Listing Report:Supplement No. 187 dated Mar 09, 2010 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
250686
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:
| $2,700.00 |
Prosper Rating:
| HR |
Auction Duration:
| 7 days
|
|
Term:
| 36 months |
Estimated loss:
| 18.0% | | |
| | | |
|
|
Starting lender yield:
| 34.00% |
Starting borrower rate/APR:
| 35.00% / 37.45% |
Starting monthly payment:
| $122.14 |
| |
|
Auction yield range:
| 17.04% - 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 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 scores:
| |
First credit line:
| Aug-1996 |
Debt/Income ratio:
| Self-employed (DTI Not Calculated) |
|
Basic (1-10):
| 4 |
Inquiries last 6m:
| 1 | Employment status: | Self-employed |
| Enhanced (1-5): | 1 |
Current / open credit lines:
| 10
/
8 | Length of status: | 1y 4m |
|
Credit score:
| 680-699 (Mar-2010) |
Total credit lines:
| 71 |
Occupation: | Sales - Commission |
|
Now delinquent:
| 4 |
Revolving credit balance:
| $0 | Stated income: | $1-$24,999 |
|
Amount delinquent:
| $3,885 |
Bankcard utilization:
| 0% | | |
|
Public records last 12m / 10y:
| 0/ 1 |
Homeownership:
| No | | |
|
Delinquencies in last 7y:
| 4 | | | | |
|
Screen name:
| leftydee71 |
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
paying off loans.
Purpose of loan:?loan will be used to buy a home study course that will allow me to secure an average earning of 2,500.monthly or more.
My financial situation:
I am a good candidate for this loan because?
Good standing w/all local loans.
Monthly net income: $ $1500.00
Monthly expenses: $
??Housing: $ 0
??Insurance: $ 75.00
??Car expenses: $ 100.00
??Utilities: $ 175.00
??Phone, cable, internet: $ 60.00
??Food, entertainment: $ 150.00
??Clothing, household expenses $ 50.00
??Credit cards and other loans: $
??Other expenses:
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
440912
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:
| A |
Auction Duration:
| 7 days
|
|
Term:
| 36 months |
Estimated loss:
| 2.1% | | |
| | | |
|
|
Starting lender yield:
| 9.38% |
Starting borrower rate/APR:
| 10.38% / 12.49% |
Starting monthly payment:
| $243.34 |
| |
|
Auction yield range:
| 4.04% - 9.38% |
Estimated loss impact:
| 2.13% | | |
|
Lender servicing fee:
| 1.00% |
Estimated return:
| 7.25% | | |
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 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 scores:
| |
First credit line:
| Oct-1990 |
Debt/Income ratio:
| 26% |
|
Basic (1-10):
| 8 |
Inquiries last 6m:
| 3 | Employment status: | Full-time employee |
| Enhanced (1-5): | 2 |
Current / open credit lines:
| 12
/
12 | Length of status: | 23y 6m |
|
Credit score:
| 760-779 (Mar-2010) |
Total credit lines:
| 41 |
Occupation: | Other |
|
Now delinquent:
| 0 |
Revolving credit balance:
| $47,108 | Stated income: | $50,000-$74,999 |
|
Amount delinquent:
| $0 |
Bankcard utilization:
| 44% | | |
|
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| Yes | | |
|
Delinquencies in last 7y:
| 0 | | | | |
|
Screen name:
| newest-serene-liberty |
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
Paying off credit cards
Purpose of loan:
This loan will be used to consolidate some of the credit card balances I have.
My financial situation:
I am a good candidate for this loan because I am already paying the payments.? I might as well pay some generous people rather than the bank.? I intend to pay off all my credit as quickly as I can so I can put myself on a path to financial freedom.? Don't be afraid of the high debt to income ratio.? Most of my debt is in assets that can be quickly liquidated if need be.? Thanks for your help!
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
448000
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 |
Auction Duration:
| 7 days
|
|
Term:
| 36 months |
Estimated loss:
| 18.0% | | |
| | | |
|
|
Starting lender yield:
| 17.04% |
Starting borrower rate/APR:
| 18.04% / 20.25% |
Starting monthly payment:
| $253.21 |
| |
|
Auction yield range:
| 17.04% - 17.04% |
Estimated loss impact:
| 18.94% | | |
|
Lender servicing fee:
| 1.00% |
Estimated return:
| -1.90% | | |
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 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 scores:
| |
First credit line:
| Jul-1994 |
Debt/Income ratio:
| 18% |
|
Basic (1-10):
| 4 |
Inquiries last 6m:
| 0 | Employment status: | Full-time employee |
| Enhanced (1-5): | 5 |
Current / open credit lines:
| 9
/
6 | Length of status: | 16y 7m |
|
Credit score:
| 660-679 (Feb-2010) |
Total credit lines:
| 25 |
Occupation: | Military Officer |
|
Now delinquent:
| 1 |
Revolving credit balance:
| $7,852 | Stated income: | $75,000-$99,999 |
|
Amount delinquent:
| $12,237 |
Bankcard utilization:
| 79% | | |
|
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| Yes | | |
|
Delinquencies in last 7y:
| 13 | | | | |
|
Screen name:
| wealth-architect |
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
replace floor for renters, painting
Purpose of loan:
This loan will be used?to pay for the installation and material of linoleum flooring and repair the house for the new renters that are renting the house.? 12 month lease,?and the repairs are in process. the rent is 1200 a month which has been included in the income.
My financial situation:
I am a good candidate for this loan because I can pay the loan back.
Monthly net income: $
6630
Monthly expenses: $
??Housing: $1300
??Insurance:?68
??Car expenses:?150
??Utilities:?free
??Phone, cable, internet: $124
??Food, entertainment:?500?
??Clothing, household expenses $100
??Credit cards and other loans:?1200
??Other expenses: mortgage 900
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Information in the Description is not verified.
Borrower Payment Dependent Notes Series
449244
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:
| HR |
Auction Duration:
| 7 days
|
|
Term:
| 36 months |
Estimated loss:
| 18.0% | | |
| | | |
|
|
Starting lender yield:
| 29.00% |
Starting borrower rate/APR:
| 30.00% / 32.38% |
Starting monthly payment:
| $1,018.84 |
| |
|
Auction yield range:
| 17.04% - 29.00% |
Estimated loss impact:
| 19.69% | | |
|
Lender servicing fee:
| 1.00% |
Estimated return:
| 9.31% | | |
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 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 scores:
| |
First credit line:
| Oct-1999 |
Debt/Income ratio:
| 60% |
|
Basic (1-10):
| 4 |
Inquiries last 6m:
| 2 | Employment status: | Full-time employee |
| Enhanced (1-5): | 3 |
Current / open credit lines:
| 10
/
7 | Length of status: | 9y 7m |
|
Credit score:
| 640-659 (Mar-2010) |
Total credit lines:
| 26 |
Occupation: | Military Enlisted |
|
Now delinquent:
| 0 |
Revolving credit balance:
| $21,016 | Stated income: | $50,000-$74,999 |
|
Amount delinquent:
| $0 |
Bankcard utilization:
| 59% | | |
|
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| No | | |
|
Delinquencies in last 7y:
| 0 | | | | |
|
Screen name:
| balance-plane |
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
Soldier wants to pay off Debt
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Purpose of loan:
This loan will be used to pay off my credit cards so that I can get a better
hold on Life. I am a soldier and though my pay is good, I would like to
eliminate my debt to better support my family and start planning and saving for
the future. This loan would not only clear my credit card debt, but would help
me establish a better credit score and help me be more financially sound.
My financial situation:
I am a good candidate for this loan because I have a solid job and I plan to
stay with the army another 10 years or more. I get a steady income and I have a
great payment history. I know my credit score is low, but it has come a long
way since my divorce in 2007. I can even set an allotment straight out of my
paycheck if needed. I am very meticulous with my monthly budget. I account for
my whole paycheck. I am very good about paying extra on all my accounts.
Monthly net income: $ 3954.63????????????????????????
My Pay stub shows I receive more money than my W2 because I receive money for
housing and food that is non-taxable.
Monthly expenses: $
??Housing: $ 820
??Insurance: $ 116
??Car expenses: $ 644
??Utilities: $ 150
??Phone, cable, internet: $ 100
??Food, entertainment: $ 250
??Clothing, household expenses $ 50
??Credit cards and other loans: $ 1088
??Other expenses: $ 50
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
449358
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 |
Auction Duration:
| 7 days
|
|
Term:
| 36 months |
Estimated loss:
| 25.0% | | |
| | | |
|
|
Starting lender yield:
| 25.00% |
Starting borrower rate/APR:
| 26.00% / 28.32% |
Starting monthly payment:
| $201.45 |
| |
|
Auction yield range:
| 17.04% - 25.00% |
Estimated loss impact:
| 26.44% | | |
|
Lender servicing fee:
| 1.00% |
Estimated return:
| -1.44% | | |
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 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 scores:
| |
First credit line:
| Oct-1998 |
Debt/Income ratio:
| 25% |
|
Basic (1-10):
| 2 |
Inquiries last 6m:
| 1 | Employment status: | Full-time employee |
| Enhanced (1-5): | 4 |
Current / open credit lines:
| 7
/
2 | Length of status: | 3y 7m |
|
Credit score:
| 660-679 (Feb-2010) |
Total credit lines:
| 19 |
Occupation: | Other |
|
Now delinquent:
| 0 |
Revolving credit balance:
| $5,751 | Stated income: | $25,000-$49,999 |
|
Amount delinquent:
| $0 |
Bankcard utilization:
| 99% | | |
|
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| Yes | | |
|
Delinquencies in last 7y:
| 25 | | | | |
|
Screen name:
| debtfree11 |
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
Debt Consolidation
Loan to be used to payoff a personal loan.? I would much rather pay you interest than pay this company interest.
My wife & I have gained tremendous ground from where we were.? We have paid off some cc's, and are current on everything....doing things the honest way.? Our son was diagnosed with autism when he was 3, so medical bills fell on top of our cc debt.? My wife & I both have 2 jobs, & are determined to get out of this hole!?
Take Home Pay:? $2000/mo.? $300/mo (second job)
Wife:? $1500/mo.? $200/mo. (second job)
Mortgage:? $405 (including taxes & ins.)
Utilities:? $530
Cable:? $45
Groceries: $500
Debt Pmts:? $780
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
449388
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 |
Auction Duration:
| 7 days
|
|
Term:
| 36 months |
Estimated loss:
| 6.2% | | |
| | | |
|
|
Starting lender yield:
| 22.29% |
Starting borrower rate/APR:
| 23.29% / 25.57% |
Starting monthly payment:
| $971.53 |
| |
|
Auction yield range:
| 8.04% - 22.29% |
Estimated loss impact:
| 6.73% | | |
|
Lender servicing fee:
| 1.00% |
Estimated return:
| 15.56% | | |
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 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 scores:
| |
First credit line:
| May-1992 |
Debt/Income ratio:
| 23% |
|
Basic (1-10):
| 5 |
Inquiries last 6m:
| 3 | Employment status: | Full-time employee |
| Enhanced (1-5): | 3 |
Current / open credit lines:
| 12
/
12 | Length of status: | 8y 9m |
|
Credit score:
| 820-839 (Mar-2010) |
Total credit lines:
| 40 |
Occupation: | Computer Programmer |
|
Now delinquent:
| 0 |
Revolving credit balance:
| $47,950 | Stated income: | $100,000+ |
|
Amount delinquent:
| $0 |
Bankcard utilization:
| 43% | | |
|
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| Yes | | |
|
Delinquencies in last 7y:
| 0 | | | | |
|
Screen name:
| equitable-compassion6 |
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
Inventory for New Location
Purpose of loan:
This loan will be used to finance the inventory for a new gas station
My financial situation:
I am a good candidate for this loan because of my excellent credit history, and my professional experience.
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
449394
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:
| $4,000.00 |
Prosper Rating:
| A |
Auction Duration:
| 7 days
|
|
Term:
| 36 months |
Estimated loss:
| 2.1% | | |
| | | |
|
|
Starting lender yield:
| 15.50% |
Starting borrower rate/APR:
| 16.50% / 18.69% |
Starting monthly payment:
| $141.62 |
| |
|
Auction yield range:
| 4.04% - 15.50% |
Estimated loss impact:
| 2.16% | | |
|
Lender servicing fee:
| 1.00% |
Estimated return:
| 13.34% | | |
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 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 scores:
| |
First credit line:
| Feb-2001 |
Debt/Income ratio:
| 3% |
|
Basic (1-10):
| 9 |
Inquiries last 6m:
| 3 | Employment status: | Full-time employee |
| Enhanced (1-5): | 3 |
Current / open credit lines:
| 2
/
1 | Length of status: | 2y 2m |
|
Credit score:
| 740-759 (Feb-2010) |
Total credit lines:
| 3 |
Occupation: | Engineer - Mechanic... |
|
Now delinquent:
| 0 |
Revolving credit balance:
| $0 | Stated income: | $50,000-$74,999 |
|
Amount delinquent:
| $0 |
Bankcard utilization:
| 0% | | |
|
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| No | | |
|
Delinquencies in last 7y:
| 4 | | | | |
|
Screen name:
| Water-Engineer |
Borrower's state:
| California |
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.
Description
Refurnishing my home
Purpose of loan:
This loan will be used to purchase furnishings for my apartment.? I need a bed, dressers, TV, couch, refrigerator, desk, table and chairs, and shelving.? I have been living in a cramped apartment too long so I moved to a place with more room.? I need to fill up some of the empty space with new furniture and appliances.
My financial situation:
I am a good candidate for this loan because I make $65,000/year which is plenty to pay off this loan.??I have no debt, and have had a stable job as an engineer for over 2 years.? My employer has promised me that my position is safe, even in these tough economic times.? You can count on me to pay back every dime!? Thank you in advance for all your help!
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
449400
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:
| E |
Auction Duration:
| 7 days
|
|
Term:
| 36 months |
Estimated loss:
| 14.0% | | |
| | | |
|
|
Starting lender yield:
| 34.00% |
Starting borrower rate/APR:
| 35.00% / 37.45% |
Starting monthly payment:
| $226.18 |
| |
|
Auction yield range:
| 14.04% - 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 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 scores:
| |
First credit line:
| Dec-1996 |
Debt/Income ratio:
| 42% |
|
Basic (1-10):
| 6 |
Inquiries last 6m:
| 3 | Employment status: | Full-time employee |
| Enhanced (1-5): | 2 |
Current / open credit lines:
| 13
/
11 | Length of status: | 26y 6m |
|
Credit score:
| 660-679 (Feb-2010) |
Total credit lines:
| 33 |
Occupation: | Military Enlisted |
|
Now delinquent:
| 0 |
Revolving credit balance:
| $5,088 | Stated income: | $25,000-$49,999 |
|
Amount delinquent:
| $0 |
Bankcard utilization:
| 30% | | |
|
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| No | | |
|
Delinquencies in last 7y:
| 1 | | | | |
|
Screen name:
| glimmering-dollar4 |
Borrower's state:
| Arizona |
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 payday loans
Purpose of loan:
This loan will be used to pay off payday loans and get caught up with bills????
My financial situation:
I am a good candidate for this loan because?I am a hard working servicemember who is just trying to provide a better life for my family. All?I am asking for is a little help to get out of this mess that i got my family into. I am active duty Coast Guard?and have been for more than 20 years. Any help that you can give is greatly apperciated and thank you for your time and attention with this important matter.
Monthly net income: $ 4750
Monthly expenses: $
??Housing: $ 850
??Insurance: $ 100
??Car expenses: $ 491
??Utilities: $ 45
??Phone, cable, internet: $ 150
??Food, entertainment: $ 400
??Clothing, household expenses $ 50
??Credit cards and other loans: $ 1200
??Other expenses: $
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
449406
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:
| D |
Auction Duration:
| 7 days
|
|
Term:
| 36 months |
Estimated loss:
| 10.0% | | |
| | | |
|
|
Starting lender yield:
| 25.45% |
Starting borrower rate/APR:
| 26.45% / 28.78% |
Starting monthly payment:
| $607.96 |
| |
|
Auction yield range:
| 11.04% - 25.45% |
Estimated loss impact:
| 10.63% | | |
|
Lender servicing fee:
| 1.00% |
Estimated return:
| 14.82% | | |
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 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 scores:
| |
First credit line:
| Apr-1978 |
Debt/Income ratio:
| 21% |
|
Basic (1-10):
| 7 |
Inquiries last 6m:
| 0 | Employment status: | Full-time employee |
| Enhanced (1-5): | 4 |
Current / open credit lines:
| 17
/
16 | Length of status: | 21y 2m |
|
Credit score:
| 740-759 (Mar-2010) |
Total credit lines:
| 41 |
Occupation: | Professional |
|
Now delinquent:
| 0 |
Revolving credit balance:
| $148,445 | Stated income: | $100,000+ |
|
Amount delinquent:
| $0 |
Bankcard utilization:
| 94% | | |
|
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| Yes | | |
|
Delinquencies in last 7y:
| 0 | | | | |
|
Screen name:
| exuberant-order5 |
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
Wedding Loan
Purpose of loan:
This loan will be used to pay for my fourth daughter's wedding.? I have put?four daughters thru private schools and college and paid for three weddings and beginning?to pay on the last one.??
My financial situation:
I am a good candidate for this loan because I have enough cash flow to cover the payments while my other debt is?declining.? Two of my loans end in 2010.? I?make all payments on?time.????Both my wife and I have secure jobs with Bank of America?and Carefirst Blue Cross & Blue Shield of Maryland.? My wife makes $73K per year.?We have 401K's worth over $500K as of January 2010,??We fund our 401Ks with 6% of my salary and 8% of hers plus company matching .? We can always reduce our contributions if we would get into a cash flow crunch.
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
449412
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:
| $8,300.00 |
Prosper Rating:
| HR |
Auction Duration:
| 7 days
|
|
Term:
| 36 months |
Estimated loss:
| 18.0% | | |
| | | |
|
|
Starting lender yield:
| 18.60% |
Starting borrower rate/APR:
| 19.60% / 21.83% |
Starting monthly payment:
| $306.77 |
| |
|
Auction yield range:
| 17.04% - 18.60% |
Estimated loss impact:
| 19.04% | | |
|
Lender servicing fee:
| 1.00% |
Estimated return:
| -0.44% | | |
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 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 scores:
| |
First credit line:
| Oct-2005 |
Debt/Income ratio:
| Not calculated |
|
Basic (1-10):
| 4 |
Inquiries last 6m:
| 1 | Employment status: | Full-time employee |
| Enhanced (1-5): | 5 |
Current / open credit lines:
| 7
/
4 | Length of status: | 5y 2m |
|
Credit score:
| 720-739 (Feb-2010) |
Total credit lines:
| 11 |
Occupation: | Construction |
|
Now delinquent:
| 0 |
Revolving credit balance:
| $5 | Stated income: | $0 |
|
Amount delinquent:
| $0 |
Bankcard utilization:
| 0% | | |
|
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| Yes | | |
|
Delinquencies in last 7y:
| 0 | | | | |
|
Screen name:
| usergd182 |
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:
| 0 / 1 |
On-time:
| 23 ( 96% )
| 720-739 (Latest)
|
|
Principal borrowed:
| $6,000.00 | < mo. late:
| 1
( 4% )
| 700-719
(Feb-2008)
|
|
Principal balance:
| $0.00 |
1+ mo. late:
| 0
( 0% )
|
|
Total payments billed:
| 24 | | |
Description
Mainly improve credit score
To whom it may concern,
? I am taking out this loan for the main purpose of improving my credit score and the minor purpose of fixing up my family's recently purchased house. It is a great investment opportunity for you as there is no risk involved. I have a full time job as a carpenter making $25 an hour, have 2 savings accounts with over $7000 in them and am investing in a house in Des Plaines. I don't really have any expenses other than my insurance, cell phone and car payments. All of my other money I am either saving or putting into the house I am fixing up to sell.
??? I have only taken out 1 loan before and that had to be done with a cosigner because my credit was too light. The loan was for the 2007 Pontiac G6 that i recently purchased. I am about half way finished with paying that off but my credit remains very light and my score is only 700. I would like to be able to get a loan by myself and after paying off this loan my credit score should get a lot higher. Lending to this loan will help both of us out and be a great and safe investment for you.
Thank you for your time and help.
Sincerely
JMG
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
449418
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 |
Auction Duration:
| 7 days
|
|
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:
| 17.04% - 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 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 scores:
| |
First credit line:
| Jul-2007 |
Debt/Income ratio:
| 30% |
|
Basic (1-10):
| 3 |
Inquiries last 6m:
| 0 | Employment status: | Full-time employee |
| Enhanced (1-5): | 1 |
Current / open credit lines:
| 2
/
1 | Length of status: | 2y 1m |
|
Credit score:
| 640-659 (Feb-2010) |
Total credit lines:
| 4 |
Occupation: | Military Enlisted |
|
Now delinquent:
| 0 |
Revolving credit balance:
| $0 | Stated income: | $1-$24,999 |
|
Amount delinquent:
| $0 |
Bankcard utilization:
| 0% | | |
|
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| No | | |
|
Delinquencies in last 7y:
| 0 | | | | |
|
Screen name:
| fairness-prairie |
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.
Description
Debt Consolidation of Bills
Purpose of loan:
This loan will be used to consolidate debt
My financial situation:
I am a good candidate for this loan because I'm active?duty military, so I have a guaranteed income.?
Monthly net income: $ 2400
Monthly expenses: $ 1450
??Housing: $ 630
??Insurance: $ 100
??Car expenses: $ 200
??Utilities: $ 150
??Phone, cable, internet: $ 100
??Food, entertainment: $
??Clothing, household expenses $
??Credit cards and other loans: $ 270
??Other expenses: $
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
449424
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 |
Auction Duration:
| 7 days
|
|
Term:
| 36 months |
Estimated loss:
| 34.5% | | |
| | | |
|
|
Starting lender yield:
| 27.00% |
Starting borrower rate/APR:
| 28.00% / 30.35% |
Starting monthly payment:
| $827.27 |
| |
|
Auction yield range:
| 17.04% - 27.00% |
Estimated loss impact:
| 36.07% | | |
|
Lender servicing fee:
| 1.00% |
Estimated return:
| -9.07% | | |
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 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 scores:
| |
First credit line:
| Mar-1987 |
Debt/Income ratio:
| 75% |
|
Basic (1-10):
| 1 |
Inquiries last 6m:
| 2 | Employment status: | Full-time employee |
| Enhanced (1-5): | 2 |
Current / open credit lines:
| 7
/
7 | Length of status: | 1y 6m |
|
Credit score:
| 640-659 (Feb-2010) |
Total credit lines:
| 18 |
Occupation: | Other |
|
Now delinquent:
| 1 |
Revolving credit balance:
| $3,514 | Stated income: | $1-$24,999 |
|
Amount delinquent:
| $646 |
Bankcard utilization:
| 15% | | |
|
Public records last 12m / 10y:
| 0/ 1 |
Homeownership:
| Yes | | |
|
Delinquencies in last 7y:
| 4 | | | | |
|
Screen name:
| tazerpup |
Borrower's state:
| Montana |
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 / 2 |
On-time:
| 55 ( 100% )
| 640-659 (Latest)
|
|
Principal borrowed:
| $15,500.00 | < mo. late:
| 0
( 0% )
| 660-679
(Jan-2008)
700-719
(Mar-2007)
|
|
Principal balance:
| $3,264.87 |
1+ mo. late:
| 0
( 0% )
|
|
Total payments billed:
| 55 | | |
Description
Debt Reconstruction/Business Loan
Purpose of loan:
This loan will be used to reconstruct my current debt into one?easy monthly payment and for expanding my business.???
My financial situation:
I am a good candidate for this loan because I have ample income to make the monthly payments.? I have had two previous Prosper Loans, one active, one paid in full.? I have never missed a payment and I love the convience of the ACH.? I have been?in a Lease to Purchase contract for ?a motel, restaurant and tavern for the? past year and a half, and I am now ready to purchase this business.? I will use this loan to reconstruct my credit card debt and?pay off my active Prosper loan.? This will improve my credit score in order?for me to?secure a business loan for purchase.? In today's economy, lending restrictions are harsh, but possible.
???? I recently got married, and my husband shares our monthly expenses.? He is an independent contractor (drywall) and he further helps me with our business venture.? I am not sure why I am listed at HR, for I have an Experian Score of 687.? My mortgage company has me listed as being delinquent, and that is not true.? I will provide anyone with my current morgage statement that shows that this account is current.? I am still working with them to get this removed. I will provide any information that you may need to prove that I am an excellent candidate for repayment.? Thank you in advance for your consideration.
Monthly net income: $2,000.00 salary?? (Business grosses approx. $13,000.00 per month)?
Monthly expenses: $1,510.00--This is?our total monthly expenses for which we share.?
??Housing: $ 650.00?
??Insurance: $100.00
??Car expenses: $50.00
??Utilities: $ 60.00
??Phone, cable, internet: $50.00
??Food, entertainment: $50.00--I eat at my own establishment
??Clothing, household expenses $ 50.00
??Credit cards and other loans: $500.00--I pay more than the minimum?
??Other expenses: $ 0
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
449436
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:
| $4,900.00 |
Prosper Rating:
| A |
Auction Duration:
| 7 days
|
|
Term:
| 36 months |
Estimated loss:
| 2.1% | | |
| | | |
|
|
Starting lender yield:
| 8.38% |
Starting borrower rate/APR:
| 9.38% / 11.48% |
Starting monthly payment:
| $156.69 |
| |
|
Auction yield range:
| 4.04% - 8.38% |
Estimated loss impact:
| 2.12% | | |
|
Lender servicing fee:
| 1.00% |
Estimated return:
| 6.26% | | |
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 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 scores:
| |
First credit line:
| Jul-2000 |
Debt/Income ratio:
| Not calculated |
|
Basic (1-10):
| 8 |
Inquiries last 6m:
| 0 | Employment status: | Full-time employee |
| Enhanced (1-5): | 5 |
Current / open credit lines:
| 8
/
8 | Length of status: | 4y 3m |
|
Credit score:
| 760-779 (Mar-2010) |
Total credit lines:
| 19 |
Occupation: | Military Enlisted |
|
Now delinquent:
| 0 |
Revolving credit balance:
| $2,339 | Stated income: | $50,000-$74,999 |
|
Amount delinquent:
| $0 |
Bankcard utilization:
| 8% | | |
|
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| No | | |
|
Delinquencies in last 7y:
| 0 | | | | |
|
Screen name:
| Hannibal2010 |
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
Legal Fees & Inc --- FICO 800
I am a veteran, former US Army Paratrooper. I am coordinating the sale of airport security checkpoint equipment and have the pieces in place for the deal. I wish to take the extra steps to add financial protection to the deal. I will use this money to form a corporation and pay legal fees in order to ensure that everything in the legal contract is without error. I will use a portion of this loan to pay off business expenses that I incurred putting this deal together. I had to carry a balance (@ $2000) on my business credit card for the first time and will pay this off immediately. My FICO score has been around 800 for years. I do not want to carry a balance on my business credit card for these expenses and risk lowering my score.
I regularly meet with SBA and SCORE small business representatives for advice. I have a BA degree and have begun graduate level coursework. I am pursuing an MA in National Security studies using the Post 9/11 GI Bill. I have excellent writing skills. I have excellent negotiation skills. I have excellent project management skills. I will see this project through in the same way I have come through on projects in the past.
My living expenses are:
Rent: $925/mo
Utilities: $100/mo
TV Service: None
Groceries/Food: $150/mo
Internet: $40/mo
Car Payment: None/2001 Dodge Cummins 2500 truck paid off/owned outright since 2005.
Thank you for your bid and support.
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
449448
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:
| $2,550.00 |
Prosper Rating:
| D |
Auction Duration:
| 7 days
|
|
Term:
| 36 months |
Estimated loss:
| 10.0% | | |
| | | |
|
|
Starting lender yield:
| 26.38% |
Starting borrower rate/APR:
| 27.38% / 29.72% |
Starting monthly payment:
| $104.62 |
| |
|
Auction yield range:
| 11.04% - 26.38% |
Estimated loss impact:
| 10.66% | | |
|
Lender servicing fee:
| 1.00% |
Estimated return:
| 15.72% | | |
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 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 scores:
| |
First credit line:
| Apr-1996 |
Debt/Income ratio:
| Not calculated |
|
Basic (1-10):
| 7 |
Inquiries last 6m:
| 1 | Employment status: | Full-time employee |
| Enhanced (1-5): | 4 |
Current / open credit lines:
| 5
/
5 | Length of status: | 0y 4m |
|
Credit score:
| 660-679 (Feb-2010) |
Total credit lines:
| 20 |
Occupation: | Truck Driver |
|
Now delinquent:
| 0 |
Revolving credit balance:
| $1,306 | Stated income: | $25,000-$49,999 |
|
Amount delinquent:
| $0 |
Bankcard utilization:
| 46% | | |
|
Public records last 12m / 10y:
| 0/ 1 |
Homeownership:
| No | | |
|
Delinquencies in last 7y:
| 3 | | | | |
|
Screen name:
| finance-equator |
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
Purchase a Class 8 Truck
Purpose of loan:
This loan will be used to? Purchase a Class 8 Truck
My financial situation:
I am a good candidate for this loan because? I don't have alot of big depts
Monthly net income: $ 2180
Monthly expenses: $
??Housing: $ 375
??Insurance: $
??Car expenses: $ 181.39
??Utilities: $
??Phone, cable, internet: $ 171
??Food, entertainment: $
??Clothing, household expenses $
??Credit cards and other loans: $ 100
??Other expenses: $
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
449484
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 |
Auction Duration:
| 7 days
|
|
Term:
| 36 months |
Estimated loss:
| 10.0% | | |
| | | |
|
|
Starting lender yield:
| 26.38% |
Starting borrower rate/APR:
| 27.38% / 29.72% |
Starting monthly payment:
| $82.06 |
| |
|
Auction yield range:
| 11.04% - 26.38% |
Estimated loss impact:
| 10.66% | | |
|
Lender servicing fee:
| 1.00% |
Estimated return:
| 15.72% | | |
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 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 scores:
| |
First credit line:
| Feb-1999 |
Debt/Income ratio:
| 25% |
|
Basic (1-10):
| 8 |
Inquiries last 6m:
| 2 | Employment status: | Full-time employee |
| Enhanced (1-5): | 2 |
Current / open credit lines:
| 5
/
4 | Length of status: | 3y 8m |
|
Credit score:
| 640-659 (Mar-2010) |
Total credit lines:
| 31 |
Occupation: | Scientist |
|
Now delinquent:
| 0 |
Revolving credit balance:
| $10,766 | Stated income: | $25,000-$49,999 |
|
Amount delinquent:
| $0 |
Bankcard utilization:
| 90% | | |
|
Public records last 12m / 10y:
| 0/ 1 |
Homeownership:
| No | | |
|
Delinquencies in last 7y:
| 4 | | | | |
|
Screen name:
| gold-corps9 |
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.
Description
Quick debt consolidation loan
Purpose of loan:
Consolidate debt????
My financial situation:
Even though I have a lower credit?score due to a bankruptcy I had?3 years ago due to medical bills that I had,?I?have been current?on all of my loans since then as you can see from my?credit rating.? I have?made?more than the minimum payments each month since and I?just want to get my loan paid off quicker.? I work as a researcher for a local hospital doing genetic research and?as you can see below,?my wife and I have plenty of?cash at the end of the month to pay off our loans and?obligations.? I think this would make?us a great candidate?to loan to with a promise to payback the loan.? ?
Monthly net income: $
4100
Monthly expenses: $
??Housing: $ 700?
??Insurance: $?110
??Car expenses: $ 225?
??Utilities: $ -
??Phone, cable, internet: $?120
??Food, entertainment: $ 500
??Clothing, household expenses $?400
??Credit cards and other loans: $ 500?
??Medical Bills:?$ 300
Total: $1100 per month?so as you can see we still cover?our bills by a large margin.
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
449490
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:
| D |
Auction Duration:
| 7 days
|
|
Term:
| 36 months |
Estimated loss:
| 10.0% | | |
| | | |
|
|
Starting lender yield:
| 34.00% |
Starting borrower rate/APR:
| 35.00% / 37.45% |
Starting monthly payment:
| $316.65 |
| |
|
Auction yield range:
| 11.04% - 34.00% |
Estimated loss impact:
| 10.87% | | |
|
Lender servicing fee:
| 1.00% |
Estimated return:
| 23.13% | | |
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 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 scores:
| |
First credit line:
| May-1969 |
Debt/Income ratio:
| 13% |
|
Basic (1-10):
| 7 |
Inquiries last 6m:
| 2 | Employment status: | Full-time employee |
| Enhanced (1-5): | 4 |
Current / open credit lines:
| 8
/
8 | Length of status: | 5y 4m |
|
Credit score:
| 760-779 (Mar-2010) |
Total credit lines:
| 27 |
Occupation: | Other |
|
Now delinquent:
| 0 |
Revolving credit balance:
| $30,789 | Stated income: | $50,000-$74,999 |
|
Amount delinquent:
| $0 |
Bankcard utilization:
| 66% | | |
|
Public records last 12m / 10y:
| 0/ 1 |
Homeownership:
| Yes | | |
|
Delinquencies in last 7y:
| 0 | | | | |
|
Screen name:
| course9 |
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.
Description
buying a car
The purpose of this loan is to buy a car.
I am more than capable to make monthly payments of $500
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
449496
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:
| A |
Auction Duration:
| 7 days
|
|
Term:
| 36 months |
Estimated loss:
| 2.1% | | |
| | | |
|
|
Starting lender yield:
| 8.38% |
Starting borrower rate/APR:
| 9.38% / 11.48% |
Starting monthly payment:
| $63.95 |
| |
|
Auction yield range:
| 4.04% - 8.38% |
Estimated loss impact:
| 2.12% | | |
|
Lender servicing fee:
| 1.00% |
Estimated return:
| 6.26% | | |
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 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 scores:
| |
First credit line:
| Sep-1982 |
Debt/Income ratio:
| 13% |
|
Basic (1-10):
| 9 |
Inquiries last 6m:
| 0 | Employment status: | Full-time employee |
| Enhanced (1-5): | 5 |
Current / open credit lines:
| 9
/
7 | Length of status: | 19y 2m |
|
Credit score:
| 760-779 (Mar-2010) |
Total credit lines:
| 57 |
Occupation: | Computer Programmer |
|
Now delinquent:
| 0 |
Revolving credit balance:
| $117,774 | Stated income: | $75,000-$99,999 |
|
Amount delinquent:
| $0 |
Bankcard utilization:
| 98% | | |
|
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| Yes | | |
|
Delinquencies in last 7y:
| 1 | | | | |
|
Screen name:
| Lumianta |
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? payoff a credit card and lower the interest.
My financial situation:
I am a good candidate for this loan because?I always cover my debts, but I am dangerously close to being overextended.? I need this loan to help me out of this position.? I would not default on any loan, because it could impact my job.
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
449502
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 |
Auction Duration:
| 7 days
|
|
Term:
| 36 months |
Estimated loss:
| 8.5% | | |
| | | |
|
|
Starting lender yield:
| 19.50% |
Starting borrower rate/APR:
| 20.50% / 22.74% |
Starting monthly payment:
| $935.47 |
| |
|
Auction yield range:
| 8.04% - 19.50% |
Estimated loss impact:
| 8.95% | | |
|
Lender servicing fee:
| 1.00% |
Estimated return:
| 10.55% | | |
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 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 scores:
| |
First credit line:
| Dec-2001 |
Debt/Income ratio:
| 25% |
|
Basic (1-10):
| 5 |
Inquiries last 6m:
| 3 | Employment status: | Full-time employee |
| Enhanced (1-5): | 4 |
Current / open credit lines:
| 17
/
17 | Length of status: | 11y 7m |
|
Credit score:
| 780-799 (Feb-2010) |
Total credit lines:
| 19 |
Occupation: | Executive |
|
Now delinquent:
| 0 |
Revolving credit balance:
| $29,659 | Stated income: | $100,000+ |
|
Amount delinquent:
| $0 |
Bankcard utilization:
| 26% | | |
|
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| Yes | | |
|
Delinquencies in last 7y:
| 0 | | | | |
|
Screen name:
| dansarkis |
Borrower's state:
| Florida |
Borrower's group:
| University of Florida Students & Alumni |
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
Start up captial needed
Purpose of loan:
Hello and
thank you for your interest in my loan request. I am a health care
executive with 12 years of experience in medical clinics and
hospitals. I am currently in the process of opening a rural health
care clinic. Currently the majority of equipment and supplies have
been purchased, location have been secured, and finally all staff
members have been hired. We plan to open our doors on April 5th.
These funds will be used for the first 2 months of expenses at which
point we are projected to become profitable.
To be clear I am doing this in addition
to my current position.
My financial situation:
I have solid income from a company that
has been in business for 20 years and good credit history. I will
have the funds to repay this loan without question. Of my debt only
$17,000 is my personal debt the rest is carried on company credit
cards that have been unable to remove from my credit report however
do not have obligation to repay. $10,000 is at 0% until June of 2011
and $7,000 is locked in at 3.9% for the life of the loan. Monthly net income is $12,226. Finally I
am a 2 year Prosper lender with over 100 loans.
Please feel free to contact me with
questions and happy loaning, thank you.
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
449508
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:
| $1,950.00 |
Prosper Rating:
| A |
Auction Duration:
| 7 days
|
|
Term:
| 36 months |
Estimated loss:
| 2.1% | | |
| | | |
|
|
Starting lender yield:
| 8.38% |
Starting borrower rate/APR:
| 9.38% / 11.48% |
Starting monthly payment:
| $62.35 |
| |
|
Auction yield range:
| 4.04% - 8.38% |
Estimated loss impact:
| 2.12% | | |
|
Lender servicing fee:
| 1.00% |
Estimated return:
| 6.26% | | |
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 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 scores:
| |
First credit line:
| Oct-1997 |
Debt/Income ratio:
| 63% |
|
Basic (1-10):
| 10 |
Inquiries last 6m:
| 0 | Employment status: | Full-time employee |
| Enhanced (1-5): | 3 |
Current / open credit lines:
| 10
/
10 | Length of status: | 9y 1m |
|
Credit score:
| 700-719 (Feb-2010) |
Total credit lines:
| 42 |
Occupation: | Fireman |
|
Now delinquent:
| 0 |
Revolving credit balance:
| $49,589 | Stated income: | $75,000-$99,999 |
|
Amount delinquent:
| $0 |
Bankcard utilization:
| 91% | | |
|
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| Yes | | |
|
Delinquencies in last 7y:
| 0 | | | | |
|
Screen name:
| zoomer3 |
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
Lower Interest
Purpose of loan:
I would like to get a lower interest rate on a fixed instalment loan to replace my credit line for furnature I baught that has a high interest rate.
My financial situation:
I am a good candidate for this loan because not only do I have a good job, but my wife and I have a combined income that is more than capable of paying our bills
Monthly net income:
$6800 between my wife and I
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
449526
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 |
Auction Duration:
| 7 days
|
|
Term:
| 36 months |
Estimated loss:
| 18.0% | | |
| | | |
|
|
Starting lender yield:
| 34.00% |
Starting borrower rate/APR:
| 35.00% / 37.45% |
Starting monthly payment:
| $135.71 |
| |
|
Auction yield range:
| 17.04% - 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 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 scores:
| |
First credit line:
| Mar-1993 |
Debt/Income ratio:
| 21% |
|
Basic (1-10):
| 5 |
Inquiries last 6m:
| 1 | Employment status: | Full-time employee |
| Enhanced (1-5): | 1 |
Current / open credit lines:
| 6
/
5 | Length of status: | 21y 4m |
|
Credit score:
| 680-699 (Mar-2010) |
Total credit lines:
| 15 |
Occupation: | Other |
|
Now delinquent:
| 0 |
Revolving credit balance:
| $3,881 | Stated income: | $25,000-$49,999 |
|
Amount delinquent:
| $0 |
Bankcard utilization:
| 87% | | |
|
Public records last 12m / 10y:
| 0/ 1 |
Homeownership:
| Yes | | |
|
Delinquencies in last 7y:
| 1 | | | | |
|
Screen name:
| transparent-felicity |
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.
Description
Roof, Finish upstairs, etc.
This loan will be used to make some additional improvements to a home I purchased in 2009.
I have good credit and have worked hard over the last several years to maintain my credit. I make my payments on time and/or early for all of my house payments, utilities, credit cards, etc. At this time I feel like I can take on an additional payment to improve the value of my home.
I also have a 401K plan that I could access but am trying to keep that for my future.
I appreciate the opportunity to apply.
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
449538
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:
| HR |
Auction Duration:
| 7 days
|
|
Term:
| 36 months |
Estimated loss:
| 18.0% | | |
| | | |
|
|
Starting lender yield:
| 29.26% |
Starting borrower rate/APR:
| 30.26% / 34.29% |
Starting monthly payment:
| $42.59 |
| |
|
Auction yield range:
| 17.04% - 29.26% |
Estimated loss impact:
| 19.71% | | |
|
Lender servicing fee:
| 1.00% |
Estimated return:
| 9.55% | | |
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 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 scores:
| |
First credit line:
| Mar-1997 |
Debt/Income ratio:
| 6% |
|
Basic (1-10):
| 3 |
Inquiries last 6m:
| 8 | Employment status: | Full-time employee |
| Enhanced (1-5): | 3 |
Current / open credit lines:
| 8
/
6 | Length of status: | 2y 3m |
|
Credit score:
| 700-719 (Mar-2010) |
Total credit lines:
| 13 |
Occupation: | Engineer - Electric... |
|
Now delinquent:
| 0 |
Revolving credit balance:
| $2,562 | Stated income: | $25,000-$49,999 |
|
Amount delinquent:
| $0 |
Bankcard utilization:
| 99% | | |
|
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| No | | |
|
Delinquencies in last 7y:
| 3 | | | | |
|
Screen name:
| dollar-sensation4 |
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
family burial
Purpose of loan:
This loan will be used to? help pay for grandfather funeral
My financial situation:
I am a good candidate for this loan because? i pay back on time.
Monthly net income: $ 4,000
Monthly expenses:?????Housing: $ 1,100
??Insurance: $ 35.00
??Car expenses: $
??Utilities: $?100.??Phone, cable, internet: $
??Food, entertainment: $
??Clothing, household expenses $
??Credit cards and other loans: $ 200.00
??Other expenses: $
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
449546
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:
| B |
Auction Duration:
| 7 days
|
|
Term:
| 36 months |
Estimated loss:
| 5.0% | | |
| | | |
|
|
Starting lender yield:
| 11.00% |
Starting borrower rate/APR:
| 12.00% / 14.13% |
Starting monthly payment:
| $99.64 |
| |
|
Auction yield range:
| 6.04% - 11.00% |
Estimated loss impact:
| 5.18% | | |
|
Lender servicing fee:
| 1.00% |
Estimated return:
| 5.82% | | |
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 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 scores:
| |
First credit line:
| Jul-2006 |
Debt/Income ratio:
| 17% |
|
Basic (1-10):
| 8 |
Inquiries last 6m:
| 2 | Employment status: | Full-time employee |
| Enhanced (1-5): | 4 |
Current / open credit lines:
| 25
/
20 | Length of status: | 6y 5m |
|
Credit score:
| 760-779 (Mar-2010) |
Total credit lines:
| 28 |
Occupation: | Analyst |
|
Now delinquent:
| 0 |
Revolving credit balance:
| $3,094 | Stated income: | $50,000-$74,999 |
|
Amount delinquent:
| $0 |
Bankcard utilization:
| 9% | | |
|
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| No | | |
|
Delinquencies in last 7y:
| 0 | | | | |
|
Screen name:
| merciful-kindness5 |
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
Credit card consolidation...
Purpose of loan: This loan will be used to pay off credit card debit I incurred as a result of helping my mom out after she lost her job.? She was without work for almost one?and a half years and now has a job, but is unable to help me with paying back the bills at this time because her income goes completely to her care.? I look forward to receiving a loan thru Prosper so that I can pay off all of my credit card debit and not have my mom continue to worry about the bills since she?s having a hard enough time trying to make it on her own again.
My financial situation: I am a good candidate for this loan because I have a proven track record of paying bills on time.? I work full time in a secure position and will be entering my eighth year with?the company.??My goal with this loan is to get my life back to the way it was?prior to supporting my mom.? I was able to save money each week and use credit cards as a convenience rather than be dependent on them.
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
449556
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:
| C |
Auction Duration:
| 7 days
|
|
Term:
| 36 months |
Estimated loss:
| 6.2% | | |
| | | |
|
|
Starting lender yield:
| 21.53% |
Starting borrower rate/APR:
| 22.53% / 24.80% |
Starting monthly payment:
| $769.30 |
| |
|
Auction yield range:
| 8.04% - 21.53% |
Estimated loss impact:
| 6.71% | | |
|
Lender servicing fee:
| 1.00% |
Estimated return:
| 14.82% | | |
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 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 scores:
| |
First credit line:
| Dec-1993 |
Debt/Income ratio:
| 47% |
|
Basic (1-10):
| 4 |
Inquiries last 6m:
| 4 | Employment status: | Full-time employee |
| Enhanced (1-5): | 4 |
Current / open credit lines:
| 24
/
22 | Length of status: | 5y 10m |
|
Credit score:
| 800-819 (Mar-2010) |
Total credit lines:
| 32 |
Occupation: | Accountant/CPA |
|
Now delinquent:
| 0 |
Revolving credit balance:
| $12,007 | Stated income: | $50,000-$74,999 |
|
Amount delinquent:
| $0 |
Bankcard utilization:
| 15% | | |
|
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| Yes | | |
|
Delinquencies in last 7y:
| 0 | | | | |
|
Screen name:
| power-winner5 |
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 off credit cards
Purpose of loan:
This loan will be used to consolidate all the credit cards that I have into one amount?
My financial situation:
I am a good candidate for this loan because I have a steady job for the past 6 years in an institution that has been around for decades.? I have never been late on any of my bills, but recently medical expenses and whatnot forced me to use the credit cards more than I wanted to.? I am a responsible payer with a very good credit score and do not believe in borrowing and running.
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
449560
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:
| A |
Auction Duration:
| 7 days
|
|
Term:
| 36 months |
Estimated loss:
| 2.1% | | |
| | | |
|
|
Starting lender yield:
| 8.38% |
Starting borrower rate/APR:
| 9.38% / 11.48% |
Starting monthly payment:
| $95.93 |
| |
|
Auction yield range:
| 4.04% - 8.38% |
Estimated loss impact:
| 2.12% | | |
|
Lender servicing fee:
| 1.00% |
Estimated return:
| 6.26% | | |
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 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 scores:
| |
First credit line:
| Sep-2003 |
Debt/Income ratio:
| 35% |
|
Basic (1-10):
| 9 |
Inquiries last 6m:
| 0 | Employment status: | Full-time employee |
| Enhanced (1-5): | 5 |
Current / open credit lines:
| 13
/
12 | Length of status: | 1y 11m |
|
Credit score:
| 720-739 (Mar-2010) |
Total credit lines:
| 19 |
Occupation: | Clerical |
|
Now delinquent:
| 0 |
Revolving credit balance:
| $3,200 | Stated income: | $25,000-$49,999 |
|
Amount delinquent:
| $0 |
Bankcard utilization:
| 54% | | |
|
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| No | | |
|
Delinquencies in last 7y:
| 0 | | | | |
|
Screen name:
| blissful-peace |
Borrower's state:
| Nebraska |
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
Good bye credit card debt!
Purpose of loan:
This loan will be used to pay off my credit cards.? I've made a sizable dent in my debt over the past two years but feel that my high APR's are holding me back from making serious progress.
My financial situation:
About 60% of my credit card debt has a 10.5% APR? The other 40% is a
nasty 29%.? This loan would help me eliminate that terrible 29% APR card.? Every bonus, tax refund, Christmas and birthday gift I've
received since college has been thrown at my credit card debt.? My grandmother wanted to work out a deal where she paid off my debts and I paid her back at 5%.? Mixing family and money has never appealed to me.? When I heard about this site I thought this was the perfect compromise.
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
449568
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:
| C |
Auction Duration:
| 7 days
|
|
Term:
| 36 months |
Estimated loss:
| 8.5% | | |
| | | |
|
|
Starting lender yield:
| 25.56% |
Starting borrower rate/APR:
| 26.56% / 28.89% |
Starting monthly payment:
| $811.79 |
| |
|
Auction yield range:
| 8.04% - 25.56% |
Estimated loss impact:
| 9.11% | | |
|
Lender servicing fee:
| 1.00% |
Estimated return:
| 16.45% | | |
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 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 scores:
| |
First credit line:
| Dec-1980 |
Debt/Income ratio:
| 40% |
|
Basic (1-10):
| 4 |
Inquiries last 6m:
| 3 | Employment status: | Full-time employee |
| Enhanced (1-5): | 2 |
Current / open credit lines:
| 17
/
12 | Length of status: | 37y 5m |
|
Credit score:
| 780-799 (Mar-2010) |
Total credit lines:
| 37 |
Occupation: | Professional |
|
Now delinquent:
| 0 |
Revolving credit balance:
| $17,560 | Stated income: | $50,000-$74,999 |
|
Amount delinquent:
| $0 |
Bankcard utilization:
| 52% | | |
|
Public records last 12m / 10y:
| 0/ 1 |
Homeownership:
| Yes | | |
|
Delinquencies in last 7y:
| 0 | | | | |
|
Screen name:
| community-pal5 |
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
Daughter's Wedding
Purpose of loan:
This loan will be used to?
My financial situation:
I am a good candidate for this loan because? my position in government is secure; all current expenses are paid without any delinquency. While there was a Chapter 7 nine years ago, (loss to job outside government), my spouse and I have worked to meet our obligations in full.?Neither my spouse nor I are unreliable and take our fiscal indebtness seriously.? Our combined income is approximately $150,000.00 annually.? My spouse is a retiree from state government and is currently a para legal for an elder care firm. Having children, one of whom just graduated from Penn State University, it should be understood that our debt-ratio was impacted.? We will be paying off a car loan this month; because of my position in government, I work?in the state capital of Pennsylvania. Consequently, traveling more than 2 hours one way wasn't possible.? Therefore, we purchased a townhome just outside of Dauphin County.? Both mortgages are paid timely and have never been late for any reason.? This loan request is particularly important to ensure my daughter's wedding is all that it can be within reason.? She deserves at least that much for being a great daughter.? We are keenly aware that lending in today's market is difficult and carries, as most things ecomonic in nature, a risk factor.? We are hopeful that your lending institution will look beyond the "black and white" issues and appreciate that lending to us carries a low risk factor.
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
449574
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:
| $4,000.00 |
Prosper Rating:
| D |
Auction Duration:
| 7 days
|
|
Term:
| 36 months |
Estimated loss:
| 10.0% | | |
| | | |
|
|
Starting lender yield:
| 26.38% |
Starting borrower rate/APR:
| 27.38% / 29.72% |
Starting monthly payment:
| $164.12 |
| |
|
Auction yield range:
| 11.04% - 26.38% |
Estimated loss impact:
| 10.66% | | |
|
Lender servicing fee:
| 1.00% |
Estimated return:
| 15.72% | | |
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 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 scores:
| |
First credit line:
| Jul-2001 |
Debt/Income ratio:
| 28% |
|
Basic (1-10):
| 8 |
Inquiries last 6m:
| 1 | Employment status: | Full-time employee |
| Enhanced (1-5): | 4 |
Current / open credit lines:
| 6
/
5 | Length of status: | 0y 0m |
|
Credit score:
| 660-679 (Mar-2010) |
Total credit lines:
| 19 |
Occupation: | Other |
|
Now delinquent:
| 0 |
Revolving credit balance:
| $14,665 | Stated income: | $50,000-$74,999 |
|
Amount delinquent:
| $0 |
Bankcard utilization:
| 78% | | |
|
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| No | | |
|
Delinquencies in last 7y:
| 0 | | | | |
|
Screen name:
| ore-summoner1 |
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
Marine Corps Vet Debt Consolidation
Purpose of loan:
The purpose is simply to pay my March expenses.? I got a new job but they pushed the start day 1 month, thus putting me 1 month worth of income behind.?
My financial situation:
I am a good candidate for this loan because I make $60,000 per year plus bonus, but I will start getting paid after the bills are due.? If I had a start date 1 month earlier I would not need this money.? Taking this loan in an absolute last resort for me.? By pushing my start date back 1 month I was put at a severe financial disadvantage.? I make more than enough money to cover the loan and will greatly appreciate any effort to help me out.?
Monthly net income: 4,000
Monthly expenses: 2,000
??Housing: 500
??Insurance:
??Car expenses: 430
??Utilities: 100
??Phone, cable, internet: 100
??Food, entertainment: $
400
??Clothing, household expenses $
??Credit cards and other loans: $
??Other expenses: 100
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
449582
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 |
Auction Duration:
| 7 days
|
|
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:
| 17.04% - 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 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 scores:
| |
First credit line:
| Nov-1990 |
Debt/Income ratio:
| 116% |
|
Basic (1-10):
| 3 |
Inquiries last 6m:
| 3 | Employment status: | Full-time employee |
| Enhanced (1-5): | 1 |
Current / open credit lines:
| 13
/
12 | Length of status: | 1y 6m |
|
Credit score:
| 680-699 (Mar-2010) |
Total credit lines:
| 34 |
Occupation: | Teacher |
|
Now delinquent:
| 1 |
Revolving credit balance:
| $67,483 | Stated income: | $25,000-$49,999 |
|
Amount delinquent:
| $20 |
Bankcard utilization:
| 94% | | |
|
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| Yes | | |
|
Delinquencies in last 7y:
| 0 | | | | |
|
Screen name:
| wise-speedy-affluence |
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
Paying for car damages, medical
Purpose of loan:
This loan will be used to? to pay off unexpected medical bills and to provide extra cash
My financial situation:
I am a good candidate for this loan because?
according to my credit report from Trans my credit score is 772.? I know that I have a low score of 655 from another credit review but am determined to use this loan to help with any future unexpected expenses.
Monthly net income: $ 2650.00.? There is addtional include in the household that goes towards the bills in my name.? The household income is $7,700
Monthly expenses: $
??Housing: $?1810 - this includes insurance and taxes with our payment - my husband pays for this.
??Insurance: $
??Car expenses: $ car paid for
??Utilities: $
??Phone, cable, internet: $ 110
??Food, entertainment: $
??Clothing, household expenses $
??Credit cards and other loans: $
??Other expenses: $
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
449584
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:
| E |
Auction Duration:
| 7 days
|
|
Term:
| 36 months |
Estimated loss:
| 14.0% | | |
| | | |
|
|
Starting lender yield:
| 18.00% |
Starting borrower rate/APR:
| 19.00% / 21.22% |
Starting monthly payment:
| $109.97 |
| |
|
Auction yield range:
| 14.04% - 18.00% |
Estimated loss impact:
| 14.79% | | |
|
Lender servicing fee:
| 1.00% |
Estimated return:
| 3.21% | | |
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 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 scores:
| |
First credit line:
| Oct-2002 |
Debt/Income ratio:
| Self-employed (DTI Not Calculated) |
|
Basic (1-10):
| 6 |
Inquiries last 6m:
| 2 | Employment status: | Self-employed |
| Enhanced (1-5): | 3 |
Current / open credit lines:
| 9
/
5 | Length of status: | 2y 7m |
|
Credit score:
| 680-699 (Mar-2010) |
Total credit lines:
| 20 |
Occupation: | Laborer |
|
Now delinquent:
| 0 |
Revolving credit balance:
| $533 | Stated income: | $25,000-$49,999 |
|
Amount delinquent:
| $0 |
Bankcard utilization:
| 0% | | |
|
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| Yes | | |
|
Delinquencies in last 7y:
| 0 | | | | |
|
Screen name:
| first-contract-rocker |
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.
Description
Lower my interest Rate
Purpose of loan:
This loan will be used to?
Combine a Dell credit card and a wells Fargo card that have high interest rates. I've been making the payments on time and consistently on these accounts but they continue to stay about the same amount.
My financial situation:
I am a good candidate for this loan because?
I accept responsibility for my debts and will do what it takes to make sure they are paid.
Monthly net income: $ 1600
Monthly expenses: $
??Housing: $ 390
??Insurance: $ 40
??Car expenses: $ 250
??Utilities: $?none
??Phone, cable, internet: $ 20
??Food, entertainment: $ 100
??Clothing, household expenses $ 100
??Credit cards and other loans: $ 300
??Other expenses: $ 100
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
449588
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:
| D |
Auction Duration:
| 7 days
|
|
Term:
| 36 months |
Estimated loss:
| 10.0% | | |
| | | |
|
|
Starting lender yield:
| 27.37% |
Starting borrower rate/APR:
| 28.37% / 30.72% |
Starting monthly payment:
| $124.69 |
| |
|
Auction yield range:
| 11.04% - 27.37% |
Estimated loss impact:
| 10.68% | | |
|
Lender servicing fee:
| 1.00% |
Estimated return:
| 16.69% | | |
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 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 scores:
| |
First credit line:
| Oct-2001 |
Debt/Income ratio:
| 22% |
|
Basic (1-10):
| 7 |
Inquiries last 6m:
| 2 | Employment status: | Full-time employee |
| Enhanced (1-5): | 2 |
Current / open credit lines:
| 17
/
14 | Length of status: | 0y 10m |
|
Credit score:
| 640-659 (Feb-2010) |
Total credit lines:
| 21 |
Occupation: | Clerical |
|
Now delinquent:
| 0 |
Revolving credit balance:
| $18,883 | Stated income: | $25,000-$49,999 |
|
Amount delinquent:
| $0 |
Bankcard utilization:
| 59% | | |
|
Public records last 12m / 10y:
| 0/ 1 |
Homeownership:
| Yes | | |
|
Delinquencies in last 7y:
| 0 | | | | |
|
Screen name:
| income-baby6 |
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
Repairing a Roof
Purpose of loan:
This loan will be used to? To get a new roof
My financial situation:
I am a good candidate for this loan because? I pay all of my bills on time.
Monthly net income: $ 3700
Monthly expenses: $
??Housing: $?1000
??Insurance: $ 94
??Car expenses: $ 85
??Utilities: $ 200
??Phone, cable, internet: $ 125
??Food, entertainment: $ 150
??Clothing, household expenses $ 100
??Credit cards and other loans: $
??Other expenses: $
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
449594
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:
| D |
Auction Duration:
| 7 days
|
|
Term:
| 36 months |
Estimated loss:
| 10.0% | | |
| | | |
|
|
Starting lender yield:
| 26.38% |
Starting borrower rate/APR:
| 27.38% / 29.72% |
Starting monthly payment:
| $102.57 |
| |
|
Auction yield range:
| 11.04% - 26.38% |
Estimated loss impact:
| 10.66% | | |
|
Lender servicing fee:
| 1.00% |
Estimated return:
| 15.72% | | |
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 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 scores:
| |
First credit line:
| Apr-1993 |
Debt/Income ratio:
| 8% |
|
Basic (1-10):
| 7 |
Inquiries last 6m:
| 5 | Employment status: | Full-time employee |
| Enhanced (1-5): | 3 |
Current / open credit lines:
| 6
/
5 | Length of status: | 6y 8m |
|
Credit score:
| 680-699 (Mar-2010) |
Total credit lines:
| 25 |
Occupation: | Food Service Manage... |
|
Now delinquent:
| 0 |
Revolving credit balance:
| $11,288 | Stated income: | $50,000-$74,999 |
|
Amount delinquent:
| $0 |
Bankcard utilization:
| 77% | | |
|
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| No | | |
|
Delinquencies in last 7y:
| 12 | | | | |
|
Screen name:
| mjohnson0930 |
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:
| 0 / 2 |
On-time:
| 23 ( 96% )
| 680-699 (Latest)
|
|
Principal borrowed:
| $13,910.00 | < mo. late:
| 1
( 4% )
| 680-699
(Nov-2007)
620-639
(Feb-2007)
|
|
Principal balance:
| $0.00 |
1+ mo. late:
| 0
( 0% )
|
|
Total payments billed:
| 24 | | |
Description
Paying off my best friend
Purpose of loan:
This loan will be used to pay off my best friend.? He helped me get out of a car loan that I was upside down in, and I would like to pay him back as it has caused a strain on our friendship.
My financial situation:
I am a good candidate for this loan because I have had loans with Prosper before and have paid them back as quickly as possible.
Monthly net income: $ 2600.00
Monthly expenses: $
??Housing: $ 1100.00
??Insurance: $ 100.00
??Car expenses: $ 50.00 (gas)
??Utilities: $ 75.00
??Phone, cable, internet: $?113.00
??Food, entertainment: $ 200.00
??Clothing, household expenses $ 50.00
??Credit cards and other loans: $ 200.00
??Other expenses: $ 230.00 (HOA)
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
449596
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:
| C |
Auction Duration:
| 7 days
|
|
Term:
| 36 months |
Estimated loss:
| 6.5% | | |
| | | |
|
|
Starting lender yield:
| 17.00% |
Starting borrower rate/APR:
| 18.00% / 20.21% |
Starting monthly payment:
| $90.38 |
| |
|
Auction yield range:
| 8.04% - 17.00% |
Estimated loss impact:
| 6.89% | | |
|
Lender servicing fee:
| 1.00% |
Estimated return:
| 10.11% | | |
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 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 scores:
| |
First credit line:
| Jan-1999 |
Debt/Income ratio:
| 26% |
|
Basic (1-10):
| 10 |
Inquiries last 6m:
| 1 | Employment status: | Full-time employee |
| Enhanced (1-5): | 4 |
Current / open credit lines:
| 14
/
14 | Length of status: | 3y 9m |
|
Credit score:
| 680-699 (Mar-2010) |
Total credit lines:
| 46 |
Occupation: | Social Worker |
|
Now delinquent:
| 0 |
Revolving credit balance:
| $18,933 | Stated income: | $50,000-$74,999 |
|
Amount delinquent:
| $0 |
Bankcard utilization:
| 39% | | |
|
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| No | | |
|
Delinquencies in last 7y:
| 0 | | | | |
|
Screen name:
| bright-payment2 |
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 Card Debt
This loan will be used to consolidate and pay off credit card debt. I worked and paid my way through my undergraduate degree (BA in psychology) without accruing credit card debt, but during my Master of Social Work degree, I was unable to work many hours because I attended school full time and was placed at internships in order to complete my degree. I had to use credit cards to survive during that time.
I began work immediately after graduation 4 years ago, and I have been employed full time with the same agency ever since. I have good job security since I always get great reviews at work, provide training for new employees, and have recently been selected to teach other staff a new method of providing therapy.
I am a good candidate for this loan because I have never paid a single bill late in my life. I am dedicated to helping others and being a responsible citizen. I am currently employed as a school therapist at a continuation school in South Central Los Angeles where I work with low-income teens. In addition to this, I am a volunteer tutor for an 8 year old homeless girl and I also volunteer with the American Red Cross in disaster mental health. Oh yes, I also love the idea of paying my interest to another person instead of a bank!
Monthly net income: $4550
Monthly expenses: $
??Housing: $700 (shared apartment)
??Car expenses: $340 (loan and insurance)
??Utilities (including internet): $50 (split w/ roommate)
??Food, entertainment: $200 - $400
??Clothing, household expenses $50 - $200
??Credit cards and student loans: $820
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
449608
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:
| $1,500.00 |
Prosper Rating:
| D |
Auction Duration:
| 7 days
|
|
Term:
| 36 months |
Estimated loss:
| 10.0% | | |
| | | |
|
|
Starting lender yield:
| 26.38% |
Starting borrower rate/APR:
| 27.38% / 29.99% |
Starting monthly payment:
| $61.54 |
| |
|
Auction yield range:
| 11.04% - 26.38% |
Estimated loss impact:
| 10.66% | | |
|
Lender servicing fee:
| 1.00% |
Estimated return:
| 15.72% | | |
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 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 scores:
| |
First credit line:
| Jul-2009 |
Debt/Income ratio:
| Self-employed (DTI Not Calculated) |
|
Basic (1-10):
| 7 |
Inquiries last 6m:
| 2 | Employment status: | Self-employed |
| Enhanced (1-5): | 1 |
Current / open credit lines:
| 2
/
2 | Length of status: | 1y 8m |
|
Credit score:
| 640-659 (Feb-2010) |
Total credit lines:
| 2 |
Occupation: | Other |
|
Now delinquent:
| 0 |
Revolving credit balance:
| $0 | Stated income: | $25,000-$49,999 |
|
Amount delinquent:
| $0 |
Bankcard utilization:
| 0% | | |
|
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| No | | |
|
Delinquencies in last 7y:
| 0 | | | | |
|
Screen name:
| bountiful-dedication |
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
I need a car ASAP!
Purpose of loan:
This loan will be used to??
buy me a used car worth $2500 to drive me to work and back and also to be used for family errands as well.
My financial situation:
I am a good candidate for this loan because?
I will pay this loan?early and in full.I have been at my job for close to 4yrs now so my job is stable.?I PAY MY CREDIT CARDS OFF EARLY AND NEVER BEEN BEHIND ON A BILL.?I keep my living expenses to the bearest minimum. Am very frugal and will repay this loan with all integrity
.I dont want to use payday loans that is why i came here.So please Prosper folks give a young lady some helping hand to get a car to take me and my family back and forth from work and you will not regret it one bit.
Monthly net income:$2900?-?$3200
Monthly expenses: $ 1275
??Housing: $350
? Estimated Insurance: $50
??Car expenses: $100 (gas e.t.c.)?
??Utilities: $100?
??Phone, cable, internet: $40
??Food, entertainment: $75
??Clothing, household expenses $0
??Credit cards and other loans: $0
??Other expenses: $?480(salon?booth?rent )
? Child care : $80
Thanks for your Consideration!?
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
449614
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:
| $1,800.00 |
Prosper Rating:
| HR |
Auction Duration:
| 7 days
|
|
Term:
| 36 months |
Estimated loss:
| 18.0% | | |
| | | |
|
|
Starting lender yield:
| 34.00% |
Starting borrower rate/APR:
| 35.00% / 37.45% |
Starting monthly payment:
| $81.42 |
| |
|
Auction yield range:
| 17.04% - 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 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 scores:
| |
First credit line:
| Jun-1989 |
Debt/Income ratio:
| 53% |
|
Basic (1-10):
| 5 |
Inquiries last 6m:
| 0 | Employment status: | Full-time employee |
| Enhanced (1-5): | 1 |
Current / open credit lines:
| 14
/
4 | Length of status: | 12y 8m |
|
Credit score:
| 680-699 (Feb-2010) |
Total credit lines:
| 48 |
Occupation: | Clerical |
|
Now delinquent:
| 0 |
Revolving credit balance:
| $0 | Stated income: | $25,000-$49,999 |
|
Amount delinquent:
| $0 |
Bankcard utilization:
| 0% | | |
|
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| No | | |
|
Delinquencies in last 7y:
| 0 | | | | |
|
Screen name:
| heavenly-return1 |
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
Getting Back on Track Financially
Unexpected events, (car accident, taking care of sick relatives, timing belt killing engine in car, purchasing another car), have caused my credit?to take a hit.??Some of the debt comes?from college courses and some from living life.?
I have?learned my lesson about credit cards and will not?be getting one again.? I can't take the APRs anymore.? I have closed all?of my credit card accounts to pay them off quickly. I have also?sold $1,000 of miscellaneous items online in the past year. Your loan will help me shift my focus towards rebuilding my financial future versus worrying about debt. My financial situation:
I accept responsibility for my actions.?I have never declared bankruptcy and never will.? I?am a fulltime employee (12 years)?of educational system.?
Monthly net income:???????????? $1876.00
Monthly expenses:??????????????? $1662.05
Housing:?????????????????????????????????$?????0.00 (live with a relative)
Insurance:?????????????????????????????? $ 191.75
Car expenses:?????????????????????????$ 320.00
Utilities:????????????????????????????????? $???0.00
Phone, cable, internet:?????????? ? $198.30
Food, entertainment:??????????????? $?40.00
Clothing, household expenses? $?24.00
Credit cards:???????????????????????? ? $513.00
Loans:??????????????????? ???????????? ???$375.00
Other expenses:?????????????????? ??$?? ?0.00
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
449620
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 |
Auction Duration:
| 7 days
|
|
Term:
| 36 months |
Estimated loss:
| 18.0% | | |
| | | |
|
|
Starting lender yield:
| 34.00% |
Starting borrower rate/APR:
| 35.00% / 37.45% |
Starting monthly payment:
| $158.33 |
| |
|
Auction yield range:
| 17.04% - 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 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 scores:
| |
First credit line:
| Oct-1997 |
Debt/Income ratio:
| Self-employed (DTI Not Calculated) |
|
Basic (1-10):
| 4 |
Inquiries last 6m:
| 1 | Employment status: | Self-employed |
| Enhanced (1-5): | 1 |
Current / open credit lines:
| 0
/
0 | Length of status: | 4y 6m |
|
Credit score:
| 680-699 (Mar-2010) |
Total credit lines:
| 2 |
Occupation: | Other |
|
Now delinquent:
| 0 |
Revolving credit balance:
| $0 | Stated income: | $25,000-$49,999 |
|
Amount delinquent:
| $0 |
Bankcard utilization:
| 0% | | |
|
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| No | | |
|
Delinquencies in last 7y:
| 0 | | | | |
|
Screen name:
| flashman42 |
Borrower's state:
| Ohio |
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.
Description
Inventory Control System
Purpose of loan:
We have a new client that requires an inventory management
system. We have obtained a year long warehouse agreement to receive, store, pull and ship
parts nationwide for this client. To fulfill this agreement and add additional
clients, we are in need of a bar code scanner and web based portal for our business.
My financial situation:
I am confident I am a good candidate for this loan because
of the following reasons.In the first week on board we have obtained a
warehousing contract that will bring $24,000.00 profit. We are also now the client?s first line
carrier, averaging 75 shipments a week. The revenue from this one client will
provide more then sufficient revenue for this loan as well as for future growth and
development. Our additional revenue streams include local trucking, expedited
services and international freight consulting. We currently factor our invoices
but will no longer have need to with the additional business.
Monthly net income: $
10,000.00 ????
Monthly expenses: $
??Housing: $
0.0
??Insurance: $
0.0
??Car expenses: $ 0.0
??Utilities: $
0.0
??Phone, cable, internet: $
125.00
??Food, entertainment: $
??Clothing, household expenses $
19067.00
??Credit cards and other loans: $
??Other expenses: $
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
449648
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:
| D |
Auction Duration:
| 7 days
|
|
Term:
| 36 months |
Estimated loss:
| 10.0% | | |
| | | |
|
|
Starting lender yield:
| 11.05% |
Starting borrower rate/APR:
| 13.05% / 15.19% |
Starting monthly payment:
| $101.15 |
| |
|
Auction yield range:
| 11.04% - 11.05% |
Estimated loss impact:
| 10.23% | | |
|
Lender servicing fee:
| 1.00% |
Estimated return:
| 0.82% | | |
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 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 scores:
| |
First credit line:
| Mar-2003 |
Debt/Income ratio:
| 23% |
|
Basic (1-10):
| 7 |
Inquiries last 6m:
| 1 | Employment status: | Part-time employee |
| Enhanced (1-5): | 3 |
Current / open credit lines:
| 10
/
10 | Length of status: | 3y 1m |
|
Credit score:
| 740-759 (Mar-2010) |
Total credit lines:
| 17 |
Occupation: | Clerical |
|
Now delinquent:
| 0 |
Revolving credit balance:
| $633 | Stated income: | $1-$24,999 |
|
Amount delinquent:
| $0 |
Bankcard utilization:
| 23% | | |
|
Public records last 12m / 10y:
| 0/ 1 |
Homeownership:
| No | | |
|
Delinquencies in last 7y:
| 0 | | | | |
|
Screen name:
| trade-trident |
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 CREDIT CARDS
Purpose of loan:
This loan will be used to clear my credit and reduce my payments to just a car note.?
My financial situation:
I am a good candidate for this loan because I have paid off loans made to me?in full and on time.
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
449656
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
|
Amount:
| $5,000.00 |
Prosper Rating:
| A |
Auction Duration:
| 7 days
|
|
Term:
| 36 months |
Estimated loss:
| 2.1% | | |
| | | |
|
|
Starting lender yield:
| 8.38% |
Starting borrower rate/APR:
| 9.38% / 11.48% |
Starting monthly payment:
| $159.88 |
| |
|
Auction yield range:
| 4.04% - 8.38% |
Estimated loss impact:
| 2.12% | | |
|
Lender servicing fee:
| 1.00% |
Estimated return:
| 6.26% | | |
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 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 scores:
| |
First credit line:
| Mar-1998 |
Debt/Income ratio:
| 25% |
|
Basic (1-10):
| 8 |
Inquiries last 6m:
| 1 | Employment status: | Full-time employee |
| Enhanced (1-5): | 4 |
Current / open credit lines:
| 9
/
8 | Length of status: | 7y 1m |
|
Credit score:
| 780-799 (Mar-2010) |
Total credit lines:
| 22 |
Occupation: | Administrative Assi... |
|
Now delinquent:
| 0 |
Revolving credit balance:
| $4,684 | Stated income: | $25,000-$49,999 |
|
Amount delinquent:
| $0 |
Bankcard utilization:
| 29% | | |
|
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| Yes | | |
|
Delinquencies in last 7y:
| 0 | | | | |
|
Screen name:
| green-shiny-integrity |
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
Refinancing loan with lower rate
Purpose of loan:
This loan will be used to consolidate two debts at a lower rate.?
My financial situation:
I am a good candidate for this loan because I have an excellent credit score and I always pay off debts. I am also securely employed.
I'm simply looking to consolidate at a lower rate.
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
449660
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:
| $2,700.00 |
Prosper Rating:
| HR |
Auction Duration:
| 7 days
|
|
Term:
| 36 months |
Estimated loss:
| 25.0% | | |
| | | |
|
|
Starting lender yield:
| 34.00% |
Starting borrower rate/APR:
| 35.00% / 37.45% |
Starting monthly payment:
| $122.14 |
| |
|
Auction yield range:
| 17.04% - 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 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 scores:
| |
First credit line:
| May-1997 |
Debt/Income ratio:
| 18% |
|
Basic (1-10):
| 3 |
Inquiries last 6m:
| 0 | Employment status: | Full-time employee |
| Enhanced (1-5): | 4 |
Current / open credit lines:
| 5
/
5 | Length of status: | 3y 7m |
|
Credit score:
| 660-679 (Mar-2010) |
Total credit lines:
| 33 |
Occupation: | Other |
|
Now delinquent:
| 3 |
Revolving credit balance:
| $1,038 | Stated income: | $25,000-$49,999 |
|
Amount delinquent:
| $9,896 |
Bankcard utilization:
| 94% | | |
|
Public records last 12m / 10y:
| 0/ 1 |
Homeownership:
| No | | |
|
Delinquencies in last 7y:
| 11 | | | | |
|
Screen name:
| suzmash |
Borrower's state:
| Missouri |
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:
| 19 ( 100% )
| 660-679 (Latest)
|
|
Principal borrowed:
| $1,300.00 | < mo. late:
| 0
( 0% )
| 600-619
(Jul-2008)
|
|
Principal balance:
| $732.88 |
1+ mo. late:
| 0
( 0% )
|
|
Total payments billed:
| 19 | | |
Description
Paying down debt
Purpose of loan:
This loan will be used to consolidate a few small bills. With this loan I will consolidate a few small bills, pay off a high interest rate credit card balance?and pay off a previous prosper loan.? Nineteen payments on my previous prosper loan have all been made on time.? On March 15th my car will paid off and will free up $300 a month to put towards paying this loan off quickly.? My desire is to go back to school part time in June to complete my Bachelor's Degree in Psychology/Counseling.? Consolidating my debt will decrease my outgoing expenses each month and make taking classes easier so that I can achieve my goal more quickly.
My financial situation:
I am a good candidate for this loan because I have a steady income and a nineteen (19) month history of paying my previous Prosper loan payments on time.
Monthly net income: $2,603.00
Monthly expenses: $ 1,600.00
??Housing: $?550.00
??Insurance: $?67.61
??Car expenses: $ 160.00
??Utilities: $?178.00
??Phone, cable, internet:?255.49
??Food, entertainment: $?160.00
??Clothing, household expenses $
??Credit cards and other loans: $?40.00
??Other expenses: $
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
449674
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:
| C |
Auction Duration:
| 7 days
|
|
Term:
| 36 months |
Estimated loss:
| 6.2% | | |
| | | |
|
|
Starting lender yield:
| 20.53% |
Starting borrower rate/APR:
| 21.53% / 23.79% |
Starting monthly payment:
| $379.48 |
| |
|
Auction yield range:
| 8.04% - 20.53% |
Estimated loss impact:
| 6.68% | | |
|
Lender servicing fee:
| 1.00% |
Estimated return:
| 13.85% | | |
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 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 scores:
| |
First credit line:
| May-1983 |
Debt/Income ratio:
| Not calculated |
|
Basic (1-10):
| 5 |
Inquiries last 6m:
| 1 | Employment status: | Not employed |
| Enhanced (1-5): | 4 |
Current / open credit lines:
| 15
/
14 | Length of status: | 0y 4m |
|
Credit score:
| 820-839 (Mar-2010) |
Total credit lines:
| 39 | Stated income: | Not employed |
|
Now delinquent:
| 0 |
Revolving credit balance:
| $8,069 | |
|
Amount delinquent:
| $0 |
Bankcard utilization:
| 45% | | |
|
Public records last 12m / 10y:
| 0/ 2 |
Homeownership:
| Yes | | |
|
Delinquencies in last 7y:
| 0 | | | | |
|
Screen name:
| kln1957 |
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
pay off loan obligation
Purpose of loan:
This loan will be used to pay off a personal loan made to me several years ago by an indiviual.? I paid him half of what?I owe 2 years ago and would like to complete the obligation at this time??
My financial situation:
I am a good candidate for this loan because I have made over 100k each year over the last 4 years.? I am currently not working, but my industry is starting to hire(financial services wholesaleing) and? my wife recently went from part time to full time as a pharmacist and i smaking?just over $50.00 per hour.
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
449680
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 |
Auction Duration:
| 7 days
|
|
Term:
| 36 months |
Estimated loss:
| 14.0% | | |
| | | |
|
|
Starting lender yield:
| 24.00% |
Starting borrower rate/APR:
| 25.00% / 27.31% |
Starting monthly payment:
| $596.40 |
| |
|
Auction yield range:
| 14.04% - 24.00% |
Estimated loss impact:
| 15.08% | | |
|
Lender servicing fee:
| 1.00% |
Estimated return:
| 8.92% | | |
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 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 scores:
| |
First credit line:
| Feb-1993 |
Debt/Income ratio:
| 14% |
|
Basic (1-10):
| 6 |
Inquiries last 6m:
| 0 | Employment status: | Full-time employee |
| Enhanced (1-5): | 5 |
Current / open credit lines:
| 6
/
4 | Length of status: | 3y 9m |
|
Credit score:
| 660-679 (Feb-2010) |
Total credit lines:
| 17 |
Occupation: | Analyst |
|
Now delinquent:
| 0 |
Revolving credit balance:
| $16,277 | Stated income: | $75,000-$99,999 |
|
Amount delinquent:
| $0 |
Bankcard utilization:
| 88% | | |
|
Public records last 12m / 10y:
| 0/ 2 |
Homeownership:
| No | | |
|
Delinquencies in last 7y:
| 0 | | | | |
|
Screen name:
| repayment-coup7 |
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 Loan
Purpose of loan:
The purpose of this loan is to consolidate credit card balances.? These balances have been accrued while ago, when I had to spend money for family emergencies.? I have been extremely careful about utilization of credit cards from then on.
My financial situation:
I am a good candidate for this loan because, I work for an employer with demonstrated history of non-layoffs.? I have over 25 years of experience in my present field and have advanced degrees.? Rating of D is primarily related to my divorce period not recent and lifetime payment behavior.? In addition my wife makes about 25K/ year.
Monthly net income: $ 7400
Monthly expenses: $
??Housing: $ 1425
??Insurance: $
??Car expenses: $400
??Utilities: $ 50
??Phone, cable, internet: $ 150
??Food, entertainment: $ 400
??Clothing, household expenses $ 400
??Credit cards and other loans: $ 2000
??Other expenses: $ 100
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
449684
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 |
Auction Duration:
| 7 days
|
|
Term:
| 36 months |
Estimated loss:
| 2.1% | | |
| | | |
|
|
Starting lender yield:
| 8.00% |
Starting borrower rate/APR:
| 9.00% / 11.09% |
Starting monthly payment:
| $190.80 |
| |
|
Auction yield range:
| 4.04% - 8.00% |
Estimated loss impact:
| 2.12% | | |
|
Lender servicing fee:
| 1.00% |
Estimated return:
| 5.88% | | |
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 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 scores:
| |
First credit line:
| Sep-1994 |
Debt/Income ratio:
| 21% |
|
Basic (1-10):
| 9 |
Inquiries last 6m:
| 1 | Employment status: | Full-time employee |
| Enhanced (1-5): | 4 |
Current / open credit lines:
| 13
/
13 | Length of status: | 1y 9m |
|
Credit score:
| 760-779 (Mar-2010) |
Total credit lines:
| 27 |
Occupation: | Professional |
|
Now delinquent:
| 0 |
Revolving credit balance:
| $40,178 | Stated income: | $75,000-$99,999 |
|
Amount delinquent:
| $0 |
Bankcard utilization:
| 76% | | |
|
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| Yes | | |
|
Delinquencies in last 7y:
| 0 | | | | |
|
Screen name:
| coin-lightning8 |
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 down credit card
Purpose of loan:
This loan will be used to pay down my only credit card that has?a balance.? With the recent change of many credit card companies' policies, my interest rate was doubled and by getting a better interest rate, I can pay off the balance sooner.
My financial situation:
I am a great candidate for this loan because I have never missed a monthly payment in a minimum of five?years on any of my credit cards or mortgage payments.? Moreover, my credit score in July 2009 was above 700, which illustrates my commitment to paying on?time and my recognition of the importance of paying bills in a consistent manner.
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
449686
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:
| D |
Auction Duration:
| 7 days
|
|
Term:
| 36 months |
Estimated loss:
| 10.0% | | |
| | | |
|
|
Starting lender yield:
| 26.38% |
Starting borrower rate/APR:
| 27.38% / 29.72% |
Starting monthly payment:
| $102.57 |
| |
|
Auction yield range:
| 11.04% - 26.38% |
Estimated loss impact:
| 10.66% | | |
|
Lender servicing fee:
| 1.00% |
Estimated return:
| 15.72% | | |
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 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 scores:
| |
First credit line:
| Feb-1999 |
Debt/Income ratio:
| 18% |
|
Basic (1-10):
| 7 |
Inquiries last 6m:
| 1 | Employment status: | Retired |
| Enhanced (1-5): | 4 |
Current / open credit lines:
| 7
/
6 | Length of status: | 3y 2m |
|
Credit score:
| 640-659 (Mar-2010) |
Total credit lines:
| 22 | Stated income: | $25,000-$49,999 |
|
Now delinquent:
| 0 |
Revolving credit balance:
| $6,465 | |
|
Amount delinquent:
| $0 |
Bankcard utilization:
| 95% | | |
|
Public records last 12m / 10y:
| 0/ 1 |
Homeownership:
| No | | |
|
Delinquencies in last 7y:
| 0 | | | | |
|
Screen name:
| first-majestic-credit |
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 bills.
Purpose of loan:
This loan will be used to? pay off smaller debts and lowing monthly payment.
My financial situation:
I am a good candidate for this loan because?The only time I have had trouble was 5 years ago when I when throught a divorce, other than that I have always?paid all my bills.?
Monthly net income: $ 3257
Monthly expenses: $
??Housing: $?0
??Insurance: $ 107
??Car expenses: $ 385
??Utilities: $ 0
??Phone, cable, internet: $ 0
??Food, entertainment: $ 200
??Clothing, household expenses $ 100
??Credit cards and other loans: $ 150
??Other expenses: $ 0
All house payments/utilities etc are paid by my wife. The home is in her name and she is employed full time (teacher)
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
449690
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:
| A |
Auction Duration:
| 7 days
|
|
Term:
| 36 months |
Estimated loss:
| 2.1% | | |
| | | |
|
|
Starting lender yield:
| 8.50% |
Starting borrower rate/APR:
| 9.50% / 11.60% |
Starting monthly payment:
| $80.08 |
| |
|
Auction yield range:
| 4.04% - 8.50% |
Estimated loss impact:
| 2.12% | | |
|
Lender servicing fee:
| 1.00% |
Estimated return:
| 6.38% | | |
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 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 scores:
| |
First credit line:
| Aug-2004 |
Debt/Income ratio:
| Self-employed (DTI Not Calculated) |
|
Basic (1-10):
| 9 |
Inquiries last 6m:
| 2 | Employment status: | Self-employed |
| Enhanced (1-5): | 4 |
Current / open credit lines:
| 7
/
5 | Length of status: | 4y 2m |
|
Credit score:
| 700-719 (Mar-2010) |
Total credit lines:
| 14 |
Occupation: | Construction |
|
Now delinquent:
| 0 |
Revolving credit balance:
| $14,548 | Stated income: | $50,000-$74,999 |
|
Amount delinquent:
| $0 |
Bankcard utilization:
| 29% | | |
|
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| No | | |
|
Delinquencies in last 7y:
| 0 | | | | |
|
Screen name:
| reasonable-funds3 |
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
Paying for College
Purpose of loan:
This loan will be used to pay for tuition for summer classes
My financial situation:
I am a good candidate for this loan because?my parents?lend me the money?up front?and I make monthly payments. Although they are no longer able to do this, I am still making a steady income and able to make monthly payments.
Monthly net income: $ usually around $4,000 but can be more or less depending on the month
Monthly expenses: $
??Housing: $?100
??Insurance: $ 0
??Car expenses: $ 100
??Utilities: $ 125
??Phone, cable, internet: $ 37
??Food, entertainment: $ 200
??Clothing, household expenses $ 125
??Credit cards and other loans: $ 700
??Other expenses: $ 100
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
449696
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:
| $1,200.00 |
Prosper Rating:
| AA |
Auction Duration:
| 7 days
|
|
Term:
| 36 months |
Estimated loss:
| 0.6% | | |
| | | |
|
|
Starting lender yield:
| 6.13% |
Starting borrower rate/APR:
| 7.13% / 7.47% |
Starting monthly payment:
| $37.12 |
| |
|
Auction yield range:
| 3.04% - 6.13% |
Estimated loss impact:
| 0.60% | | |
|
Lender servicing fee:
| 1.00% |
Estimated return:
| 5.53% | | |
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 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 scores:
| |
First credit line:
| Jun-1999 |
Debt/Income ratio:
| Not calculated |
|
Basic (1-10):
| 10 |
Inquiries last 6m:
| 0 | Employment status: | Part-time employee |
| Enhanced (1-5): | 5 |
Current / open credit lines:
| 3
/
3 | Length of status: | 0y 3m |
|
Credit score:
| 780-799 (Mar-2010) |
Total credit lines:
| 3 |
Occupation: | Waiter/Waitress |
|
Now delinquent:
| 0 |
Revolving credit balance:
| $1,563 | Stated income: | $25,000-$49,999 |
|
Amount delinquent:
| $0 |
Bankcard utilization:
| 4% | | |
|
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| No | | |
|
Delinquencies in last 7y:
| 0 | | | | |
|
Screen name:
| orange-terrific-transaction |
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
Student Athlete with part time job
Purpose of loan:
To pay off student loans and put a down payment on a car
My financial situation:
I have a steady and decently paying job, I am a student athlete who knows how to manage his time efficiently, and I know the value of hard work and how often it pays off so you can rely on me to re-pay my loan on time.
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
449704
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:
| $1,600.00 |
Prosper Rating:
| C |
Auction Duration:
| 7 days
|
|
Term:
| 36 months |
Estimated loss:
| 8.0% | | |
| | | |
|
|
Starting lender yield:
| 22.68% |
Starting borrower rate/APR:
| 23.68% / 26.06% |
Starting monthly payment:
| $62.50 |
| |
|
Auction yield range:
| 8.04% - 22.68% |
Estimated loss impact:
| 8.54% | | |
|
Lender servicing fee:
| 1.00% |
Estimated return:
| 14.14% | | |
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented 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 scores:
| |
First credit line:
| Feb-1985 |
Debt/Income ratio:
| 17% |
|
Basic (1-10):
| 8 |
Inquiries last 6m:
| 0 | Employment status: | Full-time employee |
| Enhanced (1-5): | 5 |
Current / open credit lines:
| 4
/
3 | Length of status: | 15y 6m |
|
Credit score:
| 700-719 (Mar-2010) |
Total credit lines:
| 18 |
Occupation: | Clerical |
|
Now delinquent:
| 0 |
Revolving credit balance:
| $877 | Stated income: | $25,000-$49,999 |
|
Amount delinquent:
| $0 |
Bankcard utilization:
| 90% | | |
|
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| No | | |
|
Delinquencies in last 7y:
| 0 | | | | |
|
Screen name:
| profitable-deal7 |
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
MOVING-DEPOSIT
Purpose of loan:
This loan will be used to? MOVING EXPENSE-FOR 1ST MO RENT,MOVERS
My financial situation:
I am a good candidate for this loan because?
Monthly net income: $ 1450.00
Monthly expenses: $
??Housing: $ 0????
??Insurance: $ 0????
??Car expenses: $ 299.99
??Utilities: $ 168.00
??Phone, cable, internet: $ 98.40
??Food, entertainment: $ 0
??Clothing, household expenses $ 0
??Credit cards and other loans: $
??Other expenses: $ 0
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
449720
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 |
Auction Duration:
| 7 days
|
|
Term:
| 36 months |
Estimated loss:
| 25.0% | | |
| | | |
|
|
Starting lender yield:
| 34.00% |
Starting borrower rate/APR:
| 35.00% / 37.45% |
Starting monthly payment:
| $542.83 |
| |
|
Auction yield range:
| 17.04% - 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 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 scores:
| |
First credit line:
| Jul-1991 |
Debt/Income ratio:
| 27% |
|
Basic (1-10):
| 2 |
Inquiries last 6m:
| 0 | Employment status: | Full-time employee |
| Enhanced (1-5): | 5 |
Current / open credit lines:
| 11
/
7 | Length of status: | 17y 7m |
|
Credit score:
| 700-719 (Feb-2010) |
Total credit lines:
| 52 |
Occupation: | Analyst |
|
Now delinquent:
| 0 |
Revolving credit balance:
| $364 | Stated income: | $75,000-$99,999 |
|
Amount delinquent:
| $0 |
Bankcard utilization:
| 0% | | |
|
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| Yes | | |
|
Delinquencies in last 7y:
| 0 | | | | |
|
Screen name:
| Larraybee |
Borrower's state:
| Alabama |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
| Loan history | Payment history | Credit score history |
|
Active / total loans:
| 0 / 1 |
On-time:
| 12 ( 100% )
| 700-719 (Latest)
|
|
Principal borrowed:
| $2,300.00 | < mo. late:
| 0
( 0% )
| 640-659
(Apr-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 for debt consolidaton
My financial situation:
I need the loan for debt consolidation. I? have a very good history or repaying my debts, as I have never failed to repay a debt. The proceeds from the loan will be used in connection with other funds that I will receive (not a loan) to pay my debt. Now that my daughter has graduated from college, I no longer have her college expenses to pay. Finally, I have been employed with State Government since 1992 in a professional capacity and I have a very stable job. In addition, I have a part-time consulting firm, which will be an asset.??This loan will enable me to reduce my monthly debt?payment by $500.00.???
?Monthly net income: $ 3833.00
Monthly expenses: $
??Housing: $ 871.00
??Insurance: $ 150.00
??Car expenses: $ 200.
??Utilities: $ 140
??Phone, cable, internet: $ 89
??Food, entertainment: $ 150
??Clothing, household expenses $ 75
??Credit cards and other loans: $ 992
??Other expenses: $ o
Monthly net income: $ 3833.00
Monthly expenses: $
??Housing: $ 871.00
??Insurance: $ 150.00
??Car expenses: $ 200.
??Utilities: $ 140
??Phone, cable, internet: $ 89
??Food, entertainment: $ 150
??Clothing, household expenses $ 75
??Credit cards and other loans: $ 992
??Other expenses: $ o
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
449734
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:
| $1,051.00 |
Prosper Rating:
| HR |
Auction Duration:
| 7 days
|
|
Term:
| 36 months |
Estimated loss:
| 18.0% | | |
| | | |
|
|
Starting lender yield:
| 20.90% |
Starting borrower rate/APR:
| 21.90% / 25.54% |
Starting monthly payment:
| $40.08 |
| |
|
Auction yield range:
| 17.04% - 20.90% |
Estimated loss impact:
| 19.18% | | |
|
Lender servicing fee:
| 1.00% |
Estimated return:
| 1.72% | | |
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 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 scores:
| |
First credit line:
| Jan-1993 |
Debt/Income ratio:
| Self-employed (DTI Not Calculated) |
|
Basic (1-10):
| 5 |
Inquiries last 6m:
| 5 | Employment status: | Self-employed |
| Enhanced (1-5): | 1 |
Current / open credit lines:
| 22
/
14 | Length of status: | 3y 1m |
|
Credit score:
| 700-719 (Mar-2010) |
Total credit lines:
| 56 |
Occupation: | Computer Programmer |
|
Now delinquent:
| 0 |
Revolving credit balance:
| $120,971 | Stated income: | $100,000+ |
|
Amount delinquent:
| $0 |
Bankcard utilization:
| 90% | | |
|
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| Yes | | |
|
Delinquencies in last 7y:
| 0 | | | | |
|
Screen name:
| repayment-orbit |
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.
Description
PAYING OFF A CREIDIT CARD DEBT
Purpose of loan:
This loan pays off a portion of my higher interest Barclays credit card debt.
There's more debt to be financed at very attractive rates if this one goes successfully.
I APPRECIATE YOUR SUPPORT!
My financial situation:
ALWAYS CURRENT on Monthly Payments: 56 (Incl. Closed/Paid off) Revolving Lines of Credit
High Monthly IncomeRelatively High Credit Score (Experian 710+)
Monthly net income: $?11,341
Monthly expenses: $
??Housing: $ 4,100
??Insurance: $
140
??Car expenses: $0 <- Own my car free and clear!
??Utilities: $ 150
??Phone, cable, internet: $
120
??Food, entertainment: $ 350
??Clothing, household expenses $
100
??Credit cards and other loans: $
1370
??Other expenses: $ 200
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
449746
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:
| B |
Auction Duration:
| 7 days
|
|
Term:
| 36 months |
Estimated loss:
| 5.0% | | |
| | | |
|
|
Starting lender yield:
| 13.03% |
Starting borrower rate/APR:
| 14.03% / 16.19% |
Starting monthly payment:
| $170.96 |
| |
|
Auction yield range:
| 6.04% - 13.03% |
Estimated loss impact:
| 5.22% | | |
|
Lender servicing fee:
| 1.00% |
Estimated return:
| 7.81% | | |
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 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 scores:
| |
First credit line:
| Nov-1979 |
Debt/Income ratio:
| Self-employed (DTI Not Calculated) |
|
Basic (1-10):
| 8 |
Inquiries last 6m:
| 0 | Employment status: | Self-employed |
| Enhanced (1-5): | 5 |
Current / open credit lines:
| 11
/
9 | Length of status: | 14y 10m |
|
Credit score:
| 760-779 (Mar-2010) |
Total credit lines:
| 33 |
Occupation: | Professional |
|
Now delinquent:
| 0 |
Revolving credit balance:
| $18,639 | Stated income: | $100,000+ |
|
Amount delinquent:
| $0 |
Bankcard utilization:
| 51% | | |
|
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| No | | |
|
Delinquencies in last 7y:
| 0 | | | | |
|
Screen name:
| brightest-silver-announcer |
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
Winter Storm Set Back
Purpose of loan:In February we had the worst snow storm in 100 years in the Northern VA area.? This caused my jobs to cancel and/or reschedule for a later date. As a result I was out of work for 2 weeks and when I rescheduled jobs it prevented me from getting new jobs which set me back for the month. New work is starting to come in for April, May, and June now but it seems that the time in? January and February when bookings should have come in for March; everyone was too busy shoveling snow and missing work.? This has put me behind for the next few weeks.? This loan will be used to pay my mortgage this month and to consolidate a couple bills (pay off a van and small bills) and find someone to help generate a business plan to expand my growing business.
My financial situation:
I am a good candidate for this loan because the the?loans I plan to pay will equal or exceed the?monthly payment of?this loan. This loan will be used to pay my mortgage this month and to consolidate a couple bills (pay off a van and small bills) and find someone to help generate a business plan to expand my growing business.
My financial situation:
I am a good candidate for this loan because the the?loans I plan to pay will equal or exceed the?monthly payment of?this loan. This loan will be used to pay my mortgage this month and to consolidate a couple bills (pay off a van and small bills) and find someone to help generate a business plan to expand my growing business.
My financial situation:
I am a good candidate for this loan because the the?loans I plan to pay will equal or exceed the?monthly payment of?this loan.
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
449752
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:
| $2,800.00 |
Prosper Rating:
| AA |
Auction Duration:
| 7 days
|
|
Term:
| 36 months |
Estimated loss:
| 1.5% | | |
| | | |
|
|
Starting lender yield:
| 7.25% |
Starting borrower rate/APR:
| 8.25% / 8.59% |
Starting monthly payment:
| $88.07 |
| |
|
Auction yield range:
| 3.04% - 7.25% |
Estimated loss impact:
| 1.50% | | |
|
Lender servicing fee:
| 1.00% |
Estimated return:
| 5.75% | | |
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 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 scores:
| |
First credit line:
| Jul-1991 |
Debt/Income ratio:
| Not calculated |
|
Basic (1-10):
| 9 |
Inquiries last 6m:
| 0 | Employment status: | Full-time employee |
| Enhanced (1-5): | 5 |
Current / open credit lines:
| 8
/
7 | Length of status: | 14y 8m |
|
Credit score:
| 800-819 (Mar-2010) |
Total credit lines:
| 15 |
Occupation: | Other |
|
Now delinquent:
| 0 |
Revolving credit balance:
| $7,324 | Stated income: | $1-$24,999 |
|
Amount delinquent:
| $0 |
Bankcard utilization:
| 8% | | |
|
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| No | | |
|
Delinquencies in last 7y:
| 0 | | | | |
|
Screen name:
| uvumf |
Borrower's state:
| Wisconsin |
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 / 2 |
On-time:
| 22 ( 100% )
| 800-819 (Latest)
|
|
Principal borrowed:
| $11,500.00 | < mo. late:
| 0
( 0% )
| 760-779
(Apr-2008)
780-799
(Apr-2007)
|
|
Principal balance:
| $0.00 |
1+ mo. late:
| 0
( 0% )
|
|
Total payments billed:
| 22 | | |
Description
Kitchen Remodel
Purpose of loan:
This loan will be used to remodel our kitchen. We've had plans to re-do our kitchen for a number of years but put them on hold in order to pay off the mortgage first. We did that in December and are now very excited to finish our kitchen. We love to cook and garden and are looking forward to having a better designed space to work in.
This loan is mainly to insure that our cash-flow is sufficient to keep us current with all our expenses during the project. We had intended to do the whole thing from savings and paychecks but our cabinet maker had an opening in his schedule so we moved the start date up by nearly 3 weeks. That is the primary purpose of this loan.
My financial situation:
This is my 3rd Prosper.com loan. The first two were for business purposes. I run a small cafe and prosper was very helpful in funding some energy efficiency improvements. I'm also a prosper lender and really love the model of people lending to people - or, put another way, cutting the banks out of the loop.
The cost of this loan will be easy to cover. I draw a small salary from my business and my wife has a full-time job as the director of a non-profit.
Thanks for considering our loan request! Please feel free to ask any questions you may have.
Note: I notice that Prosper has 'No' listed for homeownership. I don't know why. We paid off our mortgage in December...
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
449756
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 |
Auction Duration:
| 7 days
|
|
Term:
| 36 months |
Estimated loss:
| 18.0% | | |
| | | |
|
|
Starting lender yield:
| 34.00% |
Starting borrower rate/APR:
| 35.00% / 37.45% |
Starting monthly payment:
| $904.72 |
| |
|
Auction yield range:
| 17.04% - 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 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 scores:
| |
First credit line:
| Jan-2005 |
Debt/Income ratio:
| Not calculated |
|
Basic (1-10):
| 3 |
Inquiries last 6m:
| 1 | Employment status: | Full-time employee |
| Enhanced (1-5): | 5 |
Current / open credit lines:
| 7
/
6 | Length of status: | 7y 1m |
|
Credit score:
| 760-779 (Mar-2010) |
Total credit lines:
| 9 |
Occupation: | Other |
|
Now delinquent:
| 0 |
Revolving credit balance:
| $944 | Stated income: | $50,000-$74,999 |
|
Amount delinquent:
| $0 |
Bankcard utilization:
| 22% | | |
|
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| Yes | | |
|
Delinquencies in last 7y:
| 0 | | | | |
|
Screen name:
| ScizyKBC |
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
Investment in realestate
Purpose of loan:
This loan will be used to buy a rental property. I have found a good rental property that i would like to purchase.The house is currently rented for an amount that will more than cover all payments due. I just paid off all my credit accounts except for 1 and own my truck...
My financial situation:
I am a good candidate for this loan because i have very little credit bills due each month.The rent,plus my overtime will pay this loan off in half the time.
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
449758
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 |
Auction Duration:
| 7 days
|
|
Term:
| 36 months |
Estimated loss:
| 10.0% | | |
| | | |
|
|
Starting lender yield:
| 31.32% |
Starting borrower rate/APR:
| 32.32% / 34.73% |
Starting monthly payment:
| $437.32 |
| |
|
Auction yield range:
| 11.04% - 31.32% |
Estimated loss impact:
| 10.79% | | |
|
Lender servicing fee:
| 1.00% |
Estimated return:
| 20.53% | | |
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 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 scores:
| |
First credit line:
| Aug-1997 |
Debt/Income ratio:
| Not calculated |
|
Basic (1-10):
| 6 |
Inquiries last 6m:
| 0 | Employment status: | Full-time employee |
| Enhanced (1-5): | 5 |
Current / open credit lines:
| 8
/
6 | Length of status: | 3y 7m |
|
Credit score:
| 720-739 (Mar-2010) |
Total credit lines:
| 60 |
Occupation: | Other |
|
Now delinquent:
| 0 |
Revolving credit balance:
| $19,709 | Stated income: | $25,000-$49,999 |
|
Amount delinquent:
| $0 |
Bankcard utilization:
| 61% | | |
|
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| No | | |
|
Delinquencies in last 7y:
| 0 | | | | |
|
Screen name:
| kkarrick74 |
Borrower's state:
| Oregon |
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
College or bust
Purpose of loan:
This loan will be used to help pay for books and other necessities for school for the remainder of this school year and part of next year as well.? It will also ease my mind a bit financially because it will give me a bit of a cushion too.? Next year I should be graduating and be on to bigger and better things, which I'm very excited about.?
My financial situation:
I am a good candidate for this loan because I pay my debts and on time and have a good credit score.
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
449762
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:
| $1,500.00 |
Prosper Rating:
| A |
Auction Duration:
| 7 days
|
|
Term:
| 36 months |
Estimated loss:
| 2.1% | | |
| | | |
|
|
Starting lender yield:
| 8.38% |
Starting borrower rate/APR:
| 9.38% / 11.72% |
Starting monthly payment:
| $47.97 |
| |
|
Auction yield range:
| 4.04% - 8.38% |
Estimated loss impact:
| 2.12% | | |
|
Lender servicing fee:
| 1.00% |
Estimated return:
| 6.26% | | |
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 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 scores:
| |
First credit line:
| May-1995 |
Debt/Income ratio:
| Self-employed (DTI Not Calculated) |
|
Basic (1-10):
| 9 |
Inquiries last 6m:
| 0 | Employment status: | Self-employed |
| Enhanced (1-5): | 4 |
Current / open credit lines:
| 2
/
2 | Length of status: | 1y 3m |
|
Credit score:
| 700-719 (Mar-2010) |
Total credit lines:
| 5 |
Occupation: | Sales - Retail |
|
Now delinquent:
| 0 |
Revolving credit balance:
| $4,638 | Stated income: | $25,000-$49,999 |
|
Amount delinquent:
| $0 |
Bankcard utilization:
| 54% | | |
|
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| No | | |
|
Delinquencies in last 7y:
| 0 | | | | |
|
Screen name:
| invincible-revenue4 |
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 Card for more reasonable rate
Purpose of loan:
This loan will be used to pay off a credit card as the APR changes.Simply rather pay investors then credit card companies that are constantly changing their rates with hidden costs makes more sense and is fulfilling.
My financial situation is good as i am running a international business .
I am a good candidate for this loan because i pay on time, i have healthy credit score and have no other major expenses such as a morgage, car payments ect...I look forward to presenting prosper with accurate payment as i expand my business .
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
449768
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:
| D |
Auction Duration:
| 7 days
|
|
Term:
| 36 months |
Estimated loss:
| 10.0% | | |
| | | |
|
|
Starting lender yield:
| 30.22% |
Starting borrower rate/APR:
| 31.22% / 33.62% |
Starting monthly payment:
| $215.61 |
| |
|
Auction yield range:
| 11.04% - 30.22% |
Estimated loss impact:
| 10.76% | | |
|
Lender servicing fee:
| 1.00% |
Estimated return:
| 19.46% | | |
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 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 scores:
| |
First credit line:
| Jul-1987 |
Debt/Income ratio:
| 30% |
|
Basic (1-10):
| 7 |
Inquiries last 6m:
| 2 | Employment status: | Full-time employee |
| Enhanced (1-5): | 3 |
Current / open credit lines:
| 11
/
9 | Length of status: | 9y 0m |
|
Credit score:
| 660-679 (Mar-2010) |
Total credit lines:
| 24 |
Occupation: | Social Worker |
|
Now delinquent:
| 0 |
Revolving credit balance:
| $15,443 | Stated income: | $25,000-$49,999 |
|
Amount delinquent:
| $0 |
Bankcard utilization:
| 82% | | |
|
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| Yes | | |
|
Delinquencies in last 7y:
| 3 | | | | |
|
Screen name:
| well-rounded-transparency9 |
Borrower's state:
| Arizona |
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
TILE AND CARPET
Purpose of loan:
This loan will be used to?
My financial situation:
I am a good candidate for this loan because?
Monthly net income: $ 3000
Monthly expenses: $ 1050
??Car expenses: $ 300
??Utilit 125?
??Food, entertainment: $ 200
??Clothing, household expenses $
??Credit cards and other loans: $
??Other expenses: $
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
449770
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:
| D |
Auction Duration:
| 7 days
|
|
Term:
| 36 months |
Estimated loss:
| 10.0% | | |
| | | |
|
|
Starting lender yield:
| 31.32% |
Starting borrower rate/APR:
| 32.32% / 34.73% |
Starting monthly payment:
| $524.79 |
| |
|
Auction yield range:
| 11.04% - 31.32% |
Estimated loss impact:
| 10.79% | | |
|
Lender servicing fee:
| 1.00% |
Estimated return:
| 20.53% | | |
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 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 scores:
| |
First credit line:
| Jan-2005 |
Debt/Income ratio:
| 14% |
|
Basic (1-10):
| 7 |
Inquiries last 6m:
| 0 | Employment status: | Full-time employee |
| Enhanced (1-5): | 5 |
Current / open credit lines:
| 6
/
6 | Length of status: | 3y 6m |
|
Credit score:
| 740-759 (Mar-2010) |
Total credit lines:
| 11 |
Occupation: | Construction |
|
Now delinquent:
| 0 |
Revolving credit balance:
| $5,200 | Stated income: | $50,000-$74,999 |
|
Amount delinquent:
| $0 |
Bankcard utilization:
| 39% | | |
|
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| No | | |
|
Delinquencies in last 7y:
| 0 | | | | |
|
Screen name:
| bold-lovely-yield |
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 my tuition at Kaplan University where I am? currently pursuing a Bachelor of Science degree in Business Administration
My financial situation:
I am a good candidate for this loan because?
I pay my bills on time and?I am ready to pay monthly bills as stipulated and more.
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
449780
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 |
Auction Duration:
| 7 days
|
|
Term:
| 36 months |
Estimated loss:
| 34.5% | | |
| | | |
|
|
Starting lender yield:
| 34.00% |
Starting borrower rate/APR:
| 35.00% / 37.45% |
Starting monthly payment:
| $316.65 |
| |
|
Auction yield range:
| 17.04% - 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 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 scores:
| |
First credit line:
| Aug-1998 |
Debt/Income ratio:
| Self-employed (DTI Not Calculated) |
|
Basic (1-10):
| 1 |
Inquiries last 6m:
| 1 | Employment status: | Self-employed |
| Enhanced (1-5): | 2 |
Current / open credit lines:
| 11
/
9 | Length of status: | 0y 5m |
|
Credit score:
| 660-679 (Mar-2010) |
Total credit lines:
| 43 |
Occupation: | Dentist |
|
Now delinquent:
| 4 |
Revolving credit balance:
| $2,082 | Stated income: | $0 |
|
Amount delinquent:
| $664 |
Bankcard utilization:
| 48% | | |
|
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| No | | |
|
Delinquencies in last 7y:
| 9 | | | | |
|
Screen name:
| discrete-bill3 |
Borrower's state:
| Arizona |
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
Advertising funds Dental Tourism
Purpose of loan:
To develop a best-in-class website, create a brand identity, and a begin an aggressive marketing campaign of Dental Getaways services to potential clients. Remaining funds will be used to support business operations until the Dental Getaways becomes self-sustaining. Dental Getaways is in development of two websites 1) www.dentalgetaways.com (a membership based website) and 2) www.dentaldestinationsdds.com (a commission based website)
My financial situation:
I am a good candidate for this loan because I am a postgraduate level educated individual, have extensive experience in the Central America region, and have two years experience working to end poverty in America as an Americorps VISTA. I have a passion to succeed and work ethic that can carry that passion . After taking the oath to live in poverty, at the level of those I was assisting, I have not acquired a large sum of working capital, but what I have managed to save has gone into all regional research, dental membership marketing and contract negotiation, and web development for three websites. I already have a short list on clients ready for dental travel, but need some more money for an advertising campaign and support staff
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
421159
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 |
Auction Duration:
| 7 days
|
|
Term:
| 36 months |
Estimated loss:
| 18.0% | | |
| | | |
|
|
Starting lender yield:
| 19.00% |
Starting borrower rate/APR:
| 20.00% / 22.24% |
Starting monthly payment:
| $260.15 |
| |
|
Auction yield range:
| 17.04% - 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 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 scores:
| |
First credit line:
| Oct-2006 |
Debt/Income ratio:
| Not calculated |
|
Basic (1-10):
| 5 |
Inquiries last 6m:
| 0 | Employment status: | Full-time employee |
| Enhanced (1-5): | 5 |
Current / open credit lines:
| 7
/
6 | Length of status: | 1y 2m |
|
Credit score:
| 640-659 (Mar-2010) |
Total credit lines:
| 10 |
Occupation: | Sales - Commission |
|
Now delinquent:
| 0 |
Revolving credit balance:
| $8,596 | Stated income: | $25,000-$49,999 |
|
Amount delinquent:
| $0 |
Bankcard utilization:
| 76% | | |
|
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| No | | |
|
Delinquencies in last 7y:
| 0 | | | | |
|
Screen name:
| transparency-broadcaster |
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
My interest rates are SKY HIGH
Purpose of loan:
This loan will be used to pay off bills, My apr on my credit cars are 29.99% and i need a lower one.
My financial situation:
I am a good candidate for this loan because i have a good job and i can pay it off but anytime i make payments im always paying 120-130 per credit card for the interest.
Monthly net income: $ 2,200 - $4000 depending on sales
Monthly expenses: $ 1400
??Housing: $ 800
??Insurance: $
120
??Car expenses: $
60
??Utilities: $
??Phone, cable, internet: $
120
??Food, entertainment: $ 200
??Clothing, household expenses $
100
??Credit cards and other loans: $
??Other expenses: $
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
449385
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:
| D |
Auction Duration:
| 7 days
|
|
Term:
| 36 months |
Estimated loss:
| 10.0% | | |
| | | |
|
|
Starting lender yield:
| 30.22% |
Starting borrower rate/APR:
| 31.22% / 33.62% |
Starting monthly payment:
| $323.42 |
| |
|
Auction yield range:
| 11.04% - 30.22% |
Estimated loss impact:
| 10.76% | | |
|
Lender servicing fee:
| 1.00% |
Estimated return:
| 19.46% | | |
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 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 scores:
| |
First credit line:
| Apr-2005 |
Debt/Income ratio:
| 44% |
|
Basic (1-10):
| 7 |
Inquiries last 6m:
| 1 | Employment status: | Full-time employee |
| Enhanced (1-5): | 4 |
Current / open credit lines:
| 11
/
11 | Length of status: | 2y 8m |
|
Credit score:
| 640-659 (Mar-2010) |
Total credit lines:
| 19 |
Occupation: | Other |
|
Now delinquent:
| 0 |
Revolving credit balance:
| $7,691 | Stated income: | $25,000-$49,999 |
|
Amount delinquent:
| $0 |
Bankcard utilization:
| 36% | | |
|
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| No | | |
|
Delinquencies in last 7y:
| 0 | | | | |
|
Screen name:
| GQ7 |
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
Consolidating debt before marriage
Purpose of loan:
This loan will be used to? Consolidate high intest credit card loans so that I can pay my debt down before i get married.
My financial situation:
I am a good candidate for this loan because? Over the last two years?I ?have learned to manage my spending and my income source is reliable enough to ensure full repayment
Monthly net income: $ 2200
Monthly expenses: $
??Housing: $ 0 - Live with parents
??Insurance: $ 0 - paid?by my company
??Car expenses: $ 800- this includes car?payment, gas and insurance
??Utilities: $?0
??Phone, cable, internet: $ 80 (phone)
??Food, entertainment: $ 100
??Clothing, household expenses $ 50
??Credit cards and other loans: $ 800??(I've been paying this much?as an attempt to rapidly eliminate high interest debt)
??Other expenses: $
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
449389
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 |
Auction Duration:
| 7 days
|
|
Term:
| 36 months |
Estimated loss:
| 34.5% | | |
| | | |
|
|
Starting lender yield:
| 17.06% |
Starting borrower rate/APR:
| 18.06% / 20.27% |
Starting monthly payment:
| $542.74 |
| |
|
Auction yield range:
| 17.04% - 17.06% |
Estimated loss impact:
| 35.44% | | |
|
Lender servicing fee:
| 1.00% |
Estimated return:
| -18.38% | | |
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 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 scores:
| |
First credit line:
| Mar-2000 |
Debt/Income ratio:
| 30% |
|
Basic (1-10):
| 1 |
Inquiries last 6m:
| 4 | Employment status: | Part-time employee |
| Enhanced (1-5): | 3 |
Current / open credit lines:
| 5
/
5 | Length of status: | 7y 5m |
|
Credit score:
| 700-719 (Mar-2010) |
Total credit lines:
| 11 |
Occupation: | Medical Technician |
|
Now delinquent:
| 0 |
Revolving credit balance:
| $1,483 | Stated income: | $25,000-$49,999 |
|
Amount delinquent:
| $0 |
Bankcard utilization:
| 27% | | |
|
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| No | | |
|
Delinquencies in last 7y:
| 0 | | | | |
|
Screen name:
| papote |
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.
Description
tropical ice
Purpose of loan:
To purchase an Italian Ice Push Cart and be able to offer a employment to someone who may need it.
My financial situation: Is very stable. I have worked in the health industry for over 20 years.? I am a certified Nurses Assistant.? Currently I work for Tomas Gomez and I take home $1,400.00 a month.? I also?work for Sandra & Robert Glass in which I take home $4,000.00 a month.?I have two credit cards which I only have abalance due of under $250.00 each.? I prefer to request this loan versus using my credit cards becuase I?rather use them for emergencies only.? I thank you for your careful consideration in this requests in hopes that I will be able to open my business soon.
Thak You,
Monthly net income:$5100
Monthly expenses: $3693
Utilities: $ 350.00
Phone, cable, internet: $265.00
Food, entertainment: $ 400.00
Clothing, household expenses $150.00
Credit cards and other loans: 600.00
Other expenses: $ car payment $443.00car isurance $185.00rent $1300.00
Thank You
Monthly net income:
Monthly 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
449391
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 |
Auction Duration:
| 7 days
|
|
Term:
| 36 months |
Estimated loss:
| 8.5% | | |
| | | |
|
|
Starting lender yield:
| 25.56% |
Starting borrower rate/APR:
| 26.56% / 28.89% |
Starting monthly payment:
| $1,014.74 |
| |
|
Auction yield range:
| 8.04% - 25.56% |
Estimated loss impact:
| 9.11% | | |
|
Lender servicing fee:
| 1.00% |
Estimated return:
| 16.45% | | |
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 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 scores:
| |
First credit line:
| Dec-1996 |
Debt/Income ratio:
| 28% |
|
Basic (1-10):
| 5 |
Inquiries last 6m:
| 2 | Employment status: | Full-time employee |
| Enhanced (1-5): | 4 |
Current / open credit lines:
| 22
/
20 | Length of status: | 13y 7m |
|
Credit score:
| 780-799 (Mar-2010) |
Total credit lines:
| 38 |
Occupation: | Other |
|
Now delinquent:
| 0 |
Revolving credit balance:
| $25,857 | Stated income: | $75,000-$99,999 |
|
Amount delinquent:
| $0 |
Bankcard utilization:
| 27% | | |
|
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| Yes | | |
|
Delinquencies in last 7y:
| 0 | | | | |
|
Screen name:
| glowing-basis3 |
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
consolidation loan
Purpose of loan:
I would like to consolidate all my credit?cards and lines of credit.?Our family has experienced?two deaths in the family this year and?including the downturn in the economy this has caused some concern financially.?
My financial situation:
My credit is in good standing and I have been with my employer for more than 14 years.
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
449403
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 |
Auction Duration:
| 7 days
|
|
Term:
| 36 months |
Estimated loss:
| 25.0% | | |
| | | |
|
|
Starting lender yield:
| 34.00% |
Starting borrower rate/APR:
| 35.00% / 37.45% |
Starting monthly payment:
| $361.89 |
| |
|
Auction yield range:
| 17.04% - 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 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 scores:
| |
First credit line:
| Aug-2002 |
Debt/Income ratio:
| 46% |
|
Basic (1-10):
| 2 |
Inquiries last 6m:
| 1 | Employment status: | Retired |
| Enhanced (1-5): | 2 |
Current / open credit lines:
| 7
/
6 | Length of status: | 2y 9m |
|
Credit score:
| 620-639 (Feb-2010) |
Total credit lines:
| 16 | Stated income: | $25,000-$49,999 |
|
Now delinquent:
| 0 |
Revolving credit balance:
| $2,000 | |
|
Amount delinquent:
| $0 |
Bankcard utilization:
| 98% | | |
|
Public records last 12m / 10y:
| 0/ 1 |
Homeownership:
| No | | |
|
Delinquencies in last 7y:
| 0 | | | | |
|
Screen name:
| pcrepair |
Borrower's state:
| Ohio |
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:
| 0 / 1 |
On-time:
| 17 ( 100% )
| 620-639 (Latest)
|
|
Principal borrowed:
| $2,500.00 | < mo. late:
| 0
( 0% )
| 600-619
(Jul-2008)
|
|
Principal balance:
| $0.00 |
1+ mo. late:
| 0
( 0% )
|
|
Total payments billed:
| 17 | | |
Description
Pay off 60% of my debts
Purpose of loan: Paying off truck???and?60% of?my debts?
My financial situation:
I am retired Navy veteran and on social secuity and I also build,repair,upgrade computers
Monthly net income: $ 3600
Monthly expenses: $ 1000
??Housing: $ 200
??Insurance: $ 110
??Car expenses: $ 110
??Utilities: $ 180
??Phone, cable, internet: $ 130
??Food, entertainment: $ 120
??Clothing, household expenses $80
??Credit cards and other loans: $ 200
??Other expenses: $ 486 Truck Payment
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
449415
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:
| C |
Auction Duration:
| 7 days
|
|
Term:
| 36 months |
Estimated loss:
| 7.0% | | |
| | | |
|
|
Starting lender yield:
| 9.00% |
Starting borrower rate/APR:
| 10.00% / 12.11% |
Starting monthly payment:
| $645.34 |
| |
|
Auction yield range:
| 8.04% - 9.00% |
Estimated loss impact:
| 7.18% | | |
|
Lender servicing fee:
| 1.00% |
Estimated return:
| 1.82% | | |
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 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 scores:
| |
First credit line:
| Aug-1987 |
Debt/Income ratio:
| 45% |
|
Basic (1-10):
| 6 |
Inquiries last 6m:
| 0 | Employment status: | Full-time employee |
| Enhanced (1-5): | 4 |
Current / open credit lines:
| 22
/
19 | Length of status: | 19y 1m |
|
Credit score:
| 780-799 (Mar-2010) |
Total credit lines:
| 50 |
Occupation: | Clerical |
|
Now delinquent:
| 0 |
Revolving credit balance:
| $22,044 | Stated income: | $50,000-$74,999 |
|
Amount delinquent:
| $0 |
Bankcard utilization:
| 21% | | |
|
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| No | | |
|
Delinquencies in last 7y:
| 0 | | | | |
|
Screen name:
| visionary-commitment8 |
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 OFF MY CREDIT CARDS
Purpose of loan:
This loan will be used to?
PAY MY CREDITS CARDS
My financial situation:
I am a good candidate for this loan because? I ALWAYS PAY MY BILLS ON TIME. I DO NOT TO GO THROUGH DEBT SETTLEMENT. I PREFER TO MAKE MONTHLY PAYMENTS TO PAY MY CREDITS CARDS.? I WANT TO KEEP MY GOOD CREDIT SCORE. ALSO, I CAN AFFORD TO MAKE THE REQUIRED MONTHLY PAYMENTS BECAUSE?I AM FULLY EMPLOYED.? I PREVIOUSLY PAID? MY LOANS AND HOPE TO HAVE THE CHANCE TO PROVE THAT I CAN DO IT AGAIN.
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
449417
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 |
Auction Duration:
| 7 days
|
|
Term:
| 36 months |
Estimated loss:
| 8.0% | | |
| | | |
|
|
Starting lender yield:
| 11.00% |
Starting borrower rate/APR:
| 12.00% / 14.13% |
Starting monthly payment:
| $232.50 |
| |
|
Auction yield range:
| 8.04% - 11.00% |
Estimated loss impact:
| 8.23% | | |
|
Lender servicing fee:
| 1.00% |
Estimated return:
| 2.77% | | |
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 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 scores:
| |
First credit line:
| Jan-1996 |
Debt/Income ratio:
| 18% |
|
Basic (1-10):
| 8 |
Inquiries last 6m:
| 0 | Employment status: | Full-time employee |
| Enhanced (1-5): | 5 |
Current / open credit lines:
| 4
/
4 | Length of status: | 5y 6m |
|
Credit score:
| 720-739 (Mar-2010) |
Total credit lines:
| 13 |
Occupation: | Other |
|
Now delinquent:
| 0 |
Revolving credit balance:
| $5,364 | Stated income: | $50,000-$74,999 |
|
Amount delinquent:
| $0 |
Bankcard utilization:
| 42% | | |
|
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| No | | |
|
Delinquencies in last 7y:
| 0 | | | | |
|
Screen name:
| pragmatic-peso |
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
Pay off credit cards
Purpose of loan:
This loan will be used to pay off my credit card balance?
My financial situation:
I am a good candidate for this loan because I recently moved into an apartment with lower rent and I have continually paid my current loan and past loans with no issues.
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
449421
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:
| $16,000.00 |
Prosper Rating:
| C |
Auction Duration:
| 7 days
|
|
Term:
| 36 months |
Estimated loss:
| 7.0% | | |
| | | |
|
|
Starting lender yield:
| 22.93% |
Starting borrower rate/APR:
| 23.93% / 26.22% |
Starting monthly payment:
| $627.14 |
| |
|
Auction yield range:
| 8.04% - 22.93% |
Estimated loss impact:
| 7.54% | | |
|
Lender servicing fee:
| 1.00% |
Estimated return:
| 15.39% | | |
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 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 scores:
| |
First credit line:
| Mar-1993 |
Debt/Income ratio:
| 30% |
|
Basic (1-10):
| 6 |
Inquiries last 6m:
| 0 | Employment status: | Full-time employee |
| Enhanced (1-5): | 5 |
Current / open credit lines:
| 7
/
6 | Length of status: | 10y 3m |
|
Credit score:
| 760-779 (Mar-2010) |
Total credit lines:
| 33 |
Occupation: | Other |
|
Now delinquent:
| 0 |
Revolving credit balance:
| $15,356 | Stated income: | $50,000-$74,999 |
|
Amount delinquent:
| $0 |
Bankcard utilization:
| 69% | | |
|
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| Yes | | |
|
Delinquencies in last 7y:
| 0 | | | | |
|
Screen name:
| diverse-return9 |
Borrower's state:
| Nebraska |
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
On my way to be debt free!!
Purpose of loan:
This loan will be used to pay off a Citi credit card.? I received a notification that the interest rate will increase to 29.99% in November.? I could have closed my account and continued with the interest rate, however, I didn't want?to risk my credit rating with a closed account with a balance.? My current payments are over $500 but with the current interest rate it will take many years to pay this debt.
My financial situation:
I am a good candidate for this loan because my current credit ratings are good.? I have stable employment with my current company for 10 years and have increasingly improved my income year after year.? I have chosen to aggressively pay off debt to become free from owing other individuals/companies money.? I have sold several items within my household to improve my debt situation and to become debt free.? My wife and I have developed a 4 year plan to eliminate all debt except for our mortgage.? We have created a budget and?currently using a cash envelope system.? We have paid off one credit card and our automobile in the last 2 months and have rolled those payments into the next credit card to reduce debt faster.? I am very frustrated with?Citi for increasing our interest rate even with on time payments and don't?want to negatively affect our credit rating by closing the account.? I?want close the account with a zero balance.? Thank you for taking the time to read this posting.
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
449445
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 |
Auction Duration:
| 7 days
|
|
Term:
| 36 months |
Estimated loss:
| 2.1% | | |
| | | |
|
|
Starting lender yield:
| 8.38% |
Starting borrower rate/APR:
| 9.38% / 11.48% |
Starting monthly payment:
| $191.86 |
| |
|
Auction yield range:
| 4.04% - 8.38% |
Estimated loss impact:
| 2.12% | | |
|
Lender servicing fee:
| 1.00% |
Estimated return:
| 6.26% | | |
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 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 scores:
| |
First credit line:
| Jun-2004 |
Debt/Income ratio:
| 20% |
|
Basic (1-10):
| 9 |
Inquiries last 6m:
| 0 | Employment status: | Full-time employee |
| Enhanced (1-5): | 5 |
Current / open credit lines:
| 9
/
9 | Length of status: | 1y 5m |
|
Credit score:
| 720-739 (Mar-2010) |
Total credit lines:
| 11 |
Occupation: | Other |
|
Now delinquent:
| 0 |
Revolving credit balance:
| $8,786 | Stated income: | $25,000-$49,999 |
|
Amount delinquent:
| $0 |
Bankcard utilization:
| 30% | | |
|
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| No | | |
|
Delinquencies in last 7y:
| 0 | | | | |
|
Screen name:
| felicity-image |
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
Paying off credit cards
Purpose of loan:
This loan will be used to?
This loan will be used to pay off credit cards that I have. My balances aren't to high but I just want to get everything into a one payment type of plan. I would like get a payment of around 200 a month which is about what i pay for all of the credit cards together. Also would like to use the rest of the loan to pay off the rest of my car loan. Thats all i want to use it for, just too make it easier to just have one bigger payment then, lots of little payments scattered around.
My financial situation:
I am a good candidate for this loan because I am good at keeping up with payments and paying them on time. I believe my credit score is good and that to me is a good sign that I can keep up with payments and timing which?I have never had a problem with. My financial situation is good, all I want to do is just consolidate into one payment instead of many.
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
449463
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:
| D |
Auction Duration:
| 7 days
|
|
Term:
| 36 months |
Estimated loss:
| 10.0% | | |
| | | |
|
|
Starting lender yield:
| 30.22% |
Starting borrower rate/APR:
| 31.22% / 33.62% |
Starting monthly payment:
| $323.42 |
| |
|
Auction yield range:
| 11.04% - 30.22% |
Estimated loss impact:
| 10.76% | | |
|
Lender servicing fee:
| 1.00% |
Estimated return:
| 19.46% | | |
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 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 scores:
| |
First credit line:
| Jul-1999 |
Debt/Income ratio:
| 11% |
|
Basic (1-10):
| 7 |
Inquiries last 6m:
| 2 | Employment status: | Full-time employee |
| Enhanced (1-5): | 5 |
Current / open credit lines:
| 4
/
4 | Length of status: | 15y 1m |
|
Credit score:
| 680-699 (Mar-2010) |
Total credit lines:
| 13 |
Occupation: | Accountant/CPA |
|
Now delinquent:
| 0 |
Revolving credit balance:
| $5,979 | Stated income: | $50,000-$74,999 |
|
Amount delinquent:
| $0 |
Bankcard utilization:
| 43% | | |
|
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| Yes | | |
|
Delinquencies in last 7y:
| 0 | | | | |
|
Screen name:
| auction-porcelain2 |
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 wedding arrangments and?a couple home improvments?
My financial situation:
I am a good candidate for this loan because? because i have great credit and i pay my bills
Monthly net income: $
Monthly expenses: $
??Housing: $ 1361????
??Insurance: $ 76
??Car expenses: $ 332
??Utilities: $ 90
??Phone, cable, internet: $ 100
??Food, entertainment: $ 250?????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????? and other loans: $
??Other expenses: $
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
449469
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:
| AA |
Auction Duration:
| 7 days
|
|
Term:
| 36 months |
Estimated loss:
| 1.5% | | |
| | | |
|
|
Starting lender yield:
| 13.50% |
Starting borrower rate/APR:
| 14.50% / 14.85% |
Starting monthly payment:
| $344.21 |
| |
|
Auction yield range:
| 3.04% - 13.50% |
Estimated loss impact:
| 1.52% | | |
|
Lender servicing fee:
| 1.00% |
Estimated return:
| 11.98% | | |
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 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 scores:
| |
First credit line:
| Oct-1991 |
Debt/Income ratio:
| 8% |
|
Basic (1-10):
| 9 |
Inquiries last 6m:
| 2 | Employment status: | Full-time employee |
| Enhanced (1-5): | 5 |
Current / open credit lines:
| 11
/
10 | Length of status: | 0y 3m |
|
Credit score:
| 800-819 (Mar-2010) |
Total credit lines:
| 37 |
Occupation: | Executive |
|
Now delinquent:
| 0 |
Revolving credit balance:
| $20,913 | Stated income: | $100,000+ |
|
Amount delinquent:
| $0 |
Bankcard utilization:
| 28% | | |
|
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| Yes | | |
|
Delinquencies in last 7y:
| 0 | | | | |
|
Screen name:
| first-rupee-windmill |
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
Pool
Purpose of loan:
This loan will be used to? pay a portion of cost for an Inground Pool.?? I will be putting up half the cash myself, the remainder I want to finance
My financial situation:
?I have great credit and have never defaulted on a loan.?? ? My income supports my ability to repay the loan.
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
449487
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:
| AA |
Auction Duration:
| 7 days
|
|
Term:
| 36 months |
Estimated loss:
| 1.5% | | |
| | | |
|
|
Starting lender yield:
| 9.49% |
Starting borrower rate/APR:
| 10.49% / 10.84% |
Starting monthly payment:
| $649.95 |
| |
|
Auction yield range:
| 3.04% - 9.49% |
Estimated loss impact:
| 1.51% | | |
|
Lender servicing fee:
| 1.00% |
Estimated return:
| 7.98% | | |
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 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 scores:
| |
First credit line:
| Mar-1992 |
Debt/Income ratio:
| 15% |
|
Basic (1-10):
| 8 |
Inquiries last 6m:
| 0 | Employment status: | Full-time employee |
| Enhanced (1-5): | 5 |
Current / open credit lines:
| 18
/
17 | Length of status: | 2y 5m |
|
Credit score:
| 840-859 (Mar-2010) |
Total credit lines:
| 50 |
Occupation: | Professional |
|
Now delinquent:
| 0 |
Revolving credit balance:
| $20,733 | Stated income: | $100,000+ |
|
Amount delinquent:
| $0 |
Bankcard utilization:
| 17% | | |
|
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| Yes | | |
|
Delinquencies in last 7y:
| 0 | | | | |
|
Screen name:
| exuberant-truth816 |
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
Paying off my credit cards
Purpose of loan:
This loan will be used to?Consolidate credit card debt and lower my interest rate payments.?
My financial situation:
I am a good candidate for this loan because?I make a good income, almost half of which is a federal pension and highly secure. I?made my last college payment for the last of my three children just a few days ago (using the credit card). I will be in a positive cash flow situation for the rest of my life. The major part of my debt was on a interest free credit card that just expired. I plan to pay off this loan quickly but want to do so at a lower interest rate.
This loan will be well secured. Besides my house which is valued at 400k, I also have almost 500k in my 401k. I can withdraw well over 10k this year without penalty because of education payments if necessary to help pay off the loan.
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
449493
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:
| $3,600.00 |
Prosper Rating:
| A |
Auction Duration:
| 7 days
|
|
Term:
| 36 months |
Estimated loss:
| 2.1% | | |
| | | |
|
|
Starting lender yield:
| 8.38% |
Starting borrower rate/APR:
| 9.38% / 11.48% |
Starting monthly payment:
| $115.12 |
| |
|
Auction yield range:
| 4.04% - 8.38% |
Estimated loss impact:
| 2.12% | | |
|
Lender servicing fee:
| 1.00% |
Estimated return:
| 6.26% | | |
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 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 scores:
| |
First credit line:
| Sep-1991 |
Debt/Income ratio:
| 41% |
|
Basic (1-10):
| 9 |
Inquiries last 6m:
| 0 | Employment status: | Part-time employee |
| Enhanced (1-5): | 5 |
Current / open credit lines:
| 10
/
10 | Length of status: | 4y 10m |
|
Credit score:
| 760-779 (Mar-2010) |
Total credit lines:
| 31 |
Occupation: | Nurse (RN) |
|
Now delinquent:
| 0 |
Revolving credit balance:
| $5,742 | Stated income: | $25,000-$49,999 |
|
Amount delinquent:
| $0 |
Bankcard utilization:
| 23% | | |
|
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| Yes | | |
|
Delinquencies in last 7y:
| 0 | | | | |
|
Screen name:
| lucyalt |
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:
| 35 ( 100% )
| 760-779 (Latest)
|
|
Principal borrowed:
| $10,000.00 | < mo. late:
| 0
( 0% )
| 780-799
(Feb-2007)
|
|
Principal balance:
| $320.44 |
1+ mo. late:
| 0
( 0% )
|
|
Total payments billed:
| 35 | | |
Description
Home Improvement
I am paying off my first Prosper loan this month--36 on-time payments of approximately $317 per month.? I am a?41 year-old single mother of one child.? I have worked as an RN for?12 years now.??I am currently working for an agency at a large corporation's metro headquarters.? My current hourly rate is $37/hr, and I work 3-4 days per week.? I also have a second job working prn in a hospital emergency department.??This?loan is to pay for several things including roof?repairs and gutters, landscaping, and vehicle repair.?
Monthly Net Income:???? salary? $3200, child support? $500?
mortgage??690?????????????????
utilities?????480?????????????????
Visa??????? ??90??????????????????
gas??????????120?????????????????
groceries? 350
loans??????? 400
cash after main expenses $1570
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
449505
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 |
Auction Duration:
| 7 days
|
|
Term:
| 36 months |
Estimated loss:
| 34.5% | | |
| | | |
|
|
Starting lender yield:
| 17.05% |
Starting borrower rate/APR:
| 18.05% / 20.26% |
Starting monthly payment:
| $361.77 |
| |
|
Auction yield range:
| 17.04% - 17.05% |
Estimated loss impact:
| 35.44% | | |
|
Lender servicing fee:
| 1.00% |
Estimated return:
| -18.39% | | |
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 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 scores:
| |
First credit line:
| Sep-1996 |
Debt/Income ratio:
| Not calculated |
|
Basic (1-10):
| 1 |
Inquiries last 6m:
| 1 | Employment status: | Not employed |
| Enhanced (1-5): | 4 |
Current / open credit lines:
| 7
/
5 | Length of status: | 0y 2m |
|
Credit score:
| 680-699 (Feb-2010) |
Total credit lines:
| 22 | Stated income: | Not employed |
|
Now delinquent:
| 0 |
Revolving credit balance:
| $7,320 | |
|
Amount delinquent:
| $0 |
Bankcard utilization:
| 95% | | |
|
Public records last 12m / 10y:
| 0/ 1 |
Homeownership:
| Yes | | |
|
Delinquencies in last 7y:
| 0 | | | | |
|
Screen name:
| happy-note6 |
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 the completion of my B.S. in Organizational Leadership for Not-for-Profits and allow me to begin my master's degree program.
I am a good candidate for this loan because I know the value of having a degree. After my son was born 10 years ago, I took a leave of absence form college to raise him and began working as a newspaper editor. The pay was low and our family was struggling. I wanted to return to school many times over the past 10 years but my job responsibilities would not allow me to do so. After careful consideration and with the support of my family, I made the decision to leave my position and concentrate on finishing my degree. When I graduate in December, I will be the first person in my family to have gone to and graduated from college. I will also prove to others that having a disability does not stop you from making your dreams come true.
Monthly net income: $ $1,300.00
Monthly expenses: $
??Housing: $0
??Insurance: $0
??Car expenses:
??Utilities:
??Phone, cable, internet:
??Food, entertainment: $100
??Clothing, household expenses $0
??Credit cards and other loans: $600
??Other expenses: $0
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
449511
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 |
Auction Duration:
| 7 days
|
|
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:
| 17.04% - 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 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 scores:
| |
First credit line:
| Aug-1999 |
Debt/Income ratio:
| 38% |
|
Basic (1-10):
| 3 |
Inquiries last 6m:
| 0 | Employment status: | Full-time employee |
| Enhanced (1-5): | 5 |
Current / open credit lines:
| 4
/
4 | Length of status: | 4y 10m |
|
Credit score:
| 700-719 (Mar-2010) |
Total credit lines:
| 7 |
Occupation: | Administrative Assi... |
|
Now delinquent:
| 0 |
Revolving credit balance:
| $1,815 | Stated income: | $25,000-$49,999 |
|
Amount delinquent:
| $0 |
Bankcard utilization:
| 90% | | |
|
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| No | | |
|
Delinquencies in last 7y:
| 0 | | | | |
|
Screen name:
| forthright-dime16 |
Borrower's state:
| Wisconsin |
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 Medical and creidt bills
Purpose of loan:
This loan will be used to? Pay off Medical and credit card bills ranging from10%-29% rate. I want to make 1 payment with a great rate.
My financial situation:
I am a good candidate for this loan because? I have pretty good credit and I have a very Secure and Stable job.
Monthly net income: $ 2,854.80
Monthly expenses: $1,755.00
??Housing: $ 625.00
??Insurance: $ 45.00
??Car expenses: $ 50.00
??Utilities: $ 165.00
??Phone, cable, internet: $ 70.00
??Food, entertainment: $ 400.00
??Clothing, household expenses $ 100.00
??Credit cards and other loans: $ 250.00
??Other expenses: $50.00
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
449523
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:
| $4,000.00 |
Prosper Rating:
| HR |
Auction Duration:
| 7 days
|
|
Term:
| 36 months |
Estimated loss:
| 18.0% | | |
| | | |
|
|
Starting lender yield:
| 34.00% |
Starting borrower rate/APR:
| 35.00% / 37.45% |
Starting monthly payment:
| $180.94 |
| |
|
Auction yield range:
| 17.04% - 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 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 scores:
| |
First credit line:
| Aug-2000 |
Debt/Income ratio:
| 25% |
|
Basic (1-10):
| 5 |
Inquiries last 6m:
| 0 | Employment status: | Full-time employee |
| Enhanced (1-5): | 4 |
Current / open credit lines:
| 11
/
10 | Length of status: | 2y 8m |
|
Credit score:
| 660-679 (Mar-2010) |
Total credit lines:
| 13 |
Occupation: | Other |
|
Now delinquent:
| 0 |
Revolving credit balance:
| $1,849 | Stated income: | $25,000-$49,999 |
|
Amount delinquent:
| $0 |
Bankcard utilization:
| 0% | | |
|
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| No | | |
|
Delinquencies in last 7y:
| 0 | | | | |
|
Screen name:
| rate-goose |
Borrower's state:
| Alabama |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Description
trying to buy a wedding ring
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
449529
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 |
Auction Duration:
| 7 days
|
|
Term:
| 36 months |
Estimated loss:
| 18.0% | | |
| | | |
|
|
Starting lender yield:
| 19.00% |
Starting borrower rate/APR:
| 20.00% / 22.24% |
Starting monthly payment:
| $278.73 |
| |
|
Auction yield range:
| 17.04% - 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 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 scores:
| |
First credit line:
| Dec-1996 |
Debt/Income ratio:
| 29% |
|
Basic (1-10):
| 5 |
Inquiries last 6m:
| 0 | Employment status: | Full-time employee |
| Enhanced (1-5): | 4 |
Current / open credit lines:
| 7
/
6 | Length of status: | 4y 9m |
|
Credit score:
| 660-679 (Mar-2010) |
Total credit lines:
| 17 |
Occupation: | Retail Management |
|
Now delinquent:
| 1 |
Revolving credit balance:
| $13,980 | Stated income: | $25,000-$49,999 |
|
Amount delinquent:
| $695 |
Bankcard utilization:
| 88% | | |
|
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| No | | |
|
Delinquencies in last 7y:
| 0 | | | | |
|
Screen name:
| Need-some-money |
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
Pay off my Debt
Purpose of loan:
This loan will be used to Pay off my Credit Cards on which I have been never late and currently paying minimum due to the high interest rates.
My financial situation:
I am a good candidate for this loan because I am late on my payments and if I know how much i have to pay monthly to clear my debt in 3 years I will be more motivated.
Monthly net income: $
60,000? This included mine as well as my wife who works full time ass well
Monthly expenses: $
??Housing: $
900
??Insurance: $
125
??Car expenses: $
365
??Utilities: $
80
??Phone, cable, internet: $
125
??Food, entertainment: $
200
??Clothing, household expenses $
100
??Credit cards and other loans: $
600
??Other expenses: $
300
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
449559
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:
| A |
Auction Duration:
| 7 days
|
|
Term:
| 36 months |
Estimated loss:
| 2.1% | | |
| | | |
|
|
Starting lender yield:
| 11.01% |
Starting borrower rate/APR:
| 12.01% / 14.14% |
Starting monthly payment:
| $332.19 |
| |
|
Auction yield range:
| 4.04% - 11.01% |
Estimated loss impact:
| 2.14% | | |
|
Lender servicing fee:
| 1.00% |
Estimated return:
| 8.87% | | |
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 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 scores:
| |
First credit line:
| May-1996 |
Debt/Income ratio:
| 37% |
|
Basic (1-10):
| 9 |
Inquiries last 6m:
| 0 | Employment status: | Full-time employee |
| Enhanced (1-5): | 4 |
Current / open credit lines:
| 9
/
8 | Length of status: | 5y 7m |
|
Credit score:
| 720-739 (Mar-2010) |
Total credit lines:
| 12 |
Occupation: | Other |
|
Now delinquent:
| 0 |
Revolving credit balance:
| $44,997 | Stated income: | $50,000-$74,999 |
|
Amount delinquent:
| $0 |
Bankcard utilization:
| 60% | | |
|
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| No | | |
|
Delinquencies in last 7y:
| 0 | | | | |
|
Screen name:
| blue-listing-cocktail |
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
road to freedom
Purpose of loan:
I got a credit card that increased the interest rate and cut down my available balance for no reason. I have never been late or missed a payment but they decided to change it anyways. I tried to?negotiate with them?but because I'm making my payments, they won't change it. This has affected my other credit cards as well and my credit score. I have been trying to get rid of them and this will set me back. I have not used these cards for the last 4 years and don't intend to. I just want to pay them off and close the accounts. I want to pay off?everything I owe?in the next 3 years.This rate increase will set me back a couple of years, not to mention a couple of thousand dollars.
My financial situation:
I have a full time job and live within my means. I?have never been late for any payments and have never missed one either. My goal is to eliminate my debt in?3 years?so any extra money goes towards this goal.
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
449563
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 |
Auction Duration:
| 7 days
|
|
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:
| 17.04% - 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 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 scores:
| |
First credit line:
| Jun-1985 |
Debt/Income ratio:
| 101% |
|
Basic (1-10):
| 4 |
Inquiries last 6m:
| 3 | Employment status: | Full-time employee |
| Enhanced (1-5): | 2 |
Current / open credit lines:
| 13
/
10 | Length of status: | 12y 4m |
|
Credit score:
| 640-659 (Feb-2010) |
Total credit lines:
| 39 |
Occupation: | Other |
|
Now delinquent:
| 1 |
Revolving credit balance:
| $12,985 | Stated income: | $25,000-$49,999 |
|
Amount delinquent:
| $917 |
Bankcard utilization:
| 52% | | |
|
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| Yes | | |
|
Delinquencies in last 7y:
| 0 | | | | |
|
Screen name:
| Pretty-Girl |
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
Roof Repair
Purpose of loan:
This loan will be used to?repair roof?????
My financial situation:
I am a good candidate for this loan because? I have been in the same position for 12 plus years and can be trusted to repay this loan. I understand I am a high risk but please give me a chance. I am currently working to repair my credit.
Monthly net income: $ 2800.00
Monthly expenses: $
??Housing: $
??Insurance: $
??Car expenses: $ 387.91
??Utilities: $ 65.00
??Phone, cable, internet: $ 50.00
??Food, entertainment: $ 150.00
??Clothing, household expenses $100.00
??Credit cards and other loans: $ 100.00
Other expenses: $
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
449567
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:
| $4,000.00 |
Prosper Rating:
| HR |
Auction Duration:
| 7 days
|
|
Term:
| 36 months |
Estimated loss:
| 34.5% | | |
| | | |
|
|
Starting lender yield:
| 34.00% |
Starting borrower rate/APR:
| 35.00% / 37.45% |
Starting monthly payment:
| $180.94 |
| |
|
Auction yield range:
| 17.04% - 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 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 scores:
| |
First credit line:
| Nov-1994 |
Debt/Income ratio:
| 40% |
|
Basic (1-10):
| 1 |
Inquiries last 6m:
| 1 | Employment status: | Part-time employee |
| Enhanced (1-5): | 2 |
Current / open credit lines:
| 1
/
1 | Length of status: | 8y 2m |
|
Credit score:
| 640-659 (Feb-2010) |
Total credit lines:
| 25 |
Occupation: | Medical Technician |
|
Now delinquent:
| 1 |
Revolving credit balance:
| $0 | Stated income: | $1-$24,999 |
|
Amount delinquent:
| $3,462 |
Bankcard utilization:
| 0% | | |
|
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| No | | |
|
Delinquencies in last 7y:
| 15 | | | | |
|
Screen name:
| tenamarie |
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:
| 25 ( 100% )
| 640-659 (Latest)
|
|
Principal borrowed:
| $7,000.00 | < mo. late:
| 0
( 0% )
| 680-699
(Jan-2008)
|
|
Principal balance:
| $2,516.66 |
1+ mo. late:
| 0
( 0% )
|
|
Total payments billed:
| 25 | | |
Description
Paying off creditors
Purpose of loan:
This loan will be used to pay off all our creditors.
My financial situation:
I am a good candidate for this loan because I've been working as a surgical technologist for 12 years and my jobs are secure. My husband works full-time as a registered nurse in a surgical center in Stockton. I have been a Prosper member for 2 years and have made on-time payments on this loan.
Monthly net income: $ 3,400
Monthly expenses: $ $2,244.91
??Housing: $500
??Insurance: $104.81
??Car expenses: $288.40
??Utilities: $130
??Phone, cable, internet: $250
??Food, entertainment: $100
??Clothing, household expenses $100
??Credit cards and other loans: $747.70
??Other expenses: $24
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
449569
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:
| D |
Auction Duration:
| 7 days
|
|
Term:
| 36 months |
Estimated loss:
| 10.0% | | |
| | | |
|
|
Starting lender yield:
| 34.00% |
Starting borrower rate/APR:
| 35.00% / 39.15% |
Starting monthly payment:
| $45.24 |
| |
|
Auction yield range:
| 11.04% - 34.00% |
Estimated loss impact:
| 10.87% | | |
|
Lender servicing fee:
| 1.00% |
Estimated return:
| 23.13% | | |
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 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 scores:
| |
First credit line:
| Oct-1995 |
Debt/Income ratio:
| Not calculated |
|
Basic (1-10):
| 8 |
Inquiries last 6m:
| 0 | Employment status: | Retired |
| Enhanced (1-5): | 3 |
Current / open credit lines:
| 2
/
2 | Length of status: | 6y 10m |
|
Credit score:
| 640-659 (Feb-2010) |
Total credit lines:
| 22 | Stated income: | $1-$24,999 |
|
Now delinquent:
| 0 |
Revolving credit balance:
| $2,500 | |
|
Amount delinquent:
| $0 |
Bankcard utilization:
| 100% | | |
|
Public records last 12m / 10y:
| 0/ 1 |
Homeownership:
| No | | |
|
Delinquencies in last 7y:
| 0 | | | | |
|
Screen name:
| wise-wealth-performer |
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
Debt Consolidation
Purpose of loan:
This loan will be used to?Pay bill I owe?
My financial situation:
I am a good candidate for this loan because? I will have the payment paid to you directly from my checking account, you will get your payment first.
Monthly net income: $
3150.00
Monthly expenses: $?1437.00
??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
449573
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:
| $14,000.00 |
Prosper Rating:
| AA |
Auction Duration:
| 7 days
|
|
Term:
| 36 months |
Estimated loss:
| 1.5% | | |
| | | |
|
|
Starting lender yield:
| 8.48% |
Starting borrower rate/APR:
| 9.48% / 9.82% |
Starting monthly payment:
| $448.33 |
| |
|
Auction yield range:
| 3.04% - 8.48% |
Estimated loss impact:
| 1.50% | | |
|
Lender servicing fee:
| 1.00% |
Estimated return:
| 6.98% | | |
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 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 scores:
| |
First credit line:
| Dec-1998 |
Debt/Income ratio:
| 10% |
|
Basic (1-10):
| 6 |
Inquiries last 6m:
| 2 | Employment status: | Full-time employee |
| Enhanced (1-5): | 5 |
Current / open credit lines:
| 15
/
14 | Length of status: | 0y 11m |
|
Credit score:
| 800-819 (Feb-2010) |
Total credit lines:
| 36 |
Occupation: | Retail Management |
|
Now delinquent:
| 0 |
Revolving credit balance:
| $5,680 | Stated income: | $100,000+ |
|
Amount delinquent:
| $0 |
Bankcard utilization:
| 19% | | |
|
Public records last 12m / 10y:
| 0/ 1 |
Homeownership:
| Yes | | |
|
Delinquencies in last 7y:
| 0 | | | | |
|
Screen name:
| Debt-Free-Future |
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
Consolidate To Become Debt Free
Purpose of loan:
This loan will be used to?
consolidate our credit card debt into one payment at a lower interest rate to become debt free faster.
My financial situation:
I am a good candidate for this loan because?We no longer use credit cards and are trying to become debt free in less than 3 years. Almost 95% of our debt came from Medical expenses trying to become pregnant. We finally got pregnant early last march with the help of some great doctors and treatment. We lost our daughter two weeks before the due date. That is the main reason we would like to pay this debt off asap. Also, we would be saving money with our interest rates on our credit cards about to go up. Thanks for your consideration for this loan and any questions are welcome.
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
449575
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 |
Auction Duration:
| 7 days
|
|
Term:
| 36 months |
Estimated loss:
| 18.0% | | |
| | | |
|
|
Starting lender yield:
| 34.00% |
Starting borrower rate/APR:
| 35.00% / 37.45% |
Starting monthly payment:
| $135.71 |
| |
|
Auction yield range:
| 17.04% - 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 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 scores:
| |
First credit line:
| Mar-1996 |
Debt/Income ratio:
| 26% |
|
Basic (1-10):
| 5 |
Inquiries last 6m:
| 1 | Employment status: | Full-time employee |
| Enhanced (1-5): | 4 |
Current / open credit lines:
| 7
/
6 | Length of status: | 12y 6m |
|
Credit score:
| 680-699 (Mar-2010) |
Total credit lines:
| 32 |
Occupation: | Truck Driver |
|
Now delinquent:
| 0 |
Revolving credit balance:
| $643 | Stated income: | $50,000-$74,999 |
|
Amount delinquent:
| $0 |
Bankcard utilization:
| 0% | | |
|
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| Yes | | |
|
Delinquencies in last 7y:
| 23 | | | | |
|
Screen name:
| Mekmek |
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.
Description
loan payment
Purpose of loan:
This loan will be used to off a credit card I put school expense on.
My financial situation:
I am a good candidate for this loan because I?pay my bills timely?
Monthly net income: $ 2800
Monthly expenses: $
??Housing: $ 588
??Insurance: $
??Car expenses: $ 657
??Utilities: $ 120
??Phone, cable, internet: $ 150
??Food, entertainment: $ 150
??Clothing, household expenses $ 0
??Credit cards and other loans: $?50
??Other expenses: $ 200
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
449585
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 |
Auction Duration:
| 7 days
|
|
Term:
| 36 months |
Estimated loss:
| 34.5% | | |
| | | |
|
|
Starting lender yield:
| 34.00% |
Starting borrower rate/APR:
| 35.00% / 37.45% |
Starting monthly payment:
| $113.09 |
| |
|
Auction yield range:
| 17.04% - 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 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 scores:
| |
First credit line:
| Dec-2004 |
Debt/Income ratio:
| 20% |
|
Basic (1-10):
| 1 |
Inquiries last 6m:
| 7 | Employment status: | Full-time employee |
| Enhanced (1-5): | 2 |
Current / open credit lines:
| 8
/
8 | Length of status: | 7y 11m |
|
Credit score:
| 640-659 (Feb-2010) |
Total credit lines:
| 9 |
Occupation: | Sales - Retail |
|
Now delinquent:
| 0 |
Revolving credit balance:
| $5,579 | Stated income: | $25,000-$49,999 |
|
Amount delinquent:
| $0 |
Bankcard utilization:
| 30% | | |
|
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| No | | |
|
Delinquencies in last 7y:
| 0 | | | | |
|
Screen name:
| kind-sturdy-p2ploan |
Borrower's state:
| Washington |
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.
Description
Help Tuition...100% WIll Pay BAk!!!
Purpose of loan:
This loan will be used to? pay my tuition at my university.... I go to Pacific Lutheran University which is a private school... and finacial aid wasnt enough to cover tuition...because i applied late on my fafsa...so my main purpose would be paying to go to school...
My financial situation:
I am a good candidate for this loan because? i always pay my debt... and i work, also, i never like to owe people anything and ill do whatever i can to pay my loan back..i dont have to pay for housing because i live with my parents.. and i dont have alot of expenses so it wouldnt be a problem at all to pay back my loan...I ALWAYS PAY BACK MY DEBT... AND I'm never late or missed a payment in my life trust me 100% gurantee i pay you back
Net pay: $ 1800
monthly expenses: $
??Housing: $ 0
?Insurance: $ 135
??Car expenses: $?(gas) 100
'??Utilities: $ 0
??Phone, cable, internet: $ 0
??Food, entertainment: $ 300
??Clothing, household expenses $ 100
??Credit cards and other loans: $ 300
??Other expenses: $ 100
Total expenses 1800
?????????????????????-1000??
?????????????????? -------------
??????????????????????$ 800 left over money
so i got 800 left over after i get paid to pay back the loan
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
449591
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 |
Auction Duration:
| 7 days
|
|
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:
| 17.04% - 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 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 scores:
| |
First credit line:
| Oct-1988 |
Debt/Income ratio:
| 27% |
|
Basic (1-10):
| 4 |
Inquiries last 6m:
| 1 | Employment status: | Full-time employee |
| Enhanced (1-5): | 2 |
Current / open credit lines:
| 5
/
5 | Length of status: | 2y 3m |
|
Credit score:
| 680-699 (Mar-2010) |
Total credit lines:
| 11 |
Occupation: | Other |
|
Now delinquent:
| 0 |
Revolving credit balance:
| $21,143 | Stated income: | $50,000-$74,999 |
|
Amount delinquent:
| $0 |
Bankcard utilization:
| 94% | | |
|
Public records last 12m / 10y:
| 0/ 1 |
Homeownership:
| Yes | | |
|
Delinquencies in last 7y:
| 0 | | | | |
|
Screen name:
| pure-duty |
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
credit cards
Purpose of loan:
This loan will be used to? to pay off credit card bills even though i have paid more than the min payment the companies raised intist rates and lowererd limits with no notice
My financial situation:
I am a good candidate for this loan because? i work full time in the cable tv industry suppling contractors with st top equipment , and i recieve a tax free income retirement from the state of california for a work injury that i recieve for the rest of my life. i can set up direct deposit for the loan repayment
Monthly net income: $ 3780
Monthly expenses: $
??Housing: $?1000
??Insurance: $ 367 every 6 months
??Car expenses: $ 150 for repairs?350 gas
??Utilities: $ 225
??Phone, cable, internet: $ 25.00
??Food, entertainment: $ 350
??Clothing, household expenses $ 200
??Credit cards and other loans: $ 500
??Other expenses: $ 400
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
449593
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:
| D |
Auction Duration:
| 7 days
|
|
Term:
| 36 months |
Estimated loss:
| 10.0% | | |
| | | |
|
|
Starting lender yield:
| 31.32% |
Starting borrower rate/APR:
| 32.32% / 34.73% |
Starting monthly payment:
| $655.98 |
| |
|
Auction yield range:
| 11.04% - 31.32% |
Estimated loss impact:
| 10.79% | | |
|
Lender servicing fee:
| 1.00% |
Estimated return:
| 20.53% | | |
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 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 scores:
| |
First credit line:
| Jan-1985 |
Debt/Income ratio:
| 51% |
|
Basic (1-10):
| 7 |
Inquiries last 6m:
| 0 | Employment status: | Full-time employee |
| Enhanced (1-5): | 3 |
Current / open credit lines:
| 26
/
22 | Length of status: | 3y 1m |
|
Credit score:
| 680-699 (Mar-2010) |
Total credit lines:
| 56 |
Occupation: | Food Service Manage... |
|
Now delinquent:
| 0 |
Revolving credit balance:
| $291,153 | Stated income: | $100,000+ |
|
Amount delinquent:
| $0 |
Bankcard utilization:
| 95% | | |
|
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| Yes | | |
|
Delinquencies in last 7y:
| 0 | | | | |
|
Screen name:
| generosity-prairie |
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
Consolidating Credit Card Debit
Purpose of loan:
Consolidate Credit Card Debit.
My financial situation:
I am a good candidate for this loan because, I always pay my bills on time?and have been consistantly employeed for the last 24 years with only 3 employers.? All the credit card companies have been cutting limits, raising rates, makng the miniums higher,?and changing rules which makes it imposible to get ahead.? Home equity lines are just been cut because they are not been used.?
Monthly net income: $?????7200
Monthly expenses: $
??Housing: $?????????????????????966
??Insurance: $???????????????????125
??Car expenses: $????????????? 365
??Utilities: $????????????????????????195
??Phone, cable, internet: $?? 180
??Food, entertainment: $?????550
??Clothing, household expenses $ 200
??Credit cards and other loans: $??2400
??Other expenses: $
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
449597
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 |
Auction Duration:
| 7 days
|
|
Term:
| 36 months |
Estimated loss:
| 6.5% | | |
| | | |
|
|
Starting lender yield:
| 20.05% |
Starting borrower rate/APR:
| 21.05% / 23.30% |
Starting monthly payment:
| $188.50 |
| |
|
Auction yield range:
| 8.04% - 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 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 scores:
| |
First credit line:
| Mar-2000 |
Debt/Income ratio:
| 20% |
|
Basic (1-10):
| 9 |
Inquiries last 6m:
| 0 | Employment status: | Full-time employee |
| Enhanced (1-5): | 5 |
Current / open credit lines:
| 16
/
13 | Length of status: | 1y 6m |
|
Credit score:
| 680-699 (Mar-2010) |
Total credit lines:
| 20 |
Occupation: | Retail Management |
|
Now delinquent:
| 0 |
Revolving credit balance:
| $7,414 | Stated income: | $50,000-$74,999 |
|
Amount delinquent:
| $0 |
Bankcard utilization:
| 57% | | |
|
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| No | | |
|
Delinquencies in last 7y:
| 0 | | | | |
|
Screen name:
| responsible-vigilance8 |
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 my credit cards
Purpose of loan:
This loan will be used to pay off my credit card debt and reduce my payments each month.
My financial situation:
I am a good candidate for this loan because I pay all of bills on time.? I have only one late payment that was due because I pay each credit card twice each month to pay them down faster and more organized.? I plan out my budget each paycheck knowing exactly how much I want to pay each credit card down.? I am just looking for a faster method of paying them down
Monthly net income: $3497????????
Monthly expenses: $
??Housing: $795
??Insurance: $103.50
??Car expenses: $ 522.63
??Utilities: $ 75
??Phone, cable, internet: $ 180
??Food, entertainment: $ 500
??Clothing, household expenses $?100?
??Credit cards and other loans: $ 300?
??Other expenses: $
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
449599
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:
| $2,800.00 |
Prosper Rating:
| C |
Auction Duration:
| 7 days
|
|
Term:
| 36 months |
Estimated loss:
| 6.5% | | |
| | | |
|
|
Starting lender yield:
| 20.06% |
Starting borrower rate/APR:
| 21.06% / 23.31% |
Starting monthly payment:
| $105.58 |
| |
|
Auction yield range:
| 8.04% - 20.06% |
Estimated loss impact:
| 6.97% | | |
|
Lender servicing fee:
| 1.00% |
Estimated return:
| 13.09% | | |
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 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 scores:
| |
First credit line:
| Sep-1991 |
Debt/Income ratio:
| 41% |
|
Basic (1-10):
| 9 |
Inquiries last 6m:
| 1 | Employment status: | Full-time employee |
| Enhanced (1-5): | 3 |
Current / open credit lines:
| 13
/
10 | Length of status: | 3y 6m |
|
Credit score:
| 680-699 (Feb-2010) |
Total credit lines:
| 23 |
Occupation: | Civil Service |
|
Now delinquent:
| 0 |
Revolving credit balance:
| $15,626 | Stated income: | $25,000-$49,999 |
|
Amount delinquent:
| $0 |
Bankcard utilization:
| 86% | | |
|
Public records last 12m / 10y:
| 0/ 1 |
Homeownership:
| No | | |
|
Delinquencies in last 7y:
| 0 | | | | |
|
Screen name:
| fantastic-capital157 |
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
Puchase Motorcycle
Purpose of loan:
This loan will be used?to put the motorcycle in my name?so that I do not have to spend so much on gas.
My financial situation:
I am a good candidate for this loan because I make all my payments on time and currently pay $86.60 per month for the motorcycle to my friend, he needs me to finance it myself to get it out of his name.
Monthly net income: $ 2000
Monthly expenses: $
??Housing: $ 250
??Insurance: $ 100
??Car expenses: $
??Utilities: $ 361
??Phone, cable, internet: $ 50
??Food, entertainment: $ 300
??Clothing, household expenses $ 100
??Credit cards and other loans: $ 550
??Other expenses: $
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
449609
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:
| $1,500.00 |
Prosper Rating:
| C |
Auction Duration:
| 7 days
|
|
Term:
| 36 months |
Estimated loss:
| 8.0% | | |
| | | |
|
|
Starting lender yield:
| 22.68% |
Starting borrower rate/APR:
| 23.68% / 26.23% |
Starting monthly payment:
| $58.60 |
| |
|
Auction yield range:
| 8.04% - 22.68% |
Estimated loss impact:
| 8.54% | | |
|
Lender servicing fee:
| 1.00% |
Estimated return:
| 14.14% | | |
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented 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 scores:
| |
First credit line:
| Sep-2005 |
Debt/Income ratio:
| 18% |
|
Basic (1-10):
| 8 |
Inquiries last 6m:
| 0 | Employment status: | Full-time employee |
| Enhanced (1-5): | 5 |
Current / open credit lines:
| 5
/
5 | Length of status: | 1y 0m |
|
Credit score:
| 720-739 (Mar-2010) |
Total credit lines:
| 10 |
Occupation: | Military Enlisted |
|
Now delinquent:
| 0 |
Revolving credit balance:
| $549 | Stated income: | $1-$24,999 |
|
Amount delinquent:
| $0 |
Bankcard utilization:
| 0% | | |
|
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| No | | |
|
Delinquencies in last 7y:
| 0 | | | | |
|
Screen name:
| reverent-trade |
Borrower's state:
| Alabama |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Description
Relocating to a new state.
Purpose of loan:
This loan will be used to?establish residence in New York to begin my next phase of US Navy training.
My financial situation: I will receive backpay for moving expenses, but need cash now to move my things.
I am a good candidate for this loan because?I have a steady job in the military and will be paying off the loan when i receive my enlistment bonus.
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
449621
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 |
Auction Duration:
| 7 days
|
|
Term:
| 36 months |
Estimated loss:
| 18.0% | | |
| | | |
|
|
Starting lender yield:
| 24.00% |
Starting borrower rate/APR:
| 25.00% / 27.31% |
Starting monthly payment:
| $397.60 |
| |
|
Auction yield range:
| 17.04% - 24.00% |
Estimated loss impact:
| 19.38% | | |
|
Lender servicing fee:
| 1.00% |
Estimated return:
| 4.62% | | |
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 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 scores:
| |
First credit line:
| Dec-1988 |
Debt/Income ratio:
| Not calculated |
|
Basic (1-10):
| 5 |
Inquiries last 6m:
| 1 | Employment status: | Full-time employee |
| Enhanced (1-5): | 2 |
Current / open credit lines:
| 18
/
17 | Length of status: | 9y 1m |
|
Credit score:
| 660-679 (Mar-2010) |
Total credit lines:
| 38 |
Occupation: | Nurse (RN) |
|
Now delinquent:
| 0 |
Revolving credit balance:
| $76,792 | Stated income: | $75,000-$99,999 |
|
Amount delinquent:
| $0 |
Bankcard utilization:
| 85% | | |
|
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| Yes | | |
|
Delinquencies in last 7y:
| 0 | | | | |
|
Screen name:
| treasure-sensai |
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 off credit debt
Purpose of loan:
This loan will be used to?
consolidate credit card debt at a lower rate of interest. This debt was accumulated after going through a divorce and I had expenses from attorneys fees and had purchased a home that needed to be furnished for my two young sons.??
My financial situation:
I am a good candidate for this loan because?
I have a secure job and make good money. I am interested in paying off this debt in the next three years but ever rising interest rates from the credit card companies are making this goal difficult to achieve.
Monthly net income: $ 4400
Monthly expenses: $
??Housing: $
??Insurance: $ 584
??Car expenses: $ 600
??Utilities: $ 300
??Phone, cable, internet: $ 210
??Food, entertainment: $ 600
??Clothing, household expenses $?1000
??Credit cards and other loans: $ 1100
??Other expenses: $
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
449629
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:
| $1,200.00 |
Prosper Rating:
| C |
Auction Duration:
| 7 days
|
|
Term:
| 36 months |
Estimated loss:
| 8.0% | | |
| | | |
|
|
Starting lender yield:
| 22.68% |
Starting borrower rate/APR:
| 23.68% / 26.88% |
Starting monthly payment:
| $46.88 |
| |
|
Auction yield range:
| 8.04% - 22.68% |
Estimated loss impact:
| 8.54% | | |
|
Lender servicing fee:
| 1.00% |
Estimated return:
| 14.14% | | |
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented 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 scores:
| |
First credit line:
| Mar-1993 |
Debt/Income ratio:
| Self-employed (DTI Not Calculated) |
|
Basic (1-10):
| 8 |
Inquiries last 6m:
| 2 | Employment status: | Self-employed |
| Enhanced (1-5): | 4 |
Current / open credit lines:
| 10
/
10 | Length of status: | 7y 6m |
|
Credit score:
| 700-719 (Mar-2010) |
Total credit lines:
| 23 |
Occupation: | Other |
|
Now delinquent:
| 0 |
Revolving credit balance:
| $11,982 | Stated income: | $1-$24,999 |
|
Amount delinquent:
| $0 |
Bankcard utilization:
| 67% | | |
|
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| No | | |
|
Delinquencies in last 7y:
| 5 | | | | |
|
Screen name:
| safe-integrity9 |
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
Tires for car
Purpose of loan:
This loan will be used to? Purchase new tires for my car, and repair 2 rims that leak. I need to have 2 rims re-cromed to prevent them from leaking air all the time it will cost about $400 plus new tires. I will not be able to work much longer with my tires the way they are down to the cords.??
My financial situation:
I am a good candidate for this loan because? Over the past 7 years I have settled my old debts and am paying all my bills on time, Even though it may say?C rating I?have not defaulted on any debts, the only one was a dept store cc that I paid 1 day late and did not know about the late fees and missed the payments because of this. My credit score is in the 700 range and improving.
I have one Job and will be looking for a second after I get new tires.
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
449639
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:
| D |
Auction Duration:
| 7 days
|
|
Term:
| 36 months |
Estimated loss:
| 10.0% | | |
| | | |
|
|
Starting lender yield:
| 26.38% |
Starting borrower rate/APR:
| 27.38% / 29.72% |
Starting monthly payment:
| $102.57 |
| |
|
Auction yield range:
| 11.04% - 26.38% |
Estimated loss impact:
| 10.66% | | |
|
Lender servicing fee:
| 1.00% |
Estimated return:
| 15.72% | | |
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 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 scores:
| |
First credit line:
| Dec-1991 |
Debt/Income ratio:
| 34% |
|
Basic (1-10):
| 7 |
Inquiries last 6m:
| 5 | Employment status: | Full-time employee |
| Enhanced (1-5): | 1 |
Current / open credit lines:
| 19
/
17 | Length of status: | 6y 4m |
|
Credit score:
| 700-719 (Mar-2010) |
Total credit lines:
| 46 |
Occupation: | Attorney |
|
Now delinquent:
| 0 |
Revolving credit balance:
| $265,446 | Stated income: | $100,000+ |
|
Amount delinquent:
| $0 |
Bankcard utilization:
| 99% | | |
|
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| Yes | | |
|
Delinquencies in last 7y:
| 0 | | | | |
|
Screen name:
| deal-sensai172 |
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
Paying off debt
Purpose of loan:
This loan will be used to pay off high interest debt.
My financial situation:
I am a good candidate for this loan because I am a responsible borrower and have never defaulted on a credit obligation.
Monthly net income: $9,857
Monthly expenses: $8,362
??Housing: $3,161
??Insurance: $292
??Car expenses: $900
??Utilities: $400
??Phone, cable, internet: $300
??Food, entertainment: $400
??Clothing, household expenses $50
??Credit cards and other loans: $2,700
??Other expenses: $159
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
449645
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 |
Auction Duration:
| 7 days
|
|
Term:
| 36 months |
Estimated loss:
| 18.0% | | |
| | | |
|
|
Starting lender yield:
| 34.00% |
Starting borrower rate/APR:
| 35.00% / 37.45% |
Starting monthly payment:
| $361.89 |
| |
|
Auction yield range:
| 17.04% - 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 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 scores:
| |
First credit line:
| Jun-1989 |
Debt/Income ratio:
| Not calculated |
|
Basic (1-10):
| 5 |
Inquiries last 6m:
| 1 | Employment status: | Full-time employee |
| Enhanced (1-5): | 5 |
Current / open credit lines:
| 5
/
3 | Length of status: | 0y 5m |
|
Credit score:
| 700-719 (Feb-2010) |
Total credit lines:
| 10 |
Occupation: | Other |
|
Now delinquent:
| 0 |
Revolving credit balance:
| $5,832 | Stated income: | $100,000+ |
|
Amount delinquent:
| $0 |
Bankcard utilization:
| 56% | | |
|
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| No | | |
|
Delinquencies in last 7y:
| 0 | | | | |
|
Screen name:
| kind-proper-repayment |
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
Credit Consolidaton
I would like to consolidate my credit and make one payment rather than multiple. I am very strong candidate because I have solid credit, a track history of timely payments, low overhead, finical discipline, mature spending habits, and a focus on making the payments of this loan a monthly priority. I have Tax returns that show a average combined income of $120,000.00 + for 2008, and 2009. My targeted income that I have in my new position has me earning $150,000 in 2010. I plan on not just to be borrower on Prosper but an investor as well in the next 6 months. Additionally what is weighting my credit score down from the high 700's and low 800's is the amount open credit lines vs. active credit. I'm in the process of correcting these errors. But as we know this takes some time.
Monthly Net Income- $8,500.00 Salary and Commission's
Monthly Expenses-$1,850.00
Insurance Expenses$150.00
Phone / Cable-$100.00
Utilities-$80.00
Monthly Household Expenses-$500.00
Other Loans-$200.00
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
449647
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 |
Auction Duration:
| 7 days
|
|
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:
| 17.04% - 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 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 scores:
| |
First credit line:
| Jun-1996 |
Debt/Income ratio:
| 75% |
|
Basic (1-10):
| 3 |
Inquiries last 6m:
| 1 | Employment status: | Retired |
| Enhanced (1-5): | 2 |
Current / open credit lines:
| 7
/
7 | Length of status: | 8y 0m |
|
Credit score:
| 660-679 (Mar-2010) |
Total credit lines:
| 26 | Stated income: | $25,000-$49,999 |
|
Now delinquent:
| 2 |
Revolving credit balance:
| $25,111 | |
|
Amount delinquent:
| $285 |
Bankcard utilization:
| 87% | | |
|
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| Yes | | |
|
Delinquencies in last 7y:
| 0 | | | | |
|
Screen name:
| money-mover689 |
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
Inventory and Trade Show Fees
Purpose of loan:
This loan will be used to purchase inventory for our Wickless Candle business and also to pay the fees for the trade shows that we want to get in to. We have experience with Trade Shows and desire to expand into other areas to grow the business. Our shows range between $2000 and $3500 in profit.
My financial situation: We are both retired and collect retirement incomes. My wife also collects SSDI.
I am a good candidate for this loan because we have the desire and the need to build a successful business. Even in this down economy we are able to make the sales for this business. We also have our steady retirement incomes monthly.
Monthly net income: $8500 between my wife and myself
Monthly expenses: $6391
??Housing: $1991
??Insurance: $200
??Car expenses: $1300
??Utilities: $400
??Phone, cable, internet: $300
??Food, entertainment: $200
??Clothing, household expenses $300
??Credit cards and other loans: $700
??Other expenses: $1000
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
449651
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 |
Auction Duration:
| 7 days
|
|
Term:
| 36 months |
Estimated loss:
| 34.5% | | |
| | | |
|
|
Starting lender yield:
| 34.00% |
Starting borrower rate/APR:
| 35.00% / 37.45% |
Starting monthly payment:
| $452.36 |
| |
|
Auction yield range:
| 17.04% - 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 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 scores:
| |
First credit line:
| Jan-1986 |
Debt/Income ratio:
| Self-employed (DTI Not Calculated) |
|
Basic (1-10):
| 1 |
Inquiries last 6m:
| 6 | Employment status: | Self-employed |
| Enhanced (1-5): | 1 |
Current / open credit lines:
| 10
/
10 | Length of status: | 2y 10m |
|
Credit score:
| 680-699 (Mar-2010) |
Total credit lines:
| 38 |
Occupation: | Professional |
|
Now delinquent:
| 7 |
Revolving credit balance:
| $23,852 | Stated income: | $25,000-$49,999 |
|
Amount delinquent:
| $2,967 |
Bankcard utilization:
| 30% | | |
|
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| No | | |
|
Delinquencies in last 7y:
| 7 | | | | |
|
Screen name:
| kind-money-whamo |
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
Working Capital
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
449653
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:
| B |
Auction Duration:
| 7 days
|
|
Term:
| 36 months |
Estimated loss:
| 5.0% | | |
| | | |
|
|
Starting lender yield:
| 13.03% |
Starting borrower rate/APR:
| 14.03% / 16.19% |
Starting monthly payment:
| $102.58 |
| |
|
Auction yield range:
| 6.04% - 13.03% |
Estimated loss impact:
| 5.22% | | |
|
Lender servicing fee:
| 1.00% |
Estimated return:
| 7.81% | | |
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 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 scores:
| |
First credit line:
| Nov-1999 |
Debt/Income ratio:
| 13% |
|
Basic (1-10):
| 8 |
Inquiries last 6m:
| 2 | Employment status: | Full-time employee |
| Enhanced (1-5): | 4 |
Current / open credit lines:
| 3
/
3 | Length of status: | 1y 5m |
|
Credit score:
| 740-759 (Mar-2010) |
Total credit lines:
| 6 |
Occupation: | Professional |
|
Now delinquent:
| 0 |
Revolving credit balance:
| $0 | Stated income: | $50,000-$74,999 |
|
Amount delinquent:
| $0 |
Bankcard utilization:
| 0% | | |
|
Public records last 12m / 10y:
| 0/ 1 |
Homeownership:
| No | | |
|
Delinquencies in last 7y:
| 0 | | | | |
|
Screen name:
| steady-moola0 |
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
Wedding and Home Improvement
Purpose:
Fund remainder of wedding/honeymoon and some home-improvement expenses for my fiancee's house. My fiancee and I?have a very specific budget laid out.
Strong Candidate:
My steadfastness, focus, and resolve make me an excellent candidate for this loan. I have a set agenda that I seek to meet through this loan and am highly desirous of--and will follow through on--the loan amortization schedule set forth. I will be a reliable source of strong ROI for you.
Realistic Expectations:
I have realistic expectations with respect to loan amount and interest rate. I've identified $3,000 amount after careful consideration of expenses and budgets. I have already contributed $17,000 of my own funds to wedding/honeymoon and home improvements, so this requested loan of $3,000 is intended to meet our ceiling of $20,000. I don't seek any amount greater than $3,000.
Dedication to Success:
I am committed to making this work and humbly ask for your good faith in working with me to make this a reality. I will be a great borrow and a strong source of income at a great rate for you, the lender. Thank you very much for reading and considering me candidacy. I hope we can work together for success!
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
449669
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:
| A |
Auction Duration:
| 7 days
|
|
Term:
| 36 months |
Estimated loss:
| 2.1% | | |
| | | |
|
|
Starting lender yield:
| 8.38% |
Starting borrower rate/APR:
| 9.38% / 11.48% |
Starting monthly payment:
| $95.93 |
| |
|
Auction yield range:
| 4.04% - 8.38% |
Estimated loss impact:
| 2.12% | | |
|
Lender servicing fee:
| 1.00% |
Estimated return:
| 6.26% | | |
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 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 scores:
| |
First credit line:
| Feb-1985 |
Debt/Income ratio:
| 84% |
|
Basic (1-10):
| 9 |
Inquiries last 6m:
| 1 | Employment status: | Full-time employee |
| Enhanced (1-5): | 3 |
Current / open credit lines:
| 21
/
16 | Length of status: | 16y 5m |
|
Credit score:
| 720-739 (Mar-2010) |
Total credit lines:
| 52 |
Occupation: | Flight Attendant |
|
Now delinquent:
| 0 |
Revolving credit balance:
| $25,923 | Stated income: | $25,000-$49,999 |
|
Amount delinquent:
| $0 |
Bankcard utilization:
| 93% | | |
|
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| Yes | | |
|
Delinquencies in last 7y:
| 0 | | | | |
|
Screen name:
| runway3 |
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
Pay off Credit Card
Purpose of loan:
This loan will be used to pay off a high?interest credit card.?????????
My financial situation:
I am a good candidate for this loan because? I am a? very responsible person and always pay my bills on time. I have worked for the same company for over 16 years?and will also?be getting a pay increase within the next few months.
Monthly net income: $ 3000.00
Monthly expenses: $
??Housing: $
??Insurance: $
??Car expenses: $ 350
??Utilities: $ 100.00
??Phone, cable, internet: $ 125.00
??Food, entertainment: $ 150.00
??Clothing, household expenses $ 125.00
??Credit cards and other loans: $ 750.00
??Other expenses: $ 250.00
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
449677
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 |
Auction Duration:
| 7 days
|
|
Term:
| 36 months |
Estimated loss:
| 18.0% | | |
| | | |
|
|
Starting lender yield:
| 17.04% |
Starting borrower rate/APR:
| 18.04% / 20.25% |
Starting monthly payment:
| $614.93 |
| |
|
Auction yield range:
| 17.04% - 17.04% |
Estimated loss impact:
| 18.94% | | |
|
Lender servicing fee:
| 1.00% |
Estimated return:
| -1.90% | | |
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 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 scores:
| |
First credit line:
| Oct-1995 |
Debt/Income ratio:
| 49% |
|
Basic (1-10):
| 5 |
Inquiries last 6m:
| 1 | Employment status: | Full-time employee |
| Enhanced (1-5): | 2 |
Current / open credit lines:
| 19
/
16 | Length of status: | 9y 8m |
|
Credit score:
| 640-659 (Mar-2010) |
Total credit lines:
| 39 |
Occupation: | Construction |
|
Now delinquent:
| 0 |
Revolving credit balance:
| $36,706 | Stated income: | $50,000-$74,999 |
|
Amount delinquent:
| $0 |
Bankcard utilization:
| 91% | | |
|
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| No | | |
|
Delinquencies in last 7y:
| 0 | | | | |
|
Screen name:
| top-tremendous-diversification |
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
paying off my credit card
Purpose of loan:
This loan will be used to?
paying off credit cards
My financial situation: good
I am a good candidate for this loan because?
i allways make my payments
Monthly net income: $ 5,280.00
Monthly expenses: $500.00
??Housing: $300.00
??Insurance: $160.00
??Car expenses: $462.00
??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
449683
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:
| $2,860.00 |
Prosper Rating:
| C |
Auction Duration:
| 7 days
|
|
Term:
| 36 months |
Estimated loss:
| 6.5% | | |
| | | |
|
|
Starting lender yield:
| 20.06% |
Starting borrower rate/APR:
| 21.06% / 23.31% |
Starting monthly payment:
| $107.84 |
| |
|
Auction yield range:
| 8.04% - 20.06% |
Estimated loss impact:
| 6.97% | | |
|
Lender servicing fee:
| 1.00% |
Estimated return:
| 13.09% | | |
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 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 scores:
| |
First credit line:
| Jul-1996 |
Debt/Income ratio:
| 29% |
|
Basic (1-10):
| 9 |
Inquiries last 6m:
| 1 | Employment status: | Full-time employee |
| Enhanced (1-5): | 3 |
Current / open credit lines:
| 10
/
8 | Length of status: | 4y 7m |
|
Credit score:
| 660-679 (Mar-2010) |
Total credit lines:
| 13 |
Occupation: | Teacher |
|
Now delinquent:
| 0 |
Revolving credit balance:
| $24,301 | Stated income: | $25,000-$49,999 |
|
Amount delinquent:
| $0 |
Bankcard utilization:
| 87% | | |
|
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| Yes | | |
|
Delinquencies in last 7y:
| 0 | | | | |
|
Screen name:
| unique-euro |
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
Pay off my car
Purpose of loan:
This loan will be used to pay off my car so I can start paying off my credit cards
My financial situation:
I am a good candidate for this loan because I have never been late on any bills of any kind. I am a teacher and have good job security.
Monthly net income: $ 3,300
Monthly expenses: $
??Housing: $ 500
??Insurance: $ 50
??Car expenses: $ 100
??Utilities: $ 150
??Phone, cable, internet: $ 120
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
449693
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:
| AA |
Auction Duration:
| 7 days
|
|
Term:
| 36 months |
Estimated loss:
| 0.6% | | |
| | | |
|
|
Starting lender yield:
| 6.13% |
Starting borrower rate/APR:
| 7.13% / 7.47% |
Starting monthly payment:
| $185.62 |
| |
|
Auction yield range:
| 3.04% - 6.13% |
Estimated loss impact:
| 0.60% | | |
|
Lender servicing fee:
| 1.00% |
Estimated return:
| 5.53% | | |
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 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 scores:
| |
First credit line:
| Nov-1991 |
Debt/Income ratio:
| 12% |
|
Basic (1-10):
| 10 |
Inquiries last 6m:
| 0 | Employment status: | Full-time employee |
| Enhanced (1-5): | 5 |
Current / open credit lines:
| 12
/
10 | Length of status: | 25y 6m |
|
Credit score:
| 800-819 (Mar-2010) |
Total credit lines:
| 54 |
Occupation: | Professional |
|
Now delinquent:
| 0 |
Revolving credit balance:
| $11,768 | Stated income: | $75,000-$99,999 |
|
Amount delinquent:
| $0 |
Bankcard utilization:
| 15% | | |
|
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| Yes | | |
|
Delinquencies in last 7y:
| 0 | | | | |
|
Screen name:
| uschamp |
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
Bathroom redo
Purpose of loan:
This loan will be used to?replace the shower and update the tile in our condo here in south Florida. Thought about moving, but given the current market thought that updating the bathroom was a better idea.
My financial situation:
I am a good candidate for this loan because?
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
449695
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:
| $3,150.00 |
Prosper Rating:
| D |
Auction Duration:
| 7 days
|
|
Term:
| 36 months |
Estimated loss:
| 10.0% | | |
| | | |
|
|
Starting lender yield:
| 32.51% |
Starting borrower rate/APR:
| 33.51% / 35.94% |
Starting monthly payment:
| $139.85 |
| |
|
Auction yield range:
| 11.04% - 32.51% |
Estimated loss impact:
| 10.83% | | |
|
Lender servicing fee:
| 1.00% |
Estimated return:
| 21.68% | | |
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 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 scores:
| |
First credit line:
| Dec-1998 |
Debt/Income ratio:
| 12% |
|
Basic (1-10):
| 7 |
Inquiries last 6m:
| 3 | Employment status: | Full-time employee |
| Enhanced (1-5): | 4 |
Current / open credit lines:
| 7
/
6 | Length of status: | 5y 7m |
|
Credit score:
| 660-679 (Mar-2010) |
Total credit lines:
| 13 |
Occupation: | Other |
|
Now delinquent:
| 0 |
Revolving credit balance:
| $129 | Stated income: | $50,000-$74,999 |
|
Amount delinquent:
| $0 |
Bankcard utilization:
| 1% | | |
|
Public records last 12m / 10y:
| 0/ 2 |
Homeownership:
| No | | |
|
Delinquencies in last 7y:
| 4 | | | | |
|
Screen name:
| DaBears06 |
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.
Description
Pay off my Taxes
Purpose of loan:
This loan will be used to? pay off my taxes to the IRS so I won't have to pay all the penalty fees as well as the high interest rate.
My financial situation:
I am a good candidate for this loan because? I have worked very hard to get my credit back in good standing after some financial?difficulties and?I always make sure all my debts ar paid in full.
Monthly net income: $ 3652
Monthly expenses: $ 3373
??Housing: $ 780
??Insurance: $?137
? Car expenses: $ 391????????
? Utilities: $?90
??Phone, cable, internet: $ 325
??Food, entertainment: $ 800
??Clothing, household expenses $ 150
??Credit cards and other loans: $ 100?
??Other expenses: $ 600
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
449711
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:
| $1,999.00 |
Prosper Rating:
| A |
Auction Duration:
| 7 days
|
|
Term:
| 36 months |
Estimated loss:
| 2.1% | | |
| | | |
|
|
Starting lender yield:
| 9.32% |
Starting borrower rate/APR:
| 10.32% / 12.43% |
Starting monthly payment:
| $64.80 |
| |
|
Auction yield range:
| 4.04% - 9.32% |
Estimated loss impact:
| 2.13% | | |
|
Lender servicing fee:
| 1.00% |
Estimated return:
| 7.19% | | |
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 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 scores:
| |
First credit line:
| Aug-1995 |
Debt/Income ratio:
| 39% |
|
Basic (1-10):
| 9 |
Inquiries last 6m:
| 1 | Employment status: | Full-time employee |
| Enhanced (1-5): | 2 |
Current / open credit lines:
| 7
/
7 | Length of status: | 2y 6m |
|
Credit score:
| 700-719 (Feb-2010) |
Total credit lines:
| 23 |
Occupation: | Professional |
|
Now delinquent:
| 0 |
Revolving credit balance:
| $158,180 | Stated income: | $50,000-$74,999 |
|
Amount delinquent:
| $0 |
Bankcard utilization:
| 96% | | |
|
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| Yes | | |
|
Delinquencies in last 7y:
| 0 | | | | |
|
Screen name:
| awe-inspiring-marketplace |
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
Paying of a credit card.
Purpose of loan:
This loan will be used to? Pay off a credit card.
My financial situation:
I am a good candidate for this loan because?
I have a good payment record.
.
Monthly net income: $ 8000
Monthly expenses: $
??Housing: $?1444
??Insurance: $?976
??Car expenses: $ 100
??Utilities: $ 200
??Phone, cable, internet: $?225
??Food, entertainment: $?250
??Clothing, household expenses $?150
??Credit cards and other loans: $ 1300
??Other expenses: $
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
449717
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:
| C |
Auction Duration:
| 7 days
|
|
Term:
| 36 months |
Estimated loss:
| 6.5% | | |
| | | |
|
|
Starting lender yield:
| 21.50% |
Starting borrower rate/APR:
| 22.50% / 24.77% |
Starting monthly payment:
| $96.12 |
| |
|
Auction yield range:
| 8.04% - 21.50% |
Estimated loss impact:
| 7.01% | | |
|
Lender servicing fee:
| 1.00% |
Estimated return:
| 14.49% | | |
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 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 scores:
| |
First credit line:
| Oct-1984 |
Debt/Income ratio:
| 34% |
|
Basic (1-10):
| 9 |
Inquiries last 6m:
| 0 | Employment status: | Full-time employee |
| Enhanced (1-5): | 3 |
Current / open credit lines:
| 16
/
15 | Length of status: | 1y 1m |
|
Credit score:
| 660-679 (Feb-2010) |
Total credit lines:
| 31 |
Occupation: | Professional |
|
Now delinquent:
| 0 |
Revolving credit balance:
| $242,108 | Stated income: | $100,000+ |
|
Amount delinquent:
| $0 |
Bankcard utilization:
| 99% | | |
|
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| Yes | | |
|
Delinquencies in last 7y:
| 0 | | | | |
|
Screen name:
| plentiful-leverage2 |
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
Jumpstart me to get out of debt
Purpose of loan: My goal is to completely out of debt in 3 years. Since losing my job last year I have started a great job as well as created my own small business with several clients already. This loan will help me consolidate bills to pay them off more quickly.
My financial situation: I am a good candidate for this loan because I always pay off my debts, and this loan allows me to consolidate and create one payment to become debt free even faster.
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
449719
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 |
Auction Duration:
| 7 days
|
|
Term:
| 36 months |
Estimated loss:
| 25.0% | | |
| | | |
|
|
Starting lender yield:
| 17.50% |
Starting borrower rate/APR:
| 18.50% / 20.72% |
Starting monthly payment:
| $364.04 |
| |
|
Auction yield range:
| 17.04% - 17.50% |
Estimated loss impact:
| 25.97% | | |
|
Lender servicing fee:
| 1.00% |
Estimated return:
| -8.47% | | |
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 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 scores:
| |
First credit line:
| Feb-1997 |
Debt/Income ratio:
| 34% |
|
Basic (1-10):
| 3 |
Inquiries last 6m:
| 3 | Employment status: | Full-time employee |
| Enhanced (1-5): | 2 |
Current / open credit lines:
| 44
/
41 | Length of status: | 5y 11m |
|
Credit score:
| 680-699 (Mar-2010) |
Total credit lines:
| 81 |
Occupation: | Computer Programmer |
|
Now delinquent:
| 0 |
Revolving credit balance:
| $104,088 | Stated income: | $75,000-$99,999 |
|
Amount delinquent:
| $0 |
Bankcard utilization:
| 84% | | |
|
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| Yes | | |
|
Delinquencies in last 7y:
| 0 | | | | |
|
Screen name:
| income-amusement |
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 My Credit Cards
Purpose of loan:
This loan will be used to?
My financial situation:
I am a good candidate for this loan because?
Monthly net income: $
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
449731
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:
| AA |
Auction Duration:
| 7 days
|
|
Term:
| 36 months |
Estimated loss:
| 1.5% | | |
| | | |
|
|
Starting lender yield:
| 8.48% |
Starting borrower rate/APR:
| 9.48% / 9.82% |
Starting monthly payment:
| $256.19 |
| |
|
Auction yield range:
| 3.04% - 8.48% |
Estimated loss impact:
| 1.50% | | |
|
Lender servicing fee:
| 1.00% |
Estimated return:
| 6.98% | | |
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 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 scores:
| |
First credit line:
| Nov-1995 |
Debt/Income ratio:
| Self-employed (DTI Not Calculated) |
|
Basic (1-10):
| 6 |
Inquiries last 6m:
| 0 | Employment status: | Self-employed |
| Enhanced (1-5): | 5 |
Current / open credit lines:
| 8
/
2 | Length of status: | 10y 0m |
|
Credit score:
| 820-839 (Mar-2010) |
Total credit lines:
| 34 |
Occupation: | Social Worker |
|
Now delinquent:
| 0 |
Revolving credit balance:
| $975 | Stated income: | $50,000-$74,999 |
|
Amount delinquent:
| $0 |
Bankcard utilization:
| 4% | | |
|
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| Yes | | |
|
Delinquencies in last 7y:
| 0 | | | | |
|
Screen name:
| harmonious-wealth |
Borrower's state:
| Arkansas |
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
boat purchase
The purpose of the loan is to make a boat purchase. The amount of the loan I am asking to borrow is $8000. I have $12000 in a rainy day fund sitting in a savings account, but I would like to preserve it for a "rainy day". I have excellent credit, have owned my own home for 11 years and have never had any trouble paying my monthly mortgage. Our autos are paid for, and the only monthly payment is my mortgage. I have no credit card debt or any other debt.
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
449735
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:
| D |
Auction Duration:
| 7 days
|
|
Term:
| 36 months |
Estimated loss:
| 10.0% | | |
| | | |
|
|
Starting lender yield:
| 24.55% |
Starting borrower rate/APR:
| 25.55% / 27.86% |
Starting monthly payment:
| $300.38 |
| |
|
Auction yield range:
| 11.04% - 24.55% |
Estimated loss impact:
| 10.61% | | |
|
Lender servicing fee:
| 1.00% |
Estimated return:
| 13.94% | | |
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 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 scores:
| |
First credit line:
| Sep-2000 |
Debt/Income ratio:
| 34% |
|
Basic (1-10):
| 8 |
Inquiries last 6m:
| 0 | Employment status: | Full-time employee |
| Enhanced (1-5): | 5 |
Current / open credit lines:
| 16
/
15 | Length of status: | 4y 7m |
|
Credit score:
| 660-679 (Mar-2010) |
Total credit lines:
| 27 |
Occupation: | Computer Programmer |
|
Now delinquent:
| 0 |
Revolving credit balance:
| $15,808 | Stated income: | $50,000-$74,999 |
|
Amount delinquent:
| $0 |
Bankcard utilization:
| 77% | | |
|
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| Yes | | |
|
Delinquencies in last 7y:
| 0 | | | | |
|
Screen name:
| top-hope-vibraphone |
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
Consolidating my creditcard payment
Purpose of loan:
This loan will be used to consolidate several high interest rate credit card debts into one more reasonable monthly payment.
My financial situation:
I am a good candidate for this loan because I am employed in a stable, well paying technical position as the webmaster for a major research university. My wife is also employed, practicing law for one of the largest law firms in our region. In the net income figures below, I am providing only my income for consideration, not hers.
Monthly net income: $ 3306
Monthly expenses: $
??Housing: $
1114
??Insurance: $
35
??Car expenses: $
20
??Utilities: $
200
??Phone, cable, internet: $
45
??Food, entertainment: $ 50
Credit cards and other loans: $ 230
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
449741
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:
| $4,700.00 |
Prosper Rating:
| HR |
Auction Duration:
| 7 days
|
|
Term:
| 36 months |
Estimated loss:
| 18.0% | | |
| | | |
|
|
Starting lender yield:
| 19.00% |
Starting borrower rate/APR:
| 20.00% / 22.24% |
Starting monthly payment:
| $174.67 |
| |
|
Auction yield range:
| 17.04% - 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 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 scores:
| |
First credit line:
| Feb-2001 |
Debt/Income ratio:
| 53% |
|
Basic (1-10):
| 5 |
Inquiries last 6m:
| 0 | Employment status: | Full-time employee |
| Enhanced (1-5): | 4 |
Current / open credit lines:
| 13
/
13 | Length of status: | 2y 1m |
|
Credit score:
| 640-659 (Mar-2010) |
Total credit lines:
| 30 |
Occupation: | Administrative Assi... |
|
Now delinquent:
| 0 |
Revolving credit balance:
| $4,676 | Stated income: | $25,000-$49,999 |
|
Amount delinquent:
| $0 |
Bankcard utilization:
| 99% | | |
|
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| No | | |
|
Delinquencies in last 7y:
| 0 | | | | |
|
Screen name:
| orange-cognizant-finance |
Borrower's state:
| Kansas |
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 card debt
Purpose of loan:
This loan will be used to? pay off credit card debt and close credit card accounts
My financial situation:
I am a good candidate for this loan because?I am a full-time working professional and I just need to get rid of multiple credit card debts so I can get back on my track with finances and daily living. This loan will help me do exactly that and I can guarantee on time payments!!
Monthly net income: $ 2200.00
Monthly expenses: $
??Housing: $ 0
??Insurance: $ 0
??Car expenses: $ 360.00
??Utilities: $ 30
??Phone, cable, internet: $ 100.00
??Food, entertainment: $ 250.00
??Clothing, household expenses $ 100.00
??Credit cards and other loans: $ 150.00
??Other expenses: $
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
449747
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:
| $2,770.00 |
Prosper Rating:
| D |
Auction Duration:
| 7 days
|
|
Term:
| 36 months |
Estimated loss:
| 10.0% | | |
| | | |
|
|
Starting lender yield:
| 26.38% |
Starting borrower rate/APR:
| 27.38% / 29.72% |
Starting monthly payment:
| $113.65 |
| |
|
Auction yield range:
| 11.04% - 26.38% |
Estimated loss impact:
| 10.66% | | |
|
Lender servicing fee:
| 1.00% |
Estimated return:
| 15.72% | | |
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 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 scores:
| |
First credit line:
| Aug-1999 |
Debt/Income ratio:
| 46% |
|
Basic (1-10):
| 7 |
Inquiries last 6m:
| 3 | Employment status: | Full-time employee |
| Enhanced (1-5): | 2 |
Current / open credit lines:
| 12
/
9 | Length of status: | 2y 10m |
|
Credit score:
| 640-659 (Mar-2010) |
Total credit lines:
| 31 |
Occupation: | Professional |
|
Now delinquent:
| 0 |
Revolving credit balance:
| $39,315 | Stated income: | $50,000-$74,999 |
|
Amount delinquent:
| $0 |
Bankcard utilization:
| 68% | | |
|
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| Yes | | |
|
Delinquencies in last 7y:
| 0 | | | | |
|
Screen name:
| handy-dedication |
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
Credit Card Pay-Off
Purpose of loan:
I am looking for a personal loan for a wedding/honeymoon. My fiance and I will be getting married and May 2010 and the funds will help me pay expenses towards our wedding and honeymoon in the Bahamas.
My financial situation:
I have a very stable, good-paying Information Technology job in Network Services and Security (I have been in the technology field for 10+ years.) While I do have credit card debt, I will be able to pay off this loan in a responsible manner.
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
449753
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 |
Auction Duration:
| 7 days
|
|
Term:
| 36 months |
Estimated loss:
| 25.0% | | |
| | | |
|
|
Starting lender yield:
| 34.00% |
Starting borrower rate/APR:
| 35.00% / 37.45% |
Starting monthly payment:
| $542.83 |
| |
|
Auction yield range:
| 17.04% - 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 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 scores:
| |
First credit line:
| May-1993 |
Debt/Income ratio:
| 27% |
|
Basic (1-10):
| 2 |
Inquiries last 6m:
| 3 | Employment status: | Full-time employee |
| Enhanced (1-5): | 2 |
Current / open credit lines:
| 4
/
3 | Length of status: | 11y 1m |
|
Credit score:
| 640-659 (Mar-2010) |
Total credit lines:
| 35 |
Occupation: | Other |
|
Now delinquent:
| 0 |
Revolving credit balance:
| $2,691 | Stated income: | $75,000-$99,999 |
|
Amount delinquent:
| $0 |
Bankcard utilization:
| 94% | | |
|
Public records last 12m / 10y:
| 0/ 1 |
Homeownership:
| No | | |
|
Delinquencies in last 7y:
| 12 | | | | |
|
Screen name:
| bonus-human |
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 consolidate all my loans which I are all presently?current.
My financial situation:
I am a good candidate for this loan because I am current on all my loan payments.? I have sufficient and stable income and will not have any problem paying off my new loan.
Monthly net income: $ 3791.11
Monthly expenses: $
??Housing: $ 1145.00
??Insurance: $?0.00
??Car expenses: $ 200.00
??Utilities: $?75.00
??Phone, cable, internet: $ 150.00
??Food, entertainment: $?150.00
??Clothing, household expenses $ 100.00
??Credit cards and other loans: $ 600.00
??Other expenses: $ 0.00
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
449755
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:
| $10,400.00 |
Prosper Rating:
| D |
Auction Duration:
| 7 days
|
|
Term:
| 36 months |
Estimated loss:
| 10.0% | | |
| | | |
|
|
Starting lender yield:
| 31.32% |
Starting borrower rate/APR:
| 32.32% / 34.73% |
Starting monthly payment:
| $454.82 |
| |
|
Auction yield range:
| 11.04% - 31.32% |
Estimated loss impact:
| 10.79% | | |
|
Lender servicing fee:
| 1.00% |
Estimated return:
| 20.53% | | |
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 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 scores:
| |
First credit line:
| Jan-1997 |
Debt/Income ratio:
| 30% |
|
Basic (1-10):
| 8 |
Inquiries last 6m:
| 1 | Employment status: | Full-time employee |
| Enhanced (1-5): | 3 |
Current / open credit lines:
| 13
/
13 | Length of status: | 7y 9m |
|
Credit score:
| 680-699 (Mar-2010) |
Total credit lines:
| 35 |
Occupation: | Investor |
|
Now delinquent:
| 0 |
Revolving credit balance:
| $42,484 | Stated income: | $100,000+ |
|
Amount delinquent:
| $0 |
Bankcard utilization:
| 69% | | |
|
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| Yes | | |
|
Delinquencies in last 7y:
| 0 | | | | |
|
Screen name:
| trumpet4 |
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
Oil & Gas Investment
Purpose of loan:
This loan will be used to invest in a oil & gas drilling site in South Texas.? The drilling is set to begin April 1.? I plan to pay off this loan, within six months,?with the royalties earned from the production of the oil and gas.? I?will be purchasing a?1% interest in the production of the well, and expect a 2500% return on the money invested over the life of the well, which is typically 20 years.? ?????
My financial situation:
I am a good candidate for this loan because I have good income and can meet the monthly liability until the well begins producing.? I have held?the same position with my company for 4 years and have been employed with them for 8 years.? A personal loan is the best option for financing this investment, as the well is set to produce oil & gas 2-3 months after drilling is complete.? I plan to repay the loan during the first month of?the?production cycle.?
Monthly net income: $
11,000-12,000
Monthly expenses: $
??Housing: $ 1600
??Insurance: $ 250
??Car expenses: $1260?
??Utilities: $ 310
??Phone, cable, internet: $ 290
??Food, entertainment: $800?
??Clothing, household expenses $ 100
??Credit cards and other loans: $ 700
??Other expenses: $1500
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
449771
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 |
Auction Duration:
| 7 days
|
|
Term:
| 36 months |
Estimated loss:
| 25.0% | | |
| | | |
|
|
Starting lender yield:
| 29.00% |
Starting borrower rate/APR:
| 30.00% / 32.38% |
Starting monthly payment:
| $297.16 |
| |
|
Auction yield range:
| 17.04% - 29.00% |
Estimated loss impact:
| 26.69% | | |
|
Lender servicing fee:
| 1.00% |
Estimated return:
| 2.31% | | |
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 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 scores:
| |
First credit line:
| Aug-2003 |
Debt/Income ratio:
| 33% |
|
Basic (1-10):
| 3 |
Inquiries last 6m:
| 0 | Employment status: | Full-time employee |
| Enhanced (1-5): | 4 |
Current / open credit lines:
| 6
/
6 | Length of status: | 4y 2m |
|
Credit score:
| 640-659 (Mar-2010) |
Total credit lines:
| 11 |
Occupation: | Sales - Retail |
|
Now delinquent:
| 1 |
Revolving credit balance:
| $3,283 | Stated income: | $25,000-$49,999 |
|
Amount delinquent:
| $35 |
Bankcard utilization:
| 80% | | |
|
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| No | | |
|
Delinquencies in last 7y:
| 0 | | | | |
|
Screen name:
| laudable-p2p |
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
Need to Pay for Production Costs
Purpose of loan:
Hello, I am a partner in a headwear brand and am looking to finance an SMU order (special makeup order) that we have received from a national retail chain. The order is larger than our typical seasonal orders and extends beyond our own self-financing capabilities. We have received the P.O. from our buyer and need to go into production to deliver by June 30th, 2010. If you would like to know more information about the brand I am a partner in please feel free to email me with any questions. I just don't want to post our brand name for PR purposes and I think Prosper advises me not to. Thank you for looking at this opportunity and helping us achieve the financing needed.
My financial situation:
I have a full-time day job that pays for all of my bills and extra money goes into the business.
Monthly net income: $ 2,300.00
Monthly expenses: $
??Housing: $
$500.00
??Insurance: $
125.00
??Car expenses: $ 250.00
??Utilities: $
60.00
??Phone, cable, internet: $
40.00
??Food, entertainment: $
500.00
??Clothing, household expenses $
200.00
??Credit cards and other loans: $
55.00
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
449773
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:
| E |
Auction Duration:
| 7 days
|
|
Term:
| 36 months |
Estimated loss:
| 14.0% | | |
| | | |
|
|
Starting lender yield:
| 34.00% |
Starting borrower rate/APR:
| 35.00% / 37.45% |
Starting monthly payment:
| $203.56 |
| |
|
Auction yield range:
| 14.04% - 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 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 scores:
| |
First credit line:
| Jul-2001 |
Debt/Income ratio:
| 10% |
|
Basic (1-10):
| 6 |
Inquiries last 6m:
| 0 | Employment status: | Full-time employee |
| Enhanced (1-5): | 5 |
Current / open credit lines:
| 7
/
6 | Length of status: | 1y 3m |
|
Credit score:
| 680-699 (Mar-2010) |
Total credit lines:
| 14 |
Occupation: | Other |
|
Now delinquent:
| 0 |
Revolving credit balance:
| $3,309 | Stated income: | $50,000-$74,999 |
|
Amount delinquent:
| $0 |
Bankcard utilization:
| 68% | | |
|
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| Yes | | |
|
Delinquencies in last 7y:
| 0 | | | | |
|
Screen name:
| Sparks81 |
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
Paying off my credit cards
Purpose of loan: This loan will be used to pay off credit card bills with high interest rates eliminating my?credit card?and loan debts?
My financial situation: I am a good candidate for this loan because I have a study full time job and can afford to pay back this loan, I am able to make my current monthly payments but opportunities to contribute to my saving are limited. I hope to pay down this loan in a timely manner and get back on the road to saving.?I have never missed a monthly payment on any of my obligations?and this loan will be?treated no differently.?I am a very honest and reliable person that understands the importance of repaying debts to others. My current annual income is $52,500; I contribute 11% of my paycheck to my company 401K plan and have saved over $7000 however recent issues with my home that has occurred over the last year have caused me to charge my cards to nearly the limit which is damaging my credit score. I would like to use this loan to pay off those debts and consolidate this into one monthly payment. Thank you for considering funding me.
Monthly income: $ 2500
Monthly expenses: $ 2300
??Housing: $ 700
??Insurance: $ 31
??Car expenses: $ 0
??Utilities: $ 437
??Phone, cable, internet: $?250
??Food, entertainment: $ 200
??Clothing, household expenses $ 100
??Credit cards and other loans: $ 567
??Other expenses: $
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
449783
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:
| C |
Auction Duration:
| 7 days
|
|
Term:
| 36 months |
Estimated loss:
| 6.2% | | |
| | | |
|
|
Starting lender yield:
| 20.53% |
Starting borrower rate/APR:
| 21.53% / 23.79% |
Starting monthly payment:
| $379.48 |
| |
|
Auction yield range:
| 8.04% - 20.53% |
Estimated loss impact:
| 6.68% | | |
|
Lender servicing fee:
| 1.00% |
Estimated return:
| 13.85% | | |
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 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 scores:
| |
First credit line:
| Nov-1972 |
Debt/Income ratio:
| 32% |
|
Basic (1-10):
| 5 |
Inquiries last 6m:
| 1 | Employment status: | Retired |
| Enhanced (1-5): | 4 |
Current / open credit lines:
| 9
/
8 | Length of status: | 3y 9m |
|
Credit score:
| 800-819 (Mar-2010) |
Total credit lines:
| 29 | Stated income: | $1-$24,999 |
|
Now delinquent:
| 0 |
Revolving credit balance:
| $164 | |
|
Amount delinquent:
| $0 |
Bankcard utilization:
| 1% | | |
|
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| Yes | | |
|
Delinquencies in last 7y:
| 0 | | | | |
|
Screen name:
| felicity-holly |
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
Paying off credit cards
Purpose of loan:
This loan will be used to? To consoladate outstanding depts.
My financial situation:
I am a good candidate for this loan because? I have never defaulted on any dept that i owed.
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
449789
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
|
Amount:
| $1,000.00 |
Prosper Rating:
| AA |
Auction Duration:
| 7 days
|
|
Term:
| 36 months |
Estimated loss:
| 0.6% | | |
| | | |
|
|
Starting lender yield:
| 6.13% |
Starting borrower rate/APR:
| 7.13% / 7.47% |
Starting monthly payment:
| $30.94 |
| |
|
Auction yield range:
| 3.04% - 6.13% |
Estimated loss impact:
| 0.60% | | |
|
Lender servicing fee:
| 1.00% |
Estimated return:
| 5.53% | | |
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 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 scores:
| |
First credit line:
| Dec-2005 |
Debt/Income ratio:
| Not calculated |
|
Basic (1-10):
| 10 |
Inquiries last 6m:
| 0 | Employment status: | Not employed |
| Enhanced (1-5): | 4 |
Current / open credit lines:
| 1
/
1 | Length of status: | 0y 7m |
|
Credit score:
| 760-779 (Feb-2010) |
Total credit lines:
| 3 | Stated income: | Not employed |
|
Now delinquent:
| 0 |
Revolving credit balance:
| $0 | |
|
Amount delinquent:
| $0 |
Bankcard utilization:
| 0% | | |
|
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| No | | |
|
Delinquencies in last 7y:
| 0 | | | | |
|
Screen name:
| immaculate-currency |
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
Student who needs a little help
Purpose of loan:
This loan is to build credit. With the increasing importance of a good credit score, and rising challenges in getting out of bad credit, I wish to further boost mine. I will be leaving ten months worth of payments in the account to help?assure repayment. I am a full-time student at studying Automotive Aftermarket Management & Business Management as a double major. This loan will also ease the financial tension due to the depleting funds from my last summer of work. I worked on a?Cherry?farm for the last several summers of my life and that money would mostly last me the year and I also do a lot of? "around the neighborhood" work (ex: shovel driveways in the winter, mow lawns, clean up leaves, landscaping, planting, gardening, etc...).
My financial situation:
I am a good candidate for this loan because I am going to budget some of the money borrowed to make payments until I can get back to my seasonal work on the farm or other employment closer to college, which I am currently waiting to hear back on several interviews. I have had initial and secondary interviews at?multiple employers, and a few of which?had advised me to look for further calls in the next week or so too. I will keep investors updated on that process also. If there are any questions please feel free to ask.
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
449795
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:
| B |
Auction Duration:
| 7 days
|
|
Term:
| 36 months |
Estimated loss:
| 5.0% | | |
| | | |
|
|
Starting lender yield:
| 16.57% |
Starting borrower rate/APR:
| 17.57% / 19.77% |
Starting monthly payment:
| $179.69 |
| |
|
Auction yield range:
| 6.04% - 16.57% |
Estimated loss impact:
| 5.29% | | |
|
Lender servicing fee:
| 1.00% |
Estimated return:
| 11.28% | | |
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 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 scores:
| |
First credit line:
| Oct-1998 |
Debt/Income ratio:
| 26% |
|
Basic (1-10):
| 8 |
Inquiries last 6m:
| 2 | Employment status: | Full-time employee |
| Enhanced (1-5): | 2 |
Current / open credit lines:
| 9
/
9 | Length of status: | 1y 5m |
|
Credit score:
| 720-739 (Mar-2010) |
Total credit lines:
| 39 |
Occupation: | Social Worker |
|
Now delinquent:
| 0 |
Revolving credit balance:
| $19,931 | Stated income: | $25,000-$49,999 |
|
Amount delinquent:
| $0 |
Bankcard utilization:
| 68% | | |
|
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| Yes | | |
|
Delinquencies in last 7y:
| 0 | | | | |
|
Screen name:
| affluence-circuitry6 |
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.
Description
Wedding
Purpose of loan:
This loan will be used for my wedding on November 6, 2010--
The money will be used as follows:
Wedding Hall: $900
Catering: $1400
Wedding Dress: $350
Photographer: $650
Flowers: $350
Reception Decorations/Table Covers/Centerpieces: $500
Ring: $300
Incidentals: $550
Total: $5000
My financial situation:
My monthly income is $3166; plus $300 month gas reimbursement for car (which pays my car payment monthly) and $50 month cell phone reimbursement; house payment is $790.16; car payment $235; and credit card $405--minimums; equaling $1430 a month. Adding an additional payment would not make it difficult, and since I have the opportunity to make more in the upcoming months, I will be able to pay off in shorter period of time.
I am a good candidate for this loan because I pay my bills on time--and I am a responsible, hard-working consumer, who thrives on being cheap! I have the opportunity, starting in May, to make extra money at work (I am a Case Manager Supervisor in the mental health field). Borrowing money right now really is a timing issue for me. I can make up to $1000 extra per month, but to be on the conservative side, I plan to at least make an additional $500 a month to pay extra on this loan, to have it paid off in a little over a year--making bigger installments than the required minimum payment. Paying my bills is important to me, and I take pride in my credit score-- showing that I have good credit, with no delinquencies and no late payments. I would greatly appreciate your help. Thanks so much!
Information in the Description is not verified.