Interest rates, loan terms, and the total cost of borrowing vary based on an applicant’s credit profile, financial situation, and lender criteria. Prosper Loans reserves the right to approve or decline applications in accordance with internal policies and applicable regulations. Not all applicants will qualify for all products or rates. Annual Percentage Rates (APR) and repayment terms are subject to change and will be clearly disclosed prior to acceptance. Prosper Loans does not provide loans directly in all cases and may connect applicants with third-party lenders or financial partners. These partners are responsible for their own underwriting, approval decisions, and disclosure of all applicable fees, interest rates, and repayment obligations.