Answer: -Visit prosper.com to learn about the loan process, review other people's loan requests, and find out where you would stand. Greatsource of info. Also, you may want to visit the Credit Trap page of the site listed below. http://www.wealthsearch.org -I don't know how to answer this because I'm in the same financial circumstances as you are. Being a Canadian resident myself you can NOT go on prosper as it is only for Americans. Believe me I've tried. And as far as these private lenders on here go...BE VERY CAREFUL! I was just scammed of about $700. Can you believe that...here I am looking for a loan and dishing out money...unreal. A place that I have gotten a loan with not too long ago is Prudent Financial services. They are very good lenders with a 9% interest rate but put a lien on your vehicle if you have one. Another place that I know is called QuickClick loans. They approved someone I know in minutes and had funds sent to them immediately. Try either one and let me know how things work out. I know how stressful times like these are..believe me.! -If you have a poor credit score, it is difficult to get a loan from most banks and financial institutions. Credit is usually available only at a very high interest rate.Only few companies provide loan with poor credit score.Check out link for details.http://www.acreditlibrary.com/prosper.ht...