Best Prosper alternatives in 2026
8 direct alternatives to Prosper, compared on rates, fees, and best-for use cases. Pick the right option without the marketing fluff.
Curated by Louis Corneloup · Updated Why people consider alternatives to Prosper
Prosper is the last true US retail P2P consumer-lending platform standing: founded in 2005, survivor of the 2008 SEC cease-and-desist and relaunch, with a 20-year dataset across multiple credit cycles. People most often switch away when one of these starts to bite:
- •Costs that add up as fees or premium tiers stack.
- •Rates or rewards that stopped being competitive.
- •Limits or restrictions as your needs grow.
- •A specific gap you have hit in alternative investing.
The 8 alternatives below cover the same core job (alternative investing) with different trade-offs. Ranked by real-signal score: external ratings, media mentions, and editor review. No paid placement.
8 alternatives to Prosper
Ranked by independent ratings, media mentions, and editor review, plus how directly they replace Prosper.
- 1
Apollo Debt Solutions BDC (ADS)
$2,500 via advisor: Apollo's retail BDC, biggest yield of the big three, gated exits
Direct alternativeCompare Prosper vs Apollo Debt Solutions BDC (ADS) → - 2
EquityMultiple
$5,000 accredited CRE platform; fee-free short-term Alpine Notes are the flagship
Direct alternativeCompare Prosper vs EquityMultiple → - 3
StartEngine
$100+ equity crowdfunding at scale; venture lottery tickets, never income
Direct alternativeCompare Prosper vs StartEngine → - 4
CrowdStreet
$25,000+ accredited CRE fund shop rebuilt after the $63M Nightingale fraud
Direct alternativeCompare Prosper vs CrowdStreet → - 5
Groundfloor
Battle-tested at scale$10-per-loan fix-and-flip debt, no accreditation, going-concern risk at the operator
Direct alternative4.5(2,120)Compare Prosper vs Groundfloor → - 6
AcreTrader
$10,000+ accredited farmland deals, Proterra-owned, decade-scale holds
Direct alternativeCompare Prosper vs AcreTrader → - 7
Blue Owl Credit Income Corp (OCIC)
$2,500 via advisor: Blue Owl's senior-lending BDC, ~8.6% distributions, gated exits
Direct alternativeCompare Prosper vs Blue Owl Credit Income Corp (OCIC) → - 8
Blackstone Private Credit Fund (BCRED)
$2,500 via advisor: the largest non-traded BDC, ~9% distributions, gated exits
Direct alternativeCompare Prosper vs Blackstone Private Credit Fund (BCRED) →
Frequently asked questions
What is the best alternative to Prosper?
Based on real-signal scoring (external ratings, media mentions, and editorial review), the top alternatives to Prosper are Apollo Debt Solutions BDC (ADS), EquityMultiple, StartEngine. Each solves the same core job with different trade-offs on rates, fees, and terms.
Is there a free alternative to Prosper?
Most Prosper alternatives carry fees, though some carry no fee or run promotional offers. See the details on each alternative below.
Why do people look for Prosper alternatives?
Common reasons people switch away from Prosper: fees that add up, rates or rewards that stopped being competitive, eligibility or usage limits, or a specific gap in alternative investing. The alternatives on this page solve the same core problem with different trade-offs.
Still considering Prosper?
See the full review, fee breakdown, and community feedback before you decide.