{"buyer_scenarios":[{"fit":"not_best_suited","scenario":"Applicants with fair credit (around 600–640 minimum) who can use a stronger co-borrower's history to get approved or secure a lower rate"},{"fit":"not_best_suited","scenario":"Couples or family members wanting to apply together to meet DTI requirements"},{"fit":"not_best_suited","scenario":"Borrowers seeking unsecured personal loans with a defined two- to five-year repayment period"},{"fit":"not_best_suited","scenario":"Borrowers who want to check an estimated rate before accepting an offer"}],"citations":{"source_mix":{"company_owned":13,"independent":12,"unclear":0},"sources_referenced_by_questions":0,"support_mix":{"direct":16,"partial":9},"total_sources":25,"unique_domain_count":13},"claims":[{"claim_id":"claim-001","confidence":"verified","observed_at":"2026-09-08","platform_support":["anthropic","deepseek","google","grok","kimi","openai","perplexity"],"predicate":"platforms_analyzed","qualifier":"valid included platform responses","subject":"Best Personal Loans for Joint Applications or Co-Borrowers","unit":"platforms","value":7},{"claim_id":"claim-002","confidence":"verified","observed_at":"2026-09-08","platform_support":["anthropic","deepseek","google","openai"],"predicate":"final_consensus_rank","qualifier":"Joint & Co-Borrower Personal Loans","subject":"Prosper","unit":"rank","value":6},{"claim_id":"claim-003","confidence":"verified","observed_at":"2026-09-08","platform_support":["anthropic","deepseek","google","openai"],"predicate":"platform_mentions","qualifier":"out of 7","subject":"Prosper","unit":"platforms","value":4},{"claim_id":"claim-004","confidence":"verified","observed_at":"2026-09-08","platform_support":["grok","google"],"predicate":"fit_rating_count","qualifier":"strong","subject":"Prosper","unit":"platforms","value":2},{"claim_id":"claim-005","confidence":"verified","observed_at":"2026-09-08","platform_support":["openai","perplexity"],"predicate":"fit_rating_count","qualifier":"good","subject":"Prosper","unit":"platforms","value":2},{"claim_id":"claim-006","confidence":"verified","observed_at":"2026-09-08","platform_support":["kimi"],"predicate":"fit_rating_count","qualifier":"mixed","subject":"Prosper","unit":"platforms","value":1},{"claim_id":"claim-007","confidence":"verified","observed_at":"2026-09-08","platform_support":["anthropic"],"predicate":"fit_rating_count","qualifier":"weak","subject":"Prosper","unit":"platforms","value":1},{"claim_id":"claim-008","confidence":"verified","observed_at":"2026-09-08","platform_support":["deepseek"],"predicate":"fit_rating_count","qualifier":"uncertain","subject":"Prosper","unit":"platforms","value":1}],"content_scope":"aggregated facts, computed metrics, and retrieval summaries","entities":[{"average_rank":7.75,"best_rank":6,"entity_id":"entity-001","entity_type":"company","final_rank":6,"name":"Prosper","platform_mentions":4,"platform_share":0.5714285714285714}],"identity":{"dataset_url":"https://creditconsensusindex.com/datasets/personal-debt-consolidation-loans/joint-co-borrower-personal-loans/prosper.json","page_url":"https://creditconsensusindex.com/personal-debt-consolidation-loans/joint-co-borrower-personal-loans/prosper","report_type":"fit_review","study_id":"CCI-STUDY-7C3E599C27ED","title":"Prosper for Personal Loans for Joint Applications or Co-Borrowers Review"},"limitations":["Use the run researchdate as the study date. 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co-borrower application process work?","section":"The Product, Model, Plan, or Service Most Relevant to Joint & Co-Borrower Personal Loans","section_id":"the-product-model-plan-or-service-most-relevant-to-joint-co-borrower-personal-loans"},{"claims":["claim-002","claim-003","claim-004","claim-005","claim-006","claim-007","claim-008"],"entities":["Prosper"],"id":"question-003","question":"Which Prosper features did the platforms consistently confirm?","section":"What the AI Platforms Agreed About","section_id":"what-the-ai-platforms-agreed-about"},{"id":"question-004","question":"What loan amounts, APRs, and terms did multiple platforms report?","section":"What the AI Platforms Agreed About","section_id":"what-the-ai-platforms-agreed-about"},{"claims":["claim-002","claim-003","claim-004","claim-005","claim-006","claim-007","claim-008"],"entities":["Prosper"],"id":"question-005","question":"Do all platforms agree that Prosper offers joint loans?","section":"Where the AI Platforms 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exists. Four of seven platforms named Prosper during the ranking stage for joint and co-borrower personal loans. The strongest reason to consider Prosper is its explicit joint-application support with combined debt-to-income (DTI) calculation, which can help a primary applicant who cannot qualify alone. The main limitation is the significant origination fee (up to 9.99%) deducted from proceeds, combined with conflicting platform…","target_buyer":"Borrowers who want to apply jointly with a spouse, partner, or other qualified co-borrower to improve eligibility, loan amount, or terms","topic":{"base_category":"Personal & debt consolidation loans","category_criteria":["Joint application availability","co-borrower eligibility","combined-income treatment","APR and fees","loan amount range","repayment terms","prequalification options"],"geography":"United States","slug":"best-personal-loans-for-joint-applications-or-co-borrowers","title":"Best Personal Loans for Joint Applications or Co-Borrowers","use_case":"Joint & Co-Borrower Personal Loans"}}