Have Anyone Ever Used Prosper.com? Can You Answer If You Have Got A Loan And Give Details On How They Work?

I was directed to this web site. I am afraid to give out my social security number and my bank account information online. Please let me know if this is a real loan web site and if it is safe to answer. Does this information cause inquries on your credit report, if more than one place is used? Please answer if you have got a loan and give details on how they work. Your help will be appreciated.