Listing Report:Supplement No. 263 dated Jun 14, 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
422835
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount:
| $4,377.00 |
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:
| $158.20 |
|
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:
| May-1993 |
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:
| 6
/
6 | Length of status: | 12y 0m |
Credit score:
| 740-759 (Jun-2010) |
Total credit lines:
| 36 |
Occupation: | Administrative Assi... |
Now delinquent:
| 3 |
Revolving credit balance:
| $286 | Stated income: | $25,000-$49,999 |
Amount delinquent:
| $8,697 |
Bankcard utilization:
| 22% | | |
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| No | | |
Delinquencies in last 7y:
| 29 | | | | |
Screen name:
| GOLDENGIRL011160 |
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:
| 1 / 1 |
On-time:
| 26 ( 100% )
| 740-759 (Latest)
|
Principal borrowed:
| $1,031.00 | < 31 days late:
| 0
( 0% )
| 740-759
(Jul-2009)
780-799
(Feb-2008)
|
Principal balance:
| $311.63 |
31+ days late:
| 0
( 0% )
|
Total payments billed:
| 26 | | |
Description
Pressing On- Phil.3:13-14
Purpose of loan:
In 2006 I choose to go through a credit counseling company to help with debt from a divorce.? I have paid off the largest debt and am whittling away to pay all of them off completely.? I have the opportunity to pay off another creditor however am in need of a loan for this transaction to happen.? I have remarried and am in a much better and secure financial situation.? I have learned how your credit history is so important and I am trying to restore mine.? Please give me that opportunity.? As with my first Prosper loan, I will not disappoint you.? Thank You? Please contact me should you have any questions.
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
451947
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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:
| 16.98% |
Starting borrower rate/APR:
| 17.98% / 20.19% |
Starting monthly payment:
| $542.14 |
|
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-1999 |
Debt/Income ratio:
| 27% |
Basic (1-10):
| 1 |
Inquiries last 6m:
| 3 | Employment status: | Full-time employee |
Enhanced (1-5): | 2 |
Current / open credit lines:
| 5
/
4 | Length of status: | 6y 6m |
Credit score:
| 640-659 (Jun-2010) |
Total credit lines:
| 23 |
Occupation: | Military Enlisted |
Now delinquent:
| 1 |
Revolving credit balance:
| $2,525 | Stated income: | $25,000-$49,999 |
Amount delinquent:
| $0 |
Bankcard utilization:
| 0% | | |
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| Yes | | |
Delinquencies in last 7y:
| 2 | | | | |
Screen name:
| credit-web2 |
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 daughters Medical Bills
Purpose of loan:
This loan will help me stock my pet store
My financial situation:
???My daughter is having medical issues and I can't pay them right now.. please call me ...This is real. 253.970.9074
Monthly net income: $ 40,000
Monthly expenses: $
??Housing: $ 1,500
??Insurance: $?150.00
??Car expenses: $ 100.00
??Utilities: $ 260.00
??Phone, cable, internet: $?80.00
??Food, entertainment: $ 0
??Clothing, household expenses $ 0
??Credit cards and other loans: $ 0
??Other expenses: $ 0
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
453285
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount:
| $6,000.00 |
Prosper Rating:
| D |
Auction Duration:
| 7 days
|
Term:
| 36 months |
Estimated loss:
| 10.0% | | |
| | |
|
Starting lender yield:
| 26.25% |
Starting borrower rate/APR:
| 27.25% / 29.59% |
Starting monthly payment:
| $245.76 |
|
Auction yield range:
| 10.98% - 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:
| Nov-1992 |
Debt/Income ratio:
| 8% |
Basic (1-10):
| 8 |
Inquiries last 6m:
| 0 | Employment status: | Full-time employee |
Enhanced (1-5): | 5 |
Current / open credit lines:
| 5
/
5 | Length of status: | 9y 0m |
Credit score:
| 640-659 (Jun-2010) |
Total credit lines:
| 16 |
Occupation: | Engineer - Mechanic... |
Now delinquent:
| 0 |
Revolving credit balance:
| $2,079 | Stated income: | $75,000-$99,999 |
Amount delinquent:
| $0 |
Bankcard utilization:
| 63% | | |
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| Yes | | |
Delinquencies in last 7y:
| 2 | | | | |
Screen name:
| august90 |
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:
| 8 ( 31% )
| 640-659 (Latest)
|
Principal borrowed:
| $3,000.00 | < 31 days late:
| 17
( 65% )
| 560-579
(Mar-2008)
|
Principal balance:
| $1,231.79 |
31+ days late:
| 1
( 4% )
|
Total payments billed:
| 26 | | |
Description
remodeling of Bathroom
Purpose of loan:
This loan will be used to? remodel the bathroom, installation of new walls for the shower\tub and the floor.
My financial situation:
I am a good candidate for this?loan due to my past experience with Prosper,I want to refinance my home loan for a lower rate in the near future but cannot at this time.this loan will help build up? my history as well as the value of my home.
Monthly net income: $ 4800.0
Monthly expenses: $
??Housing: $ 1500
??Insurance: $ 225.
??Car expenses: $ 300
??Utilities: $ 300
??Phone, cable, internet: $?200
??Food, entertainment: $ 300
??Clothing, household expenses $ 200
??Credit cards and other loans: $ 600.
??Other expenses: $
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
460537
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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:
| AA |
Auction Duration:
| 7 days
|
Term:
| 36 months |
Estimated loss:
| 1.5% | | |
| | |
|
Starting lender yield:
| 6.00% |
Starting borrower rate/APR:
| 7.00% / 7.34% |
Starting monthly payment:
| $617.54 |
|
Auction yield range:
| 2.98% - 6.00% |
Estimated loss impact:
| 1.50% | | |
Lender servicing fee:
| 1.00% |
Estimated return:
| 4.50% | | |
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-1997 |
Debt/Income ratio:
| 65% |
Basic (1-10):
| 7 |
Inquiries last 6m:
| 0 | Employment status: | Full-time employee |
Enhanced (1-5): | 3 |
Current / open credit lines:
| 16
/
14 | Length of status: | 1y 3m |
Credit score:
| 800-819 (May-2010) |
Total credit lines:
| 47 |
Occupation: | Clerical |
Now delinquent:
| 0 |
Revolving credit balance:
| $62,259 | Stated income: | $25,000-$49,999 |
Amount delinquent:
| $0 |
Bankcard utilization:
| 50% | | |
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| Yes | | |
Delinquencies in last 7y:
| 0 | | | | |
Screen name:
| blue-rate-leather |
Borrower's state:
| Florida |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Description
My Debt Consolidation
Purpose of loan:
This loan will be used to consolidate 6 credit card balances to pay off within 3 yrs.? Most cards have fixed rates of between 3.99% and 6.99% others are variable at around 12.99%. Curently I am paying out approxiamnetly $600/ month and pay more then the minimum.
My financial situation:
I am a good candidate for this loan because I pay all my bills on time and have a good credit score.? I am just looking for a way to have 1 monthly fixed payment every month to pay these cards off.
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
460783
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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:
| 28.99% |
Starting borrower rate/APR:
| 29.99% / 32.37% |
Starting monthly payment:
| $339.57 |
|
Auction yield range:
| 16.98% - 28.99% |
Estimated loss impact:
| 19.69% | | |
Lender servicing fee:
| 1.00% |
Estimated return:
| 9.30% | | |
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments 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:
| 53% |
Basic (1-10):
| 5 |
Inquiries last 6m:
| 1 | Employment status: | Full-time employee |
Enhanced (1-5): | 2 |
Current / open credit lines:
| 12
/
11 | Length of status: | 3y 2m |
Credit score:
| 640-659 (Jun-2010) |
Total credit lines:
| 32 |
Occupation: | Accountant/CPA |
Now delinquent:
| 0 |
Revolving credit balance:
| $21,144 | Stated income: | $25,000-$49,999 |
Amount delinquent:
| $0 |
Bankcard utilization:
| 91% | | |
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| Yes | | |
Delinquencies in last 7y:
| 0 | | | | |
Screen name:
| girlycue1 |
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
PLEASE HELP!!! WE NEED A NEW ROOF!
Purpose of loan:
We desperately need a new roof.? It leaks, and we are unable to get approved for anything from banks, etc.? Any help you could give us would be greatly appreciated.
My financial situation:
I am a good candidate for this loan because I work hard (have three jobs), and I am a good person.? I always put others before myself and treat others the way I would want to be treated.? I have made mistakes with $$ in the past (putting my wedding on credit cards, etc.), but I have completely changed my spending habits around since and think I deserve a break.? Especially with something as important as a roof!
I am married (and have been for 6 years).? I have a three year old daughter.? We work so hard, that I just want to be able to live a quality life and be able to afford the necessities.
Monthly net income:? husband + myself =? $5000
Monthly expenses: $
??Housing: $
1463
??Insurance: $
100
??Car expenses: $ 300
??Utilities: $
350
??Phone, cable, internet: $
200
??Food, entertainment: $
200
??Clothing, household expenses $
100
??Credit cards and other loans: $ 1000
? Daycare: $
400
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
461663
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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:
| 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:
| $328.23 |
|
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:
| Jul-1994 |
Debt/Income ratio:
| Self-employed (DTI Not Calculated) |
Basic (1-10):
| 6 |
Inquiries last 6m:
| 0 | Employment status: | Self-employed |
Enhanced (1-5): | 4 |
Current / open credit lines:
| 10
/
9 | Length of status: | 5y 9m |
Credit score:
| 700-719 (Jun-2010) |
Total credit lines:
| 50 |
Occupation: | Student - College G... |
Now delinquent:
| 0 |
Revolving credit balance:
| $21,919 | Stated income: | $25,000-$49,999 |
Amount delinquent:
| $0 |
Bankcard utilization:
| 55% | | |
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| No | | |
Delinquencies in last 7y:
| 0 | | | | |
Screen name:
| newest-healthy-moola |
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
BodyStories Touring/Advancement Opp
BodyStories has a rare opportunity for career advancement. We were selected by the most well-known agent in the dance field, Jodi Kaplan, to perform in Scotland this summer in her critically acclaimed, ?Booking Dance Festival.? Jodee Nimerichter, the director of ADF (the most renowned dance festival worldwide), is co-directing this festival. Kaplan has scheduled 2,000 international promoters to see us perform and book us for future paid engagements. We have also been recently signed to Kaplan?s Artist Roster, where we will receive consistent, highly paid performance and teaching opportunities internationally. Participation in this festival is a large financial investment for us because we must cover half of our expenses.
Since our 2004 inception, we have performed at Baryshnikov Arts Center, Jacob?s Pillow, Bryant Park SummerStage, NYU, The Public Theater, Phish?s Coventry Festival, and Les Reuteleu Festival in Lyon, France, among others. I am a strong candidate for this loan because my teaching artist salary is $50-100,000 and I live under minimal expenses. Furthermore, our company is contracted with Kaplan for several future highly paid performances.
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
461927
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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:
| Oct-1976 |
Debt/Income ratio:
| 22% |
Basic (1-10):
| 4 |
Inquiries last 6m:
| 0 | Employment status: | Retired |
Enhanced (1-5): | 3 |
Current / open credit lines:
| 11
/
9 | Length of status: | 12y 5m |
Credit score:
| 640-659 (May-2010) |
Total credit lines:
| 41 | Stated income: | $50,000-$74,999 |
Now delinquent:
| 7 |
Revolving credit balance:
| $1,503 | |
Amount delinquent:
| $18,651 |
Bankcard utilization:
| 11% | | |
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| No | | |
Delinquencies in last 7y:
| 44 | | | | |
Screen name:
| goldmnr |
Borrower's state:
| California |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Description
pay off a high interest loan
Purpose of loan:
This loan will be used to?pay off a high interest loan with hfc?my payments are 250.00 now and have never missed a payment,just want to get rid of the high interest rate
My financial situation:
I am a good candidate for this loan because? i am retired with a fixed income of 4200 p/m tax free (disability from viet nam) my deliq. are from a divorce and are over 3 years old my current bills are current no late fees and paid on time and almost all credit cards paid off
Monthly net income: $ 4227
Monthly expenses: $
??Housing: $ 500
??Insurance: $
??Car expenses: $
??Utilities: $
??Phone, cable, internet: $ 100
??Food, entertainment: $ 400
??Clothing, household expenses $
??Credit cards and other loans: $ 100
??Other expenses: $
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
462221
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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:
| Dec-1998 |
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:
| 10
/
9 | Length of status: | 0y 5m |
Credit score:
| 680-699 (Jun-2010) |
Total credit lines:
| 20 |
Occupation: | Other |
Now delinquent:
| 0 |
Revolving credit balance:
| $10,459 | Stated income: | $25,000-$49,999 |
Amount delinquent:
| $0 |
Bankcard utilization:
| 86% | | |
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| No | | |
Delinquencies in last 7y:
| 0 | | | | |
Screen name:
| golden-silver6 |
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
Pay off credit cards
Purpose of loan:
This loan will be used to?pay off debt. I?am going back to school (on-line) to further my education ?
My financial situation:
I am a good candidate for this loan because I do work full-time and I must maintain a good credit score to maintain my current employment.
Monthly net income: $ 2,000
Monthly expenses: $
??Housing: $ 0 - house paid for
??Insurance: $ 120
??Car expenses: $?70 (gas) (work 3 minutes from house)
??Utilities: $ 80
??Phone, cable, internet: $ 65
??Food, entertainment: $ 150
??Clothing, household expenses $ 50
??Credit cards and other loans: $?250
??Other expenses: $ 50
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
462223
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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:
| 8.5% | | |
| | |
|
Starting lender yield:
| 22.56% |
Starting borrower rate/APR:
| 23.56% / 25.85% |
Starting monthly payment:
| $195.01 |
|
Auction yield range:
| 7.98% - 22.56% |
Estimated loss impact:
| 9.03% | | |
Lender servicing fee:
| 1.00% |
Estimated return:
| 13.53% | | |
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper scores:
| |
First credit line:
| Jun-1993 |
Debt/Income ratio:
| Not calculated |
Basic (1-10):
| 4 |
Inquiries last 6m:
| 1 | Employment status: | Full-time employee |
Enhanced (1-5): | 4 |
Current / open credit lines:
| 14
/
12 | Length of status: | 7y 10m |
Credit score:
| 760-779 (Jun-2010) |
Total credit lines:
| 27 |
Occupation: | Food Service Manage... |
Now delinquent:
| 0 |
Revolving credit balance:
| $1,381 | Stated income: | $1-$24,999 |
Amount delinquent:
| $0 |
Bankcard utilization:
| 7% | | |
Public records last 12m / 10y:
| 0/ 2 |
Homeownership:
| Yes | | |
Delinquencies in last 7y:
| 0 | | | | |
Screen name:
| enriching-return8 |
Borrower's state:
| WestVirginia |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from 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
462229
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount:
| $14,000.00 |
Prosper Rating:
| 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:
| $453.06 |
|
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:
| Jul-1991 |
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: | 2y 5m |
Credit score:
| 780-799 (Jun-2010) |
Total credit lines:
| 27 |
Occupation: | Executive |
Now delinquent:
| 0 |
Revolving credit balance:
| $42,995 | Stated income: | $100,000+ |
Amount delinquent:
| $0 |
Bankcard utilization:
| 16% | | |
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| Yes | | |
Delinquencies in last 7y:
| 0 | | | | |
Screen name:
| handy-dime7 |
Borrower's state:
| Virginia |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Description
Paying off credit cards
Purpose of loan:
Payoff and consolidate one credit card and two car loans.? My wife and I have made a commitment to get out of debt and the first step will be to stop all future credit card usage.? Then, we plan to continue our budget until this loan and her student loan are fully paid off.?
My financial situation:
I am a good candidate for this loan because we have never been late on a payment...ever.? I have a great income and my wife has a couple great teaching opportunities this Fall semester that will get us toward our goal of being debt free by 2013.? We had several large expenses with our wedding, but now are determined to build equity and a debt-free life.
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
462233
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount:
| $6,500.00 |
Prosper Rating:
| A |
Auction Duration:
| 7 days
|
Term:
| 36 months |
Estimated loss:
| 2.1% | | |
| | |
|
Starting lender yield:
| 6.50% |
Starting borrower rate/APR:
| 7.50% / 9.58% |
Starting monthly payment:
| $202.19 |
|
Auction yield range:
| 3.98% - 6.50% |
Estimated loss impact:
| 2.11% | | |
Lender servicing fee:
| 1.00% |
Estimated return:
| 4.39% | | |
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper scores:
| |
First credit line:
| Mar-1995 |
Debt/Income ratio:
| 39% |
Basic (1-10):
| 9 |
Inquiries last 6m:
| 0 | Employment status: | Full-time employee |
Enhanced (1-5): | 3 |
Current / open credit lines:
| 9
/
9 | Length of status: | 11y 0m |
Credit score:
| 740-759 (Jun-2010) |
Total credit lines:
| 20 |
Occupation: | Tradesman - Plumber |
Now delinquent:
| 0 |
Revolving credit balance:
| $49,820 | Stated income: | $25,000-$49,999 |
Amount delinquent:
| $0 |
Bankcard utilization:
| 56% | | |
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| Yes | | |
Delinquencies in last 7y:
| 0 | | | | |
Screen name:
| elevated-order3 |
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
Loan to pay off high rate card
Purpose of loan:
This loan will be used to? Pay off a high interest rate credit card.
My financial situation:
I am a good candidate for this loan because? I have good credit score and have never defaulted on a loan.
I have been thinking about prosper for some time now but just never joined up. Now I figure why not pay the interest to people instead of the credit card companies. I got married last year and we have been serious on paying down our credit cards. We paid down over 3000.00 in last 6 months.
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
462245
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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 Improvment 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
462253
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount:
| $7,500.00 |
Prosper Rating:
| C |
Auction Duration:
| 7 days
|
Term:
| 36 months |
Estimated loss:
| 8.0% | | |
| | |
|
Starting lender yield:
| 22.68% |
Starting borrower rate/APR:
| 23.68% / 25.97% |
Starting monthly payment:
| $292.99 |
|
Auction yield range:
| 7.98% - 22.68% |
Estimated loss impact:
| 8.54% | | |
Lender servicing fee:
| 1.00% |
Estimated return:
| 14.14% | | |
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper scores:
| |
First credit line:
| Dec-1986 |
Debt/Income ratio:
| 27% |
Basic (1-10):
| 8 |
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
Tuition Help and business startup
Purpose of loan:
This loan will be used to?pay the balance on my daughter's college tuition bill (and payoff my existing prosper loan - with a small amount (250.00) used to start an internet based business. The college expects payment in full be Nov 1. My annual bonus (6500) is paid in December. I need this loan to meet their schedule. The internet business has the potential to generate several thousand dollars of business a month (providing resources to financial institutions).
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 (#1 - Jan 2011 - 566.00, #2 - Nov 2011 - 719.00 - 1285.00 to be used for paying down other debt). I also receive an annual bonus in Dec of each year of 6500 and as a minority owner in an LLC I also share in the profits of the LLC (the smallest amount in the past 10 years has been 8700 - paid in March of each year). I recently started a personal debt reduction plan that is known as the snowball. As I pay off an account I apply that payment to the next account. Through the snowball effect I will be debt free by the end of this loan. I will be using the proceeds of this loan to pay the college - pay off three small CCs and then start the snowballing of my debt - and a small amount will be used to setup an internet based business providing a service to financial institutions. The annual bonus and spring profit checks will be applied to outstanding debt as well.
My LLC is debt free and has grown by at least 5% annually for the past 10 years! I have a solid job and excellent income - but due to a 23 year career in the military I have little or no savings and have incurred a high cc debt. A debt that I am now eliminating. This loan is a continuation of that effort. And it helps get my child through her first year in college ( I will be paying for subsequent years through a combination of cash and student loans).
Monthly net income: $ 8600
Monthly expenses: $ 6367.00
??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: $ 2687
??Other expenses: $
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
462257
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount:
| $5,000.00 |
Prosper Rating:
| A |
Auction Duration:
| 7 days
|
Term:
| 36 months |
Estimated loss:
| 2.1% | | |
| | |
|
Starting lender yield:
| 8.20% |
Starting borrower rate/APR:
| 9.20% / 11.30% |
Starting monthly payment:
| $159.46 |
|
Auction yield range:
| 3.98% - 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:
| Jul-1990 |
Debt/Income ratio:
| 39% |
Basic (1-10):
| 9 |
Inquiries last 6m:
| 1 | Employment status: | Full-time employee |
Enhanced (1-5): | 4 |
Current / open credit lines:
| 10
/
7 | Length of status: | 22y 3m |
Credit score:
| 760-779 (Jun-2010) |
Total credit lines:
| 21 |
Occupation: | Civil Service |
Now delinquent:
| 0 |
Revolving credit balance:
| $14,378 | Stated income: | $50,000-$74,999 |
Amount delinquent:
| $0 |
Bankcard utilization:
| 41% | | |
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| Yes | | |
Delinquencies in last 7y:
| 0 | | | | |
Screen name:
| jujbc |
Borrower's state:
| Wyoming |
Borrower's group:
| N/A |
Credit and homeownership information was obtained 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% )
| 760-779 (Latest)
|
Principal borrowed:
| $10,250.00 | < 31 days late:
| 0
( 0% )
| 760-779
(Dec-2006)
|
Principal balance:
| $0.02 |
31+ days late:
| 0
( 0% )
|
Total payments billed:
| 35 | | |
Description
Daughter chosen for European band
Purpose of loan:
This loan will be used to fund a European tour for my daughter.? She was chosen to represent my state in a 3 week band tour of Europe.? This is a once in a lifetime opportunity and I really don't want her to miss the chance because I do not have enough cash on hand.?
My financial situation:
I am a good candidate for this loan because I pay my bills on time.? I have a good income from 3 steady jobs, one full time salaried, one part time salaried, and one hourly part time.? I just do not have any money saved at this time.?
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
462265
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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:
| 34.00% |
Starting borrower rate/APR:
| 35.00% / 37.45% |
Starting monthly payment:
| $339.27 |
|
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:
| Self-employed (DTI Not Calculated) |
Basic (1-10):
| 4 |
Inquiries last 6m:
| 2 | Employment status: | Self-employed |
Enhanced (1-5): | 3 |
Current / open credit lines:
| 6
/
5 | Length of status: | 5y 7m |
Credit score:
| 680-699 (Jun-2010) |
Total credit lines:
| 8 |
Occupation: | Other |
Now delinquent:
| 0 |
Revolving credit balance:
| $7,237 | Stated income: | $25,000-$49,999 |
Amount delinquent:
| $0 |
Bankcard utilization:
| 65% | | |
Public records last 12m / 10y:
| 0/ 3 |
Homeownership:
| No | | |
Delinquencies in last 7y:
| 0 | | | | |
Screen name:
| boss744 |
Borrower's state:
| NewJersey |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Description
Paying off my credit cards
Purpose of loan:
This loan will be used to?
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
462269
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount:
| $2,500.00 |
Prosper Rating:
| AA |
Auction Duration:
| 7 days
|
Term:
| 36 months |
Estimated loss:
| 1.5% | | |
| | |
|
Starting lender yield:
| 7.48% |
Starting borrower rate/APR:
| 8.48% / 8.82% |
Starting monthly payment:
| $78.90 |
|
Auction yield range:
| 2.98% - 7.48% |
Estimated loss impact:
| 1.50% | | |
Lender servicing fee:
| 1.00% |
Estimated return:
| 5.98% | | |
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper scores:
| |
First credit line:
| Jan-1991 |
Debt/Income ratio:
| Not calculated |
Basic (1-10):
| 9 |
Inquiries last 6m:
| 1 | Employment status: | Full-time employee |
Enhanced (1-5): | 4 |
Current / open credit lines:
| 14
/
13 | Length of status: | 3y 4m |
Credit score:
| 800-819 (Jun-2010) |
Total credit lines:
| 29 |
Occupation: | Professional |
Now delinquent:
| 1 |
Revolving credit balance:
| $3,944 | Stated income: | $25,000-$49,999 |
Amount delinquent:
| $0 |
Bankcard utilization:
| 9% | | |
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| Yes | | |
Delinquencies in last 7y:
| 4 | | | | |
Screen name:
| GoBusinessGuy |
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
Help Business Grow to Next Level
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
462277
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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:
| 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:
| 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-1993 |
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:
| 17
/
14 | Length of status: | 1y 11m |
Credit score:
| 740-759 (Jun-2010) |
Total credit lines:
| 34 |
Occupation: | Retail Management |
Now delinquent:
| 0 |
Revolving credit balance:
| $29,601 | Stated income: | $50,000-$74,999 |
Amount delinquent:
| $0 |
Bankcard utilization:
| 54% | | |
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| Yes | | |
Delinquencies in last 7y:
| 0 | | | | |
Screen name:
| loot-beast7 |
Borrower's state:
| Illinois |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Description
pay off my credit card
Purpose of loan:
This loan will be used to? pay off credit card debt
My financial situation:
I am a good candidate for this loan because?
Monthly net income: $ 6,000
Monthly expenses: $ 2500.00
??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
462281
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount:
| $1,600.00 |
Prosper Rating:
| D |
Auction Duration:
| 7 days
|
Term:
| 36 months |
Estimated loss:
| 10.0% | | |
| | |
|
Starting lender yield:
| 29.40% |
Starting borrower rate/APR:
| 30.40% / 32.89% |
Starting monthly payment:
| $68.27 |
|
Auction yield range:
| 10.98% - 29.40% |
Estimated loss impact:
| 10.74% | | |
Lender servicing fee:
| 1.00% |
Estimated return:
| 18.66% | | |
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper scores:
| |
First credit line:
| Apr-2008 |
Debt/Income ratio:
| Not calculated |
Basic (1-10):
| 7 |
Inquiries last 6m:
| 2 | Employment status: | Part-time employee |
Enhanced (1-5): | 1 |
Current / open credit lines:
| 2
/
2 | Length of status: | 1y 0m |
Credit score:
| 700-719 (Jun-2010) |
Total credit lines:
| 3 |
Occupation: | Other |
Now delinquent:
| 0 |
Revolving credit balance:
| $0 | Stated income: | $1-$24,999 |
Amount delinquent:
| $0 |
Bankcard utilization:
| 0% | | |
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| No | | |
Delinquencies in last 7y:
| 0 | | | | |
Screen name:
| xDRx |
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
PayOff My Sis and Fix My Car!!
Purpose of loan:
This Loan will be used to pay off a loan my sister did for me which as of now is $550, I did not report the electric meter to the company correctly for a while which now I have a $600 bill, And lastly the $450 will be used towards fixing the A/C Clutch and compressor on my pizza delivery car.
My financial situation:
I feel that I am a great candidate for this loan. I pay all of my loans and credit cards on time. I take pride in taking care of my credit and making sure that others see that I'm a trustworthy person! This loan WILL be paid off with 7-9 months of receiving said loan. If this goes well I might see y'all back in the winter for a school use loan! Also to note I have a savings account with about $2050 in right now that I really don't want to tap to cover these expenses in case of emergency. If you have any questions, concerns, or anything that makes you hesitant to loan to me please contact me and I do the best I can to prove I'm responsible and trustworthy! I can reply within the day.
Monthly net income: I work as a pizza delivery driver which brings home $1050-1150 a month plus about $350-400 in tips a month that covers most of my gas and minor car expenses.
Monthly expenses: $
??Housing: $
0 (live with parents)
? Car Insurance: $
$65
??Car expenses: $50
??Utilities: $
115
? Cable And Internet: $
75
??Food, entertainment: $ 85
??Clothing, household expenses $
75
? YMCA Membership: $
41
? Cell phone: $74
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
462283
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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:
| Oct-1996 |
Debt/Income ratio:
| 33% |
Basic (1-10):
| 6 |
Inquiries last 6m:
| 0 | Employment status: | Full-time employee |
Enhanced (1-5): | 5 |
Current / open credit lines:
| 6
/
5 |
Occupation: | Sales - Commission |
Credit score:
| 760-779 (Jun-2010) |
Total credit lines:
| 19 | Stated income: | $50,000-$74,999 |
Now delinquent:
| 0 |
Revolving credit balance:
| $1,112 | |
Amount delinquent:
| $0 |
Bankcard utilization:
| 17% | | |
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| Yes | | |
Delinquencies in last 7y:
| 0 | | | | |
Screen name:
| inspiring-gain4 |
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
Start up of kitchen cabinet shop
Purpose of loan:
This loan will be used to? finance the start up of a cabinet manufature for custom home builders, remodelers and home owners
My financial situation:
I am a good candidate for this loan because? I have been in this line of work for over ten years. I started at a cabinet shop and have done all phases of the business from cabinet building, finishing, instalation and sales. I have done many cabinet jobs on my own through a previeous business. I currently have contacts and do sales of 500,000.00 - 700,000.00 per year at my current employer in the market area that I intend opening the business
Monthly net income: $ 3250
Monthly expenses: $ 2204
??Housing: $ 988
??Insurance: $ 165
??Car expenses: $ 216
??Utilities: $ paid by wife
??Phone, cable, internet: $ paid by wife
??Food, entertainment: $ 400
??Clothing, household expenses $ paid by wife
??Credit cards and other loans: $ 435
??Other expenses: $
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
462293
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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:
| Mar-1992 |
Debt/Income ratio:
| 26% |
Basic (1-10):
| 8 |
Inquiries last 6m:
| 1 | Employment status: | Full-time employee |
Enhanced (1-5): | 5 |
Current / open credit lines:
| 7
/
7 | Length of status: | 1y 9m |
Credit score:
| 760-779 (Jun-2010) |
Total credit lines:
| 21 |
Occupation: | Civil Service |
Now delinquent:
| 0 |
Revolving credit balance:
| $3,558 | Stated income: | $50,000-$74,999 |
Amount delinquent:
| $0 |
Bankcard utilization:
| 37% | | |
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| Yes | | |
Delinquencies in last 7y:
| 10 | | | | |
Screen name:
| benefit-splendor |
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
Trying to finish my basement
Purpose of loan:
This loan will be used for home improvements to my basement. My basement was flooded during the 2009 GA rainstorms and claims were denied with both FEMA and homeowners insurance. I would like a personal loan so I can have the basement completed and regain that space.?
My financial situation:
I am a good candidate for this loan because I have secured permanent employment and have a stable payment history. I prefer to buy things on a cash basis, so a personal loan is the practical option versus financing on credit cards. I make timely monthly payments and pay more towards the principal every month to ensure the loan is paid off sooner. Thank you for your consideration.
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
462295
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount:
| $3,900.00 |
Prosper Rating:
| A |
Auction Duration:
| 7 days
|
Term:
| 36 months |
Estimated loss:
| 2.1% | | |
| | |
|
Starting lender yield:
| 5.00% |
Starting borrower rate/APR:
| 6.00% / 8.06% |
Starting monthly payment:
| $118.65 |
|
Auction yield range:
| 3.98% - 5.00% |
Estimated loss impact:
| 2.10% | | |
Lender servicing fee:
| 1.00% |
Estimated return:
| 2.90% | | |
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-1977 |
Debt/Income ratio:
| 70% |
Basic (1-10):
| 9 |
Inquiries last 6m:
| 0 | Employment status: | Retired |
Enhanced (1-5): | 3 |
Current / open credit lines:
| 18
/
15 | Length of status: | 7y 0m |
Credit score:
| 720-739 (Jun-2010) |
Total credit lines:
| 50 | Stated income: | $1-$24,999 |
Now delinquent:
| 0 |
Revolving credit balance:
| $42,512 | |
Amount delinquent:
| $0 |
Bankcard utilization:
| 54% | | |
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| No | | |
Delinquencies in last 7y:
| 0 | | | | |
Screen name:
| organized-treasure1 |
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
lower rate from a 11% loan
Purpose of loan:
This loan will be used to?
pay off a current debt that is at a 11% rate.
My financial situation:
I am a good candidate for this loan because?So far my credit history will show that I have paid as agreed.
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
462305
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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:
| 8.20% |
Starting borrower rate/APR:
| 9.20% / 11.30% |
Starting monthly payment:
| $95.68 |
|
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:
| Jan-2001 |
Debt/Income ratio:
| Self-employed (DTI Not Calculated) |
Basic (1-10):
| 8 |
Inquiries last 6m:
| 0 | Employment status: | Self-employed |
Enhanced (1-5): | 5 |
Current / open credit lines:
| 5
/
5 | Length of status: | 1y 0m |
Credit score:
| 780-799 (Jun-2010) |
Total credit lines:
| 14 |
Occupation: | Teacher |
Now delinquent:
| 0 |
Revolving credit balance:
| $4,762 | Stated income: | $1-$24,999 |
Amount delinquent:
| $0 |
Bankcard utilization:
| 51% | | |
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| Yes | | |
Delinquencies in last 7y:
| 0 | | | | |
Screen name:
| fearless-agreement8 |
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
Yoga For Kids Studio Space
Purpose of the Loan: Kid Yoga Studio Space
This loan will be used to help bring my mobile business to a home base. I have traveled from school to school over the past two years offering yoga to kids. I now have the opportunity to bring my popular classes into my very own space. The space I have found is beautiful and meant for movement, but will need some financial start up that I do not have right now. This is an amazing opportunity I do not want to miss. Kids can benefit from yoga just the same way adults can. Yoga for Kids is an hugely growing market in Denver and I would love to be at the front of it.
My financial situation is actually quite good. I have terrific credit and very little debt. I am a responsible bill payer and look forward to additional profits brought on by the additional space for classes and workshops.
I am a good candidate for this loan because I am an enthusiastic business owner with lots of ideas for growth. I would be honored to have your support and would never take it for granted. I have the heart to pull this off, I just need a financial boost!
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
462307
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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:
| Mar-1992 |
Debt/Income ratio:
| 51% |
Basic (1-10):
| 10 |
Inquiries last 6m:
| 1 | Employment status: | Full-time employee |
Enhanced (1-5): | 2 |
Current / open credit lines:
| 12
/
12 | Length of status: | 21y 1m |
Credit score:
| 720-739 (May-2010) |
Total credit lines:
| 27 |
Occupation: | Other |
Now delinquent:
| 0 |
Revolving credit balance:
| $44,705 | Stated income: | $25,000-$49,999 |
Amount delinquent:
| $0 |
Bankcard utilization:
| 48% | | |
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| No | | |
Delinquencies in last 7y:
| 0 | | | | |
Screen name:
| appetizing-community |
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 a 21% interest card
Purpose of loan:
This loan will be used to? pay off a credit card with a 21 percent interest rate.
My financial situation:
I am a good candidate for this loan because?I want to get out of debt and I pay all my bills on time.
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
462319
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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:
| 9.00% |
Starting borrower rate/APR:
| 10.00% / 12.11% |
Starting monthly payment:
| $193.60 |
|
Auction yield range:
| 3.98% - 9.00% |
Estimated loss impact:
| 2.12% | | |
Lender servicing fee:
| 1.00% |
Estimated return:
| 6.88% | | |
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper scores:
| |
First credit line:
| Aug-1998 |
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:
| 7
/
5 | Length of status: | 10y 3m |
Credit score:
| 780-799 (Jun-2010) |
Total credit lines:
| 32 |
Occupation: | Executive |
Now delinquent:
| 0 |
Revolving credit balance:
| $7 | Stated income: | $50,000-$74,999 |
Amount delinquent:
| $0 |
Bankcard utilization:
| 0% | | |
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| Yes | | |
Delinquencies in last 7y:
| 7 | | | | |
Screen name:
| creekdawg |
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:
| 29 ( 100% )
| 780-799 (Latest)
|
Principal borrowed:
| $15,000.00 | < 31 days late:
| 0
( 0% )
| 680-699
(Dec-2007)
|
Principal balance:
| $3,427.72 |
31+ days late:
| 0
( 0% )
|
Total payments billed:
| 29 | | |
Description
Replacing Cental AC In My Home
Purpose of loan:
This loan will be used to have a few necessities taken care of in my home. The central heat pump?and air conditioning unit in my home has gone bad at the worst possible time. Anyone that has ever lived without air conditioning for even a day in Florida's humid and blistering summer knows what my family is going through. The remainder will be used for a new washer and dryer to replace the worn out pair that my family has had for years.
My financial situation:
I am a good candidate for this loan because I have been employed by the same company for over ten years now which ensures that I have a steady income. I already have an existing loan through prosper that is almost paid off. Also, my credit rating has improved drastically since the first loan?I received from Prosper.
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
462325
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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:
| Nov-1996 |
Debt/Income ratio:
| Self-employed (DTI Not Calculated) |
Basic (1-10):
| 3 |
Inquiries last 6m:
| 0 | Employment status: | Self-employed |
Enhanced (1-5): | 2 |
Current / open credit lines:
| 4
/
4 | Length of status: | 0y 4m |
Credit score:
| 680-699 (Jun-2010) |
Total credit lines:
| 5 |
Occupation: | Other |
Now delinquent:
| 0 |
Revolving credit balance:
| $91,537 | 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:
| majestic-penny1 |
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
Enviro-Energy
Purpose of loan:
This loan will be used to pay a government referred financial group fee for raising 10 million dollars capital that will guarantee the payments will be made on this loan.
My financial situation:
I am a good candidate for this loan because the energy business is environmentally friendly and will pay me a salary of $100,000 per year minimum.
Monthly net income: $ 36,792
Monthly expenses: $ 1590
??Housing: $300
??Insurance: $150
??Car expenses: $220
??Utilities: $200
??Phone, cable, internet: $70
??Food, entertainment: $600
??Clothing, household expenses $50
??Credit cards and other loans: $0
??Other expenses: $0
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
462343
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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:
| Jun-1997 |
Debt/Income ratio:
| 14% |
Basic (1-10):
| 6 |
Inquiries last 6m:
| 0 | Employment status: | Full-time employee |
Enhanced (1-5): | 5 |
Current / open credit lines:
| 8
/
8 | Length of status: | 8y 5m |
Credit score:
| 740-759 (Jun-2010) |
Total credit lines:
| 18 |
Occupation: | Other |
Now delinquent:
| 1 |
Revolving credit balance:
| $8,101 | 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:
| peaceful-bid7 |
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 Health Care
Purpose of loan:
This loan will be used to?
provide cash infusion in Home Health Care Agency which my wife owns 49%.? This agency experienced financial difficulty prior to our involvement.? It is now becoming profitable.
My financial situation:
I am a good candidate for this loan because?
I have been in the health care field for over 30 years.? Have an excellent reputation.
Monthly net income: $
$7,000.00
Monthly expenses: $3.700.00
??Housing: $
1600.00
??Insurance: $ 200
??Car expenses: $ 200
??Utilities: $ 200
??Phone, cable, internet: $
100
??Food, entertainment: $300
??Clothing, household expenses $
400
??Credit cards and other loans: $
400
??Other expenses: $
300
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
462347
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount:
| $8,100.00 |
Prosper Rating:
| D |
Auction Duration:
| 7 days
|
Term:
| 36 months |
Estimated loss:
| 10.0% | | |
| | |
|
Starting lender yield:
| 14.00% |
Starting borrower rate/APR:
| 15.00% / 17.17% |
Starting monthly payment:
| $280.79 |
|
Auction yield range:
| 10.98% - 14.00% |
Estimated loss impact:
| 10.31% | | |
Lender servicing fee:
| 1.00% |
Estimated return:
| 3.69% | | |
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper scores:
| |
First credit line:
| Jan-1987 |
Debt/Income ratio:
| 20% |
Basic (1-10):
| 8 |
Inquiries last 6m:
| 0 | Employment status: | Full-time employee |
Enhanced (1-5): | 4 |
Current / open credit lines:
| 10
/
9 | Length of status: | 1y 5m |
Credit score:
| 660-679 (Jun-2010) |
Total credit lines:
| 28 |
Occupation: | Analyst |
Now delinquent:
| 0 |
Revolving credit balance:
| $50,686 | Stated income: | $75,000-$99,999 |
Amount delinquent:
| $0 |
Bankcard utilization:
| 92% | | |
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| No | | |
Delinquencies in last 7y:
| 0 | | | | |
Screen name:
| deal-accordion7 |
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 high APR cards
Purpose of loan:
This loan will be used to pay off 4 credit cards; 3 department store
cards (with the corresponding interest rates greater than 20%), and a branded
American Express card.
My financial situation:
I am a good candidate for this loan because my wife and I take paying our debts
as a priority.Despite our high
balances, we have no delinquencies on file.We are slowly paying off our credit card debt; this loan will speed that
repayment process.I am a skilled worker in the I.T. area, with a job that is
not readily offshored and which remains in demand.My current position includes a performance
bonus plan, which, if completely met, will see me paid a 15% annual bonus in
early 2011 (I received a 9% bonus for 2009).My current position also is paid every 2 weeks, so I receive 2 extra
paychecks per year.My last 2 job
transitions were unexpected layoffs, and I was quickly able to find suitable
employment with an increase in salary.
Monthly net income: $5,711
Monthly expenses: $5700
??Housing: $1,225
??Insurance: $227
??Car expenses: $220
??Utilities: $240
??Phone, cable, internet: $250
??Food, entertainment: $1,200
??Clothing, household expenses $250
??Credit cards and other loans: $1,846
??Other expenses: $250?
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
462349
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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:
| Dec-1999 |
Debt/Income ratio:
| 44% |
Basic (1-10):
| 5 |
Inquiries last 6m:
| 3 | Employment status: | Full-time employee |
Enhanced (1-5): | 1 |
Current / open credit lines:
| 14
/
9 | Length of status: | 6y 10m |
Credit score:
| 640-659 (Jun-2010) |
Total credit lines:
| 28 |
Occupation: | Student - College G... |
Now delinquent:
| 0 |
Revolving credit balance:
| $21,115 | 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:
| top-point-icon |
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 education
I am a graduating Senior working towards a Graduate Degree. I received a great Merit scholarship and full funding over the next three years. However, that is a few months away. I have a family, and am requesting this loan in order to have more security over the next few months
Purpose of loan:
This loan will be used to?
Necessary purposes over the next few months
My financial situation:
I am a good candidate for this loan because?
I am responsible, and have made every payment on time my entire life. I am completely able to meet loan terms.
Monthly net income: $
2600 June-Sept 5000 October-May 2010-2013
Monthly expenses: $
??Housing: $800
??Insurance: $
70
??Car expenses: $400
??Utilities: $
100
??Phone, cable, internet: $50
??Food, entertainment: $
300
??Clothing, household expenses $
??Credit cards and other loans: $400
??Other expenses: $
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
462357
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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:
| Nov-1985 |
Debt/Income ratio:
| 48% |
Basic (1-10):
| 3 |
Inquiries last 6m:
| 0 | Employment status: | Full-time employee |
Enhanced (1-5): | 3 |
Current / open credit lines:
| 5
/
5 | Length of status: | 19y 7m |
Credit score:
| 640-659 (Jun-2010) |
Total credit lines:
| 24 |
Occupation: | Skilled Labor |
Now delinquent:
| 3 |
Revolving credit balance:
| $6,952 | Stated income: | $25,000-$49,999 |
Amount delinquent:
| $20,647 |
Bankcard utilization:
| 72% | | |
Public records last 12m / 10y:
| 0/ 1 |
Homeownership:
| Yes | | |
Delinquencies in last 7y:
| 4 | | | | |
Screen name:
| Butterfly2965 |
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:
| 28 ( 100% )
| 640-659 (Latest)
|
Principal borrowed:
| $6,775.00 | < 31 days late:
| 0
( 0% )
| 640-659
(Nov-2009)
680-699
(Jan-2008)
|
Principal balance:
| $1,809.87 |
31+ days late:
| 0
( 0% )
|
Total payments billed:
| 28 | | |
Description
Our Pizza Dream
Purpose of loan: Operating capital for an already existing pizza store in which the owner contacted us to take it over on land contract.
This loan will be used to?
My financial situation: We have moved to a house with less then half our old house payment and I have been working overtime for the last 22 weeks with no end in sight.
I am a good candidate for this loan because? My husband has 24 years of Pizza exprience with which we ran our own store for 4 1/2 years which we closed down due to a death in the family. The owner of this store came to us because he did some checking on us from our past store and wants his to continue but is getting too old to run it to it's fullest.
Monthly net income: $ 3500.
Monthly expenses: $
??Housing: $ 375.
??Insurance: $ 70.
??Car expenses: $ 150.
??Utilities: $ 150.
??Phone, cable, internet: $ 160.
??Food, entertainment: $ 300.00
??Clothing, household expenses $
??Credit cards and other loans: $ 690.
??Other expenses: $
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
462361
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount:
| $2,450.00 |
Prosper Rating:
| AA |
Auction Duration:
| 7 days
|
Term:
| 36 months |
Estimated loss:
| 1.5% | | |
| | |
|
Starting lender yield:
| 7.48% |
Starting borrower rate/APR:
| 8.48% / 8.82% |
Starting monthly payment:
| $77.32 |
|
Auction yield range:
| 2.98% - 7.48% |
Estimated loss impact:
| 1.50% | | |
Lender servicing fee:
| 1.00% |
Estimated return:
| 5.98% | | |
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper scores:
| |
First credit line:
| Jan-1982 |
Debt/Income ratio:
| Self-employed (DTI Not Calculated) |
Basic (1-10):
| 9 |
Inquiries last 6m:
| 0 | Employment status: | Self-employed |
Enhanced (1-5): | 4 |
Current / open credit lines:
| 5
/
5 | Length of status: | 28y 4m |
Credit score:
| 820-839 (Jun-2010) |
Total credit lines:
| 12 |
Occupation: | Scientist |
Now delinquent:
| 0 |
Revolving credit balance:
| $0 | Stated income: | $75,000-$99,999 |
Amount delinquent:
| $0 |
Bankcard utilization:
| 0% | | |
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| Yes | | |
Delinquencies in last 7y:
| 0 | | | | |
Screen name:
| bonafide-money721 |
Borrower's state:
| Connecticut |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Description
Paying off CHASE credit card
Purpose of loan:
This loan will be used to consolidate a Chase credit card with a balance of $2,320.78 with an APR of 24.24%. I asked chase to lower my APR, and they denied.
My financial situation:
I am a good candidate for this loan because I have a stable career as a HVAC technician for over 20 years. Please e-mail me with any questions.
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
462365
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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:
| 25.38% |
Starting borrower rate/APR:
| 26.38% / 28.71% |
Starting monthly payment:
| $121.48 |
|
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-1992 |
Debt/Income ratio:
| 19% |
Basic (1-10):
| 7 |
Inquiries last 6m:
| 2 | Employment status: | Full-time employee |
Enhanced (1-5): | 2 |
Current / open credit lines:
| 13
/
9 | Length of status: | 17y 5m |
Credit score:
| 720-739 (Jun-2010) |
Total credit lines:
| 35 |
Occupation: | Scientist |
Now delinquent:
| 0 |
Revolving credit balance:
| $81,172 | 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:
| pouch8 |
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
Loan to Start My New Life
Purpose of loan:
This loan will be used to help me get started on my new life. I am currently going through a divorce and struggling to make a new start. I need this loan to help me get my own place and payoff some bills.
My financial situation:
I am a good candidate for this loan because I am full-time federal employee. In my job, I have the opportunity to make a decent amount of overtime each summer and fall (fire season). When I start to make this overtime, I will actually be able to payoff this loan sooner than 36 months (barring some surprise circumstance). Along with this loan, I plan to work with some of my other creditors to lower my payments on various accounts. So, there should be no problem paying back the loan. With the divorce, my soon to be ex-wife will be paying some of the credit cards currently listed in both our names which will make my monthly expenses less.
Monthly net income: $ 4,400
Monthly expenses: $
??Housing: $
1906.00
??Insurance: $
100.00
??Car expenses: $
100.00
??Utilities: $
0.00
??Phone, cable, internet: $
71.00
??Food, entertainment: $
??Clothing, household expenses $
50.00
??Credit cards and other loans: $ 1400.00
??Other expenses: $
0.00
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
462367
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount:
| $15,000.00 |
Prosper Rating:
| HR |
Auction Duration:
| 7 days
|
Term:
| 36 months |
Estimated loss:
| 25.0% | | |
| | |
|
Starting lender yield:
| 34.00% |
Starting borrower rate/APR:
| 35.00% / 37.45% |
Starting monthly payment:
| $678.54 |
|
Auction yield range:
| 16.98% - 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:
| Jan-2000 |
Debt/Income ratio:
| Self-employed (DTI Not Calculated) |
Basic (1-10):
| 2 |
Inquiries last 6m:
| 5 | Employment status: | Self-employed |
Enhanced (1-5): | 1 |
Current / open credit lines:
| 7
/
7 | Length of status: | 2y 5m |
Credit score:
| 700-719 (Jun-2010) |
Total credit lines:
| 18 |
Occupation: | Truck Driver |
Now delinquent:
| 0 |
Revolving credit balance:
| $71,357 | Stated income: | $100,000+ |
Amount delinquent:
| $0 |
Bankcard utilization:
| 82% | | |
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| Yes | | |
Delinquencies in last 7y:
| 0 | | | | |
Screen name:
| newest-enthralling-durability |
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
Making trucking profitable
Purpose of loan:
This loan will be used to trade for a 2007 Kenworth T-600 that does not have all the EPA destroying equipment that my current 2008 Kenworth T-660 has.?? The truck payment will go from $2802 per month to $1580 and will paid off in the same amount of time the 2008 would of been paid off.??? Fuel Mileage will be better on the 2007 due to the EPA equipment not being on the truck to destroy fuel mileage.?? In addition will be able to add another 3 year warranty package included in the $1580 per month price.????? Also insurance will be lower and better fuel mileage will add to a more profitable bottom line.??? The 2008 T-660 has had several EPA problems that have really cut into profitability
My financial situation:
I am a good candidate for this loan because if we can make the $2802 loan per month, making a $1580 per month is a cinch.?? In addition will have my own authority by 7/1/10 and that will add another $1500 of income per month or $18,000 per year.??? I have a clean driving record, clean drug screen and I am in great health.??? But just in case have? over $500K in life insurance.? The revolving credit information is deceiving because $50,000 is a home equity line of credit that we will soon be re-financing as a fixed.??? Also due to many outrageous costs to EPA forced?equipment?there have been some higher activity on credit cards than would be normal.????As a result of reducing overhead costs, credit cards and other?debt can be paid down quite?rapidly.?????????
Monthly net income: $6500-9500
Monthly expenses: $
??Housing: $ 1500
??Insurance: $ 400
??Car expenses: $ truck from $2802 to $1580
??Utilities: $ 200????????
??Phone, cable, internet: $200
??Food, entertainment: $200
??Clothing, household expenses $200
??Credit cards and other loans: $500
??Other expenses: $
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
462371
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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:
| 10.98% |
Starting borrower rate/APR:
| 11.98% / 14.11% |
Starting monthly payment:
| $66.41 |
|
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:
| Jul-1998 |
Debt/Income ratio:
| 16% |
Basic (1-10):
| 7 |
Inquiries last 6m:
| 2 | Employment status: | Full-time employee |
Enhanced (1-5): | 4 |
Current / open credit lines:
| 10
/
10 | Length of status: | 12y 5m |
Credit score:
| 640-659 (Jun-2010) |
Total credit lines:
| 15 |
Occupation: | Clerical |
Now delinquent:
| 0 |
Revolving credit balance:
| $13,157 | Stated income: | $25,000-$49,999 |
Amount delinquent:
| $0 |
Bankcard utilization:
| 94% | | |
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| No | | |
Delinquencies in last 7y:
| 0 | | | | |
Screen name:
| penny-reformer |
Borrower's state:
| Oklahoma |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Description
Debt payoff & moving
Purpose of loan:
This loan will be used to?Pay off some debt & help with a move.
My financial situation:
I am a good candidate for this loan because?I always pay my bills on time and have been with the same company for 12.5 years.
Monthly net income: $ 1800.00
Monthly expenses: $ 1500.00
??Housing: $649
??Insurance: $50.00
??Car expenses: $80.00
??Utilities: $75.00
??Phone, cable, internet: $125.00
??Food, entertainment: $200.00
??Clothing, household expenses $25.00
??Credit cards and other loans: $300.00
??Other expenses: $
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
462377
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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:
| Mar-2008 |
Debt/Income ratio:
| Not calculated |
Basic (1-10):
| 5 |
Inquiries last 6m:
| 1 | Employment status: | Not employed |
Enhanced (1-5): | 2 |
Current / open credit lines:
| 3
/
3 | Length of status: | 0y 2m |
Credit score:
| 640-659 (Jun-2010) |
Total credit lines:
| 5 | Stated income: | Not employed |
Now delinquent:
| 0 |
Revolving credit balance:
| $1,527 | |
Amount delinquent:
| $0 |
Bankcard utilization:
| 67% | | |
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| No | | |
Delinquencies in last 7y:
| 0 | | | | |
Screen name:
| income-assembler9 |
Borrower's state:
| NewYork |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Description
My personal loan for my education
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
462383
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount:
| $14,400.00 |
Prosper Rating:
| HR |
Auction Duration:
| 7 days
|
Term:
| 36 months |
Estimated loss:
| 25.0% | | |
| | |
|
Starting lender yield:
| 16.98% |
Starting borrower rate/APR:
| 17.98% / 20.19% |
Starting monthly payment:
| $520.45 |
|
Auction yield range:
| 16.98% - 16.98% |
Estimated loss impact:
| 25.94% | | |
Lender servicing fee:
| 1.00% |
Estimated return:
| -8.96% | | |
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:
| Oct-1997 |
Debt/Income ratio:
| 28% |
Basic (1-10):
| 3 |
Inquiries last 6m:
| 1 | Employment status: | Full-time employee |
Enhanced (1-5): | 5 |
Current / open credit lines:
| 7
/
7 | Length of status: | 23y 8m |
Credit score:
| 640-659 (Jun-2010) |
Total credit lines:
| 33 |
Occupation: | Other |
Now delinquent:
| 0 |
Revolving credit balance:
| $9,521 | Stated income: | $50,000-$74,999 |
Amount delinquent:
| $0 |
Bankcard utilization:
| 95% | | |
Public records last 12m / 10y:
| 0/ 1 |
Homeownership:
| No | | |
Delinquencies in last 7y:
| 0 | | | | |
Screen name:
| boulderclear |
Borrower's state:
| Colorado |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan history | Payment history | Credit score history |
Active / total loans:
| 1 / 1 |
On-time:
| 22 ( 96% )
| 640-659 (Latest)
|
Principal borrowed:
| $2,950.00 | < 31 days late:
| 1
( 4% )
| 620-639
(Jul-2009)
600-619
(Jun-2008)
560-579
(May-2008)
580-599
(Apr-2008)
|
Principal balance:
| $1,213.16 |
31+ days late:
| 0
( 0% )
|
Total payments billed:
| 23 | | |
Description
Explode business sales
Purpose of loan:
This loan will be used to? consolidate all of my debt.? The remaining
ammount I will use to buy supplies for my business.
My financial situation:
I am a good candidate for this loan because? during the last two
years I have reduced my debt from $41,000 to less than $15,000.? My
current debt has high interest and would like to get rid of it.
Monthly net income: $ 5100.00
Monthly expenses: $3000.
??Housing: $ 575
??Insurance: $35
??Car expenses: $450
??Utilities: $235
??Phone, cable, internet: $150
??Food, entertainment: $ 300
??Clothing, household expenses $220?
??Credit cards and other loans: $ 900
??Other expenses: $225
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
462385
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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:
| 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:
| 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:
| Mar-1998 |
Debt/Income ratio:
| 20% |
Basic (1-10):
| 2 |
Inquiries last 6m:
| 0 | Employment status: | Retired |
Enhanced (1-5): | 3 |
Current / open credit lines:
| 1
/
1 | Length of status: | 0y 6m |
Credit score:
| 720-739 (Jun-2010) |
Total credit lines:
| 25 | Stated income: | $1-$24,999 |
Now delinquent:
| 2 |
Revolving credit balance:
| $0 | |
Amount delinquent:
| $110 |
Bankcard utilization:
| 0% | | |
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| No | | |
Delinquencies in last 7y:
| 4 | | | | |
Screen name:
| zippy-dedication0 |
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
Loan for personal uses
Purpose of loan:
This loan will be used to help me survive until my properties in Maine and Costa Rica are sold. I recently came back from the Philippines thinking I would have a few thousand dollars in my account and didn't realize my son had spent most of my money on useless things such as an Xbox which he doesn't need.So basically I am a broke person with money. This loan should help me get back on my feet.
My financial situation:
I am a good candidate for this loan because in reality I should have close to perfect credit. The only reason why my credit was damaged is because somebody stole and activated a credit card of mine which was never resolved by my bank. I also had another incident where I actually paid Gordon Jeweler's ahead of time for a piece of jewelry I purchased and was informed a couple of years later this was never recorded. When I went to Gordon Jeweler's to explain my situation they didn't have any record of this and couldn't do anything despite the fact that I had the receipt in my hand.
As far as my financial situation goes, I am pretty well off other than the fact that I don't have access to any cash. I currently own several properties that are paid off which includes houses in Costa Rica, Maine and Clearwater, Florida. I have thousands of dollars in a bank account in the Philippines which I cannot access unless I am personally there. A few years back I put a $30,000 down payment on a $55,000 condominium in Costa Rica which is taking too long to build. I recently contacted them to see if I could get that money back but they told me I had to personally go there if I wanted a refund. Unfortunately I don't have the money to buy an airplane ticket since my son cleaned me out with his wasteful spending. As you can see I'm really in a bind here and need this loan to get myself out.
Monthly net income: $883
Monthly expenses: $0 I currently do not have any bills to pay since I have people living with me who cover those bills in exchange for staying at my house. This includes my daughter and her boyfriend as well as my son.
??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
462389
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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:
| B |
Auction Duration:
| 7 days
|
Term:
| 36 months |
Estimated loss:
| 5.0% | | |
| | |
|
Starting lender yield:
| 8.50% |
Starting borrower rate/APR:
| 9.50% / 11.60% |
Starting monthly payment:
| $640.66 |
|
Auction yield range:
| 5.98% - 8.50% |
Estimated loss impact:
| 5.13% | | |
Lender servicing fee:
| 1.00% |
Estimated return:
| 3.37% | | |
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper scores:
| |
First credit line:
| Feb-1986 |
Debt/Income ratio:
| 21% |
Basic (1-10):
| 8 |
Inquiries last 6m:
| 1 | Employment status: | Full-time employee |
Enhanced (1-5): | 3 |
Current / open credit lines:
| 22
/
21 | Length of status: | 1y 10m |
Credit score:
| 740-759 (Jun-2010) |
Total credit lines:
| 33 |
Occupation: | Executive |
Now delinquent:
| 0 |
Revolving credit balance:
| $128,525 | Stated income: | $100,000+ |
Amount delinquent:
| $0 |
Bankcard utilization:
| 41% | | |
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| Yes | | |
Delinquencies in last 7y:
| 0 | | | | |
Screen name:
| organic-bonus3 |
Borrower's state:
| NewJersey |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Description
Paying off credit cards
Purpose of loan: For the past 4 or 5 years, I played the balance transfer game of moving my balances from one card to another to keep my weighted average rate below 5%.? I currently have $4,000 locked in at 1.99% until paid off and another $7,000 locked in at 3.99% until paid off.? I have $9,000 that just reset to 11.9%, another $8,500 that will reset to 9.9% next month and $20,000 that will reset to 11.9% in two months.? I want to lock in a sub-9.9% fixed rate because it's getting tougher and tougher to play the game.
My financial situation:?
I have extensive assets.? We own two homes and have about $75,000 of equity in them after adjusting for the housing crash.? The homes are in MO and IA so they avoided the worst of the crash.? I have over $150,000 in my IRAs.
Monthly net income:
I make $125,000 in my "day job" and $7,800 in a part-time accounting
job.? Our car payment of $365 ends in August after two more payments
and my wife will go back to work in September when the kids go back to
school.? That will add another $25,000+ to our annual income.
Monthly expenses: $
??Housing: $1,995.74 (plus $1,217.08 for the rental property in IA.)
??Insurance: $240 (for both cars and both homes)
??Car expenses: $
365.20 (July and August payments and then paid off.)
??Utilities: $
350
??Phone, cable, internet: $
195
??Food, entertainment: $
600
??Clothing, household expenses $
900
??Credit cards and other loans: $
2000
??Other expenses: $
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
462391
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount:
| $20,000.00 |
Prosper Rating:
| D |
Auction Duration:
| 7 days
|
Term:
| 36 months |
Estimated loss:
| 10.0% | | |
| | |
|
Starting lender yield:
| 14.00% |
Starting borrower rate/APR:
| 15.00% / 17.17% |
Starting monthly payment:
| $693.31 |
|
Auction yield range:
| 10.98% - 14.00% |
Estimated loss impact:
| 10.31% | | |
Lender servicing fee:
| 1.00% |
Estimated return:
| 3.69% | | |
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper scores:
| |
First credit line:
| Sep-1997 |
Debt/Income ratio:
| 5% |
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: | 12y 9m |
Credit score:
| 720-739 (Jun-2010) |
Total credit lines:
| 20 |
Occupation: | Other |
Now delinquent:
| 0 |
Revolving credit balance:
| $22,010 | Stated income: | $100,000+ |
Amount delinquent:
| $0 |
Bankcard utilization:
| 68% | | |
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| Yes | | |
Delinquencies in last 7y:
| 2 | | | | |
Screen name:
| popcorn0 |
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 CARD
Purpose of loan:
This loan will be used to?
My financial situation:
I am a good candidate for this loan because?
Monthly net income: $
Monthly expenses: $
??Housing: $
??Insurance: $
??Car expenses: $
??Utilities: $
??Phone, cable, internet: $
??Food, entertainment: $
??Clothing, household expenses $
??Credit cards and other loans: $
??Other expenses: $
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
462397
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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-1998 |
Debt/Income ratio:
| 20% |
Basic (1-10):
| 1 |
Inquiries last 6m:
| 5 | Employment status: | Full-time employee |
Enhanced (1-5): | 2 |
Current / open credit lines:
| 8
/
6 | Length of status: | 1y 0m |
Credit score:
| 680-699 (Jun-2010) |
Total credit lines:
| 33 |
Occupation: | Other |
Now delinquent:
| 1 |
Revolving credit balance:
| $7,319 | Stated income: | $100,000+ |
Amount delinquent:
| $22,287 |
Bankcard utilization:
| 15% | | |
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| Yes | | |
Delinquencies in last 7y:
| 13 | | | | |
Screen name:
| aesop56 |
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.
Prosper Activity
Loan history | Payment history | Credit score history |
Active / total loans:
| 0 / 1 |
On-time:
| 19 ( 86% )
| 680-699 (Latest)
|
Principal borrowed:
| $2,400.00 | < 31 days late:
| 1
( 5% )
| 620-639
(Jan-2010)
580-599
(Mar-2008)
|
Principal balance:
| $0.00 |
31+ days late:
| 2
( 9% )
|
Total payments billed:
| 22 | | |
Description
Paying off Wells Fargo
Purpose of loan:
This loan will be used to?
Pay off the amount we are behind on our mortgage. Over a year ago, I was unemployed for 5 months. During that time I contacted our mortgage lender in order to see if they could work with us on payments due to my unemployment. They agreed to give us a moratorium on our payments for three payments and then take the missed payments onto the end of the loan. When the time came to adjust the mortgage they only reported me late three months on my payment and asked for a lump sum for the late payments. Over the past year they have offered additional moratoriums but have not modified the loan. We have been making monthly payments since the original moratorium but the amount we are behind is now currently $22,000 due to fees and interest payments. We have been able to sell a few personal items and save over the past year and put together $7000. We are looking for a $15,000 loan to cover the additional amount. This will make us current on our mortgage and help repair our credit. We have spoken with our bank and others in our area but no one will
loan us any amount with the mortgage showing late. Prosper is our only chance of digging out of this hole and keeping us in our house.
My financial situation:
I am a good candidate for this loan because?
I am steadily employed with a reputable company. My income is over 100k a year and I have very few late payments on my credit report. The late payments that are shown were due to several months of unemployment. My credit score has gone up over 80 points in the last year alone due to lowering credit card debt, paying off bills and making payments on time.
Monthly net income: $
12,000
Monthly expenses: $
??Housing: $
2200
??Insurance: $
300
??Car expenses: $
150
??Utilities: $
400
??Phone, cable, internet: $
500
??Food, entertainment: $
450
??Clothing, household expenses $
500
??Credit cards and other loans: $
2000
??Other expenses: $ 3500
If any one has questions I can outline my current payments, accounts, amounts owed, and regular expenses. Thank you for checking my post.
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
462403
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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:
| Sep-1990 |
Debt/Income ratio:
| 13% |
Basic (1-10):
| 9 |
Inquiries last 6m:
| 0 | Employment status: | Full-time employee |
Enhanced (1-5): | 5 |
Current / open credit lines:
| 11
/
10 | Length of status: | 8y 1m |
Credit score:
| 740-759 (Jun-2010) |
Total credit lines:
| 26 |
Occupation: | Architect |
Now delinquent:
| 0 |
Revolving credit balance:
| $282,390 | Stated income: | $75,000-$99,999 |
Amount delinquent:
| $0 |
Bankcard utilization:
| 58% | | |
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| Yes | | |
Delinquencies in last 7y:
| 0 | | | | |
Screen name:
| cognizant-principal |
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 / 1 |
On-time:
| 8 ( 100% )
| 740-759 (Latest)
|
Principal borrowed:
| $4,000.00 | < 31 days late:
| 0
( 0% )
| 740-759
(Aug-2009)
|
Principal balance:
| $3,248.35 |
31+ days late:
| 0
( 0% )
|
Total payments billed:
| 8 | | |
Description
Consolidating Home Remodel Debt
This loan will be used to consolidate debt from a recently completed home remodel. I just finished a major addition to our house. While I did the design and labor myself, the cost of materials exceeded our home equity line of credit, so for nice finishing touches, I charged some products to my credit cards. These cards charge higher rates than I think I can get from Prosper, so I'd like to consolidate the debt at a lower rate, while offering the Prosper lending community a sure bet to earn a higher rate of return than the markets are likely to offer for a long time. I'm not a credit risk. I'm married, have two kids, a graduate degree and work as an architect. My wife is a physician. We live frugally, own only one car, and, as our credit reports reflects, we always pay our bills on time.
Thank you for considering funding this loan.
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
462415
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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:
| Jul-1981 |
Debt/Income ratio:
| 237% |
Basic (1-10):
| 4 |
Inquiries last 6m:
| 2 | Employment status: | Full-time employee |
Enhanced (1-5): | 1 |
Current / open credit lines:
| 12
/
11 | Length of status: | 11y 8m |
Credit score:
| 700-719 (Jun-2010) |
Total credit lines:
| 41 |
Occupation: | Other |
Now delinquent:
| 0 |
Revolving credit balance:
| $84,768 | Stated income: | $25,000-$49,999 |
Amount delinquent:
| $0 |
Bankcard utilization:
| 100% | | |
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| Yes | | |
Delinquencies in last 7y:
| 0 | | | | |
Screen name:
| reverent-listing |
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
medical and personal bills
Purpose of loan:
This loan will be used to?
pay off unexpected expenses and catch up on medical bills.
My financial situation:
I am a good candidate for this loan because?
I work two jobs and I am on track to pay off everythings ahead of schedule.
Monthly net income: $
2100
Monthly expenses: $
??Housing: $
600
??Insurance: $
97
??Car expenses: $
60
??Utilities: $
100
??Phone, cable, internet: $
150
??Food, entertainment: $
200
??Clothing, household expenses $
100
??Credit cards and other loans: $
500
??Other expenses: $
100
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
462419
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount:
| $15,000.00 |
Prosper Rating:
| C |
Auction Duration:
| 7 days
|
Term:
| 36 months |
Estimated loss:
| 6.2% | | |
| | |
|
Starting lender yield:
| 13.00% |
Starting borrower rate/APR:
| 14.00% / 16.16% |
Starting monthly payment:
| $512.66 |
|
Auction yield range:
| 7.98% - 13.00% |
Estimated loss impact:
| 6.49% | | |
Lender servicing fee:
| 1.00% |
Estimated return:
| 6.51% | | |
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-1983 |
Debt/Income ratio:
| Self-employed (DTI Not Calculated) |
Basic (1-10):
| 5 |
Inquiries last 6m:
| 2 | Employment status: | Self-employed |
Enhanced (1-5): | 2 |
Current / open credit lines:
| 7
/
7 | Length of status: | 6y 1m |
Credit score:
| 820-839 (Jun-2010) |
Total credit lines:
| 33 |
Occupation: | Investor |
Now delinquent:
| 0 |
Revolving credit balance:
| $69,381 | Stated income: | $100,000+ |
Amount delinquent:
| $0 |
Bankcard utilization:
| 52% | | |
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| Yes | | |
Delinquencies in last 7y:
| 0 | | | | |
Screen name:
| AustinLoanPro |
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% )
| 820-839 (Latest)
|
Principal borrowed:
| $1,000.00 | < 31 days late:
| 0
( 0% )
| 820-839
(Jun-2006)
|
Principal balance:
| $0.00 |
31+ days late:
| 0
( 0% )
|
Total payments billed:
| 35 | | |
Description
Consolidate loans and reduce rates
Purpose of loan:
Consolidate lines of credit, reducing the rates & min due. I own 58 rental units in Austin, TX, in prime locations. In the recession vacancy rates spiked to 10-12%. I used this opportunity to remodel units & position them for higher rents. Spent approx $7k/unit updating inside & out. In the last 2.5 yrs I've remodeled 30+ units using a combination of insurance proceeds, savings, cash flow and loans. I am getting 5-10% increases now, as the mkt tightens I"ll?ask?10% min.
My financial situation:
Gross rental income is approx $35,000/mth, a 10% swing adds $3.5k/mth to net income. I?bit off a lot of debt but for good reason. The equity in the properties exceeds $1 million. The key now is to lock in rates before some of these promotional lines start jumping up into the 18% range.
Monthly net income: $10,000
Monthly expenses: $ 8560
??Housing: $ 2500
??Insurance: $ 350
??Car expenses: $ 200
??Utilities: $ 100
??Phone, cable, internet: $ 160
??Food, entertainment: $ 1700
??Clothing, household expenses $ 300
??Credit cards and other loans: $ 2500
??Other expenses: $250
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
462425
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount:
| $7,000.00 |
Prosper Rating:
| HR |
Auction Duration:
| 7 days
|
Term:
| 36 months |
Estimated loss:
| 25.0% | | |
| | |
|
Starting lender yield:
| 34.00% |
Starting borrower rate/APR:
| 35.00% / 37.45% |
Starting monthly payment:
| $316.65 |
|
Auction yield range:
| 16.98% - 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 Advertising
Purpose of loan:This loan will be used to substantially increase advertising for my small business to generate?more revenue and, if needed, hire another computer technician.
My financial situation:I am a good candidate for this loan. My gross revenue has increased each year since beginning in 2005. 2009 was just under $80,000 with a gross income of $52,000.
Advertising expenses are approximately $850 per month.?Web: $700? Print: $150Net income is approximately $2400/month.
Monthly Expenses: $1846
??Housing: $?500
??Car expenses: $?391
??Phone: $?85
??Food, entertainment: $?450
??Credit cards and other loans: $?150
??Other expenses: $ 270
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
462427
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount:
| $15,000.00 |
Prosper Rating:
| HR |
Auction Duration:
| 7 days
|
Term:
| 36 months |
Estimated loss:
| 25.0% | | |
| | |
|
Starting lender yield:
| 24.00% |
Starting borrower rate/APR:
| 25.00% / 27.31% |
Starting monthly payment:
| $596.40 |
|
Auction yield range:
| 16.98% - 24.00% |
Estimated loss impact:
| 26.38% | | |
Lender servicing fee:
| 1.00% |
Estimated return:
| -2.38% | | |
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper scores:
| |
First credit line:
| Sep-2003 |
Debt/Income ratio:
| Self-employed (DTI Not Calculated) |
Basic (1-10):
| 2 |
Inquiries last 6m:
| 1 | Employment status: | Self-employed |
Enhanced (1-5): | 3 |
Current / open credit lines:
| 4
/
4 | Length of status: | 0y 1m |
Credit score:
| 660-679 (Jun-2010) |
Total credit lines:
| 11 |
Occupation: | Professional |
Now delinquent:
| 0 |
Revolving credit balance:
| $998 | Stated income: | $50,000-$74,999 |
Amount delinquent:
| $0 |
Bankcard utilization:
| 62% | | |
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| Yes | | |
Delinquencies in last 7y:
| 0 | | | | |
Screen name:
| diverse-point9 |
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
Exciting New Business
Purpose of loan:
This loan will be used to move my company to the next level by allowing me?to work full-time with current and potential clients.? Over the past (4) years I have worked with numerous?businesses and have gained numerous contacts who are ready to do business with me.? Due to my current time constraint?I have not been able to?work with them yet, but with this loan I?will?the time and resources to assist?my clients full-time.?
My financial situation:
I am a good candidate for this loan because paying my bill early or on time is very important to me.? As you can see I have (4) open lines of credit which are my house, car, and (2) credit cards.? I am not debt free, but everything is paid early or on time.? I pride myself in paying my bill early or on time and will always.? Thank you for your consideration.
Monthly net income: $ 3535.10?
Monthly expenses: $ 2695.42?
??Housing: $ 1288.45
??Insurance: $ 148.25
??Car expenses: $ 709.69?
??Utilities: $ 149.08
??Phone, cable, internet: $ 99.95
??Food, entertainment: $ 150.00
??Clothing, household expenses $ 100.00
??Credit cards and other loans: $ 50.00
??Other expenses: $
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
462431
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount:
| $20,000.00 |
Prosper Rating:
| C |
Auction Duration:
| 7 days
|
Term:
| 36 months |
Estimated loss:
| 8.5% | | |
| | |
|
Starting lender yield:
| 7.98% |
Starting borrower rate/APR:
| 8.98% / 11.07% |
Starting monthly payment:
| $635.81 |
|
Auction yield range:
| 7.98% - 7.98% |
Estimated loss impact:
| 8.66% | | |
Lender servicing fee:
| 1.00% |
Estimated return:
| -0.68% | | |
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper scores:
| |
First credit line:
| May-1986 |
Debt/Income ratio:
| 28% |
Basic (1-10):
| 4 |
Inquiries last 6m:
| 2 | Employment status: | Full-time employee |
Enhanced (1-5): | 4 |
Current / open credit lines:
| 7
/
7 | Length of status: | 1y 5m |
Credit score:
| 760-779 (Jun-2010) |
Total credit lines:
| 15 |
Occupation: | Retail Management |
Now delinquent:
| 0 |
Revolving credit balance:
| $10,892 | Stated income: | $50,000-$74,999 |
Amount delinquent:
| $0 |
Bankcard utilization:
| 32% | | |
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| Yes | | |
Delinquencies in last 7y:
| 0 | | | | |
Screen name:
| reverent-wealth8 |
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
Reliable Borrower Paying Down Debt
Purpose of loan:
This loan will be used to?
Consolidate credit card debt that I am tired of shifting around.
My financial situation:
I am a good candidate for this loan because?
I have never, ever missed a payment or even been late. My credit history has been stellar since my first credit card.
Monthly net income: $
$3700
Monthly expenses: $
??Housing: $
1240
??Insurance: $
120
??Car expenses: $
50
??Utilities: $
200
??Phone, cable, internet: $
100
??Food, entertainment: $
200
??Clothing, household expenses $
100
??Credit cards and other loans: $
650
??Other expenses: $
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
462433
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount:
| $2,000.00 |
Prosper Rating:
| AA |
Auction Duration:
| 7 days
|
Term:
| 36 months |
Estimated loss:
| 0.6% | | |
| | |
|
Starting lender yield:
| 6.10% |
Starting borrower rate/APR:
| 7.10% / 7.44% |
Starting monthly payment:
| $61.85 |
|
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-1994 |
Debt/Income ratio:
| 11% |
Basic (1-10):
| 10 |
Inquiries last 6m:
| 0 | Employment status: | Full-time employee |
Enhanced (1-5): | 5 |
Current / open credit lines:
| 5
/
2 | Length of status: | 7y 1m |
Credit score:
| 740-759 (Jun-2010) |
Total credit lines:
| 25 |
Occupation: | Other |
Now delinquent:
| 0 |
Revolving credit balance:
| $8,739 | Stated income: | $50,000-$74,999 |
Amount delinquent:
| $0 |
Bankcard utilization:
| 72% | | |
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| No | | |
Delinquencies in last 7y:
| 0 | | | | |
Screen name:
| persistent-fairness |
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
Kitchen upgrades
Purpose of loan:
This loan will be used to upgrade my kitchen.
My financial situation:
I am a good candidate for this loan because I have adequate income, a good credit rating, and I pay my bills on time.
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
462437
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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:
| Dec-2001 |
Debt/Income ratio:
| 32% |
Basic (1-10):
| 8 |
Inquiries last 6m:
| 2 | Employment status: | Full-time employee |
Enhanced (1-5): | 4 |
Current / open credit lines:
| 17
/
16 | Length of status: | 5y 5m |
Credit score:
| 760-779 (Jun-2010) |
Total credit lines:
| 33 |
Occupation: | Construction |
Now delinquent:
| 0 |
Revolving credit balance:
| $13,429 | Stated income: | $25,000-$49,999 |
Amount delinquent:
| $0 |
Bankcard utilization:
| 29% | | |
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| Yes | | |
Delinquencies in last 7y:
| 0 | | | | |
Screen name:
| peace-percolator2 |
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
puting in a new boiler
Purpose of loan:
This loan will be used to put a new boiler in
My financial situation:
I am a good candidate for this loan because im always paying my bills in a timely manner
Monthly net income: $ 3720
Monthly expenses: $?
??Housing: $ 750
??Insurance: $
??Car expenses: $ 499
??Utilities: $ 200
??Phone, cable, internet: $ 120
??Food, entertainment: $ 800
??Clothing, household expenses $
??Credit cards and other loans: $ 600
??Other expenses: $
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
462443
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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:
| 18.0% | | |
| | |
|
Starting lender yield:
| 34.00% |
Starting borrower rate/APR:
| 35.00% / 39.15% |
Starting monthly payment:
| $45.24 |
|
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-1996 |
Debt/Income ratio:
| Not calculated |
Basic (1-10):
| 5 |
Inquiries last 6m:
| 2 | Employment status: | Full-time employee |
Enhanced (1-5): | 2 |
Current / open credit lines:
| 16
/
18 | Length of status: | 0y 0m |
Credit score:
| 640-659 (Jun-2010) |
Total credit lines:
| 44 |
Occupation: | Professional |
Now delinquent:
| 7 |
Revolving credit balance:
| $799 | Stated income: | $50,000-$74,999 |
Amount delinquent:
| $2,876 |
Bankcard utilization:
| 28% | | |
Public records last 12m / 10y:
| 0/ 1 |
Homeownership:
| No | | |
Delinquencies in last 7y:
| 21 | | | | |
Screen name:
| leverage-platoon |
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
Personal Loan - Debt Consolidation
Purpose of loan:
I have recently relocated across the country to start a new job, and this will help offset my moving expenses.
My financial situation:
I am a good candidate for this loan because I have a solid work history and am able to make solid repayments.? I have a large amount of credit lines open because of student loans.? Some of these are delinquent and I am working to bring them current.
Monthly net income: $ 4,500
Monthly expenses: $
??Housing: $ 550.00
??Insurance: $ 120.00
??Car expenses: $ 300.00
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
462449
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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:
| Dec-1999 |
Debt/Income ratio:
| 19% |
Basic (1-10):
| 4 |
Inquiries last 6m:
| 0 | Employment status: | Full-time employee |
Enhanced (1-5): | 3 |
Current / open credit lines:
| 1
/
1 | Length of status: | 10y 8m |
Credit score:
| 660-679 (Jun-2010) |
Total credit lines:
| 40 |
Occupation: | Administrative Assi... |
Now delinquent:
| 0 |
Revolving credit balance:
| $0 | Stated income: | $1-$24,999 |
Amount delinquent:
| $0 |
Bankcard utilization:
| 0% | | |
Public records last 12m / 10y:
| 0/ 1 |
Homeownership:
| No | | |
Delinquencies in last 7y:
| 1 | | | | |
Screen name:
| sentimental-dedication |
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
Pay off small loans
Purpose of loan:
This loan will be used to? to pay off smaller loans, dental needs and re establish credit
My financial situation:
I am a good candidate for this loan because? very responsible married woman, gainfully employed for many years.? Mother of two.?
Monthly net income: $ 1500
Monthly expenses: $
??Housing: $ 600
??Insurance: $ 45????????
??Car expenses: $
??Utilities: $?100
??Phone, cable, internet: $ 77
??Food, entertainment: $ 150.00
??Clothing, household expenses $ 100
??Credit cards and other loans: $ 92
??Other expenses: $
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
462451
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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:
| Jun-2005 |
Debt/Income ratio:
| 29% |
Basic (1-10):
| 8 |
Inquiries last 6m:
| 0 | Employment status: | Full-time employee |
Enhanced (1-5): | 5 |
Current / open credit lines:
| 10
/
9 | Length of status: | 1y 4m |
Credit score:
| 700-719 (Jun-2010) |
Total credit lines:
| 12 |
Occupation: | Sales - Commission |
Now delinquent:
| 0 |
Revolving credit balance:
| $6,231 | 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:
| wise-unique-commerce |
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
Buying a new vehicle
Purpose of loan:
Purchasing a new vehicle
My financial situation:
I am very credit worthy, have very little monthly expense, and have personal savings to insure. Monthly income can easily cover payments.
Monthly net income: $
2500-3500
Monthly expenses: $
??Housing: $
0
??Insurance: $ 100
??Car expenses: $
200
??Utilities: $
20
??Phone, cable, internet: $
20
??Food, entertainment: $
100
??Clothing, household expenses $
50
??Credit cards and other loans: $
200
??Other expenses: $
0
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
462459
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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:
| C |
Auction Duration:
| 7 days
|
Term:
| 36 months |
Estimated loss:
| 7.0% | | |
| | |
|
Starting lender yield:
| 13.25% |
Starting borrower rate/APR:
| 14.25% / 16.41% |
Starting monthly payment:
| $274.39 |
|
Auction yield range:
| 7.98% - 13.25% |
Estimated loss impact:
| 7.29% | | |
Lender servicing fee:
| 1.00% |
Estimated return:
| 5.96% | | |
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-1989 |
Debt/Income ratio:
| 18% |
Basic (1-10):
| 7 |
Inquiries last 6m:
| 0 | Employment status: | Full-time employee |
Enhanced (1-5): | 5 |
Current / open credit lines:
| 6
/
6 | Length of status: | 16y 0m |
Credit score:
| 760-779 (Jun-2010) |
Total credit lines:
| 26 |
Occupation: | Civil Service |
Now delinquent:
| 1 |
Revolving credit balance:
| $5,003 | Stated income: | $50,000-$74,999 |
Amount delinquent:
| $22,757 |
Bankcard utilization:
| 18% | | |
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| No | | |
Delinquencies in last 7y:
| 0 | | | | |
Screen name:
| sophisticated-fund6 |
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
tractor purchase
Purpose of loan:
This loan will be used to? purchase a tractor????
My financial situation:
I am a good candidate for this loan because? I have hardly any debt, and the tractor is to help my?parents with their land?
Monthly net income: $ 3400
Monthly expenses: $
??Housing: $ 215????
??Insurance: $ 110????
??Car expenses: $ 446
??Utilities: $ 125
??Phone, cable, internet: $ 140
??Food, entertainment: $?180??Clothing, household expenses $ 100
??Credit cards and other loans: $ 50
??Other expenses: $ 0
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
462463
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount:
| $3,500.00 |
Prosper Rating:
| D |
Auction Duration:
| 7 days
|
Term:
| 36 months |
Estimated loss:
| 10.0% | | |
| | |
|
Starting lender yield:
| 25.25% |
Starting borrower rate/APR:
| 26.25% / 28.57% |
Starting monthly payment:
| $141.48 |
|
Auction yield range:
| 10.98% - 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:
| 9% |
Basic (1-10):
| 8 |
Inquiries last 6m:
| 0 | Employment status: | Full-time employee |
Enhanced (1-5): | 5 |
Current / open credit lines:
| 8
/
7 | Length of status: | 7y 4m |
Credit score:
| 660-679 (Jun-2010) |
Total credit lines:
| 12 |
Occupation: | Social Worker |
Now delinquent:
| 0 |
Revolving credit balance:
| $5,220 | Stated income: | $50,000-$74,999 |
Amount delinquent:
| $0 |
Bankcard utilization:
| 91% | | |
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| Yes | | |
Delinquencies in last 7y:
| 0 | | | | |
Screen name:
| Social_Worker |
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
Debt consolidation - credit cards
Investors,
Below you will find some general information on my situation. Please let me know if you have any questions after reviewing my info.
Purpose of loan:
This loan will be used to pay off my high interest credit cards that have gotten out of control. There are?4 with small balances that add up and it seems that I will never be done paying them off with these higher interest rates. I just keep paying and paying more than the minimum balance each month and the balance goes nowhere.
My financial situation:
I am a good candidate for this loan because within the last 2 years, I have gotten married, bought a house, and paid off my car in full. I have also been at my same place of employment for over 7 years. These actions just begin to show how dependable I am. Monthly net income: $ 4,000 +
Monthly expenses: $
??Housing: $?900
??Insurance: $ 141
??Car expenses: $ 0
??Utilities: $ 242
??Phone, cable, internet: $ 300
??Food, entertainment: $ 200
??Clothing, household expenses $ 100
??Credit cards and other loans: $ out of control with the interest rates
Please trust in me with a bid on my loan. Thank you for your time.
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
462467
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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:
| 9.80% |
Starting borrower rate/APR:
| 10.80% / 12.92% |
Starting monthly payment:
| $326.44 |
|
Auction yield range:
| 3.98% - 9.80% |
Estimated loss impact:
| 2.13% | | |
Lender servicing fee:
| 1.00% |
Estimated return:
| 7.67% | | |
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-1996 |
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:
| 15
/
11 | Length of status: | 0y 2m |
Credit score:
| 700-719 (May-2010) |
Total credit lines:
| 32 |
Occupation: | Other |
Now delinquent:
| 0 |
Revolving credit balance:
| $99,969 | Stated income: | $100,000+ |
Amount delinquent:
| $0 |
Bankcard utilization:
| 90% | | |
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| Yes | | |
Delinquencies in last 7y:
| 12 | | | | |
Screen name:
| digba1 |
Borrower's state:
| Georgia |
Borrower's group:
| Not Active |
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan history | Payment history | Credit score history |
Active / total loans:
| 1 / 1 |
On-time:
| 33 ( 100% )
| 700-719 (Latest)
|
Principal borrowed:
| $5,000.00 | < 31 days late:
| 0
( 0% )
| 640-659
(Feb-2010)
620-639
(Aug-2007)
540-559
(Jul-2007)
620-639
(Jun-2007)
|
Principal balance:
| $527.97 |
31+ days late:
| 0
( 0% )
|
Total payments billed:
| 33 | | |
Description
Home Improvement: A New Kitchen
Purpose of loan:
This is my third attempt for a loan.? I raised the APR and hopefully you will bid on my loan.?
To all of those who participated in the bidding the previously: THANK YOU for your help.
This loan will be used to update my kitchen: new paint, new counter tops, new appliances and new cabinets.
My financial situation:
I am a good candidate for this loan because:
- I have a full time job
- I pay my bills on time
- I have a good history with Prosper as this is not my first loan
Thank you for your help.
Best,
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
462473
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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:
| 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:
| $328.23 |
|
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:
| Nov-1978 |
Debt/Income ratio:
| 13% |
Basic (1-10):
| 6 |
Inquiries last 6m:
| 0 | Employment status: | Full-time employee |
Enhanced (1-5): | 5 |
Current / open credit lines:
| 3
/
2 | Length of status: | 0y 4m |
Credit score:
| 740-759 (Jun-2010) |
Total credit lines:
| 11 |
Occupation: | Sales - Commission |
Now delinquent:
| 1 |
Revolving credit balance:
| $4,506 | Stated income: | $25,000-$49,999 |
Amount delinquent:
| $280 |
Bankcard utilization:
| 13% | | |
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| No | | |
Delinquencies in last 7y:
| 0 | | | | |
Screen name:
| universe030 |
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 an Engagement Ring
Purpose of loan:
This loan will be used to?
Purchase an Engagement Ring
My financial situation:
I am a good candidate for this loan because?
I have a stable job?and am currently living rent-free with my parents
Monthly net income: $ 41000
Monthly expenses: $
??Housing: $ 0
??Insurance: $ 100
??Car expenses: $??300
?Utilities: $ 100
??Phone, cable, internet: $ 200
??Food, entertainment: $?100
??Clothing, household expenses $ 150
??Credit cards and other loans: $ 100
??Other expenses: $
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
462477
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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:
| Jun-2001 |
Debt/Income ratio:
| 133% |
Basic (1-10):
| 1 |
Inquiries last 6m:
| 6 | Employment status: | Full-time employee |
Enhanced (1-5): | 1 |
Current / open credit lines:
| 8
/
6 | Length of status: | 7y 8m |
Credit score:
| 680-699 (Jun-2010) |
Total credit lines:
| 20 |
Occupation: | Retail Management |
Now delinquent:
| 0 |
Revolving credit balance:
| $9,526 | Stated income: | $1-$24,999 |
Amount delinquent:
| $0 |
Bankcard utilization:
| 95% | | |
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| Yes | | |
Delinquencies in last 7y:
| 0 | | | | |
Screen name:
| benevolent-greenback6 |
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
making my account positive
Purpose of loan:
This loan will be used to?keep my account positive until i can catch back up
My financial situation: is getting under control cause i put myself on a budget
I am a good candidate for this loan because?i can pay it back within a decent amount of time
Monthly net income: $ 3500
Monthly expenses: $
??Housing: $674.02
??Insurance: $150
??Car expenses: $530
??Utilities: $20
??Phone, cable, internet: $145
??Food, entertainment: $15
??Clothing, household expenses $
??Credit cards and other loans: $430
??Other expenses: $40
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
462483
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount:
| $8,350.00 |
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:
| $267.20 |
|
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:
| Aug-1992 |
Debt/Income ratio:
| 39% |
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: | 14y 2m |
Credit score:
| 800-819 (Jun-2010) |
Total credit lines:
| 32 |
Occupation: | Retail Management |
Now delinquent:
| 0 |
Revolving credit balance:
| $6,253 | Stated income: | $25,000-$49,999 |
Amount delinquent:
| $0 |
Bankcard utilization:
| 46% | | |
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| Yes | | |
Delinquencies in last 7y:
| 0 | | | | |
Screen name:
| ingenious-social3 |
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
The purpose of this loan is to consolidate debt and pay off credit cards. I have an excellent credit history and always manage to pay my bills.
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
462495
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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:
| Aug-1999 |
Debt/Income ratio:
| Not calculated |
Basic (1-10):
| 9 |
Inquiries last 6m:
| 2 | Employment status: | Not employed |
Enhanced (1-5): | 5 |
Current / open credit lines:
| 7
/
7 | Length of status: | 0y 1m |
Credit score:
| 760-779 (Jun-2010) |
Total credit lines:
| 22 | Stated income: | Not employed |
Now delinquent:
| 0 |
Revolving credit balance:
| $5,603 | |
Amount delinquent:
| $0 |
Bankcard utilization:
| 17% | | |
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| No | | |
Delinquencies in last 7y:
| 0 | | | | |
Screen name:
| impressive-worth46 |
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
Pay one month's rent
Purpose of loan: To pay one month's rent while interviewing for jobs.
This loan will be used to cover one month's rent while obtaining a new position after relocation.
My financial situation: I have a Master's degree and have held a job since I was fifteen. I worked throughout school and at times worked two jobs concurrently. I have interviews scheduled but will not have income in time to cover rent by due date. I am a newlywed and we are awaiting my husband's green card and approval to work (he has a job offer but cannot start until his green card arrives which should arrive in the next 30-60 days). The costs of relocation and following the proper immigration channels have resulted in the need for a short term loan.
We are a good candidate for this loan because my husband is employed and will be able to start work in the next few weeks and I will be obtaining employment shortly so we will pay back the loan in a timely manner.
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
462507
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount:
| $3,000.00 |
Prosper Rating:
| HR |
Auction Duration:
| 7 days
|
Term:
| 36 months |
Estimated loss:
| 25.0% | | |
| | |
|
Starting lender yield:
| 34.00% |
Starting borrower rate/APR:
| 35.00% / 37.45% |
Starting monthly payment:
| $135.71 |
|
Auction yield range:
| 16.98% - 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-2006 |
Debt/Income ratio:
| 12% |
Basic (1-10):
| 3 |
Inquiries last 6m:
| 4 | Employment status: | Full-time employee |
Enhanced (1-5): | 3 |
Current / open credit lines:
| 2
/
2 | Length of status: | 2y 1m |
Credit score:
| 640-659 (May-2010) |
Total credit lines:
| 3 |
Occupation: | Other |
Now delinquent:
| 1 |
Revolving credit balance:
| $9 | Stated income: | $25,000-$49,999 |
Amount delinquent:
| $315 |
Bankcard utilization:
| 1% | | |
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| No | | |
Delinquencies in last 7y:
| 0 | | | | |
Screen name:
| worlds-best-wealth |
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
Need A Little Debt To Build Credit
Purpose of loan:
Build credit and trust. I want to increase my credit score so I can purchase my first home at a good rate next year. My credit report needs to show more borrowing and my love of travel can help. I've been to Italy, Australia, and plan to see more of Canada this summer. I'll be combining vacation days with paid holidays and weekends for these trips. I won't interrupt my income. I'll charge travel expenses on my cards to boost activity and then consolidate to this loan where payment history can build.
Employment and income:
Steady. I completed entry level work and a training period last December and am promoted to Stock Broker at a nationally known brokerage house (have FINRA Series 7 and 63 licenses). The on-line firm has a concentration of walk-in offices in my state.
My financial situation:
Cash flow positive. Thanks to low expenses I am rapidly building my downpayment for a home. Cash reserves now total $19,800. I'll begin looking for a home once I have $40,000. If something unexpected would happen in the meantime I can easily pay this loan from cash.
MONTHLY HOUSEHOLD BUDGET
complete detail is on my Member page
Total Cash Available - $ 2,833
Fixed Expenses - $ 698
Elective expenses - $ 1,417
Debt Service - $ 255
Unallocated Cash Available - $ 463
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
462509
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount:
| $6,000.00 |
Prosper Rating:
| E |
Auction Duration:
| 7 days
|
Term:
| 36 months |
Estimated loss:
| 14.0% | | |
| | |
|
Starting lender yield:
| 34.00% |
Starting borrower rate/APR:
| 35.00% / 37.45% |
Starting monthly payment:
| $271.42 |
|
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-1990 |
Debt/Income ratio:
| 34% |
Basic (1-10):
| 6 |
Inquiries last 6m:
| 4 | Employment status: | Full-time employee |
Enhanced (1-5): | 2 |
Current / open credit lines:
| 8
/
8 | Length of status: | 0y 5m |
Credit score:
| 680-699 (Jun-2010) |
Total credit lines:
| 31 |
Occupation: | Analyst |
Now delinquent:
| 0 |
Revolving credit balance:
| $30,673 | Stated income: | $50,000-$74,999 |
Amount delinquent:
| $0 |
Bankcard utilization:
| 50% | | |
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| No | | |
Delinquencies in last 7y:
| 0 | | | | |
Screen name:
| finance-linkage7 |
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
Reduce 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
462519
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount:
| $1,000.00 |
Prosper Rating:
| A |
Auction Duration:
| 7 days
|
Term:
| 36 months |
Estimated loss:
| 2.1% | | |
| | |
|
Starting lender yield:
| 8.33% |
Starting borrower rate/APR:
| 9.33% / 12.88% |
Starting monthly payment:
| $31.95 |
|
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:
| Jun-1991 |
Debt/Income ratio:
| 134% |
Basic (1-10):
| 9 |
Inquiries last 6m:
| 0 | Employment status: | Full-time employee |
Enhanced (1-5): | 2 |
Current / open credit lines:
| 6
/
6 | Length of status: | 9y 11m |
Credit score:
| 700-719 (Jun-2010) |
Total credit lines:
| 9 |
Occupation: | Other |
Now delinquent:
| 0 |
Revolving credit balance:
| $62,803 | Stated income: | $1-$24,999 |
Amount delinquent:
| $0 |
Bankcard utilization:
| 102% | | |
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| No | | |
Delinquencies in last 7y:
| 0 | | | | |
Screen name:
| sincere-peace5 |
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
pay down card
Purpose of loan:
This loan will be used to?
My financial situation:
I am a good candidate for this loan because?
Monthly net income: $
Monthly expenses: $
??Housing: $
??Insurance: $
??Car expenses: $
??Utilities: $
??Phone, cable, internet: $
??Food, entertainment: $
??Clothing, household expenses $
??Credit cards and other loans: $
??Other expenses: $
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
462521
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount:
| $2,500.00 |
Prosper Rating:
| C |
Auction Duration:
| 7 days
|
Term:
| 36 months |
Estimated loss:
| 6.5% | | |
| | |
|
Starting lender yield:
| 18.90% |
Starting borrower rate/APR:
| 19.90% / 22.14% |
Starting monthly payment:
| $92.78 |
|
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-2001 |
Debt/Income ratio:
| 67% |
Basic (1-10):
| 9 |
Inquiries last 6m:
| 0 | Employment status: | Full-time employee |
Enhanced (1-5): | 4 |
Current / open credit lines:
| 9
/
8 | Length of status: | 6y 11m |
Credit score:
| 660-679 (Jun-2010) |
Total credit lines:
| 16 |
Occupation: | Car Dealer |
Now delinquent:
| 0 |
Revolving credit balance:
| $17,358 | Stated income: | $25,000-$49,999 |
Amount delinquent:
| $0 |
Bankcard utilization:
| 91% | | |
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| Yes | | |
Delinquencies in last 7y:
| 0 | | | | |
Screen name:
| first-reward-evergreen |
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
Desperately need a New A/C Unit!
Purpose of loan:
Our A/C Unit?is broken.?We?requested?an estimate to fix it from 4 different companies/contractors. We will need to replace freeyon lines too, because of a leak, the 10year-old unit is also damaged. We're requesting this loan because it's quite an emergency to get it fixed ASAP, since Miami temperatures in the summer are always close to 100F.
Monthly net income: $ 3500 (Alone) + 2500 (My Wife)
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
462525
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount:
| $3,800.00 |
Prosper Rating:
| 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:
| $171.90 |
|
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:
| Jan-1973 |
Debt/Income ratio:
| 86% |
Basic (1-10):
| 1 |
Inquiries last 6m:
| 9 | Employment status: | Retired |
Enhanced (1-5): | 1 |
Current / open credit lines:
| 10
/
8 | Length of status: | 19y 3m |
Credit score:
| 680-699 (Jun-2010) |
Total credit lines:
| 21 | Stated income: | $1-$24,999 |
Now delinquent:
| 2 |
Revolving credit balance:
| $1,134 | |
Amount delinquent:
| $3,294 |
Bankcard utilization:
| 37% | | |
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| Yes | | |
Delinquencies in last 7y:
| 0 | | | | |
Screen name:
| dignified-p2p2 |
Borrower's state:
| Utah |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Description
My personal loan for my business
Purpose of loan:
This loan will be used to?
My financial situation:
I am a good candidate for this loan because?
Monthly net income: $ 2931.
Monthly expenses: $
??Housing: $ 1148.69????
??Insurance: $ 92.
??Car expenses: $ 124.????????
??Utilities: $ 200
??Phone, cable, internet: $ 116.
??Food, entertainment: $ 200.
??Clothing, household expenses $
??Credit cards and other loans: $ 400.
??Other expenses: $
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
462543
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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:
| 21.68% |
Starting borrower rate/APR:
| 22.68% / 26.53% |
Starting monthly payment:
| $38.54 |
|
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:
| Mar-2000 |
Debt/Income ratio:
| 22% |
Basic (1-10):
| 8 |
Inquiries last 6m:
| 3 | Employment status: | Full-time employee |
Enhanced (1-5): | 2 |
Current / open credit lines:
| 5
/
4 | Length of status: | 1y 11m |
Credit score:
| 720-739 (May-2010) |
Total credit lines:
| 9 |
Occupation: | Sales - Retail |
Now delinquent:
| 0 |
Revolving credit balance:
| $24 | Stated income: | $25,000-$49,999 |
Amount delinquent:
| $0 |
Bankcard utilization:
| 0% | | |
Public records last 12m / 10y:
| 0/ 1 |
Homeownership:
| No | | |
Delinquencies in last 7y:
| 0 | | | | |
Screen name:
| funds-conga8 |
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
vacation
Purpose of loan:
This loan will be used to?
take?my mother on a vacation to europe.
My financial situation:
I am a good candidate for this loan because?
I do not have any delinquent accounts.
Monthly net income: $ 1700
Monthly expenses: $
??Housing: $ 500
??Insurance: $
??Car expenses: $ 300 car note
??Utilities: $
??Phone, cable, internet: $ 25
??Food, entertainment: $
??Clothing, household expenses $
??Credit cards and other loans: $
??Other expenses: $
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
462567
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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:
| 14.00% |
Starting borrower rate/APR:
| 15.00% / 17.17% |
Starting monthly payment:
| $519.98 |
|
Auction yield range:
| 10.98% - 14.00% |
Estimated loss impact:
| 10.31% | | |
Lender servicing fee:
| 1.00% |
Estimated return:
| 3.69% | | |
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper scores:
| |
First credit line:
| Oct-1989 |
Debt/Income ratio:
| 33% |
Basic (1-10):
| 6 |
Inquiries last 6m:
| 0 | Employment status: | Full-time employee |
Enhanced (1-5): | 4 |
Current / open credit lines:
| 12
/
9 | Length of status: | 1y 2m |
Credit score:
| 740-759 (Jun-2010) |
Total credit lines:
| 35 |
Occupation: | Analyst |
Now delinquent:
| 0 |
Revolving credit balance:
| $49,344 | Stated income: | $50,000-$74,999 |
Amount delinquent:
| $0 |
Bankcard utilization:
| 85% | | |
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| Yes | | |
Delinquencies in last 7y:
| 0 | | | | |
Screen name:
| blue-revenue-catapult |
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
Help for high rate credit cards
Purpose of loan:
This loan will be used to?
payoff high interest credit cards. The interest rates were increased prior to the recent credit card reform despite the fact that I have never had a late payment or have never been?over the limit.
My financial situation:
I am a good candidate for this loan because? as evidenced by my profile I have never been late for a credit card, car, or house payment. I even managed to keep my credit current when my husband was diagnosed with stage 3 throat cancer. Thankfully, he is in remission, but his reduction in income for over a year caused us to use our savings and any extra money. I have an annual income of $73,700 and have been in the same line of work?since I graduated from college. I also have my husband's income to assist in repayment of this loan and he has been employed with the same employer for 18 years.?Thank you for your consideration.????
Monthly net income: $ 6,400
Monthly expenses: $
??Housing: $ 1,575
??Insurance: $ 125
??Car expenses: $ 475 car payment, $300 gas
??Utilities: $ 400
??Phone, cable, internet: $ 250
??Food, entertainment: $ 600
??Clothing, household expenses $ 250?
??Credit cards and other loans: $ 1600, this will reduce if this loan is funded
??Other expenses: $ 200, medical bills
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
462579
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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:
| 25.38% |
Starting borrower rate/APR:
| 26.38% / 30.32% |
Starting monthly payment:
| $40.49 |
|
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:
| Dec-1994 |
Debt/Income ratio:
| 14% |
Basic (1-10):
| 7 |
Inquiries last 6m:
| 4 | Employment status: | Full-time employee |
Enhanced (1-5): | 2 |
Current / open credit lines:
| 8
/
4 | Length of status: | 15y 11m |
Credit score:
| 640-659 (Jun-2010) |
Total credit lines:
| 25 |
Occupation: | Professional |
Now delinquent:
| 0 |
Revolving credit balance:
| $0 | Stated income: | $100,000+ |
Amount delinquent:
| $0 |
Bankcard utilization:
| 0% | | |
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| Yes | | |
Delinquencies in last 7y:
| 17 | | | | |
Screen name:
| RightDirection |
Borrower's state:
| Texas |
Borrower's group:
| Vets helping Vets |
Credit and homeownership information was obtained 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:
| 38 ( 100% )
| 640-659 (Latest)
|
Principal borrowed:
| $9,000.00 | < 31 days late:
| 0
( 0% )
| 640-659
(May-2010)
600-619
(Jun-2008)
600-619
(Feb-2008)
600-619
(Nov-2007)
|
Principal balance:
| $20.09 |
31+ days late:
| 0
( 0% )
|
Total payments billed:
| 38 | | |
Description
Moving expenses
Purpose of loan:
This loan will be used to pay for recent moving expenses not covered by my company.
My financial situation:
I am a good candidate for this loan because I recently worked in Iraq as a contractor, which enabled me to pay off over $44,000 in credit card debt. I am now free of credit card and loan debt (with exception of car payment and house payment, which I have rented out for the amount of the monthly mortgage payment) . The only reason I have to take this loan for this high interest amount is that I still have the bad credit score from past debt.
Monthly net income: $6200
Monthly expenses: $2413
??Housing: $1015
??Insurance: $75
??Car expenses: $328
??Utilities: $250
??Phone, cable, internet: $145
??Food, entertainment: $400
??Clothing, household expenses $200
??Credit cards and other loans: $0?
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
462597
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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-1998 |
Debt/Income ratio:
| 4% |
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: | 28y 0m |
Credit score:
| 680-699 (Jun-2010) |
Total credit lines:
| 38 |
Occupation: | Executive |
Now delinquent:
| 0 |
Revolving credit balance:
| $3,944 | Stated income: | $100,000+ |
Amount delinquent:
| $0 |
Bankcard utilization:
| 96% | | |
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
Consolidate debt,get back on track
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. My credit is fair due to my divorce and personal decisions made during the process. Need to pay down current debt as soon as possible. Just looking to re-establish my credit and start fresh. Your help is appreciated.
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
462633
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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:
| Feb-1982 |
Debt/Income ratio:
| 27% |
Basic (1-10):
| 8 |
Inquiries last 6m:
| 0 | Employment status: | Full-time employee |
Enhanced (1-5): | 4 |
Current / open credit lines:
| 10
/
9 | Length of status: | 2y 2m |
Credit score:
| 660-679 (Jun-2010) |
Total credit lines:
| 21 |
Occupation: | Sales - Commission |
Now delinquent:
| 0 |
Revolving credit balance:
| $5,810 | Stated income: | $25,000-$49,999 |
Amount delinquent:
| $0 |
Bankcard utilization:
| 67% | | |
Public records last 12m / 10y:
| 0/ 2 |
Homeownership:
| No | | |
Delinquencies in last 7y:
| 2 | | | | |
Screen name:
| nickel-palm |
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
NEED HELP PAYING OFF CREDIT CARDS
Purpose of loan:
This loan will be used to? WANT TO PAY OFF CREDIT CARDS
My financial situation:
I am a good candidate for this loan because?
My biggest goal is to have peace of mind knowing this dept will bill paid by a certain date. I guess it has taken me this time to learn of my stupidity. I am in a place now that knows when and how to spend money, (money that I have) not money that I do not have. I am hoping with an organization like this that there are others that my understand were I have been and were my direction is now.??Monthly net income: $
Monthly expenses: $
??Housing: $ 390????
??Insurance: $ 25
??Car expenses: $?125??Utilities: $110
??Phone, cable, internet: $75
??Food, entertainment: $?200??Clothing, household expenses $
??Credit cards and other loans: $ 300
??Other expenses: $
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
462639
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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:
| 13.85% |
Starting borrower rate/APR:
| 14.85% / 17.02% |
Starting monthly payment:
| $345.92 |
|
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:
| Dec-1983 |
Debt/Income ratio:
| 12% |
Basic (1-10):
| 8 |
Inquiries last 6m:
| 0 | Employment status: | Full-time employee |
Enhanced (1-5): | 5 |
Current / open credit lines:
| 4
/
4 | Length of status: | 9y 2m |
Credit score:
| 720-739 (Jun-2010) |
Total credit lines:
| 10 |
Occupation: | Other |
Now delinquent:
| 0 |
Revolving credit balance:
| $5,681 | Stated income: | $75,000-$99,999 |
Amount delinquent:
| $0 |
Bankcard utilization:
| 54% | | |
Public records last 12m / 10y:
| 0/ 1 |
Homeownership:
| No | | |
Delinquencies in last 7y:
| 0 | | | | |
Screen name:
| responsibility-bopper5 |
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 off a credit card
Purpose of loan:
This loan will be used to pay off one credit card whose interest jumped a huge amount after Feb, 2010 when the new Federal credit card laws went into effect
My financial situation:
I am a good candidate for this loan because I have a steady job as HR Manager at a government agency in MA?with good prospects for contnued employemnt.? I always pay my debts on time, and my credit record shows this.
Monthly net income: $ 3400
Monthly expenses: $
??Housing: $ 900
??Insurance: $ 122 (health insurance)
??Car expenses: $ 150
??Utilities: $ 50
??Phone, cable, internet: $ 145
??Food, entertainment: $ 400
??Clothing, household expenses $ 250
??Credit cards and other loans: $ 600 - 800
??Other expenses: $ 300
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
462651
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount:
| $12,000.00 |
Prosper Rating:
| HR |
Auction Duration:
| 7 days
|
Term:
| 36 months |
Estimated loss:
| 34.5% | | |
| | |
|
Starting lender yield:
| 34.00% |
Starting borrower rate/APR:
| 35.00% / 37.45% |
Starting monthly payment:
| $542.83 |
|
Auction yield range:
| 16.98% - 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:
| Not calculated |
Basic (1-10):
| 1 |
Inquiries last 6m:
| 3 | Employment status: | Full-time employee |
Enhanced (1-5): | 3 |
Current / open credit lines:
| 17
/
17 | Length of status: | 10y 2m |
Credit score:
| 660-679 (Jun-2010) |
Total credit lines:
| 33 |
Occupation: | Retail Management |
Now delinquent:
| 1 |
Revolving credit balance:
| $16,774 | Stated income: | $75,000-$99,999 |
Amount delinquent:
| $98 |
Bankcard utilization:
| 92% | | |
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| Yes | | |
Delinquencies in last 7y:
| 0 | | | | |
Screen name:
| TYWANDAQ |
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
PREMIERBIZ
Purpose of loan:
This loan will be used to?
My financial situation:
I am a good candidate for this loan because?
I PAY MY BILLS ON TIME
Monthly net income: $ 6500
Monthly expenses: $
??Housing: $ 600
??Insurance: $ 125
??Car expenses: $ 432
Utilities: $ 200
??Phone, cable, internet: $ 100
??Food, entertainment: $ 200
??Clothing, household expenses $?200
??Credit cards and other loans: $ 1000
Other expenses: $ 100
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
462669
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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:
| Apr-1986 |
Debt/Income ratio:
| 28% |
Basic (1-10):
| 4 |
Inquiries last 6m:
| 4 | Employment status: | Full-time employee |
Enhanced (1-5): | 3 |
Current / open credit lines:
| 5
/
6 | Length of status: | 24y 6m |
Credit score:
| 640-659 (Jun-2010) |
Total credit lines:
| 41 |
Occupation: | Professional |
Now delinquent:
| 8 |
Revolving credit balance:
| $6,042 | Stated income: | $50,000-$74,999 |
Amount delinquent:
| $19,193 |
Bankcard utilization:
| 29% | | |
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| Yes | | |
Delinquencies in last 7y:
| 20 | | | | |
Screen name:
| burgeoning-fund6 |
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
To pay off taxes
Purpose of loan:
The purpose is to pay off my taxes My financial situation:? My financial situation is getting better and this loan will help me out very much.? I know that?I am a high?risk, but if I get this?loan funded?I will?make my paymnent on time every month until paid off.? This loan will help me pay off my taxes.? SoI will not get all the extra charges from the IRS.
I am a good candidate because?I am trying to build my credit back?up to where it was 2yrs ago.?Which at the time my credit score was in the ?700 plus listing.? I just ran in to some hard time and now?I am back on track to make a new start.?Monthly net income: $ 5,000.00
Monthly expenses: $
??Housing: $ 1,400
??Insurance: $ 100
??Car expenses: $ 150
??Utilities: $ 300
??Phone, cable, internet: $ 150
??Food, entertainment: $ 300
??Clothing, household expenses $ 100
??Credit cards and other loans: $1000
??Other expenses: $ 200
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
462681
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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:
| Jun-1995 |
Debt/Income ratio:
| 19% |
Basic (1-10):
| 6 |
Inquiries last 6m:
| 0 | Employment status: | Full-time employee |
Enhanced (1-5): | 5 |
Current / open credit lines:
| 13
/
9 | Length of status: | 2y 9m |
Credit score:
| 620-639 (Jun-2010) |
Total credit lines:
| 38 |
Occupation: | Professional |
Now delinquent:
| 1 |
Revolving credit balance:
| $6,925 | Stated income: | $50,000-$74,999 |
Amount delinquent:
| $0 |
Bankcard utilization:
| 85% | | |
Public records last 12m / 10y:
| 0/ 1 |
Homeownership:
| No | | |
Delinquencies in last 7y:
| 6 | | | | |
Screen name:
| bluebonnet1 |
Borrower's state:
| NorthCarolina |
Borrower's group:
| P2P Financial |
Credit and homeownership information was obtained 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:
| 57 ( 97% )
| 620-639 (Latest)
|
Principal borrowed:
| $4,500.00 | < 31 days late:
| 1
( 2% )
| 620-639
(Jun-2008)
540-559
(Sep-2006)
|
Principal balance:
| $1,428.54 |
31+ days late:
| 1
( 2% )
|
Total payments billed:
| 59 | | |
Description
Paid off first loan...
Purpose of loan:
This will be my third loan with Prosper.? I am a big fan of Prosper as I have been able to get the money that I need and pay off within a reasonable amount of time.? I will be using this loan to pay off my current active loan with Prosper and use the remaining money to pay off high interest credit cards.? I have been trying to clean up my credit so I can buy a home within the next year and need to get a few of these things paid off.?
My financial situation:
I am a good candidate for this loan because I have a good stable job in which I make good money.? As everyone knows if does take a while to improve credit.? As you will notice I have been late a couple times with payment, however that was due to changing bank accounts and having problems with the automatic withdrawals.? I am a dependable, honest person and hoping to have this loan paid off before the three years.
Monthly net income: $
3500
Monthly expenses: $
??Housing: $
900.00
??Insurance: $
117.00
??Car expenses: $
600.00
??Utilities: $
60.00
??Phone, cable, internet: $
150
??Food, entertainment: $
300
??Clothing, household expenses $
200
??Credit cards and other loans: $
400
??Other expenses: $
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
462693
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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:
| 13.99% |
Starting borrower rate/APR:
| 14.99% / 17.16% |
Starting monthly payment:
| $103.98 |
|
Auction yield range:
| 10.98% - 13.99% |
Estimated loss impact:
| 10.31% | | |
Lender servicing fee:
| 1.00% |
Estimated return:
| 3.68% | | |
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper scores:
| |
First credit line:
| Jul-2006 |
Debt/Income ratio:
| Self-employed (DTI Not Calculated) |
Basic (1-10):
| 7 |
Inquiries last 6m:
| 0 | Employment status: | Self-employed |
Enhanced (1-5): | 4 |
Current / open credit lines:
| 15
/
8 | Length of status: | 1y 6m |
Credit score:
| 660-679 (May-2010) |
Total credit lines:
| 18 |
Occupation: | Other |
Now delinquent:
| 0 |
Revolving credit balance:
| $6,083 | 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:
| laublas |
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:
| 22 ( 100% )
| 660-679 (Latest)
|
Principal borrowed:
| $4,000.00 | < 31 days late:
| 0
( 0% )
| 700-719
(Jul-2008)
|
Principal balance:
| $1,756.63 |
31+ days late:
| 0
( 0% )
|
Total payments billed:
| 22 | | |
Description
Help to Pay off my Credit Card
Purpose of loan:
This loan will be used to pay off my credit cards with high APR.
My financial situation:
I am a good candidate for this loan because I am a responsible person,? I own a small marketing business (I got the initial capital?thanks to?Prosper 2 years ago and I've never been late on a payment)
Household monthly net income: $ 3,600 aprox
Monthly expenses:?
??Housing: $ 1030
??Car Insurance: $ 79?
??Utilities: $ 48?
??Phone, cable, internet: $135
??Food, entertainment: $?250
??Credit cards and other loans: $?280
Thank you!!
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
457048
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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:
| Jan-1982 |
Debt/Income ratio:
| 11% |
Basic (1-10):
| 5 |
Inquiries last 6m:
| 4 | Employment status: | Full-time employee |
Enhanced (1-5): | 2 |
Current / open credit lines:
| 12
/
11 | Length of status: | 10y 1m |
Credit score:
| 700-719 (Jun-2010) |
Total credit lines:
| 72 |
Occupation: | Doctor |
Now delinquent:
| 0 |
Revolving credit balance:
| $36,487 | Stated income: | $100,000+ |
Amount delinquent:
| $0 |
Bankcard utilization:
| 97% | | |
Public records last 12m / 10y:
| 0/ 1 |
Homeownership:
| Yes | | |
Delinquencies in last 7y:
| 4 | | | | |
Screen name:
| morgabe |
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:
| 16 ( 64% )
| 700-719 (Latest)
|
Principal borrowed:
| $15,000.00 | < 31 days late:
| 9
( 36% )
| 700-719
(Mar-2010)
700-719
(Feb-2010)
700-719
(Jan-2010)
720-739
(Mar-2008)
|
Principal balance:
| $5,334.40 |
31+ days late:
| 0
( 0% )
|
Total payments billed:
| 25 | | |
Description
Buffer for Family
Purpose of loan:
This loan will be used to?
a buffer for my family while I am deployed with the US Army Reserves for at least 90 days.
My financial situation:
I am a good candidate for this loan because?
I have less than one year left with my first loan and have never had a problem paying.
Monthly net income: $
21,000
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
461102
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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:
| Nov-2002 |
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:
| 4
/
3 | Length of status: | 3y 4m |
Credit score:
| 640-659 (Jun-2010) |
Total credit lines:
| 11 |
Occupation: | Other |
Now delinquent:
| 0 |
Revolving credit balance:
| $2,594 | Stated income: | $1-$24,999 |
Amount delinquent:
| $0 |
Bankcard utilization:
| 74% | | |
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| No | | |
Delinquencies in last 7y:
| 0 | | | | |
Screen name:
| RiotEntertainMent |
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:
| 0 / 1 |
On-time:
| 6 ( 86% )
| 640-659 (Latest)
|
Principal borrowed:
| $5,000.00 | < 31 days late:
| 1
( 14% )
| 680-699
(Aug-2009)
680-699
(Apr-2008)
|
Principal balance:
| $0.01 |
31+ days late:
| 0
( 0% )
|
Total payments billed:
| 7 | | |
Description
Help me be debt free!
Purpose of loan:
This loan will be used to??
Consolidate and Eliminate Debt
My financial situation:
I am a good candidate for this loan because??
I pay Quickly, last loan i had i paid off in 9 months, i work hard
i own my own company and i have 3 college degrees. In addition i hold 3
guaranteed production contracts that bring $2000 per month for the next
3 years and my business continues to grow in tough economy
Monthly net income: $
2000
Monthly expenses: $
??Housing: $
300
??Insurance: $
0
??Car expenses: $
0
??Utilities: $
0
??Phone, cable, internet: $
0
??Food, entertainment: $ 100
??Clothing, household expenses $
0
??Credit cards and other loans: $
60
??Other expenses: $
I just finished college and have paid off my student loans. now I'm looking to eliminate my credit card debt and eventually buy a home. Thank you for your time
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
461668
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount:
| $15,000.00 |
Prosper Rating:
| C |
Auction Duration:
| 7 days
|
Term:
| 36 months |
Estimated loss:
| 8.5% | | |
| | |
|
Starting lender yield:
| 24.56% |
Starting borrower rate/APR:
| 25.56% / 27.87% |
Starting monthly payment:
| $600.85 |
|
Auction yield range:
| 7.98% - 24.56% |
Estimated loss impact:
| 9.09% | | |
Lender servicing fee:
| 1.00% |
Estimated return:
| 15.47% | | |
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments 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:
| Self-employed (DTI Not Calculated) |
Basic (1-10):
| 4 |
Inquiries last 6m:
| 0 | Employment status: | Self-employed |
Enhanced (1-5): | 5 |
Current / open credit lines:
| 14
/
11 | Length of status: | 11y 11m |
Credit score:
| 780-799 (Jun-2010) |
Total credit lines:
| 32 |
Occupation: | Tradesman - Electri... |
Now delinquent:
| 0 |
Revolving credit balance:
| $5,991 | Stated income: | $50,000-$74,999 |
Amount delinquent:
| $0 |
Bankcard utilization:
| 53% | | |
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| Yes | | |
Delinquencies in last 7y:
| 0 | | | | |
Screen name:
| jmacdoug |
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
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
462002
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount:
| $14,000.00 |
Prosper Rating:
| 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:
| $448.00 |
|
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:
| Oct-2002 |
Debt/Income ratio:
| Self-employed (DTI Not Calculated) |
Basic (1-10):
| 6 |
Inquiries last 6m:
| 0 | Employment status: | Self-employed |
Enhanced (1-5): | 5 |
Current / open credit lines:
| 6
/
6 | Length of status: | 1y 10m |
Credit score:
| 820-839 (Jun-2010) |
Total credit lines:
| 19 |
Occupation: | Student - College G... |
Now delinquent:
| 0 |
Revolving credit balance:
| $6,611 | Stated income: | $75,000-$99,999 |
Amount delinquent:
| $0 |
Bankcard utilization:
| 17% | | |
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| Yes | | |
Delinquencies in last 7y:
| 0 | | | | |
Screen name:
| rate-xylophone9 |
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
Up Revenue by ~7K/yr.Great History.
Thank you for considering the loan!? We both take debt very seriously.?
Business Hardwood floors, stainless steel appliances, more. New electric/plumbing/heating.? Inspector-praised.? Rent to young professionals with high income.? Contracts signed 6 months in advance.? Savings far higher than revolving debt (used for start-up). Can comfortably repay Prosper at 100% vacancy.?? Owners Master's degrees, strong background in business.? Funded as graduate students & work part-time, high future income potential.? Income from outside sources $61,800/yr. Current business net $2,375/mnth.? Total income $7,525/mnth and live rent-free.?? Purpose of the Loan
With construction and exterior improvements into the property, we would qualify for/have another unit.? This would increase net by almost $7,000/yr.? The total investment is about $25,000.? We are requesting $14,000.??
Thank you - You have many choices as an investor and we would be honored if you invested in us!
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
462176
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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:
| Jun-1990 |
Debt/Income ratio:
| 39% |
Basic (1-10):
| 5 |
Inquiries last 6m:
| 0 | Employment status: | Full-time employee |
Enhanced (1-5): | 3 |
Current / open credit lines:
| 7
/
7 | Length of status: | 13y 9m |
Credit score:
| 700-719 (Jun-2010) |
Total credit lines:
| 15 |
Occupation: | Social Worker |
Now delinquent:
| 0 |
Revolving credit balance:
| $42,812 | Stated income: | $25,000-$49,999 |
Amount delinquent:
| $0 |
Bankcard utilization:
| 95% | | |
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| Yes | | |
Delinquencies in last 7y:
| 0 | | | | |
Screen name:
| neighborly-exchange598 |
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
credit card consolidation
Greetings,
I wanted to share more information about my credit worthiness. I am no doubt saddled with too much credit card debt and justifiably that impacts my credit score. However, I would also want you to know that I have not had a single late payment since 2004. I have had the same employer, affiliated with one of the largest hospitals in the southeast, for more than thirteen years. I am willingly to pay a high interest rate to consolidate my debt. The amount of my credit card debt is perhaps off putting, but I am hopeful my history of paying debts on time will garner your consideration. I am happy to answer any questions you may have, and will provide any further documentation you may require. I am appreciative of your attention to this loan request.
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
462220
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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:
| 12.00% |
Starting borrower rate/APR:
| 13.00% / 15.14% |
Starting monthly payment:
| $84.23 |
|
Auction yield range:
| 3.98% - 12.00% |
Estimated loss impact:
| 2.14% | | |
Lender servicing fee:
| 1.00% |
Estimated return:
| 9.86% | | |
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper scores:
| |
First credit line:
| Jun-1992 |
Debt/Income ratio:
| 23% |
Basic (1-10):
| 9 |
Inquiries last 6m:
| 1 | Employment status: | Full-time employee |
Enhanced (1-5): | 3 |
Current / open credit lines:
| 7
/
7 | Length of status: | 2y 4m |
Credit score:
| 760-779 (May-2010) |
Total credit lines:
| 19 |
Occupation: | Other |
Now delinquent:
| 0 |
Revolving credit balance:
| $3,870 | Stated income: | $25,000-$49,999 |
Amount delinquent:
| $0 |
Bankcard utilization:
| 24% | | |
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| Yes | | |
Delinquencies in last 7y:
| 0 | | | | |
Screen name:
| sympathetic-payout6 |
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
Need investment capital
Purpose of loan:
Hello, basically I am in need of investment capital (forex trading).
Have a great day and thank you.
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
462226
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount:
| $2,000.00 |
Prosper Rating:
| HR |
Auction Duration:
| 7 days
|
Term:
| 36 months |
Estimated loss:
| 19.0% | | |
| | |
|
Starting lender yield:
| 34.00% |
Starting borrower rate/APR:
| 35.00% / 37.45% |
Starting monthly payment:
| $90.47 |
|
Auction yield range:
| 16.98% - 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:
| Oct-1984 |
Debt/Income ratio:
| 15% |
Basic (1-10):
| 5 |
Inquiries last 6m:
| 2 | Employment status: | Full-time employee |
Enhanced (1-5): | 3 |
Current / open credit lines:
| 9
/
6 | Length of status: | 4y 11m |
Credit score:
| 620-639 (May-2010) |
Total credit lines:
| 28 |
Occupation: | Other |
Now delinquent:
| 2 |
Revolving credit balance:
| $2,399 | Stated income: | $50,000-$74,999 |
Amount delinquent:
| $408 |
Bankcard utilization:
| 41% | | |
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| Yes | | |
Delinquencies in last 7y:
| 15 | | | | |
Screen name:
| needmoney678 |
Borrower's state:
| Michigan |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan history | Payment history | Credit score history |
Active / total loans:
| 1 / 1 |
On-time:
| 21 ( 95% )
| 620-639 (Latest)
|
Principal borrowed:
| $2,000.00 | < 31 days late:
| 1
( 5% )
| 640-659
(Apr-2010)
540-559
(Jul-2008)
580-599
(Jun-2008)
560-579
(May-2008)
|
Principal balance:
| $1,043.39 |
31+ days late:
| 0
( 0% )
|
Total payments billed:
| 22 | | |
Description
pay off some bills
Purpose of loan:
(explain what you will be using this loan for) Need alittle help to catch up with bills.
My financial situation: The loan will be used to pay my property tax and house insurance. Am currently trying to get my finances back on track using various means, including credit counseling to help me better understand and manage my finances.? Just need alittle more help.? I do not like my picture taken--avoid cameras like the plague, so none to submit.? Also, its hard to admit that after all these years I still have much to learn about handling my finances, hence I don't feel comfortable asking friends and family for endorsements.??A huge THANK YOU?to all who have bid on my loan previously, I truly appreciate it, please continue to do so.
(explain why you are a good candidate for paying back this loan)
Monthly net income: $ $2600.00
Monthly expenses: $ 1870.00
??Housing: $ 600
??Insurance: $ 100
??Car expenses: $?450
??Utilities: $ 150
??Phone, cable, internet: $ 125
??Food, entertainment: $ 120
??Clothing, household expenses $ 150
??Credit cards and other loans: $ 125
??Other expenses: $50
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
462232
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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:
| 8.43% |
Starting borrower rate/APR:
| 9.43% / 9.77% |
Starting monthly payment:
| $320.00 |
|
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-1976 |
Debt/Income ratio:
| Not calculated |
Basic (1-10):
| 7 |
Inquiries last 6m:
| 0 | Employment status: | Retired |
Enhanced (1-5): | 5 |
Current / open credit lines:
| 14
/
13 | Length of status: | 4y 8m |
Credit score:
| 800-819 (May-2010) |
Total credit lines:
| 30 | Stated income: | $25,000-$49,999 |
Now delinquent:
| 0 |
Revolving credit balance:
| $10,755 | |
Amount delinquent:
| $0 |
Bankcard utilization:
| 23% | | |
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| Yes | | |
Delinquencies in last 7y:
| 0 | | | | |
Screen name:
| return-driver5 |
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
Fix my house
Purpose of loan:
This loan will be used to?fix up my house. It is 35 years old and needs some fixing and updating?
My financial situation:
I am a good candidate for this loan because I always pay my bills on time, and have a good credit rating?
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
462242
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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:
| Oct-2000 |
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:
| 14
/
13 | Length of status: | 8y 10m |
Credit score:
| 640-659 (Jun-2010) |
Total credit lines:
| 30 |
Occupation: | Waiter/Waitress |
Now delinquent:
| 0 |
Revolving credit balance:
| $14,243 | Stated income: | $25,000-$49,999 |
Amount delinquent:
| $0 |
Bankcard utilization:
| 97% | | |
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| No | | |
Delinquencies in last 7y:
| 0 | | | | |
Screen name:
| elsteel |
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:
| 9 ( 100% )
| 640-659 (Latest)
|
Principal borrowed:
| $1,000.00 | < 31 days late:
| 0
( 0% )
| 640-659
(Aug-2009)
620-639
(Jun-2008)
|
Principal balance:
| $784.80 |
31+ days late:
| 0
( 0% )
|
Total payments billed:
| 9 | | |
Description
Second Prosper Loan
Purpose of loan:
This loan will be used to pay off a high interest credit card.
My financial situation:
I am a good candidate for this loan because this is my second prosper loan and I have a good payment history.
Monthly net income: $ 2000
Monthly expenses: $ 1500
??Housing: $ 315.00 (boyfriend pays other half and have lived at apartment for 6 years+)
??Insurance: $ 70
??Car expenses: $?100 (car is paid off)
??Utilities: $ 50
??Phone, cable, internet: $?115
?Food, entertainment: $ 150
??Clothing, household expenses $ 100
??Credit cards and other loans: $ 600
??Other expenses: $
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
462244
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount:
| $1,500.00 |
Prosper Rating:
| HR |
Auction Duration:
| 7 days
|
Term:
| 36 months |
Estimated loss:
| 18.0% | | |
| | |
|
Starting lender yield:
| 34.00% |
Starting borrower rate/APR:
| 35.00% / 37.73% |
Starting monthly payment:
| $67.85 |
|
Auction yield range:
| 16.98% - 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-1993 |
Debt/Income ratio:
| 32% |
Basic (1-10):
| 5 |
Inquiries last 6m:
| 4 | Employment status: | Full-time employee |
Enhanced (1-5): | 3 |
Current / open credit lines:
| 9
/
9 | Length of status: | 9y 3m |
Credit score:
| 660-679 (Jun-2010) |
Total credit lines:
| 27 |
Occupation: | Professional |
Now delinquent:
| 0 |
Revolving credit balance:
| $3,649 | Stated income: | $1-$24,999 |
Amount delinquent:
| $0 |
Bankcard utilization:
| 57% | | |
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| No | | |
Delinquencies in last 7y:
| 0 | | | | |
Screen name:
| URNEEDED2 |
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
Pay off debts
Purpose of loan:
This loan will be used to pay off a few debts with very high interest rates.
My financial situation:
I am a good candidate for this loan because I've been employed with the same company for nine years and have excellent job security.
Monthly net income: $1,600
Monthly expenses: $1,048
??Housing: $ 0????
??Insurance:?$115????
??Car expenses: $ 321????
??Utilities: $0
??Phone, cable, internet: $82?
??Food, entertainment: $200
??Clothing, household expenses $100
??Credit cards and other loans: $230
? Other expenses: $0
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
462250
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount:
| $6,000.00 |
Prosper Rating:
| E |
Auction Duration:
| 7 days
|
Term:
| 36 months |
Estimated loss:
| 14.0% | | |
| | |
|
Starting lender yield:
| 17.00% |
Starting borrower rate/APR:
| 18.00% / 20.21% |
Starting monthly payment:
| $216.91 |
|
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:
| Sep-2004 |
Debt/Income ratio:
| 12% |
Basic (1-10):
| 6 |
Inquiries last 6m:
| 2 | Employment status: | Full-time employee |
Enhanced (1-5): | 5 |
Current / open credit lines:
| 13
/
12 | Length of status: | 3y 4m |
Credit score:
| 640-659 (May-2010) |
Total credit lines:
| 15 |
Occupation: | Other |
Now delinquent:
| 0 |
Revolving credit balance:
| $5,440 | 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:
| the-favorable-justice |
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
Got my degree; time to pay
Purpose of loan:
This loan will be used to pay for a couple of student loans that I have left.? I am trying to pay down the interest rate.
My financial situation:
I am a good candidate for this loan because I am trustworthy and financially stable.? I work for the Department of Defense and have a very secure job.?
Monthly net income: $ 5400
Monthly expenses: $
??Housing: $ 900
??Insurance: $ 73
??Car expenses: $ 80
??Utilities: $ 120
??Phone, cable, internet: $ 80
??Food, entertainment: $ 250
??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
462254
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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:
| Apr-1986 |
Debt/Income ratio:
| Self-employed (DTI Not Calculated) |
Basic (1-10):
| 1 |
Inquiries last 6m:
| 11 | Employment status: | Self-employed |
Enhanced (1-5): | 2 |
Current / open credit lines:
| 13
/
12 | Length of status: | 0y 0m |
Credit score:
| 720-739 (Jun-2010) |
Total credit lines:
| 19 |
Occupation: | Other |
Now delinquent:
| 0 |
Revolving credit balance:
| $21,380 | 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:
| green-ready-generosity |
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
in-demand inventory for resale
Purpose of loan:
This loan will be used to purchase high end in demand used electronics for resale.? After the initial investment to get the inventory in the store with consignment and trade the customers will bring inventory to the store.? The demand for the product is significant seen in the store and sources such as craigslist.com, and e-bay. ???? ???? ???? ????
My financial situation:
I am a good candidate for this loan because I have an above average credit rating.? I am dedicated to making my business grow.? I am certain through research and current demand of product that the inventory will resale at a fast rate above the price I will pay for it. ????
Monthly net income: $ 6500.00
Monthly expenses: $
??Housing: $
875.00 ???
??Insurance: $
150.00
??Car expenses: $
450.00
??Utilities: $
200.00
??Phone, cable, internet: $250.00
??Food, entertainment: $
500.00
??Clothing, household expenses $300.00 ????
??Credit cards and other loans: $
750.00
??Other expenses: $ 200.00
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
462256
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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:
| 25.0% | | |
| | |
|
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:
| 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-2001 |
Debt/Income ratio:
| Not calculated |
Basic (1-10):
| 3 |
Inquiries last 6m:
| 3 | Employment status: | Full-time employee |
Enhanced (1-5): | 2 |
Current / open credit lines:
| 10
/
8 | Length of status: | 8y 0m |
Credit score:
| 640-659 (Jun-2010) |
Total credit lines:
| 22 |
Occupation: | Other |
Now delinquent:
| 0 |
Revolving credit balance:
| $4,353 | Stated income: | $25,000-$49,999 |
Amount delinquent:
| $0 |
Bankcard utilization:
| 70% | | |
Public records last 12m / 10y:
| 0/ 1 |
Homeownership:
| No | | |
Delinquencies in last 7y:
| 0 | | | | |
Screen name:
| virtuous-benefit9 |
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
pay off credit cards
Purpose of loan:
This loan will be used to?
this will be used to pay off credit cards
My financial situation:
I am a good candidate for this loan because?
i pay my bills on time
Monthly net income: $
3000
Monthly expenses: $
800
??Housing: $
??Insurance: $
??Car expenses: $
??Utilities: $ 125
??Phone, cable, internet: $
150
??Food, entertainment: $
250
??Clothing, household expenses $
??Credit cards and other loans: $
350
??Other expenses: $
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
462258
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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:
| D |
Auction Duration:
| 7 days
|
Term:
| 36 months |
Estimated loss:
| 10.0% | | |
| | |
|
Starting lender yield:
| 13.00% |
Starting borrower rate/APR:
| 14.00% / 16.16% |
Starting monthly payment:
| $177.72 |
|
Auction yield range:
| 10.98% - 13.00% |
Estimated loss impact:
| 10.28% | | |
Lender servicing fee:
| 1.00% |
Estimated return:
| 2.72% | | |
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper scores:
| |
First credit line:
| Jul-2000 |
Debt/Income ratio:
| 30% |
Basic (1-10):
| 7 |
Inquiries last 6m:
| 0 | Employment status: | Full-time employee |
Enhanced (1-5): | 4 |
Current / open credit lines:
| 7
/
6 | Length of status: | 0y 11m |
Credit score:
| 660-679 (Jun-2010) |
Total credit lines:
| 9 |
Occupation: | Other |
Now delinquent:
| 0 |
Revolving credit balance:
| $15,707 | 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:
| versatile-loyalty9 |
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
Pay off high interest debt
Purpose of loan:
This loan will be used to finish paying off a
loan along with two high interest rate credit cards. It is a way for me to eliminate three debts while lowering my monthly payments.
My financial situation:
I
am a good candidate for this loan because I am stable financially and reliable when it comes to making payments. Unfortunately my debt spiked
after being forced to move three times in two years but I now have a
steady income that will increase over the course of this loan, along
with high job security. Also, over the 10 years I have had an open
credit line I have never missed a payment, so you can be sure that
will not be an issue. As you can see, I have zero delinquencies and no issues with my public record. I am fully confident in my ability to make each of my loan payments and
this will help me pay off my debt significantly quicker than the pace I
am currently on.
Monthly net income: $
3000
Monthly expenses: $
??Housing: $
900
??Insurance: $
0
??Car expenses: $
0
??Utilities: $
100
??Phone, cable, internet: $
100
??Food, entertainment: $150
??Clothing, household expenses $
0
??Credit cards and other loans: $
500
??Other expenses: $ 0
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
462266
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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:
| 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:
| $272.00 |
|
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:
| Nov-1997 |
Debt/Income ratio:
| 4% |
Basic (1-10):
| 6 |
Inquiries last 6m:
| 5 | Employment status: | Full-time employee |
Enhanced (1-5): | 4 |
Current / open credit lines:
| 4
/
4 | Length of status: | 1y 7m |
Credit score:
| 820-839 (Jun-2010) |
Total credit lines:
| 23 |
Occupation: | Professional |
Now delinquent:
| 0 |
Revolving credit balance:
| $817 | Stated income: | $75,000-$99,999 |
Amount delinquent:
| $0 |
Bankcard utilization:
| 2% | | |
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| Yes | | |
Delinquencies in last 7y:
| 0 | | | | |
Screen name:
| green-bright-transparency |
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 personal loan
I am looking to get a personal loan to purchase a used boat to use this summer with my family.? I have already been qualified for a boat loan but at an exorbinant rate.? I would like to get funded at a rate more reasonable via Prosper.? I am a Pharmaceutical rep for UCB Inc my base salary is 95000/year and I can make an uncapped bonus of 30k or more.? I have a mortgage payment of 1281./month and 1000k on a discover card.? No vehicle payment or other debts.? My credit is excellent and I believe Iam a low-risk investment.?Thanks!!!
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
462274
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount:
| $6,250.00 |
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:
| $282.73 |
|
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:
| Dec-1991 |
Debt/Income ratio:
| 20% |
Basic (1-10):
| 1 |
Inquiries last 6m:
| 9 | Employment status: | Full-time employee |
Enhanced (1-5): | 1 |
Current / open credit lines:
| 5
/
5 | Length of status: | 3y 2m |
Credit score:
| 660-679 (Jun-2010) |
Total credit lines:
| 10 |
Occupation: | Administrative Assi... |
Now delinquent:
| 1 |
Revolving credit balance:
| $78 | Stated income: | $25,000-$49,999 |
Amount delinquent:
| $307 |
Bankcard utilization:
| 5% | | |
Public records last 12m / 10y:
| 0/ 2 |
Homeownership:
| No | | |
Delinquencies in last 7y:
| 3 | | | | |
Screen name:
| heartpounding-contract8 |
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
sons education and reserves
Purpose of loan:
This loan will be used to help my son with education so he can get back to work, he was laid off due to economy
My financial situation:
I am a good candidate for this loan because? stable job and hard worker. the credit history is indicating I have a delinquent account but that is a medical bill that should have been paid by my insurance and I am working with them currently to get that removed from the report.? It should not be there.
Monthly net income: $ 3400
Monthly expenses: $
??Housing: $ 1000
??Insurance: $120
??Car expenses: $400
??Utilities: $?100
??Phone, cable, internet: $ 25
??Food, entertainment: $300??
Clothing, household expenses $100
??Credit cards and other loans: $ 30
??Other expenses: $
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
462280
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount:
| $3,765.00 |
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:
| $170.31 |
|
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-1997 |
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:
| 6
/
6 | Length of status: | 1y 3m |
Credit score:
| 680-699 (Jun-2010) |
Total credit lines:
| 29 |
Occupation: | Other |
Now delinquent:
| 1 |
Revolving credit balance:
| $447 | Stated income: | $25,000-$49,999 |
Amount delinquent:
| $626 |
Bankcard utilization:
| 4% | | |
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| No | | |
Delinquencies in last 7y:
| 5 | | | | |
Screen name:
| mskitty1263 |
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 / 2 |
On-time:
| 62 ( 97% )
| 680-699 (Latest)
|
Principal borrowed:
| $9,000.00 | < 31 days late:
| 2
( 3% )
| 700-719
(Apr-2010)
580-599
(Dec-2007)
580-599
(Nov-2007)
640-659
(Mar-2007)
|
Principal balance:
| $995.29 |
31+ days late:
| 0
( 0% )
|
Total payments billed:
| 64 | | |
Description
Pay off other debt
Purpose of loan:
This loan will be used to pay off an account of my mother's that I signed on and she had fallen behind and to help get my son home from SD to attend my Grandmas 90th birthday.
My financial situation:
I am a good candidate for this loan because I have shown the Prosper community that I am trustworthy. I paid off one loan and am almost done with the other.
Monthly net income: $ 3000
Monthly expenses: $
??Housing: $ 0
??Insurance: $ 64.00
??Car expenses: $ 50.00
??Utilities: $
??Phone, cable, internet: $ 135.00
??Food, entertainment: $
??Clothing, household expenses $
??Credit cards and other loans: $ 350.00
??Other expenses: $
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
462284
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount:
| $15,000.00 |
Prosper Rating:
| C |
Auction Duration:
| 7 days
|
Term:
| 36 months |
Estimated loss:
| 7.0% | | |
| | |
|
Starting lender yield:
| 21.93% |
Starting borrower rate/APR:
| 22.93% / 25.21% |
Starting monthly payment:
| $580.10 |
|
Auction yield range:
| 7.98% - 21.93% |
Estimated loss impact:
| 7.52% | | |
Lender servicing fee:
| 1.00% |
Estimated return:
| 14.41% | | |
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:
| Aug-1995 |
Debt/Income ratio:
| 32% |
Basic (1-10):
| 6 |
Inquiries last 6m:
| 2 | Employment status: | Full-time employee |
Enhanced (1-5): | 3 |
Current / open credit lines:
| 9
/
8 | Length of status: | 8y 5m |
Credit score:
| 760-779 (Jun-2010) |
Total credit lines:
| 24 |
Occupation: | Truck Driver |
Now delinquent:
| 0 |
Revolving credit balance:
| $24,496 | 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:
| diplomatic-benefit8 |
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
New Beginning
Purpose of loan:
This loan will be used to?
Negotiate with the credit card companies to become debt free
My financial situation:
I am a good candidate for this loan because?
?I have always paid my financial obligations, no matter what.
Monthly net income: $ 4500.00
Monthly expenses: $
??Housing: $ 1300.00
??Insurance: $?200.00??Car expenses: $ 345.0
??Utilities: $?200.00
??Phone, cable, internet: $ 58.00
??Food, entertainment: $?400.00
??Clothing, household expenses $ 150.00
??Credit cards and other loans: $?800.00??Other expenses: $ 100.00
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
462286
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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:
| 34.5% | | |
| | |
|
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:
| 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-1985 |
Debt/Income ratio:
| 48% |
Basic (1-10):
| 1 |
Inquiries last 6m:
| 8 | Employment status: | Full-time employee |
Enhanced (1-5): | 1 |
Current / open credit lines:
| 9
/
9 | Length of status: | 14y 5m |
Credit score:
| 680-699 (Jun-2010) |
Total credit lines:
| 34 |
Occupation: | Executive |
Now delinquent:
| 1 |
Revolving credit balance:
| $21,513 | Stated income: | $50,000-$74,999 |
Amount delinquent:
| $101 |
Bankcard utilization:
| 91% | | |
Public records last 12m / 10y:
| 1/ 2 |
Homeownership:
| Yes | | |
Delinquencies in last 7y:
| 12 | | | | |
Screen name:
| currency-vault1 |
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 credit card off
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
462290
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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:
| Jun-2006 |
Debt/Income ratio:
| 48% |
Basic (1-10):
| 6 |
Inquiries last 6m:
| 0 | Employment status: | Full-time employee |
Enhanced (1-5): | 3 |
Current / open credit lines:
| 4
/
4 | Length of status: | 5y 2m |
Credit score:
| 680-699 (Jun-2010) |
Total credit lines:
| 10 |
Occupation: | Military Enlisted |
Now delinquent:
| 0 |
Revolving credit balance:
| $4,482 | Stated income: | $25,000-$49,999 |
Amount delinquent:
| $0 |
Bankcard utilization:
| 43% | | |
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| No | | |
Delinquencies in last 7y:
| 0 | | | | |
Screen name:
| Infantry87 |
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:
| 1 / 1 |
On-time:
| 24 ( 100% )
| 680-699 (Latest)
|
Principal borrowed:
| $7,500.00 | < 31 days late:
| 0
( 0% )
| 640-659
(Apr-2008)
|
Principal balance:
| $3,077.78 |
31+ days late:
| 0
( 0% )
|
Total payments billed:
| 24 | | |
Description
Clearing up credit card debt
Purpose of loan:
consolidate credit card debt
My financial situation:
I am a good candidate for this loan because I never miss payments.
Monthly net income: $ 4000
Monthly expenses: $
??Housing: $
665.00
??Insurance: $
200.00
??Car expenses: $
400.00
??Utilities: $
??Phone, cable, internet: $
??Food, entertainment: $
??Clothing, household expenses $
??Credit cards and other loans: $
10000.00
??Other expenses: $
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
462292
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount:
| $1,000.00 |
Prosper Rating:
| E |
Auction Duration:
| 7 days
|
Term:
| 36 months |
Estimated loss:
| 14.0% | | |
| | |
|
Starting lender yield:
| 33.28% |
Starting borrower rate/APR:
| 34.28% / 38.41% |
Starting monthly payment:
| $44.83 |
|
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:
| Sep-2009 |
Debt/Income ratio:
| Not calculated |
Basic (1-10):
| 6 |
Inquiries last 6m:
| 4 | Employment status: | Part-time employee |
Enhanced (1-5): | 1 |
Current / open credit lines:
| 1
/
1 | Length of status: | 0y 7m |
Credit score:
| 640-659 (Jun-2010) |
Total credit lines:
| 2 |
Occupation: | Sales - Retail |
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:
| Knowledge_Is_Power |
Borrower's state:
| California |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Description
Trying to get through school
Purpose of loan:
This loan will be used to continue to pay my school tuition.
My financial situation:
I am a good candidate for this loan because I'm trying to make way through school and I always pay my debts off.
Monthly net income: $ 680
Monthly expenses: $
??Housing: $
0
??Insurance: $
25
??Car expenses: $
0
??Utilities: $
0
??Phone, cable, internet: $
0
??Food, entertainment: $
50
??Clothing, household expenses $
0
??Credit cards and other loans: $
0
??Other expenses: $
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
462296
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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:
| Dec-2004 |
Debt/Income ratio:
| 15% |
Basic (1-10):
| 8 |
Inquiries last 6m:
| 0 | Employment status: | Part-time employee |
Enhanced (1-5): | 4 |
Current / open credit lines:
| 3
/
2 | Length of status: | 0y 1m |
Credit score:
| 660-679 (Jun-2010) |
Total credit lines:
| 4 |
Occupation: | Sales - Retail |
Now delinquent:
| 0 |
Revolving credit balance:
| $3,487 | Stated income: | $1-$24,999 |
Amount delinquent:
| $0 |
Bankcard utilization:
| 77% | | |
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| No | | |
Delinquencies in last 7y:
| 0 | | | | |
Screen name:
| contract-sphinx |
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
Car repairs
Purpose of loan:
This loan will be used for Car repairs. I was in a hit and run car accident, and I was unable to get the plates of the other driver. I don't have full coverage; only liability, so all expenses must be paid by me unfortunately.?
My financial situation:
I am a good candidate for this loan because of my ability to pay it off promptly because of my income.
Monthly net income: $
$850
Monthly expenses: $
??Housing: $
??Insurance: $
??Car expenses: $
50; Vehicle non operational at the moment.
??Utilities: $
??Phone, cable, internet: $
40
??Food, entertainment: $
??Clothing, household expenses $
??Credit cards and other loans: $
180
??Other expenses: $ 150; cab to work, because my vehicle is non operational at the moment
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
462302
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount:
| $16,500.00 |
Prosper Rating:
| 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:
| $547.88 |
|
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:
| Feb-1987 |
Debt/Income ratio:
| 28% |
Basic (1-10):
| 6 |
Inquiries last 6m:
| 0 | Employment status: | Full-time employee |
Enhanced (1-5): | 5 |
Current / open credit lines:
| 13
/
10 | Length of status: | 21y 0m |
Credit score:
| 720-739 (Jun-2010) |
Total credit lines:
| 49 |
Occupation: | Other |
Now delinquent:
| 0 |
Revolving credit balance:
| $4,387 | Stated income: | $75,000-$99,999 |
Amount delinquent:
| $0 |
Bankcard utilization:
| 37% | | |
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| Yes | | |
Delinquencies in last 7y:
| 0 | | | | |
Screen name:
| tredum |
Borrower's state:
| Georgia |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan history | Payment history | Credit score history |
Active / total loans:
| 1 / 1 |
On-time:
| 27 ( 100% )
| 720-739 (Latest)
|
Principal borrowed:
| $15,000.00 | < 31 days late:
| 0
( 0% )
| 680-699
(Feb-2008)
640-659
(Nov-2007)
|
Principal balance:
| $4,197.63 |
31+ days late:
| 0
( 0% )
|
Total payments billed:
| 27 | | |
Description
Debt Consolidation Dos
Purpose of loan:
This loan will be used to?
Pay off debts and have home improvements done.
My financial situation:
I am a good candidate for this loan because?
I have a current Prosper loan, in which I have never been late and will be finished with by March 2011.
Monthly net income: $ 3400
Monthly expenses: $
??Housing: $ 800
??Insurance: $ 100
??Car expenses: $ 700
??Utilities: $ 250
??Phone, cable, internet: $ 175
??Food, entertainment: $ 200
??Clothing, household expenses $ 180
??Credit cards and other loans: $ 150
??Other expenses: $
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
462304
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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:
| Jun-1994 |
Debt/Income ratio:
| 23% |
Basic (1-10):
| 9 |
Inquiries last 6m:
| 0 | Employment status: | Full-time employee |
Enhanced (1-5): | 5 |
Current / open credit lines:
| 16
/
13 | Length of status: | 2y 5m |
Credit score:
| 740-759 (Jun-2010) |
Total credit lines:
| 28 |
Occupation: | Executive |
Now delinquent:
| 0 |
Revolving credit balance:
| $18,808 | Stated income: | $50,000-$74,999 |
Amount delinquent:
| $0 |
Bankcard utilization:
| 58% | | |
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| Yes | | |
Delinquencies in last 7y:
| 0 | | | | |
Screen name:
| pure-trade3 |
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
investment
Purpose of loan:
This loan will be used to?
My financial situation:
I am a good candidate for this loan because? I have a stable job and am a good credit rating candidate.
Monthly net income: $ 4200
Monthly expenses: $
??Housing: $ 1200
??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
462308
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount:
| $7,000.00 |
Prosper Rating:
| A |
Auction Duration:
| 7 days
|
Term:
| 36 months |
Estimated loss:
| 2.1% | | |
| | |
|
Starting lender yield:
| 8.20% |
Starting borrower rate/APR:
| 9.20% / 11.30% |
Starting monthly payment:
| $223.25 |
|
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:
| Apr-1997 |
Debt/Income ratio:
| 8% |
Basic (1-10):
| 9 |
Inquiries last 6m:
| 0 | Employment status: | Full-time employee |
Enhanced (1-5): | 5 |
Current / open credit lines:
| 10
/
10 | Length of status: | 30y 1m |
Credit score:
| 780-799 (Jun-2010) |
Total credit lines:
| 22 |
Occupation: | Other |
Now delinquent:
| 0 |
Revolving credit balance:
| $5,957 | Stated income: | $50,000-$74,999 |
Amount delinquent:
| $0 |
Bankcard utilization:
| 46% | | |
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| Yes | | |
Delinquencies in last 7y:
| 0 | | | | |
Screen name:
| liberty-expert |
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
last one last year in college
Purpose of loan:
This loan will be used to?assist my last child in college - needs?transportation for work and school?
My financial situation:
I am a good candidate for this loan because? nothing late or unpaid - other children just getting out of college - cash for a car means liability insurance instead of full coverage
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
462314
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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:
| 16.98% |
Starting borrower rate/APR:
| 17.98% / 20.19% |
Starting monthly payment:
| $216.85 |
|
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:
| Aug-2000 |
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:
| 6
/
5 | Length of status: | 5y 1m |
Credit score:
| 660-679 (Jun-2010) |
Total credit lines:
| 16 |
Occupation: | Other |
Now delinquent:
| 0 |
Revolving credit balance:
| $1,364 | Stated income: | $25,000-$49,999 |
Amount delinquent:
| $0 |
Bankcard utilization:
| 66% | | |
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| No | | |
Delinquencies in last 7y:
| 0 | | | | |
Screen name:
| compassion-instrument |
Borrower's state:
| NorthCarolina |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Description
Paying off my foolish youth
Purpose of loan:
This loan will be used to consolidate debt from when I was younger into a single loan so I can pay off the remainder of my debt more quickly and save on interest costs.
My financial situation:
I am a good candidate for this loan because I've had the same job for five years and my employers love me. I'm financially stable and have been so for a few years, I just want to pay off the remainder of my youthful indiscretions.
Monthly net income: $
2421
Monthly expenses: $
??Housing: $
400
??Insurance: $
70
??Car expenses: $
333
??Utilities: $ 45
??Phone, cable, internet: $
60
??Food, entertainment: $
60
??Clothing, household expenses $
25
??Credit cards and other loans: $
210
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
462316
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount:
| $7,000.00 |
Prosper Rating:
| HR |
Auction Duration:
| 7 days
|
Term:
| 36 months |
Estimated loss:
| 25.0% | | |
| | |
|
Starting lender yield:
| 17.00% |
Starting borrower rate/APR:
| 18.00% / 20.21% |
Starting monthly payment:
| $253.07 |
|
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:
| Feb-2000 |
Debt/Income ratio:
| Self-employed (DTI Not Calculated) |
Basic (1-10):
| 2 |
Inquiries last 6m:
| 5 | Employment status: | Self-employed |
Enhanced (1-5): | 1 |
Current / open credit lines:
| 11
/
7 | Length of status: | 0y 1m |
Credit score:
| 660-679 (Jun-2010) |
Total credit lines:
| 14 |
Occupation: | Food Service |
Now delinquent:
| 0 |
Revolving credit balance:
| $4,806 | Stated income: | $50,000-$74,999 |
Amount delinquent:
| $0 |
Bankcard utilization:
| 47% | | |
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| No | | |
Delinquencies in last 7y:
| 0 | | | | |
Screen name:
| genuine-wampum |
Borrower's state:
| NewJersey |
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.
Description
Bussiness Startup Money
Purpose of loan:
This loan will be used to start my bussiness untill my sba loans come through????
My financial situation:
I am a good candidate for this loan because i have an excelent payment history and always make sure my bills are paid 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
462320
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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:
| 19.0% | | |
| | |
|
Starting lender yield:
| 34.00% |
Starting borrower rate/APR:
| 35.00% / 37.45% |
Starting monthly payment:
| $203.56 |
|
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:
| Apr-2002 |
Debt/Income ratio:
| 47% |
Basic (1-10):
| 5 |
Inquiries last 6m:
| 1 | Employment status: | Full-time employee |
Enhanced (1-5): | 2 |
Current / open credit lines:
| 6
/
6 | Length of status: | 24y 5m |
Credit score:
| 620-639 (Jun-2010) |
Total credit lines:
| 22 |
Occupation: | Professional |
Now delinquent:
| 2 |
Revolving credit balance:
| $6,623 | Stated income: | $25,000-$49,999 |
Amount delinquent:
| $1,172 |
Bankcard utilization:
| 72% | | |
Public records last 12m / 10y:
| 0/ 1 |
Homeownership:
| No | | |
Delinquencies in last 7y:
| 24 | | | | |
Screen name:
| trcsimp5 |
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:
| 61 ( 98% )
| 620-639 (Latest)
|
Principal borrowed:
| $21,000.00 | < 31 days late:
| 1
( 2% )
| 640-659
(Feb-2008)
640-659
(Jul-2007)
|
Principal balance:
| $997.88 |
31+ days late:
| 0
( 0% )
|
Total payments billed:
| 62 | | |
Description
debt consolidation
Purpose of loan:
This loan will be used to? pay off bills????????????????????
My financial situation:
I am a good candidate for this loan because? I have been employed for 25 years on my job and paying all of my bills on time.????????
Monthly net income: $ 3000.00????
Monthly expenses: $
??Housing: $ 750????
??Insurance: $ 100
??Car expenses: $ 255
??Utilities: $
??Phone, cable, internet: $
??Food, entertainment: $ 100????
??Clothing, household expenses $
??Credit cards and other loans: $
??Other expenses: $ 100
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
462322
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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:
| May-2004 |
Debt/Income ratio:
| 26% |
Basic (1-10):
| 6 |
Inquiries last 6m:
| 0 | Employment status: | Full-time employee |
Enhanced (1-5): | 5 |
Current / open credit lines:
| 2
/
2 | Length of status: | 24y 8m |
Credit score:
| 740-759 (Jun-2010) |
Total credit lines:
| 9 |
Occupation: | Retail Management |
Now delinquent:
| 0 |
Revolving credit balance:
| $1,097 | Stated income: | $25,000-$49,999 |
Amount delinquent:
| $0 |
Bankcard utilization:
| 6% | | |
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| No | | |
Delinquencies in last 7y:
| 0 | | | | |
Screen name:
| exchange-allocator |
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
consolidate wedding bills
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
462332
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount:
| $5,000.00 |
Prosper Rating:
| A |
Auction Duration:
| 7 days
|
Term:
| 36 months |
Estimated loss:
| 2.1% | | |
| | |
|
Starting lender yield:
| 8.20% |
Starting borrower rate/APR:
| 9.20% / 11.30% |
Starting monthly payment:
| $159.46 |
|
Auction yield range:
| 3.98% - 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:
| Sep-1977 |
Debt/Income ratio:
| Not calculated |
Basic (1-10):
| 8 |
Inquiries last 6m:
| 0 | Employment status: | Retired |
Enhanced (1-5): | 4 |
Current / open credit lines:
| 28
/
23 | Length of status: | 0y 11m |
Credit score:
| 760-779 (Jun-2010) |
Total credit lines:
| 54 | Stated income: | $50,000-$74,999 |
Now delinquent:
| 0 |
Revolving credit balance:
| $34,535 | |
Amount delinquent:
| $0 |
Bankcard utilization:
| 48% | | |
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| Yes | | |
Delinquencies in last 7y:
| 0 | | | | |
Screen name:
| organized-listing0 |
Borrower's state:
| Oregon |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Description
help out a family member
Purpose of loan:
This loan will be used to? help out a family member
My financial situation:
I am a good candidate for this loan because I pay all of my bills on time and this should be repaid within a few months
Monthly net income: $ 3500
Monthly expenses: $
??Housing: $ 856
??Insurance: $ 71
??Car expenses: $ 369
??Utilities: $ 100
??Phone, cable, internet: $ 125
??Food, entertainment: $ 100
??Clothing, household expenses $ 50
??Credit cards and other loans: $?500
??Other expenses: $ 100 for pet meds and food
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
462334
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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:
| Nov-1997 |
Debt/Income ratio:
| Not calculated |
Basic (1-10):
| 6 |
Inquiries last 6m:
| 0 | Employment status: | Not employed |
Enhanced (1-5): | 5 |
Current / open credit lines:
| 4
/
4 | Length of status: | 1y 8m |
Credit score:
| 720-739 (Jun-2010) |
Total credit lines:
| 12 | Stated income: | Not employed |
Now delinquent:
| 0 |
Revolving credit balance:
| $974 | |
Amount delinquent:
| $0 |
Bankcard utilization:
| 38% | | |
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| No | | |
Delinquencies in last 7y:
| 6 | | | | |
Screen name:
| valiant-return1 |
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
Buying a used car for my daughters
Purpose of loan:
This loan will be used to?
Help my daughters buy a used car
My financial situation:
I am a good candidate for this loan because?
I can easily make the monthly payments.
Monthly net income: $
My daughters all work and they give me $1500 a month in total.
Monthly expenses: $
??Housing: $ 280
??Insurance: $
??Car expenses: $
??Utilities: $ 100
??Phone, cable, internet: $ 40
??Food, entertainment: $ 100
??Clothing, household expenses $ 100????????
??Credit cards and other loans: $ 150
??Other expenses: $
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
462338
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount:
| $2,700.00 |
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:
| $122.14 |
|
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-2007 |
Debt/Income ratio:
| Not calculated |
Basic (1-10):
| 5 |
Inquiries last 6m:
| 1 | Employment status: | Not employed |
Enhanced (1-5): | 3 |
Current / open credit lines:
| 3
/
3 | Length of status: | 0y 9m |
Credit score:
| 640-659 (Jun-2010) |
Total credit lines:
| 5 | Stated income: | Not employed |
Now delinquent:
| 0 |
Revolving credit balance:
| $488 | |
Amount delinquent:
| $0 |
Bankcard utilization:
| 97% | | |
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| No | | |
Delinquencies in last 7y:
| 7 | | | | |
Screen name:
| inventive-integrity8 |
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
transmission repair vehicle
Purpose of loan:
This loan is to repair my 98 dodge's transmission so I can get to and from school.
My financial situation:
I can make the payments for this loan because I am using the post 9-11 GI bill for school.
Monthly net income: $
1250
Monthly expenses: $? 907?
??Housing: $
376
??Insurance: $
91
??Car expenses: $30
??Utilities: $
100
??Phone, cable, internet: $
50
??Food, entertainment: $
60
??Clothing, household expenses $
??Credit cards and other loans: $
200
??Other expenses: $
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
462344
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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:
| Nov-1990 |
Debt/Income ratio:
| 38% |
Basic (1-10):
| 8 |
Inquiries last 6m:
| 1 | Employment status: | Full-time employee |
Enhanced (1-5): | 4 |
Current / open credit lines:
| 9
/
9 | Length of status: | 6y 5m |
Credit score:
| 680-699 (Jun-2010) |
Total credit lines:
| 32 |
Occupation: | Food Service |
Now delinquent:
| 0 |
Revolving credit balance:
| $9,405 | Stated income: | $25,000-$49,999 |
Amount delinquent:
| $0 |
Bankcard utilization:
| 60% | | |
Public records last 12m / 10y:
| 0/ 1 |
Homeownership:
| Yes | | |
Delinquencies in last 7y:
| 29 | | | | |
Screen name:
| smart-trade6 |
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
shop/storage building
Purpose of loan:
This loan will be used to? build a shop/storage building for my home.
My financial situation:
I am a good candidate for this loan because?I have one more payment on my wife's vehicle, and that'll free up $640 more per month.??
Monthly net income: $ monthly household income is $7500.
Monthly expenses: $
??Housing: $ 716
??Insurance: $ 112
??Car expenses: $ 335
??Utilities: $?200
??Phone, cable, internet: $300
??Food, entertainment: $ 600
??Clothing, household expenses $300
??Credit cards and other loans: $ 500
??Other expenses: $ 500
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
462346
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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:
| Feb-1992 |
Debt/Income ratio:
| 19% |
Basic (1-10):
| 5 |
Inquiries last 6m:
| 1 | Employment status: | Full-time employee |
Enhanced (1-5): | 4 |
Current / open credit lines:
| 7
/
6 | Length of status: | 6y 8m |
Credit score:
| 660-679 (Jun-2010) |
Total credit lines:
| 25 |
Occupation: | Other |
Now delinquent:
| 1 |
Revolving credit balance:
| $15,694 | Stated income: | $75,000-$99,999 |
Amount delinquent:
| $38,678 |
Bankcard utilization:
| 63% | | |
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| Yes | | |
Delinquencies in last 7y:
| 26 | | | | |
Screen name:
| JEMMA |
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 / 2 |
On-time:
| 58 ( 92% )
| 660-679 (Latest)
|
Principal borrowed:
| $12,500.00 | < 31 days late:
| 5
( 8% )
| 680-699
(Mar-2010)
680-699
(Mar-2008)
680-699
(Jan-2008)
660-679
(Dec-2006)
|
Principal balance:
| $721.23 |
31+ days late:
| 0
( 0% )
|
Total payments billed:
| 63 | | |
Description
Paying Taxes
About Me
I have been employed in the insurance industry for the past 15years and have been with my current company for over 4 years.
My Goal
I would like to obtain a Prosper Loan to help pay off income tax.?
My Current Finances and Budget
My current Gross Income is $6711.00 per month and my net income is $4660.00 per month.
(I have 6% pre-tax income going toward 401k.)
My job requires that I travel 21 days per month, so I also get a daily $55 day per diem for food and dry cleaning.
All other related travel expenses are paid directly by the company.
My car, gas, insurance and cell phone are also paid for by the company.
The per diem is not taxable and is deposited directly into my account on a
bi-weekly basis. The per diem amount totals $1155/month.
Total Income: $4660.00 + $1155.00 = $5815.00 per month
Expenses
$1930.00 Housing (Includes mortgage, tax & insurance)
$ 75.00 Utilities & Cable
$ 500.00 VISA Credit Card*
$ 100.00 Loan
$ 250.00 Food
$ 200.00 Misc Expenses (Dry Cleaning, Entertainment)
$3055.00 Net Expenses
$5815.00 (Income) - $3055.00 (Expenses) = $2760.00 (Remaining)
Thank you for the consideration. This will be my third Prosper Loan. I have successfully paid my prior loans on time and recently paid off the a loan. I will make timely monthly payments that will be automatically deducted from my bank account. The VISA Credit Card will be paid off so that will decrease my monthly expenses and the payment will be applied to the Propser Loan Payment. The deliquencies are due to negotiations with CHASE Home Finance for the mortgage loan modification. The process took a long time, I was advised not to make the payment until the modification was approved. The mortgage payment has now been reduced from $1800.00 per month to $1300.00 per month.
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
462352
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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:
| 9.30% |
Starting borrower rate/APR:
| 10.30% / 10.65% |
Starting monthly payment:
| $486.12 |
|
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:
| Dec-1994 |
Debt/Income ratio:
| 8% |
Basic (1-10):
| 8 |
Inquiries last 6m:
| 0 | Employment status: | Full-time employee |
Enhanced (1-5): | 5 |
Current / open credit lines:
| 6
/
6 | Length of status: | 13y 7m |
Credit score:
| 840-859 (Jun-2010) |
Total credit lines:
| 25 |
Occupation: | Other |
Now delinquent:
| 0 |
Revolving credit balance:
| $0 | Stated income: | $75,000-$99,999 |
Amount delinquent:
| $0 |
Bankcard utilization:
| 0% | | |
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| Yes | | |
Delinquencies in last 7y:
| 0 | | | | |
Screen name:
| orderly-dinero9 |
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
Foundation repair of home
Purpose of loan:
This loan will be used to repair foundation trouble?with my home.?
My financial situation:
I am a good candidate for this loan because I can afford this loan and I always pay my debt.
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
462356
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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:
| 24.00% |
Starting borrower rate/APR:
| 25.00% / 27.31% |
Starting monthly payment:
| $198.80 |
|
Auction yield range:
| 7.98% - 24.00% |
Estimated loss impact:
| 8.57% | | |
Lender servicing fee:
| 1.00% |
Estimated return:
| 15.43% | | |
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:
| Sep-1990 |
Debt/Income ratio:
| 60% |
Basic (1-10):
| 8 |
Inquiries last 6m:
| 0 | Employment status: | Full-time employee |
Enhanced (1-5): | 4 |
Current / open credit lines:
| 18
/
13 | Length of status: | 27y 10m |
Credit score:
| 700-719 (May-2010) |
Total credit lines:
| 48 |
Occupation: | Military Enlisted |
Now delinquent:
| 0 |
Revolving credit balance:
| $30,333 | Stated income: | $50,000-$74,999 |
Amount delinquent:
| $0 |
Bankcard utilization:
| 89% | | |
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| Yes | | |
Delinquencies in last 7y:
| 0 | | | | |
Screen name:
| commitment-processor |
Borrower's state:
| Mississippi |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Description
MILITARY DEBT CONSOLIDATION
Purpose of loan:
This loan will be used to consolidate a portion of my revolving debts before I retire from the Air Force in?36 months. My child will have also graduated from college and will be working, so I plan to focus more on paying off debt than paying for college and living expenses.?
Financial Situation:
EXCELLENT!? I am an active duty Air Force, Chief Master Sergeant E-9 with 27 years of service.? My spouse is an active duty Air?Force, Senior Master Sergeant with 18 years of?service.? We will both be paying off the loan and have an?IMPECCABLE?credit and payment history.? I am?GUARANTEED to pay this?loan off on time and in full. ??
Monthly net income: $ 7700.00, Spouse makes 5700.00.? We also rent our home out and recieve $1,600.00 a month additional income.? Total monthly household $15,000?
Monthly expenses: $
??Housing: $ 1,450 (Rental Home we live in) ?
??Insurance: $ 200
??Car expenses: $ 500
??Utilities: $ 100
??Phone, cable, internet: $?200
??Food, entertainment: $200
??Clothing, household expenses $ 100
??Credit cards and other loans: $ ?500
??Other expenses: $0
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
462358
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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:
| 14.0% | | |
| | |
|
Starting lender yield:
| 33.28% |
Starting borrower rate/APR:
| 34.28% / 36.72% |
Starting monthly payment:
| $112.07 |
|
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:
| Jun-1994 |
Debt/Income ratio:
| 14% |
Basic (1-10):
| 6 |
Inquiries last 6m:
| 1 | Employment status: | Full-time employee |
Enhanced (1-5): | 4 |
Current / open credit lines:
| 4
/
3 | Length of status: | 7y 8m |
Credit score:
| 660-679 (Jun-2010) |
Total credit lines:
| 15 |
Occupation: | Other |
Now delinquent:
| 0 |
Revolving credit balance:
| $358 | Stated income: | $25,000-$49,999 |
Amount delinquent:
| $0 |
Bankcard utilization:
| 71% | | |
Public records last 12m / 10y:
| 0/ 1 |
Homeownership:
| No | | |
Delinquencies in last 7y:
| 14 | | | | |
Screen name:
| pasco33 |
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
Debt free here I come
Purpose of loan:
This loan will be used to? Pay off two credit cards with a high interest rate????????
My financial situation:
I am a good candidate for this loan because? I have come a long way with cleaning up my debt! I still have to do some more work but it helps to have a good budget that I've been keeping up with for a while now. I paid off a few other cards and my car note because I stuck with this budget and I also brought my credit score up. Monthly net income: $ 1600
Monthly expenses: $ 1531.86
??Housing: rent $665,?Renter?s Insurance: $113.00 a year - $28.00 for 4 months, Car expenses: Insurance $102.19, Gas: $100
??Utilities: $75, Phone, cable, internet: $127.00
??Food, entertainment: $80,?Clothing, household expenses $25-35
??Credit cards and other loans: $119, Student Loans $150
??Other expenses: Cell phone $65, Allstate road side service $13.67Monthly net income: $ 1600
Monthly expenses: $ 1531.86
??Housing: rent $665,?Renter?s Insurance: $113.00 a year - $28.00 for 4 months, Car expenses: Insurance $102.19, Gas: $100
??Utilities: $75, Phone, cable, internet: $127.00
??Food, entertainment: $80,?Clothing, household expenses $25-35
??Credit cards and other loans: $119, Student Loans $150
??Other expenses: Cell phone $65, Allstate road side service $13.67
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
462362
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount:
| $15,000.00 |
Prosper Rating:
| HR |
Auction Duration:
| 7 days
|
Term:
| 36 months |
Estimated loss:
| 25.0% | | |
| | |
|
Starting lender yield:
| 34.00% |
Starting borrower rate/APR:
| 35.00% / 37.45% |
Starting monthly payment:
| $678.54 |
|
Auction yield range:
| 16.98% - 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:
| Sep-1998 |
Debt/Income ratio:
| 43% |
Basic (1-10):
| 2 |
Inquiries last 6m:
| 3 | Employment status: | Full-time employee |
Enhanced (1-5): | 1 |
Current / open credit lines:
| 14
/
8 | Length of status: | 0y 8m |
Credit score:
| 700-719 (Jun-2010) |
Total credit lines:
| 48 |
Occupation: | Sales - Retail |
Now delinquent:
| 0 |
Revolving credit balance:
| $2,674 | Stated income: | $25,000-$49,999 |
Amount delinquent:
| $0 |
Bankcard utilization:
| 61% | | |
Public records last 12m / 10y:
| 0/ 1 |
Homeownership:
| Yes | | |
Delinquencies in last 7y:
| 0 | | | | |
Screen name:
| best-prudent-velocity |
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
I'm in the home stretch!!
Purpose of loan:
I have recently made the decision to go back to school to finish my undergraduate degree. After that I will be continuing on to work on my Masters as a Physician Assistant. This has been an exciting discovery and career change for me. The only trouble I am running into is attaining the funding I need to finish my bachelors degree. I know I look like a higher risk candidate, but sometimes it looks that way when a student is struggling to make it through college. My future career choice as a physician assistant will definitely make this a worthwhile investment.
My financial situation:
I am a good candidate for this loan because I own my house so I have already begun making wise investment choices (this house is a rental property so I do not have any monthly financial obligation from it, currently). Also, my future career choice as a Physician Assistant will amply cover this loan
Monthly net income: $
2,400
Monthly expenses: $
1,202
??Housing: $ 425 (rent. My house is currently rented out and is no financial obligation to me)
??Insurance: $
115
??Car expenses: $
407
??Utilities: $
0
??Phone, cable, internet: $
100
??Food, entertainment: $
120
??Clothing, household expenses $
0
??Credit cards and other loans: $ 35
??Other expenses: $
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
462364
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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:
| 25.38% |
Starting borrower rate/APR:
| 26.38% / 28.71% |
Starting monthly payment:
| $121.48 |
|
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:
| Nov-2003 |
Debt/Income ratio:
| 12% |
Basic (1-10):
| 7 |
Inquiries last 6m:
| 1 | Employment status: | Full-time employee |
Enhanced (1-5): | 3 |
Current / open credit lines:
| 5
/
3 | Length of status: | 2y 10m |
Credit score:
| 660-679 (Jun-2010) |
Total credit lines:
| 5 |
Occupation: | Other |
Now delinquent:
| 0 |
Revolving credit balance:
| $1,292 | Stated income: | $1-$24,999 |
Amount delinquent:
| $0 |
Bankcard utilization:
| 61% | | |
Public records last 12m / 10y:
| 0/ 1 |
Homeownership:
| No | | |
Delinquencies in last 7y:
| 0 | | | | |
Screen name:
| unbeatable-investment372 |
Borrower's state:
| Michigan |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Description
Pay Off Debt & Car Repairs
Purpose of loan:
This loan will be used to? Pay off my credit cards and repair my vehicle so I can get to work.
My financial situation:
I am a single mom and this is my only vehicle. I currently drive an hour back and forth to work everyday which puts a lot of wear and tear on my car. The bearings are going out and the shocks and struts need to be replaced. A new car is not in my budget but the repairs to keep it going are. I am a good candidate for this loan because I do have stable employment and I pay my bills on time and have never been late. By consolidating my credit cards into one payment it will save me over $75.00 a month which I plan to put in savings and I can get my vehicle repaired also.
Monthly income: $ 1367.20 (After Taxes)
Monthly expenses: $
??Housing: None, live with family
??Insurance: $ 189.00
??Car expenses: $
240.00 for gas
??Utilities: None
??Phone, cable, internet: $
100.00
??Food, entertainment: $
100.00-150.00
??Clothing, household expenses $
??Credit cards and other loans: $
??Other expenses: $
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
462370
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount:
| $9,800.00 |
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:
| $443.31 |
|
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-1982 |
Debt/Income ratio:
| Not calculated |
Basic (1-10):
| 2 |
Inquiries last 6m:
| 4 | Employment status: | Retired |
Enhanced (1-5): | 3 |
Current / open credit lines:
| 11
/
11 | Length of status: | 0y 2m |
Credit score:
| 780-799 (Jun-2010) |
Total credit lines:
| 41 | Stated income: | $75,000-$99,999 |
Now delinquent:
| 0 |
Revolving credit balance:
| $17,460 | |
Amount delinquent:
| $0 |
Bankcard utilization:
| 77% | | |
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| Yes | | |
Delinquencies in last 7y:
| 0 | | | | |
Screen name:
| repayment-sleuth |
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
No Retirement Worries
Purpose of loan:
This is the last of my large credit card balances to be paid off as a result of large medical expenses accrued during our daughter's 20 month stay at a therapeutic boarding school. This loan will be used to pay off a credit card?with a?large balance used to pay for our trips back and forth to Montana to visit our daughter and stay nearby during the courase of her treatment.
My financial situation:
I am a good candidate for this loan because I am an extremely responsible person who is trying to streamline her existing debt.
Monthly net income: $ 7078.00
Monthly expenses: $
??Housing: $ 1170.00 (my portion)
??Insurance: $ 150.00 (my portion)
??Car expenses: $ 0
??Utilities: $ 150.00 (my portion)
??Phone, cable, internet: $?68.00
??Food, entertainment: $? 600.00
??Clothing, household expenses $? 125.00
??Credit cards and other loans: $ 250.00
??Other expenses: $? 120.00
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
462374
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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:
| 8.33% |
Starting borrower rate/APR:
| 9.33% / 11.43% |
Starting monthly payment:
| $79.88 |
|
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-1971 |
Debt/Income ratio:
| 65% |
Basic (1-10):
| 9 |
Inquiries last 6m:
| 0 | Employment status: | Retired |
Enhanced (1-5): | 3 |
Current / open credit lines:
| 17
/
15 | Length of status: | 7y 7m |
Credit score:
| 700-719 (Jun-2010) |
Total credit lines:
| 44 | Stated income: | $50,000-$74,999 |
Now delinquent:
| 0 |
Revolving credit balance:
| $86,366 | |
Amount delinquent:
| $0 |
Bankcard utilization:
| 97% | | |
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| Yes | | |
Delinquencies in last 7y:
| 0 | | | | |
Screen name:
| platinum-zone6 |
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
Personal Loan
Purpose of loan:
This loan will be used to?
My financial situation:
I am a good candidate for this loan because?
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
462380
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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:
| 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
462386
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount:
| $2,100.00 |
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:
| $84.89 |
|
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:
| Apr-1999 |
Debt/Income ratio:
| 11% |
Basic (1-10):
| 7 |
Inquiries last 6m:
| 2 | Employment status: | Full-time employee |
Enhanced (1-5): | 4 |
Current / open credit lines:
| 4
/
4 | Length of status: | 3y 0m |
Credit score:
| 660-679 (Jun-2010) |
Total credit lines:
| 11 |
Occupation: | Professional |
Now delinquent:
| 0 |
Revolving credit balance:
| $539 | Stated income: | $25,000-$49,999 |
Amount delinquent:
| $0 |
Bankcard utilization:
| 48% | | |
Public records last 12m / 10y:
| 0/ 1 |
Homeownership:
| No | | |
Delinquencies in last 7y:
| 0 | | | | |
Screen name:
| kind-diligent-coin |
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
Putting in a new carpet
Purpose of loan:
This loan will be used to? get a new carpet
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
462388
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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:
| Jul-2000 |
Debt/Income ratio:
| 27% |
Basic (1-10):
| 4 |
Inquiries last 6m:
| 6 | Employment status: | Full-time employee |
Enhanced (1-5): | 1 |
Current / open credit lines:
| 14
/
11 | Length of status: | 2y 6m |
Credit score:
| 660-679 (Jun-2010) |
Total credit lines:
| 22 |
Occupation: | Professional |
Now delinquent:
| 0 |
Revolving credit balance:
| $52,027 | Stated income: | $50,000-$74,999 |
Amount delinquent:
| $0 |
Bankcard utilization:
| 22% | | |
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| Yes | | |
Delinquencies in last 7y:
| 1 | | | | |
Screen name:
| mindful-bill7 |
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
Installing new wood flooring
The wood floor in my condo has been damaged due to a water leak. I am very eager to install new flooring to increase the value of my condo so I can sell it and make a profit once the housing market recovers. I am fully capable of making the monthly payments due to my income and my fiance's since tother we earn over $100k/year. My revolving credit balance is high because of my 2nd mortgage but I share this expense with my father and have never defaulted on any payments. I have looked into refinancing my condo in order to help with the home improvements but since I bought my unit at the height of the real estate market and it is now worth less than what I paid for, there is no money for me to pull out. I promise you will not regret it if of you loan me the desired amount I'm requesting. Thank you for your time.
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
462392
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount:
| $5,000.00 |
Prosper Rating:
| A |
Auction Duration:
| 7 days
|
Term:
| 36 months |
Estimated loss:
| 2.1% | | |
| | |
|
Starting lender yield:
| 8.20% |
Starting borrower rate/APR:
| 9.20% / 11.30% |
Starting monthly payment:
| $159.46 |
|
Auction yield range:
| 3.98% - 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:
| Sep-1989 |
Debt/Income ratio:
| 20% |
Basic (1-10):
| 9 |
Inquiries last 6m:
| 0 | Employment status: | Full-time employee |
Enhanced (1-5): | 5 |
Current / open credit lines:
| 11
/
6 | Length of status: | 12y 9m |
Credit score:
| 740-759 (Jun-2010) |
Total credit lines:
| 17 |
Occupation: | Teacher |
Now delinquent:
| 0 |
Revolving credit balance:
| $5,654 | 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:
| heartpounding-dime |
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
updating doors and windows
Purpose of loan:
This loan will be used to?finance new windows and doors to save energy
My financial situation:
I am a good candidate for this loan because?I have been steadily employed for 13 years.
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
462394
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount:
| $1,500.00 |
Prosper Rating:
| C |
Auction Duration:
| 7 days
|
Term:
| 36 months |
Estimated loss:
| 6.5% | | |
| | |
|
Starting lender yield:
| 18.90% |
Starting borrower rate/APR:
| 19.90% / 22.39% |
Starting monthly payment:
| $55.67 |
|
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-2007 |
Debt/Income ratio:
| Not calculated |
Basic (1-10):
| 9 |
Inquiries last 6m:
| 0 | Employment status: | Full-time employee |
Enhanced (1-5): | 5 |
Current / open credit lines:
| 3
/
2 |
Occupation: | Clerical |
Credit score:
| 640-659 (Jun-2010) |
Total credit lines:
| 6 | Stated income: | $1-$24,999 |
Now delinquent:
| 0 |
Revolving credit balance:
| $3,051 | |
Amount delinquent:
| $0 |
Bankcard utilization:
| 42% | | |
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| No | | |
Delinquencies in last 7y:
| 0 | | | | |
Screen name:
| unrivaled-hope0 |
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 break a lease
Purpose of loan:
This loan will be used to?Break the lease from an apartment thats not suited for my two small children to be living in.
My financial situation: Is good but they need the payment upfront and will not accept payments therefore I'm applying for a loan.
I am a good candidate for this loan because?I can make the payments and pay more than the minimum requirement.
Monthly net income: $ 1200
Monthly expenses: $ 433
??Housing: $0
??Insurance: $155
??Car expenses: $100
??Utilities: $
??Phone, cable, internet: $100
??Food, entertainment: $
??Clothing, household expenses $
??Credit cards and other loans: $80
??Other expenses: $
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
462398
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount:
| $7,500.00 |
Prosper Rating:
| C |
Auction Duration:
| 7 days
|
Term:
| 36 months |
Estimated loss:
| 8.0% | | |
| | |
|
Starting lender yield:
| 22.68% |
Starting borrower rate/APR:
| 23.68% / 25.97% |
Starting monthly payment:
| $292.99 |
|
Auction yield range:
| 7.98% - 22.68% |
Estimated loss impact:
| 8.54% | | |
Lender servicing fee:
| 1.00% |
Estimated return:
| 14.14% | | |
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper scores:
| |
First credit line:
| Oct-1969 |
Debt/Income ratio:
| 27% |
Basic (1-10):
| 8 |
Inquiries last 6m:
| 1 | Employment status: | Full-time employee |
Enhanced (1-5): | 2 |
Current / open credit lines:
| 18
/
12 | Length of status: | 1y 10m |
Credit score:
| 700-719 (Jun-2010) |
Total credit lines:
| 61 |
Occupation: | Professional |
Now delinquent:
| 0 |
Revolving credit balance:
| $104,285 | 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:
| paulpk |
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:
| 26 ( 96% )
| 700-719 (Latest)
|
Principal borrowed:
| $3,500.00 | < 31 days late:
| 1
( 4% )
| 700-719
(Feb-2008)
|
Principal balance:
| $934.32 |
31+ days late:
| 0
( 0% )
|
Total payments billed:
| 27 | | |
Description
Debt Retirement
Purpose of loan: I was an earlier beneficiary of Prosper and have been extremely pleased with the experience. I am interested in borrowing another $7,500 to pay down some higher interest debt.
My financial situation:
This is the second time I have applied for a peer loan through Prosper, and I think this is a fantastic system. My repayment history on my first loan has been nearly perfect - with one small glitch that happened while I was out of town - and it's my intention to maintain that record. When I took out my last loan I was self-employed with a reliable income stream. Currently I have a traditional job and am earning about 10% more than before.
Monthly net income: $ $7,200
Monthly expenses: $
??Housing: $ 3,000
??Insurance: $ 200
??Car expenses: $500
??Utilities: $ 300
??Phone, cable, internet: $ 150
??Food, entertainment: $ 350
??Clothing, household expenses $ 250
??Credit cards and other loans: $
??Other expenses: $
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
462400
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount:
| $5,000.00 |
Prosper Rating:
| AA |
Auction Duration:
| 7 days
|
Term:
| 36 months |
Estimated loss:
| 0.6% | | |
| | |
|
Starting lender yield:
| 6.10% |
Starting borrower rate/APR:
| 7.10% / 7.44% |
Starting monthly payment:
| $154.61 |
|
Auction yield range:
| 2.98% - 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:
| Sep-1983 |
Debt/Income ratio:
| 14% |
Basic (1-10):
| 10 |
Inquiries last 6m:
| 0 | Employment status: | Full-time employee |
Enhanced (1-5): | 5 |
Current / open credit lines:
| 11
/
11 | Length of status: | 9y 6m |
Credit score:
| 780-799 (Jun-2010) |
Total credit lines:
| 30 |
Occupation: | Analyst |
Now delinquent:
| 0 |
Revolving credit balance:
| $13,380 | Stated income: | $50,000-$74,999 |
Amount delinquent:
| $0 |
Bankcard utilization:
| 37% | | |
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| Yes | | |
Delinquencies in last 7y:
| 0 | | | | |
Screen name:
| computer0 |
Borrower's state:
| Pennsylvania |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan history | Payment history | Credit score history |
Active / total loans:
| 1 / 1 |
On-time:
| 6 ( 100% )
| 780-799 (Latest)
|
Principal borrowed:
| $4,000.00 | < 31 days late:
| 0
( 0% )
| 800-819
(Nov-2009)
|
Principal balance:
| $3,390.63 |
31+ days late:
| 0
( 0% )
|
Total payments billed:
| 6 | | |
Description
Paying off Line of Credit
Purpose of loan:
This loan will be used to?pay off my?personal line?of credit and reduce the limit from $10,000 to?$2000 for overdraft protection only.?? I am trying to?term out my open ended credit?in preparation of my daughter?applying to colleges soon.
My financial situation:
I am a good candidate for this loan because? I have had several different types of credit in my 30 year?financial history?and I have never had a late payment, been delinquent, or caused any lender grief!!?? I always pay on time and in full as I am sure my credit shows!!
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
462404
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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:
| 25.0% | | |
| | |
|
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:
| 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-1996 |
Debt/Income ratio:
| 31% |
Basic (1-10):
| 2 |
Inquiries last 6m:
| 2 | Employment status: | Full-time employee |
Enhanced (1-5): | 1 |
Current / open credit lines:
| 10
/
11 | Length of status: | 0y 4m |
Credit score:
| 660-679 (Jun-2010) |
Total credit lines:
| 43 |
Occupation: | Nurse (RN) |
Now delinquent:
| 2 |
Revolving credit balance:
| $35,611 | Stated income: | $75,000-$99,999 |
Amount delinquent:
| $2,653 |
Bankcard utilization:
| 99% | | |
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| Yes | | |
Delinquencies in last 7y:
| 0 | | | | |
Screen name:
| platinum-owner3 |
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
Paying off credit cards
Purpose of loan:
This loan will be used to consolidate debts.?
My financial situation:
I am a good candidate for this loan because I have?good credit history. I am going through a divorce and my husband was awarded the house/
Monthly net income: $ 6800
Monthly expenses: $
??Housing: $ 1395
??Insurance: $ 110
??Car expenses: $ 210
??Utilities: $ 100
??Phone, cable, internet: $ 140
??Food, entertainment: $?300
??Clothing, household expenses $ 300
??Credit cards and other loans: $ 1200
??Other expenses: $ 200
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
462406
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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:
| 25.38% |
Starting borrower rate/APR:
| 26.38% / 28.71% |
Starting monthly payment:
| $121.48 |
|
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:
| Apr-1998 |
Debt/Income ratio:
| 126% |
Basic (1-10):
| 7 |
Inquiries last 6m:
| 1 | Employment status: | Part-time employee |
Enhanced (1-5): | 3 |
Current / open credit lines:
| 18
/
16 | Length of status: | 9y 0m |
Credit score:
| 660-679 (Jun-2010) |
Total credit lines:
| 59 |
Occupation: | Administrative Assi... |
Now delinquent:
| 0 |
Revolving credit balance:
| $18,233 | Stated income: | $1-$24,999 |
Amount delinquent:
| $0 |
Bankcard utilization:
| 87% | | |
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| Yes | | |
Delinquencies in last 7y:
| 0 | | | | |
Screen name:
| blue-interest-magnolia |
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 debt
Purpose of loan:
This loan will be used to?
My financial situation:
I am a good candidate for this loan because?
Monthly net income: $
Monthly expenses: $
??Housing: $
??Insurance: $
??Car expenses: $
??Utilities: $
??Phone, cable, internet: $
??Food, entertainment: $
??Clothing, household expenses $
??Credit cards and other loans: $
??Other expenses: $
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
462412
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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:
| B |
Auction Duration:
| 7 days
|
Term:
| 36 months |
Estimated loss:
| 5.0% | | |
| | |
|
Starting lender yield:
| 13.98% |
Starting borrower rate/APR:
| 14.98% / 17.15% |
Starting monthly payment:
| $294.57 |
|
Auction yield range:
| 5.98% - 13.98% |
Estimated loss impact:
| 5.24% | | |
Lender servicing fee:
| 1.00% |
Estimated return:
| 8.74% | | |
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:
| Jun-1983 |
Debt/Income ratio:
| 50% |
Basic (1-10):
| 8 |
Inquiries last 6m:
| 0 | Employment status: | Full-time employee |
Enhanced (1-5): | 3 |
Current / open credit lines:
| 14
/
13 | Length of status: | 22y 0m |
Credit score:
| 720-739 (Jun-2010) |
Total credit lines:
| 40 |
Occupation: | Sales - Commission |
Now delinquent:
| 0 |
Revolving credit balance:
| $84,730 | Stated income: | $50,000-$74,999 |
Amount delinquent:
| $0 |
Bankcard utilization:
| 84% | | |
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| Yes | | |
Delinquencies in last 7y:
| 0 | | | | |
Screen name:
| resolute-point |
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
Help me pay off my credit cards!!!!
Purpose of loan:
I want to consolidate my credit card debt and pay it off ASAP.
My financial situation:
I am a good candidate for this loan because I have a great work history and always pay my bills ontime.? I have been with the same employer for over 20 years.
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
462416
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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:
| Jan-1978 |
Debt/Income ratio:
| Not calculated |
Basic (1-10):
| 3 |
Inquiries last 6m:
| 1 | Employment status: | Full-time employee |
Enhanced (1-5): | 2 |
Current / open credit lines:
| 8
/
8 | Length of status: | 1y 1m |
Credit score:
| 820-839 (Jun-2010) |
Total credit lines:
| 27 |
Occupation: | Executive |
Now delinquent:
| 2 |
Revolving credit balance:
| $39,464 | Stated income: | $100,000+ |
Amount delinquent:
| $900 |
Bankcard utilization:
| 70% | | |
Public records last 12m / 10y:
| 0/ 1 |
Homeownership:
| Yes | | |
Delinquencies in last 7y:
| 0 | | | | |
Screen name:
| newest-credit-balance |
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 credit cards and consolidate other bills
My financial situation: Stable
I am a good candidate for this loan because I have very few existing bills and my expenses are low.I also have stable income from multiple sources.
Monthly net income: $10,000
Monthly expenses: $
??Housing: $2200
??Insurance: $300
??Car expenses: $800
??Utilities: $500
??Phone, cable, internet: $250
??Food, entertainment: $500
??Clothing, household expenses $
??Credit cards and other loans: $1000
??Other expenses: $
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
462428
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount:
| $3,000.00 |
Prosper Rating:
| HR |
Auction Duration:
| 7 days
|
Term:
| 36 months |
Estimated loss:
| 25.0% | | |
| | |
|
Starting lender yield:
| 34.00% |
Starting borrower rate/APR:
| 35.00% / 37.45% |
Starting monthly payment:
| $135.71 |
|
Auction yield range:
| 16.98% - 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:
| Dec-1997 |
Debt/Income ratio:
| 39% |
Basic (1-10):
| 3 |
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 Payment History With Prospe
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.?Experian is showing a credit score of 670. My credit score dropped about 10 points from last time I got a loan because I got a credit card?so I could increase my credit score over the long haul.? 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. The only?Delinquency is from a libary for 40.00 for a over due book. I've never had a over due book and I'm trying to get this removed from my credit report. Everything else on my credit report is perfect.
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
462434
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount:
| $1,250.00 |
Prosper Rating:
| A |
Auction Duration:
| 7 days
|
Term:
| 36 months |
Estimated loss:
| 2.1% | | |
| | |
|
Starting lender yield:
| 8.33% |
Starting borrower rate/APR:
| 9.33% / 12.15% |
Starting monthly payment:
| $39.94 |
|
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:
| Aug-2005 |
Debt/Income ratio:
| Not calculated |
Basic (1-10):
| 9 |
Inquiries last 6m:
| 1 | Employment status: | Not employed |
Enhanced (1-5): | 5 |
Current / open credit lines:
| 6
/
6 | Length of status: | 1y 1m |
Credit score:
| 740-759 (Jun-2010) |
Total credit lines:
| 9 | Stated income: | Not employed |
Now delinquent:
| 0 |
Revolving credit balance:
| $117 | |
Amount delinquent:
| $0 |
Bankcard utilization:
| 1% | | |
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| No | | |
Delinquencies in last 7y:
| 0 | | | | |
Screen name:
| methodical-listing |
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
Short-Term Loan for College Student
Purpose of loan:
This loan will be used to bridge my
transition to San Francisco where I will transfer in order to finish
remaining coursework for an undergraduate degree in economics.
My
financial situation:
I am a good candidate for this loan because
I will pay back the remaining balance of this loan when I receive my
financial aid, which should take 1-2 months after August 2010, which is
when school starts. Currently, I am in the process of applying for
part-time jobs in the San Francisco Unified School District as a AVID
tutor, or a Special Education Paraprofessional; in addition, I plan to
apply for jobs on campus, which will be posted in mid-July. I? worked at
my current community college as a high school social sciences
tutor/classroom aide in the High School Referral program for over a year
ending in May 2009. I also have over a $1,000 in savings and I have good credit. In addition, I intend to become more creditworthy by having this personal loan from Prosper.com being listed on my credit reports as a positive installment loan item with dependable, on-time payment.
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
462436
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount:
| $13,000.00 |
Prosper Rating:
| HR |
Auction Duration:
| 7 days
|
Term:
| 36 months |
Estimated loss:
| 25.0% | | |
| | |
|
Starting lender yield:
| 34.00% |
Starting borrower rate/APR:
| 35.00% / 37.45% |
Starting monthly payment:
| $588.07 |
|
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:
| Dec-1990 |
Debt/Income ratio:
| Not calculated |
Basic (1-10):
| 2 |
Inquiries last 6m:
| 6 | Employment status: | Full-time employee |
Enhanced (1-5): | 1 |
Current / open credit lines:
| 27
/
19 | Length of status: | 9y 5m |
Credit score:
| 700-719 (Jun-2010) |
Total credit lines:
| 55 |
Occupation: | Executive |
Now delinquent:
| 0 |
Revolving credit balance:
| $250,168 | Stated income: | $100,000+ |
Amount delinquent:
| $0 |
Bankcard utilization:
| 43% | | |
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| Yes | | |
Delinquencies in last 7y:
| 0 | | | | |
Screen name:
| armada3 |
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
Putting in a new bathroom
Purpose of loan:
This loan will be used to?
home improvements - new bathroom
My financial situation:
I am a good candidate for this loan because?
i am earing enough to repay loan
Monthly net income: $
15,000
Monthly expenses: $
??Housing:?900
??Insurance: $?200
car-100
??Utilities: $ included in rent
??Phone, cable, internet: $
??Food, entertainment: $ 80
??Clothing, household expenses $ 150
??Credit cards and other loans: $ 10000
??Other expenses: $ 0
0
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
462440
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount:
| $4,500.00 |
Prosper Rating:
| HR |
Auction Duration:
| 7 days
|
Term:
| 36 months |
Estimated loss:
| 18.0% | | |
| | |
|
Starting lender yield:
| 34.00% |
Starting borrower rate/APR:
| 35.00% / 37.45% |
Starting monthly payment:
| $203.56 |
|
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-1983 |
Debt/Income ratio:
| 13% |
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: | 22y 10m |
Credit score:
| 680-699 (Jun-2010) |
Total credit lines:
| 31 |
Occupation: | Other |
Now delinquent:
| 1 |
Revolving credit balance:
| $6,171 | Stated income: | $50,000-$74,999 |
Amount delinquent:
| $0 |
Bankcard utilization:
| 97% | | |
Public records last 12m / 10y:
| 0/ 1 |
Homeownership:
| Yes | | |
Delinquencies in last 7y:
| 34 | | | | |
Screen name:
| enticing-point5 |
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
Dixie's loan
Purpose of loan: paying off some credit cards
This loan will be used to?
My financial situation:
I am a good candidate for this loan because I have a 23 year excellant work history.? I did have to file for bankruptsy 3 years ago?due to family business going under.?
Monthly net income: $ 56496
Monthly expenses: $
??Housing: $ 1434 - includes taxes and insurance
??Insurance: $ 200
??Car expenses: $ 278
??Utilities: $ 200
??Phone, cable, internet: $ 200
??Food, entertainment: $ 600
??Clothing, household expenses $ 200
??Credit cards and other loans: $ 120
??Other expenses: $
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
462442
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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:
| 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 not had any delinquencies in last?4 years.
Monthly net income: $ 9,500
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
462446
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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:
| 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:
| $328.23 |
|
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:
| Sep-1979 |
Debt/Income ratio:
| 62% |
Basic (1-10):
| 7 |
Inquiries last 6m:
| 1 | Employment status: | Full-time employee |
Enhanced (1-5): | 2 |
Current / open credit lines:
| 15
/
12 | Length of status: | 48y 0m |
Credit score:
| 720-739 (Jun-2010) |
Total credit lines:
| 28 |
Occupation: | Administrative Assi... |
Now delinquent:
| 0 |
Revolving credit balance:
| $59,851 | Stated income: | $25,000-$49,999 |
Amount delinquent:
| $0 |
Bankcard utilization:
| 83% | | |
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| Yes | | |
Delinquencies in last 7y:
| 0 | | | | |
Screen name:
| asset-orbit6 |
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
Helping Daughter with debt
Purpose of loan:
This loan will be used to?
I would like to help my daughter with her debt.? I want to see her succeed.? She is trying to make credit changes in her life and needs a little help in the right direction.? She will be also paying on this loan.
My financial situation:
I am a good candidate for this loan because?
I have a good credit history and pay on time.
Monthly net income: $ 3,200
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
462448
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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:
| Jan-1989 |
Debt/Income ratio:
| 24% |
Basic (1-10):
| 4 |
Inquiries last 6m:
| 1 | Employment status: | Full-time employee |
Enhanced (1-5): | 1 |
Current / open credit lines:
| 2
/
1 | Length of status: | 2y 1m |
Credit score:
| 660-679 (Jun-2010) |
Total credit lines:
| 4 |
Occupation: | Other |
Now delinquent:
| 0 |
Revolving credit balance:
| $0 | Stated income: | $25,000-$49,999 |
Amount delinquent:
| $0 |
Bankcard utilization:
| 0% | | |
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| No | | |
Delinquencies in last 7y:
| 0 | | | | |
Screen name:
| reward-bearer |
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
Sound system for 2010 Camaro
Purpose of loan:
This loan will be used to?
Purchase a new sound system for a 2010 Camaro I bought in February.
My financial situation:
I am a good candidate for this loan because?
I have made my $410 car payments early, my insurance is current and really have no other bills.
I
Monthly net income: $
1,600
Monthly expenses: $
??Housing: $
0
??Insurance: $
527 every 6 months, next payment due in August
??Car expenses: $
410 on the 13th of every month
??Utilities: $
120
??Phone, cable, internet: $
80
??Food, entertainment: $ 300
??Clothing, household expenses $ 100
??Credit cards and other loans: $
0
??Other expenses: $
0
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
462454
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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:
| Aug-2001 |
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:
| 6
/
6 | Length of status: | 0y 1m |
Credit score:
| 680-699 (Jun-2010) |
Total credit lines:
| 20 | Stated income: | Not employed |
Now delinquent:
| 0 |
Revolving credit balance:
| $6,050 | |
Amount delinquent:
| $0 |
Bankcard utilization:
| 90% | | |
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| No | | |
Delinquencies in last 7y:
| 0 | | | | |
Screen name:
| riveting-diversification5 |
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.
Description
Paying for College
Purpose of loan:
This loan will be used to help me to get the tools I need to complete my college education and finish my last year in school.?
My financial situation:
I am a good candidate for this loan because I am never delinquent and pride myself in taking care of my bills and responsibilites.
Monthly net income: about $9,600
Monthly expenses: $
??Housing: $ 0.00
??Insurance: $ 120.00
??Car expenses: $ 275.00
??Utilities: $ 0.00
??Phone, cable, internet: $ 0.00
??Food, entertainment: $ 0.00
??Clothing, household expenses $ 0.00
??Credit cards and other loans: $ 250.00
??Other expenses: $ 0.00
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
462456
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount:
| $6,255.00 |
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:
| $256.20 |
|
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:
| Aug-1999 |
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:
| 19
/
17 | Length of status: | 3y 1m |
Credit score:
| 640-659 (Jun-2010) |
Total credit lines:
| 41 |
Occupation: | Computer Programmer |
Now delinquent:
| 0 |
Revolving credit balance:
| $8,852 | Stated income: | $50,000-$74,999 |
Amount delinquent:
| $0 |
Bankcard utilization:
| 67% | | |
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| Yes | | |
Delinquencies in last 7y:
| 0 | | | | |
Screen name:
| thrifty-justice6 |
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 a credit card
Purpose of loan:
This loan will be used to pay of a high interest credit card.
My financial situation:
I am a good candidate for this loan because I'm highly motivated to become debt free very soon.
Monthly net income: $
$5633
Monthly expenses: $
??Housing: $
1189
??Insurance: $
113
??Car expenses: $ 50
??Utilities: $
200
??Phone, cable, internet: $
0
??Food, entertainment: $
500
??Clothing, household expenses $ 50
??Credit cards and other loans: $
700
??Other expenses: $
****************************NOTE:? My revolving credit balance hasn't been updated yet, but it's down to $6255***********************
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
462458
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount:
| $7,000.00 |
Prosper Rating:
| D |
Auction Duration:
| 7 days
|
Term:
| 36 months |
Estimated loss:
| 10.0% | | |
| | |
|
Starting lender yield:
| 26.38% |
Starting borrower rate/APR:
| 27.38% / 29.72% |
Starting monthly payment:
| $287.21 |
|
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:
| Aug-2006 |
Debt/Income ratio:
| 27% |
Basic (1-10):
| 6 |
Inquiries last 6m:
| 1 | Employment status: | Full-time employee |
Enhanced (1-5): | 2 |
Current / open credit lines:
| 3
/
3 | Length of status: | 3y 10m |
Credit score:
| 700-719 (Jun-2010) |
Total credit lines:
| 4 |
Occupation: | Teacher |
Now delinquent:
| 0 |
Revolving credit balance:
| $555 | Stated income: | $25,000-$49,999 |
Amount delinquent:
| $0 |
Bankcard utilization:
| 17% | | |
Public records last 12m / 10y:
| 0/ 1 |
Homeownership:
| No | | |
Delinquencies in last 7y:
| 0 | | | | |
Screen name:
| capital-brigade400 |
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 / 2 |
On-time:
| 19 ( 100% )
| 700-719 (Latest)
|
Principal borrowed:
| $4,500.00 | < 31 days late:
| 0
( 0% )
| 720-739
(Nov-2009)
700-719
(Sep-2008)
|
Principal balance:
| $2,133.08 |
31+ days late:
| 0
( 0% )
|
Total payments billed:
| 19 | | |
Description
Paying off car loan
Purpose of loan:
This loan will be used to? I plan on paying off my current loan.? Then I will pay off a car loan, and a medical bill.? My loan payment would be less then what I am currently paying.
My financial situation:
I am a good candidate for this loan because? I have never been late, or missed a payment.? I will be making more money this school year.
Monthly net income: $ 2010
Monthly expenses: $
??Housing: $ 350
??Insurance: $ 138
??Car expenses: $?270- but will go down to 0 if I recieve this loan
??Utilities: $?125
??Phone, cable, internet: $ 100
??Food, entertainment: $?350
??Clothing, household expenses $ 125
??Credit cards and other loans: $ 40
??Other expenses: $
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
462464
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount:
| $12,000.00 |
Prosper Rating:
| HR |
Auction Duration:
| 7 days
|
Term:
| 36 months |
Estimated loss:
| 34.5% | | |
| | |
|
Starting lender yield:
| 17.99% |
Starting borrower rate/APR:
| 18.99% / 21.21% |
Starting monthly payment:
| $439.81 |
|
Auction yield range:
| 16.98% - 17.99% |
Estimated loss impact:
| 35.50% | | |
Lender servicing fee:
| 1.00% |
Estimated return:
| -17.51% | | |
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-2002 |
Debt/Income ratio:
| 29% |
Basic (1-10):
| 1 |
Inquiries last 6m:
| 11 | Employment status: | Full-time employee |
Enhanced (1-5): | 1 |
Current / open credit lines:
| 11
/
10 | Length of status: | 4y 5m |
Credit score:
| 660-679 (Jun-2010) |
Total credit lines:
| 13 |
Occupation: | Retail Management |
Now delinquent:
| 0 |
Revolving credit balance:
| $36,545 | Stated income: | $25,000-$49,999 |
Amount delinquent:
| $0 |
Bankcard utilization:
| 47% | | |
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| Yes | | |
Delinquencies in last 7y:
| 0 | | | | |
Screen name:
| wise-skillful-wampum |
Borrower's state:
| Alabama |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Description
Debt Consolidation-Paying down debt
Purpose of loan:
This loan will be used to?
Pay off a high interest credit card in order to free up cash so we can aggressively pay debt down.
My financial situation:
I am a good candidate for this loan because?
We have never been delinquent nor have we ever not paid a debt.? Investors can expect a full return of capital.
Monthly net income: $
4400
Monthly expenses: $
??Housing: $
680
??Insurance: $
35
??Car expenses: $
0
??Utilities: $165
??Phone, cable, internet: $
100
??Food, entertainment: $
750
??Clothing, household expenses $
125
??Credit cards and other loans: $
700
??Other expenses: $
325
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
462468
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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:
| 10.75% |
Starting borrower rate/APR:
| 11.75% / 13.88% |
Starting monthly payment:
| $330.95 |
|
Auction yield range:
| 3.98% - 10.75% |
Estimated loss impact:
| 2.13% | | |
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:
| Dec-1992 |
Debt/Income ratio:
| 59% |
Basic (1-10):
| 8 |
Inquiries last 6m:
| 0 | Employment status: | Part-time employee |
Enhanced (1-5): | 5 |
Current / open credit lines:
| 12
/
12 | Length of status: | 9y 10m |
Credit score:
| 780-799 (Jun-2010) |
Total credit lines:
| 29 |
Occupation: | Sales - Retail |
Now delinquent:
| 0 |
Revolving credit balance:
| $15,459 | Stated income: | $25,000-$49,999 |
Amount delinquent:
| $0 |
Bankcard utilization:
| 32% | | |
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| No | | |
Delinquencies in last 7y:
| 0 | | | | |
Screen name:
| punctual-coin4 |
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 Credit Cards/Auto Repair
Purpose of loan:
This loan will be used to consolidate?2?credit card bills that have?a higher interest rate?and to help?my son with some auto repair costs.
I am?helping my son recover from a lengthy, costly divorce. My photo shows my son and my wonderful grandson who have been through a very difficult year. I would like to assist him purchase new tires and have the computer module?in his 2005 vehicle replaced as it is causing major issues.
My financial situation:
I am a very responsible bill payer and credit user. I am extremely mindful of paying my bills on time and paying off debt as soon as possible.
I have a $325 Honda mini-van payment and the usual electric and gas bills. My home is paid for so I am not in any heavy debt.
I am a?great candidate for this loan because I take my credit and trustworthiness very seriously and I only use credit for what I absolutely must.
Thank you
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
462470
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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:
| 18.00% |
Starting borrower rate/APR:
| 19.00% / 21.22% |
Starting monthly payment:
| $549.84 |
|
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:
| Feb-1991 |
Debt/Income ratio:
| 17% |
Basic (1-10):
| 3 |
Inquiries last 6m:
| 3 | Employment status: | Full-time employee |
Enhanced (1-5): | 4 |
Current / open credit lines:
| 10
/
8 | Length of status: | 14y 11m |
Credit score:
| 760-779 (Jun-2010) |
Total credit lines:
| 43 |
Occupation: | Military Officer |
Now delinquent:
| 0 |
Revolving credit balance:
| $2,521 | Stated income: | $50,000-$74,999 |
Amount delinquent:
| $0 |
Bankcard utilization:
| 38% | | |
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| Yes | | |
Delinquencies in last 7y:
| 0 | | | | |
Screen name:
| rupee-sycamore4 |
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
Vehicle for Ambulance company
Purpose of loan:
This loan will be used to assist in purchasing an ambulance for an Emergency Medical Service in the state of TX. Our start-up has letters of intent in our possession in addition to the back-up contract for the 911 service in Karnes county, TX.
My financial situation: is decent and getting better.
I am a good candidate for this loan because never defaulted on a loan and all my payments are current. I am also an accountant major so I know how to budget.
Monthly net income: $2000 but will increase to $6000 as of the end of this month. I will be going to work full time and the increase is signifcant.
Monthly expenses: $1000
??Housing: $730
??Insurance: $100
??Car expenses: $0
??Utilities: $150
??Phone, cable, internet: $120
??Food, entertainment: $50
??Clothing, household expenses $80
??Credit cards and other loans: $100
??Other expenses: $0
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
462472
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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:
| Feb-1998 |
Debt/Income ratio:
| 36% |
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: | 27y 5m |
Credit score:
| 700-719 (Jun-2010) |
Total credit lines:
| 17 |
Occupation: | Laborer |
Now delinquent:
| 0 |
Revolving credit balance:
| $40,442 | Stated income: | $50,000-$74,999 |
Amount delinquent:
| $0 |
Bankcard utilization:
| 79% | | |
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| Yes | | |
Delinquencies in last 7y:
| 0 | | | | |
Screen name:
| museum9 |
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 addition to care of parents
Purpose of loan:
Build on to my home, to help take care of my parents?
My financial situation:
I am responsible, and have a steady job. I like the idea of peer to peer lending-- new idea that makes sense.
Monthly net income: $
3000
Monthly expenses: $
??Housing: $?900
??Insurance: $ 60
??Car expenses: $ 130
??Utilities: $?100
??Phone, cable, internet: $ 120
??Food, entertainment: $ 200
??Clothing, household expenses $ 100
??Credit cards and other loans: $?500
??Other expenses: $ 200
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
462480
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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:
| 8.43% |
Starting borrower rate/APR:
| 9.43% / 9.77% |
Starting monthly payment:
| $320.00 |
|
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:
| Aug-2001 |
Debt/Income ratio:
| 19% |
Basic (1-10):
| 6 |
Inquiries last 6m:
| 4 | Employment status: | Full-time employee |
Enhanced (1-5): | 3 |
Current / open credit lines:
| 9
/
8 | Length of status: | 1y 8m |
Credit score:
| 820-839 (Jun-2010) |
Total credit lines:
| 20 |
Occupation: | Nurse (RN) |
Now delinquent:
| 0 |
Revolving credit balance:
| $4,582 | Stated income: | $50,000-$74,999 |
Amount delinquent:
| $0 |
Bankcard utilization:
| 14% | | |
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| Yes | | |
Delinquencies in last 7y:
| 0 | | | | |
Screen name:
| self-reliant-payout |
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
Education Loan
Purpose of loan:
This loan will be used for tuition to further my education in my chosen career.?
My financial situation:
I am a good candidate for this loan because I have a stable job with annual income of $55000 and my credit is AA per Prosper Ratings. I never had been delinquent paying my loans and will continue to pay them faithfully to keep my records and conscience clean.
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
462482
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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:
| 16.98% |
Starting borrower rate/APR:
| 17.98% / 20.19% |
Starting monthly payment:
| $903.56 |
|
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:
| Mar-1999 |
Debt/Income ratio:
| 25% |
Basic (1-10):
| 1 |
Inquiries last 6m:
| 6 | Employment status: | Full-time employee |
Enhanced (1-5): | 4 |
Current / open credit lines:
| 10
/
10 | Length of status: | 8y 1m |
Credit score:
| 760-779 (Jun-2010) |
Total credit lines:
| 28 |
Occupation: | Investor |
Now delinquent:
| 0 |
Revolving credit balance:
| $17,626 | Stated income: | $75,000-$99,999 |
Amount delinquent:
| $0 |
Bankcard utilization:
| 50% | | |
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| Yes | | |
Delinquencies in last 7y:
| 0 | | | | |
Screen name:
| GreenSt |
Borrower's state:
| Utah |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Description
Real Estate
This loan used as a small second on real
estate in UT, KS, TX.?
Orem,
?UT home. 5 bed 1 and 2 ? baths.Sq
Ft is 2135.Under
contract $135,000.? Comps $175,000-$185,000.Repairs: Paint, Carpet, doors, cut down two trees in front, paint porch in back, paint cabinets in kitchen, cleaning bathrooms.? Mostly cosmetics.Short
sale and in a cul-de-sac near shopping, local library and a short distance from
anything a person may want.I work with a partner. Have been in the business of real estate investing for 13 years.? Can
handle the payment until property is repaired and sold. ?In the case
the property is not selling within 3 months I will refinance. These
loans are usually short term.? Often I pay 2 points and 10% but this forum
does not allow that set up.
I can send info of properties through email.?
Can cross collateralize if available.Appraisal
and inspection available this week.
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
462488
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount:
| $3,700.00 |
Prosper Rating:
| 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:
| $149.57 |
|
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:
| May-1992 |
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:
| 5
/
4 | Length of status: | 5y 2m |
Credit score:
| 660-679 (Jun-2010) |
Total credit lines:
| 11 |
Occupation: | Other |
Now delinquent:
| 0 |
Revolving credit balance:
| $459 | Stated income: | $25,000-$49,999 |
Amount delinquent:
| $0 |
Bankcard utilization:
| 45% | | |
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| Yes | | |
Delinquencies in last 7y:
| 0 | | | | |
Screen name:
| sparkling-yield |
Borrower's state:
| Georgia |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Description
Paying off my credit cards
Purpose of loan:
This loan will be used to? Pay off a credit card debt
My financial situation:
I am a good candidate for this loan because? I have stable monthly income
Monthly net income: $ 4,000.00
Monthly expenses: $
??Housing: $ 1100.00
??Insurance: $ 118.00
??Car expenses: $?600
??Utilities: $?215.00
??Phone, cable, internet: $ 150.00
??Food, entertainment: $ 300.00
??Clothing, household expenses $ 100.00
??Credit cards and other loans: $?300.00
??Other expenses: $ 175.00
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
462498
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount:
| $7,300.00 |
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:
| $263.84 |
|
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:
| Aug-2004 |
Debt/Income ratio:
| 55% |
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: | 2y 10m |
Credit score:
| 640-659 (Jun-2010) |
Total credit lines:
| 18 |
Occupation: | Teacher |
Now delinquent:
| 0 |
Revolving credit balance:
| $6,167 | Stated income: | $25,000-$49,999 |
Amount delinquent:
| $0 |
Bankcard utilization:
| 68% | | |
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| No | | |
Delinquencies in last 7y:
| 0 | | | | |
Screen name:
| social-metronome |
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
Starting family/Paying off ALL debt
Purpose of loan:
This loan will be used to?pay off credit cards used to get car and things for home after getting married.
My financial situation:
I am a good candidate for this loan because?I have never been late on a payment in my entire life.? I am an English teacher and teach fiscal responsibility to my students.? I would not expect any less from myself.
Monthly net income: $ 37,000
Monthly expenses: $
??Housing: $
647
??Insurance: $
120
??Car expenses: $
287
??Utilities: $
100
??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
462510
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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:
| 34.00% |
Starting borrower rate/APR:
| 35.00% / 37.45% |
Starting monthly payment:
| $361.89 |
|
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:
| Jan-2001 |
Debt/Income ratio:
| 31% |
Basic (1-10):
| 6 |
Inquiries last 6m:
| 1 | Employment status: | Full-time employee |
Enhanced (1-5): | 3 |
Current / open credit lines:
| 11
/
10 | Length of status: | 5y 3m |
Credit score:
| 680-699 (May-2010) |
Total credit lines:
| 18 |
Occupation: | Civil Service |
Now delinquent:
| 0 |
Revolving credit balance:
| $23,226 | Stated income: | $50,000-$74,999 |
Amount delinquent:
| $0 |
Bankcard utilization:
| 92% | | |
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| Yes | | |
Delinquencies in last 7y:
| 0 | | | | |
Screen name:
| madbeefer |
Borrower's state:
| Washington |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan history | Payment history | Credit score history |
Active / total loans:
| 1 / 1 |
On-time:
| 26 ( 100% )
| 680-699 (Latest)
|
Principal borrowed:
| $1,300.00 | < 31 days late:
| 0
( 0% )
| 560-579
(Apr-2008)
560-579
(Mar-2008)
|
Principal balance:
| $441.87 |
31+ days late:
| 0
( 0% )
|
Total payments billed:
| 26 | | |
Description
Desperate need of landscaping!
Purpose of loan:
This loan will be used to?build a retaining wall that needs to be put in to prevent runoff from the property up the hill from mine getting everywhere, replacing a broken patio and putting a lawn in where my rock harvesting area currently is.
My financial situation:
I am a good candidate for this loan because? I work for the federal government therefor my income is very steady. I have also never been late on my other prosper loan.
Monthly net income: $ 6000
Monthly expenses: $
??Housing: $ 1700
??Insurance: $ 100
??Car expenses: $516?
??Utilities: $ 150
??Phone, cable, internet: $60
??Food, entertainment: $ 200
??Clothing, household expenses $100
??Credit cards and other loans: $ 400
??Other expenses: $ 300
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
462512
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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:
| Nov-1999 |
Debt/Income ratio:
| 38% |
Basic (1-10):
| 9 |
Inquiries last 6m:
| 0 | Employment status: | Full-time employee |
Enhanced (1-5): | 5 |
Current / open credit lines:
| 8
/
8 | Length of status: | 6y 5m |
Credit score:
| 680-699 (Jun-2010) |
Total credit lines:
| 16 |
Occupation: | Tradesman - Mechani... |
Now delinquent:
| 0 |
Revolving credit balance:
| $13,309 | Stated income: | $25,000-$49,999 |
Amount delinquent:
| $0 |
Bankcard utilization:
| 91% | | |
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| No | | |
Delinquencies in last 7y:
| 0 | | | | |
Screen name:
| thorough-power9 |
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
Looking For Some Help
Purpose of loan:
This loan will be used to pay for monthly bills and groceries for the next few months. My wife's income has been less than half what it used to be and she used to help out with monthly expenses.
My financial situation:
I am a good candidate for this loan because I have been extremely consistent in paying all my debts on time and generally above the minimum payment due.
Monthly net income: $
45,000
Monthly expenses: $
??Housing: $
1100
??Insurance: $
36
??Car expenses: $
100
??Utilities: $
150
??Phone, cable, internet: $
80
??Food, entertainment: $
40
??Clothing, household expenses $
??Credit cards and other loans: $
550
??Other expenses: $
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
462522
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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:
| 25.0% | | |
| | |
|
Starting lender yield:
| 20.00% |
Starting borrower rate/APR:
| 21.00% / 23.25% |
Starting monthly payment:
| $169.54 |
|
Auction yield range:
| 16.98% - 20.00% |
Estimated loss impact:
| 26.13% | | |
Lender servicing fee:
| 1.00% |
Estimated return:
| -6.13% | | |
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper scores:
| |
First credit line:
| Feb-1995 |
Debt/Income ratio:
| 19% |
Basic (1-10):
| 3 |
Inquiries last 6m:
| 1 | Employment status: | Full-time employee |
Enhanced (1-5): | 4 |
Current / open credit lines:
| 7
/
5 | Length of status: | 15y 8m |
Credit score:
| 600-619 (May-2010) |
Total credit lines:
| 32 |
Occupation: | Military Enlisted |
Now delinquent:
| 0 |
Revolving credit balance:
| $7,481 | Stated income: | $50,000-$74,999 |
Amount delinquent:
| $0 |
Bankcard utilization:
| 79% | | |
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| No | | |
Delinquencies in last 7y:
| 7 | | | | |
Screen name:
| tanker07 |
Borrower's state:
| Colorado |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan history | Payment history | Credit score history |
Active / total loans:
| 0 / 1 |
On-time:
| 8 ( 89% )
| 600-619 (Latest)
|
Principal borrowed:
| $1,500.00 | < 31 days late:
| 1
( 11% )
| 640-659
(Oct-2007)
|
Principal balance:
| $0.00 |
31+ days late:
| 0
( 0% )
|
Total payments billed:
| 9 | | |
Description
Buying new motorcycle
Purpose of loan:? To purchase motorcycle (explain what you will be using this loan for)
.?? My financial situation:? Purchasing a motorcycle for work.
Monthly net income: $ 5,000.00
Monthly payments:$2,800.00
Monthly expenses: $?
??Housing: $ 1045.00 Insurance: $ 82.00
??Car expenses: $ 420.00
??Utilities: $ 120.00
??Phone, cable, internet: $ 110.00
??Food, entertainment: $ 250.00
??Clothing, household expenses $?40??
??Credit cards and other loans: $ 220.00
??Other expenses: $
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
462524
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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:
| 7.0% | | |
| | |
|
Starting lender yield:
| 9.00% |
Starting borrower rate/APR:
| 10.00% / 12.11% |
Starting monthly payment:
| $161.34 |
|
Auction yield range:
| 7.98% - 9.00% |
Estimated loss impact:
| 7.18% | | |
Lender servicing fee:
| 1.00% |
Estimated return:
| 1.82% | | |
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper scores:
| |
First credit line:
| Apr-1983 |
Debt/Income ratio:
| 17% |
Basic (1-10):
| 7 |
Inquiries last 6m:
| 0 | Employment status: | Retired |
Enhanced (1-5): | 5 |
Current / open credit lines:
| 4
/
4 | Length of status: | 3y 0m |
Credit score:
| 760-779 (Jun-2010) |
Total credit lines:
| 14 | Stated income: | $1-$24,999 |
Now delinquent:
| 0 |
Revolving credit balance:
| $0 | |
Amount delinquent:
| $0 |
Bankcard utilization:
| 0% | | |
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| Yes | | |
Delinquencies in last 7y:
| 6 | | | | |
Screen name:
| taco5 |
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
Buying a new Air Conditioner Unit
Purpose of loan:
This loan will be used to? Buy a new central air unit for our house.
My financial situation:
I am a good candidate for this loan because? we own our own home and we have a steady income.
Monthly net income: $ 967
Monthly expenses: $ 165.00 This is a free and clear income. My spouse pays all of the?other expenses.
??Housing: $
??Insurance: $
??Car expenses: $
??Utilities: $
??Phone, cable, internet: $15.00
??Food, entertainment: $ 150.00
??Clothing, household expenses $
??Credit cards and other loans: $
??Other expenses: $
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
462540
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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:
| Mar-1975 |
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:
| 18
/
16 | Length of status: | 1y 7m |
Credit score:
| 700-719 (Jun-2010) |
Total credit lines:
| 44 |
Occupation: | Professional |
Now delinquent:
| 0 |
Revolving credit balance:
| $106,040 | Stated income: | $100,000+ |
Amount delinquent:
| $0 |
Bankcard utilization:
| 77% | | |
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| Yes | | |
Delinquencies in last 7y:
| 0 | | | | |
Screen name:
| direct-hope3 |
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
Down w/high interest credit cards
Purpose of loan:
This loan will be used to eliminate the high interest rate credit cards who have taken advantage of me (and many others)?and are forcing me to pay?only minimum amounts?and to earnestly?work to pay off all other outstanding cards.? With your help I can eliminate the need to live "paycheck to paycheck."
My financial situation:
I am a good candidate for this loan because I pay ALL bills on time every month and would love to be able to send more toward the balances in the future.
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
462546
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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:
| Mar-1995 |
Debt/Income ratio:
| 20% |
Basic (1-10):
| 6 |
Inquiries last 6m:
| 1 | Employment status: | Full-time employee |
Enhanced (1-5): | 2 |
Current / open credit lines:
| 5
/
5 | Length of status: | 0y 11m |
Credit score:
| 660-679 (Jun-2010) |
Total credit lines:
| 35 |
Occupation: | Truck Driver |
Now delinquent:
| 0 |
Revolving credit balance:
| $1,124 | Stated income: | $25,000-$49,999 |
Amount delinquent:
| $0 |
Bankcard utilization:
| 46% | | |
Public records last 12m / 10y:
| 0/ 1 |
Homeownership:
| No | | |
Delinquencies in last 7y:
| 20 | | | | |
Screen name:
| best-exponential-return |
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
Buying new applicances
Purpose of loan:
This loan will be used to? buy new appliances and pay off credit card.
My financial situation:
I am a good candidate for this loan because?I am a full time worker and i pay all my bills ontime and never late.?
Monthly net income: $ 2800.00
Monthly expenses. 1350.00??Housing: $ 525.00
??Insurance: $ 100.00
??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
462558
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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:
| 8.20% |
Starting borrower rate/APR:
| 9.20% / 11.30% |
Starting monthly payment:
| $95.68 |
|
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-1989 |
Debt/Income ratio:
| 19% |
Basic (1-10):
| 9 |
Inquiries last 6m:
| 0 | Employment status: | Full-time employee |
Enhanced (1-5): | 4 |
Current / open credit lines:
| 11
/
10 | Length of status: | 3y 0m |
Credit score:
| 700-719 (Jun-2010) |
Total credit lines:
| 26 |
Occupation: | Professor |
Now delinquent:
| 0 |
Revolving credit balance:
| $11,960 | Stated income: | $50,000-$74,999 |
Amount delinquent:
| $0 |
Bankcard utilization:
| 84% | | |
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| Yes | | |
Delinquencies in last 7y:
| 0 | | | | |
Screen name:
| conductor5 |
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
Refinance 29.9% Credit Card
Purpose of loan:
This loan will be used to pay off a joint credit card. My husband cancelled all of our cards that tried to raise interest rates after the recent banking crises, but missed this one. It was originally a low rate card from Providian that was sold to WaMu and then to Chase as the other banks were bought up. Chase more than doubled our rate from the initial rate, even though we've never been a day late or missed a single payment.
My financial situation:
We both have excellent payment histories and five jobs between us. I am a good candidate for this loan because?the account for the credit card in question was closed last year at our request after the card was hacked online (thanks again, Chase), and we've paid it down $2,000 already, despite the high interest rate.?We have no problem paying our current bills, we just want to pay them as quickly as possible without paying any more than necessary to the large super banks and their unfair business practices. Thank you.
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
462588
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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:
| 28.48% |
Starting borrower rate/APR:
| 30.48% / 32.87% |
Starting monthly payment:
| $106.79 |
|
Auction yield range:
| 10.98% - 28.48% |
Estimated loss impact:
| 10.71% | | |
Lender servicing fee:
| 1.00% |
Estimated return:
| 17.77% | | |
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper scores:
| |
First credit line:
| Apr-1987 |
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:
| 3
/
3 | Length of status: | 1y 3m |
Credit score:
| 700-719 (Jun-2010) |
Total credit lines:
| 6 |
Occupation: | Realtor |
Now delinquent:
| 1 |
Revolving credit balance:
| $2,453 | Stated income: | $25,000-$49,999 |
Amount delinquent:
| $314 |
Bankcard utilization:
| 8% | | |
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| No | | |
Delinquencies in last 7y:
| 0 | | | | |
Screen name:
| wealth-turtle4 |
Borrower's state:
| Michigan |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Description
Expanding Business
Purpose of loan:
I am looking to expand my business. This loan will be used to acquire additional income producing assets, which will be used to repay this loan. Based upon projects This loan should be able to be repaid with in six months.
My financial situation: Currently my assets are tied up and liquidating them would be a huge opportunity cost.
I am a good candidate for this loan because I hold a B.B.A in Entrepreneurship and I always repay all my debts.
So please help me expand my business and lets prosper together.
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
462618
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount:
| $6,000.00 |
Prosper Rating:
| HR |
Auction Duration:
| 7 days
|
Term:
| 36 months |
Estimated loss:
| 34.5% | | |
| | |
|
Starting lender yield:
| 28.00% |
Starting borrower rate/APR:
| 29.00% / 31.36% |
Starting monthly payment:
| $251.43 |
|
Auction yield range:
| 16.98% - 28.00% |
Estimated loss impact:
| 36.13% | | |
Lender servicing fee:
| 1.00% |
Estimated return:
| -8.13% | | |
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper scores:
| |
First credit line:
| Sep-2001 |
Debt/Income ratio:
| 11% |
Basic (1-10):
| 1 |
Inquiries last 6m:
| 2 | Employment status: | Full-time employee |
Enhanced (1-5): | 3 |
Current / open credit lines:
| 7
/
8 | Length of status: | 8y 9m |
Credit score:
| 600-619 (Jun-2010) |
Total credit lines:
| 28 |
Occupation: | Other |
Now delinquent:
| 7 |
Revolving credit balance:
| $4,775 | Stated income: | $100,000+ |
Amount delinquent:
| $26,777 |
Bankcard utilization:
| 91% | | |
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| Yes | | |
Delinquencies in last 7y:
| 16 | | | | |
Screen name:
| jlhome |
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:
| 1 / 1 |
On-time:
| 24 ( 100% )
| 600-619 (Latest)
|
Principal borrowed:
| $5,500.00 | < 31 days late:
| 0
( 0% )
| 600-619
(May-2008)
|
Principal balance:
| $2,138.75 |
31+ days late:
| 0
( 0% )
|
Total payments billed:
| 24 | | |
Description
consolidation to get out of Debt
Purpose:
To repay debt
I do have open debts as follows (amount [monthly]): 418[15], 437[15], 735[20],
1878[80], 5762[250]? total ?$9267[380]. I do have the $3000 I do not
ask for in the loan available.
My financial situation:
I am a good candidate for this loan because currently I am repaying these
credits at a rate exceeding 30% as well as the current monthly pmt amount does
exceed the monthly amount that Proper estimated (around $278). My goal is to
actually consolidate the whole in a single payment for ease of managing it, and
if it gets me a better rate that is a bonus. ?
Monthly net income: $ +/- $6000
Monthly exp: $
??Housing: $ 2100
??Insurance: $ 110
??Car expenses: $ 300
??Utilities: $ 250
??Phone, cable, internet: $56
??Food, entertainment: $ 1000
??Clothing, household expenses $ 200
??Cc and other loans: $ 120 (excluding the ones I
consolidate here)
??Other: $500
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
462636
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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-1986 |
Debt/Income ratio:
| 14% |
Basic (1-10):
| 4 |
Inquiries last 6m:
| 2 | Employment status: | Full-time employee |
Enhanced (1-5): | 3 |
Current / open credit lines:
| 16
/
9 | Length of status: | 11y 5m |
Credit score:
| 660-679 (Jun-2010) |
Total credit lines:
| 71 |
Occupation: | Analyst |
Now delinquent:
| 2 |
Revolving credit balance:
| $27,693 | Stated income: | $75,000-$99,999 |
Amount delinquent:
| $0 |
Bankcard utilization:
| 100% | | |
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| Yes | | |
Delinquencies in last 7y:
| 0 | | | | |
Screen name:
| cvg01 |
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
DEBT CONSOLIDATION
Purpose of loan:
This loan will be used to payoff remaining credit card balances
My financial situation:
I am a good candidate for this loan because I have a secure job and a responsible person.? I have just made some financial mistakes along the way and have learned from them.
Monthly net income: $ $3,200
Monthly expenses: $
??Housing: $ 655.00
??Insurance: $ 30.00
??Car expenses: $ 300.00
??Utilities: $ 200.00
??Phone, cable, internet: $ 100.00
??Food, entertainment: $?300.00
??Clothing, household expenses $ 200.00
??Credit cards and other loans: $ 400.00
??Other expenses: $
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
462642
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount:
| $3,500.00 |
Prosper Rating:
| D |
Auction Duration:
| 7 days
|
Term:
| 36 months |
Estimated loss:
| 10.0% | | |
| | |
|
Starting lender yield:
| 20.50% |
Starting borrower rate/APR:
| 21.50% / 23.76% |
Starting monthly payment:
| $132.76 |
|
Auction yield range:
| 10.98% - 20.50% |
Estimated loss impact:
| 10.49% | | |
Lender servicing fee:
| 1.00% |
Estimated return:
| 10.01% | | |
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper scores:
| |
First credit line:
| Oct-1994 |
Debt/Income ratio:
| 14% |
Basic (1-10):
| 8 |
Inquiries last 6m:
| 0 | Employment status: | Full-time employee |
Enhanced (1-5): | 5 |
Current / open credit lines:
| 11
/
10 | Length of status: | 13y 8m |
Credit score:
| 680-699 (May-2010) |
Total credit lines:
| 33 |
Occupation: | Flight Attendant |
Now delinquent:
| 1 |
Revolving credit balance:
| $10,068 | Stated income: | $75,000-$99,999 |
Amount delinquent:
| $447 |
Bankcard utilization:
| 76% | | |
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| No | | |
Delinquencies in last 7y:
| 0 | | | | |
Screen name:
| principal-watcher |
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
My Loan
Purpose of loan:
This loan will be used to consolidate 2 previous debts
My financial situation:
I am a good candidate for this loan because I have a stable income and low debt.
Monthly net income: $ 7,500
Monthly expenses: $
??Housing: $?1100
??Insurance: $ 112
??Car expenses: $ 238
??Utilities: $ 180
??Phone, cable, internet: $ 80
??Food, entertainment: $?1000
??Clothing, household expenses $ 500
??Credit cards and other loans: $ 1000
??Other expenses: $
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
462648
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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:
| HR |
Auction Duration:
| 7 days
|
Term:
| 36 months |
Estimated loss:
| 25.0% | | |
| | |
|
Starting lender yield:
| 28.00% |
Starting borrower rate/APR:
| 29.00% / 32.05% |
Starting monthly payment:
| $54.48 |
|
Auction yield range:
| 16.98% - 28.00% |
Estimated loss impact:
| 26.63% | | |
Lender servicing fee:
| 1.00% |
Estimated return:
| 1.37% | | |
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper scores:
| |
First credit line:
| Sep-1997 |
Debt/Income ratio:
| Not calculated |
Basic (1-10):
| 3 |
Inquiries last 6m:
| 1 | Employment status: | Not employed |
Enhanced (1-5): | 1 |
Current / open credit lines:
| 6
/
6 | Length of status: | 0y 2m |
Credit score:
| 640-659 (Jun-2010) |
Total credit lines:
| 54 | Stated income: | Not employed |
Now delinquent:
| 1 |
Revolving credit balance:
| $0 | |
Amount delinquent:
| $785 |
Bankcard utilization:
| 0% | | |
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| No | | |
Delinquencies in last 7y:
| 3 | | | | |
Screen name:
| moola-course |
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
Temporary Bridge Financing
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
462660
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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:
| Oct-2004 |
Debt/Income ratio:
| 13% |
Basic (1-10):
| 5 |
Inquiries last 6m:
| 0 | Employment status: | Part-time employee |
Enhanced (1-5): | 4 |
Current / open credit lines:
| 0
/
0 | Length of status: | 0y 3m |
Credit score:
| 660-679 (May-2010) |
Total credit lines:
| 3 |
Occupation: | Other |
Now delinquent:
| 0 |
Revolving credit balance:
| $0 | Stated income: | $1-$24,999 |
Amount delinquent:
| $0 |
Bankcard utilization:
| 0% | | |
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| No | | |
Delinquencies in last 7y:
| 0 | | | | |
Screen name:
| restless-trade0 |
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
cast a rope to climb out of my debt
Purpose of loan:
I'm behind on cell phone, my insurance is late, I have cash advances out from two locations and I need to move into a new apartment. With the loan I can catch up on all of my bills, pay the cash advances off for good and have a place to live next week. I can consolidate it all together and pay it off as I go hopefully paying it off long before it is due. It would make everything on track, far simpler and I would be grateful if you would like to help me!
My financial situation:
I ended up so far behind due to fate and bad timing. In February the movie theater I was working for unexpectedly closed due to extensive rain damage. Luckily That day I was offered a new job and though it's a bit far, I had a reliable car to take me there. A week later my engine seized. At a point when I was transitioning from one job to another, which resulted in a pay and hour cut, I had to use all of my saved money and take out cash advances to be able to afford a new engine and my rental car expense.I am a good candidate for this loan because although I'm behind right now I have steady work and I'm already interviewing for a second job. The loan I'm looking for is of a reasonable size and the monthly payments are well within my ability to pay. I just need to resolve my current financial situation and I will be well on the way to recovery.
Monthly net income: $ 1,100
Monthly expenses: $ 900
??Housing: $ 450
??Insurance: $
??Car expenses: $ 300
??Utilities: $ 50
??Phone, cable, internet: $ 50
??Food, entertainment: $
??Clothing, household expenses $ 20
??Credit cards and other loans: $
??Other expenses: $ 30
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
462678
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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:
| C |
Auction Duration:
| 7 days
|
Term:
| 36 months |
Estimated loss:
| 8.0% | | |
| | |
|
Starting lender yield:
| 21.55% |
Starting borrower rate/APR:
| 22.55% / 24.82% |
Starting monthly payment:
| $188.53 |
|
Auction yield range:
| 7.98% - 21.55% |
Estimated loss impact:
| 8.51% | | |
Lender servicing fee:
| 1.00% |
Estimated return:
| 13.04% | | |
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper scores:
| |
First credit line:
| Dec-1987 |
Debt/Income ratio:
| 10% |
Basic (1-10):
| 8 |
Inquiries last 6m:
| 1 | Employment status: | Full-time employee |
Enhanced (1-5): | 5 |
Current / open credit lines:
| 4
/
4 | Length of status: | 19y 9m |
Credit score:
| 700-719 (Jun-2010) |
Total credit lines:
| 18 |
Occupation: | Social Worker |
Now delinquent:
| 0 |
Revolving credit balance:
| $5,672 | Stated income: | $50,000-$74,999 |
Amount delinquent:
| $0 |
Bankcard utilization:
| 56% | | |
Public records last 12m / 10y:
| 0/ 1 |
Homeownership:
| No | | |
Delinquencies in last 7y:
| 3 | | | | |
Screen name:
| tender-benefit2 |
Borrower's state:
| NewYork |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Description
My loan for debt consolidation
Purpose of loan:
I need the loan:
To pay off my credit cards so that I can raise my credit score and buy a house within the near future.
My financial situation:
I am a good candidate for this loan because I pay all bills on time and have a decent?income with low expenses. I been on my Job with the?Human Resource Administration for the City of New York for over 20 years. I have a 401k and money inside my pension funds.
Monthly net income: $
3900
Monthly expenses: $
??Housing: $700
Insurance: $ 125
??Car expenses: $
??Utilities: $ 100
??Phone, cable, internet: $ 100
??Food, entertainment: $?200
??Clothing, household expenses $?200
??Credit cards and other loans: $ 300
??Other expenses: $
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
462684
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount:
| $15,000.00 |
Prosper Rating:
| C |
Auction Duration:
| 7 days
|
Term:
| 36 months |
Estimated loss:
| 7.0% | | |
| | |
|
Starting lender yield:
| 23.55% |
Starting borrower rate/APR:
| 24.55% / 26.85% |
Starting monthly payment:
| $592.83 |
|
Auction yield range:
| 7.98% - 23.55% |
Estimated loss impact:
| 7.56% | | |
Lender servicing fee:
| 1.00% |
Estimated return:
| 15.99% | | |
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-1996 |
Debt/Income ratio:
| 22% |
Basic (1-10):
| 6 |
Inquiries last 6m:
| 1 | Employment status: | Full-time employee |
Enhanced (1-5): | 5 |
Current / open credit lines:
| 7
/
7 | Length of status: | 3y 10m |
Credit score:
| 780-799 (May-2010) |
Total credit lines:
| 30 |
Occupation: | Tradesman - Electri... |
Now delinquent:
| 0 |
Revolving credit balance:
| $6,155 | Stated income: | $25,000-$49,999 |
Amount delinquent:
| $0 |
Bankcard utilization:
| 11% | | |
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| Yes | | |
Delinquencies in last 7y:
| 0 | | | | |
Screen name:
| systematic-trade1 |
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
Business Start Up
Purpose of loan:
This loan will be used to? Purchase and Rehabilitate properties in order to assist neighborhoods increase their income potential and property value.
My financial situation:
I am a good candidate for this loan because? I have made the necessary choices to educate myself regarding real estate over the last 3 years to prepare myself for the purchase, rehabilitation and sale of properties in our area.? I have been a licensed electrician for over 15 years and have experience in rehabilitating homes from a professional and personal standing.? I have the ability and integrity to do a job correctly so the new homeowner will have confidence in the reliability of properties purchased from me.? If a property is not purchased in a timely manner after all rehabilitation efforts are completed, we have the ability to rent the property for a reasonable amount until an end buyer is located (or we can keep the property ourselves for an additional?monthly income).?
Monthly net income: $ 3795
Monthly expenses: $ 1435
??Housing: $ 600
??Insurance: $?75
??Car expenses: $?140
??Utilities: $?150
??Phone, cable, internet: $ 70
??Food, entertainment: $ 200
??Clothing, household expenses $
??Credit cards and other loans: $ 200
??Other expenses: $
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
462702
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount:
| $2,750.00 |
Prosper Rating:
| B |
Auction Duration:
| 7 days
|
Term:
| 36 months |
Estimated loss:
| 5.0% | | |
| | |
|
Starting lender yield:
| 12.98% |
Starting borrower rate/APR:
| 13.98% / 16.14% |
Starting monthly payment:
| $93.96 |
|
Auction yield range:
| 5.98% - 12.98% |
Estimated loss impact:
| 5.22% | | |
Lender servicing fee:
| 1.00% |
Estimated return:
| 7.76% | | |
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-2007 |
Debt/Income ratio:
| 77% |
Basic (1-10):
| 8 |
Inquiries last 6m:
| 0 | Employment status: | Part-time employee |
Enhanced (1-5): | 2 |
Current / open credit lines:
| 2
/
2 | Length of status: | 4y 10m |
Credit score:
| 740-759 (Jun-2010) |
Total credit lines:
| 8 |
Occupation: | Sales - Retail |
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:
| green-elevated-auction |
Borrower's state:
| Michigan |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Description
Medical School Applications
Purpose of loan:
This loan will be used to fun my medical school applications. I am entering my senior year in college and need extra money to fund the medical school applications and traveling costs for interviews.
My financial situation:
I am a good candidate for this loan because my credit score is actually pretty high. I do additional lines of credit and would take out more student loans, except student loans cannot be used for outside expenses (such as application fees) and additionally I have already filled out FAFSA and taken as much out in government loans as I can. I am planning on going to medical school and based on my GPA and activities, I do have a very good shot at making it. I just need help with funding the process. Unfortunately, I am also the youngest of five children, and my parents have already taken out their fair portion of loans to put the rest of my siblings through college, and so I need the additional funds to help.
Monthly net income: $
My monthly net income varies. I work at Gap when I am home for summers and also am an RA at school. I live with my parents and they will be additionally helping me to pay the loan.
Monthly expenses: $ 150
??Housing: $
0
??Insurance: $
0
??Car expenses: $
0
??Utilities: $
0
??Phone, cable, internet: $
50
??Food, entertainment: $
0
??Clothing, household expenses $ 50
??Credit cards and other loans: $ 50
??Other expenses: $
0
Information in the Description is not verified.