Prosper: Invest 4+

Invest in Personal Loans

Prosper Marketplace Inc.

    • 4.7 • 2.7K Ratings
    • Free

iPhone Screenshots


Welcome to Prosper Invest! Our beautiful new mobile experience was designed from the ground up based on feedback from Prosper investors like you.

Now you can easily manage your portfolio anytime, anywhere:
* Set up, review, and adjust your target portfolio allocations using our Auto Invest tool
* Invest manually by browsing and selecting from individual loan listings
* Add cash to your Prosper investment account in one-time, weekly or monthly increments
* View details on each Note you’ve invested in, at a glance
* View your total gain/loss to date
* See how your investments have impacted the lives of borrowers across the country
* Keep tabs on how your portfolio is performing

You must have an active Prosper investor account to use this app.


Prosper was founded in 2005 as the first peer-to-peer lending marketplace in the United States. Since then, we’ve facilitated more than $20 billion in loans to more than 1,000,000 people.

Through Prosper, people can invest in each other in a way that can be financially and socially rewarding. Borrowers apply online for fixed-rate, fixed-term loans between $2,000 and $50,000. Individuals and institutions can invest in the loans and earn solid returns.

For more info or to create a new Prosper investor account, please visit .

What’s New

Version 1.4.4

Bug fixes and performance improvements

Ratings and Reviews

4.7 out of 5
2.7K Ratings

2.7K Ratings

Pdevery ,

Mostly safe Investment with some risk

If you’re looking to diversify your portfolio prosper is a good option. Full disclosure, I consider myself a regular person who tries to invest with his limited knowledge. I am not a banker or financier, just a working professional trying to maximize his money into investments that grow. I saw prosper as an opportunity to do this. Prosper makes it very easy on their app to invest and check your returns. I have been a lender with prosper for at least 5 years now. At one point I was ready to pull my investments from prosper after getting discouraged with some failed repayments by borrowers. While I did withdraw some of my investment, I still kept more than half of my initial capital investment tied into loans. I decided against fully withdrawing and closing my account after realizing it was a safer investment and offered decent but modest returns. If you’re looking for large returns north of 7-8% you’re in the wrong spot. But a return of 4-5% is very possible. You just can’t have all your money tied down in equities. That’s just not safe. And while some prosper investments fizzle when borrowers fail to repay, the vast majority do.

I don’t have a huge sum of money invested in prosper but I like the balance it provides me for my portfolio.

Simple-Soldier ,

Very Very Risky

For this type of investing, the risk is totally on you. Almost anybody can apply for loan from Prosper. I’ve had borrowers form group A come up late sometimes but if you get greedy wanting a higher return from borrowers in group C, D, E, and HR (High Risk) just know it’s possible they come up late majority of the time and or go into default which ends up as a lost for you. I place higher dollar amounts in AA and A loans. Keep it as minimum as you can for other groups.

Malcolm132132 ,

The disclosures tell and interesting story

I’m well aware that funding any of these loans involved risk, but after having a AA rated loan fail to even make a single payment I began questioning the legitimacy of this program at all.

In part because I’m at a loss to how someone with a 700+ credit score and AA status decides to peace out with the money they’re loaned (and Prosper doesn’t somehow see that coming) and in part that Prosper does nothing after they’ve determined it is defaulted. In their terms and conditions, a defaulted loan skips collections and is sold to another company so that the new company can deal with it. Problem is, you don’t see a dime of that deal. So Prosper actually wins big when someone defaults because now they get to sell your loan to someone else and pocket the money, even if it’s significantly less than the original amount.

Needless to say, the loans have borderline predatory rates, so it’s no wonder they have predatory practices for investors/lenders too. The app is also pretty glitchy and hard to navigate - finding the defaulted loan to figure out how much money I’d lost was not easy - intentionally I’m guessing.

App Privacy

The developer, Prosper Marketplace Inc., indicated that the app’s privacy practices may include handling of data as described below. For more information, see the developer’s privacy policy.

Data Linked to You

The following data may be collected and linked to your identity:

  • Contact Info
  • Identifiers

Data Not Linked to You

The following data may be collected but it is not linked to your identity:

  • Identifiers
  • Usage Data
  • Diagnostics

Privacy practices may vary, for example, based on the features you use or your age. Learn More

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