Prosper: Invest

• Free to download

Last verified 31 Jul 2026

4.6 3217 ratings · App Store

1. 1/5Long term results

   I have been investing small amount on the Prosper platform since 2019. I was initially excited about it and the potential to be able to make small investments. As I was using the platform, it consistently told me that I was earning around 11% interest on my investments. But as I decided to change some of my strategies, I started withdrawing my money from Prosper to invest in other areas. This is where the wheels fall off. As I started withdrawing money, all of the so-called profit I had made was eaten up in losses to defaulted loans. So after 5 years investing on the platform, I am now currently on track to have a total overall loss instead of any profit. I would highly recommend investing your money somewhere else.

   xhrisd · 31 Jul 2026

2. 5/5Good to Diversify

   I started using prosper about 2 years ago. I put in $2000. My interest rate varies from 11 to 15% increase. I have had one defaulted of $60. Anytime I have $25 or more pairs back to me, I reinvest it in prosper. I like it, the money you put in SHOULD NOT be your emergency fund or money you “care about”. The loans can be anywhere from 2 years to 5 years so I would t expect getting all of your money back soon. Currently it says I have $2500ish in loans (because I reinvest) and I withdrew almost $400 when I had it in there and needed it. This is a high risk, I really try to look in the class of loan (AA-E) and the information posted about the person I’m loaning to. Hope that helps, but again, I like it so far and I hope to just continue to reinvest into more loans and see where that takes me. Good luck!

   Kayla Pimpinson · 31 Jul 2026

3. 1/5It should not be this painful.

   Future investor with Prosper... or so I wanted to be. Set up my account. A week ago, roughly. Made a mistake, tried to correct it. Issue was that I fat fingered the account number when I entered it via the account set up. My mistake. The fouled up account information can’t be fixed from my end. I have no way to delete the account, and no way to verify the account. Can’t add a new account, either. Tried to call in, no go. They’re closed when I’m off of work. Write in via email, and immediately got a very unhelpful run around from investor support. First, held up two days for them to get back to work. Then I get emails asking me to verify the existing bank account, and closing the ticket. Apparently the ONLY way to fix this is by mailing in the verification of the fouled up account. Which I can’t do, because I don’t own the account. I ask them to delete the account (so I can set it back up again). Nope, they closed it instead. To set it back up, I have to call in to a company that is closed when I’m off. Apparently, they don’t want my business.

   FedUpwithbeingProppedUp · 31 Jul 2026

4. 5/5Short time user here

   I just recently started using Prosper to diversify my investment portfolio (almost 1 month). Here are my honest thoughts. PROS: Overall, the platform on a web browser seems pretty great. Everything seems organized in a clear and visually appealing way. It does make it easy to review loans and associated risks, and you can choose how much you’d put into that loan (amounts of $25 or more). CONS: The mobile app needs much more love. I noticed it doesn’t really refresh, at least consistently. If you tap the logo at the top it will either refresh or just have you log in again. I would like to see the app more fluid and responsive, and refresh every time it gets opened. I’d also like to see deposits from my bank not take so dang long...it’s crazy to have to wait 6-7 days for funds to transfer and be available for investing...PLEASE work on this, Prosper. As an investor, this is a HUGE turnoff because my money isn’t available for investing; it’s just in limbo. Please cut this time to 1 day, or 2 says at the absolute most. Also, if you want to increase the amount of investors you attract, lower your fees and they will come. Lastly, I don’t know if this is a thing since I’m not a borrower, but why not offer borrowers 1 or 2 year loans? Charge a lower APR for them if they can pay it off sooner. This means quicker money for prosper and for all investors involved, all while offering the borrower a better option for borrowing at a lower APR. just a thought! Notes: You don’t start seeing your return percentage until once a month after investing and the loan funding. I will update this as I start seeing returns, so anyone considering using this platform to invest, can get an honest and true review of the platform. Also: Prosper, please make a MacOS app so we aren’t just limited to this app or web.

   omi_apple · 31 Jul 2026

5. 5/5Mostly 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.

   Pdevery · 31 Jul 2026

Privacy

Accessibility

No accessibility labels collected yet.