Listing Report:Supplement No. 258 dated Jun 07, 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
149244
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount:
| $18,000.00 |
Prosper Rating:
| C |
Auction Duration:
| 7 days
|
Term:
| 36 months |
Estimated loss:
| 7.0% | | |
| | |
|
Starting lender yield:
| 17.00% |
Starting borrower rate/APR:
| 18.00% / 20.21% |
Starting monthly payment:
| $650.74 |
|
Auction yield range:
| 7.98% - 17.00% |
Estimated loss impact:
| 7.39% | | |
Lender servicing fee:
| 1.00% |
Estimated return:
| 9.61% | | |
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper scores:
| |
First credit line:
| Oct-2003 |
Debt/Income ratio:
| 17% |
Basic (1-10):
| 7 |
Inquiries last 6m:
| 1 | Employment status: | Full-time employee |
Enhanced (1-5): | 4 |
Current / open credit lines:
| 8
/
8 | Length of status: | 2y 1m |
Credit score:
| 760-779 (Jun-2010) |
Total credit lines:
| 15 |
Occupation: | Computer Programmer |
Now delinquent:
| 0 |
Revolving credit balance:
| $117,182 | Stated income: | $75,000-$99,999 |
Amount delinquent:
| $0 |
Bankcard utilization:
| 77% | | |
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| Yes | | |
Delinquencies in last 7y:
| 0 | | | | |
Screen name:
| Linux4Fun |
Borrower's state:
| California |
Borrower's group:
| Desktop Linux Users and Developers |
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Description
Zeroing Out Debt
Purpose of loan:
??? * I am tired of carrying debt.
??? * I want to consolidate my debt and get RID of it. Rather than doing some kind of balance transfer or consolidation into a credit card, i want to give back to the fantastic prosper community.
??? * I want to be 100% debt free and I plan to pay this loan off in less than 3 years.
My financial situation:
(explain why you are a good candidate for paying back this loan)
Straight forward answer: I am tired of living under this debt.? I want it off my back and out of my way.
Additionally, i am 27 and only $24k from having a total of $100k (my first goal) set aside for retirement in the form of IRAs.? I want to focus on accumulating money / funding my retirement and this debt is in my way.? Using a loan from Prosper i know that i will be debt free in exactly 3 years or less.
Monthly net income: $8016 (total)
$6916 monthly = Day job salary (computer programmer (Java/Web))
$1100 monthly = Rent: I've rented out a Room to the same person for over 3 years.
$8016 = Total Monthly income
Monthly expenses: $4966 (total)
??? Housing: $3852.62 (total)
??????? $3402.62 - Mortgage payment (Includes property taxes) (i have a 30 year fixed mortgage)
??????? $450 - Home owners dues
??? Insurance: ~$72 (total)
???????? $32.33 - Home
???????? $40 - Car
??? Car expenses: $105 (total)
???????? $105 - Gas.? (I drive a honda civic, work from home 2 days a week and fill up my tank about 3.5 times a month on average)
??? Utilities: $65 (total)
???????? 65 - PG&E (this is an average and the reason it is so high is because i live in a condo and all my appliances are electric.)
??? Phone, cable, internet: $192 (total)
???????? $60 - Sprint
???????? $132 - Comcast
??? Food, entertainment: $400 (total)
??? Other expenses: $280 (total)
???????? $70/week - Vanguard IRA/Retirement savings
??? Clothing, household expenses
???????? My only housing expenses are mortgage/utilities/home owners dues and those have been accounted for above.
? Credit cards and other loans: $
These will be Zeroed out with this loan but currently i make payments to:
??? - Amex
??? - Bank of America
??? - Partners First
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
425440
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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:
| 17.00% |
Starting borrower rate/APR:
| 18.00% / 20.21% |
Starting monthly payment:
| $180.76 |
|
Auction yield range:
| 16.98% - 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:
| Apr-2002 |
Debt/Income ratio:
| 19% |
Basic (1-10):
| 5 |
Inquiries last 6m:
| 0 | Employment status: | Full-time employee |
Enhanced (1-5): | 5 |
Current / open credit lines:
| 4
/
4 | Length of status: | 9y 5m |
Credit score:
| 680-699 (Jun-2010) |
Total credit lines:
| 11 |
Occupation: | Other |
Now delinquent:
| 0 |
Revolving credit balance:
| $262 | Stated income: | $50,000-$74,999 |
Amount delinquent:
| $0 |
Bankcard utilization:
| 37% | | |
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| No | | |
Delinquencies in last 7y:
| 0 | | | | |
Screen name:
| Carp56 |
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:
| 1 / 1 |
On-time:
| 31 ( 97% )
| 680-699 (Latest)
|
Principal borrowed:
| $3,500.00 | < 31 days late:
| 1
( 3% )
| 680-699
(Sep-2007)
|
Principal balance:
| $454.49 |
31+ days late:
| 0
( 0% )
|
Total payments billed:
| 32 | | |
Description
Auto refinance for sons truck.
Purpose of loan: Auto Loan, 1990 Chevy Pick-up, Kelly Blue Book at $4100.00
My financial situation:
With my spouse starting work as a School Aid, the added income will help to pay on this loan. As noted in my credit report I have no virtually no debt to income. I have longevity with my employment and well established in my community. As you can see below I will be well within my monthly allotment to pay back this loan.
The cost of the vehicle is $3000.00.
I requested slightly more to cover the cost of the plates, registration, ect.
Monthly net income: $ 2400.00 my income, $600.00 spouse income.
Monthly expenses: $
Housing: $ 750.00
Insurance: $ 150.00
Car expenses: $100.00
Utilities: $ 320.00
Phone, cable, internet: $260.00
Food, entertainment: $ 500.00
Clothing, household expenses $ 100.00
Credit cards and other loans: $100.00
Other expenses: $ 40.00 for storage.
Total $2200.00
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
450796
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount:
| $3,000.00 |
Prosper Rating:
| HR |
Auction Duration:
| 7 days
|
Term:
| 36 months |
Estimated loss:
| 18.0% | | |
| | |
|
Starting lender yield:
| 17.00% |
Starting borrower rate/APR:
| 18.00% / 20.21% |
Starting monthly payment:
| $108.46 |
|
Auction yield range:
| 16.98% - 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:
| Jul-2005 |
Debt/Income ratio:
| 18% |
Basic (1-10):
| 5 |
Inquiries last 6m:
| 1 | Employment status: | Full-time employee |
Enhanced (1-5): | 5 |
Current / open credit lines:
| 13
/
13 | Length of status: | 4y 5m |
Credit score:
| 640-659 (Jun-2010) |
Total credit lines:
| 20 |
Occupation: | Other |
Now delinquent:
| 1 |
Revolving credit balance:
| $3,827 | Stated income: | $75,000-$99,999 |
Amount delinquent:
| $279 |
Bankcard utilization:
| 74% | | |
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| No | | |
Delinquencies in last 7y:
| 0 | | | | |
Screen name:
| techie102 |
Borrower's state:
| Tennessee |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan history | Payment history | Credit score history |
Active / total loans:
| 0 / 2 |
On-time:
| 22 ( 88% )
| 640-659 (Latest)
|
Principal borrowed:
| $3,750.00 | < 31 days late:
| 3
( 12% )
| 660-679
(Mar-2008)
620-639
(Jan-2008)
620-639
(Dec-2007)
|
Principal balance:
| $0.00 |
31+ days late:
| 0
( 0% )
|
Total payments billed:
| 25 | | |
Description
Fast Growing Web Marketing Business
Purpose of loan:
The purpose of this loan is to invest in marketing and to acquire new clients for my growing web marketing company.
Business Details
We currently provide services to a range of corporations, non-profits, and marketing agencies. Your support will directly impact my ability to meet my present obligation and move forward with more sales.
Financial Situation
I have paid every lender consistently (car loan, equipment leases, cell phone bill, rent, college loans). I have a low 18% DTI ratio. I increased my credit score with my two previous Prosper loan, which have both been paid off in full. I will do the same with this. My credit score was lower because: 1) I am under 25 years old, and 2) I closed a credit card when I paid it off early.
Education & Experience:
I completed my B.B.A. degree in Entrepreneurship at an accredited 4-year, Division I university. I began making web sites at age 11, generating cash flow by 15, with continued annual growth.
Repayment Plan:
Payments will be made on time. To repay this loan I will use our existing contracts and future contracts. If the business grows substantially, payments will be increased to allow for a quicker payoff. Thanks for your support!
Monthly Income = $3,800.00Monthly Expenses
Apt/Living Expenses= $1,400
Auto/Travel = $500
College loan: $600
Business: $1,000
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
451044
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount:
| $9,999.00 |
Prosper Rating:
| HR |
Auction Duration:
| 7 days
|
Term:
| 36 months |
Estimated loss:
| 18.0% | | |
| | |
|
Starting lender yield:
| 19.00% |
Starting borrower rate/APR:
| 20.00% / 22.24% |
Starting monthly payment:
| $371.60 |
|
Auction yield range:
| 16.98% - 19.00% |
Estimated loss impact:
| 19.06% | | |
Lender servicing fee:
| 1.00% |
Estimated return:
| -0.06% | | |
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper scores:
| |
First credit line:
| Nov-1975 |
Debt/Income ratio:
| 30% |
Basic (1-10):
| 5 |
Inquiries last 6m:
| 0 | Employment status: | Full-time employee |
Enhanced (1-5): | 4 |
Current / open credit lines:
| 12
/
12 | Length of status: | 18y 1m |
Credit score:
| 640-659 (Jun-2010) |
Total credit lines:
| 24 |
Occupation: | Skilled Labor |
Now delinquent:
| 0 |
Revolving credit balance:
| $16,747 | Stated income: | $25,000-$49,999 |
Amount delinquent:
| $0 |
Bankcard utilization:
| 86% | | |
Public records last 12m / 10y:
| 0/ 1 |
Homeownership:
| No | | |
Delinquencies in last 7y:
| 0 | | | | |
Screen name:
| rogtheanimal |
Borrower's state:
| Indiana |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan history | Payment history | Credit score history |
Active / total loans:
| 1 / 1 |
On-time:
| 20 ( 100% )
| 640-659 (Latest)
|
Principal borrowed:
| $2,500.00 | < 31 days late:
| 0
( 0% )
| 680-699
(Sep-2008)
|
Principal balance:
| $967.13 |
31+ days late:
| 0
( 0% )
|
Total payments billed:
| 20 | | |
Description
Paying you instead of banks
Purpose of loan:
This loan will be used to payoff credit cards.
My financial situation:
I am a good candidate for this loan because?I have always paid my bills on time.?I would rather share my money(interest) with common people,rather than the big credit card corporations.
Monthly net income: $3400
Monthly expenses: $
??Housing: $50
??Insurance: $150
??Car expenses: $ 100
??Utilities: $?230
??Phone, cable, internet: $?190??Food, entertainment: $ 500
??Clothing, household expenses $ 100
??Credit cards and other loans: $ 550
??Other expenses: $ 100
I own my home I am not sure why it say no on my profile. I also own a Rental property valued at $36,000
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
451572
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount:
| $7,500.00 |
Prosper Rating:
| HR |
Auction Duration:
| 7 days
|
Term:
| 36 months |
Estimated loss:
| 18.0% | | |
| | |
|
Starting lender yield:
| 19.00% |
Starting borrower rate/APR:
| 20.00% / 22.24% |
Starting monthly payment:
| $278.73 |
|
Auction yield range:
| 16.98% - 19.00% |
Estimated loss impact:
| 19.06% | | |
Lender servicing fee:
| 1.00% |
Estimated return:
| -0.06% | | |
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper scores:
| |
First credit line:
| Feb-1996 |
Debt/Income ratio:
| Self-employed (DTI Not Calculated) |
Basic (1-10):
| 4 |
Inquiries last 6m:
| 1 | Employment status: | Self-employed |
Enhanced (1-5): | 3 |
Current / open credit lines:
| 11
/
11 | Length of status: | 23y 5m |
Credit score:
| 660-679 (Jun-2010) |
Total credit lines:
| 26 |
Occupation: | Other |
Now delinquent:
| 0 |
Revolving credit balance:
| $30,813 | Stated income: | $100,000+ |
Amount delinquent:
| $0 |
Bankcard utilization:
| 92% | | |
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| Yes | | |
Delinquencies in last 7y:
| 1 | | | | |
Screen name:
| crusader321 |
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
Buy out partner and build business
Purpose of loan:
This loan will be used to buy out my partner who no longer wishes to participate in the business. This will allow me to run with several new ideas, put salespeople on the street and grow our new website.
My financial situation:
I am a good candidate for this loan because I am a proven entrepreneur in business since 1987.?I have weathered the current recession by living below my means, putting in the extra hours and working hard! I have never missed a mortgage or car payment in 20+ years of having my own business.
Monthly net income: $ 7500.00
Monthly expenses: $
??Housing: $ 2000.00
??Insurance: $ 438.00
??Car expenses: $ 0.00
??Utilities: $?250.00
??Phone, cable, internet: $200.00
??Food, entertainment: $ 1000.00
??Clothing, household expenses $100.00
??Credit cards and other loans: $ 1000.00
??Other expenses: $ 750.00
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
458652
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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:
| 26.38% |
Starting borrower rate/APR:
| 27.38% / 29.72% |
Starting monthly payment:
| $205.15 |
|
Auction yield range:
| 10.98% - 26.38% |
Estimated loss impact:
| 10.66% | | |
Lender servicing fee:
| 1.00% |
Estimated return:
| 15.72% | | |
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper scores:
| |
First credit line:
| Mar-1970 |
Debt/Income ratio:
| 16% |
Basic (1-10):
| 7 |
Inquiries last 6m:
| 3 | Employment status: | Full-time employee |
Enhanced (1-5): | 3 |
Current / open credit lines:
| 22
/
19 | Length of status: | 40y 5m |
Credit score:
| 720-739 (May-2010) |
Total credit lines:
| 29 |
Occupation: | Computer Programmer |
Now delinquent:
| 0 |
Revolving credit balance:
| $64,264 | Stated income: | $100,000+ |
Amount delinquent:
| $0 |
Bankcard utilization:
| 95% | | |
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| Yes | | |
Delinquencies in last 7y:
| 0 | | | | |
Screen name:
| knowledgeable-deal9 |
Borrower's state:
| Massachusetts |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Description
My daughter's medical bills
Purpose of loan:
This loan will be used to?
Pay my daughter's medical bills. She got into a car accident and she needs surgery. She makes $2,000 a month but she needs help getting a loan. She has been on top of her payments for 2 years. She has a car without a car loan, she has never filed for bankruptcy, does not have home equity (she lives with me and my wife without rent), she does have a student loan for $10,000 (with monthly payments of $100), she has 3 credit cards to help pay for school supplies (books, computer, software, etc.), she has a credit score of 680 & she is 20.5 years old. She is unable to get a loan from lenders because she does not have enough established credit even though she has nothing negative on her report.? The bill needs to be paid by July 1st and we don't have enough time to save that much money.
My Yearly Income: $200,000
My Wife's Yearly Income: $75,000
My Daughter's Yearly Income: $24,000
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
458996
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount:
| $7,700.00 |
Prosper Rating:
| C |
Auction Duration:
| 7 days
|
Term:
| 36 months |
Estimated loss:
| 8.5% | | |
| | |
|
Starting lender yield:
| 23.56% |
Starting borrower rate/APR:
| 24.56% / 26.86% |
Starting monthly payment:
| $304.36 |
|
Auction yield range:
| 7.98% - 23.56% |
Estimated loss impact:
| 9.06% | | |
Lender servicing fee:
| 1.00% |
Estimated return:
| 14.50% | | |
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:
| Apr-1993 |
Debt/Income ratio:
| Self-employed (DTI Not Calculated) |
Basic (1-10):
| 4 |
Inquiries last 6m:
| 4 | Employment status: | Self-employed |
Enhanced (1-5): | 3 |
Current / open credit lines:
| 15
/
12 | Length of status: | 8y 0m |
Credit score:
| 780-799 (May-2010) |
Total credit lines:
| 25 |
Occupation: | Other |
Now delinquent:
| 0 |
Revolving credit balance:
| $4,429 | Stated income: | $100,000+ |
Amount delinquent:
| $0 |
Bankcard utilization:
| 22% | | |
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| Yes | | |
Delinquencies in last 7y:
| 0 | | | | |
Screen name:
| astute-agreement |
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
Top Florida Restaurant Expands!
Purpose of loan:
This loan will be used to?Expansion....due to wonderful customers!
Our popular family owned? restaurant can be found at http://www.CrazyFishLakeWales.com. We are located in Lake Wales, Florida and the Crazy Fish has been in business for 8 years now....and we continue to grow in popularity. Please feel free to google search us!
We are rated among the top 5 most popular restaurants in the entire state of Florida...and we have more customers then we have capacity.
After spending nearly $50K cash of our own money, we were able to legally increase our seating capacity by switching from septic to city water. This loan will go to the construction of an outdoor seating facility...aka....a deck which will not only increase capacity, but also productivity and revenue as well.
My financial situation:
I am a good candidate for this loan because?Longevity. Excellent credit. We are profitable...and with added seating capacity...we will be more profitable.
This is an old school, family run business built from scratch...if that still counts for anything. We have been in business for 8 years and have grown each year.
Our credit rating is excellent, we own the property our restaurant is located on, we own our own home and a rental duplex. This is a family run business....and supports my family....so I have a vested interest in it's continued success.
My wife, daughter, son, son in law, and two grand children have all worked hard to turn this former biker bar into one of the most popular seafood restaurants in the state of Florida. I am proud of what we have accomplished here. ??
We gross close to a million dollars a year......and we are honest people with a good reputation in this community. As the snow birds depart, we feel this is the right time to begin construction on this new deck which will include our own money as well.
We appreciate your faith and support and look forward to meeting many of you bidders in the future!
Thank You!
http://www.crazyfishlakewales.com
Monthly net income: $ 20 to 25K
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
459966
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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:
| 27.38% |
Starting borrower rate/APR:
| 28.38% / 30.73% |
Starting monthly payment:
| $623.54 |
|
Auction yield range:
| 10.98% - 27.38% |
Estimated loss impact:
| 10.68% | | |
Lender servicing fee:
| 1.00% |
Estimated return:
| 16.70% | | |
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper scores:
| |
First credit line:
| Nov-1994 |
Debt/Income ratio:
| 80% |
Basic (1-10):
| 7 |
Inquiries last 6m:
| 0 | Employment status: | Full-time employee |
Enhanced (1-5): | 3 |
Current / open credit lines:
| 11
/
10 | Length of status: | 11y 5m |
Credit score:
| 700-719 (May-2010) |
Total credit lines:
| 19 |
Occupation: | Food Service |
Now delinquent:
| 0 |
Revolving credit balance:
| $57,131 | Stated income: | $25,000-$49,999 |
Amount delinquent:
| $0 |
Bankcard utilization:
| 75% | | |
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| No | | |
Delinquencies in last 7y:
| 0 | | | | |
Screen name:
| bold-fairness-trophy |
Borrower's state:
| NewYork |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Description
Paying off my debt
Purpose of loan:
This loan will be used to pay down nagging debts. I am determined to get out of the hole I created and start saving for the future. I am motivated to start a positive cash flow and and hope that you will afford me the opportunity to lend from you to expedite this process. Thanks for the consideration.
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
460144
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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:
| 17.00% |
Starting borrower rate/APR:
| 18.00% / 20.21% |
Starting monthly payment:
| $180.76 |
|
Auction yield range:
| 10.98% - 17.00% |
Estimated loss impact:
| 10.40% | | |
Lender servicing fee:
| 1.00% |
Estimated return:
| 6.60% | | |
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:
| May-2008 |
Debt/Income ratio:
| 12% |
Basic (1-10):
| 7 |
Inquiries last 6m:
| 0 | Employment status: | Full-time employee |
Enhanced (1-5): | 4 |
Current / open credit lines:
| 3
/
3 | Length of status: | 2y 6m |
Credit score:
| 720-739 (May-2010) |
Total credit lines:
| 3 |
Occupation: | Other |
Now delinquent:
| 0 |
Revolving credit balance:
| $1,047 | 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:
| community-appraiser9 |
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 loan for an auto purchase
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
460432
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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:
| 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:
| $119.37 |
|
Auction yield range:
| 5.98% - 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:
| 18% |
Basic (1-10):
| 8 |
Inquiries last 6m:
| 1 | Employment status: | Full-time employee |
Enhanced (1-5): | 5 |
Current / open credit lines:
| 6
/
5 | Length of status: | 4y 3m |
Credit score:
| 740-759 (May-2010) |
Total credit lines:
| 6 |
Occupation: | Computer Programmer |
Now delinquent:
| 0 |
Revolving credit balance:
| $1,945 | Stated income: | $75,000-$99,999 |
Amount delinquent:
| $0 |
Bankcard utilization:
| 23% | | |
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| No | | |
Delinquencies in last 7y:
| 0 | | | | |
Screen name:
| TheArtOfLogic |
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:
| 19 ( 100% )
| 740-759 (Latest)
|
Principal borrowed:
| $3,500.00 | < 31 days late:
| 0
( 0% )
| 640-659
(Oct-2008)
620-639
(Mar-2008)
|
Principal balance:
| $0.57 |
31+ days late:
| 0
( 0% )
|
Total payments billed:
| 19 | | |
Description
No more high-interest debt!
I've made it my goal to have no debt by June of 2011, and a big help to get to that goal is to lower the interest rates I'm paying on my current debt so more goes to principal.
My financial situation:
I am a good candidate for this loan because I have an income of $4,447.78/mo, after taxes. I can verify this with Prosper if there's a way to do that, or I can post a pay stub (blacking out vital personal details of course) so you can verify it for yourself.
Monthly net income: $ 4,447.78
Monthly expenses: $
Rent: $550
Car Insurance: $100
Car payment: $869.09
Gas: $175
Utilities: $150
Cell Phone: $75
Food, entertainment: $200
Credit cards and other loans: $1,243
Total: $ 3,362.09/mo
With my monthly income and expenses you can see that I have on average about $1,000/mo left over. I put almost all of that toward my debt each month. However, I have racked up quite some debt...currently down to $23,000...and it will still take me some time to pay off. As you can see I have no problem paying the bills I have, since I do have a high income and plenty of extra money each month, I just need to be able to lower my interest rate so I can pay it off quicker.
That's where you come in! After my calculations, a 12% interest rate would be lower than my current average interest rate (and lower than most of my current interest rates). That would allow me put more of that money into principal instead of interest, thereby lowering the amount of time it'll take to pay off. I have also used the system recommended by Quicken (which I keep track of on a more-than-daily basis) so that once I pay off one debt I use that payment for the next debt to pay the next one off quicker.
I will be glad to answer any questions you may have and I hope you take this opportunity to fund a no-riskborrower! Just look at my credit profile and ask the last lenders who gained 30% on my last Prosper-funded loan!
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
460642
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount:
| $1,000.00 |
Prosper Rating:
| C |
Auction Duration:
| 7 days
|
Term:
| 36 months |
Estimated loss:
| 6.5% | | |
| | |
|
Starting lender yield:
| 18.90% |
Starting borrower rate/APR:
| 19.90% / 23.68% |
Starting monthly payment:
| $37.11 |
|
Auction yield range:
| 7.98% - 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:
| Jun-2000 |
Debt/Income ratio:
| 18% |
Basic (1-10):
| 10 |
Inquiries last 6m:
| 1 | Employment status: | Full-time employee |
Enhanced (1-5): | 5 |
Current / open credit lines:
| 7
/
7 | Length of status: | 6y 3m |
Credit score:
| 660-679 (May-2010) |
Total credit lines:
| 14 |
Occupation: | Truck Driver |
Now delinquent:
| 0 |
Revolving credit balance:
| $14,111 | Stated income: | $25,000-$49,999 |
Amount delinquent:
| $0 |
Bankcard utilization:
| 92% | | |
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| Yes | | |
Delinquencies in last 7y:
| 0 | | | | |
Screen name:
| tolerant-point |
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
Business Start-up
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
460758
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount:
| $2,000.00 |
Prosper Rating:
| HR |
Auction Duration:
| 7 days
|
Term:
| 36 months |
Estimated loss:
| 18.0% | | |
| | |
|
Starting lender yield:
| 34.00% |
Starting borrower rate/APR:
| 35.00% / 37.45% |
Starting monthly payment:
| $90.47 |
|
Auction yield range:
| 16.98% - 34.00% |
Estimated loss impact:
| 20.01% | | |
Lender servicing fee:
| 1.00% |
Estimated return:
| 13.99% | | |
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper scores:
| |
First credit line:
| May-1999 |
Debt/Income ratio:
| 11% |
Basic (1-10):
| 2 |
Inquiries last 6m:
| 6 | Employment status: | Full-time employee |
Enhanced (1-5): | 2 |
Current / open credit lines:
| 7
/
6 | Length of status: | 23y 4m |
Credit score:
| 720-739 (May-2010) |
Total credit lines:
| 21 |
Occupation: | Clerical |
Now delinquent:
| 2 |
Revolving credit balance:
| $41 | Stated income: | $50,000-$74,999 |
Amount delinquent:
| $1,339 |
Bankcard utilization:
| 8% | | |
Public records last 12m / 10y:
| 0/ 1 |
Homeownership:
| No | | |
Delinquencies in last 7y:
| 3 | | | | |
Screen name:
| debbie40 |
Borrower's state:
| NewYork |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan history | Payment history | Credit score history |
Active / total loans:
| 0 / 1 |
On-time:
| 32 ( 91% )
| 720-739 (Latest)
|
Principal borrowed:
| $1,000.00 | < 31 days late:
| 2
( 6% )
| 560-579
(Nov-2006)
540-559
(Oct-2006)
560-579
(Oct-2006)
540-559
(Sep-2006)
|
Principal balance:
| $7.07 |
31+ days late:
| 1
( 3% )
|
Total payments billed:
| 35 | | |
Description
My personal loan for my education
Purpose of loan:
This loan will be used to help pay for my daughters first semester at college.
My financial situation:
I am a good candidate for this loan because I am reliable.? I obtained a loan before from Prosper and paid the loan off with no problem.
Monthly net income: $ 2,200.00
Monthly expenses: $
??Housing: $ 891.00
??Insurance: $
??Car expenses: $
??Utilities: $
??Phone, cable, internet: $??169.00?
??Food, entertainment: $ 125.00
??Clothing, household expenses $ 100.00
??Credit cards and other loans: $ 140.00
??Other expenses: $
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
460810
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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:
| 16.98% - 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-1995 |
Debt/Income ratio:
| 27% |
Basic (1-10):
| 3 |
Inquiries last 6m:
| 5 | Employment status: | Full-time employee |
Enhanced (1-5): | 2 |
Current / open credit lines:
| 12
/
6 | Length of status: | 13y 3m |
Credit score:
| 760-779 (Jun-2010) |
Total credit lines:
| 25 |
Occupation: | Civil Service |
Now delinquent:
| 0 |
Revolving credit balance:
| $2,135 | Stated income: | $50,000-$74,999 |
Amount delinquent:
| $0 |
Bankcard utilization:
| 33% | | |
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| Yes | | |
Delinquencies in last 7y:
| 0 | | | | |
Screen name:
| best-excellent-listing |
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
Painting, fixtures, & new fence
Purpose of loan:
This loan will be used to work on?our home. We love working on the home ourselves, whenever possible,?so we will make this money go a long way.
My financial situation:
We are?great candidates for this loan because our debt ratio is very low and we have very stable income.
Monthly net income: $ 5000
Monthly expenses: $
??Housing: $ 1981
??Insurance: $ 100
??Car expenses: $?626 (2?car payments)
??Utilities: $ 75
??Phone, cable, internet: $ 100
??Food, entertainment: $ 400
??Clothing, household expenses $ 200
??Credit cards and other loans: $ 200
??Other expenses: $ 0
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
460942
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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:
| 16.98% - 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-1993 |
Debt/Income ratio:
| 20% |
Basic (1-10):
| 5 |
Inquiries last 6m:
| 0 | Employment status: | Full-time employee |
Enhanced (1-5): | 2 |
Current / open credit lines:
| 4
/
4 | Length of status: | 3y 9m |
Credit score:
| 700-719 (Jun-2010) |
Total credit lines:
| 19 |
Occupation: | Analyst |
Now delinquent:
| 0 |
Revolving credit balance:
| $0 | Stated income: | $50,000-$74,999 |
Amount delinquent:
| $0 |
Bankcard utilization:
| 0% | | |
Public records last 12m / 10y:
| 0/ 1 |
Homeownership:
| Yes | | |
Delinquencies in last 7y:
| 0 | | | | |
Screen name:
| first-loot-commando |
Borrower's state:
| California |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Description
Debt consolidation
Purpose of loan:
This loan will be used to? Pay off medical billings?
My financial situation:
I am a good candidate for this loan because? I don't have many other payments to worry about?
Monthly net income: $ 3700.00
Monthly expenses: $
??Housing: $ 1300.00
??Insurance: $ 135.00
??Car expenses: $ 458.00
??Utilities: $ 245.00?
??Phone, cable, internet: $ 150.00?
??Food, entertainment: $ 300.00?
??Clothing, household expenses $ 150.00?
??Credit cards and other loans: $
??Other expenses: $
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
460992
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount:
| $1,300.00 |
Prosper Rating:
| C |
Auction Duration:
| 7 days
|
Term:
| 36 months |
Estimated loss:
| 6.5% | | |
| | |
|
Starting lender yield:
| 23.00% |
Starting borrower rate/APR:
| 24.00% / 26.96% |
Starting monthly payment:
| $51.00 |
|
Auction yield range:
| 7.99% - 23.00% |
Estimated loss impact:
| 7.04% | | |
Lender servicing fee:
| 1.00% |
Estimated return:
| 15.96% | | |
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:
| Apr-1996 |
Debt/Income ratio:
| Not calculated |
Basic (1-10):
| 9 |
Inquiries last 6m:
| 0 | Employment status: | Not employed |
Enhanced (1-5): | 5 |
Current / open credit lines:
| 17
/
15 | Length of status: | 0y 6m |
Credit score:
| 640-659 (May-2010) |
Total credit lines:
| 42 | Stated income: | Not employed |
Now delinquent:
| 0 |
Revolving credit balance:
| $8,537 | |
Amount delinquent:
| $0 |
Bankcard utilization:
| 92% | | |
Public records last 12m / 10y:
| 0/ 1 |
Homeownership:
| No | | |
Delinquencies in last 7y:
| 0 | | | | |
Screen name:
| myrtle58 |
Borrower's state:
| Indiana |
Borrower's group:
| Lend2's Group |
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan history | Payment history | Credit score history |
Active / total loans:
| 0 / 1 |
On-time:
| 31 ( 89% )
| 640-659 (Latest)
|
Principal borrowed:
| $3,500.00 | < 31 days late:
| 4
( 11% )
| 620-639
(Apr-2010)
640-659
(Oct-2008)
600-619
(Jan-2008)
600-619
(Dec-2007)
|
Principal balance:
| $24.12 |
31+ days late:
| 0
( 0% )
|
Total payments billed:
| 35 | | |
Description
paying bills
Purpose of loan:
This loan will be used to??
pay remaining home improvement?bills?. My husband's income is 3600.00 after taxes, and our expenses run about 2000.00.?.I have also been previously verified through Prosper as a homeowner.?We appreciate any and all help offered and we are grateful to anyone and everyone that reads our story?.
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
461248
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount:
| $5,200.00 |
Prosper Rating:
| HR |
Auction Duration:
| 7 days
|
Term:
| 36 months |
Estimated loss:
| 18.0% | | |
| | |
|
Starting lender yield:
| 34.00% |
Starting borrower rate/APR:
| 35.00% / 37.45% |
Starting monthly payment:
| $235.23 |
|
Auction yield range:
| 16.98% - 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-2006 |
Debt/Income ratio:
| 21% |
Basic (1-10):
| 5 |
Inquiries last 6m:
| 1 | Employment status: | Full-time employee |
Enhanced (1-5): | 3 |
Current / open credit lines:
| 6
/
6 | Length of status: | 0y 4m |
Credit score:
| 700-719 (May-2010) |
Total credit lines:
| 13 |
Occupation: | Sales - Retail |
Now delinquent:
| 0 |
Revolving credit balance:
| $2,390 | Stated income: | $25,000-$49,999 |
Amount delinquent:
| $0 |
Bankcard utilization:
| 37% | | |
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| No | | |
Delinquencies in last 7y:
| 0 | | | | |
Screen name:
| ready-generosity4 |
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
1st time home buyer..!
I just moved to the Miami, FL area to?seek employment and soon looking to open up a small casual?boutique for men and women. I currently work in?a men's apparel boutique now, which is very nice. The purpose for my loan is to rent to own a condo, and I need this loan to make my?initial deposit.?I'm currently residing at a friends house and I would like to get my own place soon.? On a monthly basis?my income is around $1950.00 and??my monthly expenses total $588.00, if possible please help me..! Thanks
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
461270
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount:
| $15,000.00 |
Prosper Rating:
| HR |
Auction Duration:
| 7 days
|
Term:
| 36 months |
Estimated loss:
| 25.0% | | |
| | |
|
Starting lender yield:
| 17.00% |
Starting borrower rate/APR:
| 18.00% / 20.21% |
Starting monthly payment:
| $542.29 |
|
Auction yield range:
| 16.98% - 17.00% |
Estimated loss impact:
| 25.94% | | |
Lender servicing fee:
| 1.00% |
Estimated return:
| -8.94% | | |
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:
| Aug-1994 |
Debt/Income ratio:
| 30% |
Basic (1-10):
| 2 |
Inquiries last 6m:
| 5 | Employment status: | Full-time employee |
Enhanced (1-5): | 1 |
Current / open credit lines:
| 24
/
22 | Length of status: | 14y 11m |
Credit score:
| 660-679 (Jun-2010) |
Total credit lines:
| 57 |
Occupation: | Executive |
Now delinquent:
| 0 |
Revolving credit balance:
| $62,073 | Stated income: | $100,000+ |
Amount delinquent:
| $0 |
Bankcard utilization:
| 96% | | |
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| Yes | | |
Delinquencies in last 7y:
| 0 | | | | |
Screen name:
| return-accordion3 |
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
Good Risk - Steadily Employed
Purpose of loan:
This loan will be used to consolidate higher rate revolving credit lines.? I am currently making my monthly payments without difficulty but?am seeking to consolidate?two or more of these revolving credit lines to?lower the payment and allow for?more rapid debt payoff. ?
My financial situation:
I am a good candidate for this loan because I am?steadily employed by the Federal government?within the Senior Executive Service and have maintained a national security clearance since 2001. ?
Monthly net income: $8500
Monthly expenses: $
??Housing: $ 1825
??Insurance: $ 120
?Car expenses: $ 416?
??Utilities: $ 100
??Phone, cable, internet: $ 175
??Food, entertainment: $ 350
??Clothing, household expenses $150
??Credit cards and other loans: $ 3000
??Other expenses: $
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
461324
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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:
| 3.98% - 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-1997 |
Debt/Income ratio:
| 39% |
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: | 9y 0m |
Credit score:
| 760-779 (Jun-2010) |
Total credit lines:
| 11 |
Occupation: | Retail Management |
Now delinquent:
| 0 |
Revolving credit balance:
| $8,309 | Stated income: | $25,000-$49,999 |
Amount delinquent:
| $0 |
Bankcard utilization:
| 16% | | |
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| No | | |
Delinquencies in last 7y:
| 0 | | | | |
Screen name:
| awesome-velocity |
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 credit cards.
Purpose of loan:
This loan will be used to?
pay off my 3 credit cards and my daughters emergency room bill.
My financial situation:
I am a good candidate for this loan because?I always pay my bills on time and I will pay every cent of it off.
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
461326
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount:
| $8,750.00 |
Prosper Rating:
| B |
Auction Duration:
| 7 days
|
Term:
| 36 months |
Estimated loss:
| 5.0% | | |
| | |
|
Starting lender yield:
| 13.85% |
Starting borrower rate/APR:
| 14.85% / 17.02% |
Starting monthly payment:
| $302.68 |
|
Auction yield range:
| 5.98% - 13.85% |
Estimated loss impact:
| 5.23% | | |
Lender servicing fee:
| 1.00% |
Estimated return:
| 8.62% | | |
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper scores:
| |
First credit line:
| Nov-1999 |
Debt/Income ratio:
| 7% |
Basic (1-10):
| 8 |
Inquiries last 6m:
| 2 | Employment status: | Full-time employee |
Enhanced (1-5): | 5 |
Current / open credit lines:
| 6
/
5 | Length of status: | 2y 7m |
Credit score:
| 740-759 (Jun-2010) |
Total credit lines:
| 23 |
Occupation: | Skilled Labor |
Now delinquent:
| 0 |
Revolving credit balance:
| $59 | Stated income: | $50,000-$74,999 |
Amount delinquent:
| $0 |
Bankcard utilization:
| 0% | | |
Public records last 12m / 10y:
| 0/ 1 |
Homeownership:
| No | | |
Delinquencies in last 7y:
| 0 | | | | |
Screen name:
| kevdigital |
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
Personal Loan
Purpose of loan:
Personal loan to purchase equipment for side business making furniture.???????
My financial situation:
I have no credit card balances and low monthly expenses.?I have enough available credit but am trying to avoid using higher interest credit cards.????????
Monthly net income: $6000.00????
Monthly expenses: $ 1170.00
??Housing: $ 750.00????
??Insurance: $ paid in full every six months
??Car expenses: $ paid off????
??Utilities: $?75.00
??Phone, cable, internet: $ 95.00
??Food, entertainment: $ 250.00
??Clothing, household expenses $
??Credit cards and other loans: $ 0
??Other expenses: $ 0
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
461330
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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:
| 16.98% - 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-1999 |
Debt/Income ratio:
| 7% |
Basic (1-10):
| 3 |
Inquiries last 6m:
| 10 | Employment status: | Full-time employee |
Enhanced (1-5): | 4 |
Current / open credit lines:
| 14
/
12 | Length of status: | 17y 10m |
Credit score:
| 600-619 (May-2010) |
Total credit lines:
| 28 |
Occupation: | Other |
Now delinquent:
| 0 |
Revolving credit balance:
| $15,821 | Stated income: | $75,000-$99,999 |
Amount delinquent:
| $0 |
Bankcard utilization:
| 49% | | |
Public records last 12m / 10y:
| 0/ 1 |
Homeownership:
| Yes | | |
Delinquencies in last 7y:
| 0 | | | | |
Screen name:
| Gibsound |
Borrower's state:
| Pennsylvania |
Borrower's group:
| Pittsburgh / Western Pennsylvania |
Credit and homeownership information was obtained 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:
| 14 ( 100% )
| 600-619 (Latest)
|
Principal borrowed:
| $5,500.00 | < 31 days late:
| 0
( 0% )
| 680-699
(Nov-2009)
680-699
(Aug-2009)
660-679
(Jul-2009)
680-699
(May-2008)
|
Principal balance:
| $0.01 |
31+ days late:
| 0
( 0% )
|
Total payments billed:
| 14 | | |
Description
Remodeling investment property
Purpose of loan:
This loan will be used to make repairs and remodel an investment property. Installing a new furnace and central air system.
My financial situation: I work fulltime for the only Specialty Steel company in the world that made a profit last year. I also recieve income from investment properties.
Regardless of the HR Prosper Rating. This will be my third successful loan with Prosper.com
Monthly net income: $4600
Monthly expenses: $
??Housing: $1400
??Insurance: $200
??Car expenses: $400
??Utilities: $525
??Phone, cable, internet: $100
??Food, entertainment: $100
??Clothing, household expenses $200
??Credit cards and other loans: $300
??Other expenses: $200
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
461332
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount:
| $10,000.00 |
Prosper Rating:
| HR |
Auction Duration:
| 7 days
|
Term:
| 36 months |
Estimated loss:
| 25.0% | | |
| | |
|
Starting lender yield:
| 34.00% |
Starting borrower rate/APR:
| 35.00% / 37.45% |
Starting monthly payment:
| $452.36 |
|
Auction yield range:
| 16.98% - 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-1998 |
Debt/Income ratio:
| 18% |
Basic (1-10):
| 3 |
Inquiries last 6m:
| 3 | Employment status: | Full-time employee |
Enhanced (1-5): | 3 |
Current / open credit lines:
| 3
/
3 | Length of status: | 5y 1m |
Credit score:
| 660-679 (Jun-2010) |
Total credit lines:
| 22 |
Occupation: | Laborer |
Now delinquent:
| 2 |
Revolving credit balance:
| $45 | Stated income: | $25,000-$49,999 |
Amount delinquent:
| $0 |
Bankcard utilization:
| 1% | | |
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| Yes | | |
Delinquencies in last 7y:
| 13 | | | | |
Screen name:
| guard987 |
Borrower's state:
| Massachusetts |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Description
paying for my sons college
Purpose of loan:
This loan will be used to pay for a loan for my son, to go to college. he defaulted on the loan and i was a co-signer. That is why it has brought down my credit. I will pay every payment on time, to whoever wants to give me the loan. This will be such a blessing, thank you
My financial situation: me, my husband and son will contribute to the payments so we are in good financial standings.
I am a good candidate for this loan because?
Monthly net income: $ 2000
Monthly expenses: $ 800
??Housing: $0
??Insurance: $0
??Car expenses: $0
??Utilities: $500
??Phone, cable, internet: $100
??Food, entertainment: $0
??Clothing, household expenses $50
??Credit cards and other loans: $0
??Other expenses: $
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
461336
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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:
| 17.00% |
Starting borrower rate/APR:
| 18.00% / 20.21% |
Starting monthly payment:
| $903.81 |
|
Auction yield range:
| 16.98% - 17.00% |
Estimated loss impact:
| 25.94% | | |
Lender servicing fee:
| 1.00% |
Estimated return:
| -8.94% | | |
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-1999 |
Debt/Income ratio:
| 33% |
Basic (1-10):
| 2 |
Inquiries last 6m:
| 0 | Employment status: | Full-time employee |
Enhanced (1-5): | 1 |
Current / open credit lines:
| 1
/
1 | Length of status: | 0y 10m |
Credit score:
| 660-679 (Jun-2010) |
Total credit lines:
| 4 |
Occupation: | Construction |
Now delinquent:
| 0 |
Revolving credit balance:
| $0 | Stated income: | $50,000-$74,999 |
Amount delinquent:
| $0 |
Bankcard utilization:
| 0% | | |
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| No | | |
Delinquencies in last 7y:
| 0 | | | | |
Screen name:
| reasonable-credit32 |
Borrower's state:
| Louisiana |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Description
Gastric Bypass Surgery
Purpose of loan:
This loan will be used to pay for gastric bypass surgery.?
My financial situation:
I am a good candidate for this loan because I do not have much debt and I pay my bills.?????
Monthly net income: $4,000
Monthly expenses: $
??Housing: $ 100
??Insurance: $ 200
??Car expenses: $ 100?
??Utilities: $ 200
??Phone, cable, internet: $200
??Food, entertainment: $?300
??Clothing, household expenses $100
??Credit cards and other loans: $ 460
??Other expenses: $
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
461338
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount:
| $5,000.00 |
Prosper Rating:
| HR |
Auction Duration:
| 7 days
|
Term:
| 36 months |
Estimated loss:
| 34.5% | | |
| | |
|
Starting lender yield:
| 34.00% |
Starting borrower rate/APR:
| 35.00% / 37.45% |
Starting monthly payment:
| $226.18 |
|
Auction yield range:
| 16.98% - 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-1981 |
Debt/Income ratio:
| 22% |
Basic (1-10):
| 1 |
Inquiries last 6m:
| 1 | Employment status: | Full-time employee |
Enhanced (1-5): | 1 |
Current / open credit lines:
| 3
/
3 | Length of status: | 1y 9m |
Credit score:
| 640-659 (Jun-2010) |
Total credit lines:
| 40 |
Occupation: | Other |
Now delinquent:
| 12 |
Revolving credit balance:
| $0 | Stated income: | $1-$24,999 |
Amount delinquent:
| $11,429 |
Bankcard utilization:
| 0% | | |
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| Yes | | |
Delinquencies in last 7y:
| 3 | | | | |
Screen name:
| bold-camaraderi-arboretum |
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
travel for military family member
Purpose of loan:
This loan will be used to?fund travel for military family member in Iraq to return home
My financial situation:
I am a good candidate for this loan because?
I can afford to make installment payments
Monthly net income: $
1500
Monthly expenses: $
758
??Housing: $
273 have room mate
??Insurance: $
55
??Car expenses: $
100
??Utilities: $
included in rent
??Phone, cable, internet: $
45
??Food, entertainment: $
75
??Clothing, household expenses $
25
??Credit cards and other loans: $
135
??Other expenses: $
50 storage
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
461344
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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:
| 16.98% - 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-1989 |
Debt/Income ratio:
| Self-employed (DTI Not Calculated) |
Basic (1-10):
| 4 |
Inquiries last 6m:
| 2 | Employment status: | Self-employed |
Enhanced (1-5): | 2 |
Current / open credit lines:
| 5
/
5 | Length of status: | 1y 5m |
Credit score:
| 640-659 (Jun-2010) |
Total credit lines:
| 7 |
Occupation: | Principal |
Now delinquent:
| 0 |
Revolving credit balance:
| $9,344 | Stated income: | $25,000-$49,999 |
Amount delinquent:
| $0 |
Bankcard utilization:
| 88% | | |
Public records last 12m / 10y:
| 1/ 1 |
Homeownership:
| No | | |
Delinquencies in last 7y:
| 0 | | | | |
Screen name:
| meteoric-rate2 |
Borrower's state:
| California |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Description
2nd Location of Martial Arts School
Purpose of loan:
This loan will be used to?
Open another Kid Power Martial Arts School for ages 3-14
My financial situation: Stable, but need a little more leverage to open new location.
I am a good candidate for this loan because?The last location went from 10 to over 100 students in less than 120 days. This location is freeway visible to 350,000 drivers a day in the affluent, Orange County CA area. Plus I have already secured a great studio that is linked to the most successful pre-school in OC with 2 locations. They will be promoting me. Plus all of my contacts are in OC, and still I was able to build in Pasadena at such a fast rate. And, I have studied the Martial Arts for 35 years attaining a 9th Degree Black Belt and my father is in the Martial Arts Hall of Fame. Bruce Lee was "Uncle Bruce." And I have two amazing daughters, 8 and 11, and I am devoted to building an incredible life for them!
Monthly net income: $ $4,000 and will rise quickly.
Monthly expenses: $ $2,800
??Housing: $800
??Insurance: $275
??Car expenses: $Paid off. Nominal.
??Utilities: $100
??Phone, cable, internet: $Included
??Food, entertainment: $400.
??Clothing, household expenses $100
??Credit cards and other loans: $200
??Other expenses: $200
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
461348
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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:
| 16.98% |
Starting borrower rate/APR:
| 17.98% / 20.19% |
Starting monthly payment:
| $144.57 |
|
Auction yield range:
| 16.98% - 16.98% |
Estimated loss impact:
| 18.94% | | |
Lender servicing fee:
| 1.00% |
Estimated return:
| -1.96% | | |
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper scores:
| |
First credit line:
| Dec-1997 |
Debt/Income ratio:
| 2% |
Basic (1-10):
| 5 |
Inquiries last 6m:
| 1 | Employment status: | Full-time employee |
Enhanced (1-5): | 5 |
Current / open credit lines:
| 2
/
2 | Length of status: | 5y 0m |
Credit score:
| 640-659 (Jun-2010) |
Total credit lines:
| 15 |
Occupation: | Professional |
Now delinquent:
| 2 |
Revolving credit balance:
| $335 | Stated income: | $75,000-$99,999 |
Amount delinquent:
| $224 |
Bankcard utilization:
| 27% | | |
Public records last 12m / 10y:
| 0/ 1 |
Homeownership:
| No | | |
Delinquencies in last 7y:
| 19 | | | | |
Screen name:
| green-compassionate-duty |
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
Credit Improvement Loan
Purpose of loan:
Over the last 3 months I have settled and payed off nearly 30,000 in debt.? The purpose of this loan is to reastablish my credit and since I have already paid all of my debts the next thing I need to accomplish is to get a loan of significant value to increase my credit score.
My financial situation:
I am a good candidate because I have been stable over the last 6 years financially were my trouble in the past was in regards to a divorce were I have recently paid all of those previous debts.? The purpose of this loan is to simply help improve my credit score,?were having a significant vaule loan will greatly help in this process.?
Monthly net income: $ 4800
Monthly expenses: $?1481
??Housing: $ 700 (half of?mortgage; I am married were?wife's income?is not part of my income??
??Insurance: $ 140
??Car expenses: $ 0?(supplied by employer)
??Utilities: $ 130
??Phone, cable, internet: $ 81
??Food, entertainment: $ 400
??Clothing, household expenses $ 100
??Credit cards and other loans: $ 30
??Other expenses: $ 0
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
461354
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount:
| $1,100.00 |
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% / 28.53% |
Starting monthly payment:
| $43.74 |
|
Auction yield range:
| 10.98% - 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:
| Mar-1999 |
Debt/Income ratio:
| 31% |
Basic (1-10):
| 8 |
Inquiries last 6m:
| 0 | Employment status: | Full-time employee |
Enhanced (1-5): | 3 |
Current / open credit lines:
| 19
/
18 | Length of status: | 2y 2m |
Credit score:
| 680-699 (Jun-2010) |
Total credit lines:
| 59 |
Occupation: | Teacher |
Now delinquent:
| 2 |
Revolving credit balance:
| $1,313 | Stated income: | $25,000-$49,999 |
Amount delinquent:
| $4,223 |
Bankcard utilization:
| 0% | | |
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| No | | |
Delinquencies in last 7y:
| 0 | | | | |
Screen name:
| Snavorke |
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:
| 33 ( 100% )
| 680-699 (Latest)
|
Principal borrowed:
| $2,000.00 | < 31 days late:
| 0
( 0% )
| 640-659
(Mar-2007)
|
Principal balance:
| $0.00 |
31+ days late:
| 0
( 0% )
|
Total payments billed:
| 33 | | |
Description
My loan for auto repairs relist
Purpose of loan:
This loan will be used to repair the air conditioning compressor, replace?the tires and take care of maintenence on?my truck.? This vehicle is my?only means of transportation.
My financial situation:
I am a good candidate for this loan because I have a steady income.? I work full time as a high-school teacher, and?this will be my second loan through Prosper.? The first loan was used to pay for college classes.? I never missed a payment on that loan, and paid it off almost a year early.
Monthly net income: $ 2700.00
Monthly expenses: $
??Housing: $?200.00
??Insurance: $?100.00
???Phone, cable, internet: $ 70.00
??Food, entertainment: $?300.00
???Credit cards and student loans: $?1500.00
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
461356
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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:
| 10.98% - 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-1997 |
Debt/Income ratio:
| 16% |
Basic (1-10):
| 7 |
Inquiries last 6m:
| 0 | Employment status: | Full-time employee |
Enhanced (1-5): | 5 |
Current / open credit lines:
| 3
/
3 | Length of status: | 1y 0m |
Credit score:
| 640-659 (Jun-2010) |
Total credit lines:
| 30 |
Occupation: | Professor |
Now delinquent:
| 0 |
Revolving credit balance:
| $2,382 | Stated income: | $25,000-$49,999 |
Amount delinquent:
| $0 |
Bankcard utilization:
| 79% | | |
Public records last 12m / 10y:
| 0/ 1 |
Homeownership:
| No | | |
Delinquencies in last 7y:
| 0 | | | | |
Screen name:
| leadbelly138 |
Borrower's state:
| Florida |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan history | Payment history | Credit score history |
Active / total loans:
| 1 / 1 |
On-time:
| 26 ( 100% )
| 640-659 (Latest)
|
Principal borrowed:
| $3,000.00 | < 31 days late:
| 0
( 0% )
| 620-639
(Mar-2008)
|
Principal balance:
| $978.05 |
31+ days late:
| 0
( 0% )
|
Total payments billed:
| 26 | | |
Description
Next Great Book
Purpose of loan:
Fund my Small Book Press, Astrophil Press. We've released three great books and we need a bit of capital for our next three books.
My financial situation:
I am a good candidate for this loan because I am a college professor and my job is not hanging in the balance like so many unfortunate workers. My credit score has been increasing every year for the past three years.
Monthly net income: $ 3830.00
Monthly expenses: $
??Housing: $
600
??Insurance: $
100
??Car expenses: $
200
??Utilities: $
100
??Phone, cable, internet: $ 50
??Food, entertainment: $ 200
??Clothing, household expenses $
100
??Credit cards and other loans: $
300
??Other expenses: $
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
461360
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount:
| $2,500.00 |
Prosper Rating:
| HR |
Auction Duration:
| 7 days
|
Term:
| 36 months |
Estimated loss:
| 18.0% | | |
| | |
|
Starting lender yield:
| 34.00% |
Starting borrower rate/APR:
| 35.00% / 37.45% |
Starting monthly payment:
| $113.09 |
|
Auction yield range:
| 16.98% - 34.00% |
Estimated loss impact:
| 20.01% | | |
Lender servicing fee:
| 1.00% |
Estimated return:
| 13.99% | | |
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper scores:
| |
First credit line:
| Oct-2004 |
Debt/Income ratio:
| 258% |
Basic (1-10):
| 5 |
Inquiries last 6m:
| 1 | Employment status: | Full-time employee |
Enhanced (1-5): | 3 |
Current / open credit lines:
| 1
/
1 | Length of status: | 1y 10m |
Credit score:
| 660-679 (Jun-2010) |
Total credit lines:
| 9 |
Occupation: | Student - College G... |
Now delinquent:
| 0 |
Revolving credit balance:
| $703 | Stated income: | $1-$24,999 |
Amount delinquent:
| $0 |
Bankcard utilization:
| 63% | | |
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| No | | |
Delinquencies in last 7y:
| 0 | | | | |
Screen name:
| upbeat-capital7 |
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
Poor Law Student Moving!
Purpose of loan:
This loan will be used to pay first month's rent and security deposit on an apartment.
My financial situation: is difficult because I'm a full-time student, but I do have a paying internship this summer - I just need to have some money fronted in order to pay for a move.
I am a good candidate for this loan because I can pay it back quickly and have never been late on any payments
Monthly net income: $ 2000 (only during summer months)
Monthly expenses: $1550
??Housing: $1250
??Insurance: $
??Car expenses: $
??Utilities: $100.00
??Phone, cable, internet: $ 100.00
??Food, entertainment: $ 100.00
??Clothing, household expenses $
??Credit cards and other loans: $ varies
??Other expenses: $
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
461366
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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:
| 16.98% - 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-1992 |
Debt/Income ratio:
| 50% |
Basic (1-10):
| 5 |
Inquiries last 6m:
| 0 | Employment status: | Full-time employee |
Enhanced (1-5): | 3 |
Current / open credit lines:
| 9
/
9 | Length of status: | 11y 5m |
Credit score:
| 700-719 (May-2010) |
Total credit lines:
| 34 |
Occupation: | Other |
Now delinquent:
| 1 |
Revolving credit balance:
| $10,609 | Stated income: | $25,000-$49,999 |
Amount delinquent:
| $1,390 |
Bankcard utilization:
| 86% | | |
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| Yes | | |
Delinquencies in last 7y:
| 21 | | | | |
Screen name:
| graceful-hope3 |
Borrower's state:
| Oregon |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Description
paying off student loan
Purpose of loan:
This loan will be used to?
this loan will be used to pay off my student loan and one credit card bill forever.? No more credit card usage at all.
My financial situation:
I am a good candidate for this loan because?My mortgage and Home equity line of credit is current for the past year now.? I just need a little help.
My spouse income is not included in my monthly income, but is used to pay all bills on a monthly bases.
Monthly net income: $
2200.00(me)? $3600.00 (spouse) ???? ????
Monthly expenses: $
??Housing: $ 3100.00
??Insurance: $
320.00
??Car expenses: $ 421
??Utilities: $ 281.00
??Phone, cable, internet: $
318.00
??Food, entertainment: $ 140.00
??Clothing, household expenses $ 250.00
??Credit cards and other loans: $ 252.00
? CAPITAL ONE: $75.00
??Other expenses: $
320..
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
461368
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount:
| $9,000.00 |
Prosper Rating:
| HR |
Auction Duration:
| 7 days
|
Term:
| 36 months |
Estimated loss:
| 25.0% | | |
| | |
|
Starting lender yield:
| 34.00% |
Starting borrower rate/APR:
| 35.00% / 37.45% |
Starting monthly payment:
| $407.12 |
|
Auction yield range:
| 16.98% - 34.00% |
Estimated loss impact:
| 27.01% | | |
Lender servicing fee:
| 1.00% |
Estimated return:
| 6.99% | | |
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper scores:
| |
First credit line:
| Aug-1990 |
Debt/Income ratio:
| Self-employed (DTI Not Calculated) |
Basic (1-10):
| 2 |
Inquiries last 6m:
| 2 | Employment status: | Self-employed |
Enhanced (1-5): | 2 |
Current / open credit lines:
| 1
/
1 | Length of status: | 5y 4m |
Credit score:
| 640-659 (Jun-2010) |
Total credit lines:
| 7 |
Occupation: | Other |
Now delinquent:
| 0 |
Revolving credit balance:
| $567 | Stated income: | $50,000-$74,999 |
Amount delinquent:
| $0 |
Bankcard utilization:
| 68% | | |
Public records last 12m / 10y:
| 0/ 1 |
Homeownership:
| No | | |
Delinquencies in last 7y:
| 8 | | | | |
Screen name:
| billjf |
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
Business Expansion
Purpose of loan:This loan will be used to expand my small business, BrimstonePC. I will increase my advertising to generate more business and more revenue and, if needed, hire another computer technician. Most of the amount of this loan will be used for working capital(monthly advertising, purchasing parts for customer computer repairs, etc.) and a small amount of equipment(IP phone and software licenses) if another technician is hired.
My financial situation:I am a good candidate for this loan. My gross revenue has increased each year since beginning in 2005 and 2009 was just under $80,000 with a gross income of $52,000/year.
Advertising expenses are approximately $1000 per month.Net income is approximately $2400/month.
The HR Prosper Rating is because I filed personal bankruptcy in late 2005. I did not have enough starting capital and not enough net income in 2005 for some of my personal expenses after business expenses.
I just recently qualified for 0.0% financing on a new car. My credit score was 699.
Monthly Expenses: $1846
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
461380
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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:
| 16.98% - 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-2008 |
Debt/Income ratio:
| 10% |
Basic (1-10):
| 4 |
Inquiries last 6m:
| 1 | Employment status: | Full-time employee |
Enhanced (1-5): | 3 |
Current / open credit lines:
| 1
/
1 | Length of status: | 0y 10m |
Credit score:
| 660-679 (Jun-2010) |
Total credit lines:
| 2 |
Occupation: | Other |
Now delinquent:
| 0 |
Revolving credit balance:
| $388 | Stated income: | $1-$24,999 |
Amount delinquent:
| $0 |
Bankcard utilization:
| 55% | | |
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| No | | |
Delinquencies in last 7y:
| 0 | | | | |
Screen name:
| peaceful-auction88 |
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
Summer School
Purpose of loan:
I am planning for Summer coursework and would like to pay for it on my own.
My financial situation:
I am a good candidate for this loan because? I am a responsible person. I've never made a late payment. ????
Monthly net income: $
1120
Monthly expenses: $
??Housing: $
175
??Insurance: $
??Car expenses: $
??Utilities: $
??Phone, cable, internet: $
??Food, entertainment: $
100
??Clothing, household expenses $
100
??Credit cards and other loans: $
15
??Other expenses: $
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
461384
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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:
| 16.98% - 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-2003 |
Debt/Income ratio:
| 36% |
Basic (1-10):
| 3 |
Inquiries last 6m:
| 3 | Employment status: | Full-time employee |
Enhanced (1-5): | 2 |
Current / open credit lines:
| 8
/
4 | Length of status: | 1y 3m |
Credit score:
| 660-679 (Jun-2010) |
Total credit lines:
| 22 |
Occupation: | Realtor |
Now delinquent:
| 0 |
Revolving credit balance:
| $2,943 | Stated income: | $25,000-$49,999 |
Amount delinquent:
| $0 |
Bankcard utilization:
| 98% | | |
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| No | | |
Delinquencies in last 7y:
| 0 | | | | |
Screen name:
| simon_11 |
Borrower's state:
| Texas |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Description
Refinancing Car for lower payment
Purpose of loan:
Used to pay off my car. I recently started my own business that is currently producing income of approx 3,200 per month, and this loan will allow me to reduce my bills $525 (current auto) for my car and $130 for CONN'S. My primary current situations wll require me to fork over a higher interest payment in return for lower monthly bills. Reducing my bills a net of $475 monthly will be a huge help.
My financial situation:
I have never had a late payment, my living expenses are very low. I have lost my job 3 times this year from no fault of my own and finally decided to start my own business. Even with my current bills and expences I would be able to pay for my bills, but I would like to use this money to pay off my car and another loan which would reduce my monthly bills $475 (this after adding back in the bill for this loan). If I added $180 eliminated $655 it will really help until while my business is in the starting stages. I have never borrowed money and not paid it back. Please notice that I have not had any late payments. EVER!
There is only $400 required monthly for to run my business since they are online. They are already producing income and I have been working on them since October so they are not really fresh. They produce residual income and I am increasing daily in my Search Engine Rankings.
Monthly net income: $ 3,200
My total bills (subtracting car payment and conns while adding $200 -only $180- for this loan are less than $1,500)
Monthly expenses: $ With Loan = $ + Loan payment.
Housing: $ 700
Insurance: $ NONE
Car expenses: $ 525 --- WIll be 0
Utilities: $ Roommate pays
Phone, cable, internet: $ Roommate pays
Food, entertainment: $ 430 per mos $100 per week
Clothing, household expenses $ 0
Credit cards and other loans: $ 300
Other expenses: $ 0
I am a good investment. While paying higher interest for this loan is not the best idea for investment purposes it will loosen up some cash so I can pour more into my business if needed and allow me some breathing room.
Happy BIDDING!!!!
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
461386
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount:
| $6,000.00 |
Prosper Rating:
| A |
Auction Duration:
| 7 days
|
Term:
| 36 months |
Estimated loss:
| 2.1% | | |
| | |
|
Starting lender yield:
| 8.20% |
Starting borrower rate/APR:
| 9.20% / 11.30% |
Starting monthly payment:
| $191.36 |
|
Auction yield range:
| 3.98% - 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-1989 |
Debt/Income ratio:
| 10% |
Basic (1-10):
| 9 |
Inquiries last 6m:
| 1 | Employment status: | Full-time employee |
Enhanced (1-5): | 5 |
Current / open credit lines:
| 6
/
6 | Length of status: | 25y 0m |
Credit score:
| 740-759 (Jun-2010) |
Total credit lines:
| 16 |
Occupation: | Truck Driver |
Now delinquent:
| 0 |
Revolving credit balance:
| $6,827 | Stated income: | $50,000-$74,999 |
Amount delinquent:
| $0 |
Bankcard utilization:
| 33% | | |
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| Yes | | |
Delinquencies in last 7y:
| 0 | | | | |
Screen name:
| marble877 |
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
chris
Purpose of loan:
This loan will be used to consolidate some smaller bills and help our son start making monthly payments towards a car.
My financial situation:
I am a good candidate for this loan because we have never been late on any payments in 23 years and have always tried to live in our means but wanted to help our son out.
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
461390
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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:
| 16.98% - 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-2001 |
Debt/Income ratio:
| 26% |
Basic (1-10):
| 5 |
Inquiries last 6m:
| 0 | Employment status: | Full-time employee |
Enhanced (1-5): | 5 |
Current / open credit lines:
| 12
/
10 | Length of status: | 2y 3m |
Credit score:
| 760-779 (Jun-2010) |
Total credit lines:
| 22 |
Occupation: | Retail Management |
Now delinquent:
| 0 |
Revolving credit balance:
| $643 | Stated income: | $25,000-$49,999 |
Amount delinquent:
| $0 |
Bankcard utilization:
| 20% | | |
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| Yes | | |
Delinquencies in last 7y:
| 5 | | | | |
Screen name:
| penny-thinker6 |
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
Re-opening an established salon
Purpose of loan:
This loan will be used to?re-open an established salon with a full staff and a full clientele base.
My financial situation:
I am a good candidate for this loan because?my partner has over 11 years in salon management and i have over 7 years in retail management. With a dedicated staff, the salon will open smoothly and quickly due to the equipment and personal being prepared to walk into the salon.
Monthly net income: $ 3,500
Monthly expenses: $ 2,000
??Housing: $720
??Insurance: $115
??Car expenses: $700
??Utilities: $120
??Phone, cable, internet: $100
??Food, entertainment: $100
??Clothing, household expenses $50
??Credit cards and other loans: $120
??Other expenses: $0
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
461396
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount:
| $7,000.00 |
Prosper Rating:
| E |
Auction Duration:
| 7 days
|
Term:
| 36 months |
Estimated loss:
| 14.0% | | |
| | |
|
Starting lender yield:
| 17.00% |
Starting borrower rate/APR:
| 18.00% / 20.21% |
Starting monthly payment:
| $253.07 |
|
Auction yield range:
| 13.98% - 17.00% |
Estimated loss impact:
| 14.75% | | |
Lender servicing fee:
| 1.00% |
Estimated return:
| 2.25% | | |
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper scores:
| |
First credit line:
| Apr-1984 |
Debt/Income ratio:
| 27% |
Basic (1-10):
| 6 |
Inquiries last 6m:
| 3 | Employment status: | Full-time employee |
Enhanced (1-5): | 1 |
Current / open credit lines:
| 26
/
22 | Length of status: | 5y 11m |
Credit score:
| 680-699 (Jun-2010) |
Total credit lines:
| 77 |
Occupation: | Principal |
Now delinquent:
| 0 |
Revolving credit balance:
| $109,280 | Stated income: | $100,000+ |
Amount delinquent:
| $0 |
Bankcard utilization:
| 92% | | |
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| Yes | | |
Delinquencies in last 7y:
| 0 | | | | |
Screen name:
| allygab |
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 / 2 |
On-time:
| 63 ( 98% )
| 680-699 (Latest)
|
Principal borrowed:
| $7,500.00 | < 31 days late:
| 1
( 2% )
| 620-639
(Dec-2007)
660-679
(May-2007)
|
Principal balance:
| $1,045.53 |
31+ days late:
| 0
( 0% )
|
Total payments billed:
| 64 | | |
Description
Pay for Daughters College Tuition
Purpose of loan:
This loan will be used to pay for daughters college tuition. ?
My financial situation:
I am a good candidate for this loan because I am employed fulltime. My employment is stable. I pay my bills consistently and I make sure I do not have any late payments. I have been in education for over 20 years. ?
Monthly net income: $ 8,000.00
Monthly expenses: $
??Housing: $ 2,900.00
??Insurance: $ 230.00
??Car expenses: $ 700.00
??Utilities: $?300.00
??Phone, cable, internet: $ 200.00
??Food, entertainment: $ 700.00
??Clothing, household expenses $?300.00
??Credit cards and other loans: $ 600.00
??Other expenses: $ 200.00
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
461398
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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:
| 16.98% - 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:
| Feb-1997 |
Debt/Income ratio:
| 54% |
Basic (1-10):
| 1 |
Inquiries last 6m:
| 4 | Employment status: | Full-time employee |
Enhanced (1-5): | 1 |
Current / open credit lines:
| 14
/
12 | Length of status: | 5y 6m |
Credit score:
| 680-699 (Jun-2010) |
Total credit lines:
| 34 |
Occupation: | Other |
Now delinquent:
| 0 |
Revolving credit balance:
| $1,219 | Stated income: | $25,000-$49,999 |
Amount delinquent:
| $0 |
Bankcard utilization:
| 93% | | |
Public records last 12m / 10y:
| 0/ 1 |
Homeownership:
| Yes | | |
Delinquencies in last 7y:
| 5 | | | | |
Screen name:
| sparrow2121 |
Borrower's state:
| Indiana |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Description
Getting Out of Car Loan Upside Down
Purpose of loan:
This loan will be used to?
Get out of a vehicle loan that is killing us
My financial situation:
I am a good candidate for this loan because?
I have shown good payment history for a long time now and We finally got approved for a vehicle that is more than we should have bought. We were upside down when we traded in, now we need $10,000 to get out of the loan and free up $950 per month.
Monthly net income: $
$3,800 - $4.000
Monthly expenses: $
??Housing: $ 1053
??Insurance: $ 125
??Car expenses: $ 1200
??Utilities: $ 250
??Phone, cable, internet: $ 150
??Food, entertainment: $ 800
??Clothing, household expenses $ 250
??Credit cards and other loans: $ 45
??Other expenses: $ 200
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
461408
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount:
| $15,000.00 |
Prosper Rating:
| AA |
Auction Duration:
| 7 days
|
Term:
| 36 months |
Estimated loss:
| 1.5% | | |
| | |
|
Starting lender yield:
| 9.43% |
Starting borrower rate/APR:
| 10.43% / 10.78% |
Starting monthly payment:
| $487.04 |
|
Auction yield range:
| 2.98% - 9.43% |
Estimated loss impact:
| 1.51% | | |
Lender servicing fee:
| 1.00% |
Estimated return:
| 7.92% | | |
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:
| Mar-1989 |
Debt/Income ratio:
| 19% |
Basic (1-10):
| 6 |
Inquiries last 6m:
| 1 | Employment status: | Full-time employee |
Enhanced (1-5): | 4 |
Current / open credit lines:
| 14
/
13 | Length of status: | 13y 1m |
Credit score:
| 800-819 (Jun-2010) |
Total credit lines:
| 33 |
Occupation: | Medical Technician |
Now delinquent:
| 0 |
Revolving credit balance:
| $3,378 | Stated income: | $50,000-$74,999 |
Amount delinquent:
| $0 |
Bankcard utilization:
| 17% | | |
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| Yes | | |
Delinquencies in last 7y:
| 4 | | | | |
Screen name:
| open-minded-rate4 |
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
home remodeling
Purpose of loan:
This loan will be used to?do some much needed cosmetic work on home I purchased.? Needs kitchen, floors and bathroom's ?updated, ?also some deck repair.
My financial situation:
I am a good candidate for this loan because? I pay all my bills on time and I have very low credit card balances and a great credit score.? I don't plan on retiring any time soon.? I am a government employee in Texas and my job is very secure without any chance of layoff.
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
461410
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount:
| $10,500.00 |
Prosper Rating:
| 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:
| $339.79 |
|
Auction yield range:
| 3.98% - 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:
| May-1991 |
Debt/Income ratio:
| 39% |
Basic (1-10):
| 9 |
Inquiries last 6m:
| 0 | Employment status: | Full-time employee |
Enhanced (1-5): | 4 |
Current / open credit lines:
| 14
/
12 | Length of status: | 11y 6m |
Credit score:
| 700-719 (May-2010) |
Total credit lines:
| 39 |
Occupation: | Engineer - Mechanic... |
Now delinquent:
| 0 |
Revolving credit balance:
| $33,314 | Stated income: | $75,000-$99,999 |
Amount delinquent:
| $0 |
Bankcard utilization:
| 67% | | |
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| Yes | | |
Delinquencies in last 7y:
| 0 | | | | |
Screen name:
| toneman110 |
Borrower's state:
| Ohio |
Borrower's group:
| BuildingTree |
Credit and homeownership information was obtained 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:
| 58 ( 100% )
| 700-719 (Latest)
|
Principal borrowed:
| $19,000.00 | < 31 days late:
| 0
( 0% )
| 700-719
(Jun-2008)
680-699
(May-2007)
680-699
(Apr-2007)
|
Principal balance:
| $2,251.55 |
31+ days late:
| 0
( 0% )
|
Total payments billed:
| 58 | | |
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. Please look at my history. Will use money to pay off 2004 F150 and att card, the currant prosper loan. I pay my bills.
Thanks
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
461420
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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:
| 10.98% |
Starting borrower rate/APR:
| 11.98% / 14.11% |
Starting monthly payment:
| $166.02 |
|
Auction yield range:
| 10.98% - 10.98% |
Estimated loss impact:
| 10.23% | | |
Lender servicing fee:
| 1.00% |
Estimated return:
| 0.75% | | |
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:
| Oct-1986 |
Debt/Income ratio:
| Self-employed (DTI Not Calculated) |
Basic (1-10):
| 7 |
Inquiries last 6m:
| 0 | Employment status: | Self-employed |
Enhanced (1-5): | 5 |
Current / open credit lines:
| 7
/
6 | Length of status: | 1y 0m |
Credit score:
| 760-779 (Jun-2010) |
Total credit lines:
| 20 |
Occupation: | Religious |
Now delinquent:
| 0 |
Revolving credit balance:
| $220 | Stated income: | $25,000-$49,999 |
Amount delinquent:
| $0 |
Bankcard utilization:
| 0% | | |
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| No | | |
Delinquencies in last 7y:
| 0 | | | | |
Screen name:
| Richthrone |
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.
Prosper Activity
Loan history | Payment history | Credit score history |
Active / total loans:
| 1 / 1 |
On-time:
| 21 ( 100% )
| 760-779 (Latest)
|
Principal borrowed:
| $1,650.00 | < 31 days late:
| 0
( 0% )
| 720-739
(Jul-2008)
|
Principal balance:
| $738.58 |
31+ days late:
| 0
( 0% )
|
Total payments billed:
| 21 | | |
Description
Paying off Prosper & Credit Cards
Purpose of loan:
This loan will be used to?Pay off my current Prosper loan and consolidate credit card debts incurred because of major car repair and other family needs.
My financial situation:
I am a good candidate for this loan because?I have proven that over 26 years of using credit and being responsible to pay fixed expenses to live that I put a high priority in my budget to always pay those I owe. I believe that my credit history reflects this fact.
Monthly net income: Approximately $3200
Monthly expenses: Approximately $2900
??Housing: $600
??Insurance: Car insurance; $257
??Car expenses: $400
??Utilities: $280
??Phone, cable, internet: $138
??Food, entertainment: $700
??Clothing, household expenses $200
??Credit cards and other loans: under $100/mo minimum balances
??Other expenses: $225
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
461422
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount:
| $1,000.00 |
Prosper Rating:
| D |
Auction Duration:
| 7 days
|
Term:
| 36 months |
Estimated loss:
| 10.0% | | |
| | |
|
Starting lender yield:
| 25.25% |
Starting borrower rate/APR:
| 26.25% / 30.18% |
Starting monthly payment:
| $40.42 |
|
Auction yield range:
| 10.98% - 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-1997 |
Debt/Income ratio:
| 21% |
Basic (1-10):
| 8 |
Inquiries last 6m:
| 0 | Employment status: | Full-time employee |
Enhanced (1-5): | 4 |
Current / open credit lines:
| 8
/
8 | Length of status: | 0y 7m |
Credit score:
| 660-679 (Jun-2010) |
Total credit lines:
| 31 |
Occupation: | Clerical |
Now delinquent:
| 1 |
Revolving credit balance:
| $1,918 | Stated income: | $25,000-$49,999 |
Amount delinquent:
| $1,568 |
Bankcard utilization:
| 76% | | |
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| No | | |
Delinquencies in last 7y:
| 4 | | | | |
Screen name:
| treasure-britches2 |
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
To Cover Upfront Grad School Costs
Purpose of loan:
This loan will be used to cover additional upfront enrollment, registration, and materials costs toward grad school, until such time as financial aid disbursement is credited back to me.
My financial situation:
I am a good candidate for this loan because I have certain funding through FAFSA in addition to secured employment.
Monthly net income: $2000
Monthly expenses: $
1100
??Housing: $
500
??Insurance: $
??Car expenses: $
85
??Utilities: $
200
??Phone, cable, internet: $
12.50
??Food, entertainment: $
200
??Clothing, household expenses $
20
??Credit cards and other loans: $
100
??Other expenses: $
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
461426
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount:
| $3,500.00 |
Prosper Rating:
| HR |
Auction Duration:
| 7 days
|
Term:
| 36 months |
Estimated loss:
| 18.0% | | |
| | |
|
Starting lender yield:
| 34.00% |
Starting borrower rate/APR:
| 35.00% / 37.45% |
Starting monthly payment:
| $158.33 |
|
Auction yield range:
| 16.98% - 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-2005 |
Debt/Income ratio:
| 36% |
Basic (1-10):
| 4 |
Inquiries last 6m:
| 0 | Employment status: | Full-time employee |
Enhanced (1-5): | 3 |
Current / open credit lines:
| 4
/
3 | Length of status: | 4y 1m |
Credit score:
| 640-659 (Jun-2010) |
Total credit lines:
| 13 |
Occupation: | Other |
Now delinquent:
| 0 |
Revolving credit balance:
| $0 | Stated income: | $25,000-$49,999 |
Amount delinquent:
| $0 |
Bankcard utilization:
| 0% | | |
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| No | | |
Delinquencies in last 7y:
| 0 | | | | |
Screen name:
| cozy-camaraderi4 |
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 my loan
Purpose of loan:
This loan will be used to? help me pay off a loan
My financial situation:
I am a good candidate for this loan because?cause I work and I will pay my bill on time
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
461428
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount:
| $10,000.00 |
Prosper Rating:
| HR |
Auction Duration:
| 7 days
|
Term:
| 36 months |
Estimated loss:
| 25.0% | | |
| | |
|
Starting lender yield:
| 34.00% |
Starting borrower rate/APR:
| 35.00% / 37.45% |
Starting monthly payment:
| $452.36 |
|
Auction yield range:
| 16.98% - 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-2001 |
Debt/Income ratio:
| 18% |
Basic (1-10):
| 2 |
Inquiries last 6m:
| 0 | Employment status: | Full-time employee |
Enhanced (1-5): | 5 |
Current / open credit lines:
| 4
/
4 | Length of status: | 4y 10m |
Credit score:
| 640-659 (Jun-2010) |
Total credit lines:
| 10 |
Occupation: | Teacher |
Now delinquent:
| 4 |
Revolving credit balance:
| $273 | Stated income: | $50,000-$74,999 |
Amount delinquent:
| $224 |
Bankcard utilization:
| 85% | | |
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| No | | |
Delinquencies in last 7y:
| 1 | | | | |
Screen name:
| raiders76 |
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
Business to help my students!
Purpose of loan:
This loan will be used to buy ice cream carts so my students can?work and make money over summer vacation. With the profits I plan to buy more ice cream carts and help more students out. I know if I take care of my students, then they will take care of me.
My financial situation:
I am a good candidate for this loan because I'm a teacher and I have a stable job. Also, I can afford the payments. My credit score is fair but not great and that is why you will receive a nice return on your investment, but I implore you to find a better cause than mine. You are not only helping me but you will be helping at least 4 underprivileged students. So please help me, help them. They are wonderful and hard working kids, who are in search of a summer job, but have to compete with adults because of the bad economy.
Monthly net income: $ 3000-5000 or?63,000 anually. ?I coach 3 sports and every third monthI I receive a higher check and I also work summer school.
Monthly expenses: $
??Housing: $?????????550
??Insurance: $????????140?
??Car expenses: $?????360
??Utilities: $?????????????150
??Phone, cable, internet: $?????200
??Food, entertainment: $?????????200
??Clothing, household expenses $?????100
??Credit cards and other loans: $?????????400
??Other expenses: $?????????????????????????????200
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
461430
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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:
| 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:
| $102.31 |
|
Auction yield range:
| 5.98% - 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-1998 |
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:
| 14
/
12 | Length of status: | 1y 11m |
Credit score:
| 740-759 (May-2010) |
Total credit lines:
| 48 |
Occupation: | Nurse (LPN) |
Now delinquent:
| 0 |
Revolving credit balance:
| $5,884 | Stated income: | $50,000-$74,999 |
Amount delinquent:
| $0 |
Bankcard utilization:
| 52% | | |
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| Yes | | |
Delinquencies in last 7y:
| 0 | | | | |
Screen name:
| cash-buddy5 |
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:
| 2 ( 100% )
| 740-759 (Latest)
|
Principal borrowed:
| $3,300.00 | < 31 days late:
| 0
( 0% )
| 680-699
(Nov-2009)
|
Principal balance:
| $0.01 |
31+ days late:
| 0
( 0% )
|
Total payments billed:
| 2 | | |
Description
Credit Card Consolidation
Purpose of loan:
This loan will be used to pay off a high interest credit card. Unfortunately, I missed one payment and my interest rate went from 9% to 25% with no options to review or reduce this rate until 12 months have lapsed.
My financial situation:
I am a good candidate for this loan because I am a responsible payer and I am committed to paying my debt and maintaining my credit score. I make all efforts to pay on time and in full as quickly as possible.
Monthly net income: $
4000
Monthly expenses: $
??Housing: $
1070
??Insurance: $
120
??Car expenses: $
470
??Utilities: $ 200
??Phone, cable, internet: $
120
??Food, entertainment: $
200 Groceries
??Clothing, household expenses $
0
??Credit cards and other loans: $
400
??Other expenses: $
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
461432
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount:
| $5,250.00 |
Prosper Rating:
| D |
Auction Duration:
| 7 days
|
Term:
| 36 months |
Estimated loss:
| 10.0% | | |
| | |
|
Starting lender yield:
| 26.50% |
Starting borrower rate/APR:
| 27.50% / 29.84% |
Starting monthly payment:
| $215.74 |
|
Auction yield range:
| 10.98% - 26.50% |
Estimated loss impact:
| 10.66% | | |
Lender servicing fee:
| 1.00% |
Estimated return:
| 15.84% | | |
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper scores:
| |
First credit line:
| Nov-2002 |
Debt/Income ratio:
| 19% |
Basic (1-10):
| 7 |
Inquiries last 6m:
| 0 | Employment status: | Full-time employee |
Enhanced (1-5): | 5 |
Current / open credit lines:
| 10
/
8 | Length of status: | 2y 4m |
Credit score:
| 740-759 (Jun-2010) |
Total credit lines:
| 15 |
Occupation: | Other |
Now delinquent:
| 0 |
Revolving credit balance:
| $755 | Stated income: | $25,000-$49,999 |
Amount delinquent:
| $0 |
Bankcard utilization:
| 41% | | |
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| Yes | | |
Delinquencies in last 7y:
| 0 | | | | |
Screen name:
| telehog17 |
Borrower's state:
| Minnesota |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan history | Payment history | Credit score history |
Active / total loans:
| 1 / 1 |
On-time:
| 24 ( 100% )
| 740-759 (Latest)
|
Principal borrowed:
| $7,500.00 | < 31 days late:
| 0
( 0% )
| 600-619
(May-2008)
|
Principal balance:
| $3,057.72 |
31+ days late:
| 0
( 0% )
|
Total payments billed:
| 24 | | |
Description
Painting exterior of house
Purpose of loan:
The city in which my husband and I live is requiring that we
have our house painted this summer. As this is an unexpected project for us to
complete we do not have enough money saved to complete the work the whole
project is going to cost $9,850, we will be paying for the remainder of the
project from our savings.
My financial situation:
I am a great candidate because I have a great credit history
and never miss any payments. I am not sure why I have a rating of ?D?.
Monthly net income: $5500
My take home pay $3000/Month
Husbands Take home pay $2500/Month
Monthly expenses: $4520
??Housing: $
1,100
??Insurance: $
300
??Car expenses: $250
??Utilities: $250
??Phone, cable, internet: $70
??Food, entertainment: $350
??Credit cards and other loans: $1200
??Other expenses: $1000
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
461436
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount:
| $12,400.00 |
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:
| $560.93 |
|
Auction yield range:
| 16.98% - 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:
| Mar-1986 |
Debt/Income ratio:
| 44% |
Basic (1-10):
| 2 |
Inquiries last 6m:
| 2 | Employment status: | Full-time employee |
Enhanced (1-5): | 1 |
Current / open credit lines:
| 10
/
9 | Length of status: | 17y 6m |
Credit score:
| 660-679 (Jun-2010) |
Total credit lines:
| 40 |
Occupation: | Nurse (RN) |
Now delinquent:
| 3 |
Revolving credit balance:
| $31,510 | Stated income: | $50,000-$74,999 |
Amount delinquent:
| $1,063 |
Bankcard utilization:
| 56% | | |
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| Yes | | |
Delinquencies in last 7y:
| 8 | | | | |
Screen name:
| graceful-point4 |
Borrower's state:
| Florida |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Description
paying 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
461438
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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:
| 16.98% - 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-2000 |
Debt/Income ratio:
| 22% |
Basic (1-10):
| 5 |
Inquiries last 6m:
| 2 | Employment status: | Full-time employee |
Enhanced (1-5): | 3 |
Current / open credit lines:
| 6
/
6 | Length of status: | 1y 5m |
Credit score:
| 680-699 (May-2010) |
Total credit lines:
| 7 |
Occupation: | Other |
Now delinquent:
| 0 |
Revolving credit balance:
| $3,347 | Stated income: | $1-$24,999 |
Amount delinquent:
| $0 |
Bankcard utilization:
| 36% | | |
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| Yes | | |
Delinquencies in last 7y:
| 0 | | | | |
Screen name:
| ideal-value0 |
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
Home Renovation,New Siding and Roof
Purpose of loan:
This loan will be used to put new siding and windows on my home, i own my home with no mortgage and thought i would have gotten a better rating, this loan will definitely be getting paid off early. I need the loan to renovate the home and maximize the potential for my cash out loan on the home.
My financial situation:
I am a good candidate for this loan because i have very few expenses, my car and home was paid for in cash.
Monthly net income:
I bring home after taxes roughly $1300 a month with my job as a stylist and another $1200 from my other job that is also provable income, i have been getting a 1099 for the past 2 years for my other job, prosper only lets you list 1 type of income and lets you state the other but i can prove both incomes.
Monthly expenses: $
??Insurance: $
100
??Utilities: $
100
??Phone, cable, internet: $
65
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
461440
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount:
| $20,000.00 |
Prosper Rating:
| HR |
Auction Duration:
| 7 days
|
Term:
| 36 months |
Estimated loss:
| 18.0% | | |
| | |
|
Starting lender yield:
| 34.00% |
Starting borrower rate/APR:
| 35.00% / 37.45% |
Starting monthly payment:
| $904.72 |
|
Auction yield range:
| 16.98% - 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-2000 |
Debt/Income ratio:
| Self-employed (DTI Not Calculated) |
Basic (1-10):
| 2 |
Inquiries last 6m:
| 3 | Employment status: | Self-employed |
Enhanced (1-5): | 2 |
Current / open credit lines:
| 6
/
5 | Length of status: | 10y 5m |
Credit score:
| 740-759 (Jun-2010) |
Total credit lines:
| 24 |
Occupation: | Other |
Now delinquent:
| 0 |
Revolving credit balance:
| $0 | Stated income: | $50,000-$74,999 |
Amount delinquent:
| $0 |
Bankcard utilization:
| 0% | | |
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| No | | |
Delinquencies in last 7y:
| 0 | | | | |
Screen name:
| plentiful-p2ploan3 |
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
abdul
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
461442
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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:
| 18.90% |
Starting borrower rate/APR:
| 19.90% / 22.14% |
Starting monthly payment:
| $111.34 |
|
Auction yield range:
| 7.98% - 18.90% |
Estimated loss impact:
| 6.94% | | |
Lender servicing fee:
| 1.00% |
Estimated return:
| 11.96% | | |
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper scores:
| |
First credit line:
| Dec-2005 |
Debt/Income ratio:
| 26% |
Basic (1-10):
| 9 |
Inquiries last 6m:
| 0 | Employment status: | Full-time employee |
Enhanced (1-5): | 4 |
Current / open credit lines:
| 5
/
5 | Length of status: | 2y 1m |
Credit score:
| 640-659 (Jun-2010) |
Total credit lines:
| 10 |
Occupation: | Medical Technician |
Now delinquent:
| 0 |
Revolving credit balance:
| $3,538 | Stated income: | $1-$24,999 |
Amount delinquent:
| $0 |
Bankcard utilization:
| 58% | | |
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| No | | |
Delinquencies in last 7y:
| 0 | | | | |
Screen name:
| awakening976 |
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
Personal use
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
461444
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount:
| $3,500.00 |
Prosper Rating:
| HR |
Auction Duration:
| 7 days
|
Term:
| 36 months |
Estimated loss:
| 18.0% | | |
| | |
|
Starting lender yield:
| 34.00% |
Starting borrower rate/APR:
| 35.00% / 37.45% |
Starting monthly payment:
| $158.33 |
|
Auction yield range:
| 16.98% - 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-1993 |
Debt/Income ratio:
| 35% |
Basic (1-10):
| 5 |
Inquiries last 6m:
| 0 | Employment status: | Full-time employee |
Enhanced (1-5): | 4 |
Current / open credit lines:
| 6
/
6 | Length of status: | 13y 2m |
Credit score:
| 700-719 (May-2010) |
Total credit lines:
| 14 |
Occupation: | Sales - Retail |
Now delinquent:
| 0 |
Revolving credit balance:
| $4,982 | Stated income: | $25,000-$49,999 |
Amount delinquent:
| $0 |
Bankcard utilization:
| 85% | | |
Public records last 12m / 10y:
| 0/ 1 |
Homeownership:
| No | | |
Delinquencies in last 7y:
| 0 | | | | |
Screen name:
| poorboy |
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.
Prosper Activity
Loan history | Payment history | Credit score history |
Active / total loans:
| 1 / 1 |
On-time:
| 22 ( 100% )
| 700-719 (Latest)
|
Principal borrowed:
| $3,000.00 | < 31 days late:
| 0
( 0% )
| 700-719
(Apr-2010)
700-719
(Mar-2010)
660-679
(Jun-2008)
680-699
(May-2008)
|
Principal balance:
| $1,544.31 |
31+ days late:
| 0
( 0% )
|
Total payments billed:
| 22 | | |
Description
paying off credit cards
Purpose of loan:
This loan will be used to? combine some debts into one payment
My financial situation:
I am a good candidate for this loan because? i make my payments every month but not getting the balance down. make my prosper payments every month.? also would pay off my? current loan with prosper.
Monthly net income: $ 1850.00
Monthly expenses: $
??Housing: $
??Insurance: $
??Car expenses: $ 420.00
??Utilities: $ 85.00
??Phone, cable, internet: $ 100.00
??Food, entertainment: $
??Clothing, household expenses $
??Credit cards and other loans: $ 700.00
??Other expenses: $
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
461446
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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:
| 33.15% |
Starting borrower rate/APR:
| 34.15% / 36.59% |
Starting monthly payment:
| $134.27 |
|
Auction yield range:
| 13.98% - 33.15% |
Estimated loss impact:
| 15.53% | | |
Lender servicing fee:
| 1.00% |
Estimated return:
| 17.62% | | |
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper scores:
| |
First credit line:
| Jul-2000 |
Debt/Income ratio:
| 5% |
Basic (1-10):
| 6 |
Inquiries last 6m:
| 4 | Employment status: | Full-time employee |
Enhanced (1-5): | 5 |
Current / open credit lines:
| 2
/
2 | Length of status: | 1y 11m |
Credit score:
| 660-679 (Jun-2010) |
Total credit lines:
| 8 |
Occupation: | Other |
Now delinquent:
| 1 |
Revolving credit balance:
| $7,822 | Stated income: | $50,000-$74,999 |
Amount delinquent:
| $4,039 |
Bankcard utilization:
| 45% | | |
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| No | | |
Delinquencies in last 7y:
| 3 | | | | |
Screen name:
| stylish-integrity4 |
Borrower's state:
| California |
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.
Description
Repair car in time for Summer
Purpose of loan:
This loan will be used to repair my truck and to finish paying of my student loan.Hubby and I have been sharing cars for the past couple of months because I need repairs done and I would love to get mine repaired in time for summer!!! I have one delinquent account on my credit which is my student loan that I would like to pay and get up to date. I have a secure full-time occupation as a Supervisor at a Child Developmemt Center. Ihave been working their for almost two years and was at my privious employment for 6 years.
Monthly net income: $ 4500
Monthly expenses:
??Housing: $ 1200????
??Insurance: $ 100
??Utilities: $ 220
??Phone, cable, internet: $ 120
??Food $?200
??Credit cards and other loans: $ 400
??Gas: $ 80
Total Monthly Expences: $2320
.
Although I will have 24-36 months to pay my loan off with Prosper I plan to have it paid in 18 months. Im also a Lender on prosper and after repairs would like to invest in other members on Prosper! I think peer to peer lending is the greatest idea! We can all help each other and something so small makes the biggest difference on someones life...including mine! To beable to get my truck repaired and back working would be a huge blessing. Im going to be very thankful to finally have it back. Thank you Prosper family fo ryour help and support!!!
Thank you for your consideration!!
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
461448
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount:
| $5,860.00 |
Prosper Rating:
| HR |
Auction Duration:
| 7 days
|
Term:
| 36 months |
Estimated loss:
| 18.0% | | |
| | |
|
Starting lender yield:
| 18.00% |
Starting borrower rate/APR:
| 19.00% / 21.22% |
Starting monthly payment:
| $214.80 |
|
Auction yield range:
| 16.98% - 18.00% |
Estimated loss impact:
| 19.00% | | |
Lender servicing fee:
| 1.00% |
Estimated return:
| -1.00% | | |
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper scores:
| |
First credit line:
| Dec-1996 |
Debt/Income ratio:
| 10% |
Basic (1-10):
| 5 |
Inquiries last 6m:
| 0 | Employment status: | Full-time employee |
Enhanced (1-5): | 5 |
Current / open credit lines:
| 4
/
4 | Length of status: | 12y 8m |
Credit score:
| 660-679 (May-2010) |
Total credit lines:
| 15 |
Occupation: | Postal Service |
Now delinquent:
| 0 |
Revolving credit balance:
| $3,788 | Stated income: | $50,000-$74,999 |
Amount delinquent:
| $0 |
Bankcard utilization:
| 107% | | |
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| Yes | | |
Delinquencies in last 7y:
| 6 | | | | |
Screen name:
| openness-conga |
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
pool repair
Purpose of loan:
This loan will be used to?
Repair my swimming pool, when i purchased my foreclosed home part of the agreement was to fix the swimming pool my first estimate was all it needed was a liner installed but after further review there are bursted pipes so i need to get those fixed now also
My financial situation:
I am a good candidate for this loan because?
i am bringing home 1700 every 2 weeks and need to update my pool in the foreclosed house i bought and am waiting on my new home owners tax credit? of 6500 to come back and have been told it can take anywhere from 6 to 16 weeks for it to be processed? and i submitted it at the end of March
Monthly net income: $?
3500???
Monthly expenses: $
??Housing: $ 800
??Insurance: $ 120
??Car expenses: $
??Utilities: $ 150
??Phone, cable, internet: $ 150
??Food, entertainment: $ 75
??Clothing, household expenses $
??Credit cards and other loans: $ 325
??Other expenses: $
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
461454
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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:
| 8.5% | | |
| | |
|
Starting lender yield:
| 7.99% |
Starting borrower rate/APR:
| 8.99% / 11.08% |
Starting monthly payment:
| $127.18 |
|
Auction yield range:
| 7.98% - 7.99% |
Estimated loss impact:
| 8.66% | | |
Lender servicing fee:
| 1.00% |
Estimated return:
| -0.67% | | |
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper scores:
| |
First credit line:
| May-1990 |
Debt/Income ratio:
| 12% |
Basic (1-10):
| 5 |
Inquiries last 6m:
| 3 | Employment status: | Full-time employee |
Enhanced (1-5): | 3 |
Current / open credit lines:
| 14
/
11 | Length of status: | 4y 8m |
Credit score:
| 760-779 (Jun-2010) |
Total credit lines:
| 60 |
Occupation: | Administrative Assi... |
Now delinquent:
| 0 |
Revolving credit balance:
| $3,098 | Stated income: | $25,000-$49,999 |
Amount delinquent:
| $0 |
Bankcard utilization:
| 59% | | |
Public records last 12m / 10y:
| 0/ 1 |
Homeownership:
| Yes | | |
Delinquencies in last 7y:
| 0 | | | | |
Screen name:
| peaceful-silver2 |
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
purchasing recreation vehicles
Purpose of loan:
This loan will be used to? purchase recreation vehicles and trailer
My financial situation:
I am a good candidate for this loan because? I pay my debts on time and have a steady, reliable income.
Monthly net income: $ 3000
Monthly expenses: $
??Housing: $ 1165.00
??Insurance: $ 45.00
??Car expenses: $?150
??Utilities: $ 250
??Phone, cable, internet: $150?
??Food, entertainment: $ 600
??Clothing, household expenses $100
??Credit cards and other loans: $?150.00
??Other expenses: $
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
461460
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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:
| 16.98% - 34.00% |
Estimated loss impact:
| 20.01% | | |
Lender servicing fee:
| 1.00% |
Estimated return:
| 13.99% | | |
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper scores:
| |
First credit line:
| Dec-1999 |
Debt/Income ratio:
| 31% |
Basic (1-10):
| 5 |
Inquiries last 6m:
| 1 | Employment status: | Full-time employee |
Enhanced (1-5): | 3 |
Current / open credit lines:
| 7
/
6 | Length of status: | 1y 1m |
Credit score:
| 640-659 (May-2010) |
Total credit lines:
| 10 |
Occupation: | Other |
Now delinquent:
| 0 |
Revolving credit balance:
| $1,585 | Stated income: | $1-$24,999 |
Amount delinquent:
| $0 |
Bankcard utilization:
| 73% | | |
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| No | | |
Delinquencies in last 7y:
| 0 | | | | |
Screen name:
| scholarly-gold2 |
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
Credit Card
My monthly income is: $1,500
Wifes: $3,000
I always pay my bills on time, I would like to pay off my high interest credit card. Please help. Thank you.
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
461462
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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:
| E |
Auction Duration:
| 7 days
|
Term:
| 36 months |
Estimated loss:
| 14.7% | | |
| | |
|
Starting lender yield:
| 23.00% |
Starting borrower rate/APR:
| 24.00% / 26.29% |
Starting monthly payment:
| $137.31 |
|
Auction yield range:
| 13.98% - 23.00% |
Estimated loss impact:
| 15.74% | | |
Lender servicing fee:
| 1.00% |
Estimated return:
| 7.26% | | |
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper scores:
| |
First credit line:
| Sep-1997 |
Debt/Income ratio:
| 14% |
Basic (1-10):
| 7 |
Inquiries last 6m:
| 2 | Employment status: | Full-time employee |
Enhanced (1-5): | 3 |
Current / open credit lines:
| 4
/
4 | Length of status: | 10y 10m |
Credit score:
| 600-619 (Jun-2010) |
Total credit lines:
| 17 |
Occupation: | Teacher |
Now delinquent:
| 0 |
Revolving credit balance:
| $3,030 | Stated income: | $50,000-$74,999 |
Amount delinquent:
| $0 |
Bankcard utilization:
| 77% | | |
Public records last 12m / 10y:
| 0/ 1 |
Homeownership:
| No | | |
Delinquencies in last 7y:
| 2 | | | | |
Screen name:
| doglover21 |
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:
| 24 ( 100% )
| 600-619 (Latest)
|
Principal borrowed:
| $1,500.00 | < 31 days late:
| 0
( 0% )
| 600-619
(Apr-2008)
|
Principal balance:
| $530.76 |
31+ days late:
| 0
( 0% )
|
Total payments billed:
| 24 | | |
Description
Paying off credit cards
Purpose of loan:
This loan will be used to? pay off credit card balance and dental bill
My financial situation:
I am a good candidate for this loan because?
I have had an account with Prosper for the past 2 years and have never missed a payment. I have been current on all my other bills.? I am paying off my credit card and dental balances and would rather pay prosper members than banks.? My debt is low, I paid off my car two years ago and I plan to buy a house in the next several years.
Monthly net income: $
3600
Monthly expenses: $
??Housing: $
1000
??Insurance: $
85
??Car expenses: $
150
??Utilities: $
100
??Phone, cable, internet: $
200
??Food, entertainment: $
300
??Clothing, household expenses $
100
??Credit cards and other loans: $
200
??Other expenses: $
300 school loan
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
461464
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount:
| $2,500.00 |
Prosper Rating:
| HR |
Auction Duration:
| 7 days
|
Term:
| 36 months |
Estimated loss:
| 18.0% | | |
| | |
|
Starting lender yield:
| 34.00% |
Starting borrower rate/APR:
| 35.00% / 37.45% |
Starting monthly payment:
| $113.09 |
|
Auction yield range:
| 16.98% - 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-2006 |
Debt/Income ratio:
| 15% |
Basic (1-10):
| 5 |
Inquiries last 6m:
| 4 | Employment status: | Full-time employee |
Enhanced (1-5): | 2 |
Current / open credit lines:
| 11
/
9 | Length of status: | 1y 2m |
Credit score:
| 700-719 (Jun-2010) |
Total credit lines:
| 14 |
Occupation: | Police Officer/Corr... |
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:
| fantastic-ore |
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
Paying off my credit card
Purpose of loan:
I will use this loan to most importantly pay off my Wells Fargo credit card.? Any left over amount I will put towards?major fix for my vehicles.? ???
My financial situation:
I am a good candidate for this loan because I?always pay my bills on time and am very careful about spending.? The only reason I have the credit card is because?I had to pay off my school.? ?
Monthly net income: $
$1812.00
Monthly expenses: $
??Housing: $ 714
??Insurance: $ 112
??Car expenses: $ 0
??Utilities: $ 50-$90
??Phone, cable, internet: $ 88
??Food, entertainment: $?200
??Clothing, household expenses $50?
??Credit cards and other loans: $?55
??Other expenses: $32 (gym)?
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
461470
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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:
| 10.98% |
Starting borrower rate/APR:
| 11.98% / 14.11% |
Starting monthly payment:
| $166.02 |
|
Auction yield range:
| 10.98% - 10.98% |
Estimated loss impact:
| 10.23% | | |
Lender servicing fee:
| 1.00% |
Estimated return:
| 0.75% | | |
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:
| Mar-2000 |
Debt/Income ratio:
| 26% |
Basic (1-10):
| 8 |
Inquiries last 6m:
| 1 | Employment status: | Full-time employee |
Enhanced (1-5): | 4 |
Current / open credit lines:
| 13
/
12 | Length of status: | 1y 1m |
Credit score:
| 680-699 (Jun-2010) |
Total credit lines:
| 34 |
Occupation: | Other |
Now delinquent:
| 0 |
Revolving credit balance:
| $10,329 | Stated income: | $50,000-$74,999 |
Amount delinquent:
| $0 |
Bankcard utilization:
| 78% | | |
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| No | | |
Delinquencies in last 7y:
| 0 | | | | |
Screen name:
| green-established-return |
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 person in abusive relationship
Purpose of loan:
This loan will be used to help my sister get out of an abusive relationship. She been married for 5 years with?2 kids??She recently reached out to me for help because she has nobody else to turn to.?
Why I am doing this for her?
I'm doing this?for?my sister?because she doesn't have the means to borrow money and because she is the only sister I have.
My financial situation:
I am a good candidate for this loan because I?have a great credit history.?I have?always?paid my loan on time in the?past 10years. I graduated from college about a year ago with a bachelor degree is Information Technology. I have a stable job and I'm currently working as Systems Managers (IT) for a global consultant firm.
Monthly net income: $ 3300.00
Monthly expenses: $
??Housing: $ 450.00
??Insurance: $ 68.00
??Car expenses: $?178.00
??Utilities: $?0
??Phone, cable, internet: $ 80.00
??Food, entertainment: $ 180.00
??Clothing, household expenses $ 30.00
??Credit cards and other loans: $?520.00
??Other expenses: $ 0
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
461472
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount:
| $2,000.00 |
Prosper Rating:
| HR |
Auction Duration:
| 7 days
|
Term:
| 36 months |
Estimated loss:
| 18.0% | | |
| | |
|
Starting lender yield:
| 34.00% |
Starting borrower rate/APR:
| 35.00% / 37.45% |
Starting monthly payment:
| $90.47 |
|
Auction yield range:
| 16.98% - 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-1974 |
Debt/Income ratio:
| 16% |
Basic (1-10):
| 4 |
Inquiries last 6m:
| 0 | Employment status: | Full-time employee |
Enhanced (1-5): | 1 |
Current / open credit lines:
| 1
/
1 | Length of status: | 6y 10m |
Credit score:
| 640-659 (Jun-2010) |
Total credit lines:
| 19 |
Occupation: | Sales - Retail |
Now delinquent:
| 2 |
Revolving credit balance:
| $0 | Stated income: | $1-$24,999 |
Amount delinquent:
| $2,201 |
Bankcard utilization:
| 0% | | |
Public records last 12m / 10y:
| 0/ 2 |
Homeownership:
| No | | |
Delinquencies in last 7y:
| 6 | | | | |
Screen name:
| vivid-repayment2 |
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
Small surgical procedure
Purpose of loan:
This loan will be used to?
enable me to have a small surgical procedure I need.? I do not have medical insurance through my employer
My financial situation:
I am a good candidate for this loan because?I have tried to stay on top of things,? I?OWN my home, albeit a manufactured home, but I hold the title!?
Monthly net income: $ 1800.00
Monthly expenses: $
??Housing: $
??Insurance: $ 92.00
??Car expenses: $??
? Utilities: $ 200.00
??Phone, cable, internet: $ 55.00
??Food, entertainment: $ 150.00
??Clothing, household expenses $ minimal,? not a shopper
??Credit cards and other loans: $ 200.00
??Other expenses: $
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
461474
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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:
| 13.98% - 34.00% |
Estimated loss impact:
| 15.57% | | |
Lender servicing fee:
| 1.00% |
Estimated return:
| 18.43% | | |
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper scores:
| |
First credit line:
| Jun-1999 |
Debt/Income ratio:
| 52% |
Basic (1-10):
| 6 |
Inquiries last 6m:
| 1 | Employment status: | Full-time employee |
Enhanced (1-5): | 1 |
Current / open credit lines:
| 22
/
21 | Length of status: | 9y 2m |
Credit score:
| 640-659 (May-2010) |
Total credit lines:
| 35 |
Occupation: | Retail Management |
Now delinquent:
| 0 |
Revolving credit balance:
| $54,925 | Stated income: | $50,000-$74,999 |
Amount delinquent:
| $0 |
Bankcard utilization:
| 93% | | |
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| Yes | | |
Delinquencies in last 7y:
| 0 | | | | |
Screen name:
| worth-igloo8 |
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
Loan for adoption, Please help!!
Purpose of loan:
This loan will be used for the expenses for an adoption.? We have raised more than half the loan but still need around 8000.
My financial situation:
I am a good candidate for this loan because your loan will be paid back within a year.? We have several grants lined up once the adoption is final but we have to get to that point.? The new adoption tax credit will pay for the loan as well.? Please help our dreams come true and you will be rewarded.
Monthly net income: $ 60000
Monthly expenses: $
??Housing: $750??Insurance: $ 120
??Car expenses: $ 180
??Utilities: $ 200
??Phone, cable, internet: $ 125
??Food, entertainment: $ 200
??Clothing, household expenses $
??Credit cards and other loans: $ 1000
??Other expenses: $
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
461480
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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:
| 16.98% |
Starting borrower rate/APR:
| 17.98% / 20.19% |
Starting monthly payment:
| $289.14 |
|
Auction yield range:
| 16.98% - 16.98% |
Estimated loss impact:
| 18.94% | | |
Lender servicing fee:
| 1.00% |
Estimated return:
| -1.96% | | |
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:
| Feb-1992 |
Debt/Income ratio:
| 17% |
Basic (1-10):
| 3 |
Inquiries last 6m:
| 0 | Employment status: | Full-time employee |
Enhanced (1-5): | 5 |
Current / open credit lines:
| 4
/
2 | Length of status: | 15y 2m |
Credit score:
| 720-739 (Jun-2010) |
Total credit lines:
| 44 |
Occupation: | Attorney |
Now delinquent:
| 2 |
Revolving credit balance:
| $146 | Stated income: | $100,000+ |
Amount delinquent:
| $11,385 |
Bankcard utilization:
| 48% | | |
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| Yes | | |
Delinquencies in last 7y:
| 18 | | | | |
Screen name:
| towering-interest5 |
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
Getting a second snazzy car
We moved from the mainland to Maui in September?2009 and brought one car over but now need a second car.
My financial situation:
I am a solid financial risk even though I am still in a rebuilding credit phase.? I am an Attorney and I have?worked for my employer for over 15 years now; I was able to transfer and work from home.? I did have a divorce?in 2007 and subsequent to that my ex-husband?passed away so I had to let our?prior family home go into foreclosure.? It was the perfect storm as the home was worth way less than we owed on it and I was a single parent trying to support 3 young girls.? I am now coming out of any negatives that I had on my credit as a result of?what happened during that time.??Again, I am a solid?credit risk.
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
461482
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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:
| 9.00% |
Starting borrower rate/APR:
| 10.00% / 12.11% |
Starting monthly payment:
| $322.67 |
|
Auction yield range:
| 7.98% - 9.00% |
Estimated loss impact:
| 6.38% | | |
Lender servicing fee:
| 1.00% |
Estimated return:
| 2.62% | | |
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper scores:
| |
First credit line:
| Dec-2004 |
Debt/Income ratio:
| Self-employed (DTI Not Calculated) |
Basic (1-10):
| 5 |
Inquiries last 6m:
| 1 | Employment status: | Self-employed |
Enhanced (1-5): | 4 |
Current / open credit lines:
| 13
/
13 | Length of status: | 3y 5m |
Credit score:
| 800-819 (Jun-2010) |
Total credit lines:
| 20 |
Occupation: | Other |
Now delinquent:
| 0 |
Revolving credit balance:
| $2,228 | Stated income: | $50,000-$74,999 |
Amount delinquent:
| $0 |
Bankcard utilization:
| 7% | | |
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| Yes | | |
Delinquencies in last 7y:
| 0 | | | | |
Screen name:
| mwoodward |
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
Business Inventory Loan needed
Purpose of loan:
This loan will be used to expand inventory to offer a larger selection of items.?
My financial situation:
I am a good candidate for this loan because as you can see, my credit score is 800+ which shows that I am responsible in paying back debts.? I recently purchased a home 6 months ago and am 23 years old.? You can check out our website at www.yourdealsource.com or you can find us on Amazon.com as well.?
I'm not sure why I'm listed as a "C" but my credit history should speak for itself.? Please feel free to ask me any questions you may have.? Thanks for taking the time to check out my listing and for your consideration.
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
461496
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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:
| 27.38% |
Starting borrower rate/APR:
| 28.38% / 30.73% |
Starting monthly payment:
| $623.54 |
|
Auction yield range:
| 10.98% - 27.38% |
Estimated loss impact:
| 10.68% | | |
Lender servicing fee:
| 1.00% |
Estimated return:
| 16.70% | | |
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper scores:
| |
First credit line:
| Nov-1975 |
Debt/Income ratio:
| 38% |
Basic (1-10):
| 7 |
Inquiries last 6m:
| 1 | Employment status: | Full-time employee |
Enhanced (1-5): | 4 |
Current / open credit lines:
| 13
/
13 | Length of status: | 10y 7m |
Credit score:
| 740-759 (Jun-2010) |
Total credit lines:
| 29 |
Occupation: | Other |
Now delinquent:
| 0 |
Revolving credit balance:
| $47,511 | Stated income: | $75,000-$99,999 |
Amount delinquent:
| $0 |
Bankcard utilization:
| 73% | | |
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| Yes | | |
Delinquencies in last 7y:
| 0 | | | | |
Screen name:
| sharp-credit4 |
Borrower's state:
| Florida |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Description
Paying off my credit cards
Purpose of loan:
This loan will be used to reduce and eliminate credit care debt.??4 years ago my husband was diagnosed with a debilitating progressive neurological condition known as RSD.? While it is very debilitating it is not terminal.? Over the ensuing years we have exhausted our savings and have at times needed to use credit cards to cover insurance, medicine, home improvements to make our house handicap accessible (still more to be done but we are functional at this time) .?? Finally we were approved for SS Disabililty and just this month Medicare.?? Even though I have been forced to make some difficult finiancial decisions I am extremely proud of the fact that I have been able to stay current with our debt and also that our three children have been able to go to and finish college.??
My financial situation:
I am a good candidate for this loan because I have been able to stay current with our debt; however, I need to restructure it so that we have improved cash flow.?? I have been employed for the last 10 years, full time and in the health care profession...so I do not see my job being discontinued.
Monthly net income: $? 4000 - 4500.? My base pay is $310 per day with a commission up to 31% of my daily production.
Monthly expenses: $
??Housing: $ 1596
??Insurance: $ 342
??Car expenses: $ 240
??Utilities: $ 300
??Phone, cable, internet: $ 152
??Food, entertainment: $ 500
??Clothing, household expenses $?100
??Credit cards and other loans: $ 1135
??Other expenses: $ 100
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
461498
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount:
| $8,500.00 |
Prosper Rating:
| 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:
| $278.28 |
|
Auction yield range:
| 3.98% - 10.00% |
Estimated loss impact:
| 2.13% | | |
Lender servicing fee:
| 1.00% |
Estimated return:
| 7.87% | | |
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper scores:
| |
First credit line:
| Jun-1988 |
Debt/Income ratio:
| 21% |
Basic (1-10):
| 9 |
Inquiries last 6m:
| 0 | Employment status: | Full-time employee |
Enhanced (1-5): | 4 |
Current / open credit lines:
| 23
/
15 | Length of status: | 3y 4m |
Credit score:
| 720-739 (Jun-2010) |
Total credit lines:
| 50 |
Occupation: | Professional |
Now delinquent:
| 0 |
Revolving credit balance:
| $52,871 | Stated income: | $100,000+ |
Amount delinquent:
| $0 |
Bankcard utilization:
| 60% | | |
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| Yes | | |
Delinquencies in last 7y:
| 0 | | | | |
Screen name:
| unrivaled-leverage5 |
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
Paying Off High Interest Cards
Purpose of loan:
This loan will be used to?
pay off five smaller higher interest rate credit cards and a small personal loan. Even with good credit and absolutely no?late payments or delinquencies, the credit card companies have raised my interest rates like they have for everyone else these days.?I just want to get these smaller balance cards paid down at a reasonable rate.
My financial situation:
I am a good candidate for this loan because? I have a very good?and secure job in the healthcare industry, and I always pay my?bills on time. You can see from my Prosper score and my credit score that I am a good risk. I have not been late or delinquent with any accounts, and I am a responsible homeowner. There will be no issues with paying this back.
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
461506
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount:
| $10,000.00 |
Prosper Rating:
| C |
Auction Duration:
| 7 days
|
Term:
| 36 months |
Estimated loss:
| 8.0% | | |
| | |
|
Starting lender yield:
| 22.55% |
Starting borrower rate/APR:
| 23.55% / 25.84% |
Starting monthly payment:
| $389.97 |
|
Auction yield range:
| 7.98% - 22.55% |
Estimated loss impact:
| 8.53% | | |
Lender servicing fee:
| 1.00% |
Estimated return:
| 14.02% | | |
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper scores:
| |
First credit line:
| Apr-1989 |
Debt/Income ratio:
| 11% |
Basic (1-10):
| 8 |
Inquiries last 6m:
| 2 | Employment status: | Full-time employee |
Enhanced (1-5): | 5 |
Current / open credit lines:
| 5
/
5 | Length of status: | 2y 3m |
Credit score:
| 720-739 (Jun-2010) |
Total credit lines:
| 17 |
Occupation: | Professional |
Now delinquent:
| 0 |
Revolving credit balance:
| $7,031 | Stated income: | $100,000+ |
Amount delinquent:
| $0 |
Bankcard utilization:
| 16% | | |
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| No | | |
Delinquencies in last 7y:
| 2 | | | | |
Screen name:
| entrepreneur1975 |
Borrower's state:
| California |
Borrower's group:
| Harvard University Alumni & Students |
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Description
Payoff medical and CC bills
Purpose of loan:
This loan will be used to pay off medical bills from an ACL reconstructive knee surgery I had at the beginning of the year and pay off a high interest rate credit card bill.
My financial situation:
I am a good candidate for this loan because I have a steady job (2+ years), just recently got a promotion, and have low monthly expenses.
Monthly net income: $ 6000
Monthly expenses: $2367.50
??Housing: $
712.50
??Insurance: $110
??Car expenses: $270
??Utilities: $50
??Phone, cable, internet: $175
??Food, entertainment: $500
??Clothing, household expenses $100
??Credit cards and other loans: $200
??Other expenses: $250
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
461508
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount:
| $10,000.00 |
Prosper Rating:
| C |
Auction Duration:
| 7 days
|
Term:
| 36 months |
Estimated loss:
| 8.0% | | |
| | |
|
Starting lender yield:
| 9.00% |
Starting borrower rate/APR:
| 10.00% / 12.11% |
Starting monthly payment:
| $322.67 |
|
Auction yield range:
| 7.98% - 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:
| Jan-1982 |
Debt/Income ratio:
| 37% |
Basic (1-10):
| 8 |
Inquiries last 6m:
| 0 | Employment status: | Full-time employee |
Enhanced (1-5): | 4 |
Current / open credit lines:
| 12
/
12 | Length of status: | 0y 3m |
Credit score:
| 720-739 (Jun-2010) |
Total credit lines:
| 41 |
Occupation: | Administrative Assi... |
Now delinquent:
| 0 |
Revolving credit balance:
| $48,225 | Stated income: | $50,000-$74,999 |
Amount delinquent:
| $0 |
Bankcard utilization:
| 73% | | |
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| No | | |
Delinquencies in last 7y:
| 0 | | | | |
Screen name:
| pound-mesh460 |
Borrower's state:
| California |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Description
Paying off credit cards
Purpose of loan:
This loan will be used to?I want to pay more than the minimum monthly payments on my cards to get out of debt faster.?
My financial situation:
I am a good candidate for this loan because?
I have a good credit score rating and never miss payments.? My "other" income is from maintenance & child support payments which are automatically deposited each Friday into my checking account from my ex-husband's current employer.? I also have a roommate who pays 1/2 of the cost of our rent & utilities. Following are my personal expenses.
Monthly net income: $
4500
Monthly expenses: $
??Housing: $
1200
??Insurance: $
130
??Car expenses: $ 500
??Utilities: $
35
??Phone, cable, internet: $
110
??Food, entertainment: $
400
??Clothing, household expenses $
200
??Credit cards and other loans: $
938
??Other expenses: $
200
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
461510
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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:
| 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:
| $102.06 |
|
Auction yield range:
| 3.98% - 8.20% |
Estimated loss impact:
| 2.12% | | |
Lender servicing fee:
| 1.00% |
Estimated return:
| 6.08% | | |
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper scores:
| |
First credit line:
| Mar-1994 |
Debt/Income ratio:
| Self-employed (DTI Not Calculated) |
Basic (1-10):
| 9 |
Inquiries last 6m:
| 1 | Employment status: | Self-employed |
Enhanced (1-5): | 4 |
Current / open credit lines:
| 10
/
7 | Length of status: | 1y 1m |
Credit score:
| 780-799 (Jun-2010) |
Total credit lines:
| 37 |
Occupation: | Investor |
Now delinquent:
| 0 |
Revolving credit balance:
| $3,253 | Stated income: | $25,000-$49,999 |
Amount delinquent:
| $0 |
Bankcard utilization:
| 10% | | |
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| Yes | | |
Delinquencies in last 7y:
| 0 | | | | |
Screen name:
| ciccio70 |
Borrower's state:
| California |
Borrower's group:
| Socorro Capital Partners |
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Description
Credit Card Payoff
Purpose of loan:
This loan will be used to payoff two credit cards.
My financial situation:
The balance on the credit cards is not very high and I can handle their payments without a Prosper loan. But, I much rather give my money to fellow prosper investor instead of the banksters. I am a prosper investor myself and I believe in people lending to people. I am a real estate investor and I am also starting a new business selling water purification and other products. My credit history is rock solid because I am a person that honors his commitments and I am very financially responsible.
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
461522
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount:
| $4,500.00 |
Prosper Rating:
| HR |
Auction Duration:
| 7 days
|
Term:
| 36 months |
Estimated loss:
| 34.5% | | |
| | |
|
Starting lender yield:
| 17.50% |
Starting borrower rate/APR:
| 18.50% / 20.72% |
Starting monthly payment:
| $163.82 |
|
Auction yield range:
| 16.98% - 17.50% |
Estimated loss impact:
| 35.47% | | |
Lender servicing fee:
| 1.00% |
Estimated return:
| -17.97% | | |
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper scores:
| |
First credit line:
| Jun-1995 |
Debt/Income ratio:
| 31% |
Basic (1-10):
| 1 |
Inquiries last 6m:
| 6 | Employment status: | Full-time employee |
Enhanced (1-5): | 1 |
Current / open credit lines:
| 13
/
9 |
Occupation: | Accountant/CPA |
Credit score:
| 660-679 (May-2010) |
Total credit lines:
| 40 | Stated income: | $50,000-$74,999 |
Now delinquent:
| 1 |
Revolving credit balance:
| $87,787 | |
Amount delinquent:
| $271 |
Bankcard utilization:
| 99% | | |
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| Yes | | |
Delinquencies in last 7y:
| 0 | | | | |
Screen name:
| diverse-platinum5 |
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
new start
Purpose of loan:
This loan will be used to? eliminate debt achieved after a divorce. i want to consolidate my debt and eliminate credit cards without filing bankruptcy and start off fresh after being married for 14 years.
My financial situation:
I am a good candidate for this loan because? i have a stable job where there are no layoffs, no takeovers, and great benefits. The University atmosphere provides stability and soundness. i plan on being here at UPITT until retirement in another 20 years. I am not paying rent. I live with my elderly parents and thus my bills are consist of car payment, some credit card bills, and other miniscule expenses. This loan eliminates rising credit card balances will allow me to be cash dependent not credit dependent. My only card interested in using an AMEX card which requires full payment each month.
Monthly net income: $ 3300.00
Monthly expenses: $
??Housing: $ 0
??Insurance: $ 90.00
??Car expenses: $ 390.00
??Utilities: $ 0
??Phone, cable, internet: $ 100.00
??Food, entertainment: $ 125.00
??Clothing, household expenses $ 125.00
??Credit cards and other loans: $375.00
??Other expenses: $ 0
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
461530
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount:
| $1,500.00 |
Prosper Rating:
| A |
Auction Duration:
| 7 days
|
Term:
| 36 months |
Estimated loss:
| 2.1% | | |
| | |
|
Starting lender yield:
| 8.33% |
Starting borrower rate/APR:
| 9.33% / 11.67% |
Starting monthly payment:
| $47.93 |
|
Auction yield range:
| 3.98% - 8.33% |
Estimated loss impact:
| 2.12% | | |
Lender servicing fee:
| 1.00% |
Estimated return:
| 6.21% | | |
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:
| Jul-2002 |
Debt/Income ratio:
| 23% |
Basic (1-10):
| 9 |
Inquiries last 6m:
| 2 | Employment status: | Full-time employee |
Enhanced (1-5): | 3 |
Current / open credit lines:
| 7
/
7 | Length of status: | 2y 2m |
Credit score:
| 700-719 (Jun-2010) |
Total credit lines:
| 14 |
Occupation: | Laborer |
Now delinquent:
| 0 |
Revolving credit balance:
| $2,682 | Stated income: | $25,000-$49,999 |
Amount delinquent:
| $0 |
Bankcard utilization:
| 13% | | |
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| No | | |
Delinquencies in last 7y:
| 0 | | | | |
Screen name:
| credit-encore2 |
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 sweet Home
Purpose of loan:
This loan will be used to? start fixing little things around the house?that my fiancee has.?
My financial situation:
I am a good candidate for this loan because? Im always ontime or even early on my payments. I work 2 jobs, that i enjoy working at everyday! I work for UPS in louisville ky. which is one of the largest hubs in the US and Lowes which is one of many that are very succussful. In both jobs I have room to grow and move up the chain.?In that case this means more money in my pocket!
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
461534
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount:
| $2,500.00 |
Prosper Rating:
| HR |
Auction Duration:
| 7 days
|
Term:
| 36 months |
Estimated loss:
| 18.0% | | |
| | |
|
Starting lender yield:
| 34.00% |
Starting borrower rate/APR:
| 35.00% / 37.45% |
Starting monthly payment:
| $113.09 |
|
Auction yield range:
| 16.98% - 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:
| 53% |
Basic (1-10):
| 5 |
Inquiries last 6m:
| 4 | Employment status: | Retired |
Enhanced (1-5): | 1 |
Current / open credit lines:
| 13
/
10 | Length of status: | 1y 11m |
Credit score:
| 640-659 (May-2010) |
Total credit lines:
| 44 | Stated income: | $25,000-$49,999 |
Now delinquent:
| 0 |
Revolving credit balance:
| $167,678 | |
Amount delinquent:
| $0 |
Bankcard utilization:
| 92% | | |
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| Yes | | |
Delinquencies in last 7y:
| 16 | | | | |
Screen name:
| listing-serrano |
Borrower's state:
| SouthCarolina |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Description
atuo repairs/furniture
Purpose of loan:
This loan will be used to? Auto repair/furniture
My financial situation:
I am a good candidate for this loan because? Bills are always paid when do. Deduct from my checking account.
Monthly net income: $ 3600
Monthly expenses: $
??Housing: $ 445
??Insurance: $ annual
??Car expenses: $?250
??Utilities: $ 40
??Phone, cable, internet: $ 120
??Food, entertainment: $ 220
??Clothing, household expenses $
??Credit cards and other loans: $ 450
??Other expenses: $ 230
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
461538
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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:
| 21.99% |
Starting borrower rate/APR:
| 22.99% / 25.27% |
Starting monthly payment:
| $580.57 |
|
Auction yield range:
| 10.98% - 21.99% |
Estimated loss impact:
| 10.53% | | |
Lender servicing fee:
| 1.00% |
Estimated return:
| 11.46% | | |
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper scores:
| |
First credit line:
| Oct-1997 |
Debt/Income ratio:
| 24% |
Basic (1-10):
| 7 |
Inquiries last 6m:
| 0 | Employment status: | Full-time employee |
Enhanced (1-5): | 3 |
Current / open credit lines:
| 20
/
20 | Length of status: | 9y 5m |
Credit score:
| 680-699 (Jun-2010) |
Total credit lines:
| 45 |
Occupation: | Executive |
Now delinquent:
| 0 |
Revolving credit balance:
| $36,995 | Stated income: | $100,000+ |
Amount delinquent:
| $0 |
Bankcard utilization:
| 90% | | |
Public records last 12m / 10y:
| 0/ 1 |
Homeownership:
| Yes | | |
Delinquencies in last 7y:
| 0 | | | | |
Screen name:
| bbeg |
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
Doing Away With Credit Cards
Purpose of loan:
This loan will be used to begin the first stage of paying off credit card debt accrued while my wife was out of work. She now has a job (44,000 annually not included in my stated income above) and we are the road to recovery. I have $31,000 in debt and this loan of $15,000 will reduce it to $16,000. By doing so, I will be able to set a fixed payment amount and expedite the payoff in 3 years versus a lifetime. I need to get my financial house in order as my kids will be starting college in 6 years. By reducing this debt, I will be able to chip away at the remaining balance much quicker and put my annual bonuses against it with a big lump sum. The credit cards paid off (ones with high interest rates) by this loan will be canceled so that I do not put myself in this position again.
My financial situation:
I am a good candidate for this loan because I am a high wage earner and have worked consistently with the same company for over 9 years.
Monthly net income: $ 6,380 (myself) + $3,000 (Wife)
Monthly expenses: $
??Housing: $
2,200
??Insurance: $
200
??Car expenses: $ 800
??Utilities: $
300
??Phone, cable, internet: $ 200
??Food, entertainment: $ 750
??Clothing, household expenses $ 300
??Credit cards and other loans: $
1000
??Other expenses: $
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
461546
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount:
| $2,600.00 |
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:
| $105.10 |
|
Auction yield range:
| 10.98% - 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-1992 |
Debt/Income ratio:
| 12% |
Basic (1-10):
| 7 |
Inquiries last 6m:
| 0 | Employment status: | Full-time employee |
Enhanced (1-5): | 5 |
Current / open credit lines:
| 3
/
3 | Length of status: | 7y 9m |
Credit score:
| 640-659 (Jun-2010) |
Total credit lines:
| 6 |
Occupation: | Other |
Now delinquent:
| 0 |
Revolving credit balance:
| $8,951 | Stated income: | $25,000-$49,999 |
Amount delinquent:
| $0 |
Bankcard utilization:
| 99% | | |
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| No | | |
Delinquencies in last 7y:
| 0 | | | | |
Screen name:
| trade-aficionado |
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
Buy jet ski
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
461548
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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:
| 25.38% |
Starting borrower rate/APR:
| 26.38% / 28.71% |
Starting monthly payment:
| $89.09 |
|
Auction yield range:
| 10.98% - 25.38% |
Estimated loss impact:
| 10.63% | | |
Lender servicing fee:
| 1.00% |
Estimated return:
| 14.75% | | |
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:
| Aug-2002 |
Debt/Income ratio:
| 24% |
Basic (1-10):
| 7 |
Inquiries last 6m:
| 3 | Employment status: | Full-time employee |
Enhanced (1-5): | 3 |
Current / open credit lines:
| 12
/
11 | Length of status: | 3y 10m |
Credit score:
| 680-699 (Jun-2010) |
Total credit lines:
| 21 |
Occupation: | Analyst |
Now delinquent:
| 0 |
Revolving credit balance:
| $9,573 | Stated income: | $50,000-$74,999 |
Amount delinquent:
| $0 |
Bankcard utilization:
| 80% | | |
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| Yes | | |
Delinquencies in last 7y:
| 0 | | | | |
Screen name:
| cordial-payment2 |
Borrower's state:
| Connecticut |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Description
Engagement
Purpose of loan:
This loan will be to finish?purchasing an engagement ring for my girlfriend of 5 years. I have paid for most of the ring but would like to fully pay for the ring as soon as possible to give it to my girlfriend. She is getting surgery in three weeks and I would like to propose to her before that surgery since she will be unable to move around for a while. Thank you for taking the time to look at this request.
My financial situation:
I am a good candidate for this loan because I have never made a late payment on a credit card. I am a homeowner and feel I am financially reposinsible person. Although it says my revolving credit balance is $9,573.00, $6,700.00 of that debt has been paid off and will be reflected on my credit report on June 15th as Citibank has stated to me that they only report to credit bureau's once a month.
Thank you,
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
461550
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount:
| $9,900.00 |
Prosper Rating:
| AA |
Auction Duration:
| 7 days
|
Term:
| 36 months |
Estimated loss:
| 1.5% | | |
| | |
|
Starting lender yield:
| 8.43% |
Starting borrower rate/APR:
| 9.43% / 9.77% |
Starting monthly payment:
| $316.80 |
|
Auction yield range:
| 2.98% - 8.43% |
Estimated loss impact:
| 1.50% | | |
Lender servicing fee:
| 1.00% |
Estimated return:
| 6.93% | | |
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments 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-1976 |
Debt/Income ratio:
| 53% |
Basic (1-10):
| 7 |
Inquiries last 6m:
| 0 | Employment status: | Retired |
Enhanced (1-5): | 4 |
Current / open credit lines:
| 8
/
7 | Length of status: | 8y 4m |
Credit score:
| 820-839 (Jun-2010) |
Total credit lines:
| 37 | Stated income: | $25,000-$49,999 |
Now delinquent:
| 0 |
Revolving credit balance:
| $396 | |
Amount delinquent:
| $0 |
Bankcard utilization:
| 2% | | |
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| No | | |
Delinquencies in last 7y:
| 0 | | | | |
Screen name:
| kind-triumphant-worth |
Borrower's state:
| NewHampshire |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from 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 lawyer to get fiancee here
Purpose of loan:
This loan will be used to get my fiancee here from the Philippines. Lawyers fees, etc.
My financial situation:
I am a good candidate for this loan because I have always honored my loan agreements. I have NEVER had a?delinquent account or been late paying. I have a good steady income...?I am just temporarily strapped for cash.
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
461552
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount:
| $1,400.00 |
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% / 37.93% |
Starting monthly payment:
| $63.33 |
|
Auction yield range:
| 16.98% - 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:
| Nov-1998 |
Debt/Income ratio:
| 16% |
Basic (1-10):
| 5 |
Inquiries last 6m:
| 2 | Employment status: | Full-time employee |
Enhanced (1-5): | 3 |
Current / open credit lines:
| 9
/
8 | Length of status: | 21y 8m |
Credit score:
| 620-639 (Jun-2010) |
Total credit lines:
| 37 |
Occupation: | Postal Service |
Now delinquent:
| 0 |
Revolving credit balance:
| $1,654 | Stated income: | $50,000-$74,999 |
Amount delinquent:
| $0 |
Bankcard utilization:
| 88% | | |
Public records last 12m / 10y:
| 0/ 1 |
Homeownership:
| No | | |
Delinquencies in last 7y:
| 4 | | | | |
Screen name:
| jagordon2 |
Borrower's state:
| Oregon |
Borrower's group:
| Have Money - Will Bid |
Credit and homeownership information was obtained 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:
| 11 ( 42% )
| 620-639 (Latest)
|
Principal borrowed:
| $3,000.00 | < 31 days late:
| 15
( 58% )
| 540-559
(Jun-2007)
|
Principal balance:
| $0.84 |
31+ days late:
| 0
( 0% )
|
Total payments billed:
| 26 | | |
Description
Catching Up
Purpose of loan:
This loan will be used to consolidate and pay off 3 short-term "payday" loans that I had to take out to cover emergency family medical expenses.
My financial situation:
I am a good candidate for this loan because I have already successfully paid off one prosper loan, and have improved my credit score since that time. I also have a 22 year employment history at a very secure job.
Monthly net income: $ 2600
Monthly expenses: $
??Housing: $
585
??Insurance: $
128
??Car expenses: $
388
??Utilities: $
70
??Phone, cable, internet: $
60
??Food, entertainment: $
250
??Clothing, household expenses $
100
??Credit cards and other loans: $
200
??Other expenses: $
100
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
461556
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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:
| A |
Auction Duration:
| 7 days
|
Term:
| 36 months |
Estimated loss:
| 2.1% | | |
| | |
|
Starting lender yield:
| 12.85% |
Starting borrower rate/APR:
| 13.85% / 16.01% |
Starting monthly payment:
| $255.79 |
|
Auction yield range:
| 3.98% - 12.85% |
Estimated loss impact:
| 2.15% | | |
Lender servicing fee:
| 1.00% |
Estimated return:
| 10.70% | | |
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:
| Oct-1999 |
Debt/Income ratio:
| 23% |
Basic (1-10):
| 8 |
Inquiries last 6m:
| 2 | Employment status: | Full-time employee |
Enhanced (1-5): | 3 |
Current / open credit lines:
| 10
/
7 | Length of status: | 4y 1m |
Credit score:
| 780-799 (Jun-2010) |
Total credit lines:
| 17 |
Occupation: | Food Service |
Now delinquent:
| 0 |
Revolving credit balance:
| $4,227 | Stated income: | $50,000-$74,999 |
Amount delinquent:
| $0 |
Bankcard utilization:
| 9% | | |
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| Yes | | |
Delinquencies in last 7y:
| 0 | | | | |
Screen name:
| power-radio |
Borrower's state:
| Texas |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Description
Debt Consolidation
Purpose of loan:
To pay off higher percentage credit cards.
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
461560
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount:
| $15,000.00 |
Prosper Rating:
| AA |
Auction Duration:
| 7 days
|
Term:
| 36 months |
Estimated loss:
| 1.5% | | |
| | |
|
Starting lender yield:
| 9.43% |
Starting borrower rate/APR:
| 10.43% / 10.78% |
Starting monthly payment:
| $487.04 |
|
Auction yield range:
| 2.98% - 9.43% |
Estimated loss impact:
| 1.51% | | |
Lender servicing fee:
| 1.00% |
Estimated return:
| 7.92% | | |
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:
| Dec-1994 |
Debt/Income ratio:
| 23% |
Basic (1-10):
| 7 |
Inquiries last 6m:
| 1 | Employment status: | Full-time employee |
Enhanced (1-5): | 4 |
Current / open credit lines:
| 14
/
12 | Length of status: | 6y 3m |
Credit score:
| 800-819 (Jun-2010) |
Total credit lines:
| 52 |
Occupation: | Other |
Now delinquent:
| 0 |
Revolving credit balance:
| $433 | Stated income: | $100,000+ |
Amount delinquent:
| $0 |
Bankcard utilization:
| 1% | | |
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| Yes | | |
Delinquencies in last 7y:
| 0 | | | | |
Screen name:
| NoVALending |
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:
| 5 ( 100% )
| 800-819 (Latest)
|
Principal borrowed:
| $5,000.00 | < 31 days late:
| 0
( 0% )
| 820-839
(Sep-2009)
|
Principal balance:
| $0.00 |
31+ days late:
| 0
( 0% )
|
Total payments billed:
| 5 | | |
Description
Buying instead of Renting
Purpose of Loan:
This loan will be used to provide a down payment on a house and also pay off
a couple bills.? I am looking to buy a $300,000 house using my VA benefits.
With VA benefits, I don't have to make a down payment, however they do
require a 3% loan origination fee, which in this case would be around
$9,000.? The rest of the money would be used to pay off my car and a credit
card.? I am currently renting an apartment that's close to work, but the
rent is going up to $2000 a month.? I figure if I'm going to be paying that
much, I would rather be paying it on a house that I live in and not giving
it to an apartment company.
My financial situation:
I am a good candidate for this loan because I have excellent credit and
plenty of collateral.? I have two additional properties that are currently
being rented, with the income from both recouping %100 of their mortgage
costs.? While I have collateral, I lack the liquid cash to provide for a
loan origination fee.? Also, the combined payment for the car and credit
card that I will be paying off will equal the payment for this loan, so I
will have no problem paying it.? I had a previous loan on Prosper that was
paid off quickly.? I plan to keep this loan for most of the 36-month payoff
period.
Thank you for your consideration.
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
461562
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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:
| 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:
| $224.20 |
|
Auction yield range:
| 13.98% - 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:
| Oct-2005 |
Debt/Income ratio:
| 23% |
Basic (1-10):
| 6 |
Inquiries last 6m:
| 0 | Employment status: | Full-time employee |
Enhanced (1-5): | 5 |
Current / open credit lines:
| 3
/
3 | Length of status: | 4y 10m |
Credit score:
| 680-699 (May-2010) |
Total credit lines:
| 6 |
Occupation: | Nurse (RN) |
Now delinquent:
| 0 |
Revolving credit balance:
| $1,249 | Stated income: | $50,000-$74,999 |
Amount delinquent:
| $0 |
Bankcard utilization:
| 0% | | |
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| No | | |
Delinquencies in last 7y:
| 0 | | | | |
Screen name:
| thrilling-loan6 |
Borrower's state:
| Maryland |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Description
paying off my credit cards
Purpose of loan:
This loan will be used to consolidate debt.
My financial situation:
I am a good candidate for this loan because?
I have excellent credit and never pay late.I have never had a late payment ever.
Monthly net income: $
5,000
Monthly expenses: $
??Housing: $?400
??Insurance: $ 100
??Car expenses: $?1049
??Utilities: $
??Phone, cable, internet: $ 100
??Food, entertainment: $ 200
??Clothing, household expenses $ 300
??Credit cards and other loans: $
??Other expenses: $
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
461564
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount:
| $1,700.00 |
Prosper Rating:
| C |
Auction Duration:
| 7 days
|
Term:
| 36 months |
Estimated loss:
| 6.5% | | |
| | |
|
Starting lender yield:
| 19.06% |
Starting borrower rate/APR:
| 20.06% / 22.30% |
Starting monthly payment:
| $63.23 |
|
Auction yield range:
| 7.98% - 19.06% |
Estimated loss impact:
| 6.94% | | |
Lender servicing fee:
| 1.00% |
Estimated return:
| 12.12% | | |
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper scores:
| |
First credit line:
| Dec-2002 |
Debt/Income ratio:
| 25% |
Basic (1-10):
| 9 |
Inquiries last 6m:
| 1 | Employment status: | Full-time employee |
Enhanced (1-5): | 3 |
Current / open credit lines:
| 9
/
7 | Length of status: | 2y 4m |
Credit score:
| 680-699 (Jun-2010) |
Total credit lines:
| 25 |
Occupation: | Accountant/CPA |
Now delinquent:
| 0 |
Revolving credit balance:
| $3,617 | 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:
| 2 | | | | |
Screen name:
| transparency-wahoo3 |
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
Auto Repairs for Pregnant Wife
Purpose of loan:
This loan will be used to to help repair the air compressor in my pregnant wife lincoln.
My financial situation:
I am a good candidate for this loan because I am faithful of paying back my creditors on time.
Monthly net income: $ $3061.00
Monthly expenses: $
??Housing: $
??Insurance: $
??Car expenses: $ 307.59
??Utilities: $?180.00
??Phone, cable, internet: $ 160.00
??Food, entertainment: $ 150.00
??Clothing, household expenses $ 150.00
??Credit cards and other loans: $ 320.00
??Other expenses: $
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
461568
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount:
| $3,000.00 |
Prosper Rating:
| A |
Auction Duration:
| 7 days
|
Term:
| 36 months |
Estimated loss:
| 2.1% | | |
| | |
|
Starting lender yield:
| 8.33% |
Starting borrower rate/APR:
| 9.33% / 11.43% |
Starting monthly payment:
| $95.86 |
|
Auction yield range:
| 3.98% - 8.33% |
Estimated loss impact:
| 2.12% | | |
Lender servicing fee:
| 1.00% |
Estimated return:
| 6.21% | | |
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:
| Mar-2005 |
Debt/Income ratio:
| 77% |
Basic (1-10):
| 9 |
Inquiries last 6m:
| 0 | Employment status: | Not employed |
Enhanced (1-5): | 4 |
Current / open credit lines:
| 6
/
6 | Length of status: | 3y 10m |
Credit score:
| 700-719 (May-2010) |
Total credit lines:
| 11 | Stated income: | Not employed |
Now delinquent:
| 0 |
Revolving credit balance:
| $4,027 | |
Amount delinquent:
| $0 |
Bankcard utilization:
| 34% | | |
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| No | | |
Delinquencies in last 7y:
| 0 | | | | |
Screen name:
| neobailey |
Borrower's state:
| Colorado |
Borrower's group:
| Lend2's Group |
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan history | Payment history | Credit score history |
Active / total loans:
| 0 / 1 |
On-time:
| 35 ( 100% )
| 700-719 (Latest)
|
Principal borrowed:
| $2,000.00 | < 31 days late:
| 0
( 0% )
| 620-639
(Mar-2007)
|
Principal balance:
| $0.02 |
31+ days late:
| 0
( 0% )
|
Total payments billed:
| 35 | | |
Description
Buying a used car
Purpose of loan:
This loan will be used to?
To buy a used car. I bought a good used car because of Prosper and I would like to do that again. My current used car is a 1987 Honda Accord. The pistons in the car is wearing out and causing my engine to smoke oil. It will cost me about $1200.00 ( that includes parts and labor and a discount from a friend) to have the engine taken apart and new pistons placed in. My car is old and spinding that kind of money on a old car does not make financial sense to me.
My financial situation:
I am a good candidate for this loan because? my credit score is very good. I paid back my last Prosper loan on time and in full. I did not default on my loan.
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
461570
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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:
| 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:
| $180.94 |
|
Auction yield range:
| 13.98% - 34.00% |
Estimated loss impact:
| 16.27% | | |
Lender servicing fee:
| 1.00% |
Estimated return:
| 17.73% | | |
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper scores:
| |
First credit line:
| Jul-2003 |
Debt/Income ratio:
| 50% |
Basic (1-10):
| 6 |
Inquiries last 6m:
| 1 | Employment status: | Full-time employee |
Enhanced (1-5): | 2 |
Current / open credit lines:
| 12
/
12 | Length of status: | 3y 10m |
Credit score:
| 600-619 (Jun-2010) |
Total credit lines:
| 20 |
Occupation: | Laborer |
Now delinquent:
| 0 |
Revolving credit balance:
| $22,748 | 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:
| GonnaBeDaddy |
Borrower's state:
| Ohio |
Borrower's group:
| Thousand Dollar Group |
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan history | Payment history | Credit score history |
Active / total loans:
| 0 / 1 |
On-time:
| 20 ( 100% )
| 600-619 (Latest)
|
Principal borrowed:
| $4,950.00 | < 31 days late:
| 0
( 0% )
| 620-639
(Aug-2009)
580-599
(Apr-2008)
520-539
(Nov-2007)
640-659
(May-2007)
|
Principal balance:
| $0.00 |
31+ days late:
| 0
( 0% )
|
Total payments billed:
| 20 | | |
Description
2nd Prosper Loan land purchase
Purpose of loan:
This loan will be used to pay the remainder balance due in July on my land purchase.
My financial situation:
I am a good candidate for this loan because 0 delinquencies 0 lates paid off previous loan early. Never late on anything and my actual credit score is 681?
Monthly net income: $ 2700
Monthly expenses: $
??Housing: $ 285????
??Insurance: $ 50????
??Car expenses: $?365
??Utilities: $ 0????
??Phone, cable, internet: $0
??Food, entertainment: $ 150
??Clothing, household expenses $0
??Credit cards and other loans: $ 250
??Other expenses: $ 1000
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
461574
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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:
| 14.7% | | |
| | |
|
Starting lender yield:
| 34.00% |
Starting borrower rate/APR:
| 35.00% / 39.15% |
Starting monthly payment:
| $45.24 |
|
Auction yield range:
| 13.98% - 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:
| Jun-1995 |
Debt/Income ratio:
| 41% |
Basic (1-10):
| 10 |
Inquiries last 6m:
| 0 | Employment status: | Full-time employee |
Enhanced (1-5): | 3 |
Current / open credit lines:
| 20
/
15 | Length of status: | 2y 10m |
Credit score:
| 620-639 (Jun-2010) |
Total credit lines:
| 46 |
Occupation: | Teacher |
Now delinquent:
| 0 |
Revolving credit balance:
| $12,401 | Stated income: | $25,000-$49,999 |
Amount delinquent:
| $0 |
Bankcard utilization:
| 53% | | |
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| No | | |
Delinquencies in last 7y:
| 0 | | | | |
Screen name:
| rrprettygirl |
Borrower's state:
| Tennessee |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan history | Payment history | Credit score history |
Active / total loans:
| 1 / 1 |
On-time:
| 25 ( 100% )
| 620-639 (Latest)
|
Principal borrowed:
| $2,000.00 | < 31 days late:
| 0
( 0% )
| 600-619
(Apr-2008)
|
Principal balance:
| $703.89 |
31+ days late:
| 0
( 0% )
|
Total payments billed:
| 25 | | |
Description
Summer Maintainence
Purpose of loan:
This loan will be used for summer activities. I am a teacher, and I can't work this summer because of my son. This will help pay for food, gas, etc.
My financial situation:
I am a good candidate for this loan because I have shown with my past history that I will pay!
Monthly net income: $ 2000
Monthly expenses: $
??Housing: $ 0
??Insurance: $ 100
??Car expenses: $ 500
??Utilities: $ 0
??Phone, cable, internet: $ 100
??Food, entertainment: $ 200
??Clothing, household expenses $ 200
??Credit cards and other loans: $ 500
??Other expenses: $ 0
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
461576
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount:
| $7,000.00 |
Prosper Rating:
| HR |
Auction Duration:
| 7 days
|
Term:
| 36 months |
Estimated loss:
| 18.0% | | |
| | |
|
Starting lender yield:
| 34.00% |
Starting borrower rate/APR:
| 36.00% / 38.47% |
Starting monthly payment:
| $320.63 |
|
Auction yield range:
| 16.98% - 34.00% |
Estimated loss impact:
| 20.01% | | |
Lender servicing fee:
| 1.00% |
Estimated return:
| 13.99% | | |
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper scores:
| |
First credit line:
| Oct-2002 |
Debt/Income ratio:
| 29% |
Basic (1-10):
| 4 |
Inquiries last 6m:
| 1 | Employment status: | Full-time employee |
Enhanced (1-5): | 3 |
Current / open credit lines:
| 6
/
6 | Length of status: | 1y 3m |
Credit score:
| 640-659 (Jun-2010) |
Total credit lines:
| 26 |
Occupation: | Analyst |
Now delinquent:
| 0 |
Revolving credit balance:
| $5,699 | Stated income: | $25,000-$49,999 |
Amount delinquent:
| $0 |
Bankcard utilization:
| 97% | | |
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| No | | |
Delinquencies in last 7y:
| 4 | | | | |
Screen name:
| joliefille12 |
Borrower's state:
| California |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Description
Paying off my credit cards
Purpose of loan:
This loan will be used to consolidate my debt (credit cards & doctor bills) so that I am able to assist with my sons college tuition. I had surgery in 2009. My co-pay was 20%. I paid off the doctors but now I owe the hospital, currently making payments.I am also a single mother and I support my son for all costs as he attends community college and soon to a university. He plays football so he does not have a job at the moment.
My financial situation:
I am a good candidate for this loan because, I have a full-time job and I pay my bills on time every month.
Monthly net income: $
1940
Monthly expenses: $
??Housing: $
900
??Insurance: $
400 - Includes my own personal car insurance & my son and daughters.
??Car expenses: $
640 - Includes $421.71 my car & my sons $217.08
??Utilities: $
250
??Phone, cable, internet: $
100
??Food, entertainment: $
200
??Clothing, household expenses $
100
??Credit cards and other loans: $
600
??Other expenses: $
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
461578
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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:
| 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:
| $291.25 |
|
Auction yield range:
| 3.98% - 9.20% |
Estimated loss impact:
| 2.12% | | |
Lender servicing fee:
| 1.00% |
Estimated return:
| 7.08% | | |
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper scores:
| |
First credit line:
| Oct-2002 |
Debt/Income ratio:
| 23% |
Basic (1-10):
| 8 |
Inquiries last 6m:
| 0 | Employment status: | Full-time employee |
Enhanced (1-5): | 5 |
Current / open credit lines:
| 9
/
8 | Length of status: | 1y 4m |
Credit score:
| 760-779 (Jun-2010) |
Total credit lines:
| 27 |
Occupation: | Accountant/CPA |
Now delinquent:
| 0 |
Revolving credit balance:
| $5,763 | Stated income: | $75,000-$99,999 |
Amount delinquent:
| $0 |
Bankcard utilization:
| 52% | | |
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| Yes | | |
Delinquencies in last 7y:
| 4 | | | | |
Screen name:
| plasma552 |
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
Responsible - need better interest
Purpose of loan:
This loan will be used to consolidate my credit cards, cut them up and pay one solid monthly bill.
My financial situation:
I am a good candidate for this loan because I am responsible and educated. I unfortunately have this debt over my head and I just want to get a grasp on it.
Monthly income: $
6500
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
461590
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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:
| 16.98% - 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-2001 |
Debt/Income ratio:
| 27% |
Basic (1-10):
| 4 |
Inquiries last 6m:
| 1 | Employment status: | Full-time employee |
Enhanced (1-5): | 3 |
Current / open credit lines:
| 7
/
4 | Length of status: | 3y 1m |
Credit score:
| 680-699 (Jun-2010) |
Total credit lines:
| 15 |
Occupation: | Other |
Now delinquent:
| 0 |
Revolving credit balance:
| $2,403 | Stated income: | $25,000-$49,999 |
Amount delinquent:
| $0 |
Bankcard utilization:
| 98% | | |
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| No | | |
Delinquencies in last 7y:
| 0 | | | | |
Screen name:
| oannaj |
Borrower's state:
| California |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Description
Paying off Taxes
Purpose of loan:
Pay off the last of my taxes owed.
My financial situation:
I am a very responsible person and will make sure payments are on time or early.
Monthly net income: $2200.00
Monthly expenses: $
??Housing: $0
??Insurance: $0
Paid off for the year
??Car expenses: $0- paid off
??Utilities: $0- Live with parents
??Phone, cable, internet: $100.00
??Food, entertainment: $200.00
??Clothing, household expenses? try not to spend more than $100.00
??Credit cards and other loans: $200
??Other expenses: $700.00
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
461594
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount:
| $5,000.00 |
Prosper Rating:
| HR |
Auction Duration:
| 7 days
|
Term:
| 36 months |
Estimated loss:
| 34.5% | | |
| | |
|
Starting lender yield:
| 16.98% |
Starting borrower rate/APR:
| 17.98% / 20.19% |
Starting monthly payment:
| $180.71 |
|
Auction yield range:
| 16.98% - 16.98% |
Estimated loss impact:
| 35.44% | | |
Lender servicing fee:
| 1.00% |
Estimated return:
| -18.46% | | |
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper scores:
| |
First credit line:
| Dec-2003 |
Debt/Income ratio:
| 22% |
Basic (1-10):
| 1 |
Inquiries last 6m:
| 9 | Employment status: | Full-time employee |
Enhanced (1-5): | 2 |
Current / open credit lines:
| 11
/
11 | Length of status: | 7y 9m |
Credit score:
| 660-679 (Jun-2010) |
Total credit lines:
| 23 |
Occupation: | Other |
Now delinquent:
| 0 |
Revolving credit balance:
| $11,928 | Stated income: | $50,000-$74,999 |
Amount delinquent:
| $0 |
Bankcard utilization:
| 83% | | |
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| Yes | | |
Delinquencies in last 7y:
| 0 | | | | |
Screen name:
| bold-cash-gargantuan |
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
FIX PLUMBING IN HOME
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
461610
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount:
| $1,300.00 |
Prosper Rating:
| A |
Auction Duration:
| 7 days
|
Term:
| 36 months |
Estimated loss:
| 2.1% | | |
| | |
|
Starting lender yield:
| 8.33% |
Starting borrower rate/APR:
| 9.33% / 12.04% |
Starting monthly payment:
| $41.54 |
|
Auction yield range:
| 3.98% - 8.33% |
Estimated loss impact:
| 2.12% | | |
Lender servicing fee:
| 1.00% |
Estimated return:
| 6.21% | | |
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:
| May-2006 |
Debt/Income ratio:
| 22% |
Basic (1-10):
| 9 |
Inquiries last 6m:
| 4 | Employment status: | Full-time employee |
Enhanced (1-5): | 2 |
Current / open credit lines:
| 14
/
11 | Length of status: | 2y 1m |
Credit score:
| 700-719 (May-2010) |
Total credit lines:
| 35 |
Occupation: | Accountant/CPA |
Now delinquent:
| 0 |
Revolving credit balance:
| $1,897 | Stated income: | $25,000-$49,999 |
Amount delinquent:
| $0 |
Bankcard utilization:
| 29% | | |
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| No | | |
Delinquencies in last 7y:
| 0 | | | | |
Screen name:
| BOYFROMVEGAS |
Borrower's state:
| Nevada |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan history | Payment history | Credit score history |
Active / total loans:
| 0 / 1 |
On-time:
| 4 ( 100% )
| 700-719 (Latest)
|
Principal borrowed:
| $1,000.00 | < 31 days late:
| 0
( 0% )
| 680-699
(Jan-2010)
680-699
(Dec-2009)
|
Principal balance:
| $0.00 |
31+ days late:
| 0
( 0% )
|
Total payments billed:
| 4 | | |
Description
Vacation with my parents.
Purpose of loan:
First I want to thank very much all of those who trust me and invested, it was my pleasure to do business with you! My parents will came to visit me from Europe and I want to show them some places on this summer vacation. I did not see them since three years ago, and I want to have good memories and enjoy them.This loan will be used to pay for this vacation.
My financial situation:
I am a good candidate for this loan because I have good credit history and my first loan proves I am a good investment. I can repay on time without a problem this loan. I am a very low risky investment so please bid without worries. I will respect and honor my contracts and promises.
Monthly net income: $? 2000.00
Monthly expenses: $ 1,367.00
??Housing: $ 400.00
??Insurance: $ 116.00
??Car expenses: $ 251.00?
??Utilities: $ 0.00
??Phone, cable, internet: $ 50.00
??Food, entertainment: $ 125.00
??Clothing, household expenses $ 0.00
??Credit cards and other loans: $ 350.00?
??Other expenses: $ 75.00
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
461640
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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:
| 25.38% |
Starting borrower rate/APR:
| 26.38% / 28.97% |
Starting monthly payment:
| $60.74 |
|
Auction yield range:
| 10.98% - 25.38% |
Estimated loss impact:
| 10.63% | | |
Lender servicing fee:
| 1.00% |
Estimated return:
| 14.75% | | |
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-1977 |
Debt/Income ratio:
| 63% |
Basic (1-10):
| 8 |
Inquiries last 6m:
| 2 | Employment status: | Full-time employee |
Enhanced (1-5): | 2 |
Current / open credit lines:
| 26
/
25 | Length of status: | 33y 9m |
Credit score:
| 640-659 (Jun-2010) |
Total credit lines:
| 44 |
Occupation: | Other |
Now delinquent:
| 0 |
Revolving credit balance:
| $15,794 | Stated income: | $25,000-$49,999 |
Amount delinquent:
| $0 |
Bankcard utilization:
| 82% | | |
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| No | | |
Delinquencies in last 7y:
| 0 | | | | |
Screen name:
| blaclkbutter |
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:
| 22 ( 92% )
| 640-659 (Latest)
|
Principal borrowed:
| $3,500.00 | < 31 days late:
| 2
( 8% )
| 600-619
(Jan-2010)
640-659
(Oct-2009)
640-659
(Sep-2009)
640-659
(Aug-2009)
|
Principal balance:
| $1,514.00 |
31+ days late:
| 0
( 0% )
|
Total payments billed:
| 24 | | |
Description
God is blessing me to finish colleg
Monthly net income: $ 2,000
Monthly expenses: $
??Housing: $ 00
??Insurance: $ 300.00
??Car expenses: $ 500.00
??Utilities: $ 200.00
??Phone, cable, internet: $ 150.00
??Food, entertainment: $ 400.00
??Clothing, household expenses $ 200.000
??Other expenses: $ 200.00
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
461652
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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:
| 33.28% |
Starting borrower rate/APR:
| 34.28% / 36.72% |
Starting monthly payment:
| $134.49 |
|
Auction yield range:
| 13.98% - 33.28% |
Estimated loss impact:
| 15.53% | | |
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-2000 |
Debt/Income ratio:
| Self-employed (DTI Not Calculated) |
Basic (1-10):
| 6 |
Inquiries last 6m:
| 2 | Employment status: | Self-employed |
Enhanced (1-5): | 3 |
Current / open credit lines:
| 4
/
3 | Length of status: | 2y 9m |
Credit score:
| 680-699 (May-2010) |
Total credit lines:
| 12 |
Occupation: | Professional |
Now delinquent:
| 0 |
Revolving credit balance:
| $1,258 | Stated income: | $50,000-$74,999 |
Amount delinquent:
| $0 |
Bankcard utilization:
| 27% | | |
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| No | | |
Delinquencies in last 7y:
| 0 | | | | |
Screen name:
| capital-solo0 |
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
Getting new office computers
Purpose of loan: We are buying 6 new office computers and a new server to update out system.
My financial situation:
I am a good candidate for this loan because I have a good credit score, no late payments, no delinquent accounts, a good bankcard utilization, and am a great borrower.?
Monthly net income: $ 3700
Monthly expenses: $
??Housing: $
1200
??Insurance: $
100
??Car expenses: $
100
??Utilities: $
120
??Phone, cable, internet: $
50
??Food, entertainment: $
??Clothing, household expenses $
??Credit cards and other loans: $
??Other expenses: $
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
461664
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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:
| 13.98% - 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:
| Mar-2000 |
Debt/Income ratio:
| 27% |
Basic (1-10):
| 6 |
Inquiries last 6m:
| 1 | Employment status: | Full-time employee |
Enhanced (1-5): | 5 |
Current / open credit lines:
| 18
/
18 | Length of status: | 3y 1m |
Credit score:
| 660-679 (Jun-2010) |
Total credit lines:
| 37 |
Occupation: | Nurse (RN) |
Now delinquent:
| 0 |
Revolving credit balance:
| $9,124 | Stated income: | $50,000-$74,999 |
Amount delinquent:
| $0 |
Bankcard utilization:
| 33% | | |
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| Yes | | |
Delinquencies in last 7y:
| 1 | | | | |
Screen name:
| blue-affluence-acrobat |
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 credit cards,home repairs
Purpose of loan:
This loan will be used to? pay off higher interest credit cards and for home improvements????
My financial situation:
I am a good candidate for this loan because? i have a consistent full time job and would love to get my debt paid down!
Monthly net income: $ 3250.00
Monthly expenses: $
??Housing: $ 1200.00
??Insurance: $ 90.00
??Car expenses: $ 400.00
??Utilities: $ 100.00
??Phone, cable, internet: $ 100.00
??Food, entertainment: $ 500.00
??Clothing, household expenses $ 100.00
??Credit cards and other loans: $?600.00
??Other expenses: $
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
461670
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount:
| $25,000.00 |
Prosper Rating:
| HR |
Auction Duration:
| 7 days
|
Term:
| 36 months |
Estimated loss:
| 34.5% | | |
| | |
|
Starting lender yield:
| 34.00% |
Starting borrower rate/APR:
| 35.00% / 37.45% |
Starting monthly payment:
| $1,130.90 |
|
Auction yield range:
| 16.98% - 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:
| Apr-1976 |
Debt/Income ratio:
| 17% |
Basic (1-10):
| 1 |
Inquiries last 6m:
| 8 | Employment status: | Full-time employee |
Enhanced (1-5): | 4 |
Current / open credit lines:
| 23
/
21 | Length of status: | 20y 5m |
Credit score:
| 800-819 (Jun-2010) |
Total credit lines:
| 42 |
Occupation: | Sales - Commission |
Now delinquent:
| 0 |
Revolving credit balance:
| $11,245 | Stated income: | $100,000+ |
Amount delinquent:
| $0 |
Bankcard utilization:
| 28% | | |
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| Yes | | |
Delinquencies in last 7y:
| 0 | | | | |
Screen name:
| fund-socrates |
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
Taxman
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
461676
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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:
| 16.98% - 34.00% |
Estimated loss impact:
| 20.01% | | |
Lender servicing fee:
| 1.00% |
Estimated return:
| 13.99% | | |
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper scores:
| |
First credit line:
| Aug-1998 |
Debt/Income ratio:
| 4% |
Basic (1-10):
| 4 |
Inquiries last 6m:
| 2 | Employment status: | Full-time employee |
Enhanced (1-5): | 4 |
Current / open credit lines:
| 4
/
4 | Length of status: | 28y 0m |
Credit score:
| 700-719 (May-2010) |
Total credit lines:
| 38 |
Occupation: | Executive |
Now delinquent:
| 0 |
Revolving credit balance:
| $4,124 | Stated income: | $100,000+ |
Amount delinquent:
| $0 |
Bankcard utilization:
| 99% | | |
Public records last 12m / 10y:
| 0/ 1 |
Homeownership:
| No | | |
Delinquencies in last 7y:
| 21 | | | | |
Screen name:
| interest-burrito3 |
Borrower's state:
| NewYork |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Description
Consolidating debt
Purpose of loan:
This loan will be used to pay my divorce attorney and one and only credit card that I have.
My financial situation:
I am a good candidate for this loan because I am a professional making over 100,000 dollars per year with minimal expenses.
Monthly net income: $ $6500
Monthly expenses: $
??Housing: $ 1500
??Insurance: $ 200
??Car expenses: $ 200
??Utilities: $ 200
??Phone, cable, internet: $100
??Food, entertainment: $ 100
??Clothing, household expenses $ 0
??Credit cards and other loans: $ 100
??Other expenses: $ 0
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
461682
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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:
| 31.00% |
Starting borrower rate/APR:
| 32.00% / 34.41% |
Starting monthly payment:
| $130.66 |
|
Auction yield range:
| 10.98% - 31.00% |
Estimated loss impact:
| 10.78% | | |
Lender servicing fee:
| 1.00% |
Estimated return:
| 20.22% | | |
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper scores:
| |
First credit line:
| Oct-1995 |
Debt/Income ratio:
| 25% |
Basic (1-10):
| 7 |
Inquiries last 6m:
| 0 | Employment status: | Full-time employee |
Enhanced (1-5): | 2 |
Current / open credit lines:
| 13
/
11 | Length of status: | 9y 5m |
Credit score:
| 660-679 (May-2010) |
Total credit lines:
| 23 |
Occupation: | Professional |
Now delinquent:
| 0 |
Revolving credit balance:
| $1,644 | Stated income: | $25,000-$49,999 |
Amount delinquent:
| $0 |
Bankcard utilization:
| 100% | | |
Public records last 12m / 10y:
| 0/ 4 |
Homeownership:
| Yes | | |
Delinquencies in last 7y:
| 0 | | | | |
Screen name:
| JNR |
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.
Prosper Activity
Loan history | Payment history | Credit score history |
Active / total loans:
| 0 / 1 |
On-time:
| 30 ( 94% )
| 660-679 (Latest)
|
Principal borrowed:
| $1,000.00 | < 31 days late:
| 2
( 6% )
| 560-579
(Oct-2006)
|
Principal balance:
| $0.00 |
31+ days late:
| 0
( 0% )
|
Total payments billed:
| 32 | | |
Description
Relist - Heat Pump
This loan will be used to purchase a new heat pump system for our home.? Our 20 year-old system is non-repairable and we must replace it. estimated cost is roughly $2900.?
Prosper was good to me on my first loan of $1,000 which I used to pay back taxes to the state of Arkansas.? I was hoping to keep them from putting a lien(s) on me for the debt.? Even though it was paid - I wasn't quick enough with the payment.? My prosper experience was excellent and I made sure I paid my debt in full as soon as possible.? The public records are the tax liens and my Ch. 13 bankruptcy. I filed Chapter 13 bankruptcy in July 2003. I chose to file bankruptcy
because of unfortunate circumstances in employment that drastically
impacted my finances.?? I satisfactorily completed the Chapter 13 bankruptcy in 36 months
by paying twice the amount required by the court every month and was
granted a discharge in September 2006.? Since my first prosper loan I have purchased a home (modest mortgage - 104,000 30 years at 5.5%)? and a car ($15,000 at almost 9%) and have made on time payments for 3 good years.? I don't have a large revolving credit line (due to my financial past)? and what I do have? - I used on a pet medical issue earlier this year.
I work for a local community college in communications and marketing - This school has seen excellent growth in the past 10 years and is largest community college in it's state.? My husband is a Sr. Audio Technician for a major maker of Live Audio Consoles (equipment
used at large professional concert events) and is one of only two technicians in North America. His monthly net income is
around 2,600.
Monthly net income: $
4550
Monthly expenses: $
??Housing: $
800
??Insurance: $
257
??Car expenses: $
400
??Utilities: $ 200
??Phone, cable, internet: $
100
??Food, entertainment: $
330
??Clothing, household expenses $
100
??Credit cards and other loans: $
200
??Other expenses: $
700 (daycare for 2 kids)
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
461706
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount:
| $16,000.00 |
Prosper Rating:
| AA |
Auction Duration:
| 7 days
|
Term:
| 36 months |
Estimated loss:
| 1.5% | | |
| | |
|
Starting lender yield:
| 9.30% |
Starting borrower rate/APR:
| 10.30% / 10.65% |
Starting monthly payment:
| $518.53 |
|
Auction yield range:
| 2.98% - 9.30% |
Estimated loss impact:
| 1.51% | | |
Lender servicing fee:
| 1.00% |
Estimated return:
| 7.79% | | |
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper scores:
| |
First credit line:
| Jun-2001 |
Debt/Income ratio:
| 28% |
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: | 3y 0m |
Credit score:
| 820-839 (Jun-2010) |
Total credit lines:
| 18 |
Occupation: | Other |
Now delinquent:
| 0 |
Revolving credit balance:
| $8,454 | Stated income: | $50,000-$74,999 |
Amount delinquent:
| $0 |
Bankcard utilization:
| 20% | | |
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| Yes | | |
Delinquencies in last 7y:
| 0 | | | | |
Screen name:
| interest-elevator7 |
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
Home Improvement Consolidation
Purpose of loan:? I want to consolidate two balances which equal approx $16,000.00.The money was used to fix my house and was on
revolving credit accounts.I want a
fixed loan and one payment.
My financial situation: I have had steady
employment since college and have
progressed in pay and in responsibility at work.In
addition I have worked hard since I was 18
to create and maintain good credit.Simply put I work hard
and I live up to my obligations financial and
otherwise.
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
461736
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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:
| 17.00% |
Starting borrower rate/APR:
| 18.00% / 20.21% |
Starting monthly payment:
| $180.76 |
|
Auction yield range:
| 16.98% - 17.00% |
Estimated loss impact:
| 18.94% | | |
Lender servicing fee:
| 1.00% |
Estimated return:
| -1.94% | | |
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper scores:
| |
First credit line:
| Oct-1987 |
Debt/Income ratio:
| 10% |
Basic (1-10):
| 5 |
Inquiries last 6m:
| 2 | Employment status: | Full-time employee |
Enhanced (1-5): | 3 |
Current / open credit lines:
| 8
/
8 | Length of status: | 21y 10m |
Credit score:
| 700-719 (Jun-2010) |
Total credit lines:
| 26 |
Occupation: | Police Officer/Corr... |
Now delinquent:
| 0 |
Revolving credit balance:
| $279,442 | Stated income: | $100,000+ |
Amount delinquent:
| $0 |
Bankcard utilization:
| 99% | | |
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| Yes | | |
Delinquencies in last 7y:
| 0 | | | | |
Screen name:
| p2ploan-celebration |
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 son with first car
Purpose of loan:
This loan will be used to?help my son with his first car.?
My financial situation:
I am a good candidate for this loan because? I have never defaulted on any obligation!
Monthly net income: $ 10,000+
Monthly expenses: $
??Housing: $?3,300
??Insurance: $ 274?
??Car expenses: $0
??Utilities: $ 300
??Phone, cable, internet: $ 100
??Food, entertainment: $ 1,500
??Clothing, household expenses $ 300?
??Credit cards and other loans: $?1,700
??Other expenses: $
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
461742
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount:
| $1,000.00 |
Prosper Rating:
| AA |
Auction Duration:
| 7 days
|
Term:
| 36 months |
Estimated loss:
| 0.6% | | |
| | |
|
Starting lender yield:
| 6.10% |
Starting borrower rate/APR:
| 7.10% / 7.44% |
Starting monthly payment:
| $30.92 |
|
Auction yield range:
| 2.98% - 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-1996 |
Debt/Income ratio:
| 3% |
Basic (1-10):
| 10 |
Inquiries last 6m:
| 0 | Employment status: | Full-time employee |
Enhanced (1-5): | 5 |
Current / open credit lines:
| 7
/
5 | Length of status: | 4y 10m |
Credit score:
| 780-799 (Jun-2010) |
Total credit lines:
| 20 |
Occupation: | Other |
Now delinquent:
| 0 |
Revolving credit balance:
| $1,192 | Stated income: | $50,000-$74,999 |
Amount delinquent:
| $0 |
Bankcard utilization:
| 0% | | |
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| No | | |
Delinquencies in last 7y:
| 0 | | | | |
Screen name:
| nickel-canary |
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
Post-graduate graduate education
Purpose of loan:
This loan will be used to? pay the balance of my credit card. Because I am only returning to graduate education at the rate of one class a semester, I am ineligible for any financial aid. Unfortunately, I do not have the means to pay for such things out-of-pocket from a savings account so using my credit card was my only option. Asking for a loan here would enable me to pay off this loan at a lower interest rate, thus saving me money over time.
My financial situation:
I am a good candidate for this loan because?I am reliable and prompt with payments. I make a solid salary (at the lower end of the range listed above, but please take into consideration that I live in one of the most expensive cities on the planet) and, as evidenced by my credit report, am responsible.
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
461754
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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:
| 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:
| $79.54 |
|
Auction yield range:
| 16.98% - 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:
| Feb-1989 |
Debt/Income ratio:
| 9% |
Basic (1-10):
| 5 |
Inquiries last 6m:
| 0 | Employment status: | Retired |
Enhanced (1-5): | 4 |
Current / open credit lines:
| 3
/
2 | Length of status: | 16y 0m |
Credit score:
| 660-679 (Jun-2010) |
Total credit lines:
| 8 | Stated income: | $1-$24,999 |
Now delinquent:
| 2 |
Revolving credit balance:
| $1,006 | |
Amount delinquent:
| $953 |
Bankcard utilization:
| 83% | | |
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| No | | |
Delinquencies in last 7y:
| 0 | | | | |
Screen name:
| benjamins-scrutinzer |
Borrower's state:
| NewYork |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Description
paying house taxes
Purpose of loan:
This loan will be used to?
to pay 2009 taxes on mom's house
My financial situation:
I am a good candidate for this loan because? the money will come out directly from mom's account
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
461760
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount:
| $2,500.00 |
Prosper Rating:
| D |
Auction Duration:
| 7 days
|
Term:
| 36 months |
Estimated loss:
| 10.0% | | |
| | |
|
Starting lender yield:
| 25.25% |
Starting borrower rate/APR:
| 26.25% / 28.57% |
Starting monthly payment:
| $101.06 |
|
Auction yield range:
| 10.98% - 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-2001 |
Debt/Income ratio:
| Not calculated |
Basic (1-10):
| 7 |
Inquiries last 6m:
| 0 | Employment status: | Full-time employee |
Enhanced (1-5): | 5 |
Current / open credit lines:
| 5
/
5 | Length of status: | 0y 4m |
Credit score:
| 700-719 (Jun-2010) |
Total credit lines:
| 11 |
Occupation: | Administrative Assi... |
Now delinquent:
| 0 |
Revolving credit balance:
| $1,387 | Stated income: | $1-$24,999 |
Amount delinquent:
| $0 |
Bankcard utilization:
| 22% | | |
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| No | | |
Delinquencies in last 7y:
| 1 | | | | |
Screen name:
| contract-tambourine |
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 Debt to Save for Wedding
Purpose of loan:
I don't want to pay to here and then pay to here.? I would like to simplify everything and consolidate my debt with one interest rate and pay it off as quickly as possible.? I am getting engaged and have a wedding to start planning and saving for so it would be nice to have my small amount of debt taken care of.? I am never ever late with my bills, there is one delinquency on my record from when I was very young and just getting credit cards for the first time.? It is about to fall off my record it is so old.??It is recommending a $100 payment a month but I am thinking more on the lines of $300 a month.
My financial situation:
I am a vary hard worker,?extremely organized and responsible. The debt that I have?was from being out of work last year (I moved to a different state and jobs are not easy to come by)?but I am working again and getting things in line.
Monthly net income: $ 1300
Monthly expenses: $
??Housing: $ 400
??Insurance: $ 0
??Car expenses: $ 100
??Utilities: $ 0
??Phone, cable, internet: $ 50
??Food, entertainment: $ 100
??Clothing, household expenses $ 0
??Credit cards and other loans: $ I pay everything that is left?in this category, I never pay the minium balance.? I would like to get this taken care of so that all of this money can start going?into my savings account.
??Other expenses: $ 50
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
461766
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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:
| 25.0% | | |
| | |
|
Starting lender yield:
| 34.00% |
Starting borrower rate/APR:
| 35.00% / 37.45% |
Starting monthly payment:
| $90.47 |
|
Auction yield range:
| 16.98% - 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-2006 |
Debt/Income ratio:
| 45% |
Basic (1-10):
| 3 |
Inquiries last 6m:
| 11 | Employment status: | Full-time employee |
Enhanced (1-5): | 1 |
Current / open credit lines:
| 13
/
12 | Length of status: | 1y 5m |
Credit score:
| 660-679 (May-2010) |
Total credit lines:
| 17 |
Occupation: | Teacher |
Now delinquent:
| 0 |
Revolving credit balance:
| $8,915 | Stated income: | $25,000-$49,999 |
Amount delinquent:
| $0 |
Bankcard utilization:
| 26% | | |
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| No | | |
Delinquencies in last 7y:
| 0 | | | | |
Screen name:
| Loanmemoney |
Borrower's state:
| Arizona |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan history | Payment history | Credit score history |
Active / total loans:
| 0 / 1 |
On-time:
| 29 ( 100% )
| 660-679 (Latest)
|
Principal borrowed:
| $3,000.00 | < 31 days late:
| 0
( 0% )
| 580-599
(Apr-2008)
600-619
(Aug-2007)
620-639
(Jul-2007)
|
Principal balance:
| $0.00 |
31+ days late:
| 0
( 0% )
|
Total payments billed:
| 29 | | |
Description
First loan Paid, need a another..
Purpose of loan:
This loan will be used to pay off all of my credit cards..?
My financial situation:
I am a good candidate for this loan because?I paid off my 1st loan and did not miss a payment.? My husband makes good money and he pays all of the bills.?
Monthly net income: $ 2,000
Monthly expenses: $
??Housing: $ 0.00
??Insurance: $ 0.00
??Car expenses: $0.00?
??Utilities: $0.00
??Phone, cable, internet: $0.00
??Food, entertainment: $0.00
??Clothing, household expenses $0.00
??Credit cards and other loans: $ 350.00?
??Other expenses: $ 0.00
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
415653
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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:
| 18.90% |
Starting borrower rate/APR:
| 19.90% / 22.14% |
Starting monthly payment:
| $111.34 |
|
Auction yield range:
| 7.98% - 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-1984 |
Debt/Income ratio:
| 27% |
Basic (1-10):
| 10 |
Inquiries last 6m:
| 0 | Employment status: | Full-time employee |
Enhanced (1-5): | 4 |
Current / open credit lines:
| 13
/
11 | Length of status: | 26y 0m |
Credit score:
| 660-679 (May-2010) |
Total credit lines:
| 31 |
Occupation: | Sales - Retail |
Now delinquent:
| 0 |
Revolving credit balance:
| $1,042 | Stated income: | $50,000-$74,999 |
Amount delinquent:
| $0 |
Bankcard utilization:
| 11% | | |
Public records last 12m / 10y:
| 0/ 1 |
Homeownership:
| Yes | | |
Delinquencies in last 7y:
| 12 | | | | |
Screen name:
| ANewDay |
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% )
| 660-679 (Latest)
|
Principal borrowed:
| $5,000.00 | < 31 days late:
| 0
( 0% )
| 620-639
(Jun-2008)
620-639
(May-2008)
600-619
(Dec-2006)
560-579
(Nov-2006)
|
Principal balance:
| $0.00 |
31+ days late:
| 0
( 0% )
|
Total payments billed:
| 35 | | |
Description
My loan for home improvement
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
430251
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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:
| 19.00% |
Starting borrower rate/APR:
| 20.00% / 22.24% |
Starting monthly payment:
| $371.64 |
|
Auction yield range:
| 13.98% - 19.00% |
Estimated loss impact:
| 14.84% | | |
Lender servicing fee:
| 1.00% |
Estimated return:
| 4.16% | | |
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper scores:
| |
First credit line:
| Feb-1987 |
Debt/Income ratio:
| 46% |
Basic (1-10):
| 6 |
Inquiries last 6m:
| 0 | Employment status: | Full-time employee |
Enhanced (1-5): | 4 |
Current / open credit lines:
| 7
/
7 | Length of status: | 0y 10m |
Credit score:
| 660-679 (Jun-2010) |
Total credit lines:
| 17 |
Occupation: | Other |
Now delinquent:
| 0 |
Revolving credit balance:
| $31,121 | Stated income: | $50,000-$74,999 |
Amount delinquent:
| $0 |
Bankcard utilization:
| 90% | | |
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| No | | |
Delinquencies in last 7y:
| 0 | | | | |
Screen name:
| pure-dime |
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
Purpose of loan:
This loan will be used to finish funding a unique fantasy web site that will earn profit from subscribers as well as advertising. The site will draw from a ready-made customer base of 25 million fantasy sports enthusiasts. The site is expected to launch by the end of the year.
My financial situation:
I am a good candidate for this loan because I have excellent credit and?will be able to pay it back even in the unlikely event the web site does not succeed.
Monthly net income: $3,400
Monthly expenses: $2,780?
??Housing: $790?
??Phone, cable, Internet: $80?
??Food, other: $400?
??Credit cards and other loans: $1,500?
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
454657
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount:
| $7,500.00 |
Prosper Rating:
| HR |
Auction Duration:
| 7 days
|
Term:
| 36 months |
Estimated loss:
| 25.0% | | |
| | |
|
Starting lender yield:
| 19.00% |
Starting borrower rate/APR:
| 20.00% / 22.24% |
Starting monthly payment:
| $278.73 |
|
Auction yield range:
| 16.98% - 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:
| Oct-1982 |
Debt/Income ratio:
| Self-employed (DTI Not Calculated) |
Basic (1-10):
| 3 |
Inquiries last 6m:
| 4 | Employment status: | Self-employed |
Enhanced (1-5): | 2 |
Current / open credit lines:
| 22
/
17 | Length of status: | 30y 1m |
Credit score:
| 640-659 (Jun-2010) |
Total credit lines:
| 52 |
Occupation: | Accountant/CPA |
Now delinquent:
| 0 |
Revolving credit balance:
| $10,935 | Stated income: | $100,000+ |
Amount delinquent:
| $0 |
Bankcard utilization:
| 27% | | |
Public records last 12m / 10y:
| 0/ 1 |
Homeownership:
| No | | |
Delinquencies in last 7y:
| 1 | | | | |
Screen name:
| eric90265 |
Borrower's state:
| Oregon |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan history | Payment history | Credit score history |
Active / total loans:
| 0 / 2 |
On-time:
| 28 ( 100% )
| 640-659 (Latest)
|
Principal borrowed:
| $9,999.00 | < 31 days late:
| 0
( 0% )
| 700-719
(Apr-2010)
580-599
(Sep-2007)
620-639
(May-2007)
|
Principal balance:
| $0.02 |
31+ days late:
| 0
( 0% )
|
Total payments billed:
| 28 | | |
Description
Home Impts/Debt Consolidation
Purpose of loan:
This loan will be used to pay credit card debt related to my move to Oregon from Califonia (about 5k) as well as complete the home imporvements on my new home purchased last week in Oregon..
My financial situation: Excellent. I am a Certified Public Accountant with 25 years experience. I have two clients for whom I provide CFO (Chief Financial Officer) services. One is a $30 million grossing entertainment licensing company (10,400/month), the other is a technology start-up (2,500/month).
I am a good candidate for this loan because I am intent on becoming debt free as soon as possible. I have had two Prosper loans, both paid off and both always paid timely. I have paid off 25,000 in debt over the past several months and my only term payments are a car payment o 376 and my new mortgage, 2,400/mo, $750 less than my former housing costs in CA. I work at home and the income is not affected by the move.
Monthly net income: $ 12,900
Monthly expenses: $ $ 5,676
??Housing: $ 2,400/mo.
??Insurance: $ 0
??Car expenses: $ 376
??Utilities: $ 100
??Phone, cable, internet: $ 300
??Food, entertainment: $ 1,500
??Clothing, household expenses $ 500
??Credit cards and other loans: 0
??Other expenses: $ 500
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
455937
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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:
| 17.00% |
Starting borrower rate/APR:
| 18.00% / 20.21% |
Starting monthly payment:
| $108.46 |
|
Auction yield range:
| 13.98% - 17.00% |
Estimated loss impact:
| 14.75% | | |
Lender servicing fee:
| 1.00% |
Estimated return:
| 2.25% | | |
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper scores:
| |
First credit line:
| Oct-1998 |
Debt/Income ratio:
| 31% |
Basic (1-10):
| 6 |
Inquiries last 6m:
| 2 | Employment status: | Full-time employee |
Enhanced (1-5): | 4 |
Current / open credit lines:
| 14
/
10 | Length of status: | 2y 5m |
Credit score:
| 680-699 (Jun-2010) |
Total credit lines:
| 40 |
Occupation: | Professional |
Now delinquent:
| 0 |
Revolving credit balance:
| $6,382 | Stated income: | $50,000-$74,999 |
Amount delinquent:
| $0 |
Bankcard utilization:
| 77% | | |
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| No | | |
Delinquencies in last 7y:
| 0 | | | | |
Screen name:
| methodical-treasure9 |
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
Wedding
Purpose of loan:
This loan will be used for wedding expenses
My financial situation:
I am a good candidate for this loan because I have a full time job and have not been late on payments
Monthly net income: $
Monthly expenses: $
??Housing: $ 0
??Insurance: $ Car $70.34 Life $71.84
??Car expenses: $ 573.73
??Utilities: $ 0
??Phone, cable, internet: $ 200
??Food, entertainment: $ 0
??Clothing, household expenses $ 0
??Credit cards and other loans: $ 500
??Other expenses: $ 150
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
458707
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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:
| 16.98% - 34.00% |
Estimated loss impact:
| 20.01% | | |
Lender servicing fee:
| 1.00% |
Estimated return:
| 13.99% | | |
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper scores:
| |
First credit line:
| Oct-1993 |
Debt/Income ratio:
| Self-employed (DTI Not Calculated) |
Basic (1-10):
| 3 |
Inquiries last 6m:
| 1 | Employment status: | Self-employed |
Enhanced (1-5): | 3 |
Current / open credit lines:
| 6
/
5 | Length of status: | 5y 1m |
Credit score:
| 700-719 (Jun-2010) |
Total credit lines:
| 32 |
Occupation: | Realtor |
Now delinquent:
| 0 |
Revolving credit balance:
| $3,391 | Stated income: | $25,000-$49,999 |
Amount delinquent:
| $0 |
Bankcard utilization:
| 100% | | |
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| No | | |
Delinquencies in last 7y:
| 27 | | | | |
Screen name:
| WorkingMauiMom |
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
Son leaving for Navy
Purpose of loan:
My eldest son is leaving Maui for the first time and embarking on his naval basic training in Chicago, IL.? He has asked us to be a part of his graduation ceremonies in August and I am afraid we just don't have the savings to pay for a trip there.? This is my first-born son and as a parent who is very close with her kids, I want to try everything possible to be there in support of him.?
My financial situation:
I am a good candidate for this loan because? Although my credit score needs improving, it has drastically increased over the last few months as work (real estate) has finally started moving upward.? For a while with the economic slump, sales were little to none.? Family is extremely important to me and along with wanting to provide for my family, I also want to move us toward a better financial picture where paying off all debt is of utmost importance. Any lender will have my word that a loan will be repaid as quickly as possible. My current job?has a small salary that will be doubling in the next 2 months and I have 9 clients that are waiting for approvals on their offers on buying homes. Being paid mostly by commission, these 9 clients represent approximately $90,000?once those sales close generally 45 - 60 days from acceptance.? However, the increase of the salary alone will allow me to make my monthly payments on this loan, as real estate sales are never a done deal until they are closed and recorded. I am counting on commission?as a back up in case they do not materialize.? Thank you for any consideration.
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
458743
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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:
| 5.98% - 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:
| Sep-1999 |
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:
| 8
/
8 | Length of status: | 1y 1m |
Credit score:
| 740-759 (May-2010) |
Total credit lines:
| 29 |
Occupation: | Other |
Now delinquent:
| 3 |
Revolving credit balance:
| $12,173 | Stated income: | $100,000+ |
Amount delinquent:
| $8,496 |
Bankcard utilization:
| 30% | | |
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| No | | |
Delinquencies in last 7y:
| 9 | | | | |
Screen name:
| bada-bing4 |
Borrower's state:
| Oklahoma |
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.
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.
I have had some credit issues 6 years ago when I contracted a disease that almost killed me.? Today I am healthier
than ever & I am as good as gold to pay this Prosper loan off.? Please consider me as a good risk on this loan.
I have a stable income and stable employment.? My credit rating is the 2nd most important thing to me right now next to
my beautiful wife & darling daughter.? Getting a better credit rating will enable me to make more money & improve
my financial circumstances in the long run. ? The purpose of the loan will be for debt consolidation so I can clear off some
negative entries off my credit reports ?that I acquired 6 years ago and also to pay down my debt into one payment which
always improves a persons score too. ?Having a recent paid off loan with Prosper in time, will also shoot my credit
scores much higher.
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
459493
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount:
| $2,900.00 |
Prosper Rating:
| B |
Auction Duration:
| 7 days
|
Term:
| 36 months |
Estimated loss:
| 5.0% | | |
| | |
|
Starting lender yield:
| 14.00% |
Starting borrower rate/APR:
| 15.00% / 17.17% |
Starting monthly payment:
| $100.53 |
|
Auction yield range:
| 5.98% - 14.00% |
Estimated loss impact:
| 5.24% | | |
Lender servicing fee:
| 1.00% |
Estimated return:
| 8.76% | | |
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:
| Oct-1979 |
Debt/Income ratio:
| 31% |
Basic (1-10):
| 8 |
Inquiries last 6m:
| 1 | Employment status: | Full-time employee |
Enhanced (1-5): | 3 |
Current / open credit lines:
| 7
/
7 | Length of status: | 2y 3m |
Credit score:
| 740-759 (May-2010) |
Total credit lines:
| 26 |
Occupation: | Professional |
Now delinquent:
| 1 |
Revolving credit balance:
| $2,197 | Stated income: | $25,000-$49,999 |
Amount delinquent:
| $855 |
Bankcard utilization:
| 5% | | |
Public records last 12m / 10y:
| 0/ 1 |
Homeownership:
| No | | |
Delinquencies in last 7y:
| 4 | | | | |
Screen name:
| HorizonHoldings |
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 / 2 |
On-time:
| 38 ( 100% )
| 740-759 (Latest)
|
Principal borrowed:
| $8,800.00 | < 31 days late:
| 0
( 0% )
| 760-779
(Oct-2009)
720-739
(Oct-2008)
740-759
(Mar-2008)
780-799
(Jul-2007)
|
Principal balance:
| $0.00 |
31+ days late:
| 0
( 0% )
|
Total payments billed:
| 38 | | |
Description
Debt Consolidation
Purpose of loan:
This loan will be used to? Consolidate two bills into one payment so I can close one credit card in good standing.
My financial situation:
I am a good candidate for this loan because? I have already shown that I pay my bills by paying off two previous Prosper loans. I am not sure why the report is showing the four delinquencies. I have pulled two out of the three major credit reports and have found two errors on one report. I will not be able to fix these in time for the loan. I do intend on fixing them in the near future.
Monthly net income: $ 1,850
Monthly expenses: $ 1,697??Housing: $ 400.00
??Insurance: $ 105.00
??Car expenses: $ 80.00
??Utilities: $ 106.00
??Phone, cable, internet: $ 80.00
??Food, entertainment: $ 200.00
??Clothing, household expenses $ 0
??Credit cards and other loans: $ 490.00
??Other expenses: $236Free and Clear Money Each Month now: $153.00 I am due for a promotion where I am currently employed which when completed with raise my monthly income by another $248.00 per month minimum. Total free and clear income will be: $401 next month (a bonus program is in place that could allow me to earn up to another $1,025 gross a month, average bonuses are around $500.00 per month gross). This bill consolidation does not change my payment amounts I just want one place to pay instead of two and I want to close the one credit card.
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
460539
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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:
| E |
Auction Duration:
| 7 days
|
Term:
| 36 months |
Estimated loss:
| 14.0% | | |
| | |
|
Starting lender yield:
| 14.99% |
Starting borrower rate/APR:
| 15.99% / 18.17% |
Starting monthly payment:
| $281.22 |
|
Auction yield range:
| 13.98% - 14.99% |
Estimated loss impact:
| 14.65% | | |
Lender servicing fee:
| 1.00% |
Estimated return:
| 0.34% | | |
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper scores:
| |
First credit line:
| Sep-2004 |
Debt/Income ratio:
| Not calculated |
Basic (1-10):
| 6 |
Inquiries last 6m:
| 0 | Employment status: | Full-time employee |
Enhanced (1-5): | 5 |
Current / open credit lines:
| 4
/
4 | Length of status: | 1y 11m |
Credit score:
| 660-679 (May-2010) |
Total credit lines:
| 12 |
Occupation: | Student - College G... |
Now delinquent:
| 0 |
Revolving credit balance:
| $1,478 | Stated income: | $50,000-$74,999 |
Amount delinquent:
| $0 |
Bankcard utilization:
| 13% | | |
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| No | | |
Delinquencies in last 7y:
| 0 | | | | |
Screen name:
| benefit-blackberry0 |
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
Dental Student wants to propose!
Hello! Thank you for considering funding my dream.
I am currently a third year dental student who is madly in love with his girlfriend of five years. We met in my freshman year of college, decided to attend dental school together. Although school has been challenging, we have been each other?s ?rock? throughout. Without a doubt in my mind, I am ready to spend the rest of my life with her.
I bet you are wondering why, if I am this positive about marriage, I do not have savings for this endeavor. Well, my parents are in the construction business and my dad fell on hard times. I gave him my savings so they could keep our home. Family first. But given the current state of the housing market, I do not think I will be getting the money back relatively soon. So I am looking for investors to lend me the money to purchase my future finance?s ring that she has fallen in love with.
Last year, I received $25,819.58 to spend on living expenses with Stafford Loans which are guaranteed to me as a professional student. My monthly expenses are as follows: $827.50- Rent and $120- Utilities. This is $11,370 for the year. I also make a credit card payment of $100 per month. As you can see, I have a surplus of funds that I usually pay back and this is also where my savings came from. However, I?d like to propose soon so this surplus will pay you the principal and interest that you deserve. I have never missed a payment and never will. I will not let you down. Thank you for the time it took to read my appeal and for your consideration.
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
460565
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount:
| $8,000.00 |
Prosper Rating:
| AA |
Auction Duration:
| 7 days
|
Term:
| 36 months |
Estimated loss:
| 1.5% | | |
| | |
|
Starting lender yield:
| 8.43% |
Starting borrower rate/APR:
| 9.43% / 9.77% |
Starting monthly payment:
| $256.00 |
|
Auction yield range:
| 2.98% - 8.43% |
Estimated loss impact:
| 1.50% | | |
Lender servicing fee:
| 1.00% |
Estimated return:
| 6.93% | | |
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper scores:
| |
First credit line:
| Apr-1989 |
Debt/Income ratio:
| Not calculated |
Basic (1-10):
| 7 |
Inquiries last 6m:
| 0 | Employment status: | Full-time employee |
Enhanced (1-5): | 5 |
Current / open credit lines:
| 2
/
2 | Length of status: | 4y 0m |
Credit score:
| 860-879 (May-2010) |
Total credit lines:
| 11 |
Occupation: | Other |
Now delinquent:
| 0 |
Revolving credit balance:
| $462 | Stated income: | $75,000-$99,999 |
Amount delinquent:
| $0 |
Bankcard utilization:
| 3% | | |
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| Yes | | |
Delinquencies in last 7y:
| 0 | | | | |
Screen name:
| pound-didgeridoo |
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
Train for photography
Purpose of loan:
This loan will be used so that I can get training for a new career in photography.? I became interested in photography several years ago and have slowly been teaching myself, working on documentary, travel and art projects of my own, and taking classes. I have a strong desire to switch careers as I have always had a passion for visual storytelling, as well as a desire to make a difference by doing meaningful work. I am having difficulty building up a strong portfolio and gaining the required level of experience to make the career jump to photographer, however, as I work 40 hours a week and thus cannot take on a full-time apprenticeship or internship, or attend a four year college program.
I am applying for a loan as I would like to attend a series of photography courses and workshops at the School of the International Center of Photography and the Maine Media Workshops, over the summer, that will allow me to focus on bettering my skills as a social documentary photographer. These will help me gain insight and knowledge from some of the best photographers working today, as well as allow me to network and make connections within the field, and help me to build up my portfolio so that I can make the jump. Additionally I'll be purchasing two new lenses, lighting equipment, a second tripod, and an extra camera body, in order to make sure I have all the equipment necessary in a professional's kit.
My financial situation:
I am a good candidate for this loan because I have a stable job with an excellent salary.? I plan to continue working at this job until I pay off the entire loan because it's very important to me to honor my commitments and remain debt-free.? Unfortunately, New York State laws make it difficult to get unsecured personal loans through the banks with which I already have relationships, so this site represents a great opportunity.
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
460593
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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:
| 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:
| $108.23 |
|
Auction yield range:
| 2.98% - 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:
| Feb-1996 |
Debt/Income ratio:
| 51% |
Basic (1-10):
| 10 |
Inquiries last 6m:
| 0 | Employment status: | Full-time employee |
Enhanced (1-5): | 4 |
Current / open credit lines:
| 11
/
11 | Length of status: | 10y 5m |
Credit score:
| 760-779 (May-2010) |
Total credit lines:
| 37 |
Occupation: | Sales - Commission |
Now delinquent:
| 0 |
Revolving credit balance:
| $15,861 | Stated income: | $50,000-$74,999 |
Amount delinquent:
| $0 |
Bankcard utilization:
| 50% | | |
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| Yes | | |
Delinquencies in last 7y:
| 0 | | | | |
Screen name:
| consummate-marketplace4 |
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
to pay off a couple of credit cards
Purpose of loan:
This loan will be used to?pay off a credit card and a medical bill that we did not know that we owed because it had been disputed and hadnt heard from them for a year
My financial situation:
I am a good candidate for this loan because?i work long hard hours and have been with this same company for almost 11 years
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
460905
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount:
| $10,000.00 |
Prosper Rating:
| C |
Auction Duration:
| 7 days
|
Term:
| 36 months |
Estimated loss:
| 7.0% | | |
| | |
|
Starting lender yield:
| 20.93% |
Starting borrower rate/APR:
| 21.93% / 24.19% |
Starting monthly payment:
| $381.54 |
|
Auction yield range:
| 7.98% - 20.93% |
Estimated loss impact:
| 7.49% | | |
Lender servicing fee:
| 1.00% |
Estimated return:
| 13.44% | | |
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper scores:
| |
First credit line:
| Jun-1997 |
Debt/Income ratio:
| 25% |
Basic (1-10):
| 6 |
Inquiries last 6m:
| 0 | Employment status: | Part-time employee |
Enhanced (1-5): | 4 |
Current / open credit lines:
| 3
/
1 | Length of status: | 7y 9m |
Credit score:
| 780-799 (Jun-2010) |
Total credit lines:
| 7 |
Occupation: | Teacher |
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:
| return-mermaid5 |
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
Boston Fabric and Notions
Purpose of loan:
This loan will be used to?
? Create a start-up business that is profitable, welcoming, and eco-friendly.
? Create a community of sewists and fiber artists in the Cambridge area.
? Support local design events and other independent small business owners, particularly woman-owned businesses.
My mission is to provide a well-edited collection of fine fabrics for apparel and home d?cor and to encourage creative expression in the Cambridge community. Instead of attracting ?customers,? at my fabric shop, I strive to create colleagues and friends, focusing on strong relationships growing out of mutual interests.
The shop will carry the following products:
? Fabrics from Freespirit, Rowan, and Kona Bay as well as interfacing and other sundry yard goods
? Notions by Clover, Gutermann, Schmetz, and Dritz
? Patterns by Amy Butler, Colette, Hot Patterns, Favorite Things, and Anna Marie Horner
? Variety of sewing and home d?cor books
? Yarn from Malabrigo co-op
My financial situation:
I will be contributing 23% of the total startup income from my personal savings.
I am a good candidate for this loan because I have a passion for the industry and the community as well as a history of retail experience. My education in art history has helped me to develop my sense of the visual and allows me to approach the business with an eye towards elegance and strong brand presence.
Monthly net income: $8000.00
Monthly expenses:
??Site Lease: $1300
??Insurance: $300
??Utilities: $100
??Phone, cable, internet: $100
??Misc. Supplies: $50
??Payroll: $1000
??Credit cards and other loans: $100
??Credit Card Fees: $150
??Taxes: $450
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
461021
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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:
| 25.25% |
Starting borrower rate/APR:
| 26.25% / 28.84% |
Starting monthly payment:
| $60.64 |
|
Auction yield range:
| 10.98% - 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:
| Dec-2000 |
Debt/Income ratio:
| 24% |
Basic (1-10):
| 7 |
Inquiries last 6m:
| 0 | Employment status: | Full-time employee |
Enhanced (1-5): | 4 |
Current / open credit lines:
| 13
/
13 | Length of status: | 0y 6m |
Credit score:
| 640-659 (May-2010) |
Total credit lines:
| 16 |
Occupation: | Religious |
Now delinquent:
| 0 |
Revolving credit balance:
| $5,369 | Stated income: | $1-$24,999 |
Amount delinquent:
| $0 |
Bankcard utilization:
| 97% | | |
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| No | | |
Delinquencies in last 7y:
| 0 | | | | |
Screen name:
| ready-justice |
Borrower's state:
| Wisconsin |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Description
My loan for an auto purchase
Purpose of loan:
Buy an classic motorcycle as a summer project.
My financial situation:
I am a good candidate for this loan because my current cash flow is $518 a month. Best estimates see that dropping by $100 for the loan payment plus auto insurance increase. Giving me a final monthly cash flow of around $418.
Housing and utilities are provided by my employer.
Monthly net income: $
1489
Monthly expenses: $
972
??Housing: $
0
? Insurance: $
0
??Car expenses: $
83
??Utilities: $
0
??Phone, cable, internet: $ 59
??Food, entertainment: $
200
??Clothing, household expenses $
??Credit cards and other loans: $
430
??Other expenses: $
200
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
461107
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount:
| $2,500.00 |
Prosper Rating:
| A |
Auction Duration:
| 7 days
|
Term:
| 36 months |
Estimated loss:
| 2.1% | | |
| | |
|
Starting lender yield:
| 8.20% |
Starting borrower rate/APR:
| 9.20% / 11.30% |
Starting monthly payment:
| $79.73 |
|
Auction yield range:
| 3.98% - 8.20% |
Estimated loss impact:
| 2.12% | | |
Lender servicing fee:
| 1.00% |
Estimated return:
| 6.08% | | |
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper scores:
| |
First credit line:
| Aug-2002 |
Debt/Income ratio:
| 6% |
Basic (1-10):
| 9 |
Inquiries last 6m:
| 0 | Employment status: | Full-time employee |
Enhanced (1-5): | 5 |
Current / open credit lines:
| 5
/
4 | Length of status: | 4y 1m |
Credit score:
| 740-759 (Jun-2010) |
Total credit lines:
| 11 |
Occupation: | Professional |
Now delinquent:
| 0 |
Revolving credit balance:
| $714 | Stated income: | $25,000-$49,999 |
Amount delinquent:
| $0 |
Bankcard utilization:
| 17% | | |
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| No | | |
Delinquencies in last 7y:
| 0 | | | | |
Screen name:
| silver-stronghold |
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
Buying Appliances For New Kitchen
Hello! This is my first time borrowing with Prosper. My husband and I are in the process of fixing up an old ranch house and starting a 2 acre organic farm. Right now, we're working on our kitchen. While we have saved up the money to cover materials and labor, we need a bit more to buy a stove and fridge.
I work full-time for a small public radio station, and my husband has a full-time job for a landscaper. We're very responsible financially, always pay our bills on time, make an extra mortgage payment every year, etc.
Thank you for your consideration!
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
461225
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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:
| AA |
Auction Duration:
| 7 days
|
Term:
| 36 months |
Estimated loss:
| 1.5% | | |
| | |
|
Starting lender yield:
| 9.43% |
Starting borrower rate/APR:
| 10.43% / 10.78% |
Starting monthly payment:
| $568.22 |
|
Auction yield range:
| 2.98% - 9.43% |
Estimated loss impact:
| 1.51% | | |
Lender servicing fee:
| 1.00% |
Estimated return:
| 7.92% | | |
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:
| Apr-1989 |
Debt/Income ratio:
| 89% |
Basic (1-10):
| 8 |
Inquiries last 6m:
| 0 | Employment status: | Full-time employee |
Enhanced (1-5): | 4 |
Current / open credit lines:
| 29
/
29 | Length of status: | 1y 7m |
Credit score:
| 800-819 (Jun-2010) |
Total credit lines:
| 70 |
Occupation: | Doctor |
Now delinquent:
| 0 |
Revolving credit balance:
| $63,673 | Stated income: | $75,000-$99,999 |
Amount delinquent:
| $0 |
Bankcard utilization:
| 41% | | |
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| Yes | | |
Delinquencies in last 7y:
| 0 | | | | |
Screen name:
| wvmustang |
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
paving driveway
Purpose of loan:
This loan will be used to?
pave driveway to house that was built in 2006.? Approximately 1000 feet up a hill plus large area at top of hill for parking.? A bid from? local contractor priced at $17,820.00.? The house is a 3 story house appraised by county tax dept in Dec 2009 at $314,800.00 with a first mortgage of about $260,000.00 remaining.?
My financial situation:
I am a good candidate for this loan because?i have been practicing in this area for more than 10 years. i have not been behind or delinquent? on any payment either secured or unsecured.? Even though the economy took a down turn our business has? maintained steady and constant growth.? we are fortunate in the fact that very little competition exists for optometrist? in our area.? To keep cost at a minimum my wife and i work the office with the help of only one part time employee who works 2 days a week.?
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
461297
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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:
| 16.98% - 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-2005 |
Debt/Income ratio:
| 44% |
Basic (1-10):
| 5 |
Inquiries last 6m:
| 0 | Employment status: | Full-time employee |
Enhanced (1-5): | 4 |
Current / open credit lines:
| 8
/
8 | Length of status: | 1y 4m |
Credit score:
| 640-659 (Jun-2010) |
Total credit lines:
| 11 |
Occupation: | Military Enlisted |
Now delinquent:
| 0 |
Revolving credit balance:
| $7,407 | Stated income: | $1-$24,999 |
Amount delinquent:
| $0 |
Bankcard utilization:
| 87% | | |
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| No | | |
Delinquencies in last 7y:
| 0 | | | | |
Screen name:
| revenue-captain9 |
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
E4 USN : Credit Card pay-off
Purpose of loan:
This loan will be used to help pay-off/consolidate credit card debt.
My financial situation:
I am a good candidate for this loan because I have good credit and?a stable job in the USN.?
Monthly net income: $ 1,889.70
Monthly expenses: $
??Housing: $ 0
??Insurance: $ 154
??Car expenses: $?233.46
??Utilities: $ 0
??Phone, cable, internet: $?109.03
??Food, entertainment: $ 0
??Clothing, household expenses $
??Credit cards and other loans: $ 8000
??Other expenses: $ 200
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
461315
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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:
| 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:
| $1,130.90 |
|
Auction yield range:
| 13.98% - 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:
| Feb-1996 |
Debt/Income ratio:
| 39% |
Basic (1-10):
| 6 |
Inquiries last 6m:
| 1 | Employment status: | Full-time employee |
Enhanced (1-5): | 3 |
Current / open credit lines:
| 17
/
17 | Length of status: | 11y 1m |
Credit score:
| 680-699 (Jun-2010) |
Total credit lines:
| 46 |
Occupation: | Executive |
Now delinquent:
| 0 |
Revolving credit balance:
| $88,327 | Stated income: | $75,000-$99,999 |
Amount delinquent:
| $0 |
Bankcard utilization:
| 78% | | |
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| Yes | | |
Delinquencies in last 7y:
| 0 | | | | |
Screen name:
| friendly-credit5 |
Borrower's state:
| NorthCarolina |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Description
Pay off credit cards
Purpose of loan:
Pay off some credit cards????????
My financial situation:
I pay?my bills on time and need ?to reduce my monthy payments????
Monthly net income: $ 4350
Monthly expenses: $
??Housing: $ 1600
??Insurance: $ 200
??Car expenses: $ 671
??Utilities: $
??Phone, cable, internet: $ 60????
??Food, entertainment: $ 150
??Clothing, household expenses $
??Credit cards and other loans: $ 800
??Other expenses: $
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
461321
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount:
| $11,000.00 |
Prosper Rating:
| HR |
Auction Duration:
| 7 days
|
Term:
| 36 months |
Estimated loss:
| 34.5% | | |
| | |
|
Starting lender yield:
| 34.00% |
Starting borrower rate/APR:
| 35.00% / 37.45% |
Starting monthly payment:
| $497.60 |
|
Auction yield range:
| 16.98% - 34.00% |
Estimated loss impact:
| 36.51% | | |
Lender servicing fee:
| 1.00% |
Estimated return:
| -2.51% | | |
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper scores:
| |
First credit line:
| Oct-1992 |
Debt/Income ratio:
| 48% |
Basic (1-10):
| 1 |
Inquiries last 6m:
| 0 | Employment status: | Full-time employee |
Enhanced (1-5): | 3 |
Current / open credit lines:
| 6
/
5 | Length of status: | 10y 5m |
Credit score:
| 640-659 (Jun-2010) |
Total credit lines:
| 17 |
Occupation: | Analyst |
Now delinquent:
| 1 |
Revolving credit balance:
| $10,470 | Stated income: | $25,000-$49,999 |
Amount delinquent:
| $678 |
Bankcard utilization:
| 99% | | |
Public records last 12m / 10y:
| 0/ 1 |
Homeownership:
| No | | |
Delinquencies in last 7y:
| 0 | | | | |
Screen name:
| dynamic-dollar4 |
Borrower's state:
| NewHampshire |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Description
GARAGE,ROOFING,SIDING
Purpose of loan:
This loan will be used to? REROOF AND RESIDE MY TWO CAR GARAGE, CONTRARY TO ABOVE INFORMATION?I AM A HOME OWNER of this property appraised at approximately $234,000.00 with no payments.?
My financial situation:
I am a good candidate for this loan because? I am a older responsible person with a good secure?job and good work record.
Monthly net income: $ 2208.08
Monthly expenses: $
??Housing: $ zero
??Insurance: $ 38.00 per month?
??Car expenses: $ 227.00
??Utilities: $?54.00
??Phone, cable, internet: $ 130.00
??Food, entertainment: $?180.00
??Clothing, household expenses $ minimal at my age
??Credit cards and other loans: $ 595.00
??Other expenses: $ zero
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
461327
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount:
| $1,000.00 |
Prosper Rating:
| D |
Auction Duration:
| 7 days
|
Term:
| 36 months |
Estimated loss:
| 10.0% | | |
| | |
|
Starting lender yield:
| 31.70% |
Starting borrower rate/APR:
| 32.70% / 36.79% |
Starting monthly payment:
| $43.94 |
|
Auction yield range:
| 10.98% - 31.70% |
Estimated loss impact:
| 10.80% | | |
Lender servicing fee:
| 1.00% |
Estimated return:
| 20.90% | | |
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper scores:
| |
First credit line:
| Apr-1998 |
Debt/Income ratio:
| Not calculated |
Basic (1-10):
| 7 |
Inquiries last 6m:
| 1 | Employment status: | Retired |
Enhanced (1-5): | 3 |
Current / open credit lines:
| 4
/
3 | Length of status: | 3y 8m |
Credit score:
| 740-759 (Jun-2010) |
Total credit lines:
| 25 | Stated income: | $25,000-$49,999 |
Now delinquent:
| 2 |
Revolving credit balance:
| $384 | |
Amount delinquent:
| $21,369 |
Bankcard utilization:
| 12% | | |
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| No | | |
Delinquencies in last 7y:
| 11 | | | | |
Screen name:
| respectful-kindness1 |
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
Increase Credit Score
Purpose of loan:
This loan will be used to Improve my credit score
My financial situation:
I am a good candidate for this loan because I have finally realized that my credit score is important and I need to fix it.? I have had delinquencies in the past because of lending people money, getting a house for my family AND moving to Michigan in the real estate slum.? Poeple took advantage of me and now I am trying to make a difference.
Delinquencies Monthly net income: $ 0
Monthly expenses: $
??Housing: $ 943?
? Insurance: $50
??Car expenses: $ 571
??Utilities: $ 40
??Phone, cable, internet: $ 60
??Food, entertainment: $
??Clothing, household expenses $
??Credit cards and other loans: $
??Other expenses: $
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
461329
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount:
| $1,500.00 |
Prosper Rating:
| HR |
Auction Duration:
| 7 days
|
Term:
| 36 months |
Estimated loss:
| 25.0% | | |
| | |
|
Starting lender yield:
| 34.00% |
Starting borrower rate/APR:
| 35.00% / 37.73% |
Starting monthly payment:
| $67.85 |
|
Auction yield range:
| 16.98% - 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-1989 |
Debt/Income ratio:
| 11% |
Basic (1-10):
| 3 |
Inquiries last 6m:
| 9 | Employment status: | Full-time employee |
Enhanced (1-5): | 2 |
Current / open credit lines:
| 8
/
7 | Length of status: | 0y 3m |
Credit score:
| 640-659 (May-2010) |
Total credit lines:
| 14 |
Occupation: | Computer Programmer |
Now delinquent:
| 2 |
Revolving credit balance:
| $378 | Stated income: | $100,000+ |
Amount delinquent:
| $43,438 |
Bankcard utilization:
| 29% | | |
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| No | | |
Delinquencies in last 7y:
| 0 | | | | |
Screen name:
| perivorian |
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
Repairing childs communication sys
Purpose of loan:
This loan will be used to repair a portable device used by my child to help her communicate, she is unable to talk without the device.
The device has broken unexpectedly.
My financial situation:
I am a good candidate for this loan because I have a very high salary and have worked in the same industry for 15 years.
Monthly net income: $
9000
Monthly expenses: $ 4800
??Housing: $
850
??Insurance: $ 200
??Car expenses: $ 250
??Utilities: $
1500
??Phone, cable, internet: $
400
??Food, entertainment: $500
??Clothing, household expenses $
300
??Credit cards and other loans: $
300
??Other expenses: $ 500
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
461333
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount:
| $10,000.00 |
Prosper Rating:
| AA |
Auction Duration:
| 7 days
|
Term:
| 36 months |
Estimated loss:
| 1.5% | | |
| | |
|
Starting lender yield:
| 9.00% |
Starting borrower rate/APR:
| 10.00% / 10.34% |
Starting monthly payment:
| $322.67 |
|
Auction yield range:
| 2.98% - 9.00% |
Estimated loss impact:
| 1.51% | | |
Lender servicing fee:
| 1.00% |
Estimated return:
| 7.49% | | |
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:
| Oct-1998 |
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:
| 6
/
6 | Length of status: | 3y 8m |
Credit score:
| 800-819 (Jun-2010) |
Total credit lines:
| 23 |
Occupation: | Engineer - Mechanic... |
Now delinquent:
| 0 |
Revolving credit balance:
| $1,589 | Stated income: | $50,000-$74,999 |
Amount delinquent:
| $0 |
Bankcard utilization:
| 3% | | |
Public records last 12m / 10y:
| 0/ 1 |
Homeownership:
| Yes | | |
Delinquencies in last 7y:
| 0 | | | | |
Screen name:
| jonnydclark |
Borrower's state:
| NorthCarolina |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Description
Buying a 5 year old business
The proceeds of this loan will be used to purchase an existing web based business with inventory. The business has been growing since it started in 2005 and currently makes ~ $40k / year as a part time operation. I bought a directory website in 2009 and have netted $22k in the first 12 months of ownership. I live off my salary as an engineer and reinvest all income from the website and will continue to do this until the loan is paid off. The total purchase price of the business is $60k and I have cash for most of it. I have credit available on credit cards but as you can see I don't carry a balance and would like to keep it that way. Feel free to ask any questions.
I have loaned to prosper borrowers in the past and currently have ~ $300 in principal active.
This loan will be paid back in ~ 6 months from the proceeds of the business.
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
461335
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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:
| 10.98% - 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:
| Aug-1998 |
Debt/Income ratio:
| 25% |
Basic (1-10):
| 8 |
Inquiries last 6m:
| 0 | Employment status: | Full-time employee |
Enhanced (1-5): | 5 |
Current / open credit lines:
| 8
/
4 | Length of status: | 3y 0m |
Credit score:
| 660-679 (Jun-2010) |
Total credit lines:
| 18 |
Occupation: | Professional |
Now delinquent:
| 0 |
Revolving credit balance:
| $5,402 | 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:
| catcatny |
Borrower's state:
| NewJersey |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan history | Payment history | Credit score history |
Active / total loans:
| 1 / 2 |
On-time:
| 42 ( 100% )
| 660-679 (Latest)
|
Principal borrowed:
| $5,500.00 | < 31 days late:
| 0
( 0% )
| 660-679
(Jul-2009)
680-699
(Sep-2007)
|
Principal balance:
| $1,187.82 |
31+ days late:
| 0
( 0% )
|
Total payments billed:
| 42 | | |
Description
Buying a Used Car
Purpose of loan:
This loan will be used to buy a used car in cash.
My financial situation:
I am a good candidate for this loan because I am responsible with my money.? I was able to finish my first prosper loan 2 weeks ago and payments were paid on time with no problem.
Monthly net income: $ 3200.
Monthly expenses: $
??Housing: $ 1,125.00
??Insurance: $
??Car expenses: $
??Utilities: $ 40.00
??Phone, cable, internet: $ 200.00
??Food, entertainment: $?300.00
??Clothing, household expenses $?100.00
??Credit cards and other loans: $ 600.00
??Other expenses: $
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
461357
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount:
| $3,500.00 |
Prosper Rating:
| HR |
Auction Duration:
| 7 days
|
Term:
| 36 months |
Estimated loss:
| 18.0% | | |
| | |
|
Starting lender yield:
| 34.00% |
Starting borrower rate/APR:
| 35.00% / 37.45% |
Starting monthly payment:
| $158.33 |
|
Auction yield range:
| 16.98% - 34.00% |
Estimated loss impact:
| 20.01% | | |
Lender servicing fee:
| 1.00% |
Estimated return:
| 13.99% | | |
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper scores:
| |
First credit line:
| Dec-1976 |
Debt/Income ratio:
| 85% |
Basic (1-10):
| 4 |
Inquiries last 6m:
| 1 | Employment status: | Retired |
Enhanced (1-5): | 2 |
Current / open credit lines:
| 7
/
6 | Length of status: | 9y 11m |
Credit score:
| 680-699 (Jun-2010) |
Total credit lines:
| 19 | Stated income: | $1-$24,999 |
Now delinquent:
| 6 |
Revolving credit balance:
| $7,941 | |
Amount delinquent:
| $1,333 |
Bankcard utilization:
| 64% | | |
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| No | | |
Delinquencies in last 7y:
| 0 | | | | |
Screen name:
| hickory22972 |
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
no more debt
Purpose of loan:
This loan will be used to take care of small debt????????????
My financial situation:
I am a good candidate for this loan because, I own my own home, and have income left over each month, totalling 400...
Monthly net income: $ 1032
Monthly expenses: $
??Housing: $ 0
??Insurance: $ 192
??Car expenses: $ 0
??Utilities: $?150
??Phone, cable, internet: $ 30
??Food, entertainment: $ 75
??Clothing, household expenses $?40
??Credit cards and other loans: $ 50
??Other expenses: $
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
461359
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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:
| 20.00% |
Starting borrower rate/APR:
| 21.00% / 23.25% |
Starting monthly payment:
| $357.91 |
|
Auction yield range:
| 10.98% - 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-2000 |
Debt/Income ratio:
| 14% |
Basic (1-10):
| 6 |
Inquiries last 6m:
| 3 | Employment status: | Full-time employee |
Enhanced (1-5): | 5 |
Current / open credit lines:
| 10
/
10 | Length of status: | 5y 0m |
Credit score:
| 740-759 (Jun-2010) |
Total credit lines:
| 18 |
Occupation: | Accountant/CPA |
Now delinquent:
| 0 |
Revolving credit balance:
| $430 | Stated income: | $50,000-$74,999 |
Amount delinquent:
| $0 |
Bankcard utilization:
| 5% | | |
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| No | | |
Delinquencies in last 7y:
| 3 | | | | |
Screen name:
| yorktur1966 |
Borrower's state:
| Pennsylvania |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan history | Payment history | Credit score history |
Active / total loans:
| 0 / 1 |
On-time:
| 4 ( 100% )
| 740-759 (Latest)
|
Principal borrowed:
| $9,000.00 | < 31 days late:
| 0
( 0% )
| 700-719
(Jan-2010)
|
Principal balance:
| $0.00 |
31+ days late:
| 0
( 0% )
|
Total payments billed:
| 4 | | |
Description
School/Computer
Purpose of loan:
This loan will be used?for the following. First?finance my school tuition at wgu.edu. I am enrolled to a complete a second degree in Programming. The fees?will be 7,500,?Secondly 2,000- 3000?will be spent to?buy a computer?that?has?excellent processing power for me to effectively do practical programming.?Lenders please take note my first loan was paid in full without any late payments. However with this loan if funded, complete payment will be from 24 to 30 months. I am in a better position finanically as of the beginning?of the year. There are no credit cards balances and I now have an IRA of 4,500, All this was possible if you were to read my previous listing due to the fact of a very good year doing taxes and Jackson Hewitt.
My monthly net income is 3,200.
Rent 1,100
Cable/phone/Water/Electricity 400.
Groceries 600
Car insurance 76
Social Activities 400.00
There are no?car payments
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
461369
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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:
| 10.98% |
Starting borrower rate/APR:
| 11.98% / 14.11% |
Starting monthly payment:
| $298.84 |
|
Auction yield range:
| 10.98% - 10.98% |
Estimated loss impact:
| 10.23% | | |
Lender servicing fee:
| 1.00% |
Estimated return:
| 0.75% | | |
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:
| Aug-1993 |
Debt/Income ratio:
| 37% |
Basic (1-10):
| 6 |
Inquiries last 6m:
| 3 | Employment status: | Full-time employee |
Enhanced (1-5): | 1 |
Current / open credit lines:
| 15
/
14 | Length of status: | 23y 5m |
Credit score:
| 740-759 (Jun-2010) |
Total credit lines:
| 35 |
Occupation: | Analyst |
Now delinquent:
| 0 |
Revolving credit balance:
| $32,619 | Stated income: | $25,000-$49,999 |
Amount delinquent:
| $0 |
Bankcard utilization:
| 58% | | |
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| Yes | | |
Delinquencies in last 7y:
| 0 | | | | |
Screen name:
| fairness-igloo1 |
Borrower's state:
| Florida |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan history | Payment history | Credit score history |
Active / total loans:
| 1 / 1 |
On-time:
| 8 ( 100% )
| 740-759 (Latest)
|
Principal borrowed:
| $10,000.00 | < 31 days late:
| 0
( 0% )
| 760-779
(Aug-2009)
|
Principal balance:
| $7,727.05 |
31+ days late:
| 0
( 0% )
|
Total payments billed:
| 8 | | |
Description
Paying Off Existing Loan
Purpose of loan:
This loan will be used to?Pay Off?Balance Of Existing Loan And Lower Monthly Payment.
My financial situation:
I am a good candidate for this loan because?
(See payment history on first loan)
Monthly net income: $ 5,300 * (Does not include upcoming internet ventures)
Monthly expenses: $
??Housing: $ 1811
??Insurance: $ 96
??Car expenses: $ 100
??Utilities: $ 230
??Phone, cable, internet: $ 208
??Food, entertainment: $ 500
??Clothing, household expenses $ 50
??Credit cards and other loans: $ 1100 *
??Other expenses: $ 100
* (Have steady employment, so I can borrow from 401-K up to $24,000 to cover budget gaps)
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
461371
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount:
| $25,000.00 |
Prosper Rating:
| HR |
Auction Duration:
| 7 days
|
Term:
| 36 months |
Estimated loss:
| 34.5% | | |
| | |
|
Starting lender yield:
| 34.00% |
Starting borrower rate/APR:
| 35.00% / 37.45% |
Starting monthly payment:
| $1,130.90 |
|
Auction yield range:
| 16.98% - 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:
| Feb-1998 |
Debt/Income ratio:
| 41% |
Basic (1-10):
| 1 |
Inquiries last 6m:
| 2 | Employment status: | Full-time employee |
Enhanced (1-5): | 2 |
Current / open credit lines:
| 8
/
7 | Length of status: | 2y 8m |
Credit score:
| 640-659 (Jun-2010) |
Total credit lines:
| 21 |
Occupation: | Professional |
Now delinquent:
| 0 |
Revolving credit balance:
| $13,779 | Stated income: | $50,000-$74,999 |
Amount delinquent:
| $0 |
Bankcard utilization:
| 101% | | |
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| No | | |
Delinquencies in last 7y:
| 0 | | | | |
Screen name:
| valiant-openness352 |
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
DEBT FREE
Purpose of loan:
This loan is to consolidate my debts into 1 monthly payment. Currently with the payments I have it makes it difficult to get ahead on debts, so I'm applying to get this debt cosolidation loan to combine them all, close the accounts and make the 1 monthly payment a month at 1 percentage rate versus making multiple payments a month at multiple percentage rates. Also, with this loan, it would free up finances to pay this loan back quicker with the ability to pay more then just minimum monthly amount. I am currently making payments of $100 to one account, $500 to another, $150 to another, $100 to another, and so on. I'm hoping to fix that with this loan if it gets fully funded. If my loan gets fully funded then I will be able to make the monthly payment with no problems, and add funding to the payment to pay it off quicker. Instead of paying $800 to $1000 in bills a month barely making any progress on bringing the balance down to become debt free, I???d be able to pay that amount towards one bill a month and get closer every month to becoming debt free! If my loan does not get fully funded, then I may cancel it depending on the level it is at. I applied for this loan to help me become debt free, but if it does not get fully funded then it will not help me reach that goal effectively. I appreciate all that invest in my loan, and look forward to the possibility of having my loan fully funded giving me the chance to do business with you and helping me reach my goal of being debt free!
My financial situation:
I am a good candidate for this loan because I make sure I set the money aside to make my payments on time if not ahead of time.?
Monthly net income: $ 3200
Monthly expenses: $
??Housing: $0
??Insurance: $245
??Car expenses: $ 880
??Utilities: $ 0
??Phone, cable, internet: $ 130
??Food, entertainment: $0
??Clothing, household expenses $0
??Credit cards and other loans: $1200
??Other expenses: $
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
461377
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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:
| C |
Auction Duration:
| 7 days
|
Term:
| 36 months |
Estimated loss:
| 6.2% | | |
| | |
|
Starting lender yield:
| 18.53% |
Starting borrower rate/APR:
| 19.53% / 21.76% |
Starting monthly payment:
| $265.86 |
|
Auction yield range:
| 7.98% - 18.53% |
Estimated loss impact:
| 6.63% | | |
Lender servicing fee:
| 1.00% |
Estimated return:
| 11.90% | | |
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper scores:
| |
First credit line:
| Mar-1989 |
Debt/Income ratio:
| Not calculated |
Basic (1-10):
| 5 |
Inquiries last 6m:
| 0 | Employment status: | Full-time employee |
Enhanced (1-5): | 5 |
Current / open credit lines:
| 5
/
5 | Length of status: | 11y 10m |
Credit score:
| 800-819 (Jun-2010) |
Total credit lines:
| 13 |
Occupation: | Teacher |
Now delinquent:
| 0 |
Revolving credit balance:
| $5,161 | Stated income: | $75,000-$99,999 |
Amount delinquent:
| $0 |
Bankcard utilization:
| 41% | | |
Public records last 12m / 10y:
| 0/ 1 |
Homeownership:
| Yes | | |
Delinquencies in last 7y:
| 0 | | | | |
Screen name:
| MGM23 |
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:
| 1 / 1 |
On-time:
| 23 ( 100% )
| 800-819 (Latest)
|
Principal borrowed:
| $8,000.00 | < 31 days late:
| 0
( 0% )
| 820-839
(Jun-2008)
|
Principal balance:
| $3,182.00 |
31+ days late:
| 0
( 0% )
|
Total payments billed:
| 23 | | |
Description
Cash Flow for Existing Family Busin
Purpose of loan:
This loan will be used to? create cash flow for existing family business as we proceed with a minor expansion.? Expanding business in order to compensate for increased expenses due to 2 children?attending college.
My financial situation:
I am a good candidate for this loan because? we are an honest and and hard-working family.?
Monthly net income: $ 8900
Monthly expenses: $
??Housing: $ 2700
??Insurance: $ 350
??Car expenses: $ 525
??Utilities: $ 350
??Phone, cable, internet: $ 300
??Food, entertainment: $?725??
? Clothing, household expenses $?840
??Credit cards and other loans: $ 450
??Other expenses: $ 150
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
461383
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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:
| E |
Auction Duration:
| 7 days
|
Term:
| 36 months |
Estimated loss:
| 14.0% | | |
| | |
|
Starting lender yield:
| 33.28% |
Starting borrower rate/APR:
| 34.28% / 36.72% |
Starting monthly payment:
| $156.90 |
|
Auction yield range:
| 13.98% - 33.28% |
Estimated loss impact:
| 15.53% | | |
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:
| Oct-1998 |
Debt/Income ratio:
| 16% |
Basic (1-10):
| 6 |
Inquiries last 6m:
| 3 | Employment status: | Full-time employee |
Enhanced (1-5): | 4 |
Current / open credit lines:
| 9
/
8 | Length of status: | 12y 10m |
Credit score:
| 660-679 (May-2010) |
Total credit lines:
| 28 |
Occupation: | Other |
Now delinquent:
| 0 |
Revolving credit balance:
| $2,471 | Stated income: | $25,000-$49,999 |
Amount delinquent:
| $0 |
Bankcard utilization:
| 49% | | |
Public records last 12m / 10y:
| 0/ 2 |
Homeownership:
| No | | |
Delinquencies in last 7y:
| 14 | | | | |
Screen name:
| virtuous-community2 |
Borrower's state:
| California |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Description
Debt Consolidation
Purpose of loan:
This loan will be used to?
The purpose for this loan is pays off my credit card debt about $3500.? Even though I have not had a late payment in 4+ years, when the financial world changed a few years back, my credit card interest rates all jumped to 25-27%.? I always make more than the minimum payments; however,?with these high rates it will take 3-4+ years before I'm debt free.? I have?pretty good credit and am not interested in working with a debt consolidation program as?I know not all?are reputable.? Additionally,?taking that route will have an adverse impact on my credit score.
My financial situation:
I am a good candidate for this loan because?
I am a good candidate for this loan because I can still make the payments with the ridiculous APR (one at 19.9%, one at 24.49%); I would just rather get a lower interest rate to pay the loan off quicker. I am also?a good candidate for this loan because I?have a very secure job, even in this not so secure market.? I have worked with my current employer for just shy of?14 years.?Additionally, I have taken a second job (seasonal or short term) when needed.? I do whatever is necessary to meet my obligations and responsibilities.? Finally, I?m not a spender, and live a more minimal life style.? I have had some medical issues in the past that have been resolved, but did affect my credit at the time.? I had to have a surgery that was not covered by my medical insurance. ?I took out some loans to pay for the surgery, and unfortunately, I was out of work longer that I anticipated, (1year) was not able to pay back the loans that I took for the surgery. And had to?claim a medical bankruptcy. Did I like that I was unable to pay back the loans and had to claim bankruptcy, no, but in the end, my health was suffering and I needed to have the surgery.Monthly net income: $
2000.00-2200.00
Monthly expenses: $
??Housing: $ 300
??Insurance: $ 90????
??Car expenses: $ 389
??Utilities: $
??Phone, cable, internet: $ 180
??Food, entertainment: $ 300
??Clothing, household expenses $
??Credit cards and other loans: $ 100
??Other expenses: $ 225
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
461387
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount:
| $1,000.00 |
Prosper Rating:
| AA |
Auction Duration:
| 7 days
|
Term:
| 36 months |
Estimated loss:
| 0.6% | | |
| | |
|
Starting lender yield:
| 6.13% |
Starting borrower rate/APR:
| 7.13% / 7.47% |
Starting monthly payment:
| $30.94 |
|
Auction yield range:
| 2.98% - 6.13% |
Estimated loss impact:
| 0.60% | | |
Lender servicing fee:
| 1.00% |
Estimated return:
| 5.53% | | |
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper scores:
| |
First credit line:
| Feb-1990 |
Debt/Income ratio:
| 21% |
Basic (1-10):
| 10 |
Inquiries last 6m:
| 0 | Employment status: | Full-time employee |
Enhanced (1-5): | 3 |
Current / open credit lines:
| 9
/
7 | Length of status: | 4y 2m |
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
461389
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount:
| $20,000.00 |
Prosper Rating:
| HR |
Auction Duration:
| 7 days
|
Term:
| 36 months |
Estimated loss:
| 18.0% | | |
| | |
|
Starting lender yield:
| 17.00% |
Starting borrower rate/APR:
| 18.00% / 20.21% |
Starting monthly payment:
| $723.05 |
|
Auction yield range:
| 16.98% - 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:
| Mar-2002 |
Debt/Income ratio:
| Self-employed (DTI Not Calculated) |
Basic (1-10):
| 2 |
Inquiries last 6m:
| 3 | Employment status: | Self-employed |
Enhanced (1-5): | 3 |
Current / open credit lines:
| 11
/
11 | Length of status: | 4y 1m |
Credit score:
| 760-779 (Jun-2010) |
Total credit lines:
| 24 |
Occupation: | Car Dealer |
Now delinquent:
| 1 |
Revolving credit balance:
| $8,566 | Stated income: | $50,000-$74,999 |
Amount delinquent:
| $0 |
Bankcard utilization:
| 29% | | |
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| Yes | | |
Delinquencies in last 7y:
| 14 | | | | |
Screen name:
| deal-silo |
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
CAR DEALER/EXPORTER PARTS
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
461393
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount:
| $7,000.00 |
Prosper Rating:
| C |
Auction Duration:
| 7 days
|
Term:
| 36 months |
Estimated loss:
| 7.0% | | |
| | |
|
Starting lender yield:
| 8.90% |
Starting borrower rate/APR:
| 9.90% / 12.01% |
Starting monthly payment:
| $225.54 |
|
Auction yield range:
| 7.98% - 8.90% |
Estimated loss impact:
| 7.18% | | |
Lender servicing fee:
| 1.00% |
Estimated return:
| 1.72% | | |
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper scores:
| |
First credit line:
| Jul-1996 |
Debt/Income ratio:
| 20% |
Basic (1-10):
| 7 |
Inquiries last 6m:
| 1 | Employment status: | Full-time employee |
Enhanced (1-5): | 5 |
Current / open credit lines:
| 23
/
19 | Length of status: | 7y 3m |
Credit score:
| 780-799 (Jun-2010) |
Total credit lines:
| 43 |
Occupation: | Military Enlisted |
Now delinquent:
| 0 |
Revolving credit balance:
| $16,923 | Stated income: | $50,000-$74,999 |
Amount delinquent:
| $0 |
Bankcard utilization:
| 29% | | |
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| Yes | | |
Delinquencies in last 7y:
| 0 | | | | |
Screen name:
| exponential-platinum8 |
Borrower's state:
| Washington |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Description
Paying Personal Loan Off!
Purpose of loan:
I am requesting a loan to payoff a 7000$ loan that I took out from a family member.? That family member is in a financial place where they need the money they lent me to be repaid sooner than?originally planned.? This loan will be used to payoff a personal loan at a low monthly fixed interest rate.?
My financial situation:
I am a good candidate for this loan because I always pay my debts, on time and as agreed.? I have excellent credit and am responsible and reliable.? I have never made a late payment or defaulted in any way to a creditor and never will.? I am active duty US Navy and have a reliable source of income.?
Monthly net income: $
5500
Monthly expenses: $
??Housing:?2100
??Insurance:?85?
??Car expenses:?299?
??Utilities:?50
??Phone, cable, internet:?100?
??Food, entertainment:?375
??Clothing, household expenses?25?
??Credit cards and other loans:?430
??Other expenses: $
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
461407
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount:
| $2,500.00 |
Prosper Rating:
| D |
Auction Duration:
| 7 days
|
Term:
| 36 months |
Estimated loss:
| 10.0% | | |
| | |
|
Starting lender yield:
| 25.25% |
Starting borrower rate/APR:
| 26.25% / 28.57% |
Starting monthly payment:
| $101.06 |
|
Auction yield range:
| 10.98% - 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:
| Jun-1993 |
Debt/Income ratio:
| 41% |
Basic (1-10):
| 8 |
Inquiries last 6m:
| 0 | Employment status: | Full-time employee |
Enhanced (1-5): | 4 |
Current / open credit lines:
| 9
/
8 | Length of status: | 2y 0m |
Credit score:
| 660-679 (May-2010) |
Total credit lines:
| 55 |
Occupation: | Other |
Now delinquent:
| 0 |
Revolving credit balance:
| $12,484 | 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:
| hope-sergeant8 |
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
Start Small 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
461413
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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:
| 16.98% - 34.00% |
Estimated loss impact:
| 20.01% | | |
Lender servicing fee:
| 1.00% |
Estimated return:
| 13.99% | | |
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper scores:
| |
First credit line:
| Nov-2001 |
Debt/Income ratio:
| Self-employed (DTI Not Calculated) |
Basic (1-10):
| 3 |
Inquiries last 6m:
| 0 | Employment status: | Self-employed |
Enhanced (1-5): | 4 |
Current / open credit lines:
| 3
/
3 | Length of status: | 6y 3m |
Credit score:
| 700-719 (Jun-2010) |
Total credit lines:
| 27 |
Occupation: | Truck Driver |
Now delinquent:
| 1 |
Revolving credit balance:
| $368 | Stated income: | $50,000-$74,999 |
Amount delinquent:
| $376 |
Bankcard utilization:
| 36% | | |
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| No | | |
Delinquencies in last 7y:
| 3 | | | | |
Screen name:
| doubledtrucker |
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
small loan consolidation
Purpose of loan:
This loan will be used to consolidate all small loans that I have.
My financial situation:
I am a good candidate for this loan because I have paid off loans in the past
Monthly net income: $5000
Monthly expenses: $
??Housing: $450
??Insurance: $800
??Car expenses: $
??Utilities: $ 150
??Phone, cable, internet: $90
??Food, entertainment: $100
??Clothing, household expenses $
??Credit cards and other loans: $500
??Other expenses: $
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
461417
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount:
| $2,000.00 |
Prosper Rating:
| D |
Auction Duration:
| 7 days
|
Term:
| 36 months |
Estimated loss:
| 10.0% | | |
| | |
|
Starting lender yield:
| 25.38% |
Starting borrower rate/APR:
| 26.38% / 28.71% |
Starting monthly payment:
| $80.99 |
|
Auction yield range:
| 10.98% - 25.38% |
Estimated loss impact:
| 10.63% | | |
Lender servicing fee:
| 1.00% |
Estimated return:
| 14.75% | | |
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:
| Feb-1998 |
Debt/Income ratio:
| 38% |
Basic (1-10):
| 7 |
Inquiries last 6m:
| 0 | Employment status: | Full-time employee |
Enhanced (1-5): | 2 |
Current / open credit lines:
| 14
/
14 | Length of status: | 13y 11m |
Credit score:
| 660-679 (May-2010) |
Total credit lines:
| 25 |
Occupation: | Other |
Now delinquent:
| 1 |
Revolving credit balance:
| $52,433 | Stated income: | $25,000-$49,999 |
Amount delinquent:
| $762 |
Bankcard utilization:
| 92% | | |
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| Yes | | |
Delinquencies in last 7y:
| 0 | | | | |
Screen name:
| funds-cluster |
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
Payoff awful payday loans
Purpose of loan:
This loan will be used to?
?Pay off horrible payday loans!
Monthly net income: $
2,800
Monthly expenses: $
??Housing: $ 1,000
??Insurance: $ 646 --yearly
??Car expenses: $ gas--- 120
??Utilities: $ 200
??Phone, cable, internet: $ 120
??Food, entertainment: $ 100
??Clothing, household expenses $ 50
??Credit cards and other loans: $ 500
??Other expenses: $
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
461419
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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:
| 13.98% - 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:
| May-2006 |
Debt/Income ratio:
| 11% |
Basic (1-10):
| 6 |
Inquiries last 6m:
| 0 | Employment status: | Part-time employee |
Enhanced (1-5): | 5 |
Current / open credit lines:
| 6
/
5 | Length of status: | 5y 5m |
Credit score:
| 600-619 (Jun-2010) |
Total credit lines:
| 15 |
Occupation: | Student - College J... |
Now delinquent:
| 0 |
Revolving credit balance:
| $4,747 | 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:
| farhadakhgar |
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:
| 16 ( 100% )
| 600-619 (Latest)
|
Principal borrowed:
| $5,000.00 | < 31 days late:
| 0
( 0% )
| 600-619
(Mar-2008)
620-639
(Apr-2007)
640-659
(Mar-2007)
|
Principal balance:
| $0.00 |
31+ days late:
| 0
( 0% )
|
Total payments billed:
| 16 | | |
Description
Paying for educational expenses
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: $ 550.00
??Insurance: $43.00
??Car expenses: $0
??Utilities: $85
??Phone, cable, internet: $110.00
??Food, entertainment: $350
??Clothing, household expenses $0
??Credit cards and other loans: $120.00
??Other expenses: $0
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
461429
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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:
| 8.0% | | |
| | |
|
Starting lender yield:
| 19.00% |
Starting borrower rate/APR:
| 20.00% / 22.24% |
Starting monthly payment:
| $185.82 |
|
Auction yield range:
| 7.98% - 19.00% |
Estimated loss impact:
| 8.44% | | |
Lender servicing fee:
| 1.00% |
Estimated return:
| 10.56% | | |
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper scores:
| |
First credit line:
| Nov-2001 |
Debt/Income ratio:
| 14% |
Basic (1-10):
| 8 |
Inquiries last 6m:
| 1 | Employment status: | Full-time employee |
Enhanced (1-5): | 5 |
Current / open credit lines:
| 6
/
6 | Length of status: | 15y 9m |
Credit score:
| 720-739 (May-2010) |
Total credit lines:
| 13 |
Occupation: | Tradesman - Mechani... |
Now delinquent:
| 0 |
Revolving credit balance:
| $14,884 | Stated income: | $50,000-$74,999 |
Amount delinquent:
| $0 |
Bankcard utilization:
| 80% | | |
Public records last 12m / 10y:
| 0/ 1 |
Homeownership:
| Yes | | |
Delinquencies in last 7y:
| 0 | | | | |
Screen name:
| dn0337 |
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.
Prosper Activity
Loan history | Payment history | Credit score history |
Active / total loans:
| 0 / 1 |
On-time:
| 19 ( 100% )
| 720-739 (Latest)
|
Principal borrowed:
| $2,500.00 | < 31 days late:
| 0
( 0% )
| 640-659
(May-2008)
|
Principal balance:
| $0.01 |
31+ days late:
| 0
( 0% )
|
Total payments billed:
| 19 | | |
Description
My loan for debt consolidation
Purpose of loan:
This loan will be used to high interest credit cards
My financial situation:
I am a good candidate for this loan because i have good income and pay all my bills on time
Monthly net income: $ 4000
Monthly expenses: $
??Housing: $ 864.00
??Insurance: $ 60.00
??Car expenses: $ 150.00
??Utilities: $ 80.00
??Phone, cable, internet: $ 35.00
??Food, entertainment: $ 150.00
??Clothing, household expenses $ 100.00
??Credit cards and other loans: $ 400.00
??Other expenses: $ 100.00
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
461431
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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:
| 16.98% - 34.00% |
Estimated loss impact:
| 20.01% | | |
Lender servicing fee:
| 1.00% |
Estimated return:
| 13.99% | | |
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper scores:
| |
First credit line:
| Dec-2006 |
Debt/Income ratio:
| 16% |
Basic (1-10):
| 5 |
Inquiries last 6m:
| 2 | Employment status: | Full-time employee |
Enhanced (1-5): | 3 |
Current / open credit lines:
| 5
/
4 | Length of status: | 3y 1m |
Credit score:
| 640-659 (Jun-2010) |
Total credit lines:
| 6 |
Occupation: | Police Officer/Corr... |
Now delinquent:
| 0 |
Revolving credit balance:
| $4,743 | Stated income: | $25,000-$49,999 |
Amount delinquent:
| $0 |
Bankcard utilization:
| 92% | | |
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| No | | |
Delinquencies in last 7y:
| 0 | | | | |
Screen name:
| integrity-arboretum7 |
Borrower's state:
| NewYork |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Description
paying off my credit cards
Purpose of loan:
This loan will be used to?
improve my apartment and buy some new stuff
My financial situation:
I am a good candidate for this loan because? i will pay on monthly basis without problem
Monthly net income: $
2000
Monthly expenses: $
??Housing: $
400
??Insurance: $
??Car expenses: $
??Utilities: $
??Phone, cable, internet: $
250
??Food, entertainment: $
??Clothing, household expenses $
??Credit cards and other loans: $
??Other expenses: $
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
461433
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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:
| 10.98% - 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-1997 |
Debt/Income ratio:
| 4% |
Basic (1-10):
| 8 |
Inquiries last 6m:
| 0 | Employment status: | Full-time employee |
Enhanced (1-5): | 5 |
Current / open credit lines:
| 3
/
3 | Length of status: | 8y 11m |
Credit score:
| 660-679 (May-2010) |
Total credit lines:
| 11 |
Occupation: | Other |
Now delinquent:
| 0 |
Revolving credit balance:
| $5,161 | Stated income: | $75,000-$99,999 |
Amount delinquent:
| $0 |
Bankcard utilization:
| 85% | | |
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| No | | |
Delinquencies in last 7y:
| 0 | | | | |
Screen name:
| exuberant-liberty |
Borrower's state:
| California |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Description
paying off debts
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
461435
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount:
| $10,000.00 |
Prosper Rating:
| B |
Auction Duration:
| 7 days
|
Term:
| 36 months |
Estimated loss:
| 5.0% | | |
| | |
|
Starting lender yield:
| 15.00% |
Starting borrower rate/APR:
| 16.00% / 18.18% |
Starting monthly payment:
| $351.57 |
|
Auction yield range:
| 5.98% - 15.00% |
Estimated loss impact:
| 5.26% | | |
Lender servicing fee:
| 1.00% |
Estimated return:
| 9.74% | | |
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:
| Aug-2000 |
Debt/Income ratio:
| 31% |
Basic (1-10):
| 8 |
Inquiries last 6m:
| 0 | Employment status: | Full-time employee |
Enhanced (1-5): | 5 |
Current / open credit lines:
| 7
/
6 | Length of status: | 2y 0m |
Credit score:
| 720-739 (May-2010) |
Total credit lines:
| 23 |
Occupation: | Other |
Now delinquent:
| 0 |
Revolving credit balance:
| $4,495 | Stated income: | $25,000-$49,999 |
Amount delinquent:
| $0 |
Bankcard utilization:
| 26% | | |
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| No | | |
Delinquencies in last 7y:
| 0 | | | | |
Screen name:
| sfetaz |
Borrower's state:
| NewJersey |
Borrower's group:
| Credit Card Consolidation |
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Description
Paying of Credit Cards and car loan
Purpose of loan:
This loan will be used to have one monthly payment for my debt as well as getting out of debt faster.? It will take me 5 years to eliminate current debt while on Propser it would take 3.?
My financial situation:
I am a good candidate for this loan because the only bills I pay are my car loan and credit card.? I pay no rent living with parents and they take care of?all of the house bills including family plan cell phone.? My only other mandatory expenses are food, drink and copay on some medicine and doctors visits.? I have had my job for 2 years and have a good performance record, working as a Computer Technician which is the field I have the most expertise in.?
Monthly net income: $ 3100
Monthly expenses: $
??Housing: $ 0
??Insurance: $ 0
??Car expenses: $ 446 on car loan, $120 in gas, $50 servicing
??Utilities: $ 0
??Phone, cable, internet: $ 0
??Food, entertainment: $?350
??Clothing, household expenses $0
??Credit cards and other loans: $ 150
??Other expenses: $ 300
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
461447
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount:
| $2,000.00 |
Prosper Rating:
| D |
Auction Duration:
| 7 days
|
Term:
| 36 months |
Estimated loss:
| 10.0% | | |
| | |
|
Starting lender yield:
| 25.25% |
Starting borrower rate/APR:
| 26.25% / 28.57% |
Starting monthly payment:
| $80.85 |
|
Auction yield range:
| 10.98% - 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:
| Aug-1991 |
Debt/Income ratio:
| 16% |
Basic (1-10):
| 7 |
Inquiries last 6m:
| 2 | Employment status: | Full-time employee |
Enhanced (1-5): | 5 |
Current / open credit lines:
| 8
/
8 | Length of status: | 3y 3m |
Credit score:
| 640-659 (Jun-2010) |
Total credit lines:
| 20 |
Occupation: | Other |
Now delinquent:
| 0 |
Revolving credit balance:
| $5,674 | 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:
| 4 | | | | |
Screen name:
| point-twister |
Borrower's state:
| Nevada |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Description
Need to repair my car.
Purpose of loan:
This loan will be used to repair my car.
My financial situation:
I am a good candidate for this loan because I am now current with all my bills and paying on a regular basis.
Monthly net income: $ 2293
Monthly expenses: $
??Housing: $
350
??Insurance: $
120 ??
??Car expenses: $
120
??Utilities: $
30
??Phone, cable, internet: $
80
??Food, entertainment: $
200
??Clothing, household expenses $
0
??Credit cards and other loans: $
375 Car loan last payment is October, and expenses in this category will be $200 a month.
??Other expenses: $
0
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
461451
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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:
| 16.98% - 34.00% |
Estimated loss impact:
| 20.01% | | |
Lender servicing fee:
| 1.00% |
Estimated return:
| 13.99% | | |
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper scores:
| |
First credit line:
| Oct-1995 |
Debt/Income ratio:
| 39% |
Basic (1-10):
| 4 |
Inquiries last 6m:
| 3 | Employment status: | Full-time employee |
Enhanced (1-5): | 1 |
Current / open credit lines:
| 14
/
14 | Length of status: | 1y 0m |
Credit score:
| 640-659 (Jun-2010) |
Total credit lines:
| 20 |
Occupation: | Analyst |
Now delinquent:
| 0 |
Revolving credit balance:
| $57,890 | 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:
| mighty-truth6 |
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
RE Taxes and bathroom repair
Purpose of loan:
This loan will be used to pay real estate taxes and fix the bathroom pluming.
My financial situation: Is tight at the moment and I remain on a strict budget while I seek a job that compensates me for my education, skill sets and experience.
I am a good candidate for this loan because I'm ethical, dependable hard working financial analyst with an MBA. I returned to the workplace after completing my MBA in the winter of 2008. I received and MBA in finance and was unable to obtain the level of compensation expected. I continue to strive to excel my career as the economy recovers, with the ultimate goal of eliminating my debt in the next 4 years.
Monthly net income: $ 2900
Monthly expenses:
??Housing: $815
??Insurance: n/a
??Car expenses: $390
??Utilities: $25
??Phone, cable, internet: $20
??Food, entertainment: $125
??Clothing, household expenses $100
??Credit cards and other loans: $300
??Other expenses: $75
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
461455
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount:
| $7,000.00 |
Prosper Rating:
| HR |
Auction Duration:
| 7 days
|
Term:
| 36 months |
Estimated loss:
| 18.0% | | |
| | |
|
Starting lender yield:
| 34.00% |
Starting borrower rate/APR:
| 35.00% / 37.45% |
Starting monthly payment:
| $316.65 |
|
Auction yield range:
| 16.98% - 34.00% |
Estimated loss impact:
| 20.01% | | |
Lender servicing fee:
| 1.00% |
Estimated return:
| 13.99% | | |
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper scores:
| |
First credit line:
| Nov-1988 |
Debt/Income ratio:
| Self-employed (DTI Not Calculated) |
Basic (1-10):
| 5 |
Inquiries last 6m:
| 1 | Employment status: | Self-employed |
Enhanced (1-5): | 2 |
Current / open credit lines:
| 9
/
9 | Length of status: | 5y 0m |
Credit score:
| 700-719 (Jun-2010) |
Total credit lines:
| 16 |
Occupation: | Sales - Commission |
Now delinquent:
| 0 |
Revolving credit balance:
| $31,620 | Stated income: | $75,000-$99,999 |
Amount delinquent:
| $0 |
Bankcard utilization:
| 89% | | |
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| Yes | | |
Delinquencies in last 7y:
| 0 | | | | |
Screen name:
| income-goat1 |
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
Extra Wedding Costs
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
461457
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount:
| $9,561.00 |
Prosper Rating:
| D |
Auction Duration:
| 7 days
|
Term:
| 36 months |
Estimated loss:
| 10.0% | | |
| | |
|
Starting lender yield:
| 26.38% |
Starting borrower rate/APR:
| 27.38% / 29.72% |
Starting monthly payment:
| $392.28 |
|
Auction yield range:
| 10.98% - 26.38% |
Estimated loss impact:
| 10.66% | | |
Lender servicing fee:
| 1.00% |
Estimated return:
| 15.72% | | |
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper scores:
| |
First credit line:
| Jun-1992 |
Debt/Income ratio:
| 21% |
Basic (1-10):
| 8 |
Inquiries last 6m:
| 0 | Employment status: | Full-time employee |
Enhanced (1-5): | 5 |
Current / open credit lines:
| 13
/
7 | Length of status: | 2y 5m |
Credit score:
| 680-699 (May-2010) |
Total credit lines:
| 34 |
Occupation: | Retail Management |
Now delinquent:
| 0 |
Revolving credit balance:
| $5,233 | Stated income: | $75,000-$99,999 |
Amount delinquent:
| $0 |
Bankcard utilization:
| 19% | | |
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| No | | |
Delinquencies in last 7y:
| 0 | | | | |
Screen name:
| Maddie36 |
Borrower's state:
| NewJersey |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan history | Payment history | Credit score history |
Active / total loans:
| 1 / 2 |
On-time:
| 24 ( 89% )
| 680-699 (Latest)
|
Principal borrowed:
| $7,760.00 | < 31 days late:
| 3
( 11% )
| 600-619
(Aug-2008)
620-639
(May-2008)
600-619
(Feb-2008)
560-579
(Nov-2007)
|
Principal balance:
| $1,439.07 |
31+ days late:
| 0
( 0% )
|
Total payments billed:
| 27 | | |
Description
Last of my debt.....
Purpose of loan:
This loan will be used to?I
am looking to consolidate the rest of my high interest credit card debt into one lump sum
My financial situation:
I am a good candidate for this loan because??During this recession I had the
opportunity to lower a lot of my debt, paying off many of my creditors since
many have increased my APR to an alarming rate. Paying off this debt gave me
the opportunity to negotiate better rates with my creditors, however
unfortunately as I reached out to each of the credit card companies listed
below, they were not willing to lower my interest rates. This is why I am
looking to prosper, to help consolidate the rest of my high interest credit
cards. I have been a prosper customer for several years, and as you can
probably see, I have been loyal with my payment history, paying off one loan,
and currently paying an existing loan with you. Getting this loan would be a
great opportunity to help me continue to move forward and eventually paying off
my credit card debt.
Monthly net income: $ 3660
Monthly expenses: $
??Housing: $
1400
??Insurance: $
113.60
??Car expenses: $
295.35
??Utilities: $
125.00
??Phone, cable, internet: $
111
??Food, entertainment: $
150
??Clothing, household expenses $
50
??Credit cards and other loans: $
635
??Other expenses: $
0
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
461461
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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:
| 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:
| $46.38 |
|
Auction yield range:
| 2.98% - 6.10% |
Estimated loss impact:
| 0.60% | | |
Lender servicing fee:
| 1.00% |
Estimated return:
| 5.50% | | |
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper scores:
| |
First credit line:
| Aug-1995 |
Debt/Income ratio:
| 25% |
Basic (1-10):
| 10 |
Inquiries last 6m:
| 1 | Employment status: | Full-time employee |
Enhanced (1-5): | 5 |
Current / open credit lines:
| 12
/
11 | Length of status: | 3y 0m |
Credit score:
| 760-779 (Jun-2010) |
Total credit lines:
| 38 |
Occupation: | Professional |
Now delinquent:
| 0 |
Revolving credit balance:
| $25,694 | Stated income: | $50,000-$74,999 |
Amount delinquent:
| $0 |
Bankcard utilization:
| 19% | | |
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| Yes | | |
Delinquencies in last 7y:
| 0 | | | | |
Screen name:
| kind-powerful-cash |
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
Vacation Loan
Purpose of loan:
This loan will be used to help fund our summer vacation
My financial situation:
I am a good candidate for this loan because I plan on paying off this loan by the years end.? I am due $5,500 from my outside employment as a crop consultant.? I plant to use part of this?money to pay off the loan.
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
461465
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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:
| 16.98% - 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-2002 |
Debt/Income ratio:
| 22% |
Basic (1-10):
| 5 |
Inquiries last 6m:
| 1 | Employment status: | Full-time employee |
Enhanced (1-5): | 5 |
Current / open credit lines:
| 14
/
11 | Length of status: | 4y 5m |
Credit score:
| 680-699 (Jun-2010) |
Total credit lines:
| 25 |
Occupation: | Other |
Now delinquent:
| 0 |
Revolving credit balance:
| $14,460 | Stated income: | $100,000+ |
Amount delinquent:
| $0 |
Bankcard utilization:
| 56% | | |
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| No | | |
Delinquencies in last 7y:
| 0 | | | | |
Screen name:
| aarons34 |
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:
| 16 ( 100% )
| 680-699 (Latest)
|
Principal borrowed:
| $15,000.00 | < 31 days late:
| 0
( 0% )
| 680-699
(Dec-2007)
|
Principal balance:
| $0.00 |
31+ days late:
| 0
( 0% )
|
Total payments billed:
| 16 | | |
Description
Business Seed money
Purpose of loan:
This loan will be used to fund expansion on a software business. Currently developing iPhone applications and going into the third. I want to capitalize on current success.
My financial situation:
Never late and always pay ontime...
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
461471
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount:
| $3,000.00 |
Prosper Rating:
| HR |
Auction Duration:
| 7 days
|
Term:
| 36 months |
Estimated loss:
| 19.0% | | |
| | |
|
Starting lender yield:
| 34.00% |
Starting borrower rate/APR:
| 35.00% / 37.45% |
Starting monthly payment:
| $135.71 |
|
Auction yield range:
| 16.98% - 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-1988 |
Debt/Income ratio:
| Self-employed (DTI Not Calculated) |
Basic (1-10):
| 5 |
Inquiries last 6m:
| 1 | Employment status: | Self-employed |
Enhanced (1-5): | 3 |
Current / open credit lines:
| 17
/
17 | Length of status: | 7y 11m |
Credit score:
| 600-619 (May-2010) |
Total credit lines:
| 25 |
Occupation: | Truck Driver |
Now delinquent:
| 0 |
Revolving credit balance:
| $8,507 | Stated income: | $25,000-$49,999 |
Amount delinquent:
| $0 |
Bankcard utilization:
| 97% | | |
Public records last 12m / 10y:
| 0/ 1 |
Homeownership:
| Yes | | |
Delinquencies in last 7y:
| 0 | | | | |
Screen name:
| SiberianHusky |
Borrower's state:
| Minnesota |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan history | Payment history | Credit score history |
Active / total loans:
| 1 / 1 |
On-time:
| 25 ( 100% )
| 600-619 (Latest)
|
Principal borrowed:
| $5,000.00 | < 31 days late:
| 0
( 0% )
| 600-619
(Apr-2008)
|
Principal balance:
| $1,779.93 |
31+ days late:
| 0
( 0% )
|
Total payments billed:
| 25 | | |
Description
Take a Business Course
Purpose of loan:
This loan will be used to?. Attend a business course that upon completin I can increase my income substantially.????
My financial situation:
I am a good candidate for this loan because?My last proper loan was always paid on time and I take my obligations very seriously. My?daughter?will be a senior next and would like to pursue a medical carreer and I would like to help her any way I can?
Monthly net income: $ 4200.00
Monthly expenses: $
??Housing: $?556.00
??Insurance: $ 200.00
??Car expenses: $ 100.00
??Utilities: $ 200.00
??Phone, cable, internet: $?125.00
??Food, entertainment: $?200.00
??Clothing, household expenses $
??Credit cards and other loans: $ 389.00
??Other expenses: $
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
461473
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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:
| 18.0% | | |
| | |
|
Starting lender yield:
| 34.00% |
Starting borrower rate/APR:
| 35.00% / 37.45% |
Starting monthly payment:
| $144.76 |
|
Auction yield range:
| 16.98% - 34.00% |
Estimated loss impact:
| 20.01% | | |
Lender servicing fee:
| 1.00% |
Estimated return:
| 13.99% | | |
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper scores:
| |
First credit line:
| Oct-2000 |
Debt/Income ratio:
| 29% |
Basic (1-10):
| 4 |
Inquiries last 6m:
| 4 | Employment status: | Full-time employee |
Enhanced (1-5): | 3 |
Current / open credit lines:
| 10
/
9 | Length of status: | 6y 5m |
Credit score:
| 720-739 (May-2010) |
Total credit lines:
| 29 |
Occupation: | Skilled Labor |
Now delinquent:
| 0 |
Revolving credit balance:
| $6,025 | 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:
| 3 | | | | |
Screen name:
| wealth-bearer9 |
Borrower's state:
| California |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Description
debt consolidation
Purpose of loan:
This loan will be used to?
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
461481
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount:
| $5,000.00 |
Prosper Rating:
| HR |
Auction Duration:
| 7 days
|
Term:
| 36 months |
Estimated loss:
| 34.5% | | |
| | |
|
Starting lender yield:
| 34.00% |
Starting borrower rate/APR:
| 35.00% / 37.45% |
Starting monthly payment:
| $226.18 |
|
Auction yield range:
| 16.98% - 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 1m |
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: $ 6250
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
461483
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount:
| $5,000.00 |
Prosper Rating:
| HR |
Auction Duration:
| 7 days
|
Term:
| 36 months |
Estimated loss:
| 34.5% | | |
| | |
|
Starting lender yield:
| 34.00% |
Starting borrower rate/APR:
| 35.00% / 37.45% |
Starting monthly payment:
| $226.18 |
|
Auction yield range:
| 16.98% - 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-1983 |
Debt/Income ratio:
| 53% |
Basic (1-10):
| 1 |
Inquiries last 6m:
| 1 | Employment status: | Full-time employee |
Enhanced (1-5): | 3 |
Current / open credit lines:
| 14
/
14 | Length of status: | 6y 3m |
Credit score:
| 720-739 (Jun-2010) |
Total credit lines:
| 29 |
Occupation: | Nurse (RN) |
Now delinquent:
| 1 |
Revolving credit balance:
| $15,733 | Stated income: | $25,000-$49,999 |
Amount delinquent:
| $123 |
Bankcard utilization:
| 30% | | |
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| Yes | | |
Delinquencies in last 7y:
| 1 | | | | |
Screen name:
| best-income-tornado |
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
purchase equipment
Purpose of loan:
This loan will be used to? purchase equipment
My financial situation:
I am a good candidate for this loan because?
i work full time and able to pay
Monthly net income: $ 4400.0
Monthly expenses: $
??Housing: $ 300.00
??Insurance: $?55.00
??Car expenses: $ 325.00
??Utilities175.00
??Phone, cable, internet: $ 95.00
??Food, entertainment: $?250.0
??Clothing, household expenses $ 100.0
??Credit cards and other loans: $ 200.0
??Other expenses: $ 100.0
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
461487
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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:
| 16.98% - 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-1993 |
Debt/Income ratio:
| 48% |
Basic (1-10):
| 1 |
Inquiries last 6m:
| 6 | Employment status: | Full-time employee |
Enhanced (1-5): | 2 |
Current / open credit lines:
| 22
/
20 | Length of status: | 19y 8m |
Credit score:
| 640-659 (Jun-2010) |
Total credit lines:
| 34 |
Occupation: | Police Officer/Corr... |
Now delinquent:
| 0 |
Revolving credit balance:
| $17,383 | Stated income: | $50,000-$74,999 |
Amount delinquent:
| $0 |
Bankcard utilization:
| 78% | | |
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| Yes | | |
Delinquencies in last 7y:
| 0 | | | | |
Screen name:
| bold-keen-vigilance |
Borrower's state:
| Ohio |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Description
"Paying off 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
461497
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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:
| 25.25% |
Starting borrower rate/APR:
| 26.25% / 28.84% |
Starting monthly payment:
| $60.64 |
|
Auction yield range:
| 10.98% - 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:
| Aug-2005 |
Debt/Income ratio:
| 79% |
Basic (1-10):
| 7 |
Inquiries last 6m:
| 0 | Employment status: | Part-time employee |
Enhanced (1-5): | 5 |
Current / open credit lines:
| 4
/
4 | Length of status: | 0y 3m |
Credit score:
| 680-699 (May-2010) |
Total credit lines:
| 6 |
Occupation: | Laborer |
Now delinquent:
| 0 |
Revolving credit balance:
| $9,682 | 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:
| needa_break |
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 for short graduate program
Purpose of loan:
This loan will be used to pay for a professional certification program offered at Columbia University in New York. Its only for the summer and helps with career development.
My financial situation:
I am a good candidate for this loan because I try to keep constant employment even without being able to find reliable full-time employment. I even had a part-time job as a full-time undergraduate student in the past. I have financially stable parents and family that can help me willingly with bills. I rarely have late payments on any of my bills. I will also acquire part my mother's 457k through her retirement plan in March 2011 to be able to pay the amount back in full.
Monthly net income: $
500-600
Monthly expenses: $
??Housing: $
0
??Insurance: $
0
??Car expenses: $ +/-100
??Utilities: $
0
??Phone, cable, internet: $
0
??Food, entertainment: $ +/-100
??Clothing, household expenses $ +/- 100
??Credit cards and other loans: $ 300
??Other expenses: $
+/100
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
461501
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount:
| $15,000.00 |
Prosper Rating:
| E |
Auction Duration:
| 7 days
|
Term:
| 36 months |
Estimated loss:
| 14.0% | | |
| | |
|
Starting lender yield:
| 34.00% |
Starting borrower rate/APR:
| 35.00% / 37.45% |
Starting monthly payment:
| $678.54 |
|
Auction yield range:
| 13.98% - 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:
| May-1985 |
Debt/Income ratio:
| 30% |
Basic (1-10):
| 6 |
Inquiries last 6m:
| 1 | Employment status: | Full-time employee |
Enhanced (1-5): | 5 |
Current / open credit lines:
| 12
/
11 | Length of status: | 26y 10m |
Credit score:
| 660-679 (Jun-2010) |
Total credit lines:
| 21 |
Occupation: | Professional |
Now delinquent:
| 0 |
Revolving credit balance:
| $16,798 | Stated income: | $50,000-$74,999 |
Amount delinquent:
| $0 |
Bankcard utilization:
| 72% | | |
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| Yes | | |
Delinquencies in last 7y:
| 0 | | | | |
Screen name:
| courageous-loyalty0 |
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 all credit cards"
Purpose of loan:
This loan will be used to? pay off most credit cards.?I would prefer to pay one interest rate than several.?Also, I would like to finish paying off the credit cards sooner then the usual method that the credit card companies have suggested. I will have a daughter starting college in the fall and would like to have extra money available for any emergencies.? By consolidating these credit card payments, it would definitely help me each month.? Thanks in advance for helping me.
My financial situation:
I am a good candidate for this loan because? I always pay my bills first and on time. I also pay a little extra each month on each bill.?I am paying more in monthly payments to credit card companies so this payment should be more manageable. I also have my husband's income to help me out with the monthly payments.
Monthly net income: $ 5700
Monthly expenses: $
??Housing: $ 1200
??Insurance: $ 400
??Car expenses: $ 297
??Utilities: $ 150
??Phone, cable, internet: $ 100
??Food, entertainment: $ 350
??Clothing, household expenses $ 100
??Credit cards and other loans: $ 800
??Other expenses: $
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
461503
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount:
| $2,500.00 |
Prosper Rating:
| B |
Auction Duration:
| 7 days
|
Term:
| 36 months |
Estimated loss:
| 5.0% | | |
| | |
|
Starting lender yield:
| 6.00% |
Starting borrower rate/APR:
| 7.00% / 9.07% |
Starting monthly payment:
| $77.19 |
|
Auction yield range:
| 5.98% - 6.00% |
Estimated loss impact:
| 5.08% | | |
Lender servicing fee:
| 1.00% |
Estimated return:
| 0.92% | | |
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper scores:
| |
First credit line:
| Mar-1987 |
Debt/Income ratio:
| Not calculated |
Basic (1-10):
| 8 |
Inquiries last 6m:
| 0 | Employment status: | Not employed |
Enhanced (1-5): | 5 |
Current / open credit lines:
| 3
/
3 | Length of status: | 0y 0m |
Credit score:
| 720-739 (Jun-2010) |
Total credit lines:
| 3 | Stated income: | Not employed |
Now delinquent:
| 0 |
Revolving credit balance:
| $1,628 | |
Amount delinquent:
| $0 |
Bankcard utilization:
| 22% | | |
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| No | | |
Delinquencies in last 7y:
| 0 | | | | |
Screen name:
| hope-excellency |
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
college and creditcard
Purpose of loan:
This loan will be used to pay off my credit card and pay for summer school.
My financial situation:
I am a good candidate for this loan because i am a senior at Texas Tech university. My major is information systems in business and the median salary is 48k a year upon graduating from my school.
Monthly net income: $ 700
Monthly expenses: $
??Housing: $
425
??Insurance: $
0
??Car expenses: $
0
??Utilities: $
50
??Phone, cable, internet: $
50
??Food, entertainment: $
50
??Clothing, household expenses $
??Credit cards and other loans: $
??Other expenses: $
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
461507
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount:
| $14,500.00 |
Prosper Rating:
| 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:
| $481.54 |
|
Auction yield range:
| 10.98% - 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-2003 |
Debt/Income ratio:
| 31% |
Basic (1-10):
| 7 |
Inquiries last 6m:
| 0 | Employment status: | Full-time employee |
Enhanced (1-5): | 5 |
Current / open credit lines:
| 13
/
12 | Length of status: | 2y 8m |
Credit score:
| 660-679 (Jun-2010) |
Total credit lines:
| 19 |
Occupation: | Engineer - Electric... |
Now delinquent:
| 0 |
Revolving credit balance:
| $16,471 | Stated income: | $50,000-$74,999 |
Amount delinquent:
| $0 |
Bankcard utilization:
| 67% | | |
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| No | | |
Delinquencies in last 7y:
| 0 | | | | |
Screen name:
| spectacle1 |
Borrower's state:
| Wisconsin |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Description
Reduce Credit Line Interest
Purpose of loan:
Pay off a Credit Line that has 19.5% APR
My financial situation:
I am a good candidate for this loan because I will pay the monthly payments & on time.
Monthly net income: $
$3,468
Monthly expenses: $
$2,400
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
461509
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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:
| 17.00% |
Starting borrower rate/APR:
| 18.00% / 20.21% |
Starting monthly payment:
| $144.61 |
|
Auction yield range:
| 16.98% - 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:
| Jan-1989 |
Debt/Income ratio:
| 23% |
Basic (1-10):
| 5 |
Inquiries last 6m:
| 0 | Employment status: | Full-time employee |
Enhanced (1-5): | 3 |
Current / open credit lines:
| 4
/
2 | Length of status: | 2y 5m |
Credit score:
| 700-719 (Jun-2010) |
Total credit lines:
| 17 |
Occupation: | Scientist |
Now delinquent:
| 0 |
Revolving credit balance:
| $2,629 | Stated income: | $25,000-$49,999 |
Amount delinquent:
| $0 |
Bankcard utilization:
| 0% | | |
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| No | | |
Delinquencies in last 7y:
| 0 | | | | |
Screen name:
| stampdealer |
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.
Prosper Activity
Loan history | Payment history | Credit score history |
Active / total loans:
| 1 / 2 |
On-time:
| 51 ( 100% )
| 700-719 (Latest)
|
Principal borrowed:
| $8,001.00 | < 31 days late:
| 0
( 0% )
| 700-719
(Apr-2008)
760-779
(Sep-2007)
|
Principal balance:
| $2,110.51 |
31+ days late:
| 0
( 0% )
|
Total payments billed:
| 51 | | |
Description
Graduated, hired, and moving!
Purpose of loan:
I have received my advanced degree and am moving to New York City to start a very competitive job on August 1.? I want to make sure my transition goes smoothly, including being able to pay for moving expenses and my apartment security deposit.? My income will increase significantly, but I have no idea if there?ll be a delay before the first paycheck or a delay before I get my security deposit from this apartment, etc.? I want to start work being able to concentrate, and this loan will help.? My performance at this job will lead to new opportunities, and I want to do my absolute best and not have any problems when I arrive and set up.
My financial situation:
I have weathered one of the worst financial storms in this country while being in school and running a small business.? I have not missed any payments for any loan or bill, and I have been able to excel in my schoolwork, keep my business running, and get hired at the job I want.? My financial situation keeps improving each year, and I intend to keep it that way.
Monthly net income:
$2,100 ($3,500 starting August 1)
Monthly expenses:
$1,760
?
Housing: $950 (rent)
?
Insurance: $0 (paid though school/employer)
?
Car expenses: $0 (no car, none needed here or in NYC)
?
Utilities: $60
? Phone, cable, internet: $180
?
Food, entertainment: $250
?
Clothing, household expenses $40
?
Credit cards and other loans: $480
?
Other expenses: $
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
461511
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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:
| 19.00% |
Starting borrower rate/APR:
| 20.00% / 22.24% |
Starting monthly payment:
| $148.65 |
|
Auction yield range:
| 16.98% - 19.00% |
Estimated loss impact:
| 19.06% | | |
Lender servicing fee:
| 1.00% |
Estimated return:
| -0.06% | | |
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper scores:
| |
First credit line:
| Aug-2002 |
Debt/Income ratio:
| Self-employed (DTI Not Calculated) |
Basic (1-10):
| 5 |
Inquiries last 6m:
| 1 | Employment status: | Self-employed |
Enhanced (1-5): | 3 |
Current / open credit lines:
| 7
/
5 | Length of status: | 3y 11m |
Credit score:
| 680-699 (Jun-2010) |
Total credit lines:
| 36 |
Occupation: | Professional |
Now delinquent:
| 0 |
Revolving credit balance:
| $5,152 | Stated income: | $25,000-$49,999 |
Amount delinquent:
| $0 |
Bankcard utilization:
| 85% | | |
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| No | | |
Delinquencies in last 7y:
| 0 | | | | |
Screen name:
| Hopeful954 |
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:
| 1 ( 100% )
| 680-699 (Latest)
|
Principal borrowed:
| $1,000.00 | < 31 days late:
| 0
( 0% )
| 700-719
(Apr-2010)
640-659
(Dec-2009)
640-659
(Nov-2009)
|
Principal balance:
| $0.00 |
31+ days late:
| 0
( 0% )
|
Total payments billed:
| 1 | | |
Description
Building Credit
Purpose of loan:
This loan will be used to build credit.
My financial situation:
I am a good candidate for this loan because I already received and paid off one Prosper loan. I am trying for a larger amount this time.
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
461515
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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:
| 16.99% |
Starting borrower rate/APR:
| 17.99% / 20.20% |
Starting monthly payment:
| $542.21 |
|
Auction yield range:
| 16.98% - 16.99% |
Estimated loss impact:
| 18.94% | | |
Lender servicing fee:
| 1.00% |
Estimated return:
| -1.95% | | |
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper scores:
| |
First credit line:
| Dec-1990 |
Debt/Income ratio:
| 15% |
Basic (1-10):
| 5 |
Inquiries last 6m:
| 1 | Employment status: | Full-time employee |
Enhanced (1-5): | 5 |
Current / open credit lines:
| 5
/
5 | Length of status: | 3y 9m |
Credit score:
| 760-779 (Jun-2010) |
Total credit lines:
| 10 |
Occupation: | Other |
Now delinquent:
| 0 |
Revolving credit balance:
| $2,932 | Stated income: | $25,000-$49,999 |
Amount delinquent:
| $0 |
Bankcard utilization:
| 17% | | |
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| No | | |
Delinquencies in last 7y:
| 0 | | | | |
Screen name:
| artist513 |
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
Student Loan/Credit Card Debt
Purpose of loan:
This loan will be used to pay off the student loan ($12,000)?and credit card debt.
My financial situation:
I am a good candidate for this loan, because of my credit score.
Monthly net income: $ 3400.00
Monthly expenses: $
??Housing: $ 1400.00
??Insurance: $ 160.00
??Car expenses: $ 220.00
??Utilities: $ 140.00
??Phone, cable, internet: $ 32.00
??Food, entertainment: $ 500.00
??Clothing, household expenses $ 200.00
??Credit cards and other loans: $ 300.00
??Other expenses: $ 180.00
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
461519
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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:
| 16.98% - 34.00% |
Estimated loss impact:
| 20.01% | | |
Lender servicing fee:
| 1.00% |
Estimated return:
| 13.99% | | |
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper scores:
| |
First credit line:
| May-1994 |
Debt/Income ratio:
| 36% |
Basic (1-10):
| 4 |
Inquiries last 6m:
| 1 | Employment status: | Full-time employee |
Enhanced (1-5): | 3 |
Current / open credit lines:
| 8
/
7 | Length of status: | 10y 0m |
Credit score:
| 640-659 (Jun-2010) |
Total credit lines:
| 46 |
Occupation: | Engineer - Mechanic... |
Now delinquent:
| 0 |
Revolving credit balance:
| $1,000 | Stated income: | $50,000-$74,999 |
Amount delinquent:
| $0 |
Bankcard utilization:
| 0% | | |
Public records last 12m / 10y:
| 1/ 1 |
Homeownership:
| Yes | | |
Delinquencies in last 7y:
| 0 | | | | |
Screen name:
| money-friendship4 |
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
money-friendship4
Purpose of loan:
This loan will be used to? consolidate debt.
My financial situation:
I am a good candidate for this loan because? stable employment and income. I have been employed with the same employer for 10 years.
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
461521
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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:
| 8.33% |
Starting borrower rate/APR:
| 9.33% / 11.43% |
Starting monthly payment:
| $63.91 |
|
Auction yield range:
| 3.98% - 8.33% |
Estimated loss impact:
| 2.12% | | |
Lender servicing fee:
| 1.00% |
Estimated return:
| 6.21% | | |
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:
| Sep-1998 |
Debt/Income ratio:
| 24% |
Basic (1-10):
| 9 |
Inquiries last 6m:
| 2 | Employment status: | Full-time employee |
Enhanced (1-5): | 3 |
Current / open credit lines:
| 18
/
18 | Length of status: | 7y 4m |
Credit score:
| 740-759 (Jun-2010) |
Total credit lines:
| 34 |
Occupation: | Engineer - Electric... |
Now delinquent:
| 0 |
Revolving credit balance:
| $89,831 | 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:
| resolute-dime7 |
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
Boat Maintenance and Updates
Purpose of loan:
My boat needs some maintenance, updates and marina expenses. Payment is due in full and I would like to extend it out to monthly payments.
My financial situation:
I am a good candidate for this loan because I have never missed a payment and have a sound monthly income.
Monthly net income: 5,500 $
Monthly expenses: $
??Housing: $1200.00
??Car expenses: 400.00$
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
461525
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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:
| 13.98% |
Starting borrower rate/APR:
| 14.98% / 17.15% |
Starting monthly payment:
| $346.56 |
|
Auction yield range:
| 13.98% - 13.98% |
Estimated loss impact:
| 14.60% | | |
Lender servicing fee:
| 1.00% |
Estimated return:
| -0.62% | | |
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper scores:
| |
First credit line:
| Aug-1994 |
Debt/Income ratio:
| 56% |
Basic (1-10):
| 6 |
Inquiries last 6m:
| 1 | Employment status: | Full-time employee |
Enhanced (1-5): | 3 |
Current / open credit lines:
| 17
/
15 | Length of status: | 6y 2m |
Credit score:
| 660-679 (Jun-2010) |
Total credit lines:
| 48 |
Occupation: | Professional |
Now delinquent:
| 0 |
Revolving credit balance:
| $22,488 | Stated income: | $25,000-$49,999 |
Amount delinquent:
| $0 |
Bankcard utilization:
| 72% | | |
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| No | | |
Delinquencies in last 7y:
| 0 | | | | |
Screen name:
| bold-upbeat-silver |
Borrower's state:
| Louisiana |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Description
Debt Consolidation and Home Repair
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
461531
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount:
| $9,000.00 |
Prosper Rating:
| HR |
Auction Duration:
| 7 days
|
Term:
| 36 months |
Estimated loss:
| 18.0% | | |
| | |
|
Starting lender yield:
| 26.00% |
Starting borrower rate/APR:
| 27.00% / 29.33% |
Starting monthly payment:
| $367.43 |
|
Auction yield range:
| 16.98% - 26.00% |
Estimated loss impact:
| 19.50% | | |
Lender servicing fee:
| 1.00% |
Estimated return:
| 6.50% | | |
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:
| Mar-1990 |
Debt/Income ratio:
| 20% |
Basic (1-10):
| 4 |
Inquiries last 6m:
| 1 | Employment status: | Full-time employee |
Enhanced (1-5): | 3 |
Current / open credit lines:
| 17
/
11 | Length of status: | 2y 2m |
Credit score:
| 660-679 (Jun-2010) |
Total credit lines:
| 34 |
Occupation: | Computer Programmer |
Now delinquent:
| 0 |
Revolving credit balance:
| $50,151 | Stated income: | $100,000+ |
Amount delinquent:
| $0 |
Bankcard utilization:
| 93% | | |
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| No | | |
Delinquencies in last 7y:
| 6 | | | | |
Screen name:
| treasure-dynamo0 |
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 for education
Purpose of loan:
This loan will be used for education.
My financial situation:
I am a good candidate for this loan because I have good income to make payment.
Monthly net income: $? 9,000
Monthly expenses: $
??Housing: $ 1500
??Insurance: $ 250
??Car expenses: $ 880
??Utilities: $ 300
??Phone, cable, internet: $?210
??Food, entertainment: $ 500
??Clothing, household expenses $ 200
??Credit cards and other loans: $ 1000
??Other expenses: $ 1000
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
461533
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount:
| $10,000.00 |
Prosper Rating:
| HR |
Auction Duration:
| 7 days
|
Term:
| 36 months |
Estimated loss:
| 25.0% | | |
| | |
|
Starting lender yield:
| 34.00% |
Starting borrower rate/APR:
| 35.00% / 37.45% |
Starting monthly payment:
| $452.36 |
|
Auction yield range:
| 16.98% - 34.00% |
Estimated loss impact:
| 27.01% | | |
Lender servicing fee:
| 1.00% |
Estimated return:
| 6.99% | | |
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper scores:
| |
First credit line:
| Jun-2000 |
Debt/Income ratio:
| 46% |
Basic (1-10):
| 2 |
Inquiries last 6m:
| 0 | Employment status: | Full-time employee |
Enhanced (1-5): | 3 |
Current / open credit lines:
| 10
/
10 | Length of status: | 4y 8m |
Credit score:
| 660-679 (Jun-2010) |
Total credit lines:
| 29 |
Occupation: | Sales - Commission |
Now delinquent:
| 1 |
Revolving credit balance:
| $22,500 | Stated income: | $50,000-$74,999 |
Amount delinquent:
| $931 |
Bankcard utilization:
| 100% | | |
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| Yes | | |
Delinquencies in last 7y:
| 0 | | | | |
Screen name:
| magical-ore1 |
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
Consolidating debt
Purpose of loan:
This loan will be used to consolidate my debt. I have a lot of small loans that I am needing to get down to one payment. I have one loan that is delinquent which has caused my credit score to drop. Don't let this scare you away. You will get full payment of this lon back too you.This will allow my family and myself to be financially more stable and get our finances under control.
My financial situation:
I am a good candidate for this loan because I am not someone who? is trying to?just get rid of my debt. I know this way my mistake and I want to pay it back.?My wife and I go?to work everyday trying to create a better life for our daughter.?This loan will be paid every month on time with out any questions asked.?
Monthly net income: $ 3600 before commision
Monthly expenses: $
??Housing: $ 889.99????
??Insurance: $ 63.00
??Car expenses: $ 100.00
??Utilities: $ 50.00
??Phone, cable, internet: $ 300.00
??Food, entertainment: $?400.00
??Clothing, household expenses $ 100.00
??Credit cards and other loans: $ 250.00
??Other expenses: $ 100.00
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
461537
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount:
| $11,500.00 |
Prosper Rating:
| AA |
Auction Duration:
| 7 days
|
Term:
| 36 months |
Estimated loss:
| 1.5% | | |
| | |
|
Starting lender yield:
| 11.00% |
Starting borrower rate/APR:
| 12.00% / 12.35% |
Starting monthly payment:
| $381.96 |
|
Auction yield range:
| 2.98% - 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:
| Apr-1979 |
Debt/Income ratio:
| Not calculated |
Basic (1-10):
| 6 |
Inquiries last 6m:
| 0 | Employment status: | Full-time employee |
Enhanced (1-5): | 5 |
Current / open credit lines:
| 7
/
7 | Length of status: | 30y 0m |
Credit score:
| 840-859 (Jun-2010) |
Total credit lines:
| 19 |
Occupation: | Other |
Now delinquent:
| 0 |
Revolving credit balance:
| $4,431 | Stated income: | $50,000-$74,999 |
Amount delinquent:
| $0 |
Bankcard utilization:
| 2% | | |
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| Yes | | |
Delinquencies in last 7y:
| 0 | | | | |
Screen name:
| openness-aurora |
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
Helping
Purpose of loan:
This loan will be used to?pay off some credit cards in my spouse's name.??
My financial situation:
I am a good candidate for this loan because I have EXCEPTIONAL credit with a score over 800 and no late payments ever.? I pay off my credit card balance each month as I put most daily expenses on one and gas on a rebate card.? My income alone is $72,000/year.? I put extra into retirement and paying down on the mortgage.??Although normal?monthly credit card?balances are around $1000,?the revolving is a little high currently in that I made a "twelve months same as cash purchase."? Even with a mortgage?of $1400 and the $1000, I still have substantially sufficient income to repay this loan.? I have no car payment or other loans.?
We keep everything but our mortgage separate and two aforementioned shared cards separate.? The rates were raised on these cards and I do not want to utilize any credit cards to pay off these balances as I am looking for a fixed rate alternative.??Both?incomes (hers is $50,000) will be used to pay this loan.? Again, my income?is sufficient if necessary.??
Finally, my occupation is listed as other as my option is not listed- I am a government employee.
Thank you.
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
461539
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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:
| 13.00% |
Starting borrower rate/APR:
| 14.00% / 16.16% |
Starting monthly payment:
| $854.44 |
|
Auction yield range:
| 7.98% - 13.00% |
Estimated loss impact:
| 8.79% | | |
Lender servicing fee:
| 1.00% |
Estimated return:
| 4.21% | | |
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:
| Nov-1996 |
Debt/Income ratio:
| 20% |
Basic (1-10):
| 5 |
Inquiries last 6m:
| 2 | Employment status: | Full-time employee |
Enhanced (1-5): | 4 |
Current / open credit lines:
| 17
/
17 | Length of status: | 3y 9m |
Credit score:
| 780-799 (Jun-2010) |
Total credit lines:
| 40 |
Occupation: | Other |
Now delinquent:
| 0 |
Revolving credit balance:
| $23,643 | Stated income: | $75,000-$99,999 |
Amount delinquent:
| $0 |
Bankcard utilization:
| 43% | | |
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| Yes | | |
Delinquencies in last 7y:
| 0 | | | | |
Screen name:
| new-unabashed-wealth |
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
Home purchase down payment
Purpose of loan:
This loan will be used to
Make a home?downpayment?purchase
My financial situation: .
I will repay this loan in 3 yrs or sooner, my credit is extremely important to me, I have never being late, even for a day,?on any of my loan responsabilities. Please help?me get this loan, you will?get all payments as schedule every month until paid off and will be helping me get a home purchase down payment.?
Thank you very much.
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
461541
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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:
| 6.5% | | |
| | |
|
Starting lender yield:
| 8.00% |
Starting borrower rate/APR:
| 9.00% / 11.09% |
Starting monthly payment:
| $190.80 |
|
Auction yield range:
| 7.98% - 8.00% |
Estimated loss impact:
| 6.66% | | |
Lender servicing fee:
| 1.00% |
Estimated return:
| 1.34% | | |
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments 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:
| 17% |
Basic (1-10):
| 9 |
Inquiries last 6m:
| 0 | Employment status: | Full-time employee |
Enhanced (1-5): | 5 |
Current / open credit lines:
| 7
/
7 | Length of status: | 15y 9m |
Credit score:
| 680-699 (Jun-2010) |
Total credit lines:
| 24 |
Occupation: | Computer Programmer |
Now delinquent:
| 0 |
Revolving credit balance:
| $12,340 | Stated income: | $75,000-$99,999 |
Amount delinquent:
| $0 |
Bankcard utilization:
| 81% | | |
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| Yes | | |
Delinquencies in last 7y:
| 0 | | | | |
Screen name:
| listing-igloo |
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:
| 7 ( 100% )
| 680-699 (Latest)
|
Principal borrowed:
| $2,500.00 | < 31 days late:
| 0
( 0% )
| 720-739
(Sep-2009)
|
Principal balance:
| $1,994.60 |
31+ days late:
| 0
( 0% )
|
Total payments billed:
| 7 | | |
Description
Transfer Credit Card Debt to Prospr
Purpose of loan:
I tried Prosper last year for $2,500 and since it works so well I would like to transfer the remainder of my credit card debit to a Prosper installment loan.? I would rather pay you the interest than Chase Bank.
My financial situation:
I am still not sure how or why my Prosper rating dipped slightly since my first loan... when I check my score via CreditKarma, it's currently 731.? Ironically, the only suggestion they have for me to improve my score is to reduce my credit card utilization... which is exactly what will happen AFTER this loan, when I pay the balance off.? As you can see on the rest of my stats, I have never missed a single payment on anything my entire life.? I make a good income and I have an extremely stable job, which is rare right now.? The only reason my credit score isn't 750-800 is because I closed all my credit cards except for 2 a few years ago, before I understood how credit scores work.? Now I have utilized a lot of the credit line on these two cards, and consequently that has damaged my credit score.
I will not be using this particular Chase credit card again after I pay it off with this loan (although I will keep it open to protect my credit score).? I am successfully making progress, on schedule, in a 2-year plan to become absolutely debt-free (except mortgage).? In fact I have already stopped using this card and have been paying down the balance for several months.
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
461547
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount:
| $1,000.00 |
Prosper Rating:
| HR |
Auction Duration:
| 7 days
|
Term:
| 36 months |
Estimated loss:
| 25.0% | | |
| | |
|
Starting lender yield:
| 17.00% |
Starting borrower rate/APR:
| 18.00% / 21.74% |
Starting monthly payment:
| $36.15 |
|
Auction yield range:
| 16.98% - 17.00% |
Estimated loss impact:
| 25.94% | | |
Lender servicing fee:
| 1.00% |
Estimated return:
| -8.94% | | |
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper scores:
| |
First credit line:
| Oct-2005 |
Debt/Income ratio:
| 32% |
Basic (1-10):
| 3 |
Inquiries last 6m:
| 4 | Employment status: | Part-time employee |
Enhanced (1-5): | 2 |
Current / open credit lines:
| 6
/
5 | Length of status: | 4y 9m |
Credit score:
| 680-699 (Jun-2010) |
Total credit lines:
| 10 |
Occupation: | Laborer |
Now delinquent:
| 0 |
Revolving credit balance:
| $2,186 | Stated income: | $1-$24,999 |
Amount delinquent:
| $0 |
Bankcard utilization:
| 78% | | |
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| No | | |
Delinquencies in last 7y:
| 0 | | | | |
Screen name:
| tn99 |
Borrower's state:
| Michigan |
Borrower's group:
| Outdoorsmen of America |
Credit and homeownership information was obtained 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 ( 88% )
| 680-699 (Latest)
|
Principal borrowed:
| $1,500.00 | < 31 days late:
| 4
( 13% )
| 540-559
(Aug-2007)
|
Principal balance:
| $319.09 |
31+ days late:
| 0
( 0% )
|
Total payments billed:
| 32 | | |
Description
Great candidate to loan for...
Purpose of loan:
This loan will be used to consolidate my 2 cash advances that I currently have. I've used this service since christmas time when I thought it was a good idea but next time I know better.
My financial situation:
I am a good candidate for this loan because I have been paying my prosper loan and all other loans up-to-date. The cash advances take a huge percentage out every 2 weeks on my pay day and what is left is what I normally use to pay for the rest of the bills. The two cash advances amounts are $426 and $398=$824. If you have any questions or concern, please feel free to ask. I'll be happy to answer. Thank you for checking my listing out.
Monthly net income: $ 1,136
Monthly expenses: $ 705
??Housing: $ 0 live with parents
??Insurance: $ 78
??Car expenses: $ 130
??Utilities: $
??Phone, cable, internet: $?199
??Food, entertainment: $ 100
??Clothing, household expenses $
??Credit cards and other loans: $ 198 including?current loan from prosper which I am almost?already done paying off.
??Other expenses: $
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
461549
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount:
| $4,800.00 |
Prosper Rating:
| HR |
Auction Duration:
| 7 days
|
Term:
| 36 months |
Estimated loss:
| 18.0% | | |
| | |
|
Starting lender yield:
| 34.00% |
Starting borrower rate/APR:
| 35.00% / 37.45% |
Starting monthly payment:
| $217.13 |
|
Auction yield range:
| 16.98% - 34.00% |
Estimated loss impact:
| 20.01% | | |
Lender servicing fee:
| 1.00% |
Estimated return:
| 13.99% | | |
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper scores:
| |
First credit line:
| Oct-1997 |
Debt/Income ratio:
| 12% |
Basic (1-10):
| 4 |
Inquiries last 6m:
| 0 | Employment status: | Full-time employee |
Enhanced (1-5): | 5 |
Current / open credit lines:
| 6
/
6 | Length of status: | 5y 9m |
Credit score:
| 660-679 (Jun-2010) |
Total credit lines:
| 13 |
Occupation: | Professional |
Now delinquent:
| 0 |
Revolving credit balance:
| $4,456 | 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:
| SoCal-Pioneer |
Borrower's state:
| California |
Borrower's group:
| CREDIT BUILDER |
Credit and homeownership information was obtained 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:
| $3,200.00 | < 31 days late:
| 0
( 0% )
| 520-539
(Feb-2007)
|
Principal balance:
| $0.00 |
31+ days late:
| 0
( 0% )
|
Total payments billed:
| 17 | | |
Description
Cutting up 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
461557
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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:
| 16.98% - 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-2004 |
Debt/Income ratio:
| 45% |
Basic (1-10):
| 5 |
Inquiries last 6m:
| 0 | Employment status: | Full-time employee |
Enhanced (1-5): | 3 |
Current / open credit lines:
| 6
/
4 | Length of status: | 4y 2m |
Credit score:
| 660-679 (Jun-2010) |
Total credit lines:
| 15 |
Occupation: | Retail Management |
Now delinquent:
| 3 |
Revolving credit balance:
| $2,840 | Stated income: | $25,000-$49,999 |
Amount delinquent:
| $593 |
Bankcard utilization:
| 54% | | |
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| No | | |
Delinquencies in last 7y:
| 2 | | | | |
Screen name:
| prudent-duty9 |
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
Supplies for New Upscale barbershop
Purpose of loan:
This loan will be used to furnish and purchase supplies for a new upscale barbershop and salon. My company will own 50% of the business and will handle the marketing and promotions.
My financial situation:
I am a good candidate for this loan because I have been with the same company for last 4+ years. I currently pay all off my bills on time with no problem. A barbershop and salon is a recession proof business because people will always need grooming and hair care. The business is slated to pay for itself within the first few months of operation.
Monthly net income: $
2200
Monthly expenses: $
??Housing: $
400
??Insurance: $
120
??Car expenses: $
400
??Utilities: $
75
??Phone, cable, internet: $
50
??Food, entertainment: $
40
??Clothing, household expenses $
40
??Credit cards and other loans: $
95
??Other expenses: $
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
461559
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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:
| A |
Auction Duration:
| 7 days
|
Term:
| 36 months |
Estimated loss:
| 2.1% | | |
| | |
|
Starting lender yield:
| 3.98% |
Starting borrower rate/APR:
| 4.98% / 7.03% |
Starting monthly payment:
| $104.87 |
|
Auction yield range:
| 3.98% - 3.98% |
Estimated loss impact:
| 2.09% | | |
Lender servicing fee:
| 1.00% |
Estimated return:
| 1.89% | | |
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper scores:
| |
First credit line:
| Mar-2001 |
Debt/Income ratio:
| 21% |
Basic (1-10):
| 9 |
Inquiries last 6m:
| 0 | Employment status: | Full-time employee |
Enhanced (1-5): | 5 |
Current / open credit lines:
| 14
/
14 | Length of status: | 1y 11m |
Credit score:
| 760-779 (Jun-2010) |
Total credit lines:
| 26 |
Occupation: | Clerical |
Now delinquent:
| 0 |
Revolving credit balance:
| $3,071 | Stated income: | $25,000-$49,999 |
Amount delinquent:
| $0 |
Bankcard utilization:
| 16% | | |
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| No | | |
Delinquencies in last 7y:
| 0 | | | | |
Screen name:
| fascinating-moola9 |
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
Investment Money
Purpose of loan:
This loan will be used to build my trading portfolio. Through a conservative compounding interest strategy, I plan to build?this portfolio to six figures in 5 years. Then, I will be able to retire early and free up a job at my company for someone else.
My financial situation:
I am a good candidate for this loan because I have good credit and an extra $100 in take home pay to pay off this debt.
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
461565
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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:
| E |
Auction Duration:
| 7 days
|
Term:
| 36 months |
Estimated loss:
| 14.0% | | |
| | |
|
Starting lender yield:
| 21.00% |
Starting borrower rate/APR:
| 22.00% / 24.26% |
Starting monthly payment:
| $190.95 |
|
Auction yield range:
| 13.98% - 21.00% |
Estimated loss impact:
| 14.94% | | |
Lender servicing fee:
| 1.00% |
Estimated return:
| 6.06% | | |
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:
| Sep-1992 |
Debt/Income ratio:
| 35% |
Basic (1-10):
| 6 |
Inquiries last 6m:
| 0 | Employment status: | Full-time employee |
Enhanced (1-5): | 4 |
Current / open credit lines:
| 18
/
17 | Length of status: | 3y 5m |
Credit score:
| 660-679 (Jun-2010) |
Total credit lines:
| 33 |
Occupation: | Professional |
Now delinquent:
| 1 |
Revolving credit balance:
| $16,435 | Stated income: | $50,000-$74,999 |
Amount delinquent:
| $97 |
Bankcard utilization:
| 80% | | |
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| Yes | | |
Delinquencies in last 7y:
| 1 | | | | |
Screen name:
| JaxGM |
Borrower's state:
| Florida |
Borrower's group:
| 440+ Supporting Lenders. Get FUNDED @ LOWER % than ANY group |
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan history | Payment history | Credit score history |
Active / total loans:
| 1 / 1 |
On-time:
| 23 ( 100% )
| 660-679 (Latest)
|
Principal borrowed:
| $3,000.00 | < 31 days late:
| 0
( 0% )
| 620-639
(Jul-2009)
620-639
(Jun-2008)
560-579
(Oct-2006)
|
Principal balance:
| $1,375.89 |
31+ days late:
| 0
( 0% )
|
Total payments billed:
| 23 | | |
Description
Lower rates and consolidation
The purpose of this loan is to consolidate some debt and reduce the amount of interest I am paying. Part of this loan will also pay off my existing prosper loan. These current debts have monthly payments of $618 with rates from 29 to 33%. This consolidation will allow me to pay off other debts quicker and work on building up my savings again. The only negatives on my credit is a repossession and one or two late payments and this is all from a divorce in 2006, and these are items that my ex-wife was responsible for, but I ended up taking care of them to avoid more damage to my credit. Other than these items, the high balances on my credit cards is the only other thing that is pulling my score down. Net Monthly Income: $6,000
Mortgage (including taxes and insurance) $850
Car payments: $771 (two cars)
Insurance: $135
Utilities: $400
Student Loan: $95
IRS: $400 (paying off with loan)
Current Prosper Loan: $134 (Paying off with loan)
Credit Cards: $465
Total debt payments: $3,250The rest goes towards household expenses, gas, groceries (family of 5), repairs and maintenance, etc. If I neglected to cover something that you have a question about; feel free to contact me or post your question.?Thank you for your consideration. . .
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
461569
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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:
| 16.98% - 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-1994 |
Debt/Income ratio:
| 54% |
Basic (1-10):
| 4 |
Inquiries last 6m:
| 4 | Employment status: | Full-time employee |
Enhanced (1-5): | 2 |
Current / open credit lines:
| 15
/
14 | Length of status: | 19y 9m |
Credit score:
| 640-659 (Jun-2010) |
Total credit lines:
| 56 |
Occupation: | Military Enlisted |
Now delinquent:
| 0 |
Revolving credit balance:
| $27,278 | Stated income: | $50,000-$74,999 |
Amount delinquent:
| $0 |
Bankcard utilization:
| 99% | | |
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| Yes | | |
Delinquencies in last 7y:
| 0 | | | | |
Screen name:
| camaraderiologist |
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
Personalizing my Harley
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
461571
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount:
| $15,000.00 |
Prosper Rating:
| AA |
Auction Duration:
| 7 days
|
Term:
| 36 months |
Estimated loss:
| 1.5% | | |
| | |
|
Starting lender yield:
| 9.43% |
Starting borrower rate/APR:
| 10.43% / 10.78% |
Starting monthly payment:
| $487.04 |
|
Auction yield range:
| 2.98% - 9.43% |
Estimated loss impact:
| 1.51% | | |
Lender servicing fee:
| 1.00% |
Estimated return:
| 7.92% | | |
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:
| Jan-1996 |
Debt/Income ratio:
| 28% |
Basic (1-10):
| 7 |
Inquiries last 6m:
| 0 | Employment status: | Full-time employee |
Enhanced (1-5): | 5 |
Current / open credit lines:
| 11
/
10 | Length of status: | 13y 1m |
Credit score:
| 840-859 (Jun-2010) |
Total credit lines:
| 41 |
Occupation: | Executive |
Now delinquent:
| 0 |
Revolving credit balance:
| $579 | Stated income: | $100,000+ |
Amount delinquent:
| $0 |
Bankcard utilization:
| 4% | | |
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| Yes | | |
Delinquencies in last 7y:
| 0 | | | | |
Screen name:
| currency-stockpiler6 |
Borrower's state:
| Connecticut |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan history | Payment history | Credit score history |
Active / total loans:
| 1 / 1 |
On-time:
| 6 ( 100% )
| 840-859 (Latest)
|
Principal borrowed:
| $10,000.00 | < 31 days late:
| 0
( 0% )
| 720-739
(Oct-2009)
|
Principal balance:
| $7,423.50 |
31+ days late:
| 0
( 0% )
|
Total payments billed:
| 6 | | |
Description
Pay off current prosper loan
Purpose of loan:
This loan will be used to? pay off current Prosper loan balance of $7423.50 and pay down my car loan.
My financial situation:
I am a good candidate for this loan because? if you look at my credit history you will find that when I took my previous Prosper loan my score was close to 740 and now is above 840. I have improved my score by clearing off my credit card debt completely. Hurray! Thanks to friends at Prosper. Now, I want to clear off my current Prosper loan which is at a higher interest rate and also pay down my car loan. I prefer to give the interest to investers in Prosper rather than a bank or credit card company.
I have never been late or deliquent on any of my debts since the start of my credit history. I have an excellent job that?pays a?good?income, I have savings in 401K, etc and now I am just rearranging my finances so that I can reduce my interest outflow.
I would greatly appreciate your continued support in helping me improve my financial condition.
Thank you very much.
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
461573
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount:
| $6,500.00 |
Prosper Rating:
| HR |
Auction Duration:
| 7 days
|
Term:
| 36 months |
Estimated loss:
| 18.0% | | |
| | |
|
Starting lender yield:
| 34.00% |
Starting borrower rate/APR:
| 35.00% / 37.45% |
Starting monthly payment:
| $294.03 |
|
Auction yield range:
| 16.98% - 34.00% |
Estimated loss impact:
| 20.01% | | |
Lender servicing fee:
| 1.00% |
Estimated return:
| 13.99% | | |
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper scores:
| |
First credit line:
| Aug-1995 |
Debt/Income ratio:
| 14% |
Basic (1-10):
| 4 |
Inquiries last 6m:
| 1 | Employment status: | Full-time employee |
Enhanced (1-5): | 4 |
Current / open credit lines:
| 7
/
7 | Length of status: | 3y 11m |
Credit score:
| 680-699 (Jun-2010) |
Total credit lines:
| 30 |
Occupation: | Professional |
Now delinquent:
| 0 |
Revolving credit balance:
| $3,239 | Stated income: | $25,000-$49,999 |
Amount delinquent:
| $0 |
Bankcard utilization:
| 102% | | |
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| Yes | | |
Delinquencies in last 7y:
| 0 | | | | |
Screen name:
| magnetic-listing7 |
Borrower's state:
| Colorado |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Description
Pay off medical and credit cards
Purpose of loan:
This loan will be used to pay off credit cards and medical bills.? I have two children ages 3 yrs and 8 months.? This past winter the baby got RSV and Pneumonia several times.? We have medical insurance, however the medical bills keep piling up.? I have 4000 dollars of credit card debt that I just can't seem to get paid off.? I have been making the minimum payments, but just can't seem to get ahead.? It would be nice to get these things paid off and have just one payment.? I will cut up all credit cards and never use them again!?
My financial situation:
I am a good candidate for this loan because, my paychecks are direct deposit so the?payments?will always be on time.? I?work hard and will always?have a job.? I just need some relief so maybe?I can take a breath and relax.?
Monthly net income: $ 4500.00?
Monthly expenses: $
??Housing: $ 750
??Insurance: $200
??Car expenses: $650
??Utilities: $500
??Phone, cable, internet: $250
??Food, entertainment: $ 300
??Clothing, household expenses $300
??Credit cards and other loans: $450
??Other expenses: $550 Daycare
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
461579
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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:
| 26.00% |
Starting borrower rate/APR:
| 27.00% / 29.33% |
Starting monthly payment:
| $306.19 |
|
Auction yield range:
| 16.98% - 26.00% |
Estimated loss impact:
| 36.00% | | |
Lender servicing fee:
| 1.00% |
Estimated return:
| -10.00% | | |
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper scores:
| |
First credit line:
| Dec-1997 |
Debt/Income ratio:
| 45% |
Basic (1-10):
| 1 |
Inquiries last 6m:
| 1 | Employment status: | Full-time employee |
Enhanced (1-5): | 2 |
Current / open credit lines:
| 6
/
4 | Length of status: | 5y 3m |
Credit score:
| 620-639 (Jun-2010) |
Total credit lines:
| 11 |
Occupation: | Retail Management |
Now delinquent:
| 1 |
Revolving credit balance:
| $289 | Stated income: | $25,000-$49,999 |
Amount delinquent:
| $40 |
Bankcard utilization:
| 96% | | |
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| No | | |
Delinquencies in last 7y:
| 0 | | | | |
Screen name:
| ANGEL00 |
Borrower's state:
| Georgia |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan history | Payment history | Credit score history |
Active / total loans:
| 1 / 2 |
On-time:
| 23 ( 100% )
| 620-639 (Latest)
|
Principal borrowed:
| $2,000.00 | < 31 days late:
| 0
( 0% )
| 660-679
(Jul-2009)
640-659
(Aug-2008)
|
Principal balance:
| $836.51 |
31+ days late:
| 0
( 0% )
|
Total payments billed:
| 23 | | |
Description
Perfect Prosper Borrower
Purpose of loan:
This loan will be used to?
My financial situation:
I am a good candidate for this loan because? I pay my bill on time. My credit score on Trans Union is 698 as of today. I do not know why my listing is showing HR when I pay my bill on time.? This is my 3rd Prosper loan and this will be paid on time as my other 2 Prosper loan have been. I would rather pay Prosper Lenders over corporations. Thank you for your consideration.
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
461581
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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:
| 7.98% - 18.90% |
Estimated loss impact:
| 6.94% | | |
Lender servicing fee:
| 1.00% |
Estimated return:
| 11.96% | | |
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper scores:
| |
First credit line:
| Dec-1975 |
Debt/Income ratio:
| 19% |
Basic (1-10):
| 9 |
Inquiries last 6m:
| 0 | Employment status: | Full-time employee |
Enhanced (1-5): | 5 |
Current / open credit lines:
| 14
/
10 | Length of status: | 6y 6m |
Credit score:
| 640-659 (Jun-2010) |
Total credit lines:
| 43 |
Occupation: | Nurse (RN) |
Now delinquent:
| 0 |
Revolving credit balance:
| $12,356 | Stated income: | $75,000-$99,999 |
Amount delinquent:
| $0 |
Bankcard utilization:
| 96% | | |
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| Yes | | |
Delinquencies in last 7y:
| 6 | | | | |
Screen name:
| Smoothe-Operator |
Borrower's state:
| RhodeIsland |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan history | Payment history | Credit score history |
Active / total loans:
| 1 / 1 |
On-time:
| 22 ( 100% )
| 640-659 (Latest)
|
Principal borrowed:
| $1,000.00 | < 31 days late:
| 0
( 0% )
| 640-659
(Jun-2008)
|
Principal balance:
| $421.52 |
31+ days late:
| 0
( 0% )
|
Total payments billed:
| 22 | | |
Description
Consolidating Debt
Purpose of loan:
This loan will be used to consolidate a few samall credit cards into one payment.
My financial situation:
I am a good candidate for this loan because I have always payed my debt. I have never defaulted on a loan.
Monthly net income: $ 7000.00
Monthly expenses: $
??Housing: $ 1800
??Insurance: $ 175
??Car expenses: $ 100
??Utilities: $ 200
??Phone, cable, internet: $ 100
??Food, entertainment: $ 100
??Clothing, household expenses $ 200.00
??Credit cards and other loans: $?600.00
??Other expenses: $ 300.00
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
461585
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount:
| $2,500.00 |
Prosper Rating:
| D |
Auction Duration:
| 7 days
|
Term:
| 36 months |
Estimated loss:
| 10.0% | | |
| | |
|
Starting lender yield:
| 25.38% |
Starting borrower rate/APR:
| 26.38% / 28.71% |
Starting monthly payment:
| $101.23 |
|
Auction yield range:
| 10.98% - 25.38% |
Estimated loss impact:
| 10.63% | | |
Lender servicing fee:
| 1.00% |
Estimated return:
| 14.75% | | |
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:
| Jul-2000 |
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:
| 2
/
1 | Length of status: | 2y 10m |
Credit score:
| 720-739 (May-2010) |
Total credit lines:
| 3 |
Occupation: | Food Service |
Now delinquent:
| 0 |
Revolving credit balance:
| $0 | Stated income: | $25,000-$49,999 |
Amount delinquent:
| $0 |
Bankcard utilization:
| 0% | | |
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| No | | |
Delinquencies in last 7y:
| 0 | | | | |
Screen name:
| 412grill |
Borrower's state:
| Tennessee |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Description
Building credit with Prosper!
Purpose of loan:
My Season Runs memorial day to labor day " Need cash for Inventory ,additional employees, and marketing" We have a liquor liscence and Grill.Memorial Day weekend was a success except for Rain!
My financial situation:
I am a good candidate for this loan because? The Profit Margins are High for example 350 people show up for a bikini contest "They pay a 10.00 Cover charge just to enter the building. Thats 3500.00 on a Sat night.
Monthly net income: $ Varies 2,000 Gaurantee 405 Net week "Commission based on revenue. 100%? I can get loan from merchant processor but pay 2000.00 fee to get advance on 20% hold on credit card transactions That will screw my cash flow up.
Monthly expenses: $
??Housing:?Paid Off?????????????
??Insurance: $ 350.00 (Health Life and Vehicle )
??Car expenses: $ 0.00 Paid?Off
??Utilities: $?150.00
??Phone, cable, internet: $?Job Supplies
??Food, entertainment: $ 200.00
??Clothing, household expenses $ 0.00
??Credit cards and other loans: $ 0.00
??Other expenses: $ 1675.00 Three river front lots 75by 50 few years. 15yr note 170k
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
461587
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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:
| 16.98% - 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-2002 |
Debt/Income ratio:
| 17% |
Basic (1-10):
| 4 |
Inquiries last 6m:
| 1 | Employment status: | Full-time employee |
Enhanced (1-5): | 5 |
Current / open credit lines:
| 4
/
4 | Length of status: | 10y 0m |
Credit score:
| 680-699 (Jun-2010) |
Total credit lines:
| 10 |
Occupation: | Administrative Assi... |
Now delinquent:
| 1 |
Revolving credit balance:
| $178 | Stated income: | $50,000-$74,999 |
Amount delinquent:
| $50 |
Bankcard utilization:
| 29% | | |
Public records last 12m / 10y:
| 0/ 1 |
Homeownership:
| Yes | | |
Delinquencies in last 7y:
| 1 | | | | |
Screen name:
| orange-peace-paloverde |
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
Credit Clean Up
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
461593
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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:
| 34.5% | | |
| | |
|
Starting lender yield:
| 34.00% |
Starting borrower rate/APR:
| 35.00% / 37.45% |
Starting monthly payment:
| $180.94 |
|
Auction yield range:
| 16.98% - 34.00% |
Estimated loss impact:
| 36.51% | | |
Lender servicing fee:
| 1.00% |
Estimated return:
| -2.51% | | |
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper scores:
| |
First credit line:
| Jun-1967 |
Debt/Income ratio:
| Self-employed (DTI Not Calculated) |
Basic (1-10):
| 1 |
Inquiries last 6m:
| 4 | Employment status: | Self-employed |
Enhanced (1-5): | 1 |
Current / open credit lines:
| 1
/
1 | Length of status: | 3y 6m |
Credit score:
| 640-659 (Jun-2010) |
Total credit lines:
| 8 |
Occupation: | Sales - Commission |
Now delinquent:
| 0 |
Revolving credit balance:
| $0 | Stated income: | $50,000-$74,999 |
Amount delinquent:
| $0 |
Bankcard utilization:
| 0% | | |
Public records last 12m / 10y:
| 1/ 2 |
Homeownership:
| No | | |
Delinquencies in last 7y:
| 5 | | | | |
Screen name:
| balance-oath1 |
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
debt consolidation. bus exp.
Purpose of loan:
This loan will be used to?
My financial situation:
I am a good candidate for this loan because?
Monthly net income: $4000
Monthly expenses: $ 1900
??Housing: $ 400
??Insurance: $ 85
??Car expenses: $433?
??Utilities: $included in rent?
??Phone, cable, internet: $70
??Food, entertainment: $450?
??Clothing, household expenses $ 50
??Credit cards and other loans: $ 0
??Other expenses: $ 400 business expense
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
461595
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount:
| $4,900.00 |
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:
| $221.66 |
|
Auction yield range:
| 16.98% - 34.00% |
Estimated loss impact:
| 20.01% | | |
Lender servicing fee:
| 1.00% |
Estimated return:
| 13.99% | | |
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper scores:
| |
First credit line:
| Oct-1990 |
Debt/Income ratio:
| Not calculated |
Basic (1-10):
| 5 |
Inquiries last 6m:
| 0 | Employment status: | Full-time employee |
Enhanced (1-5): | 4 |
Current / open credit lines:
| 13
/
12 | Length of status: | 0y 11m |
Credit score:
| 640-659 (May-2010) |
Total credit lines:
| 47 |
Occupation: | Sales - Retail |
Now delinquent:
| 0 |
Revolving credit balance:
| $24,157 | Stated income: | $50,000-$74,999 |
Amount delinquent:
| $0 |
Bankcard utilization:
| 95% | | |
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| Yes | | |
Delinquencies in last 7y:
| 3 | | | | |
Screen name:
| typic67 |
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:
| 25 ( 100% )
| 640-659 (Latest)
|
Principal borrowed:
| $7,500.00 | < 31 days late:
| 0
( 0% )
| 660-679
(Apr-2008)
|
Principal balance:
| $2,880.91 |
31+ days late:
| 0
( 0% )
|
Total payments billed:
| 25 | | |
Description
Need things for our farm market
Purpose of loan: we need to build up inventory of our most popular summer items like Mccutcheons? products and also improve a few things with our store
My financial situation:
I am a good candidate for this loan because? My history with my last prosper loan is perfect and?I have been in this business for life and now am able to do it full time year round
Monthly net income: $ 5500
Monthly expenses: $?3740
??Housing: $ 1560
??Insurance: $ 150
??Car expenses: $ 300
??Utilities: $ 300
??Phone, cable, internet: $ 130
??Food, entertainment: $ 100
??Clothing, household expenses $ 100
??Credit cards and other loans: $ 800
??Other expenses: $ 300
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
461597
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount:
| $1,650.00 |
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% / 37.48% |
Starting monthly payment:
| $74.64 |
|
Auction yield range:
| 16.98% - 34.00% |
Estimated loss impact:
| 27.01% | | |
Lender servicing fee:
| 1.00% |
Estimated return:
| 6.99% | | |
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper scores:
| |
First credit line:
| Feb-1983 |
Debt/Income ratio:
| 17% |
Basic (1-10):
| 2 |
Inquiries last 6m:
| 8 | Employment status: | Full-time employee |
Enhanced (1-5): | 1 |
Current / open credit lines:
| 2
/
2 | Length of status: | 11y 4m |
Credit score:
| 640-659 (Jun-2010) |
Total credit lines:
| 13 |
Occupation: | Clerical |
Now delinquent:
| 0 |
Revolving credit balance:
| $0 | Stated income: | $25,000-$49,999 |
Amount delinquent:
| $0 |
Bankcard utilization:
| 0% | | |
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| No | | |
Delinquencies in last 7y:
| 3 | | | | |
Screen name:
| newstart218 |
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
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? I have two (2) jobs, I would like to pay off this loan as quickly as possible.
Monthly net income: $ 2,016.00
Monthly expenses: $
??Housing: $ 0
??Insurance: $ 0
??Car expenses: $? Gas - 60.00 every other week?
??Utilities: $?100.00
??Phone, cable, internet: $?Cable - 67.00? Telephone -?$74.00
??Food, entertainment: $ 200.00
??Clothing, household expenses $ 0
??Credit cards and other loans: $ 250
??Other expenses: $
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
461599
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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:
| 8.0% | | |
| | |
|
Starting lender yield:
| 7.98% |
Starting borrower rate/APR:
| 8.98% / 12.52% |
Starting monthly payment:
| $31.79 |
|
Auction yield range:
| 7.98% - 7.98% |
Estimated loss impact:
| 8.16% | | |
Lender servicing fee:
| 1.00% |
Estimated return:
| -0.18% | | |
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments 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-2003 |
Debt/Income ratio:
| Not calculated |
Basic (1-10):
| 8 |
Inquiries last 6m:
| 0 | Employment status: | Not employed |
Enhanced (1-5): | 4 |
Current / open credit lines:
| 1
/
1 | Length of status: | 0y 1m |
Credit score:
| 720-739 (Jun-2010) |
Total credit lines:
| 5 | Stated income: | Not employed |
Now delinquent:
| 0 |
Revolving credit balance:
| $0 | |
Amount delinquent:
| $0 |
Bankcard utilization:
| 0% | | |
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| No | | |
Delinquencies in last 7y:
| 0 | | | | |
Screen name:
| forceful-listing |
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
HOLLAR
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
461603
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount:
| $6,300.00 |
Prosper Rating:
| HR |
Auction Duration:
| 7 days
|
Term:
| 36 months |
Estimated loss:
| 25.0% | | |
| | |
|
Starting lender yield:
| 32.00% |
Starting borrower rate/APR:
| 33.00% / 35.42% |
Starting monthly payment:
| $277.90 |
|
Auction yield range:
| 16.98% - 32.00% |
Estimated loss impact:
| 26.88% | | |
Lender servicing fee:
| 1.00% |
Estimated return:
| 5.12% | | |
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper scores:
| |
First credit line:
| Apr-1995 |
Debt/Income ratio:
| 31% |
Basic (1-10):
| 2 |
Inquiries last 6m:
| 7 | Employment status: | Full-time employee |
Enhanced (1-5): | 1 |
Current / open credit lines:
| 6
/
6 | Length of status: | 19y 1m |
Credit score:
| 660-679 (May-2010) |
Total credit lines:
| 28 |
Occupation: | Retail Management |
Now delinquent:
| 2 |
Revolving credit balance:
| $7,174 | Stated income: | $25,000-$49,999 |
Amount delinquent:
| $0 |
Bankcard utilization:
| 56% | | |
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| No | | |
Delinquencies in last 7y:
| 12 | | | | |
Screen name:
| moola-tempo |
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
paying off my credit cards
Purpose of loan:
This loan will be used to?pay for my sons braces, and to get those credit cards paid in full.
My financial situation:??I am a good candidate for this loan because my?Wife and I are very well organized and have our finances under control. We are ahead by 2 months or more on all loans?,execept ?credit cards. We fell into a rough patch two years ago while trying to sell our house, but we closed on it last year and it is out of our names for good! The other past delinquent is from 5 years ago when I got my brother a cellphone, he neglected to pay, I cancelled the account, and the $200 bill was turned over to a collection agency (I have/will never do that again!). Our credit score has been steadily climbing and our debt is steadily declining each month.I atend to pay off my credit cards and our credit will climb even faster. We just need a break, can u please help us..
I
Monthly net income: $ 2700.00
Monthly expenses: $
??Housing: $ 312.00
??Insurance: $
??Car expenses: $ 299.00
??Utilities: $ 54.00
??Phone, cable, internet: $ 34.00
??Food, entertainment: $ 50.00
??Clothing, household expenses $ 40.00
??Credit cards and other loans: $ 200.0
??Other expenses: $
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
461617
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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:
| A |
Auction Duration:
| 7 days
|
Term:
| 36 months |
Estimated loss:
| 2.1% | | |
| | |
|
Starting lender yield:
| 17.00% |
Starting borrower rate/APR:
| 18.00% / 20.21% |
Starting monthly payment:
| $271.14 |
|
Auction yield range:
| 3.98% - 17.00% |
Estimated loss impact:
| 2.17% | | |
Lender servicing fee:
| 1.00% |
Estimated return:
| 14.83% | | |
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper scores:
| |
First credit line:
| Jun-1988 |
Debt/Income ratio:
| 29% |
Basic (1-10):
| 9 |
Inquiries last 6m:
| 1 | Employment status: | Full-time employee |
Enhanced (1-5): | 3 |
Current / open credit lines:
| 14
/
14 | Length of status: | 4y 5m |
Credit score:
| 720-739 (May-2010) |
Total credit lines:
| 45 |
Occupation: | Tradesman - Electri... |
Now delinquent:
| 0 |
Revolving credit balance:
| $78,619 | 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:
| willinvest |
Borrower's state:
| Virginia |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan history | Payment history | Credit score history |
Active / total loans:
| 0 / 1 |
On-time:
| 18 ( 100% )
| 720-739 (Latest)
|
Principal borrowed:
| $10,000.00 | < 31 days late:
| 0
( 0% )
| 720-739
(Apr-2010)
760-779
(Jun-2008)
760-779
(Oct-2007)
|
Principal balance:
| $0.00 |
31+ days late:
| 0
( 0% )
|
Total payments billed:
| 18 | | |
Description
PAY OFF CREDIT CARD DEBT
Purpose of loan:
This loan will be used to began paying off my debt
My financial situation:
I am a good candidate for this loan because I'm? responsible and I have already paid off a $10,000 Prosper loan.
Net income: $6500 My wife's is $2700
Housing- $986
Insurance-$115
Car expense-$495
Utilities-$120
Phone,cable,internet- free my wife works for the cable company
Food,entertainment-$400
Clothing,household expenses-$100
Credit cards-$400
other-HELOC-$500
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
461629
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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:
| 24.00% |
Starting borrower rate/APR:
| 25.00% / 27.31% |
Starting monthly payment:
| $198.80 |
|
Auction yield range:
| 16.98% - 24.00% |
Estimated loss impact:
| 19.38% | | |
Lender servicing fee:
| 1.00% |
Estimated return:
| 4.62% | | |
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper scores:
| |
First credit line:
| Aug-2004 |
Debt/Income ratio:
| 12% |
Basic (1-10):
| 4 |
Inquiries last 6m:
| 3 | Employment status: | Full-time employee |
Enhanced (1-5): | 4 |
Current / open credit lines:
| 4
/
4 | Length of status: | 0y 11m |
Credit score:
| 640-659 (Jun-2010) |
Total credit lines:
| 6 |
Occupation: | Construction |
Now delinquent:
| 0 |
Revolving credit balance:
| $168 | Stated income: | $25,000-$49,999 |
Amount delinquent:
| $0 |
Bankcard utilization:
| 22% | | |
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| No | | |
Delinquencies in last 7y:
| 0 | | | | |
Screen name:
| coin-whistle0 |
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
Honeymoon Money Needed
HoneyMoon
This loan will be used to pay for my honeymoon. I am planning on going on a Bahamas cruise.
I currently earn 2500/month gross. Just got a house. My combined income with my fiance is 3800 gross.
I do not owe anything on my car. My house loan is very low (1,000). And I hate getting in debt but need money for the honeymoon. Note that my total bills, household needs only come to about 1700-1800 max. Again, my net with my fiance (getting married on the 19th) is going to be 3100.
Monthly net income is 2000 (fluctuates up to 2300)
Excluding house i have 400 in bills, with house it is 1445/month
??Housing: $1045
??Insurance: $100
??Car expenses: $70 (gas and oil)
??Utilities: $80 (for two people)
??Phone, cable, internet: $ none
??Food, entertainment: $ 100
??Clothing, household expenses $150
??Credit cards and other loans: $100
??Other expenses: $100
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
461637
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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:
| 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:
| $323.61 |
|
Auction yield range:
| 3.98% - 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:
| Dec-1977 |
Debt/Income ratio:
| 32% |
Basic (1-10):
| 9 |
Inquiries last 6m:
| 0 | Employment status: | Full-time employee |
Enhanced (1-5): | 4 |
Current / open credit lines:
| 16
/
16 | Length of status: | 15y 11m |
Credit score:
| 760-779 (May-2010) |
Total credit lines:
| 41 |
Occupation: | Principal |
Now delinquent:
| 0 |
Revolving credit balance:
| $372,460 | Stated income: | $100,000+ |
Amount delinquent:
| $0 |
Bankcard utilization:
| 97% | | |
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| Yes | | |
Delinquencies in last 7y:
| 0 | | | | |
Screen name:
| new-intrepid-payment |
Borrower's state:
| California |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Description
Paying off Credit Cards
Purpose of loan:
This loan will be used to pay off my credit cards within three years.
My financial situation:
I am a good candidate for this loan because I have solid income and little chance of losing my job.? I am a middle school principal ans am looking to pay everything off so I can retire. I have 29 years in education and love it!? I also teach as an Adjunct Professor so I am doing everything I can to pay off my debt.
Monthly net income: $ 11,000+
Monthly expenses: $?10,000
??Housing: $ 3800
??Insurance: $ car- 150
??Car expenses: $?400?
??Utilities: $ 500
??Phone, cable, internet: $ 400
??Food, entertainment: $ 600
??Clothing, household expenses $ 400
??Credit cards and other loans: $ 2500
??Other expenses: $ 1250
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
461655
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount:
| $15,000.00 |
Prosper Rating:
| HR |
Auction Duration:
| 7 days
|
Term:
| 36 months |
Estimated loss:
| 34.5% | | |
| | |
|
Starting lender yield:
| 34.00% |
Starting borrower rate/APR:
| 35.00% / 37.45% |
Starting monthly payment:
| $678.54 |
|
Auction yield range:
| 16.98% - 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-2003 |
Debt/Income ratio:
| Self-employed (DTI Not Calculated) |
Basic (1-10):
| 1 |
Inquiries last 6m:
| 3 | Employment status: | Self-employed |
Enhanced (1-5): | 2 |
Current / open credit lines:
| 13
/
11 | Length of status: | 3y 3m |
Credit score:
| 660-679 (Jun-2010) |
Total credit lines:
| 26 |
Occupation: | Executive |
Now delinquent:
| 1 |
Revolving credit balance:
| $12,436 | Stated income: | $100,000+ |
Amount delinquent:
| $750 |
Bankcard utilization:
| 87% | | |
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| No | | |
Delinquencies in last 7y:
| 0 | | | | |
Screen name:
| worth-huckleberry |
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
Energy Efficiency Loan
Purpose of loan:
This loan will be used to fund current project in energy efficient lighting. We work with local utility companies and help?
utilize rebate programs they offer in energy efficient lighting.
My financial situation:
We have several branches across the US but most of our customers do not have the money to put up front. Ninety percent of the job cost is covered by utility company rebates which we don't get 4-6 weeks after job completion. We currently have a 22k pending retrofit project that we just can't fund at the moment. The delinquent of $750 listed on my credit file is in error. Please see attached letter sent by the financial institution. Just real people with real deal. Please consider us and let us show you how you can grow your 10k up to 13.5 k in a year. We own a home, a car with two little kids. We are rapidly expanding and just can't put out everything at this moment. Profit margin on this business is so big almost 100% that I am so confident I would get success in here. We need to get the ball rolling while all these money that the utility companies are giving away lasts.
Monthly net income: $ 25,000
Monthly expenses: $
??Housing: $ 2500
??Insurance: $
120
??Car expenses: $
1200
??Utilities: $
500
??Phone, cable, internet: $
160
??Food, entertainment: $
100
??Clothing, household expenses $100
??Credit cards and other loans: $
500
??Other expenses: $
300
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
461661
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount:
| $2,500.00 |
Prosper Rating:
| 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:
| $113.09 |
|
Auction yield range:
| 13.98% - 34.00% |
Estimated loss impact:
| 16.27% | | |
Lender servicing fee:
| 1.00% |
Estimated return:
| 17.73% | | |
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper scores:
| |
First credit line:
| Jan-1996 |
Debt/Income ratio:
| 22% |
Basic (1-10):
| 9 |
Inquiries last 6m:
| 0 | Employment status: | Full-time employee |
Enhanced (1-5): | 5 |
Current / open credit lines:
| 13
/
12 | Length of status: | 6y 8m |
Credit score:
| 600-619 (May-2010) |
Total credit lines:
| 18 |
Occupation: | Other |
Now delinquent:
| 0 |
Revolving credit balance:
| $12,909 | Stated income: | $50,000-$74,999 |
Amount delinquent:
| $0 |
Bankcard utilization:
| 94% | | |
Public records last 12m / 10y:
| 0/ 5 |
Homeownership:
| No | | |
Delinquencies in last 7y:
| 0 | | | | |
Screen name:
| sunrise7 |
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:
| 32 ( 100% )
| 600-619 (Latest)
|
Principal borrowed:
| $4,000.00 | < 31 days late:
| 0
( 0% )
| 600-619
(Aug-2007)
|
Principal balance:
| $558.35 |
31+ days late:
| 0
( 0% )
|
Total payments billed:
| 32 | | |
Description
2nd Prosper Loan for High CC Int.
Purpose of loan:
This loan will be used to payoff 2 high interest and high fee credit cards.
My financial situation:
I am a good candidate for this loan because I work full-time for the largest railroad in the USA.
I have a perfect payment history?on all my accounts for the last 6 years; including 32 perfect payments on my Prosper loan (only 4 payments to go!)
I have learned from my previous mistakes!?? Prior to my mistakes, I had excellent credit for over 20 years!
I believe in peer to peer lending!
I will not let you down!
Thank You for considering my loan!
Monthly net income: $ 3950
Monthly expenses: $ 3422
??Housing: $ 600
??Insurance: $ 62
??Car expenses: $ 835 (icludes loan, insurance and all other expenses)
??Utilities: $ 60
??Phone, cable, internet: $?200
??Food,?supplements: $?500
??Clothing, household expenses $ 50
??Credit cards and other loans: $?570
??Prosper loan: $ 145 (only 4 payments to go)
? Charities: $ 400
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
461667
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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:
| 27.38% |
Starting borrower rate/APR:
| 28.38% / 30.73% |
Starting monthly payment:
| $623.54 |
|
Auction yield range:
| 10.98% - 27.38% |
Estimated loss impact:
| 10.68% | | |
Lender servicing fee:
| 1.00% |
Estimated return:
| 16.70% | | |
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper scores:
| |
First credit line:
| Dec-1986 |
Debt/Income ratio:
| 30% |
Basic (1-10):
| 6 |
Inquiries last 6m:
| 0 | Employment status: | Full-time employee |
Enhanced (1-5): | 4 |
Current / open credit lines:
| 15
/
13 | Length of status: | 6y 7m |
Credit score:
| 700-719 (Jun-2010) |
Total credit lines:
| 45 |
Occupation: | Executive |
Now delinquent:
| 0 |
Revolving credit balance:
| $77,054 | Stated income: | $100,000+ |
Amount delinquent:
| $0 |
Bankcard utilization:
| 96% | | |
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| Yes | | |
Delinquencies in last 7y:
| 0 | | | | |
Screen name:
| Served23 |
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:
| 21 ( 100% )
| 700-719 (Latest)
|
Principal borrowed:
| $3,500.00 | < 31 days late:
| 0
( 0% )
| 660-679
(Jul-2008)
|
Principal balance:
| $1,700.64 |
31+ days late:
| 0
( 0% )
|
Total payments billed:
| 21 | | |
Description
Total debt elimination
Purpose of loan:
This loan will be used to?payoff an Amex account (currently paying 1900 a month on it) and several other smaller accounts to continue towards eliminating all debt.
My financial situation: Good
I am a good candidate for this loan because?I have a solid history of payments through Prosper, I have increased my credit score over the past 18 months by paying down debt (over 15000 in the past 12 months alone!). I am committed to getting debt free! I have excellent income and will have additional discretionary income as my car loans are paid off (Jan 2011 - 566.00 #1, Nov 2011 - 719.00 #2 - 1285.00 to be used for paying down other debt). My plan is to use one half the savings to continue paying down all outstanding debt. Through the snowball effect I will be debt free by the end of this loan. Even the higher interest rate of this prosper loan is not a deterrent as it reduces my net cash flow by over 1500 a month - that's where I am able to divert the difference towards smaller accounts and pay them off quicker.
Monthly net income: $ 8600
Monthly expenses: $ 6680.00
??Housing: $ 1405
??Insurance: $ 400
??Car expenses: $ 1285
??Utilities: $ 150
??Phone, cable, internet: $ 40
??Food, entertainment: $ 300
??Clothing, household expenses $ 100
??Credit cards and other loans: $ 3000
??Other expenses: $
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
461673
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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:
| 30.00% |
Starting borrower rate/APR:
| 31.00% / 33.39% |
Starting monthly payment:
| $258.01 |
|
Auction yield range:
| 16.98% - 30.00% |
Estimated loss impact:
| 19.76% | | |
Lender servicing fee:
| 1.00% |
Estimated return:
| 10.24% | | |
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments 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:
| 37% |
Basic (1-10):
| 5 |
Inquiries last 6m:
| 0 | Employment status: | Full-time employee |
Enhanced (1-5): | 4 |
Current / open credit lines:
| 6
/
6 | Length of status: | 5y 10m |
Credit score:
| 640-659 (May-2010) |
Total credit lines:
| 9 |
Occupation: | Police Officer/Corr... |
Now delinquent:
| 0 |
Revolving credit balance:
| $3,762 | Stated income: | $25,000-$49,999 |
Amount delinquent:
| $0 |
Bankcard utilization:
| 93% | | |
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| No | | |
Delinquencies in last 7y:
| 0 | | | | |
Screen name:
| dolphin295 |
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
Great Canditate
Purpose of loan:
This loan will be used to pay off all credit cards and my loan. I am a 29 year old supervisor for a security company and I am currently running three sites. We our expanding and our future looks very bright. I have been with this company soon to be 6 years. Job securtiy is extremely good. I am soon to be married and my future husband is an electrician and farmer. He is very good with money and I would like to come into the marriage debt free.
My financial situation:
I am a good candidate for this loan because I am always on time with my payments. I have no house payment but a few utlities and car payment. I canceled the same loan through a bank because I feel more comfortable and like the idea of Prosper rather than dealing with the financial institutions. This is my first loan through?Prosper?and I hope that its a good decision on my part.
Monthly net income: $ 1650 before overtime
Monthly expenses: $
??Housing: $ 0
??Insurance: $ 60
??Car expenses: $ 375
??Utilities: $ 158
??Phone, cable, internet: $?79
??Food, entertainment: $ 200
??Clothing, household expenses $ 100
??Credit cards and other loans: $?373
??Other expenses: $ 0
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
461679
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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:
| 10.98% - 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:
| Aug-1987 |
Debt/Income ratio:
| 24% |
Basic (1-10):
| 6 |
Inquiries last 6m:
| 1 | Employment status: | Full-time employee |
Enhanced (1-5): | 4 |
Current / open credit lines:
| 14
/
13 | Length of status: | 2y 0m |
Credit score:
| 700-719 (May-2010) |
Total credit lines:
| 30 |
Occupation: | Professional |
Now delinquent:
| 1 |
Revolving credit balance:
| $15,833 | Stated income: | $75,000-$99,999 |
Amount delinquent:
| $93 |
Bankcard utilization:
| 87% | | |
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| Yes | | |
Delinquencies in last 7y:
| 9 | | | | |
Screen name:
| leverage-cosmos |
Borrower's state:
| NewJersey |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Description
My personal loan
Need to make a property tax payment.? Plan to repay in full by October 2010.? Will be paying at least double the minimum payment until bonus check received in September.?? The account actually listed as deliquent is actually being disputed with the creditor that is why it is not paid.??
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
461691
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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:
| 27.38% |
Starting borrower rate/APR:
| 28.38% / 30.73% |
Starting monthly payment:
| $415.69 |
|
Auction yield range:
| 10.98% - 27.38% |
Estimated loss impact:
| 10.68% | | |
Lender servicing fee:
| 1.00% |
Estimated return:
| 16.70% | | |
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper scores:
| |
First credit line:
| May-1995 |
Debt/Income ratio:
| 34% |
Basic (1-10):
| 7 |
Inquiries last 6m:
| 0 | Employment status: | Full-time employee |
Enhanced (1-5): | 5 |
Current / open credit lines:
| 16
/
15 | Length of status: | 10y 11m |
Credit score:
| 720-739 (Jun-2010) |
Total credit lines:
| 29 |
Occupation: | Truck Driver |
Now delinquent:
| 0 |
Revolving credit balance:
| $24,624 | Stated income: | $75,000-$99,999 |
Amount delinquent:
| $0 |
Bankcard utilization:
| 62% | | |
Public records last 12m / 10y:
| 0/ 1 |
Homeownership:
| Yes | | |
Delinquencies in last 7y:
| 0 | | | | |
Screen name:
| melodious-auction0 |
Borrower's state:
| Indiana |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Description
startup business for a salon
Purpose of loan:?
Start up costs for new business ???? ????
This loan will be used to?
My financial situation:?
Very stable ???? ????
I am a good candidate for this loan because?
Monthly net income: $ 7800.00
Monthly expenses: $
$3200.00
??Housing: $
??Insurance: $
??Car expenses: $
??Utilities: $
??Phone, cable, internet: $
??Food, entertainment: $
??Clothing, household expenses $
??Credit cards and other loans: $
??Other expenses: $
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
461703
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount:
| $2,000.00 |
Prosper Rating:
| D |
Auction Duration:
| 7 days
|
Term:
| 36 months |
Estimated loss:
| 10.0% | | |
| | |
|
Starting lender yield:
| 25.38% |
Starting borrower rate/APR:
| 26.38% / 28.71% |
Starting monthly payment:
| $80.99 |
|
Auction yield range:
| 10.98% - 25.38% |
Estimated loss impact:
| 10.63% | | |
Lender servicing fee:
| 1.00% |
Estimated return:
| 14.75% | | |
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-1997 |
Debt/Income ratio:
| 47% |
Basic (1-10):
| 7 |
Inquiries last 6m:
| 0 | Employment status: | Full-time employee |
Enhanced (1-5): | 3 |
Current / open credit lines:
| 15
/
13 | Length of status: | 9y 2m |
Credit score:
| 680-699 (Jun-2010) |
Total credit lines:
| 44 |
Occupation: | Accountant/CPA |
Now delinquent:
| 0 |
Revolving credit balance:
| $858 | 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:
| 25 | | | | |
Screen name:
| thoughtful-benjamins1 |
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
build patio and landscape backyard
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
461709
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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:
| 8.0% | | |
| | |
|
Starting lender yield:
| 21.68% |
Starting borrower rate/APR:
| 22.68% / 24.95% |
Starting monthly payment:
| $173.44 |
|
Auction yield range:
| 7.98% - 21.68% |
Estimated loss impact:
| 8.51% | | |
Lender servicing fee:
| 1.00% |
Estimated return:
| 13.17% | | |
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments 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-1990 |
Debt/Income ratio:
| 32% |
Basic (1-10):
| 8 |
Inquiries last 6m:
| 1 | Employment status: | Full-time employee |
Enhanced (1-5): | 2 |
Current / open credit lines:
| 6
/
6 | Length of status: | 15y 1m |
Credit score:
| 700-719 (Jun-2010) |
Total credit lines:
| 9 |
Occupation: | Analyst |
Now delinquent:
| 0 |
Revolving credit balance:
| $32,182 | Stated income: | $50,000-$74,999 |
Amount delinquent:
| $0 |
Bankcard utilization:
| 95% | | |
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| Yes | | |
Delinquencies in last 7y:
| 0 | | | | |
Screen name:
| wampum-judo |
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 down cc debt
Hello and thank you for considering my loan request.
Purpose of loan:?? I will use this loan to pay down debt on my?credit cards.? I would like to pay off part of the?debt?at a fixed intrest rate and over a fixed amount of time.
My financial situation:?? I am a good candidate for this loan because I do not miss payments and I have a stable,?full time job? (at a state government agency)
Monthly income:?? $3,400? after taxes?? (my individual?monthly income)
Monthly?expenses:
?? *?Mortgage = $770/mo
???* Credit card payments = $500/mo? (outstanding balances $30,000?
?? * Car loan = None (car is paid for)
?? * Food / groceries = $300/mo?
?? * Utilities = $175/mo
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
461715
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount:
| $10,500.00 |
Prosper Rating:
| B |
Auction Duration:
| 7 days
|
Term:
| 36 months |
Estimated loss:
| 5.0% | | |
| | |
|
Starting lender yield:
| 7.50% |
Starting borrower rate/APR:
| 8.50% / 10.59% |
Starting monthly payment:
| $331.46 |
|
Auction yield range:
| 5.98% - 7.50% |
Estimated loss impact:
| 5.11% | | |
Lender servicing fee:
| 1.00% |
Estimated return:
| 2.39% | | |
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:
| Oct-1983 |
Debt/Income ratio:
| 22% |
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: | 0y 7m |
Credit score:
| 740-759 (Jun-2010) |
Total credit lines:
| 17 |
Occupation: | Accountant/CPA |
Now delinquent:
| 0 |
Revolving credit balance:
| $9,660 | Stated income: | $50,000-$74,999 |
Amount delinquent:
| $0 |
Bankcard utilization:
| 31% | | |
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| No | | |
Delinquencies in last 7y:
| 0 | | | | |
Screen name:
| p2ploan-broker |
Borrower's state:
| NewYork |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Description
Paying off credit cards for good
Purpose of loan:
The purpose of this loan is to finally and completely payoff my credit card debt. I have been making consistent monthly payments for years and yet I feel like I have hardly made a dent in the balance due to finance charges.
My financial situation:
I always make my monthly payments on a timely basis and I have a good job which is not based on commission or bonuses.
Monthly net income: $ 3,500
Monthly expenses: $
??Housing: $ 800
??Insurance: $
??Car expenses: $ 400
??Utilities: $?
??Phone, cable, internet: $ 150
??Food, entertainment: $
??Clothing, household expenses $
??Credit cards and other loans: $
??Other expenses: $
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
461721
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount:
| $4,499.00 |
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:
| $181.87 |
|
Auction yield range:
| 10.98% - 25.25% |
Estimated loss impact:
| 10.62% | | |
Lender servicing fee:
| 1.00% |
Estimated return:
| 14.63% | | |
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper scores:
| |
First credit line:
| Feb-2004 |
Debt/Income ratio:
| 6% |
Basic (1-10):
| 7 |
Inquiries last 6m:
| 0 | Employment status: | Full-time employee |
Enhanced (1-5): | 5 |
Current / open credit lines:
| 5
/
4 | Length of status: | 6y 5m |
Credit score:
| 700-719 (Jun-2010) |
Total credit lines:
| 7 |
Occupation: | Psychologist |
Now delinquent:
| 0 |
Revolving credit balance:
| $2,472 | Stated income: | $50,000-$74,999 |
Amount delinquent:
| $0 |
Bankcard utilization:
| 84% | | |
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| No | | |
Delinquencies in last 7y:
| 0 | | | | |
Screen name:
| blissful-finance7 |
Borrower's state:
| California |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Description
Paying off all my debt
Purpose of loan:
This loan will be used to pay of my high interest rate Walmart, Visa and billmelater acct.
My financial situation:
I am a good candidate for this loan because I am Full Time and should be getting bumped up to supervisor with the next available opening. I have never defaulted on anything in my life and would rather take out this loan then borrowing from my 401k
Monthly net income: $3000+ (depending on O.T.) holidays - On track to make over $54,000 this year
Monthly expenses: $
??Housing: $
1080
??Insurance: $
81
??Car expenses: $
0 I own the pink slip on my 2007 vehicle
??Utilities: $
100
??Phone, cable, internet: $
120
??Food, entertainment: $
300
??Clothing, household expenses $
100
??Credit cards and other loans: $ 100 (Just my student loan would be remaining which I pay $100)
??Other expenses: $
300
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
461727
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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:
| 6.5% | | |
| | |
|
Starting lender yield:
| 18.90% |
Starting borrower rate/APR:
| 19.90% / 22.14% |
Starting monthly payment:
| $148.45 |
|
Auction yield range:
| 7.98% - 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:
| Jul-1998 |
Debt/Income ratio:
| 30% |
Basic (1-10):
| 9 |
Inquiries last 6m:
| 0 | Employment status: | Full-time employee |
Enhanced (1-5): | 5 |
Current / open credit lines:
| 11
/
11 | Length of status: | 4y 7m |
Credit score:
| 660-679 (Jun-2010) |
Total credit lines:
| 23 |
Occupation: | Other |
Now delinquent:
| 0 |
Revolving credit balance:
| $11,329 | Stated income: | $50,000-$74,999 |
Amount delinquent:
| $0 |
Bankcard utilization:
| 60% | | |
Public records last 12m / 10y:
| 0/ 1 |
Homeownership:
| No | | |
Delinquencies in last 7y:
| 0 | | | | |
Screen name:
| Kkoester |
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
Putting in new air and heat
Purpose of loan:
This loan will be used to put in air and heat in my home that we just rehabbed.
My financial situation:
I am a good candidate for this loan because I have gotten all my ducks in a row. I am 31 year old female and have gotten a great job and just finishing paying of?a land contract on a home I have had rehabbed. I need $4000 additional to finish the heating and air.?
Monthly net income: $ 4800
Monthly expenses: $
??Housing: $ 285????
??Insurance: $ 150
??Car expenses: $485
??Utilities: $ 350
??Phone, cable, internet: $120
??Food, entertainment: $ 250
??Clothing, household expenses $ 250
??Credit cards and other loans: $?100
??Other expenses: $ 350
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
461733
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount:
| $3,300.00 |
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:
| $133.40 |
|
Auction yield range:
| 10.98% - 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:
| Jan-2003 |
Debt/Income ratio:
| 16% |
Basic (1-10):
| 8 |
Inquiries last 6m:
| 3 | Employment status: | Full-time employee |
Enhanced (1-5): | 5 |
Current / open credit lines:
| 9
/
8 | Length of status: | 4y 0m |
Credit score:
| 660-679 (Jun-2010) |
Total credit lines:
| 17 |
Occupation: | Nurse (RN) |
Now delinquent:
| 1 |
Revolving credit balance:
| $13,550 | Stated income: | $50,000-$74,999 |
Amount delinquent:
| $369 |
Bankcard utilization:
| 8% | | |
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| Yes | | |
Delinquencies in last 7y:
| 0 | | | | |
Screen name:
| compassion-mover |
Borrower's state:
| Missouri |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan history | Payment history | Credit score history |
Active / total loans:
| 1 / 1 |
On-time:
| 9 ( 100% )
| 660-679 (Latest)
|
Principal borrowed:
| $3,000.00 | < 31 days late:
| 0
( 0% )
| 660-679
(Aug-2009)
|
Principal balance:
| $2,296.08 |
31+ days late:
| 0
( 0% )
|
Total payments billed:
| 9 | | |
Description
paying off credit cards
Purpose of loan:
This loan will used to get out of high interest debt.
My financial situation:
I am a good candidate for this loan because i pay all my bills on time, have a stable job as an RN that the economy has not effected, and will have no trouble paying off the loan.
Monthly net income: $
5000
Monthly expenses: $
??Housing: $
1000
??Insurance: $ 100
??Car expenses: $ 200
??Utilities: $ 160
??Phone, cable, internet: $
100
??Food, entertainment: $
250
??Clothing, household expenses $
100
??Credit cards and other loans: $ 400
??Other expenses: $
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
461763
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount:
| $1,400.00 |
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% / 22.57% |
Starting monthly payment:
| $51.96 |
|
Auction yield range:
| 7.98% - 18.90% |
Estimated loss impact:
| 6.94% | | |
Lender servicing fee:
| 1.00% |
Estimated return:
| 11.96% | | |
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper scores:
| |
First credit line:
| Aug-1987 |
Debt/Income ratio:
| 26% |
Basic (1-10):
| 9 |
Inquiries last 6m:
| 0 | Employment status: | Full-time employee |
Enhanced (1-5): | 4 |
Current / open credit lines:
| 8
/
7 | Length of status: | 2y 2m |
Credit score:
| 680-699 (Jun-2010) |
Total credit lines:
| 22 |
Occupation: | Skilled Labor |
Now delinquent:
| 0 |
Revolving credit balance:
| $30,598 | Stated income: | $25,000-$49,999 |
Amount delinquent:
| $0 |
Bankcard utilization:
| 97% | | |
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| Yes | | |
Delinquencies in last 7y:
| 0 | | | | |
Screen name:
| proper-kindness3 |
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
paying off 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
461769
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount:
| $1,200.00 |
Prosper Rating:
| HR |
Auction Duration:
| 7 days
|
Term:
| 36 months |
Estimated loss:
| 18.0% | | |
| | |
|
Starting lender yield:
| 34.00% |
Starting borrower rate/APR:
| 35.00% / 38.44% |
Starting monthly payment:
| $54.28 |
|
Auction yield range:
| 16.98% - 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-2008 |
Debt/Income ratio:
| Self-employed (DTI Not Calculated) |
Basic (1-10):
| 5 |
Inquiries last 6m:
| 2 | Employment status: | Self-employed |
Enhanced (1-5): | 1 |
Current / open credit lines:
| 1
/
0 | Length of status: | 0y 9m |
Credit score:
| 660-679 (Jun-2010) |
Total credit lines:
| 2 |
Occupation: | Student - Community... |
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:
| commerce-drum |
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
Trying to get back home.
The purpose of my loan request is to try to get back home. I have stocks but I do not wish to sell any at this time, it would be a bad move on my part. I just need a personal loan so I can get myself back home, to Omaha, Nebraska.
Information in the Description is not verified.