Don't borrow money from the big corporate banks, borrow money from people just like yourself.  Post your listing requesting a loan and people will bid for the privilege to lend money to you.  Prospers job is to make sure everything is fair, easy, and safe.

What kinds of loans are available on Prosper?

Borrowers can request 3-year, fully amortized, unsecured loans up to $25,000 (may vary by state). In other words, you will have three years to pay off the loan in full with set monthly payments. You don't have to offer any collateral, like a car or your house, to guarantee the loan. There are no penalties for paying off your loan early or for making partial prepayments.