What criteria does Prosper use to assign risk categories and determine final marketplace lending rates for borrowers?
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The searches the AI actually ran for this prompt.
SEED QUERY
What criteria does Prosper use to assign risk categories and determine final marketplace lending rates for borrowers?
2 real searches · 1 real-search pass
Badge and edge weight = share of passes that produced the query. Hover a query for its intent and routing format.
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Classifying 2 queries…
Searches and sources
ChatGPT2 real searches · gpt-6
Prosper borrower risk rating categories final marketplace loan interest rate criteria Prosper official borrower credit score debt-to-income income credit history Google ↗
site:prosper.com borrower loan pricing risk grade rating interest rate Prosper methodology Google ↗
- prosper-20251231 · sec.gov
- Document · sec.gov
- Document · sec.gov
- Prosper Marketplace Inc. (via Public) / Supplemental Prospectus (Form 424B3) · ebs.publicnow.com
- We obtain a borrower’s credit score at the time the listing is created, unless we already have a credit score on file that is not more than 30 days old. This credit score is used to determine the Prosper Rating for the listing, and the range that credit score falls within is also included in the listing. If available, we obtain updated credit scores on a monthly basis for borrowers with outstanding Borrower Loans. We do not disclose the borrower’s exact credit score to any marketplace users, exc · prosper.com
- Table of Contents · prosper.com
- What are loan interest rates? · help.prosper.com
- What are the minimum criteria to borrow on Prosper? · help.prosper.com
Queries
2 queries · click a column to sort
| Query / type | Search | Intent | Query class | Routing format | Cluster | Freq ↓ | Weight |
|---|---|---|---|---|---|---|---|
Prosper borrower risk rating categories final marketplace loan interest rate criteria Prosper official borrower credit score debt-to-income income credit history OBSERVED | Google ↗ AI Mode ↗ | — | — | — | — | 1x of 1 | |
site:prosper.com borrower loan pricing risk grade rating interest rate Prosper methodology OBSERVED | Google ↗ AI Mode ↗ | — | — | — | — | 1x of 1 |