Listing Report:Supplement No. 238 dated May 12, 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
428834
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
|
Amount:
| $21,000.00 |
Prosper Rating:
| HR |
Auction Duration:
| 7 days
|
|
Term:
| 36 months |
Estimated loss:
| 18.0% | | |
| | | |
|
|
Starting lender yield:
| 16.99% |
Starting borrower rate/APR:
| 17.99% / 20.20% |
Starting monthly payment:
| $759.09 |
| |
|
Auction yield range:
| 16.99% - 16.99% |
Estimated loss impact:
| 18.94% | | |
|
Lender servicing fee:
| 1.00% |
Estimated return:
| -1.95% | | |
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments 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:
| 30% |
|
Basic (1-10):
| 3 |
Inquiries last 6m:
| 0 | Employment status: | Full-time employee |
| Enhanced (1-5): | 5 |
Current / open credit lines:
| 10
/
6 | Length of status: | 7y 11m |
|
Credit score:
| 720-739 (May-2010) |
Total credit lines:
| 26 |
Occupation: | Sales - Commission |
|
Now delinquent:
| 0 |
Revolving credit balance:
| $749 | Stated income: | $50,000-$74,999 |
|
Amount delinquent:
| $0 |
Bankcard utilization:
| 47% | | |
|
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| No | | |
|
Delinquencies in last 7y:
| 0 | | | | |
|
Screen name:
| determined-liberty |
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
Debt free in 3 years!
Purpose of loan:
This loan will be used to pay off previous loan, credit card,?and get me into a good financial place for my family.
My financial situation:
I am a good candidate for this loan because I have a great job at a great company (going on 9 years), I work very hard, have moved up thru company, won many sales awards. My wife also has a great?job (7 years) and?takes care of our mortgage and other costs. Over past 3 years, my son was diagnosed with a hearing loss and?is currently in speech therapy (doing very well). With a growing family, out-of-pocket expenses?for his hearing aids (3k cost out of my savings just this year), and the added cost of day care (my mom has watched my 2 sons but recently has had health probelms....the added cost of unexpected daycare ($1500/month) has added up) and I am looking for a way to put?my?debt into one loan and repay in?3 years. This will?allow me to be debt free in 3 years. I have my?car?paid for?since November 09 (85,000 miles - great condition)?which will also give me more cash to help pay off?this loan in?3 years.?I also expect to get into outside sales within the next year which could increase my pay to over $100,000 dollars. Thanks for your help.
Monthly net income: $ 3000-3800
Monthly expenses: $
??Housing: $?0
??Insurance: $?0
??Car expenses: $100
??Utilities: $ 150
??Phone, cable, internet: $ 50
??Food, entertainment: $?150
??Clothing, household expenses $?0
??Credit cards and other loans: $?600
??Other expenses: $ 1500
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
456744
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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:
| 19.0% | | |
| | | |
|
|
Starting lender yield:
| 24.00% |
Starting borrower rate/APR:
| 25.00% / 27.31% |
Starting monthly payment:
| $119.28 |
| |
|
Auction yield range:
| 16.99% - 24.00% |
Estimated loss impact:
| 20.38% | | |
|
Lender servicing fee:
| 1.00% |
Estimated return:
| 3.62% | | |
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
|
Prosper scores:
| |
First credit line:
| Aug-1989 |
Debt/Income ratio:
| 22% |
|
Basic (1-10):
| 4 |
Inquiries last 6m:
| 4 | Employment status: | Full-time employee |
| Enhanced (1-5): | 3 |
Current / open credit lines:
| 6
/
4 | Length of status: | 21y 9m |
|
Credit score:
| 600-619 (May-2010) |
Total credit lines:
| 13 |
Occupation: | Laborer |
|
Now delinquent:
| 0 |
Revolving credit balance:
| $0 | Stated income: | $50,000-$74,999 |
|
Amount delinquent:
| $0 |
Bankcard utilization:
| 0% | | |
|
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| No | | |
|
Delinquencies in last 7y:
| 7 | | | | |
|
Screen name:
| tender-bazaar |
Borrower's state:
| NewYork |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
| Loan history | Payment history | Credit score history |
|
Active / total loans:
| 0 / 1 |
On-time:
| 2 ( 100% )
| 600-619 (Latest)
|
|
Principal borrowed:
| $1,500.00 | < 31 days late:
| 0
( 0% )
| 640-659
(Dec-2009)
640-659
(Oct-2009)
|
|
Principal balance:
| $0.01 |
31+ days late:
| 0
( 0% )
|
|
Total payments billed:
| 2 | | |
Description
payoff 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
457624
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
|
Amount:
| $10,000.00 |
Prosper Rating:
| HR |
Auction Duration:
| 7 days
|
|
Term:
| 36 months |
Estimated loss:
| 25.0% | | |
| | | |
|
|
Starting lender yield:
| 34.00% |
Starting borrower rate/APR:
| 36.00% / 38.47% |
Starting monthly payment:
| $458.04 |
| |
|
Auction yield range:
| 16.99% - 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:
| Dec-1993 |
Debt/Income ratio:
| Not calculated |
|
Basic (1-10):
| 3 |
Inquiries last 6m:
| 0 | Employment status: | Retired |
| Enhanced (1-5): | 5 |
Current / open credit lines:
| 11
/
10 | Length of status: | 30y 4m |
|
Credit score:
| 680-699 (May-2010) |
Total credit lines:
| 16 | Stated income: | $1-$24,999 |
|
Now delinquent:
| 0 |
Revolving credit balance:
| $16,299 | |
|
Amount delinquent:
| $0 |
Bankcard utilization:
| 93% | | |
|
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| Yes | | |
|
Delinquencies in last 7y:
| 1 | | | | |
|
Screen name:
| NavyWifeNP |
Borrower's state:
| Nebraska |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Description
In need of house fixing
Purpose of loan:
This loan will be used to fix some neglected things since my husband died.? He was a retired Navy man.
My financial situation:
I am a good candidate for this loan because I'm very diligent when it comes to paying anything back that I borrow.?
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
457806
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
|
Amount:
| $8,500.00 |
Prosper Rating:
| HR |
Auction Duration:
| 7 days
|
|
Term:
| 36 months |
Estimated loss:
| 25.0% | | |
| | | |
|
|
Starting lender yield:
| 34.00% |
Starting borrower rate/APR:
| 35.00% / 37.45% |
Starting monthly payment:
| $384.51 |
| |
|
Auction yield range:
| 16.99% - 34.00% |
Estimated loss impact:
| 27.01% | | |
|
Lender servicing fee:
| 1.00% |
Estimated return:
| 6.99% | | |
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
|
Prosper scores:
| |
First credit line:
| Feb-1979 |
Debt/Income ratio:
| 27% |
|
Basic (1-10):
| 2 |
Inquiries last 6m:
| 0 | Employment status: | Full-time employee |
| Enhanced (1-5): | 4 |
Current / open credit lines:
| 26
/
24 | Length of status: | 22y 6m |
|
Credit score:
| 640-659 (May-2010) |
Total credit lines:
| 89 |
Occupation: | Pilot - Private/Com... |
|
Now delinquent:
| 2 |
Revolving credit balance:
| $24,061 | Stated income: | $100,000+ |
|
Amount delinquent:
| $577 |
Bankcard utilization:
| 88% | | |
|
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| Yes | | |
|
Delinquencies in last 7y:
| 0 | | | | |
|
Screen name:
| conner |
Borrower's state:
| Texas |
Borrower's group:
| 440+ Supporting Lenders. Get FUNDED @ LOWER % than ANY group |
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
| Loan history | Payment history | Credit score history |
|
Active / total loans:
| 0 / 1 |
On-time:
| 35 ( 100% )
| 640-659 (Latest)
|
|
Principal borrowed:
| $11,500.00 | < 31 days late:
| 0
( 0% )
| 600-619
(Oct-2006)
620-639
(Aug-2006)
|
|
Principal balance:
| $0.00 |
31+ days late:
| 0
( 0% )
|
|
Total payments billed:
| 35 | | |
Description
debt consolidation
This loan is to pay off some high interest loans I took out for medical tests.I have researched the 577.00 in delinquent payments and found it to be medical bills since the last listing.They did not have my insurance information and it went straight to collections.I never received a bill for the services.Between my heart stents appendix removal and the major surgery my wife had we ran up over 200,000.00 in medical bills.Insurance paid most of it but we were still out almost 20 percent.Since my wife has worked for the hospital for over 17 years they usually put any outstanding bills on her payroll deductions.For some reason these got missed.Part of the loan will clear these.Along with that my daughter and son in law moved in with us after he got out of the marines.He did 2 tours in Iraq and we are helping them out until they get back on there feet.I ended up paying 20 percent up front for tests to keep my FAA medical to continue to fly.I have a higher credit score and make more money than I did since the last loan with prosper.The loan amount I am requesting is less as are the monthly payments.If not for the new medical bills I would not be considered HR.This loan will save me over 1600.00 in monthly loan?payments.As an investor funding this loan you can be reassured you will get paid back.I feel 23 years and my wife's 17 years with the same employer shows a very stable work environment an the ability to repay this loan.If you truly want a good return on your money with low risk then fund this loan.
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
457836
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
|
Amount:
| $16,500.00 |
Prosper Rating:
| HR |
Auction Duration:
| 7 days
|
|
Term:
| 36 months |
Estimated loss:
| 18.0% | | |
| | | |
|
|
Starting lender yield:
| 16.99% |
Starting borrower rate/APR:
| 17.99% / 20.20% |
Starting monthly payment:
| $596.43 |
| |
|
Auction yield range:
| 16.99% - 16.99% |
Estimated loss impact:
| 18.94% | | |
|
Lender servicing fee:
| 1.00% |
Estimated return:
| -1.95% | | |
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
|
Prosper scores:
| |
First credit line:
| May-1999 |
Debt/Income ratio:
| 53% |
|
Basic (1-10):
| 5 |
Inquiries last 6m:
| 0 | Employment status: | Full-time employee |
| Enhanced (1-5): | 5 |
Current / open credit lines:
| 10
/
9 | Length of status: | 3y 10m |
|
Credit score:
| 640-659 (May-2010) |
Total credit lines:
| 20 |
Occupation: | Other |
|
Now delinquent:
| 0 |
Revolving credit balance:
| $14,834 | Stated income: | $25,000-$49,999 |
|
Amount delinquent:
| $0 |
Bankcard utilization:
| 72% | | |
|
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| No | | |
|
Delinquencies in last 7y:
| 0 | | | | |
|
Screen name:
| unbeatable-note |
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 consolidate the debt that my husband and I have accrued over the past several years moving around the country for his job.? We would like to have one payment and actually work towards paying off a balance, as opposed to the 4 separate payments we have right now for our CC debt.
My financial situation:
I am a good candidate for this loan because I also have the contribution of my husband's income, not just my own to be able to pay off this loan.? We are in good standing and always pay our bills on time. We are responsible when it comes to our financial situation and make sure we're always on top of everything. With a new baby due in July, we want to get even more in control of our finances and make them 100% manageable and easy to stay on top of.
Monthly net income: $ 5,000
Monthly expenses: $ 3657.41
??Housing: $ 985.00
??Insurance: $ 130.00
??Car expenses: $ 782.41
??Utilities: $ 100.00
??Phone, cable, internet: $ 210.00
??Food, entertainment: $ 400.00
??Clothing, household expenses $?100.00
??Credit cards and other loans: $?950.00
??Other expenses: $
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
457884
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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:
| E |
Auction Duration:
| 7 days
|
|
Term:
| 36 months |
Estimated loss:
| 14.7% | | |
| | | |
|
|
Starting lender yield:
| 34.00% |
Starting borrower rate/APR:
| 35.00% / 37.45% |
Starting monthly payment:
| $316.65 |
| |
|
Auction yield range:
| 13.99% - 34.00% |
Estimated loss impact:
| 16.27% | | |
|
Lender servicing fee:
| 1.00% |
Estimated return:
| 17.73% | | |
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
|
Prosper scores:
| |
First credit line:
| Jul-1994 |
Debt/Income ratio:
| 20% |
|
Basic (1-10):
| 6 |
Inquiries last 6m:
| 0 | Employment status: | Full-time employee |
| Enhanced (1-5): | 5 |
Current / open credit lines:
| 8
/
7 | Length of status: | 5y 0m |
|
Credit score:
| 620-639 (May-2010) |
Total credit lines:
| 28 |
Occupation: | Other |
|
Now delinquent:
| 0 |
Revolving credit balance:
| $5,811 | Stated income: | $50,000-$74,999 |
|
Amount delinquent:
| $0 |
Bankcard utilization:
| 94% | | |
|
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| No | | |
|
Delinquencies in last 7y:
| 0 | | | | |
|
Screen name:
| K-Mac |
Borrower's state:
| Georgia |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
| Loan history | Payment history | Credit score history |
|
Active / total loans:
| 1 / 2 |
On-time:
| 54 ( 93% )
| 620-639 (Latest)
|
|
Principal borrowed:
| $6,000.00 | < 31 days late:
| 4
( 7% )
| 600-619
(May-2008)
600-619
(Apr-2008)
600-619
(Mar-2007)
|
|
Principal balance:
| $452.34 |
31+ days late:
| 0
( 0% )
|
|
Total payments billed:
| 58 | | |
Description
Credit Card Consolidation
Purpose of loan:
This loan will be used to consolidate my credit cards.
My financial situation:
I am a good candidate for this loan because I have worked hard to make payments on my debt/bills and I will continue to do so. I have been at my current employer for 5 years and am now fully vested. My spouse was laid off from her job of 8 years while 5 months pregnant with our?second child?in 2008. We have worked extremely hard since then to pay off our debt. We spend on only things that we need. This loan will?allow us to consolidate the remainder of our high interest credit card debt.
Monthly net income: $ 4,000
Monthly expenses: $
??Housing: $ 1185
??Insurance: $?80
??Car expenses: $ 60
??Utilities: $ 100
??Phone, cable, internet: $ 120
??Food, entertainment: $ 300
??Clothing, household expenses $ 60
??Credit cards and other loans: $ 250
??Other expenses: $ 0
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
457890
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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:
| 16.99% - 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-1987 |
Debt/Income ratio:
| 73% |
|
Basic (1-10):
| 5 |
Inquiries last 6m:
| 2 | Employment status: | Full-time employee |
| Enhanced (1-5): | 1 |
Current / open credit lines:
| 8
/
6 | Length of status: | 3y 2m |
|
Credit score:
| 660-679 (May-2010) |
Total credit lines:
| 47 |
Occupation: | Other |
|
Now delinquent:
| 3 |
Revolving credit balance:
| $54,428 | Stated income: | $25,000-$49,999 |
|
Amount delinquent:
| $18,383 |
Bankcard utilization:
| 90% | | |
|
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| Yes | | |
|
Delinquencies in last 7y:
| 22 | | | | |
|
Screen name:
| transparency-cleansing7 |
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
to be debt free
Purpose of loan:
This loan will be used to?
Pay the remaing credit card debt I owe
My financial situation:
I am a good candidate for this loan because?
I have settled with all my creditors and will soon be debt free
Monthly net income: $
4,800.00
Monthly expenses: $
??Housing: $??1700.00
??Insurance: $ 150.00
??Car expenses: $ 275.00
??Utilities: $ 150.00
??Phone, cable, internet: $ 150.00
??Food, entertainment: $?400.00
??Clothing, household expenses $ 0
??Credit cards and other loans: $ 5,000
??Other expenses: $ 0
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
457896
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
|
Amount:
| $10,000.00 |
Prosper Rating:
| HR |
Auction Duration:
| 7 days
|
|
Term:
| 36 months |
Estimated loss:
| 34.5% | | |
| | | |
|
|
Starting lender yield:
| 19.00% |
Starting borrower rate/APR:
| 20.00% / 22.24% |
Starting monthly payment:
| $371.64 |
| |
|
Auction yield range:
| 16.99% - 19.00% |
Estimated loss impact:
| 35.56% | | |
|
Lender servicing fee:
| 1.00% |
Estimated return:
| -16.56% | | |
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
|
Prosper scores:
| |
First credit line:
| Jan-1985 |
Debt/Income ratio:
| 15% |
|
Basic (1-10):
| 1 |
Inquiries last 6m:
| 0 | Employment status: | Full-time employee |
| Enhanced (1-5): | 4 |
Current / open credit lines:
| 3
/
3 | Length of status: | 27y 7m |
|
Credit score:
| 620-639 (May-2010) |
Total credit lines:
| 35 |
Occupation: | Engineer - Mechanic... |
|
Now delinquent:
| 4 |
Revolving credit balance:
| $813 | Stated income: | $75,000-$99,999 |
|
Amount delinquent:
| $13,276 |
Bankcard utilization:
| 81% | | |
|
Public records last 12m / 10y:
| 0/ 1 |
Homeownership:
| No | | |
|
Delinquencies in last 7y:
| 7 | | | | |
|
Screen name:
| fernannorma |
Borrower's state:
| California |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
| Loan history | Payment history | Credit score history |
|
Active / total loans:
| 1 / 1 |
On-time:
| 33 ( 100% )
| 620-639 (Latest)
|
|
Principal borrowed:
| $5,000.00 | < 31 days late:
| 0
( 0% )
| 580-599
(Jun-2007)
560-579
(Apr-2007)
580-599
(Apr-2007)
|
|
Principal balance:
| $574.51 |
31+ days late:
| 0
( 0% )
|
|
Total payments billed:
| 33 | | |
Description
debt consolidation
Purpose of loan: DEbt Consolidation
This loan will be used to pay off higer ibterest loans?
My financial situation:
I am a good candidate for this loan because I have an existing account with Prosper and have never missed a payment. My existing loan balance is $574.51. The balance can be taken off from the loan request if approved. I havr zero house expenses, zero insurance, zero car payment,. zero utilities?because my company is providing me with housing, insurance and car on foreign assignment
Monthly net income: $ 7,000.00?
Monthly expenses: $
??Housing: $ 0
??Insurance: $ 0
??Car expenses: $ 0
??Utilities: $ 0
??Phone, cable, internet: $ 20
??Food, entertainment: $ 600
??Clothing, household expenses $ 200
??Credit cards and other loans: $ 300
??Other expenses: $ 400
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
457914
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
|
Amount:
| $20,000.00 |
Prosper Rating:
| HR |
Auction Duration:
| 7 days
|
|
Term:
| 36 months |
Estimated loss:
| 25.0% | | |
| | | |
|
|
Starting lender yield:
| 28.00% |
Starting borrower rate/APR:
| 29.00% / 31.36% |
Starting monthly payment:
| $838.11 |
| |
|
Auction yield range:
| 16.99% - 28.00% |
Estimated loss impact:
| 26.63% | | |
|
Lender servicing fee:
| 1.00% |
Estimated return:
| 1.37% | | |
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
|
Prosper scores:
| |
First credit line:
| Oct-1999 |
Debt/Income ratio:
| 30% |
|
Basic (1-10):
| 3 |
Inquiries last 6m:
| 1 | Employment status: | Full-time employee |
| Enhanced (1-5): | 4 |
Current / open credit lines:
| 13
/
9 | Length of status: | 4y 4m |
|
Credit score:
| 640-659 (May-2010) |
Total credit lines:
| 21 |
Occupation: | Computer Programmer |
|
Now delinquent:
| 2 |
Revolving credit balance:
| $3,273 | Stated income: | $75,000-$99,999 |
|
Amount delinquent:
| $101,726 |
Bankcard utilization:
| 25% | | |
|
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| Yes | | |
|
Delinquencies in last 7y:
| 4 | | | | |
|
Screen name:
| ArsGodFather |
Borrower's state:
| Washington |
Borrower's group:
| Ars OpenForum Members |
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
| Loan history | Payment history | Credit score history |
|
Active / total loans:
| 1 / 1 |
On-time:
| 24 ( 100% )
| 640-659 (Latest)
|
|
Principal borrowed:
| $4,000.00 | < 31 days late:
| 0
( 0% )
| 640-659
(Apr-2008)
660-679
(Mar-2008)
|
|
Principal balance:
| $1,510.89 |
31+ days late:
| 0
( 0% )
|
|
Total payments billed:
| 24 | | |
Description
Helping my wife and I get pregnant
Purpose of loan:
My wife is 31 and I am 28 and we have been trying to get pregnant for about 5 years. We recently found out that not only does she have a limited egg supply but she also has completely non-functional tubes and the only option left for us to get Invitro Fertilization (IVF.) We got our IVF estimate and it is going to cost about $20,00 and we need to pay for it in full by the end of August if we want to get into the September cycle. Due to the limited egg supply getting started as soon as possible is critical.
This is our last chance to have children of our own, please help us make our dreams come true.
My financial situation:
On paper it may look like I am risky candidate, but I can assure you that we are financially sound at this point in time. We got sucked into the housing market and ended up buying a house that we simply couldn't afford to keep after the loan adjusted. We have worked with the bank and are about 30 days away from securing a short sale which will remove the foreclosure from our credit.
We have recently paid off most of the rest of our debt and have a plan to be completely free from debt within the next 12 months. I also have an existing prosper loan that was funded a couple of years ago and have never been late with a payment. Our payment record on everything but the house is also virtually spotless. We made some mistakes when we were younger but have since learned from them and desperately want to start a family.
Monthly net income: $8800.00
Monthly expenses: $5200.00
??Housing: $1700.00
??Insurance: $200.00
??Car expenses: $600.00
??Utilities: $450.00
??Phone, cable, internet: $350.00
??Food, entertainment: $900.00
??Clothing, household expenses $200.00
??Credit cards and other loans: $600.00
??Other expenses: $200.00
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
457934
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
|
Amount:
| $20,000.00 |
Prosper Rating:
| D |
Auction Duration:
| 7 days
|
|
Term:
| 36 months |
Estimated loss:
| 10.0% | | |
| | | |
|
|
Starting lender yield:
| 10.99% |
Starting borrower rate/APR:
| 11.99% / 14.12% |
Starting monthly payment:
| $664.19 |
| |
|
Auction yield range:
| 10.99% - 10.99% |
Estimated loss impact:
| 10.23% | | |
|
Lender servicing fee:
| 1.00% |
Estimated return:
| 0.76% | | |
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments 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:
| 15% |
|
Basic (1-10):
| 6 |
Inquiries last 6m:
| 1 | Employment status: | Full-time employee |
| Enhanced (1-5): | 5 |
Current / open credit lines:
| 9
/
6 | Length of status: | 0y 5m |
|
Credit score:
| 740-759 (May-2010) |
Total credit lines:
| 13 |
Occupation: | Engineer - Mechanic... |
|
Now delinquent:
| 0 |
Revolving credit balance:
| $19,869 | Stated income: | $100,000+ |
|
Amount delinquent:
| $0 |
Bankcard utilization:
| 61% | | |
|
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| No | | |
|
Delinquencies in last 7y:
| 0 | | | | |
|
Screen name:
| Heathbn |
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
Paying off my credit cards
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
457938
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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:
| 16.99% - 34.00% |
Estimated loss impact:
| 20.01% | | |
|
Lender servicing fee:
| 1.00% |
Estimated return:
| 13.99% | | |
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
|
Prosper scores:
| |
First credit line:
| Jan-1998 |
Debt/Income ratio:
| 22% |
|
Basic (1-10):
| 5 |
Inquiries last 6m:
| 5 | Employment status: | Full-time employee |
| Enhanced (1-5): | 1 |
Current / open credit lines:
| 15
/
15 | Length of status: | 19y 10m |
|
Credit score:
| 640-659 (Apr-2010) |
Total credit lines:
| 31 |
Occupation: | Tradesman - Mechani... |
|
Now delinquent:
| 0 |
Revolving credit balance:
| $4,314 | Stated income: | $75,000-$99,999 |
|
Amount delinquent:
| $0 |
Bankcard utilization:
| 76% | | |
|
Public records last 12m / 10y:
| 0/ 1 |
Homeownership:
| Yes | | |
|
Delinquencies in last 7y:
| 0 | | | | |
|
Screen name:
| mitsubishi58 |
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.
Prosper Activity
| Loan history | Payment history | Credit score history |
|
Active / total loans:
| 0 / 1 |
On-time:
| 12 ( 100% )
| 640-659 (Latest)
|
|
Principal borrowed:
| $4,000.00 | < 31 days late:
| 0
( 0% )
| 600-619
(Nov-2007)
620-639
(Oct-2007)
|
|
Principal balance:
| $0.00 |
31+ days late:
| 0
( 0% )
|
|
Total payments billed:
| 12 | | |
Description
credit debt & car repair
Purpose of loan:
(explain what you will be using this loan for)?car repairs? and consolidate my credit card debt
My financial situation:
(explain why you are a good candidate for paying back this loan) this?will be?my second prosper loan 1st payed in full never late?now working two jobs and paying bills on time. been at present job for?20 years now second job about 1 year 5 months
Monthly net income: $ 5200
Monthly expenses: $
??Housing: $ 800.00
??Insurance: $ 55.00
??Car expenses: $ 350.00
??Utilities: $ 85.00
??Phone, cable, internet: $ 75.00
??Food, entertainment: $ 80.00
??Clothing, household expenses $ 65.00
??Credit cards and other loans: $ 100.00
??Other expenses: $
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
457952
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
|
Amount:
| $6,150.00 |
Prosper Rating:
| HR |
Auction Duration:
| 7 days
|
|
Term:
| 36 months |
Estimated loss:
| 19.0% | | |
| | | |
|
|
Starting lender yield:
| 34.00% |
Starting borrower rate/APR:
| 35.00% / 37.45% |
Starting monthly payment:
| $278.20 |
| |
|
Auction yield range:
| 16.99% - 34.00% |
Estimated loss impact:
| 21.01% | | |
|
Lender servicing fee:
| 1.00% |
Estimated return:
| 12.99% | | |
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
|
Prosper scores:
| |
First credit line:
| Jul-1994 |
Debt/Income ratio:
| 18% |
|
Basic (1-10):
| 4 |
Inquiries last 6m:
| 0 | Employment status: | Full-time employee |
| Enhanced (1-5): | 4 |
Current / open credit lines:
| 6
/
5 | Length of status: | 4y 1m |
|
Credit score:
| 620-639 (May-2010) |
Total credit lines:
| 12 |
Occupation: | Retail Management |
|
Now delinquent:
| 0 |
Revolving credit balance:
| $1,202 | Stated income: | $25,000-$49,999 |
|
Amount delinquent:
| $0 |
Bankcard utilization:
| 150% | | |
|
Public records last 12m / 10y:
| 0/ 2 |
Homeownership:
| No | | |
|
Delinquencies in last 7y:
| 4 | | | | |
|
Screen name:
| jobear |
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:
| 28 ( 90% )
| 620-639 (Latest)
|
|
Principal borrowed:
| $4,300.00 | < 31 days late:
| 3
( 10% )
| 600-619
(Apr-2010)
600-619
(Mar-2010)
600-619
(Feb-2010)
600-619
(Dec-2009)
|
|
Principal balance:
| $805.38 |
31+ days late:
| 0
( 0% )
|
|
Total payments billed:
| 31 | | |
Description
Cleaning up debt
Purpose of loan:
The purpose of my second loan is to lump my high interest credit card bills and personal loans into one payment.? Recently, a person from Capital One Visa actually obtained a family member's private cell phone number and after contacting them proceeded to give them confidential details about my account.? Furious with this company, I cut up the credit card immediately.? I owe $1600 on this account and I want to make these people go away.? I make my payments to my accounts trying to pay a little more than the minimum amount due, but they just don't seem to go down.? By borrowing through prosper, I would have one loan due out, and this would be paid off in three years.?
My financial situation:
This would be my second loan with Prosper.? My credit score is not the?greatest due to?my filing?bankruptcy in 2004, which was discharged.? This bankruptcy was the result of my closing a small coffee shop that I owned.? I've made a few bad financial decisions in the last couple of years and my credit has taken another beating.? On 3/4/2010 I received a promotion at the company that I have been with now for 4 years.? I have received a nice raise and have been re-assigned to a location much closer to home.? Prosper has helped me once and I hope can help me again.? I refuse to give up.
I appreciate the time you have taken to read my request and hope that even though I am listed as "high risk", you give my loan consideration.
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
457956
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
|
Amount:
| $3,500.00 |
Prosper Rating:
| D |
Auction Duration:
| 7 days
|
|
Term:
| 36 months |
Estimated loss:
| 10.0% | | |
| | | |
|
|
Starting lender yield:
| 25.25% |
Starting borrower rate/APR:
| 26.25% / 28.57% |
Starting monthly payment:
| $141.48 |
| |
|
Auction yield range:
| 10.99% - 25.25% |
Estimated loss impact:
| 10.62% | | |
|
Lender servicing fee:
| 1.00% |
Estimated return:
| 14.63% | | |
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments 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-1998 |
Debt/Income ratio:
| 19% |
|
Basic (1-10):
| 7 |
Inquiries last 6m:
| 1 | Employment status: | Retired |
| Enhanced (1-5): | 3 |
Current / open credit lines:
| 9
/
9 | Length of status: | 8y 10m |
|
Credit score:
| 640-659 (May-2010) |
Total credit lines:
| 20 | Stated income: | $25,000-$49,999 |
|
Now delinquent:
| 0 |
Revolving credit balance:
| $8,722 | |
|
Amount delinquent:
| $0 |
Bankcard utilization:
| 92% | | |
|
Public records last 12m / 10y:
| 0/ 1 |
Homeownership:
| No | | |
|
Delinquencies in last 7y:
| 0 | | | | |
|
Screen name:
| moola-songbird8 |
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
My personal loan
This borrower was not required to write a description based on the listing's likelihood to fund.
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
457966
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
|
Amount:
| $6,000.00 |
Prosper Rating:
| HR |
Auction Duration:
| 7 days
|
|
Term:
| 36 months |
Estimated loss:
| 25.0% | | |
| | | |
|
|
Starting lender yield:
| 34.00% |
Starting borrower rate/APR:
| 35.00% / 37.45% |
Starting monthly payment:
| $271.42 |
| |
|
Auction yield range:
| 16.99% - 34.00% |
Estimated loss impact:
| 27.01% | | |
|
Lender servicing fee:
| 1.00% |
Estimated return:
| 6.99% | | |
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
|
Prosper scores:
| |
First credit line:
| Oct-1981 |
Debt/Income ratio:
| 18% |
|
Basic (1-10):
| 2 |
Inquiries last 6m:
| 5 | Employment status: | Full-time employee |
| Enhanced (1-5): | 3 |
Current / open credit lines:
| 9
/
7 | Length of status: | 0y 0m |
|
Credit score:
| 680-699 (May-2010) |
Total credit lines:
| 16 |
Occupation: | Construction |
|
Now delinquent:
| 0 |
Revolving credit balance:
| $892 | Stated income: | $50,000-$74,999 |
|
Amount delinquent:
| $0 |
Bankcard utilization:
| 24% | | |
|
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| No | | |
|
Delinquencies in last 7y:
| 0 | | | | |
|
Screen name:
| top-openness-seahorse |
Borrower's state:
| Michigan |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Description
debt cosolidation
Purpose of loan:
To pay off all my credit debt to zero balances
This loan will be used to?
My financial situation:
I am a good candidate for this loan because?I pay my debts on time ,I have an impeccable work attendance record which shows there will always be an income to pay this loan off.
Monthly net income: $
I have a new union job which is full time yearly . My hourly wage that will be seen on my check will be around 30.00 dollars an hour not including benefits.
Monthly expenses: $
??Housing: $
0 ???? ????
??Insurance: $
125.00
??Car expenses: $
500
??Utilities: $
245
??Phone, cable, internet: $
119
??Food, entertainment: $
350 ???? ????
??Clothing, household expenses $
275 ????
??Credit cards and other loans: $ 345
??Other expenses: $
250
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
457968
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
|
Amount:
| $4,500.00 |
Prosper Rating:
| A |
Auction Duration:
| 7 days
|
|
Term:
| 36 months |
Estimated loss:
| 2.1% | | |
| | | |
|
|
Starting lender yield:
| 8.34% |
Starting borrower rate/APR:
| 9.34% / 11.44% |
Starting monthly payment:
| $143.81 |
| |
|
Auction yield range:
| 3.99% - 8.34% |
Estimated loss impact:
| 2.12% | | |
|
Lender servicing fee:
| 1.00% |
Estimated return:
| 6.22% | | |
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
|
Prosper scores:
| |
First credit line:
| May-2002 |
Debt/Income ratio:
| 64% |
|
Basic (1-10):
| 9 |
Inquiries last 6m:
| 0 | Employment status: | Full-time employee |
| Enhanced (1-5): | 2 |
Current / open credit lines:
| 14
/
12 | Length of status: | 7y 5m |
|
Credit score:
| 700-719 (May-2010) |
Total credit lines:
| 42 |
Occupation: | Nurse (RN) |
|
Now delinquent:
| 0 |
Revolving credit balance:
| $39,366 | Stated income: | $50,000-$74,999 |
|
Amount delinquent:
| $0 |
Bankcard utilization:
| 94% | | |
|
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| Yes | | |
|
Delinquencies in last 7y:
| 0 | | | | |
|
Screen name:
| skincare |
Borrower's state:
| Georgia |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
| Loan history | Payment history | Credit score history |
|
Active / total loans:
| 1 / 2 |
On-time:
| 53 ( 100% )
| 700-719 (Latest)
|
|
Principal borrowed:
| $9,500.00 | < 31 days late:
| 0
( 0% )
| 700-719
(Mar-2010)
680-699
(Jul-2008)
640-659
(Dec-2007)
680-699
(May-2007)
|
|
Principal balance:
| $2,940.73 |
31+ days late:
| 0
( 0% )
|
|
Total payments billed:
| 53 | | |
Description
Parents' Visit
Purpose of loan:
This loan will be used to give my husband's elderly parents the opportunity to visit us. They have not seen us for 7 years and haven't even met their great-grandchild yet. They live in South Africa; the airfare will cost about $4000.
My financial situation:
I am a good candidate for this loan because I have borrowed money through Prosper on two previous occasions. The 1st loan is paid in full and the 2nd loan is in good standing. My debt to income ratio is high but I need you to keep two things into account: a) My husband's income is not reported on this application, and our combined income pays for our debt, b) I am also a full time student; just finished BSN and started with a Masters Degree.?The student?loans account for a great percentage of my debt.
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
457972
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
|
Amount:
| $1,484.00 |
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% / 37.76% |
Starting monthly payment:
| $67.13 |
| |
|
Auction yield range:
| 16.99% - 34.00% |
Estimated loss impact:
| 20.01% | | |
|
Lender servicing fee:
| 1.00% |
Estimated return:
| 13.99% | | |
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
|
Prosper scores:
| |
First credit line:
| Jan-2001 |
Debt/Income ratio:
| 5% |
|
Basic (1-10):
| 5 |
Inquiries last 6m:
| 0 | Employment status: | Full-time employee |
| Enhanced (1-5): | 5 |
Current / open credit lines:
| 4
/
3 | Length of status: | 1y 4m |
|
Credit score:
| 660-679 (May-2010) |
Total credit lines:
| 15 |
Occupation: | Military Enlisted |
|
Now delinquent:
| 1 |
Revolving credit balance:
| $713 | Stated income: | $25,000-$49,999 |
|
Amount delinquent:
| $500 |
Bankcard utilization:
| 76% | | |
|
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| No | | |
|
Delinquencies in last 7y:
| 5 | | | | |
|
Screen name:
| brilliant-loot0 |
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
New listing we paid some more off!
Purpose of loan:
We were young and wreckless and totally destroyed our credit. At one point neither of us were above a 500. Over the past 5 years we have paid over $35,000 in debt all while moving, changing jobs, and enduring a shaky economy. Now, I am sitting at around 660 and my wife's credit is sitting around 675. I am in the military with steady income and providing for my family the best I have in years. This loan is going to finish paying off our debts and allow us to start over again.
My financial situation:
I am a good candidate for this loan because we are so close to being done! We had a listing on prosper this morning for $7000-the amount we had left to pay off. We sold our 2nd vehicle this afternoon and will be a one car family for a while until I move more through ranks and while my wife finishes school. We now only have $1484 left to reach our goal of being completely debt free!? I am currently active duty Army with an ETS date of January 13, 2012. I also am under auto reenlistment on my contract which requires me to re-up for another 4 years. That window opens in August of this year. You will also see that my debt to income ratio is very low. Thanks for looking!
Monthly net income: $
$2522
Monthly expenses: $
??Housing: $ 868 includes all utilities
??Insurance: paid in full
??Car expenses: $400
??Utilities: $0
??Phone, cable, internet:$0 not a necessity
??Food, entertainment: $400
??Clothing, household expenses $100
??Credit cards and other loans: $450
??Other expenses:Varies based on arrangements made with companies to pay off debts
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
457978
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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:
| 34.5% | | |
| | | |
|
|
Starting lender yield:
| 24.00% |
Starting borrower rate/APR:
| 25.00% / 27.31% |
Starting monthly payment:
| $994.00 |
| |
|
Auction yield range:
| 16.99% - 24.00% |
Estimated loss impact:
| 35.88% | | |
|
Lender servicing fee:
| 1.00% |
Estimated return:
| -11.88% | | |
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments 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:
| 28% |
|
Basic (1-10):
| 1 |
Inquiries last 6m:
| 0 | Employment status: | Full-time employee |
| Enhanced (1-5): | 3 |
Current / open credit lines:
| 8
/
7 | Length of status: | 8y 9m |
|
Credit score:
| 680-699 (May-2010) |
Total credit lines:
| 18 |
Occupation: | Retail Management |
|
Now delinquent:
| 3 |
Revolving credit balance:
| $69,465 | Stated income: | $50,000-$74,999 |
|
Amount delinquent:
| $2,100 |
Bankcard utilization:
| 80% | | |
|
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| Yes | | |
|
Delinquencies in last 7y:
| 1 | | | | |
|
Screen name:
| foxy-liberty6 |
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
Personal loan 4 debt consolidation
Purpose of loan:
Personal loan for debt consolidation
My financial situation:
My wife is an RN and I'm a manager for a major Retailer. We would like to pay down our debt to improve our credit score.
Monthly net income: $
7,500
Monthly expenses: $
2,500
??Housing: $
1,500
??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
457984
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
|
Amount:
| $2,750.00 |
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:
| $124.40 |
| |
|
Auction yield range:
| 16.99% - 34.00% |
Estimated loss impact:
| 20.01% | | |
|
Lender servicing fee:
| 1.00% |
Estimated return:
| 13.99% | | |
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
|
Prosper scores:
| |
First credit line:
| Jan-2007 |
Debt/Income ratio:
| Not calculated |
|
Basic (1-10):
| 5 |
Inquiries last 6m:
| 0 | Employment status: | Full-time employee |
| Enhanced (1-5): | 4 |
Current / open credit lines:
| 4
/
4 | Length of status: | 2y 7m |
|
Credit score:
| 660-679 (May-2010) |
Total credit lines:
| 7 |
Occupation: | Laborer |
|
Now delinquent:
| 0 |
Revolving credit balance:
| $1,161 | Stated income: | $1-$24,999 |
|
Amount delinquent:
| $0 |
Bankcard utilization:
| 61% | | |
|
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| No | | |
|
Delinquencies in last 7y:
| 0 | | | | |
|
Screen name:
| WiShorty08 |
Borrower's state:
| Michigan |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
| Loan history | Payment history | Credit score history |
|
Active / total loans:
| 1 / 1 |
On-time:
| 22 ( 100% )
| 660-679 (Latest)
|
|
Principal borrowed:
| $1,600.00 | < 31 days late:
| 0
( 0% )
| 600-619
(Jun-2008)
|
|
Principal balance:
| $685.85 |
31+ days late:
| 0
( 0% )
|
|
Total payments billed:
| 22 | | |
Description
Paying off credit cards/school loan
Purpose of loan:
This loan will be used to help get me out of debt and reduce the number of bills I am paying each month?
My financial situation:
I am a good candidate for this loan because the money is automatically drawn from account and I work full-time, I also am looking for job number two as well
Monthly net income: $
1100
Monthly expenses: $
??Housing: $ 460
??Insurance: $
??Car expenses: $
??Utilities: $
??Phone, cable, internet: $70
??Food, entertainment: $
??Clothing, household expenses $
??Credit cards and other loans: $100/month
??Other expenses: $
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
457986
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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:
| 26.25% |
Starting borrower rate/APR:
| 27.25% / 29.59% |
Starting monthly payment:
| $204.80 |
| |
|
Auction yield range:
| 10.99% - 26.25% |
Estimated loss impact:
| 10.65% | | |
|
Lender servicing fee:
| 1.00% |
Estimated return:
| 15.60% | | |
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments 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-1987 |
Debt/Income ratio:
| 18% |
|
Basic (1-10):
| 6 |
Inquiries last 6m:
| 0 | Employment status: | Full-time employee |
| Enhanced (1-5): | 4 |
Current / open credit lines:
| 6
/
6 | Length of status: | 2y 2m |
|
Credit score:
| 700-719 (May-2010) |
Total credit lines:
| 54 |
Occupation: | Analyst |
|
Now delinquent:
| 1 |
Revolving credit balance:
| $26,454 | Stated income: | $50,000-$74,999 |
|
Amount delinquent:
| $379 |
Bankcard utilization:
| 73% | | |
|
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| Yes | | |
|
Delinquencies in last 7y:
| 8 | | | | |
|
Screen name:
| dinero-caravan |
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
Help me become debt free!
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
457990
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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:
| 26.25% |
Starting borrower rate/APR:
| 27.25% / 29.59% |
Starting monthly payment:
| $245.76 |
| |
|
Auction yield range:
| 10.99% - 26.25% |
Estimated loss impact:
| 10.65% | | |
|
Lender servicing fee:
| 1.00% |
Estimated return:
| 15.60% | | |
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
|
Prosper scores:
| |
First credit line:
| Jan-2005 |
Debt/Income ratio:
| Not calculated |
|
Basic (1-10):
| 6 |
Inquiries last 6m:
| 0 | Employment status: | Full-time employee |
| Enhanced (1-5): | 4 |
Current / open credit lines:
| 1
/
1 | Length of status: | 0y 3m |
|
Credit score:
| 740-759 (May-2010) |
Total credit lines:
| 4 |
Occupation: | Other |
|
Now delinquent:
| 0 |
Revolving credit balance:
| $0 | Stated income: | $25,000-$49,999 |
|
Amount delinquent:
| $0 |
Bankcard utilization:
| 0% | | |
|
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| No | | |
|
Delinquencies in last 7y:
| 1 | | | | |
|
Screen name:
| agreement-cologne |
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
My personal loan
This borrower was not required to write a description based on the listing's likelihood to fund.
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
457992
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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:
| 36.00% / 38.47% |
Starting monthly payment:
| $458.04 |
| |
|
Auction yield range:
| 16.99% - 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-1986 |
Debt/Income ratio:
| Self-employed (DTI Not Calculated) |
|
Basic (1-10):
| 2 |
Inquiries last 6m:
| 1 | Employment status: | Self-employed |
| Enhanced (1-5): | 3 |
Current / open credit lines:
| 5
/
5 | Length of status: | 18y 10m |
|
Credit score:
| 760-779 (May-2010) |
Total credit lines:
| 14 |
Occupation: | Other |
|
Now delinquent:
| 0 |
Revolving credit balance:
| $443 | Stated income: | $50,000-$74,999 |
|
Amount delinquent:
| $0 |
Bankcard utilization:
| 0% | | |
|
Public records last 12m / 10y:
| 0/ 1 |
Homeownership:
| No | | |
|
Delinquencies in last 7y:
| 0 | | | | |
|
Screen name:
| brightest-enriching-integrity |
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
debt consolidation
Purpose of loan:
This loan will be used to consolidate debt and help me expand my business.
My financial situation:
I am a good candidate for this loan because I understand the economic climate and the need to grow.? I have owned my own business for 15+ years.
Monthly net income: $
4000
Monthly expenses: $
??Housing: $
0
??Insurance: $
75
??Car expenses: $
525
??Utilities: $
0
??Phone, cable, internet: $
200
??Food, entertainment: $
200
??Clothing, household expenses $
100
??Credit cards and other loans: $
25
??Other expenses: $
100
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
457998
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
|
Amount:
| $4,500.00 |
Prosper Rating:
| HR |
Auction Duration:
| 7 days
|
|
Term:
| 36 months |
Estimated loss:
| 18.0% | | |
| | | |
|
|
Starting lender yield:
| 17.00% |
Starting borrower rate/APR:
| 18.00% / 20.21% |
Starting monthly payment:
| $162.69 |
| |
|
Auction yield range:
| 16.99% - 17.00% |
Estimated loss impact:
| 18.94% | | |
|
Lender servicing fee:
| 1.00% |
Estimated return:
| -1.94% | | |
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
|
Prosper scores:
| |
First credit line:
| Oct-1998 |
Debt/Income ratio:
| 12% |
|
Basic (1-10):
| 5 |
Inquiries last 6m:
| 0 | Employment status: | Full-time employee |
| Enhanced (1-5): | 3 |
Current / open credit lines:
| 3
/
3 | Length of status: | 9y 4m |
|
Credit score:
| 660-679 (May-2010) |
Total credit lines:
| 7 |
Occupation: | Other |
|
Now delinquent:
| 0 |
Revolving credit balance:
| $0 | Stated income: | $25,000-$49,999 |
|
Amount delinquent:
| $0 |
Bankcard utilization:
| 0% | | |
|
Public records last 12m / 10y:
| 0/ 2 |
Homeownership:
| Yes | | |
|
Delinquencies in last 7y:
| 0 | | | | |
|
Screen name:
| sympathetic-repayment0 |
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
personal use and home improvements
Purpose of loan:
This loan will be used to?? home improvement and personal
My financial situation:
I am a good candidate for this loan because? we pay our bills on time and have been trying to rebuild our credit since the discharge of our bankruptcy.? My wife has a income also of 1032.00 a month.
Monthly net income: $ 2500
Monthly expenses: $
??Housing: $ 995.00
??Insurance: $ 80.00
??Car expenses: $ 306.00
??Utilities: $ 170.00
??Phone, cable, internet: $ 128.00
??Food, entertainment: $ 150.00
??Clothing, household expenses $ 0.00
??Credit cards and other l?Other expenses: $ 133.00
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
458004
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
|
Amount:
| $4,000.00 |
Prosper Rating:
| D |
Auction Duration:
| 7 days
|
|
Term:
| 36 months |
Estimated loss:
| 10.0% | | |
| | | |
|
|
Starting lender yield:
| 10.99% |
Starting borrower rate/APR:
| 11.99% / 14.12% |
Starting monthly payment:
| $132.84 |
| |
|
Auction yield range:
| 10.99% - 10.99% |
Estimated loss impact:
| 10.23% | | |
|
Lender servicing fee:
| 1.00% |
Estimated return:
| 0.76% | | |
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments 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-1982 |
Debt/Income ratio:
| 29% |
|
Basic (1-10):
| 8 |
Inquiries last 6m:
| 0 | Employment status: | Full-time employee |
| Enhanced (1-5): | 5 |
Current / open credit lines:
| 17
/
13 | Length of status: | 19y 2m |
|
Credit score:
| 640-659 (May-2010) |
Total credit lines:
| 41 |
Occupation: | Other |
|
Now delinquent:
| 0 |
Revolving credit balance:
| $14,189 | Stated income: | $25,000-$49,999 |
|
Amount delinquent:
| $0 |
Bankcard utilization:
| 77% | | |
|
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| No | | |
|
Delinquencies in last 7y:
| 0 | | | | |
|
Screen name:
| spiritual-penny9 |
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
PAYING VET BILL FOR ANIMAL RESCUE
Purpose of loan:
This loan will be used to PAY OFF VET BILL FOR OUR FAMILY RUN ANIMAL RESCUE.? ?
My financial situation:
I am a good candidate for this loan because I HAVE WORKED FOR THE STATE OF FLORIDA FOR 19+ YEARS & HAVE LIVED AT THE SAME RESIDENCE FOR 36+ YEARS.? I HAVE PAID OFF SEVERAL PRIOR LOANS & JUST PAID OFF A LOAN FOR $4000.00 WITH MY BANK RECENTLY.?
Monthly net income: $ 2582.80
Monthly expenses: $
??Housing: $ 500
??Insurance: $ 0
??Car expenses: $ 0
??Utilities: $ 0
??Phone, cable, internet: $ 0
??Food, entertainment: $?200
??Clothing, household expenses $ 0
??Credit cards and other loans: $ 500
??Other expenses: $ 200
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
458008
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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:
| C |
Auction Duration:
| 7 days
|
|
Term:
| 36 months |
Estimated loss:
| 8.0% | | |
| | | |
|
|
Starting lender yield:
| 21.55% |
Starting borrower rate/APR:
| 22.55% / 24.82% |
Starting monthly payment:
| $115.43 |
| |
|
Auction yield range:
| 7.99% - 21.55% |
Estimated loss impact:
| 8.51% | | |
|
Lender servicing fee:
| 1.00% |
Estimated return:
| 13.04% | | |
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments 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-1974 |
Debt/Income ratio:
| 15% |
|
Basic (1-10):
| 8 |
Inquiries last 6m:
| 1 | Employment status: | Full-time employee |
| Enhanced (1-5): | 5 |
Current / open credit lines:
| 11
/
6 | Length of status: | 4y 6m |
|
Credit score:
| 700-719 (May-2010) |
Total credit lines:
| 56 |
Occupation: | Professional |
|
Now delinquent:
| 0 |
Revolving credit balance:
| $8,411 | Stated income: | $100,000+ |
|
Amount delinquent:
| $0 |
Bankcard utilization:
| 98% | | |
|
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| Yes | | |
|
Delinquencies in last 7y:
| 0 | | | | |
|
Screen name:
| lucrative-economy |
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
My loan for debt consolidation
Purpose of loan:
My wife lost her full time job and is now working part time.? Although?my salary?represents 80% of our income,? her lost of income means that?we will have?lost about 10% of our total monthly income ($800).?This loan will be used to?pay some credit obligations up in adavance?so we?ontinue to make all financial obiligations.
My financial situation:
I am a good candidate for this loan because I have a 30+ years?credit history (since 1974) with never a serious problem (i.e.,
foreclosure, default, etc.).??I own two homes and?two cars. .
Monthly net income: $ 6000
Monthly expenses: $
??Housing: $ 4000
??Insurance: $?150
??Utilities: $ 100
??Phone, cable, internet: $?150
??Food, entertainment: $
??Clothing, household expenses $
??Credit cards and other loans: $ 600
??Other expenses: $
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
458014
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
|
Amount:
| $2,000.00 |
Prosper Rating:
| A |
Auction Duration:
| 7 days
|
|
Term:
| 36 months |
Estimated loss:
| 2.1% | | |
| | | |
|
|
Starting lender yield:
| 8.20% |
Starting borrower rate/APR:
| 9.20% / 11.30% |
Starting monthly payment:
| $63.79 |
| |
|
Auction yield range:
| 3.99% - 8.20% |
Estimated loss impact:
| 2.12% | | |
|
Lender servicing fee:
| 1.00% |
Estimated return:
| 6.08% | | |
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
|
Prosper scores:
| |
First credit line:
| Mar-1992 |
Debt/Income ratio:
| 4% |
|
Basic (1-10):
| 9 |
Inquiries last 6m:
| 0 | Employment status: | Full-time employee |
| Enhanced (1-5): | 5 |
Current / open credit lines:
| 7
/
5 | Length of status: | 1y 11m |
|
Credit score:
| 740-759 (May-2010) |
Total credit lines:
| 16 |
Occupation: | Sales - Retail |
|
Now delinquent:
| 4 |
Revolving credit balance:
| $703 | Stated income: | $25,000-$49,999 |
|
Amount delinquent:
| $2,434 |
Bankcard utilization:
| 0% | | |
|
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| No | | |
|
Delinquencies in last 7y:
| 2 | | | | |
|
Screen name:
| tony1523 |
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
Paying Off Old College Collections
Purpose of loan:
Hello everyone back in college(5 years ago)?i got a couple credit cards and maxed them out and never paid them back . Now they are all collections and holding me back from having a high credit score..everything i have now i pay on time..credit cards, student loans etcc... i make enough money to make payments i just dont have enough to pay it all at once which is minimal $2,434.00.
My financial situation:
I am a good candidate for this loan because? i have a good job with benefits that ive?had for 2 years?..These dumb collections are holding me back to perfect credit.?
Monthly net income: $ 1525.53
Monthly expenses: $?965.00
??Housing: $?400
??Insurance: $ 75
??Car expenses: $ 0 (company car
??Utilities: $?100
??Phone, cable, internet: $?100
??Food, entertainment: $ 150
??Clothing, household expenses $
??Credit cards and other loans: $ 40
??Other expenses: $ 100
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
458018
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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:
| 25.0% | | |
| | | |
|
|
Starting lender yield:
| 34.00% |
Starting borrower rate/APR:
| 35.00% / 37.45% |
Starting monthly payment:
| $135.71 |
| |
|
Auction yield range:
| 16.99% - 34.00% |
Estimated loss impact:
| 27.01% | | |
|
Lender servicing fee:
| 1.00% |
Estimated return:
| 6.99% | | |
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
|
Prosper scores:
| |
First credit line:
| Oct-1993 |
Debt/Income ratio:
| 30% |
|
Basic (1-10):
| 2 |
Inquiries last 6m:
| 3 | Employment status: | Full-time employee |
| Enhanced (1-5): | 2 |
Current / open credit lines:
| 10
/
9 | Length of status: | 10y 3m |
|
Credit score:
| 680-699 (May-2010) |
Total credit lines:
| 37 |
Occupation: | Other |
|
Now delinquent:
| 2 |
Revolving credit balance:
| $11,367 | Stated income: | $50,000-$74,999 |
|
Amount delinquent:
| $568 |
Bankcard utilization:
| 94% | | |
|
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| Yes | | |
|
Delinquencies in last 7y:
| 2 | | | | |
|
Screen name:
| commanding-community5 |
Borrower's state:
| Michigan |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Description
Paying off credit cards
Purpose of loan:
This loan will be used to?
payoff credit debt ????
My financial situation:
I am a good candidate for this loan because?
solid income
Monthly net income: $ 2403 ????
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
458022
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
|
Amount:
| $10,000.00 |
Prosper Rating:
| HR |
Auction Duration:
| 7 days
|
|
Term:
| 36 months |
Estimated loss:
| 34.5% | | |
| | | |
|
|
Starting lender yield:
| 34.00% |
Starting borrower rate/APR:
| 35.00% / 37.45% |
Starting monthly payment:
| $452.36 |
| |
|
Auction yield range:
| 16.99% - 34.00% |
Estimated loss impact:
| 36.51% | | |
|
Lender servicing fee:
| 1.00% |
Estimated return:
| -2.51% | | |
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
|
Prosper scores:
| |
First credit line:
| Dec-1991 |
Debt/Income ratio:
| Self-employed (DTI Not Calculated) |
|
Basic (1-10):
| 1 |
Inquiries last 6m:
| 4 | Employment status: | Self-employed |
| Enhanced (1-5): | 1 |
Current / open credit lines:
| 7
/
7 | Length of status: | 20y 3m |
|
Credit score:
| 760-779 (May-2010) |
Total credit lines:
| 24 |
Occupation: | Landscaping |
|
Now delinquent:
| 1 |
Revolving credit balance:
| $0 | Stated income: | $100,000+ |
|
Amount delinquent:
| $4,816 |
Bankcard utilization:
| 0% | | |
|
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| Yes | | |
|
Delinquencies in last 7y:
| 9 | | | | |
|
Screen name:
| social-attraction1 |
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
2nd mortgage total payoff offer
Purpose of loan:
This loan will be used to accept an offer from GMAC, the holder of my 2nd mortgage,to satisfy my entire obligation to them.? My current balance is approximately $138,000.00 and they are willing to accept $10,425.32 as full and final satisfaction of the account.? It is their response to my difficulty in making my payments to them this last year.??However, I should have no problem in making the Prosper payments for the $10.000.00.
I would also consider a Deed of Trust against the property.
My financial situation:
I am a good candidate for this loan because:? Business is picking up.? We are getting more work. ?I expect my income to increase this year to pre-recession levels of $150,000.00 to $200,000.00 per year.? I do not have much debt.? I have always paid my bills and am very responsible.? ?
Monthly net income: $ 8000.00
Monthly expenses: $
??Housing: $ 3300.00
??Insurance: $280.00
??Car expenses: $140.00?
??Utilities: $220.00
??Phone, cable, internet: $320.00
??Food, entertainment: $1,000.00
??Clothing, household expenses $200.00
??Credit cards and other loans: $ Toyota?Truck loan $780.00??Other expenses: $
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
458026
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
|
Amount:
| $1,000.00 |
Prosper Rating:
| D |
Auction Duration:
| 7 days
|
|
Term:
| 36 months |
Estimated loss:
| 10.0% | | |
| | | |
|
|
Starting lender yield:
| 25.39% |
Starting borrower rate/APR:
| 26.39% / 30.33% |
Starting monthly payment:
| $40.50 |
| |
|
Auction yield range:
| 10.99% - 25.39% |
Estimated loss impact:
| 10.63% | | |
|
Lender servicing fee:
| 1.00% |
Estimated return:
| 14.76% | | |
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments 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:
| 56% |
|
Basic (1-10):
| 8 |
Inquiries last 6m:
| 0 | Employment status: | Full-time employee |
| Enhanced (1-5): | 3 |
Current / open credit lines:
| 4
/
4 | Length of status: | 1y 8m |
|
Credit score:
| 640-659 (May-2010) |
Total credit lines:
| 27 |
Occupation: | Administrative Assi... |
|
Now delinquent:
| 0 |
Revolving credit balance:
| $28,565 | Stated income: | $25,000-$49,999 |
|
Amount delinquent:
| $0 |
Bankcard utilization:
| 102% | | |
|
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| No | | |
|
Delinquencies in last 7y:
| 0 | | | | |
|
Screen name:
| integrity-hug |
Borrower's state:
| Indiana |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Description
Paying down my credit card
My financial situation: Help me pay down my credit card, following a tough period that involved a move into a new apartment with related expenses, and an unpaid furlough at the not-for-profit company that I work for
I am a good candidate for this loan because? I am a responsible person who has gotten over her head just this once with my credit card. I need a leg up so that I can get things back under control and become fiscally responsible again. Before recently, I never missed payments or paid bills late. Please help me get there again!
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
458030
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
|
Amount:
| $3,000.00 |
Prosper Rating:
| A |
Auction Duration:
| 7 days
|
|
Term:
| 36 months |
Estimated loss:
| 2.1% | | |
| | | |
|
|
Starting lender yield:
| 8.34% |
Starting borrower rate/APR:
| 9.34% / 11.44% |
Starting monthly payment:
| $95.87 |
| |
|
Auction yield range:
| 3.99% - 8.34% |
Estimated loss impact:
| 2.12% | | |
|
Lender servicing fee:
| 1.00% |
Estimated return:
| 6.22% | | |
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
|
Prosper scores:
| |
First credit line:
| Mar-1983 |
Debt/Income ratio:
| 27% |
|
Basic (1-10):
| 8 |
Inquiries last 6m:
| 1 | Employment status: | Full-time employee |
| Enhanced (1-5): | 3 |
Current / open credit lines:
| 3
/
3 | Length of status: | 19y 11m |
|
Credit score:
| 760-779 (May-2010) |
Total credit lines:
| 10 |
Occupation: | Other |
|
Now delinquent:
| 2 |
Revolving credit balance:
| $260 | Stated income: | $25,000-$49,999 |
|
Amount delinquent:
| $0 |
Bankcard utilization:
| 10% | | |
|
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| Yes | | |
|
Delinquencies in last 7y:
| 3 | | | | |
|
Screen name:
| booster418 |
Borrower's state:
| Arkansas |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Description
A rare stone for a rarer bride...
Purpose of loan:
This loan will be used to?
Purchase wedding rings. She said "yes" April 17th!
My financial situation:
I am a good candidate for this loan because?
I've worked for the same company for 20?(actually 25) years.
I'm here for a loan because i refuse to pay the insane interest rates bestowed by jewelry stores on love-struck grooms,
and paying off a 3000 dollar purchase in 6 months would be in direct conflict with my mortgage!
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
458034
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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:
| 16.99% - 34.00% |
Estimated loss impact:
| 20.01% | | |
|
Lender servicing fee:
| 1.00% |
Estimated return:
| 13.99% | | |
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
|
Prosper scores:
| |
First credit line:
| Sep-1994 |
Debt/Income ratio:
| 47% |
|
Basic (1-10):
| 4 |
Inquiries last 6m:
| 2 | Employment status: | Full-time employee |
| Enhanced (1-5): | 1 |
Current / open credit lines:
| 3
/
3 | Length of status: | 3y 0m |
|
Credit score:
| 680-699 (May-2010) |
Total credit lines:
| 12 |
Occupation: | Other |
|
Now delinquent:
| 0 |
Revolving credit balance:
| $0 | Stated income: | $1-$24,999 |
|
Amount delinquent:
| $0 |
Bankcard utilization:
| 0% | | |
|
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| Yes | | |
|
Delinquencies in last 7y:
| 8 | | | | |
|
Screen name:
| bid-bigwig6 |
Borrower's state:
| Texas |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Description
Paying off payday loans!
Purpose of loan:
?I will be using this loan to?pay off?2 payday loans that I cannot get rid of.? They did save my butt, however I cannot get out of this revolving cycle.? It is?costing me $268 every two weeks.? I would?better off?paying this rate here rather than theirs.??My credit scores are 698, 702 and 694.?My dept to income puts me at the HR rating on this site.?
My financial situation:
I am a good candidate for this loan because I am faithful about paying on time.? I have had problems in the past but have since become very stable.? I had a unforseen problem which put me in a situation in which I had no choice but to go the payday loan route.? I just need to get caught up so I can have a little extra each month to take my boys to the zoo and let them play sports at school.? I live in a family house which I do not have any expenses, I just help with the meals and utilities.?
Monthly net income:
$2500
Monthly expenses:
??Housing: $ 0??
Insurance: $ 100??
Car expenses: $?45??
Utilities: $ 250??
Phone, cable, internet: $?35??
Food, entertainment: $?400??
Clothing, household expenses $ 50?
?Credit cards and other loans: $ 250 Payday loans ??$536 a month
Other expenses: $ 185
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
458038
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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:
| 10.99% |
Starting borrower rate/APR:
| 11.99% / 14.12% |
Starting monthly payment:
| $166.05 |
| |
|
Auction yield range:
| 10.99% - 10.99% |
Estimated loss impact:
| 10.23% | | |
|
Lender servicing fee:
| 1.00% |
Estimated return:
| 0.76% | | |
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments 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:
| 35% |
|
Basic (1-10):
| 6 |
Inquiries last 6m:
| 5 | Employment status: | Full-time employee |
| Enhanced (1-5): | 2 |
Current / open credit lines:
| 6
/
5 | Length of status: | 11y 3m |
|
Credit score:
| 740-759 (May-2010) |
Total credit lines:
| 37 |
Occupation: | Executive |
|
Now delinquent:
| 0 |
Revolving credit balance:
| $25,598 | Stated income: | $50,000-$74,999 |
|
Amount delinquent:
| $0 |
Bankcard utilization:
| 0% | | |
|
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| Yes | | |
|
Delinquencies in last 7y:
| 0 | | | | |
|
Screen name:
| appraiser229 |
Borrower's state:
| NewJersey |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Description
Paying off my credit cards
Purpose of loan:
This loan will be used to pay off?a credit card debt. ?
My financial situation:
I am a good candidate for this loan because I am a responsible borrower. I have never been late on a bill.
Monthly net income: $ 5,833
Monthly expenses: $
??Housing: $1532????
??Insurance: $132
??Car expenses: $0
??Utilities: $100
??Phone, cable, internet: $100
??Food, entertainment: $100
??Clothing, household expenses $100
??Credit cards and other loans: $200
??Other expenses: $0
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
458040
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
|
Amount:
| $24,000.00 |
Prosper Rating:
| HR |
Auction Duration:
| 7 days
|
|
Term:
| 36 months |
Estimated loss:
| 18.0% | | |
| | | |
|
|
Starting lender yield:
| 17.00% |
Starting borrower rate/APR:
| 18.00% / 20.21% |
Starting monthly payment:
| $867.66 |
| |
|
Auction yield range:
| 16.99% - 17.00% |
Estimated loss impact:
| 18.94% | | |
|
Lender servicing fee:
| 1.00% |
Estimated return:
| -1.94% | | |
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
|
Prosper scores:
| |
First credit line:
| Oct-1989 |
Debt/Income ratio:
| 29% |
|
Basic (1-10):
| 5 |
Inquiries last 6m:
| 1 | Employment status: | Full-time employee |
| Enhanced (1-5): | 3 |
Current / open credit lines:
| 15
/
15 | Length of status: | 10y 5m |
|
Credit score:
| 680-699 (May-2010) |
Total credit lines:
| 34 |
Occupation: | Executive |
|
Now delinquent:
| 0 |
Revolving credit balance:
| $265,313 | Stated income: | $100,000+ |
|
Amount delinquent:
| $0 |
Bankcard utilization:
| 97% | | |
|
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| Yes | | |
|
Delinquencies in last 7y:
| 0 | | | | |
|
Screen name:
| return-game-changer |
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
Goal Oriented Professionals
Thank you for considering my loan.
I am responsible and married to a great wife and we have two kids age 12 and 9.
I always pay my bills on time - I have a perfect on time record.
I have a great income of 180,000.00 a year. Looking for the best interest rate.
I am responsible and hardworking and have had the same employer for over 10 years.
Net Monthly Income 11,588.00
Net Monthly Total Expenses 9,000.00 (breakdown follows)
Mortgage 3,500.00
Insurance200.00 300.00
Utilities 500.00
Phone,Cable Internet 250.00
Food 800.00
Clothing Household Expenses 200.00
Credit Cards and Other Loans 1500.00
Other Expenses 2000.00 ie. Savings, Kids Sports
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
458048
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
|
Amount:
| $2,500.00 |
Prosper Rating:
| D |
Auction Duration:
| 7 days
|
|
Term:
| 36 months |
Estimated loss:
| 10.0% | | |
| | | |
|
|
Starting lender yield:
| 25.25% |
Starting borrower rate/APR:
| 26.25% / 28.57% |
Starting monthly payment:
| $101.06 |
| |
|
Auction yield range:
| 10.99% - 25.25% |
Estimated loss impact:
| 10.62% | | |
|
Lender servicing fee:
| 1.00% |
Estimated return:
| 14.63% | | |
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
|
Prosper scores:
| |
First credit line:
| Feb-1983 |
Debt/Income ratio:
| 7% |
|
Basic (1-10):
| 8 |
Inquiries last 6m:
| 0 | Employment status: | Full-time employee |
| Enhanced (1-5): | 5 |
Current / open credit lines:
| 5
/
5 | Length of status: | 28y 9m |
|
Credit score:
| 640-659 (May-2010) |
Total credit lines:
| 49 |
Occupation: | Professional |
|
Now delinquent:
| 0 |
Revolving credit balance:
| $962 | Stated income: | $75,000-$99,999 |
|
Amount delinquent:
| $0 |
Bankcard utilization:
| 96% | | |
|
Public records last 12m / 10y:
| 0/ 2 |
Homeownership:
| No | | |
|
Delinquencies in last 7y:
| 25 | | | | |
|
Screen name:
| mushroom0 |
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
My loan for debt consolidation
This borrower was not required to write a description based on the listing's likelihood to fund.
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
458052
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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:
| 24.00% |
Starting borrower rate/APR:
| 25.00% / 27.31% |
Starting monthly payment:
| $159.04 |
| |
|
Auction yield range:
| 16.99% - 24.00% |
Estimated loss impact:
| 19.38% | | |
|
Lender servicing fee:
| 1.00% |
Estimated return:
| 4.62% | | |
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
|
Prosper scores:
| |
First credit line:
| Oct-1994 |
Debt/Income ratio:
| 10% |
|
Basic (1-10):
| 4 |
Inquiries last 6m:
| 3 | Employment status: | Full-time employee |
| Enhanced (1-5): | 5 |
Current / open credit lines:
| 9
/
7 | Length of status: | 3y 11m |
|
Credit score:
| 680-699 (Apr-2010) |
Total credit lines:
| 12 |
Occupation: | Sales - Commission |
|
Now delinquent:
| 0 |
Revolving credit balance:
| $2,334 | Stated income: | $75,000-$99,999 |
|
Amount delinquent:
| $0 |
Bankcard utilization:
| 33% | | |
|
Public records last 12m / 10y:
| 0/ 1 |
Homeownership:
| No | | |
|
Delinquencies in last 7y:
| 0 | | | | |
|
Screen name:
| good-credit |
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
My first prosper loan! Not HR
Purpose of loan:
This loan will be used to purchase a new Canon 5d Mark II and equipment for my wife's photography business. It's a surprise!
My financial situation:
I am a good candidate for this loan because I have sufficient income and a great job. I have very good credit and perfect payment history.? The only negative item on my credit report is a judgement for $100 due to an unpaid dentist bill. I had moved right after getting wisdom teeth pulled and they continued to send the bill to my old address.? I first learned that I owed the?$100 when it finally appeared on my credit report. It was paid but not updated on my credit report, which explains the HR rating.? I am responsible, dependable, hard-working and honest. My family and I recently purchased our first home, so that's the reason for the previous credit inquiries. I would much rather pay you then give my money to a bank and look forward to investing in prosper in the future.? Feel free to ask me anything. Thanks so much for reading and for your consideration!
Monthly net income: $ 6000 after taxes
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
458054
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
|
Amount:
| $7,000.00 |
Prosper Rating:
| HR |
Auction Duration:
| 7 days
|
|
Term:
| 36 months |
Estimated loss:
| 25.0% | | |
| | | |
|
|
Starting lender yield:
| 34.00% |
Starting borrower rate/APR:
| 35.00% / 37.45% |
Starting monthly payment:
| $316.65 |
| |
|
Auction yield range:
| 16.99% - 34.00% |
Estimated loss impact:
| 27.01% | | |
|
Lender servicing fee:
| 1.00% |
Estimated return:
| 6.99% | | |
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
|
Prosper scores:
| |
First credit line:
| Oct-1983 |
Debt/Income ratio:
| Self-employed (DTI Not Calculated) |
|
Basic (1-10):
| 2 |
Inquiries last 6m:
| 3 | Employment status: | Self-employed |
| Enhanced (1-5): | 2 |
Current / open credit lines:
| 8
/
7 | Length of status: | 0y 8m |
|
Credit score:
| 640-659 (May-2010) |
Total credit lines:
| 37 |
Occupation: | Other |
|
Now delinquent:
| 0 |
Revolving credit balance:
| $1,677 | Stated income: | $75,000-$99,999 |
|
Amount delinquent:
| $0 |
Bankcard utilization:
| 10% | | |
|
Public records last 12m / 10y:
| 0/ 3 |
Homeownership:
| Yes | | |
|
Delinquencies in last 7y:
| 11 | | | | |
|
Screen name:
| the-equitable-liberty |
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
Operating Expense
Purpose of loan:
This loan will be used to?? operating expenses for swine operation have contract with Whole Foods in Austin, Texas to provide pork to their subsidiary Niman Ranch
My financial situation:
I am a good candidate for this loan because? i am waiting for tax refund of $7800 for ist time home buyer from IRS
Monthly net income: $ $8000
Monthly expenses: $
??Housing: $ 750
??Insurance: $ 500
??Car expenses: $ 200
??Utilities: $ 150
??Phone, cable, internet: $ 300
??Food, entertainment: $?200
??Clothing, household expenses $ 100
??Credit cards and other loans: $ 100
??Other expenses: $ 4000? swine operation expense
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
458056
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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:
| 14.0% | | |
| | | |
|
|
Starting lender yield:
| 33.29% |
Starting borrower rate/APR:
| 34.29% / 37.01% |
Starting monthly payment:
| $67.25 |
| |
|
Auction yield range:
| 13.99% - 33.29% |
Estimated loss impact:
| 15.54% | | |
|
Lender servicing fee:
| 1.00% |
Estimated return:
| 17.75% | | |
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
|
Prosper scores:
| |
First credit line:
| Nov-1993 |
Debt/Income ratio:
| 11% |
|
Basic (1-10):
| 6 |
Inquiries last 6m:
| 5 | Employment status: | Full-time employee |
| Enhanced (1-5): | 2 |
Current / open credit lines:
| 5
/
4 | Length of status: | 0y 3m |
|
Credit score:
| 660-679 (May-2010) |
Total credit lines:
| 31 |
Occupation: | Food Service |
|
Now delinquent:
| 0 |
Revolving credit balance:
| $1,778 | Stated income: | $1-$24,999 |
|
Amount delinquent:
| $0 |
Bankcard utilization:
| 32% | | |
|
Public records last 12m / 10y:
| 0/ 1 |
Homeownership:
| Yes | | |
|
Delinquencies in last 7y:
| 3 | | | | |
|
Screen name:
| momto2jboys |
Borrower's state:
| Nebraska |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
| Loan history | Payment history | Credit score history |
|
Active / total loans:
| 0 / 2 |
On-time:
| 13 ( 100% )
| 660-679 (Latest)
|
|
Principal borrowed:
| $4,500.00 | < 31 days late:
| 0
( 0% )
| 680-699
(Mar-2010)
620-639
(May-2009)
620-639
(Oct-2008)
640-659
(Mar-2008)
|
|
Principal balance:
| $0.01 |
31+ days late:
| 0
( 0% )
|
|
Total payments billed:
| 13 | | |
Description
Need out of this payday loan mess
Purpose of loan:
This listing is to get out of the payday loan mess I am in.? I just want to pay them off and never, ever do them again.? It was the worse thing I ever decided to do. Also, need to come?up with the first months rent for a new apartment.? So I can get back on my feet so I can get my kids back with me as primary custodian rather than?only seeing them a few nights a week and every other weekend. ?Will be moving out the 15th of this month.?? I am starting a second job to help me get ahead and to help me not need assistance I hope.? And also so I don't miss my boys so much when I don't have them.?
My financial situation:
I am a good candidate for this loan because?I have had several loan from prosper and have always made the payments on time and every month.? I also have paid it off before hand each time. ??
Monthly net income: $1650.00 Monthly expenses: $???I work a lot of overtime and would?be able to make the monthly payment no problem
??Housing: $ 460.00
??Insurance: $ 150.00
??Car expenses: $
??Utilities: $ 60.00
??Phone, cable, internet: $ 80.00
??Food, entertainment: $
??Clothing, household expenses $
??Credit cards and other loans: $? no other loans will be paid from my check.? Car loan will be paid off, and I will no longer be on the house when it is final.
??Other expenses: $
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
458058
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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:
| C |
Auction Duration:
| 7 days
|
|
Term:
| 36 months |
Estimated loss:
| 6.5% | | |
| | | |
|
|
Starting lender yield:
| 18.90% |
Starting borrower rate/APR:
| 19.90% / 23.68% |
Starting monthly payment:
| $37.11 |
| |
|
Auction yield range:
| 7.99% - 18.90% |
Estimated loss impact:
| 6.94% | | |
|
Lender servicing fee:
| 1.00% |
Estimated return:
| 11.96% | | |
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:
| Dec-1989 |
Debt/Income ratio:
| 9% |
|
Basic (1-10):
| 9 |
Inquiries last 6m:
| 1 | Employment status: | Full-time employee |
| Enhanced (1-5): | 4 |
Current / open credit lines:
| 7
/
7 | Length of status: | 1y 7m |
|
Credit score:
| 680-699 (May-2010) |
Total credit lines:
| 16 |
Occupation: | Professional |
|
Now delinquent:
| 2 |
Revolving credit balance:
| $1,474 | Stated income: | $50,000-$74,999 |
|
Amount delinquent:
| $76 |
Bankcard utilization:
| 45% | | |
|
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| Yes | | |
|
Delinquencies in last 7y:
| 0 | | | | |
|
Screen name:
| thankful-currency4 |
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
My personal loan
This borrower was not required to write a description based on the listing's likelihood to fund.
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
458066
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
|
Amount:
| $6,500.00 |
Prosper Rating:
| HR |
Auction Duration:
| 7 days
|
|
Term:
| 36 months |
Estimated loss:
| 34.5% | | |
| | | |
|
|
Starting lender yield:
| 34.00% |
Starting borrower rate/APR:
| 35.00% / 37.45% |
Starting monthly payment:
| $294.03 |
| |
|
Auction yield range:
| 16.99% - 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:
| Jun-1992 |
Debt/Income ratio:
| 51% |
|
Basic (1-10):
| 1 |
Inquiries last 6m:
| 2 | Employment status: | Retired |
| Enhanced (1-5): | 1 |
Current / open credit lines:
| 2
/
2 | Length of status: | 8y 4m |
|
Credit score:
| 660-679 (May-2010) |
Total credit lines:
| 29 | Stated income: | $25,000-$49,999 |
|
Now delinquent:
| 3 |
Revolving credit balance:
| $0 | |
|
Amount delinquent:
| $2,771 |
Bankcard utilization:
| 0% | | |
|
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| No | | |
|
Delinquencies in last 7y:
| 6 | | | | |
|
Screen name:
| IntoWildBlueYonder |
Borrower's state:
| Tennessee |
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
Payoff Title loan and make repairs
Purpose of loan:
This loan will be used to payoff title loan I got to bury my Mother this past January,?catch up on?maintenance and repairs I put off while taking care of her during her cancer, re-establish credit, which I am improving my file.? Some inaccuracies still exist and I am working to remove them.? The student loans should be never late, GMAC is a case all by itself, and the three small chargeoffs are not mine.? The collection item is not mine it belongs to a business we had over ten years ago and should be removed.
My financial situation:
I am a good candidate for this loan because, I have good income with my wifes combined, and our number one goal is to keep our credit clean even if it means a personal sacrifice or two for a little while.
Monthly net income: $ 2100
Monthly expenses: $
??Housing: $ 0
??Insurance: $ 50
??Car expenses: $ 150
??Utilities: $ 75
??Phone, cable, internet: $ 50
??Food, entertainment: $ 200
??Clothing, household expenses $ 150
??Credit cards and other loans: $ 275
??Other expenses: $ 50
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
458068
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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:
| B |
Auction Duration:
| 7 days
|
|
Term:
| 36 months |
Estimated loss:
| 5.0% | | |
| | | |
|
|
Starting lender yield:
| 6.00% |
Starting borrower rate/APR:
| 7.00% / 9.07% |
Starting monthly payment:
| $123.51 |
| |
|
Auction yield range:
| 5.99% - 6.00% |
Estimated loss impact:
| 5.08% | | |
|
Lender servicing fee:
| 1.00% |
Estimated return:
| 0.92% | | |
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
|
Prosper scores:
| |
First credit line:
| Sep-2005 |
Debt/Income ratio:
| Not calculated |
|
Basic (1-10):
| 8 |
Inquiries last 6m:
| 0 | Employment status: | Full-time employee |
| Enhanced (1-5): | 5 |
Current / open credit lines:
| 3
/
3 | Length of status: | 0y 9m |
|
Credit score:
| 740-759 (May-2010) |
Total credit lines:
| 6 |
Occupation: | Teacher |
|
Now delinquent:
| 0 |
Revolving credit balance:
| $3,365 | Stated income: | $50,000-$74,999 |
|
Amount delinquent:
| $0 |
Bankcard utilization:
| 28% | | |
|
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| No | | |
|
Delinquencies in last 7y:
| 0 | | | | |
|
Screen name:
| ore-accord |
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
Help a teacher become debt-free!
Purpose of loan:
This loan will be used to pay off my credit cards. I'm a very responsible person -as a teacher (professionally) and as a person. This is actually my first loan ever. I just want some help to pay off my credit cards because I believe they have unfair, arbitrary practices. If I owe them money, it's like I'm losing control and certainty over my financial situation. I rather have a certain, fix rate.
My financial situation:
I am a good candidate for this loan because I always make my payments on time. I have been working as a teacher for the last 10 years and have never been unemployed. My position and career is very solid. My employer is a private institution (high school) with a solid financial situation.
Monthly net income: $
3,900.00
Monthly expenses: $
??Housing: $
700
??Insurance: $
150
??Car expenses: $
0 (I use BART. I sold my car a year ago).
??Utilities: $
100
??Phone, cable, internet: $
300
??Food, entertainment: $
300
??Clothing, household expenses $
100
??Credit cards and other loans: $
300
??Other expenses: $
100
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
458074
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
|
Amount:
| $5,000.00 |
Prosper Rating:
| A |
Auction Duration:
| 7 days
|
|
Term:
| 36 months |
Estimated loss:
| 2.1% | | |
| | | |
|
|
Starting lender yield:
| 8.20% |
Starting borrower rate/APR:
| 9.20% / 11.30% |
Starting monthly payment:
| $159.46 |
| |
|
Auction yield range:
| 3.99% - 8.20% |
Estimated loss impact:
| 2.12% | | |
|
Lender servicing fee:
| 1.00% |
Estimated return:
| 6.08% | | |
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
|
Prosper scores:
| |
First credit line:
| Aug-2000 |
Debt/Income ratio:
| Not calculated |
|
Basic (1-10):
| 9 |
Inquiries last 6m:
| 0 | Employment status: | Full-time employee |
| Enhanced (1-5): | 5 |
Current / open credit lines:
| 8
/
8 | Length of status: | 4y 4m |
|
Credit score:
| 760-779 (May-2010) |
Total credit lines:
| 13 |
Occupation: | Sales - Commission |
|
Now delinquent:
| 0 |
Revolving credit balance:
| $4,414 | Stated income: | $50,000-$74,999 |
|
Amount delinquent:
| $0 |
Bankcard utilization:
| 11% | | |
|
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| Yes | | |
|
Delinquencies in last 7y:
| 0 | | | | |
|
Screen name:
| dork81 |
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
Prosper Investor Bridging a Gap
Purpose of loan:
This loan will be used to pay off final expenses connected to a rental property I have refurbished over the past year.? This property serves as my home while a second unit will begin providing $850 a month in additional income beginning June 1, 2010.?? I would much rather borrow the money through the prosper community (of which I have been an investor) than through "to big to fail banks" and credit card companies.? My current revolving balances reflect the last few months of repairs I have done.? I typically use credit card teaser rates and pay them off before they reset.?Those deals are hard to come by and I would just assume do business with prosper investors than banks that got taxpayer money.
My financial situation:
I am a good candidate for this loan because I have a steady job in a great industry that has remained healthy through the downturn (agriculture equipment sales).??Legendary investor Jim Rogers agrees.
I will also soon have additonal income from my tenant.? My payment history is stellar.? This is a sure fire safe bet for your prosper portfolio.
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
458080
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
|
Amount:
| $1,800.00 |
Prosper Rating:
| D |
Auction Duration:
| 7 days
|
|
Term:
| 36 months |
Estimated loss:
| 10.0% | | |
| | | |
|
|
Starting lender yield:
| 25.39% |
Starting borrower rate/APR:
| 26.39% / 28.72% |
Starting monthly payment:
| $72.90 |
| |
|
Auction yield range:
| 10.99% - 25.39% |
Estimated loss impact:
| 10.63% | | |
|
Lender servicing fee:
| 1.00% |
Estimated return:
| 14.76% | | |
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments 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:
| 51% |
|
Basic (1-10):
| 8 |
Inquiries last 6m:
| 1 | Employment status: | Full-time employee |
| Enhanced (1-5): | 3 |
Current / open credit lines:
| 10
/
5 | Length of status: | 0y 4m |
|
Credit score:
| 640-659 (May-2010) |
Total credit lines:
| 29 |
Occupation: | Other |
|
Now delinquent:
| 0 |
Revolving credit balance:
| $2,255 | Stated income: | $1-$24,999 |
|
Amount delinquent:
| $0 |
Bankcard utilization:
| 76% | | |
|
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| No | | |
|
Delinquencies in last 7y:
| 0 | | | | |
|
Screen name:
| repayment-collector |
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
Paying off credit card
Purpose of loan:
This loan will be used to?
pay off my credit card
My financial situation:I'm living pay check to pay check and can hardly pay them off
I am a good candidate for this loan because?I'm very good with my money, and I pay my bills ontime
Monthly net income: $ 1000
Monthly expenses: $
??Housing: $0
??Insurance: $150
??Car expenses: $349
??Utilities: $0
??Phone, cable, internet: $80
??Food, entertainment: $200
??Clothing, household expenses $50
??Credit cards and other loans: $150
??Other expenses: $100
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
458090
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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:
| E |
Auction Duration:
| 7 days
|
|
Term:
| 36 months |
Estimated loss:
| 14.0% | | |
| | | |
|
|
Starting lender yield:
| 34.00% |
Starting borrower rate/APR:
| 35.00% / 37.45% |
Starting monthly payment:
| $452.36 |
| |
|
Auction yield range:
| 13.99% - 34.00% |
Estimated loss impact:
| 15.57% | | |
|
Lender servicing fee:
| 1.00% |
Estimated return:
| 18.43% | | |
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
|
Prosper scores:
| |
First credit line:
| Aug-2004 |
Debt/Income ratio:
| Not calculated |
|
Basic (1-10):
| 6 |
Inquiries last 6m:
| 0 | Employment status: | Full-time employee |
| Enhanced (1-5): | 5 |
Current / open credit lines:
| 7
/
7 | Length of status: | 3y 8m |
|
Credit score:
| 640-659 (May-2010) |
Total credit lines:
| 12 |
Occupation: | Student - College S... |
|
Now delinquent:
| 0 |
Revolving credit balance:
| $7,512 | Stated income: | $1-$24,999 |
|
Amount delinquent:
| $0 |
Bankcard utilization:
| 40% | | |
|
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| Yes | | |
|
Delinquencies in last 7y:
| 0 | | | | |
|
Screen name:
| ThomasL |
Borrower's state:
| Minnesota |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
| Loan history | Payment history | Credit score history |
|
Active / total loans:
| 0 / 1 |
On-time:
| 7 ( 100% )
| 640-659 (Latest)
|
|
Principal borrowed:
| $10,000.00 | < 31 days late:
| 0
( 0% )
| 660-679
(Nov-2007)
|
|
Principal balance:
| $0.01 |
31+ days late:
| 0
( 0% )
|
|
Total payments billed:
| 7 | | |
Description
Last semester of college & job hunt
Purpose of loan:
This
loan will be used to help me live for my final semester of college (Graduating 8/28/2010), and then subsequently into my job
search. I have only received enough financial aid to pay for my tuition
for my final semester of college (summer). Because my major requires four semesters of
language, I will be taking the intensive Spanish 3 and
4 courses together in one semester, this is all that remains of my college career. This schedule is too intensive to
work full-time and complete sufficiently.
My financial situation:
I
am a good candidate for this loan because I am financially responsible. I'm a homeowner, which includes the
fact that I have three of my friends renting rooms from me, so my bills are manageable.? Not paying my bills is not an option for me, which is why I am using this Prosper loan as a contingency plan. The loan will be given great attention and all payments will be made in full and likely in advance.
Monthly net income: $
1,200
Monthly expenses: $
2,580
??Housing: $
1,385
??Insurance: $
??Car expenses: $
100.00
??Utilities: $ 275.00
??Phone, cable, internet: $
200.00
??Food, entertainment: $
200.00
??Clothing, household expenses $
20.00
??Credit cards and other loans: $
300.00
??Other expenses: $
100.00
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
458098
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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:
| 16.99% - 34.00% |
Estimated loss impact:
| 20.01% | | |
|
Lender servicing fee:
| 1.00% |
Estimated return:
| 13.99% | | |
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
|
Prosper scores:
| |
First credit line:
| Jan-1998 |
Debt/Income ratio:
| 27% |
|
Basic (1-10):
| 5 |
Inquiries last 6m:
| 0 | Employment status: | Full-time employee |
| Enhanced (1-5): | 4 |
Current / open credit lines:
| 8
/
7 | Length of status: | 14y 8m |
|
Credit score:
| 640-659 (May-2010) |
Total credit lines:
| 12 |
Occupation: | Other |
|
Now delinquent:
| 0 |
Revolving credit balance:
| $9,301 | Stated income: | $25,000-$49,999 |
|
Amount delinquent:
| $0 |
Bankcard utilization:
| 97% | | |
|
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| Yes | | |
|
Delinquencies in last 7y:
| 0 | | | | |
|
Screen name:
| responsibility-lightning |
Borrower's state:
| Michigan |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Description
CHRISTIAN STORE- NEVER late! LOOK!
Hello!? First of all- I have NEVER been late on ANY payment, EVER.?
This loan will be used to start our online Christian store.?
I am a good candidate for this loan because I am a responsible person and have never been late on a bill EVER.?? NO NEGATIVE accounts and have NEVER been late on a bill.? I do have a higher debt to income due to most of the bills are in my name and my wife's income was not counted for the scoring, so I assume this is the reason for the HR rating.??We have adequate income to pay this loan even if our business fails to thrive as you can see.
The following includes both incomes and all bills-
Monthly net income: $ 3640
Monthly obligations: $ $2617
Excess:? $1023
Monthly expenses:??
??Housing: $670
??Insurance: $120
??Car expenses: $ 415
??Utilities: $142
??Phone, cable, internet: $200
??Food, entertainment: $400
??Clothing, household expenses $200
??Credit cards and other loans: $270?
??Other expenses: $200
Thank you for considering us!
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
458108
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
|
Amount:
| $2,500.00 |
Prosper Rating:
| A |
Auction Duration:
| 7 days
|
|
Term:
| 36 months |
Estimated loss:
| 2.1% | | |
| | | |
|
|
Starting lender yield:
| 8.20% |
Starting borrower rate/APR:
| 9.20% / 11.30% |
Starting monthly payment:
| $79.73 |
| |
|
Auction yield range:
| 3.99% - 8.20% |
Estimated loss impact:
| 2.12% | | |
|
Lender servicing fee:
| 1.00% |
Estimated return:
| 6.08% | | |
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
|
Prosper scores:
| |
First credit line:
| Aug-2006 |
Debt/Income ratio:
| 4% |
|
Basic (1-10):
| 10 |
Inquiries last 6m:
| 0 | Employment status: | Full-time employee |
| Enhanced (1-5): | 5 |
Current / open credit lines:
| 6
/
6 | Length of status: | 1y 9m |
|
Credit score:
| 700-719 (May-2010) |
Total credit lines:
| 7 |
Occupation: | Engineer - Electric... |
|
Now delinquent:
| 0 |
Revolving credit balance:
| $1,311 | Stated income: | $75,000-$99,999 |
|
Amount delinquent:
| $0 |
Bankcard utilization:
| 27% | | |
|
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| No | | |
|
Delinquencies in last 7y:
| 0 | | | | |
|
Screen name:
| impressive-commitment8 |
Borrower's state:
| NewYork |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Description
My loan for an auto purchase
This borrower was not required to write a description based on the listing's likelihood to fund.
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
453813
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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:
| C |
Auction Duration:
| 7 days
|
|
Term:
| 36 months |
Estimated loss:
| 6.5% | | |
| | | |
|
|
Starting lender yield:
| 18.90% |
Starting borrower rate/APR:
| 19.90% / 23.68% |
Starting monthly payment:
| $37.11 |
| |
|
Auction yield range:
| 7.99% - 18.90% |
Estimated loss impact:
| 6.94% | | |
|
Lender servicing fee:
| 1.00% |
Estimated return:
| 11.96% | | |
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:
| Aug-1995 |
Debt/Income ratio:
| 2% |
|
Basic (1-10):
| 9 |
Inquiries last 6m:
| 0 | Employment status: | Full-time employee |
| Enhanced (1-5): | 5 |
Current / open credit lines:
| 4
/
2 | Length of status: | 7y 10m |
|
Credit score:
| 660-679 (Apr-2010) |
Total credit lines:
| 24 |
Occupation: | Nurse (RN) |
|
Now delinquent:
| 3 |
Revolving credit balance:
| $57 | Stated income: | $50,000-$74,999 |
|
Amount delinquent:
| $2,825 |
Bankcard utilization:
| 8% | | |
|
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| No | | |
|
Delinquencies in last 7y:
| 0 | | | | |
|
Screen name:
| genuine-liberty8 |
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 on Daughters Wedding
Purpose of loan:
This loan will be used to?help pay on my daughters wedding expenses.?
My financial situation:
I am a good candidate for this loan because? I have full time employment as a registered nurse and have been at my current employment 7.5 years.
Monthly net income: $ 3322.00
Monthly expenses: $ 2000.00
??Housing: $ 0
??Insurance: $ 125.00
??Car expenses: $ 300.00
??Utilities: $ 180.00
??Phone, cable, internet: $100.00
??Food, entertainment: $ 300.00
??Clothing, household expenses $ 100.00-125.00
??Credit cards and other loans: $ 0
??Other expenses: $ 320.00/sons private school
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
453985
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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:
| 34.5% | | |
| | | |
|
|
Starting lender yield:
| 17.00% |
Starting borrower rate/APR:
| 18.00% / 20.21% |
Starting monthly payment:
| $903.81 |
| |
|
Auction yield range:
| 16.99% - 17.00% |
Estimated loss impact:
| 35.44% | | |
|
Lender servicing fee:
| 1.00% |
Estimated return:
| -18.44% | | |
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:
| Jul-2002 |
Debt/Income ratio:
| 21% |
|
Basic (1-10):
| 1 |
Inquiries last 6m:
| 8 | Employment status: | Full-time employee |
| Enhanced (1-5): | 3 |
Current / open credit lines:
| 16
/
14 | Length of status: | 2y 4m |
|
Credit score:
| 640-659 (Apr-2010) |
Total credit lines:
| 30 |
Occupation: | Architect |
|
Now delinquent:
| 0 |
Revolving credit balance:
| $26,984 | Stated income: | $100,000+ |
|
Amount delinquent:
| $0 |
Bankcard utilization:
| 60% | | |
|
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| No | | |
|
Delinquencies in last 7y:
| 0 | | | | |
|
Screen name:
| chairman099 |
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
Loan consolidation
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
455471
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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:
| 16.99% - 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-1984 |
Debt/Income ratio:
| 26% |
|
Basic (1-10):
| 4 |
Inquiries last 6m:
| 5 | Employment status: | Full-time employee |
| Enhanced (1-5): | 2 |
Current / open credit lines:
| 14
/
12 | Length of status: | 20y 5m |
|
Credit score:
| 660-679 (Apr-2010) |
Total credit lines:
| 64 |
Occupation: | Fireman |
|
Now delinquent:
| 0 |
Revolving credit balance:
| $3,279 | Stated income: | $75,000-$99,999 |
|
Amount delinquent:
| $0 |
Bankcard utilization:
| 80% | | |
|
Public records last 12m / 10y:
| 0/ 1 |
Homeownership:
| Yes | | |
|
Delinquencies in last 7y:
| 2 | | | | |
|
Screen name:
| FireLieutDen |
Borrower's state:
| Colorado |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
| Loan history | Payment history | Credit score history |
|
Active / total loans:
| 1 / 1 |
On-time:
| 30 ( 100% )
| 660-679 (Latest)
|
|
Principal borrowed:
| $4,000.00 | < 31 days late:
| 0
( 0% )
| 660-679
(Jan-2010)
640-659
(Aug-2009)
640-659
(Jul-2008)
680-699
(Oct-2007)
|
|
Principal balance:
| $776.04 |
31+ days late:
| 0
( 0% )
|
|
Total payments billed:
| 30 | | |
Description
Personal Loan for Wifes College
Purpose of loan:
This loan will be used to purchase material neccessary for spouse to complete college.?
My financial situation:
Good. Recovered from rough time 6 years ago, have gone a long way to repairing my credit.
Monthly net income: $ 8,000 (myself and spouse)
Monthly expenses: $
??Housing: $ 1525????
??Insurance: $ 111????
??Car expenses: $ 1000 (payments)
??Utilities: $?250
??Phone, cable, internet: $ 125
??Food, entertainment: $ 1000????
??Clothing, household expenses $ 100
??Credit cards and other loans: $ 200
??Other expenses: $
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
456741
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
|
Amount:
| $6,000.00 |
Prosper Rating:
| A |
Auction Duration:
| 7 days
|
|
Term:
| 36 months |
Estimated loss:
| 2.1% | | |
| | | |
|
|
Starting lender yield:
| 11.80% |
Starting borrower rate/APR:
| 12.80% / 14.94% |
Starting monthly payment:
| $201.59 |
| |
|
Auction yield range:
| 3.99% - 11.80% |
Estimated loss impact:
| 2.14% | | |
|
Lender servicing fee:
| 1.00% |
Estimated return:
| 9.66% | | |
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:
| Aug-2001 |
Debt/Income ratio:
| 15% |
|
Basic (1-10):
| 9 |
Inquiries last 6m:
| 0 | Employment status: | Full-time employee |
| Enhanced (1-5): | 5 |
Current / open credit lines:
| 8
/
7 | Length of status: | 2y 8m |
|
Credit score:
| 760-779 (May-2010) |
Total credit lines:
| 14 |
Occupation: | Engineer - Mechanic... |
|
Now delinquent:
| 0 |
Revolving credit balance:
| $3,050 | Stated income: | $50,000-$74,999 |
|
Amount delinquent:
| $0 |
Bankcard utilization:
| 10% | | |
|
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| No | | |
|
Delinquencies in last 7y:
| 0 | | | | |
|
Screen name:
| jzief128 |
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
Short-term loan for selling car
I am looking for a short-term loan to pay off my currently financed vehicle so that I can sell it?myself (instead of trading it in).? Thank you.
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
456953
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
|
Amount:
| $3,500.00 |
Prosper Rating:
| HR |
Auction Duration:
| 7 days
|
|
Term:
| 36 months |
Estimated loss:
| 25.0% | | |
| | | |
|
|
Starting lender yield:
| 34.00% |
Starting borrower rate/APR:
| 35.00% / 37.45% |
Starting monthly payment:
| $158.33 |
| |
|
Auction yield range:
| 16.99% - 34.00% |
Estimated loss impact:
| 27.01% | | |
|
Lender servicing fee:
| 1.00% |
Estimated return:
| 6.99% | | |
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
|
Prosper scores:
| |
First credit line:
| Feb-1988 |
Debt/Income ratio:
| 16% |
|
Basic (1-10):
| 3 |
Inquiries last 6m:
| 0 | Employment status: | Retired |
| Enhanced (1-5): | 4 |
Current / open credit lines:
| 5
/
5 | Length of status: | 14y 9m |
|
Credit score:
| 660-679 (Apr-2010) |
Total credit lines:
| 26 | Stated income: | $25,000-$49,999 |
|
Now delinquent:
| 3 |
Revolving credit balance:
| $3,343 | |
|
Amount delinquent:
| $7,731 |
Bankcard utilization:
| 80% | | |
|
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| Yes | | |
|
Delinquencies in last 7y:
| 15 | | | | |
|
Screen name:
| karen9290 |
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:
| 1 / 1 |
On-time:
| 31 ( 100% )
| 660-679 (Latest)
|
|
Principal borrowed:
| $3,500.00 | < 31 days late:
| 0
( 0% )
| 660-679
(Aug-2007)
660-679
(Jul-2007)
540-559
(Jun-2007)
|
|
Principal balance:
| $593.72 |
31+ days late:
| 0
( 0% )
|
|
Total payments billed:
| 31 | | |
Description
BACK ON TRACK
Purpose of loan:
(explain what you will be using this loan for) PAY OFF HIGH INTREST CREDIT CARDS.?? I HAVE ENOUGH SAVINGS WITH THIS LOAN TO GET BACK ON TRACK PAY OFF ALL CREDIT CARD DEBT. GOOD RETIREMENT STEADY INCOME LOW HOUSEHOLD EXPENSES SUPPORT ONLY MYSELF,.?? RELIABLE PAYER OWN HOME.?
My financial situation:
(explain why you are a good candidate for paying back this loan)
Monthly net income: $ 3500
Monthly expenses: $ 1600
??Housing: $?900
??Insurance: $ 40
??Car expenses: $ 40
??Utilities: $ 100
??Phone, cable, internet: $ 50
??Food, entertainment: $ 50
??Clothing, household expenses $ 40
??Credit cards and other loans: $ 250
??Other expenses: $ 25
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
457507
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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:
| 34.5% | | |
| | | |
|
|
Starting lender yield:
| 34.00% |
Starting borrower rate/APR:
| 35.00% / 37.45% |
Starting monthly payment:
| $542.83 |
| |
|
Auction yield range:
| 16.99% - 34.00% |
Estimated loss impact:
| 36.51% | | |
|
Lender servicing fee:
| 1.00% |
Estimated return:
| -2.51% | | |
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
|
Prosper scores:
| |
First credit line:
| Aug-1997 |
Debt/Income ratio:
| Not calculated |
|
Basic (1-10):
| 1 |
Inquiries last 6m:
| 1 | Employment status: | Full-time employee |
| Enhanced (1-5): | 2 |
Current / open credit lines:
| 5
/
5 | Length of status: | 12y 9m |
|
Credit score:
| 680-699 (May-2010) |
Total credit lines:
| 19 |
Occupation: | Other |
|
Now delinquent:
| 1 |
Revolving credit balance:
| $62,531 | Stated income: | $50,000-$74,999 |
|
Amount delinquent:
| $1,775 |
Bankcard utilization:
| 99% | | |
|
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| Yes | | |
|
Delinquencies in last 7y:
| 4 | | | | |
|
Screen name:
| handshake813 |
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
"a good blueprint to a $franchise"
Purpose of loan:
This loan will be used to? improve our new salon. we recently moved to a new location that has two great anchore stores. we want to continue our look of upscale family in our new salon. this loan will also allow us to advertise and promote for up and coming events.
My financial situation:
I am a good candidate for this loan because? we will be postioned to make a lot of money. the advertising and promotion will draw in the business and our customer service will keep them happy and willing to come back and tell others.
Monthly net income: $ 8000-10000
Monthly expenses: $
??Housing: $ 1800
??Insurance: $ 350
??Car expenses: $ 1200
??Utilities: $ 250
??Phone, cable, internet: $90
??Food, entertainment: $ 120
??Clothing, household expenses $ 70
??Credit cards and other loans: $200?
??Other expenses: $
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
457763
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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:
| 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:
| $407.12 |
| |
|
Auction yield range:
| 16.99% - 34.00% |
Estimated loss impact:
| 27.01% | | |
|
Lender servicing fee:
| 1.00% |
Estimated return:
| 6.99% | | |
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
|
Prosper scores:
| |
First credit line:
| May-1994 |
Debt/Income ratio:
| Self-employed (DTI Not Calculated) |
|
Basic (1-10):
| 3 |
Inquiries last 6m:
| 0 | Employment status: | Self-employed |
| Enhanced (1-5): | 3 |
Current / open credit lines:
| 13
/
13 | Length of status: | 0y 11m |
|
Credit score:
| 640-659 (May-2010) |
Total credit lines:
| 36 |
Occupation: | Other |
|
Now delinquent:
| 0 |
Revolving credit balance:
| $62,915 | Stated income: | $25,000-$49,999 |
|
Amount delinquent:
| $0 |
Bankcard utilization:
| 98% | | |
|
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| No | | |
|
Delinquencies in last 7y:
| 0 | | | | |
|
Screen name:
| a-dedication-generator |
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
Recovering After Disaster
Purpose of loan:
This loan will be used to cover Operating Expenses for 3-4 months while my company recovers from the devastation that hit many businesses (i.e. my core clientele) in the Nashville area.? I run a consulting firm that specializing in brand marketing solutions for small businesses, where I help small businesses increase sales by enhancing their company?s online brand and building stronger customer relationships.? I was on the verge of reaching my income-generating stage, when the floods hit.?
My financial situation:
I am a good candidate for this loan because I will pay it back. I am an honest, ethical, and upstanding person who is simply in need of a break.? I have all the tools that I need to continue to grow my business and weather these difficult times, but I need the money to cover Operating Expenses, and I'm unable to secure funding by any other means.? With this insurgence of working capital, I can keep my doors open and not lose the momentum I have built thus far, and continue to serve the small business community in the Middle Tennessee area as we all seek to rebuild and recover from our recent disaster.? I plan to pay this loan off as soon as possible.
Monthly net income: $ 1076
Monthly expenses: $ 2670
Housing: $ 720
?? Car expenses: $ 400
?? Utilities: $ 100
?? Phone, cable, internet: $ 100
?? Food, entertainment: $ 50
?? Credit cards and other loans: $ 1300
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
457863
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
|
Amount:
| $2,000.00 |
Prosper Rating:
| E |
Auction Duration:
| 7 days
|
|
Term:
| 36 months |
Estimated loss:
| 14.7% | | |
| | | |
|
|
Starting lender yield:
| 34.00% |
Starting borrower rate/APR:
| 35.00% / 37.45% |
Starting monthly payment:
| $90.47 |
| |
|
Auction yield range:
| 13.99% - 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:
| Jan-2003 |
Debt/Income ratio:
| 17% |
|
Basic (1-10):
| 6 |
Inquiries last 6m:
| 0 | Employment status: | Full-time employee |
| Enhanced (1-5): | 5 |
Current / open credit lines:
| 8
/
7 | Length of status: | 2y 1m |
|
Credit score:
| 620-639 (May-2010) |
Total credit lines:
| 19 |
Occupation: | Other |
|
Now delinquent:
| 0 |
Revolving credit balance:
| $1,092 | Stated income: | $25,000-$49,999 |
|
Amount delinquent:
| $0 |
Bankcard utilization:
| 63% | | |
|
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| No | | |
|
Delinquencies in last 7y:
| 2 | | | | |
|
Screen name:
| Diva-quest |
Borrower's state:
| NewJersey |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
| Loan history | Payment history | Credit score history |
|
Active / total loans:
| 1 / 1 |
On-time:
| 18 ( 90% )
| 620-639 (Latest)
|
|
Principal borrowed:
| $1,200.00 | < 31 days late:
| 2
( 10% )
| 620-639
(Sep-2008)
|
|
Principal balance:
| $546.16 |
31+ days late:
| 0
( 0% )
|
|
Total payments billed:
| 20 | | |
Description
IMMEDIATE AUTO REPAIRS
I will utilize the loan for immediate auto repairs that is mechanical on a 2001 VW. I had the car for 9 years and it's paid off. It has 65,000 miles on it. I had this car since I was 18 years old, this is my first car and I would like to hold on to it for 5 more years at least. I'm not prepared to get a new car or a car note because I'm currently in graduate school and working full-time to cut down my student loans and other debt, so I can focus on my career endeavors. I plan on paying the loan off by the end of this year. I also have a current Prosper loan that I am paying on time and in full this year to build my credit. I am qualified for a promotion and bonus in July at my current employment which will assist me in paying off this loan. I hope the Prosper lenders have faith in me as a borrower. God Bless.
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
457869
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
|
Amount:
| $5,000.00 |
Prosper Rating:
| AA |
Auction Duration:
| 7 days
|
|
Term:
| 36 months |
Estimated loss:
| 0.6% | | |
| | | |
|
|
Starting lender yield:
| 6.10% |
Starting borrower rate/APR:
| 7.10% / 7.44% |
Starting monthly payment:
| $154.61 |
| |
|
Auction yield range:
| 2.99% - 6.10% |
Estimated loss impact:
| 0.60% | | |
|
Lender servicing fee:
| 1.00% |
Estimated return:
| 5.50% | | |
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
|
Prosper scores:
| |
First credit line:
| Aug-1987 |
Debt/Income ratio:
| 9% |
|
Basic (1-10):
| 10 |
Inquiries last 6m:
| 0 | Employment status: | Full-time employee |
| Enhanced (1-5): | 5 |
Current / open credit lines:
| 7
/
7 | Length of status: | 10y 4m |
|
Credit score:
| 820-839 (May-2010) |
Total credit lines:
| 26 |
Occupation: | Professional |
|
Now delinquent:
| 0 |
Revolving credit balance:
| $2,355 | Stated income: | $100,000+ |
|
Amount delinquent:
| $0 |
Bankcard utilization:
| 10% | | |
|
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| Yes | | |
|
Delinquencies in last 7y:
| 0 | | | | |
|
Screen name:
| JAT |
Borrower's state:
| Maryland |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
| Loan history | Payment history | Credit score history |
|
Active / total loans:
| 0 / 1 |
On-time:
| 8 ( 100% )
| 820-839 (Latest)
|
|
Principal borrowed:
| $15,000.00 | < 31 days late:
| 0
( 0% )
| 840-859
(Feb-2007)
|
|
Principal balance:
| $0.00 |
31+ days late:
| 0
( 0% )
|
|
Total payments billed:
| 8 | | |
Description
My personal loan
This loan will?be paid off early,?most likely?within the next 10 months.
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
457875
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
|
Amount:
| $5,000.00 |
Prosper Rating:
| HR |
Auction Duration:
| 7 days
|
|
Term:
| 36 months |
Estimated loss:
| 18.0% | | |
| | | |
|
|
Starting lender yield:
| 34.00% |
Starting borrower rate/APR:
| 35.00% / 37.45% |
Starting monthly payment:
| $226.18 |
| |
|
Auction yield range:
| 16.99% - 34.00% |
Estimated loss impact:
| 20.01% | | |
|
Lender servicing fee:
| 1.00% |
Estimated return:
| 13.99% | | |
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
|
Prosper scores:
| |
First credit line:
| Jan-2002 |
Debt/Income ratio:
| 15% |
|
Basic (1-10):
| 5 |
Inquiries last 6m:
| 0 | Employment status: | Full-time employee |
| Enhanced (1-5): | 3 |
Current / open credit lines:
| 4
/
3 | Length of status: | 10y 3m |
|
Credit score:
| 660-679 (May-2010) |
Total credit lines:
| 9 |
Occupation: | Police Officer/Corr... |
|
Now delinquent:
| 0 |
Revolving credit balance:
| $0 | Stated income: | $25,000-$49,999 |
|
Amount delinquent:
| $0 |
Bankcard utilization:
| 0% | | |
|
Public records last 12m / 10y:
| 0/ 1 |
Homeownership:
| Yes | | |
|
Delinquencies in last 7y:
| 2 | | | | |
|
Screen name:
| joyful-gain6 |
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
Roof needs to be waterproof!
Purpose of loan:
This loan will be used to repair the roof on our home that we moved into in August 2008. It is partially shingled and the rest is metal. There are also 2 doors which need to be replaced.
My financial situation:
I am a good candidate for this loan because I have steady employment with the sheriff department and am also chief deputy coroner, as well as assistant fire chief for our volunteer fire department. I work on squad cars and generate additional income at times. My wife also contributes as an autopsy assistant, which brings in extra income, but is not included in my income.
Monthly net income: $
2400.00 ???? ????
Monthly expenses: $ 1173.00
??Housing: $
??Insurance: $
??Car expenses: $
??Utilities: $
??Phone, cable, internet: $
??Food, entertainment: $
??Clothing, household expenses $
??Credit cards and other loans: $
??Other expenses: $
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
457881
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
|
Amount:
| $1,999.00 |
Prosper Rating:
| 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:
| $90.43 |
| |
|
Auction yield range:
| 16.99% - 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:
| Jul-1986 |
Debt/Income ratio:
| Self-employed (DTI Not Calculated) |
|
Basic (1-10):
| 1 |
Inquiries last 6m:
| 8 | Employment status: | Self-employed |
| Enhanced (1-5): | 1 |
Current / open credit lines:
| 3
/
3 | Length of status: | 3y 3m |
|
Credit score:
| 640-659 (Apr-2010) |
Total credit lines:
| 15 |
Occupation: | Sales - Retail |
|
Now delinquent:
| 1 |
Revolving credit balance:
| $452 | Stated income: | $0 |
|
Amount delinquent:
| $392 |
Bankcard utilization:
| 162% | | |
|
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| No | | |
|
Delinquencies in last 7y:
| 3 | | | | |
|
Screen name:
| wonderous-bid0 |
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
I only need $25.00 from you today!
Purpose of loan:
This loan will be used to? Pay off a student loan debt.? I only need 25.00 from each investor that reads this. Ask me any question and I will answer honestly. I know that prosper?rated me an HR.? Therefore, if each person loans me a small amount then it will add up in 7 days.?Well, simply invest what you can and you will get your money back with interest! That's free money for you! Then you can use your profit from me to reinvest! It's just that simple.
I am a stay at home Mom and I realized how hectic working a conventional 9-5 was and realized it's Not for me!? I work from home in order to be near my family.I want to work for myself to secure my financial future.? I have a debt for a student loan because I'm in school to become a teacher.I have a BS in Fashion Merchandising but i had hard luck working in corporate America as a Buyer.??
My financial situation:
I am a good candidate for this loan because?
I have learned my lesson in the past about not paying bills on time and I now have credit cards with low utilization percentages.? I recently read a book called "The Secret" I decided to take the authors advice and go out on a limb and ask for what I want.? I really want to work for myself but I need your help. I realize that I can't become financially prosperous (like my play on words) by working for someonelse. I can do it! I was young and immature in the past and very irresponsible with my spending.? Now that I have children which puts everything into perspective I am much more financially responsible.
Monthly net income: $ 2200
Monthly expenses: $
??Housing: $ 750
??Insurance: $ 40
??Car expenses: $ 0
??Utilities: $ 70
??Phone, cable, internet: $ 35
??Food, entertainment: $?300
??Clothing, household expenses $ 30
??Credit cards and other loans: $?55
??Other expenses: $ 70
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
457899
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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:
| 26.39% |
Starting borrower rate/APR:
| 27.39% / 29.73% |
Starting monthly payment:
| $246.21 |
| |
|
Auction yield range:
| 10.99% - 26.39% |
Estimated loss impact:
| 10.66% | | |
|
Lender servicing fee:
| 1.00% |
Estimated return:
| 15.73% | | |
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:
| Jun-2006 |
Debt/Income ratio:
| Not calculated |
|
Basic (1-10):
| 7 |
Inquiries last 6m:
| 0 | Employment status: | Not employed |
| Enhanced (1-5): | 5 |
Current / open credit lines:
| 13
/
13 | Length of status: | 0y 1m |
|
Credit score:
| 700-719 (May-2010) |
Total credit lines:
| 13 | Stated income: | Not employed |
|
Now delinquent:
| 0 |
Revolving credit balance:
| $6,949 | |
|
Amount delinquent:
| $0 |
Bankcard utilization:
| 38% | | |
|
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| No | | |
|
Delinquencies in last 7y:
| 0 | | | | |
|
Screen name:
| red-delicious-listing |
Borrower's state:
| Georgia |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Description
Great Credit To Pay Off Credit Card
Purpose of loan:
To pay off high interwst credit cards
My financial
situation: Recently employed and wife has long standing hospital career.
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
457905
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
|
Amount:
| $8,000.00 |
Prosper Rating:
| HR |
Auction Duration:
| 7 days
|
|
Term:
| 36 months |
Estimated loss:
| 18.0% | | |
| | | |
|
|
Starting lender yield:
| 19.00% |
Starting borrower rate/APR:
| 20.00% / 22.24% |
Starting monthly payment:
| $297.31 |
| |
|
Auction yield range:
| 16.99% - 19.00% |
Estimated loss impact:
| 19.06% | | |
|
Lender servicing fee:
| 1.00% |
Estimated return:
| -0.06% | | |
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
|
Prosper scores:
| |
First credit line:
| Dec-2003 |
Debt/Income ratio:
| 63% |
|
Basic (1-10):
| 5 |
Inquiries last 6m:
| 1 | Employment status: | Full-time employee |
| Enhanced (1-5): | 3 |
Current / open credit lines:
| 10
/
10 | Length of status: | 0y 9m |
|
Credit score:
| 660-679 (May-2010) |
Total credit lines:
| 17 |
Occupation: | Other |
|
Now delinquent:
| 0 |
Revolving credit balance:
| $8,739 | Stated income: | $1-$24,999 |
|
Amount delinquent:
| $0 |
Bankcard utilization:
| 87% | | |
|
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| No | | |
|
Delinquencies in last 7y:
| 0 | | | | |
|
Screen name:
| valiant-exchange017 |
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
Transition to Teaching!
Purpose of loan:
My Husband and I have been accepted into the Texas Teaching Fellows! We will be teaching Special Ed and English as a Second Language Students in high needs schools in Dallas, Tx. We will be moving to Texas for our training which starts on June 7th, however we don't get paid by the school districts until September. We need this loan for moving and living expenses during this time. By the time September rolls around we will me making over double our current income and teaching kids who need the most help!
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
457911
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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:
| C |
Auction Duration:
| 7 days
|
|
Term:
| 36 months |
Estimated loss:
| 7.0% | | |
| | | |
|
|
Starting lender yield:
| 20.94% |
Starting borrower rate/APR:
| 21.94% / 24.20% |
Starting monthly payment:
| $286.20 |
| |
|
Auction yield range:
| 7.99% - 20.94% |
Estimated loss impact:
| 7.49% | | |
|
Lender servicing fee:
| 1.00% |
Estimated return:
| 13.45% | | |
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
|
Prosper scores:
| |
First credit line:
| Feb-1975 |
Debt/Income ratio:
| 81% |
|
Basic (1-10):
| 6 |
Inquiries last 6m:
| 2 | Employment status: | Full-time employee |
| Enhanced (1-5): | 1 |
Current / open credit lines:
| 30
/
27 | Length of status: | 0y 2m |
|
Credit score:
| 780-799 (May-2010) |
Total credit lines:
| 96 |
Occupation: | Other |
|
Now delinquent:
| 0 |
Revolving credit balance:
| $66,575 | Stated income: | $25,000-$49,999 |
|
Amount delinquent:
| $0 |
Bankcard utilization:
| 76% | | |
|
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| Yes | | |
|
Delinquencies in last 7y:
| 0 | | | | |
|
Screen name:
| judust |
Borrower's state:
| Arizona |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
| Loan history | Payment history | Credit score history |
|
Active / total loans:
| 0 / 1 |
On-time:
| 1 ( 100% )
| 780-799 (Latest)
|
|
Principal borrowed:
| $5,000.00 | < 31 days late:
| 0
( 0% )
| 780-799
(Mar-2010)
780-799
(Feb-2010)
780-799
(Nov-2009)
680-699
(Sep-2008)
|
|
Principal balance:
| $0.00 |
31+ days late:
| 0
( 0% )
|
|
Total payments billed:
| 1 | | |
Description
Paying off credit cards
Purpose of loan:
This loan will be used to consolidate credit card debt in to one monthly payment.? I would
like to have just one monthly obligation rather than several as well as getting the balances
paid off sooner which is what will happen with a Prosper loan.? Currently none of the balances I am hoping to payoff has an interest rate higher than 17%.? As I normally pay more than the minimum payment each month the Prosper loan with one monthly payment will be much easier to handle.? Hopefully there will be a better interest rate with Prosper.?? I have just retired from a job I held with the same company for 40 years.? I have started another job so I still have good income. ?My spouse is?employed and has been with the same company for 39 years.? My spouse will not be leaving the company for at least another 7 to 8 yrs.? There is no chance of a layoff in his position.? I am including this information to let all know that I have a good steady monthly income that will afford me to repay the Prosper loan.? My goal is to become debt free and this loan is a giant step towards that goal.
My financial situation:
I am a good candidate for this loan? I have a stellar payment history and very good credit.? I pride myself on taking care of my financial obligations.? I have no negative information on my credit
report whatsoever.
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
457935
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
|
Amount:
| $12,000.00 |
Prosper Rating:
| A |
Auction Duration:
| 7 days
|
|
Term:
| 36 months |
Estimated loss:
| 2.1% | | |
| | | |
|
|
Starting lender yield:
| 9.20% |
Starting borrower rate/APR:
| 10.20% / 12.31% |
Starting monthly payment:
| $388.33 |
| |
|
Auction yield range:
| 3.99% - 9.20% |
Estimated loss impact:
| 2.12% | | |
|
Lender servicing fee:
| 1.00% |
Estimated return:
| 7.08% | | |
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
|
Prosper scores:
| |
First credit line:
| Jan-1998 |
Debt/Income ratio:
| 12% |
|
Basic (1-10):
| 9 |
Inquiries last 6m:
| 0 | Employment status: | Full-time employee |
| Enhanced (1-5): | 5 |
Current / open credit lines:
| 5
/
5 | Length of status: | 4y 5m |
|
Credit score:
| 760-779 (May-2010) |
Total credit lines:
| 12 |
Occupation: | Other |
|
Now delinquent:
| 0 |
Revolving credit balance:
| $83,829 | Stated income: | $50,000-$74,999 |
|
Amount delinquent:
| $0 |
Bankcard utilization:
| 52% | | |
|
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| Yes | | |
|
Delinquencies in last 7y:
| 0 | | | | |
|
Screen name:
| becoming_debt_free |
Borrower's state:
| Idaho |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from 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 personal loan for my business
This borrower was not required to write a description based on the listing's likelihood to fund.
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
457937
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
|
Amount:
| $1,800.00 |
Prosper Rating:
| HR |
Auction Duration:
| 7 days
|
|
Term:
| 36 months |
Estimated loss:
| 18.0% | | |
| | | |
|
|
Starting lender yield:
| 34.00% |
Starting borrower rate/APR:
| 35.00% / 37.45% |
Starting monthly payment:
| $81.42 |
| |
|
Auction yield range:
| 16.99% - 34.00% |
Estimated loss impact:
| 20.01% | | |
|
Lender servicing fee:
| 1.00% |
Estimated return:
| 13.99% | | |
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
|
Prosper scores:
| |
First credit line:
| Jun-1988 |
Debt/Income ratio:
| 2% |
|
Basic (1-10):
| 5 |
Inquiries last 6m:
| 13 | Employment status: | Retired |
| Enhanced (1-5): | 4 |
Current / open credit lines:
| 3
/
3 | Length of status: | 11y 4m |
|
Credit score:
| 680-699 (May-2010) |
Total credit lines:
| 5 | Stated income: | $75,000-$99,999 |
|
Now delinquent:
| 0 |
Revolving credit balance:
| $8,778 | |
|
Amount delinquent:
| $0 |
Bankcard utilization:
| 70% | | |
|
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| No | | |
|
Delinquencies in last 7y:
| 0 | | | | |
|
Screen name:
| kind-worldly-return |
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
BUILDING WALKWAY FOR WHEELCHAIR
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
457943
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
|
Amount:
| $25,000.00 |
Prosper Rating:
| D |
Auction Duration:
| 7 days
|
|
Term:
| 36 months |
Estimated loss:
| 10.0% | | |
| | | |
|
|
Starting lender yield:
| 13.00% |
Starting borrower rate/APR:
| 14.00% / 16.16% |
Starting monthly payment:
| $854.44 |
| |
|
Auction yield range:
| 10.99% - 13.00% |
Estimated loss impact:
| 10.28% | | |
|
Lender servicing fee:
| 1.00% |
Estimated return:
| 2.72% | | |
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
|
Prosper scores:
| |
First credit line:
| Mar-2000 |
Debt/Income ratio:
| 42% |
|
Basic (1-10):
| 6 |
Inquiries last 6m:
| 0 | Employment status: | Full-time employee |
| Enhanced (1-5): | 4 |
Current / open credit lines:
| 9
/
9 | Length of status: | 4y 2m |
|
Credit score:
| 700-719 (May-2010) |
Total credit lines:
| 21 |
Occupation: | Engineer - Mechanic... |
|
Now delinquent:
| 0 |
Revolving credit balance:
| $48,514 | Stated income: | $75,000-$99,999 |
|
Amount delinquent:
| $0 |
Bankcard utilization:
| 74% | | |
|
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| Yes | | |
|
Delinquencies in last 7y:
| 0 | | | | |
|
Screen name:
| loanforgood |
Borrower's state:
| Michigan |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Description
Loan for good
Purpose of loan:
This loan will be used to finish my basement
My financial situation:
I am a good candidate for this loan because I never missed a payment atleast in 10 years and?I have a stable income with a good position and a secured job.
Monthly net income: $ 6000
Monthly expenses: $
??Housing: $?600
??Insurance: $?200
??Car expenses: $ 250
??Utilities: $ 200
??Phone, cable, internet: $ 100
??Food, entertainment: $ 350
??Clothing, household expenses $?300
??Credit cards and other loans: $ 1800?
??Other expenses: $ 200
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
457949
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
|
Amount:
| $15,000.00 |
Prosper Rating:
| HR |
Auction Duration:
| 7 days
|
|
Term:
| 36 months |
Estimated loss:
| 34.5% | | |
| | | |
|
|
Starting lender yield:
| 21.75% |
Starting borrower rate/APR:
| 22.75% / 25.02% |
Starting monthly payment:
| $578.69 |
| |
|
Auction yield range:
| 16.99% - 21.75% |
Estimated loss impact:
| 35.74% | | |
|
Lender servicing fee:
| 1.00% |
Estimated return:
| -13.99% | | |
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
|
Prosper scores:
| |
First credit line:
| Jul-1990 |
Debt/Income ratio:
| 38% |
|
Basic (1-10):
| 1 |
Inquiries last 6m:
| 2 | Employment status: | Full-time employee |
| Enhanced (1-5): | 2 |
Current / open credit lines:
| 8
/
3 | Length of status: | 13y 9m |
|
Credit score:
| 660-679 (May-2010) |
Total credit lines:
| 19 |
Occupation: | Teacher |
|
Now delinquent:
| 0 |
Revolving credit balance:
| $4,815 | Stated income: | $50,000-$74,999 |
|
Amount delinquent:
| $0 |
Bankcard utilization:
| 96% | | |
|
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| No | | |
|
Delinquencies in last 7y:
| 0 | | | | |
|
Screen name:
| unequivocal-treasure3 |
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
Financial Freedom for a H.S.Teacher
Purpose of loan:
This loan will be used to consolidate 3 credit cards I have.? 2 are closed and 1 is still open.? I borrowed money from lending club last year and after I made a $12500.00 payment they slahed my credit line by 12,500 after the payment cleared.? It does not show on my credit report that I had a 16,500 credit line.
How did I get into this situation?? 3 years ago my father died in Hospice and I had to take time off work.? Bank of America slashed my credit line for no reason what so ever.? I have never been late on any of my accounts.? I would really like to be rid of these 3 credit cards
My financial situation:
I am a good candidate for this loan because I have a stable job and have never been late on any of my accounts.? My mother is widow and I now care for her
Monthly net income: $ 57000
Monthly expenses: $
??Housing: $ 0
??Insurance: $ 0
??Car expenses: $ 0
??Utilities: $?0
??Phone, cable, internet: $ 50
??Food, entertainment: $?150
??Clothing, household expenses $ 50
??Credit cards and other loans: $ 1100
??Other expenses: $ 0
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
457953
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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:
| 25.0% | | |
| | | |
|
|
Starting lender yield:
| 34.00% |
Starting borrower rate/APR:
| 35.00% / 37.45% |
Starting monthly payment:
| $135.71 |
| |
|
Auction yield range:
| 16.99% - 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:
| Sep-2002 |
Debt/Income ratio:
| 16% |
|
Basic (1-10):
| 3 |
Inquiries last 6m:
| 3 | Employment status: | Full-time employee |
| Enhanced (1-5): | 2 |
Current / open credit lines:
| 2
/
2 | Length of status: | 9y 3m |
|
Credit score:
| 640-659 (May-2010) |
Total credit lines:
| 11 |
Occupation: | Administrative Assi... |
|
Now delinquent:
| 1 |
Revolving credit balance:
| $0 | Stated income: | $25,000-$49,999 |
|
Amount delinquent:
| $0 |
Bankcard utilization:
| 0% | | |
|
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| Yes | | |
|
Delinquencies in last 7y:
| 2 | | | | |
|
Screen name:
| inspiring-investment3 |
Borrower's state:
| Minnesota |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Description
help getting caught up on bills/del
Purpose of loan:
This loan will be used to?get caught up on bills?and improve my credit score?
I have been a single father for about 3yrs and just need alittle help right now.
I do not receive any child support or government asst.
My financial situation:
I am a good candidate for this loan because? I have been an
employee with the State of Minnesota for over 9yrs. Also?I was
assigned personal representative for my Fathers estate
and I am ending his probate on June 21st and funds will
be distributed to me so I will be able to be financially stable.
Monthly net income: $ 1,900
Monthly expenses: $
??Housing: $ 300
??Insurance: $ 100
??Car expenses: $ 120
??Utilities: $ 80
??Phone, cable, internet: $ 75
??Food, entertainment: $ 150
??Clothing, household expenses $ 100
??Credit cards and other loans: $ 250- I have never had a credit card
??Other expenses: $ daycare-275
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
457955
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
|
Amount:
| $1,800.00 |
Prosper Rating:
| D |
Auction Duration:
| 7 days
|
|
Term:
| 36 months |
Estimated loss:
| 10.0% | | |
| | | |
|
|
Starting lender yield:
| 25.39% |
Starting borrower rate/APR:
| 26.39% / 28.72% |
Starting monthly payment:
| $72.90 |
| |
|
Auction yield range:
| 10.99% - 25.39% |
Estimated loss impact:
| 10.63% | | |
|
Lender servicing fee:
| 1.00% |
Estimated return:
| 14.76% | | |
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments 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-1992 |
Debt/Income ratio:
| 47% |
|
Basic (1-10):
| 6 |
Inquiries last 6m:
| 0 | Employment status: | Full-time employee |
| Enhanced (1-5): | 3 |
Current / open credit lines:
| 9
/
9 | Length of status: | 11y 4m |
|
Credit score:
| 700-719 (May-2010) |
Total credit lines:
| 34 |
Occupation: | Other |
|
Now delinquent:
| 1 |
Revolving credit balance:
| $10,609 | Stated income: | $25,000-$49,999 |
|
Amount delinquent:
| $1,390 |
Bankcard utilization:
| 86% | | |
|
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| Yes | | |
|
Delinquencies in last 7y:
| 21 | | | | |
|
Screen name:
| graceful-hope3 |
Borrower's state:
| Oregon |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Description
paying off a credit card asap
Purpose of loan:
This loan will be used to?
these funds that I receive from this loan will be to payoff my one capital one account that I just want to be done with and not have to make monthly payments anymore.? With some extra cash, I could pay done my student loan the I also have with no interest now.
My financial situation:
I am a good candidate for this loan because?
I have only this one credit card and are current with my mortgage payments and line of credit.
My spouse income is not included in my monthly income, but is used to pay all bills on a monthly bases.
Monthly net income: $
2200.00(me)? $3600.00 (spouse) ???? ????
Monthly expenses: $
??Housing: $
3000.
??Insurance: $
320.00
??Car expenses: $ 451.. ???
??Utilities: $
172
??Phone, cable, internet: $
134.
??Food, entertainment: $
0
??Clothing, household expenses $
140.
??Credit cards and other loans: $
250.
??Other expenses: $
320..
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
457965
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
|
Amount:
| $2,500.00 |
Prosper Rating:
| C |
Auction Duration:
| 7 days
|
|
Term:
| 36 months |
Estimated loss:
| 8.0% | | |
| | | |
|
|
Starting lender yield:
| 8.50% |
Starting borrower rate/APR:
| 9.50% / 11.60% |
Starting monthly payment:
| $80.08 |
| |
|
Auction yield range:
| 7.99% - 8.50% |
Estimated loss impact:
| 8.17% | | |
|
Lender servicing fee:
| 1.00% |
Estimated return:
| 0.33% | | |
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments 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-2006 |
Debt/Income ratio:
| Not calculated |
|
Basic (1-10):
| 8 |
Inquiries last 6m:
| 0 | Employment status: | Full-time employee |
| Enhanced (1-5): | 5 |
Current / open credit lines:
| 3
/
3 | Length of status: | 0y 0m |
|
Credit score:
| 720-739 (May-2010) |
Total credit lines:
| 7 |
Occupation: | Computer Programmer |
|
Now delinquent:
| 0 |
Revolving credit balance:
| $1,289 | Stated income: | $75,000-$99,999 |
|
Amount delinquent:
| $0 |
Bankcard utilization:
| 25% | | |
|
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| No | | |
|
Delinquencies in last 7y:
| 0 | | | | |
|
Screen name:
| market-lightning4 |
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
Moving Loan
I am graduating this Friday from Virginia Tech with a Bachelor of Science in Computer Engineering and minors in both Computer Science and Mathematics. I landed a position in NYC with a company called Bloomberg LP as a financial software developer. My start date is June 14th and I need some money to get a new apartment while I wait on my first paycheck (paid monthly) and my housing stipend.
My Net Income is: $85000/year and I have a housing stipend of $5000 coming on my first or second paycheck.
Additionally I have a guaranteed yearly bonus of at least $10,000 and a Graduation Party coming up where I expect to receive ~$2500
Please help me get a start to my career!
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
457967
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
|
Amount:
| $15,000.00 |
Prosper Rating:
| E |
Auction Duration:
| 7 days
|
|
Term:
| 36 months |
Estimated loss:
| 14.0% | | |
| | | |
|
|
Starting lender yield:
| 34.00% |
Starting borrower rate/APR:
| 35.00% / 37.45% |
Starting monthly payment:
| $678.54 |
| |
|
Auction yield range:
| 13.99% - 34.00% |
Estimated loss impact:
| 15.57% | | |
|
Lender servicing fee:
| 1.00% |
Estimated return:
| 18.43% | | |
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
|
Prosper scores:
| |
First credit line:
| Jun-1988 |
Debt/Income ratio:
| 23% |
|
Basic (1-10):
| 6 |
Inquiries last 6m:
| 1 | Employment status: | Full-time employee |
| Enhanced (1-5): | 5 |
Current / open credit lines:
| 18
/
18 | Length of status: | 10y 8m |
|
Credit score:
| 680-699 (May-2010) |
Total credit lines:
| 38 |
Occupation: | Military Officer |
|
Now delinquent:
| 0 |
Revolving credit balance:
| $16,057 | Stated income: | $100,000+ |
|
Amount delinquent:
| $0 |
Bankcard utilization:
| 62% | | |
|
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| Yes | | |
|
Delinquencies in last 7y:
| 9 | | | | |
|
Screen name:
| durability-merry-maker9 |
Borrower's state:
| Indiana |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Description
Business Startup Capital
I am currently a full time Active Duty Army Officer?with the rank of Lieutenant Colonel in the Indiana Army National.? I will be retiring in 6-8 years, which, at that time, I will retire at about 40% of my current income.? I am seeking funds to start business which I can grow and in 6-8 years replace the loss of income.? I have narrowed my business choices down to three, all of which are franchises, and all of which can be started on the Near Eastside of Indianapolis.
My financial situation:
This loan is in the high risk area because of delinquencies that appear on my credit report from 2004.? During the summer of 2004, I consolidated all my student loans to reduce the interest rate and payments.? However, the timing was not exact, and I became delinquent when the consolidation was approved, and implemented, a few days after the original loans were due.? Over the past few years, my wife and I have successfully paid off the debts from her previous marriage, as well as her student loans.? I have paid off several credit cards ($3K worth) and two student loans ($6K) prior to that.? With the exception of the delinquencies (there were 9 student loans), I have not been late on anything since 2003.? My net income, after all bills, utilities, savings, food, expenses for the kids is currently $2K per month.
I am willing to provide other information as needed.
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
457969
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
|
Amount:
| $12,000.00 |
Prosper Rating:
| D |
Auction Duration:
| 7 days
|
|
Term:
| 36 months |
Estimated loss:
| 10.0% | | |
| | | |
|
|
Starting lender yield:
| 27.39% |
Starting borrower rate/APR:
| 28.39% / 30.74% |
Starting monthly payment:
| $498.89 |
| |
|
Auction yield range:
| 10.99% - 27.39% |
Estimated loss impact:
| 10.68% | | |
|
Lender servicing fee:
| 1.00% |
Estimated return:
| 16.71% | | |
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
|
Prosper scores:
| |
First credit line:
| Jul-2001 |
Debt/Income ratio:
| 47% |
|
Basic (1-10):
| 6 |
Inquiries last 6m:
| 0 | Employment status: | Full-time employee |
| Enhanced (1-5): | 5 |
Current / open credit lines:
| 9
/
8 | Length of status: | 4y 4m |
|
Credit score:
| 700-719 (May-2010) |
Total credit lines:
| 26 |
Occupation: | Other |
|
Now delinquent:
| 0 |
Revolving credit balance:
| $3,829 | Stated income: | $25,000-$49,999 |
|
Amount delinquent:
| $0 |
Bankcard utilization:
| 40% | | |
|
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| No | | |
|
Delinquencies in last 7y:
| 0 | | | | |
|
Screen name:
| majestic-durability5 |
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
Getting HITCHED!!!
Purpose of loan:
Is to finance my wedding in August of 2010.
My financial situation:
I am a good candidate for this loan because my fiance will be disappointed if she doesn't get her dream wedding.
Monthly net income: $ 3000
Monthly expenses: $
1500
??Housing: $
0
??Insurance: $
0
??Car expenses: $ 890
??Utilities: $ 0
??Phone, cable, internet: $
0
??Food, entertainment: $ 250
??Clothing, household expenses $
0
??Credit cards and other loans: $
200
??Other expenses: $
160
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
457975
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
|
Amount:
| $6,000.00 |
Prosper Rating:
| HR |
Auction Duration:
| 7 days
|
|
Term:
| 36 months |
Estimated loss:
| 25.0% | | |
| | | |
|
|
Starting lender yield:
| 24.00% |
Starting borrower rate/APR:
| 25.00% / 27.31% |
Starting monthly payment:
| $238.56 |
| |
|
Auction yield range:
| 16.99% - 24.00% |
Estimated loss impact:
| 26.38% | | |
|
Lender servicing fee:
| 1.00% |
Estimated return:
| -2.38% | | |
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
|
Prosper scores:
| |
First credit line:
| Feb-1996 |
Debt/Income ratio:
| 18% |
|
Basic (1-10):
| 3 |
Inquiries last 6m:
| 4 | Employment status: | Full-time employee |
| Enhanced (1-5): | 4 |
Current / open credit lines:
| 21
/
11 | Length of status: | 0y 1m |
|
Credit score:
| 680-699 (May-2010) |
Total credit lines:
| 63 |
Occupation: | Police Officer/Corr... |
|
Now delinquent:
| 0 |
Revolving credit balance:
| $19,029 | Stated income: | $75,000-$99,999 |
|
Amount delinquent:
| $0 |
Bankcard utilization:
| 95% | | |
|
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| Yes | | |
|
Delinquencies in last 7y:
| 0 | | | | |
|
Screen name:
| useful-return3 |
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
Loan for upside car loan balance
Purpose of loan:
This loan will be used to eliminate a car loan and help to improve my debt to income ratio. The amount being asked for will cover the remaining balance of my current car loan (owe 28k, car worth 23k).? I will not be being a new vehicle as my new employer will provide a vehicle.
My financial situation:
I am a good candidate for this loan because I currently in the process of eliminating all debt and will lower the amount of monthly obligations by eliminating this vehicle loan.? I am responsible with my finances and expect to increase my annual income yearly at least for the next four or five years as I progress in my career.
Monthly net income: $
5600
Monthly expenses: $ 4850
??Housing: $
997
??Insurance: $
123
??Car expenses: $
1091 (including both vehicles, will be $511 once second vehicle sold)
??Utilities: $
180
??Phone, cable, internet: $
215
??Food, entertainment: $
400
??Clothing, household expenses $
100
??Credit cards and other loans: $ 675
??Other expenses: $ 350
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
457977
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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:
| 19.0% | | |
| | | |
|
|
Starting lender yield:
| 34.00% |
Starting borrower rate/APR:
| 35.00% / 37.45% |
Starting monthly payment:
| $113.09 |
| |
|
Auction yield range:
| 16.99% - 34.00% |
Estimated loss impact:
| 21.01% | | |
|
Lender servicing fee:
| 1.00% |
Estimated return:
| 12.99% | | |
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
|
Prosper scores:
| |
First credit line:
| Jul-2001 |
Debt/Income ratio:
| 37% |
|
Basic (1-10):
| 5 |
Inquiries last 6m:
| 0 | Employment status: | Full-time employee |
| Enhanced (1-5): | 2 |
Current / open credit lines:
| 10
/
7 | Length of status: | 5y 3m |
|
Credit score:
| 620-639 (May-2010) |
Total credit lines:
| 28 |
Occupation: | Other |
|
Now delinquent:
| 1 |
Revolving credit balance:
| $38,094 | Stated income: | $25,000-$49,999 |
|
Amount delinquent:
| $103 |
Bankcard utilization:
| 98% | | |
|
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| No | | |
|
Delinquencies in last 7y:
| 0 | | | | |
|
Screen name:
| jason1909 |
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:
| 34 ( 100% )
| 620-639 (Latest)
|
|
Principal borrowed:
| $6,500.00 | < 31 days late:
| 0
( 0% )
| 620-639
(Aug-2009)
660-679
(Jun-2007)
|
|
Principal balance:
| $449.90 |
31+ days late:
| 0
( 0% )
|
|
Total payments billed:
| 34 | | |
Description
New Puppy Veterinary Hospital Bill
Purpose of loan:
This loan will be used to pay for Veterinary hospital bills recently accrued for my newly adopted puppy Taco.??Taco was adopted from a local branch of our Humane Society on Saturday April 24th. ?In the coming days we started to notice that he wasn?t acting himself and was not being nearly as playful as he was when we brought him home.? On Wednesday April 28th, my girlfriend and I noticed that?Taco had thrown up excessively throughout the day while we were at work.? The following day, we took him to our local vet who could only give him a shot for hydration.? The lethargy, vomiting and diarrhea continued on Thursday the 29th and Friday the 30th.? On Saturday May 1st, we took?Taco to the Animal Hospital where he was quickly diagnosed with Parvo.? Parvo is a very serious virus that in some cases can kill small pups.? The vet told us that due to the fact that the virus is so contagious,?Taco would have to remain in the hospital indefinitely.? My girlfriend and I decided to allow them to keep?Taco for treatment.? On May 5th, after 5 days in the hospital, we were finally given the good news and were allowed to bring?Taco home.? Unfortunately, this was a very costly stay for?Taco and the bill quickly ran up to over $2000 in total.???At this point, it?s going to be very difficult for us to pay this balance in full in the next few months which is why I came here to request assistance from the kind people on prosper.? If needed or requested, I am willing to provide receipts for the entire hospital stay in an electronic format, fax format or mailed format?to anyone who requests them.? The very good news to come from this is that?Taco has steadily gotten better each day and is now getting back to his puppy form!
My financial situation:
I am a good candidate for this loan because?despite my HR rating, I am very responsible when it comes to paying my bills.? A look at my?payment history over the years will prove this. My score is HR because my debt to income ratio is higher than it should be due to purchases I have made over the years.? I?am on the verge of paying off another prosper loan on July 5th.? I have been current on each monthly payment and feel great knowing that I fulfilled my obligation to the people of prosper who helped me out tremendously.?
Monthly net household income: $3872
Monthly expenses:
Housing: $?735?
Insurance: $?80??
Car expenses: $?100??
Utilities: $?80??
Phone, cable, internet: $ 250??
Food, entertainment: $?300??
Clothing, household expenses $ 200??
Credit cards and other loans: $?600
Existing Prosper?Loan: $226.12?(Will be paid in full on 7/5/2010)?
Other expenses: $ 200?
Total after bills: $1100
Total after bills as of 7/5/2010: $1327
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
457983
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
|
Amount:
| $5,000.00 |
Prosper Rating:
| HR |
Auction Duration:
| 7 days
|
|
Term:
| 36 months |
Estimated loss:
| 18.0% | | |
| | | |
|
|
Starting lender yield:
| 34.00% |
Starting borrower rate/APR:
| 35.00% / 37.45% |
Starting monthly payment:
| $226.18 |
| |
|
Auction yield range:
| 16.99% - 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-1995 |
Debt/Income ratio:
| 24% |
|
Basic (1-10):
| 5 |
Inquiries last 6m:
| 0 | Employment status: | Full-time employee |
| Enhanced (1-5): | 5 |
Current / open credit lines:
| 5
/
5 | Length of status: | 4y 6m |
|
Credit score:
| 680-699 (May-2010) |
Total credit lines:
| 18 |
Occupation: | Professor |
|
Now delinquent:
| 0 |
Revolving credit balance:
| $334 | Stated income: | $50,000-$74,999 |
|
Amount delinquent:
| $0 |
Bankcard utilization:
| 86% | | |
|
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| No | | |
|
Delinquencies in last 7y:
| 7 | | | | |
|
Screen name:
| a-ore-glider |
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
My personal loan
This borrower was not required to write a description based on the listing's likelihood to fund.
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
457987
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
|
Amount:
| $5,000.00 |
Prosper Rating:
| HR |
Auction Duration:
| 7 days
|
|
Term:
| 36 months |
Estimated loss:
| 18.0% | | |
| | | |
|
|
Starting lender yield:
| 34.00% |
Starting borrower rate/APR:
| 35.00% / 37.45% |
Starting monthly payment:
| $226.18 |
| |
|
Auction yield range:
| 16.99% - 34.00% |
Estimated loss impact:
| 20.01% | | |
|
Lender servicing fee:
| 1.00% |
Estimated return:
| 13.99% | | |
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
|
Prosper scores:
| |
First credit line:
| Feb-2002 |
Debt/Income ratio:
| 16% |
|
Basic (1-10):
| 5 |
Inquiries last 6m:
| 3 | Employment status: | Full-time employee |
| Enhanced (1-5): | 3 |
Current / open credit lines:
| 13
/
10 | Length of status: | 5y 6m |
|
Credit score:
| 640-659 (May-2010) |
Total credit lines:
| 23 |
Occupation: | Sales - Retail |
|
Now delinquent:
| 0 |
Revolving credit balance:
| $24,919 | Stated income: | $75,000-$99,999 |
|
Amount delinquent:
| $0 |
Bankcard utilization:
| 96% | | |
|
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| Yes | | |
|
Delinquencies in last 7y:
| 0 | | | | |
|
Screen name:
| attractive-gain5 |
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 card
Purpose of loan:
This loan will be used to?
Pay for a home improvement. I must fix my electrical box as well as buy a new refrigerator
My financial situation:
I am a good candidate for this loan because? I always pay my debt and on time. My credit shows that I am never late with payments and have no delinquincies.I can pay this loan off within 18 months.
Monthly net income: $ 4300.00
Monthly expenses: $
??Housing: $ 800
??Insurance: $ 175
??Car expenses: $ 0
??Utilities: $ 135
??Phone, cable, internet: $?90
??Food, entertainment: $?200
??Clothing, household expenses $ 100
??Credit cards and other loans: $ 1300
??Other expenses: $ 0
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
457997
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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:
| A |
Auction Duration:
| 7 days
|
|
Term:
| 36 months |
Estimated loss:
| 2.1% | | |
| | | |
|
|
Starting lender yield:
| 9.20% |
Starting borrower rate/APR:
| 10.20% / 12.31% |
Starting monthly payment:
| $258.89 |
| |
|
Auction yield range:
| 3.99% - 9.20% |
Estimated loss impact:
| 2.12% | | |
|
Lender servicing fee:
| 1.00% |
Estimated return:
| 7.08% | | |
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
|
Prosper scores:
| |
First credit line:
| Oct-1998 |
Debt/Income ratio:
| 23% |
|
Basic (1-10):
| 9 |
Inquiries last 6m:
| 0 | Employment status: | Full-time employee |
| Enhanced (1-5): | 5 |
Current / open credit lines:
| 15
/
15 | Length of status: | 2y 6m |
|
Credit score:
| 780-799 (May-2010) |
Total credit lines:
| 39 |
Occupation: | Other |
|
Now delinquent:
| 0 |
Revolving credit balance:
| $1,929 | Stated income: | $75,000-$99,999 |
|
Amount delinquent:
| $0 |
Bankcard utilization:
| 3% | | |
|
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| No | | |
|
Delinquencies in last 7y:
| 0 | | | | |
|
Screen name:
| joyous-trade5 |
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
turnkey business opportunity
I am looking to purchase an existing turnkey condo cleaning business in another state with a high number of vacation rental condos that are frequently rented out, year round.? I am relocating there and will be hands on involved on a daily basis. The business was established in 1995 by an individual who has grown it substantially but is now looking to retire. I have experience in sales and operations of a 60 million dollar pharmaceutical company and also have established several side businesses of my own.? I would like to purchase the business because it is the opportunity for me to own a small business, use my sales skills to additionally grow the business, and use my operational skills to manage the business on a daily basis.?
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
458003
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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:
| 20.00% |
Starting borrower rate/APR:
| 21.00% / 23.25% |
Starting monthly payment:
| $226.05 |
| |
|
Auction yield range:
| 10.99% - 20.00% |
Estimated loss impact:
| 10.48% | | |
|
Lender servicing fee:
| 1.00% |
Estimated return:
| 9.52% | | |
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments 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-1982 |
Debt/Income ratio:
| 23% |
|
Basic (1-10):
| 8 |
Inquiries last 6m:
| 0 | Employment status: | Full-time employee |
| Enhanced (1-5): | 4 |
Current / open credit lines:
| 13
/
11 | Length of status: | 12y 10m |
|
Credit score:
| 660-679 (May-2010) |
Total credit lines:
| 23 |
Occupation: | Other |
|
Now delinquent:
| 0 |
Revolving credit balance:
| $128,688 | Stated income: | $50,000-$74,999 |
|
Amount delinquent:
| $0 |
Bankcard utilization:
| 95% | | |
|
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| Yes | | |
|
Delinquencies in last 7y:
| 0 | | | | |
|
Screen name:
| leverage-pro1 |
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
Refinance Credit Cards
Purpose of loan:
This loan will be used to? Pay off High-Rate credit?card debt.?
My financial situation:
I am a good candidate for this loan because I have no delinquencies and no problems paying on the higher rate - it's just I'd rather pay you than Chase!? My second mortgage has been included?in my?revolving balances, which is part of what's lowering my credit score right now.? I pay my bills on time, every time, but I did?go over my limit on my?credit card last year, which caused them to raise the rate.? I will pay off this loan as contracted, no question.
Monthly net income: $ 4100
Monthly expenses: $
??Housing: $ 1300
??Insurance: $ 100
??Car expenses: $ 500
??Utilities: $ 150
??Phone, cable, internet: $ 100
??Food, entertainment: $ 300
??Clothing, household expenses $?100
??Credit cards and other loans: $ 1400
??Other expenses: $ 50
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
458005
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
|
Amount:
| $2,000.00 |
Prosper Rating:
| D |
Auction Duration:
| 7 days
|
|
Term:
| 36 months |
Estimated loss:
| 10.0% | | |
| | | |
|
|
Starting lender yield:
| 25.39% |
Starting borrower rate/APR:
| 26.39% / 28.72% |
Starting monthly payment:
| $81.00 |
| |
|
Auction yield range:
| 10.99% - 25.39% |
Estimated loss impact:
| 10.63% | | |
|
Lender servicing fee:
| 1.00% |
Estimated return:
| 14.76% | | |
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments 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-1995 |
Debt/Income ratio:
| Not calculated |
|
Basic (1-10):
| 8 |
Inquiries last 6m:
| 0 | Employment status: | Full-time employee |
| Enhanced (1-5): | 3 |
Current / open credit lines:
| 26
/
24 | Length of status: | 11y 7m |
|
Credit score:
| 640-659 (Apr-2010) |
Total credit lines:
| 42 |
Occupation: | Teacher |
|
Now delinquent:
| 0 |
Revolving credit balance:
| $40,555 | Stated income: | $50,000-$74,999 |
|
Amount delinquent:
| $0 |
Bankcard utilization:
| 95% | | |
|
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| Yes | | |
|
Delinquencies in last 7y:
| 0 | | | | |
|
Screen name:
| genuine-fund8 |
Borrower's state:
| NewMexico |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Description
Paying Off a High Interest Card
Purpose of loan:
I?will use this money to?pay off a high interest?credit card debt. Seeing the balance of card with a fixed interest rate and an ending date to pay if is just more sensible.
My financial situation:
I am a good candidate for this loan because I have a good steady income and also have additional income from coaching high school althetics that is not listed. My wife also works and that income is also not listed.
Monthly net income: $
2780.00
Monthly expenses: $
??Housing: $ 507
??Insurance: $ 145
??Car expenses: $?500
??Utilities: $ 175
??Phone, cable, internet: $90
??Food, entertainment: $ 300
??Clothing, household expenses $150
??Credit cards and other loans: $ 800
??Other expenses: $ 100
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
458009
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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:
| 26.39% |
Starting borrower rate/APR:
| 27.39% / 29.73% |
Starting monthly payment:
| $205.17 |
| |
|
Auction yield range:
| 10.99% - 26.39% |
Estimated loss impact:
| 10.66% | | |
|
Lender servicing fee:
| 1.00% |
Estimated return:
| 15.73% | | |
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-2000 |
Debt/Income ratio:
| 67% |
|
Basic (1-10):
| 7 |
Inquiries last 6m:
| 1 | Employment status: | Full-time employee |
| Enhanced (1-5): | 3 |
Current / open credit lines:
| 13
/
13 | Length of status: | 3y 9m |
|
Credit score:
| 640-659 (May-2010) |
Total credit lines:
| 44 |
Occupation: | Teacher |
|
Now delinquent:
| 0 |
Revolving credit balance:
| $16,277 | Stated income: | $25,000-$49,999 |
|
Amount delinquent:
| $0 |
Bankcard utilization:
| 86% | | |
|
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| No | | |
|
Delinquencies in last 7y:
| 0 | | | | |
|
Screen name:
| blue-adorable-funds |
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 for a small wedding
Purpose of loan:
This loan will be used to pay for our upcoming wedding.
My financial situation:
I am a good candidate for this loan because I have stable work and I'm very good with budgeting.
Monthly net income: $ 2800
Monthly expenses: $
??Housing: $ 0
??Insurance: $ 0
??Car expenses: $ 489
??Utilities: $ 100
??Phone, cable, internet: $ 60
??Food, entertainment: $ 100
??Clothing, household expenses $ 50
??Credit cards and other loans: $ 400
??Other expenses: $
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
458013
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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:
| 16.99% |
Starting borrower rate/APR:
| 17.99% / 20.20% |
Starting monthly payment:
| $903.68 |
| |
|
Auction yield range:
| 16.99% - 16.99% |
Estimated loss impact:
| 18.94% | | |
|
Lender servicing fee:
| 1.00% |
Estimated return:
| -1.95% | | |
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
|
Prosper scores:
| |
First credit line:
| Sep-2001 |
Debt/Income ratio:
| 17% |
|
Basic (1-10):
| 5 |
Inquiries last 6m:
| 1 | Employment status: | Part-time employee |
| Enhanced (1-5): | 5 |
Current / open credit lines:
| 2
/
2 | Length of status: | 0y 3m |
|
Credit score:
| 740-759 (May-2010) |
Total credit lines:
| 9 |
Occupation: | Other |
|
Now delinquent:
| 0 |
Revolving credit balance:
| $6,400 | Stated income: | $50,000-$74,999 |
|
Amount delinquent:
| $0 |
Bankcard utilization:
| 35% | | |
|
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| No | | |
|
Delinquencies in last 7y:
| 0 | | | | |
|
Screen name:
| leverage-circuit6 |
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
Carousel Hair Appliances & Products
Purpose of loan:
Carousel Strands is a start up challenger brand ready to take over the
hair appliance & product industry by combining salon quality tools
with travel friendly features and "hair repair" treatment products. We
need money in order to purchase inventory, finalize package design and
pay our shipping fulfillment company.
My financial situation: I work as a part-time PR consultant for Brightkite, a tech company located in Burlingame, CA.? I make $50/hour, averaging $5,000/mo for about 12 hours of work.
Monthly net income: $
5,000
Monthly expenses: $
1,700
??Housing: $
1,000
??Insurance: $
100
??Car expenses: $
0
??Utilities: $ 30
??Phone, cable, internet: $
70
??Food, entertainment: $
300
??Clothing, household expenses $ 0
??Credit cards and other loans: $
100
??Other expenses: $
0
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
458017
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
|
Amount:
| $20,000.00 |
Prosper Rating:
| C |
Auction Duration:
| 7 days
|
|
Term:
| 36 months |
Estimated loss:
| 8.5% | | |
| | | |
|
|
Starting lender yield:
| 7.99% |
Starting borrower rate/APR:
| 8.99% / 11.08% |
Starting monthly payment:
| $635.90 |
| |
|
Auction yield range:
| 7.99% - 7.99% |
Estimated loss impact:
| 8.66% | | |
|
Lender servicing fee:
| 1.00% |
Estimated return:
| -0.67% | | |
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments 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-2004 |
Debt/Income ratio:
| 24% |
|
Basic (1-10):
| 4 |
Inquiries last 6m:
| 0 | Employment status: | Full-time employee |
| Enhanced (1-5): | 5 |
Current / open credit lines:
| 10
/
10 | Length of status: | 2y 3m |
|
Credit score:
| 760-779 (Apr-2010) |
Total credit lines:
| 14 |
Occupation: | Analyst |
|
Now delinquent:
| 0 |
Revolving credit balance:
| $2,099 | Stated income: | $50,000-$74,999 |
|
Amount delinquent:
| $0 |
Bankcard utilization:
| 13% | | |
|
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| Yes | | |
|
Delinquencies in last 7y:
| 4 | | | | |
|
Screen name:
| brightest-supreme-wealth |
Borrower's state:
| Georgia |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Description
Fund My Dream....
Purpose of loan:
This loan will be used to help me realize my dream of purchasing my first investment property. I will use this loan to purchase and renovate a foreclosed home in metro Atlanta.
For months, I have avidly searched for a property within my price range and I recently found the perfect property. I'm a huge fan of micro-lending and I wanted to see if the people of Prosper will allow me to fund my dream. Please feel free to ask any questions.
My financial situation:
I am a good candidate for this loan because I take minimal risks and carefully analyze all decisions before I make them. I do not have a high debt-to-income ratio. I have a full-time job and I also do freelance consulting. Therefore, I feel that by having two income streams I could repay that amount that I borrowed well within the 3 year repayment time frame even if my real estate venture is not successful. I also have a considerable amount of monthly disposable income, so that I feel that I can easily fulfill my monthly debt repayment obligations.
Here's a rough breakdown of my monthly income and expenses:
Net Income:
- Full-time Job: $3600
- Freelance Consulting: $1000-1300
Expenses:
- Mortgage: $1200 * min payment is only $1100, but I pay at least an additional $100 monthly towards my principal
- Utilities (Electric/Water/Sewage): $150
- Revolving Debt (Chain Furniture Store): $100 *min payment is only $50, but I pay $100
- Telephone/Cable/Internet: $150
- Cell Phone: $110
- Car Payment: $350 * I pay an extra $25 monthly
- Food/Entertainment: $350
- Misc : $125
- Car Insurance: $115
- Savings: $500
**Please note:The 4 delinquencies on my credit report are related to a recent gym membership that I canceled. I did my due diligence and submitted the necessary documentation to cancel the family gym membership that I had, however the gym that's based in Norwalk, CA claimed that they never received my cancellation notice nor the required documentation. After rounds of emails, phone calls, and letters the gym persisted in charging my debit card. Therefore, I canceled my debit card and submitted a letter to them explaining why I refused to pay. The gym then reported my lack of payment to credit reporting agencies. I disputed the charges and a few weeks ago I received notice that they wrote of the alleged "debt". I am still disputing the delinquency claim, because I believe that I fulfilled my contractual obligations and submitted the necessary paperwork. I have never been delinquent in any debt repayments and I'm working to clear this from my credit report.
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
458019
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
|
Amount:
| $1,500.00 |
Prosper Rating:
| C |
Auction Duration:
| 7 days
|
|
Term:
| 36 months |
Estimated loss:
| 6.5% | | |
| | | |
|
|
Starting lender yield:
| 19.07% |
Starting borrower rate/APR:
| 20.07% / 22.56% |
Starting monthly payment:
| $55.80 |
| |
|
Auction yield range:
| 7.99% - 19.07% |
Estimated loss impact:
| 6.94% | | |
|
Lender servicing fee:
| 1.00% |
Estimated return:
| 12.13% | | |
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:
| Sep-1979 |
Debt/Income ratio:
| 42% |
|
Basic (1-10):
| 10 |
Inquiries last 6m:
| 0 | Employment status: | Retired |
| Enhanced (1-5): | 2 |
Current / open credit lines:
| 23
/
14 | Length of status: | 7y 11m |
|
Credit score:
| 680-699 (May-2010) |
Total credit lines:
| 54 | Stated income: | $50,000-$74,999 |
|
Now delinquent:
| 0 |
Revolving credit balance:
| $164,734 | |
|
Amount delinquent:
| $0 |
Bankcard utilization:
| 91% | | |
|
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| Yes | | |
|
Delinquencies in last 7y:
| 2 | | | | |
|
Screen name:
| portages |
Borrower's state:
| Michigan |
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:
| 19 ( 100% )
| 680-699 (Latest)
|
|
Principal borrowed:
| $3,500.00 | < 31 days late:
| 0
( 0% )
| 680-699
(Mar-2010)
700-719
(Sep-2008)
680-699
(Aug-2008)
|
|
Principal balance:
| $1,961.79 |
31+ days late:
| 0
( 0% )
|
|
Total payments billed:
| 19 | | |
Description
Interior Home Imp. and Repair
Purpose of loan:
This loan will be used to? continue with some minor projects involved with my home as well as taking? advantage of securing a new computer to accomodate the new versions of browsers and security - a marked advancement from the 98 second edition I am operating on now.
My financial situation:
I am a good candidate for this loan because? I have a long history of servicing debt? in a timely? manner.
Monthly net income: $ 54,000
Monthly expenses: $
??Housing: $?1228
??Insurance: $?600
??Car expenses: $ 125
??Utilities: $?225
??Phone, cable, internet: $ 125
??Food, entertainment: $ 400
??Clothing, household expenses $ 350
??Credit cards and other loans: $
??Other expenses: $
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
458021
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
|
Amount:
| $5,000.00 |
Prosper Rating:
| HR |
Auction Duration:
| 7 days
|
|
Term:
| 36 months |
Estimated loss:
| 18.0% | | |
| | | |
|
|
Starting lender yield:
| 34.00% |
Starting borrower rate/APR:
| 35.00% / 37.45% |
Starting monthly payment:
| $226.18 |
| |
|
Auction yield range:
| 16.99% - 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:
| 19% |
|
Basic (1-10):
| 5 |
Inquiries last 6m:
| 5 | Employment status: | Full-time employee |
| Enhanced (1-5): | 2 |
Current / open credit lines:
| 16
/
13 | Length of status: | 3y 11m |
|
Credit score:
| 660-679 (May-2010) |
Total credit lines:
| 36 |
Occupation: | Administrative Assi... |
|
Now delinquent:
| 0 |
Revolving credit balance:
| $15,625 | Stated income: | $50,000-$74,999 |
|
Amount delinquent:
| $0 |
Bankcard utilization:
| 63% | | |
|
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| No | | |
|
Delinquencies in last 7y:
| 0 | | | | |
|
Screen name:
| capital-gala |
Borrower's state:
| NewYork |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Description
My personal loan for my education
This borrower was not required to write a description based on the listing's likelihood to fund.
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
458023
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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:
| 16.99% |
Starting borrower rate/APR:
| 17.99% / 20.20% |
Starting monthly payment:
| $361.47 |
| |
|
Auction yield range:
| 16.99% - 16.99% |
Estimated loss impact:
| 25.94% | | |
|
Lender servicing fee:
| 1.00% |
Estimated return:
| -8.95% | | |
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
|
Prosper scores:
| |
First credit line:
| Feb-1999 |
Debt/Income ratio:
| 30% |
|
Basic (1-10):
| 2 |
Inquiries last 6m:
| 10 | Employment status: | Full-time employee |
| Enhanced (1-5): | 2 |
Current / open credit lines:
| 12
/
11 | Length of status: | 3y 4m |
|
Credit score:
| 660-679 (May-2010) |
Total credit lines:
| 21 |
Occupation: | Teacher |
|
Now delinquent:
| 0 |
Revolving credit balance:
| $19,181 | Stated income: | $50,000-$74,999 |
|
Amount delinquent:
| $0 |
Bankcard utilization:
| 69% | | |
|
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| Yes | | |
|
Delinquencies in last 7y:
| 0 | | | | |
|
Screen name:
| creative-cash2 |
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
Debt Consolidation
Purpose of loan:
This loan will be used to?
Consolidate all credit cards into one lower payment.
My financial situation:
I am a good candidate for this loan because?I pay my bills ontime always?,and I?have dependable income from a business I built myself.??I'm a student finishing my degree, and a mom of 3. I have managed so far to pay everything . This loan would help give a little breathing room if I consolidate and I won't?have to send out so many checks each month.???
Monthly net income: $ 5100.00
Monthly expenses: $
??Housing: $ 1400
??Insurance: $?
??Car expenses: $?250
??Utilities: $ 300
??Phone, cable, internet: $350
??Food, entertainment: $ 1000
??Clothing, household expenses $
??Credit cards and other loans: $ 1500 approx
??Other expenses: $ 400
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
458025
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
|
Amount:
| $20,000.00 |
Prosper Rating:
| C |
Auction Duration:
| 7 days
|
|
Term:
| 36 months |
Estimated loss:
| 8.5% | | |
| | | |
|
|
Starting lender yield:
| 9.00% |
Starting borrower rate/APR:
| 10.00% / 12.11% |
Starting monthly payment:
| $645.34 |
| |
|
Auction yield range:
| 7.99% - 9.00% |
Estimated loss impact:
| 8.68% | | |
|
Lender servicing fee:
| 1.00% |
Estimated return:
| 0.32% | | |
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:
| Jul-1983 |
Debt/Income ratio:
| 20% |
|
Basic (1-10):
| 5 |
Inquiries last 6m:
| 3 | Employment status: | Full-time employee |
| Enhanced (1-5): | 4 |
Current / open credit lines:
| 29
/
20 | Length of status: | 12y 7m |
|
Credit score:
| 780-799 (May-2010) |
Total credit lines:
| 65 |
Occupation: | Other |
|
Now delinquent:
| 0 |
Revolving credit balance:
| $16,703 | Stated income: | $100,000+ |
|
Amount delinquent:
| $0 |
Bankcard utilization:
| 27% | | |
|
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| Yes | | |
|
Delinquencies in last 7y:
| 0 | | | | |
|
Screen name:
| wise-finance-voyage |
Borrower's state:
| NewJersey |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Description
paying off my credit cards
Purpose of loan:
This loan will be used to? to pay off my credit cards
My financial situation:
I am a good candidate for this loan because?
Monthly net income: $ 12,000
Monthly expenses: $
??Housing: $ 4,000
??Insurance: $ 1,000
??Car expenses: $ 529
??Utilities: $ 350
??Phone, cable, internet: $ 117
??Food, entertainment: $ 1,200
??Clothing, household expenses $ 1,000
??Credit cards and other loans: $ 1,000
??Other expenses: $ 300
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
458027
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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:
| B |
Auction Duration:
| 7 days
|
|
Term:
| 36 months |
Estimated loss:
| 5.0% | | |
| | | |
|
|
Starting lender yield:
| 13.85% |
Starting borrower rate/APR:
| 14.85% / 17.02% |
Starting monthly payment:
| $311.33 |
| |
|
Auction yield range:
| 5.99% - 13.85% |
Estimated loss impact:
| 5.23% | | |
|
Lender servicing fee:
| 1.00% |
Estimated return:
| 8.62% | | |
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
|
Prosper scores:
| |
First credit line:
| Jul-1998 |
Debt/Income ratio:
| 31% |
|
Basic (1-10):
| 8 |
Inquiries last 6m:
| 2 | Employment status: | Full-time employee |
| Enhanced (1-5): | 4 |
Current / open credit lines:
| 10
/
6 | Length of status: | 2y 2m |
|
Credit score:
| 740-759 (May-2010) |
Total credit lines:
| 22 |
Occupation: | Analyst |
|
Now delinquent:
| 0 |
Revolving credit balance:
| $23,059 | Stated income: | $50,000-$74,999 |
|
Amount delinquent:
| $0 |
Bankcard utilization:
| 50% | | |
|
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| Yes | | |
|
Delinquencies in last 7y:
| 0 | | | | |
|
Screen name:
| youthful-greenback7 |
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
Startup capital for business
Purpose:Start-up
Expenses, Initial Training and On-going Support for Franchise Consulting
BusinessInitial
3-day training, accommodations, ongoing training materials, seminars, website,
spouse training, referral network membership and many additional support and
advancement opportunitiesOur
goal is to be debt free of everything but our home in the next 2 years, and
free and clear on our primary residence, in 7 to 10 years. Via this business,
other p/t ventures of my wife?s professional career, and disciplined fiscal
practices, we?ll reach goal.
Monthly net income: $5500
Monthly expenses:
??Housing: $1700
??Insurance: $80
??Car expenses: $600
??Utilities: $150
??Phone, cable, internet: $60
??Food, entertainment: $225
??Clothing, household: $75
??Credit cards & other loans: $900
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
458031
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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:
| B |
Auction Duration:
| 7 days
|
|
Term:
| 36 months |
Estimated loss:
| 5.0% | | |
| | | |
|
|
Starting lender yield:
| 12.85% |
Starting borrower rate/APR:
| 13.85% / 16.01% |
Starting monthly payment:
| $238.73 |
| |
|
Auction yield range:
| 5.99% - 12.85% |
Estimated loss impact:
| 5.21% | | |
|
Lender servicing fee:
| 1.00% |
Estimated return:
| 7.64% | | |
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
|
Prosper scores:
| |
First credit line:
| Apr-1999 |
Debt/Income ratio:
| 8% |
|
Basic (1-10):
| 8 |
Inquiries last 6m:
| 1 | Employment status: | Full-time employee |
| Enhanced (1-5): | 5 |
Current / open credit lines:
| 4
/
4 | Length of status: | 14y 11m |
|
Credit score:
| 740-759 (May-2010) |
Total credit lines:
| 13 |
Occupation: | Laborer |
|
Now delinquent:
| 0 |
Revolving credit balance:
| $5,988 | Stated income: | $50,000-$74,999 |
|
Amount delinquent:
| $0 |
Bankcard utilization:
| 29% | | |
|
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| No | | |
|
Delinquencies in last 7y:
| 0 | | | | |
|
Screen name:
| unrelenting-investment |
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
My personal loan
This borrower was not required to write a description based on the listing's likelihood to fund.
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
458035
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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:
| 34.5% | | |
| | | |
|
|
Starting lender yield:
| 24.00% |
Starting borrower rate/APR:
| 25.00% / 27.31% |
Starting monthly payment:
| $994.00 |
| |
|
Auction yield range:
| 16.99% - 24.00% |
Estimated loss impact:
| 35.88% | | |
|
Lender servicing fee:
| 1.00% |
Estimated return:
| -11.88% | | |
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
|
Prosper scores:
| |
First credit line:
| Dec-1992 |
Debt/Income ratio:
| 94% |
|
Basic (1-10):
| 1 |
Inquiries last 6m:
| 3 | Employment status: | Full-time employee |
| Enhanced (1-5): | 1 |
Current / open credit lines:
| 10
/
9 | Length of status: | 1y 0m |
|
Credit score:
| 640-659 (May-2010) |
Total credit lines:
| 34 |
Occupation: | Skilled Labor |
|
Now delinquent:
| 1 |
Revolving credit balance:
| $19,923 | Stated income: | $25,000-$49,999 |
|
Amount delinquent:
| $1,685 |
Bankcard utilization:
| 26% | | |
|
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| No | | |
|
Delinquencies in last 7y:
| 0 | | | | |
|
Screen name:
| funds-starter8 |
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
Consolidate Bills help!
Purpose of loan:
This loan will be used to?
I need a loan so that I can consolidate all my
debt into one monthly payment. I have several small credit cards and the
balances never seem to go down. I feel if I have one payment each month I have
a chance of actually seen the balance drop. I can manage my monthly expense
easier and more efficient with one payment.
My financial situation:
I am a good candidate for this loan because?
I would be a good candidate because I have
always honored all my obligations I have made. I have a good sable income and I
moved in with my parents so I can get on track with my debt. My wife was laid
off at the beginning of there year and before here lay off her pay was cut. I
have made several changes to our life style to live within our means. I have
never not paid a debt I have made.
Monthly net income: $
3000.
Monthly expenses: $
??Housing: $
200 ????
??Insurance: $
140
??Car expenses: $
555
??Utilities: $
0
??Phone, cable, internet: $
68
??Food, entertainment: $
200
??Clothing, household expenses $
200
??Credit cards and other loans: $
1350
??Other expenses: $
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
458039
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
|
Amount:
| $3,500.00 |
Prosper Rating:
| HR |
Auction Duration:
| 7 days
|
|
Term:
| 36 months |
Estimated loss:
| 18.0% | | |
| | | |
|
|
Starting lender yield:
| 34.00% |
Starting borrower rate/APR:
| 35.00% / 37.45% |
Starting monthly payment:
| $158.33 |
| |
|
Auction yield range:
| 16.99% - 34.00% |
Estimated loss impact:
| 20.01% | | |
|
Lender servicing fee:
| 1.00% |
Estimated return:
| 13.99% | | |
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
|
Prosper scores:
| |
First credit line:
| Jan-1987 |
Debt/Income ratio:
| Not calculated |
|
Basic (1-10):
| 4 |
Inquiries last 6m:
| 1 | Employment status: | Not employed |
| Enhanced (1-5): | 4 |
Current / open credit lines:
| 1
/
1 | Length of status: | 1y 3m |
|
Credit score:
| 660-679 (May-2010) |
Total credit lines:
| 23 | Stated income: | Not employed |
|
Now delinquent:
| 0 |
Revolving credit balance:
| $3,993 | |
|
Amount delinquent:
| $0 |
Bankcard utilization:
| 99% | | |
|
Public records last 12m / 10y:
| 0/ 1 |
Homeownership:
| No | | |
|
Delinquencies in last 7y:
| 10 | | | | |
|
Screen name:
| transparent-interest7 |
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
Looking for a bridge style loan
Purpose of loan:
This loan will be used to? help ?bridge? my family over until we receive my lump sum back payments from Social Security disability expected in the next few months. The loan would help cover repair and maintenance items on two cars, as well as any temporary living expense shortfall and other clothing and miscellaneous expenses over the next few months. Extended family had helped us scratch our way through most of the time my disability case was pending. But that small resource has been drying up. We?re now coming to a financial bottle neck, especially in the next 2 - 3 months. The back-payments amount to about $9000 net after deducting for legal representation., but these funds are not expected to arrive until about August or September of this year. My family has been devastated by my intermittent health problems over the past 14 years. Doctors took from 2002-2008 to finally and properly diagnose me. I continued to struggle to work at my job of over 20 years until early 2009 when it became no longer possible. It is not a life-threatening disease, just a quality-of- life robbing disease. My ongoing medical expenditures are not significant since there is not much known about the disease and not much that can be done medically about it at this time. I anticipate paying this loan off early if I get approval , though I know that might hurt my chances. Hopefully, a high interest rate will be enough to compensate those investors who thoughtfully consider funding this loan request to help me and my family.
My financial situation:
I am a good candidate for this loan because?
My household income is sufficient to support the payments. I take my financial oobligations seriously and pride myself in being a person of honesty and integrity.
Monthly net income: $ 3300
Monthly expenses: $ 2410
??Housing: $ 1150
??Insurance: $ 135
??Car expenses: $ 100
??Utilities: $ 175
??Phone, cable, internet: $ 200
??Food, entertainment: $ 400
??Clothing, household expenses $ 100
??Credit cards and other loans: $ 100
??Other expenses: $ 50
My financial situation:
I am a good candidate for this loan because?
My household income is sufficient to support the payments. I take my financial oobligations seriously and pride myself in being a person of honesty and integrity.
Monthly net income: $ 3300
Monthly expenses: $ 2410
??Housing: $ 1150
??Insurance: $ 135
??Car expenses: $ 100
??Utilities: $ 175
??Phone, cable, internet: $ 200
??Food, entertainment: $ 400
??Clothing, household expenses $ 100
??Credit cards and other loans: $ 100
??Other expenses: $ 50
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
458045
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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:
| 34.5% | | |
| | | |
|
|
Starting lender yield:
| 34.00% |
Starting borrower rate/APR:
| 35.00% / 37.45% |
Starting monthly payment:
| $361.89 |
| |
|
Auction yield range:
| 16.99% - 34.00% |
Estimated loss impact:
| 36.51% | | |
|
Lender servicing fee:
| 1.00% |
Estimated return:
| -2.51% | | |
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
|
Prosper scores:
| |
First credit line:
| Oct-1995 |
Debt/Income ratio:
| Self-employed (DTI Not Calculated) |
|
Basic (1-10):
| 1 |
Inquiries last 6m:
| 0 | Employment status: | Self-employed |
| Enhanced (1-5): | 4 |
Current / open credit lines:
| 3
/
3 | Length of status: | 6y 7m |
|
Credit score:
| 720-739 (May-2010) |
Total credit lines:
| 12 |
Occupation: | Sales - Retail |
|
Now delinquent:
| 1 |
Revolving credit balance:
| $175 | Stated income: | $25,000-$49,999 |
|
Amount delinquent:
| $641 |
Bankcard utilization:
| 0% | | |
|
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| No | | |
|
Delinquencies in last 7y:
| 0 | | | | |
|
Screen name:
| 007Hawaii |
Borrower's state:
| Washington |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Description
kitchen upgrade
Purpose of loan:
This loan will be used to upgrade my kitchen which has needed it for a long time but I have just never had the extra money to do it.?
My financial situation:
I am a good candidate for this loan because I have no problem paying it back on a monthly basis.
Monthly net income: $3,870
Monthly expenses: $ 2,488
??Housing: $ 1500
??Insurance: $ 68
??Car expenses: $ 100
??Utilities: $ 75
??Phone, cable, internet: $ 45
??Food, entertainment: $ 400
??Clothing, household expenses $ 100
??Credit cards and other loans: $ 50
??Other expenses: $ 150
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
458051
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
|
Amount:
| $2,000.00 |
Prosper Rating:
| E |
Auction Duration:
| 7 days
|
|
Term:
| 36 months |
Estimated loss:
| 14.7% | | |
| | | |
|
|
Starting lender yield:
| 29.00% |
Starting borrower rate/APR:
| 30.00% / 32.38% |
Starting monthly payment:
| $84.90 |
| |
|
Auction yield range:
| 13.99% - 29.00% |
Estimated loss impact:
| 16.03% | | |
|
Lender servicing fee:
| 1.00% |
Estimated return:
| 12.97% | | |
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
|
Prosper scores:
| |
First credit line:
| Mar-2001 |
Debt/Income ratio:
| 33% |
|
Basic (1-10):
| 9 |
Inquiries last 6m:
| 1 | Employment status: | Full-time employee |
| Enhanced (1-5): | 3 |
Current / open credit lines:
| 11
/
8 | Length of status: | 3y 2m |
|
Credit score:
| 600-619 (May-2010) |
Total credit lines:
| 29 |
Occupation: | Clerical |
|
Now delinquent:
| 0 |
Revolving credit balance:
| $8,227 | Stated income: | $25,000-$49,999 |
|
Amount delinquent:
| $0 |
Bankcard utilization:
| 81% | | |
|
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| No | | |
|
Delinquencies in last 7y:
| 3 | | | | |
|
Screen name:
| lady827 |
Borrower's state:
| Minnesota |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
| Loan history | Payment history | Credit score history |
|
Active / total loans:
| 1 / 1 |
On-time:
| 30 ( 100% )
| 600-619 (Latest)
|
|
Principal borrowed:
| $4,000.00 | < 31 days late:
| 0
( 0% )
| 620-639
(Oct-2007)
|
|
Principal balance:
| $821.00 |
31+ days late:
| 0
( 0% )
|
|
Total payments billed:
| 30 | | |
Description
Borrowing for the new baby
Purpose of loan:
This loan will be used to prepare?for the birth of our new baby.?
My financial situation:
I am a good candidate for this loan because I always pay back what I owe. I'm never late, as you can see from my other prosper loan.
Monthly net income: $ 2400
Monthly expenses: $
??Housing: $ 1200 (split with husband and husband's sister, so $400 each)
??Insurance: $ 23 per month
??Car expenses: $ 200 per month, which will be paid off in December 2010.
??Utilities: $ 150
??Phone, cable, internet: $ 160 (split with husband so $80 each)
??Food, entertainment: $?300 (split 3 ways, $100 each)
??Clothing, household expenses $?100
??Credit cards and other loans: $?600
??Other expenses: $ 150
? Total: $1803.00
? Left to pay off loan: $597
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
458053
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
|
Amount:
| $4,750.00 |
Prosper Rating:
| A |
Auction Duration:
| 7 days
|
|
Term:
| 36 months |
Estimated loss:
| 2.1% | | |
| | | |
|
|
Starting lender yield:
| 8.20% |
Starting borrower rate/APR:
| 9.20% / 11.30% |
Starting monthly payment:
| $151.49 |
| |
|
Auction yield range:
| 3.99% - 8.20% |
Estimated loss impact:
| 2.12% | | |
|
Lender servicing fee:
| 1.00% |
Estimated return:
| 6.08% | | |
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
|
Prosper scores:
| |
First credit line:
| Aug-1996 |
Debt/Income ratio:
| 17% |
|
Basic (1-10):
| 9 |
Inquiries last 6m:
| 1 | Employment status: | Full-time employee |
| Enhanced (1-5): | 5 |
Current / open credit lines:
| 13
/
13 | Length of status: | 8y 11m |
|
Credit score:
| 740-759 (May-2010) |
Total credit lines:
| 37 |
Occupation: | Accountant/CPA |
|
Now delinquent:
| 0 |
Revolving credit balance:
| $37,923 | Stated income: | $100,000+ |
|
Amount delinquent:
| $0 |
Bankcard utilization:
| 56% | | |
|
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| Yes | | |
|
Delinquencies in last 7y:
| 0 | | | | |
|
Screen name:
| worth-communicator7 |
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
Pay off credit cards
Purpose of loan:
This loan will be used to consolidate higher interest rate credit cards from?Citibank (14.99%)?and Bank of America (17.99%)
My financial situation:
I am a good candidate for this loan because I make enough money to repay the debt and have never missed a payment.? My current FICO score is 745.
I currently take home $500 in excess of expenses each month.? The new credit card legislation caused?the?interest rates to?increase by over 50%?on two accounts, thus I would like to secure a loan to pay them off faster.? The debt was incurred as a result of putting myself through college with no family financial support.
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
458057
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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:
| 16.99% - 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-1998 |
Debt/Income ratio:
| 8% |
|
Basic (1-10):
| 3 |
Inquiries last 6m:
| 2 | Employment status: | Full-time employee |
| Enhanced (1-5): | 4 |
Current / open credit lines:
| 4
/
4 | Length of status: | 27y 11m |
|
Credit score:
| 700-719 (May-2010) |
Total credit lines:
| 38 |
Occupation: | Executive |
|
Now delinquent:
| 0 |
Revolving credit balance:
| $4,124 | Stated income: | $100,000+ |
|
Amount delinquent:
| $0 |
Bankcard utilization:
| 99% | | |
|
Public records last 12m / 10y:
| 0/ 1 |
Homeownership:
| No | | |
|
Delinquencies in last 7y:
| 21 | | | | |
|
Screen name:
| interest-burrito3 |
Borrower's state:
| NewYork |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Description
Pay my divorce lawyer
Purpose of loan:
This loan will be used to pay my divorce attorney and one and only credit card that I have.
My financial situation:
I am a good candidate for this loan because I am a professional making over 100,000 dollars per year with minimal expenses.
Monthly net income: $ $6500
Monthly expenses: $
??Housing: $ 1500
??Insurance: $ 200
??Car expenses: $ 200
??Utilities: $ 200
??Phone, cable, internet: $100
??Food, entertainment: $ 100
??Clothing, household expenses $ 0
??Credit cards and other loans: $ 100
??Other expenses: $ 0
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
458059
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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:
| 17.00% |
Starting borrower rate/APR:
| 18.00% / 20.21% |
Starting monthly payment:
| $361.52 |
| |
|
Auction yield range:
| 16.99% - 17.00% |
Estimated loss impact:
| 18.94% | | |
|
Lender servicing fee:
| 1.00% |
Estimated return:
| -1.94% | | |
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
|
Prosper scores:
| |
First credit line:
| Oct-1977 |
Debt/Income ratio:
| Self-employed (DTI Not Calculated) |
|
Basic (1-10):
| 4 |
Inquiries last 6m:
| 2 | Employment status: | Self-employed |
| Enhanced (1-5): | 1 |
Current / open credit lines:
| 16
/
14 | Length of status: | 16y 9m |
|
Credit score:
| 640-659 (Apr-2010) |
Total credit lines:
| 44 |
Occupation: | Sales - Commission |
|
Now delinquent:
| 0 |
Revolving credit balance:
| $153,486 | 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:
| top-point-wind |
Borrower's state:
| Minnesota |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Description
Consolidate 3 payments into 1
Purpose of loan:
I am requesting this loan to relieve stress by consolidating 3 or 4 payments into one.?? I am requesting below the "recommended" interest rate because I feel that being expected ?to pay 35% interested is not realistic and will not help my situation.? I am hoping lenders look at me as a credit worthy investment and not as a "credit score" only.? 2 years ago my score was 718 and I want to raise it back to that level.? I am not a risk to not pay this loan back.? I pay all my bills on time and am not delinquent on payments.
My financial situation:
I have only 6 years left to pay on my mortgage and do not want to?refinance (this is a home equity credit line and is included as revolving credit owed).? My goal is to be debt free in 5 years. ?After several years of unemployment for my husband and then getting sick, we were without a 2nd income for 5 years.? Through that time I did as well as possible, but unfortunately turned to credit cards to supplement my income not every imagining it would be 5 years before he qualified for SS Disability.? I work hard at my business and want to systematically pay down and eliminate all debt.?
Monthly net income: $?4000 this is my personal income.?
Monthly expenses: $
??Housing: 180$???Insurance: $???Car expenses: $ 0
??Utilities: $ 300
??Phone, cable, internet: $ 80
??Food, entertainment: $ 200
??Clothing, household expenses $?75??Credit cards and other loans: $ 1500
??Other expenses: $ none
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
458069
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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:
| 24.00% |
Starting borrower rate/APR:
| 25.00% / 27.31% |
Starting monthly payment:
| $596.40 |
| |
|
Auction yield range:
| 16.99% - 24.00% |
Estimated loss impact:
| 26.38% | | |
|
Lender servicing fee:
| 1.00% |
Estimated return:
| -2.38% | | |
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
|
Prosper scores:
| |
First credit line:
| Jun-1998 |
Debt/Income ratio:
| Self-employed (DTI Not Calculated) |
|
Basic (1-10):
| 2 |
Inquiries last 6m:
| 1 | Employment status: | Self-employed |
| Enhanced (1-5): | 3 |
Current / open credit lines:
| 3
/
2 | Length of status: | 0y 10m |
|
Credit score:
| 640-659 (May-2010) |
Total credit lines:
| 15 |
Occupation: | Executive |
|
Now delinquent:
| 0 |
Revolving credit balance:
| $1,793 | Stated income: | $50,000-$74,999 |
|
Amount delinquent:
| $0 |
Bankcard utilization:
| 81% | | |
|
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| No | | |
|
Delinquencies in last 7y:
| 0 | | | | |
|
Screen name:
| TreeBikes |
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
Inventory to begin production
Purpose of loan:
We will be using this loan to purchase the last of the parts that we need to go to market with an innovative new kids bike.? We have enough parts on order to complete 250 bikes right now and will be selling the bikes initially in the Central Texas area as well as online.? We already have one bike shop in Austin that has signed on to carry our product and once we open there we will be looking to quickly expand to all bike shops in and around Austin as well as toy stores in the Austin area.? Within the next 6 months we will be expanding our sales coverage to include Dallas/Fort Worth, Houston, and San Antonio.? This is an incredibly lucrative market for our product due to the size of the cities within our geographic area, over 12 million people within a 4 mile radius.?
My financial situation:
Working full time providing weatherization, insulation, radiant barrier and other energy saving measures to home owners in the Central Texas region.?
Monthly net income: $2000
Monthly expenses: $
??Housing: $
0
??Insurance: $
150
??Car expenses: $
0
??Utilities: $ 100
??Phone, cable, internet: $ 200
??Food, entertainment: $
250
??Clothing, household expenses $
50
??Credit cards and other loans: $
90
??Other expenses: $
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
458071
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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:
| 11.00% |
Starting borrower rate/APR:
| 12.00% / 14.13% |
Starting monthly payment:
| $232.50 |
| |
|
Auction yield range:
| 10.99% - 11.00% |
Estimated loss impact:
| 10.23% | | |
|
Lender servicing fee:
| 1.00% |
Estimated return:
| 0.77% | | |
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
|
Prosper scores:
| |
First credit line:
| Sep-1993 |
Debt/Income ratio:
| 15% |
|
Basic (1-10):
| 8 |
Inquiries last 6m:
| 1 | Employment status: | Full-time employee |
| Enhanced (1-5): | 5 |
Current / open credit lines:
| 11
/
8 | Length of status: | 12y 2m |
|
Credit score:
| 680-699 (May-2010) |
Total credit lines:
| 23 |
Occupation: | Engineer - Mechanic... |
|
Now delinquent:
| 0 |
Revolving credit balance:
| $6,474 | Stated income: | $75,000-$99,999 |
|
Amount delinquent:
| $0 |
Bankcard utilization:
| 54% | | |
|
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| No | | |
|
Delinquencies in last 7y:
| 6 | | | | |
|
Screen name:
| diverse-loyalty |
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
My loan for debt consolidation
Purpose of loan:
This loan will be used to? PAYOFF HIGH INTERST CREDIT CARD AND A HIGH INTEREST LOAN?
My financial situation:
I am a good candidate for this loan because???
Monthly net income: $3400
Monthly expenses: $ 2700
??Rent & Utilities: $ 725
??Insurance: $150 INCLUDES CAR AND LIFE
??Car expenses: $ 150 GAS?
??Phone, cable, internet: $ 150
??Food, entertainment: $ 400
??Clothing, household expenses $ 100
??Credit cards and other loans: $1000
??Other expenses: $ 0
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
458077
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
|
Amount:
| $12,000.00 |
Prosper Rating:
| D |
Auction Duration:
| 7 days
|
|
Term:
| 36 months |
Estimated loss:
| 10.0% | | |
| | | |
|
|
Starting lender yield:
| 14.99% |
Starting borrower rate/APR:
| 15.99% / 18.17% |
Starting monthly payment:
| $421.83 |
| |
|
Auction yield range:
| 10.99% - 14.99% |
Estimated loss impact:
| 10.34% | | |
|
Lender servicing fee:
| 1.00% |
Estimated return:
| 4.65% | | |
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
|
Prosper scores:
| |
First credit line:
| May-1990 |
Debt/Income ratio:
| 19% |
|
Basic (1-10):
| 6 |
Inquiries last 6m:
| 0 | Employment status: | Full-time employee |
| Enhanced (1-5): | 5 |
Current / open credit lines:
| 7
/
7 | Length of status: | 5y 8m |
|
Credit score:
| 720-739 (May-2010) |
Total credit lines:
| 21 |
Occupation: | Accountant/CPA |
|
Now delinquent:
| 0 |
Revolving credit balance:
| $9,652 | Stated income: | $50,000-$74,999 |
|
Amount delinquent:
| $0 |
Bankcard utilization:
| 78% | | |
|
Public records last 12m / 10y:
| 0/ 1 |
Homeownership:
| Yes | | |
|
Delinquencies in last 7y:
| 0 | | | | |
|
Screen name:
| lovely-economy7 |
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
Consolidate Debt & Home Repair
Purpose of loan:
This loan will be used to?Consolidate credit card debt (then shred the cards) and?perform minor home renovations.?
My financial situation:
I am a good candidate for this loan because?I have worked for the same financially stable company going on six years in September 2010. I have a great working relationship with the owner and report directly to him. I intend to retire from this company and anticipate continued salary growth thoughout the course of my employment here.?
As the profile shows a public record,?I will state that I did file for bankruptcy as a result of the allocation of debt from a divorce. I have strived to increase my credit score ever since?and it will be seven years since the discharge in August 2010.
I believe my credit score reflects my continued efforts to maintain good credit. Thank?you in advance for your consideration.?
Monthly net income: $ 2985.66
Monthly expenses: $
??Housing: $?????????????????????????????????967.00????
??Insurance: $?????????????????????????????????66.00
??Car expenses: $?????????????????????????160.00
??Utilities: $??????????????????????????????????125.00 (Monthly Average)
??Phone, cable, internet: $?????????????100.00
??Food, entertainment: $?????????????????200.00
??Clothing, household expenses $?????50.00
??Credit cards and other loans: $?????756.00 (Includes Auto Loan)?
??Other expenses: $?????????????????????????50.00
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
458081
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
|
Amount:
| $1,500.00 |
Prosper Rating:
| C |
Auction Duration:
| 7 days
|
|
Term:
| 36 months |
Estimated loss:
| 6.5% | | |
| | | |
|
|
Starting lender yield:
| 19.07% |
Starting borrower rate/APR:
| 20.07% / 22.56% |
Starting monthly payment:
| $55.80 |
| |
|
Auction yield range:
| 7.99% - 19.07% |
Estimated loss impact:
| 6.94% | | |
|
Lender servicing fee:
| 1.00% |
Estimated return:
| 12.13% | | |
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
|
Prosper scores:
| |
First credit line:
| May-1990 |
Debt/Income ratio:
| 41% |
|
Basic (1-10):
| 10 |
Inquiries last 6m:
| 3 | Employment status: | Full-time employee |
| Enhanced (1-5): | 2 |
Current / open credit lines:
| 17
/
14 | Length of status: | 7y 0m |
|
Credit score:
| 640-659 (May-2010) |
Total credit lines:
| 44 |
Occupation: | Police Officer/Corr... |
|
Now delinquent:
| 0 |
Revolving credit balance:
| $29,004 | Stated income: | $25,000-$49,999 |
|
Amount delinquent:
| $0 |
Bankcard utilization:
| 41% | | |
|
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| Yes | | |
|
Delinquencies in last 7y:
| 0 | | | | |
|
Screen name:
| benefit-lion1 |
Borrower's state:
| Mississippi |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Description
Repairing bathroom
Purpose of loan:
This loan will be used to? repair some broken and aging fixtures and items in my bathroom.
My financial situation:
I am a good candidate for this loan because? I am a very dedicated and hard working father of 4. I am very diligent in paying my bills on time as I am hoping to continually improve my credit rating. I am also wanting to improve my home now so I may purchase a larger home for my family in about 3-5 years.
Monthly net income: $ 6000.00????????
Monthly expenses: $
??Housing: $ 690.00
??Insurance: $?100.00
??Car expenses: $690.00
??Utilities: $ 130.00????
??Phone, cable, internet: $ 125.00????
??Food, entertainment: $ 300.00
??Clothing, household expenses $ 50.00
??Credit cards and other loans: $ 200.00
??Other expenses: $
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
458083
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
|
Amount:
| $3,500.00 |
Prosper Rating:
| HR |
Auction Duration:
| 7 days
|
|
Term:
| 36 months |
Estimated loss:
| 18.0% | | |
| | | |
|
|
Starting lender yield:
| 29.00% |
Starting borrower rate/APR:
| 30.00% / 32.38% |
Starting monthly payment:
| $148.58 |
| |
|
Auction yield range:
| 16.99% - 29.00% |
Estimated loss impact:
| 19.69% | | |
|
Lender servicing fee:
| 1.00% |
Estimated return:
| 9.31% | | |
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
|
Prosper scores:
| |
First credit line:
| Jun-1993 |
Debt/Income ratio:
| 26% |
|
Basic (1-10):
| 4 |
Inquiries last 6m:
| 3 | Employment status: | Full-time employee |
| Enhanced (1-5): | 2 |
Current / open credit lines:
| 3
/
3 | Length of status: | 1y 6m |
|
Credit score:
| 680-699 (May-2010) |
Total credit lines:
| 32 |
Occupation: | Sales - Commission |
|
Now delinquent:
| 0 |
Revolving credit balance:
| $41 | Stated income: | $50,000-$74,999 |
|
Amount delinquent:
| $0 |
Bankcard utilization:
| 13% | | |
|
Public records last 12m / 10y:
| 0/ 1 |
Homeownership:
| No | | |
|
Delinquencies in last 7y:
| 13 | | | | |
|
Screen name:
| established-justice5 |
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
medical expenses & taxes
Purpose of loan:
This loan will be used to? pay off some medical?expenses & taxes
My financial situation:
I am a good candidate for this loan because? I have never been out of work and have always paid my obligations on time
Monthly net income: $ 5500
Monthly expenses: $
??Housing: $ 1465
??Insurance: $ 200
??Car expenses: $ 500
??Utilities: $150
??Phone, cable, internet: $ 75
??Food, entertainment: $?150
??Clothing, household expenses $ 50
??Credit cards and other loans: $ 50
??Other expenses: $ 100
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
458087
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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:
| 34.5% | | |
| | | |
|
|
Starting lender yield:
| 19.00% |
Starting borrower rate/APR:
| 20.00% / 22.24% |
Starting monthly payment:
| $204.40 |
| |
|
Auction yield range:
| 16.99% - 19.00% |
Estimated loss impact:
| 35.56% | | |
|
Lender servicing fee:
| 1.00% |
Estimated return:
| -16.56% | | |
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
|
Prosper scores:
| |
First credit line:
| Aug-1996 |
Debt/Income ratio:
| 24% |
|
Basic (1-10):
| 1 |
Inquiries last 6m:
| 5 | Employment status: | Full-time employee |
| Enhanced (1-5): | 1 |
Current / open credit lines:
| 6
/
5 | Length of status: | 2y 0m |
|
Credit score:
| 640-659 (May-2010) |
Total credit lines:
| 23 |
Occupation: | Professional |
|
Now delinquent:
| 3 |
Revolving credit balance:
| $382 | Stated income: | $75,000-$99,999 |
|
Amount delinquent:
| $2,365 |
Bankcard utilization:
| 91% | | |
|
Public records last 12m / 10y:
| 0/ 1 |
Homeownership:
| Yes | | |
|
Delinquencies in last 7y:
| 11 | | | | |
|
Screen name:
| harmonious-truth2 |
Borrower's state:
| California |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Description
Paying off dept and consolidating
Purpose of loan:
This loan will be used to pay off a high interest good standing loan of $2200 and pay off odds(medical bills,utilities thru the summer,credit card)?and ends to consolidate to one payment
My financial situation:
I am a good candidate for this loan because, I have improved my payment or paid in full history over the course of time and I have improved my own credit score from 400 to 600 plus on my own to insure a successful home purchase. I have job security within the telecommunications arena and I continue to strive to better my financial situation with knowledge (www.myfico.com)??and ?continued on time payment success.
Also I have one credit card with a $300 limit and it has my utilization high because it is maxed from move in cost as well as the delinquent account of $2365 is being removed this month which will relfect a different score with pay off and pay down of the credit card
Monthly net income: $ 5000
Monthly expenses: $?
??Housing: $ 1400
??Insurance: $ 100
??Car expenses: $ 1200
??Utilities: $?80
??Phone, cable, internet: $ 125
??Food, entertainment: $?300
??Clothing, household expenses $ 100
??Credit cards and other loans: $ 250
??Other expenses: $ 50
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
458089
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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:
| 14.0% | | |
| | | |
|
|
Starting lender yield:
| 19.00% |
Starting borrower rate/APR:
| 20.00% / 22.24% |
Starting monthly payment:
| $141.22 |
| |
|
Auction yield range:
| 13.99% - 19.00% |
Estimated loss impact:
| 14.84% | | |
|
Lender servicing fee:
| 1.00% |
Estimated return:
| 4.16% | | |
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
|
Prosper scores:
| |
First credit line:
| Feb-1988 |
Debt/Income ratio:
| 6% |
|
Basic (1-10):
| 6 |
Inquiries last 6m:
| 0 | Employment status: | Full-time employee |
| Enhanced (1-5): | 5 |
Current / open credit lines:
| 3
/
3 | Length of status: | 1y 5m |
|
Credit score:
| 680-699 (May-2010) |
Total credit lines:
| 39 |
Occupation: | Professional |
|
Now delinquent:
| 1 |
Revolving credit balance:
| $76 | Stated income: | $50,000-$74,999 |
|
Amount delinquent:
| $0 |
Bankcard utilization:
| 0% | | |
|
Public records last 12m / 10y:
| 0/ 1 |
Homeownership:
| No | | |
|
Delinquencies in last 7y:
| 11 | | | | |
|
Screen name:
| anolick |
Borrower's state:
| Michigan |
Borrower's group:
| Government Employees |
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
| Loan history | Payment history | Credit score history |
|
Active / total loans:
| 1 / 2 |
On-time:
| 30 ( 97% )
| 680-699 (Latest)
|
|
Principal borrowed:
| $3,500.00 | < 31 days late:
| 1
( 3% )
| 660-679
(Sep-2008)
560-579
(Feb-2007)
|
|
Principal balance:
| $784.85 |
31+ days late:
| 0
( 0% )
|
|
Total payments billed:
| 31 | | |
Description
Pay off over mileage loan
Purpose of loan:
This loan will be used to? pay off credit union over mileage loan and pay off other prosper balance.
My financial situation:
I am a good candidate for this loan because? I have very few bills and only one gas credit card with $78 balance.
Monthly net income: $ 2800
Monthly expenses: $ 1000
??Housing: $ 0, live with roomate
??Insurance: $ 0, company car, company paid health insurance
??Car expenses: $ o, company car
??Utilities: $ 0
??Phone, cable, internet: $ 0
??Food, entertainment: $ $750 family groceries
??Clothing, household expenses $ 50
??Credit cards and other loans: $ 25
??Other expenses: $
Information in the Description is not verified.