Listing Report:Supplement No. 7 dated Jul 16, 2009 to Prospectus dated Jul 13, 2009File pursuant to Rule 424(b)(3)
Registration Statement No. 333-147019
Prosper Marketplace, Inc.
Borrower Payment Dependent Notes
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:
Borrower Payment Dependent Notes Series
364825
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:
| HR | | |
Term:
| 36 months |
Estimated loss:
| 18.0% | | |
|
Starting lender yield:
| 34.00% |
Starting borrower rate/APR:
| 35.00% / 36.62% |
Starting monthly payment:
| $452.36 |
|
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.
Borrower's Credit Profile
Prosper score:
| 3 |
First credit line:
| Feb-1998 |
Debt/Income ratio:
| Self-employed (DTI Not Calculated) |
Credit score:
| 740-760 (Jul-2009) |
Current / open credit lines:
| 2
/
2 | Employment status: | Self-employed |
Now delinquent:
| 1 |
Total credit lines:
| 15 | Length of status: | 11y 4m |
Amount delinquent:
| $2,073 |
Revolving credit balance:
| $515 |
Occupation: | Other |
Public records last 12m / 10y:
| 0/ 0 |
Bankcard utilization:
| 20% | Stated income: | $25,000-$49,999 |
Delinquencies in last 7y:
| 4 |
Homeownership:
| No | | |
Inquiries last 6m:
| 0 | | | | |
Screen name:
| nwcre8ive |
Borrower's state:
| Nevada |
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.
Description
Working Capital for small business
Purpose of loan:
Primarily to provide a short-term monthly
cash-flow cushion to keep up with recurring bills and payments.
Secondarily, I would like to use the account to pay for certain
outsource costs which will free me up to generate more business. I bill
my clients at the end of every month, net 10, but typically I am paid
anywhere from 10-30 days. Rather than continue to dip into savings
and/or credit card to cover this ongoing shortfall, then pay those
accounts back, I would like to use this loan instead. I intend to put
the loan cash into an interest-bearing account and set the Prosper
payments to auto-deduct from this account.
My financial situation:
I am a good candidate for this
loan because?up until a month ago I was employed full-time making $58k
and managed to sock away enough money to stay afloat for 6 months, I
have no car payment, and a monthly break-even of $2200 (includes personal and business expenses). I have run this one-person "freelance" business (LLC) since 3/98 even while being employed full-time, so I have a handful of loyal clients, however I would like to get new clients and focus on this business full-time. As it stands, I
could continue on without this loan, however I would need to continue
going in and out of my personal savings and I'd prefer to separate my
personal and business money and have the peace of mind that comes with that. Lastly, I am aware that I'd be much better
off getting a credit card or revolving account to serve my desired
purpose, but with my not-so-hot credit (which I am actively repairing)
I am not very likely to qualify for anything worthwhile.
I have lent a small amount of money through Prosper and see that this could be a viable solution for me.
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
394122
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:
| $15,000.00 |
Prosper Rating:
| HR | | |
Term:
| 36 months |
Estimated loss:
| 18.0% | | |
|
Starting lender yield:
| 17.27% |
Starting borrower rate/APR:
| 18.27% / 19.73% |
Starting monthly payment:
| $544.32 |
|
Auction yield range:
| 17.27% - 17.27% |
Estimated loss impact:
| 18.95% | | |
Lender servicing fee:
| 1.00% |
Estimated return:
| -1.68% | | |
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.
Borrower's Credit Profile
Prosper score:
| 4 |
First credit line:
| May-1990 |
Debt/Income ratio:
| 32% |
Credit score:
| 700-720 (Jul-2009) |
Current / open credit lines:
| 11
/
9 | Employment status: | Full-time employee |
Now delinquent:
| 0 |
Total credit lines:
| 46 | Length of status: | 22y 8m |
Amount delinquent:
| $0 |
Revolving credit balance:
| $21,746 |
Occupation: | Military Enlisted |
Public records last 12m / 10y:
| 0/ 0 |
Bankcard utilization:
| 73% | Stated income: | $50,000-$74,999 |
Delinquencies in last 7y:
| 2 |
Homeownership:
| Yes | | |
Inquiries last 6m:
| 4 | | | | |
Screen name:
| philtip2 |
Borrower's state:
| Georgia |
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.
Prosper Activity
Loan history | Payment history | Credit score history |
Active / total loans:
| 0 / 1 |
On-time:
| 13 ( 100% )
| 700-720 (Latest)
|
Principal borrowed:
| $6,000.00 | < mo. late:
| 0
( 0% )
| 720-740
(Feb-2008)
720-740
(Jan-2008)
700-720
(Sep-2007)
|
Principal balance:
| $0.00 |
1+ mo. late:
| 0
( 0% )
|
Total payments billed:
| 13 | | |
Description
2nd Prosper Loan, NOT A HR
I paid off my first loan plus I'm an active lender, you will get your money back.
I'm dedicated to paying all my bills on time every month.
I don't know how I got rated as an HR? I have a proven track record of repayment in this system.
Purpose of loan: I will use this money to put a down payment on an investment property in Atlanta, GA.
I?m married with 3 children at home and been in the Army for 22 years.
My financial situation: I pay all my bills on time and as you can see I paid my first loan on time every month, that loan was paid off in 13 months.
The 2 delinquencies on my account were due to about 6 years ago I purchased a home for my father and step mother to live in. My father was working and had the income to pay the mortgage, but became ill about 4 years ago and was unable to keep up with the mortgage payments. He past away May 2007 and I was able to sell the house in August 2007.
Monthly net income: $5,830
Monthly expenses:
Housing: $ 804
Insurance: $ 300
Car expenses: $ 463
Utilities: $ 250
Phone, cable, internet: $ 149
Clothing, household expenses $ 300
Credit cards and other loans: $ 450
Other expenses: $ 200
My husband pays half of all bills.
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
416612
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:
| $17,000.00 |
Prosper Rating:
| HR | | |
Term:
| 36 months |
Estimated loss:
| 25.0% | | |
|
Starting lender yield:
| 28.00% |
Starting borrower rate/APR:
| 29.00% / 31.36% |
Starting monthly payment:
| $712.40 |
|
Auction yield range:
| 17.27% - 28.00% |
Estimated loss impact:
| 26.63% | | |
Lender servicing fee:
| 1.00% |
Estimated return:
| 1.37% | | |
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.
Borrower's Credit Profile
Prosper score:
| 3 |
First credit line:
| May-1994 |
Debt/Income ratio:
| 74% |
Credit score:
| 640-660 (Jul-2009) |
Current / open credit lines:
| 13
/
10 | Employment status: | Full-time employee |
Now delinquent:
| 0 |
Total credit lines:
| 21 | Length of status: | 27y 10m |
Amount delinquent:
| $0 |
Revolving credit balance:
| $6,779 |
Occupation: | Civil Service |
Public records last 12m / 10y:
| 0/ 0 |
Bankcard utilization:
| 4% | Stated income: | $25,000-$49,999 |
Delinquencies in last 7y:
| 0 |
Homeownership:
| No | | |
Inquiries last 6m:
| 3 | | | | |
Screen name:
| BakerBum |
Borrower's state:
| Georgia |
Borrower's group:
| Have Money - Will Bid |
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.
Prosper Activity
Loan history | Payment history | Credit score history |
Active / total loans:
| 1 / 1 |
On-time:
| 15 ( 75% )
| 640-660 (Latest)
|
Principal borrowed:
| $3,001.00 | < mo. late:
| 5
( 25% )
| 560-580
(Oct-2007)
520-540
(Sep-2007)
520-540
(Aug-2007)
|
Principal balance:
| $1,693.91 |
1+ mo. late:
| 0
( 0% )
|
Total payments billed:
| 20 | | |
Description
Trying to pay off CASHCALL
Purpose of loan: I am trying to buy my car that I have leased for the past 3 years. It is $17,000 for a 2006 Town Car. It is in good condition.
My wife of 35 years left me recently after damaging my credit. Most of the bills are something I can pay, but the Cashcall note of $5000 over 7 years is really terrible. If I pay this loan in full, I will have paid 21,000. Please help me with this.
My financial situation: I am a Civil Service employee, and have worked there for 26 years. I make a decent salary and and will certainly pay this back. I am a Christian, and a conscientious worker, and moral person.
Monthly net income: $ 2100
Monthly expenses: $
Housing: $ 452
Insurance: $ 65
Car expenses: $ 125
Utilities: $ 175
Phone, cable, internet: $ 43
Food, entertainment: $ 250
Clothing, household expenses $ 100
Credit cards and other loans: $ 736
Other expenses None
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
416616
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:
| $15,000.00 |
Prosper Rating:
| HR | | |
Term:
| 36 months |
Estimated loss:
| 18.0% | | |
|
Starting lender yield:
| 25.00% |
Starting borrower rate/APR:
| 26.00% / 28.32% |
Starting monthly payment:
| $604.36 |
|
Auction yield range:
| 17.27% - 25.00% |
Estimated loss impact:
| 19.44% | | |
Lender servicing fee:
| 1.00% |
Estimated return:
| 5.56% | | |
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.
Borrower's Credit Profile
Prosper score:
| 4 |
First credit line:
| Apr-1975 |
Debt/Income ratio:
| 27% |
Credit score:
| 720-740 (Jul-2009) |
Current / open credit lines:
| 15
/
12 | Employment status: | Full-time employee |
Now delinquent:
| 0 |
Total credit lines:
| 38 | Length of status: | 36y 1m |
Amount delinquent:
| $0 |
Revolving credit balance:
| $23,490 |
Occupation: | Civil Service |
Public records last 12m / 10y:
| 0/ 0 |
Bankcard utilization:
| 81% | Stated income: | $75,000-$99,999 |
Delinquencies in last 7y:
| 0 |
Homeownership:
| Yes | | |
Inquiries last 6m:
| 2 | | | | |
Screen name:
| Byebills56 |
Borrower's state:
| Maryland |
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.
Prosper Activity
Loan history | Payment history | Credit score history |
Active / total loans:
| 1 / 1 |
On-time:
| 18 ( 100% )
| 720-740 (Latest)
|
Principal borrowed:
| $10,000.00 | < mo. late:
| 0
( 0% )
| 700-720
(Dec-2007)
|
Principal balance:
| $5,486.38 |
1+ mo. late:
| 0
( 0% )
|
Total payments billed:
| 18 | | |
Description
Paying off my credit cards
Purpose of loan:
This loan will be used to credit cards and loans
BillmeLater $2375
Bank of America $2365
HFC $5100
Prosper $5600
I have not missed any payments with present loan and with loan I am slowly diminishing away credit cards
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
416696
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:
| $9,950.00 |
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:
| $450.10 |
|
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.
Borrower's Credit Profile
Prosper score:
| 4 |
First credit line:
| Mar-1994 |
Debt/Income ratio:
| 28% |
Credit score:
| 660-680 (Jul-2009) |
Current / open credit lines:
| 10
/
9 | Employment status: | Full-time employee |
Now delinquent:
| 1 |
Total credit lines:
| 20 | Length of status: | 14y 6m |
Amount delinquent:
| $1,399 |
Revolving credit balance:
| $2,502 |
Occupation: | Other |
Public records last 12m / 10y:
| 0/ 6 |
Bankcard utilization:
| 62% | Stated income: | $50,000-$74,999 |
Delinquencies in last 7y:
| 0 |
Homeownership:
| Yes | | |
Inquiries last 6m:
| 0 | | | | |
Screen name:
| webuyhosts |
Borrower's state:
| Washington |
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.
Prosper Activity
Loan history | Payment history | Credit score history |
Active / total loans:
| 1 / 2 |
On-time:
| 28 ( 100% )
| 660-680 (Latest)
|
Principal borrowed:
| $7,500.00 | < mo. late:
| 0
( 0% )
| 640-660
(Apr-2009)
640-660
(Jan-2008)
700-720
(Nov-2007)
640-660
(Oct-2007)
|
Principal balance:
| $3,018.96 |
1+ mo. late:
| 0
( 0% )
|
Total payments billed:
| 28 | | |
Description
Buying More dedicated servers
Purpose of loan:
To buy dedicated server to have more room for expansion, this loan will allow us to add the server space needed.
My financial situation:
we have had 2 loans with prosper , 1 has been payed off and 1 is half way payed off.
Business expenses are well within line to pay this back . This will let us add server space and have plenty of room for the 2-3 years expansion.
This loan will let us fill one rack , which will give us the room we need . Tahnk you for looking at our loan request.
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
416706
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:
| $9,995.00 |
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:
| $452.13 |
|
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.
Borrower's Credit Profile
Prosper score:
| 5 |
First credit line:
| Oct-1988 |
Debt/Income ratio:
| 15% |
Credit score:
| 700-720 (Jul-2009) |
Current / open credit lines:
| 13
/
12 | Employment status: | Full-time employee |
Now delinquent:
| 0 |
Total credit lines:
| 19 | Length of status: | 10y 6m |
Amount delinquent:
| $0 |
Revolving credit balance:
| $17,015 |
Occupation: | Executive |
Public records last 12m / 10y:
| 0/ 1 |
Bankcard utilization:
| 91% | Stated income: | $100,000+ |
Delinquencies in last 7y:
| 0 |
Homeownership:
| Yes | | |
Inquiries last 6m:
| 1 | | | | |
Screen name:
| carpediem1 |
Borrower's state:
| NewYork |
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.
Prosper Activity
Loan history | Payment history | Credit score history |
Active / total loans:
| 0 / 1 |
On-time:
| 36 ( 100% )
| 700-720 (Latest)
|
Principal borrowed:
| $20,000.00 | < mo. late:
| 0
( 0% )
| 680-700
(Nov-2007)
(Mar-2006)
|
Principal balance:
| $0.00 |
1+ mo. late:
| 0
( 0% )
|
Total payments billed:
| 36 | | |
Description
Pay Off Credit Cards
Proceeds from this loan will be used to pay off credit card debt I incurred to take advantage of an opportunity to buy products below wholesale from a supplier going out of business.This loan will replace that card debt.The High Bank Card utilization percentage is due to those purchases, hence the HR rating. As you can see, I have a 700+ credit score, a paid in full previous loan, and low debt to income ratio(except,of course, that card usage).I anticipate paying off this loan within 24 months or less.I have been in the chemical business for over 20 years.. and started this company 8 years ago.My site, MROCHEM.com is doing well, along with our sales force of 6 salespeople selling to institutional, municipal & industrial accounts. The company has a D & B paydex of 78(out of 80), and is profitable. Of course, I am personally responsible for this loan.As you can see from my previous history, I have 1 loan Paid in Full with Prosper, never late.( that loan, BTW, bought servers & software that contributed to my growth, getting my company to the next level...thank you to all those lenders for that.)As a lender myself, I know how important it is to deal with quality borrowers who make their payments on time.The 1 public record I have is for a disputed(aren't they all?) tax lien in 2001 which I settled & paid in 2003.
I am also the group leader of AAAA Fund America.
Mastercard- 7000
Visa- 2500
interest rates on above range from 25-29.99%,due to recent rate increases(even though I've never been late) by Chase.
I'd rather pay you.
Feel free to contact me regarding any aspect of this listing.
Thank you for your consideration.
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
416708
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:
| D | | |
Term:
| 36 months |
Estimated loss:
| 10.0% | | |
|
Starting lender yield:
| 26.17% |
Starting borrower rate/APR:
| 27.17% / 29.51% |
Starting monthly payment:
| $143.21 |
|
Auction yield range:
| 11.27% - 26.17% |
Estimated loss impact:
| 10.65% | | |
Lender servicing fee:
| 1.00% |
Estimated return:
| 15.52% | | |
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.
Borrower's Credit Profile
Prosper score:
| 8 |
First credit line:
| Sep-1987 |
Debt/Income ratio:
| 19% |
Credit score:
| 660-680 (Jul-2009) |
Current / open credit lines:
| 16
/
13 | Employment status: | Full-time employee |
Now delinquent:
| 1 |
Total credit lines:
| 30 | Length of status: | 2y 1m |
Amount delinquent:
| $750 |
Revolving credit balance:
| $26,798 |
Occupation: | Executive |
Public records last 12m / 10y:
| 0/ 0 |
Bankcard utilization:
| 61% | Stated income: | $50,000-$74,999 |
Delinquencies in last 7y:
| 0 |
Homeownership:
| Yes | | |
Inquiries last 6m:
| 1 | | | | |
Screen name:
| blue-trade-burst |
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.
Description
Paying off Credit Cards to get AC
Purpose of loan:
Paying off credit card to get a AC for my home
My financial situation:
I am a good candidate for this loan because i have a good payment history
Monthly net income: $ 7400
Monthly expenses: $
Housing and Insurance: $ 1500
Car expenses: $ 100
Utilities: $ 175
Phone, cable, internet: $ 225
Food, entertainment: $ 500
Clothing, household expenses $ 250
Credit cards and other loans: $ 450
Other expenses:( DOGS) $ 250
Just recently paid off 90% of my credit cards. Had 1 late payment, that whole card has been paid off. as of 7/3/2009
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
416722
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:
| $25,000.00 |
Prosper Rating:
| HR | | |
Term:
| 36 months |
Estimated loss:
| 18.0% | | |
|
Starting lender yield:
| 17.27% |
Starting borrower rate/APR:
| 18.27% / 20.48% |
Starting monthly payment:
| $907.20 |
|
Auction yield range:
| 17.27% - 17.27% |
Estimated loss impact:
| 18.95% | | |
Lender servicing fee:
| 1.00% |
Estimated return:
| -1.68% | | |
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.
Borrower's Credit Profile
Prosper score:
| 2 |
First credit line:
| May-2004 |
Debt/Income ratio:
| Not calculated |
Credit score:
| 760-780 (Jul-2009) |
Current / open credit lines:
| 9
/
9 | Employment status: | Full-time employee |
Now delinquent:
| 0 |
Total credit lines:
| 11 | Length of status: | 3y 10m |
Amount delinquent:
| $0 |
Revolving credit balance:
| $1,363 |
Occupation: | Other |
Public records last 12m / 10y:
| 0/ 0 |
Bankcard utilization:
| 6% | Stated income: | $25,000-$49,999 |
Delinquencies in last 7y:
| 0 |
Homeownership:
| No | | |
Inquiries last 6m:
| 3 | | | | |
Screen name:
| funds-oracle |
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.
Description
I need to buy a house Foreclosure!
Purpose of loan:
This is my first time buying a home, i've been pending on a short-sale contract for 3 months already, and the closing date is this month, please i need this loan ASAP !
My financial situation:
I am a good candidate for this loan because my debt to credit Ratio is Excellent, i have about 10 credit cards with high credit limits, and yet only one of them have a small balance of about $1400 with my total available credit of $20000, this proves i am responsible enough to pay back any debt.
this loan will be used to purchase my first home, with the monthly payments being paid to this loan instead of a traditional mortgage.
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
416726
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:
| HR | | |
Term:
| 36 months |
Estimated loss:
| 25.0% | | |
|
Starting lender yield:
| 24.00% |
Starting borrower rate/APR:
| 25.00% / 27.31% |
Starting monthly payment:
| $278.32 |
|
Auction yield range:
| 17.27% - 24.00% |
Estimated loss impact:
| 26.38% | | |
Lender servicing fee:
| 1.00% |
Estimated return:
| -2.38% | | |
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.
Borrower's Credit Profile
Prosper score:
| 3 |
First credit line:
| Sep-1991 |
Debt/Income ratio:
| 19% |
Credit score:
| 640-660 (Jul-2009) |
Current / open credit lines:
| 18
/
12 | Employment status: | Full-time employee |
Now delinquent:
| 0 |
Total credit lines:
| 52 | Length of status: | 11y 6m |
Amount delinquent:
| $0 |
Revolving credit balance:
| $208,993 |
Occupation: | Executive |
Public records last 12m / 10y:
| 0/ 0 |
Bankcard utilization:
| 99% | Stated income: | $100,000+ |
Delinquencies in last 7y:
| 0 |
Homeownership:
| Yes | | |
Inquiries last 6m:
| 5 | | | | |
Screen name:
| 851222 |
Borrower's state:
| NewYork |
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.
Description
Paying for College
Purpose of loan:
This loan will be used to?pay for remaining amount of son's tuition
My financial situation:
I am a good candidate for this loan because?Pay all bills on time, never missed a payment
Monthly net income: $ 22,000
Monthly expenses: $ 17,000
Housing: $ 6000
Insurance: $
1000
Car expenses: $
1500
Utilities: $ 300
Phone, cable, internet: $
400
Food, entertainment: $
1500
Clothing, household expenses $
1000
Credit cards and other loans: $ 3300
Other expenses: $ 2000
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
416728
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:
| $9,600.00 |
Prosper Rating:
| HR | | |
Term:
| 36 months |
Estimated loss:
| 25.0% | | |
|
Starting lender yield:
| 22.00% |
Starting borrower rate/APR:
| 23.00% / 25.28% |
Starting monthly payment:
| $371.61 |
|
Auction yield range:
| 17.27% - 22.00% |
Estimated loss impact:
| 26.25% | | |
Lender servicing fee:
| 1.00% |
Estimated return:
| -4.25% | | |
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.
Borrower's Credit Profile
Prosper score:
| 3 |
First credit line:
| Mar-1998 |
Debt/Income ratio:
| 25% |
Credit score:
| 680-700 (Jul-2009) |
Current / open credit lines:
| 14
/
13 | Employment status: | Full-time employee |
Now delinquent:
| 0 |
Total credit lines:
| 55 | Length of status: | 4y 11m |
Amount delinquent:
| $0 |
Revolving credit balance:
| $1,278 |
Occupation: | Professional |
Public records last 12m / 10y:
| 0/ 1 |
Bankcard utilization:
| 24% | Stated income: | $25,000-$49,999 |
Delinquencies in last 7y:
| 0 |
Homeownership:
| Yes | | |
Inquiries last 6m:
| 3 | | | | |
Screen name:
| seekinghelp19 |
Borrower's state:
| Illinois |
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.
Prosper Activity
Loan history | Payment history | Credit score history |
Active / total loans:
| 1 / 1 |
On-time:
| 15 ( 100% )
| 680-700 (Latest)
|
Principal borrowed:
| $1,500.00 | < mo. late:
| 0
( 0% )
| 700-720
(Mar-2008)
|
Principal balance:
| $936.44 |
1+ mo. late:
| 0
( 0% )
|
Total payments billed:
| 15 | | |
Description
Looking to Consolidate some Debt
Purpose of loan:
Consolidate 3 credit cards in an effort to lower the average interest rate of 23%
My financial situation:
I am a good candidate for this loan because I know I can pay this loan back due to my stable job and excellent payment history.
Monthly net income: $ $2200 from my job, $3200 from my husbands
Monthly expenses: $
Housing: $ 778 (includes tax/insurance)
Insurance: $ 150
Car expenses: $ 600
Utilities: $ 280
Phone, cable, internet: $ 60
Food, entertainment: $ 120
Clothing, household expenses $ 100
Credit cards and other loans: $ 800
Other expenses: $ 110
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
416734
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:
| $5,700.00 |
Prosper Rating:
| E | | |
Term:
| 36 months |
Estimated loss:
| 14.0% | | |
|
Starting lender yield:
| 14.27% |
Starting borrower rate/APR:
| 15.27% / 17.44% |
Starting monthly payment:
| $198.35 |
|
Auction yield range:
| 14.27% - 14.27% |
Estimated loss impact:
| 14.61% | | |
Lender servicing fee:
| 1.00% |
Estimated return:
| -0.34% | | |
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.
Borrower's Credit Profile
Prosper score:
| 6 |
First credit line:
| Feb-1996 |
Debt/Income ratio:
| 39% |
Credit score:
| 660-680 (Jul-2009) |
Current / open credit lines:
| 15
/
12 | Employment status: | Full-time employee |
Now delinquent:
| 0 |
Total credit lines:
| 32 | Length of status: | 2y 0m |
Amount delinquent:
| $0 |
Revolving credit balance:
| $28,769 |
Occupation: | Professional |
Public records last 12m / 10y:
| 0/ 0 |
Bankcard utilization:
| 96% | Stated income: | $50,000-$74,999 |
Delinquencies in last 7y:
| 0 |
Homeownership:
| Yes | | |
Inquiries last 6m:
| 1 | | | | |
Screen name:
| magnificent-power |
Borrower's state:
| Indiana |
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.
Description
Buying a Jeep Wrangler!
Purpose of loan:
This loan will be used to Purchase a 1998 Jeep Wrangler Sahara addition, fully loaded with Air, full hard doors, and CD in absolutely mint condition, with only 54,000 original miles on her. The Jeep is black with professional custom work done, this Jeep is absolutely beautiful!
I am buying this Jeep from a Co-worker who needs the money bad and made me a deal I cannot refuse, Jeeps like this in my area are selling no less then $8,000.
My financial situation:
I am a good candidate for this loan because We are not going further into debt I sold both my Arctic Cat ATV's and paid off a $7500 dollar loan so I could purchase this Jeep without going further into debt. Only one toy at a time my friends.
I have already been approved for a loan through a local bank; however I am trying for a better interest rate.
I have never been late for any bills, ever! This is something I hold very high in my life, I always pay on time no matter what.
I have a very stable job that has not been affected by the economy, I bring in over 70K a year; my wife also has a very stable job and brings in 30K a year.
The Jeep would be worth much more then the loan is for so no up side down problems in case I must sell for unforeseen circumstances.
Thank you very much for helping me out.
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
416737
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:
| $10,500.00 |
Prosper Rating:
| C | | |
Term:
| 36 months |
Estimated loss:
| 8.0% | | |
|
Starting lender yield:
| 22.67% |
Starting borrower rate/APR:
| 23.67% / 25.96% |
Starting monthly payment:
| $410.13 |
|
Auction yield range:
| 8.27% - 22.67% |
Estimated loss impact:
| 8.54% | | |
Lender servicing fee:
| 1.00% |
Estimated return:
| 14.13% | | |
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.
Borrower's Credit Profile
Prosper score:
| 8 |
First credit line:
| Jan-1980 |
Debt/Income ratio:
| 57% |
Credit score:
| 720-740 (Jul-2009) |
Current / open credit lines:
| 28
/
25 | Employment status: | Full-time employee |
Now delinquent:
| 0 |
Total credit lines:
| 62 | Length of status: | 10y 9m |
Amount delinquent:
| $0 |
Revolving credit balance:
| $76,974 |
Occupation: | Accountant/CPA |
Public records last 12m / 10y:
| 0/ 0 |
Bankcard utilization:
| 77% | Stated income: | $50,000-$74,999 |
Delinquencies in last 7y:
| 0 |
Homeownership:
| Yes | | |
Inquiries last 6m:
| 1 | | | | |
Screen name:
| moeller02 |
Borrower's state:
| Ohio |
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.
Prosper Activity
Loan history | Payment history | Credit score history |
Active / total loans:
| 1 / 1 |
On-time:
| 17 ( 100% )
| 720-740 (Latest)
|
Principal borrowed:
| $9,900.00 | < mo. late:
| 0
( 0% )
| 680-700
(Jan-2008)
|
Principal balance:
| $5,791.77 |
1+ mo. late:
| 0
( 0% )
|
Total payments billed:
| 17 | | |
Description
Paying off my credit cards
Purpose of loan:
This loan will be used to? Cosolidate credit cards
My financial situation:
I am a good candidate for this loan because?
Monthly net income: $ 6,750
Monthly expenses: $
Housing: $ 1,162
Insurance: $ 88
Car expenses: $ 213
Utilities: $ 175
Phone, cable, internet: $ 90
Food, entertainment: $ 400
Clothing, household expenses $ 100
Credit cards and other loans: $ 600
Other expenses: $
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
416741
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:
| $4,600.00 |
Prosper Rating:
| HR | | |
Term:
| 36 months |
Estimated loss:
| 18.0% | | |
|
Starting lender yield:
| 20.07% |
Starting borrower rate/APR:
| 21.07% / 23.32% |
Starting monthly payment:
| $173.47 |
|
Auction yield range:
| 17.27% - 20.07% |
Estimated loss impact:
| 19.13% | | |
Lender servicing fee:
| 1.00% |
Estimated return:
| 0.94% | | |
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.
Borrower's Credit Profile
Prosper score:
| 4 |
First credit line:
| Sep-1988 |
Debt/Income ratio:
| 20% |
Credit score:
| 660-680 (Jul-2009) |
Current / open credit lines:
| 10
/
8 | Employment status: | Full-time employee |
Now delinquent:
| 4 |
Total credit lines:
| 65 | Length of status: | 25y 7m |
Amount delinquent:
| $37,151 |
Revolving credit balance:
| $15,898 |
Occupation: | Postal Service |
Public records last 12m / 10y:
| 0/ 0 |
Bankcard utilization:
| 94% | Stated income: | $50,000-$74,999 |
Delinquencies in last 7y:
| 61 |
Homeownership:
| Yes | | |
Inquiries last 6m:
| 1 | | | | |
Screen name:
| mnman1 |
Borrower's state:
| Minnesota |
Borrower's group:
| BORROWERS - Free instant Listings - LARGEST GROUP |
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.
Prosper Activity
Loan history | Payment history | Credit score history |
Active / total loans:
| 1 / 1 |
On-time:
| 10 ( 100% )
| 660-680 (Latest)
|
Principal borrowed:
| $1,000.00 | < mo. late:
| 0
( 0% )
| 640-660
(Sep-2008)
620-640
(Jun-2008)
|
Principal balance:
| $771.00 |
1+ mo. late:
| 0
( 0% )
|
Total payments billed:
| 10 | | |
Description
Debt consolidation
Purpose of loan:
This loan will be used to? I'm building up my credit rating with prosper, while also paying off higher interest credit cards.
My financial situation:
I am a good candidate for this loan because? i've been at my job 25 years, and I sold my house in May. I now rent an efficiency apartment for 400 a month. While it is true overtime at work has slowed, my living expenses have decreased considerably.
Monthly net income: $ 3600
Monthly expenses: $
Housing: $ 400
Insurance: $
Car expenses: $ insurance, 90 per month
Utilities: $ 0
Phone, cable, internet: $ 0
Food, entertainment: $ 300
Clothing, household expenses $ 50
Credit cards and other loans: $ 835
Other expenses: $
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
416744
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:
| D | | |
Term:
| 36 months |
Estimated loss:
| 10.0% | | |
|
Starting lender yield:
| 23.17% |
Starting borrower rate/APR:
| 24.17% / 26.46% |
Starting monthly payment:
| $235.93 |
|
Auction yield range:
| 11.27% - 23.17% |
Estimated loss impact:
| 10.57% | | |
Lender servicing fee:
| 1.00% |
Estimated return:
| 12.60% | | |
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.
Borrower's Credit Profile
Prosper score:
| 8 |
First credit line:
| Mar-2005 |
Debt/Income ratio:
| 19% |
Credit score:
| 680-700 (Jul-2009) |
Current / open credit lines:
| 11
/
11 | Employment status: | Full-time employee |
Now delinquent:
| 0 |
Total credit lines:
| 13 | Length of status: | 0y 3m |
Amount delinquent:
| $0 |
Revolving credit balance:
| $26,664 |
Occupation: | Social Worker |
Public records last 12m / 10y:
| 0/ 0 |
Bankcard utilization:
| 77% | Stated income: | $25,000-$49,999 |
Delinquencies in last 7y:
| 0 |
Homeownership:
| No | | |
Inquiries last 6m:
| 1 | | | | |
Screen name:
| hope-matrix8 |
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.
Description
Wedding
Purpose of loan:
This loan will be used to pay for our dream wedding! Me and my fiance have been together for 7 years and have been waiting for this day for a very long time! We want to get married this September, but do have the funds available as of yet to do so. My fiance is a substitute teacher but teaches almost everyday and is completely his teaching credential and master's in education. I have my BA in psychology and am a caseworker, as well as working on my Master's in Clinical Psychology. We are both hard working, and have been waiting to get married for financial reasons but we are really tired of waiting. We want to officially start our lives together as husband and wife.
My financial situation:
I am a good candidate for this loan because I have a good credit score and pay my bills on time. I have very reliable income, and have a full time salary paid job. I am very responsible.
Monthly net income: $ 2400
Monthly expenses: $
Housing: $ 800
Insurance: $
Car expenses: $ 100
Utilities: $ 200
Phone, cable, internet: $ 100
Food, entertainment: $ 50
Clothing, household expenses $ 100
Credit cards and other loans: $ 100
Other expenses: $
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
416746
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:
| $7,500.00 |
Prosper Rating:
| HR | | |
Term:
| 36 months |
Estimated loss:
| 25.0% | | |
|
Starting lender yield:
| 17.27% |
Starting borrower rate/APR:
| 18.27% / 20.48% |
Starting monthly payment:
| $272.16 |
|
Auction yield range:
| 17.27% - 17.27% |
Estimated loss impact:
| 25.95% | | |
Lender servicing fee:
| 1.00% |
Estimated return:
| -8.68% | | |
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.
Borrower's Credit Profile
Prosper score:
| 3 |
First credit line:
| Nov-2004 |
Debt/Income ratio:
| 26% |
Credit score:
| 620-640 (Jul-2009) |
Current / open credit lines:
| 16
/
12 | Employment status: | Full-time employee |
Now delinquent:
| 0 |
Total credit lines:
| 21 | Length of status: | 0y 5m |
Amount delinquent:
| $0 |
Revolving credit balance:
| $4,351 |
Occupation: | Other |
Public records last 12m / 10y:
| 0/ 0 |
Bankcard utilization:
| 62% | Stated income: | $25,000-$49,999 |
Delinquencies in last 7y:
| 0 |
Homeownership:
| No | | |
Inquiries last 6m:
| 5 | | | | |
Screen name:
| PAYANDCLOSE |
Borrower's state:
| Massachusetts |
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.
Prosper Activity
Loan history | Payment history | Credit score history |
Active / total loans:
| 1 / 1 |
On-time:
| 12 ( 100% )
| 620-640 (Latest)
|
Principal borrowed:
| $7,500.00 | < mo. late:
| 0
( 0% )
| 620-640
(Jun-2008)
520-540
(Jul-2007)
|
Principal balance:
| $5,353.57 |
1+ mo. late:
| 0
( 0% )
|
Total payments billed:
| 12 | | |
Description
Payoff prosper loan&moving expenses
PAYING OFF PREVIOUS PROSPER LOAN & MOVING DEBT
I moved to Boston to take a better job with higher pay in January 2009. Previously I had been working at Wachovia Bank as a Financial Specialist. My base salary is $46,000.00 annually (NOT including bonuses), previously I was at $41,500 with NO room for career growth.
I was working as a Financial Specialist, given the economy, I decided it was time to get back into traditional banking.
I have never been late on ANY bill, ever, and have been out on my own since I was 18. I have been very disciplined when it comes to my finances, the only mistake I have made is choosing the credit cards with high interest rates and digging a financial hole for myself. I'm ready to get out of it, but I need your help:
Please help me refinance my existing prosper loan (as well as some of the debt incurred while moving). Since my credit score has improved, I believe I can do better on the rate.
Monthly expenses:
Housing: $ 0 - living with husband
Insurance: $ 90.00 (geico car ins premium)
Car expenses: 174.00 (down from $
348.65 - paid down car loan and refinanced at lower rate)
Utilities: $250
Phone: ZERO - PAID BY EMPLOYER
Credit cards and other loans: zero, excluding proposed prosper loan!
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
416748
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:
| E | | |
Term:
| 36 months |
Estimated loss:
| 14.7% | | |
|
Starting lender yield:
| 34.00% |
Starting borrower rate/APR:
| 35.00% / 39.15% |
Starting monthly payment:
| $45.24 |
|
Auction yield range:
| 14.27% - 34.00% |
Estimated loss impact:
| 16.27% | | |
Lender servicing fee:
| 1.00% |
Estimated return:
| 17.73% | | |
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.
Borrower's Credit Profile
Prosper score:
| 9 |
First credit line:
| Jan-2006 |
Debt/Income ratio:
| 22% |
Credit score:
| 600-620 (Jul-2009) |
Current / open credit lines:
| 10
/
9 | Employment status: | Full-time employee |
Now delinquent:
| 0 |
Total credit lines:
| 16 | Length of status: | 1y 2m |
Amount delinquent:
| $0 |
Revolving credit balance:
| $5,581 |
Occupation: | Laborer |
Public records last 12m / 10y:
| 0/ 0 |
Bankcard utilization:
| 82% | Stated income: | $25,000-$49,999 |
Delinquencies in last 7y:
| 0 |
Homeownership:
| No | | |
Inquiries last 6m:
| 2 | | | | |
Screen name:
| rilesemo |
Borrower's state:
| Ohio |
Borrower's group:
| Der Polka Verein (The Polka Club) |
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.
Prosper Activity
Loan history | Payment history | Credit score history |
Active / total loans:
| 1 / 1 |
On-time:
| 16 ( 100% )
| 600-620 (Latest)
|
Principal borrowed:
| $1,000.00 | < mo. late:
| 0
( 0% )
| 580-600
(Feb-2008)
600-620
(Jul-2007)
520-540
(Apr-2007)
520-540
(Mar-2007)
|
Principal balance:
| $272.94 |
1+ mo. late:
| 0
( 0% )
|
Total payments billed:
| 16 | | |
Description
Left foot, Right foot
Steadily making improvements.
Every thing stat wise has improves since my first loan.My first loan is at 272 and change.
(except maybe inquires, i have been calling my credit companies trying to get better rates and benefits.)Still rated a as a E. I have never missed a payment on any of my credit accounts nor have i had any other issues.
I am not going to BS a budget it changes from month to month. I would like to see a better rate this time around. I don't need this loan but it would help. If the rate is terrible i will refuse the loan.
I have been around since october 06.I am a lender on a few loans. This would be my second loan. Feel free to contact me. I will respond depending on relevance and merit.
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
416753
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:
| $25,000.00 |
Prosper Rating:
| D | | |
Term:
| 36 months |
Estimated loss:
| 10.0% | | |
|
Starting lender yield:
| 26.17% |
Starting borrower rate/APR:
| 27.17% / 29.51% |
Starting monthly payment:
| $1,022.91 |
|
Auction yield range:
| 11.27% - 26.17% |
Estimated loss impact:
| 10.65% | | |
Lender servicing fee:
| 1.00% |
Estimated return:
| 15.52% | | |
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.
Borrower's Credit Profile
Prosper score:
| 7 |
First credit line:
| Sep-2005 |
Debt/Income ratio:
| 27% |
Credit score:
| 740-760 (Jul-2009) |
Current / open credit lines:
| 7
/
5 | Employment status: | Full-time employee |
Now delinquent:
| 0 |
Total credit lines:
| 8 | Length of status: | 2y 9m |
Amount delinquent:
| $0 |
Revolving credit balance:
| $2,652 |
Occupation: | Engineer - Electric... |
Public records last 12m / 10y:
| 0/ 0 |
Bankcard utilization:
| 8% | Stated income: | $50,000-$74,999 |
Delinquencies in last 7y:
| 0 |
Homeownership:
| No | | |
Inquiries last 6m:
| 0 | | | | |
Screen name:
| investment-magnolia |
Borrower's state:
| Washington |
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.
Description
Paying off property taxes
Purpose of loan:
My in laws are 1 day - 1week on the verge of losing everything they have.
My parents in law have run into financial trouble and they need $100k to pay off their property taxes otherwise the government will seize everything including their entire property worth $3m.
Problem is they are in Korea where declaring bankruptcy is essentially a legal notice to the government that they can do whatever they want. It is nothing more than handing over everything they own to the government.
They are in retirement and were planning to sell the property but the problem is they are being forced to pay 100k+ up front.
My financial situation:
I am a good candidate for this loan because?
My in laws have the cash for interest in their bank account. The only problem is the lump sum of 100k.
My wife and I have a steady job, I also make side income through my internet business. I'll also be taking on another part time job.
I also have money in my 401k that can be taken out.
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
416756
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:
| $22,500.00 |
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:
| $1,017.81 |
|
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.
Borrower's Credit Profile
Prosper score:
| 5 |
First credit line:
| Oct-1996 |
Debt/Income ratio:
| 66% |
Credit score:
| 740-760 (Jul-2009) |
Current / open credit lines:
| 9
/
8 | Employment status: | Full-time employee |
Now delinquent:
| 0 |
Total credit lines:
| 22 | Length of status: | 10y 11m |
Amount delinquent:
| $0 |
Revolving credit balance:
| $5,553 |
Occupation: | Construction |
Public records last 12m / 10y:
| 0/ 0 |
Bankcard utilization:
| 33% | Stated income: | $25,000-$49,999 |
Delinquencies in last 7y:
| 0 |
Homeownership:
| Yes | | |
Inquiries last 6m:
| 0 | | | | |
Screen name:
| shagginatsos |
Borrower's state:
| NorthCarolina |
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.
Prosper Activity
Loan history | Payment history | Credit score history |
Active / total loans:
| 1 / 1 |
On-time:
| 21 ( 100% )
| 740-760 (Latest)
|
Principal borrowed:
| $5,000.00 | < mo. late:
| 0
( 0% )
| 740-760
(Jun-2008)
740-760
(Aug-2007)
|
Principal balance:
| $2,290.86 |
1+ mo. late:
| 0
( 0% )
|
Total payments billed:
| 21 | | |
Description
Purchasing an established business
Purpose of loan:
This loan will be used to?purchase a business in my community that has been established for 32 years and has never closed down. It is a conveniant store with a grill inside and gas punps. I only live two miles from the store so i have been around it all my life. I have viewed all the paper work on the business and it is very profitable. It was run by one man for 27 years then he got sick and two sisters bought it and they cannot get along in business together.
If you help me get this loan it will be profit for both of us.
My financial situation:
I am a good candidate for this loan because?i have recieved one loan from prosper and have made all payments as agreed for three years and intend to do the same on this one.
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
416758
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:
| $7,400.00 |
Prosper Rating:
| C | | |
Term:
| 36 months |
Estimated loss:
| 6.5% | | |
|
Starting lender yield:
| 20.05% |
Starting borrower rate/APR:
| 21.05% / 23.30% |
Starting monthly payment:
| $278.99 |
|
Auction yield range:
| 8.27% - 20.05% |
Estimated loss impact:
| 6.97% | | |
Lender servicing fee:
| 1.00% |
Estimated return:
| 13.08% | | |
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.
Borrower's Credit Profile
Prosper score:
| 9 |
First credit line:
| Jul-1992 |
Debt/Income ratio:
| 45% |
Credit score:
| 660-680 (Jul-2009) |
Current / open credit lines:
| 13
/
13 | Employment status: | Full-time employee |
Now delinquent:
| 0 |
Total credit lines:
| 66 | Length of status: | 9y 11m |
Amount delinquent:
| $0 |
Revolving credit balance:
| $33,961 |
Occupation: | Analyst |
Public records last 12m / 10y:
| 0/ 1 |
Bankcard utilization:
| 56% | Stated income: | $75,000-$99,999 |
Delinquencies in last 7y:
| 33 |
Homeownership:
| Yes | | |
Inquiries last 6m:
| 0 | | | | |
Screen name:
| happyhousehunter |
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.
Prosper Activity
Loan history | Payment history | Credit score history |
Active / total loans:
| 1 / 1 |
On-time:
| 15 ( 100% )
| 660-680 (Latest)
|
Principal borrowed:
| $11,500.00 | < mo. late:
| 0
( 0% )
| 700-720
(Mar-2008)
|
Principal balance:
| $7,585.53 |
1+ mo. late:
| 0
( 0% )
|
Total payments billed:
| 15 | | |
Description
Starting a College Planning Biz!
Purpose of loan:
This loan will be used to start a college planning business. I have extensive experience in this field starting with 3 year appointment as an undergradute to the College Board's Student Advisory Committee. After this appointment, I began my 10 year tenure as a UCLA Financial Aid Counselor. I counseled over 10,000 students/families in that time and for the last 4 years, I was promoted to the position of Financial Aid Outreach Director in charge of all financial aid trainings and presentations. I am also currently being mentored by Ron Caruthers who is the Nation's premier College Planner.
My financial situation:
I am a good candidate for this loan because i continue to work as LA County's Department of Public Health's planner and I'm actually making a little over $96,000 annually. I plan to continue this job until my college planning business is well established!
Monthly net income: $ 8,020
Monthly expenses: $3.863
Housing: $ 1370
Insurance: $ 339
Car expenses: $575
Utilities: $ 60
Phone, cable, internet: $ 120
Food, entertainment: $ 200
Clothing, household expenses $ 150
Credit cards and other loans: $ 1049
Other expenses: $
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
416760
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:
| $15,000.00 |
Prosper Rating:
| C | | |
Term:
| 36 months |
Estimated loss:
| 8.5% | | |
|
Starting lender yield:
| 14.00% |
Starting borrower rate/APR:
| 15.00% / 17.17% |
Starting monthly payment:
| $519.98 |
|
Auction yield range:
| 8.27% - 14.00% |
Estimated loss impact:
| 8.81% | | |
Lender servicing fee:
| 1.00% |
Estimated return:
| 5.19% | | |
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.
Borrower's Credit Profile
Prosper score:
| 5 |
First credit line:
| Sep-2000 |
Debt/Income ratio:
| 23% |
Credit score:
| 780-800 (Jul-2009) |
Current / open credit lines:
| 10
/
8 | Employment status: | Full-time employee |
Now delinquent:
| 0 |
Total credit lines:
| 28 | Length of status: | 1y 7m |
Amount delinquent:
| $0 |
Revolving credit balance:
| $482 |
Occupation: | Professional |
Public records last 12m / 10y:
| 0/ 0 |
Bankcard utilization:
| 1% | Stated income: | $25,000-$49,999 |
Delinquencies in last 7y:
| 0 |
Homeownership:
| No | | |
Inquiries last 6m:
| 2 | | | | |
Screen name:
| merciful-wealth |
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.
Description
New roof for a new life
Purpose of loan:
This loan will be used to?
purchase and repair a small, simple house that will become a home. The big bank has approved most of the money I'll need, but it falls short of what the house needs to be livable. These funds will be used to fill in the gaps in closing costs and to fully rehabilitate the roof. After a few estimates, it's become clear that the entire thing needs to be torn off. To be honest, hearing a contractor say, "wow," was not what I expected. This may seem like a small loan to some, but to me, it will be the little help that makes all the difference.
My financial situation:
I am a good candidate for this loan because?
I have a good job with a small firm, excellent credit, a strong work ethic, and a puppy named Brooklyn. I don't carry credit card debt & understand what it means to save up for the things that are wanted, not needed. Most importantly, I am not alone. With your help, I'll be able to propose to my girlfriend of three years. We'll have a home of our own and the foundation (sorry, pun) to build a life on. I'm applying for a long term, but expect to pay it off much sooner. She & I have a plan, and we can make this work. In two short years, she'll be an RN, and I'll have finished my MBA. You can count on us to be true to our word and honor our debts. You have my word.
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
416763
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:
| HR | | |
Term:
| 36 months |
Estimated loss:
| 18.0% | | |
|
Starting lender yield:
| 34.00% |
Starting borrower rate/APR:
| 35.00% / 37.45% |
Starting monthly payment:
| $90.47 |
|
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.
Borrower's Credit Profile
Prosper score:
| 4 |
First credit line:
| Feb-2000 |
Debt/Income ratio:
| Not calculated |
Credit score:
| 640-660 (Jul-2009) |
Current / open credit lines:
| 22
/
20 | Employment status: | Part-time employee |
Now delinquent:
| 0 |
Total credit lines:
| 29 | Length of status: | 0y 11m |
Amount delinquent:
| $0 |
Revolving credit balance:
| $10,545 |
Occupation: | Teacher |
Public records last 12m / 10y:
| 0/ 0 |
Bankcard utilization:
| 21% | Stated income: | $1-$24,999 |
Delinquencies in last 7y:
| 0 |
Homeownership:
| No | | |
Inquiries last 6m:
| 10 | | | | |
Screen name:
| payout-brigade7 |
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.
Description
Paying off my credit cards
Purpose of loan:
This loan will be used to help pay bills. I do not currently have any acquired debt. I am a very reliable person. I currently work as a part-time tutor because I can't find a job in my field of study. I have a masters degree but with the economy, I am struggling to pay bills. I have been using my savings account as a means to pay my bills since I had to take a pay cut. My savings account has dwindled. I don't want to go into debt so that's why I need the loan. I need help paying for rent, an unexpected medical bill, and 2 unexpected plane trips due to a family emergency.
My financial situation:
I am a good candidate for this loan because I am a reliable person. I will pay whatever amount back. Please help!
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
416774
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:
| $24,000.00 |
Prosper Rating:
| C | | |
Term:
| 36 months |
Estimated loss:
| 6.2% | | |
|
Starting lender yield:
| 8.27% |
Starting borrower rate/APR:
| 9.27% / 11.37% |
Starting monthly payment:
| $766.21 |
|
Auction yield range:
| 8.27% - 8.27% |
Estimated loss impact:
| 6.36% | | |
Lender servicing fee:
| 1.00% |
Estimated return:
| 1.91% | | |
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.
Borrower's Credit Profile
Prosper score:
| 5 |
First credit line:
| Sep-1987 |
Debt/Income ratio:
| 40% |
Credit score:
| 800-820 (Jul-2009) |
Current / open credit lines:
| 22
/
13 | Employment status: | Full-time employee |
Now delinquent:
| 0 |
Total credit lines:
| 59 | Length of status: | 15y 3m |
Amount delinquent:
| $0 |
Revolving credit balance:
| $52,304 |
Occupation: | Professional |
Public records last 12m / 10y:
| 0/ 0 |
Bankcard utilization:
| 48% | Stated income: | $75,000-$99,999 |
Delinquencies in last 7y:
| 0 |
Homeownership:
| Yes | | |
Inquiries last 6m:
| 3 | | | | |
Screen name:
| quwan1965 |
Borrower's state:
| Alaska |
Borrower's group:
| Government Employees |
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.
Prosper Activity
Loan history | Payment history | Credit score history |
Active / total loans:
| 1 / 1 |
On-time:
| 31 ( 100% )
| 800-820 (Latest)
|
Principal borrowed:
| $4,000.00 | < mo. late:
| 0
( 0% )
| 820-840
(Oct-2006)
820-840
(Sep-2006)
|
Principal balance:
| $627.48 |
1+ mo. late:
| 0
( 0% )
|
Total payments billed:
| 31 | | |
Description
Debt/Loan Payment
Hello Lenders, Sorry for the re-list, but I decided to try again and I am back and ready to go.I am following what other has asked for me to do. I am a hard working, responsible individual and I am requesting a consolidation loan again because I haven?t reached 100% funding yet, but I?m not giving up. It has been over a year since I destroyed all of my credit cards, I?m tired of credit card debt. I also have 1 loan that is small but need to be paid off. I have been at my job for over 15 years. My divorce was final 11 years ago and I was the one that got all the bills, I have never defaulted on a loan. I am a single parent with 3 sons, (2 in College and 1 in junior high school). I am employed with the FAA as an Air Traffic Controller. I want to change my financial future and take charge of my debt levels. I have been carrying high balances on a few credit cards and I want to change that now! I have never defaulted on a loan. My mortgage and credit cards (which I have since cut up) have always been paid on time. I have not missed one (1) payment on my credit cards or my loans. I can verify this if needed. My total monthly inflows (after taxes) are $6,822.00 and my outflows are around $5,000. Amount left over to go toward Prosper loan: $1,500.00-$1,822.00. This leaves me plenty to attack this debt full force. Bottom line: If you bid on my loan, you will be getting a very strong Borrower that has never been late on any payments (check my history) , if you require any other information, please email me.I would appreciate any help available to meet my goals. I AM TRYING TO INCREASE THE INTEREST RATE BUT PROSPER WILL NOT LET ME.
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
416777
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:
| $15,000.00 |
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:
| $678.54 |
|
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.
Borrower's Credit Profile
Prosper score:
| 3 |
First credit line:
| Jan-1999 |
Debt/Income ratio:
| 31% |
Credit score:
| 780-800 (Jul-2009) |
Current / open credit lines:
| 9
/
7 | Employment status: | Full-time employee |
Now delinquent:
| 0 |
Total credit lines:
| 19 | Length of status: | 3y 11m |
Amount delinquent:
| $0 |
Revolving credit balance:
| $15,319 |
Occupation: | Scientist |
Public records last 12m / 10y:
| 0/ 0 |
Bankcard utilization:
| 68% | Stated income: | $50,000-$74,999 |
Delinquencies in last 7y:
| 0 |
Homeownership:
| Yes | | |
Inquiries last 6m:
| 4 | | | | |
Screen name:
| reasonable-fairness |
Borrower's state:
| Virginia |
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.
Description
Pay off my credit cards
Purpose of loan:
This loan will be used to? I want to pay off my credit cards and put money towards my daughters school so that she can be finish nursing school.
My financial situation:
I am a good candidate for this loan because? I have a good credit rating and an excellent history of paying off bills on time. I am a full time employee of the government for the last 19 years and will continue to work for the federal government until I retire in 10 years.
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
416781
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:
| C | | |
Term:
| 36 months |
Estimated loss:
| 8.5% | | |
|
Starting lender yield:
| 14.00% |
Starting borrower rate/APR:
| 15.00% / 17.17% |
Starting monthly payment:
| $242.66 |
|
Auction yield range:
| 8.27% - 14.00% |
Estimated loss impact:
| 8.81% | | |
Lender servicing fee:
| 1.00% |
Estimated return:
| 5.19% | | |
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.
Borrower's Credit Profile
Prosper score:
| 4 |
First credit line:
| Mar-1995 |
Debt/Income ratio:
| Self-employed (DTI Not Calculated) |
Credit score:
| 760-780 (Jul-2009) |
Current / open credit lines:
| 12
/
12 | Employment status: | Self-employed |
Now delinquent:
| 0 |
Total credit lines:
| 24 | Length of status: | 6y 3m |
Amount delinquent:
| $0 |
Revolving credit balance:
| $2,768 |
Occupation: | Computer Programmer |
Public records last 12m / 10y:
| 0/ 0 |
Bankcard utilization:
| 2% | Stated income: | $75,000-$99,999 |
Delinquencies in last 7y:
| 0 |
Homeownership:
| Yes | | |
Inquiries last 6m:
| 2 | | | | |
Screen name:
| Mysticdreamfactory |
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.
Prosper Activity
Loan history | Payment history | Credit score history |
Active / total loans:
| 1 / 1 |
On-time:
| 12 ( 100% )
| 760-780 (Latest)
|
Principal borrowed:
| $14,500.00 | < mo. late:
| 0
( 0% )
| 780-800
(Jul-2008)
|
Principal balance:
| $0.00 |
1+ mo. late:
| 0
( 0% )
|
Total payments billed:
| 12 | | |
Description
Debt Consolidation
Purpose of loan: This loan will be used to? Pay off high interest loan on dental work for my wife(4000.00) and to payoff a high interest loan on our living room furniture.
My financial situation: I am a good candidate for this loan because? My credit score is 757 I have never missed a payment on anything. Between my wife and myself we take home $7500.00 a month..
Below is a breakdown of our monthly expenses
Auto Loan $500.00
Mortgage(insurance, property tax) $1665
Utilities $225
credit card $350
Gas for car $200
Cable/Internet $109.00
Cell $110.00
Grocery $400.00
Auto Insurance $123.00
Entertainment $150.00
Total=3879.00
I have already payed off one 15,000 prosper loan in a years time.
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
416783
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:
| HR | | |
Term:
| 36 months |
Estimated loss:
| 34.5% | | |
|
Starting lender yield:
| 19.00% |
Starting borrower rate/APR:
| 20.00% / 22.24% |
Starting monthly payment:
| $371.64 |
|
Auction yield range:
| 17.27% - 19.00% |
Estimated loss impact:
| 35.56% | | |
Lender servicing fee:
| 1.00% |
Estimated return:
| -16.56% | | |
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.
Borrower's Credit Profile
Prosper score:
| 1 |
First credit line:
| Dec-1999 |
Debt/Income ratio:
| 38% |
Credit score:
| 680-700 (Jul-2009) |
Current / open credit lines:
| 18
/
12 | Employment status: | Full-time employee |
Now delinquent:
| 0 |
Total credit lines:
| 50 | Length of status: | 9y 0m |
Amount delinquent:
| $0 |
Revolving credit balance:
| $22,771 |
Occupation: | Medical Technician |
Public records last 12m / 10y:
| 0/ 0 |
Bankcard utilization:
| 79% | Stated income: | $25,000-$49,999 |
Delinquencies in last 7y:
| 0 |
Homeownership:
| Yes | | |
Inquiries last 6m:
| 9 | | | | |
Screen name:
| worth-allocator |
Borrower's state:
| Colorado |
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.
Description
paying off my credit cards
Purpose of loan:
This loan will be used to pay off my discovery and capital one card?
My financial situation:
I am a good candidate for this loan because i pay my bills on time and i really locking in the future to borrow more when i pay off this one. Me and my husband have good income and we are able to pay monthly payment?
Monthly net income: $
6200
Monthly expenses: $
Housing: $
1075
Insurance: $
100
Car expenses: $
450
Utilities: $
100
Phone, cable, internet: $
100
Food, entertainment: $
400
Clothing, household expenses $
Credit cards and other loans: $
1000
Other expenses: $
200
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
416786
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:
| D | | |
Term:
| 36 months |
Estimated loss:
| 10.0% | | |
|
Starting lender yield:
| 16.00% |
Starting borrower rate/APR:
| 17.00% / 19.20% |
Starting monthly payment:
| $356.53 |
|
Auction yield range:
| 11.27% - 16.00% |
Estimated loss impact:
| 10.37% | | |
Lender servicing fee:
| 1.00% |
Estimated return:
| 5.63% | | |
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.
Borrower's Credit Profile
Prosper score:
| 7 |
First credit line:
| Mar-1991 |
Debt/Income ratio:
| 13% |
Credit score:
| 680-700 (Jul-2009) |
Current / open credit lines:
| 14
/
11 | Employment status: | Full-time employee |
Now delinquent:
| 0 |
Total credit lines:
| 45 | Length of status: | 18y 6m |
Amount delinquent:
| $0 |
Revolving credit balance:
| $34,082 |
Occupation: | Professional |
Public records last 12m / 10y:
| 0/ 0 |
Bankcard utilization:
| 73% | Stated income: | $100,000+ |
Delinquencies in last 7y:
| 0 |
Homeownership:
| No | | |
Inquiries last 6m:
| 0 | | | | |
Screen name:
| maxion |
Borrower's state:
| Colorado |
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.
Prosper Activity
Loan history | Payment history | Credit score history |
Active / total loans:
| 1 / 1 |
On-time:
| 11 ( 100% )
| 680-700 (Latest)
|
Principal borrowed:
| $2,800.00 | < mo. late:
| 0
( 0% )
| 700-720
(Jul-2008)
|
Principal balance:
| $2,059.34 |
1+ mo. late:
| 0
( 0% )
|
Total payments billed:
| 11 | | |
Description
Paying my son's college
Purpose of loan:
This loan will be used to pay my share of my son's first year at Milwaukee School of Engineering
My financial situation:
I am a good candidate for this loan because I just got a promotion at work along with a substantial pay increase.
Monthly net income: $
14,224
Monthly expenses: $
Housing: $
1450
Insurance: $
130
Car expenses: $
265
Utilities: $
300
Phone, cable, internet: $
44.95
Food, entertainment: $
500
Clothing, household expenses $
100
Credit cards and other loans: $
700
Other expenses: $
250
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
416791
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:
| E | | |
Term:
| 36 months |
Estimated loss:
| 14.0% | | |
|
Starting lender yield:
| 30.48% |
Starting borrower rate/APR:
| 31.48% / 33.88% |
Starting monthly payment:
| $86.53 |
|
Auction yield range:
| 14.27% - 30.48% |
Estimated loss impact:
| 15.40% | | |
Lender servicing fee:
| 1.00% |
Estimated return:
| 15.08% | | |
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.
Borrower's Credit Profile
Prosper score:
| 6 |
First credit line:
| May-1991 |
Debt/Income ratio:
| 15% |
Credit score:
| 660-680 (Jul-2009) |
Current / open credit lines:
| 6
/
6 | Employment status: | Retired |
Now delinquent:
| 0 |
Total credit lines:
| 21 | Length of status: | 2y 9m |
Amount delinquent:
| $0 |
Revolving credit balance:
| $4,247 | Stated income: | $1-$24,999 |
Public records last 12m / 10y:
| 0/ 1 |
Bankcard utilization:
| 98% | |
Delinquencies in last 7y:
| 1 |
Homeownership:
| Yes | | |
Inquiries last 6m:
| 1 | | | | |
Screen name:
| maillady60 |
Borrower's state:
| Illinois |
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.
Prosper Activity
Loan history | Payment history | Credit score history |
Active / total loans:
| 1 / 1 |
On-time:
| 16 ( 100% )
| 660-680 (Latest)
|
Principal borrowed:
| $2,000.00 | < mo. late:
| 0
( 0% )
| 660-680
(Feb-2008)
|
Principal balance:
| $1,135.66 |
1+ mo. late:
| 0
( 0% )
|
Total payments billed:
| 16 | | |
Description
paying off a payday loan and card
Purpose of loan:
This loan will be used to?pay off a credit card that has raised interest rates six times since i took it out a year ago.
My financial situation:
I am a good candidate for this loan because? i have few bills
Monthly net income: $ 1807.
Monthly expenses: $
Housing: $ 676.
Insurance: $ 40.
Car expenses: $ 80.
Utilities: $ 230.
Phone, cable, internet: $ 70.
Food, entertainment: $ 160.
Clothing, household expenses $
Credit cards and other loans: $ 99.
Other expenses: $
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
416794
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:
| $4,500.00 |
Prosper Rating:
| HR | | |
Term:
| 36 months |
Estimated loss:
| 34.5% | | |
|
Starting lender yield:
| 34.00% |
Starting borrower rate/APR:
| 35.00% / 37.45% |
Starting monthly payment:
| $203.56 |
|
Auction yield range:
| 17.27% - 34.00% |
Estimated loss impact:
| 36.51% | | |
Lender servicing fee:
| 1.00% |
Estimated return:
| -2.51% | | |
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.
Borrower's Credit Profile
Prosper score:
| 1 |
First credit line:
| Sep-1989 |
Debt/Income ratio:
| Self-employed (DTI Not Calculated) |
Credit score:
| 640-660 (Jul-2009) |
Current / open credit lines:
| 8
/
6 | Employment status: | Self-employed |
Now delinquent:
| 1 |
Total credit lines:
| 26 | Length of status: | 15y 9m |
Amount delinquent:
| $2,457 |
Revolving credit balance:
| $960 |
Occupation: | Professional |
Public records last 12m / 10y:
| 0/ 6 |
Bankcard utilization:
| 18% | Stated income: | $50,000-$74,999 |
Delinquencies in last 7y:
| 20 |
Homeownership:
| No | | |
Inquiries last 6m:
| 5 | | | | |
Screen name:
| bold-currency-financier |
Borrower's state:
| SouthDakota |
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.
Description
Buy communter vehicle for work
Purpose of loan:
This loan will be used to? a gas saving vehicle to use as a commuter vehicle for work
My financial situation:
I am a good candidate for this loan because? I have worked very hard to rebuild my credit. I have credit cards and a vehicle loan in very good standing. I have paid off my home in 5 years early and own it outright.
Monthly net income: $ 3,500
Monthly expenses: $
Housing: $ 0
Insurance: $ 500.00
Car expenses: $ 350.00
Utilities: $ 175.00
Phone, cable, internet: $ 100.00
Food, entertainment: $ 400.00
Clothing, household expenses $ 150.00
Credit cards and other loans: $ 150.00
Other expenses: $ 500.00
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
416798
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:
| HR | | |
Term:
| 36 months |
Estimated loss:
| 25.0% | | |
|
Starting lender yield:
| 34.00% |
Starting borrower rate/APR:
| 35.00% / 37.45% |
Starting monthly payment:
| $226.18 |
|
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.
Borrower's Credit Profile
Prosper score:
| 2 |
First credit line:
| Aug-1981 |
Debt/Income ratio:
| Not calculated |
Credit score:
| 640-660 (Jul-2009) |
Current / open credit lines:
| 2
/
1 | Employment status: | Full-time employee |
Now delinquent:
| 0 |
Total credit lines:
| 39 | Length of status: | 16y 10m |
Amount delinquent:
| $0 |
Revolving credit balance:
| $0 |
Occupation: | Administrative Assi... |
Public records last 12m / 10y:
| 0/ 1 |
Bankcard utilization:
| 0% | Stated income: | $25,000-$49,999 |
Delinquencies in last 7y:
| 1 |
Homeownership:
| No | | |
Inquiries last 6m:
| 3 | | | | |
Screen name:
| the-multiplier1 |
Borrower's state:
| NewJersey |
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.
Description
Wedding Funds
Purpose of loan:
This loan will be used to contribute for my daughter's wedding.
My financial situation:
I am a good candidate for this loan because I have a steady job and will not miss a payment.
Monthly net income: $ 2,600.00
Monthly expenses: $
Housing: $ 1,550.00
Insurance: $ 125.00
Car expenses: I purchased a second-hand car and it's paid off.
Utilities: $ 75.00
Phone, cable, internet: Each of my children owned up to the responsibility!
Food, entertainment: $ 200.00
Clothing, household expenses $ 50.00
Credit cards and other loans: $ 00.00
Other expenses: $ 00.00
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
416800
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:
| AA | | |
Term:
| 36 months |
Estimated loss:
| 1.5% | | |
|
Starting lender yield:
| 7.52% |
Starting borrower rate/APR:
| 8.52% / 10.61% |
Starting monthly payment:
| $221.04 |
|
Auction yield range:
| 3.27% - 7.52% |
Estimated loss impact:
| 1.50% | | |
Lender servicing fee:
| 1.00% |
Estimated return:
| 6.02% | | |
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.
Borrower's Credit Profile
Prosper score:
| 6 |
First credit line:
| Mar-1998 |
Debt/Income ratio:
| 2% |
Credit score:
| 860-880 (Jul-2009) |
Current / open credit lines:
| 10
/
8 | Employment status: | Full-time employee |
Now delinquent:
| 0 |
Total credit lines:
| 18 | Length of status: | 7y 11m |
Amount delinquent:
| $0 |
Revolving credit balance:
| $3,202 |
Occupation: | Analyst |
Public records last 12m / 10y:
| 0/ 0 |
Bankcard utilization:
| 4% | Stated income: | $100,000+ |
Delinquencies in last 7y:
| 0 |
Homeownership:
| Yes | | |
Inquiries last 6m:
| 6 | | | | |
Screen name:
| fund-prospector |
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.
Description
Roof Repair
Purpose of loan:
This loan will be used to?
make a few repairs in the roof of a home that I've purchased.
My financial situation:
I am a good candidate for this loan because?I'm never late on payments.
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
416803
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:
| $15,000.00 |
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:
| $678.54 |
|
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.
Borrower's Credit Profile
Prosper score:
| 4 |
First credit line:
| Mar-1984 |
Debt/Income ratio:
| 6% |
Credit score:
| 700-720 (Jul-2009) |
Current / open credit lines:
| 6
/
6 | Employment status: | Full-time employee |
Now delinquent:
| 0 |
Total credit lines:
| 24 | Length of status: | 5y 6m |
Amount delinquent:
| $0 |
Revolving credit balance:
| $5,714 |
Occupation: | Professional |
Public records last 12m / 10y:
| 0/ 0 |
Bankcard utilization:
| 30% | Stated income: | $100,000+ |
Delinquencies in last 7y:
| 12 |
Homeownership:
| No | | |
Inquiries last 6m:
| 5 | | | | |
Screen name:
| Wild84Cats |
Borrower's state:
| California |
Borrower's group:
| Northwestern University |
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.
Description
Bathrooms and Kitchen Remodel
Purpose of loan:
This loan will be used to?remodel two bathrooms and a kitchen in a newly purchased home.
My financial situation:
I am a good candidate for this loan because?I am a long term government employee (higherr education) with a good credit background
Monthly net income: $ 12750
Monthly expenses: $
Housing: $ 2400
Insurance: $ 150
Car expenses: $ 150
Utilities: $ 150
Phone, cable, internet: $ 75
Food, entertainment: $ 400
Clothing, household expenses $ 150
Credit cards and other loans: $ 150
Other expenses: $ 300
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
416807
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:
| E | | |
Term:
| 36 months |
Estimated loss:
| 14.0% | | |
|
Starting lender yield:
| 34.00% |
Starting borrower rate/APR:
| 35.00% / 37.45% |
Starting monthly payment:
| $90.47 |
|
Auction yield range:
| 14.27% - 34.00% |
Estimated loss impact:
| 15.57% | | |
Lender servicing fee:
| 1.00% |
Estimated return:
| 18.43% | | |
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.
Borrower's Credit Profile
Prosper score:
| 6 |
First credit line:
| Apr-1963 |
Debt/Income ratio:
| 118% |
Credit score:
| 640-660 (Jul-2009) |
Current / open credit lines:
| 10
/
9 | Employment status: | Full-time employee |
Now delinquent:
| 0 |
Total credit lines:
| 39 | Length of status: | 19y 0m |
Amount delinquent:
| $0 |
Revolving credit balance:
| $28,734 |
Occupation: | Nurse (RN) |
Public records last 12m / 10y:
| 0/ 0 |
Bankcard utilization:
| 82% | Stated income: | $25,000-$49,999 |
Delinquencies in last 7y:
| 0 |
Homeownership:
| No | | |
Inquiries last 6m:
| 2 | | | | |
Screen name:
| kindness-keeper |
Borrower's state:
| Illinois |
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.
Description
Helping Grandaughter With College
Purpose of loan:
This loan will be used to help my grandaughter with some college expenses.
My financial situation:
I am a good candidate for this loan because I have never been late or had any delinquent payments. I have a solid credit history and I take my finances seriously. In addition, I have had a good solid job as a registered nurse and I also currently teach classes to certify LPN's. I have been in my home for the past 40 years, and I own my home free and clear of any mortgage. I live out in the country on our family farm, and I also own several thousand acres of farmland.
I would like to take a loan out with Prosper to help my oldest grandaughter with her college expenses. She is the first grandaughter to attend college, and I am very proud of her as she has worked very hard. She would like to become a physical therapist, and she is needing some assistance with some extra expenses with school, ie., books, room and board, etc.
Thank you Prosper for helping me help my grandaughter.
Monthly net income: $ 2800
Monthly expenses: $ 1170
Housing: $ 0 No Mortgage Payment
Insurance: $ 40
Car expenses: $200
Utilities: $ 55
Phone, cable, internet: $ 25
Food, entertainment: $ 100
Clothing, household expenses $ 100
Credit cards and other loans: $ 650
Other expenses: $ 0
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
416809
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:
| 23.17% |
Starting borrower rate/APR:
| 24.17% / 26.46% |
Starting monthly payment:
| $78.64 |
|
Auction yield range:
| 11.27% - 23.17% |
Estimated loss impact:
| 10.57% | | |
Lender servicing fee:
| 1.00% |
Estimated return:
| 12.60% | | |
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.
Borrower's Credit Profile
Prosper score:
| 7 |
First credit line:
| Jul-2000 |
Debt/Income ratio:
| 29% |
Credit score:
| 680-700 (Jul-2009) |
Current / open credit lines:
| 8
/
8 | Employment status: | Full-time employee |
Now delinquent:
| 3 |
Total credit lines:
| 24 | Length of status: | 15y 4m |
Amount delinquent:
| $0 |
Revolving credit balance:
| $5,466 |
Occupation: | Clerical |
Public records last 12m / 10y:
| 0/ 1 |
Bankcard utilization:
| 101% | Stated income: | $50,000-$74,999 |
Delinquencies in last 7y:
| 4 |
Homeownership:
| Yes | | |
Inquiries last 6m:
| 1 | | | | |
Screen name:
| bigred05167 |
Borrower's state:
| Minnesota |
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.
Prosper Activity
Loan history | Payment history | Credit score history |
Active / total loans:
| 1 / 1 |
On-time:
| 23 ( 100% )
| 680-700 (Latest)
|
Principal borrowed:
| $1,500.00 | < mo. late:
| 0
( 0% )
| 600-620
(Jun-2008)
640-660
(Jul-2007)
640-660
(Jun-2006)
|
Principal balance:
| $624.86 |
1+ mo. late:
| 0
( 0% )
|
Total payments billed:
| 23 | | |
Description
New Carpet
Purpose of loan:
We are looking to replace our old, worn out carpet.
My financial situation:
I have been with my job for 15 years and make a good income. My husband is also employed full-time. We pay all of our bills on time and have been working hard to improve our credit scores. They are better that they have been in years. 4 years ago we filed a chapter 13 debt consolidation. It was a 5 year plan and we paid it off 2 years early at 100%. We have had a small Prosper Loan of $1500.00 for nearly 2 years and have an impeccable record. This $2000.00 loan will allow us to replace our carpet and get our daughters braces before school starts (insurance pays most of it). The debt-to-income ratio on the listing is misleading since my husbands credit and income is not on the listing and I can't figure out how to add it. While my credit report shows some late payments in the past 7 years- there is nothing currently late and I have not had a late payment or missed a payment in the last 3 years. Both my husband and myself have worked hard to improve our credit ratings. Since 2006 my rating has gone from under 600 to almost 700. So we are on the right track. Monthly net income: $ 6071.00
Monthly expenses: $
Housing: $ 1468
Insurance: $ 200.00
Car expenses: $ 724.00
Utilities: $ 200.00
Phone, cable, internet: $ 125.00
Food, entertainment: $ 400.00
Clothing, household expenses $ 400.00
Credit cards and other loans: $ 70.00
Other expenses: $
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
416822
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:
| $25,000.00 |
Prosper Rating:
| AA | | |
Term:
| 36 months |
Estimated loss:
| 1.5% | | |
|
Starting lender yield:
| 12.50% |
Starting borrower rate/APR:
| 13.50% / 15.65% |
Starting monthly payment:
| $848.38 |
|
Auction yield range:
| 3.27% - 12.50% |
Estimated loss impact:
| 1.52% | | |
Lender servicing fee:
| 1.00% |
Estimated return:
| 10.98% | | |
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.
Borrower's Credit Profile
Prosper score:
| 7 |
First credit line:
| Mar-1995 |
Debt/Income ratio:
| 61% |
Credit score:
| 860-880 (Jul-2009) |
Current / open credit lines:
| 16
/
15 | Employment status: | Full-time employee |
Now delinquent:
| 0 |
Total credit lines:
| 26 | Length of status: | 13y 9m |
Amount delinquent:
| $0 |
Revolving credit balance:
| $23,680 |
Occupation: | Professional |
Public records last 12m / 10y:
| 0/ 0 |
Bankcard utilization:
| 11% | Stated income: | $25,000-$49,999 |
Delinquencies in last 7y:
| 0 |
Homeownership:
| Yes | | |
Inquiries last 6m:
| 0 | | | | |
Screen name:
| established-note |
Borrower's state:
| Minnesota |
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.
Description
paying bills for special needs chil
Purpose of loan:
This loan will be used to? pay off debt incurred by high priced child care for my child with special needs.
My financial situation:
I am a good candidate for this loan because? my child is now in school full time (summers also) and I am able to work more consistent hours. I have been employed by the same company for over 13 years and my position is secure.
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
416824
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:
| $8,000.00 |
Prosper Rating:
| HR | | |
Term:
| 36 months |
Estimated loss:
| 25.0% | | |
|
Starting lender yield:
| 18.00% |
Starting borrower rate/APR:
| 19.00% / 21.22% |
Starting monthly payment:
| $293.25 |
|
Auction yield range:
| 17.27% - 18.00% |
Estimated loss impact:
| 26.00% | | |
Lender servicing fee:
| 1.00% |
Estimated return:
| -8.00% | | |
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.
Borrower's Credit Profile
Prosper score:
| 3 |
First credit line:
| Jun-1994 |
Debt/Income ratio:
| 14% |
Credit score:
| 660-680 (Jul-2009) |
Current / open credit lines:
| 10
/
9 | Employment status: | Full-time employee |
Now delinquent:
| 0 |
Total credit lines:
| 45 | Length of status: | 17y 7m |
Amount delinquent:
| $0 |
Revolving credit balance:
| $54,131 |
Occupation: | Civil Service |
Public records last 12m / 10y:
| 0/ 0 |
Bankcard utilization:
| 97% | Stated income: | $100,000+ |
Delinquencies in last 7y:
| 0 |
Homeownership:
| Yes | | |
Inquiries last 6m:
| 2 | | | | |
Screen name:
| JAYKAZZ |
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.
Prosper Activity
Loan history | Payment history | Credit score history |
Active / total loans:
| 0 / 1 |
On-time:
| 8 ( 80% )
| 660-680 (Latest)
|
Principal borrowed:
| $16,391.00 | < mo. late:
| 2
( 20% )
| 680-700
(Oct-2007)
|
Principal balance:
| $0.00 |
1+ mo. late:
| 0
( 0% )
|
Total payments billed:
| 10 | | |
Description
Consolidate Credit Card Debt
Hi and thanks for looking at my listing. The purpose of this loan is to pay off two high interest credit cards:
Infibank??? - $5809
Chase - $2179
I have been employed by the same agency for over 17 years and plan on staying for many more. I make a good income but I would like to eliminate credit card debt I have
accumulated with a 3 year plan. With your help I can make this happen. My credit is good and I have never defaulted on any loans. Once again, thanks for looking.
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
416829
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:
| $2,200.00 |
Prosper Rating:
| D | | |
Term:
| 36 months |
Estimated loss:
| 10.0% | | |
|
Starting lender yield:
| 14.75% |
Starting borrower rate/APR:
| 15.75% / 17.93% |
Starting monthly payment:
| $77.07 |
|
Auction yield range:
| 11.27% - 14.75% |
Estimated loss impact:
| 10.33% | | |
Lender servicing fee:
| 1.00% |
Estimated return:
| 4.42% | | |
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.
Borrower's Credit Profile
Prosper score:
| 7 |
First credit line:
| Jan-2002 |
Debt/Income ratio:
| 32% |
Credit score:
| 640-660 (Jul-2009) |
Current / open credit lines:
| 18
/
16 | Employment status: | Full-time employee |
Now delinquent:
| 0 |
Total credit lines:
| 25 | Length of status: | 5y 10m |
Amount delinquent:
| $0 |
Revolving credit balance:
| $7,134 |
Occupation: | Professional |
Public records last 12m / 10y:
| 0/ 0 |
Bankcard utilization:
| 24% | Stated income: | $25,000-$49,999 |
Delinquencies in last 7y:
| 0 |
Homeownership:
| No | | |
Inquiries last 6m:
| 3 | | | | |
Screen name:
| meowloki |
Borrower's state:
| Nebraska |
Borrower's group:
| 440+ Supporting Lenders. Get FUNDED @ LOWER % than ANY group |
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.
Prosper Activity
Loan history | Payment history | Credit score history |
Active / total loans:
| 1 / 1 |
On-time:
| 13 ( 100% )
| 640-660 (Latest)
|
Principal borrowed:
| $4,999.00 | < mo. late:
| 0
( 0% )
| 580-600
(May-2008)
|
Principal balance:
| $3,702.05 |
1+ mo. late:
| 0
( 0% )
|
Total payments billed:
| 13 | | |
Description
Paying off 401k loan
Purpose of loan:
This loan will be used to? Pay off my 401k loan,
My financial situation:
I am a good candidate for this loan because? I have already had one prosper loan that is in good standing. I will be using part of this to pay off the current Prosper loan that I allready have. I plan on paying this off within a 12month period. Thanks for you consideration :) I have been employed at the same job for almost 6 years. The credit inquires are due to a car dealership that "shot gunned" my credit, to find me the best rate so they say.
Monthly net income: $ 3000
Monthly expenses: $
Housing: $ 400
Insurance: $
Car expenses: $ 350
Utilities: $ 75
Phone, cable, internet: $ 50
Food, entertainment: $
Clothing, household expenses $
Credit cards and other loans: $
Other expenses: $
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
416830
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:
| HR | | |
Term:
| 36 months |
Estimated loss:
| 25.0% | | |
|
Starting lender yield:
| 34.00% |
Starting borrower rate/APR:
| 35.00% / 37.45% |
Starting monthly payment:
| $452.36 |
|
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.
Borrower's Credit Profile
Prosper score:
| 2 |
First credit line:
| Sep-1998 |
Debt/Income ratio:
| Self-employed (DTI Not Calculated) |
Credit score:
| 680-700 (Jul-2009) |
Current / open credit lines:
| 16
/
7 | Employment status: | Self-employed |
Now delinquent:
| 0 |
Total credit lines:
| 28 | Length of status: | 0y 3m |
Amount delinquent:
| $0 |
Revolving credit balance:
| $14,040 |
Occupation: | Construction |
Public records last 12m / 10y:
| 0/ 0 |
Bankcard utilization:
| 100% | Stated income: | $50,000-$74,999 |
Delinquencies in last 7y:
| 0 |
Homeownership:
| No | | |
Inquiries last 6m:
| 1 | | | | |
Screen name:
| wonderful-responsibility |
Borrower's state:
| NewMexico |
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.
Description
New Business
Purpose of loan:
This loan will be used as upfront money for already awarded contracts.
y financial situation:
I am a good candidate for this loan because I have already been awarded contracts and am just needing the help to get started.
Utilities: $
Phone, cable, internet: $
Food, entertainment: $
Clothing, household expenses $
Credit cards and other loans: $
Other expenses: $
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
416836
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:
| $5,750.00 |
Prosper Rating:
| B | | |
Term:
| 36 months |
Estimated loss:
| 5.0% | | |
|
Starting lender yield:
| 12.97% |
Starting borrower rate/APR:
| 13.97% / 16.13% |
Starting monthly payment:
| $196.44 |
|
Auction yield range:
| 6.27% - 12.97% |
Estimated loss impact:
| 5.22% | | |
Lender servicing fee:
| 1.00% |
Estimated return:
| 7.75% | | |
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.
Borrower's Credit Profile
Prosper score:
| 8 |
First credit line:
| Oct-2002 |
Debt/Income ratio:
| 21% |
Credit score:
| 720-740 (Jul-2009) |
Current / open credit lines:
| 10
/
9 | Employment status: | Full-time employee |
Now delinquent:
| 0 |
Total credit lines:
| 15 | Length of status: | 6y 10m |
Amount delinquent:
| $0 |
Revolving credit balance:
| $6,110 |
Occupation: | Other |
Public records last 12m / 10y:
| 0/ 0 |
Bankcard utilization:
| 21% | Stated income: | $1-$24,999 |
Delinquencies in last 7y:
| 0 |
Homeownership:
| Yes | | |
Inquiries last 6m:
| 1 | | | | |
Screen name:
| intrepid-dough |
Borrower's state:
| Texas |
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.
Description
Consolidate my Debts
Purpose of loan:
This loan will be used to pay off 2 credit cards and a student loan that over the years have acummulated a balance that I have been unable to pay due to my financial situation.
My financial situation:
I am a good candidate for this loan because I am very accountable when it comes to paying any of my bills on time. If you check my credit report you can see that I have never once missed a payment in any of my credit cards nor student loans.
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
416838
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:
| E | | |
Term:
| 36 months |
Estimated loss:
| 14.0% | | |
|
Starting lender yield:
| 34.00% |
Starting borrower rate/APR:
| 35.00% / 37.45% |
Starting monthly payment:
| $542.83 |
|
Auction yield range:
| 14.27% - 34.00% |
Estimated loss impact:
| 15.57% | | |
Lender servicing fee:
| 1.00% |
Estimated return:
| 18.43% | | |
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.
Borrower's Credit Profile
Prosper score:
| 6 |
First credit line:
| Jun-1991 |
Debt/Income ratio:
| 33% |
Credit score:
| 640-660 (Jul-2009) |
Current / open credit lines:
| 14
/
14 | Employment status: | Full-time employee |
Now delinquent:
| 0 |
Total credit lines:
| 30 | Length of status: | 7y 3m |
Amount delinquent:
| $0 |
Revolving credit balance:
| $22,701 |
Occupation: | Car Dealer |
Public records last 12m / 10y:
| 0/ 0 |
Bankcard utilization:
| 81% | Stated income: | $100,000+ |
Delinquencies in last 7y:
| 0 |
Homeownership:
| Yes | | |
Inquiries last 6m:
| 2 | | | | |
Screen name:
| debtcar |
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.
Prosper Activity
Loan history | Payment history | Credit score history |
Active / total loans:
| 1 / 2 |
On-time:
| 30 ( 100% )
| 640-660 (Latest)
|
Principal borrowed:
| $12,000.00 | < mo. late:
| 0
( 0% )
| 660-680
(Apr-2008)
660-680
(Nov-2006)
|
Principal balance:
| $2,423.87 |
1+ mo. late:
| 0
( 0% )
|
Total payments billed:
| 30 | | |
Description
3rd loan from members
Hello Again!
Well prosper members itn the last few years i have had 2 loand with prosper,
and this will be my 3rd (part of this will pay off the second.)
My last loan moved us forward on completion of a house project. And we are picketfence America. Thanks to Prosper
Now, I would like to finish up the downstairs. I have been in my home for 10 years., and it will be the last home we will ever have.
I have been with My company for over 8 years and in the same line off work for 16 years. And, Now that my youngest is older, My wife will be starting a new job in sep. Married for 15 years.
I have kept working throught the tough times, and made every payment I owed. But trying to get and equity line has been a pain.
Almost every credit line I had, was reduced to current balance. As I'm sure You may have heard of happening. It crushed my score. And I make my payments! I didn't go house crazy despite My income I just learned about moderation. But, I'm still put in the middle of an unfinished project.
I will use these funds to finish up the basement and pay down some other bills. and when the mortgage world loosens up I will pay off this loan.
I have paid off a $7500 loan and we will be paying off my current prosper loan.
Step up make some $$ for yourself and i will follow through with my end.
Thank you for your consideration.
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
416839
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:
| $2,308.00 |
Prosper Rating:
| A | | |
Term:
| 36 months |
Estimated loss:
| 2.1% | | |
|
Starting lender yield:
| 6.72% |
Starting borrower rate/APR:
| 7.72% / 9.80% |
Starting monthly payment:
| $72.03 |
|
Auction yield range:
| 4.27% - 6.72% |
Estimated loss impact:
| 2.11% | | |
Lender servicing fee:
| 1.00% |
Estimated return:
| 4.61% | | |
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.
Borrower's Credit Profile
Prosper score:
| 8 |
First credit line:
| Oct-1995 |
Debt/Income ratio:
| 5% |
Credit score:
| 780-800 (Jul-2009) |
Current / open credit lines:
| 12
/
10 | Employment status: | Full-time employee |
Now delinquent:
| 2 |
Total credit lines:
| 26 | Length of status: | 0y 0m |
Amount delinquent:
| $1,100 |
Revolving credit balance:
| $7,814 |
Occupation: | Computer Programmer |
Public records last 12m / 10y:
| 0/ 0 |
Bankcard utilization:
| 8% | Stated income: | $100,000+ |
Delinquencies in last 7y:
| 0 |
Homeownership:
| Yes | | |
Inquiries last 6m:
| 4 | | | | |
Screen name:
| mk408 |
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.
Prosper Activity
Loan history | Payment history | Credit score history |
Active / total loans:
| 1 / 2 |
On-time:
| 21 ( 100% )
| 780-800 (Latest)
|
Principal borrowed:
| $8,989.00 | < mo. late:
| 0
( 0% )
| 800-820
(Apr-2008)
800-820
(Sep-2007)
|
Principal balance:
| $2,419.80 |
1+ mo. late:
| 0
( 0% )
|
Total payments billed:
| 21 | | |
Description
Blending
I've got a F&F loan I'd like to take the cash out of, and mostly to test out the new lender interface.
My financial situation:
I have an excellent credit rating, and with good reason. I know how to be frugal, and I am diligent in my personal accounting and payments. I pay my credit cards in full. I have a substantial savings, in liquid accounts, retirement accounts, automobiles, and my primary residence.
DQs are bogus, which I'm contesting. (1 is a county trying to extort money with a red light camera. The other is Verizon, who can't do, let alone provide, proper accounting to save their lives.)
Monthly net income: $ 8050
Monthly expenses: $ 6430
Housing (mortgage, prop tax, less deductible portion): $ 3100
Insurance: $
550
Car expenses: $ 1100
Utilities: $
100
Phone, cable, internet: $
175
Food, entertainment: $ 690
Clothing, household expenses $
180
Credit cards and other loans: $ 160
Other expenses: $ 275
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
416851
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:
| HR | | |
Term:
| 36 months |
Estimated loss:
| 18.0% | | |
|
Starting lender yield:
| 17.27% |
Starting borrower rate/APR:
| 18.27% / 20.48% |
Starting monthly payment:
| $127.01 |
|
Auction yield range:
| 17.27% - 17.27% |
Estimated loss impact:
| 18.95% | | |
Lender servicing fee:
| 1.00% |
Estimated return:
| -1.68% | | |
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.
Borrower's Credit Profile
Prosper score:
| 5 |
First credit line:
| Feb-1993 |
Debt/Income ratio:
| 38% |
Credit score:
| 660-680 (Jul-2009) |
Current / open credit lines:
| 23
/
11 | Employment status: | Full-time employee |
Now delinquent:
| 0 |
Total credit lines:
| 34 | Length of status: | 17y 1m |
Amount delinquent:
| $0 |
Revolving credit balance:
| $18,472 |
Occupation: | Military Enlisted |
Public records last 12m / 10y:
| 0/ 0 |
Bankcard utilization:
| 93% | Stated income: | $50,000-$74,999 |
Delinquencies in last 7y:
| 0 |
Homeownership:
| No | | |
Inquiries last 6m:
| 1 | | | | |
Screen name:
| social-investor |
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.
Prosper Activity
Loan history | Payment history | Credit score history |
Active / total loans:
| 1 / 1 |
On-time:
| 10 ( 100% )
| 660-680 (Latest)
|
Principal borrowed:
| $7,000.00 | < mo. late:
| 0
( 0% )
| 660-680
(Aug-2008)
|
Principal balance:
| $5,367.40 |
1+ mo. late:
| 0
( 0% )
|
Total payments billed:
| 10 | | |
Description
paying off my credit cards
I'm paying off a high interest credit card. I'm Active Duty Airforce and have been in the service for 17 years. I want to stop paying these outragous intrest rates banks are charging now days. I plan on paying about 350 a month. I am married as well and we manage our money very well, but it's time to get ahead and think about the future.
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
416872
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:
| $13,000.00 |
Prosper Rating:
| B | | |
Term:
| 36 months |
Estimated loss:
| 5.0% | | |
|
Starting lender yield:
| 13.00% |
Starting borrower rate/APR:
| 14.00% / 16.16% |
Starting monthly payment:
| $444.31 |
|
Auction yield range:
| 6.27% - 13.00% |
Estimated loss impact:
| 5.22% | | |
Lender servicing fee:
| 1.00% |
Estimated return:
| 7.78% | | |
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.
Borrower's Credit Profile
Prosper score:
| 8 |
First credit line:
| Sep-1993 |
Debt/Income ratio:
| 37% |
Credit score:
| 740-760 (Jul-2009) |
Current / open credit lines:
| 15
/
15 | Employment status: | Full-time employee |
Now delinquent:
| 0 |
Total credit lines:
| 75 | Length of status: | 3y 2m |
Amount delinquent:
| $0 |
Revolving credit balance:
| $175,577 |
Occupation: | Attorney |
Public records last 12m / 10y:
| 0/ 0 |
Bankcard utilization:
| 91% | Stated income: | $100,000+ |
Delinquencies in last 7y:
| 0 |
Homeownership:
| Yes | | |
Inquiries last 6m:
| 0 | | | | |
Screen name:
| ebonyivy |
Borrower's state:
| Maryland |
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.
Prosper Activity
Loan history | Payment history | Credit score history |
Active / total loans:
| 1 / 1 |
On-time:
| 14 ( 100% )
| 740-760 (Latest)
|
Principal borrowed:
| $18,000.00 | < mo. late:
| 0
( 0% )
| 760-780
(May-2008)
|
Principal balance:
| $11,733.58 |
1+ mo. late:
| 0
( 0% )
|
Total payments billed:
| 14 | | |
Description
High interest credit card
This loan will be used to pay off a high interest credit card. I have a credit card at 17% interest. I am a good candidate for this loan because both my husband and I have great, stable (federal government) jobs with great pay (my husband and I make approximately $198,000 together). I have a current prosper loan and have paid on time for over one year now. I pay all of my bills on time, and I am a responsible borrower. I am working my way to be debt free after accumulating debt during law school and an adoption. I have stopped using my credit cards and pay on a cash only basis.
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
416349
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:
| C | | |
Term:
| 36 months |
Estimated loss:
| 8.0% | | |
|
Starting lender yield:
| 19.67% |
Starting borrower rate/APR:
| 20.67% / 22.92% |
Starting monthly payment:
| $262.54 |
|
Auction yield range:
| 8.27% - 19.67% |
Estimated loss impact:
| 8.46% | | |
Lender servicing fee:
| 1.00% |
Estimated return:
| 11.21% | | |
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.
Borrower's Credit Profile
Prosper score:
| 8 |
First credit line:
| Oct-1990 |
Debt/Income ratio:
| 12% |
Credit score:
| 700-720 (Jul-2009) |
Current / open credit lines:
| 8
/
7 | Employment status: | Full-time employee |
Now delinquent:
| 0 |
Total credit lines:
| 22 | Length of status: | 1y 0m |
Amount delinquent:
| $0 |
Revolving credit balance:
| $19,145 |
Occupation: | Tradesman - Electri... |
Public records last 12m / 10y:
| 0/ 0 |
Bankcard utilization:
| 89% | Stated income: | $50,000-$74,999 |
Delinquencies in last 7y:
| 0 |
Homeownership:
| Yes | | |
Inquiries last 6m:
| 0 | | | | |
Screen name:
| Horatio |
Borrower's state:
| Maryland |
Borrower's group:
| BORROWERS - Free instant Listings - LARGEST GROUP |
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.
Prosper Activity
Loan history | Payment history | Credit score history |
Active / total loans:
| 0 / 2 |
On-time:
| 16 ( 100% )
| 700-720 (Latest)
|
Principal borrowed:
| $14,700.00 | < mo. late:
| 0
( 0% )
| 700-720
(Dec-2007)
720-740
(Feb-2007)
|
Principal balance:
| $0.01 |
1+ mo. late:
| 0
( 0% )
|
Total payments billed:
| 16 | | |
Description
Third Prosper loan - Debt conslidat
Purpose of loan:
This loan will be used to pay off higher credit card debt.
My financial situation:
I have about 49% of my pay as disposable income. Bills are paid on time and I am a current lender at Prosper, outstanding loans prior to the rules changing. I have paid off two previous Prosper loans.
Monthly net income: $ 4500 +
Monthly expenses: $ 2302
Housing: $ 344
Insurance: $ 150
Car expenses: $ 60/mo average maintenance
Utilities: $ 255
Phone, cable, internet: $ 120
Food, entertainment: $ 800
Clothing, household expenses $ 100
Credit cards and other loans: $ 373
Other expenses: $ 100
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
416595
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:
| $3,000.00 |
Prosper Rating:
| HR | | |
Term:
| 36 months |
Estimated loss:
| 34.5% | | |
|
Starting lender yield:
| 24.00% |
Starting borrower rate/APR:
| 25.00% / 27.31% |
Starting monthly payment:
| $119.28 |
|
Auction yield range:
| 17.27% - 24.00% |
Estimated loss impact:
| 35.88% | | |
Lender servicing fee:
| 1.00% |
Estimated return:
| -11.88% | | |
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.
Borrower's Credit Profile
Prosper score:
| 1 |
First credit line:
| May-1999 |
Debt/Income ratio:
| 6% |
Credit score:
| 620-640 (Jul-2009) |
Current / open credit lines:
| 3
/
1 | Employment status: | Full-time employee |
Now delinquent:
| 2 |
Total credit lines:
| 21 | Length of status: | 9y 5m |
Amount delinquent:
| $1,513 |
Revolving credit balance:
| $0 |
Occupation: | Clerical |
Public records last 12m / 10y:
| 0/ 0 |
Bankcard utilization:
| 0% | Stated income: | $25,000-$49,999 |
Delinquencies in last 7y:
| 17 |
Homeownership:
| No | | |
Inquiries last 6m:
| 3 | | | | |
Screen name:
| garnetchik |
Borrower's state:
| California |
Borrower's group:
| INVESTAR Lenders |
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.
Prosper Activity
Loan history | Payment history | Credit score history |
Active / total loans:
| 1 / 1 |
On-time:
| 24 ( 100% )
| 620-640 (Latest)
|
Principal borrowed:
| $2,600.00 | < mo. late:
| 0
( 0% )
| 620-640
(May-2009)
600-620
(Jul-2008)
580-600
(Jan-2008)
540-560
(May-2007)
|
Principal balance:
| $899.42 |
1+ mo. late:
| 0
( 0% )
|
Total payments billed:
| 24 | | |
Description
continue path prosper has begun
Purpose of loan: Give Prosper lenders opportunity to replace another of my commercial lenders. A favorable rate here will replace my Dell Financial loan (I could show you a higher credit score if I'd quit closing my credit lines but that's my discipline).
Employment and income: Coming up on 10 years as Administrative Assistant to the Asst Superintendent of the School District. Our school already did their staff cut for the weak economy. That provides extra security for my position. I remain enrolled in the school's health and pre-tax retirement plans but suspended my 403 and 529 contributions to focus on debt.
My financial situation: Being part of the Prosper family has improved my life dramatically. Constructive feedback from lenders led me to become proactive with my finances. Payday and Cash Call are history. I also said goodbye to two loan agencies, three credit card accounts and paid off my credit union loans. I moved other debt to better rates. Since receiving my first Prosper loan two years ago I have reduced my debt from $25,800 to less than $11,000.
Monthly net income: $3,185
Monthly expenses: $2,864
500 Food
25 Clothing
400 Rent, house-share w/parents
200 Rent, storage unit
125 Utilities, my share
255 Phone, internet
10 Carpool, bus fare
140 Insurance memo (School Plan increases July)
200 Child care
185 10% contingency for misc expenses
155 **Capital One (They offered to lower apr from 28.99 to 9.9 if I pay 155 a month now owe 1159)
91 **Capital One (1057 @ 28.99)
75 Dell Financial Services (2,425 @ 28.24)
98 Prosper loan (981 @ 22.49)
35 CitiCard (576 @ 9.9)
95 Aviva (4500 @ 5.5)
275 **extra principal always paid
Monthly cash available: $781
(less expense buffer = 596, less extra on debt = 321)
I appreciate all constructive suggestions or questions you may have. Thank you. (DQ = fiasco with a debt management outfit. Their $85/mo advice nearly ruined me. DQ resulted.)
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
416600
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:
| HR | | |
Term:
| 36 months |
Estimated loss:
| 34.5% | | |
|
Starting lender yield:
| 28.00% |
Starting borrower rate/APR:
| 29.00% / 31.36% |
Starting monthly payment:
| $272.39 |
|
Auction yield range:
| 17.27% - 28.00% |
Estimated loss impact:
| 36.13% | | |
Lender servicing fee:
| 1.00% |
Estimated return:
| -8.13% | | |
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.
Borrower's Credit Profile
Prosper score:
| 1 |
First credit line:
| Feb-1997 |
Debt/Income ratio:
| 30% |
Credit score:
| 600-620 (Jul-2009) |
Current / open credit lines:
| 16
/
16 | Employment status: | Full-time employee |
Now delinquent:
| 0 |
Total credit lines:
| 30 | Length of status: | 10y 3m |
Amount delinquent:
| $0 |
Revolving credit balance:
| $4,435 |
Occupation: | Administrative Assi... |
Public records last 12m / 10y:
| 0/ 0 |
Bankcard utilization:
| 82% | Stated income: | $50,000-$74,999 |
Delinquencies in last 7y:
| 0 |
Homeownership:
| No | | |
Inquiries last 6m:
| 9 | | | | |
Screen name:
| Emajinate |
Borrower's state:
| California |
Borrower's group:
| Have Money - Will Bid |
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.
Prosper Activity
Loan history | Payment history | Credit score history |
Active / total loans:
| 1 / 1 |
On-time:
| 15 ( 100% )
| 600-620 (Latest)
|
Principal borrowed:
| $2,560.00 | < mo. late:
| 0
( 0% )
| 640-660
(May-2009)
520-540
(Mar-2008)
540-560
(May-2007)
|
Principal balance:
| $1,736.75 |
1+ mo. late:
| 0
( 0% )
|
Total payments billed:
| 15 | | |
Description
2nd loan to payoff CashCall
Purpose of loan:
I will be using the loan to consolidate my Prosper Loan and CashCall loan.
My financial situation:
I am a good candidate for this loan because I am dedicated to reducing my debt and improving my credit score. I have made all payments on time, plus I pay $100.00 more a month to CashCall to pay them off sooner. By receiving this loan, I will be able to reduce my monthly debt by $150.00 a month.
The reason for the 9 inquiries, is I am in the process of trying to buy a house and was trying to find the best rate.
Thank you for reviewing my loan request.
Monthly net income: $3,500
Monthly expenses: $2,703
Housing: $800
Insurance: $130
Car expenses: $279
Utilities: $200
Phone, cable, internet: $150
Food, entertainment: $ 400
Clothing, household expenses $75
Credit cards and other loans: $200
CashCall: $254 + 100
Prosper: $115
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
416650
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:
| $2,600.00 |
Prosper Rating:
| C | | |
Term:
| 36 months |
Estimated loss:
| 8.0% | | |
|
Starting lender yield:
| 19.67% |
Starting borrower rate/APR:
| 20.67% / 22.92% |
Starting monthly payment:
| $97.52 |
|
Auction yield range:
| 8.27% - 19.67% |
Estimated loss impact:
| 8.46% | | |
Lender servicing fee:
| 1.00% |
Estimated return:
| 11.21% | | |
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.
Borrower's Credit Profile
Prosper score:
| 8 |
First credit line:
| Nov-1988 |
Debt/Income ratio:
| 20% |
Credit score:
| 700-720 (Jul-2009) |
Current / open credit lines:
| 10
/
10 | Employment status: | Full-time employee |
Now delinquent:
| 0 |
Total credit lines:
| 36 | Length of status: | 8y 11m |
Amount delinquent:
| $0 |
Revolving credit balance:
| $210 |
Occupation: | Teacher |
Public records last 12m / 10y:
| 0/ 0 |
Bankcard utilization:
| 6% | Stated income: | $50,000-$74,999 |
Delinquencies in last 7y:
| 14 |
Homeownership:
| No | | |
Inquiries last 6m:
| 2 | | | | |
Screen name:
| educator4life |
Borrower's state:
| California |
Borrower's group:
| Worldpower Investments |
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.
Prosper Activity
Loan history | Payment history | Credit score history |
Active / total loans:
| 0 / 1 |
On-time:
| 21 ( 100% )
| 700-720 (Latest)
|
Principal borrowed:
| $4,000.00 | < mo. late:
| 0
( 0% )
| 560-580
(Jul-2007)
540-560
(Jun-2007)
540-560
(May-2007)
540-560
(Apr-2007)
|
Principal balance:
| $0.00 |
1+ mo. late:
| 0
( 0% )
|
Total payments billed:
| 21 | | |
Description
Need Help with the Unexpected
Purpose of loan:
It is a wonderful feeling to be able to get ahead but there is always something that happens and gets you behind again. I was able to pay off all of my debt and then I needed car repairs. Car repairs are never inexpensive or timely and so here I am again.
My financial situation:
The main reason that I would be a good candidate for this loan is because I am employed, my check is automatically deposited into my bank account and the loan payment will be deducted directly from my account. I was also able to pay off my previous Prosper Loan in excellent standing.
Monthly net income: $ 4900
Monthly expenses: Housing: $ 1300
Insurance: $ Auto $261/Renters $30/Life $85
Car expenses: $ Car Payment $400/Gas $200
Utilities: $ $320 (Gas, Electricity, Water, Trash)
Phone, cable, internet: $ 170
Food, entertainment: $ 600
Clothing, household expenses $ 200
Credit cards and other loans: $ 300
Other expenses: $ 700
_________________________
Total Expenses: $4566
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
416670
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:
| $15,000.00 |
Prosper Rating:
| HR | | |
Term:
| 36 months |
Estimated loss:
| 18.0% | | |
|
Starting lender yield:
| 23.55% |
Starting borrower rate/APR:
| 24.55% / 26.85% |
Starting monthly payment:
| $592.83 |
|
Auction yield range:
| 17.27% - 23.55% |
Estimated loss impact:
| 19.35% | | |
Lender servicing fee:
| 1.00% |
Estimated return:
| 4.20% | | |
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.
Borrower's Credit Profile
Prosper score:
| 3 |
First credit line:
| Aug-1992 |
Debt/Income ratio:
| Self-employed (DTI Not Calculated) |
Credit score:
| 700-720 (Jul-2009) |
Current / open credit lines:
| 22
/
19 | Employment status: | Self-employed |
Now delinquent:
| 0 |
Total credit lines:
| 40 | Length of status: | 3y 3m |
Amount delinquent:
| $0 |
Revolving credit balance:
| $40,692 |
Occupation: | Other |
Public records last 12m / 10y:
| 0/ 0 |
Bankcard utilization:
| 35% | Stated income: | $25,000-$49,999 |
Delinquencies in last 7y:
| 0 |
Homeownership:
| Yes | | |
Inquiries last 6m:
| 3 | | | | |
Screen name:
| studiodance |
Borrower's state:
| Georgia |
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.
Prosper Activity
Loan history | Payment history | Credit score history |
Active / total loans:
| 1 / 1 |
On-time:
| 14 ( 88% )
| 700-720 (Latest)
|
Principal borrowed:
| $7,000.00 | < mo. late:
| 2
( 13% )
| 740-760
(Sep-2008)
720-740
(Feb-2008)
640-660
(Apr-2007)
|
Principal balance:
| $4,188.34 |
1+ mo. late:
| 0
( 0% )
|
Total payments billed:
| 16 | | |
Description
Funding to continue business growth
Purpose of loan:
I am looking for funding to continue building my business and to consolidate existing loans. I have recently taken over an established, self-sustaining dance studio. In my time as owner (and since my last Prosper loan), we have continued to grow our student base and add to our programming. As part of this development, we have moved into a bigger and better space. With this additional funding from Prosper, we will have the opportunity to do some larger level marketing, retail expansion, and necessary space upgrades, including new mirrors and flooring repairs.
My financial situation:
I'm not clear on why we're listed as "HR", but assume it is based on my income, which is listed as fairly low because we are still in the start-up phase of my business. My husband is an attorney with a successful firm, which provides us with the financial stability needed for this endeavor, but I am not supposed to include his income as my own. We have had 2 Prosper payments that were about a week late, which was due to technical issues with the website and our bank account (not an inability to pay).
My credit score is good, and has only fluctuated due to the effort to acquire new credit lines and sources of funding for my business.
Please note that both my husband and I have stellar records for loan and credit repayment. The business is already self-sustaining, and (despite the economic situation) has experienced continued growth.
My budget for this funding (estimated):
New Inventory for Retail Component: $1000
Additional Marketing for New Programs: $1400
Capital Investments (flooring, mirrors, and signage): $2600
Loan Repayment/Debt Consolidation: $5000
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
416711
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.
Borrower's Credit Profile
Prosper score:
| 4 |
First credit line:
| Jan-1977 |
Debt/Income ratio:
| 27% |
Credit score:
| 640-660 (Jul-2009) |
Current / open credit lines:
| 16
/
15 | Employment status: | Full-time employee |
Now delinquent:
| 3 |
Total credit lines:
| 47 | Length of status: | 35y 10m |
Amount delinquent:
| $4,696 |
Revolving credit balance:
| $37,239 |
Occupation: | Teacher |
Public records last 12m / 10y:
| 0/ 0 |
Bankcard utilization:
| 90% | Stated income: | $75,000-$99,999 |
Delinquencies in last 7y:
| 18 |
Homeownership:
| Yes | | |
Inquiries last 6m:
| 1 | | | | |
Screen name:
| finance-artisan |
Borrower's state:
| Michigan |
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.
Description
Paying off high interest loans
Purpose of loan:
This loan will be used to pay off several high interest loans so that I can begin to rebuild my credit score that was once A+ and not be late on any payments again.
My financial situation:
I am a good candidate for this loan because I am a very responsbile person. I have taught for 30 years and I am a professional musician. When my mother became terminally ill a couple of years ago she had no insurance and needed many medications that I had to pay for. I then could not take care of her while maintaining my job and had to put her in a nursing home until she passed away. I also had to pay for many of the funeral expenses. I don't regret any of it but unfortunately, it began my downhill spiral of financial problems. One loan led to another until I found myself facing high monthly payments and starting to make late payments on bills that I had never been late on before. I have no living relatives at this point that I can turn to for a loan. If I could pay off the high interest loans now, I would no longer be making late payments on everything else.
Monthly net income: $ 3,800
Monthly expenses: $
Housing: $ 837.65
Insurance: $ 128.00
Car expenses: $ 384.00
Utilities: $ 155.00
Phone, cable, internet: $ 114.00
Food, entertainment: $ 500.00
Clothing, household expenses $ 200.00
Credit cards and other loans: $ 1,600.00
Other expenses: $ 600.00
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
416720
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:
| $7,500.00 |
Prosper Rating:
| HR | | |
Term:
| 36 months |
Estimated loss:
| 34.5% | | |
|
Starting lender yield:
| 17.27% |
Starting borrower rate/APR:
| 18.27% / 20.48% |
Starting monthly payment:
| $272.16 |
|
Auction yield range:
| 17.27% - 17.27% |
Estimated loss impact:
| 35.45% | | |
Lender servicing fee:
| 1.00% |
Estimated return:
| -18.18% | | |
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.
Borrower's Credit Profile
Prosper score:
| 1 |
First credit line:
| Nov-1993 |
Debt/Income ratio:
| 21% |
Credit score:
| 640-660 (Jul-2009) |
Current / open credit lines:
| 2
/
2 | Employment status: | Full-time employee |
Now delinquent:
| 1 |
Total credit lines:
| 19 | Length of status: | 0y 6m |
Amount delinquent:
| $50 |
Revolving credit balance:
| $0 |
Occupation: | Sales - Commission |
Public records last 12m / 10y:
| 0/ 0 |
Bankcard utilization:
| 0% | Stated income: | $25,000-$49,999 |
Delinquencies in last 7y:
| 41 |
Homeownership:
| No | | |
Inquiries last 6m:
| 2 | | | | |
Screen name:
| mike_ciglar |
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.
Description
Debt Consolidation
Purpose of loan:
This loan will be used to payback friends and family that I borrowed money from during an unexpected illness. In July 2008 I had an unexpected illness which caused me to be out of work for 6 months until December 2008. Upon returning to my job which I worked for 7 years I was informed the company was shutting down. I quickly found a new job at Bank of America and started in January 2009. Over the last year my savings was depleted due to the unexpected timing of these events. I borrowed money from friends and family to make it though, but now they need the money for their personal needs. I feel it's my duty to try whatever avenues I can to get them their money and take on the debt myself. I tried the normal avenues of traditional banking with no success. Prosper was not lending at the time and I let my friends and family know I would try again once Prosper was able to lend again.
My financial situation:
I am a good candidate for this loan because I'm currently employed working full time 40 hours per week. I have very little debt and my lease for my apartment is up after this month. I've made arrangements to move in with my Brother rent free until I can payback this loan and put money in the bank as savings. Before I became ill I was aggressively paying off all of my bills so I could be debt free. I had everything paid off until the unexpected turn of events happened. I'm taking the right steps to fullfill my financial duties and need short term help to make this happen. I plan on paying this loan back within 12 months but hopefully sooner. After review of my credit, I found out my score is 659 and the $50.00 delinquency is from American Medical Response (ambulance when I went to hospital) and I paid the bill in November of 2008. It was the only bill they sent directly to me. The other bills were sent to insurance who never paid the bill and never told me a bill was due. It still shows delinquent on my credit report. I sent proof to them tonight 07/13/2009 via email that it was paid on 11/24/2008 and can provide proof to you as well.
Monthly net income: $4,000
Monthly expenses: $ 1295.00
Housing: $
0.00 (as of Aug 1st I won't have any rent or mortgage)
Insurance: $
50
Car expenses: $535
Utilities: $
40
Phone, cable, internet: $120.00
Food, entertainment: $ 500 (I've cut out most entertainment)
Clothing, household expenses $
50
Credit cards and other loans: $
0.00
Other expenses: $
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
416721
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:
| HR | | |
Term:
| 36 months |
Estimated loss:
| 18.0% | | |
|
Starting lender yield:
| 34.00% |
Starting borrower rate/APR:
| 35.00% / 37.45% |
Starting monthly payment:
| $226.18 |
|
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.
Borrower's Credit Profile
Prosper score:
| 5 |
First credit line:
| May-1995 |
Debt/Income ratio:
| 17% |
Credit score:
| 660-680 (Jul-2009) |
Current / open credit lines:
| 6
/
5 | Employment status: | Full-time employee |
Now delinquent:
| 3 |
Total credit lines:
| 23 | Length of status: | 28y 3m |
Amount delinquent:
| $15,511 |
Revolving credit balance:
| $17,216 |
Occupation: | Food Service Manage... |
Public records last 12m / 10y:
| 0/ 0 |
Bankcard utilization:
| 85% | Stated income: | $50,000-$74,999 |
Delinquencies in last 7y:
| 8 |
Homeownership:
| No | | |
Inquiries last 6m:
| 0 | | | | |
Screen name:
| skeeter67 |
Borrower's state:
| Illinois |
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.
Prosper Activity
Loan history | Payment history | Credit score history |
Active / total loans:
| 1 / 1 |
On-time:
| 14 ( 100% )
| 660-680 (Latest)
|
Principal borrowed:
| $2,500.00 | < mo. late:
| 0
( 0% )
| 680-700
(May-2008)
|
Principal balance:
| $1,659.64 |
1+ mo. late:
| 0
( 0% )
|
Total payments billed:
| 14 | | |
Description
pay off credit cards
Purpose of loan:
This loan will be used to? pay of cards in 36 months
My financial situation:
I am a good candidate for this loan because? I always pay my bills
Monthly net income: $ 4250
Monthly expenses: $
Housing: $ 350
Insurance: $ 100
Car expenses: $ 471
Utilities: $ 300
Phone, cable, internet: $ 300
Food, entertainment: $ 300
Clothing, household expenses $ 200
Credit cards and other loans: $ 450
Other expenses: $ 300
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
416733
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:
| $25,000.00 |
Prosper Rating:
| HR | | |
Term:
| 36 months |
Estimated loss:
| 34.5% | | |
|
Starting lender yield:
| 34.00% |
Starting borrower rate/APR:
| 35.00% / 37.45% |
Starting monthly payment:
| $1,130.90 |
|
Auction yield range:
| 17.27% - 34.00% |
Estimated loss impact:
| 36.51% | | |
Lender servicing fee:
| 1.00% |
Estimated return:
| -2.51% | | |
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.
Borrower's Credit Profile
Prosper score:
| 1 |
First credit line:
| Aug-2000 |
Debt/Income ratio:
| Self-employed (DTI Not Calculated) |
Credit score:
| 640-660 (Jul-2009) |
Current / open credit lines:
| 1
/
0 | Employment status: | Self-employed |
Now delinquent:
| 0 |
Total credit lines:
| 6 | Length of status: | 10y 4m |
Amount delinquent:
| $0 |
Revolving credit balance:
| $0 |
Occupation: | Other |
Public records last 12m / 10y:
| 0/ 1 |
Bankcard utilization:
| 0% | Stated income: | $50,000-$74,999 |
Delinquencies in last 7y:
| 6 |
Homeownership:
| No | | |
Inquiries last 6m:
| 4 | | | | |
Screen name:
| transaction-investor9 |
Borrower's state:
| Nevada |
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.
Description
Business Growing Need Equipment
Purpose of loan:
This loan will be used to purchase needed equipment to service a great new demand. We started this Pest Control company in March of 1999 in Las Vegas Nevada. The goal has been to "get in" to the Hotel/Casino market. The problem has been the large pest companies are looked upon as being able to provide the service the purchasing department thinks the property needs. I have found the solution! I met with the inventor of a ThermaPureHeat. This incredible technology is able to kill insects, mold, bacteria, viruses and odors with heat! After meeting with the inventor, I met with a Micro Biologist to confirm this technology works. Dr. Abbott is a firm believer in this technology. I've contacted 2 of the largest Hotel/Casino chains. Executives in both are excited to bring in a "Green" pest control service and be able to address the increasing bed bug concern. With this service, we will be able to eliminate 100% of bed bugs in a guest room within 8 hours using NO PESTICIDES! Currently we nearly dismantle the entire room, treat it with all kinds of deadly pesticides, hold the room for 2 days to weeks to insure elimination and hope we got all of the bed bugs and placed enough extra chemical to kill any bed bugs that hatch out. THE HOTELS LOVE THIS! As well as the fact, they are trying to go GREEN. This is just the start, we open up the market for hospitals who's operating rooms cannot have pesticides in it (heat also kills staff infection), this will eliminate odors in nursing homes, doctors in California are now prescribing cancer patients to have their homes treated with heat. I'm not sure if insurance companies are paying for the service however, it is still a medical tax write off.
My financial situation:
I am a good candidate for this loan because I have already secured new business and have created an excitement among the Las Vegas Casino's who WANT this "Green" Pest Elimination service. In fact, a large pest company in California and Nevada has asked for a Heat Technician in Nevada to sub contract with.
After all of my research, I honestly believe this service will double our companies? revenue within the first year as well as help up move into the Reno market.
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
416736
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:
| $7,500.00 |
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:
| $339.27 |
|
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.
Borrower's Credit Profile
Prosper score:
| 5 |
First credit line:
| Jun-1999 |
Debt/Income ratio:
| 52% |
Credit score:
| 640-660 (Jul-2009) |
Current / open credit lines:
| 11
/
9 | Employment status: | Part-time employee |
Now delinquent:
| 0 |
Total credit lines:
| 11 | Length of status: | 6y 1m |
Amount delinquent:
| $0 |
Revolving credit balance:
| $6,447 |
Occupation: | Food Service |
Public records last 12m / 10y:
| 0/ 0 |
Bankcard utilization:
| 73% | Stated income: | $1-$24,999 |
Delinquencies in last 7y:
| 0 |
Homeownership:
| No | | |
Inquiries last 6m:
| 2 | | | | |
Screen name:
| STAFINN |
Borrower's state:
| Massachusetts |
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.
Prosper Activity
Loan history | Payment history | Credit score history |
Active / total loans:
| 1 / 1 |
On-time:
| 14 ( 100% )
| 640-660 (Latest)
|
Principal borrowed:
| $6,001.00 | < mo. late:
| 0
( 0% )
| 620-640
(Apr-2009)
620-640
(Apr-2008)
600-620
(Mar-2008)
580-600
(Nov-2007)
|
Principal balance:
| $4,037.96 |
1+ mo. late:
| 0
( 0% )
|
Total payments billed:
| 14 | | |
Description
Consolidation and Refinancing
Purpose of loan:
This loan will be used to?
Consolidate Credit cards
My financial situation:
I am a good candidate for this loan because? I have made all payments on time for my current loan and have not been late on any of my other payments
Monthly net income: $ myself(900.00) Husband (3200.00)
Monthly expenses: $ 3520.00
Housing: $ 1200.00 Insurance: $ 120.00
Car expenses: $ 400.00
Utilities: $ 250.00
Phone, cable, internet: $ 150.00
Food, entertainment: $ 100.00
Clothing, household expenses $ 200.00 Credit cards and other loans: $ 900.00
Other expenses: $ 200.00
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
416739
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:
| $15,000.00 |
Prosper Rating:
| HR | | |
Term:
| 36 months |
Estimated loss:
| 18.0% | | |
|
Starting lender yield:
| 19.00% |
Starting borrower rate/APR:
| 20.00% / 22.24% |
Starting monthly payment:
| $557.45 |
|
Auction yield range:
| 17.27% - 19.00% |
Estimated loss impact:
| 19.06% | | |
Lender servicing fee:
| 1.00% |
Estimated return:
| -0.06% | | |
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.
Borrower's Credit Profile
Prosper score:
| 5 |
First credit line:
| Aug-1989 |
Debt/Income ratio:
| 34% |
Credit score:
| 760-780 (Jul-2009) |
Current / open credit lines:
| 9
/
8 | Employment status: | Full-time employee |
Now delinquent:
| 0 |
Total credit lines:
| 36 | Length of status: | 15y 3m |
Amount delinquent:
| $0 |
Revolving credit balance:
| $16,581 |
Occupation: | Professional |
Public records last 12m / 10y:
| 0/ 1 |
Bankcard utilization:
| 62% | Stated income: | $50,000-$74,999 |
Delinquencies in last 7y:
| 0 |
Homeownership:
| Yes | | |
Inquiries last 6m:
| 2 | | | | |
Screen name:
| coin-dreamer0 |
Borrower's state:
| Montana |
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.
Description
Get out of Revolving Debt
Purpose of loan:
This loan will be used to consolidate revolving debt into one fixed rate, fixed term payment. My goal is to pay off credit card debt and eliminate revolving debt as efficiently and quickly as possible so that I may move forward with future goals.
I am a good candidate for this loan because I am in a very stable employment position as I've been with my current employer for over 15 years. Additionally, I am responsible at paying debts in a timely fashion. I thank you very much for your consideration.
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
416743
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:
| $7,500.00 |
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:
| $339.27 |
|
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.
Borrower's Credit Profile
Prosper score:
| 2 |
First credit line:
| Aug-2005 |
Debt/Income ratio:
| 94% |
Credit score:
| 600-620 (Jul-2009) |
Current / open credit lines:
| 8
/
7 | Employment status: | Part-time employee |
Now delinquent:
| 0 |
Total credit lines:
| 26 | Length of status: | 2y 8m |
Amount delinquent:
| $0 |
Revolving credit balance:
| $8,271 |
Occupation: | Student - College S... |
Public records last 12m / 10y:
| 0/ 0 |
Bankcard utilization:
| 97% | Stated income: | $1-$24,999 |
Delinquencies in last 7y:
| 0 |
Homeownership:
| No | | |
Inquiries last 6m:
| 2 | | | | |
Screen name:
| mike2246s |
Borrower's state:
| Illinois |
Borrower's group:
| Alternative Financing for School |
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.
Prosper Activity
Loan history | Payment history | Credit score history |
Active / total loans:
| 0 / 3 |
On-time:
| 27 ( 100% )
| 600-620 (Latest)
|
Principal borrowed:
| $3,000.00 | < mo. late:
| 0
( 0% )
| 540-560
(Nov-2007)
520-540
(Feb-2007)
520-540
(Feb-2007)
520-540
(Dec-2006)
|
Principal balance:
| $0.01 |
1+ mo. late:
| 0
( 0% )
|
Total payments billed:
| 27 | | |
Description
Please help fund a Business Student
Hi, I am a third year MIS
Business student. I work
as an information technology assistant and plan to continue working this job
during the rest of my time at as a student.
This Job helps me pay off most of my school bills, so I do not foresee myself
having any problems making the necessary payments towards this loan. I am
requesting this loan, because I would like to pay my credit card debt at a
lower rate than I currently have, and I also think that this will be a good
opportunity to work with prosper.com.
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
416745
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:
| $15,000.00 |
Prosper Rating:
| E | | |
Term:
| 36 months |
Estimated loss:
| 14.0% | | |
|
Starting lender yield:
| 14.27% |
Starting borrower rate/APR:
| 15.27% / 17.44% |
Starting monthly payment:
| $521.97 |
|
Auction yield range:
| 14.27% - 14.27% |
Estimated loss impact:
| 14.61% | | |
Lender servicing fee:
| 1.00% |
Estimated return:
| -0.34% | | |
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.
Borrower's Credit Profile
Prosper score:
| 6 |
First credit line:
| Dec-1999 |
Debt/Income ratio:
| 26% |
Credit score:
| 640-660 (Jul-2009) |
Current / open credit lines:
| 14
/
12 | Employment status: | Full-time employee |
Now delinquent:
| 0 |
Total credit lines:
| 22 | Length of status: | 3y 3m |
Amount delinquent:
| $0 |
Revolving credit balance:
| $17,894 |
Occupation: | Other |
Public records last 12m / 10y:
| 0/ 0 |
Bankcard utilization:
| 81% | Stated income: | $75,000-$99,999 |
Delinquencies in last 7y:
| 0 |
Homeownership:
| No | | |
Inquiries last 6m:
| 0 | | | | |
Screen name:
| naya50 |
Borrower's state:
| Texas |
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.
Prosper Activity
Loan history | Payment history | Credit score history |
Active / total loans:
| 1 / 1 |
On-time:
| 18 ( 100% )
| 640-660 (Latest)
|
Principal borrowed:
| $5,000.00 | < mo. late:
| 0
( 0% )
| 680-700
(Sep-2008)
660-680
(Dec-2007)
660-680
(Nov-2007)
|
Principal balance:
| $2,776.52 |
1+ mo. late:
| 0
( 0% )
|
Total payments billed:
| 18 | | |
Description
Staying ahead of the credit crunch
Purpose of loan:
Thank you Prosper for financing my first loan in 2007. I was able to pay off one of my credit cards and had a simple but beautiful wedding. This 2nd loan will be used to consolidate all of my credit card debit at a better fixed interest rate. Thank you
My financial situation:
I am a good candidate for this loan because I have a good history of paying back my loans/ credit etc. As my credit history shows I am never delinquent . I have a very good job in healthcare with a good forecast of job security. Based on my present income, I am financial able to pay this loan back with out difficulty.
Monthly net income: $ 5000.00
Monthly expenses: $ 4575
Housing: $ 500
Insurance: $ 375
Car expenses: $ 350
Utilities: $ 100
Phone, cable, internet: $ 100
Food, entertainment: $ 300
Clothing, household expenses $ 350
Credit cards and other loans: $ 1500
Other expenses: $ 1000
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
416747
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:
| A | | |
Term:
| 36 months |
Estimated loss:
| 2.1% | | |
|
Starting lender yield:
| 8.42% |
Starting borrower rate/APR:
| 9.42% / 11.52% |
Starting monthly payment:
| $191.97 |
|
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.
Borrower's Credit Profile
Prosper score:
| 9 |
First credit line:
| Aug-1990 |
Debt/Income ratio:
| 38% |
Credit score:
| 700-720 (Jul-2009) |
Current / open credit lines:
| 11
/
11 | Employment status: | Full-time employee |
Now delinquent:
| 0 |
Total credit lines:
| 23 | Length of status: | 15y 2m |
Amount delinquent:
| $0 |
Revolving credit balance:
| $51,595 |
Occupation: | Military Officer |
Public records last 12m / 10y:
| 0/ 0 |
Bankcard utilization:
| 88% | Stated income: | $75,000-$99,999 |
Delinquencies in last 7y:
| 0 |
Homeownership:
| Yes | | |
Inquiries last 6m:
| 0 | | | | |
Screen name:
| ndwayno |
Borrower's state:
| Illinois |
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.
Description
Pay Off High Interest Loans
Purpose of loan:
Paying Off Some of My High Interest Loans
My financial situation:
I have a steady income and will easily be able to make the payments.? In a little bit I will head to the Gulf where my pay becomes tax free. :)
Monthly net income: $ 6100
Monthly expenses: $
??Housing: $ 2700
??Insurance: $ 140 (Homewoners and Car)
??Car expenses: $ 650
??Utilities: $ 75
??Phone, cable, internet: $ 60
??Food, entertainment: $ 200
??Clothing, household expenses $ 50
??Credit cards and other loans: $?1000
??Other expenses: $
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
416751
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:
| HR | | |
Term:
| 36 months |
Estimated loss:
| 18.0% | | |
|
Starting lender yield:
| 34.00% |
Starting borrower rate/APR:
| 35.00% / 37.45% |
Starting monthly payment:
| $452.36 |
|
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.
Borrower's Credit Profile
Prosper score:
| 4 |
First credit line:
| Dec-1996 |
Debt/Income ratio:
| 34% |
Credit score:
| 640-660 (Jul-2009) |
Current / open credit lines:
| 8
/
8 | Employment status: | Full-time employee |
Now delinquent:
| 0 |
Total credit lines:
| 17 | Length of status: | 5y 11m |
Amount delinquent:
| $0 |
Revolving credit balance:
| $12,845 |
Occupation: | Sales - Commission |
Public records last 12m / 10y:
| 0/ 1 |
Bankcard utilization:
| 93% | Stated income: | $50,000-$74,999 |
Delinquencies in last 7y:
| 0 |
Homeownership:
| No | | |
Inquiries last 6m:
| 2 | | | | |
Screen name:
| refined-market |
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.
Description
Paying off my credit cards!
Purpose of loan:
This loan will be used to consolidate my credit card debt.
My financial situation:
I am a good candidate for this loan because I am extremely motivated to get myself out of my current situation. I have drafted a specific plan of action to get where I want to be.
Monthly net income: $2700 (commission varies)
Monthly expenses: $
Housing: $1205.00
Insurance: $85
Car expenses: $283 ($1500 left on car note)
Utilities: $50
Phone, cable, internet: $104
Food, entertainment: $300
Clothing, household expenses $
Credit cards and other loans: $800
Other expenses: $100
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
416755
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:
| C | | |
Term:
| 36 months |
Estimated loss:
| 6.5% | | |
|
Starting lender yield:
| 17.05% |
Starting borrower rate/APR:
| 18.05% / 20.26% |
Starting monthly payment:
| $180.89 |
|
Auction yield range:
| 8.27% - 17.05% |
Estimated loss impact:
| 6.89% | | |
Lender servicing fee:
| 1.00% |
Estimated return:
| 10.16% | | |
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.
Borrower's Credit Profile
Prosper score:
| 9 |
First credit line:
| Aug-1983 |
Debt/Income ratio:
| 25% |
Credit score:
| 680-700 (Jul-2009) |
Current / open credit lines:
| 8
/
7 | Employment status: | Full-time employee |
Now delinquent:
| 0 |
Total credit lines:
| 22 | Length of status: | 1y 11m |
Amount delinquent:
| $0 |
Revolving credit balance:
| $242,289 |
Occupation: | Accountant/CPA |
Public records last 12m / 10y:
| 0/ 0 |
Bankcard utilization:
| 96% | Stated income: | $100,000+ |
Delinquencies in last 7y:
| 0 |
Homeownership:
| Yes | | |
Inquiries last 6m:
| 0 | | | | |
Screen name:
| Roby57 |
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.
Description
Make some emergency car repairs
Purpose of loan:
I ran up some good credit card debt a couple years back in an attempt at self-employment after almost 20 years with the same entity. I wasn't successful but the debt remained. I cancelled all but one credit card and locked in a fixed-rate, 5-year plan to pay off my credit cards, but this left little in my emergency fund. Now I just had to put a new transmission, tires, brakes and do some front-end work on my SUV. In total, over $4,800. (Those trannies are expensive!!) I managed to pay for evrything, but I'm just not comfortable not having some kind of safety cushion. So I am here at Prosper seeking a loan to cover these expenses rather paying the credit card company exorbitant rates.
My financial situation:
I am a good candidate for this loan because I always pay my bills on-time. I've owned my home for over 17 years and have had steady employment except for a short stint of self-employment. Over 30% of my monthly income comes from a government pension. My credit history is EXCELLENT but my FICO score dropped when I cancelled my credit cards.
Monthly net income: $ 7,265
Monthly expenses: $
Housing: $ 1,859
Insurance: $ 120
Car expenses: $ 233
Utilities: $ 359
Phone, cable, internet: $ 282
Food, entertainment: $ 800
Clothing, household expenses $ 300
Credit cards and other loans: $ 2,182
Other expenses: $ 300
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
416757
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:
| $3,000.00 |
Prosper Rating:
| HR | | |
Term:
| 36 months |
Estimated loss:
| 25.0% | | |
|
Starting lender yield:
| 21.00% |
Starting borrower rate/APR:
| 22.00% / 24.26% |
Starting monthly payment:
| $114.57 |
|
Auction yield range:
| 17.27% - 21.00% |
Estimated loss impact:
| 26.19% | | |
Lender servicing fee:
| 1.00% |
Estimated return:
| -5.19% | | |
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.
Borrower's Credit Profile
Prosper score:
| 3 |
First credit line:
| Jun-1999 |
Debt/Income ratio:
| 17% |
Credit score:
| 640-660 (Jul-2009) |
Current / open credit lines:
| 11
/
8 | Employment status: | Full-time employee |
Now delinquent:
| 0 |
Total credit lines:
| 30 | Length of status: | 2y 0m |
Amount delinquent:
| $0 |
Revolving credit balance:
| $21,990 |
Occupation: | Tradesman - Mechani... |
Public records last 12m / 10y:
| 0/ 0 |
Bankcard utilization:
| 95% | Stated income: | $50,000-$74,999 |
Delinquencies in last 7y:
| 0 |
Homeownership:
| Yes | | |
Inquiries last 6m:
| 8 | | | | |
Screen name:
| networth35 |
Borrower's state:
| Utah |
Borrower's group:
| BORROWERS - Free instant Listings - LARGEST GROUP |
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.
Prosper Activity
Loan history | Payment history | Credit score history |
Active / total loans:
| 0 / 1 |
On-time:
| 3 ( 100% )
| 640-660 (Latest)
|
Principal borrowed:
| $2,000.00 | < mo. late:
| 0
( 0% )
| 760-780
(Jan-2007)
|
Principal balance:
| $0.00 |
1+ mo. late:
| 0
( 0% )
|
Total payments billed:
| 3 | | |
Description
Having a baby
Purpose of loan:
This loan will be used to pay the premiums on an insurance policy, because we are planning on having a baby
My financial situation:
I am a good candidate for this loan because, I made good on my other loan with prosper, and am a current lender,
Monthly net income: $ 60000
Monthly expenses: $
Housing: $ 1320
Insurance: $ 750
Car expenses: $ 200
Utilities: $ 300
Phone, cable, internet: $ 30
Food, entertainment: $ 200
Clothing, household expenses $ 200
Credit cards and other loans: $ 700
Other expenses: $ 400
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
416759
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:
| $13,000.00 |
Prosper Rating:
| HR | | |
Term:
| 36 months |
Estimated loss:
| 19.0% | | |
|
Starting lender yield:
| 19.00% |
Starting borrower rate/APR:
| 20.00% / 22.24% |
Starting monthly payment:
| $483.13 |
|
Auction yield range:
| 17.27% - 19.00% |
Estimated loss impact:
| 20.06% | | |
Lender servicing fee:
| 1.00% |
Estimated return:
| -1.06% | | |
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.
Borrower's Credit Profile
Prosper score:
| 4 |
First credit line:
| May-2001 |
Debt/Income ratio:
| 26% |
Credit score:
| 620-640 (Jul-2009) |
Current / open credit lines:
| 8
/
8 | Employment status: | Full-time employee |
Now delinquent:
| 0 |
Total credit lines:
| 16 | Length of status: | 5y 10m |
Amount delinquent:
| $0 |
Revolving credit balance:
| $16,168 |
Occupation: | Analyst |
Public records last 12m / 10y:
| 0/ 0 |
Bankcard utilization:
| 98% | Stated income: | $50,000-$74,999 |
Delinquencies in last 7y:
| 0 |
Homeownership:
| Yes | | |
Inquiries last 6m:
| 1 | | | | |
Screen name:
| pequenavenecia |
Borrower's state:
| Ohio |
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.
Prosper Activity
Loan history | Payment history | Credit score history |
Active / total loans:
| 1 / 1 |
On-time:
| 14 ( 100% )
| 620-640 (Latest)
|
Principal borrowed:
| $8,000.00 | < mo. late:
| 0
( 0% )
| 640-660
(Mar-2008)
|
Principal balance:
| $5,395.28 |
1+ mo. late:
| 0
( 0% )
|
Total payments billed:
| 14 | | |
Description
Student loan/Credit consolidation
Purpose of loan:
This loan will be used to pay some student loans and pay credit cards used for college and then consolidate payment to Prosper
My financial situation:
I am a good candidate for this loan because I like to pay back but credit cards, student payments. I paid already my auto loan to Addison Avenue. I have a job to pay it in a monthly basis
Monthly net income: $ $5,400 and my husband has incomes for $5,000 monthly as well then our expenses are half/half.
Monthly expenses: $
Housing: $ 900
Insurance: $ 100
Car expenses: $ 400
Utilities: $ 200
Phone, cable, internet: $ 30
Food, entertainment: $ 600
Clothing, household expenses $ 250
Credit cards and other loans: $ 900
Other expenses: $ 400
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
416762
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:
| 18.0% | | |
|
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:
| 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.
Borrower's Credit Profile
Prosper score:
| 5 |
First credit line:
| Jan-1990 |
Debt/Income ratio:
| 105% |
Credit score:
| 680-700 (Jul-2009) |
Current / open credit lines:
| 13
/
13 | Employment status: | Full-time employee |
Now delinquent:
| 0 |
Total credit lines:
| 34 | Length of status: | 4y 3m |
Amount delinquent:
| $0 |
Revolving credit balance:
| $36,236 |
Occupation: | Other |
Public records last 12m / 10y:
| 0/ 0 |
Bankcard utilization:
| 76% | Stated income: | $25,000-$49,999 |
Delinquencies in last 7y:
| 0 |
Homeownership:
| Yes | | |
Inquiries last 6m:
| 1 | | | | |
Screen name:
| riveting-greenback |
Borrower's state:
| Oklahoma |
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.
Description
PAYING OFF CREDIT CARDS
Purpose of loan: To pay off credit card
This loan will be used to? pay off credit card. We bought this house, started remodeling and before long the balance was out of sight. I pay more than the payment due, but it just seems like I'm spinning my wheels. As we all know, it all goes to interest. I did get them to reduce the interest, but I would rather pay off in three years than forever and ever....
My financial situation: Good I don't know why I'm HR. I had 1 ding on a late payment from QVC, when we were in the process of moving. The late fee was reversed and should be corrected on the credit report. That is the only one in more than 4 years or more. I pulled the reports and it's showing I was late in Dec. 09? Don't understand. I looked at it twice. Our scores about 2 months ago, both of us, were above 720, on all 3. Transunion still showing me at 760. We have no children, therefore, we don't have to worry about college and such.
I am a good candidate for this loan because? we pay our loans on time. We honor our obligations. I hope someone will understand and help. You won't be disappointed. I realize you may hesitate, but, I have to pay the interest to someone, might as well be you. We'll be helping out each other Thank you :)
Monthly net income: $ 4500.00 I work for two medical facilities as a medical coder. One is full time 40 hours a week and the other I do contract work from 15-20 hours a week and more if I desire. Which I am starting to do so I can get these paid off. Tired of being in debt.
Monthly expenses: $
Housing: $ 682
Insurance: $ 700, paid yearly
Car expenses: $ 500
Utilities: $ 200
Phone, cable, internet: $ 200
Food, entertainment: $ 200-300
Clothing, household expenses $ we don't buy much in the way of clothes.
Credit cards and other loans: $2,000.00 Our two vehicle are 0% financing. We're selling a motocycle, which will reduce this $400.00
Other expenses: $ 2 pomeranians Not to much expense. They pay us with unconditional love.
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
416767
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.
Borrower's Credit Profile
Prosper score:
| 5 |
First credit line:
| Jun-1989 |
Debt/Income ratio:
| 12% |
Credit score:
| 700-720 (Jul-2009) |
Current / open credit lines:
| 5
/
5 | Employment status: | Full-time employee |
Now delinquent:
| 5 |
Total credit lines:
| 26 | Length of status: | 11y 10m |
Amount delinquent:
| $2,119 |
Revolving credit balance:
| $0 |
Occupation: | Teacher |
Public records last 12m / 10y:
| 0/ 0 |
Bankcard utilization:
| 0% | Stated income: | $50,000-$74,999 |
Delinquencies in last 7y:
| 9 |
Homeownership:
| No | | |
Inquiries last 6m:
| 0 | | | | |
Screen name:
| amputee |
Borrower's state:
| NewYork |
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.
Prosper Activity
Loan history | Payment history | Credit score history |
Active / total loans:
| 0 / 1 |
On-time:
| 1 ( 100% )
| 700-720 (Latest)
|
Principal borrowed:
| $1,000.00 | < mo. late:
| 0
( 0% )
| 720-740
(Sep-2008)
720-740
(Jul-2008)
|
Principal balance:
| $0.00 |
1+ mo. late:
| 0
( 0% )
|
Total payments billed:
| 1 | | |
Description
vending machines in school
Purpose of loan:
This loan will be used to purchase vending machines in a school so that the G.O. could make a larger percentage than now because most of the money goes to the vendor who owns the machines. The service and supply chain will be more local and quicker.
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
416775
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:
| $15,000.00 |
Prosper Rating:
| C | | |
Term:
| 36 months |
Estimated loss:
| 6.2% | | |
|
Starting lender yield:
| 8.27% |
Starting borrower rate/APR:
| 9.27% / 11.37% |
Starting monthly payment:
| $478.88 |
|
Auction yield range:
| 8.27% - 8.27% |
Estimated loss impact:
| 6.36% | | |
Lender servicing fee:
| 1.00% |
Estimated return:
| 1.91% | | |
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.
Borrower's Credit Profile
Prosper score:
| 4 |
First credit line:
| Nov-1994 |
Debt/Income ratio:
| 18% |
Credit score:
| 800-820 (Jul-2009) |
Current / open credit lines:
| 7
/
6 | Employment status: | Full-time employee |
Now delinquent:
| 0 |
Total credit lines:
| 25 | Length of status: | 0y 4m |
Amount delinquent:
| $0 |
Revolving credit balance:
| $554 |
Occupation: | Analyst |
Public records last 12m / 10y:
| 0/ 0 |
Bankcard utilization:
| 3% | Stated income: | $50,000-$74,999 |
Delinquencies in last 7y:
| 24 |
Homeownership:
| Yes | | |
Inquiries last 6m:
| 3 | | | | |
Screen name:
| dough-hickory |
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.
Description
buying investment property
Purpose of loan:
I am buying investment property then flipping and repaying the loan
My financial situation:
I am a good candidate for this loan because I am using funds for a good purpose. I will never miss use the money.I am using the loan to make more money.
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
416779
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:
| $2,500.00 |
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:
| $113.09 |
|
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.
Borrower's Credit Profile
Prosper score:
| 3 |
First credit line:
| Sep-1982 |
Debt/Income ratio:
| 8% |
Credit score:
| 720-740 (Jul-2009) |
Current / open credit lines:
| 2
/
2 | Employment status: | Full-time employee |
Now delinquent:
| 0 |
Total credit lines:
| 2 | Length of status: | 2y 1m |
Amount delinquent:
| $0 |
Revolving credit balance:
| $193 |
Occupation: | Student - College J... |
Public records last 12m / 10y:
| 0/ 0 |
Bankcard utilization:
| 0% | Stated income: | $1-$24,999 |
Delinquencies in last 7y:
| 0 |
Homeownership:
| No | | |
Inquiries last 6m:
| 2 | | | | |
Screen name:
| phillytyme33 |
Borrower's state:
| Pennsylvania |
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.
Description
Determined to erase a payday loan!!
Purpose of loan:
I won't share a pity story. I have landed in a tough, stressful position, in large part my own fault. I have hit rock bottom financially recently and feel trapped with an outstanding payday loan that is gouging me daily with ridiculous interest rates. No pity party, but I do feel the need to mention the simple fact that I was recently robbed while on a trip to the Jersey shore. I felt it was necessary to state that so lenders don't think I wouldn't have been able to erase the payday loan asap barring the incident. I am looking for more work, but currently am struggling to make enough money to afford to pay off more than interest accruals. I would have no problem making payments of a few hundred dollars a month, and would very much enjoy seeing much of that money go towards a principal loan amount.
note: I am surprised to see that prosper has me listed as a HR borrower despite my credit score of 700+. I assume factors include my inexperience on this site and in the credit world in general. Maybe this will actually help me attract quick bids since the return on investment should be very attractive to lenders.
Please feel free to email me with any questions. Thanks.
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
416782
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:
| $20,000.00 |
Prosper Rating:
| HR | | |
Term:
| 36 months |
Estimated loss:
| 25.0% | | |
|
Starting lender yield:
| 19.00% |
Starting borrower rate/APR:
| 20.00% / 22.24% |
Starting monthly payment:
| $743.27 |
|
Auction yield range:
| 17.27% - 19.00% |
Estimated loss impact:
| 26.06% | | |
Lender servicing fee:
| 1.00% |
Estimated return:
| -7.06% | | |
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.
Borrower's Credit Profile
Prosper score:
| 2 |
First credit line:
| Aug-1991 |
Debt/Income ratio:
| 39% |
Credit score:
| 640-660 (Jul-2009) |
Current / open credit lines:
| 13
/
12 | Employment status: | Full-time employee |
Now delinquent:
| 0 |
Total credit lines:
| 58 | Length of status: | 21y 6m |
Amount delinquent:
| $0 |
Revolving credit balance:
| $13,590 |
Occupation: | Military Enlisted |
Public records last 12m / 10y:
| 0/ 1 |
Bankcard utilization:
| 95% | Stated income: | $50,000-$74,999 |
Delinquencies in last 7y:
| 18 |
Homeownership:
| Yes | | |
Inquiries last 6m:
| 3 | | | | |
Screen name:
| muddhole62 |
Borrower's state:
| Tennessee |
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.
Description
Get Out of Debt
Purpose of loan:
This loan will be used to?
pay off unsecured debt
My financial situation:
I am a good candidate for this loan because?
I am trying to get my life on track after the death of my father, pay off unsecured debt so I can buy a new home in a few years
Monthly net income: $
60,000
Monthly expenses: $
Housing: $ 450.00
Insurance: $ 100.00
Car expenses: $ 500.00
Utilities: $ 100.00
Phone, cable, internet: $ 100.00
Food, entertainment: $ 200.00
Clothing, household expenses $ 60.00
Credit cards and other loans: $ 800.00
Other expenses: $ ??
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
416784
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:
| $15,000.00 |
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:
| $678.54 |
|
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.
Borrower's Credit Profile
Prosper score:
| 2 |
First credit line:
| Jul-1987 |
Debt/Income ratio:
| 45% |
Credit score:
| 740-760 (Jul-2009) |
Current / open credit lines:
| 17
/
13 | Employment status: | Full-time employee |
Now delinquent:
| 0 |
Total credit lines:
| 43 | Length of status: | 17y 9m |
Amount delinquent:
| $0 |
Revolving credit balance:
| $7,847 |
Occupation: | Accountant/CPA |
Public records last 12m / 10y:
| 0/ 0 |
Bankcard utilization:
| 97% | Stated income: | $50,000-$74,999 |
Delinquencies in last 7y:
| 0 |
Homeownership:
| Yes | | |
Inquiries last 6m:
| 1 | | | | |
Screen name:
| bettybam |
Borrower's state:
| Indiana |
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.
Prosper Activity
Loan history | Payment history | Credit score history |
Active / total loans:
| 0 / 1 |
On-time:
| 6 ( 100% )
| 740-760 (Latest)
|
Principal borrowed:
| $15,000.00 | < mo. late:
| 0
( 0% )
| 700-720
(May-2008)
|
Principal balance:
| $0.00 |
1+ mo. late:
| 0
( 0% )
|
Total payments billed:
| 6 | | |
Description
Paying off my credit card
Purpose of loan:This loan will be used to? pay off open credit cards that are in my name only.. and pay off a personal loan in the amount of $ 7,000.00. to be able to make 1 payment a month instead of 8. I would like to obtain a debt consolidation loan and clean up my own mess.. Please!!! Please!! At this point I am not picky about the interest rate...
Paying off these items will help my husband & i obtain funding when our son goes off to college in 2010..
thank you
My financial situation:
I am a good candidate for this loan because? my husband pays for all the household expenses that are in both of our names..
We own a our own business and he brings home approx $120,000. Monthly net income: $ 2500 mine 12500 combined
Monthly expenses: $
Housing: $ 2,100
Insurance: $ 150
Car expenses: $ 530
Utilities: $ 300
Phone, cable, internet: $ 250
Food, entertainment: $ 500
Clothing, household expenses $ 150
Credit cards and other loans: $ 810.00
Other expenses: $ 100 (out of all these expenses i pay for 1,000 out of my check)
My 1st loan with proper was paid off in 6 months.. and this on will be paid in full by Feb. 2010.
Thank you all for believing in me.
Welcome back Prosper!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
416790
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:
| B | | |
Term:
| 36 months |
Estimated loss:
| 5.0% | | |
|
Starting lender yield:
| 23.00% |
Starting borrower rate/APR:
| 24.00% / 26.29% |
Starting monthly payment:
| $392.33 |
|
Auction yield range:
| 6.27% - 23.00% |
Estimated loss impact:
| 5.41% | | |
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.
Borrower's Credit Profile
Prosper score:
| 8 |
First credit line:
| Jul-1996 |
Debt/Income ratio:
| 42% |
Credit score:
| 740-760 (Jul-2009) |
Current / open credit lines:
| 15
/
13 | Employment status: | Full-time employee |
Now delinquent:
| 0 |
Total credit lines:
| 23 | Length of status: | 8y 1m |
Amount delinquent:
| $0 |
Revolving credit balance:
| $48,150 |
Occupation: | Other |
Public records last 12m / 10y:
| 0/ 0 |
Bankcard utilization:
| 81% | Stated income: | $50,000-$74,999 |
Delinquencies in last 7y:
| 0 |
Homeownership:
| Yes | | |
Inquiries last 6m:
| 0 | | | | |
Screen name:
| hope-candy |
Borrower's state:
| Illinois |
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.
Description
Paying Off Debt/Home Improvements
Purpose of loan:
This loan will be used to paying off my
bills/debt. It will also help my family out for home improvements on
some properties that we have. We need to make some improvements to some
properties that we have before inspection comes and takes a look at it.
My financial situation:
I am a good candidate for
this loan because I have never ever field for bankruptcy and I always
pay my bills on time. If you need any other information/questions
please fell free to email me. My credit score is good and I will be
able to pay off the loan in less then 36 months.
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
416793
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:
| $8,000.00 |
Prosper Rating:
| C | | |
Term:
| 36 months |
Estimated loss:
| 7.0% | | |
|
Starting lender yield:
| 20.92% |
Starting borrower rate/APR:
| 21.92% / 24.18% |
Starting monthly payment:
| $305.19 |
|
Auction yield range:
| 8.27% - 20.92% |
Estimated loss impact:
| 7.49% | | |
Lender servicing fee:
| 1.00% |
Estimated return:
| 13.43% | | |
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.
Borrower's Credit Profile
Prosper score:
| 7 |
First credit line:
| Jan-1994 |
Debt/Income ratio:
| Self-employed (DTI Not Calculated) |
Credit score:
| 760-780 (Jul-2009) |
Current / open credit lines:
| 10
/
10 | Employment status: | Self-employed |
Now delinquent:
| 0 |
Total credit lines:
| 31 | Length of status: | 0y 9m |
Amount delinquent:
| $0 |
Revolving credit balance:
| $22,605 |
Occupation: | Professional |
Public records last 12m / 10y:
| 0/ 0 |
Bankcard utilization:
| 43% | Stated income: | $50,000-$74,999 |
Delinquencies in last 7y:
| 0 |
Homeownership:
| Yes | | |
Inquiries last 6m:
| 0 | | | | |
Screen name:
| note-enrichment |
Borrower's state:
| Maryland |
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.
Description
Business Development Success
Purpose of loan:
This loan will be used to?
Grow and Market my business. This includes using funds for working capital to cover equipment and daily costs.
My financial situation:
I am a good candidate for this loan because I have a strong financial and credit background. I own my home and consistently pay my mortgage and bills on time.
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
416795
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:
| A | | |
Term:
| 36 months |
Estimated loss:
| 2.1% | | |
|
Starting lender yield:
| 11.42% |
Starting borrower rate/APR:
| 12.42% / 14.56% |
Starting monthly payment:
| $601.47 |
|
Auction yield range:
| 4.27% - 11.42% |
Estimated loss impact:
| 2.14% | | |
Lender servicing fee:
| 1.00% |
Estimated return:
| 9.28% | | |
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.
Borrower's Credit Profile
Prosper score:
| 9 |
First credit line:
| Oct-1981 |
Debt/Income ratio:
| 35% |
Credit score:
| 740-760 (Jul-2009) |
Current / open credit lines:
| 19
/
18 | Employment status: | Full-time employee |
Now delinquent:
| 0 |
Total credit lines:
| 40 | Length of status: | 19y 7m |
Amount delinquent:
| $0 |
Revolving credit balance:
| $332,198 |
Occupation: | Professor |
Public records last 12m / 10y:
| 0/ 0 |
Bankcard utilization:
| 86% | Stated income: | $100,000+ |
Delinquencies in last 7y:
| 0 |
Homeownership:
| Yes | | |
Inquiries last 6m:
| 0 | | | | |
Screen name:
| enchanted-reward |
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.
Description
Paying off my credit cards
Purpose of loan:
This loan will be used to reduce high rate credit card balances
My financial situation:
I am a good candidate for this loan because I have a perfect repayment record and rock-solid income.
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
416799
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:
| AA | | |
Term:
| 36 months |
Estimated loss:
| 1.5% | | |
|
Starting lender yield:
| 7.52% |
Starting borrower rate/APR:
| 8.52% / 10.61% |
Starting monthly payment:
| $157.88 |
|
Auction yield range:
| 3.27% - 7.52% |
Estimated loss impact:
| 1.50% | | |
Lender servicing fee:
| 1.00% |
Estimated return:
| 6.02% | | |
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.
Borrower's Credit Profile
Prosper score:
| 8 |
First credit line:
| May-1995 |
Debt/Income ratio:
| 8% |
Credit score:
| 800-820 (Jul-2009) |
Current / open credit lines:
| 9
/
7 | Employment status: | Full-time employee |
Now delinquent:
| 1 |
Total credit lines:
| 24 | Length of status: | 14y 3m |
Amount delinquent:
| $1,010 |
Revolving credit balance:
| $2,519 |
Occupation: | Retail Management |
Public records last 12m / 10y:
| 0/ 0 |
Bankcard utilization:
| 15% | Stated income: | $50,000-$74,999 |
Delinquencies in last 7y:
| 0 |
Homeownership:
| Yes | | |
Inquiries last 6m:
| 0 | | | | |
Screen name:
| delectable-return |
Borrower's state:
| Virginia |
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.
Description
"Installing new windows"
Purpose of loan:
This loan will be used to update my house. We have a little left to do and it will be perfect.
My financial situation:
I am a good candidate for this loan because I've worked for the same company for 14years and have been in management for 9 years. My creit score should be over 720. My wife is a school teacher and loves the improvements we have been able to make to our house so far.Thank you for your consideration.
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
416801
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:
| $24,999.00 |
Prosper Rating:
| HR | | |
Term:
| 36 months |
Estimated loss:
| 25.0% | | |
|
Starting lender yield:
| 17.27% |
Starting borrower rate/APR:
| 18.27% / 20.48% |
Starting monthly payment:
| $907.16 |
|
Auction yield range:
| 17.27% - 17.27% |
Estimated loss impact:
| 25.95% | | |
Lender servicing fee:
| 1.00% |
Estimated return:
| -8.68% | | |
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.
Borrower's Credit Profile
Prosper score:
| 3 |
First credit line:
| Mar-1990 |
Debt/Income ratio:
| 21% |
Credit score:
| 660-680 (Jul-2009) |
Current / open credit lines:
| 12
/
11 | Employment status: | Full-time employee |
Now delinquent:
| 0 |
Total credit lines:
| 26 | Length of status: | 16y 11m |
Amount delinquent:
| $0 |
Revolving credit balance:
| $24,301 |
Occupation: | Other |
Public records last 12m / 10y:
| 0/ 1 |
Bankcard utilization:
| 63% | Stated income: | $75,000-$99,999 |
Delinquencies in last 7y:
| 0 |
Homeownership:
| Yes | | |
Inquiries last 6m:
| 1 | | | | |
Screen name:
| Gibsound |
Borrower's state:
| Pennsylvania |
Borrower's group:
| Pittsburgh / Western Pennsylvania |
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.
Prosper Activity
Loan history | Payment history | Credit score history |
Active / total loans:
| 0 / 1 |
On-time:
| 11 ( 100% )
| 660-680 (Latest)
|
Principal borrowed:
| $2,500.00 | < mo. late:
| 0
( 0% )
| 680-700
(May-2008)
660-680
(Dec-2007)
680-700
(Nov-2007)
680-700
(Sep-2007)
|
Principal balance:
| $0.00 |
1+ mo. late:
| 0
( 0% )
|
Total payments billed:
| 11 | | |
Description
Remodeling investment property.
Purpose of loan. I purchased a HUD foreclosure home to be used as an investment property. This two bedroom home was purchased for $6000.00 cash from personal savings. This house needs repairs and upgrades. I will not be living in this home and it will be used as a rental.
This loan will be used to replace or repair the following.
New roof and siding $15,000.00
New heating and cooling system $3,500.00
New windows $500.00
New doors $500.00
New bathroom $2,000.00
New kitchen $2,000.00
New flooring $1,000.00
Demolition of old garage $500.00
Total----------------------------------------$25,000.00
My financial situation.I work full time. I pay my bills. I don't live beyond my means. I am dedicated, and determined to achieving independent financial success.
I am a great candidate for this loan.
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
416806
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:
| $3,800.00 |
Prosper Rating:
| C | | |
Term:
| 36 months |
Estimated loss:
| 6.5% | | |
|
Starting lender yield:
| 20.05% |
Starting borrower rate/APR:
| 21.05% / 23.30% |
Starting monthly payment:
| $143.26 |
|
Auction yield range:
| 8.27% - 20.05% |
Estimated loss impact:
| 6.97% | | |
Lender servicing fee:
| 1.00% |
Estimated return:
| 13.08% | | |
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.
Borrower's Credit Profile
Prosper score:
| 9 |
First credit line:
| Feb-1999 |
Debt/Income ratio:
| 12% |
Credit score:
| 660-680 (Jul-2009) |
Current / open credit lines:
| 6
/
6 | Employment status: | Full-time employee |
Now delinquent:
| 0 |
Total credit lines:
| 11 | Length of status: | 4y 3m |
Amount delinquent:
| $0 |
Revolving credit balance:
| $6,979 |
Occupation: | Professional |
Public records last 12m / 10y:
| 0/ 0 |
Bankcard utilization:
| 66% | Stated income: | $50,000-$74,999 |
Delinquencies in last 7y:
| 0 |
Homeownership:
| Yes | | |
Inquiries last 6m:
| 0 | | | | |
Screen name:
| DRM_VC |
Borrower's state:
| Texas |
Borrower's group:
| Geek Power! |
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.
Description
Free up cash flow to pay down debts
Purpose of loan:
This loan will be used to extend the payments on my current truck payment so that I can free an estimated $125 a month in cash flow to add to savings, pay extra on this prosper loan, put money towards college and pay down credit cards.
My financial situation:
I am a good candidate for this loan because I've never had a late payment on this truck and the truck is not an upside down loan. It currently is estimated at value about $650 above this loan request, so I do have options to liquidate the asset to pay the loan in a worst case scenario.
Monthly net income: $ 4585
Monthly expenses: $ 2860
Housing: $ 2383 (cost is split with person I live with, and this number represents my half of what includes food/groceries, utilities, phone, cable, internet and home owners insurance)
Insurance: $ 140
Car expenses: $ 225
Utilities: $ part of housing
Phone, cable, internet: $ part of housing
Food, entertainment: $ part of housing
Credit cards and other loans: $60.
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
416808
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:
| $20,000.00 |
Prosper Rating:
| HR | | |
Term:
| 36 months |
Estimated loss:
| 18.0% | | |
|
Starting lender yield:
| 17.27% |
Starting borrower rate/APR:
| 18.27% / 20.48% |
Starting monthly payment:
| $725.76 |
|
Auction yield range:
| 17.27% - 17.27% |
Estimated loss impact:
| 18.95% | | |
Lender servicing fee:
| 1.00% |
Estimated return:
| -1.68% | | |
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.
Borrower's Credit Profile
Prosper score:
| 5 |
First credit line:
| Dec-2001 |
Debt/Income ratio:
| 40% |
Credit score:
| 660-680 (Jul-2009) |
Current / open credit lines:
| 12
/
10 | Employment status: | Full-time employee |
Now delinquent:
| 0 |
Total credit lines:
| 30 | Length of status: | 0y 8m |
Amount delinquent:
| $0 |
Revolving credit balance:
| $8,061 |
Occupation: | Computer Programmer |
Public records last 12m / 10y:
| 0/ 0 |
Bankcard utilization:
| 74% | Stated income: | $25,000-$49,999 |
Delinquencies in last 7y:
| 0 |
Homeownership:
| No | | |
Inquiries last 6m:
| 0 | | | | |
Screen name:
| galymede |
Borrower's state:
| Illinois |
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.
Description
Done with debt
Purpose of loan:
pay off all high interest credit cards
My financial situation:
Just to many credit cards
Currently my feoncee and my self are making a combined total monthly payment to credit cards in the amount of about 800!!!I would be happy to pay a lower interest rate than 20%!!! to a person as opposed to the credit card companies.
By the way..not really sure why Prosper isn't showing that I am a home owner...but I am.
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
416810
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:
| $25,000.00 |
Prosper Rating:
| C | | |
Term:
| 36 months |
Estimated loss:
| 6.2% | | |
|
Starting lender yield:
| 19.52% |
Starting borrower rate/APR:
| 20.52% / 22.76% |
Starting monthly payment:
| $935.73 |
|
Auction yield range:
| 8.27% - 19.52% |
Estimated loss impact:
| 6.65% | | |
Lender servicing fee:
| 1.00% |
Estimated return:
| 12.87% | | |
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.
Borrower's Credit Profile
Prosper score:
| 4 |
First credit line:
| May-1995 |
Debt/Income ratio:
| Self-employed (DTI Not Calculated) |
Credit score:
| 820-840 (Jul-2009) |
Current / open credit lines:
| 13
/
12 | Employment status: | Self-employed |
Now delinquent:
| 0 |
Total credit lines:
| 23 | Length of status: | 0y 7m |
Amount delinquent:
| $0 |
Revolving credit balance:
| $10,383 |
Occupation: | Executive |
Public records last 12m / 10y:
| 0/ 0 |
Bankcard utilization:
| 19% | Stated income: | $50,000-$74,999 |
Delinquencies in last 7y:
| 0 |
Homeownership:
| Yes | | |
Inquiries last 6m:
| 1 | | | | |
Screen name:
| agile-credit |
Borrower's state:
| Tennessee |
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.
Description
Business in Growth Mode
Purpose of loan:
This loan will be used to hire one part-time Account Manager Trainee to find and qualify leads for sales (33% of the loan will be for this purpose). We will also use the loan to hire a Logistics Account Manager for sales (57% of the loan will be for this purpose). The remaining 10% of the loan will be used to purchase 3 computers.
My financial situation: I am a good candidate for this loan because our business has continually grown throughout the last two quarters. We have invested $65,000 in 2 sales people and operational systems over the last 7 months. We are now poised to aggressively grow the business with the additional team members outlined above. We anticipate that the additional investment of $25,000 will be able to carry the cost of the loan within three months (this is a conservative assumption). Also, we currently have approximately $29,500 in cash to carry the cost of the loan until the above investment in people and systems gains momentum.
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
416814
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:
| $22,000.00 |
Prosper Rating:
| HR | | |
Term:
| 36 months |
Estimated loss:
| 18.0% | | |
|
Starting lender yield:
| 18.00% |
Starting borrower rate/APR:
| 19.00% / 21.22% |
Starting monthly payment:
| $806.43 |
|
Auction yield range:
| 17.27% - 18.00% |
Estimated loss impact:
| 19.00% | | |
Lender servicing fee:
| 1.00% |
Estimated return:
| -1.00% | | |
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.
Borrower's Credit Profile
Prosper score:
| 4 |
First credit line:
| Jan-1997 |
Debt/Income ratio:
| 21% |
Credit score:
| 720-740 (Jul-2009) |
Current / open credit lines:
| 16
/
11 | Employment status: | Full-time employee |
Now delinquent:
| 0 |
Total credit lines:
| 22 | Length of status: | 1y 3m |
Amount delinquent:
| $0 |
Revolving credit balance:
| $7,486 |
Occupation: | Construction |
Public records last 12m / 10y:
| 0/ 0 |
Bankcard utilization:
| 50% | Stated income: | $100,000+ |
Delinquencies in last 7y:
| 2 |
Homeownership:
| Yes | | |
Inquiries last 6m:
| 3 | | | | |
Screen name:
| lj_tours |
Borrower's state:
| Wyoming |
Borrower's group:
| The Group |
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.
Prosper Activity
Loan history | Payment history | Credit score history |
Active / total loans:
| 1 / 1 |
On-time:
| 31 ( 100% )
| 720-740 (Latest)
|
Principal borrowed:
| $12,500.00 | < mo. late:
| 0
( 0% )
| 640-660
(Nov-2006)
620-640
(Oct-2006)
|
Principal balance:
| $2,116.90 |
1+ mo. late:
| 0
( 0% )
|
Total payments billed:
| 31 | | |
Description
Personal loan
I've had a Prosper loan for nearly 3 years (Will be paid off soon). No missed payments - no late payments.
I'd like to buy an airplane. I have access to a shared plane now but my job takes me across several states to remote areas. A personal plane would be the most logical way for me to travel and still be able to see me family.
My current income is $135,000/yr. I have no problem making payments.
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
416815
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:
| $7,500.00 |
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:
| $339.27 |
|
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.
Borrower's Credit Profile
Prosper score:
| 4 |
First credit line:
| Aug-1993 |
Debt/Income ratio:
| 16% |
Credit score:
| 660-680 (Jul-2009) |
Current / open credit lines:
| 1
/
1 | Employment status: | Full-time employee |
Now delinquent:
| 0 |
Total credit lines:
| 30 | Length of status: | 1y 3m |
Amount delinquent:
| $0 |
Revolving credit balance:
| $0 |
Occupation: | Professional |
Public records last 12m / 10y:
| 0/ 1 |
Bankcard utilization:
| 0% | Stated income: | $25,000-$49,999 |
Delinquencies in last 7y:
| 6 |
Homeownership:
| No | | |
Inquiries last 6m:
| 0 | | | | |
Screen name:
| keiradylanlukas |
Borrower's state:
| Colorado |
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.
Prosper Activity
Loan history | Payment history | Credit score history |
Active / total loans:
| 1 / 1 |
On-time:
| 14 ( 100% )
| 660-680 (Latest)
|
Principal borrowed:
| $6,000.00 | < mo. late:
| 0
( 0% )
| 660-680
(Apr-2008)
|
Principal balance:
| $4,017.54 |
1+ mo. late:
| 0
( 0% )
|
Total payments billed:
| 14 | | |
Description
Pay off Property Taxes
Purpose of loan:
This loan will be used to pay off my 2009 Property taxes and the remaining balance of my first Prosper loan.
My financial situation:
I am a good candidate for this loan because this is my second Prosper loan in which I have not missed a payment for my first loan. I have a steady job with a good company. My wife and I make all of our monthly payments on time and are very responsible individuals
Monthly net income: $ 7000.00 (My wife's and My income combined
Monthly expenses: $ 5700.00
Housing: $ 2000.00
Insurance: $ 300.00
Car expenses: $ 1000.00
Utilities: $ 200.00
Phone, cable, internet: $ 225.00
Food, entertainment: $ 500.00
Clothing, household expenses $ 200.00
Credit cards and other loans: $ 500.00
Other expenses: $ 600.00
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
416826
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:
| $25,000.00 |
Prosper Rating:
| HR | | |
Term:
| 36 months |
Estimated loss:
| 18.0% | | |
|
Starting lender yield:
| 33.30% |
Starting borrower rate/APR:
| 34.30% / 36.74% |
Starting monthly payment:
| $1,121.02 |
|
Auction yield range:
| 17.27% - 33.30% |
Estimated loss impact:
| 19.97% | | |
Lender servicing fee:
| 1.00% |
Estimated return:
| 13.33% | | |
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.
Borrower's Credit Profile
Prosper score:
| 5 |
First credit line:
| Jun-1999 |
Debt/Income ratio:
| 14% |
Credit score:
| 700-720 (Jul-2009) |
Current / open credit lines:
| 17
/
13 | Employment status: | Full-time employee |
Now delinquent:
| 0 |
Total credit lines:
| 30 | Length of status: | 10y 1m |
Amount delinquent:
| $0 |
Revolving credit balance:
| $30,771 |
Occupation: | Professional |
Public records last 12m / 10y:
| 0/ 0 |
Bankcard utilization:
| 56% | Stated income: | $100,000+ |
Delinquencies in last 7y:
| 0 |
Homeownership:
| Yes | | |
Inquiries last 6m:
| 2 | | | | |
Screen name:
| beyondmanagement |
Borrower's state:
| Georgia |
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.
Description
Real estate property overseas
I am an entrepreneur. I run a management consulting company "Beyond Management Inc" Visit us on the web at www.beyondmanagement.org and www.beyondexchange.org. We offer hotel management consultancy, training and IT solutions. We are running a successful business however we need to expand and make a data center so we can provide back-end data support to our clients. Our total estimated cost for the data center is $250, 000. We have enough resources but falling a little behind. My credit score is very good and I have always paid my obligations on time. I prefer prosper to get a lower interest rate and avoid big bank processing fee. I AM ALSO AN ACTIVE LENDER ON PROSPER AND HAVE INVESTED OVER $13,000 IN ACTIVE LOANS AT THIS TIME. I previously got 100% funding on this loan however interest was too high so I withdrew at the last minute. I AM SEEKING AN INTEREST LOWER THAN 10%.
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
416828
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:
| $7,500.00 |
Prosper Rating:
| HR | | |
Term:
| 36 months |
Estimated loss:
| 25.0% | | |
|
Starting lender yield:
| 24.00% |
Starting borrower rate/APR:
| 25.00% / 27.31% |
Starting monthly payment:
| $298.20 |
|
Auction yield range:
| 17.27% - 24.00% |
Estimated loss impact:
| 26.38% | | |
Lender servicing fee:
| 1.00% |
Estimated return:
| -2.38% | | |
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.
Borrower's Credit Profile
Prosper score:
| 3 |
First credit line:
| Jul-1994 |
Debt/Income ratio:
| Not calculated |
Credit score:
| 640-660 (Jul-2009) |
Current / open credit lines:
| 6
/
5 | Employment status: | Full-time employee |
Now delinquent:
| 1 |
Total credit lines:
| 15 | Length of status: | 14y 10m |
Amount delinquent:
| $0 |
Revolving credit balance:
| $14,721 |
Occupation: | Construction |
Public records last 12m / 10y:
| 0/ 0 |
Bankcard utilization:
| 93% | Stated income: | $1-$24,999 |
Delinquencies in last 7y:
| 0 |
Homeownership:
| Yes | | |
Inquiries last 6m:
| 1 | | | | |
Screen name:
| snafu68 |
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.
Description
Bill Consolidation
Purpose of loan:
I am using this loan to consolidate my bills into one payment.
My financial situation:
My income is excellent, I pay all my bills on time or even before they are due. I have no debt other than my house. All other bills are paid by my wife, whose income is not being included in this listing.
Monthly net income: $ 3300.00
Monthly expenses: $
Housing: $ 838.00
Insurance: $ Already paid in full for the year
Car expenses: $ 538.00
Utilities: $
Phone, cable, internet: $
Food, entertainment: $
Clothing, household expenses $
Credit cards and other loans: $
Other expenses: $
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
416831
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:
| HR | | |
Term:
| 36 months |
Estimated loss:
| 18.0% | | |
|
Starting lender yield:
| 17.27% |
Starting borrower rate/APR:
| 18.27% / 20.48% |
Starting monthly payment:
| $181.44 |
|
Auction yield range:
| 17.27% - 17.27% |
Estimated loss impact:
| 18.95% | | |
Lender servicing fee:
| 1.00% |
Estimated return:
| -1.68% | | |
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.
Borrower's Credit Profile
Prosper score:
| 4 |
First credit line:
| Mar-1992 |
Debt/Income ratio:
| 19% |
Credit score:
| 680-700 (Jul-2009) |
Current / open credit lines:
| 5
/
5 | Employment status: | Full-time employee |
Now delinquent:
| 0 |
Total credit lines:
| 10 | Length of status: | 0y 5m |
Amount delinquent:
| $0 |
Revolving credit balance:
| $6,953 |
Occupation: | Military Enlisted |
Public records last 12m / 10y:
| 0/ 1 |
Bankcard utilization:
| 84% | Stated income: | $50,000-$74,999 |
Delinquencies in last 7y:
| 2 |
Homeownership:
| No | | |
Inquiries last 6m:
| 4 | | | | |
Screen name:
| Infantry-Combat-Vet-Afghanistan |
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.
Description
Paying for college
Purpose of loan:
This loan will be used to? realize a lifelong dream of mine to attend Berklee College of Music. I want to attain a Master Certification in Music Production. With this Certification, I plan on starting my own production company with a focus in TV and Film. I recently returned from a year long deployment in Afghanistan and wish to pursue my dreams.
My financial situation:
I am a good candidate for this loan because? I have a very stable job working on Active Duty for the Missouri National Guard. I have been in the military for over 10 years and I plan on retiring on Active Duty with the guard.
Monthly net income: $ 3500.00
Monthly expenses: $
Housing: $ 650.00
Insurance: $ 105.00
Car expenses: $ 250.00
Utilities: $ 100.00
Phone, cable, internet: $ 90.00
Food, entertainment: $450.00
Clothing, household expenses $ 50.00
Credit cards and other loans: $ 350.00
Other expenses: $ 250.00
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
416834
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:
| HR | | |
Term:
| 36 months |
Estimated loss:
| 18.0% | | |
|
Starting lender yield:
| 34.00% |
Starting borrower rate/APR:
| 35.00% / 37.45% |
Starting monthly payment:
| $226.18 |
|
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.
Borrower's Credit Profile
Prosper score:
| 5 |
First credit line:
| Sep-1973 |
Debt/Income ratio:
| 49% |
Credit score:
| 640-660 (Jul-2009) |
Current / open credit lines:
| 18
/
17 | Employment status: | Full-time employee |
Now delinquent:
| 0 |
Total credit lines:
| 43 | Length of status: | 18y 10m |
Amount delinquent:
| $0 |
Revolving credit balance:
| $120,378 |
Occupation: | Teacher |
Public records last 12m / 10y:
| 0/ 0 |
Bankcard utilization:
| 98% | Stated income: | $75,000-$99,999 |
Delinquencies in last 7y:
| 0 |
Homeownership:
| Yes | | |
Inquiries last 6m:
| 4 | | | | |
Screen name:
| stable-transaction |
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.
Description
Paying off credit lines/cards
Purpose of loan:
This loan will be used to? pay off credit lines and credit cards with high interest rates and high monthly payments.
My financial situation:
I am a good candidate for this loan because?I am a teacher with a steady job (20 years) and a steady annual income ($82,280.00 per year). My wife is also an educator, with a steady job (33 years) and a steady annual income ($103,929.00 per year). We pay all of our bills on time and have good credit histories.
Monthly net income: $ 4,513.00 for myself, and $6,747.00 for my wife = $11,260.00 net monthly income.
Monthly expenses: $8,000.00
Housing: $3,700.00
Insurance: $260.00
Car expenses: $ 300.00
Utilities: $ 120.00
Phone, cable, internet: $ 120.00
Food, entertainment: $ 300.00
Clothing, household expenses $ 200.00
Credit cards and other loans: $ 2800.00
Other expenses: $ 200.00
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
416841
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:
| HR | | |
Term:
| 36 months |
Estimated loss:
| 18.0% | | |
|
Starting lender yield:
| 18.00% |
Starting borrower rate/APR:
| 19.00% / 21.22% |
Starting monthly payment:
| $256.59 |
|
Auction yield range:
| 17.27% - 18.00% |
Estimated loss impact:
| 19.00% | | |
Lender servicing fee:
| 1.00% |
Estimated return:
| -1.00% | | |
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.
Borrower's Credit Profile
Prosper score:
| 5 |
First credit line:
| Dec-1997 |
Debt/Income ratio:
| 25% |
Credit score:
| 680-700 (Jul-2009) |
Current / open credit lines:
| 8
/
6 | Employment status: | Full-time employee |
Now delinquent:
| 0 |
Total credit lines:
| 22 | Length of status: | 0y 4m |
Amount delinquent:
| $0 |
Revolving credit balance:
| $783 |
Occupation: | Other |
Public records last 12m / 10y:
| 0/ 1 |
Bankcard utilization:
| 26% | Stated income: | $50,000-$74,999 |
Delinquencies in last 7y:
| 2 |
Homeownership:
| No | | |
Inquiries last 6m:
| 1 | | | | |
Screen name:
| respectful-bonus |
Borrower's state:
| NewYork |
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.
Description
Pay off high interest debt
Purpose of loan:
This loan will be used to?
My financial situation:
I am a good candidate for this loan because?
Monthly net income: $
Monthly expenses: $
Housing: $
Insurance: $
Car expenses: $
Utilities: $
Phone, cable, internet: $
Food, entertainment: $
Clothing, household expenses $
Credit cards and other loans: $
Other expenses: $
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
416845
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:
| $15,000.00 |
Prosper Rating:
| HR | | |
Term:
| 36 months |
Estimated loss:
| 18.0% | | |
|
Starting lender yield:
| 19.00% |
Starting borrower rate/APR:
| 20.00% / 22.24% |
Starting monthly payment:
| $557.45 |
|
Auction yield range:
| 17.27% - 19.00% |
Estimated loss impact:
| 19.06% | | |
Lender servicing fee:
| 1.00% |
Estimated return:
| -0.06% | | |
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.
Borrower's Credit Profile
Prosper score:
| 3 |
First credit line:
| Feb-2001 |
Debt/Income ratio:
| Self-employed (DTI Not Calculated) |
Credit score:
| 740-760 (Jul-2009) |
Current / open credit lines:
| 8
/
8 | Employment status: | Self-employed |
Now delinquent:
| 0 |
Total credit lines:
| 21 | Length of status: | 5y 11m |
Amount delinquent:
| $0 |
Revolving credit balance:
| $16,514 |
Occupation: | Sales - Commission |
Public records last 12m / 10y:
| 0/ 0 |
Bankcard utilization:
| 90% | Stated income: | $50,000-$74,999 |
Delinquencies in last 7y:
| 0 |
Homeownership:
| Yes | | |
Inquiries last 6m:
| 1 | | | | |
Screen name:
| dutyasaurus |
Borrower's state:
| Washington |
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.
Description
Reducing my high interest debt
Purpose of loan:
This loan will be used to strategically consolidate and reduce my high interest debt load. This will reduce my monthy payments and accelerate the reduction of debt significantly.
My financial situation:
I am a good candidate for this loan because I have a history of managing money as a self employed individual. I, like many others, were stung significantly by the market crashing and it took me a while to get back on my feet. I am back and ready to make good financial decisions to help get my nest egg where it needs to be.
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
416849
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:
| $25,000.00 |
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:
| $824.64 |
|
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.
Borrower's Credit Profile
Prosper score:
| 7 |
First credit line:
| Apr-1992 |
Debt/Income ratio:
| 15% |
Credit score:
| 820-840 (Jul-2009) |
Current / open credit lines:
| 9
/
7 | Employment status: | Full-time employee |
Now delinquent:
| 0 |
Total credit lines:
| 22 | Length of status: | 5y 7m |
Amount delinquent:
| $0 |
Revolving credit balance:
| $0 |
Occupation: | Other |
Public records last 12m / 10y:
| 0/ 0 |
Bankcard utilization:
| 0% | Stated income: | $50,000-$74,999 |
Delinquencies in last 7y:
| 0 |
Homeownership:
| Yes | | |
Inquiries last 6m:
| 0 | | | | |
Screen name:
| jsledge |
Borrower's state:
| Georgia |
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.
Prosper Activity
Loan history | Payment history | Credit score history |
Active / total loans:
| 0 / 1 |
On-time:
| 7 ( 100% )
| 820-840 (Latest)
|
Principal borrowed:
| $3,001.00 | < mo. late:
| 0
( 0% )
| 800-820
(Feb-2007)
|
Principal balance:
| $0.00 |
1+ mo. late:
| 0
( 0% )
|
Total payments billed:
| 7 | | |
Description
Fixing up an investment property
Updated:
Updated to increase the percentage rate
Purpose of loan:
This loan will be used to remodel a home I purchased. This money will be used to fix the following items:
Replace the roof
Replace the gutters
Remove & replace the interior doors
Prep & Paint the interior
Remodel the master bathroom
Remodel the hall bathroom
Remodel the kitchen
Sand & Seal the hardwood floors
Install Linoleum in the kitchen and bathrooms
Replace appliances
I have pictures of the property if you are interested. I am documenting the progress and have a breakdown of all the costs as well.
My financial situation:
I am a good candidate for this loan because my credit score is over 800 and have never been late for any payments.
Feel free to contact me if you have any questions.
Information in the Description is not verified.