Listing Report:Supplement No. 222 dated Apr 22, 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
407106
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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:
| 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:
| $61.87 |
| |
|
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:
| Apr-1995 |
Debt/Income ratio:
| 22% |
|
Basic (1-10):
| 10 |
Inquiries last 6m:
| 2 | Employment status: | Full-time employee |
| Enhanced (1-5): | 4 |
Current / open credit lines:
| 11
/
10 | Length of status: | 8y 11m |
|
Credit score:
| 740-759 (Apr-2010) |
Total credit lines:
| 33 |
Occupation: | Nurse (RN) |
|
Now delinquent:
| 0 |
Revolving credit balance:
| $10,986 | Stated income: | $50,000-$74,999 |
|
Amount delinquent:
| $0 |
Bankcard utilization:
| 47% | | |
|
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| Yes | | |
|
Delinquencies in last 7y:
| 0 | | | | |
|
Screen name:
| MedicOne |
Borrower's state:
| Oklahoma |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
| Loan history | Payment history | Credit score history |
|
Active / total loans:
| 0 / 1 |
On-time:
| 30 ( 100% )
| 740-759 (Latest)
|
|
Principal borrowed:
| $1,500.00 | < mo. late:
| 0
( 0% )
| 740-759
(Nov-2007)
700-719
(Jan-2007)
700-719
(Nov-2006)
|
|
Principal balance:
| $0.00 |
1+ mo. late:
| 0
( 0% )
|
|
Total payments billed:
| 30 | | |
Description
Paying off Best Buy
?Looking for a short term loan to pay off a best buy account before the deferred interest is applied to the account.? Previous Prosper loan and current lender w/o problems.
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
455134
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
|
Amount:
| $4,000.00 |
Prosper Rating:
| HR |
Auction Duration:
| 7 days
|
|
Term:
| 36 months |
Estimated loss:
| 18.0% | | |
| | | |
|
|
Starting lender yield:
| 34.00% |
Starting borrower rate/APR:
| 35.00% / 37.45% |
Starting monthly payment:
| $180.94 |
| |
|
Auction yield range:
| 17.04% - 34.00% |
Estimated loss impact:
| 20.01% | | |
|
Lender servicing fee:
| 1.00% |
Estimated return:
| 13.99% | | |
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
|
Prosper scores:
| |
First credit line:
| Aug-2001 |
Debt/Income ratio:
| 17% |
|
Basic (1-10):
| 5 |
Inquiries last 6m:
| 0 | Employment status: | Full-time employee |
| Enhanced (1-5): | 5 |
Current / open credit lines:
| 9
/
8 | Length of status: | 7y 10m |
|
Credit score:
| 700-719 (Apr-2010) |
Total credit lines:
| 19 |
Occupation: | Civil Service |
|
Now delinquent:
| 1 |
Revolving credit balance:
| $51,363 | Stated income: | $50,000-$74,999 |
|
Amount delinquent:
| $9,781 |
Bankcard utilization:
| 95% | | |
|
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| Yes | | |
|
Delinquencies in last 7y:
| 3 | | | | |
|
Screen name:
| platinum-juniper8 |
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
Need help lowering my debt
Purpose of loan:
This loan will be used to? Pay off my credit cards so I can get a larger loan from my bank.
My financial situation:
I am a good candidate for this loan because? I have had an excellent payment history except for the 1 credit card that went into default. That was due to co-signing for a family member which is going to be resolved within the next month. Other than that 1 blemish I have had nothing by great credit. The credit card balances are high right now due to starting a new business which is now profitable however we are still in the early stages of the company so I would rather take out a loan than pull the fresh equity out of my company.????
Monthly net income: $ 3000-4000
Monthly expenses: $
??Housing: $ 1100????However?I have 2 roomates that lowers my?house payment to?$300
??Insurance: $ 100
??Car expenses: $ 0 paid off
??Utilities: $ 250
??Phone, cable, internet: $ 100
??Food, entertainment: $ 200
??Clothing, household expenses $ 150
??Credit cards and other loans: $ 450
??Other expenses: $ 100
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
455140
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
|
Amount:
| $5,000.00 |
Prosper Rating:
| D |
Auction Duration:
| 7 days
|
|
Term:
| 36 months |
Estimated loss:
| 10.0% | | |
| | | |
|
|
Starting lender yield:
| 27.38% |
Starting borrower rate/APR:
| 29.38% / 31.75% |
Starting monthly payment:
| $210.56 |
| |
|
Auction yield range:
| 11.04% - 27.38% |
Estimated loss impact:
| 10.68% | | |
|
Lender servicing fee:
| 1.00% |
Estimated return:
| 16.70% | | |
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
|
Prosper scores:
| |
First credit line:
| Nov-1997 |
Debt/Income ratio:
| 49% |
|
Basic (1-10):
| 8 |
Inquiries last 6m:
| 1 | Employment status: | Full-time employee |
| Enhanced (1-5): | 2 |
Current / open credit lines:
| 12
/
10 | Length of status: | 3y 3m |
|
Credit score:
| 640-659 (Apr-2010) |
Total credit lines:
| 36 |
Occupation: | Accountant/CPA |
|
Now delinquent:
| 0 |
Revolving credit balance:
| $18,760 | Stated income: | $25,000-$49,999 |
|
Amount delinquent:
| $0 |
Bankcard utilization:
| 85% | | |
|
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| No | | |
|
Delinquencies in last 7y:
| 0 | | | | |
|
Screen name:
| tim6298 |
Borrower's state:
| Connecticut |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Description
Final wedding expenses
Purpose of loan:
This loan will be used to?to pay off the rest of our wedding expenses...finance and I have paid for everything on our own, and just need that final few thousand to finish paying everything
My financial situation:
I am a good candidate for this loan because?I am never late with my bills...between my income and my soon to be wife's income our household income exceeds $100k per year...monthly net income listed is just mine.
Monthly net income: $ 42000
Monthly expenses: $
??Housing: $ 800????
??Insurance: $ 100
??Car expenses: $ 0
??Utilities: $ 100
??Phone, cable, internet: $ 50
??Food, entertainment: $?400
??Clothing, household expenses $50
??Credit cards and other loans: $?350
??Other expenses: $ 100
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
455146
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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:
| Jun-2002 |
Debt/Income ratio:
| 40% |
|
Basic (1-10):
| 3 |
Inquiries last 6m:
| 5 | Employment status: | Full-time employee |
| Enhanced (1-5): | 1 |
Current / open credit lines:
| 13
/
13 | Length of status: | 0y 5m |
|
Credit score:
| 640-659 (Mar-2010) |
Total credit lines:
| 23 |
Occupation: | Analyst |
|
Now delinquent:
| 1 |
Revolving credit balance:
| $11,935 | Stated income: | $25,000-$49,999 |
|
Amount delinquent:
| $148 |
Bankcard utilization:
| 79% | | |
|
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| No | | |
|
Delinquencies in last 7y:
| 0 | | | | |
|
Screen name:
| appetizing-liberty |
Borrower's state:
| Texas |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Description
Debt Consolidation
Purpose of loan:
This loan will be used to pay credit cards and lower monthly payment
My financial situation:
I am a good candidate for this loan because i have always paid notes as agreed.?
Monthly net income: $
2500
Monthly expenses: $
??Housing: $
??Insurance: $
??Car expenses: $
??Utilities: $ 80????
??Phone, cable, internet: $60
??Food, entertainment: $ 50
??Clothing, household expenses $
??Credit cards and other loans: $800
??Other expenses: $
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
455160
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
|
Amount:
| $7,000.00 |
Prosper Rating:
| D |
Auction Duration:
| 7 days
|
|
Term:
| 36 months |
Estimated loss:
| 10.0% | | |
| | | |
|
|
Starting lender yield:
| 18.25% |
Starting borrower rate/APR:
| 19.25% / 21.48% |
Starting monthly payment:
| $257.48 |
| |
|
Auction yield range:
| 11.04% - 18.25% |
Estimated loss impact:
| 10.43% | | |
|
Lender servicing fee:
| 1.00% |
Estimated return:
| 7.82% | | |
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:
| May-2002 |
Debt/Income ratio:
| 33% |
|
Basic (1-10):
| 8 |
Inquiries last 6m:
| 0 | Employment status: | Full-time employee |
| Enhanced (1-5): | 5 |
Current / open credit lines:
| 15
/
13 | Length of status: | 8y 4m |
|
Credit score:
| 680-699 (Apr-2010) |
Total credit lines:
| 34 |
Occupation: | Professional |
|
Now delinquent:
| 0 |
Revolving credit balance:
| $5,728 | Stated income: | $75,000-$99,999 |
|
Amount delinquent:
| $0 |
Bankcard utilization:
| 28% | | |
|
Public records last 12m / 10y:
| 0/ 1 |
Homeownership:
| No | | |
|
Delinquencies in last 7y:
| 0 | | | | |
|
Screen name:
| ecmguy |
Borrower's state:
| Texas |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
| Loan history | Payment history | Credit score history |
|
Active / total loans:
| 0 / 2 |
On-time:
| 24 ( 100% )
| 680-699 (Latest)
|
|
Principal borrowed:
| $9,000.00 | < mo. late:
| 0
( 0% )
| 600-619
(Aug-2009)
620-639
(Jul-2009)
620-639
(Apr-2009)
540-559
(Dec-2007)
|
|
Principal balance:
| $0.00 |
1+ mo. late:
| 0
( 0% )
|
|
Total payments billed:
| 24 | | |
Description
Medical Expense
Purpose of loan:
This loan will be used to pay down a medical bill.
My financial situation:
I have a solid track record in paying my debt obligations on time. I am a business professional working as an IT Business Consultant for a firm in Houston, Texas. I have been gainfully employed with the same company since 2002. My credit score is much lower than it would otherwise be if not for a difficult decision to file for bankruptcy 8 years ago. I ventured out on my own to start a business funded with personal capital and once things turned south made the tough choice towards Chapter 7 filing. Since then my credit history has been impeccable and I have the financial ability to repay the loan I've requested.
Thanks in advance for your consideration.
Monthly net income: $ 4,150
Monthly expenses: $ 3,160
??Housing: $ 920
??Insurance: $ 90
??Car expenses: $
75
??Utilities: $
100
??Phone, cable, internet: $
200
??Food, entertainment: $
500
??Clothing, household expenses $
100
??Credit cards and other loans: $ 1,025
??Other expenses: $
150
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
455166
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
|
Amount:
| $1,500.00 |
Prosper Rating:
| D |
Auction Duration:
| 7 days
|
|
Term:
| 36 months |
Estimated loss:
| 10.0% | | |
| | | |
|
|
Starting lender yield:
| 26.38% |
Starting borrower rate/APR:
| 27.38% / 29.99% |
Starting monthly payment:
| $61.54 |
| |
|
Auction yield range:
| 11.04% - 26.38% |
Estimated loss impact:
| 10.66% | | |
|
Lender servicing fee:
| 1.00% |
Estimated return:
| 15.72% | | |
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
|
Prosper scores:
| |
First credit line:
| Aug-1977 |
Debt/Income ratio:
| Not calculated |
|
Basic (1-10):
| 8 |
Inquiries last 6m:
| 0 | Employment status: | Full-time employee |
| Enhanced (1-5): | 4 |
Current / open credit lines:
| 2
/
2 | Length of status: | 4y 5m |
|
Credit score:
| 660-679 (Apr-2010) |
Total credit lines:
| 17 |
Occupation: | Truck Driver |
|
Now delinquent:
| 0 |
Revolving credit balance:
| $4,353 | Stated income: | $25,000-$49,999 |
|
Amount delinquent:
| $0 |
Bankcard utilization:
| 88% | | |
|
Public records last 12m / 10y:
| 0/ 1 |
Homeownership:
| No | | |
|
Delinquencies in last 7y:
| 19 | | | | |
|
Screen name:
| bill-whamo |
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, college costs
This loan will be used to consolidate debt and help my son with college costs.?
My financial situation:
I'm a good candidate for this loan because it fits perfectly into my monthly budget.?
Monthly net income: $
Monthly expenses: $
??Housing: 1100.00
??Insurance: $?80.00
??Car expenses: $ 125.00
??Utilities: $ 85.00
??Phone, cable, internet: $ 100.00
??Food, entertainment: $?500.00
??Clothing, household expenses $
??Credit cards and other loans: $ 120.00
??Other expenses: $
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
455184
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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:
| C |
Auction Duration:
| 7 days
|
|
Term:
| 36 months |
Estimated loss:
| 6.5% | | |
| | | |
|
|
Starting lender yield:
| 20.06% |
Starting borrower rate/APR:
| 21.06% / 23.31% |
Starting monthly payment:
| $75.41 |
| |
|
Auction yield range:
| 8.04% - 20.06% |
Estimated loss impact:
| 6.97% | | |
|
Lender servicing fee:
| 1.00% |
Estimated return:
| 13.09% | | |
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
|
Prosper scores:
| |
First credit line:
| Oct-2000 |
Debt/Income ratio:
| 38% |
|
Basic (1-10):
| 9 |
Inquiries last 6m:
| 0 | Employment status: | Full-time employee |
| Enhanced (1-5): | 4 |
Current / open credit lines:
| 6
/
5 | Length of status: | 2y 9m |
|
Credit score:
| 680-699 (Apr-2010) |
Total credit lines:
| 23 |
Occupation: | Other |
|
Now delinquent:
| 0 |
Revolving credit balance:
| $4,169 | Stated income: | $25,000-$49,999 |
|
Amount delinquent:
| $0 |
Bankcard utilization:
| 74% | | |
|
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| No | | |
|
Delinquencies in last 7y:
| 0 | | | | |
|
Screen name:
| loan-surgeon3 |
Borrower's state:
| SouthCarolina |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Description
medical procedure
Purpose of loan:
This loan will be used to assist in my medical cost for a minor procedure that I am having done next week.?
My financial situation:
I am a good candidate for this loan because I pay all of my debtors on time and pride myself to have good credit. I already have money set aside to pay the monthly payments and may pay the amount I am requesting early. I have made sure to request a small amount that I will certainly know for sure that I can keep up with the payments.
Monthly net income: $ 2432
Monthly expenses: $
??Housing: $ 585
??Insurance: $
??Car expenses: $ 488
??Utilities: $?60
??Phone, cable, internet: $ 203
??Food, entertainment: $ 100
??Clothing, household expenses $ 200
??Credit cards and other loans: $?418??
Other expenses: $
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
455186
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
|
Amount:
| $3,750.00 |
Prosper Rating:
| E |
Auction Duration:
| 7 days
|
|
Term:
| 36 months |
Estimated loss:
| 14.0% | | |
| | | |
|
|
Starting lender yield:
| 30.76% |
Starting borrower rate/APR:
| 31.76% / 34.16% |
Starting monthly payment:
| $162.83 |
| |
|
Auction yield range:
| 14.04% - 30.76% |
Estimated loss impact:
| 15.41% | | |
|
Lender servicing fee:
| 1.00% |
Estimated return:
| 15.35% | | |
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
|
Prosper scores:
| |
First credit line:
| Dec-2003 |
Debt/Income ratio:
| 7% |
|
Basic (1-10):
| 6 |
Inquiries last 6m:
| 0 | Employment status: | Full-time employee |
| Enhanced (1-5): | 5 |
Current / open credit lines:
| 4
/
3 | Length of status: | 1y 11m |
|
Credit score:
| 640-659 (Apr-2010) |
Total credit lines:
| 9 |
Occupation: | Analyst |
|
Now delinquent:
| 0 |
Revolving credit balance:
| $1,485 | Stated income: | $25,000-$49,999 |
|
Amount delinquent:
| $0 |
Bankcard utilization:
| 106% | | |
|
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| No | | |
|
Delinquencies in last 7y:
| 8 | | | | |
|
Screen name:
| orange-truth-optimization |
Borrower's state:
| Massachusetts |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Description
Paying for an Engagement Ring!
Purpose of loan:
This loan will be used to help me pay for an engagement ring for my future fiance.
My financial situation:
I am a good candidate for this loan because I have financial stability along with a recent raise and bonus.???
Monthly net income: $ 2500
Monthly expenses: $
??Housing: $?900
??Insurance: $ 25
??Car expenses: $ 0
??Utilities: $ 50
??Phone, cable, internet: $ 65
??Food, entertainment: $?175??
? Clothing, household expenses $ 50
??Credit cards and other loans: $ 150
??Other expenses: $ 0
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
455196
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
|
Amount:
| $10,000.00 |
Prosper Rating:
| AA |
Auction Duration:
| 7 days
|
|
Term:
| 36 months |
Estimated loss:
| 1.5% | | |
| | | |
|
|
Starting lender yield:
| 10.99% |
Starting borrower rate/APR:
| 11.99% / 12.34% |
Starting monthly payment:
| $332.10 |
| |
|
Auction yield range:
| 3.04% - 10.99% |
Estimated loss impact:
| 1.51% | | |
|
Lender servicing fee:
| 1.00% |
Estimated return:
| 9.48% | | |
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
|
Prosper scores:
| |
First credit line:
| Nov-2000 |
Debt/Income ratio:
| Self-employed (DTI Not Calculated) |
|
Basic (1-10):
| 7 |
Inquiries last 6m:
| 0 | Employment status: | Self-employed |
| Enhanced (1-5): | 5 |
Current / open credit lines:
| 9
/
9 | Length of status: | 6y 3m |
|
Credit score:
| 800-819 (Apr-2010) |
Total credit lines:
| 14 |
Occupation: | Computer Programmer |
|
Now delinquent:
| 0 |
Revolving credit balance:
| $50 | Stated income: | $100,000+ |
|
Amount delinquent:
| $0 |
Bankcard utilization:
| 0% | | |
|
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| No | | |
|
Delinquencies in last 7y:
| 0 | | | | |
|
Screen name:
| yan201 |
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
C.C BT Expired, needs to pay off
Purpose of loan:
0% c.c balance transfer expired, now interest rate is going up to aroud 16%. Need to get better rate
My financial situation:
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
455208
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
|
Amount:
| $2,000.00 |
Prosper Rating:
| HR |
Auction Duration:
| 7 days
|
|
Term:
| 36 months |
Estimated loss:
| 18.0% | | |
| | | |
|
|
Starting lender yield:
| 34.00% |
Starting borrower rate/APR:
| 35.00% / 37.45% |
Starting monthly payment:
| $90.47 |
| |
|
Auction yield range:
| 17.04% - 34.00% |
Estimated loss impact:
| 20.01% | | |
|
Lender servicing fee:
| 1.00% |
Estimated return:
| 13.99% | | |
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
|
Prosper scores:
| |
First credit line:
| Oct-1979 |
Debt/Income ratio:
| Self-employed (DTI Not Calculated) |
|
Basic (1-10):
| 4 |
Inquiries last 6m:
| 5 | Employment status: | Self-employed |
| Enhanced (1-5): | 1 |
Current / open credit lines:
| 26
/
24 | Length of status: | 24y 3m |
|
Credit score:
| 640-659 (Apr-2010) |
Total credit lines:
| 38 |
Occupation: | Realtor |
|
Now delinquent:
| 1 |
Revolving credit balance:
| $79,810 | Stated income: | $50,000-$74,999 |
|
Amount delinquent:
| $810 |
Bankcard utilization:
| 79% | | |
|
Public records last 12m / 10y:
| 0/ 3 |
Homeownership:
| Yes | | |
|
Delinquencies in last 7y:
| 1 | | | | |
|
Screen name:
| generosity-carrier |
Borrower's state:
| California |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Description
Paying of debt
Purpose of loan:
This loan will be used to?repayment of debt
My financial situation:
I am a good candidate for this loan because?my financial situation will increase within 6-12 months. Had to take care of my ailing mother with alzheimers.
Monthly net income: $ 5,000
Monthly expenses: $
??Housing: $ 0
??Insurance: $ 250
??Car expenses: $ 550
??Utilities: $ 150
??Phone, cable, internet: $ 300
??Food, entertainment: $ 200
??Clothing, household expenses $ 100
??Credit cards and other loans: $ 1,000
??Other expenses: $ 0
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
455220
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
|
Amount:
| $2,500.00 |
Prosper Rating:
| HR |
Auction Duration:
| 7 days
|
|
Term:
| 36 months |
Estimated loss:
| 18.0% | | |
| | | |
|
|
Starting lender yield:
| 34.00% |
Starting borrower rate/APR:
| 35.00% / 37.45% |
Starting monthly payment:
| $113.09 |
| |
|
Auction yield range:
| 17.04% - 34.00% |
Estimated loss impact:
| 20.01% | | |
|
Lender servicing fee:
| 1.00% |
Estimated return:
| 13.99% | | |
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
|
Prosper scores:
| |
First credit line:
| Dec-1994 |
Debt/Income ratio:
| 28% |
|
Basic (1-10):
| 4 |
Inquiries last 6m:
| 0 | Employment status: | Full-time employee |
| Enhanced (1-5): | 2 |
Current / open credit lines:
| 5
/
6 | Length of status: | 6y 3m |
|
Credit score:
| 660-679 (Apr-2010) |
Total credit lines:
| 27 |
Occupation: | Nurse (LPN) |
|
Now delinquent:
| 1 |
Revolving credit balance:
| $3,580 | Stated income: | $25,000-$49,999 |
|
Amount delinquent:
| $301 |
Bankcard utilization:
| 0% | | |
|
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| Yes | | |
|
Delinquencies in last 7y:
| 4 | | | | |
|
Screen name:
| sammy2221 |
Borrower's state:
| Ohio |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
| Loan history | Payment history | Credit score history |
|
Active / total loans:
| 0 / 1 |
On-time:
| 24 ( 100% )
| 660-679 (Latest)
|
|
Principal borrowed:
| $1,500.00 | < mo. late:
| 0
( 0% )
| 680-699
(Jul-2009)
640-659
(Oct-2008)
640-659
(Dec-2007)
|
|
Principal balance:
| $0.00 |
1+ mo. late:
| 0
( 0% )
|
|
Total payments billed:
| 24 | | |
Description
finish remodel project
Purpose: We are?95 percent?complete. We need help to continue this project so we can updated our mortgage, avoid paying building permit renew costs and be able to insulate the new addition,and place the tile floors.
My financial situation: I work very hard , my wife is a Nurse and so am I. I have been workimg 90 hours a paycheck to complete this Dream. We will not let ourselves down nor will we let any investor down! Please check our payment history!
(explain why you are a good candidate for paying back this loan)
Monthly net income: $ 3500
Monthly expenses: $
??Housing: $ 200
??Insurance: $ 55
??Car expenses: $?140
??Utilities: $ 120
??Phone, cable, internet: $ 30
??Food, entertainment: $
??Clothing, household expenses $
??Credit cards and other loans: $?335
??Other expenses: $
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
455238
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
|
Amount:
| $3,000.00 |
Prosper Rating:
| HR |
Auction Duration:
| 7 days
|
|
Term:
| 36 months |
Estimated loss:
| 18.0% | | |
| | | |
|
|
Starting lender yield:
| 34.00% |
Starting borrower rate/APR:
| 35.00% / 37.45% |
Starting monthly payment:
| $135.71 |
| |
|
Auction yield range:
| 17.04% - 34.00% |
Estimated loss impact:
| 20.01% | | |
|
Lender servicing fee:
| 1.00% |
Estimated return:
| 13.99% | | |
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
|
Prosper scores:
| |
First credit line:
| Nov-1985 |
Debt/Income ratio:
| 8% |
|
Basic (1-10):
| 4 |
Inquiries last 6m:
| 2 | Employment status: | Full-time employee |
| Enhanced (1-5): | 3 |
Current / open credit lines:
| 4
/
4 | Length of status: | 1y 8m |
|
Credit score:
| 700-719 (Apr-2010) |
Total credit lines:
| 36 |
Occupation: | Skilled Labor |
|
Now delinquent:
| 0 |
Revolving credit balance:
| $244 | Stated income: | $1-$24,999 |
|
Amount delinquent:
| $0 |
Bankcard utilization:
| 6% | | |
|
Public records last 12m / 10y:
| 0/ 1 |
Homeownership:
| No | | |
|
Delinquencies in last 7y:
| 18 | | | | |
|
Screen name:
| established-commerce8 |
Borrower's state:
| NorthCarolina |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Description
debt consolidation
Purpose of loan:
This loan will be used to? debt consolidation
My financial situation:
I am a good candidate for this loan because? i want to consolidate some bills to have 1 payment. i am willing to have my payments drafted out of my checking account.
Monthly net income: $ 14000.00
Monthly expenses: $
??Housing: $ 337.00
??Insurance: $
??Car expenses: $
??Utilities: $ 50.00
??Phone, cable, internet: $ 75.00
??Food, entertainment: $
??Clothing, household expenses $
??Credit cards and other loans: $
??Other expenses: $
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
455390
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
|
Amount:
| $13,000.00 |
Prosper Rating:
| HR |
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:
| $588.07 |
| |
|
Auction yield range:
| 17.04% - 34.00% |
Estimated loss impact:
| 36.51% | | |
|
Lender servicing fee:
| 1.00% |
Estimated return:
| -2.51% | | |
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
|
Prosper scores:
| |
First credit line:
| Jan-1993 |
Debt/Income ratio:
| 82% |
|
Basic (1-10):
| 1 |
Inquiries last 6m:
| 3 | Employment status: | Full-time employee |
| Enhanced (1-5): | 1 |
Current / open credit lines:
| 11
/
10 | Length of status: | 17y 5m |
|
Credit score:
| 700-719 (Apr-2010) |
Total credit lines:
| 37 |
Occupation: | Military Enlisted |
|
Now delinquent:
| 0 |
Revolving credit balance:
| $35,239 | Stated income: | $25,000-$49,999 |
|
Amount delinquent:
| $0 |
Bankcard utilization:
| 98% | | |
|
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| Yes | | |
|
Delinquencies in last 7y:
| 0 | | | | |
|
Screen name:
| vigorous-duty9 |
Borrower's state:
| Virginia |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Description
ivf procedures
Purpose of loan:
This loan will be used to?
This loan is to have infertility procedures I am a healthy women except I had my tubes tied.? I have had all required test and the approval from my doctor.
My financial situation:
I am a good candidate for this loan because?because I can pay $8000 back which I?will receive from the IRS because of the first time home buyers program?
Monthly net income: $ 5500.00
Monthly expenses: $
??Housing: $ 1563.00
??Insurance: $ 55.00
??Car expenses: $?80.00
??Utilities: $ 163.00
??Phone, cable, internet: $ 150.00
??Food, entertainment: $ 100.00
??Clothing, household expenses $ 40.00
??Credit cards and other loans: $ 100.00
??Other expenses: $
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
455438
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
|
Amount:
| $7,500.00 |
Prosper Rating:
| HR |
Auction Duration:
| 7 days
|
|
Term:
| 36 months |
Estimated loss:
| 25.0% | | |
| | | |
|
|
Starting lender yield:
| 20.00% |
Starting borrower rate/APR:
| 21.00% / 23.25% |
Starting monthly payment:
| $282.56 |
| |
|
Auction yield range:
| 17.04% - 20.00% |
Estimated loss impact:
| 26.13% | | |
|
Lender servicing fee:
| 1.00% |
Estimated return:
| -6.13% | | |
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
|
Prosper scores:
| |
First credit line:
| Nov-1976 |
Debt/Income ratio:
| Not calculated |
|
Basic (1-10):
| 2 |
Inquiries last 6m:
| 3 | Employment status: | Full-time employee |
| Enhanced (1-5): | 2 |
Current / open credit lines:
| 5
/
4 | Length of status: | 0y 11m |
|
Credit score:
| 640-659 (Apr-2010) |
Total credit lines:
| 21 |
Occupation: | Engineer - Mechanic... |
|
Now delinquent:
| 0 |
Revolving credit balance:
| $6,705 | Stated income: | $100,000+ |
|
Amount delinquent:
| $0 |
Bankcard utilization:
| 45% | | |
|
Public records last 12m / 10y:
| 1/ 1 |
Homeownership:
| Yes | | |
|
Delinquencies in last 7y:
| 7 | | | | |
|
Screen name:
| energy2008 |
Borrower's state:
| California |
Borrower's group:
| BORROWERS - Free instant Listings - LARGEST GROUP |
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
| Loan history | Payment history | Credit score history |
|
Active / total loans:
| 0 / 1 |
On-time:
| 24 ( 96% )
| 640-659 (Latest)
|
|
Principal borrowed:
| $2,551.00 | < mo. late:
| 1
( 4% )
| 600-619
(May-2009)
600-619
(Feb-2008)
600-619
(Jan-2008)
|
|
Principal balance:
| $0.00 |
1+ mo. late:
| 0
( 0% )
|
|
Total payments billed:
| 25 | | |
Description
Paying back Social Security
Purpose of loan:
This loan will be used to pay back social security for the benefits that I received last year. I applied for social security after I was laid off from my job. The way that social security system works is that if you earn over $14,160 per year, you have to pay back $1 for every $2 that you earn. In my case, that is all my benefits. In addition, I would owe taxes on those earnings which is another $5000 problem. This loan plus my?income will allow me to pay them back.
I am a good candidate for this loan because I have consistant income. In addition to my new job, I receive a retirement check of $2050 from the USAF.
Monthly net income: $6280 Monthly expenses: $ 4020
??Housing: $ 2095
??Insurance: $ 150
??Car expenses: $100
??Utilities: $ 125
??Phone, cable, internet: $ 100
??Food, entertainment: $ 150
??Clothing, household expenses $150
??Credit cards and other loans: $800
??Other expenses: $ 350
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
455450
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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:
| Aug-1998 |
Debt/Income ratio:
| 70% |
|
Basic (1-10):
| 8 |
Inquiries last 6m:
| 0 | Employment status: | Full-time employee |
| Enhanced (1-5): | 2 |
Current / open credit lines:
| 17
/
15 | Length of status: | 14y 0m |
|
Credit score:
| 680-699 (Apr-2010) |
Total credit lines:
| 43 |
Occupation: | Other |
|
Now delinquent:
| 0 |
Revolving credit balance:
| $79,746 | Stated income: | $25,000-$49,999 |
|
Amount delinquent:
| $0 |
Bankcard utilization:
| 90% | | |
|
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| Yes | | |
|
Delinquencies in last 7y:
| 0 | | | | |
|
Screen name:
| wise-trade-instrument |
Borrower's state:
| Connecticut |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Description
Paying off Credit Cards
Purpose of loan:
This loan will be used to Pay off two credit Cards and set the debt to a three year term, the credit cards are getting cancelled with the payoff from this loan so the debt will not reoccur.
Card 1 has a balance of $3800 with a interest rate of 29.99 percent payment of $117.00
Card 2 has a balance of $3900 with a interest rate of 27.24 percent $115.00
My financial situation:
I am a good candidate for this loan because?I have never miss a payment on these cards now and with this loan my monthly expenses only go up about $80 but I am in a three year term.
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
455462
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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:
| 7.0% | | |
| | | |
|
|
Starting lender yield:
| 9.00% |
Starting borrower rate/APR:
| 10.00% / 12.11% |
Starting monthly payment:
| $806.68 |
| |
|
Auction yield range:
| 8.04% - 9.00% |
Estimated loss impact:
| 7.18% | | |
|
Lender servicing fee:
| 1.00% |
Estimated return:
| 1.82% | | |
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
|
Prosper scores:
| |
First credit line:
| Jun-2000 |
Debt/Income ratio:
| 15% |
|
Basic (1-10):
| 6 |
Inquiries last 6m:
| 0 | Employment status: | Full-time employee |
| Enhanced (1-5): | 5 |
Current / open credit lines:
| 5
/
5 | Length of status: | 9y 0m |
|
Credit score:
| 780-799 (Apr-2010) |
Total credit lines:
| 17 |
Occupation: | Construction |
|
Now delinquent:
| 0 |
Revolving credit balance:
| $8,798 | Stated income: | $100,000+ |
|
Amount delinquent:
| $0 |
Bankcard utilization:
| 39% | | |
|
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| Yes | | |
|
Delinquencies in last 7y:
| 0 | | | | |
|
Screen name:
| nickel-chuckler |
Borrower's state:
| Wisconsin |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Description
EQUIPMENT
Purpose of loan:
This loan will be used to purchase equipment and inventory.
My financial situation:
I am a good candidate for this loan because I have a good credit standing.
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
455480
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
|
Amount:
| $25,000.00 |
Prosper Rating:
| HR |
Auction Duration:
| 7 days
|
|
Term:
| 36 months |
Estimated loss:
| 18.0% | | |
| | | |
|
|
Starting lender yield:
| 17.04% |
Starting borrower rate/APR:
| 18.04% / 20.25% |
Starting monthly payment:
| $904.31 |
| |
|
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:
| Dec-2003 |
Debt/Income ratio:
| 54% |
|
Basic (1-10):
| 3 |
Inquiries last 6m:
| 2 | Employment status: | Full-time employee |
| Enhanced (1-5): | 3 |
Current / open credit lines:
| 9
/
9 | Length of status: | 2y 5m |
|
Credit score:
| 720-739 (Apr-2010) |
Total credit lines:
| 14 |
Occupation: | Tradesman - Mechani... |
|
Now delinquent:
| 0 |
Revolving credit balance:
| $7,606 | Stated income: | $25,000-$49,999 |
|
Amount delinquent:
| $0 |
Bankcard utilization:
| 25% | | |
|
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| Yes | | |
|
Delinquencies in last 7y:
| 0 | | | | |
|
Screen name:
| invincible-trade3 |
Borrower's state:
| Alabama |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Description
Debt Consolidation for Baby
Purpose of loan:
This loan will be used to help consolidate credit cards to one low monthly payment. My wife and I are wanting to add to our family and we already have a beautiful 3 year old daughter, Laylah Grace, so we would like to give her a sister or brother. Having one payment with one low monthly fixed interest rate will be alot less stressful.
My financial situation:
I am a good candidate for this loan because I believe in Karma and if somebody does me?a favor and lets me barrow their money I will definetly pay them back. I would like to contribute to this website someday when I am making more money. I am also working real hard?on building my credit and I haven't done anything to mess it up yet so I would like to keep it that way. Plus I have a little money set aside in CDs that if I end up jobless I will definetly payoff this loan. I just don't want to get into my little bit of inheritance to payoff MY credit card debt. I am too proud to ask my family for money and I've never asked them for any money. I have a job and I can make the credit payments now it would just be alot easier making one payment like I've said before.
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
455492
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
|
Amount:
| $5,500.00 |
Prosper Rating:
| HR |
Auction Duration:
| 7 days
|
|
Term:
| 36 months |
Estimated loss:
| 25.0% | | |
| | | |
|
|
Starting lender yield:
| 25.00% |
Starting borrower rate/APR:
| 26.00% / 28.32% |
Starting monthly payment:
| $221.60 |
| |
|
Auction yield range:
| 17.04% - 25.00% |
Estimated loss impact:
| 26.44% | | |
|
Lender servicing fee:
| 1.00% |
Estimated return:
| -1.44% | | |
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
|
Prosper scores:
| |
First credit line:
| Nov-1987 |
Debt/Income ratio:
| 36% |
|
Basic (1-10):
| 2 |
Inquiries last 6m:
| 5 | Employment status: | Full-time employee |
| Enhanced (1-5): | 1 |
Current / open credit lines:
| 12
/
10 | Length of status: | 9y 9m |
|
Credit score:
| 640-659 (Apr-2010) |
Total credit lines:
| 26 |
Occupation: | Professional |
|
Now delinquent:
| 0 |
Revolving credit balance:
| $5,617 | Stated income: | $25,000-$49,999 |
|
Amount delinquent:
| $0 |
Bankcard utilization:
| 87% | | |
|
Public records last 12m / 10y:
| 0/ 1 |
Homeownership:
| Yes | | |
|
Delinquencies in last 7y:
| 1 | | | | |
|
Screen name:
| competent-p2ploan5 |
Borrower's state:
| Kentucky |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Description
my credit score is 680 i'm good
Purpose of loan:
This loan will be used to? pay off my mothers expenses after her death
My financial situation:
I am a good candidate for this loan because? I work hard to pay my bills ?
Monthly net income: $ 3000.00
Monthly expenses: $
??Housing: $ 953.00
??Insurance: $ 120.00
??Car expenses: $ 490.62
??Utilities: $ 50.00
??Phone, cable, internet: $ 70.00
??Food, entertainment: $ 60
??Clothing, household expenses $ 0.00
??Credit cards and other loans: $ 8000.00
??Other expenses: $ 0.00
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
454987
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
|
Amount:
| $10,000.00 |
Prosper Rating:
| HR |
Auction Duration:
| 7 days
|
|
Term:
| 36 months |
Estimated loss:
| 25.0% | | |
| | | |
|
|
Starting lender yield:
| 23.00% |
Starting borrower rate/APR:
| 24.00% / 26.29% |
Starting monthly payment:
| $392.33 |
| |
|
Auction yield range:
| 17.04% - 23.00% |
Estimated loss impact:
| 26.32% | | |
|
Lender servicing fee:
| 1.00% |
Estimated return:
| -3.32% | | |
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
|
Prosper scores:
| |
First credit line:
| Sep-1996 |
Debt/Income ratio:
| 15% |
|
Basic (1-10):
| 3 |
Inquiries last 6m:
| 0 | Employment status: | Full-time employee |
| Enhanced (1-5): | 5 |
Current / open credit lines:
| 9
/
7 | Length of status: | 2y 6m |
|
Credit score:
| 660-679 (Apr-2010) |
Total credit lines:
| 22 |
Occupation: | Accountant/CPA |
|
Now delinquent:
| 0 |
Revolving credit balance:
| $8,111 | Stated income: | $50,000-$74,999 |
|
Amount delinquent:
| $0 |
Bankcard utilization:
| 99% | | |
|
Public records last 12m / 10y:
| 0/ 1 |
Homeownership:
| Yes | | |
|
Delinquencies in last 7y:
| 0 | | | | |
|
Screen name:
| openness-emperor |
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 the bills and get ahead
Purpose of loan:
This loan will?be used to pay off credit card debts and provide some financial security for the day to day expenses.?
My financial situation:
I am a good candidate for this loan because I have a career that pays me well, including bonuses equaling up to 30% of my yearly salary.? This will allow me to pay a significant amount of the loan back in the beginning of 2011.
Monthly net income: $ 2575
Monthly expenses: $
??Housing: $ 1011
??Insurance: $ 71
??Car expenses: $ 0
??Utilities: $?153
??Phone, cable, internet: $ 150
??Food, entertainment: $ 100
??Clothing, household expenses $ 50
??Credit cards and other loans: $ 250
??Other expenses: $
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
455035
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
|
Amount:
| $10,000.00 |
Prosper Rating:
| B |
Auction Duration:
| 7 days
|
|
Term:
| 36 months |
Estimated loss:
| 5.0% | | |
| | | |
|
|
Starting lender yield:
| 9.00% |
Starting borrower rate/APR:
| 10.00% / 12.11% |
Starting monthly payment:
| $322.67 |
| |
|
Auction yield range:
| 6.04% - 9.00% |
Estimated loss impact:
| 5.14% | | |
|
Lender servicing fee:
| 1.00% |
Estimated return:
| 3.86% | | |
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
|
Prosper scores:
| |
First credit line:
| Aug-2001 |
Debt/Income ratio:
| 33% |
|
Basic (1-10):
| 8 |
Inquiries last 6m:
| 0 | Employment status: | Full-time employee |
| Enhanced (1-5): | 5 |
Current / open credit lines:
| 11
/
9 | Length of status: | 4y 3m |
|
Credit score:
| 740-759 (Apr-2010) |
Total credit lines:
| 23 |
Occupation: | Engineer - Electric... |
|
Now delinquent:
| 0 |
Revolving credit balance:
| $18,836 | Stated income: | $50,000-$74,999 |
|
Amount delinquent:
| $0 |
Bankcard utilization:
| 66% | | |
|
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| Yes | | |
|
Delinquencies in last 7y:
| 0 | | | | |
|
Screen name:
| bold-contract-wahoo |
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
Consolidating our debt
Purpose of loan:
This loan will be used to consolidate our high interest credit card debt.? We hope to be out of debt in a few years so that we may purchase a larger home and continue growing our family.
My financial situation:
We are good candidates for this loan because we have been responsible and on time with our current bills.? We are hoping to reduce our bills to meet our goal of being debt free in a couple years.
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
455095
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
|
Amount:
| $1,500.00 |
Prosper Rating:
| D |
Auction Duration:
| 7 days
|
|
Term:
| 36 months |
Estimated loss:
| 10.0% | | |
| | | |
|
|
Starting lender yield:
| 26.38% |
Starting borrower rate/APR:
| 27.38% / 29.99% |
Starting monthly payment:
| $61.54 |
| |
|
Auction yield range:
| 11.04% - 26.38% |
Estimated loss impact:
| 10.66% | | |
|
Lender servicing fee:
| 1.00% |
Estimated return:
| 15.72% | | |
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
|
Prosper scores:
| |
First credit line:
| Sep-1986 |
Debt/Income ratio:
| 41% |
|
Basic (1-10):
| 8 |
Inquiries last 6m:
| 1 | Employment status: | Full-time employee |
| Enhanced (1-5): | 2 |
Current / open credit lines:
| 6
/
6 | Length of status: | 4y 10m |
|
Credit score:
| 680-699 (Apr-2010) |
Total credit lines:
| 39 |
Occupation: | Sales - Retail |
|
Now delinquent:
| 0 |
Revolving credit balance:
| $2,153 | Stated income: | $1-$24,999 |
|
Amount delinquent:
| $0 |
Bankcard utilization:
| 82% | | |
|
Public records last 12m / 10y:
| 0/ 1 |
Homeownership:
| Yes | | |
|
Delinquencies in last 7y:
| 17 | | | | |
|
Screen name:
| foxy-fund545 |
Borrower's state:
| Tennessee |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Description
consolidation
Purpose of loan:
This loan will be used to? consolidate some bills
My financial situation:
I am a good candidate for this loan because? I pay my bills on time.
Monthly net income: $ 4600
Monthly expenses: $
??Housing: $ 1365
??Insurance: $ 106
??Car expenses: $ 646
??Utilities: $ 300
??Phone, cable, internet: $ 165
??Food, entertainment: $ 200
??Clothing, household expenses $ 200
??Credit cards and other loans: $220
??Other expenses: $
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
455107
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
|
Amount:
| $1,500.00 |
Prosper Rating:
| HR |
Auction Duration:
| 7 days
|
|
Term:
| 36 months |
Estimated loss:
| 25.0% | | |
| | | |
|
|
Starting lender yield:
| 17.04% |
Starting borrower rate/APR:
| 18.04% / 20.50% |
Starting monthly payment:
| $54.26 |
| |
|
Auction yield range:
| 17.04% - 17.04% |
Estimated loss impact:
| 25.94% | | |
|
Lender servicing fee:
| 1.00% |
Estimated return:
| -8.90% | | |
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:
| Apr-1991 |
Debt/Income ratio:
| Self-employed (DTI Not Calculated) |
|
Basic (1-10):
| 2 |
Inquiries last 6m:
| 1 | Employment status: | Self-employed |
| Enhanced (1-5): | 2 |
Current / open credit lines:
| 10
/
9 | Length of status: | 1y 3m |
|
Credit score:
| 620-639 (Apr-2010) |
Total credit lines:
| 25 |
Occupation: | Other |
|
Now delinquent:
| 3 |
Revolving credit balance:
| $4,234 | Stated income: | $25,000-$49,999 |
|
Amount delinquent:
| $214 |
Bankcard utilization:
| 98% | | |
|
Public records last 12m / 10y:
| 0/ 1 |
Homeownership:
| No | | |
|
Delinquencies in last 7y:
| 0 | | | | |
|
Screen name:
| vpe |
Borrower's state:
| Alabama |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
| Loan history | Payment history | Credit score history |
|
Active / total loans:
| 0 / 1 |
On-time:
| 26 ( 100% )
| 620-639 (Latest)
|
|
Principal borrowed:
| $3,050.00 | < mo. late:
| 0
( 0% )
| 640-659
(Jul-2006)
|
|
Principal balance:
| $0.00 |
1+ mo. late:
| 0
( 0% )
|
|
Total payments billed:
| 26 | | |
Description
Consolidation Loan
Hello, I was laid-off from Mercedes Benz in Vance, AL on 01/09/2009. I need this loan to consolidate some bills into one payment! I would be very grateful to any of you who are willing to help me. I have already had one loan here in 2006 and paid it back in full as promised!?? Thank You Very Much!
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
455113
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
|
Amount:
| $10,000.00 |
Prosper Rating:
| HR |
Auction Duration:
| 7 days
|
|
Term:
| 36 months |
Estimated loss:
| 18.0% | | |
| | | |
|
|
Starting lender yield:
| 34.00% |
Starting borrower rate/APR:
| 35.00% / 37.45% |
Starting monthly payment:
| $452.36 |
| |
|
Auction yield range:
| 17.04% - 34.00% |
Estimated loss impact:
| 20.01% | | |
|
Lender servicing fee:
| 1.00% |
Estimated return:
| 13.99% | | |
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
|
Prosper scores:
| |
First credit line:
| Apr-1995 |
Debt/Income ratio:
| 20% |
|
Basic (1-10):
| 3 |
Inquiries last 6m:
| 2 | Employment status: | Full-time employee |
| Enhanced (1-5): | 2 |
Current / open credit lines:
| 5
/
5 | Length of status: | 0y 4m |
|
Credit score:
| 720-739 (Apr-2010) |
Total credit lines:
| 23 |
Occupation: | Other |
|
Now delinquent:
| 0 |
Revolving credit balance:
| $1,449 | Stated income: | $25,000-$49,999 |
|
Amount delinquent:
| $0 |
Bankcard utilization:
| 57% | | |
|
Public records last 12m / 10y:
| 0/ 1 |
Homeownership:
| Yes | | |
|
Delinquencies in last 7y:
| 5 | | | | |
|
Screen name:
| abundant-camaraderi6 |
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
Basement and bathroom renovation
Purpose of loan:
Basement and bathroom renovation.
My financial situation:
I am a good candidate for this loan because I am a responsible adult who can satisfy the loan obligations
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
455119
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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:
| 440+ Supporting Lenders. Get FUNDED @ LOWER % than ANY group |
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Description
Settle a collections account
Purpose of loan:
Prosper incorrectly shows $9,453 delinquent. I?ve paid this down to the current balance of $6,154. The company is willing to settle in full for 60%, or $3700. Payment on this loan, even at the maximum interest rate would still be LOWER than the amount I?m paying on this account ($200/mo, on time every month).
My financial situation:
I've raised my FICO from 400 to 650 in less than two yrs. by paying all bills on time. My credit card utilization shows high at the moment. I made a $250 payment on the card today in order to bring it down.
Monthly net income: $3000-4000
Monthly expenses: $1000
Housing: $0
Insurance: Paid yearly ($375/yr
Car expenses: $100
Utilities: $50
Phone, cable, internet: $50
Food, entertainment: $200
Clothing, household expenses $150
Other:
$200 (COLLECTIONS PAYMENT)
?$10 to $50 (credit card)
?$80 (student loan)
Please help me overcome the last hurdle in fixing my credit. Thanks!
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
455125
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
|
Amount:
| $15,000.00 |
Prosper Rating:
| HR |
Auction Duration:
| 7 days
|
|
Term:
| 36 months |
Estimated loss:
| 18.0% | | |
| | | |
|
|
Starting lender yield:
| 34.00% |
Starting borrower rate/APR:
| 35.00% / 37.45% |
Starting monthly payment:
| $678.54 |
| |
|
Auction yield range:
| 17.04% - 34.00% |
Estimated loss impact:
| 20.01% | | |
|
Lender servicing fee:
| 1.00% |
Estimated return:
| 13.99% | | |
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
|
Prosper scores:
| |
First credit line:
| Oct-1998 |
Debt/Income ratio:
| 28% |
|
Basic (1-10):
| 4 |
Inquiries last 6m:
| 2 | Employment status: | Full-time employee |
| Enhanced (1-5): | 4 |
Current / open credit lines:
| 10
/
8 | Length of status: | 1y 7m |
|
Credit score:
| 680-699 (Apr-2010) |
Total credit lines:
| 49 |
Occupation: | Engineer - Electric... |
|
Now delinquent:
| 0 |
Revolving credit balance:
| $17,860 | Stated income: | $100,000+ |
|
Amount delinquent:
| $0 |
Bankcard utilization:
| 81% | | |
|
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| No | | |
|
Delinquencies in last 7y:
| 0 | | | | |
|
Screen name:
| ore-equator |
Borrower's state:
| Kansas |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Description
Building Stables
Purpose of loan:
This loan will be used to build stables to start a small business. Right now I pay about $2000.00 for boarding for my horses. I want to build a barn that will have 6 stables which will drop my monthly costs by $1350.00 because I won't have to pay someone else for baord. I will also have space for 3 more horses which will bring in an additional $1000.00.
I have never been late on a payment to anyone and my original plan was to save the money for the complete build. I have paid for the materials and was planning on waiting for the build but the company who is going to build it only has a couple of openings in the foreseeable future so I am on a time line that will not allow me wait to save the money.
Monthly net income:
$15,000
Monthly expenses:
??Housing: $ 0.00
??Insurance: $ 73.00
??Car expenses: $ 995.00
??Utilities: $ 0.00
??Phone, cable, internet: $ 50.00
??Food, entertainment: $?200.00
??Credit cards and other loans: $ 3500.00
??Other expenses: $ 2000.00
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
455131
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
|
Amount:
| $1,250.00 |
Prosper Rating:
| E |
Auction Duration:
| 7 days
|
|
Term:
| 36 months |
Estimated loss:
| 14.7% | | |
| | | |
|
|
Starting lender yield:
| 34.00% |
Starting borrower rate/APR:
| 35.00% / 38.30% |
Starting monthly payment:
| $56.55 |
| |
|
Auction yield range:
| 14.04% - 34.00% |
Estimated loss impact:
| 16.27% | | |
|
Lender servicing fee:
| 1.00% |
Estimated return:
| 17.73% | | |
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
|
Prosper scores:
| |
First credit line:
| Aug-2002 |
Debt/Income ratio:
| 57% |
|
Basic (1-10):
| 9 |
Inquiries last 6m:
| 0 | Employment status: | Part-time employee |
| Enhanced (1-5): | 2 |
Current / open credit lines:
| 11
/
8 | Length of status: | 3y 8m |
|
Credit score:
| 620-639 (Apr-2010) |
Total credit lines:
| 16 |
Occupation: | Student - College G... |
|
Now delinquent:
| 0 |
Revolving credit balance:
| $31,841 | Stated income: | $25,000-$49,999 |
|
Amount delinquent:
| $0 |
Bankcard utilization:
| 97% | | |
|
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| No | | |
|
Delinquencies in last 7y:
| 0 | | | | |
|
Screen name:
| chia04 |
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:
| 21 ( 100% )
| 620-639 (Latest)
|
|
Principal borrowed:
| $6,200.00 | < mo. late:
| 0
( 0% )
| 680-699
(Mar-2008)
|
|
Principal balance:
| $0.00 |
1+ mo. late:
| 0
( 0% )
|
|
Total payments billed:
| 21 | | |
Description
Debt Consolidation
Purpose of loan:
This loan will be used to pay off one of my credit cards and to make it easier for me to "survive" on a reduced income this summer.
My financial situation:
I am a good candidate for this loan because I am currently a graduate student at a Midwestern University, where I am employed.? I also work two other jobs to make ends meet.? I'm still paying off the mistakes I made as a foolish young person with access to credit.? I've had one other Prosper Loan which I paid off early.? This loan will help me pay off one of my credit cards, which will allow me to put a little bit of money away for my summer rent.? My income goes down in the summer, so this will give me a sense of security about having a little bit extra available.
Other Information:
I wanted to update this with some other information about my financial situation to give you a better idea of why I'm a good risk to take.? Other than being employed for more than a year at two of my positions and almost a year at the other, I've made great strides to improve my financial situation this year.? Currently, my card utilization is high, because I have paid of four (4!!) credit cards in the past year or so and have closed each once they've been paid off.? I know you aren't necessarily supposed to close cards this way, but I'd prefer to never be able to charge on them again then the temporary hit to my credit score and utilization rate.? If you have any other questions, please don't hesitate to ask.
Monthly net income: $2300
Monthly expenses: Approximately $2200
??Housing: $700
??Insurance: $0
??Car expenses: $0
??Utilities: $100
??Phone, cable, internet: $90
??Food, entertainment: $50
??Clothing, household expenses $25
??Credit cards and other loans: TOO MUCH!
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
455137
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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:
| 17.04% |
Starting borrower rate/APR:
| 18.04% / 20.25% |
Starting monthly payment:
| $542.59 |
| |
|
Auction yield range:
| 17.04% - 17.04% |
Estimated loss impact:
| 25.94% | | |
|
Lender servicing fee:
| 1.00% |
Estimated return:
| -8.90% | | |
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
|
Prosper scores:
| |
First credit line:
| Jul-1994 |
Debt/Income ratio:
| 15% |
|
Basic (1-10):
| 3 |
Inquiries last 6m:
| 0 | Employment status: | Full-time employee |
| Enhanced (1-5): | 5 |
Current / open credit lines:
| 5
/
5 | Length of status: | 2y 9m |
|
Credit score:
| 680-699 (Apr-2010) |
Total credit lines:
| 21 |
Occupation: | Other |
|
Now delinquent:
| 2 |
Revolving credit balance:
| $8,483 | Stated income: | $50,000-$74,999 |
|
Amount delinquent:
| $359 |
Bankcard utilization:
| 67% | | |
|
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| No | | |
|
Delinquencies in last 7y:
| 0 | | | | |
|
Screen name:
| green-sharp-repayment |
Borrower's state:
| Virginia |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Description
Debit Consolidation-CC Payoff
Purpose of loan:
This loan will be used to?
Debit consolidation
My financial situation:
I am a good candidate for this loan because?
great credit history, never have been late on my payments, I have a high initerest rate and want to pay it down for a better rate
Monthly net income: $ 3800
Monthly expenses: $
??Housing: $
1000
??Insurance: $
100
??Car expenses: $
0
??Utilities: $
175
??Phone, cable, internet: $
75
??Food, entertainment: $
300
??Clothing, household expenses $
0
??Credit cards and other loans: $200/m
??Other expenses: $
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
455143
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
|
Amount:
| $3,000.00 |
Prosper Rating:
| D |
Auction Duration:
| 7 days
|
|
Term:
| 36 months |
Estimated loss:
| 10.0% | | |
| | | |
|
|
Starting lender yield:
| 27.02% |
Starting borrower rate/APR:
| 28.02% / 30.37% |
Starting monthly payment:
| $124.12 |
| |
|
Auction yield range:
| 11.04% - 27.02% |
Estimated loss impact:
| 10.67% | | |
|
Lender servicing fee:
| 1.00% |
Estimated return:
| 16.35% | | |
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
|
Prosper scores:
| |
First credit line:
| Mar-1993 |
Debt/Income ratio:
| 72% |
|
Basic (1-10):
| 7 |
Inquiries last 6m:
| 3 | Employment status: | Full-time employee |
| Enhanced (1-5): | 1 |
Current / open credit lines:
| 22
/
19 | Length of status: | 10y 3m |
|
Credit score:
| 660-679 (Apr-2010) |
Total credit lines:
| 59 |
Occupation: | Student - College G... |
|
Now delinquent:
| 0 |
Revolving credit balance:
| $21,701 | Stated income: | $25,000-$49,999 |
|
Amount delinquent:
| $0 |
Bankcard utilization:
| 80% | | |
|
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| Yes | | |
|
Delinquencies in last 7y:
| 0 | | | | |
|
Screen name:
| greenback-mason |
Borrower's state:
| Colorado |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Description
pay student fees and insurance
Purpose of loan:
This loan will be used to pay student fees and insurance and to pay the balance on the school issued travel card that I use to travel to conferences for school/work.?
My financial situation:
I am a good candidate for this loan because?I?always pay my bills, with very few late payments, I have never filed bankruptcy.??I have a stable job that I can continue?at the university after I graduate so I will not be without employment.? I am a?doctorate student and I do not want to take?out any more student loans.? I plan on paying this loan back within 6 months. ?We are also working on refinancing our home to consolidate all out debt.
Monthly net income: $ 2648.00
Monthly expenses: $
??Housing: $ 636.00
??Insurance: $ 50.00
??Car expenses: $ 200.00
??Utilities: $ 100.00
??Phone, cable, internet: $ 140.00
??Food, entertainment: $ 75.00
??Clothing, household expenses $ 0
??Credit cards and other loans: $ 1350.00
??Other expenses: $
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
455149
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
|
Amount:
| $6,000.00 |
Prosper Rating:
| D |
Auction Duration:
| 7 days
|
|
Term:
| 36 months |
Estimated loss:
| 10.0% | | |
| | | |
|
|
Starting lender yield:
| 15.00% |
Starting borrower rate/APR:
| 16.00% / 18.18% |
Starting monthly payment:
| $210.94 |
| |
|
Auction yield range:
| 11.04% - 15.00% |
Estimated loss impact:
| 10.34% | | |
|
Lender servicing fee:
| 1.00% |
Estimated return:
| 4.66% | | |
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, 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-1976 |
Debt/Income ratio:
| 17% |
|
Basic (1-10):
| 7 |
Inquiries last 6m:
| 2 | Employment status: | Full-time employee |
| Enhanced (1-5): | 3 |
Current / open credit lines:
| 5
/
5 | Length of status: | 14y 1m |
|
Credit score:
| 720-739 (Apr-2010) |
Total credit lines:
| 13 |
Occupation: | Teacher |
|
Now delinquent:
| 2 |
Revolving credit balance:
| $3,502 | Stated income: | $25,000-$49,999 |
|
Amount delinquent:
| $0 |
Bankcard utilization:
| 17% | | |
|
Public records last 12m / 10y:
| 0/ 1 |
Homeownership:
| No | | |
|
Delinquencies in last 7y:
| 3 | | | | |
|
Screen name:
| cdan37 |
Borrower's state:
| Tennessee |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
| Loan history | Payment history | Credit score history |
|
Active / total loans:
| 1 / 1 |
On-time:
| 20 ( 100% )
| 720-739 (Latest)
|
|
Principal borrowed:
| $11,000.00 | < mo. late:
| 0
( 0% )
| 760-779
(Aug-2008)
760-779
(Jul-2008)
|
|
Principal balance:
| $5,301.84 |
1+ mo. late:
| 0
( 0% )
|
|
Total payments billed:
| 20 | | |
Description
Consolidate credit cards
Purpose of loan:
This loan will be used to? Consolitate credit cards and auto repair.
My financial situation:
I am a good candidate for this loan because? I teach at a technologyl school and make decent money. I have one prosper loan with a perfect payment history.Thanks for looking.
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
455155
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
|
Amount:
| $9,000.00 |
Prosper Rating:
| C |
Auction Duration:
| 7 days
|
|
Term:
| 36 months |
Estimated loss:
| 7.0% | | |
| | | |
|
|
Starting lender yield:
| 10.00% |
Starting borrower rate/APR:
| 11.00% / 13.12% |
Starting monthly payment:
| $294.65 |
| |
|
Auction yield range:
| 8.04% - 10.00% |
Estimated loss impact:
| 7.21% | | |
|
Lender servicing fee:
| 1.00% |
Estimated return:
| 2.79% | | |
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
|
Prosper scores:
| |
First credit line:
| Dec-1994 |
Debt/Income ratio:
| 24% |
|
Basic (1-10):
| 6 |
Inquiries last 6m:
| 2 | Employment status: | Full-time employee |
| Enhanced (1-5): | 4 |
Current / open credit lines:
| 15
/
14 | Length of status: | 4y 8m |
|
Credit score:
| 780-799 (Apr-2010) |
Total credit lines:
| 44 |
Occupation: | Other |
|
Now delinquent:
| 0 |
Revolving credit balance:
| $21,092 | Stated income: | $50,000-$74,999 |
|
Amount delinquent:
| $0 |
Bankcard utilization:
| 39% | | |
|
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| Yes | | |
|
Delinquencies in last 7y:
| 0 | | | | |
|
Screen name:
| wise-return-hugger |
Borrower's state:
| NorthCarolina |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Description
Paying off one credit card
Purpose of loan:
This loan will be used to? Pay off a high interest rate loan.
My financial situation:
I am a good candidate for this loan because?My credit score indicates that my payment history is good.?I pay my bills on time and I am dependable.
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
455181
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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:
| E |
Auction Duration:
| 7 days
|
|
Term:
| 36 months |
Estimated loss:
| 14.0% | | |
| | | |
|
|
Starting lender yield:
| 31.66% |
Starting borrower rate/APR:
| 32.66% / 35.08% |
Starting monthly payment:
| $263.53 |
| |
|
Auction yield range:
| 14.04% - 31.66% |
Estimated loss impact:
| 15.46% | | |
|
Lender servicing fee:
| 1.00% |
Estimated return:
| 16.20% | | |
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
|
Prosper scores:
| |
First credit line:
| Oct-1991 |
Debt/Income ratio:
| 17% |
|
Basic (1-10):
| 6 |
Inquiries last 6m:
| 2 | Employment status: | Full-time employee |
| Enhanced (1-5): | 5 |
Current / open credit lines:
| 11
/
9 | Length of status: | 5y 9m |
|
Credit score:
| 680-699 (Apr-2010) |
Total credit lines:
| 44 |
Occupation: | Other |
|
Now delinquent:
| 0 |
Revolving credit balance:
| $5,556 | Stated income: | $25,000-$49,999 |
|
Amount delinquent:
| $0 |
Bankcard utilization:
| 36% | | |
|
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| No | | |
|
Delinquencies in last 7y:
| 2 | | | | |
|
Screen name:
| elegant-diversification |
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
medical surgery
Purpose of loan:
This loan will be used to?Lap Band surgery. I am overweight and suffer from Diabetes type 2 and stage 2 hypertention among other weight related issues. My health insurance at work will not cover this surgery.?
My financial situation:
I am a good candidate for this loan because? I am a responsible person, I always pay my debts. I will have the ability to pay this off in 3 yrs through a 401k loan.
Monthly net income: $ 2000.00 - 2500.00 depending on overtime
Monthly expenses: $
??Housing: $ 700.00
??Insurance: $ 100.00
??Car expenses: $ none
??Utilities: $ 225.00
??Phone, cable, internet: $?225.00
??Food, entertainment: $ 700.00
??Clothing, household expenses $ 200.00
??Credit cards and other loans: $ 600.00
??Other expenses: $
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
455187
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
|
Amount:
| $3,750.00 |
Prosper Rating:
| AA |
Auction Duration:
| 7 days
|
|
Term:
| 36 months |
Estimated loss:
| 1.5% | | |
| | | |
|
|
Starting lender yield:
| 7.48% |
Starting borrower rate/APR:
| 8.48% / 8.82% |
Starting monthly payment:
| $118.34 |
| |
|
Auction yield range:
| 3.04% - 7.48% |
Estimated loss impact:
| 1.50% | | |
|
Lender servicing fee:
| 1.00% |
Estimated return:
| 5.98% | | |
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
|
Prosper scores:
| |
First credit line:
| Aug-1998 |
Debt/Income ratio:
| 31% |
|
Basic (1-10):
| 7 |
Inquiries last 6m:
| 4 | Employment status: | Full-time employee |
| Enhanced (1-5): | 3 |
Current / open credit lines:
| 12
/
12 | Length of status: | 5y 1m |
|
Credit score:
| 820-839 (Apr-2010) |
Total credit lines:
| 22 |
Occupation: | Retail Management |
|
Now delinquent:
| 0 |
Revolving credit balance:
| $3,421 | Stated income: | $25,000-$49,999 |
|
Amount delinquent:
| $0 |
Bankcard utilization:
| 6% | | |
|
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| Yes | | |
|
Delinquencies in last 7y:
| 0 | | | | |
|
Screen name:
| responsibility-trader |
Borrower's state:
| Missouri |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Description
expanding an existing business
Purpose of loan:
This loan will be used to?
The existing home pet grooming business has reached its earning capacity and needs to re-locate into a larger facility. The business was established in 2000 and has seen sales increases yearly. Would like to expand into pet boarding and/or pet day care. The business is located in a city with a population of nearly 20,000 people. Very few competitors and none with our reputation. Great growth opportunity.
My financial situation:
I am a good candidate for this loan because?
The business is debt free and financially secure. I have good supplement income from my job and investments.
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
455205
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
|
Amount:
| $12,000.00 |
Prosper Rating:
| HR |
Auction Duration:
| 7 days
|
|
Term:
| 36 months |
Estimated loss:
| 18.0% | | |
| | | |
|
|
Starting lender yield:
| 21.04% |
Starting borrower rate/APR:
| 22.04% / 24.30% |
Starting monthly payment:
| $458.53 |
| |
|
Auction yield range:
| 17.04% - 21.04% |
Estimated loss impact:
| 19.19% | | |
|
Lender servicing fee:
| 1.00% |
Estimated return:
| 1.85% | | |
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-1989 |
Debt/Income ratio:
| 25% |
|
Basic (1-10):
| 4 |
Inquiries last 6m:
| 1 | Employment status: | Full-time employee |
| Enhanced (1-5): | 3 |
Current / open credit lines:
| 5
/
1 | Length of status: | 12y 7m |
|
Credit score:
| 680-699 (Apr-2010) |
Total credit lines:
| 22 |
Occupation: | Teacher |
|
Now delinquent:
| 2 |
Revolving credit balance:
| $7,152 | Stated income: | $75,000-$99,999 |
|
Amount delinquent:
| $10,373 |
Bankcard utilization:
| 75% | | |
|
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| No | | |
|
Delinquencies in last 7y:
| 10 | | | | |
|
Screen name:
| Bookworm100 |
Borrower's state:
| California |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Description
Debt Consolidation
Purpose of loan:
This loan will be used to consolidate credit card debt that I accrued a few years while I underwent medical treatment. Fortunately, I have recovered completely and am enjoying a successful professional career as a full-time high school teacher for 11 years now. I work hard daily as a teacher, hoping to give back to my community by making a difference in the lives of my students. This loan I am requesting will be especially helpful in my attempt to consolidate high interest credit cards and pay them off. This loan will be extremely helpful in allowing me to begin my new school year in September with greater financial peace of mind knowing that I have consolidated my debt and can focus 100% on my teaching duties. I have good credit and have been a very responsible borrower for 20 years since graduating from college. On the report the $10,000 delinquency is an error. That account has been closed and I'm not liable for that debt. I have submitted a dispute with Experian which is currently investigating the matter. Thank you for your consideration. I hope we can benefit each other.
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
455217
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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:
| 12.00% |
Starting borrower rate/APR:
| 13.00% / 15.14% |
Starting monthly payment:
| $252.70 |
| |
|
Auction yield range:
| 11.04% - 12.00% |
Estimated loss impact:
| 10.26% | | |
|
Lender servicing fee:
| 1.00% |
Estimated return:
| 1.74% | | |
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, 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-1997 |
Debt/Income ratio:
| Self-employed (DTI Not Calculated) |
|
Basic (1-10):
| 6 |
Inquiries last 6m:
| 0 | Employment status: | Self-employed |
| Enhanced (1-5): | 5 |
Current / open credit lines:
| 5
/
5 | Length of status: | 1y 3m |
|
Credit score:
| 700-719 (Apr-2010) |
Total credit lines:
| 18 |
Occupation: | Executive |
|
Now delinquent:
| 0 |
Revolving credit balance:
| $17,898 | Stated income: | $75,000-$99,999 |
|
Amount delinquent:
| $0 |
Bankcard utilization:
| 78% | | |
|
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| No | | |
|
Delinquencies in last 7y:
| 0 | | | | |
|
Screen name:
| responsibility-sorcerer |
Borrower's state:
| Tennessee |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Description
Debt Consolidation
Purpose of loan:
I will use this loan to?pay off Credit Card Debt?(USAA $5,000, US Bank $2,500) before my wedding and rebuild my credit score.
My financial situation:
I am a good candidate for this loan because I have a great credit history.? Over the past several years I have had a credit score of over 740.? However, a few months ago I asked US Bank to give me a better interest rate.? They gave me 9.9%, much better than the 14.5% I was paying.? But at the same time they reduced my limit by $8,000 because of the crisis.? Thus, my available credit ratio took a dive and negativly effected my credit score.? I am fed up with this system and prefer to pay interest to people rather than large banks that are already getting huge bailouts paid by our taxes.? I plan to repay this loan within one year.? If?my business?keeps?up I will pay it off much sooner.
Monthly net income: average $5,000 (private consultant)
Monthly expenses: $ 2,750
??Housing: $ 800
??Insurance: $ 150
??Car expenses: $ 0
??Utilities: $ 100
??Phone, cable, internet: $ 50
??Food, entertainment: $?400
??Clothing, household expenses $ 100
??Credit cards and other loans: $1000?= $150 Student?Loan + $500 US Bank?Credit Card+ $350 USAA Credit Card (I pay more than the minimum on the credit cards and they will both go away with the funding of this loan.)
??Other expenses: $ 250
??Usually the remaining funds I have at the end of the month go into building my consulting business.
NOTE:? My credit score shows $18,000 in revolving debt.? This is not current.? Current debt is $10,000 US Bank Credit Card= $2,500 USAA Credit Card= $6,500?and a business line of credit with US Bank for $2000.
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
455229
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
|
Amount:
| $5,000.00 |
Prosper Rating:
| HR |
Auction Duration:
| 7 days
|
|
Term:
| 36 months |
Estimated loss:
| 34.5% | | |
| | | |
|
|
Starting lender yield:
| 34.00% |
Starting borrower rate/APR:
| 35.00% / 37.45% |
Starting monthly payment:
| $226.18 |
| |
|
Auction yield range:
| 17.04% - 34.00% |
Estimated loss impact:
| 36.51% | | |
|
Lender servicing fee:
| 1.00% |
Estimated return:
| -2.51% | | |
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
|
Prosper scores:
| |
First credit line:
| Mar-2004 |
Debt/Income ratio:
| 9% |
|
Basic (1-10):
| 1 |
Inquiries last 6m:
| 8 | Employment status: | Full-time employee |
| Enhanced (1-5): | 3 |
Current / open credit lines:
| 3
/
3 | Length of status: | 2y 8m |
|
Credit score:
| 640-659 (Apr-2010) |
Total credit lines:
| 14 |
Occupation: | Clerical |
|
Now delinquent:
| 0 |
Revolving credit balance:
| $175 | Stated income: | $25,000-$49,999 |
|
Amount delinquent:
| $0 |
Bankcard utilization:
| 13% | | |
|
Public records last 12m / 10y:
| 0/ 1 |
Homeownership:
| No | | |
|
Delinquencies in last 7y:
| 6 | | | | |
|
Screen name:
| nicole1984 |
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
Accomplis Alot of Things
Purpose of loan:
This loan will be used to pay for a new vehicle.I have finally negotiated a good value on my trade-in.I don't understand why my prosper rating is the way that it?is because I have?no credit card debt.I believe i?good debt and using your debt to work for you.I recently graduated with my BA in Accounting,and was abe to attend school with falling deep in debt or incurring any student loans.I plan on purchasing a house within the next year so I would like to improve my credit score as much as possible.I intend to pay my loan off as?early as possible.Any questions just ask?
My financial situation:
I am a good candidate for this loan because?pay all my bills on time and would prefer to use one loan to pay for alot of things as opposed to using credit cards?
Monthly net income: $ 4000
Monthly expenses: $
??Housing: $ 350
??Insurance: $?0
??Car expenses: $ 650
??Utilities: $ 100
??Phone, cable, internet: $180
??Food, entertainment: $ 150
??Clothing, household expenses $200
??Credit cards and other loans: $?0
??Other expenses: $
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
455235
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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:
| 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:
| $77.34 |
| |
|
Auction yield range:
| 3.04% - 6.13% |
Estimated loss impact:
| 0.60% | | |
|
Lender servicing fee:
| 1.00% |
Estimated return:
| 5.53% | | |
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
|
Prosper scores:
| |
First credit line:
| Jun-1998 |
Debt/Income ratio:
| 13% |
|
Basic (1-10):
| 10 |
Inquiries last 6m:
| 0 | Employment status: | Full-time employee |
| Enhanced (1-5): | 5 |
Current / open credit lines:
| 10
/
10 | Length of status: | 2y 8m |
|
Credit score:
| 800-819 (Apr-2010) |
Total credit lines:
| 22 |
Occupation: | Executive |
|
Now delinquent:
| 0 |
Revolving credit balance:
| $10,671 | Stated income: | $75,000-$99,999 |
|
Amount delinquent:
| $0 |
Bankcard utilization:
| 22% | | |
|
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| Yes | | |
|
Delinquencies in last 7y:
| 0 | | | | |
|
Screen name:
| dgagli1 |
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.
Prosper Activity
| Loan history | Payment history | Credit score history |
|
Active / total loans:
| 0 / 1 |
On-time:
| 32 ( 100% )
| 800-819 (Latest)
|
|
Principal borrowed:
| $1,000.00 | < mo. late:
| 0
( 0% )
| 800-819
(Feb-2007)
|
|
Principal balance:
| $0.00 |
1+ mo. late:
| 0
( 0% )
|
|
Total payments billed:
| 32 | | |
Description
Re-investing into Prosper
I am using these funds as a investment in other prosper opportunities.? Your money is essentially guaranteed.? I have never had a late payment, nor will I.? I spent many years building my credit and would not jeopordize my score over $2500.? Good Luck to all bidders.
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
455351
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
|
Amount:
| $2,500.00 |
Prosper Rating:
| HR |
Auction Duration:
| 7 days
|
|
Term:
| 36 months |
Estimated loss:
| 18.0% | | |
| | | |
|
|
Starting lender yield:
| 34.00% |
Starting borrower rate/APR:
| 35.00% / 37.45% |
Starting monthly payment:
| $113.09 |
| |
|
Auction yield range:
| 17.04% - 34.00% |
Estimated loss impact:
| 20.01% | | |
|
Lender servicing fee:
| 1.00% |
Estimated return:
| 13.99% | | |
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
|
Prosper scores:
| |
First credit line:
| Mar-2001 |
Debt/Income ratio:
| 32% |
|
Basic (1-10):
| 4 |
Inquiries last 6m:
| 0 | Employment status: | Full-time employee |
| Enhanced (1-5): | 2 |
Current / open credit lines:
| 8
/
6 | Length of status: | 14y 8m |
|
Credit score:
| 640-659 (Apr-2010) |
Total credit lines:
| 26 |
Occupation: | Military Enlisted |
|
Now delinquent:
| 2 |
Revolving credit balance:
| $4,989 | Stated income: | $50,000-$74,999 |
|
Amount delinquent:
| $1,919 |
Bankcard utilization:
| 99% | | |
|
Public records last 12m / 10y:
| 0/ 1 |
Homeownership:
| Yes | | |
|
Delinquencies in last 7y:
| 13 | | | | |
|
Screen name:
| orange-competent-duty |
Borrower's state:
| Virginia |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Description
Soldier in need of assistance
Purpose of loan: (This is my?third attempt)
I am now financially stable but this loan will further help me?pay down on one of my credit cards used for the unexpected move and improve my credit score. I've recently been station in Saint Louis while still maintaining a home in Virginia and hepling my mother in Pennsylvania?which caused my financial status and credit report to change. I am now back in Virginia and am trying to get back on track and improve my credit score. Please, any assistance would be greatly appreciated!
I have paid on my delinquent accounts but the credit report has not been updated on Prosper.
My financial situation:
I am a good candidate for this loan because I fully?understand the importance of having and maintaining a good credit score and have always been current until recently.?
Monthly net income: $ 6900
Monthly expenses: $ 4755
??Housing: $ 1895
??Insurance: $ 290
??Car expenses: $ 200
??Utilities: $ 295
??Phone, cable, internet: $ 250
??Food, entertainment: $ 300
??Clothing, household expenses $ 300
??Credit cards and other loans: $?1065
??Other expenses: $ 160
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
455423
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
|
Amount:
| $6,500.00 |
Prosper Rating:
| A |
Auction Duration:
| 7 days
|
|
Term:
| 36 months |
Estimated loss:
| 2.1% | | |
| | | |
|
|
Starting lender yield:
| 8.38% |
Starting borrower rate/APR:
| 9.38% / 11.48% |
Starting monthly payment:
| $207.85 |
| |
|
Auction yield range:
| 4.04% - 8.38% |
Estimated loss impact:
| 2.12% | | |
|
Lender servicing fee:
| 1.00% |
Estimated return:
| 6.26% | | |
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
|
Prosper scores:
| |
First credit line:
| Aug-1994 |
Debt/Income ratio:
| 40% |
|
Basic (1-10):
| 9 |
Inquiries last 6m:
| 0 | Employment status: | Full-time employee |
| Enhanced (1-5): | 5 |
Current / open credit lines:
| 9
/
9 | Length of status: | 9y 1m |
|
Credit score:
| 780-799 (Apr-2010) |
Total credit lines:
| 13 |
Occupation: | Other |
|
Now delinquent:
| 0 |
Revolving credit balance:
| $15,328 | Stated income: | $25,000-$49,999 |
|
Amount delinquent:
| $0 |
Bankcard utilization:
| 15% | | |
|
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| No | | |
|
Delinquencies in last 7y:
| 0 | | | | |
|
Screen name:
| BRKvult |
Borrower's state:
| Ohio |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
| Loan history | Payment history | Credit score history |
|
Active / total loans:
| 1 / 1 |
On-time:
| 20 ( 100% )
| 780-799 (Latest)
|
|
Principal borrowed:
| $17,000.00 | < mo. late:
| 0
( 0% )
| 780-799
(Jul-2008)
|
|
Principal balance:
| $6,400.05 |
1+ mo. late:
| 0
( 0% )
|
|
Total payments billed:
| 20 | | |
Description
Refinance existing Prosper.com loan
Purpose of loan:
This loan will be used to pay off an existing?Prosper.com loan. I have successfully paid on the original $17,000?loan 23 payments and have never been late. But now I would like to re finance this to see if I can get a better rate and lower monthly payment.
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
455429
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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:
| 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:
| $147.02 |
| |
|
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-1989 |
Debt/Income ratio:
| Not calculated |
|
Basic (1-10):
| 3 |
Inquiries last 6m:
| 0 | Employment status: | Not employed |
| Enhanced (1-5): | 3 |
Current / open credit lines:
| 2
/
2 | Length of status: | 4y 6m |
|
Credit score:
| 640-659 (Apr-2010) |
Total credit lines:
| 17 | Stated income: | Not employed |
|
Now delinquent:
| 3 |
Revolving credit balance:
| $807 | |
|
Amount delinquent:
| $50 |
Bankcard utilization:
| 80% | | |
|
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| No | | |
|
Delinquencies in last 7y:
| 10 | | | | |
|
Screen name:
| horse164 |
Borrower's state:
| Tennessee |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Description
credit card and medical bills
Purpose of loan:
This loan will be used to pay off credit card debt and to help pay off family medical bills.
My financial situation:
I am a good candidate for this loan because because i have a guaranteed monthly income.
my status shows unemployed, however, I am permanently disabled and received monthly payments.?
I am married and mostly everything is paid for by my spouse, however, I am in current need of some assistance
getting through a rough spot.
Monthly net income: $
775.00
Monthly expenses: $
??Housing: $ 0
??Insurance: $ 0
??Car expenses: $ 0
??Utilities: $ 0
??Phone, cable, internet: $ 85.00
??Food, entertainment: $ 75.00
??Clothing, household expenses $ 75.00
??Credit cards and other loans: $ 100.00
??Other expenses: $ 0
Thank you for your consideration.
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
455447
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
|
Amount:
| $8,000.00 |
Prosper Rating:
| HR |
Auction Duration:
| 7 days
|
|
Term:
| 36 months |
Estimated loss:
| 25.0% | | |
| | | |
|
|
Starting lender yield:
| 17.04% |
Starting borrower rate/APR:
| 18.04% / 20.25% |
Starting monthly payment:
| $289.38 |
| |
|
Auction yield range:
| 17.04% - 17.04% |
Estimated loss impact:
| 25.94% | | |
|
Lender servicing fee:
| 1.00% |
Estimated return:
| -8.90% | | |
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:
| Jan-2003 |
Debt/Income ratio:
| 17% |
|
Basic (1-10):
| 3 |
Inquiries last 6m:
| 3 | Employment status: | Full-time employee |
| Enhanced (1-5): | 4 |
Current / open credit lines:
| 10
/
10 | Length of status: | 7y 10m |
|
Credit score:
| 660-679 (Apr-2010) |
Total credit lines:
| 13 |
Occupation: | Tradesman - Plumber |
|
Now delinquent:
| 0 |
Revolving credit balance:
| $3,804 | Stated income: | $50,000-$74,999 |
|
Amount delinquent:
| $0 |
Bankcard utilization:
| 54% | | |
|
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| Yes | | |
|
Delinquencies in last 7y:
| 0 | | | | |
|
Screen name:
| vault447 |
Borrower's state:
| Connecticut |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Description
Paying off my debt
Purpose of loan:
Consolidate my debts to one monthly payment.
My financial situation:
I am a good candidate for this loan because I pay all my bills
Monthly net income: $
Monthly expenses: $
??Housing: $
??Insurance: $
??Car expenses: $
??Utilities: $
??Phone, cable, internet: $
??Food, entertainment: $
??Clothing, household expenses $
??Credit cards and other loans: $
??Other expenses: $
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
455465
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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:
| E |
Auction Duration:
| 7 days
|
|
Term:
| 36 months |
Estimated loss:
| 14.7% | | |
| | | |
|
|
Starting lender yield:
| 31.86% |
Starting borrower rate/APR:
| 32.86% / 35.56% |
Starting monthly payment:
| $66.05 |
| |
|
Auction yield range:
| 14.04% - 31.86% |
Estimated loss impact:
| 16.17% | | |
|
Lender servicing fee:
| 1.00% |
Estimated return:
| 15.69% | | |
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
|
Prosper scores:
| |
First credit line:
| Oct-1988 |
Debt/Income ratio:
| 61% |
|
Basic (1-10):
| 8 |
Inquiries last 6m:
| 0 | Employment status: | Full-time employee |
| Enhanced (1-5): | 2 |
Current / open credit lines:
| 10
/
10 | Length of status: | 6y 10m |
|
Credit score:
| 600-619 (Apr-2010) |
Total credit lines:
| 56 |
Occupation: | Professional |
|
Now delinquent:
| 4 |
Revolving credit balance:
| $3,639 | Stated income: | $25,000-$49,999 |
|
Amount delinquent:
| $650 |
Bankcard utilization:
| 75% | | |
|
Public records last 12m / 10y:
| 0/ 2 |
Homeownership:
| No | | |
|
Delinquencies in last 7y:
| 45 | | | | |
|
Screen name:
| SmallBus55 |
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.
Prosper Activity
| Loan history | Payment history | Credit score history |
|
Active / total loans:
| 1 / 1 |
On-time:
| 20 ( 100% )
| 600-619 (Latest)
|
|
Principal borrowed:
| $2,000.00 | < mo. late:
| 0
( 0% )
| 600-619
(Jul-2008)
640-659
(Apr-2008)
|
|
Principal balance:
| $1,145.24 |
1+ mo. late:
| 0
( 0% )
|
|
Total payments billed:
| 20 | | |
Description
Consolidate Credit Card Debt
Purpose of loan:? This loan will be used to consolidate my credit card debt. About 2 years ago I started a part-time, back-of-book indexing business, with a loan from Prosper. I have a perfect payment history for this loan and about a year of payments left.
My business is growing more slowly than I anticipated, mainly due to the recession. But I have not given up and plan to continue. I currently clear about $300 monthly from the business, but expect that to grow.
It will be financially advantageous to consolidate my credit card debt, which I currently pay $200 a month for (and at very high interest rates), into a Prosper loan for $1500. If that loan payment is about $75 a month, I will have $125 in cash extra per month.
My financial situation:? I am a good candidate for this loan because I have an excellent understanding of business (an undergraduate degree in business administration), and am self-motivated and hard-working. Although I had some credit difficulties in the past (from family illnesses and school expenses), I?have been and am working?hard to repay all my loans and improve my credit score. I list my credit as "fair" because I want to be honest. I know there are still areas of my credit that need improving, and I am still working on that, which is one reason I?started my indexing business. I am still working full time as a librarian.
Monthly net income: $ 3,300
Monthly expenses:
Housing: $ 900
Insurance: $ 90
Car expenses: $400
Utilities: $ 90
Phone, cable, internet: $ 65
Food, entertainment: $ 400
Clothing, household expenses $ 200
Credit cards: $?200?
Other expenses: $ 100
Current Prosper $90
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
455483
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
|
Amount:
| $12,000.00 |
Prosper Rating:
| HR |
Auction Duration:
| 7 days
|
|
Term:
| 36 months |
Estimated loss:
| 18.0% | | |
| | | |
|
|
Starting lender yield:
| 17.10% |
Starting borrower rate/APR:
| 18.10% / 20.31% |
Starting monthly payment:
| $434.43 |
| |
|
Auction yield range:
| 17.04% - 17.10% |
Estimated loss impact:
| 18.94% | | |
|
Lender servicing fee:
| 1.00% |
Estimated return:
| -1.84% | | |
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
|
Prosper scores:
| |
First credit line:
| Nov-1993 |
Debt/Income ratio:
| 47% |
|
Basic (1-10):
| 3 |
Inquiries last 6m:
| 5 | Employment status: | Full-time employee |
| Enhanced (1-5): | 1 |
Current / open credit lines:
| 29
/
26 | Length of status: | 10y 7m |
|
Credit score:
| 720-739 (Apr-2010) |
Total credit lines:
| 52 |
Occupation: | Professional |
|
Now delinquent:
| 0 |
Revolving credit balance:
| $58,515 | Stated income: | $50,000-$74,999 |
|
Amount delinquent:
| $0 |
Bankcard utilization:
| 75% | | |
|
Public records last 12m / 10y:
| 0/ 1 |
Homeownership:
| Yes | | |
|
Delinquencies in last 7y:
| 0 | | | | |
|
Screen name:
| point-sprout9 |
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
Remodeling Bathroom
Purpose of loan:
This loan will be used to? remodel entire master bathroom.?
My financial situation:
I am a good candidate for this loan because?I am never late on any bills and I always pay over the minimum amt.due!
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
455489
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
|
Amount:
| $1,200.00 |
Prosper Rating:
| HR |
Auction Duration:
| 7 days
|
|
Term:
| 36 months |
Estimated loss:
| 18.0% | | |
| | | |
|
|
Starting lender yield:
| 34.00% |
Starting borrower rate/APR:
| 35.00% / 38.44% |
Starting monthly payment:
| $54.28 |
| |
|
Auction yield range:
| 17.04% - 34.00% |
Estimated loss impact:
| 20.01% | | |
|
Lender servicing fee:
| 1.00% |
Estimated return:
| 13.99% | | |
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
|
Prosper scores:
| |
First credit line:
| May-2005 |
Debt/Income ratio:
| 47% |
|
Basic (1-10):
| 5 |
Inquiries last 6m:
| 0 | Employment status: | Full-time employee |
| Enhanced (1-5): | 3 |
Current / open credit lines:
| 6
/
6 | Length of status: | 2y 6m |
|
Credit score:
| 640-659 (Apr-2010) |
Total credit lines:
| 7 |
Occupation: | Nurse's Aide |
|
Now delinquent:
| 1 |
Revolving credit balance:
| $782 | Stated income: | $1-$24,999 |
|
Amount delinquent:
| $256 |
Bankcard utilization:
| 97% | | |
|
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| No | | |
|
Delinquencies in last 7y:
| 0 | | | | |
|
Screen name:
| gurlwittwitt |
Borrower's state:
| Texas |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Description
Bedroom set
Purpose of loan:
Purchase Furniture
My financial situation:
?? I want to purchase some additional furniture.??I need a bedroom set. My husband pays all the bills for the home except the car and student loan.?
Monthly net income: $1,224
Monthly expenses: $?
????Food, entertainment: $ 50
??? Car Loan: $630
? Student Loan: $80
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
455495
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
|
Amount:
| $11,000.00 |
Prosper Rating:
| HR |
Auction Duration:
| 7 days
|
|
Term:
| 36 months |
Estimated loss:
| 25.0% | | |
| | | |
|
|
Starting lender yield:
| 18.04% |
Starting borrower rate/APR:
| 19.04% / 21.26% |
Starting monthly payment:
| $403.44 |
| |
|
Auction yield range:
| 17.04% - 18.04% |
Estimated loss impact:
| 26.00% | | |
|
Lender servicing fee:
| 1.00% |
Estimated return:
| -7.96% | | |
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, 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-2007 |
Debt/Income ratio:
| Not calculated |
|
Basic (1-10):
| 3 |
Inquiries last 6m:
| 1 | Employment status: | Full-time employee |
| Enhanced (1-5): | 3 |
Current / open credit lines:
| 10
/
10 | Length of status: | 2y 11m |
|
Credit score:
| 600-619 (Apr-2010) |
Total credit lines:
| 11 |
Occupation: | Other |
|
Now delinquent:
| 0 |
Revolving credit balance:
| $5,859 | Stated income: | $0 |
|
Amount delinquent:
| $0 |
Bankcard utilization:
| 76% | | |
|
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| No | | |
|
Delinquencies in last 7y:
| 0 | | | | |
|
Screen name:
| ptnglobal |
Borrower's state:
| Washington |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
| Loan history | Payment history | Credit score history |
|
Active / total loans:
| 0 / 1 |
On-time:
| 24 ( 100% )
| 600-619 (Latest)
|
|
Principal borrowed:
| $1,000.00 | < mo. late:
| 0
( 0% )
| 620-639
(Feb-2008)
|
|
Principal balance:
| $0.00 |
1+ mo. late:
| 0
( 0% )
|
|
Total payments billed:
| 24 | | |
Description
DEBT CONSOLIDATION-NEVER BEEN LATE
Purpose of loan:
I will use this loan to pay off my credit card debt and a car loan. I want to consolidate all my debt into one monthly payment and reduce the interest rate.
My financial situation:
I have never missed a payment on my credit cards?since I received my first credit card three years ago and never on a loan. My credit rating is low because of??most of my credit cards have been fairly close to being maxed out for quite some time and this is why I am here now. I run a precious metals (buying and selling coins, bars, etc.) business on the side and?it requires?a lot of cash on hand to?invest in inventory purchases,?and this is the major reason I have been only making minimum payments on my credit cards. Additionally, I have had a loan with Prosper before and it is completely paid off and I never missed a payment.
My sources of income are the precious metals business I mentioned above, short term trading in the forex market, buying/selling estate and garage sale items on the internet, dividends, and I am also selling generic electronics on the internet such as cell phones. I have several streams of income and I always plan ahead. I know this loan money comes from people like myself trying to make a profit and I promise I will not ever miss a payment on this loan. If something unforseen happens, I can get a job almost immediately through a family member and if that doesn't happen in time, I can get a loan from a family member until I am stable again. And in the event that that does not work, I have enough assets to sell to pay off this loan (gold bars, stocks, car, computer, laptop,?etc.) In conclusion, I have several sources of income and I have?three backup plans. I should not have any trouble though, I have been paying a monthly $350-400 credit card bill for the last year and a half and this loan will consolidate that into one payment of around the same amount.
Lastly, I would like to note that my expenses are very low. I am currently a student in the University of Washington business school and live rent free at my parent's home until I graduate.
Monthly net income: Varies-$ 2,000-3,000 on average
Monthly expenses: $
??Housing: $ 0
??Insurance: $ 308
??Car expenses: $150
??Utilities: $ 0
??Phone, cable, internet: $0
??Food, entertainment: $ 140
??Clothing, household expenses $ 50
??Credit cards and other loans: $ 355
??Other expenses: $ 0
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
455501
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
|
Amount:
| $12,500.00 |
Prosper Rating:
| HR |
Auction Duration:
| 7 days
|
|
Term:
| 36 months |
Estimated loss:
| 18.0% | | |
| | | |
|
|
Starting lender yield:
| 34.00% |
Starting borrower rate/APR:
| 35.00% / 37.45% |
Starting monthly payment:
| $565.45 |
| |
|
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:
| Dec-1993 |
Debt/Income ratio:
| 39% |
|
Basic (1-10):
| 5 |
Inquiries last 6m:
| 3 | Employment status: | Full-time employee |
| Enhanced (1-5): | 1 |
Current / open credit lines:
| 14
/
14 | Length of status: | 0y 11m |
|
Credit score:
| 700-719 (Apr-2010) |
Total credit lines:
| 32 |
Occupation: | Sales - Retail |
|
Now delinquent:
| 0 |
Revolving credit balance:
| $58,480 | Stated income: | $75,000-$99,999 |
|
Amount delinquent:
| $0 |
Bankcard utilization:
| 84% | | |
|
Public records last 12m / 10y:
| 0/ 1 |
Homeownership:
| Yes | | |
|
Delinquencies in last 7y:
| 0 | | | | |
|
Screen name:
| nurse7 |
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
payoff my credit card
Purpose of loan:
This loan will be used to?
My financial situation:
I am a good candidate for this loan because?
Monthly net income: $
Monthly expenses: $
??Housing: $
??Insurance: $
??Car expenses: $
??Utilities: $
??Phone, cable, internet: $
??Food, entertainment: $
??Clothing, household expenses $
??Credit cards and other loans: $
??Other expenses: $
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
455507
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
|
Amount:
| $3,800.00 |
Prosper Rating:
| E |
Auction Duration:
| 7 days
|
|
Term:
| 36 months |
Estimated loss:
| 14.7% | | |
| | | |
|
|
Starting lender yield:
| 31.86% |
Starting borrower rate/APR:
| 32.86% / 35.28% |
Starting monthly payment:
| $167.33 |
| |
|
Auction yield range:
| 14.04% - 31.86% |
Estimated loss impact:
| 16.17% | | |
|
Lender servicing fee:
| 1.00% |
Estimated return:
| 15.69% | | |
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
|
Prosper scores:
| |
First credit line:
| Jun-1994 |
Debt/Income ratio:
| 26% |
|
Basic (1-10):
| 8 |
Inquiries last 6m:
| 0 | Employment status: | Full-time employee |
| Enhanced (1-5): | 5 |
Current / open credit lines:
| 12
/
11 | Length of status: | 4y 0m |
|
Credit score:
| 620-639 (Apr-2010) |
Total credit lines:
| 31 |
Occupation: | Professional |
|
Now delinquent:
| 1 |
Revolving credit balance:
| $10,215 | Stated income: | $50,000-$74,999 |
|
Amount delinquent:
| $149 |
Bankcard utilization:
| 57% | | |
|
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| No | | |
|
Delinquencies in last 7y:
| 3 | | | | |
|
Screen name:
| tlk67 |
Borrower's state:
| Florida |
Borrower's group:
| FUTURE FINANCIAL FREEDOM 1 |
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
| Loan history | Payment history | Credit score history |
|
Active / total loans:
| 1 / 1 |
On-time:
| 35 ( 100% )
| 620-639 (Latest)
|
|
Principal borrowed:
| $1,000.00 | < mo. late:
| 0
( 0% )
| 560-579
(Nov-2007)
560-579
(Apr-2007)
560-579
(Mar-2007)
|
|
Principal balance:
| $36.11 |
1+ mo. late:
| 0
( 0% )
|
|
Total payments billed:
| 35 | | |
Description
Paralegal school
I have been a legal secretary for 11 years and my salary is $50k.?
I am currently in school to achieve my paralegal degree however I no longer qualify for federal financial aid and my school (Palm Beach State) does not participate in private loans with any bank.? I no longer qualify for federal aid because I have taken too many classes over the years that I reached the maximum (who knew there was such a thing!)? I am in need of $3800 to fully fund the remainder of my degree.
Thank you all so much for your anticipated help and please feel free to e-mail me with absolutely any questions you may have.? Thank you!
Information in the Description is not verified.