After reading the reviews on CK, I was a bit apprehensive. It appears to be a love/hate feeling toward Prosper, but with some credit card debt at a high APR, I decided to submit my application. Ultimately, I was approved for $20,000.00 @ 11.39%. Much lower APR than what was on some of my cards. I started the process on Jan 3. Submitting the required docs was easy. I just uploaded pdf's for the W-2, bank account and utility bill. I was approved for funding on Jan 7. The funds were in my bank account on Jan 10. Some of my details: FICO = 721 DTI = 24% Prosper Rating = A So far, so good. And really happy to have a game plan to get out of debt and not to continue to pay the high APR on the cards.
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