Who are the borrowers?

A Prosper borrower is any person who is a U.S. resident with a bank account and a social security number. After passing Prosper's anti-fraud and identity checks, borrowers can request unsecured loans from $1,000 to $25,000 at rates they select. Borrowers should join a group to ensure they get access to the best rates. Prosper allows borrowers to post listings on the platform regardless of their credit or income.