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Good Day Loans

Prosper Personal Loan

Best for: borrowers who want a published score requirement

A stated minimum score of 640, terms of two to six years, and no prepayment penalty.

Good Day Loans is not currently paid by the institutions shown here. Any paid placement would be labeled and never changes rankings. Advertiser disclosureVerified Sep 28, 2026

At a glance

APR
8.99–35.99%
Amount
$2K–$50K
Terms
2 years – 6 years
Min. score
640

Example: borrowing $2,500 over 3 years with good credit would cost about $92 a month and $921 in interest and fees.

Strengths and trade-offs

Strengths

  • Publishes its minimum credit score (640)
  • Never charges a prepayment penalty
  • Terms of two to six years

Trade-offs

  • Origination fee of 1% to 9.99%
  • APR reaches 35.99%

How it compares

The starting APR is 0.25 percentage points above the median of the 12 personal loans we track (8.74%). Bars below share one scale.

5% APR40% APR

Rates, fees and terms

APR range
8.99% – 35.99%
Loan amount
$2,000 – $50,000
Terms
2 years – 6 years
Origination fee
1% – 9.99%
Minimum credit score
640
Time to funding
As soon as next business day
Prepayment penalty
None
Collateral
Unsecured
Lender type
Online lender
  • Funding can come as soon as 1 business day after acceptance, verification and final approval.

Figures read from prosper.com on Sep 21, 2026. Terms change without notice, so confirm with the lender.

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