Prosper is San Francisco, California-based online lender specializing in personal and home equity loans. It was founded in 2005 as the first peer-to-peer lending marketplace. Its goal is to offer a variety of resources people can use to improve their financial health. Thus, you can borrow personal loans and home equity loans at attractive rates. Apart from this, you can also invest in them to earn attractive returns. Furthermore, you can apply for a Prosper credit card which requires no security deposit.