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Investor

  • What happens when I am the winning bidder on a Note listing?
  • Can I raise my bid?
  • What is premium/discount? How does it affect my returns?
  • How is the yield calculated?
  • How do I choose a price to bid?
  • How do I purchase Notes on the Folio Investing Note Trader platform?
  • What happens at the end of a Note listing?
  • What if my Notes don't sell?
  • Can I withdraw my Note listings?
  • Can I change the sale price in my Note listings?
  • What happens to Note payments during the listing period?
  • How does the auction work?
  • What is the difference between Auction and Fixed price?
  • How do I set a starting price?
  • How do I sell my Notes?
  • Who can I contact with questions?
  • How much does Note Trader cost?
  • How does Note Trader work?
  • Who can buy and sell Notes on the Note Trader platform?
  • What is Folio Investing?
  • What is the Folio Investing Note Trader platform?
  • Where can I download Prosper loan data?
  • How can I review the status of a late loan?
  • What happens if a borrower files for bankruptcy?
  • What happens if a borrower dies?
  • Who are the collection agencies Prosper uses?
  • What happens when a loan charges-off?
  • How does Prosper collect from delinquent borrowers?
  • How does buying and selling Notes on the Folio Investing Note Trader Platform impact tax reporting?
  • Where can I access my tax forms?
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*For example, a three year $10,000 loan with a rate of 5.99% APR would have 36 scheduled monthly payments of $302. A five year $10,000 loan with a rate of 9.68% APR would have 60 scheduled monthly payments of $201. Annual percentage rates (APRs) through Prosper range from 5.99% APR (AA) to 36.00% APR (HR) for first-time borrowers, with the lowest rates for the most creditworthy borrowers. Eligibility is not guaranteed, and requires that a sufficient number of investors commit funds to your account and that you meet credit and other conditions. Refer to Borrower Registration Agreement for details and all terms and conditions. All loans made by WebBank, a Utah-chartered industrial bank, member FDIC.

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Notes offered by Prospectus. Notes investors receive are dependent for payment on unsecured loans made to individual borrowers. Not FDIC-insured; investments may footer-legal-disclosure value; no Prosper or bank guarantee. Prosper does not verify all information provided by borrowers in listings. Investors should review the prospectus before investing.

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