Prosper Review 2025
Last major P2P platform still accepting individual investors with $25 minimum investment.
Start investing with just $25 - Last major P2P platform for individual investors
What is Prosper?
Prosper remains one of the few true peer-to-peer lending platforms still accepting individual investors. Named 2024 "Best Peer-to-Peer Lending Platform" by Fintech Breakthrough Awards, Prosper originated $2.2B in loans in 2024.
Founded in 2005, Prosper has established itself as one of the leading player in the peer-to-peer lending space.
Investment Returns
Average annual return
Getting Started
Minimum investment required
Calculate Your Prosper Returns
Use our Prosper-specific calculator with real platform data including 5.5% average returns,1% platform fees, and $25 minimum investment.
Pros & Cons
Pros
- Still accepts individual P2P investors
- Low $25 minimum investment
- 2024 Best P2P Platform award winner
- Transparent borrower profiles
- IRA investment options available
- API access for advanced users
Cons
- Only 7% of 2024 loans from P2P channel
- High origination fees (up to 9.99%)
- No secondary market trading
- Limited to personal loans only
Quick Stats
Prosper Calculator
Calculate your potential returns using Prosper's real rates and fees.