Prosper is a peer-to-peer lender, meaning that loans are funded by individual investors rather than a direct lender. You may qualify with any income over $0, as long as it supports the payments. Prosper also supports co-borrowers, making it easier to qualify.Happy Money offers one loan — the Payoff loan. It’s designed to consolidate high-interest credit card debt. The starting APR is much lower than the average credit card rate , which is above 20 percent. Happy Money has no minimum income requirement, thou ...