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Free Prosper alternatives: 2 apps ranked by verified data

Facts checked Nov 8, 2026AppBreakup editorialHow we rank

2 of the 4 Prosper alternatives we track can be used for free (free, open source, or with a free plan). Credit Karma and Bankrate rank highest, with facts last verified Nov 8, 2026.

Quick comparison

#AppPricingVerified priceOpen sourcePlatformsVerified factsScore
1Credit Karma logoCredit KarmaFree—NoWeb, iOS, Android5 of 554.4
2Bankrate logoBankrateFree—NoWeb5 of 552.6
  1. Credit Karma logo

    1. Credit KarmaTop pick

    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)
  2. Bankrate logo

    2. 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)