Listing Report:Supplement No. 202 dated Mar 26, 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
419376
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
|
Amount:
| $15,000.00 |
Prosper Rating:
| C |
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:
| $587.94 |
| |
|
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:
| Feb-1989 |
Debt/Income ratio:
| 54% |
|
Basic (1-10):
| 7 |
Inquiries last 6m:
| 0 | Employment status: | Full-time employee |
| Enhanced (1-5): | 5 |
Current / open credit lines:
| 13
/
13 | Length of status: | 4y 2m |
|
Credit score:
| 780-799 (Mar-2010) |
Total credit lines:
| 27 |
Occupation: | Professional |
|
Now delinquent:
| 0 |
Revolving credit balance:
| $11,757 | Stated income: | $25,000-$49,999 |
|
Amount delinquent:
| $0 |
Bankcard utilization:
| 12% | | |
|
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| Yes | | |
|
Delinquencies in last 7y:
| 0 | | | | |
|
Screen name:
| workaholic68 |
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 / 1 |
On-time:
| 12 ( 100% )
| 780-799 (Latest)
|
|
Principal borrowed:
| $13,000.00 | < mo. late:
| 0
( 0% )
| 760-779
(Aug-2009)
740-759
(Sep-2008)
760-779
(Mar-2008)
|
|
Principal balance:
| $0.00 |
1+ mo. late:
| 0
( 0% )
|
|
Total payments billed:
| 12 | | |
Description
Paying off construction bills
This will be my second Prosper loan if it is funded-- we paid off the last one well in advance of the term.? I am also a Prosper lender.? I really like how it helps individuals instead of banks!
We have some debt from remodeling our house in 2009.? We have a Home Depot account and a Visa we'd like to kiss goodbye, along with a couple of small contractors' bills.? ?
My husband and I are self-employed, and we pay ourselves around $95K per year.? We have been in business for ourselves since 2006.? We owe about $100K on our mortgage, and $25K on a line of credit (also related to the remodeling.)? In addition to being self employed, I am working for the Census.? I also have two other small businesses-- I sell custom printing as a broker, and I make and sell jewelry.?
Thanks for reading!
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
424152
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
|
Amount:
| $6,000.00 |
Prosper Rating:
| HR |
Auction Duration:
| 7 days
|
|
Term:
| 36 months |
Estimated loss:
| 19.0% | | |
| | | |
|
|
Starting lender yield:
| 33.00% |
Starting borrower rate/APR:
| 34.00% / 36.44% |
Starting monthly payment:
| $268.03 |
| |
|
Auction yield range:
| 17.04% - 33.00% |
Estimated loss impact:
| 20.95% | | |
|
Lender servicing fee:
| 1.00% |
Estimated return:
| 12.05% | | |
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:
| Self-employed (DTI Not Calculated) |
|
Basic (1-10):
| 5 |
Inquiries last 6m:
| 0 | Employment status: | Self-employed |
| Enhanced (1-5): | 5 |
Current / open credit lines:
| 8
/
6 | Length of status: | 0y 4m |
|
Credit score:
| 620-639 (Mar-2010) |
Total credit lines:
| 15 |
Occupation: | Computer Programmer |
|
Now delinquent:
| 0 |
Revolving credit balance:
| $9,522 | Stated income: | $50,000-$74,999 |
|
Amount delinquent:
| $0 |
Bankcard utilization:
| 95% | | |
|
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| No | | |
|
Delinquencies in last 7y:
| 0 | | | | |
|
Screen name:
| David550 |
Borrower's state:
| SouthCarolina |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
| Loan history | Payment history | Credit score history |
|
Active / total loans:
| 1 / 2 |
On-time:
| 50 ( 100% )
| 620-639 (Latest)
|
|
Principal borrowed:
| $12,002.00 | < mo. late:
| 0
( 0% )
| 660-679
(Apr-2008)
600-619
(Apr-2007)
|
|
Principal balance:
| $2,453.53 |
1+ mo. late:
| 0
( 0% )
|
|
Total payments billed:
| 50 | | |
Description
3rd Successful Prosper Loan
Purpose of loan:
During 2005-2008 I started a small business called Cardvio (www.cardvio.com).? I started the business on credit cards and would like to consolidate the debt to lower my interest rate.? The company has been marginally profitable for the last three months.?
My financial situation:
For the last three years I've kept a full time job while working part-time on other businesses.? I started Cardvio three years ago and have carried about 26k in business debt.? I've paid off about 16k of that debt but still have another 10k left.? This is my third loan with Prosper and I just paid off a 6k loan and have one other loan running with perfect payment history.
My monthly budget:
Mortgage/rent: $ 492.00
Insurance: $ 85.00
Car expenses: $ 230.00
Utilities: $ 100.00
Phone, cable, internet: $ 85.00
Food, entertainment: $ 300.00
Clothing, household expenses $ 50.00
Credit cards and other loan payments: $ 250.00
Other expenses: $ 0.00
---------------------------------------
Total monthly expenses: $ 1885.00
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
451086
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:
| $5,600.00 |
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:
| $179.07 |
| |
|
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:
| Aug-1987 |
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:
| 9
/
8 | Length of status: | 4y 1m |
|
Credit score:
| 720-739 (Mar-2010) |
Total credit lines:
| 19 |
Occupation: | Professional |
|
Now delinquent:
| 0 |
Revolving credit balance:
| $59,700 | Stated income: | $50,000-$74,999 |
|
Amount delinquent:
| $0 |
Bankcard utilization:
| 65% | | |
|
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| Yes | | |
|
Delinquencies in last 7y:
| 0 | | | | |
|
Screen name:
| loan-spartan8 |
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
Refinancing for a fair rate
Purpose of loan:
This loan will be used to pay off?a credit?card, because the banks?unfairly raised the interest rate.? I have enjoyed?a perfect record with all my accounts, but because?first one creditor lowered my available credit line, some others?raised their interest rates.?The?banks?do not want to lower rates, even though I never violated our agreement in any way.?I just want a fair rate.
My financial situation:
I am a good candidate for this loan because I have?never failed to?repay a loan or make any loan payment, ever.??My debt comes from?the expense of attending school to?obtain professional certification, as well as opening my clinic.??My business is professional practice, with durable medical equipment retail.? When I borrowed, the rates were actually very good.? I was beginning to make large payments to?pay down balances, when the economy slowed,? then the banks raised their interest.? If I had a?fair?interest rate, I could easily?pay?my debt off with the proceeds from my business.? I am?currently making?a larger?payment total?than I would be making to?Prosper.??Even with the down economy,?my business debt only grew?0.7% for 2009.
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
451434
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:
| 6.5% | | |
| | | |
|
|
Starting lender yield:
| 20.06% |
Starting borrower rate/APR:
| 21.06% / 24.21% |
Starting monthly payment:
| $45.25 |
| |
|
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:
| Dec-1999 |
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:
| 5
/
5 | Length of status: | 4y 4m |
|
Credit score:
| 660-679 (Mar-2010) |
Total credit lines:
| 18 |
Occupation: | Construction |
|
Now delinquent:
| 0 |
Revolving credit balance:
| $2,195 | 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:
| Poolman62 |
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
Help Pay Off Title Loan Debt
Purpose of loan:
This loan will be used to pay off my credit card and a store charge account so that I can close them. By consolidating both payments into one, I will be able to put more money into my savings account, so I can eventually do my backyard landscaping. I also hope by paying off my credit cards that it will improve my credit score even more. I have been paying more than the minimum monthly payment on each every month, but my Capital One credit card interest rate is 29.9% and the Lowes store charge account is just a little less than that.
My financial situation:
I am a good candidate for this loan because I always pay my bills on time.?I am a very hard worker and I would like to get out of?debt as soon as possible!? A divorce left my credit with a negative impact. Over the past two years, I've been striving to bring my credit back up. I appreciate your help.
Monthly net income: $3200
Monthly expenses: $2152
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
451656
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:
| $14,500.00 |
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:
| $655.92 |
| |
|
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:
| May-2000 |
Debt/Income ratio:
| Not calculated |
|
Basic (1-10):
| 3 |
Inquiries last 6m:
| 1 | Employment status: | Full-time employee |
| Enhanced (1-5): | 4 |
Current / open credit lines:
| 16
/
16 | Length of status: | 10y 5m |
|
Credit score:
| 740-759 (Mar-2010) |
Total credit lines:
| 34 |
Occupation: | Professional |
|
Now delinquent:
| 0 |
Revolving credit balance:
| $6,661 | Stated income: | $100,000+ |
|
Amount delinquent:
| $0 |
Bankcard utilization:
| 47% | | |
|
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| Yes | | |
|
Delinquencies in last 7y:
| 0 | | | | |
|
Screen name:
| bid-owner8 |
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
Home Repair- I Always Pay On Time
Purpose of loan:
This loan will be used to do some repairs on my house.? I always pay on time and this will be no different. I was a 100% funded but had to redo my loan because some of my income is 1099 and not W-2 income.
My financial situation:
I am a good candidate for this loan because I have plenty of income to be able to pay this loan.
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
451674
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:
| 7.0% | | |
| | | |
|
|
Starting lender yield:
| 21.93% |
Starting borrower rate/APR:
| 22.93% / 25.21% |
Starting monthly payment:
| $386.73 |
| |
|
Auction yield range:
| 8.04% - 21.93% |
Estimated loss impact:
| 7.52% | | |
|
Lender servicing fee:
| 1.00% |
Estimated return:
| 14.41% | | |
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-1994 |
Debt/Income ratio:
| 6% |
|
Basic (1-10):
| 6 |
Inquiries last 6m:
| 3 | Employment status: | Full-time employee |
| Enhanced (1-5): | 5 |
Current / open credit lines:
| 3
/
2 | Length of status: | 2y 5m |
|
Credit score:
| 780-799 (Mar-2010) |
Total credit lines:
| 7 |
Occupation: | Other |
|
Now delinquent:
| 0 |
Revolving credit balance:
| $188 | Stated income: | $75,000-$99,999 |
|
Amount delinquent:
| $0 |
Bankcard utilization:
| 1% | | |
|
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| No | | |
|
Delinquencies in last 7y:
| 0 | | | | |
|
Screen name:
| euro-network |
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
Working Capital
Purpose of loan:
This loan will be used for working capital for my sushi restaurant.
My financial situation:
I am a good candidate for this loan because I pay my bills on time and have a good credit history.
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
451686
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:
| Jun-1993 |
Debt/Income ratio:
| 32% |
|
Basic (1-10):
| 2 |
Inquiries last 6m:
| 11 | Employment status: | Full-time employee |
| Enhanced (1-5): | 3 |
Current / open credit lines:
| 23
/
22 | Length of status: | 0y 6m |
|
Credit score:
| 680-699 (Mar-2010) |
Total credit lines:
| 59 |
Occupation: | Other |
|
Now delinquent:
| 0 |
Revolving credit balance:
| $15,528 | Stated income: | $100,000+ |
|
Amount delinquent:
| $0 |
Bankcard utilization:
| 44% | | |
|
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| Yes | | |
|
Delinquencies in last 7y:
| 0 | | | | |
|
Screen name:
| radiant-principal6 |
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
Working Capital
Purpose of loan:
This loan will be used to expand my business.
My financial situation:
I am a good candidate for this loan because I will make the repayments on time.
Monthly net income: $
8750
Monthly expenses: $
??Housing: $ 2250
??Insurance: $
??Car expenses: $
??Utilities: $ 100
??Phone, cable, internet: $ 100
??Food, entertainment: $ 200
??Clothing, household expenses $
??Credit cards and other loans: $ 2251
??Other expenses: $
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
451692
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:
| 11.04% |
Starting borrower rate/APR:
| 12.04% / 14.17% |
Starting monthly payment:
| $332.33 |
| |
|
Auction yield range:
| 11.04% - 11.04% |
Estimated loss impact:
| 10.23% | | |
|
Lender servicing fee:
| 1.00% |
Estimated return:
| 0.81% | | |
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:
| Mar-2007 |
Debt/Income ratio:
| 4% |
|
Basic (1-10):
| 6 |
Inquiries last 6m:
| 1 | Employment status: | Full-time employee |
| Enhanced (1-5): | 5 |
Current / open credit lines:
| 6
/
6 | Length of status: | 2y 7m |
|
Credit score:
| 700-719 (Mar-2010) |
Total credit lines:
| 10 |
Occupation: | Engineer - Electric... |
|
Now delinquent:
| 0 |
Revolving credit balance:
| $1,146 | Stated income: | $100,000+ |
|
Amount delinquent:
| $0 |
Bankcard utilization:
| 12% | | |
|
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| No | | |
|
Delinquencies in last 7y:
| 0 | | | | |
|
Screen name:
| enchanted-loot8 |
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
Putting new closets and furniture
Purpose of loan:
This loan will be used to buy new furniture and put new closets in my home
My financial situation:
I am a good candidate for this loan because I pay my credit card bills on time and I have very good credit history.
Monthly net income: $
5000
Monthly expenses: $
??Housing: $
1200
??Insurance: $
100
??Car expenses: $
200
??Utilities: $
50
??Phone, cable, internet: $
50
??Food, entertainment: $
400
??Clothing, household expenses $
100
??Credit cards and other loans: $
0
??Other expenses: $
0
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
451710
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:
| 16.00% |
Starting borrower rate/APR:
| 17.00% / 19.20% |
Starting monthly payment:
| $249.57 |
| |
|
Auction yield range:
| 8.04% - 16.00% |
Estimated loss impact:
| 8.36% | | |
|
Lender servicing fee:
| 1.00% |
Estimated return:
| 7.64% | | |
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-2001 |
Debt/Income ratio:
| 24% |
|
Basic (1-10):
| 8 |
Inquiries last 6m:
| 0 | Employment status: | Full-time employee |
| Enhanced (1-5): | 5 |
Current / open credit lines:
| 7
/
7 | Length of status: | 8y 0m |
|
Credit score:
| 720-739 (Mar-2010) |
Total credit lines:
| 16 |
Occupation: | Police Officer/Corr... |
|
Now delinquent:
| 0 |
Revolving credit balance:
| $4,194 | Stated income: | $50,000-$74,999 |
|
Amount delinquent:
| $0 |
Bankcard utilization:
| 19% | | |
|
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| No | | |
|
Delinquencies in last 7y:
| 0 | | | | |
|
Screen name:
| monroviachick |
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:
| 30 ( 100% )
| 720-739 (Latest)
|
|
Principal borrowed:
| $12,000.00 | < mo. late:
| 0
( 0% )
| 720-739
(Aug-2007)
|
|
Principal balance:
| $2,297.09 |
1+ mo. late:
| 0
( 0% )
|
|
Total payments billed:
| 30 | | |
Description
Getting Married - Please Help :)
Purpose of loan:
This loan will be used to pay for my wedding
My financial situation:
I am working full time as a Jailer at one Police Department, and I just started Part-Time Dispatch at another PD. I got the part-time job to pay for the wedding but now that department might be closing down within the next three months. :( So now I need help to pay for the remainder of the wedding details. Things I still need to pay off for the wedding:
Reception Rental Fee: $500- left to pay
Tables/Chair Rental Fee: $700-
Linens/Plates/Cups/Silverware Rental: $700-
Flowers for ceremony & reception: $600-700ish
DJ: $500-
Minister/Officiant: $500-
Photographer: $400-
Hair & Makeup: $200-
Bridesmaids/Groomsman gifts: $500-
Total so far $4700-
Ceremony Programs, Aisle Runners, Rose Petals, & Misc small items still left to pay for too. And an extra couple thousand as a cushion for the unknown/last minute problems.
I am a good candidate for this loan because I am working full-time and part-time. I can make payments every month and in August I will finish paying off my first prosper loan and I will have an additional $400/month to pay the loan off faster :) I've never been late making my prosper loan payments and my credit is good.
Thank you all so much for your help in making my wedding possible :D Much love to you all!! BTW We are getting married this September 4 :)
AS OF 3/17/2010 PROSPER HAD ME RE-LIST THIS LOAN REQUEST BECAUSE MY ORIGINAL PHOTO HAD MY FIANCE'S & MY FIRST AND LAST NAMES AND I DO HAVE A W2 AND PAYSTUB THAT I CAN FAX TO VERIFY MY FINANCES. THANK YOU!! :)........ Relist due to last time I was at 87% Funded when my listing expired.. Please help :)
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
451716
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:
| $11,500.00 |
Prosper Rating:
| AA |
Auction Duration:
| 7 days
|
|
Term:
| 36 months |
Estimated loss:
| 1.5% | | |
| | | |
|
|
Starting lender yield:
| 10.57% |
Starting borrower rate/APR:
| 11.57% / 11.92% |
Starting monthly payment:
| $379.61 |
| |
|
Auction yield range:
| 3.04% - 10.57% |
Estimated loss impact:
| 1.51% | | |
|
Lender servicing fee:
| 1.00% |
Estimated return:
| 9.06% | | |
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:
| Jan-1995 |
Debt/Income ratio:
| 8% |
|
Basic (1-10):
| 7 |
Inquiries last 6m:
| 1 | Employment status: | Full-time employee |
| Enhanced (1-5): | 5 |
Current / open credit lines:
| 7
/
5 | Length of status: | 13y 1m |
|
Credit score:
| 820-839 (Mar-2010) |
Total credit lines:
| 20 |
Occupation: | Professional |
|
Now delinquent:
| 0 |
Revolving credit balance:
| $797 | Stated income: | $50,000-$74,999 |
|
Amount delinquent:
| $0 |
Bankcard utilization:
| 2% | | |
|
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| Yes | | |
|
Delinquencies in last 7y:
| 0 | | | | |
|
Screen name:
| ore-frontier |
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
It's a Family Affair - BETTER RATE
Purpose of loan:This loan will be used to help pay income taxes for my parents. They bought a home to be closer to us and help take care of our 2 kids. In doing so they took a large disbursement from their IRA to pay off the mortgage on their previous home and make a down payment on the new home. This has left them with a very large tax burden this year of which their only option of paying is to take another large amount from their IRA, which in turn will double their income tax next year. In order to prevent them from draining their retirement savings paying these taxes I would like to pay as much of the tax as I can. They are saving me $12,000 a year in child care cost and I would like to do all I can to help them as they have done so much for us. I currently have $10,000 from savings and am seeking additional funds to cover more.
My personal financial situation is very strong.In addition to owning my primary home, I own an investment property which provides an additional $1200/mo. income not listed. (mortgage of $740/mo.) I considered a HELOC but the upfront fees of $2000-$3000 and 4-6 week time frame don?t work for me.My wife also has an income of approx. $60,000 annually as a teacher (very secure).No car payments, credit card balances are paid off in full each month.Thank You for your consideration. Please feel free to inquire if you would like additional information.
Had a few bids at 7.09, relisted with higher rate to generate greater interest. pun intended :)
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
451728
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:
| Dec-1992 |
Debt/Income ratio:
| 47% |
|
Basic (1-10):
| 8 |
Inquiries last 6m:
| 0 | Employment status: | Full-time employee |
| Enhanced (1-5): | 5 |
Current / open credit lines:
| 10
/
9 | Length of status: | 6y 6m |
|
Credit score:
| 640-659 (Mar-2010) |
Total credit lines:
| 19 |
Occupation: | Professional |
|
Now delinquent:
| 0 |
Revolving credit balance:
| $9,544 | Stated income: | $25,000-$49,999 |
|
Amount delinquent:
| $0 |
Bankcard utilization:
| 82% | | |
|
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| No | | |
|
Delinquencies in last 7y:
| 0 | | | | |
|
Screen name:
| cjlav |
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.
Prosper Activity
| Loan history | Payment history | Credit score history |
|
Active / total loans:
| 1 / 2 |
On-time:
| 31 ( 100% )
| 640-659 (Latest)
|
|
Principal borrowed:
| $7,500.00 | < mo. late:
| 0
( 0% )
| 640-659
(Feb-2008)
680-699
(Apr-2007)
|
|
Principal balance:
| $1,807.90 |
1+ mo. late:
| 0
( 0% )
|
|
Total payments billed:
| 31 | | |
Description
Consolidation
Purpose of loan:
consolidation of debts listed below
My financial situation:
I have a long credit history, I have a 6 years at my current job.?
Looking to consolidate the bills listed below.
My monthly budget:
Monthly Income:? $1800
Mortgage/rent: $0
Insurance: $55
Car expenses: $
Utilities: $
Phone, cable, internet: $100
Food, entertainment: $200
Clothing, household expenses $
loan payments: $305
2 Bank of America $420
***Pay off 2 Capital ONe, and Credit union, new loan amount around $170, and roll in my current Prosper loan with this new loan.?
Other expenses: $
---------------------------------------
Total monthly expenses: $1240
This will actually lower my monthly payments, by combining my current Prosper loan and several other loans.
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
451740
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:
| 8.0% | | |
| | | |
|
|
Starting lender yield:
| 23.68% |
Starting borrower rate/APR:
| 24.68% / 26.98% |
Starting monthly payment:
| $395.91 |
| |
|
Auction yield range:
| 8.04% - 23.68% |
Estimated loss impact:
| 8.56% | | |
|
Lender servicing fee:
| 1.00% |
Estimated return:
| 15.12% | | |
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-1979 |
Debt/Income ratio:
| 34% |
|
Basic (1-10):
| 8 |
Inquiries last 6m:
| 0 | Employment status: | Retired |
| Enhanced (1-5): | 3 |
Current / open credit lines:
| 10
/
9 | Length of status: | 7y 9m |
|
Credit score:
| 720-739 (Mar-2010) |
Total credit lines:
| 26 | Stated income: | $25,000-$49,999 |
|
Now delinquent:
| 0 |
Revolving credit balance:
| $176,117 | |
|
Amount delinquent:
| $0 |
Bankcard utilization:
| 92% | | |
|
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| No | | |
|
Delinquencies in last 7y:
| 0 | | | | |
|
Screen name:
| exuberant-marketplace2 |
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
Helping my kids pay off their debt!
Purpose of loan:
This loan will be used to? help my son and daughter-in-law pay off their debts so my son can go back to school and get his Phd.? He is going to be a principal.
My financial situation:
I am a good candidate for this loan because? I always pay off my debts and I have a secure income with my pension and rental income coming in.
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
451746
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:
| $11,000.00 |
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:
| $445.84 |
| |
|
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:
| Oct-2007 |
Debt/Income ratio:
| 23% |
|
Basic (1-10):
| 6 |
Inquiries last 6m:
| 1 | Employment status: | Full-time employee |
| Enhanced (1-5): | 3 |
Current / open credit lines:
| 5
/
5 | Length of status: | 0y 7m |
|
Credit score:
| 700-719 (Mar-2010) |
Total credit lines:
| 6 |
Occupation: | Retail Management |
|
Now delinquent:
| 0 |
Revolving credit balance:
| $4,352 | 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:
| scrutinzer554 |
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
Buying Profitable Internet Business
Purpose of loan:
This loan will be used to take over an established profitable business. This will be an internet business that started in 2006 and has been significantly expanding. It is a hosting website with over 600 customers. I'm teaming up with my brother who has been in web hosting for 7 years now. Together we will take over this business and try to expand it and make it even more profitable.
Projected net profit is $4,000/month. $2,000 net profit for each person to take home.
My financial situation:
I am a good candidate for this loan because I am doing very well financially and have had an online business in the past.
I'm living with my brother in a 2 bedroom apartment and our living expenses are not high. We will be keeping our full time jobs, have one full-time employee and work on the site part-time ourselves.
Monthly income:
Myself: $2500 (job). Brother: $2750 (job). Total: $5250
Total Monthly Expenses:
$3650
? Housing: $1600
??Insurance: $250
??Car expenses: $300
??Utilities: $200
??Phone, cable, internet: $150
??Food, entertainment: $500
??Clothing, household expenses $300
??Credit cards and other loans: $150
??Other expenses: $200
Prosper.com loan: $440
Monthly Expenses:
LLC: $60
Location: $300
Insurance: $250
Hosting: $200
Online Merchant: $200
Marketing: $300
Other: $200
------TOTAL--------
$1500 Estimated
Initial Purchase: $20,000
Monthly Business Expenses: $1500
Employees: 40x1emp= 40hrs. 40x$15= $600. $600x4weeks= $2400.
Unexpected : $500
--Total Monthly cost: $4,400.
--Total Cost 1st Month: $24,400.
Money saved up: $13,400
Money Needed Through Prosper.com: $11,000
The average hosting package sold is $22 per order. Cost of hosting is an average of $8 per order. $22 - $8 = $14 profit. 600cust x $14 = $8400. $8400 - $4400(monthly cost) = $4000 net profit. Customer base has grown with 4 customers a week on average (new customers - customers leaving), for the last 6 months.
We are funding 50+% of funds needed for the business out of our own pocket.This business will make an estimated net profit of $2000 for me on a monthly basis. Net profit will grow every time more customers purchase hosting. This will improve my financial situation while keeping the same living expenses, which in turn means I can pay this loan back sooner then 36 months. I'm looking to pay the loan back within 24 months.
Thank you for your interest and I'm looking forward to any questions !
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
451758
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
|
Amount:
| $18,000.00 |
Prosper Rating:
| 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:
| $705.53 |
| |
|
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:
| Sep-1999 |
Debt/Income ratio:
| 17% |
|
Basic (1-10):
| 6 |
Inquiries last 6m:
| 1 | Employment status: | Full-time employee |
| Enhanced (1-5): | 5 |
Current / open credit lines:
| 29
/
29 | Length of status: | 2y 6m |
|
Credit score:
| 760-779 (Mar-2010) |
Total credit lines:
| 34 |
Occupation: | Attorney |
|
Now delinquent:
| 0 |
Revolving credit balance:
| $2,102 | Stated income: | $100,000+ |
|
Amount delinquent:
| $0 |
Bankcard utilization:
| 10% | | |
|
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| No | | |
|
Delinquencies in last 7y:
| 0 | | | | |
|
Screen name:
| laudable-velocity0 |
Borrower's state:
| DistrictOfColumbia |
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
Engagement Ring
Purpose of loan:
This loan will be used to help finance the purchase of an engagement ring for my girlfriend.? Yes, this loan will be used for love.
My financial situation:
I am a good candidate for this loan because I have a steady, well-paying job at a highly respected national law firm.? In addition to my annual?salary of $180,000 per year, I am paid a bonus of anywhere from?$10,000 to $20,000.? I have a good credit history.? I have developed a plan to pay back this loan expeditiously through regular payments.? I am paid approximately $7,900 per month after taxes.? As such, I will have more than enough resources to repay this loan on an reasonable schedule at a appropriate interest rate.? My only reason for needing this loan?is so that I can maintain my current pace of repaying all of my studen loan debt as quickly as possible.
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
451770
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:
| AA |
Auction Duration:
| 7 days
|
|
Term:
| 36 months |
Estimated loss:
| 1.5% | | |
| | | |
|
|
Starting lender yield:
| 9.48% |
Starting borrower rate/APR:
| 10.48% / 10.83% |
Starting monthly payment:
| $487.40 |
| |
|
Auction yield range:
| 3.04% - 9.48% |
Estimated loss impact:
| 1.51% | | |
|
Lender servicing fee:
| 1.00% |
Estimated return:
| 7.97% | | |
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-1981 |
Debt/Income ratio:
| 48% |
|
Basic (1-10):
| 6 |
Inquiries last 6m:
| 1 | Employment status: | Retired |
| Enhanced (1-5): | 4 |
Current / open credit lines:
| 7
/
7 | Length of status: | 24y 4m |
|
Credit score:
| 800-819 (Mar-2010) |
Total credit lines:
| 24 | Stated income: | $1-$24,999 |
|
Now delinquent:
| 0 |
Revolving credit balance:
| $16,057 | |
|
Amount delinquent:
| $0 |
Bankcard utilization:
| 28% | | |
|
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| Yes | | |
|
Delinquencies in last 7y:
| 0 | | | | |
|
Screen name:
| intrepid-gain8 |
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 cards payoff
Purpose of loan:
This loan will be used to?
pay off three credit cards, the bulk of which i ran up trying to help a family member going through tough times and also helping my mom pay for major dental work
My financial situation:
I am a good candidate for this loan because?
up until 16 months ago i always paid my cards in full and on time.
my income is low but is deceiving. here's why - i am on long-term disability since 1985. i chose the "retired" option because there is no "disabled" option. (you should fix that, prosper.) my income is tax-free and includes full health coverage. my mom lives with me and shares all bills. i am easily able to repay a small loan.
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
451776
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:
| 8.5% | | |
| | | |
|
|
Starting lender yield:
| 21.50% |
Starting borrower rate/APR:
| 22.50% / 24.77% |
Starting monthly payment:
| $384.50 |
| |
|
Auction yield range:
| 8.04% - 21.50% |
Estimated loss impact:
| 9.01% | | |
|
Lender servicing fee:
| 1.00% |
Estimated return:
| 12.49% | | |
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:
| Jun-2000 |
Debt/Income ratio:
| 16% |
|
Basic (1-10):
| 4 |
Inquiries last 6m:
| 3 | Employment status: | Full-time employee |
| Enhanced (1-5): | 4 |
Current / open credit lines:
| 7
/
4 | Length of status: | 2y 1m |
|
Credit score:
| 780-799 (Mar-2010) |
Total credit lines:
| 32 |
Occupation: | Sales - Commission |
|
Now delinquent:
| 1 |
Revolving credit balance:
| $0 | Stated income: | $75,000-$99,999 |
|
Amount delinquent:
| $3,502 |
Bankcard utilization:
| 0% | | |
|
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| Yes | | |
|
Delinquencies in last 7y:
| 6 | | | | |
|
Screen name:
| kind-profitable-revenue |
Borrower's state:
| California |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Description
Income/Property Tax Payment Loan
Purpose of loan:
This loan will be used to pay off income and property tax debt.
My financial situation:
I am a good candidate for this loan because I have a 700+ FICO score.? I have had 30+ trade lines with 0 late payments.? The only negative information on my credit report is a short sale.? This was done by my ex-wife and is currently being taken off my credit report.? Additionally I have the divorce decree that shows her liability for the property.
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
451780
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-2004 |
Debt/Income ratio:
| 26% |
|
Basic (1-10):
| 2 |
Inquiries last 6m:
| 1 | Employment status: | Full-time employee |
| Enhanced (1-5): | 2 |
Current / open credit lines:
| 2
/
1 | Length of status: | 1y 5m |
|
Credit score:
| 640-659 (Mar-2010) |
Total credit lines:
| 3 |
Occupation: | Other |
|
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:
| axis2 |
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
Auto Repairs
Purpose of loan:
This loan will be used to? Rebuild my blown engine
My financial situation:
I am a good candidate for this loan because? I desperately need to fix my car and am willing and able?to payback at?a high apr. I live at home and don't pay a cell phone bill.? The only monthly expenses i incur are my car loan and insurance, so I am fully capable of making the monthly payments.
Monthly net income: $ 1500.00
Monthly expenses: $ 520.00
??Housing: $ 0.00
??Insurance: $ 190.00
??Car expenses: $240.00
??Utilities: $ 0.00
??Phone, cable, internet: $0.00
??Food, entertainment: $ 0.00
??Clothing, household expenses $0.00
??Credit cards and other loans: $ 90.00
??Other expenses: $
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
451788
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:
| $2,222.00 |
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:
| $100.51 |
| |
|
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:
| Sep-1990 |
Debt/Income ratio:
| Self-employed (DTI Not Calculated) |
|
Basic (1-10):
| 5 |
Inquiries last 6m:
| 3 | Employment status: | Self-employed |
| Enhanced (1-5): | 2 |
Current / open credit lines:
| 9
/
8 | Length of status: | 2y 10m |
|
Credit score:
| 660-679 (Mar-2010) |
Total credit lines:
| 25 |
Occupation: | Other |
|
Now delinquent:
| 0 |
Revolving credit balance:
| $3,280 | Stated income: | $50,000-$74,999 |
|
Amount delinquent:
| $0 |
Bankcard utilization:
| 48% | | |
|
Public records last 12m / 10y:
| 0/ 1 |
Homeownership:
| No | | |
|
Delinquencies in last 7y:
| 3 | | | | |
|
Screen name:
| MacFabian |
Borrower's state:
| Washington |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
| Loan history | Payment history | Credit score history |
|
Active / total loans:
| 0 / 2 |
On-time:
| 13 ( 100% )
| 660-679 (Latest)
|
|
Principal borrowed:
| $2,000.00 | < mo. late:
| 0
( 0% )
| 660-679
(Feb-2010)
640-659
(Dec-2009)
640-659
(Sep-2009)
660-679
(Aug-2009)
|
|
Principal balance:
| $0.00 |
1+ mo. late:
| 0
( 0% )
|
|
Total payments billed:
| 13 | | |
Description
Anybody? 3rd Prosper Loan: No Lates
Purpose of loan:
This loan will be used to? buy carpet cleaning equipment
My financial situation:
I am a good candidate for this loan because? I always pay the money back ontime
Monthly net income: $ 5000
Monthly expenses: $
??Housing: $ 1000????????
??Insurance: $ 200
??Car expenses: $ 200
??Utilities: $ 100
??Phone, cable, internet: $ 100
??Food, entertainment: $ 400
??Clothing, household expenses $ 150
??Credit cards and other loans: $ 100
??Other expenses: $ 0
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
451792
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:
| Apr-2000 |
Debt/Income ratio:
| 16% |
|
Basic (1-10):
| 9 |
Inquiries last 6m:
| 1 | Employment status: | Full-time employee |
| Enhanced (1-5): | 5 |
Current / open credit lines:
| 4
/
4 | Length of status: | 0y 10m |
|
Credit score:
| 740-759 (Mar-2010) |
Total credit lines:
| 13 |
Occupation: | Construction |
|
Now delinquent:
| 0 |
Revolving credit balance:
| $7,800 | Stated income: | $25,000-$49,999 |
|
Amount delinquent:
| $0 |
Bankcard utilization:
| 62% | | |
|
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| Yes | | |
|
Delinquencies in last 7y:
| 8 | | | | |
|
Screen name:
| green-yield-patriot |
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
Buying a used truck
Purpose of loan:
This loan will be used to purchase a 1997 Ford F150 from a friend to replace my current 1989 GMC Sierra.? My current truck needs expensive work to keep it viable.? I need a functioning vehicle to commute to work as well as care for my property.
My financial situation:
I am a good candidate for this loan because I am currently employed with a long standing stable company, well respected in the construction business.? I was hired based on my reputation for being reliable and highly skilled.? In the past 6 months I have already received 2 raises.? I have not been let go by an employer for several decades and have only left a job to pursue a better opportunity and assure stability for my family.? In addition to my own income, my wife has her own successful business as a psychotherapist.? My wife and I make a great team and consider our debt responsibility as a top priority.? We have decided this is a necessary expense because our current truck is going to cost us more in repairs over the next year than this Ford (in very good condition) will cost us to purchase.
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
451794
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:
| Nov-1997 |
Debt/Income ratio:
| 15% |
|
Basic (1-10):
| 3 |
Inquiries last 6m:
| 9 | Employment status: | Full-time employee |
| Enhanced (1-5): | 4 |
Current / open credit lines:
| 9
/
6 | Length of status: | 10y 2m |
|
Credit score:
| 700-719 (Mar-2010) |
Total credit lines:
| 25 |
Occupation: | Retail Management |
|
Now delinquent:
| 0 |
Revolving credit balance:
| $653 | Stated income: | $50,000-$74,999 |
|
Amount delinquent:
| $0 |
Bankcard utilization:
| 15% | | |
|
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| No | | |
|
Delinquencies in last 7y:
| 0 | | | | |
|
Screen name:
| yotoe310 |
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
Student Help
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
451798
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
|
Amount:
| $13,000.00 |
Prosper Rating:
| D |
Auction Duration:
| 7 days
|
|
Term:
| 36 months |
Estimated loss:
| 10.0% | | |
| | | |
|
|
Starting lender yield:
| 15.99% |
Starting borrower rate/APR:
| 16.99% / 19.19% |
Starting monthly payment:
| $463.42 |
| |
|
Auction yield range:
| 11.04% - 15.99% |
Estimated loss impact:
| 10.37% | | |
|
Lender servicing fee:
| 1.00% |
Estimated return:
| 5.62% | | |
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:
| Oct-2003 |
Debt/Income ratio:
| 42% |
|
Basic (1-10):
| 6 |
Inquiries last 6m:
| 2 | Employment status: | Full-time employee |
| Enhanced (1-5): | 4 |
Current / open credit lines:
| 23
/
21 | Length of status: | 1y 10m |
|
Credit score:
| 760-779 (Mar-2010) |
Total credit lines:
| 28 |
Occupation: | Analyst |
|
Now delinquent:
| 0 |
Revolving credit balance:
| $20,961 | Stated income: | $50,000-$74,999 |
|
Amount delinquent:
| $0 |
Bankcard utilization:
| 49% | | |
|
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| Yes | | |
|
Delinquencies in last 7y:
| 0 | | | | |
|
Screen name:
| bountiful-benefit0 |
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
Annihilating Credit Card Debt!
Purpose of loan:
????Hello!?I am a 24 year old, full-time Business Analyst.?I graduated from college in May 2008 (Summa Cum Laude) with a double major in Finance and Economics. The past year has been very exciting for me as I am a new homeowner as well as a newlywed! I had some large expenditures last year due to these major milestones and am now eagerly looking to pay them off more quickly with the?assistance of a lower interest rate.?
My financial situation:
????I have a solid credit background dating back to when I was 18 years old. I have zero late or missed payments in my credit history and have never needed a co-signer for anything. I am blessed with a great job that pays well and?am quite capable of making the monthly payments.?Forgive my bluntness but, I am already making the payments on my credit cards on time every month and that is not going to change regardless of whether?anyone is interested in providing?funding at a lower interest rate. But, I am an economist and I a?believe this is an opportunity that both parties can benefit from!?I am a reliable and punctual borrower who thanks you for your consideration!
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
451804
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-2004 |
Debt/Income ratio:
| 37% |
|
Basic (1-10):
| 7 |
Inquiries last 6m:
| 0 | Employment status: | Full-time employee |
| Enhanced (1-5): | 5 |
Current / open credit lines:
| 16
/
11 | Length of status: | 0y 7m |
|
Credit score:
| 660-679 (Mar-2010) |
Total credit lines:
| 23 |
Occupation: | Other |
|
Now delinquent:
| 0 |
Revolving credit balance:
| $6,803 | Stated income: | $25,000-$49,999 |
|
Amount delinquent:
| $0 |
Bankcard utilization:
| 62% | | |
|
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| No | | |
|
Delinquencies in last 7y:
| 0 | | | | |
|
Screen name:
| vdubbora |
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
Business startup. (22k Performance)
Purpose of loan:
This loan will be used to?start up my business as best as i can. The name of it is 22k Performance, a car repair and performance shop in which i have started little by little selling car parts to mostly friends and family and have spread through car organizations in the miami area and have sold through car forums online though to get a better discounts on parts i would like to buy in bulk and start up an inventory on most parts i have sold alot of.
My financial situation:
I am a good candidate for this loan because?Looking over everything i pay being 23 years old, i can afford to pay back up to $500 a month.
Monthly net income: $2500
Monthly expenses: $300
??Housing: $ 0 (live with wife in her grandmothers house)
??Insurance: $ 150
??Car expenses: $100 a week. (drive AT&T truck throughout the week)
??Utilities: $20
??Phone, cable, internet: $ part of the monthly expense that i pay to my wifes grandmother
??Food, entertainment: $50
??Clothing, household expenses $havent bought clothes since 2004
??Credit cards and other loans: $ 200
??Other expenses: $0
IT WOULD BE OF GREAT HELP FOR THIS LOAN, YOU WILL NOT BE DISAPPOINTED AND AS I STATED I CAN PAY UP TO $500 A MONTH TOWARDS THIS LOAN GUARANTEED. ANY QUESTIONS PLEASE FEEL FREE
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
451810
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:
| 34.00% |
Starting borrower rate/APR:
| 35.00% / 37.45% |
Starting monthly payment:
| $135.71 |
| |
|
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:
| 3 | Employment status: | Full-time employee |
| Enhanced (1-5): | 3 |
Current / open credit lines:
| 2
/
2 | Length of status: | 2y 7m |
|
Credit score:
| 680-699 (Mar-2010) |
Total credit lines:
| 3 |
Occupation: | Skilled Labor |
|
Now delinquent:
| 0 |
Revolving credit balance:
| $794 | Stated income: | $1-$24,999 |
|
Amount delinquent:
| $0 |
Bankcard utilization:
| 10% | | |
|
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| No | | |
|
Delinquencies in last 7y:
| 0 | | | | |
|
Screen name:
| daydream115 |
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
buying a pickup truck
Purpose of loan
to buy a pickup truck for gold panning here in az.?
My financial situation:
I am a good candidate for this loan because?
Monthly net income: $1,300
Monthly expenses: $
??Housing: $ 625
??Insurance: $ my car insurance is paid from other then my income.
??Car expenses: $ my car is paid for $100.00
??Utilities: $ 0 inclueded in rent
??Phone, cable, internet: $ inclueded in rent
??Food, entertainment: $ 100.00
??Clothing, household expenses $
??Credit cards and other loans: $ 60.00
??Other expenses: $ 0
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
451816
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
|
Amount:
| $6,500.00 |
Prosper Rating:
| HR |
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:
| $294.03 |
| |
|
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:
| Feb-1991 |
Debt/Income ratio:
| Self-employed (DTI Not Calculated) |
|
Basic (1-10):
| 2 |
Inquiries last 6m:
| 0 | Employment status: | Self-employed |
| Enhanced (1-5): | 3 |
Current / open credit lines:
| 2
/
2 | Length of status: | 0y 6m |
|
Credit score:
| 660-679 (Mar-2010) |
Total credit lines:
| 13 |
Occupation: | Student - College S... |
|
Now delinquent:
| 1 |
Revolving credit balance:
| $2,461 | Stated income: | $1-$24,999 |
|
Amount delinquent:
| $1,660 |
Bankcard utilization:
| 82% | | |
|
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| No | | |
|
Delinquencies in last 7y:
| 5 | | | | |
|
Screen name:
| SimonHova |
Borrower's state:
| NewYork |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
| Loan history | Payment history | Credit score history |
|
Active / total loans:
| 0 / 1 |
On-time:
| 15 ( 100% )
| 660-679 (Latest)
|
|
Principal borrowed:
| $1,107.00 | < mo. late:
| 0
( 0% )
| 660-679
(Sep-2009)
640-659
(Nov-2007)
|
|
Principal balance:
| $0.00 |
1+ mo. late:
| 0
( 0% )
|
|
Total payments billed:
| 15 | | |
Description
Financing an Engagement Ring
Purpose of loan:
I need the money to purchase an engagement ring for my long time girlfriend. I previously applied for a loan for a trip to Disneyworld to get engaged, but I could not get enough interest in my listing and I eventually paid for the trip from my savings.
My financial situation:
I am finishing my final semester of college, and working a variety of computer consulting jobs on a W-2 basis. I have been working under contract in one firm, giving me a guaranteed income of $350 a week. My listed income of $16,265.56 is the income made in my first quarter multiplied by four. I have recently lined up three more excellent clients behind them, though I am still two or three weeks from finalizing a contract with them. Luckily, I have very little credit card debt, and very few expenses.
Right now, the only expenses I have are my Metrocard ($200/month) and gym membership ($9/month). My school is paid for with financial aid. My girlfriend pays for rent and all our other expenses.
The delinquency that is currently reported on my credit report is an old debt that was paid off over ten years ago. I have already have a court decision in hand dismissing it.
I've taken out two Prosper loans previously, and I have prepaid both of those loans. I intend to do the same with this one.
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
451822
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:
| E |
Auction Duration:
| 7 days
|
|
Term:
| 36 months |
Estimated loss:
| 14.7% | | |
| | | |
|
|
Starting lender yield:
| 34.00% |
Starting borrower rate/APR:
| 35.00% / 38.44% |
Starting monthly payment:
| $54.28 |
| |
|
Auction yield range:
| 14.04% - 34.00% |
Estimated loss impact:
| 16.27% | | |
|
Lender servicing fee:
| 1.00% |
Estimated return:
| 17.73% | | |
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented 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-2002 |
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:
| 13
/
8 | Length of status: | 0y 10m |
|
Credit score:
| 600-619 (Mar-2010) |
Total credit lines:
| 21 |
Occupation: | Food Service |
|
Now delinquent:
| 2 |
Revolving credit balance:
| $5,972 | Stated income: | $1-$24,999 |
|
Amount delinquent:
| $811 |
Bankcard utilization:
| 62% | | |
|
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| No | | |
|
Delinquencies in last 7y:
| 0 | | | | |
|
Screen name:
| jrcctexas25 |
Borrower's state:
| Wisconsin |
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:
| 23 ( 100% )
| 600-619 (Latest)
|
|
Principal borrowed:
| $2,000.00 | < mo. late:
| 0
( 0% )
| 540-559
(May-2008)
540-559
(Mar-2008)
540-559
(Feb-2008)
560-579
(Sep-2007)
|
|
Principal balance:
| $480.09 |
1+ mo. late:
| 0
( 0% )
|
|
Total payments billed:
| 23 | | |
Description
Child adoption, old payoff, tires
Purpose of loan:
Tires For our Car, Adoption of my stepchild, and old loan payoff, hopefully better interst rate if possible
My financial situation:
I am a good candidate for this loan because I am a hard working individual who is trying to find a better life I Need new tires for my car since the back ones are getting bad, I'm trying to adopt my child "stepchild" and want to pay off the other loan I took from prosper. to have only 1 loan.
Monthly net income: $? 2000-2500
Monthly expenses: $
??Housing: $? 545
??Insurance: $ 130
??Car expenses: $ 380
??Utilities: $? 0
??Phone, cable, internet: $? 145
??Food, entertainment: $? 75
??Clothing, household expenses $? 50
??Credit cards and other loans: $? 75
??Other expenses: $? 200 (Gas)
As you can see I have 400 to make my prosper loan with every month, I took a loan out with prosper a little over a year ago and pay on it currently I will not default on a loan from prosper if I have 2 I will find a second job once school is done
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
451834
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:
| 18.0% | | |
| | | |
|
|
Starting lender yield:
| 22.00% |
Starting borrower rate/APR:
| 23.00% / 25.28% |
Starting monthly payment:
| $193.55 |
| |
|
Auction yield range:
| 17.04% - 22.00% |
Estimated loss impact:
| 19.25% | | |
|
Lender servicing fee:
| 1.00% |
Estimated return:
| 2.75% | | |
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:
| May-1981 |
Debt/Income ratio:
| Self-employed (DTI Not Calculated) |
|
Basic (1-10):
| 5 |
Inquiries last 6m:
| 3 | Employment status: | Self-employed |
| Enhanced (1-5): | 1 |
Current / open credit lines:
| 27
/
23 | Length of status: | 3y 10m |
|
Credit score:
| 720-739 (Mar-2010) |
Total credit lines:
| 56 |
Occupation: | Other |
|
Now delinquent:
| 0 |
Revolving credit balance:
| $163,474 | Stated income: | $100,000+ |
|
Amount delinquent:
| $0 |
Bankcard utilization:
| 92% | | |
|
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| Yes | | |
|
Delinquencies in last 7y:
| 0 | | | | |
|
Screen name:
| base869 |
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
Paying back taxes to keep business
Purpose of loan:
This loan will be used to pay back taxes so I can get current and keep my business running without any issues.
My financial situation:
I am a good candidate for this loan because I always make sure I pay my bills on time. I need this to get caught up on past taxes and then I will be able to stop paying penalties and interest and have several ting which will be paid off in the next six months. I just recently acquired a new client that has dramatically increased my business volume and my receivables are the higherst they have been in a year. If my receivables would come in quicker I would not need this loan. All I needed was more time to get this situation straightened out but April 15th is fast approaching. Look at my credit history and I have been paying down almost all of my credit card without using them except for gas cards and Wal Mart. I have cut my expenses as much as I can to free up more money so I will be able to pay all of my obligations.
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
451846
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
|
Amount:
| $10,500.00 |
Prosper Rating:
| HR |
Auction Duration:
| 7 days
|
|
Term:
| 36 months |
Estimated loss:
| 25.0% | | |
| | | |
|
|
Starting lender yield:
| 22.00% |
Starting borrower rate/APR:
| 23.00% / 25.28% |
Starting monthly payment:
| $406.45 |
| |
|
Auction yield range:
| 17.04% - 22.00% |
Estimated loss impact:
| 26.25% | | |
|
Lender servicing fee:
| 1.00% |
Estimated return:
| -4.25% | | |
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented 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-1999 |
Debt/Income ratio:
| 29% |
|
Basic (1-10):
| 3 |
Inquiries last 6m:
| 0 | Employment status: | Full-time employee |
| Enhanced (1-5): | 4 |
Current / open credit lines:
| 9
/
8 | Length of status: | 11y 7m |
|
Credit score:
| 640-659 (Mar-2010) |
Total credit lines:
| 15 |
Occupation: | Other |
|
Now delinquent:
| 0 |
Revolving credit balance:
| $11,900 | Stated income: | $25,000-$49,999 |
|
Amount delinquent:
| $0 |
Bankcard utilization:
| 100% | | |
|
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| No | | |
|
Delinquencies in last 7y:
| 0 | | | | |
|
Screen name:
| self-reliant-repayment7 |
Borrower's state:
| Illinois |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Description
Done with the credit card companies
Purpose
of loan:
This loan will be used to pay off my credit card debt.? I am done with the
way a credit card company promise but don't fulfill on what they are
selling.? Then to add salt on the wound, hit you with fees because of
it.? I would rather pay interest to investors of Prosper and have individuals profit then continue
paying it the credit card companies.
My financial situation:
I am a good candidate for this loan because I have the monthly financial
backing and I pay my bills on time.? There have been a time or two that I
may have missed the due date due to my being busy with work and it slipping my
mind to post a payment (glad most have auto payment now), but it is resolved in
a manner of a day or two not weeks nor months later.? I also tend to pay
more than the required minimum as to try to get out of the rat race that I am
in.? I also shifted my expenses lately to help achieve my goal of paying
off the debt I incurred.
Monthly net income: $ 2300-2500
Monthly expenses: $ 1500
??Housing: $
200
??Insurance: $
50
??Car expenses: $ 100
??Utilities: $ 20
??Phone, cable, internet: $
80
??Food, entertainment: $
100
??Clothing, household expenses $
50
??Credit cards and other loans: $
850
??Other expenses: $
0
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
451852
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
|
Amount:
| $2,000.00 |
Prosper Rating:
| HR |
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:
| $90.47 |
| |
|
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-1990 |
Debt/Income ratio:
| 11% |
|
Basic (1-10):
| 3 |
Inquiries last 6m:
| 0 | Employment status: | Full-time employee |
| Enhanced (1-5): | 5 |
Current / open credit lines:
| 7
/
5 | Length of status: | 19y 8m |
|
Credit score:
| 740-759 (Mar-2010) |
Total credit lines:
| 32 |
Occupation: | Other |
|
Now delinquent:
| 1 |
Revolving credit balance:
| $727 | Stated income: | $50,000-$74,999 |
|
Amount delinquent:
| $9,967 |
Bankcard utilization:
| 98% | | |
|
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| Yes | | |
|
Delinquencies in last 7y:
| 11 | | | | |
|
Screen name:
| first-heroic-p2ploan |
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 Relief
Purpose of loan:
This loan will be used to provide debt relief and to allow me to be able to start saving again.
My financial situation:
I am a good candidate for this loan because I will and can?pay the loan back.? I have a few negative marks on my credit report due to the economy situation but?before then have always paid all my financial obligations with no problem.?I have paid off the previous debt and currently making payments on debts now.? I am working diligently, to bring my finances and credit rating back to good standing.
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
451870
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:
| D |
Auction Duration:
| 7 days
|
|
Term:
| 36 months |
Estimated loss:
| 10.0% | | |
| | | |
|
|
Starting lender yield:
| 24.49% |
Starting borrower rate/APR:
| 25.49% / 27.80% |
Starting monthly payment:
| $180.09 |
| |
|
Auction yield range:
| 11.04% - 24.49% |
Estimated loss impact:
| 10.60% | | |
|
Lender servicing fee:
| 1.00% |
Estimated return:
| 13.89% | | |
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-1992 |
Debt/Income ratio:
| 24% |
|
Basic (1-10):
| 8 |
Inquiries last 6m:
| 1 | Employment status: | Full-time employee |
| Enhanced (1-5): | 4 |
Current / open credit lines:
| 8
/
5 | Length of status: | 10y 4m |
|
Credit score:
| 680-699 (Mar-2010) |
Total credit lines:
| 27 |
Occupation: | Other |
|
Now delinquent:
| 0 |
Revolving credit balance:
| $2,236 | Stated income: | $50,000-$74,999 |
|
Amount delinquent:
| $0 |
Bankcard utilization:
| 55% | | |
|
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| Yes | | |
|
Delinquencies in last 7y:
| 0 | | | | |
|
Screen name:
| wonderous-bazaar |
Borrower's state:
| Texas |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
| Loan history | Payment history | Credit score history |
|
Active / total loans:
| 0 / 1 |
On-time:
| 0 ( 0% )
| 680-699 (Latest)
|
|
Principal borrowed:
| $3,000.00 | < mo. late:
| 0
( 0% )
| 740-759
(Aug-2009)
|
|
Principal balance:
| $0.00 |
1+ mo. late:
| 0
( 0% )
|
|
Total payments billed:
| 0 | | |
Description
Orthodontic work for twins
Purpose of loan:
This loan will be used to?
pay for orthodontic work for twins
My financial situation:
I am a good candidate for this loan because? I can easily make the monthly payments as the financing provided by the orthdontist is a much higher monthly payment due to a short payoff time.? In addition, we will receive a discount from the provider due to paying in full at this time.
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
451874
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
|
Amount:
| $15,000.00 |
Prosper Rating:
| C |
Auction Duration:
| 7 days
|
|
Term:
| 36 months |
Estimated loss:
| 8.5% | | |
| | | |
|
|
Starting lender yield:
| 8.04% |
Starting borrower rate/APR:
| 9.04% / 11.13% |
Starting monthly payment:
| $477.28 |
| |
|
Auction yield range:
| 8.04% - 8.04% |
Estimated loss impact:
| 8.66% | | |
|
Lender servicing fee:
| 1.00% |
Estimated return:
| -0.62% | | |
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:
| May-2000 |
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:
| 8
/
8 | Length of status: | 6y 7m |
|
Credit score:
| 780-799 (Mar-2010) |
Total credit lines:
| 18 |
Occupation: | Other |
|
Now delinquent:
| 0 |
Revolving credit balance:
| $5,339 | Stated income: | $50,000-$74,999 |
|
Amount delinquent:
| $0 |
Bankcard utilization:
| 45% | | |
|
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| Yes | | |
|
Delinquencies in last 7y:
| 0 | | | | |
|
Screen name:
| immaculate-exchange9 |
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
BUYING LAND
Purpose of loan:
This loan will be used to? buy land.
My financial situation:
I am a good candidate for this loan because? i never missed a payment on anything.
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
451876
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:
| 14.00% |
Starting borrower rate/APR:
| 15.00% / 18.67% |
Starting monthly payment:
| $34.67 |
| |
|
Auction yield range:
| 11.04% - 14.00% |
Estimated loss impact:
| 10.31% | | |
|
Lender servicing fee:
| 1.00% |
Estimated return:
| 3.69% | | |
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:
| Sep-2005 |
Debt/Income ratio:
| Self-employed (DTI Not Calculated) |
|
Basic (1-10):
| 7 |
Inquiries last 6m:
| 7 | Employment status: | Self-employed |
| Enhanced (1-5): | 2 |
Current / open credit lines:
| 7
/
7 | Length of status: | 1y 8m |
|
Credit score:
| 640-659 (Mar-2010) |
Total credit lines:
| 11 |
Occupation: | Analyst |
|
Now delinquent:
| 0 |
Revolving credit balance:
| $2,034 | Stated income: | $25,000-$49,999 |
|
Amount delinquent:
| $0 |
Bankcard utilization:
| 9% | | |
|
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| No | | |
|
Delinquencies in last 7y:
| 0 | | | | |
|
Screen name:
| best-credit-sushi |
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
Database Server Improvement
My situation:
I am currently a full time student at UC Berkeley also running a consulting business while school is not in session. I've just completed a major project and the new database that I've created is now running on a cloud computing infrastructure. I would now like to make a local server to backup the data in case of an emergency and am seeking for small financing. Instead of using my credit card, I would like to try out Prosper. I have been running my business for almost two years now with no delinquent payments in the past. I am also expecting to graduate this December.
Note: Equifax Credit Score 718 as of March 23, 2010
Monthly net income: $3100
Accounts Receivable (Net 45): $6625
Monthly expenses: $2091
??Housing: $431
??Insurance: $110
??Auto Loan: $300
??Utilities: $50
??Phone, cable, internet: $100
??Food, entertainment: $300
??Clothing, household expenses $150
??Credit cards: $500
??Student Loan: $150
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
451880
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:
| 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:
| 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-1993 |
Debt/Income ratio:
| 53% |
|
Basic (1-10):
| 5 |
Inquiries last 6m:
| 1 | Employment status: | Full-time employee |
| Enhanced (1-5): | 3 |
Current / open credit lines:
| 8
/
7 | Length of status: | 2y 0m |
|
Credit score:
| 680-699 (Mar-2010) |
Total credit lines:
| 52 |
Occupation: | Other |
|
Now delinquent:
| 0 |
Revolving credit balance:
| $9,386 | Stated income: | $50,000-$74,999 |
|
Amount delinquent:
| $0 |
Bankcard utilization:
| 93% | | |
|
Public records last 12m / 10y:
| 0/ 1 |
Homeownership:
| No | | |
|
Delinquencies in last 7y:
| 0 | | | | |
|
Screen name:
| worlds-best-affluence5 |
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
Working Capital
Purpose of loan:
This loan will be used to expand the business.
My financial situation:
I am a good candidate for this loan because I pay my bills on time.?
Monthly net income: $
Monthly expenses: $
??Housing: $1200
??Insurance: $
??Car expenses: $
??Utilities: $ 100
??Phone, cable, internet: $ 100
??Food, entertainment: $ 200
??Clothing, household expenses $
??Credit cards and other loans: $ 317
??Other expenses: $
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
451886
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:
| 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:
| 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:
| Mar-1987 |
Debt/Income ratio:
| 67% |
|
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:
| 56 ( 100% )
| 640-659 (Latest)
|
|
Principal borrowed:
| $15,500.00 | < mo. late:
| 0
( 0% )
| 660-679
(Jan-2008)
700-719
(Mar-2007)
|
|
Principal balance:
| $3,021.61 |
1+ mo. late:
| 0
( 0% )
|
|
Total payments billed:
| 56 | | |
Description
Business--I Won't Give Up!
Purpose of loan:
This loan will be used to?seperate my current?business debt away from my personal debt.? I have had many Prosper Investors that have had faith in me and they funded my previous loans, and I have never disappointed them, and I won't disappoint you.
My financial situation:
I am a good candidate for this loan because my husband and I have ample income to make the monthly payments.? I have had two previous Prosper Loans, and I love the ACH payments.? One less thing I have to worry about.? I have been operating a small restaurant, tavern and motel for over a year.? This business needed a lot of TLC and inventory/supplies to become a self supporting venture.? Unfortunately, I had to use my personal credit in order to obtain this goal, therefore a drop in my personal credit score.? I wish to pay off these outstanding debts and obtain business credit.? This business grosses $12,000.00-14,500.00 per month.? I am paid a salary of $2,000.00 per month and my husband (contractor/drywall) makes $2,800-4,200.00 per month.? My mortgage company has me listed as being delinquent, which is not true.? I have been "working" with them to get this cleared up.? I can and will prove to you that this account is current.? My have an Experian Score of 684 and I do not understand Prosper's grade of HR.? I have never failed to make my Prosper payments or any other for that matter.? I wish to thank you in advance for your kind and careful consideration.
Monthly net income: $4,800.00?Husband and I?
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--We eat at?our 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
451898
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:
| Jun-2003 |
Debt/Income ratio:
| 5% |
|
Basic (1-10):
| 10 |
Inquiries last 6m:
| 1 | Employment status: | Full-time employee |
| Enhanced (1-5): | 5 |
Current / open credit lines:
| 15
/
15 | Length of status: | 1y 9m |
|
Credit score:
| 740-759 (Mar-2010) |
Total credit lines:
| 18 |
Occupation: | Analyst |
|
Now delinquent:
| 0 |
Revolving credit balance:
| $1,303 | Stated income: | $75,000-$99,999 |
|
Amount delinquent:
| $0 |
Bankcard utilization:
| 5% | | |
|
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| No | | |
|
Delinquencies in last 7y:
| 0 | | | | |
|
Screen name:
| a-visionary-cash |
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
Reinvesting In Prosper Loans
Purpose of loan:
This loan will be used to? Reinvest in prosper loans
My financial situation:
I am a good candidate for this loan because? I have enough cash on hand to cover the loans that I'll be making if they all go south, which is unlikely as my strategy is diversification based. I am very responsible with my finances. My main expense is rent and some student loans. I have $24,000 in my 401k that I can have access to as well. I am starting small in order to test out this strategy.
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
451904
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:
| A |
Auction Duration:
| 7 days
|
|
Term:
| 36 months |
Estimated loss:
| 2.1% | | |
| | | |
|
|
Starting lender yield:
| 7.31% |
Starting borrower rate/APR:
| 8.31% / 11.84% |
Starting monthly payment:
| $31.48 |
| |
|
Auction yield range:
| 4.04% - 7.31% |
Estimated loss impact:
| 2.11% | | |
|
Lender servicing fee:
| 1.00% |
Estimated return:
| 5.20% | | |
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented 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-2001 |
Debt/Income ratio:
| 52% |
|
Basic (1-10):
| 10 |
Inquiries last 6m:
| 0 | Employment status: | Part-time employee |
| Enhanced (1-5): | 5 |
Current / open credit lines:
| 5
/
5 | Length of status: | 2y 7m |
|
Credit score:
| 720-739 (Mar-2010) |
Total credit lines:
| 24 |
Occupation: | Other |
|
Now delinquent:
| 0 |
Revolving credit balance:
| $5,670 | Stated income: | $1-$24,999 |
|
Amount delinquent:
| $0 |
Bankcard utilization:
| 43% | | |
|
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| No | | |
|
Delinquencies in last 7y:
| 0 | | | | |
|
Screen name:
| point-viola |
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
Re-Siding Garage to List Home 4Sale
Purpose of loan:
We are selling our home in the Spring and we have one last home improvement project: residing the garage.? I have interviewed several contractors and have found 1 who will do it, including the three windows that need replacing, for $1300.? We can then list and ready the house for sale and reinvest in a home downtown.
My financial situation:
I am a good candidate for this loan because I pay all of my bills on time, am working extraordinarily hard to save money for the new house and am finishing my Masters degree in May!
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
451910
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:
| $12,200.00 |
Prosper Rating:
| HR |
Auction Duration:
| 7 days
|
|
Term:
| 36 months |
Estimated loss:
| 18.0% | | |
| | | |
|
|
Starting lender yield:
| 28.00% |
Starting borrower rate/APR:
| 29.00% / 31.36% |
Starting monthly payment:
| $511.25 |
| |
|
Auction yield range:
| 17.04% - 28.00% |
Estimated loss impact:
| 19.63% | | |
|
Lender servicing fee:
| 1.00% |
Estimated return:
| 8.37% | | |
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented 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-1996 |
Debt/Income ratio:
| 36% |
|
Basic (1-10):
| 5 |
Inquiries last 6m:
| 0 | Employment status: | Full-time employee |
| Enhanced (1-5): | 4 |
Current / open credit lines:
| 12
/
12 | Length of status: | 4y 5m |
|
Credit score:
| 760-779 (Mar-2010) |
Total credit lines:
| 34 |
Occupation: | Pharmacist |
|
Now delinquent:
| 0 |
Revolving credit balance:
| $2,273 | Stated income: | $25,000-$49,999 |
|
Amount delinquent:
| $0 |
Bankcard utilization:
| 69% | | |
|
Public records last 12m / 10y:
| 0/ 2 |
Homeownership:
| Yes | | |
|
Delinquencies in last 7y:
| 0 | | | | |
|
Screen name:
| thrilling-deal1 |
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 creict cards american ge
Purpose of loan:
This loan will be used to? Pay off personal debt and reduce cash outlay of over two hundred dollars a month. American general?and cards at high rate.? Putting credit cards in sock and freezer.
My financial situation:
I am a good candidate for this loan because? I have had this job for almost five years and will work til I am at least 70. Will us extra cash to start building some reserves and spend some on grandkids. Thank you in advance for any consideration on this loan. Call me if you have any questions.
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
451922
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:
| $8,500.00 |
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:
| $384.51 |
| |
|
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-1986 |
Debt/Income ratio:
| 17% |
|
Basic (1-10):
| 5 |
Inquiries last 6m:
| 0 | Employment status: | Full-time employee |
| Enhanced (1-5): | 5 |
Current / open credit lines:
| 14
/
13 | Length of status: | 22y 5m |
|
Credit score:
| 700-719 (Mar-2010) |
Total credit lines:
| 40 |
Occupation: | Professional |
|
Now delinquent:
| 0 |
Revolving credit balance:
| $17,785 | Stated income: | $75,000-$99,999 |
|
Amount delinquent:
| $0 |
Bankcard utilization:
| 96% | | |
|
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| Yes | | |
|
Delinquencies in last 7y:
| 0 | | | | |
|
Screen name:
| hunney1021 |
Borrower's state:
| Delaware |
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 several high interest rate loans that I had to acquire as?my inlaws had to move? in with us and we had to install?a bathroom and close off a room.?
My financial situation:
I am a good candidate for this loan because I always pay my bills and need to lower my payments. I have been employeed by the same company for over 21 years and will have the loan payments automatically deducted from my checking account.
Monthly net income: $ 6200.00
Monthly expenses: $
??Housing: $ 2100.00
??Insurance: $ 148.00
??Car expenses: $ 400.00
??Utilities: $ 375.00
??Phone, cable, internet: $ 175.00
??Food, entertainment: $ 700.00
??Clothing, household expenses $ 200.00
??Credit cards and other loans: $ 600.00
??Other expenses: $
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
451934
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:
| Nov-1999 |
Debt/Income ratio:
| 88% |
|
Basic (1-10):
| 5 |
Inquiries last 6m:
| 2 | Employment status: | Full-time employee |
| Enhanced (1-5): | 3 |
Current / open credit lines:
| 11
/
8 | Length of status: | 9y 0m |
|
Credit score:
| 640-659 (Mar-2010) |
Total credit lines:
| 29 |
Occupation: | Military Enlisted |
|
Now delinquent:
| 0 |
Revolving credit balance:
| $13,475 | Stated income: | $25,000-$49,999 |
|
Amount delinquent:
| $0 |
Bankcard utilization:
| 95% | | |
|
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| No | | |
|
Delinquencies in last 7y:
| 16 | | | | |
|
Screen name:
| brightest-glimmering-point |
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
car repairs
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
451940
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:
| 30.22% |
Starting borrower rate/APR:
| 31.22% / 33.62% |
Starting monthly payment:
| $301.86 |
| |
|
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:
| Mar-2004 |
Debt/Income ratio:
| 42% |
|
Basic (1-10):
| 6 |
Inquiries last 6m:
| 1 | Employment status: | Full-time employee |
| Enhanced (1-5): | 3 |
Current / open credit lines:
| 6
/
4 | Length of status: | 3y 7m |
|
Credit score:
| 720-739 (Mar-2010) |
Total credit lines:
| 16 |
Occupation: | Other |
|
Now delinquent:
| 0 |
Revolving credit balance:
| $2,603 | Stated income: | $1-$24,999 |
|
Amount delinquent:
| $0 |
Bankcard utilization:
| 28% | | |
|
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| No | | |
|
Delinquencies in last 7y:
| 0 | | | | |
|
Screen name:
| audiquattro |
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
Need Money To Start eBay Business
Purpose of Loan:
My plan is to sell brand new electronics (with factory warranty) on eBay. I already have experience selling on eBay, as well as shipping products in large quantities. I currently work in the shipping department at a local pharmacy, and I also manage the file room as well. I will be using the money for purchasing inventory. My wholesaler has prices that varies month to month. I want to take advantage of these prices while they are low, and make a good profit. Currently, I'm in the process of applying for my auctioneers license and business license as well.
My Financial Situation:
For piece of mind, I will let all of you know that I'm in my final year of a debt management program. I enrolled four and a half years ago to pay off several credit cards. As of Monday March 29th , I'll have $1,924 total debt remaining.
Hopefully I've revealed my honesty, and how committed I am to the task at hand, and I hope you all have enough faith to invest in me, regardless of my prosper rating.
Thank You
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
451952
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:
| Sep-1992 |
Debt/Income ratio:
| 11% |
|
Basic (1-10):
| 4 |
Inquiries last 6m:
| 5 | Employment status: | Full-time employee |
| Enhanced (1-5): | 2 |
Current / open credit lines:
| 13
/
11 | Length of status: | 1y 0m |
|
Credit score:
| 760-779 (Mar-2010) |
Total credit lines:
| 29 |
Occupation: | Computer Programmer |
|
Now delinquent:
| 0 |
Revolving credit balance:
| $139,878 | Stated income: | $100,000+ |
|
Amount delinquent:
| $0 |
Bankcard utilization:
| 78% | | |
|
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| Yes | | |
|
Delinquencies in last 7y:
| 0 | | | | |
|
Screen name:
| systematic-justice2 |
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
In the middle of moving back home
Purpose of loan:
This loan will be used to pay my moving expenses
My financial situation:
I am a good candidate for this loan because my financial situation is very healthy overall and I have a short term need. I was given the opportunity to move back to AZ which was huge for my family after four years of corporate relocation in FL. I will easily be able to make the payments for this loan as my monthly expenses are going down but I need a bridge loan to make things stable. My parents will provide it if needed but I haven't taken a dime from them since I was 18 and I'm much better off than they are so I would hate to go that way unless I didn't have a choice. Any help here is greatly appreciated as the move was more costly than we hoped.
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
451958
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:
| 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:
| 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-1998 |
Debt/Income ratio:
| 26% |
|
Basic (1-10):
| 4 |
Inquiries last 6m:
| 0 | Employment status: | Full-time employee |
| Enhanced (1-5): | 4 |
Current / open credit lines:
| 4
/
4 | Length of status: | 0y 1m |
|
Credit score:
| 740-759 (Mar-2010) |
Total credit lines:
| 11 |
Occupation: | Clerical |
|
Now delinquent:
| 1 |
Revolving credit balance:
| $179 | Stated income: | $25,000-$49,999 |
|
Amount delinquent:
| $0 |
Bankcard utilization:
| 23% | | |
|
Public records last 12m / 10y:
| 0/ 2 |
Homeownership:
| No | | |
|
Delinquencies in last 7y:
| 0 | | | | |
|
Screen name:
| ethical-value5 |
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
Trying to pay for/finish college
Purpose of loan:
This loan will be used to?
finish my degree. I had to drop out years ago for financial reasons. I've reapplied, but can not be registered til I pay what was owed in previous semesters. I have applied for financial aid and qualify, so I just needs the funds to clear my arrears and be able to register
My financial situation:
I am a good candidate for this loan because?I have just started a new, decent-paying job and payed off all my other outstanding debts.
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
451988
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:
| 29.00% |
Starting borrower rate/APR:
| 30.00% / 32.38% |
Starting monthly payment:
| $424.52 |
| |
|
Auction yield range:
| 11.04% - 29.00% |
Estimated loss impact:
| 10.73% | | |
|
Lender servicing fee:
| 1.00% |
Estimated return:
| 18.27% | | |
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-1992 |
Debt/Income ratio:
| 23% |
|
Basic (1-10):
| 6 |
Inquiries last 6m:
| 3 | Employment status: | Part-time employee |
| Enhanced (1-5): | 4 |
Current / open credit lines:
| 16
/
13 | Length of status: | 15y 8m |
|
Credit score:
| 720-739 (Mar-2010) |
Total credit lines:
| 47 |
Occupation: | Military Officer |
|
Now delinquent:
| 0 |
Revolving credit balance:
| $6,010 | Stated income: | $75,000-$99,999 |
|
Amount delinquent:
| $0 |
Bankcard utilization:
| 24% | | |
|
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| Yes | | |
|
Delinquencies in last 7y:
| 2 | | | | |
|
Screen name:
| Saminole |
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
Coffee Shop by a Veteran
Purpose of loan:
This loan will be used to help with the start up of a coffee shop in a downtown condo.? The property is at full capacity with a waiting list.? A full detailed business plan with a 3 year proforma is available.? The SBA/VA is currently offering 85% guarantee on a bank loan and I want to strengthen my contribution and have a little more leverage in operating overhead.?
My financial situation:
Why take the chance on me? ? I have been a Marine for or 15 years and the Marine Corps has given me some of the best management training in the world. Additionally I have an economics background, restaurant experience and a strong credit history.? Finally? I have transitioned from active duty to reserve status to start up and run the shop full time.? In a worst case scenario, I have the security of? returning to my full time job at the same salary (~98k/yr).?
The prosper rating on this loan is a 4 out of 5.?
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
452006
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
|
Amount:
| $3,500.00 |
Prosper Rating:
| D |
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:
| $143.60 |
| |
|
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:
| Oct-1986 |
Debt/Income ratio:
| 6% |
|
Basic (1-10):
| 7 |
Inquiries last 6m:
| 0 | Employment status: | Full-time employee |
| Enhanced (1-5): | 5 |
Current / open credit lines:
| 2
/
2 | Length of status: | 3y 10m |
|
Credit score:
| 660-679 (Mar-2010) |
Total credit lines:
| 8 |
Occupation: | Professional |
|
Now delinquent:
| 0 |
Revolving credit balance:
| $1,453 | Stated income: | $25,000-$49,999 |
|
Amount delinquent:
| $0 |
Bankcard utilization:
| 69% | | |
|
Public records last 12m / 10y:
| 0/ 1 |
Homeownership:
| No | | |
|
Delinquencies in last 7y:
| 0 | | | | |
|
Screen name:
| top-asset-berserker |
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
Car Repair & Marriage Expenses
Purpose of loan:
I need a main seal replaced on my older model car (its paid for!)? and I have some marriage expenses that need taken care of as well.
My financial situation:
I am a good candidate for this loan because??
I have a solid employment record and only 2 lines of current credit (very small lines)? I can have this paid back in as little as a year, but would prefer to do it in 2.
Monthly net income: $
$2400
Monthly expenses: $
??Housing: $
800
??Insurance: $
230
??Car expenses: $
<$50 I live within 2 miles of work
??Utilities: $
150
??Phone, cable, internet: $
400 (phone rest included in rent)
??Food, entertainment: $ 300
??Clothing, household expenses $
40
??Credit cards and other loans: $
75
??Other expenses: $ 80
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
449767
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:
| 17.04% |
Starting borrower rate/APR:
| 18.04% / 20.25% |
Starting monthly payment:
| $108.52 |
| |
|
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-1996 |
Debt/Income ratio:
| 6% |
|
Basic (1-10):
| 5 |
Inquiries last 6m:
| 0 | Employment status: | Full-time employee |
| Enhanced (1-5): | 5 |
Current / open credit lines:
| 3
/
3 | Length of status: | 3y 0m |
|
Credit score:
| 640-659 (Mar-2010) |
Total credit lines:
| 14 |
Occupation: | Analyst |
|
Now delinquent:
| 3 |
Revolving credit balance:
| $9 | Stated income: | $25,000-$49,999 |
|
Amount delinquent:
| $102 |
Bankcard utilization:
| 3% | | |
|
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| No | | |
|
Delinquencies in last 7y:
| 8 | | | | |
|
Screen name:
| kind-benefit-sleuth |
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
Startup Money for Small Business
Purpose of loan:
This loan will be used to fund the start-up costs for two projects:
Part of the money will be used to pay a web designer / programmer for a product website. The other part will be used to pay publishing fees for a book I've been working on for the past two years.
My financial situation:
As a college student, I learned (the hard way) the value of good credit.? I have since worked hard at increasing and rebuilding my credit.? The fact that I am able to qualify for this loan today is a testament to the dedication and time I've put into my credit.? Being able to qualify for a loan is something that I didn't think would ever happen to me after I finished college.? Yet, here I am qualifying for a loan and also getting pre-approved for home buying mortgages. ?
I am a good candidate for this loan because I do not like being in debt.? I've worked hard at rebuilding my credit, and I want to continue to pay all of my bills on time. ? Although I do not have the start-up capital for these projects, I will be able to pay this loan off whether or not my projects perform well.?
Monthly net income: $ 3,000
Monthly expenses: $ 2,000
??Housing: $ 630
??Insurance: $ 90
??Car expenses: $ 375
??Utilities: $ 150
??Phone, cable, internet: $ 150
??Food, entertainment: $ 100
??Clothing, household expenses $ 50
??Credit cards and other loans: $ 200
??Other expenses: $ 255
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
450301
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
|
Amount:
| $9,500.00 |
Prosper Rating:
| HR |
Auction Duration:
| 7 days
|
|
Term:
| 36 months |
Estimated loss:
| 34.5% | | |
| | | |
|
|
Starting lender yield:
| 28.35% |
Starting borrower rate/APR:
| 29.35% / 31.72% |
Starting monthly payment:
| $399.92 |
| |
|
Auction yield range:
| 17.04% - 28.35% |
Estimated loss impact:
| 36.15% | | |
|
Lender servicing fee:
| 1.00% |
Estimated return:
| -7.80% | | |
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-1999 |
Debt/Income ratio:
| 28% |
|
Basic (1-10):
| 1 |
Inquiries last 6m:
| 3 | Employment status: | Full-time employee |
| Enhanced (1-5): | 1 |
Current / open credit lines:
| 5
/
5 | Length of status: | 6y 2m |
|
Credit score:
| 640-659 (Mar-2010) |
Total credit lines:
| 20 |
Occupation: | Laborer |
|
Now delinquent:
| 1 |
Revolving credit balance:
| $3,083 | Stated income: | $25,000-$49,999 |
|
Amount delinquent:
| $10,861 |
Bankcard utilization:
| 88% | | |
|
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| Yes | | |
|
Delinquencies in last 7y:
| 6 | | | | |
|
Screen name:
| ScreenNY |
Borrower's state:
| NewYork |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
| Loan history | Payment history | Credit score history |
|
Active / total loans:
| 1 / 1 |
On-time:
| 20 ( 100% )
| 640-659 (Latest)
|
|
Principal borrowed:
| $1,500.00 | < mo. late:
| 0
( 0% )
| 640-659
(Jul-2008)
|
|
Principal balance:
| $753.86 |
1+ mo. late:
| 0
( 0% )
|
|
Total payments billed:
| 20 | | |
Description
Paying off my credit cards
Purpose of loan:
This loan will be used to pay off previous debts from various locations and put them into one bill. It will also give me peace of mind know that my income will not be adjusted based on other debts.? All of my credit cards and my other Prosper loan will be paid with this money.
My financial situation:
I am a good candidate for this loan because I have a steady income and my wife does also.?
Monthly net income: $ 2600
Monthly expenses: $ 1680
??Housing: $
450
??Insurance: $
100
??Car expenses: $
300
??Utilities: $
225
??Phone, cable, internet: $
65
??Food, entertainment: $ 300
??Clothing, household expenses $
100
??Credit cards and other loans: $ 150
??Other expenses: $ 0
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
451689
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:
| A |
Auction Duration:
| 7 days
|
|
Term:
| 36 months |
Estimated loss:
| 2.1% | | |
| | | |
|
|
Starting lender yield:
| 11.00% |
Starting borrower rate/APR:
| 12.00% / 14.13% |
Starting monthly payment:
| $398.57 |
| |
|
Auction yield range:
| 4.04% - 11.00% |
Estimated loss impact:
| 2.14% | | |
|
Lender servicing fee:
| 1.00% |
Estimated return:
| 8.86% | | |
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:
| 20% |
|
Basic (1-10):
| 9 |
Inquiries last 6m:
| 0 | Employment status: | Full-time employee |
| Enhanced (1-5): | 5 |
Current / open credit lines:
| 15
/
12 | Length of status: | 7y 4m |
|
Credit score:
| 720-739 (Mar-2010) |
Total credit lines:
| 31 |
Occupation: | Computer Programmer |
|
Now delinquent:
| 0 |
Revolving credit balance:
| $21,379 | Stated income: | $75,000-$99,999 |
|
Amount delinquent:
| $0 |
Bankcard utilization:
| 35% | | |
|
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| No | | |
|
Delinquencies in last 7y:
| 0 | | | | |
|
Screen name:
| leverage-reaction |
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
PayOff ridiculous rate credit cards
Purpose of loan:
This loan will be used to pay off my credit card debt (debt consolidation)
My financial situation:
I am a good candidate for this loan because, I have a regular and stable income. I have held down the same job for 8 years and I have extra income as well (which cannot be documented right now). My main problem is the Credit card companies jacking up the rates to 29.99% for NO reason. I have never been late on any payment ever. Me and my family do not overspend and live modestly. I just don't want to pay the credit card companies these exorbitant rates of interest and want to pay them off as quickly as I can.
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
451695
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:
| B |
Auction Duration:
| 7 days
|
|
Term:
| 36 months |
Estimated loss:
| 5.0% | | |
| | | |
|
|
Starting lender yield:
| 7.00% |
Starting borrower rate/APR:
| 8.00% / 10.08% |
Starting monthly payment:
| $62.67 |
| |
|
Auction yield range:
| 6.04% - 7.00% |
Estimated loss impact:
| 5.10% | | |
|
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:
| Dec-1988 |
Debt/Income ratio:
| Not calculated |
|
Basic (1-10):
| 8 |
Inquiries last 6m:
| 3 | Employment status: | Retired |
| Enhanced (1-5): | 3 |
Current / open credit lines:
| 7
/
7 | Length of status: | 6y 11m |
|
Credit score:
| 720-739 (Mar-2010) |
Total credit lines:
| 25 | Stated income: | $25,000-$49,999 |
|
Now delinquent:
| 0 |
Revolving credit balance:
| $4,331 | |
|
Amount delinquent:
| $0 |
Bankcard utilization:
| 15% | | |
|
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| No | | |
|
Delinquencies in last 7y:
| 0 | | | | |
|
Screen name:
| justice-collector |
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
Supplies for my cleaning business
Purpose of loan:
This loan will be used to buy supplies for my small cleaning business. I could just but it on my charge card and pay it off at the end of the month, but I wanted to try Prosper to see how it works. I may be a lender in the future.
My financial situation:
I am a good candidate for this loan because?1. I have a good credit rating and I can pay this off at anytime. 2. I?have no house payments, I?am retired and have this small cleaning bussiness on the side.
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
451701
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
|
Amount:
| $9,000.00 |
Prosper Rating:
| D |
Auction Duration:
| 7 days
|
|
Term:
| 36 months |
Estimated loss:
| 10.0% | | |
| | | |
|
|
Starting lender yield:
| 31.00% |
Starting borrower rate/APR:
| 32.00% / 34.41% |
Starting monthly payment:
| $391.99 |
| |
|
Auction yield range:
| 11.04% - 31.00% |
Estimated loss impact:
| 10.78% | | |
|
Lender servicing fee:
| 1.00% |
Estimated return:
| 20.22% | | |
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented 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-2003 |
Debt/Income ratio:
| 48% |
|
Basic (1-10):
| 7 |
Inquiries last 6m:
| 0 | Employment status: | Full-time employee |
| Enhanced (1-5): | 5 |
Current / open credit lines:
| 11
/
10 | Length of status: | 6y 6m |
|
Credit score:
| 700-719 (Mar-2010) |
Total credit lines:
| 22 |
Occupation: | Other |
|
Now delinquent:
| 0 |
Revolving credit balance:
| $9,116 | Stated income: | $25,000-$49,999 |
|
Amount delinquent:
| $0 |
Bankcard utilization:
| 45% | | |
|
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| Yes | | |
|
Delinquencies in last 7y:
| 1 | | | | |
|
Screen name:
| luke0000 |
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.
Prosper Activity
| Loan history | Payment history | Credit score history |
|
Active / total loans:
| 1 / 2 |
On-time:
| 38 ( 100% )
| 700-719 (Latest)
|
|
Principal borrowed:
| $18,000.00 | < mo. late:
| 0
( 0% )
| 740-759
(Aug-2008)
760-779
(Apr-2007)
|
|
Principal balance:
| $5,466.53 |
1+ mo. late:
| 0
( 0% )
|
|
Total payments billed:
| 38 | | |
Description
Updating my Home/No Late Payments
Description:
I am currentley employed full time with a Casino, I have been employed full time with the same employer for the last 6 1/2 years. My wife is also employed full time as a teacher and has been with the same employer for the last 4 yrs. My debt to income ratio has went up a little?because I co-singed a credit card for my sister so she could finish college because she was unable to obtain a loan herself. ?
Purpose of loan:
I will be using the loan to?finish updating my kitchen (counter tops, floor, and appliance's)?which I was not able to completly finish with the previous loan, and add on a baby nursery (building from scratch) because we had a new addition to our family.
My financial situation:
I have been employed full time with the same employer for about?6 1/2?years and make approximatley $2300.00 monthly. My wife is a teacher and makes approximatly $3000.00 monthly which is not calculated into my anuual income as per prosper requires you to put only your own income. I currently have one existing loan through prosper which I have never made a late payment on and I had a previous loan through prosper which I also never made a late payment on. This will be my third loan through prosper.
Monthly expenses: $
??Housing: $ 750.00 ????
??Insurance: $ 135.00
??Car expenses: $ 200.00 (gas) We do not have a car payment
??Utilities: $ 100.00 for electric, we do not have a water or gas bill. We have our own well and we use propane which was filled a couple of months ago.
??Phone, cable, internet: $ 100.00 I do not have cable or satellite
??Food, entertainment: $ 300.00
??Credit cards and other loans: $ 150.00
With my expenses, I will be left with $565.00 a month to pay on this prosper loan which does not include my wifes income. With my wifes income I can clearly? make the payment. I have been a borrower through prosper since 2007 and have never made one late payment. I am relisting this loan at a higher percentage rate in hopes that my spotless payment record will be taken into consideration.
I would like to thank everyone who is taking time out of their day to read my listing..
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
451719
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:
| Mar-2009 |
Debt/Income ratio:
| Not calculated |
|
Basic (1-10):
| 7 |
Inquiries last 6m:
| 0 | Employment status: | Not employed |
| Enhanced (1-5): | 3 |
Current / open credit lines:
| 2
/
2 | Length of status: | 0y 2m |
|
Credit score:
| 640-659 (Mar-2010) |
Total credit lines:
| 2 | 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:
| ingenious-camaraderi2 |
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
I need a Car so I can start work
Purpose of loan:
This loan will be used to?
Purchase a car for use to go back and forth to work
My financial situation:Have money saved up for emergencies
I am a good candidate for this loan because?
I am an honest and professional worker. I am a US Army Veteran. I plan to pay this loan off as soon as possible
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
451725
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
|
Amount:
| $9,000.00 |
Prosper Rating:
| D |
Auction Duration:
| 7 days
|
|
Term:
| 36 months |
Estimated loss:
| 10.0% | | |
| | | |
|
|
Starting lender yield:
| 11.04% |
Starting borrower rate/APR:
| 12.04% / 14.17% |
Starting monthly payment:
| $299.10 |
| |
|
Auction yield range:
| 11.04% - 11.04% |
Estimated loss impact:
| 10.23% | | |
|
Lender servicing fee:
| 1.00% |
Estimated return:
| 0.81% | | |
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:
| Mar-1993 |
Debt/Income ratio:
| Self-employed (DTI Not Calculated) |
|
Basic (1-10):
| 6 |
Inquiries last 6m:
| 1 | Employment status: | Self-employed |
| Enhanced (1-5): | 4 |
Current / open credit lines:
| 16
/
14 | Length of status: | 23y 11m |
|
Credit score:
| 740-759 (Mar-2010) |
Total credit lines:
| 37 |
Occupation: | Other |
|
Now delinquent:
| 0 |
Revolving credit balance:
| $21,836 | Stated income: | $50,000-$74,999 |
|
Amount delinquent:
| $0 |
Bankcard utilization:
| 33% | | |
|
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| Yes | | |
|
Delinquencies in last 7y:
| 0 | | | | |
|
Screen name:
| credit-mangrove7 |
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
clear and free
Purpose of loan:
This loan will be used to?
My financial situation:
I am a good candidate for this loan because?
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
451743
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:
| 1.5% | | |
| | | |
|
|
Starting lender yield:
| 7.48% |
Starting borrower rate/APR:
| 8.48% / 8.82% |
Starting monthly payment:
| $189.35 |
| |
|
Auction yield range:
| 3.04% - 7.48% |
Estimated loss impact:
| 1.50% | | |
|
Lender servicing fee:
| 1.00% |
Estimated return:
| 5.98% | | |
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:
| Jul-2001 |
Debt/Income ratio:
| 8% |
|
Basic (1-10):
| 9 |
Inquiries last 6m:
| 0 | Employment status: | Full-time employee |
| Enhanced (1-5): | 5 |
Current / open credit lines:
| 10
/
9 | Length of status: | 1y 2m |
|
Credit score:
| 820-839 (Mar-2010) |
Total credit lines:
| 16 |
Occupation: | Computer Programmer |
|
Now delinquent:
| 0 |
Revolving credit balance:
| $3,388 | Stated income: | $100,000+ |
|
Amount delinquent:
| $0 |
Bankcard utilization:
| 15% | | |
|
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| Yes | | |
|
Delinquencies in last 7y:
| 0 | | | | |
|
Screen name:
| commitment-venus8 |
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
Family Time
Purpose of loan:
My wife and I have?been very busy with careers and such for the past 10 years. Now that our kids are school age, we've been?trying to find ways to do more things together as a family and enjoy some time together. We've been looking at used motorhomes with the idea that we'd like to start doing some weekend trips and exploring the area a bit more. We've found that it's possible to get a smaller motorhome that's in incredible shape for less than $10,000.?
My financial situation:
I feel?that we are quite responsible financially. My income is substantial, but we don't have a lot of credit card debt, we have a modest house, and our cars are modest. We also have a strong credit score and a good track record of paying?off our debts. For example, in the past couple of years we've borrowed to build a new fence after a tornado hit the neighborhood, and borrowed so that I could get Lasik surgery.?In both cases, we paid off the debts long before they were due. At the moment, although my income is good,?my wife is currently in school to get her nursing degree. She has another?year to go at which point she will be an RN. Along with my 10 years experience as a software developer, I think we are in really good shape in terms of future employment and income. Since my wife is currently in school and not bringing in income, we'd like to borrow a small amount to buy the motorhome we're looking at.
Thanks for your consideration!
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
451761
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:
| $19,526.00 |
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:
| $792.55 |
| |
|
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:
| Nov-1983 |
Debt/Income ratio:
| 38% |
|
Basic (1-10):
| 5 |
Inquiries last 6m:
| 0 | Employment status: | Full-time employee |
| Enhanced (1-5): | 5 |
Current / open credit lines:
| 8
/
8 | Length of status: | 29y 6m |
|
Credit score:
| 760-779 (Mar-2010) |
Total credit lines:
| 28 |
Occupation: | Teacher |
|
Now delinquent:
| 0 |
Revolving credit balance:
| $12,716 | Stated income: | $50,000-$74,999 |
|
Amount delinquent:
| $0 |
Bankcard utilization:
| 74% | | |
|
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| Yes | | |
|
Delinquencies in last 7y:
| 0 | | | | |
|
Screen name:
| social-excellence2 |
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
pre retirement debt consolidation
This loan will be used to consolidate credit debt payments and reduce overall interest rates. We want to pay this debt off in the next year and a half or so to allow us a better monthly cashflow in retirement. Thanks for considering our request.
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
451773
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:
| Apr-2001 |
Debt/Income ratio:
| 12% |
|
Basic (1-10):
| 9 |
Inquiries last 6m:
| 0 | Employment status: | Full-time employee |
| Enhanced (1-5): | 5 |
Current / open credit lines:
| 10
/
10 | Length of status: | 1y 4m |
|
Credit score:
| 820-839 (Mar-2010) |
Total credit lines:
| 21 |
Occupation: | Retail Management |
|
Now delinquent:
| 0 |
Revolving credit balance:
| $6,343 | Stated income: | $25,000-$49,999 |
|
Amount delinquent:
| $0 |
Bankcard utilization:
| 17% | | |
|
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| Yes | | |
|
Delinquencies in last 7y:
| 0 | | | | |
|
Screen name:
| DreamIsReal |
Borrower's state:
| Illinois |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Description
Pay off credit cards once for all
Purpose of loan:
Eliminate high interest rate credit cards and lower my overall debt.
My financial situation:
My credit card debt came about in college years plus an engagement ring!
I have been a responsible user but some expenses need to be financed and if you are an independent young man with
limited income, although working full time and going to school full time, you unfortunately end up with some debt.
I have been working for Fifth Third Bank for about 15 months. I was working for Guaranty Bank for 5 years prior to that.
I have not been unemployed, thank god, throughout my work history and bills have all been paid on time.
Thank you for your time and attention.
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
451785
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:
| 7.0% | | |
| | | |
|
|
Starting lender yield:
| 17.00% |
Starting borrower rate/APR:
| 18.00% / 20.21% |
Starting monthly payment:
| $361.52 |
| |
|
Auction yield range:
| 8.04% - 17.00% |
Estimated loss impact:
| 7.39% | | |
|
Lender servicing fee:
| 1.00% |
Estimated return:
| 9.61% | | |
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented 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-1985 |
Debt/Income ratio:
| Self-employed (DTI Not Calculated) |
|
Basic (1-10):
| 7 |
Inquiries last 6m:
| 1 | Employment status: | Self-employed |
| Enhanced (1-5): | 2 |
Current / open credit lines:
| 11
/
11 | Length of status: | 2y 4m |
|
Credit score:
| 780-799 (Mar-2010) |
Total credit lines:
| 48 |
Occupation: | Other |
|
Now delinquent:
| 0 |
Revolving credit balance:
| $188,395 | Stated income: | $75,000-$99,999 |
|
Amount delinquent:
| $0 |
Bankcard utilization:
| 62% | | |
|
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| Yes | | |
|
Delinquencies in last 7y:
| 0 | | | | |
|
Screen name:
| equitable-market2 |
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
Manufacturing for Nordstrom
Purpose of loan:
This loan will be to cover manufacturing expenses to create the products to fill existing orders. Our growth has been phenomenal and our customers are small and large retailers like Nordstrom, Coldwater Creek, Fairmont Hotel and over 500 stores nationwide. Our product is in high demand and we are working hard to keep up with orders. We need to pay ahead for many items and wait for 45 days to be paid after shipping so this will help us to pay for help to get the products made and for some of the upfront costs like packaging and our ecommerce website where we will sell products direct at a greater profit margin.
My financial situation:
I am a good candidate for this loan because I have been financially stable and responsible?for many years. I am also a homeowner in a very high end area of the country. I have been successful in sales and marketing working for other companies in both high tech and real estate. Now that I have created my?own company and products and I am putting all of that experinece to work?to create a solid and successful company. We have sales in the first three months of this year that equal our entire first year and we are on track to increase sales by over $200,000 this year. I have invested a good percentage of my own savings in the company and feel confident that we can continue our growth and be in a?strong position for our investors.
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
451789
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:
| HR |
Auction Duration:
| 7 days
|
|
Term:
| 36 months |
Estimated loss:
| 18.0% | | |
| | | |
|
|
Starting lender yield:
| 34.00% |
Starting borrower rate/APR:
| 35.00% / 37.73% |
Starting monthly payment:
| $67.85 |
| |
|
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-2000 |
Debt/Income ratio:
| 22% |
|
Basic (1-10):
| 5 |
Inquiries last 6m:
| 6 | Employment status: | Full-time employee |
| Enhanced (1-5): | 2 |
Current / open credit lines:
| 9
/
9 | Length of status: | 5y 7m |
|
Credit score:
| 660-679 (Mar-2010) |
Total credit lines:
| 30 |
Occupation: | Other |
|
Now delinquent:
| 0 |
Revolving credit balance:
| $6,304 | Stated income: | $25,000-$49,999 |
|
Amount delinquent:
| $0 |
Bankcard utilization:
| 86% | | |
|
Public records last 12m / 10y:
| 0/ 1 |
Homeownership:
| Yes | | |
|
Delinquencies in last 7y:
| 6 | | | | |
|
Screen name:
| aorozco |
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 old debt
Purpose of loan:
This loan will be used to? pay off old debt. got most of the funds from 401k now need a little more to complete funds
My financial situation:
I am a good candidate for this loan because? i am responsible and pay all my bills on time.? i have the means to pay the loan back.? i am willing to provide referrences.? let me know if you have any questions or concerns or anything i can do let me know.also i own 2 vehicles worth 2500.00 and just want to avoid the high interest rates of a title loan.? My credit score is a a little low due to my 1 high balance on a card but i am able to pay all my bills just fine on time, but my payment history on my credit is perfect.? I have never been late on a payment.? thank you for your support.
Monthly net income: $ 2200 sps 1700 rent room $400
Monthly expenses: $
??Housing: $ 1175
??Insurance: $ 240
??Car expenses: $390 car payment?210 gas?
??Utilities: $?200
??Phone, cable, internet: $ 150 & 180 cell
??Food, entertainment: $ 300
??Clothing, household expenses $ 100
??Credit cards and other loans: $ 200
??Other expenses: $ 250
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
451791
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
|
Amount:
| $7,400.00 |
Prosper Rating:
| 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:
| $319.11 |
| |
|
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-1994 |
Debt/Income ratio:
| 37% |
|
Basic (1-10):
| 7 |
Inquiries last 6m:
| 0 | Employment status: | Full-time employee |
| Enhanced (1-5): | 4 |
Current / open credit lines:
| 17
/
14 | Length of status: | 11y 0m |
|
Credit score:
| 640-659 (Mar-2010) |
Total credit lines:
| 29 |
Occupation: | Scientist |
|
Now delinquent:
| 0 |
Revolving credit balance:
| $16,900 | Stated income: | $25,000-$49,999 |
|
Amount delinquent:
| $0 |
Bankcard utilization:
| 86% | | |
|
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| Yes | | |
|
Delinquencies in last 7y:
| 0 | | | | |
|
Screen name:
| urbane-money5 |
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
Paying off credit cards
I am looking to consolidate my credit card debt.? The last couple of years I relied more heavily on my credit cards for day to day living.? I am now looking to pay off some of that accumulated debt faster.? I have a steady, full time job of over 10 years.? Aside from credit card payments, my monthly bills include, mortgage, utilities, car insurance, car payment, groceries, and gas in order to get to work and back.? My car is almost paid off, with my last payment due in November of this year.? I plan on keeping this vehicle for many years to come.? I have no plans for any vacations or? other splurges.? I hope you will consider funding my loan.? I thank you in advance.? I hope to someday return the favor and lend to someone in need.
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
451795
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:
| A |
Auction Duration:
| 7 days
|
|
Term:
| 36 months |
Estimated loss:
| 2.1% | | |
| | | |
|
|
Starting lender yield:
| 8.49% |
Starting borrower rate/APR:
| 9.49% / 13.04% |
Starting monthly payment:
| $32.03 |
| |
|
Auction yield range:
| 4.04% - 8.49% |
Estimated loss impact:
| 2.12% | | |
|
Lender servicing fee:
| 1.00% |
Estimated return:
| 6.37% | | |
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented 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-1991 |
Debt/Income ratio:
| 127% |
|
Basic (1-10):
| 9 |
Inquiries last 6m:
| 0 | Employment status: | Full-time employee |
| Enhanced (1-5): | 3 |
Current / open credit lines:
| 6
/
6 | Length of status: | 9y 8m |
|
Credit score:
| 700-719 (Mar-2010) |
Total credit lines:
| 9 |
Occupation: | Other |
|
Now delinquent:
| 0 |
Revolving credit balance:
| $61,083 | Stated income: | $1-$24,999 |
|
Amount delinquent:
| $0 |
Bankcard utilization:
| 98% | | |
|
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| No | | |
|
Delinquencies in last 7y:
| 0 | | | | |
|
Screen name:
| sincere-peace5 |
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
pay credit account off
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
451799
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
|
Amount:
| $5,000.00 |
Prosper Rating:
| AA |
Auction Duration:
| 7 days
|
|
Term:
| 36 months |
Estimated loss:
| 1.5% | | |
| | | |
|
|
Starting lender yield:
| 7.48% |
Starting borrower rate/APR:
| 8.48% / 8.82% |
Starting monthly payment:
| $157.79 |
| |
|
Auction yield range:
| 3.04% - 7.48% |
Estimated loss impact:
| 1.50% | | |
|
Lender servicing fee:
| 1.00% |
Estimated return:
| 5.98% | | |
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:
| Sep-1992 |
Debt/Income ratio:
| Not calculated |
|
Basic (1-10):
| 8 |
Inquiries last 6m:
| 1 | Employment status: | Full-time employee |
| Enhanced (1-5): | 5 |
Current / open credit lines:
| 8
/
8 | Length of status: | 11y 0m |
|
Credit score:
| 880-899 (Mar-2010) |
Total credit lines:
| 37 |
Occupation: | Executive |
|
Now delinquent:
| 0 |
Revolving credit balance:
| $15,657 | Stated income: | $75,000-$99,999 |
|
Amount delinquent:
| $0 |
Bankcard utilization:
| 2% | | |
|
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| Yes | | |
|
Delinquencies in last 7y:
| 0 | | | | |
|
Screen name:
| likeable-pound |
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
Help fund marketing campaign
Purpose of loan: I have been in real estate for over 20 years.? Our focus is on multi-tenant industrial properties.? The last year has been tough on?my business?and unfortunately (and fortunately) forced us to make some dramatic changes in our approach to how we do business.I need this loan to help us mount an ad campaign that will focus on craigslist and our online presence to assist in our leasing efforts.We have hired consultants with expertise in this area and also need funds to support the monthly costs of maintaining the programs and overhead associated with this initiative.This marketing campaign is crucial to the future of my business and I believe the implementation will help us not only persevere but grow in the coming year.My financial situation: The monthly payments for this loan will be easily covered through the rents we receive.I have never missed a loan payment, professionally or personally, and see no reason I will be unable to repay this loan.Any revolving debt I owe is paid off on a monthly basis.I value my credit score and would do whatever it takes to stay in excellent standing.
Sorry if you have already seen my listing and invested--it had to be withdrawn and re-listed due to a technical issue. Thank you for your consideration!
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
451803
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:
| 30.22% |
Starting borrower rate/APR:
| 31.22% / 33.62% |
Starting monthly payment:
| $323.42 |
| |
|
Auction yield range:
| 17.04% - 30.22% |
Estimated loss impact:
| 19.77% | | |
|
Lender servicing fee:
| 1.00% |
Estimated return:
| 10.45% | | |
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:
| Sep-1976 |
Debt/Income ratio:
| Self-employed (DTI Not Calculated) |
|
Basic (1-10):
| 5 |
Inquiries last 6m:
| 0 | Employment status: | Self-employed |
| Enhanced (1-5): | 4 |
Current / open credit lines:
| 9
/
9 | Length of status: | 19y 3m |
|
Credit score:
| 680-699 (Mar-2010) |
Total credit lines:
| 54 |
Occupation: | Executive |
|
Now delinquent:
| 0 |
Revolving credit balance:
| $14,998 | Stated income: | $100,000+ |
|
Amount delinquent:
| $0 |
Bankcard utilization:
| 91% | | |
|
Public records last 12m / 10y:
| 0/ 1 |
Homeownership:
| Yes | | |
|
Delinquencies in last 7y:
| 12 | | | | |
|
Screen name:
| fairness-amigo7 |
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
Duty....Honor....Country!
Purpose of loan:
I don't need this loan. This loan is being used to just?establish a track record on Prosper. As a military retiree my guaranteed retirement income will insure your monthly payments!??
My financial situation:
I am a good candidate for this loan because my retirement income is $75,000 per year and my part time job brings in another $225,000. I am supprised my credit score is as high as it is (650-699)?as?I filed for bankruptcy in 2005. As a financial advisor I was sued by the Securities and Exchange Commission (SEC) and after a 5 week trial the Judge said I had done nothing wrong and all charges were dropped.?My attorney bills came in at $1.5 million. I had approximately $1 million in savings when the charges were brought against me. I paid what I could an then filed for Chapter 7.? As a graduate of?The United States Military Academy I?always?do what is right !?
Monthly net income: $ 25,000
Monthly expenses: $ 14,000
??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
451813
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:
| 20.06% |
Starting borrower rate/APR:
| 21.06% / 23.31% |
Starting monthly payment:
| $188.53 |
| |
|
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:
| Nov-2000 |
Debt/Income ratio:
| 25% |
|
Basic (1-10):
| 9 |
Inquiries last 6m:
| 3 | Employment status: | Full-time employee |
| Enhanced (1-5): | 4 |
Current / open credit lines:
| 13
/
12 | Length of status: | 0y 8m |
|
Credit score:
| 640-659 (Mar-2010) |
Total credit lines:
| 25 |
Occupation: | Scientist |
|
Now delinquent:
| 0 |
Revolving credit balance:
| $21,655 | 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:
| plum782 |
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 off my credit cards
Purpose of loan:
This loan will be used to lower my interest rate for a citi credit card that's 29%?
My financial situation: I am a Scientist and just moved, but i have been good always with my bills and what not
I am a good candidate for this loan because I pay everything I owe on time, and I just need this loan to lower my interest rate, so it will be the same payment to the credit card company as I am already paying just lower?
Monthly net income: $ 5500
Monthly expenses: $2500
??Housing: $1000
??Insurance: $300
??Utilities: $50
??Phone, cable, internet: $100
??Food, entertainment: $200
??Clothing, household expenses $200
??Credit cards and other loans: $500
??Other expenses: $200
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
451825
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:
| Nov-1994 |
Debt/Income ratio:
| 15% |
|
Basic (1-10):
| 8 |
Inquiries last 6m:
| 1 | Employment status: | Full-time employee |
| Enhanced (1-5): | 5 |
Current / open credit lines:
| 14
/
12 | Length of status: | 9y 5m |
|
Credit score:
| 780-799 (Mar-2010) |
Total credit lines:
| 54 |
Occupation: | Executive |
|
Now delinquent:
| 0 |
Revolving credit balance:
| $15,628 | Stated income: | $75,000-$99,999 |
|
Amount delinquent:
| $0 |
Bankcard utilization:
| 88% | | |
|
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| Yes | | |
|
Delinquencies in last 7y:
| 0 | | | | |
|
Screen name:
| interest-haven3 |
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
consolidate auto loans
Purpose of loan:
This loan will be used to consolidate my auto loans into one and to establish good credit on Prosper.com so that I can come back with a proven record and borrow more.
My financial situation:
I am a good candidate for this loan because I have run a successful business over the last 10 years.? 2009 was a little rough and I turned to my credit card versus going to the bank.? I currently make $8k/ month + auto expense + health insurance. The current interest rate I am paying on my credit card is 13.9%.
My goal is to get out of debt this year less my auto.
My business will also be looking to expand into other markets this year and I would like to explore using this service for future endeavors.? I am excited about the possibilities.
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
451831
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
|
Amount:
| $6,000.00 |
Prosper Rating:
| HR |
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:
| $271.42 |
| |
|
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:
| Sep-1993 |
Debt/Income ratio:
| 40% |
|
Basic (1-10):
| 5 |
Inquiries last 6m:
| 2 | Employment status: | Full-time employee |
| Enhanced (1-5): | 2 |
Current / open credit lines:
| 12
/
9 | Length of status: | 13y 5m |
|
Credit score:
| 640-659 (Mar-2010) |
Total credit lines:
| 49 |
Occupation: | Teacher |
|
Now delinquent:
| 0 |
Revolving credit balance:
| $11,484 | Stated income: | $25,000-$49,999 |
|
Amount delinquent:
| $0 |
Bankcard utilization:
| 95% | | |
|
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| No | | |
|
Delinquencies in last 7y:
| 0 | | | | |
|
Screen name:
| reefa |
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
Pay off bills/ Home Improvement
Purpose of loan: This loan will be used to?pay off credit cards and improve my home?
?My financial situation: I am a good candidate for this loan because? I pay my bills on time and have established credit?
.Monthly net income: $ 4000
Monthly expenses: $ Total=1768.00? or less?
?Housing: $?0?????? I own my home?
Insurance: $ 150.00??? ?for ?2 - vehicles?
Car expenses: $ 539.31? ( 3 more payments to go before I own the vehicle)??
Utilities: $?50.00??( Light and Water)?? I can show proof of payment stubs?
Phone, cable, internet: $ 80.00???Food, entertainment: $?50.00?
Clothing, household expenses $ 75.00 or less?
??Credit cards and other loans: $?800.00 estimate?
Other expenses: $ 0
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
451865
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
|
Amount:
| $6,500.00 |
Prosper Rating:
| HR |
Auction Duration:
| 7 days
|
|
Term:
| 36 months |
Estimated loss:
| 18.0% | | |
| | | |
|
|
Starting lender yield:
| 18.00% |
Starting borrower rate/APR:
| 19.00% / 21.22% |
Starting monthly payment:
| $238.26 |
| |
|
Auction yield range:
| 17.04% - 18.00% |
Estimated loss impact:
| 19.00% | | |
|
Lender servicing fee:
| 1.00% |
Estimated return:
| -1.00% | | |
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented 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: | $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:
| 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
451871
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:
| Aug-1995 |
Debt/Income ratio:
| 20% |
|
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: | 0y 1m |
|
Credit score:
| 740-759 (Mar-2010) |
Total credit lines:
| 26 |
Occupation: | Police Officer/Corr... |
|
Now delinquent:
| 1 |
Revolving credit balance:
| $2,659 | Stated income: | $75,000-$99,999 |
|
Amount delinquent:
| $31,013 |
Bankcard utilization:
| 88% | | |
|
Public records last 12m / 10y:
| 0/ 1 |
Homeownership:
| Yes | | |
|
Delinquencies in last 7y:
| 12 | | | | |
|
Screen name:
| platinum-communicator8 |
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
The tax man
Purpose of loan:
This loan will be used to cover my tax liabilty, which increased due to divorce.?
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
451873
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
|
Amount:
| $6,000.00 |
Prosper Rating:
| HR |
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:
| $254.71 |
| |
|
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:
| Jun-1998 |
Debt/Income ratio:
| 19% |
|
Basic (1-10):
| 5 |
Inquiries last 6m:
| 1 | Employment status: | Full-time employee |
| Enhanced (1-5): | 3 |
Current / open credit lines:
| 2
/
2 | Length of status: | 2y 5m |
|
Credit score:
| 700-719 (Mar-2010) |
Total credit lines:
| 7 |
Occupation: | Other |
|
Now delinquent:
| 1 |
Revolving credit balance:
| $451 | Stated income: | $25,000-$49,999 |
|
Amount delinquent:
| $0 |
Bankcard utilization:
| 18% | | |
|
Public records last 12m / 10y:
| 0/ 1 |
Homeownership:
| No | | |
|
Delinquencies in last 7y:
| 2 | | | | |
|
Screen name:
| duty-judo6 |
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
Medical Bills
Purpose of loan:
This loan will be used to? To pay off medical bills
My financial situation:
I am a good candidate for this loan because? i am of good charecter
Monthly net income: $ 2168????
Monthly expenses: $
??Housing: $ 0
??Insurance: $ 125
??Car expenses: $ 287
??Utilities: $ 80????
??Phone, cable, internet: $ 190????
??Food, entertainment: $ 400
??Clothing, household expenses $ 50
??Credit cards and other loans: $ 360????
??Other expenses: $ 100
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
451877
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:
| 6.5% | | |
| | | |
|
|
Starting lender yield:
| 20.06% |
Starting borrower rate/APR:
| 21.06% / 23.57% |
Starting monthly payment:
| $56.56 |
| |
|
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-2004 |
Debt/Income ratio:
| Not calculated |
|
Basic (1-10):
| 9 |
Inquiries last 6m:
| 0 | Employment status: | Not employed |
| Enhanced (1-5): | 5 |
Current / open credit lines:
| 7
/
5 | Length of status: | 0y 2m |
|
Credit score:
| 640-659 (Mar-2010) |
Total credit lines:
| 14 | Stated income: | Not employed |
|
Now delinquent:
| 0 |
Revolving credit balance:
| $2,008 | |
|
Amount delinquent:
| $0 |
Bankcard utilization:
| 23% | | |
|
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| No | | |
|
Delinquencies in last 7y:
| 15 | | | | |
|
Screen name:
| sankapilat |
Borrower's state:
| Washington |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
| Loan history | Payment history | Credit score history |
|
Active / total loans:
| 0 / 2 |
On-time:
| 10 ( 83% )
| 640-659 (Latest)
|
|
Principal borrowed:
| $3,500.00 | < mo. late:
| 2
( 17% )
| 600-619
(Jul-2009)
660-679
(Apr-2008)
640-659
(Feb-2008)
|
|
Principal balance:
| $0.00 |
1+ mo. late:
| 0
( 0% )
|
|
Total payments billed:
| 12 | | |
Description
1 quarters worth of school cost
Purpose of loan:
This loan will be used for payment of 4 classes at my local community college.
My financial situation:
I am currently honorably discharged from the Marine Corps. Ive been out for my 3rd month now and i am enrolling into the local community college for 4 classes. my payment for this quarter is roughly 1000 and i need a few more hundred for misc school expenses. I qualify for the post 911 GI bill which could pay my expenses for me but im choosing not to use it right now until i get on par for university and use my benefits for more serious studies. I am currently on unemployment and i am looking for work. So i get a 450 weekly unemployment check until i find a job. I also get a disablity check for $375 once a month from the VA for disabilty so i am more then capable of paying back my loan. If any of you would like paperwork regarding this income feel free to contact me?and i will fax you documentation. I have very little expenses due to the fact that i have a paid off car and im living with my brother for free for the next year.
Monthly expenses: $
??Housing: $0
??Insurance: $150
??Car expenses: $?250
??Utilities: $ 150
? Phone, cable, internet: $130
? Food, entertainment: $200
??Clothing, household expenses $60
??Credit cards and other loans: $150?
??Other expenses: $
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
451879
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
|
Amount:
| $9,000.00 |
Prosper Rating:
| AA |
Auction Duration:
| 7 days
|
|
Term:
| 36 months |
Estimated loss:
| 1.5% | | |
| | | |
|
|
Starting lender yield:
| 20.00% |
Starting borrower rate/APR:
| 21.00% / 21.37% |
Starting monthly payment:
| $339.08 |
| |
|
Auction yield range:
| 3.04% - 20.00% |
Estimated loss impact:
| 1.54% | | |
|
Lender servicing fee:
| 1.00% |
Estimated return:
| 18.46% | | |
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:
| Jan-1984 |
Debt/Income ratio:
| Self-employed (DTI Not Calculated) |
|
Basic (1-10):
| 6 |
Inquiries last 6m:
| 2 | Employment status: | Self-employed |
| Enhanced (1-5): | 4 |
Current / open credit lines:
| 9
/
9 | Length of status: | 0y 8m |
|
Credit score:
| 820-839 (Feb-2010) |
Total credit lines:
| 24 |
Occupation: | Psychologist |
|
Now delinquent:
| 0 |
Revolving credit balance:
| $11,873 | Stated income: | $50,000-$74,999 |
|
Amount delinquent:
| $0 |
Bankcard utilization:
| 25% | | |
|
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| Yes | | |
|
Delinquencies in last 7y:
| 0 | | | | |
|
Screen name:
| brightest-sensible-point |
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
"bridge" while clientele increases
Purpose of loan:
This loan will be used to?increase my business as a Licensed Marriage Family Therapist in my area and in a nearby locale. This is proving to be much bigger than I thought it would be and am thus acquiring a bridge while I further establish my business.? I am hard-working (a family value) and have always paid my bills.
My financial situation:
I am a good candidate for this loan because?this is just a temporary need while I shift services.
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
451883
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:
| $19,950.00 |
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:
| $902.46 |
| |
|
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:
| Oct-1986 |
Debt/Income ratio:
| Self-employed (DTI Not Calculated) |
|
Basic (1-10):
| 1 |
Inquiries last 6m:
| 2 | Employment status: | Self-employed |
| Enhanced (1-5): | 3 |
Current / open credit lines:
| 5
/
5 | Length of status: | 19y 10m |
|
Credit score:
| 640-659 (Mar-2010) |
Total credit lines:
| 33 |
Occupation: | Professional |
|
Now delinquent:
| 1 |
Revolving credit balance:
| $12,375 | Stated income: | $1-$24,999 |
|
Amount delinquent:
| $327 |
Bankcard utilization:
| 77% | | |
|
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| No | | |
|
Delinquencies in last 7y:
| 0 | | | | |
|
Screen name:
| truth-oath |
Borrower's state:
| Indiana |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Description
property with amish council income
Purpose of loan:
This loan will be used to buy a rental property from a dying local. The property has amish wholesale goods and a generation of 450 dollars a month income. it is on the corner of 59 ansd 36 in bell more in.???????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????? My financial situation:
I need this loan!?? because it will allow me to have a third income to better situate my self for?next winter. It will allow me to?control my direct competitors advancements (they will not be able to build across the street?! Iam on very sound finances as my business is showing a close to 1500 dollar profit?for this month?and over 16000 for last 6 months of last year. i am tied right now due to summer bump up of stock to prepare for a large campground and summer home comeback. My rent and electricity are all paid by the store and my fanily gross 3500 hundred per month with a son being late on a car that is cosigned by myself. we are paying that off also and that will (i think) bump up my fico score tremendously. My credit cards have remained on a low interest rate and shows a debt due to start up cost of this place and a second store.?????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????? Monthly net income: $ gross of 20000 a month with 1500 dollars profit and?3500 net for the family?after?overhead and stock purchases.
Monthly expenses: $
??Housing:?5500 for store and my 4 bedroom two bath aprtment in the same building???????????????????????????????????????????????????????????????????????????????????????????????????????????? Insurance: $ 200
??Car expenses: $?200 a month for gas?and 327 payment?for sons car (he is always late paying and im a cosigner he pays 327 and i pay 327 to try and pay this off.)
??Utilities: $ 1000 for both stores and my aprtment
??Phone, cable, internet: $ 220
??Food, entertainment: $ 200 is what we allow ourselves the store feeds us the rest of the time.
??Clothing, household expenses $?300 with uniforms also provided thru the store account?.?Credit cards and other loans: $ 532?for credit card payment.
??Other expenses: $ 100 a month for baseball coaching.
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
451889
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:
| 34.00% |
Starting borrower rate/APR:
| 35.00% / 39.15% |
Starting monthly payment:
| $45.24 |
| |
|
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:
| Feb-2003 |
Debt/Income ratio:
| Not calculated |
|
Basic (1-10):
| 5 |
Inquiries last 6m:
| 1 | Employment status: | Part-time employee |
| Enhanced (1-5): | 4 |
Current / open credit lines:
| 1
/
1 | Length of status: | 1y 1m |
|
Credit score:
| 720-739 (Mar-2010) |
Total credit lines:
| 4 |
Occupation: | Nurse's Aide |
|
Now delinquent:
| 0 |
Revolving credit balance:
| $47 | 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:
| liberty-demon9 |
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
paying for college
Purpose of loan:
This loan will be used to pay for college classes as well as school books and the items needed for the classroom.
My financial situation:
I am a good candidate for this loan because i am a responsible individual who will use this money for important needs. My education is very important to me and staying in school is my main goal in life.
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
451901
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:
| 19.00% |
Starting borrower rate/APR:
| 20.00% / 22.24% |
Starting monthly payment:
| $557.45 |
| |
|
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:
| Nov-1992 |
Debt/Income ratio:
| 62% |
|
Basic (1-10):
| 5 |
Inquiries last 6m:
| 1 | Employment status: | Full-time employee |
| Enhanced (1-5): | 4 |
Current / open credit lines:
| 18
/
17 | Length of status: | 12y 7m |
|
Credit score:
| 700-719 (Mar-2010) |
Total credit lines:
| 38 |
Occupation: | Other |
|
Now delinquent:
| 0 |
Revolving credit balance:
| $22,254 | Stated income: | $50,000-$74,999 |
|
Amount delinquent:
| $0 |
Bankcard utilization:
| 80% | | |
|
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| Yes | | |
|
Delinquencies in last 7y:
| 0 | | | | |
|
Screen name:
| influential-generosity8 |
Borrower's state:
| SouthCarolina |
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 cards so I can spend more time on my volunteer work and church activities and less working overtime.
My financial situation:
I am a good candidate for this loan because I am honest and hard working as a salaried manager for a home medical equipment company. I have been married 13 years and worked on the same job for 12 while living in the same home for 11.
Monthly net income: $ 3400
Monthly expenses: $
??Housing: $ 800
??Insurance: $?100
??Car expenses: $ 800
??Utilities: $?150
??Phone, cable, internet: $200
??Food, entertainment: $ 200
??Clothing, household expenses $ 300?
??Credit cards and other loans: $ 600
??Other expenses: $ 100
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
451913
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:
| $11,500.00 |
Prosper Rating:
| AA |
Auction Duration:
| 7 days
|
|
Term:
| 36 months |
Estimated loss:
| 1.5% | | |
| | | |
|
|
Starting lender yield:
| 7.00% |
Starting borrower rate/APR:
| 8.00% / 8.34% |
Starting monthly payment:
| $360.37 |
| |
|
Auction yield range:
| 3.04% - 7.00% |
Estimated loss impact:
| 1.50% | | |
|
Lender servicing fee:
| 1.00% |
Estimated return:
| 5.50% | | |
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-1993 |
Debt/Income ratio:
| 19% |
|
Basic (1-10):
| 8 |
Inquiries last 6m:
| 0 | Employment status: | Full-time employee |
| Enhanced (1-5): | 5 |
Current / open credit lines:
| 12
/
11 | Length of status: | 2y 2m |
|
Credit score:
| 800-819 (Mar-2010) |
Total credit lines:
| 26 |
Occupation: | Professional |
|
Now delinquent:
| 0 |
Revolving credit balance:
| $1,864 | 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:
| 0 | | | | |
|
Screen name:
| platinum-communicator |
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
Wedding
Purpose of loan:
This loan will be used for a wedding.
My financial situation:
I am a good candidate for this loan because of an excellent financial track record of paying off debts on time or before.? Also, I am employed full time.? Though I am applying for this loan our situation will soon be a two income family.
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
451931
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
|
Amount:
| $9,300.00 |
Prosper Rating:
| D |
Auction Duration:
| 7 days
|
|
Term:
| 36 months |
Estimated loss:
| 10.0% | | |
| | | |
|
|
Starting lender yield:
| 11.04% |
Starting borrower rate/APR:
| 12.04% / 14.17% |
Starting monthly payment:
| $309.07 |
| |
|
Auction yield range:
| 11.04% - 11.04% |
Estimated loss impact:
| 10.23% | | |
|
Lender servicing fee:
| 1.00% |
Estimated return:
| 0.81% | | |
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:
| Oct-1995 |
Debt/Income ratio:
| 20% |
|
Basic (1-10):
| 6 |
Inquiries last 6m:
| 0 | Employment status: | Full-time employee |
| Enhanced (1-5): | 5 |
Current / open credit lines:
| 8
/
7 | Length of status: | 9y 8m |
|
Credit score:
| 720-739 (Mar-2010) |
Total credit lines:
| 19 |
Occupation: | Other |
|
Now delinquent:
| 3 |
Revolving credit balance:
| $4,420 | Stated income: | $50,000-$74,999 |
|
Amount delinquent:
| $171 |
Bankcard utilization:
| 33% | | |
|
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| Yes | | |
|
Delinquencies in last 7y:
| 0 | | | | |
|
Screen name:
| RangersNextYear |
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.
Prosper Activity
| Loan history | Payment history | Credit score history |
|
Active / total loans:
| 1 / 1 |
On-time:
| 21 ( 100% )
| 720-739 (Latest)
|
|
Principal borrowed:
| $9,950.00 | < mo. late:
| 0
( 0% )
| 640-659
(May-2008)
|
|
Principal balance:
| $4,929.51 |
1+ mo. late:
| 0
( 0% )
|
|
Total payments billed:
| 21 | | |
Description
Consolidating Debts
Purpose of loan:?? (NOTE:? I am baffled by my 'D' rating..you will note that my credit score is 720-739 and I have 100% on time payments with Prosper-and a good Prosper Score.? Kindly take a moment to read my listing and credentials...thanks).
I?will be using this loan for the purpose of debt consolidation at a lower interest rate to pay off two debts.
The first?debt I will pay off is?my existing Prosper Loan which originated in June 2008 for $9,950 and now has a balance of $4,987.?I? have 21 months of on time payments on this loan!? Second debt is?a credit card in the amount of $4,300.??We have high interest rates on these debts and wish to lower that interest rate?amount to pay off the debts faster and save money.
I am a good candidate for this loan because I have a stable job and take personal responsibility to pay my debts. My job is recession proof as I work at a hospital as a Power Plant Engineer where they are required to have someone with my license by?NJ?State law. I have worked there for 10 years and at my previous job for 22 years. The only other?debt we have is our mortgage for the home we moved into three years ago?and which has three years of on time payments.?
?Also, not reflected in my salary information, is my wife?s income of $1,000 per month which is used towards our monthly expenses. My net monthly income is $3,700.? After payment of our mortgage and this new Prosper loan we will have approximately $3,088 for utilities, insurances?and? living expenses. I expect no difficulties in making payment on this new Prosper loan.? (My existing Prosper Loan will be paid off immediately upon receipt of the loan proceeds should we be?funded by the lenders).
I hope that my past Prosper Loan history of almost 2 years of on time payments will bear testimony that I am a good candidate for this loan.? I thank you for your help.?
Please feel free to contact me should you have any questions.? I note on my credit report a delinquent amount of $171.00.? I do not know exactly?what this amount is but suspect it may be an old disputed medical bill that my insurance did not process properly.? I will look into it with Experian to try to determine what this amount is all about and get it removed.
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
451949
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:
| Aug-1993 |
Debt/Income ratio:
| 41% |
|
Basic (1-10):
| 5 |
Inquiries last 6m:
| 3 | Employment status: | Full-time employee |
| Enhanced (1-5): | 3 |
Current / open credit lines:
| 17
/
14 | Length of status: | 11y 7m |
|
Credit score:
| 800-819 (Mar-2010) |
Total credit lines:
| 47 |
Occupation: | Sales - Commission |
|
Now delinquent:
| 0 |
Revolving credit balance:
| $23,187 | Stated income: | $50,000-$74,999 |
|
Amount delinquent:
| $0 |
Bankcard utilization:
| 33% | | |
|
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| Yes | | |
|
Delinquencies in last 7y:
| 0 | | | | |
|
Screen name:
| smart-money057 |
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
Buying into a business
Purpose of loan:
This loan will be used to? buy into a business as the operations partner.
My financial situation:
I am a good candidate for this loan because we will only improve our financial situation by getting involved with the business. I have been involved in the restaurant business for 20 plus years. 10 years were spent managing and the last 12 have been selling products to them. The business plan for this operation is set up to buy in for $25000 and for that you become a?50 % partner (the operating partner). There is a $800/week salary for this position that we didnt figure into our equation for this loan however this would be the money that we use to pay back this loan with. ?In addition to the salary we then get paid 50% of the net profits at the end of each quarter. This Family run Pizzera is brand new so the quartly profits are yet to be determined but we are not counting on them at this point anyway.Neither my wife our I plan on leaving our current full time jobs to run the business.
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
451967
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-1981 |
Debt/Income ratio:
| 3% |
|
Basic (1-10):
| 4 |
Inquiries last 6m:
| 0 | Employment status: | Full-time employee |
| Enhanced (1-5): | 5 |
Current / open credit lines:
| 2
/
4 | Length of status: | 3y 4m |
|
Credit score:
| 640-659 (Mar-2010) |
Total credit lines:
| 19 |
Occupation: | Other |
|
Now delinquent:
| 4 |
Revolving credit balance:
| $6,419 | Stated income: | $75,000-$99,999 |
|
Amount delinquent:
| $41,088 |
Bankcard utilization:
| 101% | | |
|
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| Yes | | |
|
Delinquencies in last 7y:
| 17 | | | | |
|
Screen name:
| unique-finance |
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
Fixing some poor decisions
Purpose of loan:
This loan will be used to? I will be using this loan to pay off some payday loans that I took while trying to fix a cash flow issue.? Which was a mistake.
My financial situation:
I am a good candidate for this loan because?? I have made some mistakes.? At the same time I have taken numerous steps to not only correct them while honoring my obligations.? But also implement real longer term solutions that will insure I do not land in this situation again.
Monthly net income: $ 4200
Monthly expenses: $
??Housing: $ 2500????
??Insurance: $ 100????
??Car expenses: $ 0
??Utilities: $ 150
??Phone, cable, internet: $ 200
??Food, entertainment: $ 200
??Clothing, household expenses $ 200
??Credit cards and other loans: $
??Other expenses: $
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
451979
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:
| 27.38% |
Starting borrower rate/APR:
| 28.38% / 30.73% |
Starting monthly payment:
| $207.85 |
| |
|
Auction yield range:
| 11.04% - 27.38% |
Estimated loss impact:
| 10.68% | | |
|
Lender servicing fee:
| 1.00% |
Estimated return:
| 16.70% | | |
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-1993 |
Debt/Income ratio:
| 22% |
|
Basic (1-10):
| 7 |
Inquiries last 6m:
| 1 | Employment status: | Full-time employee |
| Enhanced (1-5): | 3 |
Current / open credit lines:
| 19
/
13 | Length of status: | 7y 6m |
|
Credit score:
| 720-739 (Mar-2010) |
Total credit lines:
| 35 |
Occupation: | Construction |
|
Now delinquent:
| 0 |
Revolving credit balance:
| $70,173 | Stated income: | $50,000-$74,999 |
|
Amount delinquent:
| $0 |
Bankcard utilization:
| 93% | | |
|
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| Yes | | |
|
Delinquencies in last 7y:
| 0 | | | | |
|
Screen name:
| sparkling-payment3 |
Borrower's state:
| Texas |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
| Loan history | Payment history | Credit score history |
|
Active / total loans:
| 0 / 1 |
On-time:
| 6 ( 100% )
| 720-739 (Latest)
|
|
Principal borrowed:
| $1,000.00 | < mo. late:
| 0
( 0% )
| 800-819
(Sep-2009)
|
|
Principal balance:
| $0.00 |
1+ mo. late:
| 0
( 0% )
|
|
Total payments billed:
| 6 | | |
Description
Paying off Credit Cards
Purpose of loan:
This loan will be used to pay off one major credit card balance.
My financial situation:
I am a good candidate for this loan because I always make my payments on time.
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
451991
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
|
Amount:
| $25,000.00 |
Prosper Rating:
| HR |
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:
| $1,130.90 |
| |
|
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-1970 |
Debt/Income ratio:
| 48% |
|
Basic (1-10):
| 4 |
Inquiries last 6m:
| 0 | Employment status: | Full-time employee |
| Enhanced (1-5): | 3 |
Current / open credit lines:
| 19
/
18 | Length of status: | 46y 1m |
|
Credit score:
| 680-699 (Mar-2010) |
Total credit lines:
| 29 |
Occupation: | Other |
|
Now delinquent:
| 0 |
Revolving credit balance:
| $104,499 | Stated income: | $100,000+ |
|
Amount delinquent:
| $0 |
Bankcard utilization:
| 95% | | |
|
Public records last 12m / 10y:
| 1/ 1 |
Homeownership:
| Yes | | |
|
Delinquencies in last 7y:
| 0 | | | | |
|
Screen name:
| orca952 |
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
land improvements for building
This loan is to improve 2.5 acres so a home can be built. Funds are for tree removal $9,000, a well $5,000 and septic system $9,000. I pay all bills on time and have the ability to pay for this loan.
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
451997
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:
| Feb-2002 |
Debt/Income ratio:
| Not calculated |
|
Basic (1-10):
| 2 |
Inquiries last 6m:
| 6 | Employment status: | Full-time employee |
| Enhanced (1-5): | 3 |
Current / open credit lines:
| 16
/
14 | Length of status: | 2y 5m |
|
Credit score:
| 700-719 (Mar-2010) |
Total credit lines:
| 30 |
Occupation: | Other |
|
Now delinquent:
| 0 |
Revolving credit balance:
| $25,432 | Stated income: | $75,000-$99,999 |
|
Amount delinquent:
| $0 |
Bankcard utilization:
| 49% | | |
|
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| Yes | | |
|
Delinquencies in last 7y:
| 0 | | | | |
|
Screen name:
| entertaining-durability2 |
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
Working Capital
Purpose of loan:
This loan will be used to expand my business.
My financial situation:
I am a good candidate for this loan because I wil lmake the payments on time
Monthly net income: $ 7500
Monthly expenses: $?3056
??Housing: $ 2656
??Insurance: $
??Car expenses: $
??Utilities: $ 100
??Phone, cable, internet: $ 100
??Food, entertainment: $ 200
??Clothing, household expenses $
??Credit cards and other loans: $
??Other expenses: $
Information in the Description is not verified.