Every individual has a different and unique financial situation. That said, if your credit score is under 600, you might not qualify for a loan through Prosper. The best way to know if you are eligible to receive a personal loan through Prosper is to visit our personal loans page https://www.prosper.com/personal-loans and apply. Checking your eligibility and rate will not affect your credit score. If you are not eligible to receive a personal loan through Prosper on your own, you could consider adding a co-applicant. Adding a co-applicant could improve your chances of having your personal loan application approved. You can learn more about joint personal loans here https://www.prosper.com/blog/how-to-get-a-joint-personal-loan/.