Listing Report:Supplement No. 251 dated May 27, 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
422978
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
|
Amount:
| $12,900.00 |
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:
| $428.40 |
| |
|
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:
| Aug-1989 |
Debt/Income ratio:
| Self-employed (DTI Not Calculated) |
|
Basic (1-10):
| 6 |
Inquiries last 6m:
| 0 | Employment status: | Self-employed |
| Enhanced (1-5): | 5 |
Current / open credit lines:
| 8
/
8 | Length of status: | 19y 0m |
|
Credit score:
| 740-759 (May-2010) |
Total credit lines:
| 17 |
Occupation: | Professional |
|
Now delinquent:
| 0 |
Revolving credit balance:
| $3,016 | Stated income: | $100,000+ |
|
Amount delinquent:
| $0 |
Bankcard utilization:
| 9% | | |
|
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| No | | |
|
Delinquencies in last 7y:
| 0 | | | | |
|
Screen name:
| ConsultantFL |
Borrower's state:
| Florida |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
| Loan history | Payment history | Credit score history |
|
Active / total loans:
| 0 / 1 |
On-time:
| 15 ( 100% )
| 740-759 (Latest)
|
|
Principal borrowed:
| $5,935.00 | < 31 days late:
| 0
( 0% )
| 760-779
(Jul-2009)
660-679
(Feb-2008)
|
|
Principal balance:
| $0.00 |
31+ days late:
| 0
( 0% )
|
|
Total payments billed:
| 15 | | |
Description
Debt Consolidation / Marketing
Perfect Payment History ? Consultant to Fortune 500 CompaniesI?m looking to consolidate some debt and pay for some marketing expenses in relation to a conference I?ve been invited to speak at.
? Perfect 5/5 Prosper Enhanced Score
? 755 Credit Score - Excellent
? Currently have $5,900 in receivables
? 3 Current Clients / 1 New Client
? Just signed 1 year contract with Fortune 100 Company
- Pay cycle is 60 days out
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
438122
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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:
| 25.25% |
Starting borrower rate/APR:
| 26.25% / 28.57% |
Starting monthly payment:
| $161.70 |
| |
|
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:
| Nov-1997 |
Debt/Income ratio:
| 29% |
|
Basic (1-10):
| 7 |
Inquiries last 6m:
| 1 | Employment status: | Full-time employee |
| Enhanced (1-5): | 4 |
Current / open credit lines:
| 17
/
15 | Length of status: | 9y 11m |
|
Credit score:
| 700-719 (May-2010) |
Total credit lines:
| 33 |
Occupation: | Other |
|
Now delinquent:
| 0 |
Revolving credit balance:
| $8,627 | Stated income: | $50,000-$74,999 |
|
Amount delinquent:
| $0 |
Bankcard utilization:
| 87% | | |
|
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| Yes | | |
|
Delinquencies in last 7y:
| 0 | | | | |
|
Screen name:
| sensible-treasure7 |
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
My personal loan
Purpose of loan:
This loan will be used to? pay property tax
My financial situation:
I am a good candidate for this loan because? i am current on all my bills, and has a job
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
452122
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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-1991 |
Debt/Income ratio:
| Self-employed (DTI Not Calculated) |
|
Basic (1-10):
| 4 |
Inquiries last 6m:
| 0 | Employment status: | Self-employed |
| Enhanced (1-5): | 4 |
Current / open credit lines:
| 7
/
5 | Length of status: | 14y 4m |
|
Credit score:
| 760-779 (May-2010) |
Total credit lines:
| 38 |
Occupation: | Doctor |
|
Now delinquent:
| 1 |
Revolving credit balance:
| $745 | Stated income: | $50,000-$74,999 |
|
Amount delinquent:
| $488 |
Bankcard utilization:
| 74% | | |
|
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| Yes | | |
|
Delinquencies in last 7y:
| 6 | | | | |
|
Screen name:
| auction-guardian4 |
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
advertising on Excellent TV venue
HELLO there!
I am planning a huge marketing push that will propel my very STABLE practice into the next level! I am a single mother and small business owner, so that does subject me to the whims of the economy, and there are some reflections of that in my history. However, i am an excellent risk because i have integrity and always fulfill my obligations! I am planning a year long four-pronged marketing plan that has been EXTREMELY successful for other docs and we are just going to do the same thing. i require some extra capitalization to make this possible and i love this medium. so please fund me with a great rate;)!! thank YOU for creating the possibilities of community supported structures that allow us to help each other!!
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
453120
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
|
Amount:
| $15,000.00 |
Prosper Rating:
| HR |
Auction Duration:
| 7 days
|
|
Term:
| 36 months |
Estimated loss:
| 18.0% | | |
| | | |
|
|
Starting lender yield:
| 34.00% |
Starting borrower rate/APR:
| 35.00% / 37.45% |
Starting monthly payment:
| $678.54 |
| |
|
Auction yield range:
| 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-1991 |
Debt/Income ratio:
| 32% |
|
Basic (1-10):
| 3 |
Inquiries last 6m:
| 4 | Employment status: | Full-time employee |
| Enhanced (1-5): | 2 |
Current / open credit lines:
| 17
/
13 | Length of status: | 17y 0m |
|
Credit score:
| 720-739 (May-2010) |
Total credit lines:
| 34 |
Occupation: | Professional |
|
Now delinquent:
| 0 |
Revolving credit balance:
| $37,252 | Stated income: | $50,000-$74,999 |
|
Amount delinquent:
| $0 |
Bankcard utilization:
| 58% | | |
|
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| Yes | | |
|
Delinquencies in last 7y:
| 0 | | | | |
|
Screen name:
| kindness-wicket |
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 Credit Cards
Purpose of loan:
This loan will be used to?consolidate to credit cards????
My financial situation:
I am a good candidate for this loan because?I have never?been late with a payment or defaulted on any of loans or credit cards???
Monthly net income: $ 65,000
Monthly expenses: $
??Housing: $ 1300.00
??Insurance: $ 0
??Car expenses: $ 0
??Utilities: $ 0
??Phone, cable, internet: $ 0
??Food, entertainment: $?0??????
??Clothing, household expenses $?300
??Credit cards and other loans: $ 1500????
??Other expenses: $
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
455550
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
|
Amount:
| $8,000.00 |
Prosper Rating:
| HR |
Auction Duration:
| 7 days
|
|
Term:
| 36 months |
Estimated loss:
| 18.0% | | |
| | | |
|
|
Starting lender yield:
| 34.00% |
Starting borrower rate/APR:
| 35.00% / 37.45% |
Starting monthly payment:
| $361.89 |
| |
|
Auction yield range:
| 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-1998 |
Debt/Income ratio:
| 16% |
|
Basic (1-10):
| 4 |
Inquiries last 6m:
| 1 | Employment status: | Full-time employee |
| Enhanced (1-5): | 5 |
Current / open credit lines:
| 7
/
7 | Length of status: | 17y 8m |
|
Credit score:
| 640-659 (May-2010) |
Total credit lines:
| 19 |
Occupation: | Postal Service |
|
Now delinquent:
| 1 |
Revolving credit balance:
| $1,274 | Stated income: | $75,000-$99,999 |
|
Amount delinquent:
| $15,867 |
Bankcard utilization:
| 39% | | |
|
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| No | | |
|
Delinquencies in last 7y:
| 3 | | | | |
|
Screen name:
| CEEMIKE |
Borrower's state:
| Georgia |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
| Loan history | Payment history | Credit score history |
|
Active / total loans:
| 1 / 1 |
On-time:
| 16 ( 76% )
| 640-659 (Latest)
|
|
Principal borrowed:
| $5,500.00 | < 31 days late:
| 4
( 19% )
| 640-659
(Aug-2008)
|
|
Principal balance:
| $2,654.66 |
31+ days late:
| 1
( 5% )
|
|
Total payments billed:
| 21 | | |
Description
PAYING DOWN DEBT
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
458838
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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:
| 39% |
|
Basic (1-10):
| 2 |
Inquiries last 6m:
| 1 | Employment status: | Full-time employee |
| Enhanced (1-5): | 2 |
Current / open credit lines:
| 14
/
13 | Length of status: | 4y 6m |
|
Credit score:
| 660-679 (May-2010) |
Total credit lines:
| 39 |
Occupation: | Clerical |
|
Now delinquent:
| 0 |
Revolving credit balance:
| $4,307 | Stated income: | $25,000-$49,999 |
|
Amount delinquent:
| $0 |
Bankcard utilization:
| 99% | | |
|
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| Yes | | |
|
Delinquencies in last 7y:
| 0 | | | | |
|
Screen name:
| cltrap13 |
Borrower's state:
| Montana |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
| Loan history | Payment history | Credit score history |
|
Active / total loans:
| 0 / 1 |
On-time:
| 17 ( 100% )
| 660-679 (Latest)
|
|
Principal borrowed:
| $5,000.00 | < 31 days late:
| 0
( 0% )
| 660-679
(Sep-2009)
620-639
(Sep-2008)
640-659
(Dec-2007)
|
|
Principal balance:
| $0.01 |
31+ days late:
| 0
( 0% )
|
|
Total payments billed:
| 17 | | |
Description
Please help consolidate my payments
Purpose of loan:
This loan will be used to consolidate 5 payments into one. Right now I am making payments every two weeks on 5 different loans, these payments total over $1000 each month. These are loans at local businesses that are from $800.00 to $2500.00. I originally got these loans to help pay off "payday check loans" that I had acquired through gambling, I have since quit gambling completely! I am really looking to just pay off these loans and have one lower payment and hopefully save enough to pay off this loan early. I have used Prosper one other time and paid it off early and will pay this one off early too if I am able. Please help!
My financial situation:
I am a good candidate for this loan because I have a good solid job and I always make my payments on time. I am not late on any payments. I cut back on other things if money is short. I am a Christian woman and I believe in helping others and will do so when I am able to pay off these loans. I admit that I have made mistakes, but I am now trying very hard to correct my mistakes and pay off these loans. I am also not able to get a second job at this time because I have an elderly mother and mother-in-law that I help take care of. My husband has been very supportive through my crisis and we are trying hard to make ends meet. He is retired but still makes enough to cover most of our household expenses. I do pay all our insurance premiums (vehicle and health), our phone bill, one car payment, and my credit cards. What I have left at the end of the month just isn't enough to make these other payments and I don't want to get into anymore payday loans to make my other loan payments, that is part of the reason I am where I am today. Please help me! And please email me if you have any other questions or concerns. I am praying for your help.
Monthly net income: $ 1780.00 (my income alone)
Monthly expenses: $
??Housing: $ 800.00 (my husband pays this)
??Insurance: $ 425.00 (I pay this)
??Car expenses: $185.00 (I pay this)
??Utilities: $200.00 (my husband pays this)
??Phone, cable, internet: $ 200.00 (I pay this)
??Food, entertainment: $ 300.00 (my husband pays this)
??Clothing, household expenses $100.00 (we really don't shop much, my husband would pay for this)
??Credit cards and other loans: $200.00 (I pay my credit card bills)
??Other expenses: $ 1026.00 (these are the payments I really need help consolidating!)
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
459270
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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:
| Sep-1989 |
Debt/Income ratio:
| Self-employed (DTI Not Calculated) |
|
Basic (1-10):
| 6 |
Inquiries last 6m:
| 0 | Employment status: | Self-employed |
| Enhanced (1-5): | 4 |
Current / open credit lines:
| 6
/
4 | Length of status: | 3y 4m |
|
Credit score:
| 680-699 (May-2010) |
Total credit lines:
| 47 |
Occupation: | Professional |
|
Now delinquent:
| 0 |
Revolving credit balance:
| $787 | Stated income: | $25,000-$49,999 |
|
Amount delinquent:
| $0 |
Bankcard utilization:
| 71% | | |
|
Public records last 12m / 10y:
| 1/ 1 |
Homeownership:
| No | | |
|
Delinquencies in last 7y:
| 3 | | | | |
|
Screen name:
| nagster |
Borrower's state:
| Utah |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
| Loan history | Payment history | Credit score history |
|
Active / total loans:
| 0 / 1 |
On-time:
| 28 ( 100% )
| 680-699 (Latest)
|
|
Principal borrowed:
| $2,000.00 | < 31 days late:
| 0
( 0% )
| 700-719
(May-2006)
|
|
Principal balance:
| $0.01 |
31+ days late:
| 0
( 0% )
|
|
Total payments billed:
| 28 | | |
Description
Credit Repair/Business Cash Flow
Purpose of loan:
This loan will put in my Etrade savings and used if needed for cash flow. My plan is to pay it off early just like I did with my last Prosper loan. I took a loan in 2007 while in a PhD program. That loan was instrumental in helping me start my business.
My financial situation:
I am a good candidate for this loan because my monthly payments are very low.
Monthly net income fluctuates $1800 to $4800 (approx). Current accounts receivable is $4100, none of which is overdue.
Monthly expenses aprox $1250
??Housing: $610
??Insurance: $ 50
??Car expenses: $ 20
??Utilities: $ 25 (Electricity only)
??Phone, cable, internet: $ 59 (phone) + $39 Internet
??Food, entertainment: $ 300
??Credit cards and other loans: $ 54
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
459386
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
|
Amount:
| $6,500.00 |
Prosper Rating:
| HR |
Auction Duration:
| 7 days
|
|
Term:
| 36 months |
Estimated loss:
| 25.0% | | |
| | | |
|
|
Starting lender yield:
| 19.00% |
Starting borrower rate/APR:
| 20.00% / 22.24% |
Starting monthly payment:
| $241.56 |
| |
|
Auction yield range:
| 16.99% - 19.00% |
Estimated loss impact:
| 26.06% | | |
|
Lender servicing fee:
| 1.00% |
Estimated return:
| -7.06% | | |
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
|
Prosper scores:
| |
First credit line:
| Aug-1983 |
Debt/Income ratio:
| Self-employed (DTI Not Calculated) |
|
Basic (1-10):
| 3 |
Inquiries last 6m:
| 3 | Employment status: | Self-employed |
| Enhanced (1-5): | 2 |
Current / open credit lines:
| 8
/
8 | Length of status: | 24y 0m |
|
Credit score:
| 680-699 (May-2010) |
Total credit lines:
| 23 |
Occupation: | Sales - Retail |
|
Now delinquent:
| 0 |
Revolving credit balance:
| $29,175 | Stated income: | $75,000-$99,999 |
|
Amount delinquent:
| $0 |
Bankcard utilization:
| 84% | | |
|
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| Yes | | |
|
Delinquencies in last 7y:
| 0 | | | | |
|
Screen name:
| motomech10 |
Borrower's state:
| NewHampshire |
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
Business expansion and job creation
I have been here a few times now seeking a loan to purchase some ATV?s so that I can add ATV rentals to my business
IRS Sports.?
IRS Sports ATV Rentals
I was able to find an investor to help me purchase the ATV?s and am now seeking a loan to get the insurance coverage I need for 1 year.? The cost to cover 6 machines for 1 year would be $6500. I expect to be able to payoff the machines and insurance within 1 year. ? Feel free to contact me if you have any questions. ?Thanks
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
460122
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
|
Amount:
| $15,000.00 |
Prosper Rating:
| HR |
Auction Duration:
| 7 days
|
|
Term:
| 36 months |
Estimated loss:
| 18.0% | | |
| | | |
|
|
Starting lender yield:
| 34.00% |
Starting borrower rate/APR:
| 35.00% / 37.45% |
Starting monthly payment:
| $678.54 |
| |
|
Auction yield range:
| 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:
| Apr-2004 |
Debt/Income ratio:
| 41% |
|
Basic (1-10):
| 4 |
Inquiries last 6m:
| 0 | Employment status: | Full-time employee |
| Enhanced (1-5): | 4 |
Current / open credit lines:
| 9
/
7 | Length of status: | 1y 7m |
|
Credit score:
| 680-699 (May-2010) |
Total credit lines:
| 14 |
Occupation: | Administrative Assi... |
|
Now delinquent:
| 0 |
Revolving credit balance:
| $2,532 | Stated income: | $25,000-$49,999 |
|
Amount delinquent:
| $0 |
Bankcard utilization:
| 69% | | |
|
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| No | | |
|
Delinquencies in last 7y:
| 0 | | | | |
|
Screen name:
| nadia8505 |
Borrower's state:
| Virginia |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Description
Time to pay off the debt !!
Purpose of loan:
This loan will be used to give me a stepping stone toward consolidating my debt. I have made some financial mistakes in my past and now I am trying to clean it all up. In addition to my full time job, I have a part time job and have solely devoted all my earnings to paying bills. I am expecting my first child in November and I would like to have a better grasp on my financial situation. I believe paying one lump sum is much more?beneficial to my situation?than the?many payments I am currently making.
My financial situation:
I am a good candidate for this loan because I am very responsible with ALL payments. I?consistantly pay my bills on time and well above the minimum due.
Monthly net income: $ 2,570.82
Monthly expenses: $
??Housing: $ 300
??Insurance: $ 137.00?
??Car expenses: $?358.00
??Food, entertainment: $?200.00
??Clothing, household expenses $ 100.00
??Credit cards and other loans: $ 760.00
??Other expenses: $ 100.00
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
460156
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
|
Amount:
| $9,400.00 |
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:
| $425.22 |
| |
|
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:
| Apr-2004 |
Debt/Income ratio:
| 44% |
|
Basic (1-10):
| 4 |
Inquiries last 6m:
| 2 | Employment status: | Full-time employee |
| Enhanced (1-5): | 3 |
Current / open credit lines:
| 10
/
10 | Length of status: | 6y 10m |
|
Credit score:
| 660-679 (May-2010) |
Total credit lines:
| 20 |
Occupation: | Military Enlisted |
|
Now delinquent:
| 0 |
Revolving credit balance:
| $15,441 | Stated income: | $50,000-$74,999 |
|
Amount delinquent:
| $0 |
Bankcard utilization:
| 82% | | |
|
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| Yes | | |
|
Delinquencies in last 7y:
| 0 | | | | |
|
Screen name:
| revenue-legend2 |
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
active duty AF need cosmetic surgey
My purpose for this loan is to undergo Cosmetic Surgery with Bella Cosmetic Surgery in Washington DC. I am active duty Air Force who needs to make my waist measurement to pass my physical training test. Although I exercise at least 4 days a week, I cannot get my waist down to the size the Air Force wants it to be. After 4 pregnancies (2 miscarriages, 2 live births) my abdominal muscles have separated. The Cosmetic Surgery is going to pull my abs back together and get rid of the extra skin from the pregnancies. I have tried to get this procedure done through military channels, and was denied because of more important cases. I love the Air Force, and I really want to stay in. Unfortunately, if I do not pass my PT test, I will be put out. My current enlistment ends June 2013. My husband's annual income is $60,000. I am reliable because I also have a separate business with The Pampered Chef. I have had other loans that have been paid off with no delinquencies. Between my husband's and I salaries, we will have no problem paying off this loan. The following is a breakdown of my finances:
Monthly Net Income: $4848.00 (not including Pampered Chef revenue)
Monthly Expenses:
Mortgage - $1090.00 (my husband pays the utilities)
Childcare - $490.00
Car - $706.00
Car Insurance - $245.00
Credit Cards and Other loans - $500.00
Food, Entertainment, Clothing, and Misc. Household Items - $700
Depending on the amount of product is bought from me, I receive about $200 extra a month with The Pampered Chef.
Please do not hesitate if you have any more questions. My career is very important to me. I have invested way too much time in the Air Force to go out without a fight. Thank you very much.
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
460168
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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:
| 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:
| $407.12 |
| |
|
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:
| Apr-1971 |
Debt/Income ratio:
| Self-employed (DTI Not Calculated) |
|
Basic (1-10):
| 6 |
Inquiries last 6m:
| 1 | Employment status: | Self-employed |
| Enhanced (1-5): | 2 |
Current / open credit lines:
| 17
/
17 | Length of status: | 10y 5m |
|
Credit score:
| 680-699 (May-2010) |
Total credit lines:
| 23 |
Occupation: | Professional |
|
Now delinquent:
| 0 |
Revolving credit balance:
| $70,633 | Stated income: | $75,000-$99,999 |
|
Amount delinquent:
| $0 |
Bankcard utilization:
| 78% | | |
|
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| No | | |
|
Delinquencies in last 7y:
| 0 | | | | |
|
Screen name:
| astute-wealth4 |
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
Good Credit - Never a late payment
Purpose of loan:
Business advertising and promotional expenses.
I am a good candidate for this loan because:
I have good credit and have never made a late payment or defaulted on anything in my life.
My financial situation:
My financial situation is very good. I am self-employed, so I have job security and don?t have to worry about losing my job in this current economic climate. I own several internet companies, so my income will continue to grow as I attract new clients.
Monthly net income: $6,300-$6,800
Monthly expenses: $3,795
? Housing: $800.00
? Insurance: Health insurance: $96.00, Car insurance: $67.00
? Car expenses: $100.00 for gas, $0 for maintenance (under new car warranty)
? Utilities: $135.00
? Phone, cable, internet: $160.00
? Food, entertainment: $400.00
? Clothing, household expenses $300.00
? Credit cards and other loans: Credit cards: $984.00, Car loan: $353.00
? Other expenses: $400.00 (miscellaneous business related expenses)
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
460174
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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:
| C |
Auction Duration:
| 7 days
|
|
Term:
| 36 months |
Estimated loss:
| 8.0% | | |
| | | |
|
|
Starting lender yield:
| 9.00% |
Starting borrower rate/APR:
| 10.00% / 12.11% |
Starting monthly payment:
| $129.07 |
| |
|
Auction yield range:
| 7.99% - 9.00% |
Estimated loss impact:
| 8.18% | | |
|
Lender servicing fee:
| 1.00% |
Estimated return:
| 0.82% | | |
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
|
Prosper scores:
| |
First credit line:
| Aug-1998 |
Debt/Income ratio:
| 14% |
|
Basic (1-10):
| 8 |
Inquiries last 6m:
| 0 | Employment status: | Full-time employee |
| Enhanced (1-5): | 5 |
Current / open credit lines:
| 9
/
9 | Length of status: | 9y 11m |
|
Credit score:
| 700-719 (May-2010) |
Total credit lines:
| 24 |
Occupation: | Computer Programmer |
|
Now delinquent:
| 0 |
Revolving credit balance:
| $3,294 | Stated income: | $25,000-$49,999 |
|
Amount delinquent:
| $0 |
Bankcard utilization:
| 47% | | |
|
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| Yes | | |
|
Delinquencies in last 7y:
| 0 | | | | |
|
Screen name:
| Gtyme |
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 / 3 |
On-time:
| 43 ( 84% )
| 700-719 (Latest)
|
|
Principal borrowed:
| $6,530.00 | < 31 days late:
| 8
( 16% )
| 680-699
(Jul-2009)
600-619
(Nov-2007)
620-639
(May-2007)
620-639
(Apr-2007)
|
|
Principal balance:
| $869.80 |
31+ days late:
| 0
( 0% )
|
|
Total payments billed:
| 51 | | |
Description
Seeking Better Rate
Purpose of loan:
This loan will be used to?to achieve a better rate..Please see my prosper History as I have been and excellent borrower in the past
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
460180
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
|
Amount:
| $2,000.00 |
Prosper Rating:
| C |
Auction Duration:
| 7 days
|
|
Term:
| 36 months |
Estimated loss:
| 6.5% | | |
| | | |
|
|
Starting lender yield:
| 18.90% |
Starting borrower rate/APR:
| 19.90% / 22.14% |
Starting monthly payment:
| $74.23 |
| |
|
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:
| May-2005 |
Debt/Income ratio:
| 22% |
|
Basic (1-10):
| 9 |
Inquiries last 6m:
| 0 | Employment status: | Full-time employee |
| Enhanced (1-5): | 4 |
Current / open credit lines:
| 9
/
8 | Length of status: | 5y 2m |
|
Credit score:
| 660-679 (May-2010) |
Total credit lines:
| 10 |
Occupation: | Other |
|
Now delinquent:
| 0 |
Revolving credit balance:
| $3,314 | Stated income: | $1-$24,999 |
|
Amount delinquent:
| $0 |
Bankcard utilization:
| 66% | | |
|
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| Yes | | |
|
Delinquencies in last 7y:
| 0 | | | | |
|
Screen name:
| jadeblack |
Borrower's state:
| Oregon |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
| Loan history | Payment history | Credit score history |
|
Active / total loans:
| 1 / 1 |
On-time:
| 25 ( 100% )
| 660-679 (Latest)
|
|
Principal borrowed:
| $2,000.00 | < 31 days late:
| 0
( 0% )
| 600-619
(Mar-2008)
|
|
Principal balance:
| $586.15 |
31+ days late:
| 0
( 0% )
|
|
Total payments billed:
| 25 | | |
Description
My loan for debt consolidation
This listing has a higher likelihood to fund and therefore does not include a description. If you would like additional information from this borrower, please ask a question in the Q&A section below.
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
460184
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
|
Amount:
| $17,500.00 |
Prosper Rating:
| C |
Auction Duration:
| 7 days
|
|
Term:
| 36 months |
Estimated loss:
| 8.5% | | |
| | | |
|
|
Starting lender yield:
| 24.57% |
Starting borrower rate/APR:
| 25.57% / 27.88% |
Starting monthly payment:
| $701.08 |
| |
|
Auction yield range:
| 7.99% - 24.57% |
Estimated loss impact:
| 9.09% | | |
|
Lender servicing fee:
| 1.00% |
Estimated return:
| 15.48% | | |
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
|
Prosper scores:
| |
First credit line:
| Mar-1994 |
Debt/Income ratio:
| 21% |
|
Basic (1-10):
| 4 |
Inquiries last 6m:
| 2 | Employment status: | Full-time employee |
| Enhanced (1-5): | 3 |
Current / open credit lines:
| 9
/
7 | Length of status: | 0y 11m |
|
Credit score:
| 780-799 (May-2010) |
Total credit lines:
| 19 |
Occupation: | Professional |
|
Now delinquent:
| 1 |
Revolving credit balance:
| $5,326 | Stated income: | $75,000-$99,999 |
|
Amount delinquent:
| $426 |
Bankcard utilization:
| 9% | | |
|
Public records last 12m / 10y:
| 0/ 1 |
Homeownership:
| Yes | | |
|
Delinquencies in last 7y:
| 0 | | | | |
|
Screen name:
| Telepark |
Borrower's state:
| Utah |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Description
Loan for Operational Business
Purpose of loan:
This loan will be used to help drive an online board game shop that I have running out of my home. The site is www.empireboardgames.com and has done very well when I am able to stock inventory to sell. You can see from my sites metrics on compete.com http://siteanalytics.compete.com/empireboardgames.com/ that when I have inventory in stock I see great traffic to the site vs the months when I am low on stock. I have great experience in the space and just need some capital to help drive the sales.
My financial situation: Is very stable
My Assets
Equity in Home: $30,000
??2007 BMW Motorcycle - Own free and clear: $7500
??Subaru WRX 2004 - Own free and clear: $10000
??1999 BMW Motorcycle - Own free and clear: $4000
??Portfolio of Domain Names valued @: $15,000+
Monthly net income: $7000
Monthly expenses: $4500
??Housing: $1500
??Insurance (Health, Dental, Life): $1200
??Car loan and Gas: $350
??Utilities: $250
??Phone, cable, internet: $200
??Food, Diapers, Kids: $800
??Credit cards and other loans (student loans, credit card): $250
Father of 3 little ones, ages 10 months, 2 years old, and a 3.5 yr old, home owner, have one small car payment ($200) for a used mini van purchased this year.
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
460192
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
|
Amount:
| $7,500.00 |
Prosper Rating:
| HR |
Auction Duration:
| 7 days
|
|
Term:
| 36 months |
Estimated loss:
| 34.5% | | |
| | | |
|
|
Starting lender yield:
| 34.00% |
Starting borrower rate/APR:
| 35.00% / 37.45% |
Starting monthly payment:
| $339.27 |
| |
|
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-1994 |
Debt/Income ratio:
| Self-employed (DTI Not Calculated) |
|
Basic (1-10):
| 1 |
Inquiries last 6m:
| 0 | Employment status: | Self-employed |
| Enhanced (1-5): | 5 |
Current / open credit lines:
| 3
/
2 | Length of status: | 4y 0m |
|
Credit score:
| 700-719 (Apr-2010) |
Total credit lines:
| 11 |
Occupation: | Professional |
|
Now delinquent:
| 0 |
Revolving credit balance:
| $111 | Stated income: | $100,000+ |
|
Amount delinquent:
| $0 |
Bankcard utilization:
| 37% | | |
|
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| No | | |
|
Delinquencies in last 7y:
| 0 | | | | |
|
Screen name:
| marek |
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:
| 29 ( 100% )
| 700-719 (Latest)
|
|
Principal borrowed:
| $6,000.00 | < 31 days late:
| 0
( 0% )
| 620-639
(Nov-2007)
|
|
Principal balance:
| $1,556.02 |
31+ days late:
| 0
( 0% )
|
|
Total payments billed:
| 29 | | |
Description
For Improving my Credit Score
Purpose of loan:
This loan will be used for credit improvement by re-financing debt owed to me. (This request was fully funded, but during Prosper's final review process they discovered a correction for my account that cancels the prior listing. The correction has been made and this listing will pass Prosper's detailed review).
My financial situation:
Currently, we are in the process of buying a nice 2 acre property, my credit score was a few points below the threshold, but thanks to the bank we were able to successfully finance the first part through my wife?s excellent credit. That solved the short term problem, the next problem is the construction loan.
My high revolving credit is un-reimburse business expenses. Currently, my company owes me around $27k in travel expenses, of which $18k is on a credit card which impacts my credit score by pushing it over 50% utilization (for some reason it doesn't show up in Prosper credit check, but it does on the bank's). Business has turned around and they are on track to slowly payoff this debt owed, but it doesn?t help my Fico score in the short run.
The use of these funds:
Reduce revolving credit utilization. I have a $24,950 limit (11.240% interest) in which I am utilizing $18,314 Consolidate an existing Prosper loan $1,556.02 left on a 3 year loan (not sure what two personal loans will do to the credit score).
We have enough money in the bank to do this ourselves without Prosper member?s help, we would like to keep as much of our cash as possible. With 30% down for land/construction loans, every penny counts.
Essentially, I am moving a small portion of the company?s debt to me, to Prosper members. The company has agreed to service the debt, so it reduces your risk and mine. But I will make sure it gets paid on time, because it is my credit record.
Income Profile:
2008 Income $245k gross2009 Income $198k gross
Monthly net income: $8200
Monthly expenses:
??Housing: $2400 (mortgage, HOA, taxes, insurance, etc) we are above water on the mortgage by 25%
??Insurance: $312
??Car expenses: $180 (for gas and maintenance, we own 3 newer cars outright)
??Utilities: HOA covers
??Phone, cable, internet: Company pays
??Food, entertainment: $800
??Clothing, household expenses $200
??Credit cards and other loans: $365.50 to Credit Card, $241.74 to Prosper (to be partially consolidated by this loan)
??Other expenses: $2100 for new mortgage for the land ($150k down on a 3 year ballon at 5.25%)
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
460196
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
|
Amount:
| $10,000.00 |
Prosper Rating:
| HR |
Auction Duration:
| 7 days
|
|
Term:
| 36 months |
Estimated loss:
| 18.0% | | |
| | | |
|
|
Starting lender yield:
| 34.00% |
Starting borrower rate/APR:
| 35.00% / 37.45% |
Starting monthly payment:
| $452.36 |
| |
|
Auction yield range:
| 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-1995 |
Debt/Income ratio:
| Self-employed (DTI Not Calculated) |
|
Basic (1-10):
| 4 |
Inquiries last 6m:
| 0 | Employment status: | Self-employed |
| Enhanced (1-5): | 4 |
Current / open credit lines:
| 6
/
5 | Length of status: | 10y 0m |
|
Credit score:
| 660-679 (May-2010) |
Total credit lines:
| 32 |
Occupation: | Truck Driver |
|
Now delinquent:
| 0 |
Revolving credit balance:
| $2,120 | Stated income: | $25,000-$49,999 |
|
Amount delinquent:
| $0 |
Bankcard utilization:
| 71% | | |
|
Public records last 12m / 10y:
| 0/ 1 |
Homeownership:
| Yes | | |
|
Delinquencies in last 7y:
| 30 | | | | |
|
Screen name:
| asset-motivator7 |
Borrower's state:
| SouthDakota |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Description
Repair Engine
Purpose of loan:
This loan will be used to? Rebuild Engine In Semi Truck
My financial situation:
I am a good candidate for this loan because? I have a good lease to a carrier I gross between $146,000 to $190,000 per year
I'm currently renting a 2nd tractor to stay going rebuilding the engine in my truck would cut my monthly expences down by 1,350 per month
Monthly net income: $ $3,000
Monthly expenses: $
??Housing: $ 700
??Insurance: $ 450
??Car expenses: $ 500
??Utilities: $ 200
??Phone, cable, internet: $ 265?deducted? for business?use
??Food, entertainment: $ 50
??Clothing, household expenses $ 50
??Credit cards and other loans: $ 150 to 200
??Other expenses: $ 100
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
460202
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
|
Amount:
| $5,400.00 |
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:
| $172.22 |
| |
|
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:
| Oct-1995 |
Debt/Income ratio:
| Self-employed (DTI Not Calculated) |
|
Basic (1-10):
| 9 |
Inquiries last 6m:
| 0 | Employment status: | Self-employed |
| Enhanced (1-5): | 4 |
Current / open credit lines:
| 11
/
10 | Length of status: | 7y 4m |
|
Credit score:
| 760-779 (May-2010) |
Total credit lines:
| 20 |
Occupation: | Computer Programmer |
|
Now delinquent:
| 0 |
Revolving credit balance:
| $44,782 | Stated income: | $50,000-$74,999 |
|
Amount delinquent:
| $0 |
Bankcard utilization:
| 54% | | |
|
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| Yes | | |
|
Delinquencies in last 7y:
| 0 | | | | |
|
Screen name:
| commerce-maker2 |
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
Home improvement debt payoff
Purpose of loan:
Pay off home improvements I had put on my credit card
My financial situation:
I consider myself a good candidate for this loan because I am going to?pay back this loan, and in less than 3 years.
I am proud to say I have:
?-?not been late on any type?payments in 13 years (pride),
?-?have never defaulted on a loan of any type. (honor)
I just did some home remodeling, and my credit card company hiked up my rate. I would rather pay that interest to like minded folks, and save a little money while doing it.
Pleae feel free to ask me any questions you would like - thank you for considering my loan!
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
460222
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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:
| 23.00% |
Starting borrower rate/APR:
| 24.00% / 26.29% |
Starting monthly payment:
| $588.49 |
| |
|
Auction yield range:
| 16.99% - 23.00% |
Estimated loss impact:
| 35.82% | | |
|
Lender servicing fee:
| 1.00% |
Estimated return:
| -12.82% | | |
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
|
Prosper scores:
| |
First credit line:
| Dec-1993 |
Debt/Income ratio:
| 62% |
|
Basic (1-10):
| 1 |
Inquiries last 6m:
| 3 | Employment status: | Full-time employee |
| Enhanced (1-5): | 2 |
Current / open credit lines:
| 15
/
13 | Length of status: | 1y 6m |
|
Credit score:
| 640-659 (Apr-2010) |
Total credit lines:
| 35 |
Occupation: | Administrative Assi... |
|
Now delinquent:
| 0 |
Revolving credit balance:
| $14,472 | Stated income: | $25,000-$49,999 |
|
Amount delinquent:
| $0 |
Bankcard utilization:
| 62% | | |
|
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| No | | |
|
Delinquencies in last 7y:
| 0 | | | | |
|
Screen name:
| camaraderi-guru |
Borrower's state:
| Georgia |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Description
Paying off my credit cards
Purpose of loan:
This loan will be used for paying off debts.
My financial situation:
I am asking for a loan to pay off all of my debts. I feel I am a good candidate for this loan because I am very responsible when it comes to making my monthly payments on time in trying to payoff my debts. I feel this loan will help me out big time by helping me eliminate my debts and start clean and fresh. This loan will help me gain a sense of control and get back control of my life and my debts. I feel by asking for this amount I will be able to pay off all of my debts and I will concentrate on solely paying of this loan and not having to worry about making different payments every month. I also feel this loan will be able to help me concentrate on saving for my kid?s college education. ?I feel I just got way over my head in debts by wanting things I don?t really need but felt I had to have. I was not focusing on the important things in life. I let my debts get so out of control that I am way over my head and drowning in debts. I feel this loan will play a major part in regaining my focus on life and not make the same mistakes I?ve done in the past.
Monthly net income: $ 30,000
Monthly expenses: $
??Housing: $
??Insurance: $
??Car expenses: $
??Utilities: $
??Phone, cable, internet: $
??Food, entertainment: $
??Clothing, household expenses $
??Credit cards and other loans: $
??Other expenses: $
Monthly net income: $ 30,000
Monthly expenses: $
??Housing: $
??Insurance: $
??Car expenses: $
??Utilities: $
??Phone, cable, internet: $
??Food, entertainment: $
??Clothing, household expenses $
??Credit cards and other loans: $
??Other expenses: $
Monthly net income: $ 30,000
Monthly expenses: $
??Housing: $
??Insurance: $
??Car expenses: $
??Utilities: $
??Phone, cable, internet: $
??Food, entertainment: $
??Clothing, household expenses $
??Credit cards and other loans: $
??Other expenses: $
Monthly net income: $ 30,000
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
460226
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
|
Amount:
| $7,200.00 |
Prosper Rating:
| AA |
Auction Duration:
| 7 days
|
|
Term:
| 36 months |
Estimated loss:
| 1.5% | | |
| | | |
|
|
Starting lender yield:
| 11.00% |
Starting borrower rate/APR:
| 12.00% / 12.35% |
Starting monthly payment:
| $239.14 |
| |
|
Auction yield range:
| 2.99% - 11.00% |
Estimated loss impact:
| 1.51% | | |
|
Lender servicing fee:
| 1.00% |
Estimated return:
| 9.49% | | |
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
|
Prosper scores:
| |
First credit line:
| Mar-1991 |
Debt/Income ratio:
| 11% |
|
Basic (1-10):
| 8 |
Inquiries last 6m:
| 1 | Employment status: | Full-time employee |
| Enhanced (1-5): | 5 |
Current / open credit lines:
| 10
/
10 | Length of status: | 10y 11m |
|
Credit score:
| 800-819 (May-2010) |
Total credit lines:
| 32 |
Occupation: | Civil Service |
|
Now delinquent:
| 0 |
Revolving credit balance:
| $8,250 | Stated income: | $50,000-$74,999 |
|
Amount delinquent:
| $0 |
Bankcard utilization:
| 41% | | |
|
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| Yes | | |
|
Delinquencies in last 7y:
| 0 | | | | |
|
Screen name:
| edpensionguy |
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:
| 0 / 1 |
On-time:
| 18 ( 100% )
| 800-819 (Latest)
|
|
Principal borrowed:
| $2,000.00 | < 31 days late:
| 0
( 0% )
| 620-639
(Aug-2008)
620-639
(Dec-2007)
620-639
(Jun-2007)
|
|
Principal balance:
| $0.00 |
31+ days late:
| 0
( 0% )
|
|
Total payments billed:
| 18 | | |
Description
Tax bill
Purpose of loan:
This loan will be used for a unexpected $3500 property tax bill.? I will also consolidate a high interest $3700?personal loan.
Current Income:
$4,124?take home
$243?VA benefit
Total:$4,367
Monthly Living Expenses:
$2,205 Mortgage+Tax/Ins
$125 Elec
$200 Cable
$85 Car Ins
$75 Cell Ph
Total: $2,690
$1,677 Left over
I am currently paying $200 a month on the personal loan?that will be paid off by this loan.
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
460232
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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:
| Jan-1997 |
Debt/Income ratio:
| 33% |
|
Basic (1-10):
| 8 |
Inquiries last 6m:
| 1 | Employment status: | Full-time employee |
| Enhanced (1-5): | 4 |
Current / open credit lines:
| 9
/
7 | Length of status: | 2y 7m |
|
Credit score:
| 660-679 (May-2010) |
Total credit lines:
| 16 |
Occupation: | Sales - Retail |
|
Now delinquent:
| 0 |
Revolving credit balance:
| $16,804 | Stated income: | $25,000-$49,999 |
|
Amount delinquent:
| $0 |
Bankcard utilization:
| 68% | | |
|
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| No | | |
|
Delinquencies in last 7y:
| 8 | | | | |
|
Screen name:
| top-exponential-community |
Borrower's state:
| Hawaii |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Description
Paying off a super high credit card
I am working super hard to pay off debit. I have been on a great track for the last year but with interest rates above 20% it is tough to pay down when most of your payment is going towards the interest. With the requested interest rate I would be saving about $1,000 over the life of the loan (36 months). I would like to keep my payment around $160.00.
Thank you for your time.
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
460234
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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:
| 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:
| $221.68 |
| |
|
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-1998 |
Debt/Income ratio:
| 22% |
|
Basic (1-10):
| 8 |
Inquiries last 6m:
| 1 | Employment status: | Full-time employee |
| Enhanced (1-5): | 5 |
Current / open credit lines:
| 18
/
17 | Length of status: | 3y 11m |
|
Credit score:
| 760-779 (May-2010) |
Total credit lines:
| 45 |
Occupation: | Other |
|
Now delinquent:
| 0 |
Revolving credit balance:
| $17,169 | Stated income: | $50,000-$74,999 |
|
Amount delinquent:
| $0 |
Bankcard utilization:
| 75% | | |
|
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| Yes | | |
|
Delinquencies in last 7y:
| 0 | | | | |
|
Screen name:
| justice-outpost |
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
Medical Bills
Purpose of loan:
I need a medical procedure that is not covered by my insurance.
My financial situation:
I am a good candidate for this loan because I pay my bills each and every month.?
Monthly net income: $
3,638-4000
Monthly expenses: $
??Housing: $
2000.00 includes property taxes and house insurance
??Insurance: $
97.00
??Car expenses: $
440.00
??Utilities: $ husband pays
??Phone, cable, internet: $ husband pays
??Food, entertainment: $ husband pays
??Clothing, household expenses $? husband pays
??Credit cards and other loans: $ 750.00
??Other expenses: $
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
460236
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
|
Amount:
| $15,000.00 |
Prosper Rating:
| HR |
Auction Duration:
| 7 days
|
|
Term:
| 36 months |
Estimated loss:
| 25.0% | | |
| | | |
|
|
Starting lender yield:
| 34.00% |
Starting borrower rate/APR:
| 35.00% / 37.45% |
Starting monthly payment:
| $678.54 |
| |
|
Auction yield range:
| 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:
| Not calculated |
|
Basic (1-10):
| 2 |
Inquiries last 6m:
| 0 | Employment status: | Full-time employee |
| Enhanced (1-5): | 5 |
Current / open credit lines:
| 8
/
6 | Length of status: | 7y 4m |
|
Credit score:
| 620-639 (May-2010) |
Total credit lines:
| 21 |
Occupation: | Construction |
|
Now delinquent:
| 1 |
Revolving credit balance:
| $9,863 | Stated income: | $50,000-$74,999 |
|
Amount delinquent:
| $50 |
Bankcard utilization:
| 82% | | |
|
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| No | | |
|
Delinquencies in last 7y:
| 14 | | | | |
|
Screen name:
| Sdog3778 |
Borrower's state:
| Virginia |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
| Loan history | Payment history | Credit score history |
|
Active / total loans:
| 0 / 1 |
On-time:
| 20 ( 100% )
| 620-639 (Latest)
|
|
Principal borrowed:
| $6,500.00 | < 31 days late:
| 0
( 0% )
| 640-659
(Sep-2008)
640-659
(Jun-2008)
640-659
(May-2008)
|
|
Principal balance:
| $0.00 |
31+ days late:
| 0
( 0% )
|
|
Total payments billed:
| 20 | | |
Description
Certifications for expansion
Purpose of loan:
This loan will be used to?
finance continued training to certify in FIrst Aid and CPR as an instructor thru the National Safety Council to add to our business this safety training to other firms.? There is a niche market in the tower industry for providing this training nationwide.? We have a relationship with an international fall protection training company (ComTrain, LLC) who is willing to work with us and their schedule to dovetail in our 1 day training at their various locations.? This gives us a marketing venue with little investment.
Additionally, financing certification training to become an OSHA 10 and 30 course instructor to teach these classes locally and nationally.? Not only does the tower industry require this training, but the broadband outside plant work does as well as any commerical construction.? Average cost to company to send a student thru this training is $250 nationally.? Materials cost less than $30 for the course, travel expenses are factored in to total class costs and student minimums are usually set at 10 with the average class being 18-25 students.
Last, purchase a test set for line sweeping cellular equipment to the higher standards now being required to meet the 3G and 4G deployments.? Third party testing is becoming more prominent and requires the test set and an operator rather than full scale tower crew of 4 to perform many tasks at tower sites.
My financial situation:
I am a good candidate for this loan because? I recently received a large increase in my VA disability compensation and I can pay the loan amount directly from that income with money to spare for other personal expenses even before we go out and work in this expanded field.
Monthly net income: $ 3800
Monthly expenses: $
??Housing: $ 0, wife makes payment to house from her job and all the home expenses.??
??Insurance: $22
??Car expenses: $361
??Utilities: $
??Phone, cable, internet: $175?
??Food, entertainment: $100
??Clothing, household expenses $75
??Credit cards and other loans: $ 65
??Other expenses: $
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
460252
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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:
| E |
Auction Duration:
| 7 days
|
|
Term:
| 36 months |
Estimated loss:
| 14.0% | | |
| | | |
|
|
Starting lender yield:
| 24.00% |
Starting borrower rate/APR:
| 25.00% / 28.90% |
Starting monthly payment:
| $39.76 |
| |
|
Auction yield range:
| 13.99% - 24.00% |
Estimated loss impact:
| 15.08% | | |
|
Lender servicing fee:
| 1.00% |
Estimated return:
| 8.92% | | |
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
|
Prosper scores:
| |
First credit line:
| Jun-1999 |
Debt/Income ratio:
| Not calculated |
|
Basic (1-10):
| 6 |
Inquiries last 6m:
| 1 | Employment status: | Full-time employee |
| Enhanced (1-5): | 4 |
Current / open credit lines:
| 10
/
9 | Length of status: | 1y 5m |
|
Credit score:
| 660-679 (May-2010) |
Total credit lines:
| 18 |
Occupation: | Other |
|
Now delinquent:
| 0 |
Revolving credit balance:
| $3,443 | 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:
| 1 | | | | |
|
Screen name:
| asset-octave5 |
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
Paying off my computer
Purpose of loan:
Paying off a computer before it charges all the interest from a 1 year no interest deal.
My financial situation:
I pay back everything I borrow?
Monthly net income: $ $2100
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
460262
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
|
Amount:
| $1,500.00 |
Prosper Rating:
| HR |
Auction Duration:
| 7 days
|
|
Term:
| 36 months |
Estimated loss:
| 18.0% | | |
| | | |
|
|
Starting lender yield:
| 34.00% |
Starting borrower rate/APR:
| 35.00% / 37.73% |
Starting monthly payment:
| $67.85 |
| |
|
Auction yield range:
| 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-1999 |
Debt/Income ratio:
| 62% |
|
Basic (1-10):
| 4 |
Inquiries last 6m:
| 6 | Employment status: | Full-time employee |
| Enhanced (1-5): | 1 |
Current / open credit lines:
| 15
/
12 | Length of status: | 5y 3m |
|
Credit score:
| 640-659 (May-2010) |
Total credit lines:
| 34 |
Occupation: | Professional |
|
Now delinquent:
| 0 |
Revolving credit balance:
| $9,774 | Stated income: | $25,000-$49,999 |
|
Amount delinquent:
| $0 |
Bankcard utilization:
| 78% | | |
|
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| No | | |
|
Delinquencies in last 7y:
| 0 | | | | |
|
Screen name:
| the-enchanted-wampum |
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 college
Purpose of loan:
This loan will be used to attend summer classes at DeVry University
My financial situation:
I am a good candidate for this loan because?I have good employment history and I plan to buy a home in the next two years so I will not default to jeopardize my credit standing.
Monthly net income: $ 4000?
Monthly expenses: $
??Housing: $ 400
??Insurance: $ 80
??Car expenses: $ 400
??Utilities: $ 100
??Phone, cable, internet: $ 0
??Food, entertainment: $
??Clothing, household expenses $?
??Credit cards and other loans: $
??Other expenses: $
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
460268
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
|
Amount:
| $2,400.00 |
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:
| $74.21 |
| |
|
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:
| Oct-1990 |
Debt/Income ratio:
| 19% |
|
Basic (1-10):
| 10 |
Inquiries last 6m:
| 0 | Employment status: | Full-time employee |
| Enhanced (1-5): | 5 |
Current / open credit lines:
| 11
/
11 | Length of status: | 24y 9m |
|
Credit score:
| 740-759 (May-2010) |
Total credit lines:
| 22 |
Occupation: | Teacher |
|
Now delinquent:
| 0 |
Revolving credit balance:
| $24,994 | Stated income: | $75,000-$99,999 |
|
Amount delinquent:
| $0 |
Bankcard utilization:
| 87% | | |
|
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| Yes | | |
|
Delinquencies in last 7y:
| 0 | | | | |
|
Screen name:
| benefit-reformer9 |
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
Putting in a new heat pump
We would like to upgrade our heat pump to a high efficency unit and need to borrow $2400 to add to what we have saved ($5000) to make the purchase.
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
460270
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
|
Amount:
| $1,000.00 |
Prosper Rating:
| A |
Auction Duration:
| 7 days
|
|
Term:
| 36 months |
Estimated loss:
| 2.1% | | |
| | | |
|
|
Starting lender yield:
| 6.50% |
Starting borrower rate/APR:
| 7.50% / 11.01% |
Starting monthly payment:
| $31.11 |
| |
|
Auction yield range:
| 3.99% - 6.50% |
Estimated loss impact:
| 2.11% | | |
|
Lender servicing fee:
| 1.00% |
Estimated return:
| 4.39% | | |
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
|
Prosper scores:
| |
First credit line:
| Jan-2005 |
Debt/Income ratio:
| Not calculated |
|
Basic (1-10):
| 9 |
Inquiries last 6m:
| 1 | Employment status: | Full-time employee |
| Enhanced (1-5): | 5 |
Current / open credit lines:
| 8
/
6 | Length of status: | 0y 1m |
|
Credit score:
| 720-739 (May-2010) |
Total credit lines:
| 15 |
Occupation: | Truck Driver |
|
Now delinquent:
| 0 |
Revolving credit balance:
| $4,525 | Stated income: | $1-$24,999 |
|
Amount delinquent:
| $0 |
Bankcard utilization:
| 41% | | |
|
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| Yes | | |
|
Delinquencies in last 7y:
| 0 | | | | |
|
Screen name:
| the_reel_deal_05 |
Borrower's state:
| Georgia |
Borrower's group:
| UtopiaLoans.com - Now Over $1 Million in Closed Loans!! |
Credit and homeownership information was obtained 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:
| 28 ( 100% )
| 720-739 (Latest)
|
|
Principal borrowed:
| $4,100.00 | < 31 days late:
| 0
( 0% )
|
(Apr-2006)
|
|
Principal balance:
| $0.00 |
31+ days late:
| 0
( 0% )
|
|
Total payments billed:
| 28 | | |
Description
Paying off last of debt
Purpose of loan:
This loan will be used to?
clear my debt.
My financial situation:
I am a good candidate for this loan because?im never late on a payment. I have a good credit sore and have borrowed on here before with 100% feedback.
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
460276
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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:
| 8.34% |
Starting borrower rate/APR:
| 9.34% / 11.44% |
Starting monthly payment:
| $159.79 |
| |
|
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:
| Sep-1981 |
Debt/Income ratio:
| 31% |
|
Basic (1-10):
| 9 |
Inquiries last 6m:
| 1 | Employment status: | Full-time employee |
| Enhanced (1-5): | 3 |
Current / open credit lines:
| 11
/
10 | Length of status: | 3y 1m |
|
Credit score:
| 760-779 (May-2010) |
Total credit lines:
| 30 |
Occupation: | Other |
|
Now delinquent:
| 0 |
Revolving credit balance:
| $72,570 | Stated income: | $50,000-$74,999 |
|
Amount delinquent:
| $0 |
Bankcard utilization:
| 54% | | |
|
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| Yes | | |
|
Delinquencies in last 7y:
| 0 | | | | |
|
Screen name:
| coin-agave9 |
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
get rid of debt
Purpose of loan:
This loan will be used to?
Help pay off some credit card debt.
My financial situation:
I am a good candidate for this loan because? I always pay my loans, i have no problem paying my bills i would just like to consolodate things and pay off more quickly.
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
460316
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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:
| Jun-1993 |
Debt/Income ratio:
| 26% |
|
Basic (1-10):
| 2 |
Inquiries last 6m:
| 6 | Employment status: | Full-time employee |
| Enhanced (1-5): | 2 |
Current / open credit lines:
| 20
/
14 | Length of status: | 4y 2m |
|
Credit score:
| 720-739 (May-2010) |
Total credit lines:
| 46 |
Occupation: | Flight Attendant |
|
Now delinquent:
| 0 |
Revolving credit balance:
| $8,907 | Stated income: | $25,000-$49,999 |
|
Amount delinquent:
| $0 |
Bankcard utilization:
| 51% | | |
|
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| Yes | | |
|
Delinquencies in last 7y:
| 0 | | | | |
|
Screen name:
| lovemyyorkie |
Borrower's state:
| Virginia |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Description
PAYING OFF CREDIT CARDS
Purpose of loan:
This loan will be used to? PAY DOWN CREDIT CARD DEBT IN ORDER?TO SAVE FOR FERTILITY TREATMENTS?.???????????
My financial situation:
I am a good candidate for this loan because? I HAVE GOOD CREDIT AND I PAY MY BILLS ON TIME...I AM A TRUSTWORTHY PERSON THAT WILL REPAY THIS LOAN IN FULL.
Monthly net income: $ 3200.00
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
460322
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
|
Amount:
| $9,000.00 |
Prosper Rating:
| D |
Auction Duration:
| 7 days
|
|
Term:
| 36 months |
Estimated loss:
| 10.0% | | |
| | | |
|
|
Starting lender yield:
| 33.00% |
Starting borrower rate/APR:
| 34.00% / 36.44% |
Starting monthly payment:
| $402.05 |
| |
|
Auction yield range:
| 10.99% - 33.00% |
Estimated loss impact:
| 10.84% | | |
|
Lender servicing fee:
| 1.00% |
Estimated return:
| 22.16% | | |
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:
| Sep-1975 |
Debt/Income ratio:
| 114% |
|
Basic (1-10):
| 6 |
Inquiries last 6m:
| 2 | Employment status: | Full-time employee |
| Enhanced (1-5): | 2 |
Current / open credit lines:
| 13
/
12 | Length of status: | 0y 11m |
|
Credit score:
| 700-719 (May-2010) |
Total credit lines:
| 20 |
Occupation: | Executive |
|
Now delinquent:
| 0 |
Revolving credit balance:
| $67,070 | Stated income: | $25,000-$49,999 |
|
Amount delinquent:
| $0 |
Bankcard utilization:
| 54% | | |
|
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| No | | |
|
Delinquencies in last 7y:
| 0 | | | | |
|
Screen name:
| unabashed-finance5 |
Borrower's state:
| Arizona |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Description
Consolidating Credit Cards
Purpose of loan:
This loan will be used to? consolidate and close credit card accounts.????
My financial situation:
I am a good candidate for this loan because?I have 35 years of excellent credit.??My curent?situation occured due to a divorce, relocation, unemployed for 8 months.? I worked for a bank for 15 years,?owned a successful business for 15 years.? When I moved and filed for a divorce, I thought the business?and home would be sold and my settlement would be in excess of $500K.? Unfortunately, the economy became very depressed and our business (convenience store/gas station) depended largely upon?employees of a large copper mine; they?cut their employee base by 50%, which caused many people to move and greatly affected our business.? We have been attempting to sell the business, with no success so far; our home, which would normally appraise at a minimum?of $750,000, appraised at just over $300,000.? I was not willing to accept half of $300,000, when I know the true value of the home.? Consequently, I lived on credit cards for the 8 months that it took me to find a job.? I have paid off close to $30K of this debt, by cashing in an IRA prematurely, and receiving my bank retirement plan prematurely.? I am left with about 3 credit cards and I would like to get them consolidated?and receive a smaller interest rate.? I would never file bankruptcy, nor have I been late on any payments, even though I was "taking from?Peter to pay Paul", so to speak.? I had to use cash advances to live for several months, as?well as purchase everything I needed to set up a home in my new location.? I checked into debt settlement, but found that it was a scam; any person can do exactly what the debt settlement companies charge you to do for you!? I have called various credit card companies about a settlement offer, but they are not interested because I have paid my payments on time.? The only way they will consider a settlement is if you are many months' delinquent, and I am not willing to ruin my credit.? Please note that my debt-to-income ratio, based upon the credit report, is untrue.? My ex-husband pays the mortgage of $1,100/month and the $50K revolving line of credit at Chase Bank, and possibly a credit card.?
Monthly net income: $ 2,045.00
Monthly expenses: $ 1575.00
??Housing: $ 500.
??Insurance: $ 50.
??Car expenses: $100.?
??Utilities: $ 100.
??Phone, cable, internet: $100.
??Food, entertainment: $ 150.
??Clothing, household expenses $75.
??Credit cards and other loans: $ 500.
??Other expenses: $
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
460326
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
|
Amount:
| $22,500.00 |
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:
| $1,017.81 |
| |
|
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-1978 |
Debt/Income ratio:
| 34% |
|
Basic (1-10):
| 1 |
Inquiries last 6m:
| 1 | Employment status: | Full-time employee |
| Enhanced (1-5): | 3 |
Current / open credit lines:
| 10
/
8 | Length of status: | 15y 8m |
|
Credit score:
| 640-659 (May-2010) |
Total credit lines:
| 40 |
Occupation: | Teacher |
|
Now delinquent:
| 2 |
Revolving credit balance:
| $15,935 | Stated income: | $75,000-$99,999 |
|
Amount delinquent:
| $8,960 |
Bankcard utilization:
| 98% | | |
|
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| Yes | | |
|
Delinquencies in last 7y:
| 11 | | | | |
|
Screen name:
| unrivaled-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
Expansion and Inventory Purchase
Purpose of loan:
This loan will be used to?
expand our business of 7 months. We started as a seasonaly business and because of our success, we were asked to stay permanently. We have utilized most of our own personal cash and credit to grow our business. We now have opportunities ot expand even further?and to increase our inventory,?but in order to?do that we need some additional capital to assist us. We are located in a place where we have consistent and steady?traffic for up to 13 hours a day. We need to continue to expand and provide our customers with currrent trends. This loan would be used to increase our inventory, which we must do because we have added a website and to move to a permanent payroll system.
My financial situation:
I am a good candidate for this loan because?
since we started this business last November we have always prided ourselves in establishing and maintaining good payment habits with our creditors. We have now gotten to the point that we have established net 30's with most of our creditors. We have a steady flow of income for our business and we have now even added revenue with our new website. Over the past several months we have increased our monthly sales every month. With this additional money, we would like to expand our inventory, to move to a more pernanent payroll system.
Monthly net income: $ 5500 personal,?? $18000 business
Monthly expenses: $ 3150
??Housing: $ 2000
??Insurance: $ 100
??Car expenses: $ 0
??Utilities: $ 125
??Phone, cable, internet: $ 125
??Food, entertainment: $?200
??Clothing, household expenses $ 100
??Credit cards and other loans: $ 500
??Other expenses: $
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
460332
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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:
| May-1997 |
Debt/Income ratio:
| 9% |
|
Basic (1-10):
| 9 |
Inquiries last 6m:
| 1 | Employment status: | Full-time employee |
| Enhanced (1-5): | 5 |
Current / open credit lines:
| 7
/
6 | Length of status: | 3y 1m |
|
Credit score:
| 700-719 (May-2010) |
Total credit lines:
| 15 |
Occupation: | Analyst |
|
Now delinquent:
| 0 |
Revolving credit balance:
| $5,839 | Stated income: | $50,000-$74,999 |
|
Amount delinquent:
| $0 |
Bankcard utilization:
| 40% | | |
|
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| No | | |
|
Delinquencies in last 7y:
| 3 | | | | |
|
Screen name:
| a-tranquil-liberty |
Borrower's state:
| Utah |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Description
My personal loan
This listing has a higher likelihood to fund and therefore does not include a description. If you would like additional information from this borrower, please ask a question in the Q&A section below.
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
460340
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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:
| 25.0% | | |
| | | |
|
|
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:
| 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-1987 |
Debt/Income ratio:
| Not calculated |
|
Basic (1-10):
| 2 |
Inquiries last 6m:
| 0 | Employment status: | Not employed |
| Enhanced (1-5): | 2 |
Current / open credit lines:
| 0
/
0 | Length of status: | 10y 1m |
|
Credit score:
| 700-719 (May-2010) |
Total credit lines:
| 21 | Stated income: | Not employed |
|
Now delinquent:
| 0 |
Revolving credit balance:
| $0 | |
|
Amount delinquent:
| $86 |
Bankcard utilization:
| 0% | | |
|
Public records last 12m / 10y:
| 0/ 1 |
Homeownership:
| No | | |
|
Delinquencies in last 7y:
| 36 | | | | |
|
Screen name:
| best-statuesque-income |
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
Buying a used wheelchair van
Purpose of loan:
This loan will be used to?
Help purchase a used wheelchair van. I am home bound and this would be a great gift.? I would love to get out every day and get some fresh air and see Spring turn into Summer. Can you help my wish come true?
My financial situation:
I am a good candidate for this loan because?I am presently receiving disability and my expenses are few.
I filed BK several years ago because I was overspending and working three jobs to no avail.? I finally got to ill to work and that was the end of my spending and earnings. The good Lord works in mysterious ways.I learned from my past experience. My parents live next door and care for me as well.
Monthly net income: $
1268
Monthly expenses: $
793
??Housing: $
573
??Insurance: $
0
??Car expenses: $
0
??Utilities: $
200
??Phone, cable, internet: $
0
??Food, entertainment: $
0
??Clothing, household expenses $
0
??Credit cards and other loans: $
0-Thank God!
??Other expenses: $
20 Personal needs expenses.
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
460346
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
|
Amount:
| $5,000.00 |
Prosper Rating:
| B |
Auction Duration:
| 7 days
|
|
Term:
| 36 months |
Estimated loss:
| 5.0% | | |
| | | |
|
|
Starting lender yield:
| 12.85% |
Starting borrower rate/APR:
| 13.85% / 16.01% |
Starting monthly payment:
| $170.52 |
| |
|
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:
| Aug-2001 |
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
/
3 | Length of status: | 3y 8m |
|
Credit score:
| 720-739 (May-2010) |
Total credit lines:
| 4 |
Occupation: | Retail Management |
|
Now delinquent:
| 0 |
Revolving credit balance:
| $2,355 | Stated income: | $25,000-$49,999 |
|
Amount delinquent:
| $0 |
Bankcard utilization:
| 18% | | |
|
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| No | | |
|
Delinquencies in last 7y:
| 0 | | | | |
|
Screen name:
| transparent-finance5 |
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
Motorcycle purchase
Purpose of loan:
Purchase a motorcycle, which I will use for recreation and commuting purposes.????
My financial situation:
I have low monthly expeneses and no other loans or mortgages currently and have the income to support financing, just not enough save up for a large purchase.????????
Monthly net income: $2,100 (after taxes)
Monthly expenses: $ 1,250
??Housing: $ 0
??Insurance: $ 200
??Car expenses: $ 0?????
??Utilities: $ 150
??Phone, cable, internet: $ 150
??Food, entertainment: $ 300
??Clothing, household expenses $ 100
??Credit cards and other loans: $ 150
??Other expenses: $ 200
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
460350
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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 in an HR position.? 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
460386
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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:
| Mar-1992 |
Debt/Income ratio:
| 24% |
|
Basic (1-10):
| 8 |
Inquiries last 6m:
| 1 | Employment status: | Full-time employee |
| Enhanced (1-5): | 4 |
Current / open credit lines:
| 11
/
9 | Length of status: | 21y 7m |
|
Credit score:
| 660-679 (May-2010) |
Total credit lines:
| 37 |
Occupation: | Professional |
|
Now delinquent:
| 0 |
Revolving credit balance:
| $12,368 | Stated income: | $25,000-$49,999 |
|
Amount delinquent:
| $0 |
Bankcard utilization:
| 72% | | |
|
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| Yes | | |
|
Delinquencies in last 7y:
| 7 | | | | |
|
Screen name:
| satisfying-marketplace2 |
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
Roofing and siding replacement
Purpose of loan:
This loan will be used to? replace masonite siding, roofing and deteriorating masonry on our primary home structure. Recent water damage from a plumbing break has caused an insurance claim that will cost us $2500 out of pocket for the deductible and uncovered plumbing repairs.
My financial situation:
I am a good candidate for this loan because?I have a dependable income source?from?20+ years of employment with solid industry-leading distribution company. Wife has full-time income from Food Lion grocery chain. Although credit score is lower than I would like, we do pay our bills, albeit late at times. I have never defaulted on a loan of any kind. I have a beautiful wife and 3 awesome daughters who deserve a sturdy, and safe, living environment. I feel comfortable making a $150-200 monthly payment and plan to obtain an equity line of credit in the next 3 months to pay off this loan.?This will not be feasible?until these renovations are complete as the appraised value would not qualify us for the credit line.
Monthly net income: $ 2800
Monthly expenses: $
??Housing: $ 835
??Insurance: $ 65
??Car expenses: $0
??Utilities: $140?
??Phone, cable, internet: $100?
??Food, entertainment: $500
??Clothing, household expenses $200
??Credit cards and other loans: $500
??Other expenses: $
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
460392
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
|
Amount:
| $2,000.00 |
Prosper Rating:
| C |
Auction Duration:
| 7 days
|
|
Term:
| 36 months |
Estimated loss:
| 6.5% | | |
| | | |
|
|
Starting lender yield:
| 19.07% |
Starting borrower rate/APR:
| 20.07% / 22.31% |
Starting monthly payment:
| $74.40 |
| |
|
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:
| Aug-1984 |
Debt/Income ratio:
| 47% |
|
Basic (1-10):
| 10 |
Inquiries last 6m:
| 0 | Employment status: | Full-time employee |
| Enhanced (1-5): | 3 |
Current / open credit lines:
| 17
/
15 | Length of status: | 12y 2m |
|
Credit score:
| 680-699 (May-2010) |
Total credit lines:
| 32 |
Occupation: | Principal |
|
Now delinquent:
| 0 |
Revolving credit balance:
| $73,207 | Stated income: | $25,000-$49,999 |
|
Amount delinquent:
| $0 |
Bankcard utilization:
| 94% | | |
|
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| Yes | | |
|
Delinquencies in last 7y:
| 0 | | | | |
|
Screen name:
| triumphant-investment |
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
Wedding expenses
Purpose of loan:
This loan will be used to help pay wedding costs for my daughter.? She and her fiance are paying for most of the wedding.? They have saved money for the wedding and it will be a modest wedding.? There are some final expenses that have to be paid for and they need a little extra cash.? Unfortunately because of other family financial responsibilities, I do not have the cash to give them.
My financial situation:
I am a good candidate for this loan because I am very stable.? I have been in the same job for 12 years and in the same house for 12 years.? My husband's income covers a good portion of our expenses.
Monthly net income: $3700
Monthly expenses: $
??Housing: $ 1200????
??Insurance: $ 85????
??Car expenses: $ 200????
??Utilities: $ 250
??Phone, cable, internet: $ 100
??Food, entertainment: $ 300
??Clothing, household expenses $ 100????
??Credit cards and other loans: $ 250
??Other expenses: $
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
460404
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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:
| B |
Auction Duration:
| 7 days
|
|
Term:
| 36 months |
Estimated loss:
| 5.0% | | |
| | | |
|
|
Starting lender yield:
| 12.99% |
Starting borrower rate/APR:
| 13.99% / 16.15% |
Starting monthly payment:
| $205.04 |
| |
|
Auction yield range:
| 5.99% - 12.99% |
Estimated loss impact:
| 5.22% | | |
|
Lender servicing fee:
| 1.00% |
Estimated return:
| 7.77% | | |
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:
| Feb-1990 |
Debt/Income ratio:
| 23% |
|
Basic (1-10):
| 8 |
Inquiries last 6m:
| 0 | Employment status: | Full-time employee |
| Enhanced (1-5): | 3 |
Current / open credit lines:
| 9
/
7 | Length of status: | 4y 1m |
|
Credit score:
| 720-739 (May-2010) |
Total credit lines:
| 42 |
Occupation: | Attorney |
|
Now delinquent:
| 0 |
Revolving credit balance:
| $199,169 | 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:
| pound-hot-rod |
Borrower's state:
| Alabama |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Description
Paying off a debt.
Purpose of loan:
This loan will be used to pay off a debt.
My financial situation:
I am a good candidate for this loan because as you can see I have no?accounts delinquent and I pay my bills on time.???
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
460410
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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:
| Mar-2000 |
Debt/Income ratio:
| Self-employed (DTI Not Calculated) |
|
Basic (1-10):
| 1 |
Inquiries last 6m:
| 6 | Employment status: | Self-employed |
| Enhanced (1-5): | 1 |
Current / open credit lines:
| 12
/
9 | Length of status: | 3y 0m |
|
Credit score:
| 660-679 (May-2010) |
Total credit lines:
| 25 |
Occupation: | Retail Management |
|
Now delinquent:
| 1 |
Revolving credit balance:
| $7,735 | Stated income: | $75,000-$99,999 |
|
Amount delinquent:
| $62 |
Bankcard utilization:
| 89% | | |
|
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| Yes | | |
|
Delinquencies in last 7y:
| 0 | | | | |
|
Screen name:
| bold-kindness-ecstasy |
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
SimplyAsSeenOnTV.com expansion loan
Purpose of loan:
This loan will be used to??
We are trying to get our merchant credit card processing limit raised and?the acquiring bank that is underwriting our merchant account wants 10% of our expected processing amount over the next 6 months to hold in escrow against default. This is something that credit card processors have gone to in the last 2 years to protect themselves in hard economic times. Unfortunately, it makes it harder for small online businesses to expand without needing a large amount of capital. Our existing credit card processor is holding 20% so this is going to be a better situation for us and will free up our prior reserve.
My financial situation:
I am a good candidate for this loan because we actually have?about $28,000 in our current processor's escrow account so once we switch to the new card processor, the $28.000 will be released to us within about 6 months. At that point, we are hoping to pay the loan off quickly. Until then,?we would make the monthly payment. We currently have $60,000 worth of inventory at retail. I'm a homeowner and have approximately $40,000 in?equity on my house.?My house is worth about $300,000.?
Monthly net income: $ 75000
Monthly expenses: $
??Housing: $ 2200
??Insurance: $ 200
??Car expenses: $ 300
??Utilities: $?350
??Phone, cable, internet: $ 120
??Food, entertainment: $ 300
??Clothing, household expenses $ 200
??Credit cards and other loans: $ 300
??Other expenses: $
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
460416
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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:
| 18.0% | | |
| | | |
|
|
Starting lender yield:
| 34.00% |
Starting borrower rate/APR:
| 35.00% / 37.45% |
Starting monthly payment:
| $248.80 |
| |
|
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-1995 |
Debt/Income ratio:
| 25% |
|
Basic (1-10):
| 3 |
Inquiries last 6m:
| 4 | Employment status: | Full-time employee |
| Enhanced (1-5): | 2 |
Current / open credit lines:
| 8
/
5 | Length of status: | 18y 9m |
|
Credit score:
| 720-739 (May-2010) |
Total credit lines:
| 33 |
Occupation: | Military Enlisted |
|
Now delinquent:
| 0 |
Revolving credit balance:
| $7,023 | Stated income: | $50,000-$74,999 |
|
Amount delinquent:
| $0 |
Bankcard utilization:
| 93% | | |
|
Public records last 12m / 10y:
| 0/ 1 |
Homeownership:
| Yes | | |
|
Delinquencies in last 7y:
| 20 | | | | |
|
Screen name:
| compatible-coin6 |
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
Cosolidate my Credit Cards
Purpose of loan:
This loan will be used to?
This loan will be used to pay off a high APR credit cards that are left over from my divorce?and give me a peace of mind it is taken care of prior to me deploying for 2 years and also to help me resod my yard which the HOA have been sending me notices to do since we had a?numerious freezes here over the winter it has killed my grass.?I will set up a allotment to guarantee the loan payment is made each month and to ensure the loan is repayed with in 2 years. Thank you to all who bid and in helping me with this.
My financial situation:
I am a good candidate for this loan because?
I am a hard working American soldier and I am 100% trust worthy to repay what I borrow.
Monthly net income: $
4700.00
Monthly expenses: $
??Housing: $?2000
??Insurance: $ 100
??Car expenses: $ 0
??Utilities: $?150
??Phone, cable, internet: $ 75
??Food, entertainment: $?300
??Clothing, household expenses $ 200
??Credit cards and other loans: $ 300
??Other expenses: $ 0
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
460422
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
|
Amount:
| $3,000.00 |
Prosper Rating:
| E |
Auction Duration:
| 7 days
|
|
Term:
| 36 months |
Estimated loss:
| 14.7% | | |
| | | |
|
|
Starting lender yield:
| 34.00% |
Starting borrower rate/APR:
| 35.00% / 37.45% |
Starting monthly payment:
| $135.71 |
| |
|
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:
| Feb-1982 |
Debt/Income ratio:
| 26% |
|
Basic (1-10):
| 8 |
Inquiries last 6m:
| 2 | Employment status: | Full-time employee |
| Enhanced (1-5): | 3 |
Current / open credit lines:
| 16
/
15 | Length of status: | 12y 3m |
|
Credit score:
| 620-639 (May-2010) |
Total credit lines:
| 34 |
Occupation: | Professional |
|
Now delinquent:
| 0 |
Revolving credit balance:
| $14,018 | Stated income: | $75,000-$99,999 |
|
Amount delinquent:
| $0 |
Bankcard utilization:
| 94% | | |
|
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| Yes | | |
|
Delinquencies in last 7y:
| 0 | | | | |
|
Screen name:
| ROSE1132 |
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:
| 24 ( 100% )
| 620-639 (Latest)
|
|
Principal borrowed:
| $6,000.00 | < 31 days late:
| 0
( 0% )
| 600-619
(Apr-2008)
600-619
(Mar-2008)
|
|
Principal balance:
| $2,315.89 |
31+ days late:
| 0
( 0% )
|
|
Total payments billed:
| 24 | | |
Description
Need to pay taxes
Purpose of loan:
This loan will be used to pay?my taxes and want to avoid additional penalties and interest.
My financial situation:
I am a good candidate for this loan because I have one other Prosper loan which has never been late, and is almost paid off.
Monthly net income: $ 6500.00
Monthly expenses: $
??Housing: $ 1300.00
??Insurance: $ 115.00
??Car expenses: $ 100.00
??Utilities: $ 0
??Phone, cable, internet: $25.00?
??Food, entertainment: $ 100.00
??Clothing, household expenses $?0
??Credit cards and other loans: $ 400.00
??Other expenses: $
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
460428
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
|
Amount:
| $3,200.00 |
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:
| $144.76 |
| |
|
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:
| Jan-1994 |
Debt/Income ratio:
| 15% |
|
Basic (1-10):
| 1 |
Inquiries last 6m:
| 9 | Employment status: | Full-time employee |
| Enhanced (1-5): | 3 |
Current / open credit lines:
| 14
/
9 | Length of status: | 22y 7m |
|
Credit score:
| 640-659 (May-2010) |
Total credit lines:
| 29 |
Occupation: | Administrative Assi... |
|
Now delinquent:
| 1 |
Revolving credit balance:
| $189 | Stated income: | $75,000-$99,999 |
|
Amount delinquent:
| $0 |
Bankcard utilization:
| 22% | | |
|
Public records last 12m / 10y:
| 0/ 1 |
Homeownership:
| No | | |
|
Delinquencies in last 7y:
| 7 | | | | |
|
Screen name:
| dynamic-durability6 |
Borrower's state:
| Texas |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Description
Paying off credit cards.
Purpose of loan:
This loan will be used to? pay off credit cards and other bills and maybe a mini vacation for me and my girls.
My financial situation:
I am a good candidate for this loan because? I'm fully capable of repaying the loan in a timely manner.?
Monthly net income: $ 5000
Monthly expenses: $
??Housing: $ 1685
??Insurance: $ 150
??Car expenses: $?500
??Utilities: $ 300
??Phone, cable, internet: $?80
??Food, entertainment: $ 200
??Clothing, household expenses $ 300
??Credit cards and other loans: $ 300
??Other expenses: $
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
460434
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
|
Amount:
| $1,500.00 |
Prosper Rating:
| HR |
Auction Duration:
| 7 days
|
|
Term:
| 36 months |
Estimated loss:
| 18.0% | | |
| | | |
|
|
Starting lender yield:
| 34.00% |
Starting borrower rate/APR:
| 35.00% / 37.73% |
Starting monthly payment:
| $67.85 |
| |
|
Auction yield range:
| 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-2006 |
Debt/Income ratio:
| Not calculated |
|
Basic (1-10):
| 4 |
Inquiries last 6m:
| 2 | Employment status: | Full-time employee |
| Enhanced (1-5): | 3 |
Current / open credit lines:
| 6
/
6 | Length of status: | 2y 0m |
|
Credit score:
| 640-659 (May-2010) |
Total credit lines:
| 6 |
Occupation: | Other |
|
Now delinquent:
| 0 |
Revolving credit balance:
| $5,624 | Stated income: | $25,000-$49,999 |
|
Amount delinquent:
| $0 |
Bankcard utilization:
| 99% | | |
|
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| Yes | | |
|
Delinquencies in last 7y:
| 0 | | | | |
|
Screen name:
| unequivocal-return1 |
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
Putting in new floors
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
460440
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
|
Amount:
| $8,300.00 |
Prosper Rating:
| HR |
Auction Duration:
| 7 days
|
|
Term:
| 36 months |
Estimated loss:
| 34.5% | | |
| | | |
|
|
Starting lender yield:
| 24.00% |
Starting borrower rate/APR:
| 25.00% / 27.31% |
Starting monthly payment:
| $330.01 |
| |
|
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-1994 |
Debt/Income ratio:
| 51% |
|
Basic (1-10):
| 1 |
Inquiries last 6m:
| 4 | Employment status: | Full-time employee |
| Enhanced (1-5): | 2 |
Current / open credit lines:
| 15
/
11 | Length of status: | 3y 1m |
|
Credit score:
| 700-719 (May-2010) |
Total credit lines:
| 46 |
Occupation: | Professional |
|
Now delinquent:
| 0 |
Revolving credit balance:
| $7,720 | Stated income: | $50,000-$74,999 |
|
Amount delinquent:
| $0 |
Bankcard utilization:
| 97% | | |
|
Public records last 12m / 10y:
| 0/ 1 |
Homeownership:
| Yes | | |
|
Delinquencies in last 7y:
| 0 | | | | |
|
Screen name:
| fcash777 |
Borrower's state:
| Washington |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
| Loan history | Payment history | Credit score history |
|
Active / total loans:
| 0 / 2 |
On-time:
| 26 ( 100% )
| 700-719 (Latest)
|
|
Principal borrowed:
| $14,775.00 | < 31 days late:
| 0
( 0% )
| 620-639
(Sep-2009)
640-659
(Aug-2009)
620-639
(Jul-2009)
620-639
(Apr-2009)
|
|
Principal balance:
| $0.03 |
31+ days late:
| 0
( 0% )
|
|
Total payments billed:
| 26 | | |
Description
715 Credit Score, NOT HR, BK 7+ yrs
Purpose of loan:
I would like to pay off my Dell loan and 1 credit card to obtain a lower interest rate which paid for my wedding ( credit card equaling 6000.00, Dell equaling 2000.00). Not a High Risk loan. 2 Prosper loans paid in full already. My credit is very important to me and currently have a?score in the 700's as you can see. They only?rate me as HR due to a bankruptcy I had over 7 years?ago and have?had perfect credit since.?
My financial situation:
I currently gross 55,703.00 a year. Monthly is 4658.58 and my wife has a gross income of 55,950.00. We clearly make?enough money to support this loan, but would like to pay less in interest. The last?7 1/2 years (since the bankruptcy) I have never been late on any payments and have had perfect credit since. Unfortunately the bankruptcy is keeping my credit score down which is why I'm rated low on this site. I am a safe bet for investors, just look at my current history. I have proven this by always paying on time with my past prosper loans and ALL my bills since the bankruptcy in 2003.
I have been in the same field of work for 10 years and love what I do. I have had a great professional relationship with my current jobs CEO and executives for the last?6 years which is why they asked me to come join their team a few years ago. My job is very stable. Thanks again for your time.
Monthly net income: $
3,450.00 and 3,600.00 from my wife
Monthly expenses: $
??Housing: $ 1999.00
??Insurance: $ 97.00
??Car expenses: $ 769.00? Gas 200.00
??Utilities: $ 120.00
??Phone, cable, internet: $ 99.00
??Food, entertainment: $ 400.00
??Clothing, household expenses $ 169.00
??Credit cards and other loans: $2000 Capital One, 2000 Juniper,?2000 Alaska CC. 2000 Dell
??Other expenses: $
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
460452
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
|
Amount:
| $5,000.00 |
Prosper Rating:
| B |
Auction Duration:
| 7 days
|
|
Term:
| 36 months |
Estimated loss:
| 5.0% | | |
| | | |
|
|
Starting lender yield:
| 12.85% |
Starting borrower rate/APR:
| 13.85% / 16.01% |
Starting monthly payment:
| $170.52 |
| |
|
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:
| Dec-1997 |
Debt/Income ratio:
| 10% |
|
Basic (1-10):
| 8 |
Inquiries last 6m:
| 0 | Employment status: | Full-time employee |
| Enhanced (1-5): | 5 |
Current / open credit lines:
| 13
/
13 | Length of status: | 11y 7m |
|
Credit score:
| 720-739 (May-2010) |
Total credit lines:
| 35 |
Occupation: | Other |
|
Now delinquent:
| 0 |
Revolving credit balance:
| $2,567 | Stated income: | $50,000-$74,999 |
|
Amount delinquent:
| $0 |
Bankcard utilization:
| 28% | | |
|
Public records last 12m / 10y:
| 0/ 1 |
Homeownership:
| No | | |
|
Delinquencies in last 7y:
| 0 | | | | |
|
Screen name:
| dynamic-bill |
Borrower's state:
| Alabama |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
| Loan history | Payment history | Credit score history |
|
Active / total loans:
| 1 / 1 |
On-time:
| 9 ( 100% )
| 720-739 (Latest)
|
|
Principal borrowed:
| $2,000.00 | < 31 days late:
| 0
( 0% )
| 740-759
(Jul-2009)
660-679
(Apr-2009)
|
|
Principal balance:
| $1,522.94 |
31+ days late:
| 0
( 0% )
|
|
Total payments billed:
| 9 | | |
Description
Paying of credit cards
Purpose of loan:
I would like to consolidate three high interest credit cards and my student loan.
My financial situation:
I am a good candidate for this loan because?I have worked really hard to build my credit after a nasty divorce. I have purchased 2 cars?on credit?and paid them off. ?I currently don't have much debt at all but the debt I do have has very high interest rates.
Monthly net income: $ 2500
Monthly expenses: $?1700?is what?I?budget every month.??
??Housing: $ 850
??Insurance: $ 40
??Car expenses: $ 0 car is paid?for
??Utilities: $?85.00? (?I just went on the budget planning with power company so finally a consistent bill)
??Phone, cable, internet: $ 100
??Food, entertainment: $ 300
??Clothing, household expenses $ 60
??Credit cards and other loans: $ 200 i would like to consolidate these into one payment hopefully less than this but surely no more than $200 a month.
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
460458
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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:
| 27.39% |
Starting borrower rate/APR:
| 28.39% / 30.74% |
Starting monthly payment:
| $1,039.36 |
| |
|
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:
| Jan-1987 |
Debt/Income ratio:
| 22% |
|
Basic (1-10):
| 6 |
Inquiries last 6m:
| 2 | Employment status: | Full-time employee |
| Enhanced (1-5): | 3 |
Current / open credit lines:
| 16
/
14 | Length of status: | 9y 4m |
|
Credit score:
| 760-779 (May-2010) |
Total credit lines:
| 43 |
Occupation: | Professional |
|
Now delinquent:
| 0 |
Revolving credit balance:
| $121,212 | Stated income: | $100,000+ |
|
Amount delinquent:
| $0 |
Bankcard utilization:
| 46% | | |
|
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| Yes | | |
|
Delinquencies in last 7y:
| 0 | | | | |
|
Screen name:
| open-minded-contract8 |
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
Pay off 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
460476
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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:
| 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:
| $153.47 |
| |
|
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:
| Dec-1980 |
Debt/Income ratio:
| Self-employed (DTI Not Calculated) |
|
Basic (1-10):
| 8 |
Inquiries last 6m:
| 0 | Employment status: | Self-employed |
| Enhanced (1-5): | 5 |
Current / open credit lines:
| 4
/
3 | Length of status: | 24y 11m |
|
Credit score:
| 720-739 (May-2010) |
Total credit lines:
| 13 |
Occupation: | Other |
|
Now delinquent:
| 0 |
Revolving credit balance:
| $10,155 | Stated income: | $25,000-$49,999 |
|
Amount delinquent:
| $0 |
Bankcard utilization:
| 58% | | |
|
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| No | | |
|
Delinquencies in last 7y:
| 0 | | | | |
|
Screen name:
| thecleaner |
Borrower's state:
| Oregon |
Borrower's group:
| Virtual Lending 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 / 2 |
On-time:
| 36 ( 100% )
| 720-739 (Latest)
|
|
Principal borrowed:
| $7,350.00 | < 31 days late:
| 0
( 0% )
| 700-719
(Apr-2008)
740-759
(Jun-2007)
|
|
Principal balance:
| $0.00 |
31+ days late:
| 0
( 0% )
|
|
Total payments billed:
| 36 | | |
Description
business
Purpose of loan:
This loan will be used to? expand business
My financial situation:
I am a good candidate for this loan because?repaid past loans with no lates or missed payments
Monthly net income: $ 3901
Monthly expenses: $
??Housing: $473
??Insurance: $30
??Car expenses: $just gas & oil $120
??Utilities: $ 126.10 electric
??Phone, cable, internet: $ $37.99 dsl $72.00 phone
??Food, entertainment: $ 420 month
??Clothing, household expenses $ 15.00
??Credit cards and other loans: $ 201.00
??Other expenses: $ biz ins. 48.00 month
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
460488
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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:
| 25.0% | | |
| | | |
|
|
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:
| 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-1984 |
Debt/Income ratio:
| Not calculated |
|
Basic (1-10):
| 2 |
Inquiries last 6m:
| 7 | Employment status: | Full-time employee |
| Enhanced (1-5): | 3 |
Current / open credit lines:
| 18
/
15 | Length of status: | 0y 4m |
|
Credit score:
| 660-679 (May-2010) |
Total credit lines:
| 29 |
Occupation: | Food Service |
|
Now delinquent:
| 0 |
Revolving credit balance:
| $13,128 | Stated income: | $25,000-$49,999 |
|
Amount delinquent:
| $0 |
Bankcard utilization:
| 88% | | |
|
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| No | | |
|
Delinquencies in last 7y:
| 0 | | | | |
|
Screen name:
| enriching-interest3 |
Borrower's state:
| Pennsylvania |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Description
Reliable credit worthy person
Hello - This loan is for to help with paying off $1000 on a credit card because the promotional deal is up and i will be charged a high interested rate going back on total purchase going back a year. $800 is for some work on my car and then to have it inspected.
I have had stable job history and have income. I also rent with friends and fiancee and housing bills are very minimal. Also the credit lines I have open are with me and my fiancee. Her income is $60k + a year depending on bonuses and can provide proof if you would like.
I will pay back this loan. I take care of my credit and I am very very responsible.
Thanks for looking and for your help if you are able.
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
457947
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
|
Amount:
| $7,000.00 |
Prosper Rating:
| HR |
Auction Duration:
| 7 days
|
|
Term:
| 36 months |
Estimated loss:
| 34.5% | | |
| | | |
|
|
Starting lender yield:
| 34.00% |
Starting borrower rate/APR:
| 35.00% / 37.45% |
Starting monthly payment:
| $316.65 |
| |
|
Auction yield range:
| 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:
| Sep-1979 |
Debt/Income ratio:
| Self-employed (DTI Not Calculated) |
|
Basic (1-10):
| 1 |
Inquiries last 6m:
| 9 | Employment status: | Self-employed |
| Enhanced (1-5): | 1 |
Current / open credit lines:
| 6
/
6 | Length of status: | 8y 7m |
|
Credit score:
| 700-719 (May-2010) |
Total credit lines:
| 17 |
Occupation: | Analyst |
|
Now delinquent:
| 0 |
Revolving credit balance:
| $23,763 | Stated income: | $100,000+ |
|
Amount delinquent:
| $0 |
Bankcard utilization:
| 90% | | |
|
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| Yes | | |
|
Delinquencies in last 7y:
| 0 | | | | |
|
Screen name:
| integrity-keeper8 |
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 my 85 year old Mom out
Purpose of loan:
This loan will be used to help my Mother In law out.
My financial situation:
I am a good candidate for this loan because?
I have an excellent credit history and I pay my bills on time
Monthly net income: $ 8,000
Monthly expenses: $
??Housing: $ 2000
??Insurance: $ 120
??Car expenses: $ 200
??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
460099
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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:
| Jan-1983 |
Debt/Income ratio:
| 31% |
|
Basic (1-10):
| 6 |
Inquiries last 6m:
| 3 | Employment status: | Full-time employee |
| Enhanced (1-5): | 2 |
Current / open credit lines:
| 15
/
15 | Length of status: | 18y 0m |
|
Credit score:
| 660-679 (May-2010) |
Total credit lines:
| 43 |
Occupation: | Professional |
|
Now delinquent:
| 0 |
Revolving credit balance:
| $47,615 | Stated income: | $100,000+ |
|
Amount delinquent:
| $0 |
Bankcard utilization:
| 72% | | |
|
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| Yes | | |
|
Delinquencies in last 7y:
| 0 | | | | |
|
Screen name:
| rate-sprout |
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 for college
Purpose of loan:
This loan will be used to supplement college tuition.?
My financial situation:
I am a good candidate for this loan because I generally pay my bills on time and I have a secondary income(structural engineer) valued around $60,000.?
Monthly net income: $ 10,000
Monthly expenses: $
??Housing: $ 2700
??Insurance: $ 330
??Car expenses:?300
??Utilities: $ 450
??Phone, cable, internet: $ 700
??Food, entertainment: $ 600
??Clothing, household expenses $ 100
??Credit cards and other loans: $?3000
??Other expenses: $
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
460115
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
|
Amount:
| $10,000.00 |
Prosper Rating:
| D |
Auction Duration:
| 7 days
|
|
Term:
| 36 months |
Estimated loss:
| 10.0% | | |
| | | |
|
|
Starting lender yield:
| 20.99% |
Starting borrower rate/APR:
| 21.99% / 24.25% |
Starting monthly payment:
| $381.85 |
| |
|
Auction yield range:
| 10.99% - 20.99% |
Estimated loss impact:
| 10.51% | | |
|
Lender servicing fee:
| 1.00% |
Estimated return:
| 10.48% | | |
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
|
Prosper scores:
| |
First credit line:
| Aug-1995 |
Debt/Income ratio:
| 25% |
|
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: | 3y 11m |
|
Credit score:
| 700-719 (May-2010) |
Total credit lines:
| 19 |
Occupation: | Police Officer/Corr... |
|
Now delinquent:
| 0 |
Revolving credit balance:
| $10,767 | Stated income: | $25,000-$49,999 |
|
Amount delinquent:
| $0 |
Bankcard utilization:
| 71% | | |
|
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| No | | |
|
Delinquencies in last 7y:
| 0 | | | | |
|
Screen name:
| durability-xylophone |
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
Finance my wedding
Purpose of loan:
Finance my wedding.? My fiance and I are getting married on July 17, 2010.
My financial situation:
I am a good candidate for this loan because I?will pay the loan back.?
Monthly net income: $ 3,500
Monthly expenses: $
??Housing: $ 679.00
??Insurance: $ 100.00
??Car expenses: $ 300.00
??Utilities: $ 50.00
??Phone, cable, internet: $ 106.00
??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
460153
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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:
| 6.5% | | |
| | | |
|
|
Starting lender yield:
| 18.00% |
Starting borrower rate/APR:
| 19.00% / 21.22% |
Starting monthly payment:
| $109.97 |
| |
|
Auction yield range:
| 7.99% - 18.00% |
Estimated loss impact:
| 6.92% | | |
|
Lender servicing fee:
| 1.00% |
Estimated return:
| 11.08% | | |
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:
| Jun-1993 |
Debt/Income ratio:
| 8% |
|
Basic (1-10):
| 9 |
Inquiries last 6m:
| 0 | Employment status: | Full-time employee |
| Enhanced (1-5): | 5 |
Current / open credit lines:
| 11
/
12 | Length of status: | 2y 2m |
|
Credit score:
| 660-679 (May-2010) |
Total credit lines:
| 16 |
Occupation: | Professional |
|
Now delinquent:
| 1 |
Revolving credit balance:
| $13,904 | Stated income: | $100,000+ |
|
Amount delinquent:
| $20 |
Bankcard utilization:
| 63% | | |
|
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| No | | |
|
Delinquencies in last 7y:
| 0 | | | | |
|
Screen name:
| trustworthy-peso5 |
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 debt consolidation
This listing has a higher likelihood to fund and therefore does not include a description. If you would like additional information from this borrower, please ask a question in the Q&A section below.
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
460159
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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:
| 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:
| $221.68 |
| |
|
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:
| Dec-1995 |
Debt/Income ratio:
| 117% |
|
Basic (1-10):
| 8 |
Inquiries last 6m:
| 1 | Employment status: | Full-time employee |
| Enhanced (1-5): | 4 |
Current / open credit lines:
| 15
/
15 | Length of status: | 4y 9m |
|
Credit score:
| 740-759 (May-2010) |
Total credit lines:
| 29 |
Occupation: | Clerical |
|
Now delinquent:
| 0 |
Revolving credit balance:
| $28,920 | Stated income: | $1-$24,999 |
|
Amount delinquent:
| $0 |
Bankcard utilization:
| 31% | | |
|
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| Yes | | |
|
Delinquencies in last 7y:
| 0 | | | | |
|
Screen name:
| mindful-rupee4 |
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
Combining into one payment!
Purpose of loan:
I am wanting too take four small loans with different interest rates and due dates and combine them into one onthly payment!.
My financial situation:
I am a good candidate for this loan because I have ALWAYS paid my bills on time and will do the same with this loan.
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
460165
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
|
Amount:
| $5,000.00 |
Prosper Rating:
| B |
Auction Duration:
| 7 days
|
|
Term:
| 36 months |
Estimated loss:
| 5.0% | | |
| | | |
|
|
Starting lender yield:
| 9.00% |
Starting borrower rate/APR:
| 10.00% / 12.11% |
Starting monthly payment:
| $161.34 |
| |
|
Auction yield range:
| 5.99% - 9.00% |
Estimated loss impact:
| 5.14% | | |
|
Lender servicing fee:
| 1.00% |
Estimated return:
| 3.86% | | |
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
|
Prosper scores:
| |
First credit line:
| May-1974 |
Debt/Income ratio:
| 24% |
|
Basic (1-10):
| 8 |
Inquiries last 6m:
| 0 | Employment status: | Full-time employee |
| Enhanced (1-5): | 5 |
Current / open credit lines:
| 13
/
9 | Length of status: | 18y 10m |
|
Credit score:
| 740-759 (May-2010) |
Total credit lines:
| 31 |
Occupation: | Administrative Assi... |
|
Now delinquent:
| 0 |
Revolving credit balance:
| $27,422 | Stated income: | $50,000-$74,999 |
|
Amount delinquent:
| $0 |
Bankcard utilization:
| 74% | | |
|
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| No | | |
|
Delinquencies in last 7y:
| 1 | | | | |
|
Screen name:
| credit-halo9 |
Borrower's state:
| Illinois |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Description
paying off my credit cards
Purpose of loan:
This loan will be used to?
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
460171
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
|
Amount:
| $6,000.00 |
Prosper Rating:
| HR |
Auction Duration:
| 7 days
|
|
Term:
| 36 months |
Estimated loss:
| 18.0% | | |
| | | |
|
|
Starting lender yield:
| 34.00% |
Starting borrower rate/APR:
| 35.00% / 37.45% |
Starting monthly payment:
| $271.42 |
| |
|
Auction yield range:
| 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-1990 |
Debt/Income ratio:
| 10% |
|
Basic (1-10):
| 4 |
Inquiries last 6m:
| 1 | Employment status: | Part-time employee |
| Enhanced (1-5): | 2 |
Current / open credit lines:
| 2
/
1 | Length of status: | 12y 2m |
|
Credit score:
| 700-719 (May-2010) |
Total credit lines:
| 16 |
Occupation: | Administrative Assi... |
|
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:
| Yes | | |
|
Delinquencies in last 7y:
| 0 | | | | |
|
Screen name:
| vigilance-mammal0 |
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
My personal loan
Purpose of loan:
This loan will be used to? help my son with living expenses while he finishes school
My financial situation:
I am a good candidate for this loan because?I have a high net worth, with substantial liquid assets.? This is something I want to do on my own; not something I want to withdraw from our joint investment assets.? I have lived in my home for 25 years and have paid all my bills on time and been resopnsible.???
Monthly net income: $ 1880.00, however, my husband and I have income from interest, dividends and capital gains, as well as his income.? Our AGI on our 2009 tax return is over $300,000????????
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
460175
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
|
Amount:
| $6,000.00 |
Prosper Rating:
| E |
Auction Duration:
| 7 days
|
|
Term:
| 36 months |
Estimated loss:
| 14.0% | | |
| | | |
|
|
Starting lender yield:
| 13.99% |
Starting borrower rate/APR:
| 14.99% / 17.16% |
Starting monthly payment:
| $207.96 |
| |
|
Auction yield range:
| 13.99% - 13.99% |
Estimated loss impact:
| 14.60% | | |
|
Lender servicing fee:
| 1.00% |
Estimated return:
| -0.61% | | |
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
|
Prosper scores:
| |
First credit line:
| Jul-1999 |
Debt/Income ratio:
| 12% |
|
Basic (1-10):
| 6 |
Inquiries last 6m:
| 0 | Employment status: | Full-time employee |
| Enhanced (1-5): | 5 |
Current / open credit lines:
| 4
/
4 | Length of status: | 6y 9m |
|
Credit score:
| 680-699 (May-2010) |
Total credit lines:
| 8 |
Occupation: | Teacher |
|
Now delinquent:
| 0 |
Revolving credit balance:
| $13,324 | Stated income: | $50,000-$74,999 |
|
Amount delinquent:
| $0 |
Bankcard utilization:
| 97% | | |
|
Public records last 12m / 10y:
| 0/ 1 |
Homeownership:
| Yes | | |
|
Delinquencies in last 7y:
| 0 | | | | |
|
Screen name:
| affluence-tower |
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 personal loan
this loan will be used to help pay for my wedding?
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
460181
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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:
| 18.90% |
Starting borrower rate/APR:
| 19.90% / 22.14% |
Starting monthly payment:
| $371.13 |
| |
|
Auction yield range:
| 16.99% - 18.90% |
Estimated loss impact:
| 26.06% | | |
|
Lender servicing fee:
| 1.00% |
Estimated return:
| -7.16% | | |
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:
| Mar-1998 |
Debt/Income ratio:
| 41% |
|
Basic (1-10):
| 2 |
Inquiries last 6m:
| 5 | Employment status: | Full-time employee |
| Enhanced (1-5): | 1 |
Current / open credit lines:
| 8
/
7 | Length of status: | 4y 2m |
|
Credit score:
| 680-699 (May-2010) |
Total credit lines:
| 20 |
Occupation: | Sales - Retail |
|
Now delinquent:
| 0 |
Revolving credit balance:
| $9,047 | Stated income: | $25,000-$49,999 |
|
Amount delinquent:
| $0 |
Bankcard utilization:
| 69% | | |
|
Public records last 12m / 10y:
| 0/ 1 |
Homeownership:
| Yes | | |
|
Delinquencies in last 7y:
| 0 | | | | |
|
Screen name:
| shrewd-money |
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
Pay off my credit cards
Purpose of loan:
This loan will be used to?
pay off all my credit cards(4) which I have continued to use over the last year to pay bills?after a drastic pay decrease.
My financial situation:
I am a good candidate for this loan because?throughout the tough times and loss of income I have not missed one payment on any of my current bills including home mortgage with all utilities as well as my credit cards.
Monthly net income: $ 2800
Monthly expenses: $
??Housing: $ 1700
??Insurance: $110
??Car expenses: $0
??Utilities: $400
??Phone, cable, internet: $100?
??Food, entertainment: $350
??Clothing, household expenses $50?
??Credit cards and other loans: $
??Other expenses: $
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
460187
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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:
| 19.0% | | |
| | | |
|
|
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:
| 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:
| Oct-1995 |
Debt/Income ratio:
| 11% |
|
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: | 25y 4m |
|
Credit score:
| 600-619 (May-2010) |
Total credit lines:
| 43 |
Occupation: | Professional |
|
Now delinquent:
| 2 |
Revolving credit balance:
| $4,161 | Stated income: | $100,000+ |
|
Amount delinquent:
| $18,828 |
Bankcard utilization:
| 95% | | |
|
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| Yes | | |
|
Delinquencies in last 7y:
| 7 | | | | |
|
Screen name:
| stjresources |
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:
| 1 / 1 |
On-time:
| 23 ( 100% )
| 600-619 (Latest)
|
|
Principal borrowed:
| $2,500.00 | < 31 days late:
| 0
( 0% )
| 600-619
(Apr-2010)
600-619
(May-2008)
600-619
(Apr-2008)
|
|
Principal balance:
| $376.04 |
31+ days late:
| 0
( 0% )
|
|
Total payments billed:
| 23 | | |
Description
Behind in mortgage payments
Purpose of loan:
This loan will be used to?pay for to catch up on my mortgage and gas and electric payments. I tried to save money by switching from Baltimore Gas & Electric to another provider. The new provider did not have budget billing, as did BG&E. I ended up with a one month Gas and Electric bill totaling 1184.00. I changed back to BGE, but the process took 2 months. My next bill was $700.00. I used my income tax return to pay down the high BGE bill or have my service terminated. Much too cold this winter for that. The income tax was supposed to be used to catch up on the mortgage; I was and am running one month behind. None of the new programs help you until you are 3 months behind, then you have to take the chance you will be approved.??It seemed all of my credit cards went berserk over the winter months, probably trying to beat the new credit card laws.? My elderly?parents (77 and 90) had?severe health problems over the winter months resulting in high cell phone bills- calls to doctors, nurses, rehabilitation facilities, mobility rides to appointments, special medication, etc. The cell phone bill went from 104 to 241 to 365.?I had to pay those so my parents could keep in touch.??Everything seems to have calmed down now.?Social services is helping to pay for the medicals and I added?my parents' phone onto a special plan so all calls to and from them are free.? This loan?along with my pay will enable me to?catch up on both the BGE and the mortgage and stay current.?I have a previous loan with Prosper, which was 2500.00. It has?been paid on time each month and is now down to less than 300.00.??
Monthly net income: $ 6,000.
Monthly expenses: $
??Housing: $ 2077
??Insurance: $ 52.00 (Life)
??Car expenses: $?145 (insurance) 80. (Gas)
??Utilities: $?563.0(budget billing)
??Phone, cable, internet: $ 139.?+214. +171.
??Food, entertainment: $ 100.00.
??Clothing, household expenses $ 80.00
??Credit cards and other loans: $ 130.00
??Other expenses: $ 100.00
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
460189
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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:
| Aug-1967 |
Debt/Income ratio:
| 10% |
|
Basic (1-10):
| 8 |
Inquiries last 6m:
| 2 | Employment status: | Full-time employee |
| Enhanced (1-5): | 5 |
Current / open credit lines:
| 8
/
8 | Length of status: | 4y 1m |
|
Credit score:
| 760-779 (May-2010) |
Total credit lines:
| 16 |
Occupation: | Investor |
|
Now delinquent:
| 0 |
Revolving credit balance:
| $8,756 | Stated income: | $50,000-$74,999 |
|
Amount delinquent:
| $0 |
Bankcard utilization:
| 26% | | |
|
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| No | | |
|
Delinquencies in last 7y:
| 0 | | | | |
|
Screen name:
| hope-nexus2 |
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
Safe Debt Consolidation
Purpose of loan:
This loan will be to consolidate my various credit card debts at more reasonable interest rates.
My financial situation:
I am in a very good financial situation currently. No car loans, very good credit, homeowner. I am very reliable about my monthly payments.
About me:
I have a very stable job in management at a multinational investment firm in Century City, (Los Angeles) CA. I am a sophisticated investor, skilled in financial operations, and really like the idea of this site and service.
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
460193
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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:
| C |
Auction Duration:
| 7 days
|
|
Term:
| 36 months |
Estimated loss:
| 6.5% | | |
| | | |
|
|
Starting lender yield:
| 9.00% |
Starting borrower rate/APR:
| 10.00% / 12.11% |
Starting monthly payment:
| $145.20 |
| |
|
Auction yield range:
| 7.99% - 9.00% |
Estimated loss impact:
| 6.68% | | |
|
Lender servicing fee:
| 1.00% |
Estimated return:
| 2.32% | | |
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
|
Prosper scores:
| |
First credit line:
| Sep-2005 |
Debt/Income ratio:
| 16% |
|
Basic (1-10):
| 9 |
Inquiries last 6m:
| 3 | Employment status: | Full-time employee |
| Enhanced (1-5): | 5 |
Current / open credit lines:
| 13
/
13 | Length of status: | 6y 11m |
|
Credit score:
| 660-679 (May-2010) |
Total credit lines:
| 23 |
Occupation: | Computer Programmer |
|
Now delinquent:
| 0 |
Revolving credit balance:
| $11,395 | Stated income: | $50,000-$74,999 |
|
Amount delinquent:
| $0 |
Bankcard utilization:
| 38% | | |
|
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| No | | |
|
Delinquencies in last 7y:
| 0 | | | | |
|
Screen name:
| urbane-loyalty |
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
Join Investment Business
Purpose of loan: I am running?investment business since last five years. On average I am making
20% returns on my investments. Currently net worth of my portfolio is around
$100,000 and it is invested in diversified markets and sectors. I?ve. I rank
among top 99% members at motley fool investors community. Proceeds from this
loan will be used for investment purpose. I?ve done my masters in engineering from .
I?ve stable job and no sign of stress in my financial position. You can google
my name verify my credentials. My all investments are in highly liquid quality
stocks hence chances of default are almost zero. Monthly net income: $6,500
Monthly expenses: Housing:$ 535; Utilities:$ 90; Phone, cable, internet:$100; Food, entertainment $450; Clothing, household expenses$100; Credit cards and other loans:$650undefined
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
460199
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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:
| B |
Auction Duration:
| 7 days
|
|
Term:
| 36 months |
Estimated loss:
| 5.0% | | |
| | | |
|
|
Starting lender yield:
| 14.99% |
Starting borrower rate/APR:
| 15.99% / 18.17% |
Starting monthly payment:
| $527.28 |
| |
|
Auction yield range:
| 5.99% - 14.99% |
Estimated loss impact:
| 5.26% | | |
|
Lender servicing fee:
| 1.00% |
Estimated return:
| 9.73% | | |
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-1973 |
Debt/Income ratio:
| 51% |
|
Basic (1-10):
| 8 |
Inquiries last 6m:
| 0 | Employment status: | Full-time employee |
| Enhanced (1-5): | 3 |
Current / open credit lines:
| 8
/
8 | Length of status: | 5y 2m |
|
Credit score:
| 740-759 (May-2010) |
Total credit lines:
| 29 |
Occupation: | Other |
|
Now delinquent:
| 0 |
Revolving credit balance:
| $59,872 | Stated income: | $50,000-$74,999 |
|
Amount delinquent:
| $0 |
Bankcard utilization:
| 68% | | |
|
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| Yes | | |
|
Delinquencies in last 7y:
| 0 | | | | |
|
Screen name:
| glowing-dough31 |
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
paint22
Purpose of loan:
This loan will be used to consolidate debt.
My financial situation:
I am a good candidate for this loan because I pay my bills on time.
Monthly net income: $3,100
Monthly expenses: $
??Housing: $ 640.00 - this amount is for a rental property that I own.? I live in an apartment and receive a rent credit for performing maintenance?duties at the complex.
??Insurance: $ 80.00
??Car expenses:?$25 - minimal because I?am provided with a company car and the company pays for the maintence.
??Utilities: $ 50.00
??Phone, cable, internet: $ 100.00
??Food, entertainment: $150.00
??Clothing, household expenses $ 125.00
??Credit cards and other loans: $ 1,300.00
??Other expenses: $
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
460205
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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:
| Jul-1979 |
Debt/Income ratio:
| 50% |
|
Basic (1-10):
| 5 |
Inquiries last 6m:
| 0 | Employment status: | Retired |
| Enhanced (1-5): | 4 |
Current / open credit lines:
| 5
/
5 | Length of status: | 1y 1m |
|
Credit score:
| 740-759 (May-2010) |
Total credit lines:
| 12 | Stated income: | $1-$24,999 |
|
Now delinquent:
| 0 |
Revolving credit balance:
| $736 | |
|
Amount delinquent:
| $0 |
Bankcard utilization:
| 0% | | |
|
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| Yes | | |
|
Delinquencies in last 7y:
| 0 | | | | |
|
Screen name:
| likeable-peso1 |
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
Business, Funeral & Medical Bills
Purpose of Loan:
After my husband suddenly passed away in April, my daughter was there for me both emotionally and financially. Now it?s my turn to be there for her. This loan will be used to help my daughter continue the expansion of her already very successful business and purchase a piece of equipment that will provide treatments and services that no other business in our area currently has to offer. It will also be used to pay her back for a small loan she provided me when my husband's funeral and medical costs were much more than we all had anticipated.
I am definitely a good candidate for this loan because I take my financial responsibilities very seriously. My credit score is a strong indication that every bill is paid on time and I have never paid anything late. Not only will I be committed to repaying this loan but my daughter will be committed as welI (monthly income is $4500.00). I am extremely confident in stating that you can put your trust in me to repay every penny and you will not be disappointed.
My Financial Situation:
My monthly income and approximate monthly expenses include the following:
Monthly income: $ 1598.00
Monthly social security check: $1003.00
Annuity Payment & Other: $ 395.00
Monetary assistance from my 6 children: $200.00
Monthly expenses: $ 1051.27
Housing: $ 422.27
Insurance: $221.00
Utilities: $ 150.00
Phone, cable, internet: $ 8.00
Credit cards and other loans: $250
I thank you for your time and assistance, I truly appreciate it.
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
460211
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
|
Amount:
| $25,000.00 |
Prosper Rating:
| C |
Auction Duration:
| 7 days
|
|
Term:
| 36 months |
Estimated loss:
| 8.5% | | |
| | | |
|
|
Starting lender yield:
| 24.57% |
Starting borrower rate/APR:
| 25.57% / 27.88% |
Starting monthly payment:
| $1,001.55 |
| |
|
Auction yield range:
| 7.99% - 24.57% |
Estimated loss impact:
| 9.09% | | |
|
Lender servicing fee:
| 1.00% |
Estimated return:
| 15.48% | | |
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
|
Prosper scores:
| |
First credit line:
| Mar-2007 |
Debt/Income ratio:
| 26% |
|
Basic (1-10):
| 5 |
Inquiries last 6m:
| 2 | Employment status: | Full-time employee |
| Enhanced (1-5): | 3 |
Current / open credit lines:
| 17
/
16 | Length of status: | 3y 5m |
|
Credit score:
| 780-799 (May-2010) |
Total credit lines:
| 19 |
Occupation: | Nurse (RN) |
|
Now delinquent:
| 0 |
Revolving credit balance:
| $1,675 | Stated income: | $75,000-$99,999 |
|
Amount delinquent:
| $0 |
Bankcard utilization:
| 4% | | |
|
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| Yes | | |
|
Delinquencies in last 7y:
| 0 | | | | |
|
Screen name:
| phenomenal-return0 |
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 for my masterals
Purpose of loan:
This loan will be used to?
To finance my masterals
My financial situation:
I am a good candidate for this loan because?
I have good credit score and a stable income
Monthly net income: $ 5,000
Monthly expenses: $
??Housing: $ 1200
??Insurance: $ 237
??Car expenses: $ 200
??Utilities: $ 200
??Phone, cable, internet: $ 100
??Food, entertainment: $ 100
??Clothing, household expenses $ 200
??Credit cards and other loans: $ 200
??Other expenses: $
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
460217
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
|
Amount:
| $14,000.00 |
Prosper Rating:
| HR |
Auction Duration:
| 7 days
|
|
Term:
| 36 months |
Estimated loss:
| 18.0% | | |
| | | |
|
|
Starting lender yield:
| 28.00% |
Starting borrower rate/APR:
| 29.00% / 31.36% |
Starting monthly payment:
| $586.68 |
| |
|
Auction yield range:
| 16.99% - 28.00% |
Estimated loss impact:
| 19.63% | | |
|
Lender servicing fee:
| 1.00% |
Estimated return:
| 8.37% | | |
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
|
Prosper scores:
| |
First credit line:
| Jul-1982 |
Debt/Income ratio:
| Self-employed (DTI Not Calculated) |
|
Basic (1-10):
| 4 |
Inquiries last 6m:
| 1 | Employment status: | Self-employed |
| Enhanced (1-5): | 2 |
Current / open credit lines:
| 14
/
14 | Length of status: | 3y 2m |
|
Credit score:
| 700-719 (May-2010) |
Total credit lines:
| 27 |
Occupation: | Investor |
|
Now delinquent:
| 0 |
Revolving credit balance:
| $80,245 | Stated income: | $75,000-$99,999 |
|
Amount delinquent:
| $0 |
Bankcard utilization:
| 84% | | |
|
Public records last 12m / 10y:
| 0/ 1 |
Homeownership:
| Yes | | |
|
Delinquencies in last 7y:
| 0 | | | | |
|
Screen name:
| bonafide-liberty4 |
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 credit cards
Purpose of loan:
This loan will be used to pay off high interest credit cards. Like most people, I hate paying those high interest rates to the credit card companies. I would much rather pay the interest,?and hopefully a much lower one, to someone like you. I look forward to someday soon being on the other side to help those who really need it.
My financial situation:
I am a good candidate for this loan because, I have always met my financial obligations. My income allows me to keep up with my monthly bills. I will be fine without this loan, but would love to get rid of those high interest credit cards. I'm married with 2 wonderful kids and I'm very honest and responsible.
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
460219
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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:
| 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:
| $153.90 |
| |
|
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:
| Nov-1997 |
Debt/Income ratio:
| 46% |
|
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: | 16y 11m |
|
Credit score:
| 700-719 (May-2010) |
Total credit lines:
| 11 |
Occupation: | Laborer |
|
Now delinquent:
| 0 |
Revolving credit balance:
| $5,833 | Stated income: | $1-$24,999 |
|
Amount delinquent:
| $0 |
Bankcard utilization:
| 48% | | |
|
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| No | | |
|
Delinquencies in last 7y:
| 0 | | | | |
|
Screen name:
| caring-contract2 |
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
Son graduated works in July needs $
Purpose of loan:
My son just graduated from the University of Virginia, and he begins work in early July. Fortunately he's relocating to a new city and he needs help securing housing, a car, and managing student loan expenses, and other relocation expenses now that he's graduated. The reason why he's not requesting the loan is because Prosper denied his application due to his outstanding student loans, limited credit history and his inability to post income information.
I will be servicing the loan for him as his guarantor and I myself as his mother am solely responsible for the loan, but of course he intends on helping to pay back the loan once he starts working and earning income (starting late July). His starting income is $65k + bonus, so he wouldn't have a problem paying back the loan. Unfortunately he's stuck in the 'gap' between graduation and starting a new job, and as we all know relocating to a city can be expensive and he's unable to request a loan himself.
We would be dearly indebted with gratitude to whomever would be willing to help my family in this moment in need. We really appreciate your help, and please feel free to contact me with any questions. Thank you
My financial situation:
I am a good candidate for this loan because as I mentioned before the purpose of this loan is to help my son relocate to a new city now that he's graduated, and he will start earning income in late July. In the meantime, me and my husband are willing to serve as his guarantor and help him during the next couple of months before he starts earning any income. In other words we really hope that you understand our situation, and have our confidence that this loan should not have any repayment issues.
Monthly net income:
?$1,700 (myself)
?--
?$2,200 (spouse)
?--
?$5,400 (son: earning in late July)
Monthly expenses:
?Combined with Husband
??Housing: $800
??Insurance: $160
??Car expenses: $360
??Utilities: $200
??Phone, cable, internet: $168
??Food, entertainment: $400
??Clothing, household expenses $300
??Credit cards and other loans: $500
??Other expenses: $300
Combined Income: $3,900
Budgeted Expenses: $2,988
Income available: $712
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
460223
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
|
Amount:
| $6,900.00 |
Prosper Rating:
| E |
Auction Duration:
| 7 days
|
|
Term:
| 36 months |
Estimated loss:
| 14.0% | | |
| | | |
|
|
Starting lender yield:
| 13.99% |
Starting borrower rate/APR:
| 14.99% / 17.16% |
Starting monthly payment:
| $239.16 |
| |
|
Auction yield range:
| 13.99% - 13.99% |
Estimated loss impact:
| 14.60% | | |
|
Lender servicing fee:
| 1.00% |
Estimated return:
| -0.61% | | |
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
|
Prosper scores:
| |
First credit line:
| Oct-2000 |
Debt/Income ratio:
| 32% |
|
Basic (1-10):
| 6 |
Inquiries last 6m:
| 4 | Employment status: | Full-time employee |
| Enhanced (1-5): | 2 |
Current / open credit lines:
| 11
/
9 | Length of status: | 2y 11m |
|
Credit score:
| 680-699 (May-2010) |
Total credit lines:
| 22 |
Occupation: | Administrative Assi... |
|
Now delinquent:
| 0 |
Revolving credit balance:
| $23,693 | 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:
| durability-bopbop-a-loobop |
Borrower's state:
| Arizona |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Description
Pyaing off a high interest cc
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
460229
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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:
| 10.00% |
Starting borrower rate/APR:
| 11.00% / 13.12% |
Starting monthly payment:
| $65.48 |
| |
|
Auction yield range:
| 3.99% - 10.00% |
Estimated loss impact:
| 2.13% | | |
|
Lender servicing fee:
| 1.00% |
Estimated return:
| 7.87% | | |
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
|
Prosper scores:
| |
First credit line:
| Oct-1996 |
Debt/Income ratio:
| Self-employed (DTI Not Calculated) |
|
Basic (1-10):
| 9 |
Inquiries last 6m:
| 0 | Employment status: | Self-employed |
| Enhanced (1-5): | 2 |
Current / open credit lines:
| 9
/
9 | Length of status: | 3y 4m |
|
Credit score:
| 700-719 (May-2010) |
Total credit lines:
| 11 |
Occupation: | Other |
|
Now delinquent:
| 0 |
Revolving credit balance:
| $44,115 | Stated income: | $25,000-$49,999 |
|
Amount delinquent:
| $0 |
Bankcard utilization:
| 62% | | |
|
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| No | | |
|
Delinquencies in last 7y:
| 0 | | | | |
|
Screen name:
| statuesque-finance126 |
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
Trying to lower my monthly payment
Purpose of loan:
This loan will be used to pay down some of my [higher interest rate] credit cards and chip away at my debt.
My financial situation:
I am a good candidate for this loan because ever since my first credit card, I have NEVER skipped a payment, I have NEVER been delinquent, or even late...no matter what. I have a steady income from private tutoring and a generous stipend from my parents. The only reason I'm in debt is because I've been in school for so long [from 2000-2005 and then again from 2007-2010...and haven't been able to work full time as I have been a full time student with heavy class work/courses]. However, I am one class away from finishing school and with summer coming up, I will be able to tutor more.
Monthly net income: $2100.00
Monthly expenses: $
Rent: $700
??Car expenses: $50-70 per month for gas
??Phone, cable, internet: $ 60 for cell phone, $40 for cable/internet
??Food, entertainment: $200 for groceries/food
??Clothing, household expenses $100 for school expenses, coin laundry, pet supplies
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
460231
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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:
| 14.0% | | |
| | | |
|
|
Starting lender yield:
| 33.29% |
Starting borrower rate/APR:
| 34.29% / 36.73% |
Starting monthly payment:
| $89.67 |
| |
|
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:
| May-2005 |
Debt/Income ratio:
| Not calculated |
|
Basic (1-10):
| 6 |
Inquiries last 6m:
| 0 | Employment status: | Part-time employee |
| Enhanced (1-5): | 3 |
Current / open credit lines:
| 3
/
1 | Length of status: | 0y 1m |
|
Credit score:
| 640-659 (May-2010) |
Total credit lines:
| 9 |
Occupation: | Food Service |
|
Now delinquent:
| 0 |
Revolving credit balance:
| $0 | Stated income: | $1-$24,999 |
|
Amount delinquent:
| $0 |
Bankcard utilization:
| 0% | | |
|
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| No | | |
|
Delinquencies in last 7y:
| 0 | | | | |
|
Screen name:
| wonderful-trade |
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
needed car repair bill
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
460235
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
|
Amount:
| $15,000.00 |
Prosper Rating:
| C |
Auction Duration:
| 7 days
|
|
Term:
| 36 months |
Estimated loss:
| 6.2% | | |
| | | |
|
|
Starting lender yield:
| 20.54% |
Starting borrower rate/APR:
| 21.54% / 23.80% |
Starting monthly payment:
| $569.29 |
| |
|
Auction yield range:
| 7.99% - 20.54% |
Estimated loss impact:
| 6.68% | | |
|
Lender servicing fee:
| 1.00% |
Estimated return:
| 13.86% | | |
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
|
Prosper scores:
| |
First credit line:
| Sep-1984 |
Debt/Income ratio:
| Self-employed (DTI Not Calculated) |
|
Basic (1-10):
| 5 |
Inquiries last 6m:
| 0 | Employment status: | Self-employed |
| Enhanced (1-5): | 5 |
Current / open credit lines:
| 3
/
3 | Length of status: | 36y 11m |
|
Credit score:
| 800-819 (May-2010) |
Total credit lines:
| 16 |
Occupation: | Other |
|
Now delinquent:
| 0 |
Revolving credit balance:
| $333 | Stated income: | $100,000+ |
|
Amount delinquent:
| $0 |
Bankcard utilization:
| 4% | | |
|
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| No | | |
|
Delinquencies in last 7y:
| 0 | | | | |
|
Screen name:
| liberty-spy326 |
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
Upgrading kitchen and bath
Purpose of loan:
This loan will be used to add on to home, upgrade kitchen and bath.
?I will put in new counter tops, sinks, and fixtures.? Also add on to the deck.
My financial situation:
I am a good candidate for this loan because?I pay my bills and have established a good credit score.? The credit card on the report is paid up whenever it is used.?
Monthly net income: $ 10000
Monthly expenses: $?1310
??Housing: $
??Insurance: $ 445
??Car expenses: $
??Utilities: $ 300
??Phone, cable, internet: $ 65
??Food, entertainment: $ 300
??Clothing, household expenses $ 200
??Credit cards and other loans: $
??Other expenses: $
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
460243
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
|
Amount:
| $5,000.00 |
Prosper Rating:
| C |
Auction Duration:
| 7 days
|
|
Term:
| 36 months |
Estimated loss:
| 6.5% | | |
| | | |
|
|
Starting lender yield:
| 11.99% |
Starting borrower rate/APR:
| 12.99% / 15.13% |
Starting monthly payment:
| $168.45 |
| |
|
Auction yield range:
| 7.99% - 11.99% |
Estimated loss impact:
| 6.76% | | |
|
Lender servicing fee:
| 1.00% |
Estimated return:
| 5.23% | | |
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
|
Prosper scores:
| |
First credit line:
| Jan-2000 |
Debt/Income ratio:
| 19% |
|
Basic (1-10):
| 9 |
Inquiries last 6m:
| 1 | Employment status: | Full-time employee |
| Enhanced (1-5): | 4 |
Current / open credit lines:
| 12
/
10 | Length of status: | 2y 5m |
|
Credit score:
| 680-699 (May-2010) |
Total credit lines:
| 32 |
Occupation: | Scientist |
|
Now delinquent:
| 0 |
Revolving credit balance:
| $39,172 | Stated income: | $75,000-$99,999 |
|
Amount delinquent:
| $0 |
Bankcard utilization:
| 69% | | |
|
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| Yes | | |
|
Delinquencies in last 7y:
| 0 | | | | |
|
Screen name:
| broadcaster968 |
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
BUSINESSSTARTER
Purpose of loan:
This loan will be used to do some imprivement for my house.
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
460255
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
|
Amount:
| $9,500.00 |
Prosper Rating:
| 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:
| $389.83 |
| |
|
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-2004 |
Debt/Income ratio:
| 25% |
|
Basic (1-10):
| 7 |
Inquiries last 6m:
| 1 | Employment status: | Full-time employee |
| Enhanced (1-5): | 4 |
Current / open credit lines:
| 4
/
4 | Length of status: | 3y 8m |
|
Credit score:
| 700-719 (May-2010) |
Total credit lines:
| 7 |
Occupation: | Other |
|
Now delinquent:
| 0 |
Revolving credit balance:
| $2,927 | 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:
| engrossing-balance4 |
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
for school
Purpose of loan:
This loan will be used to?
My financial situation:
I am a good candidate for this loan because?
Monthly net income: $
4200
Monthly expenses: $ 2800
??Housing: $
1300
??Insurance: $
130
??Car expenses: $ 150
??Utilities: $ 180
??Phone, cable, internet: $ 249.99
??Food, entertainment: $ 200
??Clothing, household expenses $ 500
??Credit cards and other loans: $ 0
??Other expenses: $
0
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
460259
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
|
Amount:
| $12,000.00 |
Prosper Rating:
| HR |
Auction Duration:
| 7 days
|
|
Term:
| 36 months |
Estimated loss:
| 18.0% | | |
| | | |
|
|
Starting lender yield:
| 17.00% |
Starting borrower rate/APR:
| 18.00% / 20.21% |
Starting monthly payment:
| $433.83 |
| |
|
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:
| Sep-2001 |
Debt/Income ratio:
| 53% |
|
Basic (1-10):
| 4 |
Inquiries last 6m:
| 1 | Employment status: | Full-time employee |
| Enhanced (1-5): | 2 |
Current / open credit lines:
| 10
/
7 | Length of status: | 2y 0m |
|
Credit score:
| 660-679 (May-2010) |
Total credit lines:
| 23 |
Occupation: | Professional |
|
Now delinquent:
| 0 |
Revolving credit balance:
| $3,562 | Stated income: | $25,000-$49,999 |
|
Amount delinquent:
| $0 |
Bankcard utilization:
| 45% | | |
|
Public records last 12m / 10y:
| 0/ 1 |
Homeownership:
| Yes | | |
|
Delinquencies in last 7y:
| 0 | | | | |
|
Screen name:
| mgoss35 |
Borrower's state:
| Tennessee |
Borrower's group:
| Debt Consolidation & Friends |
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Description
Good Heart - Financial Mess
Purpose of loan:
This loan will be used to clear out some credit card debt and personal loans.
My financial situation:
I am a good candidate for this loan because I do not miss my payments and they are always on time.? I am dependable and loyal to paying what I owe. I know I may have gotten in this mess from helping out family and having a good heart, but I am determined to pay off this debt. I realize I put my interest rate low?- I need to get out of this debt and afford to live monthly.? My records speaks for me- I pay on time every month.
Monthly net income: $ 2104.00
Monthly expenses: $
??Housing: $ 0
??Insurance: $ 76.00
??Car expenses: $ 340.00
??Utilities: $ 0
??Phone, cable, internet: $ 0
??Food, entertainment: $ $200.00
??Clothing, household expenses $100.00
??Credit cards and other loans: $ 1051.00
??Other expenses: $
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
460261
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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:
| 33.00% |
Starting borrower rate/APR:
| 34.00% / 38.13% |
Starting monthly payment:
| $44.67 |
| |
|
Auction yield range:
| 7.99% - 33.00% |
Estimated loss impact:
| 7.30% | | |
|
Lender servicing fee:
| 1.00% |
Estimated return:
| 25.70% | | |
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
|
Prosper scores:
| |
First credit line:
| Sep-2003 |
Debt/Income ratio:
| Self-employed (DTI Not Calculated) |
|
Basic (1-10):
| 9 |
Inquiries last 6m:
| 3 | Employment status: | Self-employed |
| Enhanced (1-5): | 2 |
Current / open credit lines:
| 15
/
9 | Length of status: | 3y 5m |
|
Credit score:
| 640-659 (May-2010) |
Total credit lines:
| 17 |
Occupation: | Computer Programmer |
|
Now delinquent:
| 0 |
Revolving credit balance:
| $41,588 | Stated income: | $0 |
|
Amount delinquent:
| $0 |
Bankcard utilization:
| 59% | | |
|
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| No | | |
|
Delinquencies in last 7y:
| 0 | | | | |
|
Screen name:
| efficient-bid2 |
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
Lender asking for a small loan
Purpose of loan:
I am a prosper lender with over $7000 invested in prosper, just trying to build a good borrower history as well
Thanks for all the people who bid on my listing, but we missed it by about $200, relisting to get the full amount this time.
My financial situation:
I am an IT consultant with good yearly income, currently I am in between projects and am enjoying a little down time for the next 3 months. I am also trying to develop my own software product during this time. I am financially secure, I have successful experience with debt as you can see from my credit profile, however my credit score is 719, don't know why prosper is showing a different score. I have a good lending history with prosper prior to moving to Texas, I am now trying to also build a good borrower history as well.
PLEASE BID with confidence, I have 7 times more money invested than what I am asking. Thanks!
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
460267
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
|
Amount:
| $3,000.00 |
Prosper Rating:
| E |
Auction Duration:
| 7 days
|
|
Term:
| 36 months |
Estimated loss:
| 14.0% | | |
| | | |
|
|
Starting lender yield:
| 33.30% |
Starting borrower rate/APR:
| 34.30% / 36.74% |
Starting monthly payment:
| $134.52 |
| |
|
Auction yield range:
| 13.99% - 33.30% |
Estimated loss impact:
| 15.54% | | |
|
Lender servicing fee:
| 1.00% |
Estimated return:
| 17.76% | | |
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:
| Dec-1995 |
Debt/Income ratio:
| 24% |
|
Basic (1-10):
| 6 |
Inquiries last 6m:
| 0 | Employment status: | Full-time employee |
| Enhanced (1-5): | 4 |
Current / open credit lines:
| 5
/
3 | Length of status: | 0y 10m |
|
Credit score:
| 640-659 (May-2010) |
Total credit lines:
| 9 |
Occupation: | Skilled Labor |
|
Now delinquent:
| 0 |
Revolving credit balance:
| $1,174 | Stated income: | $25,000-$49,999 |
|
Amount delinquent:
| $0 |
Bankcard utilization:
| 95% | | |
|
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| No | | |
|
Delinquencies in last 7y:
| 0 | | | | |
|
Screen name:
| flexible-principal6 |
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
Enjoying the trip!
Purpose of loan:
This loan will be used to?further invest in my small business.
My financial situation:
I am a good candidate for this loan because?my small business endeavor is growing fast.
Monthly net income: $3500????
Monthly expenses: $
??Housing: $ 0????
??Insurance: $130
??Car expenses: $600?????
??Utilities: $ 150
??Phone, cable, internet: $200
??Food, entertainment: $ 450
??Clothing, household expenses $ 120
??Credit cards and other loans: $ 50
??Other expenses: $ 200
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
460285
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
|
Amount:
| $1,500.00 |
Prosper Rating:
| D |
Auction Duration:
| 7 days
|
|
Term:
| 36 months |
Estimated loss:
| 10.0% | | |
| | | |
|
|
Starting lender yield:
| 24.00% |
Starting borrower rate/APR:
| 25.00% / 27.57% |
Starting monthly payment:
| $59.64 |
| |
|
Auction yield range:
| 10.99% - 24.00% |
Estimated loss impact:
| 10.59% | | |
|
Lender servicing fee:
| 1.00% |
Estimated return:
| 13.41% | | |
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
|
Prosper scores:
| |
First credit line:
| Apr-2005 |
Debt/Income ratio:
| 9% |
|
Basic (1-10):
| 8 |
Inquiries last 6m:
| 3 | Employment status: | Full-time employee |
| Enhanced (1-5): | 4 |
Current / open credit lines:
| 4
/
4 | Length of status: | 0y 8m |
|
Credit score:
| 660-679 (May-2010) |
Total credit lines:
| 7 |
Occupation: | Executive |
|
Now delinquent:
| 0 |
Revolving credit balance:
| $1,048 | Stated income: | $25,000-$49,999 |
|
Amount delinquent:
| $0 |
Bankcard utilization:
| 46% | | |
|
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| Yes | | |
|
Delinquencies in last 7y:
| 0 | | | | |
|
Screen name:
| nasko |
Borrower's state:
| Colorado |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
| Loan history | Payment history | Credit score history |
|
Active / total loans:
| 0 / 1 |
On-time:
| 10 ( 100% )
| 660-679 (Latest)
|
|
Principal borrowed:
| $2,500.00 | < 31 days late:
| 0
( 0% )
| 700-719
(May-2008)
|
|
Principal balance:
| $0.00 |
31+ days late:
| 0
( 0% )
|
|
Total payments billed:
| 10 | | |
Description
My loan for debt consolidation
I need to consolidate some small debts and need a loan from Prosper to do that. I used Prosper before and will make sure that my payments are made on time! I recently got a little raise and this will allow me to take care of the monthly payments!
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
460301
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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:
| 20.00% |
Starting borrower rate/APR:
| 21.00% / 23.25% |
Starting monthly payment:
| $75.35 |
| |
|
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:
| Sep-1991 |
Debt/Income ratio:
| 10% |
|
Basic (1-10):
| 8 |
Inquiries last 6m:
| 1 | Employment status: | Full-time employee |
| Enhanced (1-5): | 5 |
Current / open credit lines:
| 5
/
5 | Length of status: | 3y 8m |
|
Credit score:
| 680-699 (May-2010) |
Total credit lines:
| 30 |
Occupation: | Construction |
|
Now delinquent:
| 2 |
Revolving credit balance:
| $1,244 | Stated income: | $50,000-$74,999 |
|
Amount delinquent:
| $223 |
Bankcard utilization:
| 5% | | |
|
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| Yes | | |
|
Delinquencies in last 7y:
| 19 | | | | |
|
Screen name:
| asset-chestnut |
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
My personal loan for my business
I am applying for this loan to help me advertise my internet marketing business online without having to take away from my family budget.? I have a good job that pays well but I work out of town a lot and would like to work for myself in the next 5 years.
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
460307
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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:
| 10.34% |
Starting borrower rate/APR:
| 11.34% / 13.46% |
Starting monthly payment:
| $164.50 |
| |
|
Auction yield range:
| 3.99% - 10.34% |
Estimated loss impact:
| 2.13% | | |
|
Lender servicing fee:
| 1.00% |
Estimated return:
| 8.21% | | |
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
|
Prosper scores:
| |
First credit line:
| Apr-1985 |
Debt/Income ratio:
| 29% |
|
Basic (1-10):
| 9 |
Inquiries last 6m:
| 2 | Employment status: | Full-time employee |
| Enhanced (1-5): | 3 |
Current / open credit lines:
| 15
/
11 | Length of status: | 1y 7m |
|
Credit score:
| 720-739 (May-2010) |
Total credit lines:
| 47 |
Occupation: | Engineer - Mechanic... |
|
Now delinquent:
| 0 |
Revolving credit balance:
| $54,056 | Stated income: | $75,000-$99,999 |
|
Amount delinquent:
| $0 |
Bankcard utilization:
| 71% | | |
|
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| Yes | | |
|
Delinquencies in last 7y:
| 0 | | | | |
|
Screen name:
| logical-note4 |
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
Ready To Get OFF the CC Treadmill
Purpose of loan:
This loan will be used to?
Pay down current credit card lines.
My financial situation:
I am a good candidate for this loan because? I have learned from my mistakes?that?I made in my?20's and?now I am trying to get off the credit card treadmill. I have no delinquent lines or amounts. I pay my accounts. I am looking to pay less and to a fixed term.
Monthly net income: $
3600
Monthly expenses: $
??Housing: $ 700
??Insurance: $?90
??Car expenses: $ 0
??Utilities: $ 50
??Phone, cable, internet: $ 140
??Food, entertainment: $?250
??Clothing, household expenses $ 100
??Credit cards and other loans: $ 1650
??Other expenses: $ 100
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
460313
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
|
Amount:
| $15,000.00 |
Prosper Rating:
| HR |
Auction Duration:
| 7 days
|
|
Term:
| 36 months |
Estimated loss:
| 25.0% | | |
| | | |
|
|
Starting lender yield:
| 34.00% |
Starting borrower rate/APR:
| 35.00% / 37.45% |
Starting monthly payment:
| $678.54 |
| |
|
Auction yield range:
| 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:
| Jul-2003 |
Debt/Income ratio:
| 49% |
|
Basic (1-10):
| 3 |
Inquiries last 6m:
| 2 | Employment status: | Full-time employee |
| Enhanced (1-5): | 1 |
Current / open credit lines:
| 7
/
7 | Length of status: | 8y 10m |
|
Credit score:
| 640-659 (May-2010) |
Total credit lines:
| 13 |
Occupation: | Accountant/CPA |
|
Now delinquent:
| 0 |
Revolving credit balance:
| $21,717 | Stated income: | $25,000-$49,999 |
|
Amount delinquent:
| $0 |
Bankcard utilization:
| 88% | | |
|
Public records last 12m / 10y:
| 0/ 2 |
Homeownership:
| Yes | | |
|
Delinquencies in last 7y:
| 0 | | | | |
|
Screen name:
| Maryland28 |
Borrower's state:
| Alabama |
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:
| 0 / 1 |
On-time:
| 23 ( 100% )
| 640-659 (Latest)
|
|
Principal borrowed:
| $3,000.00 | < 31 days late:
| 0
( 0% )
| 560-579
(Mar-2008)
600-619
(Mar-2007)
|
|
Principal balance:
| $0.00 |
31+ days late:
| 0
( 0% )
|
|
Total payments billed:
| 23 | | |
Description
2nd loan-Paying off credit cards
Purpose of loan:
This loan will be used to?
1 more try! Please don't let my prosper rating discourage you from bidding on this loan.?I do care about credit and I assure you?I do pay all my bills?on time. I?have 1 account with a?large balance of 10,700.00 that is killing me in interest. Its where I fell to read the fine prints far as the interest rate on this which is 34.99.?This will be my 2nd loan request. The first loan was created 2years ago where you saw I had no delinquents and no late payments. I started off with a small amount to prove that I am trustworthy. As you can see I still have no delinquents or late payments but I'm not sure why my Prosper rating is HR. I?am glad to say because of?my credit history I just closed on my first home. Now that I have accomplished my goal, I really want to focus on just paying my mortgage and utilities. This loan will be used to payoff my credit card debt.? Instead of continue making payments to this one, this one, this one and this one. I rather pay them all off and make 1 monthly payment and get them paid off in 36 months or less.? I hope you consider me as candidate for this loan it will be greatly appreciated and I hope I?ve shown that I can be trusted that I will and can make all of my payments on time. Please don't let my prosper rating disturb you from bidding on my loan. I have and always will pay my bills on time. I can answer any questions you may have.??Thank You
My financial situation:
I am a good candidate for this loan because?
Monthly net income: $ 2931.20
Monthly expenses: $
??Housing: $ 708.00
??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
460319
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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:
| 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:
| $92.77 |
| |
|
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:
| Jul-1994 |
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:
| 11
/
11 | Length of status: | 5y 7m |
|
Credit score:
| 780-799 (May-2010) |
Total credit lines:
| 22 |
Occupation: | Accountant/CPA |
|
Now delinquent:
| 0 |
Revolving credit balance:
| $22,549 | Stated income: | $50,000-$74,999 |
|
Amount delinquent:
| $0 |
Bankcard utilization:
| 43% | | |
|
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| Yes | | |
|
Delinquencies in last 7y:
| 0 | | | | |
|
Screen name:
| steady-yield6 |
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
Replace AC Unit
Purpose of loan:
This loan will be used to?
My financial situation:
I am a good candidate for this loan because?
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
460325
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
|
Amount:
| $15,000.00 |
Prosper Rating:
| HR |
Auction Duration:
| 7 days
|
|
Term:
| 36 months |
Estimated loss:
| 18.0% | | |
| | | |
|
|
Starting lender yield:
| 34.00% |
Starting borrower rate/APR:
| 35.00% / 37.45% |
Starting monthly payment:
| $678.54 |
| |
|
Auction yield range:
| 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-1994 |
Debt/Income ratio:
| 26% |
|
Basic (1-10):
| 4 |
Inquiries last 6m:
| 0 | Employment status: | Full-time employee |
| Enhanced (1-5): | 4 |
Current / open credit lines:
| 4
/
4 | Length of status: | 0y 1m |
|
Credit score:
| 680-699 (May-2010) |
Total credit lines:
| 17 |
Occupation: | Computer Programmer |
|
Now delinquent:
| 0 |
Revolving credit balance:
| $1,231 | Stated income: | $50,000-$74,999 |
|
Amount delinquent:
| $0 |
Bankcard utilization:
| 68% | | |
|
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| No | | |
|
Delinquencies in last 7y:
| 4 | | | | |
|
Screen name:
| musgrrl |
Borrower's state:
| DistrictOfColumbia |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Description
Purchase Real Estate 50% of Value
Purpose of loan:
This loan will be used to purchase real estate at 50% of value.
My financial situation:
I am a good candidate for this loan because I make $57,000 a year and I am working with a team of investors.? Although I've had some delinquencies in the last 7 years, I have become much more responsible with paying on time in the last 5 years by using automatic bill pay services.
Monthly net income: $3332
Monthly expenses: $ 1500
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
460329
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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:
| Sep-2003 |
Debt/Income ratio:
| 12% |
|
Basic (1-10):
| 7 |
Inquiries last 6m:
| 1 | Employment status: | Full-time employee |
| Enhanced (1-5): | 4 |
Current / open credit lines:
| 5
/
5 | Length of status: | 0y 1m |
|
Credit score:
| 640-659 (May-2010) |
Total credit lines:
| 19 |
Occupation: | Other |
|
Now delinquent:
| 0 |
Revolving credit balance:
| $1,522 | Stated income: | $25,000-$49,999 |
|
Amount delinquent:
| $0 |
Bankcard utilization:
| 13% | | |
|
Public records last 12m / 10y:
| 1/ 1 |
Homeownership:
| No | | |
|
Delinquencies in last 7y:
| 2 | | | | |
|
Screen name:
| gain-library |
Borrower's state:
| Illinois |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Description
Paying off medical bills..help
Purpose of the loan: This loan will be used to pay the medical expenses I incurred from an emergency room visit on April 9, 2010. I was diagnosed with endometriosis. I got a job in April, 2010 but my medical insurance started on May 1st. Hence, the insurance will not cover the bills. So far the bill amount is $4000.There are a few more to come. My husband also have a student loan amounting $3000.
My financial situation: I recently got a job as a personal banker at Chase. I will have a steady income but currently I am just catching up on my last 6 months of unemployment. My husband was laid off last year. I filed bankruptcy last year because we couldn't afford the credit card bills without any income. Currently I only have one credit card open for rebuilding my credit history.
I am a good candidate for this loan because I have a job and I can pay off the loan.
Monthly net income: $2500
Monthly expenses: $ 2135
??Housing: $800 rent
??Insurance: $60
??Car expenses: No cars but transportation $120
??Utilities: $100
??Phone, cable, internet: $200
??Food, entertainment: $350
??Clothing, household expenses $200
??Credit cards and other loans: $105 (this is my husband's student loan monthly payment)
??Other expenses: $200
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
460331
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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:
| 25.0% | | |
| | | |
|
|
Starting lender yield:
| 34.00% |
Starting borrower rate/APR:
| 35.00% / 37.45% |
Starting monthly payment:
| $1,130.90 |
| |
|
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-2000 |
Debt/Income ratio:
| 89% |
|
Basic (1-10):
| 2 |
Inquiries last 6m:
| 1 | Employment status: | Full-time employee |
| Enhanced (1-5): | 3 |
Current / open credit lines:
| 11
/
9 | Length of status: | 5y 10m |
|
Credit score:
| 680-699 (May-2010) |
Total credit lines:
| 31 |
Occupation: | Accountant/CPA |
|
Now delinquent:
| 0 |
Revolving credit balance:
| $10,095 | Stated income: | $25,000-$49,999 |
|
Amount delinquent:
| $0 |
Bankcard utilization:
| 84% | | |
|
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| Yes | | |
|
Delinquencies in last 7y:
| 0 | | | | |
|
Screen name:
| jpb111 |
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
Help me pay off my debts!!
Purpose of loan:
This loan will be used to consolidate my current debts. I have been working extremely hard and plugging away at these for the past few years and made a little progress, but I would find it more beneficial if I was able to roll it into one payment and have it done with once and for all!
My financial situation:
I am a good candidate for this loan because I make all of my payments and have a wonderful, steady?job with a steady income that I can depend?on.?I am married and my husband pays for all of the other daily expenses. Please help me so that we can move on and concentrate more on our family and expanding it!
Monthly net income: $ 2230.00
Monthly expenses: $
??Housing: $ 0????
??Insurance: $ 150
??Car expenses: $ 330.00
??Utilities: $
??Phone, cable, internet: $
??Food, entertainment: $
??Clothing, household expenses $
??Credit cards and other loans: $ 1090.00????
??Other expenses: $
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
460337
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
|
Amount:
| $7,500.00 |
Prosper Rating:
| D |
Auction Duration:
| 7 days
|
|
Term:
| 36 months |
Estimated loss:
| 10.0% | | |
| | | |
|
|
Starting lender yield:
| 26.25% |
Starting borrower rate/APR:
| 27.25% / 29.59% |
Starting monthly payment:
| $307.20 |
| |
|
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-2002 |
Debt/Income ratio:
| 13% |
|
Basic (1-10):
| 7 |
Inquiries last 6m:
| 0 | Employment status: | Full-time employee |
| Enhanced (1-5): | 5 |
Current / open credit lines:
| 7
/
7 | Length of status: | 2y 10m |
|
Credit score:
| 680-699 (May-2010) |
Total credit lines:
| 12 |
Occupation: | Professional |
|
Now delinquent:
| 0 |
Revolving credit balance:
| $3,057 | Stated income: | $50,000-$74,999 |
|
Amount delinquent:
| $0 |
Bankcard utilization:
| 59% | | |
|
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| No | | |
|
Delinquencies in last 7y:
| 3 | | | | |
|
Screen name:
| sensation044 |
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
Moving/ Consolidation
Purpose of loan:
This loan will be used to move to a smaller apartment and consolidate my existing debts/loans.
My financial situation:
I am a good candidate for this loan because I have a steady job and have not paid a bill late in all the years since I started working full-time.? I would like to consolidate my current payments into one bill.
Monthly net income: $ 2,600.00
Monthly expenses: $
??Housing: $?
930.00 --- (New Apartment will be 800.00)
??Insurance: $ 0
??Car expenses: $
0
??Utilities: $
95.00
??Phone, cable, internet: $
150.00
??Food, entertainment: $
150.00
??Clothing, household expenses $ 75.00
??Credit cards and other loans: $
450.00
??Other expenses: $
50.00
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
460341
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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:
| Jan-1996 |
Debt/Income ratio:
| 72% |
|
Basic (1-10):
| 5 |
Inquiries last 6m:
| 0 | Employment status: | Full-time employee |
| Enhanced (1-5): | 4 |
Current / open credit lines:
| 10
/
9 | Length of status: | 5y 0m |
|
Credit score:
| 660-679 (Apr-2010) |
Total credit lines:
| 26 |
Occupation: | Other |
|
Now delinquent:
| 1 |
Revolving credit balance:
| $8,159 | Stated income: | $1-$24,999 |
|
Amount delinquent:
| $72 |
Bankcard utilization:
| 79% | | |
|
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| No | | |
|
Delinquencies in last 7y:
| 0 | | | | |
|
Screen name:
| tassia333 |
Borrower's state:
| Louisiana |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
| Loan history | Payment history | Credit score history |
|
Active / total loans:
| 1 / 1 |
On-time:
| 23 ( 100% )
| 660-679 (Latest)
|
|
Principal borrowed:
| $3,500.00 | < 31 days late:
| 0
( 0% )
| 700-719
(Jun-2008)
660-679
(Mar-2008)
|
|
Principal balance:
| $1,449.30 |
31+ days late:
| 0
( 0% )
|
|
Total payments billed:
| 23 | | |
Description
Debt Consolidation
Purpose of loan:
This loan will be used to?Pay off a bill.
My financial situation:
I am a good candidate for this loan because?I WILL pay it back!!!?I have made timely payments for the last two years on another Prosper loan. It will be paid off next June. Thank you.
Monthly net income: $ 2000
Monthly expenses: $
??Housing: $
??Insurance: $ 197
??Car expenses: $ 330
??Utilities: $
??Phone, cable, internet: $ 100
??Food, entertainment: $ 300
??Clothing, household expenses $
??Credit cards and other loans: $
??Other expenses: $
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
460343
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
|
Amount:
| $2,200.00 |
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:
| $88.93 |
| |
|
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:
| 18% |
|
Basic (1-10):
| 8 |
Inquiries last 6m:
| 1 | Employment status: | Retired |
| Enhanced (1-5): | 4 |
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
loan for auto repair
I need to rebuild the front end of my car, and buy several household applicances.? thank you for your consideration.
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
460349
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
|
Amount:
| $15,000.00 |
Prosper Rating:
| D |
Auction Duration:
| 7 days
|
|
Term:
| 36 months |
Estimated loss:
| 10.0% | | |
| | | |
|
|
Starting lender yield:
| 27.39% |
Starting borrower rate/APR:
| 28.39% / 30.74% |
Starting monthly payment:
| $623.62 |
| |
|
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:
| Sep-1992 |
Debt/Income ratio:
| 17% |
|
Basic (1-10):
| 7 |
Inquiries last 6m:
| 0 | Employment status: | Full-time employee |
| Enhanced (1-5): | 5 |
Current / open credit lines:
| 7
/
5 | Length of status: | 6y 10m |
|
Credit score:
| 720-739 (May-2010) |
Total credit lines:
| 21 |
Occupation: | Professional |
|
Now delinquent:
| 0 |
Revolving credit balance:
| $9,982 | Stated income: | $100,000+ |
|
Amount delinquent:
| $0 |
Bankcard utilization:
| 65% | | |
|
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| No | | |
|
Delinquencies in last 7y:
| 0 | | | | |
|
Screen name:
| wise-generosity-tapestry |
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 loan for debt consolidation
Purpose of loan:
This loan will be used to pay off my credit cards, in order to consolidate some of my outstanding debts.
My financial situation:
I am a good candidate for this loan because I have a long time job with a reputable company &?make a pretty good salary. I've paid off my home, except for a?small equity loan. I'm very responsible in paying my outstanding debts on time for quite some time now. I recently used some of my savings to pay down a big portion of my credit cards. I just need a little more help to reach my ultimate goal of ridding myself of never ending credit card debt.
Monthly net income: $ 14000
Monthly expenses: $
??Housing: $ 1700
??Insurance: $ 396
??Car expenses: $ 321
??Utilities: $ 219
??Phone, cable, internet: $ 121
??Food, entertainment: $ 378
??Clothing, household expenses $ 289
??Credit cards and other loans: $ 576
??Other expenses: $
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
460353
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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:
| Sep-1982 |
Debt/Income ratio:
| 64% |
|
Basic (1-10):
| 5 |
Inquiries last 6m:
| 1 | Employment status: | Full-time employee |
| Enhanced (1-5): | 1 |
Current / open credit lines:
| 6
/
6 | Length of status: | 8y 9m |
|
Credit score:
| 700-719 (May-2010) |
Total credit lines:
| 23 |
Occupation: | Executive |
|
Now delinquent:
| 0 |
Revolving credit balance:
| $39,661 | Stated income: | $1-$24,999 |
|
Amount delinquent:
| $0 |
Bankcard utilization:
| 92% | | |
|
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| Yes | | |
|
Delinquencies in last 7y:
| 0 | | | | |
|
Screen name:
| well-mannered-dime5 |
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
new baby
Purpose of loan:
This loan will be used to?
My financial situation:
I am a good candidate for this loan because?
I will have this loaned payed of in a couple months, just want to help my son and my grandson get going on the right foot
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
460355
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
|
Amount:
| $14,000.00 |
Prosper Rating:
| 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:
| $633.30 |
| |
|
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-1993 |
Debt/Income ratio:
| 38% |
|
Basic (1-10):
| 2 |
Inquiries last 6m:
| 0 | Employment status: | Full-time employee |
| Enhanced (1-5): | 3 |
Current / open credit lines:
| 13
/
10 | Length of status: | 2y 10m |
|
Credit score:
| 640-659 (May-2010) |
Total credit lines:
| 23 |
Occupation: | Truck Driver |
|
Now delinquent:
| 0 |
Revolving credit balance:
| $5,261 | Stated income: | $50,000-$74,999 |
|
Amount delinquent:
| $0 |
Bankcard utilization:
| 97% | | |
|
Public records last 12m / 10y:
| 0/ 1 |
Homeownership:
| No | | |
|
Delinquencies in last 7y:
| 1 | | | | |
|
Screen name:
| RMC66 |
Borrower's state:
| Illinois |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
| Loan history | Payment history | Credit score history |
|
Active / total loans:
| 1 / 1 |
On-time:
| 25 ( 100% )
| 640-659 (Latest)
|
|
Principal borrowed:
| $3,000.00 | < 31 days late:
| 0
( 0% )
| 620-639
(Apr-2009)
640-659
(Mar-2008)
640-659
(Feb-2008)
520-539
(Jan-2008)
|
|
Principal balance:
| $1,089.21 |
31+ days late:
| 0
( 0% )
|
|
Total payments billed:
| 25 | | |
Description
Please Read,Not HR, Pay Off Loan
Purpose of loan:
This loan will be used to pay off a personal loan.
My financial situation:
I am a good candidate for this loan because I pay all of my bills on time every month. I have a current Prosper loan, that will be paid off in April 2011, and have never been late or missed a payment. I am not a high risk as stated, I want to improve my credit score. With this loan, I can pay off a personal loan that will take me 5 years to pay, but I can pay it off in 3 years with help from the Prosper community. Please consider helping me, I will not disappoint you, you will be paid back. I have my account set to automatically deduct the payments from my bank account. I will not have any problem with making the payments. The public record is from filing a bankruptcy that was discharged almost 9 years ago. I do not have any delinquent accounts, so I don't know why it is showing one, I will have to investigate that with the credit bureau.
Monthly net income: $
4400
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
460361
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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:
| 19.0% | | |
| | | |
|
|
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:
| 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:
| Jan-1989 |
Debt/Income ratio:
| 22% |
|
Basic (1-10):
| 5 |
Inquiries last 6m:
| 0 | Employment status: | Full-time employee |
| Enhanced (1-5): | 5 |
Current / open credit lines:
| 14
/
8 | Length of status: | 4y 7m |
|
Credit score:
| 620-639 (May-2010) |
Total credit lines:
| 36 |
Occupation: | Clerical |
|
Now delinquent:
| 0 |
Revolving credit balance:
| $8,677 | Stated income: | $50,000-$74,999 |
|
Amount delinquent:
| $0 |
Bankcard utilization:
| 98% | | |
|
Public records last 12m / 10y:
| 1/ 2 |
Homeownership:
| No | | |
|
Delinquencies in last 7y:
| 0 | | | | |
|
Screen name:
| Good4UGood4Me |
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:
| 0 / 1 |
On-time:
| 36 ( 100% )
| 620-639 (Latest)
|
|
Principal borrowed:
| $4,300.00 | < 31 days late:
| 0
( 0% )
| 580-599
(Apr-2007)
|
|
Principal balance:
| $0.00 |
31+ days late:
| 0
( 0% )
|
|
Total payments billed:
| 36 | | |
Description
Need to Consolidate Highest Rates
Purpose of loan:
This loan will be used to?lower the rate I have on?an account w/ a ridiciously high rate.? My first child is due in September and I need to get my payments as low as possible to facilitate costs that will come with parenting.?
My financial situation:
I am a good candidate for this loan because I haven't had a late payment since a bankruptcy in 2003.? The bankruptcy in 2003 was caused by a divorce and my ex-husband's job loss?(I have not been unemployed and have worked since age 14) - he defaulted on a lot of loans I had co-signed on and I was unable to maintain his payments and the cost of my own new life/move/job change.?
I just paid off my previous loan w/ Prosper - it was for $4,300 and I did not have a late payment and made payments at earlier dates when possible.? My job is extemely solid and my credit is important to me.
Monthly net income: $3,900.00
Monthly expenses: $
??Housing: $ 500
??Insurance: $ 100
??Car expenses: $
??Utilities: $
??Phone, cable, internet: $ 100
??Food, entertainment: $ 500
??Clothing, household expenses $ 300
??Credit cards and other loans: $ 1,200 (this loan would replace $300 a month that I'm paying but I will pay off loan quicker w/ lower rate)
??Other expenses: $
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
460365
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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:
| Jul-1999 |
Debt/Income ratio:
| 9% |
|
Basic (1-10):
| 9 |
Inquiries last 6m:
| 0 | Employment status: | Full-time employee |
| Enhanced (1-5): | 5 |
Current / open credit lines:
| 6
/
5 | Length of status: | 2y 9m |
|
Credit score:
| 760-779 (May-2010) |
Total credit lines:
| 21 |
Occupation: | Administrative Assi... |
|
Now delinquent:
| 0 |
Revolving credit balance:
| $2,584 | Stated income: | $1-$24,999 |
|
Amount delinquent:
| $0 |
Bankcard utilization:
| 22% | | |
|
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| Yes | | |
|
Delinquencies in last 7y:
| 0 | | | | |
|
Screen name:
| adorable-durability2 |
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
My personal loan
This listing has a higher likelihood to fund and therefore does not include a description. If you would like additional information from this borrower, please ask a question in the Q&A section below.
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
460367
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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:
| Jun-1983 |
Debt/Income ratio:
| Self-employed (DTI Not Calculated) |
|
Basic (1-10):
| 8 |
Inquiries last 6m:
| 0 | Employment status: | Self-employed |
| Enhanced (1-5): | 4 |
Current / open credit lines:
| 4
/
3 | Length of status: | 0y 11m |
|
Credit score:
| 780-799 (May-2010) |
Total credit lines:
| 13 |
Occupation: | Professional |
|
Now delinquent:
| 0 |
Revolving credit balance:
| $35,760 | Stated income: | $50,000-$74,999 |
|
Amount delinquent:
| $0 |
Bankcard utilization:
| 62% | | |
|
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| Yes | | |
|
Delinquencies in last 7y:
| 0 | | | | |
|
Screen name:
| money-freshmaker5 |
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 for my business
This loan will be used to help me?have?ready cash in the event of an emergency as I continue to grow my client-base.?While I have been with my current employer for just one year, my client-base has been developed over six years. This year I have increased my revenues?50% from this same time last year.?
I am reluctant to use credit cards to finance my business, and this is the primary reason for seeking a personal loan. I have never missed a payment or incurred any finance charges on any credit card.?I also have several family members that are willing and able to help if there is ever a short-term cash flow need.?????
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
460371
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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:
| Oct-2004 |
Debt/Income ratio:
| Self-employed (DTI Not Calculated) |
|
Basic (1-10):
| 6 |
Inquiries last 6m:
| 0 | Employment status: | Self-employed |
| Enhanced (1-5): | 5 |
Current / open credit lines:
| 9
/
9 | Length of status: | 0y 0m |
|
Credit score:
| 740-759 (May-2010) |
Total credit lines:
| 11 |
Occupation: | Sales - Retail |
|
Now delinquent:
| 0 |
Revolving credit balance:
| $2,281 | Stated income: | $25,000-$49,999 |
|
Amount delinquent:
| $0 |
Bankcard utilization:
| 7% | | |
|
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| No | | |
|
Delinquencies in last 7y:
| 0 | | | | |
|
Screen name:
| shiny-deal |
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
My personal loan for my business
This listing has a higher likelihood to fund and therefore does not include a description. If you would like additional information from this borrower, please ask a question in the Q&A section below.
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
460377
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
|
Amount:
| $10,000.00 |
Prosper Rating:
| D |
Auction Duration:
| 7 days
|
|
Term:
| 36 months |
Estimated loss:
| 10.0% | | |
| | | |
|
|
Starting lender yield:
| 20.00% |
Starting borrower rate/APR:
| 21.00% / 23.25% |
Starting monthly payment:
| $376.75 |
| |
|
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-1996 |
Debt/Income ratio:
| 44% |
|
Basic (1-10):
| 6 |
Inquiries last 6m:
| 2 | Employment status: | Retired |
| Enhanced (1-5): | 4 |
Current / open credit lines:
| 17
/
15 | Length of status: | 8y 8m |
|
Credit score:
| 740-759 (May-2010) |
Total credit lines:
| 27 | Stated income: | $25,000-$49,999 |
|
Now delinquent:
| 0 |
Revolving credit balance:
| $13,506 | |
|
Amount delinquent:
| $0 |
Bankcard utilization:
| 29% | | |
|
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| Yes | | |
|
Delinquencies in last 7y:
| 0 | | | | |
|
Screen name:
| puddingc |
Borrower's state:
| Oklahoma |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
| Loan history | Payment history | Credit score history |
|
Active / total loans:
| 1 / 2 |
On-time:
| 63 ( 100% )
| 740-759 (Latest)
|
|
Principal borrowed:
| $12,000.00 | < 31 days late:
| 0
( 0% )
| 740-759
(Dec-2007)
740-759
(Feb-2007)
|
|
Principal balance:
| $1,755.27 |
31+ days late:
| 0
( 0% )
|
|
Total payments billed:
| 63 | | |
Description
Paying off my credit cards faster.
What I will use this loan for is to consolidate $10000.00 on my credit cards so I will have only 1 payment to make and have them paid off in 36 months or less. Thanks for reading my listing. Please feel free to ask any questions you want.
Hello, I'm retired military with a steady income of $44244.00 net yearly, or $3687 net income monthly. I have been a Prosper member for 3 years 2 months and only have good things to say about the Prosper Family.
This will be my third loan with Prosper, one is paid off and the other has only 8 payments left. Please? bid with confidence your money is safe and will be paid back to you.
house payment = 384.00monthly
car payment = 318.90
utilities 155.00
I pay all my bills ahead of time, have never missed a payment.?
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
460389
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
|
Amount:
| $3,000.00 |
Prosper Rating:
| D |
Auction Duration:
| 7 days
|
|
Term:
| 36 months |
Estimated loss:
| 10.0% | | |
| | | |
|
|
Starting lender yield:
| 19.00% |
Starting borrower rate/APR:
| 20.00% / 22.24% |
Starting monthly payment:
| $111.49 |
| |
|
Auction yield range:
| 10.99% - 19.00% |
Estimated loss impact:
| 10.45% | | |
|
Lender servicing fee:
| 1.00% |
Estimated return:
| 8.55% | | |
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
|
Prosper scores:
| |
First credit line:
| Sep-1995 |
Debt/Income ratio:
| 24% |
|
Basic (1-10):
| 7 |
Inquiries last 6m:
| 1 | Employment status: | Full-time employee |
| Enhanced (1-5): | 4 |
Current / open credit lines:
| 9
/
9 | Length of status: | 0y 2m |
|
Credit score:
| 720-739 (May-2010) |
Total credit lines:
| 50 |
Occupation: | Engineer - Mechanic... |
|
Now delinquent:
| 0 |
Revolving credit balance:
| $10,830 | Stated income: | $100,000+ |
|
Amount delinquent:
| $0 |
Bankcard utilization:
| 98% | | |
|
Public records last 12m / 10y:
| 0/ 1 |
Homeownership:
| Yes | | |
|
Delinquencies in last 7y:
| 0 | | | | |
|
Screen name:
| wise-transaction-marsupial |
Borrower's state:
| Pennsylvania |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Description
Home Improvements
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
460413
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
|
Amount:
| $6,000.00 |
Prosper Rating:
| C |
Auction Duration:
| 7 days
|
|
Term:
| 36 months |
Estimated loss:
| 8.0% | | |
| | | |
|
|
Starting lender yield:
| 12.00% |
Starting borrower rate/APR:
| 13.00% / 15.14% |
Starting monthly payment:
| $202.16 |
| |
|
Auction yield range:
| 7.99% - 12.00% |
Estimated loss impact:
| 8.26% | | |
|
Lender servicing fee:
| 1.00% |
Estimated return:
| 3.74% | | |
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
|
Prosper scores:
| |
First credit line:
| Oct-1974 |
Debt/Income ratio:
| 14% |
|
Basic (1-10):
| 8 |
Inquiries last 6m:
| 0 | Employment status: | Full-time employee |
| Enhanced (1-5): | 5 |
Current / open credit lines:
| 5
/
4 | Length of status: | 2y 9m |
|
Credit score:
| 720-739 (May-2010) |
Total credit lines:
| 14 |
Occupation: | Teacher |
|
Now delinquent:
| 0 |
Revolving credit balance:
| $11,344 | Stated income: | $50,000-$74,999 |
|
Amount delinquent:
| $0 |
Bankcard utilization:
| 86% | | |
|
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| Yes | | |
|
Delinquencies in last 7y:
| 0 | | | | |
|
Screen name:
| transparency-mole |
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
My personal loan
August 2010 Wedding
I am planning a wedding for 150 people and the reception cost is just over $7,000.? My fiance and I have already contributed $1,500 to the wedding ceremony, and we both have an additional $6,000 to contribute of our personal money, collectively.
We are expecting to use the $5,000 loan to cover the cost of flowers, cake, honeymoon, photographer, and invitations.
My fiance will be moving into my home decreasing the amount of our rent/mortgage budget by $450.? This is how we will be able to make our payments for the loan on time and regularly.
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
460425
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
|
Amount:
| $13,000.00 |
Prosper Rating:
| HR |
Auction Duration:
| 7 days
|
|
Term:
| 36 months |
Estimated loss:
| 25.0% | | |
| | | |
|
|
Starting lender yield:
| 16.99% |
Starting borrower rate/APR:
| 17.99% / 20.20% |
Starting monthly payment:
| $469.92 |
| |
|
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:
| Oct-1999 |
Debt/Income ratio:
| 25% |
|
Basic (1-10):
| 3 |
Inquiries last 6m:
| 0 | Employment status: | Full-time employee |
| Enhanced (1-5): | 5 |
Current / open credit lines:
| 9
/
7 | Length of status: | 7y 2m |
|
Credit score:
| 660-679 (May-2010) |
Total credit lines:
| 17 |
Occupation: | Retail Management |
|
Now delinquent:
| 0 |
Revolving credit balance:
| $3,012 | Stated income: | $50,000-$74,999 |
|
Amount delinquent:
| $0 |
Bankcard utilization:
| 97% | | |
|
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| Yes | | |
|
Delinquencies in last 7y:
| 0 | | | | |
|
Screen name:
| DoubleXL1980 |
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:
| 0 / 1 |
On-time:
| 28 ( 100% )
| 660-679 (Latest)
|
|
Principal borrowed:
| $6,000.00 | < 31 days late:
| 0
( 0% )
| 720-739
(Jan-2008)
|
|
Principal balance:
| $0.14 |
31+ days late:
| 0
( 0% )
|
|
Total payments billed:
| 28 | | |
Description
Paying off CARS and Credit Debt
Purpose of loan:
This loan will be used to pay off my wifes car, My truck as well as my only credit card. These three items equal $1050.00 each month out of our budget. We are able to pay this but would find it much more comfortable to reduce these payments to the 470.00 monthly that this loan would allow. I have had a prosper loan in the past and have paid it off in full early. I would anticipate that I would have this loan paid off early as well.
My financial situation:
I am a good candidate for this loan because I have never been late on any financial agreement and have always paid?all of my debt in full.I personally believe that a persons work is all they have in this world and I will not allow my?reputation to be?fouled by defaulted?debts.
Monthly net income: $ 4,200.00
Monthly expenses: $
??Housing: $ 1019.00
??Insurance: $ 243.00
??Car expenses: $ 970.00
??Utilities: $ 130.00
??Phone, cable, internet: $ 100.00
??Food, entertainment: $ 300.00
??Clothing, household expenses $ 00
??Credit cards and other loans: $ 68.00
??Other expenses: $ 00
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
460443
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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:
| 6.10% |
Starting borrower rate/APR:
| 7.10% / 9.17% |
Starting monthly payment:
| $247.38 |
| |
|
Auction yield range:
| 3.99% - 6.10% |
Estimated loss impact:
| 2.11% | | |
|
Lender servicing fee:
| 1.00% |
Estimated return:
| 3.99% | | |
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-1996 |
Debt/Income ratio:
| 25% |
|
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: | 6y 4m |
|
Credit score:
| 740-759 (May-2010) |
Total credit lines:
| 17 |
Occupation: | Executive |
|
Now delinquent:
| 0 |
Revolving credit balance:
| $3,740 | Stated income: | $75,000-$99,999 |
|
Amount delinquent:
| $0 |
Bankcard utilization:
| 20% | | |
|
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| Yes | | |
|
Delinquencies in last 7y:
| 0 | | | | |
|
Screen name:
| woemlavy |
Borrower's state:
| Texas |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
| Loan history | Payment history | Credit score history |
|
Active / total loans:
| 0 / 1 |
On-time:
| 35 ( 100% )
| 740-759 (Latest)
|
|
Principal borrowed:
| $3,072.00 | < 31 days late:
| 0
( 0% )
| 660-679
(Nov-2007)
640-659
(Jan-2007)
|
|
Principal balance:
| $0.00 |
31+ days late:
| 0
( 0% )
|
|
Total payments billed:
| 35 | | |
Description
Small Business Expansion Loan
I am requesting this loan in order to purchase materials for my tap handle business. Orders are flying in and I can't keep up with demand. A good problem to have, I have heard, but nonetheless a problem. The business is a few years old and has many dependable wholesalers.As you can see my credit rating is excellent and my debt to income ratio is relatively low. I always pay my bills on time and you can rest assured I will pay this one on time also. Thank you for considering me for this loan. Thank you for your time and consideration.
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
460455
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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:
| 34.00% |
Starting borrower rate/APR:
| 35.00% / 37.45% |
Starting monthly payment:
| $180.94 |
| |
|
Auction yield range:
| 10.99% - 34.00% |
Estimated loss impact:
| 10.87% | | |
|
Lender servicing fee:
| 1.00% |
Estimated return:
| 23.13% | | |
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
|
Prosper scores:
| |
First credit line:
| Aug-2004 |
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:
| 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
Loan for last semester of college
Purpose of loan:
This
loan will be used to help me live for my final semester of college (Graduating 8/28/2010). I have only received enough financial aid to pay for my tuition
for my final semester of college (summer), and 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, and 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.? I will be working full-time in September.
Monthly net income: $
1,200
Monthly expenses: $ 1,500
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
460473
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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-2007 |
Debt/Income ratio:
| 30% |
|
Basic (1-10):
| 5 |
Inquiries last 6m:
| 1 | Employment status: | Full-time employee |
| Enhanced (1-5): | 2 |
Current / open credit lines:
| 4
/
4 | Length of status: | 2y 7m |
|
Credit score:
| 660-679 (May-2010) |
Total credit lines:
| 5 |
Occupation: | Other |
|
Now delinquent:
| 0 |
Revolving credit balance:
| $214 | Stated income: | $25,000-$49,999 |
|
Amount delinquent:
| $0 |
Bankcard utilization:
| 42% | | |
|
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| No | | |
|
Delinquencies in last 7y:
| 0 | | | | |
|
Screen name:
| shaker747 |
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
Contracts In Place Need Funding!
Purpose of loan:
This loan will be used to? buy?3 vending machines for my business.? These are specialty machines that test your breath for blood alcohol content (breathalizer).? I currently have?the contracts in place with local bars that have high traffic.? The main purpose of these machines is for people to see how impaired they really are even though they don't think they are drunk.? Each turn will cost between $1 - $2 in which a straw is dispensed for the patron to stick in the breathalizer hole.? After they blow for a specified amount of time it displays their results numerically and in color, green if you are under the legal limit and red if you are over.? Results are +/-.01.? A family member has 2 machines and they provide $500 in passive income each month.? The sites that we have contracted now are heavy flow high volume areas that are frequented by the college crowd.
My financial situation:
I am a good candidate for this loan because? you currently have only my stated income but I am married.?We have a combined income of $65,000 and we?will have no problems?making these payments every month.? My husband is currently enrolled in receiving his bachelor's in business management with no student loan debt.? He is the one that has already negotiated 2 contracts and is working on the 3rd.? My credit is just being established at this time which is why it is on the low end but moving up fast.? I am currently employed in the banking industry and my husband works for a utilities company.? We both have stable, reliable jobs and need this funding now so that we can get these machines in ASAP.
Monthly net income: $ $2,000.00 (Me)? $4,400.00 (My Husband?& I)
Monthly expenses: $ 1,790.00
??Housing: $ 650.00
??Insurance: $ 150.00
??Car expenses: $ 450.00
??Utilities: $ 50.00
??Phone, cable, internet: $?60.00
??Food, entertainment: $?250.00
??Clothing, household expenses $?50.00
??Credit cards and other loans: $?40.00
??Other expenses: $ 40.00
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
460479
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
|
Amount:
| $10,000.00 |
Prosper Rating:
| C |
Auction Duration:
| 7 days
|
|
Term:
| 36 months |
Estimated loss:
| 6.2% | | |
| | | |
|
|
Starting lender yield:
| 19.54% |
Starting borrower rate/APR:
| 20.54% / 22.78% |
Starting monthly payment:
| $374.39 |
| |
|
Auction yield range:
| 7.99% - 19.54% |
Estimated loss impact:
| 6.66% | | |
|
Lender servicing fee:
| 1.00% |
Estimated return:
| 12.88% | | |
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:
| Aug-1986 |
Debt/Income ratio:
| Self-employed (DTI Not Calculated) |
|
Basic (1-10):
| 5 |
Inquiries last 6m:
| 2 | Employment status: | Self-employed |
| Enhanced (1-5): | 3 |
Current / open credit lines:
| 8
/
8 | Length of status: | 0y 2m |
|
Credit score:
| 800-819 (May-2010) |
Total credit lines:
| 31 |
Occupation: | Sales - Retail |
|
Now delinquent:
| 0 |
Revolving credit balance:
| $10,401 | Stated income: | $50,000-$74,999 |
|
Amount delinquent:
| $0 |
Bankcard utilization:
| 27% | | |
|
Public records last 12m / 10y:
| 0/ 1 |
Homeownership:
| Yes | | |
|
Delinquencies in last 7y:
| 0 | | | | |
|
Screen name:
| thoughtful-dollar9 |
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
Business Growth / Inventory
Purpose of loan:
We acquired a Christian bookstore, specializing in LDS merchandise in the Kansas city area in March 2010.?
This loan will be used to grow the book store and expand inventory.? We were able to acquire the bookstore a very low cost and have been able to grow the inventory and sales.? We are looking to grow more and provide a larger inventory to our customers.
We are currently using our on funds and need to grow the inventory to increase the sales.? We are on good terms with our vendors and have credit / contracts with the major distributors already.
This book store has been open for over 12 years and has an established presence in the community and on the web.
We are the only book store within 15 miles, the only Christian book store within 30 miles and the only LDS bookstore within 200 miles.??
We have a strong market for our merchandise and support an online store as well.
We are really looking to expand our inventory and grow.? We are operating with a good plan and operate in the black every month.?
We are increasing our sells monthly and we truly provide superior customer service and this is one of our key values.?? We
My financial situation:
The business provides a profit every month and with increased inventory it will continue to grow and serve more members of the community.
My credit rating is very strong, I no derogatory reports in 6 years.? We plan to repay timely and early.? This is a new resource we are trying to use.
We are valued members of our community and are very engaged and committed to the community and our values.
We are funding on our own, but we want to use this to increase our inventory and grow our sells.
We have a good credit rating and pay timely.? We are looking to move to the next level in our business.
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
460485
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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:
| 34.5% | | |
| | | |
|
|
Starting lender yield:
| 16.99% |
Starting borrower rate/APR:
| 18.99% / 21.21% |
Starting monthly payment:
| $219.91 |
| |
|
Auction yield range:
| 16.99% - 16.99% |
Estimated loss impact:
| 35.44% | | |
|
Lender servicing fee:
| 1.00% |
Estimated return:
| -18.45% | | |
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
|
Prosper scores:
| |
First credit line:
| Nov-2004 |
Debt/Income ratio:
| 70% |
|
Basic (1-10):
| 1 |
Inquiries last 6m:
| 4 | Employment status: | Full-time employee |
| Enhanced (1-5): | 1 |
Current / open credit lines:
| 9
/
8 | Length of status: | 0y 10m |
|
Credit score:
| 640-659 (May-2010) |
Total credit lines:
| 13 |
Occupation: | Sales - Commission |
|
Now delinquent:
| 0 |
Revolving credit balance:
| $10,842 | Stated income: | $1-$24,999 |
|
Amount delinquent:
| $0 |
Bankcard utilization:
| 99% | | |
|
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| No | | |
|
Delinquencies in last 7y:
| 0 | | | | |
|
Screen name:
| pb4ny |
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
Guaranteed gain for your portfolio
Purpose of loan:
This loan will be used to pay off two of my three credit cards and a loan. In 2008, I lost my job and was fortunate enough to have my then strong credit to make ends meet. As god has blessed me with the drive and strength to overcome this adversity while providing for my family I have since then established myself with a great company. Now approaching a year I have made incredible strides to pay down my debt and minimize my overhead. Earlier this Year I changed my vehicle saving me well over 600 dollars a month, I found a less expensive home to live in saving me $700 a month, and now I look to consolidate my debt so that my efforts to pay them off come through sooner. I have three credit cards, one of which has a very low interest rate. I'm asking for $6,000 because currently I am sending north of $1000.00 per month for the debt obligations I am trying to eliminate. All advice rendered has led me to understand I could be doing better. Hence I'm seeking to consolidate.
My financial situation:
I am a good candidate for this loan because I have a steady flow of income, I track my spending and my cash flow through personal financial software, and I have never missed a payment. As previously mentioned I have a strong desire to come out from this so I analyze every month where I can free up more money and reduce as much as possible any overhead or general expense that I have. I work in the financial field so I am also surrounded by professionals whose advice led me to seek out this loan. I've been told that this will not only help me save money but also rid my debt faster. I firmly believe that with my income and credit history I will be an asset to any investors lending portfolio. I would equate myself to a mid-cap stock with great earning potential and less risk than a small cap.
Monthly net income: $ 4333.00
Monthly expenses: $
Housing: $ 500
Insurance: $ 150
Car expenses: $ 255.99
Utilities: $ included in housing
Phone, cable, internet: $ included in housing
Food, entertainment: $ average $300 per month
Clothing, household expenses $ 150
Credit cards and other loans: $ 1000.00+
Other expenses: $ 0.00
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
460491
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
|
Amount:
| $6,700.00 |
Prosper Rating:
| E |
Auction Duration:
| 7 days
|
|
Term:
| 36 months |
Estimated loss:
| 14.0% | | |
| | | |
|
|
Starting lender yield:
| 33.30% |
Starting borrower rate/APR:
| 34.30% / 36.74% |
Starting monthly payment:
| $300.43 |
| |
|
Auction yield range:
| 13.99% - 33.30% |
Estimated loss impact:
| 15.54% | | |
|
Lender servicing fee:
| 1.00% |
Estimated return:
| 17.76% | | |
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:
| May-1999 |
Debt/Income ratio:
| 23% |
|
Basic (1-10):
| 6 |
Inquiries last 6m:
| 0 | Employment status: | Full-time employee |
| Enhanced (1-5): | 4 |
Current / open credit lines:
| 5
/
5 | Length of status: | 3y 7m |
|
Credit score:
| 660-679 (May-2010) |
Total credit lines:
| 25 |
Occupation: | Professional |
|
Now delinquent:
| 0 |
Revolving credit balance:
| $6,449 | Stated income: | $50,000-$74,999 |
|
Amount delinquent:
| $0 |
Bankcard utilization:
| 92% | | |
|
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| No | | |
|
Delinquencies in last 7y:
| 0 | | | | |
|
Screen name:
| focused-fund9 |
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
Marry the love of my life...
Purpose of loan:
Get married to the love of my life before she is 30.? She wants to start a family, and who am I to make her?wait until I can save enough to do so.
My financial situation:
I have a solid income, and have not had any delinquent credit or late payments since my college years.? I am responsible, hard working, and I have a strong fear of delinquent credit.? I think that last attribute is my best selling point.? I will be moving in with a roommate later this year and selling my car.? All in the name of love, and saving money!? I would really appreciate the help.
Monthly net income: $ $3059
Monthly expenses: $
??Housing: $ 750
??Insurance: $ 170
??Car expenses: $ 351
??Utilities: $ 60
??Phone, cable, internet: $ 100
??Food, entertainment: $ 200
??Clothing, household expenses $0
??Credit cards and other loans: $ 200
??Other expenses: $ 75
Information in the Description is not verified.