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1. APRs presented are estimated and were created based upon information entered by the consumer and through analysis of information publicly available at Prosper.com. The estimated APR presented does not bind Prosper. The range of APR available through Prosper is 6.73% to 35.36%. Only borrowers with excellent credit qualify for the lowest rate available. Your actual APR depends upon credit score, Prosper Rating, loan amount, loan term, credit usage and history. All loans are subject to credit review and approval. That's right - making the world a better place is our top priority. If we can make a bit of money with that, that's great. So what are the margins on our same day cash loans? We get a 20% yearly return rate, which is quite high. What is interesting is that we get it all while offering the lowest price possible. Honestly, if you step back and look at every offer you will see quickly why we are the best. Research shows that our loans have APRs lower by around 30%. Our competition has lower margins and charges higher interest rates. They also use deceptive advertising. For example, they may state: To realize our mission and vision, we follow our Core Values of:
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