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Prosper alternatives: 4 apps ranked by verified data

Facts checked Nov 8, 2026AppBreakup editorialHow we rankAll personal loan apps

Top picks

Common reasons people leave Prosper: origination fees go up to 9.99% of the loan, and maximum personal loan is $50,000, lower than some rivals. We ranked 4 alternatives by how directly each one replaces Prosper, then by reviews, real visits and how recently each app's facts were checked against its own website. LendingClub (now Happen Bank) currently ranks first.

Quick comparison

#AppPricingVerified priceOpen sourcePlatformsVerified factsScore
1LendingClub (now Happen Bank) logoLendingClub (now Happen Bank)Paid—NoWeb, iOS, Android5 of 568.8
2Credit Karma logoCredit KarmaFree—NoWeb, iOS, Android5 of 554.4
3Bankrate logoBankrateFree—NoWeb5 of 552.6
4Best Egg logoBest EggPaid—NoWeb, iOS, Android5 of 542.3
  1. LendingClub (now Happen Bank) logo

    1. LendingClub (now Happen Bank)Top pick

    Best for: US borrowers consolidating credit card debt who also want an online savings or checking account

    PaidWeb, iOS, Android

    68.8

    score / 100

    Why switch from Prosper

    Larger loan amounts (up to $75,000) and direct payment to card issuers for balance transfers.

    Pros

    • Rate check uses a soft pull with no effect on your credit score
    • Can pay credit card issuers directly for balance transfers
    • Wide loan range, from $1,000 up to $75,000
    • Checking, savings and CDs from the same bank

    Cons

    • Most loans carry an origination fee of up to 8% of the amount
    • Top APRs reach the mid-30s for weaker credit
    • The rename to Happen Bank may confuse people searching for LendingClub
    Visit LendingClub (now Happen Bank) Details and reviews
    How this score is calculated
    Editorial fit ×0.3100
    Reviews ×0.363
    Clicks (90 days) ×0.150
    Freshness ×0.15100
    Votes ×0.150

    0 counted reviews, 0 up and 0 down votes. Full formula

    Is LendingClub (now Happen Bank) a good Prosper alternative?

    Verified facts

    5 of 5 verified
    New name
    Happen Bank
    Checked Nov 8, 2026lendingclub.com(opens source in a new tab)
    APR range
    5.96%–35.99%
    Checked Nov 8, 2026lendingclub.com(opens source in a new tab)
    Loan amounts
    $1,000–$75,000
    Checked Nov 8, 2026lendingclub.com(opens source in a new tab)
    Origination fee
    Mostly 0%–8%
    Checked Nov 8, 2026lendingclub.com(opens source in a new tab)
    Rate check
    Soft credit pull
    Checked Nov 8, 2026lendingclub.com(opens source in a new tab)
  2. Credit Karma logo

    2. Credit Karma

    Best for: US consumers who want free credit monitoring plus card and loan offers matched to their profile

    FreeWeb, iOS, Android

    54.4

    score / 100

    Why switch from Prosper

    See personal loan offers from several lenders alongside your free credit score before you apply.

    Pros

    • Free credit scores, reports and monitoring alerts
    • Shows estimated Approval Odds before you apply for cards and loans
    • Free federal tax filing built in
    • Banking account with no monthly fees or minimums

    Cons

    • Paid by partners, so the app is full of product offers
    • Approval Odds are estimates, not a guarantee of approval
    • State tax filing costs extra
    Visit Credit Karma Details and reviews
    How this score is calculated
    Editorial fit ×0.352
    Reviews ×0.363
    Clicks (90 days) ×0.150
    Freshness ×0.15100
    Votes ×0.150

    0 counted reviews, 0 up and 0 down votes. Full formula

    Is Credit Karma a good Prosper alternative?

    Verified facts

    5 of 5 verified
    Founded
    2007
    Checked Nov 8, 2026creditkarma.com(opens source in a new tab)
    Members
    140 million+
    Checked Nov 8, 2026creditkarma.com(opens source in a new tab)
    Tax filing
    Free federal, $15 state
    Checked Nov 8, 2026creditkarma.com(opens source in a new tab)
    Banking fees
    No monthly fees
    Checked Nov 8, 2026creditkarma.com(opens source in a new tab)
    Lender offers
    30+ lenders
    Checked Nov 8, 2026creditkarma.com(opens source in a new tab)
  3. Bankrate logo

    3. Bankrate

    Best for: US borrowers and savers comparing mortgage, CD, savings and loan rates before picking a lender

    FreeWeb

    52.6

    score / 100

    Why switch from Prosper

    Compare personal loan rates and fees across many lenders in one place.

    Pros

    • Weekly rate surveys covering hundreds of banks and credit unions
    • Mortgage rate comparison without a credit pull
    • Broad coverage: mortgages, savings, CDs, cards and several loan types
    • Large library of calculators and lender reviews

    Cons

    • Only covers the US market
    • Paid by the lenders and issuers it lists, so rankings deserve a second look
    • No credit score or credit report monitoring of its own
    Visit Bankrate Details and reviews
    How this score is calculated
    Editorial fit ×0.346
    Reviews ×0.363
    Clicks (90 days) ×0.150
    Freshness ×0.15100
    Votes ×0.150

    0 counted reviews, 0 up and 0 down votes. Full formula

    Is Bankrate a good Prosper alternative?

    Verified facts

    5 of 5 verified
    Founded
    1982
    Checked Nov 8, 2026bankrate.com(opens source in a new tab)
    Lenders surveyed
    850+ banks and credit unions every week
    Checked Nov 8, 2026bankrate.com(opens source in a new tab)
    Credit check for mortgage quotes
    No credit pull required
    Checked Nov 8, 2026bankrate.com(opens source in a new tab)
    Business model
    Not a bank or lender
    Checked Nov 8, 2026bankrate.com(opens source in a new tab)
    Owner
    Red Ventures
    Checked Nov 8, 2026bankrate.com(opens source in a new tab)
  4. Best Egg logo

    4. Best Egg

    Best for: US borrowers with fair-to-good credit consolidating card debt into one fixed monthly payment

    PaidWeb, iOS, Android

    42.3

    score / 100

    Why switch from Prosper

    Comparable fixed-rate personal loans, plus a secured option that can lower the rate for homeowners.

    Pros

    • Rate check uses a soft pull, so shopping around doesn't hurt your score
    • Secured option can lower the rate for homeowners
    • Fixed rates and fixed terms make payments predictable

    Cons

    • Origination fee is deducted from the loan proceeds
    • Only available to borrowers in the US
    • Top APRs are high for people with weaker credit
    Visit Best Egg Details and reviews
    How this score is calculated
    Editorial fit ×0.312
    Reviews ×0.363
    Clicks (90 days) ×0.150
    Freshness ×0.15100
    Votes ×0.150

    0 counted reviews, 0 up and 0 down votes. Full formula

    Is Best Egg a good Prosper alternative?

    Verified facts

    5 of 5 verified
    APR range
    6.99%–35.99%
    Checked Nov 8, 2026bestegg.com(opens source in a new tab)
    Origination fee
    Up to 9.99%
    Checked Nov 8, 2026bestegg.com(opens source in a new tab)
    Soft credit check
    Checking your rate won't affect your score
    Checked Nov 8, 2026bestegg.com(opens source in a new tab)
    Lender
    Cross River Bank
    Checked Nov 8, 2026bestegg.com(opens source in a new tab)
    Funding time
    1–3 business days
    Checked Nov 8, 2026bestegg.com(opens source in a new tab)

The best Prosper alternative for…

The highest-ranked app in this list for each need.

LendingClub (now Happen Bank) logo

Best Prosper alternative for most people

LendingClub (now Happen Bank)

Larger loan amounts (up to $75,000) and direct payment to card issuers for balance transfers.

Credit Karma logo

Best Prosper alternative for a free option

Credit Karma

See personal loan offers from several lenders alongside your free credit score before you apply.

Best Egg logo

Best Prosper alternative for iPhone and Android

Best Egg

Comparable fixed-rate personal loans, plus a secured option that can lower the rate for homeowners.

Bankrate logo

Best Prosper alternative for working in the browser

Bankrate

Compare personal loan rates and fees across many lenders in one place.

Prosper alternatives: common questions

What is the best alternative to Prosper?

LendingClub (now Happen Bank) ranks first right now. Larger loan amounts (up to $75,000) and direct payment to card issuers for balance transfers. Credit Karma and Bankrate follow it in our ranking.

Prosper vs LendingClub (now Happen Bank): what's the difference?

Both Prosper and LendingClub (now Happen Bank) are paid products. Only LendingClub (now Happen Bank) runs on iOS and Android.

Is Prosper free?

Prosper is a paid product. Loan amounts: $2,000–$50,000. Checked on Prosper's own site, November 2026.

Is there a free alternative to Prosper?

Yes. Credit Karma (free) and Bankrate (free) have a free option. Check each app's verified facts for current plan limits.

Is there an open-source alternative to Prosper?

None of the 4 alternatives in this list is open source.

Why do people switch from Prosper?

The complaints we hear most: origination fees go up to 9.99% of the loan; maximum personal loan is $50,000, lower than some rivals; APRs reach 35.99% for weaker credit profiles.

How is this list ranked?

Every app is scored with the same published formula: how directly it replaces Prosper, reviews (weighted by verification), visits from AppBreakup, how recently its facts were checked against its own website, and reader votes.