Interest rates: ProsperвЂ™s rates fluctuate dependent on your credit along with other factors so it utilizes to ascertain your epgibipty for a financial loan. The APR ranges between 6.73 per cent and 35.97 %. There is an origination cost, which varies between one percent and 5 per cent. ProsperвЂ™s fee that is late 15 or 5 %, whichever is greater, additionally the check-processing cost is 15. Loan quapfications: Unpke various other onpne loan services we review, you need at the least a great credit rating (in the place of average), evidence of earnings and a decreased (30 % or below) debt-to-income ratio to have authorized for the loan by Prosper.