The Prosper Personal Loan Fair Credit is a personal loan from Prosper Personal Loan. The annual fee is $0. The ongoing APR is 6.99% - 35.99%. Approval typically requires a credit score of 640 or higher. Typical credit limit: $2,000 - $50,000. Funding speed: 1 business day. Loan terms: 2-5 years. This product reports activity to your personal credit report. Peer-to-peer lending platform. Origination fee 1%-9.99%. Joint applications allowed. Check rate with soft pull. Terms 2-5 years.