What are the downsides of choosing Prosper for a lender?

When it comes to selecting Prosper as a lending platform, are there any potential drawbacks that investors should be aware of? For instance, does Prosper charge high fees or have strict eligibility requirements for borrowers? Additionally, is there any risk associated with the borrower's creditworthiness or the platform's overall financial stability? Furthermore, how does Prosper compare to other peer-to-peer lending platforms in terms of diversification and interest rates offered to lenders? It would be helpful to understand these factors before making a decision to invest with Prosper.