The Apple User Group on Prosper (AUGP) is a online community devoted to lending funds to existing and new Mac users. Existing Mac users can borrow funds for anything from buying a new Mac to consolidating debt, new Mac users or switchers can borrow funds to purchase their first Mac. The AUGP has more funds avaiable than any other group†.

Borrowers:
The Apple User Group provides 0% financing on 5% of any loan being used for a new computer purchase through us via the Apple Online Store. Borrowers with higher credit scores and lower debit to income ratios will receive more funding for their loans at the offered lending rate. Our offer is:

Credit Rating	Percent Offered*	Rates Offered
AA Rating:	up to 35% of loan	7-9%
A rating:	up to 30% of loan	8-11%
B rating:	up to 25% of loan	10-13%
C rating:	up to 20% of loan	11-16%
D rating:	up to 15% of loan	15-23%
E rating:	up to 10% of loan	22-27%
NC rating:	up to  6%  of loan	23-27%
HR rating:	up to  5%  of loan	27.5%

Take a look at a breakdown of interest rates for credit grades and how they differ between MacLenders and Apple Credit.

Lenders:
Our group of borrowers are Apple enthusiasts, first time buyers, and switchers to the Mac platform. As group leader and a lender, I talk to each group member to help create loans for purchases that are within their abilities to repay in a timely manner.

Computer Buyers:
As an Apple Authorized Business Agent, I offer assistance on system configuration and can obtaining discounts when purchasing new computers from the Apple Store. I help switchers from Windows configure their computers with the software and hardware needed to make a seamless switch. I also help first time computer purchasers set up a system that best fits their needs and budget.

Listings:
All borrowers should read our Loan Listing Tips and Tricks before posting a new loan request!

If you have more questions about our group visit the Apple User Group on Prosper FAQ. If you are a ebay member join our Apple User Group on ebay.

* Percent offered is the amount of the loan the group leader is willing to finance, other lenders on prosper will finance the remainder of the loan at various rates.
† Based on standing orders now available to borrowers with normal (<20%) debt to income ratios, and does not include funds that may become available from lenders through individual manual bids.
‡

Prosper Articles
	Loan Listings Tips & Tricks A must read for borrowers, here are several guidelines that will help your loan fund at the best rate the marketplace can offer.
	Apple User Group Information Page A in-depth look at what the Apple User Group offers borrowers and lenders in the Prosper marketplace.
	Understanding Your FICO Score See what is comprised of your FICO Score and how if affects what credit grade you are assigned, and the interest rate you will be-able to get a loan for.
	Improve Your FICO Score Some basic tips on how to improve your FICO score and get better interest rates.
	The Lenders Prospective Borrowers wanting to understand more about how lenders view you loan, some factors used by lenders to determine if, how much and at what rate they will bid on your loan.
-	Going Interest Rates On Prosper Before composing a loan listing see what the going interest rates are on Prosper for your credit score.