Listing Report:Supplement No. 216 dated Apr 15, 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
428576
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
|
Amount:
| $12,000.00 |
Prosper Rating:
| E |
Auction Duration:
| 7 days
|
|
Term:
| 36 months |
Estimated loss:
| 14.0% | | |
| | | |
|
|
Starting lender yield:
| 17.00% |
Starting borrower rate/APR:
| 18.00% / 20.21% |
Starting monthly payment:
| $433.83 |
| |
|
Auction yield range:
| 14.04% - 17.00% |
Estimated loss impact:
| 14.75% | | |
|
Lender servicing fee:
| 1.00% |
Estimated return:
| 2.25% | | |
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:
| Aug-1996 |
Debt/Income ratio:
| 34% |
|
Basic (1-10):
| 6 |
Inquiries last 6m:
| 1 | Employment status: | Full-time employee |
| Enhanced (1-5): | 4 |
Current / open credit lines:
| 14
/
13 | Length of status: | 6y 5m |
|
Credit score:
| 640-659 (Apr-2010) |
Total credit lines:
| 30 |
Occupation: | Other |
|
Now delinquent:
| 0 |
Revolving credit balance:
| $12,374 | Stated income: | $50,000-$74,999 |
|
Amount delinquent:
| $0 |
Bankcard utilization:
| 46% | | |
|
Public records last 12m / 10y:
| 0/ 1 |
Homeownership:
| No | | |
|
Delinquencies in last 7y:
| 0 | | | | |
|
Screen name:
| capital-shepherd2 |
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
i want to get married
Purpose of loan:
This loan will be used to consolidate higher interest credit cards so I can get married on 9/11/10 to my Fiancee who also happens to be a 911 phone dispacther......actually not the reason that date was chosen.
My financial situation:
I am a good candidate for this loan because I always pay bills on time or ahead of time and often pay more than the required minimum. I have a very stable job that I have been at for almost 7 years managing a 12 bed house for mentally handicapped individuals.
Monthly net income: $
Varies based on overtime- Without OT- $3,000 With OT up to $5,000
Monthly expenses: $
(My half only- my girlfriend pays the other half.) $1897
??Housing: $
367
??Insurance: $
100
??Car expenses: $ 175
??Utilities: $
0 (Utilities included in our apartment)
??Phone, cable, internet: $
75
??Food, entertainment: $
300
??Clothing, household expenses $
Don't know this one, last piece of clothing I bought from a few years ago is still in one piece so I will put $0
??Credit cards and other loans: $
300
??Other expenses: $
Cell- $80, Car Gas $100, Student loans $350, Gym $15, Storage $35
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
453928
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
|
Amount:
| $2,500.00 |
Prosper Rating:
| D |
Auction Duration:
| 7 days
|
|
Term:
| 36 months |
Estimated loss:
| 10.0% | | |
| | | |
|
|
Starting lender yield:
| 26.38% |
Starting borrower rate/APR:
| 27.38% / 29.72% |
Starting monthly payment:
| $102.57 |
| |
|
Auction yield range:
| 11.04% - 26.38% |
Estimated loss impact:
| 10.66% | | |
|
Lender servicing fee:
| 1.00% |
Estimated return:
| 15.72% | | |
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
|
Prosper scores:
| |
First credit line:
| Oct-1998 |
Debt/Income ratio:
| 23% |
|
Basic (1-10):
| 7 |
Inquiries last 6m:
| 3 | Employment status: | Full-time employee |
| Enhanced (1-5): | 4 |
Current / open credit lines:
| 11
/
10 | Length of status: | 3y 8m |
|
Credit score:
| 640-659 (Apr-2010) |
Total credit lines:
| 32 |
Occupation: | Other |
|
Now delinquent:
| 0 |
Revolving credit balance:
| $10,207 | Stated income: | $50,000-$74,999 |
|
Amount delinquent:
| $0 |
Bankcard utilization:
| 74% | | |
|
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| No | | |
|
Delinquencies in last 7y:
| 0 | | | | |
|
Screen name:
| benefit-contributor |
Borrower's state:
| Michigan |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Description
Paying off Revolving Debt
Purpose
of loan:
This loan will be used to pay off credit card debt and increase my credit score by reducing my revolving credit balance.
My financial situation:
I am a good candidate for this loan because I pay all of my bills on time every
month.? I graduated from the University of Detroit Mercy in 2002 with a BS
in engineering. I moved out to CA for an employment opportunity that would help
me reach my long term goal of obtaining an engineering license.
I am highly motivated to pay back my debt as quickly as possible because I
would like to get married next year and start a family soon after that. I am a
highly reliable person who is involved in volunteer activities, such as
Engineers Without Borders.
My
credit profile lists no homeownership. This somewhat incorrect because one of
my expenses is my boat which I currently live on. Both my loan and slip fees are paid on time each month and are
included in the housing expenses I've listed below. My plan is to sell the boat in the near future and use the invested capital towards a house.
Monthly net income: $ 5,100+/-
Monthly expenses: $
??Housing: $ 1190
??Insurance: $ 122
??Car expenses: $ 160 including fuel
? Food, entertainment: $ 380
? Credit cards and other loans: $ 598.35
??Other expenses: $ 290
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
454006
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
|
Amount:
| $2,725.00 |
Prosper Rating:
| HR |
Auction Duration:
| 7 days
|
|
Term:
| 36 months |
Estimated loss:
| 25.0% | | |
| | | |
|
|
Starting lender yield:
| 24.00% |
Starting borrower rate/APR:
| 25.00% / 27.31% |
Starting monthly payment:
| $108.35 |
| |
|
Auction yield range:
| 17.04% - 24.00% |
Estimated loss impact:
| 26.38% | | |
|
Lender servicing fee:
| 1.00% |
Estimated return:
| -2.38% | | |
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should 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:
| 19% |
|
Basic (1-10):
| 3 |
Inquiries last 6m:
| 1 | Employment status: | Full-time employee |
| Enhanced (1-5): | 2 |
Current / open credit lines:
| 14
/
14 | Length of status: | 17y 9m |
|
Credit score:
| 660-679 (Apr-2010) |
Total credit lines:
| 54 |
Occupation: | Professional |
|
Now delinquent:
| 4 |
Revolving credit balance:
| $42,734 | Stated income: | $75,000-$99,999 |
|
Amount delinquent:
| $17,424 |
Bankcard utilization:
| 93% | | |
|
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| Yes | | |
|
Delinquencies in last 7y:
| 14 | | | | |
|
Screen name:
| HackShack |
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.
Prosper Activity
| Loan history | Payment history | Credit score history |
|
Active / total loans:
| 1 / 1 |
On-time:
| 22 ( 100% )
| 660-679 (Latest)
|
|
Principal borrowed:
| $4,000.00 | < mo. late:
| 0
( 0% )
| 660-679
(Feb-2010)
660-679
(Oct-2009)
660-679
(Sep-2009)
640-659
(May-2008)
|
|
Principal balance:
| $1,785.51 |
1+ mo. late:
| 0
( 0% )
|
|
Total payments billed:
| 22 | | |
Description
Roof repair on Baseball Facility
Purpose of loan:
This loan will be used?to repair a metal roof on a 6000 sq. ft. indoor baseball facility.? This past Winter took it's toll on the roof, with numerous leaking occurring with the Spring rains.??I have received a number of quotes for the repairs with the lowest quote bing $3,725.? The business has $1,000 to put towards the repairs, but needs a loan for the balance.? The repairs are necessary to keep further damage occuring to the interior equipment.?
My financial situation:
My financial situation is better than it appears with the credit bureaus.? The business is able to meet all it's obligations.??I have an existing loan with Proper that was used to purchase equipment for the baseball facility.? The loan is almost 2 years old and I have never been late with a payment on the account.
Monthly net income: $ 6,583
Monthly expenses: $ 5,100
??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
454018
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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:
| 23.00% |
Starting borrower rate/APR:
| 24.00% / 26.29% |
Starting monthly payment:
| $294.25 |
| |
|
Auction yield range:
| 17.04% - 23.00% |
Estimated loss impact:
| 19.32% | | |
|
Lender servicing fee:
| 1.00% |
Estimated return:
| 3.68% | | |
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
|
Prosper scores:
| |
First credit line:
| Oct-2005 |
Debt/Income ratio:
| Self-employed (DTI Not Calculated) |
|
Basic (1-10):
| 4 |
Inquiries last 6m:
| 1 | Employment status: | Self-employed |
| Enhanced (1-5): | 4 |
Current / open credit lines:
| 7
/
4 | Length of status: | 5y 3m |
|
Credit score:
| 720-739 (Mar-2010) |
Total credit lines:
| 11 |
Occupation: | Construction |
|
Now delinquent:
| 0 |
Revolving credit balance:
| $396 | Stated income: | $50,000-$74,999 |
|
Amount delinquent:
| $0 |
Bankcard utilization:
| 22% | | |
|
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| Yes | | |
|
Delinquencies in last 7y:
| 0 | | | | |
|
Screen name:
| 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% )
| 720-739
(Feb-2010)
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
454024
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
|
Amount:
| $7,500.00 |
Prosper Rating:
| HR |
Auction Duration:
| 7 days
|
|
Term:
| 36 months |
Estimated loss:
| 18.0% | | |
| | | |
|
|
Starting lender yield:
| 19.00% |
Starting borrower rate/APR:
| 20.00% / 22.24% |
Starting monthly payment:
| $278.73 |
| |
|
Auction yield range:
| 17.04% - 19.00% |
Estimated loss impact:
| 19.06% | | |
|
Lender servicing fee:
| 1.00% |
Estimated return:
| -0.06% | | |
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
|
Prosper scores:
| |
First credit line:
| Aug-1990 |
Debt/Income ratio:
| Not calculated |
|
Basic (1-10):
| 4 |
Inquiries last 6m:
| 2 | Employment status: | Full-time employee |
| Enhanced (1-5): | 4 |
Current / open credit lines:
| 11
/
9 | Length of status: | 5y 3m |
|
Credit score:
| 640-659 (Apr-2010) |
Total credit lines:
| 27 |
Occupation: | Other |
|
Now delinquent:
| 1 |
Revolving credit balance:
| $9,913 | Stated income: | $25,000-$49,999 |
|
Amount delinquent:
| $0 |
Bankcard utilization:
| 72% | | |
|
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| No | | |
|
Delinquencies in last 7y:
| 4 | | | | |
|
Screen name:
| gravity8 |
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
Closing High Interest Rate Cards
Purpose of loan:
This loan will be used to?
pay off unreasonably high interest rate credit cards.
My financial situation:
I am a good candidate for this loan because?
regardless of the algorithm used to determine my score, I have never paid late.? Anything outstanding is being disputed.
Monthly net income: $
2600.00
Monthly expenses: $
??Housing: $
0
??Insurance: $
90.00
??Car expenses: $
100.00
??Utilities: $
0
??Phone, cable, internet: $ 100.00
??Food, entertainment: $
100.00
??Clothing, household expenses $
50.00
??Credit cards and other loans: $
600.00
??Other expenses: $
?
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
454026
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
|
Amount:
| $7,500.00 |
Prosper Rating:
| D |
Auction Duration:
| 7 days
|
|
Term:
| 36 months |
Estimated loss:
| 10.0% | | |
| | | |
|
|
Starting lender yield:
| 30.22% |
Starting borrower rate/APR:
| 31.22% / 33.62% |
Starting monthly payment:
| $323.42 |
| |
|
Auction yield range:
| 11.04% - 30.22% |
Estimated loss impact:
| 10.76% | | |
|
Lender servicing fee:
| 1.00% |
Estimated return:
| 19.46% | | |
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
|
Prosper scores:
| |
First credit line:
| Apr-1986 |
Debt/Income ratio:
| 12% |
|
Basic (1-10):
| 7 |
Inquiries last 6m:
| 4 | Employment status: | Full-time employee |
| Enhanced (1-5): | 3 |
Current / open credit lines:
| 11
/
10 | Length of status: | 6y 8m |
|
Credit score:
| 680-699 (Apr-2010) |
Total credit lines:
| 42 |
Occupation: | Other |
|
Now delinquent:
| 0 |
Revolving credit balance:
| $131,209 | Stated income: | $100,000+ |
|
Amount delinquent:
| $0 |
Bankcard utilization:
| 88% | | |
|
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| Yes | | |
|
Delinquencies in last 7y:
| 0 | | | | |
|
Screen name:
| shiny-wampum0 |
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
Pay off Private Note
Purpose of loan:
This loan will be used to pay off a private note that was used to make improvements on my home.
My financial situation:
I am a good candidate for this loan because I will be sure to make the payments on time, and will try my best to pay off the loan early.
Monthly net income: $ 8300
Monthly expenses: $ 2800
??Housing: $ 1500
??Insurance: $
??Car expenses: $
??Utilities: $ 100
??Phone, cable, internet: $ 100
??Food, entertainment: $
??Clothing, household expenses $ 200
??Credit cards and other loans: $ 800
??Other expenses: $
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
454030
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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:
| C |
Auction Duration:
| 7 days
|
|
Term:
| 36 months |
Estimated loss:
| 7.0% | | |
| | | |
|
|
Starting lender yield:
| 8.04% |
Starting borrower rate/APR:
| 9.04% / 11.13% |
Starting monthly payment:
| $190.91 |
| |
|
Auction yield range:
| 8.04% - 8.04% |
Estimated loss impact:
| 7.16% | | |
|
Lender servicing fee:
| 1.00% |
Estimated return:
| 0.88% | | |
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
|
Prosper scores:
| |
First credit line:
| Feb-1984 |
Debt/Income ratio:
| Self-employed (DTI Not Calculated) |
|
Basic (1-10):
| 7 |
Inquiries last 6m:
| 1 | Employment status: | Self-employed |
| Enhanced (1-5): | 3 |
Current / open credit lines:
| 8
/
8 | Length of status: | 1y 0m |
|
Credit score:
| 760-779 (Apr-2010) |
Total credit lines:
| 28 |
Occupation: | Other |
|
Now delinquent:
| 0 |
Revolving credit balance:
| $40,466 | Stated income: | $25,000-$49,999 |
|
Amount delinquent:
| $0 |
Bankcard utilization:
| 71% | | |
|
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| Yes | | |
|
Delinquencies in last 7y:
| 0 | | | | |
|
Screen name:
| historic-point7 |
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
Buying a car for my son
Purpose of loan:
This loan will be used to buy a car for my son who needs transportation for work.
I am a good candidate for this loan because I have excellent credit and have always been able to meet my obligations.
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
454044
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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:
| 25.0% | | |
| | | |
|
|
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:
| 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:
| Apr-2003 |
Debt/Income ratio:
| Self-employed (DTI Not Calculated) |
|
Basic (1-10):
| 3 |
Inquiries last 6m:
| 3 | Employment status: | Self-employed |
| Enhanced (1-5): | 2 |
Current / open credit lines:
| 5
/
5 | Length of status: | 1y 1m |
|
Credit score:
| 660-679 (Apr-2010) |
Total credit lines:
| 6 |
Occupation: | Other |
|
Now delinquent:
| 0 |
Revolving credit balance:
| $11,787 | Stated income: | $50,000-$74,999 |
|
Amount delinquent:
| $0 |
Bankcard utilization:
| 95% | | |
|
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| Yes | | |
|
Delinquencies in last 7y:
| 0 | | | | |
|
Screen name:
| auction-tamarack |
Borrower's state:
| Utah |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Description
Marketing
Purpose of loan:
This loan will be used to?
This money will go towards Marketing a Facebook application. Users are perchased at $.25 per install, and we have proven to earn a residual of $.10 per user per month.
My financial situation:
I am a good candidate for this loan because?
I have a strong business model that has been refined for several months, and?has proven to be successful with prior marketing dollars.?
Monthly net income: $
$4500
Monthly expenses: $
??Housing: $ 1100
??Insurance: $ 300
??Car expenses: $ 150
??Utilities: $ 120
??Phone, cable, internet: $ 150
??Food, entertainment: $ 500
??Clothing, household expenses $ 150
??Credit cards and other loans: $ 200
??Other expenses: $ 1000
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
454048
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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:
| 27.00% |
Starting borrower rate/APR:
| 28.00% / 30.62% |
Starting monthly payment:
| $62.05 |
| |
|
Auction yield range:
| 8.04% - 27.00% |
Estimated loss impact:
| 7.15% | | |
|
Lender servicing fee:
| 1.00% |
Estimated return:
| 19.85% | | |
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
|
Prosper scores:
| |
First credit line:
| May-1998 |
Debt/Income ratio:
| 7% |
|
Basic (1-10):
| 9 |
Inquiries last 6m:
| 0 | Employment status: | Full-time employee |
| Enhanced (1-5): | 5 |
Current / open credit lines:
| 9
/
8 | Length of status: | 7y 2m |
|
Credit score:
| 680-699 (Apr-2010) |
Total credit lines:
| 22 |
Occupation: | Sales - Commission |
|
Now delinquent:
| 1 |
Revolving credit balance:
| $3,879 | Stated income: | $25,000-$49,999 |
|
Amount delinquent:
| $2,820 |
Bankcard utilization:
| 61% | | |
|
Public records last 12m / 10y:
| 0/ 1 |
Homeownership:
| No | | |
|
Delinquencies in last 7y:
| 7 | | | | |
|
Screen name:
| market-protector |
Borrower's state:
| Louisiana |
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 STOCK
Purpose of loan:
This loan will be used to? BUY STOCK
My financial situation:
I am a good candidate for this loan because? I LIVE AT HOME SINCE MY DIVORCE IN 2006, I HAVE WORKED FOR MY PRESENT EMPLOYER FOR THE PAST 7 YEARS
Monthly net income: $ 2500-3000
Monthly expenses: $
??Housing: $ 250
??Insurance: $ 65
??Car expenses: $ 0
??Utilities: $ 50
??Phone, cable, internet: $ 150
??Food, entertainment: $ 200
??Clothing, household expenses $ 150
??Credit cards and other loans: $ 2000
??Other expenses: $ 0
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
454062
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
|
Amount:
| $7,000.00 |
Prosper Rating:
| A |
Auction Duration:
| 7 days
|
|
Term:
| 36 months |
Estimated loss:
| 2.1% | | |
| | | |
|
|
Starting lender yield:
| 10.00% |
Starting borrower rate/APR:
| 11.00% / 13.12% |
Starting monthly payment:
| $229.17 |
| |
|
Auction yield range:
| 4.04% - 10.00% |
Estimated loss impact:
| 2.13% | | |
|
Lender servicing fee:
| 1.00% |
Estimated return:
| 7.87% | | |
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
|
Prosper scores:
| |
First credit line:
| Jun-1988 |
Debt/Income ratio:
| 29% |
|
Basic (1-10):
| 9 |
Inquiries last 6m:
| 1 | Employment status: | Full-time employee |
| Enhanced (1-5): | 3 |
Current / open credit lines:
| 13
/
13 | Length of status: | 4y 3m |
|
Credit score:
| 720-739 (Apr-2010) |
Total credit lines:
| 45 |
Occupation: | Tradesman - Electri... |
|
Now delinquent:
| 0 |
Revolving credit balance:
| $79,837 | Stated income: | $75,000-$99,999 |
|
Amount delinquent:
| $0 |
Bankcard utilization:
| 85% | | |
|
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| Yes | | |
|
Delinquencies in last 7y:
| 0 | | | | |
|
Screen name:
| willinvest |
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.
Prosper Activity
| Loan history | Payment history | Credit score history |
|
Active / total loans:
| 0 / 1 |
On-time:
| 18 ( 100% )
| 720-739 (Latest)
|
|
Principal borrowed:
| $10,000.00 | < mo. late:
| 0
( 0% )
| 760-779
(Jun-2008)
760-779
(Oct-2007)
|
|
Principal balance:
| $0.00 |
1+ mo. late:
| 0
( 0% )
|
|
Total payments billed:
| 18 | | |
Description
Rental property rehab
Purpose of loan:
This loan will be used to pay off my wife's automobile.This will allow use to free some money for other uses.
My financial situation:
I am a good candidate for this loan because I'm retired military, I receive disability and I work in a government shipyard as a nuclear electrician. My net income is $7,500, My wife's is $2,700
Housing- $986
Insurance-$115
Car expense-$495
Utilities-$120
Phone,cable,internet- free my wife works for the cable company
Food,entertainment-$400
Clothing,household expenses-$100
Credit cards-$400
other-HELOC-$500
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
454298
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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:
| 13.03% |
Starting borrower rate/APR:
| 14.03% / 16.19% |
Starting monthly payment:
| $68.38 |
| |
|
Auction yield range:
| 6.04% - 13.03% |
Estimated loss impact:
| 5.22% | | |
|
Lender servicing fee:
| 1.00% |
Estimated return:
| 7.81% | | |
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
|
Prosper scores:
| |
First credit line:
| Aug-1989 |
Debt/Income ratio:
| Not calculated |
|
Basic (1-10):
| 8 |
Inquiries last 6m:
| 0 | Employment status: | Not employed |
| Enhanced (1-5): | 3 |
Current / open credit lines:
| 10
/
9 | Length of status: | 0y 11m |
|
Credit score:
| 720-739 (Apr-2010) |
Total credit lines:
| 25 | Stated income: | Not employed |
|
Now delinquent:
| 1 |
Revolving credit balance:
| $283,039 | |
|
Amount delinquent:
| $8,835 |
Bankcard utilization:
| 92% | | |
|
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| Yes | | |
|
Delinquencies in last 7y:
| 1 | | | | |
|
Screen name:
| peaceful-capital7 |
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
health empowerment
my purpose for my loan is to purchase a road bike. i've found a deal for a colnago carbon fiber frame bike. i'm currently separated and unemployed. i'm currently receiving temporary disability checks. i would like to buy this road bike for health and enjoyment of being outdoors. this is a hobby that i have always wanted to start. i can pay $50-100 per month and if necessary can pay the loan in full if needed.
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
454322
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
|
Amount:
| $1,500.00 |
Prosper Rating:
| A |
Auction Duration:
| 7 days
|
|
Term:
| 36 months |
Estimated loss:
| 2.1% | | |
| | | |
|
|
Starting lender yield:
| 8.38% |
Starting borrower rate/APR:
| 9.38% / 11.72% |
Starting monthly payment:
| $47.97 |
| |
|
Auction yield range:
| 4.04% - 8.38% |
Estimated loss impact:
| 2.12% | | |
|
Lender servicing fee:
| 1.00% |
Estimated return:
| 6.26% | | |
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
|
Prosper scores:
| |
First credit line:
| Jun-2006 |
Debt/Income ratio:
| 10% |
|
Basic (1-10):
| 9 |
Inquiries last 6m:
| 1 | Employment status: | Full-time employee |
| Enhanced (1-5): | 4 |
Current / open credit lines:
| 8
/
7 | Length of status: | 1y 10m |
|
Credit score:
| 700-719 (Mar-2010) |
Total credit lines:
| 16 |
Occupation: | Sales - Commission |
|
Now delinquent:
| 0 |
Revolving credit balance:
| $688 | 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:
| orange-dime-zone |
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
Consolidation of Credit Cards
Purpose of loan:
This loan will be used to consolidate small balances on store cards and major credit cards.
My financial situation:
I am a good candidate for this loan because I currently work full-time as well as work part-time as a restaurant server to earn additional income.? I am financially independent and keep current with my financial responsibilities.? I share an apartment and all expenses?with my fiance and our one-year-old son.? We are both employed and working toward paying off high interest debt.
Monthly net income: $
Net take-home (monthly) from my full-time job = $1500 (this does not include commission and other incentives based on sales.)
Net take-home (monthly) from my part-time job = $600
Total monthly income = $2,100
Monthly expenses: $
??Housing:?$285
??Insurance: $50
??Car expenses:?No car payment?
??Utilities: $90
??Phone, cable, internet: $110
??Food, entertainment: $300
??Clothing, household expenses $250
??Credit cards and other loans: $300?
Total monthly expenses:? $1,385
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
448667
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
|
Amount:
| $21,200.00 |
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:
| $688.85 |
| |
|
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:
| May-1994 |
Debt/Income ratio:
| 19% |
|
Basic (1-10):
| 7 |
Inquiries last 6m:
| 0 | Employment status: | Full-time employee |
| Enhanced (1-5): | 5 |
Current / open credit lines:
| 15
/
14 | Length of status: | 13y 0m |
|
Credit score:
| 800-819 (Apr-2010) |
Total credit lines:
| 37 |
Occupation: | Professional |
|
Now delinquent:
| 0 |
Revolving credit balance:
| $23,056 | Stated income: | $75,000-$99,999 |
|
Amount delinquent:
| $0 |
Bankcard utilization:
| 44% | | |
|
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| Yes | | |
|
Delinquencies in last 7y:
| 0 | | | | |
|
Screen name:
| enriched-euro8 |
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
Credit Card Debt
Purpose of loan:
This loan will be used to? help me?help my mom get rid of this bad debt she accrued with horrible loan terms and terrible times.?
My financial situation:
I am a good candidate for this loan because?very responsible, pretty secure employment?& I'm helping my?disabled mother get out of her debt for good.
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
451371
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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:
| 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:
| $360.50 |
| |
|
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-2004 |
Debt/Income ratio:
| 6% |
|
Basic (1-10):
| 5 |
Inquiries last 6m:
| 6 | Employment status: | Full-time employee |
| Enhanced (1-5): | 4 |
Current / open credit lines:
| 7
/
7 | Length of status: | 10y 0m |
|
Credit score:
| 800-819 (Mar-2010) |
Total credit lines:
| 10 |
Occupation: | Computer Programmer |
|
Now delinquent:
| 0 |
Revolving credit balance:
| $312 | Stated income: | $75,000-$99,999 |
|
Amount delinquent:
| $0 |
Bankcard utilization:
| 1% | | |
|
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| Yes | | |
|
Delinquencies in last 7y:
| 0 | | | | |
|
Screen name:
| upholder236 |
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
Equipment for Startup Franchise
I and my wife are planning about starting a business for around 2 years and decided to proceed with this opportunity after we finalized the franchise (Jakes hamburgers) and the location.
Loan Purpose:
The loan will be used to acquire the equipments not covered by lease to start the business. We have invested $45,000 already in the business and arranged loans through SBA, equipment leasing and other loans for around $120,000. We are in need of around $25k to get the business started.
We will be opening the store with 10k in our business account and also we will have 5k in our personal account. I will be maintaining my full time job and my wife will be working full time in the restaurant.?? We have secured a prime location anchored to Wal-Mart and Sam?s club and Business Park with 50,000 employees. Even with conservative approach of monthly sales $42,000 ($1400 a day), we will be making profit.? We estimate the sales to be around $55,000 per month.
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
452487
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
|
Amount:
| $5,000.00 |
Prosper Rating:
| A |
Auction Duration:
| 7 days
|
|
Term:
| 36 months |
Estimated loss:
| 2.1% | | |
| | | |
|
|
Starting lender yield:
| 9.00% |
Starting borrower rate/APR:
| 10.00% / 12.11% |
Starting monthly payment:
| $161.34 |
| |
|
Auction yield range:
| 4.04% - 9.00% |
Estimated loss impact:
| 2.12% | | |
|
Lender servicing fee:
| 1.00% |
Estimated return:
| 6.88% | | |
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
|
Prosper scores:
| |
First credit line:
| Jun-1999 |
Debt/Income ratio:
| 5% |
|
Basic (1-10):
| 8 |
Inquiries last 6m:
| 3 | Employment status: | Full-time employee |
| Enhanced (1-5): | 5 |
Current / open credit lines:
| 11
/
9 | Length of status: | 8y 10m |
|
Credit score:
| 760-779 (Apr-2010) |
Total credit lines:
| 27 |
Occupation: | Engineer - Mechanic... |
|
Now delinquent:
| 0 |
Revolving credit balance:
| $11,766 | 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:
| Creidhe |
Borrower's state:
| Hawaii |
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:
| 8 ( 100% )
| 760-779 (Latest)
|
|
Principal borrowed:
| $10,700.00 | < mo. late:
| 0
( 0% )
| 780-799
(Feb-2010)
760-779
(Jun-2008)
800-819
(Nov-2007)
|
|
Principal balance:
| $0.00 |
1+ mo. late:
| 0
( 0% )
|
|
Total payments billed:
| 8 | | |
Description
Minor house repairs!
Purpose of loan:
I currently own a rental property which needs a few minor updates (appliances and cosmetic repairs).
My financial situation:
I am a homeowner and happily employed as an engineer at a major defense contractor.? My husband and I enjoy a simple life and generally carry no debt.?? I am not and have never been delinquent on any payments. This loan will be my third Prosper loan.
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
453579
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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:
| 25.0% | | |
| | | |
|
|
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:
| 27.01% | | |
|
Lender servicing fee:
| 1.00% |
Estimated return:
| 6.99% | | |
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
|
Prosper scores:
| |
First credit line:
| Aug-1994 |
Debt/Income ratio:
| Self-employed (DTI Not Calculated) |
|
Basic (1-10):
| 2 |
Inquiries last 6m:
| 3 | Employment status: | Self-employed |
| Enhanced (1-5): | 2 |
Current / open credit lines:
| 13
/
11 | Length of status: | 5y 8m |
|
Credit score:
| 660-679 (Apr-2010) |
Total credit lines:
| 30 |
Occupation: | Executive |
|
Now delinquent:
| 0 |
Revolving credit balance:
| $28,580 | Stated income: | $50,000-$74,999 |
|
Amount delinquent:
| $0 |
Bankcard utilization:
| 89% | | |
|
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| Yes | | |
|
Delinquencies in last 7y:
| 0 | | | | |
|
Screen name:
| excellent-balance0 |
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
Hire two new sales people
Purpose of loan:
This loan will be used to? Hire two new sales people to grow our point of use water purification business. This business is a great opportunity to provide businesses with a better solution than bottled water and all of the problems bottled water causes the environment. This is a go green business that is at the leading edge of reducing environmental impact.
My financial situation:
I am a good candidate for this loan because? I have been in business for over 1 1/2 years and there is more demand than I can handle so I need to be able to hire qualified and competent sales people. I would like to have a small nest egg during the ramp up period so I do not have to worry about making payroll in the first couple of months for these new hires. After that they will be able to pay for themselves quite easily.
Monthly net income: $ 4000
Monthly expenses: $?3195
??Housing: $ 1000
??Insurance: $ 100
??Car expenses: $?200
??Utilities: $ 120
??Phone, cable, internet: $ 75
??Food, entertainment: $?500
??Clothing, household expenses $ 350
??Credit cards and other loans: $ 500
??Other expenses: $ 350
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
453625
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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:
| 11.04% |
Starting borrower rate/APR:
| 12.04% / 14.17% |
Starting monthly payment:
| $432.03 |
| |
|
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:
| Nov-1994 |
Debt/Income ratio:
| 25% |
|
Basic (1-10):
| 6 |
Inquiries last 6m:
| 1 | Employment status: | Full-time employee |
| Enhanced (1-5): | 3 |
Current / open credit lines:
| 6
/
5 | Length of status: | 1y 2m |
|
Credit score:
| 720-739 (Apr-2010) |
Total credit lines:
| 17 |
Occupation: | Other |
|
Now delinquent:
| 1 |
Revolving credit balance:
| $3,518 | Stated income: | $50,000-$74,999 |
|
Amount delinquent:
| $0 |
Bankcard utilization:
| 33% | | |
|
Public records last 12m / 10y:
| 0/ 1 |
Homeownership:
| No | | |
|
Delinquencies in last 7y:
| 6 | | | | |
|
Screen name:
| scholarly-rupee2 |
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
home improvements
Purpose of loan:
This loan will be used to? for a addition on my home,,im short the $13000 on a 60000 addition
My financial situation:
I am a good candidate for this loan because?
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
453997
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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:
| Jun-1997 |
Debt/Income ratio:
| 18% |
|
Basic (1-10):
| 7 |
Inquiries last 6m:
| 0 | Employment status: | Full-time employee |
| Enhanced (1-5): | 5 |
Current / open credit lines:
| 11
/
9 | Length of status: | 0y 3m |
|
Credit score:
| 660-679 (Apr-2010) |
Total credit lines:
| 32 |
Occupation: | Computer Programmer |
|
Now delinquent:
| 0 |
Revolving credit balance:
| $2,543 | Stated income: | $50,000-$74,999 |
|
Amount delinquent:
| $0 |
Bankcard utilization:
| 67% | | |
|
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| Yes | | |
|
Delinquencies in last 7y:
| 5 | | | | |
|
Screen name:
| afsmith |
Borrower's state:
| Maryland |
Borrower's group:
| Fix your credit, then get a loan. |
Credit and homeownership information was obtained 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:
| 5 ( 100% )
| 660-679 (Latest)
|
|
Principal borrowed:
| $4,500.00 | < mo. late:
| 0
( 0% )
| 640-659
(May-2008)
660-679
(Apr-2008)
|
|
Principal balance:
| $0.00 |
1+ mo. late:
| 0
( 0% )
|
|
Total payments billed:
| 5 | | |
Description
Money to finance website creation
Purpose of loan:
I am a web designer who currently owns and maintains 50+ niche websites.? I am planning the creation of another website that will earn additional income.? I have years of experience in web design and SEO optimization and I know how to earn an income online.
My financial situation:
I am a great candidate for this loan because I have a well-paying day job as a web developer for a reputable tech company.? Also, I earn $1000 per month from my portfolio of websites.?
I can easily repay this loan.? I hold much importance in my credit rating and I take my financial obligations very seriously.
Monthly net income: $
5,000
Monthly expenses: $
??Housing: $
1200
??Insurance: $
200
??Car expenses: $
500
??Utilities: $ 100
??Phone, cable, internet: $
200
??Food, entertainment: $
300
??Clothing, household expenses $ 50
??Credit cards and other loans: $
200
??Other expenses: $
100
Total Monthly Expenses: $2,850
Time of Employment
? I have worked with my current company for 3 months but I just left another company where I worked for 3 years.? I left for a significant salary increase.
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
454003
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
|
Amount:
| $1,600.00 |
Prosper Rating:
| HR |
Auction Duration:
| 7 days
|
|
Term:
| 36 months |
Estimated loss:
| 18.0% | | |
| | | |
|
|
Starting lender yield:
| 34.00% |
Starting borrower rate/APR:
| 35.00% / 37.56% |
Starting monthly payment:
| $72.38 |
| |
|
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-1998 |
Debt/Income ratio:
| Not calculated |
|
Basic (1-10):
| 4 |
Inquiries last 6m:
| 0 | Employment status: | Full-time employee |
| Enhanced (1-5): | 4 |
Current / open credit lines:
| 6
/
6 | Length of status: | 5y 8m |
|
Credit score:
| 680-699 (Apr-2010) |
Total credit lines:
| 18 |
Occupation: | Food Service |
|
Now delinquent:
| 2 |
Revolving credit balance:
| $3,982 | Stated income: | $25,000-$49,999 |
|
Amount delinquent:
| $3,265 |
Bankcard utilization:
| 83% | | |
|
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| No | | |
|
Delinquencies in last 7y:
| 0 | | | | |
|
Screen name:
| Hephaistion |
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.
Prosper Activity
| Loan history | Payment history | Credit score history |
|
Active / total loans:
| 0 / 1 |
On-time:
| 8 ( 100% )
| 680-699 (Latest)
|
|
Principal borrowed:
| $1,000.00 | < mo. late:
| 0
( 0% )
| 660-679
(Aug-2009)
620-639
(May-2009)
600-619
(Sep-2008)
600-619
(Dec-2007)
|
|
Principal balance:
| $0.00 |
1+ mo. late:
| 0
( 0% )
|
|
Total payments billed:
| 8 | | |
Description
Extra cash for advertising
Purpose of loan:
This money will be used to pay for several different streams of advertising for my new business. Don't have immediate cash on hand to fund the advertising i need to help build current sales.
My financial situation:
I am a good candidate for this loan because I don't carry many monthly bills and i'm still working full time at my current job. So i will be able to pay this loan back without any worry. I have had another loan through Prosper which was repaid early. In addition I also have money invested into Prosper so I'm not going anywhere.
Monthly net income: $
2800
Monthly expenses: $
??Housing: $
540.00
??Insurance: $
??Car expenses: $
??Utilities: $
40.00
??Phone, cable, internet: $ 200.00
??Food, entertainment: $
250.00
??Clothing, household expenses $
100.00
??Credit cards and other loans: $
300.00
??Other expenses: $
150.00
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
454009
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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:
| 26.04% |
Starting borrower rate/APR:
| 27.04% / 29.37% |
Starting monthly payment:
| $204.23 |
| |
|
Auction yield range:
| 8.04% - 26.04% |
Estimated loss impact:
| 7.12% | | |
|
Lender servicing fee:
| 1.00% |
Estimated return:
| 18.92% | | |
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
|
Prosper scores:
| |
First credit line:
| Jul-1997 |
Debt/Income ratio:
| 36% |
|
Basic (1-10):
| 9 |
Inquiries last 6m:
| 1 | Employment status: | Full-time employee |
| Enhanced (1-5): | 3 |
Current / open credit lines:
| 14
/
13 | Length of status: | 0y 6m |
|
Credit score:
| 660-679 (Apr-2010) |
Total credit lines:
| 32 |
Occupation: | Executive |
|
Now delinquent:
| 0 |
Revolving credit balance:
| $48,119 | Stated income: | $100,000+ |
|
Amount delinquent:
| $0 |
Bankcard utilization:
| 79% | | |
|
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| Yes | | |
|
Delinquencies in last 7y:
| 0 | | | | |
|
Screen name:
| mighty-deal6 |
Borrower's state:
| California |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Description
Debt Consolidation
Purpose of loan:
This loan will be used to? Debt Consolidation.pay down high interest rates on credit cards
My financial situation:
I am a good candidate for this loan because? I am gainfully employed and pay all my debts.
Monthly net income: $ 1800
Monthly expenses: $?3800
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
454015
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
|
Amount:
| $3,250.00 |
Prosper Rating:
| D |
Auction Duration:
| 7 days
|
|
Term:
| 36 months |
Estimated loss:
| 10.0% | | |
| | | |
|
|
Starting lender yield:
| 14.99% |
Starting borrower rate/APR:
| 15.99% / 18.17% |
Starting monthly payment:
| $114.24 |
| |
|
Auction yield range:
| 11.04% - 14.99% |
Estimated loss impact:
| 10.34% | | |
|
Lender servicing fee:
| 1.00% |
Estimated return:
| 4.65% | | |
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
|
Prosper scores:
| |
First credit line:
| Sep-2003 |
Debt/Income ratio:
| 23% |
|
Basic (1-10):
| 7 |
Inquiries last 6m:
| 1 | Employment status: | Full-time employee |
| Enhanced (1-5): | 4 |
Current / open credit lines:
| 10
/
10 | Length of status: | 2y 3m |
|
Credit score:
| 660-679 (Apr-2010) |
Total credit lines:
| 14 |
Occupation: | Other |
|
Now delinquent:
| 0 |
Revolving credit balance:
| $9,997 | Stated income: | $25,000-$49,999 |
|
Amount delinquent:
| $0 |
Bankcard utilization:
| 58% | | |
|
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| No | | |
|
Delinquencies in last 7y:
| 0 | | | | |
|
Screen name:
| leverage-channel |
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
Want to be debt free
??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
454033
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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:
| 25.0% | | |
| | | |
|
|
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:
| 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:
| Oct-1995 |
Debt/Income ratio:
| 21% |
|
Basic (1-10):
| 2 |
Inquiries last 6m:
| 7 | Employment status: | Full-time employee |
| Enhanced (1-5): | 1 |
Current / open credit lines:
| 1
/
2 | Length of status: | 5y 0m |
|
Credit score:
| 640-659 (Apr-2010) |
Total credit lines:
| 65 |
Occupation: | Scientist |
|
Now delinquent:
| 6 |
Revolving credit balance:
| $9,442 | Stated income: | $25,000-$49,999 |
|
Amount delinquent:
| $6,750 |
Bankcard utilization:
| 35% | | |
|
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| No | | |
|
Delinquencies in last 7y:
| 62 | | | | |
|
Screen name:
| caring-contract |
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 a new car
Purpose of loan:
This loan will be used to put down a down payment toward a new car.
My financial situation:
I am a good candidate for this loan because i have a secure job that pays me well.
Monthly net income: $3,200
Monthly expenses: $8
??Housing: $450??
??Insurance: $50
??Car expenses: $50
??Utilities: $75
??Phone, cable, internet: $40
??Food, entertainment: $100
??Clothing, household expenses $50
??Credit cards and other loans: $150
??Other expenses: $
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
454035
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
|
Amount:
| $25,000.00 |
Prosper Rating:
| C |
Auction Duration:
| 7 days
|
|
Term:
| 36 months |
Estimated loss:
| 6.2% | | |
| | | |
|
|
Starting lender yield:
| 21.53% |
Starting borrower rate/APR:
| 22.53% / 24.80% |
Starting monthly payment:
| $961.63 |
| |
|
Auction yield range:
| 8.04% - 21.53% |
Estimated loss impact:
| 6.71% | | |
|
Lender servicing fee:
| 1.00% |
Estimated return:
| 14.82% | | |
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
|
Prosper scores:
| |
First credit line:
| Feb-1996 |
Debt/Income ratio:
| 30% |
|
Basic (1-10):
| 4 |
Inquiries last 6m:
| 2 | Employment status: | Full-time employee |
| Enhanced (1-5): | 4 |
Current / open credit lines:
| 13
/
12 | Length of status: | 3y 7m |
|
Credit score:
| 800-819 (Apr-2010) |
Total credit lines:
| 32 |
Occupation: | Executive |
|
Now delinquent:
| 0 |
Revolving credit balance:
| $3,645 | Stated income: | $100,000+ |
|
Amount delinquent:
| $0 |
Bankcard utilization:
| 0% | | |
|
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| Yes | | |
|
Delinquencies in last 7y:
| 0 | | | | |
|
Screen name:
| studious-leverage1 |
Borrower's state:
| Maryland |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Description
payoff credit cards
Purpose of loan:
This loan will be used to? consolidate credits into one monthly payment.
My financial situation:
I am a good candidate for this loan because? I pay all of my bills on time and always have. I just want to to reduce my monthly payments and consolidate all credit cards into one bill. My job pays well.
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
454039
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
|
Amount:
| $3,700.00 |
Prosper Rating:
| HR |
Auction Duration:
| 7 days
|
|
Term:
| 36 months |
Estimated loss:
| 25.0% | | |
| | | |
|
|
Starting lender yield:
| 34.00% |
Starting borrower rate/APR:
| 35.00% / 37.45% |
Starting monthly payment:
| $167.37 |
| |
|
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:
| Jan-1998 |
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:
| 5
/
4 | Length of status: | 3y 3m |
|
Credit score:
| 640-659 (Apr-2010) |
Total credit lines:
| 28 |
Occupation: | Computer Programmer |
|
Now delinquent:
| 1 |
Revolving credit balance:
| $378 | Stated income: | $25,000-$49,999 |
|
Amount delinquent:
| $9,453 |
Bankcard utilization:
| 94% | | |
|
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| No | | |
|
Delinquencies in last 7y:
| 0 | | | | |
|
Screen name:
| coin-spilunker3 |
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
Paying settlement on collections
Purpose of loan:
This loan will be used as additional funds to pay a settlement offer on a bad debt from years ago. I have been making monthly payments on the collections account for 2 years.
My financial situation:
I am a good candidate for this loan because I have been working on rebuilding my credit over the last few years. I pay all of my bills on time and understand the importance of meeting my financial obligations because I have learned from past mistakes using credit. I do not want to ruin all of the hard work I've put into boosting my credit score.
Monthly net income: $3-4000
Monthly expenses: $
??Housing: $0 (I live with family and have no rent payment)
??Insurance: $50
??Car expenses: $100
??Utilities: $50 (my share of household expenses)
??Phone, cable, internet: $50 (my share of household expenses)
??Food, entertainment: $200
??Clothing, household expenses $150
(my share of household expenses)
??Credit cards and other loans: $200 (this is the amount per month I am paying toward a collections account)
??Other expenses: $80 (student loan payment)
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
454045
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
|
Amount:
| $7,000.00 |
Prosper Rating:
| HR |
Auction Duration:
| 7 days
|
|
Term:
| 36 months |
Estimated loss:
| 18.0% | | |
| | | |
|
|
Starting lender yield:
| 23.00% |
Starting borrower rate/APR:
| 24.00% / 26.29% |
Starting monthly payment:
| $274.63 |
| |
|
Auction yield range:
| 17.04% - 23.00% |
Estimated loss impact:
| 19.32% | | |
|
Lender servicing fee:
| 1.00% |
Estimated return:
| 3.68% | | |
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
|
Prosper scores:
| |
First credit line:
| Aug-1996 |
Debt/Income ratio:
| 20% |
|
Basic (1-10):
| 4 |
Inquiries last 6m:
| 0 | Employment status: | Retired |
| Enhanced (1-5): | 2 |
Current / open credit lines:
| 2
/
2 | Length of status: | 10y 10m |
|
Credit score:
| 660-679 (Apr-2010) |
Total credit lines:
| 13 | Stated income: | $1-$24,999 |
|
Now delinquent:
| 3 |
Revolving credit balance:
| $2,471 | |
|
Amount delinquent:
| $0 |
Bankcard utilization:
| 99% | | |
|
Public records last 12m / 10y:
| 0/ 1 |
Homeownership:
| Yes | | |
|
Delinquencies in last 7y:
| 0 | | | | |
|
Screen name:
| money-trophy |
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 andhouse repai
Purpose of loan:
This loan will be used to? pay off credit cards and some small repairs to my home.
My financial situation:
I am a good candidate for this loan because? I am an honest person and will pay my bills. I had a major set back 9 years ago that cause me to be unable to work. I had a major operation that left me unable to?work ?I was gainly employed for 33 years with United Stationers Inc .My husband had two back surgeries,?in?? 2004???
He was employed with ITW?for 19 years.We needs this loan.
Monthly net income: $ 3800
Monthly expenses: $
??Housing: $ 886.00 included taxes ins
??Insurance: $ 0
??Car expenses: $?300
??Utilities: $ 350
??Phone, cable, internet: $ 170
??Food, entertainment: $ 300
??Clothing, household expenses $ 75
??Credit cards and other loans: $ 400
??Other expenses: $ 200
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
454047
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
|
Amount:
| $5,000.00 |
Prosper Rating:
| D |
Auction Duration:
| 7 days
|
|
Term:
| 36 months |
Estimated loss:
| 10.0% | | |
| | | |
|
|
Starting lender yield:
| 30.22% |
Starting borrower rate/APR:
| 31.22% / 33.62% |
Starting monthly payment:
| $215.61 |
| |
|
Auction yield range:
| 11.04% - 30.22% |
Estimated loss impact:
| 10.76% | | |
|
Lender servicing fee:
| 1.00% |
Estimated return:
| 19.46% | | |
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
|
Prosper scores:
| |
First credit line:
| Aug-1992 |
Debt/Income ratio:
| 14% |
|
Basic (1-10):
| 6 |
Inquiries last 6m:
| 4 | Employment status: | Full-time employee |
| Enhanced (1-5): | 4 |
Current / open credit lines:
| 7
/
7 | Length of status: | 3y 1m |
|
Credit score:
| 720-739 (Apr-2010) |
Total credit lines:
| 24 |
Occupation: | Other |
|
Now delinquent:
| 1 |
Revolving credit balance:
| $7,966 | Stated income: | $25,000-$49,999 |
|
Amount delinquent:
| $0 |
Bankcard utilization:
| 44% | | |
|
Public records last 12m / 10y:
| 0/ 1 |
Homeownership:
| Yes | | |
|
Delinquencies in last 7y:
| 0 | | | | |
|
Screen name:
| p2p-trophy0 |
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
Comparing rates on an auto purchase
Purpose of loan:
I am purchasing a car.? I have already been approved for a loan with a decent rate from Ford Credit, but I would just like to compare rates here as well.
My financial situation:
I am a good candidate for this loan because I have a credit score over 700, own my own home and have a good debt-to-income ratio.? I am a good credit risk.
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
454051
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
|
Amount:
| $4,000.00 |
Prosper Rating:
| A |
Auction Duration:
| 7 days
|
|
Term:
| 36 months |
Estimated loss:
| 2.1% | | |
| | | |
|
|
Starting lender yield:
| 14.30% |
Starting borrower rate/APR:
| 15.30% / 17.47% |
Starting monthly payment:
| $139.25 |
| |
|
Auction yield range:
| 4.04% - 14.30% |
Estimated loss impact:
| 2.16% | | |
|
Lender servicing fee:
| 1.00% |
Estimated return:
| 12.14% | | |
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
|
Prosper scores:
| |
First credit line:
| Jan-2000 |
Debt/Income ratio:
| 55% |
|
Basic (1-10):
| 9 |
Inquiries last 6m:
| 1 | Employment status: | Full-time employee |
| Enhanced (1-5): | 3 |
Current / open credit lines:
| 21
/
17 | Length of status: | 5y 11m |
|
Credit score:
| 700-719 (Apr-2010) |
Total credit lines:
| 34 |
Occupation: | Professional |
|
Now delinquent:
| 0 |
Revolving credit balance:
| $15,128 | Stated income: | $50,000-$74,999 |
|
Amount delinquent:
| $0 |
Bankcard utilization:
| 70% | | |
|
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| Yes | | |
|
Delinquencies in last 7y:
| 0 | | | | |
|
Screen name:
| newest-unconquerable-p2ploan |
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
Baby girl is on the way : )
Purpose of loan:
This loan will be used to... get the room ready for my new born baby girl.? Any help will be greatly appreciated.
My financial situation:
I am a good candidate for this loan because?I have had no lates, collections, or other negative marks on my credit. I have no outstanding collections and everything on my credit report is current.
Monthly net income: $ 4300
Monthly expenses: $ 2100
? Housing: $800
? Insurance: $100
? Car expenses: $200
? Utilities: $100
? Phone, cable, internet: $100
? Food, entertainment: $300
? Clothing, household expenses $200
? Credit cards and other loans: $300
? Other expenses: $?
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
454053
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
|
Amount:
| $2,800.00 |
Prosper Rating:
| AA |
Auction Duration:
| 7 days
|
|
Term:
| 36 months |
Estimated loss:
| 0.6% | | |
| | | |
|
|
Starting lender yield:
| 6.13% |
Starting borrower rate/APR:
| 7.13% / 7.47% |
Starting monthly payment:
| $86.62 |
| |
|
Auction yield range:
| 3.04% - 6.13% |
Estimated loss impact:
| 0.60% | | |
|
Lender servicing fee:
| 1.00% |
Estimated return:
| 5.53% | | |
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
|
Prosper scores:
| |
First credit line:
| Aug-1992 |
Debt/Income ratio:
| 23% |
|
Basic (1-10):
| 10 |
Inquiries last 6m:
| 1 | Employment status: | Full-time employee |
| Enhanced (1-5): | 3 |
Current / open credit lines:
| 13
/
11 | Length of status: | 12y 0m |
|
Credit score:
| 820-839 (Apr-2010) |
Total credit lines:
| 45 |
Occupation: | Administrative Assi... |
|
Now delinquent:
| 0 |
Revolving credit balance:
| $1,619 | Stated income: | $50,000-$74,999 |
|
Amount delinquent:
| $0 |
Bankcard utilization:
| 3% | | |
|
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| Yes | | |
|
Delinquencies in last 7y:
| 0 | | | | |
|
Screen name:
| giant452 |
Borrower's state:
| NewYork |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Description
paying off credit cards/trip
Purpose of loan:
This loan will be used to? pay off credit cards that was used to fly from our home in NY. to OK. for my wifes grandmothers funeral.
My financial situation:
I am a good candidate for this loan because? my wife and?I have good paying jobs with an excellent credit rating and we are in the process of debt snowballing to pay off all our debt.
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
454057
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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:
| Jul-1975 |
Debt/Income ratio:
| 11% |
|
Basic (1-10):
| 5 |
Inquiries last 6m:
| 3 | Employment status: | Full-time employee |
| Enhanced (1-5): | 5 |
Current / open credit lines:
| 18
/
17 | Length of status: | 40y 10m |
|
Credit score:
| 700-719 (Apr-2010) |
Total credit lines:
| 36 |
Occupation: | Skilled Labor |
|
Now delinquent:
| 0 |
Revolving credit balance:
| $4,188 | Stated income: | $100,000+ |
|
Amount delinquent:
| $0 |
Bankcard utilization:
| 49% | | |
|
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| Yes | | |
|
Delinquencies in last 7y:
| 17 | | | | |
|
Screen name:
| diversification-goliath |
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
NEW ROOF
Purpose of loan:
This loan will be used to? is to put a new roof on our house as the roof we have right now is over 20 years old and is due as you can tell by looking at it
My financial situation:
I am a good candidate for this loan because? well because i have $2,000 towards it i mean i have gotten quotes from $4,000 to $6,000 and i will be paying this back within a year and yes we have the ability to pay this back, as we both work, and both have a good income as i said we will be paying this back within a year.
Monthly net income: $ 6,200
Monthly expenses: $
??Housing: $ 840.00
??Insurance: $ 150
??Car expenses: $ 597.00
??Utilities: $?130.00
??Phone, cable, internet: $ 160.00
??Food, entertainment: $300
??Clothing, household expenses $ 100
??Credit cards and other loans: $ 300
??Other expenses: $ 100
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
454071
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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:
| 34.5% | | |
| | | |
|
|
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:
| 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:
| May-2000 |
Debt/Income ratio:
| 17% |
|
Basic (1-10):
| 1 |
Inquiries last 6m:
| 3 | Employment status: | Full-time employee |
| Enhanced (1-5): | 3 |
Current / open credit lines:
| 6
/
4 | Length of status: | 4y 6m |
|
Credit score:
| 640-659 (Apr-2010) |
Total credit lines:
| 22 |
Occupation: | Food Service Manage... |
|
Now delinquent:
| 1 |
Revolving credit balance:
| $973 | Stated income: | $50,000-$74,999 |
|
Amount delinquent:
| $542 |
Bankcard utilization:
| 97% | | |
|
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| No | | |
|
Delinquencies in last 7y:
| 23 | | | | |
|
Screen name:
| optimizer541 |
Borrower's state:
| Massachusetts |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Description
other use
Purpose of loan:
This loan will be for home improvement.
My financial situation:
I am a good candidate for this loan because I have been currently working at Nestle Waters North America since 2005.
Monthly net income: $ 4317.00
Monthly expenses: $1100
??Housing: $725
??Insurance: $125
??Car expenses: $170
??Utilities: $
??Phone, cable, internet: $80
??Food, entertainment: $
??Clothing, household expenses $
??Credit cards and other loans: $
??Other expenses: $
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
454295
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
|
Amount:
| $2,500.00 |
Prosper Rating:
| HR |
Auction Duration:
| 7 days
|
|
Term:
| 36 months |
Estimated loss:
| 18.0% | | |
| | | |
|
|
Starting lender yield:
| 17.04% |
Starting borrower rate/APR:
| 18.04% / 20.25% |
Starting monthly payment:
| $90.43 |
| |
|
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:
| Nov-2008 |
Debt/Income ratio:
| 25% |
|
Basic (1-10):
| 4 |
Inquiries last 6m:
| 0 | Employment status: | Part-time employee |
| Enhanced (1-5): | 3 |
Current / open credit lines:
| 3
/
3 | Length of status: | 3y 8m |
|
Credit score:
| 660-679 (Apr-2010) |
Total credit lines:
| 3 |
Occupation: | Sales - Retail |
|
Now delinquent:
| 0 |
Revolving credit balance:
| $280 | Stated income: | $1-$24,999 |
|
Amount delinquent:
| $0 |
Bankcard utilization:
| 56% | | |
|
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| No | | |
|
Delinquencies in last 7y:
| 0 | | | | |
|
Screen name:
| reliable-basis |
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 Me Finish My Program
Purpose of loan:
I was enrolled at my local Community College in the Aviation Science program and I was doing something that I loved and that validated me. Unfortunately, through a turn of family events, I had to quit school to work more to help my family. Now I'm getting ready to join the military and the only thing I want to do before I leave is finish up the first part of my flight training. However, it is very hard for a college kid my age to get a loan through more traditional means (bank), which leaves me coming to you.?
My financial situation:
I am a good candidate for this loan because I have always put my bills first and have never had a late payment. Nothing will be late and that is a promise. I am also joining the military soon and that (relative) skyrocket in pay will help me pay you back even quicker.
Monthly net income: $
400
Monthly expenses: $
??Housing: $
??Insurance: $ 50
??Car expenses: $
50
??Utilities: $
??Phone, cable, internet: $
??Food, entertainment: $
??Clothing, household expenses $
30
??Credit cards and other loans: $
20
??Other expenses: $
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
454301
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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:
| 27.38% |
Starting borrower rate/APR:
| 28.38% / 30.73% |
Starting monthly payment:
| $311.77 |
| |
|
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:
| Jul-1990 |
Debt/Income ratio:
| 40% |
|
Basic (1-10):
| 7 |
Inquiries last 6m:
| 0 | Employment status: | Full-time employee |
| Enhanced (1-5): | 3 |
Current / open credit lines:
| 17
/
16 | Length of status: | 23y 3m |
|
Credit score:
| 640-659 (Apr-2010) |
Total credit lines:
| 37 |
Occupation: | Analyst |
|
Now delinquent:
| 0 |
Revolving credit balance:
| $55,909 | Stated income: | $75,000-$99,999 |
|
Amount delinquent:
| $0 |
Bankcard utilization:
| 95% | | |
|
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| Yes | | |
|
Delinquencies in last 7y:
| 0 | | | | |
|
Screen name:
| meteoric-gain |
Borrower's state:
| Michigan |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Description
Paying Off Credit cards
Purpose of loan:
Pay off multiple small credit cards plus a portion?of the highest interest card.? I do not expect that this will reduce my total monthly expenditure on debt but will allow me to gain some traction on my overall debt by reducing the interest rate on a portion of?the total.
My financial situation:
I am a good candidate for this loan because? I make all my payments on time.? Combined with my wife's income we make more than enough money to pay all our fixed and variable expenses each month -- but we cannot gain any traction on our debt and are paying too many minimums and most of that money is going to interest.?? I have stable employment, marital and family situation.? PS my Experian score shows as 705 - I just checked it.? Why do you show 640 to 659?
Monthly net income: $ $5239 + $2120 from spouse
Monthly expenses: $
??Housing: $ 1636 including home eq????
??Insurance: $ 120
??Car expenses: $?1300 including gas?and ins
??Utilities: $ 200
??Phone, cable, internet: $ 140
??Food, entertainment: $ 800
??Clothing, household expenses $150?
??Credit cards and other loans: $2100?
??Other expenses: $ 500
Information in the Description is not verified.