http://tinyurl.com/Get-a-P2P-Loan - Prosper Loans a peer to peer lender; basically is people lending to people without going through a bank or a regular loan company. You apply online, not in front of a "loan officer". It is a private company that brings together people that need money and people that will lend it. That is why it is called Peer to Peer Lending. Prosper loans have lower interest rates and fewer fees, its a great way to borrow money when you have a need.