I got turned down for a loan by Prosper and I have to say I wonder if they are just here to take down my information and not give out a loan. I don't know, but I would like to hear if others actually do get a loan from this company. My credit is very good and I wanted to just lower my rate on my credit card and it should have been a simple process. Rather than going with Prosper, I just did debt consolidation using a different credit card---problem solved.