I applied for a personal/consolidation loan on Friday through Prosper and it fully funded a few hours after it was listed. I immediately uploaded all the documents they asked for. Now it's been in review for the past three days and I'm getting nervous. 
Is it just a matter of me submitting all the information they need at this point or is there still a chance they will deny me the loan after all of this?
@Calidreaming wrote:I applied for a personal/consolidation loan on Friday through Prosper and it fully funded a few hours after it was listed. I immediately uploaded all the documents they asked for. Now it's been in review for the past three days and I'm getting nervous.
Is it just a matter of me submitting all the information they need at this point or is there still a chance they will deny me the loan after all of this?
If they review the documents and it does not meet their standards, they can unfund the listing. Just give them every document they need. You can also follow up by sending them an email from the contact section when you log in. They usually respond in 24 hours.
Happy update! My prosper loan funded within hours of my last post. I was pleased with how quickly everything went after that. I had about $25K in credit card debt and thanks to the Prosper loan, was able to consolidate half of it at an interest rate lower than the lowest rate I could get on any of my other cards. With that money freed up, I was then able to do a 4.99%, 21 month, no fee balance transfer to my Discover Card.
As a result of this transaction, I got an immediate 21 point increase in my FICO 8 score. 
I got a 7 point increase just due to a balance inquiry on a Discover loan, and then another 14 points after I paid down half of my credit card balances.
We are trying to qualify for a mortgage in about 2 years, and my credit score was wrecked by a redeemed repo I had due to an auto loan I took out for a family member as well as a BS $41 medical collection. This loan will help me get my credit score to where I need it to be faster to be able to quality for a good mortgage.
I still have a ways to go in paying down debt, but at least now I am making concrete progress. Up to now, I've just been able to keep up with my monthly minimums but haven't really been able to pay down any debt. Now I can make substantial progress that I hope will snowball as time goes on. My next project after this is to get out of my expensive auto loan and into an older, reliable used vehicle. My current payment is $640 a month and hopefully with the improvement in my credit score, I will be able to sell the car and get a good rate on a used auto loan with a payment of less than $300/month that I can pay off in less than years. With the decrease in the auto payments and insurance payments, that will equal a $500 decrease in my monthly bills that I can put toward debt reduction.
I love this forum so much and all of the good advice everyone gives here. The Prosper loan program is awesome and I never would have known about it if I hadn't read about it here.
Thanks for the update.. Good it all worked out..