This is a discussion on Prosper.Com within the General Discussion forums, part of the Non Wrestling Forums category; I'm sure no one here plays around with it, but what the hell ...
I really like the site, but ...
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I'm sure no one here plays around with it, but what the hell ...
I really like the site, but I wanted to speak with someone who also lends on there, and what they've noticed regarding default rates (especially in June-August).
And if you need a loan, let me know! I'll at least vouch for you!
What are the requirements for credit rating to get a debt consolidation loan?
They actually don't have any 'requirements.' Basically, you post a listing and lenders will bid on an interest rate to loan to you at. You're obviously capped by your states maximum interest rate, and lenders do have access to most of your credit information, so they're not running blind. Lenders just don't have any access to personal information, like your name, ssn, or address information.
Looking at it right now, someone who had about a 580 credit score, got a loan for $4,200 at 14.28% interest.
Guarantee you put a picture up of your kids on the loan listing, and you'll get a good rate. Too many lenders have hearts.
What is the potential for fraud with stuff like this?
I took a $1,000 loan out from them for this reason.
They call you personally, and also vouch with the bank of the identity of the account holder that the funds are being deposited into. They'll make you fax over supporting documentation if they get suspicious over anything.
I suspect there's likely still a lot of fraud, especially since banks like ING, and WaMu ... etc all allow you to sign up for accounts online. I haven't personally been bitten by fraud in lending, just a lot of freaking bankruptcies!
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