Prosper Marketplace
(https://prosper.com) 📸 Data Snapshot: June 19, 2026
Identity & Authority — The Lens
Inspect the JSON-LD. Is there an Organization or Person schema, and does it carry sameAs links to real external profiles (LinkedIn, socials)? Missing schema or no identity declaration signals an anonymous entity.
Identity & Authority
Expert verifiability & Schema depth.
12
Impact Weight: 15 / 100
80% Reputation
Prosper provides strong organizational authority via its schema_json, which identifies Prosper Marketplace and includes sameAs links to major social platforms. There is a slight authority gap regarding team expertise; while it mentions a ‘dedicated team of human specialists,’ no specific leaders or advisers are named with Person schema. A notable technical credibility gap exists where the Credit Card sub-page returned a 403 Forbidden error, undermining the ‘seamless’ experience claimed in the H2 headings.
There is a very low disconnect between claims and evidence. The claim of next-day funding is qualified with footnote 2 explaining the dependency on bank processing speeds. The claim of a 5.3% return is supported by a massive footnote detailing the exact calculation methodology, including the sum of interest paid minus servicing and collection fees. The site avoids bold, unsubstantiated assertions by grounding its marketing in regulatory disclosures.
Identity & Authority is read from the structured data first: whether the site declares who it is in machine-readable schema, with verifiable identity links. Below is the schema captured per page, then the external proof links that support (or fail to support) that identity.
🔗 Identity & Technical Layer — schema JSON-LD: identity chains, entity gaps
Homepage schema
{
"@context": "https://schema.org",
"@graph": [
{
"@type": "WebPage",
"@id": "https://www.prosper.com/",
"url": "/",
"name": "Personal Loans & Other Online Financial Solutions | Prosper ",
"isPartOf": {
"@id": "https://www.prosper.com/#website"
},
"about": {
"@id": "https://www.prosper.com/#organization"
},
"primaryImageOfPage": {
"@id": "/#primaryimage"
},
"image": {
"@id": "/#primaryimage"
},
"thumbnailUrl": "https://www.prosper.com/wp-content/uploads/2025/07/thrive-bg-v3.jpg",
"datePublished": "2025-07-17T17:59:47+00:00",
"dateModified": "2026-06-15T18:35:49+00:00",
"breadcrumb": {
"@id": "/#breadcrumb"
},
"inLanguage": "en-US",
"potentialAction": [
{
"@type": "ReadAction",
"target": [
"/"
]
}
]
},
{
"@type": "ImageObject",
"inLanguage": "en-US",
"@id": "/#primaryimage",
"url": "https://www.prosper.com/wp-content/uploads/2025/07/thrive-bg-v3.jpg",
"contentUrl": "https://www.prosper.com/wp-content/uploads/2025/07/thrive-bg-v3.jpg",
"width": 3931,
"height": 1602
},
{
"@type": "BreadcrumbList",
"@id": "/#breadcrumb",
"itemListElement": [
{
"@type": "ListItem",
"position": 1,
"name": "Home"
}
]
},
{
"@type": "WebSite",
"@id": "https://www.prosper.com/#website",
"url": "https://www.prosper.com/",
"name": "Prosper",
"description": "",
"publisher": {
"@id": "https://www.prosper.com/#organization"
},
"potentialAction": [
{
"@type": "SearchAction",
"target": {
"@type": "EntryPoint",
"urlTemplate": "https://www.prosper.com/?s={search_term_string}"
},
"query-input": {
"@type": "PropertyValueSpecification",
"valueRequired": true,
"valueName": "search_term_string"
}
}
],
"inLanguage": "en-US"
},
{
"@type": "Organization",
"@id": "https://www.prosper.com/#organization",
"name": "Prosper Marketplace",
"alternateName": "Prosper",
"url": "https://www.prosper.com/",
"logo": {
"@type": "ImageObject",
"inLanguage": "en-US",
"@id": "https://www.prosper.com/#/schema/logo/image/",
"url": "https://www.prosper.com/wp-content/uploads/2023/03/prosper-logo-pr20.svg",
"contentUrl": "https://www.prosper.com/wp-content/uploads/2023/03/prosper-logo-pr20.svg",
"width": 900,
"height": 200,
"caption": "Prosper Marketplace"
},
"image": {
"@id": "https://www.prosper.com/#/schema/logo/image/"
},
"sameAs": [
"https://www.facebook.com/prosperloans",
"https://x.com/prosperloans",
"https://www.linkedin.com/company/prosper-marketplace",
"https://www.instagram.com/letsgoprosper/",
"https://www.youtube.com/Prosper"
]
}
]
}
/personal-loans/
[
{
"@context": "https://schema.org",
"@graph": [
{
"@type": "WebPage",
"@id": "https://www.prosper.com/personal-loans",
"url": "https://www.prosper.com/personal-loans",
"name": "Personal Loans - Apply online for a low rate loan through Prosper",
"isPartOf": {
"@id": "https://www.prosper.com/#website"
},
"primaryImageOfPage": {
"@id": "https://www.prosper.com/personal-loans#primaryimage"
},
"image": {
"@id": "https://www.prosper.com/personal-loans#primaryimage"
},
"thumbnailUrl": "https://www.prosper.com/wp-content/uploads/2024/11/pl-hero-combined.png",
"datePublished": "2025-03-20T21:15:57+00:00",
"dateModified": "2026-06-15T16:55:08+00:00",
"description": "An online personal loan through Prosper can be an effective way to consolidate high-interest credit card debt, finance home improvements, and much more.",
"breadcrumb": {
"@id": "https://www.prosper.com/personal-loans#breadcrumb"
},
"inLanguage": "en-US",
"potentialAction": [
{
"@type": "ReadAction",
"target": [
"https://www.prosper.com/personal-loans"
]
}
]
},
{
"@type": "ImageObject",
"inLanguage": "en-US",
"@id": "https://www.prosper.com/personal-loans#primaryimage",
"url": "https://www.prosper.com/wp-content/uploads/2024/11/pl-hero-combined.png",
"contentUrl": "https://www.prosper.com/wp-content/uploads/2024/11/pl-hero-combined.png",
"width": 1132,
"height": 1404
},
{
"@type": "BreadcrumbList",
"@id": "https://www.prosper.com/personal-loans#breadcrumb",
"itemListElement": [
{
"@type": "ListItem",
"position": 1,
"name": "Home",
"item": "https://www.prosper.com/"
},
{
"@type": "ListItem",
"position": 2,
"name": "Personal Loans – Apply online for a low rate loan through Prosper"
}
]
},
{
"@type": "WebSite",
"@id": "https://www.prosper.com/#website",
"url": "https://www.prosper.com/",
"name": "Prosper",
"description": "",
"publisher": {
"@id": "https://www.prosper.com/#organization"
},
"potentialAction": [
{
"@type": "SearchAction",
"target": {
"@type": "EntryPoint",
"urlTemplate": "https://www.prosper.com/?s={search_term_string}"
},
"query-input": {
"@type": "PropertyValueSpecification",
"valueRequired": true,
"valueName": "search_term_string"
}
}
],
"inLanguage": "en-US"
},
{
"@type": "Organization",
"@id": "https://www.prosper.com/#organization",
"name": "Prosper Marketplace",
"alternateName": "Prosper",
"url": "https://www.prosper.com/",
"logo": {
"@type": "ImageObject",
"inLanguage": "en-US",
"@id": "https://www.prosper.com/#/schema/logo/image/",
"url": "https://www.prosper.com/wp-content/uploads/2023/03/prosper-logo-pr20.svg",
"contentUrl": "https://www.prosper.com/wp-content/uploads/2023/03/prosper-logo-pr20.svg",
"width": 900,
"height": 200,
"caption": "Prosper Marketplace"
},
"image": {
"@id": "https://www.prosper.com/#/schema/logo/image/"
},
"sameAs": [
"https://www.facebook.com/prosperloans",
"https://x.com/prosperloans",
"https://www.linkedin.com/company/prosper-marketplace",
"https://www.instagram.com/letsgoprosper/",
"https://www.youtube.com/Prosper"
]
}
]
},
{
"@context": "https://schema.org",
"@type": "FAQPage",
"mainEntity": [
{
"@type": "Question",
"name": "What is a personal loan?",
"acceptedAnswer": {
"@type": "Answer",
"text": "<p>A personal loan is money that you borrow from a lender and pay back in fixed monthly payments over a set period, such as 2 to 6 years. Most personal loans have a fixed interest rate.</p><p>Personal loans through Prosper are unsecured, which means they’re not backed by collateral like your home. Instead, our partner, WebBank, issues personal loans based on creditworthiness.</p><p>Personal loans through Prosper have fixed interest rates. For personal loans through Prosper, borrowers have the option to pay back their personal loans in 2- to 6-year terms.<sup><a class=\"sup-link\" href=\"#footnotes-2\" data-testid=\"footnote-link-2\">3</a></sup></p><p>Prosper borrowers can use their personal loan for a variety of expenses. Some choose to use their loan for <a title=\"Home Improvement Loans\" href=\"/personal-loans/home-improvement\">home repairs</a> or <a title=\"Debt Consolidation Loans\" href=\"/personal-loans/debt-consolidation\">debt consolidation</a>, while others use it to fund big purchases.</p>"
}
},
{
"@type": "Question",
"name": "How do I get a personal loan?",
"acceptedAnswer": {
"@type": "Answer",
"text": "<p>Prospective borrowers can quickly and easily apply for a personal loan with nothing more than some basic personal and financial information.</p><p>Prosper makes it easy to apply for a personal loan and to check your rate and estimated monthly payments without affecting your credit score.</p><p>If you’re eligible for a personal loan, you’ll review your offers and choose loan terms that work best for you. Once you accept an offer, you’ll receive your money as soon as 1 business day after completing the necessary requirements.<sup><a class=\"sup-link\" href=\"#footnotes-2\" data-testid=\"footnote-link-2\">2</a></sup></p><p>If you’re applying by yourself, you can also call us at <a href=\"tel:18666156319\" rel=\"noopener\">866-615-6319</a> to apply for a personal loan by phone. If you’re applying with another person, follow the steps above.</p>"
}
},
{
"@type": "Question",
"name": "Will I have to pay any fees on a personal loan through Prosper?",
"acceptedAnswer": {
"@type": "Answer",
"text": "<p>Your loan may be subject to 4 types of fees:</p><ul><li>Origination fee</li><li>Check payment fee</li><li>Late fee</li><li>Insufficient funds fee</li></ul><p>More information about these fees can be found in Prosper’s <a href=\"https://help.prosper.com/hc/en-us/articles/115002512843-What-types-of-fees-are-charged-on-loans-\" target=\"_blank\" rel=\"noopener\">Help Center article</a>. Current borrowers can also refer to your Borrower Registration Agreement and Promissory Note (stored in your online account) for more details about fees.</p>"
}
},
{
"@type": "Question",
"name": "What if I don’t qualify for a personal loan?",
"acceptedAnswer": {
"@type": "Answer",
"text": "<p>If you don’t qualify for a personal loan through Prosper, consider applying with a co-applicant.</p><p>Applying with a co-applicant could improve your chances of getting an offer. Plus, it might lower your rate. Your co-applicant should be someone you trust with strong credit and a steady job. Our partner WebBank issues personal loans based on creditworthiness. Borrowers who accept a personal loan through Prosper must have a credit score of 640 or higher to qualify for a loan.</p>"
}
},
{
"@type": "Question",
"name": "Is personal loan interest tax deductible?",
"acceptedAnswer": {
"@type": "Answer",
"text": "<p>You can’t deduct the interest you pay on an unsecured personal loan from your taxes unless you use the loan proceeds for business expenses, qualified higher education expenses, or taxable investments.</p><p>Business expenses are defined by the IRS as costs associated with forming or running a business. The interest that is associated with the loan taken out to form or run your business may be deductible, regardless of the size of your business.</p><p>Qualified educational expenses can be tax deductible if you use a personal loan to refinance a student loan or pay for eligible educational costs or expenses like tuition. Under these circumstances the personal loan may be eligible for the student loan interest deduction. You can read more about the student loan interest deduction and how it works <a href=\"https://studentaid.gov/resources/tax-benefits\" target=\"_blank\" rel=\"noopener\">here</a>.</p><p>Taxable investments are defined as stocks, bonds, or mutual funds. Taxable investment deductions are not eligible with tax-advantaged investments, like tax-exempt bonds.</p><p>Remember that the interest from the loan is what is deductible, you can subtract the interest amount as an expense income, which can reduce your total tax liability for that year.</p><p>Most of these options require itemized deductions, which may not always make sense for everyone. You can read more about personal loans and tax deductions <a href=\"https://www.experian.com/blogs/ask-experian/is-personal-loan-interest-tax-deductible/\" target=\"_blank\" rel=\"noopener\">here</a>.</p><p>Please note that this is not to be construed as tax advice, and we recommend seeking the advice of a tax professional for more information.</p>"
}
},
{
"@type": "Question",
"name": "What credit score do you need for a loan through Prosper?",
"acceptedAnswer": {
"@type": "Answer",
"text": "<p>Every individual has a different and unique financial situation. That said, if your credit score is under 600, you might not qualify for a loan through Prosper.</p><p>The best way to know if you are eligible to receive a personal loan through Prosper is to apply. Checking your eligibility and rate will not affect your credit score.</p><p>If you are not eligible to receive a personal loan through Prosper on your own, you could consider adding a co-applicant. Adding a <a href=\"/blog/pros-cons-joint-personal-loans\">co-applicant</a> could improve your chances of having your personal loan application approved. </p>"
}
}
]
}
]
/credit-card/ — no schema detected (entity gap)
/invest/
[
{
"@context": "https://schema.org",
"@graph": [
{
"@type": "WebPage",
"@id": "https://www.prosper.com/invest",
"url": "https://www.prosper.com/invest",
"name": "Invest - Invest in helping real people Diversify & Earn",
"isPartOf": {
"@id": "https://www.prosper.com/#website"
},
"primaryImageOfPage": {
"@id": "https://www.prosper.com/invest#primaryimage"
},
"image": {
"@id": "https://www.prosper.com/invest#primaryimage"
},
"thumbnailUrl": "https://www.prosper.com/wp-content/uploads/2025/04/invest-hero.jpg",
"datePublished": "2025-04-22T22:21:47+00:00",
"dateModified": "2026-05-08T20:37:14+00:00",
"breadcrumb": {
"@id": "https://www.prosper.com/invest#breadcrumb"
},
"inLanguage": "en-US",
"potentialAction": [
{
"@type": "ReadAction",
"target": [
"https://www.prosper.com/invest"
]
}
]
},
{
"@type": "ImageObject",
"inLanguage": "en-US",
"@id": "https://www.prosper.com/invest#primaryimage",
"url": "https://www.prosper.com/wp-content/uploads/2025/04/invest-hero.jpg",
"contentUrl": "https://www.prosper.com/wp-content/uploads/2025/04/invest-hero.jpg",
"width": 2264,
"height": 923
},
{
"@type": "BreadcrumbList",
"@id": "https://www.prosper.com/invest#breadcrumb",
"itemListElement": [
{
"@type": "ListItem",
"position": 1,
"name": "Home",
"item": "https://www.prosper.com/"
},
{
"@type": "ListItem",
"position": 2,
"name": "Invest – Invest in helping real people Diversify & Earn"
}
]
},
{
"@type": "WebSite",
"@id": "https://www.prosper.com/#website",
"url": "https://www.prosper.com/",
"name": "Prosper",
"description": "",
"publisher": {
"@id": "https://www.prosper.com/#organization"
},
"potentialAction": [
{
"@type": "SearchAction",
"target": {
"@type": "EntryPoint",
"urlTemplate": "https://www.prosper.com/?s={search_term_string}"
},
"query-input": {
"@type": "PropertyValueSpecification",
"valueRequired": true,
"valueName": "search_term_string"
}
}
],
"inLanguage": "en-US"
},
{
"@type": "Organization",
"@id": "https://www.prosper.com/#organization",
"name": "Prosper Marketplace",
"alternateName": "Prosper",
"url": "https://www.prosper.com/",
"logo": {
"@type": "ImageObject",
"inLanguage": "en-US",
"@id": "https://www.prosper.com/#/schema/logo/image/",
"url": "https://www.prosper.com/wp-content/uploads/2023/03/prosper-logo-pr20.svg",
"contentUrl": "https://www.prosper.com/wp-content/uploads/2023/03/prosper-logo-pr20.svg",
"width": 900,
"height": 200,
"caption": "Prosper Marketplace"
},
"image": {
"@id": "https://www.prosper.com/#/schema/logo/image/"
},
"sameAs": [
"https://www.facebook.com/prosperloans",
"https://x.com/prosperloans",
"https://www.linkedin.com/company/prosper-marketplace",
"https://www.instagram.com/letsgoprosper/",
"https://www.youtube.com/Prosper"
]
}
]
},
{
"@context": "https://schema.org",
"@type": "FAQPage",
"mainEntity": [
{
"@type": "Question",
"name": "How does investing through Prosper work?",
"acceptedAnswer": {
"@type": "Answer",
"text": "<p>Prosper is an online peer-to-peer lending marketplace, where creditworthy borrowers can request a loan and investors can invest in “notes” (or portions) of each loan.</p>\n<p>After a borrower accepts their loan offer, we may verify their application information. Upon borrower acceptance, investors have up to 14 days to commit funds to the loan through their Prosper account. Once a borrower passes any additional verification requirements and one or more investor(s) commit enough funds to the loan it’s ready for origination.</p>\n<p>Loans through Prosper are amortized, meaning borrowers make fixed monthly payments throughout the duration of their 2, 3, 4 or 5 year term. Each payment is comprised of principal, interest, and any applicable fees. Investors receive a portion of those payments that are proportional to their pro rata share of the loan. These funds are deposited directly into investors’ Prosper Accounts.</p>"
}
},
{
"@type": "Question",
"name": "What's the risk?",
"acceptedAnswer": {
"@type": "Answer",
"text": "<p>With any debt, there’s always the risk that a borrower can default on their loan, which could result in a loss for the investor(s) who invested in the loan. Loans are unsecured obligations, meaning they are not secured by any collateral of the borrower. To assess the risk of each loan before committing funds, investors should review the loan request details and the Prospectus.</p>"
}
},
{
"@type": "Question",
"name": "Who can invest on Prosper?",
"acceptedAnswer": {
"@type": "Answer",
"text": "<p>Retail investors must be United States permanent residents or citizens who are 18 years of age or older, with a valid Social Security number (or other Taxpayer Identification Number, if investing through a trust, estate, or corporate entity) and checking or savings account. Retail investors must reside in a state that is open to Prosper investors and may also be required to meet suitability requirements established by their state of residence. See more state requirements <a class=\"faq-link\" href=\"https://prosper.zendesk.com/hc/en-us/articles/210013593\" target=\"_blank\" rel=\"noopener\">here</a>.</p>"
}
},
{
"@type": "Question",
"name": "Do you recommend a certain starting amount?",
"acceptedAnswer": {
"@type": "Answer",
"text": "<p>While we can’t make any specific recommendations; we have found that investors generate a more stable return when they diversify their investment through many different Notes, with each Note corresponding to the borrower loan of a different borrower. Prosper’s Notes are offered by Prospectus which is an official document that describes all the key information for the investments we offer. You can find our Prospectus on our website at the bottom of any page at <a class=\"faq-link\" href=\"https://www.prosper.com\" target=\"_blank\" rel=\"noopener\">www.prosper.com</a>.</p><p>For individual general investment accounts, the minimum amount you can invest is $25.</p><p>For IRAs managed by our designated custodians, Millennium Trust Company and Alto IRA, the minimum investment amount required to qualify for custodian fee reimbursement is $5,000 in year 1 and $10,000 in all subsequent years. Please note that these minimums refer to the amount invested in Prosper Notes — cash balances will not be counted.</p>"
}
},
{
"@type": "Question",
"name": "Is my money FDIC insured?",
"acceptedAnswer": {
"@type": "Answer",
"text": "<p>The cash balance of your Prosper investment account is FDIC insured by Wells Fargo Bank, N.A., a depository bank.</p><p>The FBO account that we maintain at Wells Fargo Bank, N.A. for the benefit of investors is FDIC-insured on a “pass through” basis to individual investors, subject to applicable limits and conditions. This means that each individual investor’s balance is protected by FDIC insurance, up to the aggregate amounts established by the FDIC. Other funds the investor has on deposit with Wells Fargo may count against the FDIC insurance limits. Prosper is not an FDIC-insured depository institution. FDIC insurance only covers the failure of Wells Fargo, the FDIC-insured depository institution.</p><p>Please be aware that any funds lost due to borrower default or poor Note performance are not FDIC insured, and any invested funds are not deposits, are not guaranteed by any agency of the federal government or by Wells Fargo, and may lose value.</p>"
}
},
{
"@type": "Question",
"name": "How liquid are my investments through Prosper?",
"acceptedAnswer": {
"@type": "Answer",
"text": "<p>Personal Loans offered through Prosper are 2, 3, 4 and 5 year terms – meaning borrowers make fixed monthly payments throughout the duration of their loan’s term. Each payment is comprised of principal, interest, and any applicable fees. Investors receive a portion of those payments that are proportional to their pro rata share of the loan. These funds are deposited directly into investors’ Prosper Accounts as uninvested available cash.</p><p>Any uninvested available cash in your account is FDIC-insured and can be withdrawn whenever you wish, but your investment (principal and interest) is repaid to you over the course of the underlying loan term.</p>"
}
},
{
"@type": "Question",
"name": "What if the borrower misses a payment?",
"acceptedAnswer": {
"@type": "Answer",
"text": "<p>If the borrower does not satisfy their monthly payment within 15 days of the due date, the borrower will be charged a late fee. Late fees are 5% of the payment amount or $15, whichever is greater (unless state restrictions apply).</p><p>We divide and distribute the late fees proportionately among the investors in the corresponding Notes, subject to deductions for collection fees and servicing fees.</p><p>Collections<br>If a loan is more than one day past due, we may collect on it directly or we may refer it to a third-party servicer or collection agency. Once a loan reaches 121 days past due, it is charged off. Historically, recovery rates on loans once they have entered into collections range from 7-12%.</p><p>Investors cannot attempt their own collections efforts or attempt to contact borrowers directly.</p>"
}
}
]
}
]
🛡️ Trust Signals — external proof links that back the declared identity
92Review mentions (all pages)
3External proof links (all pages)
| Page | Reviews | Proof links |
|---|---|---|
| / (home) | 12 | 1 |
| /personal-loans/ | 12 | 1 |
| /credit-card/ | 0 | 0 |
| /invest/ | 68 | 1 |
Explore the other reputation pillars for Prosper Marketplace
Analysis Disclosure & Source Attribution
This page presents a snapshot of public data from Prosper Marketplace, captured on June 19, 2026, to show how machine logic reads Identity & Authority signals into an AI reputation evaluation.
Purpose: This data is presented under “Fair Use” for the purpose of independent signal analysis, allowing readers to see the raw signals behind the reputation score.
Notice to Prosper Marketplace: This analysis is part of a non-adversarial audit conducted by 1 Euro SEO. The results are intended as professional feedback to help improve any website’s machine-readability and authority signals. The evaluation is free, and any company can request a fresh audit at any time.
Any company can use the insights for free and improve its voice. When a company has updated its content, it can always submit a new audit request, which will be reflected in a new current score.
To all users: You are encouraged to visit the live site at https://prosper.com to view the most current version of its content and see directly what this company is about and what it offers.