This Listing Report supplements the prospectus dated Jul 13, 2009 and provides information about each loan request (referred to as a "listing") and series of Borrower Payment Dependent Notes (the "Notes") we are currently offering. Prospective investors should read this Listing Report supplement together with the prospectus dated Jul 13, 2009 to understand the terms and conditions of the Notes and how they are offered, as well as the risks of investing in Notes.
The following series of Notes are currently being offered:
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
| Amount: | $3,500.00 | Prosper Rating: | A | ||
| Term: | 36 months | Estimated loss: | 2.1% | ||
| Starting lender yield: | 8.42% | Starting borrower rate/APR: | 9.42% / 10.81% | Starting monthly payment: | $111.98 |
| Auction yield range: | 4.27% - 8.42% | Estimated loss impact: | 2.12% | ||
| Lender servicing fee: | 1.00% | Estimated return: | 6.30% | ||
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans. The Estimated Return presented above does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
| Prosper score: | 9 | First credit line: | May-2001 | Debt/Income ratio: | 21% |
| Credit score: | 700-720 (Jul-2009) | Current / open credit lines: | 9 / 9 | Employment status: | Full-time employee |
| Now delinquent: | 0 | Total credit lines: | 16 | Length of status: | 3y 8m |
| Amount delinquent: | $0 | Revolving credit balance: | $7,524 | Occupation: | Other |
| Public records last 12m / 10y: | 0/ 0 | Bankcard utilization: | 54% | Stated income: | $25,000-$49,999 |
| Delinquencies in last 7y: | 0 | Homeownership: | No | ||
| Inquiries last 6m: | 1 |
| Screen name: | mreggz | Borrower's state: | Connecticut | Borrower's group: | N/A |
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
| Loan history | Payment history | Credit score history | |||
| Active / total loans: | 0 / 1 | On-time: | 13 ( 100% ) | 700-720 (Latest) | |
| Principal borrowed: | $1,500.00 | < mo. late: | 0 ( 0% ) | 720-740
(Mar-2007)
| |
| Principal balance: | $0.00 | 1+ mo. late: | 0 ( 0% ) | ||
| Total payments billed: | 13 | ||||
Debt Consolidation
The credit card companies have decided to raise my interest
rates, so I plan on paying off the debt and making one payment per month.As stated - this loan is primarily going to be used to
consolidate some outstanding credit card debt I have. I have a good credit rating,
steady job and have already paid off one prosper loan in full, in under a year and
a half. My net take home pay per month is around $2200 and my expenses are:
Car Payment $400
Insurance $80.00
Gas, Groceries $200
Cell Phone $60
Student Loans $100
Rent
$600 (includes utilities)
------------------------------
Total $1440
As you can see, this leaves me with enough to cover a loan payment as well as miscellaneous
spending money.In addition, I?m entering law school this fall, so student
loan payments will not only be deferred, I will also receive funding from
additional student loans to cover living expenses.
Information in the Description is not verified.
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
| Amount: | $1,000.00 | Prosper Rating: | AA | ||
| Term: | 36 months | Estimated loss: | 0.6% | ||
| Starting lender yield: | 6.17% | Starting borrower rate/APR: | 7.17% / 10.67% | Starting monthly payment: | $30.95 |
| Auction yield range: | 3.27% - 6.17% | Estimated loss impact: | 0.60% | ||
| Lender servicing fee: | 1.00% | Estimated return: | 5.57% | ||
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans. The Estimated Return presented above does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
| Prosper score: | 10 | First credit line: | Aug-1995 | Debt/Income ratio: | 8% |
| Credit score: | 820-840 (Jul-2009) | Current / open credit lines: | 6 / 5 | Employment status: | Full-time employee |
| Now delinquent: | 0 | Total credit lines: | 16 | Length of status: | 1y 11m |
| Amount delinquent: | $0 | Revolving credit balance: | $16,080 | Occupation: | Professional |
| Public records last 12m / 10y: | 0/ 0 | Bankcard utilization: | 38% | Stated income: | $100,000+ |
| Delinquencies in last 7y: | 0 | Homeownership: | Yes | ||
| Inquiries last 6m: | 0 |
| Screen name: | member123 | Borrower's state: | California | Borrower's group: | N/A |
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Consolidate Credit Card Debt
I currently use three cards credit cards, and while my balance is low, I have relatively high interest rates.
I'd prefer to consolidate them into one (smaller) payment. Because of this, in all likelihood, I will repay my Prosper loan early.
Information in the Description is not verified.
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
| Amount: | $3,500.00 | Prosper Rating: | AA | ||
| Term: | 36 months | Estimated loss: | 0.6% | ||
| Starting lender yield: | 10.55% | Starting borrower rate/APR: | 11.55% / 13.68% | Starting monthly payment: | $115.50 |
| Auction yield range: | 3.27% - 10.55% | Estimated loss impact: | 0.61% | ||
| Lender servicing fee: | 1.00% | Estimated return: | 9.94% | ||
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans. The Estimated Return presented above does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
| Prosper score: | 10 | First credit line: | Jan-1976 | Debt/Income ratio: | 5% |
| Credit score: | 820-840 (Jul-2009) | Current / open credit lines: | 7 / 5 | Employment status: | Retired |
| Now delinquent: | 0 | Total credit lines: | 19 | Length of status: | 20y 4m |
| Amount delinquent: | $0 | Revolving credit balance: | $0 | Stated income: | $25,000-$49,999 |
| Public records last 12m / 10y: | 0/ 0 | Bankcard utilization: | 0% | ||
| Delinquencies in last 7y: | 0 | Homeownership: | Yes | ||
| Inquiries last 6m: | 0 |
| Screen name: | jimbo29blue | Borrower's state: | California | Borrower's group: | SF State Teaching Credentials |
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
| Loan history | Payment history | Credit score history | |||
| Active / total loans: | 0 / 1 | On-time: | 1 ( 100% ) | 820-840 (Latest) | |
| Principal borrowed: | $5,750.00 | < mo. late: | 0 ( 0% ) | 820-840
(May-2006)
| |
| Principal balance: | $0.00 | 1+ mo. late: | 0 ( 0% ) | ||
| Total payments billed: | 1 | ||||
Cruise to Alaska
Purpose of loan:
This loan will be used to?
To purchase a cruise to Alaska
My financial situation:
I am a good candidate for this loan because?I am financially stable, own my own home and have no outstanding debts. I am retired and live in my own home in San Jose.
Information in the Description is not verified.
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
| Amount: | $12,000.00 | Prosper Rating: | HR | ||
| Term: | 36 months | Estimated loss: | 25.0% | ||
| Starting lender yield: | 34.00% | Starting borrower rate/APR: | 35.00% / 37.45% | Starting monthly payment: | $542.83 |
| Auction yield range: | 17.27% - 34.00% | Estimated loss impact: | 27.01% | ||
| Lender servicing fee: | 1.00% | Estimated return: | 6.99% | ||
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans. The Estimated Return presented above does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
| Prosper score: | 3 | First credit line: | Jan-1995 | Debt/Income ratio: | Not calculated |
| Credit score: | 680-700 (Jul-2009) | Current / open credit lines: | 15 / 12 | Employment status: | Full-time employee |
| Now delinquent: | 1 | Total credit lines: | 29 | Length of status: | 20y 5m |
| Amount delinquent: | $87 | Revolving credit balance: | $146,155 | Occupation: | Construction |
| Public records last 12m / 10y: | 0/ 0 | Bankcard utilization: | 86% | Stated income: | $75,000-$99,999 |
| Delinquencies in last 7y: | 0 | Homeownership: | Yes | ||
| Inquiries last 6m: | 1 |
| Screen name: | Ronnieboy888 | Borrower's state: | California | Borrower's group: | N/A |
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
bastard credit cards
Purpose of loan:
This loan will be used to?
My financial situation:
I am a good candidate for this loan because?
Monthly net income: $ 95000.00
Monthly expenses: $
Housing: $ 4700.00
Insurance: $ 700.00
Car expenses: $ 650.00
Utilities: $ 350.00
Phone, cable, internet: $ 245.00
Food, entertainment: $ 800.00
Clothing, household expenses $ 300.00
Credit cards and other loans: $ 700.00
Other expenses: $ 800.00
Information in the Description is not verified.
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
| Amount: | $10,000.00 | Prosper Rating: | E | ||
| Term: | 36 months | Estimated loss: | 14.7% | ||
| Starting lender yield: | 24.00% | Starting borrower rate/APR: | 25.00% / 27.31% | Starting monthly payment: | $397.60 |
| Auction yield range: | 14.27% - 24.00% | Estimated loss impact: | 15.78% | ||
| Lender servicing fee: | 1.00% | Estimated return: | 8.22% | ||
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans. The Estimated Return presented above does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
| Prosper score: | 6 | First credit line: | Aug-2005 | Debt/Income ratio: | 19% |
| Credit score: | 620-640 (Jul-2009) | Current / open credit lines: | 10 / 9 | Employment status: | Full-time employee |
| Now delinquent: | 0 | Total credit lines: | 12 | Length of status: | 3y 8m |
| Amount delinquent: | $0 | Revolving credit balance: | $5,481 | Occupation: | Analyst |
| Public records last 12m / 10y: | 0/ 0 | Bankcard utilization: | 43% | Stated income: | $75,000-$99,999 |
| Delinquencies in last 7y: | 0 | Homeownership: | No | ||
| Inquiries last 6m: | 2 |
| Screen name: | Chris7205 | Borrower's state: | Missouri | Borrower's group: | N/A |
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
| Loan history | Payment history | Credit score history | |||
| Active / total loans: | 1 / 1 | On-time: | 21 ( 100% ) | 620-640 (Latest) | |
| Principal borrowed: | $5,000.00 | < mo. late: | 0 ( 0% ) | 620-640
(Apr-2009)
620-640
(Sep-2007)
| |
| Principal balance: | $679.22 | 1+ mo. late: | 0 ( 0% ) | ||
| Total payments billed: | 21 | ||||
Buying a second car
Purpose of loan:
We already have a 2 year old Grand Caravan, however my wife's car, 15 year old Ford Escort requires immediate replacement.
I want to buy a car between 15-17 K.
I am looking for a loan on Prosper to find out if I can get better rate here than at dealer or as a last step credit card.
My financial situation:
I am full-time employee as systems analyst in one of consulting company.
Monthly expenses: $
??Housing: 900$
??Insurance: 100$
??Car expenses: 439$
??Utilities: 150$
??Phone, cable, internet: 50$
??Food, entertainment: 500$
??Clothing, household expenses 100$
??Credit cards and other loans: 250$
??Other expenses: 0$
? Previous Prosper loan: $198?? (last 3 payments)
Information in the Description is not verified.
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
| Amount: | $2,000.00 | Prosper Rating: | D | ||
| Term: | 36 months | Estimated loss: | 10.0% | ||
| Starting lender yield: | 28.30% | Starting borrower rate/APR: | 29.30% / 31.67% | Starting monthly payment: | $84.14 |
| Auction yield range: | 11.27% - 28.30% | Estimated loss impact: | 10.71% | ||
| Lender servicing fee: | 1.00% | Estimated return: | 17.59% | ||
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans. The Estimated Return presented above does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
| Prosper score: | 8 | First credit line: | Aug-1989 | Debt/Income ratio: | 15% |
| Credit score: | 660-680 (Jul-2009) | Current / open credit lines: | 7 / 7 | Employment status: | Full-time employee |
| Now delinquent: | 0 | Total credit lines: | 31 | Length of status: | 11y 0m |
| Amount delinquent: | $0 | Revolving credit balance: | $3,378 | Occupation: | Other |
| Public records last 12m / 10y: | 0/ 1 | Bankcard utilization: | 88% | Stated income: | $75,000-$99,999 |
| Delinquencies in last 7y: | 1 | Homeownership: | No | ||
| Inquiries last 6m: | 2 |
| Screen name: | blazing-revenue | Borrower's state: | California | Borrower's group: | N/A |
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Recreating our exterior
Purpose of loan:
This loan will be used to finance the expenses of a new home. We need a fence, gate and plants (trees & shrubs).
My financial situation:
I am a good candidate for this loan because although I have had credit issues in the past, I have an excellent and secure job. My finances have become stable over the last few years and I pay my bills on time. We are now in a position to purchase a home and would like to be able to have a little extra to make it "ours".
Monthly net income: $
$6145
Monthly expenses: $
Housing: $
1500
Insurance: $
216
Car expenses: $
200
Utilities: $
450
Phone, cable, internet: $ 110
Food, entertainment: $
950
Clothing, household expenses $ 200
Credit cards and other loans: $
800
Other expenses: $
200
Information in the Description is not verified.
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
| Amount: | $3,500.00 | Prosper Rating: | C | ||
| Term: | 36 months | Estimated loss: | 6.5% | ||
| Starting lender yield: | 16.00% | Starting borrower rate/APR: | 17.00% / 19.20% | Starting monthly payment: | $124.78 |
| Auction yield range: | 8.27% - 16.00% | Estimated loss impact: | 6.86% | ||
| Lender servicing fee: | 1.00% | Estimated return: | 9.14% | ||
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans. The Estimated Return presented above does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
| Prosper score: | 9 | First credit line: | Oct-2003 | Debt/Income ratio: | 26% |
| Credit score: | 640-660 (Jul-2009) | Current / open credit lines: | 19 / 19 | Employment status: | Full-time employee |
| Now delinquent: | 0 | Total credit lines: | 21 | Length of status: | 1y 9m |
| Amount delinquent: | $0 | Revolving credit balance: | $15,861 | Occupation: | Other |
| Public records last 12m / 10y: | 0/ 0 | Bankcard utilization: | 75% | Stated income: | $25,000-$49,999 |
| Delinquencies in last 7y: | 0 | Homeownership: | Yes | ||
| Inquiries last 6m: | 0 |
| Screen name: | bamagirl84 | Borrower's state: | Alabama | Borrower's group: | N/A |
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
| Loan history | Payment history | Credit score history | |||
| Active / total loans: | 0 / 1 | On-time: | 6 ( 100% ) | 640-660 (Latest) | |
| Principal borrowed: | $3,500.00 | < mo. late: | 0 ( 0% ) | 640-660
(Sep-2007)
| |
| Principal balance: | $0.00 | 1+ mo. late: | 0 ( 0% ) | ||
| Total payments billed: | 6 | ||||
Borrowing for Consolidation
Purpose of loan:
I will be using this loan to consolidate almost all of my credit card bills except one.
My financial situation:
I have worked in finance for almost 4 years now. I am currently a banker. Although my credit score is a little lower, my payment history is EXCELLENT. I have NEVER been over 30 days past due on any account. I am a perfectionist PLUS I have to maintain credit worthiness because of the industry I am in. I obtained a degree in Finance in April of 2007.
Information in the Description is not verified.
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
| Amount: | $18,000.00 | Prosper Rating: | AA | ||
| Term: | 36 months | Estimated loss: | 1.5% | ||
| Starting lender yield: | 10.52% | Starting borrower rate/APR: | 11.52% / 13.65% | Starting monthly payment: | $593.74 |
| Auction yield range: | 3.27% - 10.52% | Estimated loss impact: | 1.51% | ||
| Lender servicing fee: | 1.00% | Estimated return: | 9.01% | ||
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans. The Estimated Return presented above does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
| Prosper score: | 9 | First credit line: | Dec-1995 | Debt/Income ratio: | 7% |
| Credit score: | 820-840 (Jul-2009) | Current / open credit lines: | 5 / 4 | Employment status: | Full-time employee |
| Now delinquent: | 0 | Total credit lines: | 22 | Length of status: | 4y 0m |
| Amount delinquent: | $0 | Revolving credit balance: | $729 | Occupation: | Other |
| Public records last 12m / 10y: | 0/ 0 | Bankcard utilization: | 1% | Stated income: | $100,000+ |
| Delinquencies in last 7y: | 0 | Homeownership: | No | ||
| Inquiries last 6m: | 0 |
| Screen name: | IOWA | Borrower's state: | California | Borrower's group: | N/A |
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
| Loan history | Payment history | Credit score history | |||
| Active / total loans: | 0 / 1 | On-time: | 10 ( 100% ) | 820-840 (Latest) | |
| Principal borrowed: | $6,500.00 | < mo. late: | 0 ( 0% ) | 760-780
(Mar-2008)
740-760
(Dec-2007)
720-740
(Dec-2006)
| |
| Principal balance: | $0.00 | 1+ mo. late: | 0 ( 0% ) | ||
| Total payments billed: | 10 | ||||
Porsche 914
Purpose of loan:
This loan will be used to?acquire a nice Porsche 914. Currently, this Porsche is at auction on eBay at:
Red Flared Porsche 914
In addition, it can be found at
Autoatlanta.com 914 description
My financial situation:
I am a good candidate for this loan because my credit is excellent and has improved over 80 points since last fall. I have no debts other than some monthly credit card debt that I payoff each month (or tends to hover in the sub-$500 range).
Information in the Description is not verified.
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
| Amount: | $6,000.00 | Prosper Rating: | HR | ||
| Term: | 36 months | Estimated loss: | 18.0% | ||
| Starting lender yield: | 34.00% | Starting borrower rate/APR: | 35.00% / 37.45% | Starting monthly payment: | $271.42 |
| Auction yield range: | 17.27% - 34.00% | Estimated loss impact: | 20.01% | ||
| Lender servicing fee: | 1.00% | Estimated return: | 13.99% | ||
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans. The Estimated Return presented above does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
| Prosper score: | 5 | First credit line: | Nov-1985 | Debt/Income ratio: | 40% |
| Credit score: | 660-680 (Jul-2009) | Current / open credit lines: | 9 / 9 | Employment status: | Full-time employee |
| Now delinquent: | 0 | Total credit lines: | 19 | Length of status: | 24y 0m |
| Amount delinquent: | $0 | Revolving credit balance: | $117,270 | Occupation: | Truck Driver |
| Public records last 12m / 10y: | 0/ 0 | Bankcard utilization: | 99% | Stated income: | $25,000-$49,999 |
| Delinquencies in last 7y: | 0 | Homeownership: | Yes | ||
| Inquiries last 6m: | 2 |
| Screen name: | diligent-basis | Borrower's state: | Utah | Borrower's group: | N/A |
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Remodeling Bathroom
Purpose of loan:
This loan will be used to?
Remodel our Bathroom
My financial situation:
I am a good candidate for this loan because?
I am reliable and have been with the same company for 24 years. I have always paid my debts. We find we are need of remodeling our bathroom. It has mold and there are things that need to be ripped out and the plumbing repaired. I will be doing most of the work myself along with a plumber friend, saving us thousands of dollars. We sure would appreciate and help we could get. I lived in the same place for 24 years, have a wife who also contributes her income and a Son who just graduated.
Monthly net income: $ 3,500
Monthly expenses: $
Housing: $ 450,00
Insurance: $
Car expenses: $ 100.00
Utilities: $ 125.00
Phone, cable, internet: $ 110.00
Food, entertainment: $ 400.00
Clothing, household expenses $
Credit cards and other loans: $ 1000
Other expenses: $ 200.00
Information in the Description is not verified.
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
| Amount: | $6,500.00 | Prosper Rating: | AA | ||
| Term: | 36 months | Estimated loss: | 0.6% | ||
| Starting lender yield: | 6.17% | Starting borrower rate/APR: | 7.17% / 9.24% | Starting monthly payment: | $201.21 |
| Auction yield range: | 3.27% - 6.17% | Estimated loss impact: | 0.60% | ||
| Lender servicing fee: | 1.00% | Estimated return: | 5.57% | ||
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans. The Estimated Return presented above does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
| Prosper score: | 10 | First credit line: | Apr-1988 | Debt/Income ratio: | 3% |
| Credit score: | 800-820 (Jul-2009) | Current / open credit lines: | 4 / 3 | Employment status: | Full-time employee |
| Now delinquent: | 0 | Total credit lines: | 19 | Length of status: | 1y 0m |
| Amount delinquent: | $0 | Revolving credit balance: | $1,906 | Occupation: | Professor |
| Public records last 12m / 10y: | 0/ 0 | Bankcard utilization: | 3% | Stated income: | $75,000-$99,999 |
| Delinquencies in last 7y: | 0 | Homeownership: | No | ||
| Inquiries last 6m: | 0 |
| Screen name: | first-worlds-best-cash | Borrower's state: | California | Borrower's group: | N/A |
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Buying a Vespa
Purpose of loan:
This loan will be used to buy a Vespa motorscooter for my husband's four mile a day commute. The Vespa dealership is offering 36 month loan at 7.9% with 10% down. I think Prosper is an excellent alternative.
My financial situation:
I am a good candidate for this loan because I have an excellent job and excellent credit.
Information in the Description is not verified.
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
| Amount: | $5,000.00 | Prosper Rating: | A | ||
| Term: | 36 months | Estimated loss: | 2.1% | ||
| Starting lender yield: | 8.42% | Starting borrower rate/APR: | 9.42% / 11.52% | Starting monthly payment: | $159.98 |
| Auction yield range: | 4.27% - 8.42% | Estimated loss impact: | 2.12% | ||
| Lender servicing fee: | 1.00% | Estimated return: | 6.30% | ||
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans. The Estimated Return presented above does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
| Prosper score: | 9 | First credit line: | Feb-1992 | Debt/Income ratio: | 18% |
| Credit score: | 760-780 (Jul-2009) | Current / open credit lines: | 13 / 12 | Employment status: | Full-time employee |
| Now delinquent: | 0 | Total credit lines: | 56 | Length of status: | 1y 10m |
| Amount delinquent: | $0 | Revolving credit balance: | $2,991 | Occupation: | Attorney |
| Public records last 12m / 10y: | 0/ 1 | Bankcard utilization: | 4% | Stated income: | $75,000-$99,999 |
| Delinquencies in last 7y: | 21 | Homeownership: | Yes | ||
| Inquiries last 6m: | 3 |
| Screen name: | newaptsobe1 | Borrower's state: | Florida | Borrower's group: | N/A |
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
| Loan history | Payment history | Credit score history | |||
| Active / total loans: | 1 / 1 | On-time: | 17 ( 100% ) | 760-780 (Latest) | |
| Principal borrowed: | $3,000.00 | < mo. late: | 0 ( 0% ) | 720-740
(Jan-2008)
| |
| Principal balance: | $1,705.56 | 1+ mo. late: | 0 ( 0% ) | ||
| Total payments billed: | 17 | ||||
Working capital for law firm
Purpose of loan:
This loan will be used for working capital for my 100% owned law firm. Started in October of 2008, my firm has experienced steady growth in foreclosure defense and commercial litigation. I would use the funds for filing a number of contingency cases, including personal injury and deceptive trade practices claims. These cases usually require the hiring of an expert to testify on the behalf of the client. Unless a law firm can fund these costs, it must refer the case away or agree to partner up with a bigger firm, giving up much of the profit in the case.
My financial situation:
I am a good candidate for this loan because I have steady cash flow and have been able to expand along with the needs of my clients. The law practice is grossing approximately $9,000.00 per month. I also have a separate accounting practice grosses $3,000.00 per month. My law firm is currently handling almost 100 foreclosure cases and fifteen loan modification cases. We are adding two to three foreclosure cases and one loan modification case per week. I have four part time employees assisting me with this caseload. I also serve as general counsel for three small to medium sized businesses.
Information in the Description is not verified.
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
| Amount: | $7,000.00 | Prosper Rating: | A | ||
| Term: | 36 months | Estimated loss: | 2.1% | ||
| Starting lender yield: | 8.42% | Starting borrower rate/APR: | 9.42% / 11.52% | Starting monthly payment: | $223.97 |
| Auction yield range: | 4.27% - 8.42% | Estimated loss impact: | 2.12% | ||
| Lender servicing fee: | 1.00% | Estimated return: | 6.30% | ||
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans. The Estimated Return presented above does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
| Prosper score: | 9 | First credit line: | Mar-1995 | Debt/Income ratio: | 7% |
| Credit score: | 780-800 (Jul-2009) | Current / open credit lines: | 15 / 15 | Employment status: | Full-time employee |
| Now delinquent: | 0 | Total credit lines: | 32 | Length of status: | 2y 9m |
| Amount delinquent: | $0 | Revolving credit balance: | $5,759 | Occupation: | Administrative Assi... |
| Public records last 12m / 10y: | 0/ 0 | Bankcard utilization: | 5% | Stated income: | $75,000-$99,999 |
| Delinquencies in last 7y: | 3 | Homeownership: | No | ||
| Inquiries last 6m: | 1 |
| Screen name: | Rose22 | Borrower's state: | California | Borrower's group: | N/A |
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
| Loan history | Payment history | Credit score history | |||
| Active / total loans: | 0 / 1 | On-time: | 20 ( 100% ) | 780-800 (Latest) | |
| Principal borrowed: | $3,000.00 | < mo. late: | 0 ( 0% ) | 740-760
(Feb-2007)
| |
| Principal balance: | $0.00 | 1+ mo. late: | 0 ( 0% ) | ||
| Total payments billed: | 20 | ||||
New Motorcycle
Purpose
of loan:
This loan will be used to buy a motorcycle! I've been a "biker babe"
for the last five years while riding with my husband but I've always wanted to
ride on my own. I think a women rider is super HOT!!! More women are taking charge
when it comes to motorcycling, because the road is a lot more enjoyable from
the front seat...so it?s time for me to feel the adrenaline rush!
My financial
situation:
I am a good candidate for this loan because I am a hard working Full-Time
professional. I highly value my credit of which you can see through my credit
history. Also, this will be my my second loan with Prosper with the first loan fully paid off last October.
Information in the Description is not verified.