I kept hesitating about getting a personal loan to consolidate credit card debt. I kept checking interest rates as my credit score slowly improved. I finally bit the buttlet and checked into the preapproval from Prosper. Theire rates were great! Reviews were overall good too. I was prepared, had all my information ready. Account verifications were a breeze and I received approval the same day. The funds were deposited two business days later. The terms are great and my monthly payments are less than my total credit card minimum payments. I had a question that I couldn't find an answer for on their website so I called them. I t was easy to reach someone and they were courteous and knowledgeable. They answered my question completely. I would highly recommend Prosper for debt consolidation.