Prosper Debt Consolidation Loan
Prosper offers debt consolidation loans from $2,000 to $50,000 with fixed APRs from 8.99% to 35.99%. Flexible 2 to 6 year terms with no prepayment penalties. Over $31B funded to 1.6M+ customers.
Last checked on September 4, 2026. We may earn a commission when you click through.
Prosper Debt Consolidation Loan
Updated 1 month agoAPR Range
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Our Verdict
Well-established lending platform with flexible terms and proven track record. Wide term range gives excellent payment flexibility.
Best For
Borrowers seeking flexible repayment terms from a proven lending platform.
Pros
- Flexible 2 to 6 year terms
- No prepayment penalties
- Up to $50,000
- Funds in 1 business day
- $31B+ funded
Cons
- APR starts at 8.99%
- Max APR 35.99%
- Origination fee may apply
About This Loan
Similar options
APR
19.9–35.95%
Amount
$300–$10k
Term
12–48mo
Best for: This service is ideal for borrowers who are new to credit and need a manageable loan for personal expenses, ranging from $300 to $18,500.
LendingClub Debt Consolidation Loan
ConsolidationAPR
5.96–35.99%
Amount
$1k–$40k
Term
24–60mo
Best for: Best for borrowers with a credit score of at least 600 seeking fast approval and funding.
Discover Personal Loans
ConsolidationAPR
7.99–24.99%
Amount
$2.5k–$40k
Term
36–84mo
Best for: These loans are best for individuals looking to consolidate debt, improve their homes, or cover unexpected medical expenses without incurring origination fees.
Best Egg Debt Consolidation Loan
ConsolidationAPR
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Amount
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Term
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Best for: Borrowers who want secured loan options or prefer direct creditor payment.
APR
6.25–35.99%
Amount
$5k–$50k
Term
24–60mo
Best for: This service is best for individuals with good credit looking to consolidate debt with fixed-rate personal loans ranging from $5,000 to $50,000.
Rocket Loans Debt Consolidation
ConsolidationAPR
9.116–29.99%
Amount
$2k–$45k
Term
36–60mo
Best for: Borrowers who need fast funding for debt consolidation and value brand reliability