Listing Report:Supplement No. 273 dated Jun 25, 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
430104
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount:
| $7,649.00 |
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:
| $276.45 |
|
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:
| Nov-1988 |
Debt/Income ratio:
| 22% |
Basic (1-10):
| 4 |
Inquiries last 6m:
| 1 | Employment status: | Full-time employee |
Enhanced (1-5): | 3 |
Current / open credit lines:
| 6
/
3 | Length of status: | 3y 9m |
Credit score:
| 700-719 (Jun-2010) |
Total credit lines:
| 15 |
Occupation: | Retail Management |
Now delinquent:
| 0 |
Revolving credit balance:
| $4,464 | Stated income: | $75,000-$99,999 |
Amount delinquent:
| $0 |
Bankcard utilization:
| 99% | | |
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| Yes | | |
Delinquencies in last 7y:
| 0 | | | | |
Screen name:
| dig-n-out |
Borrower's state:
| Michigan |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan history | Payment history | Credit score history |
Active / total loans:
| 0 / 1 |
On-time:
| 21 ( 100% )
| 700-719 (Latest)
|
Principal borrowed:
| $9,000.00 | < 31 days late:
| 0
( 0% )
| 720-739
(May-2008)
|
Principal balance:
| $0.00 |
31+ days late:
| 0
( 0% )
|
Total payments billed:
| 21 | | |
Description
Paying off my credit cards
Purpose of loan:
This loan will be used to pay off my highest credit card.?
Purpose of loan:This loan will be used to pay off my credit cards.?My financial situation:We are a good candidate for this loan because we always pay our bills.?? The plan is to pay off the credit cards so my husband can?can earn a degree, at this point the only thing holding him back is a degree.??? His job prior to this one was eliminated when the company closed all the stores in Michigan.?Here is?our budget: Combined
Monthly Income? $4600 Net (Husband and I)
Mortgage???????????????????????????????????????????????$1400
Credit? Card #1????????????????????????????????????????$100 (used for overdraft protection will keep this one)
Credit Card #2??????????????????????????????????????????$174 (to be paid off with this loan request)
Credit Card#3???????????????????????????????????????????$241 (closed acct on hardship prog of 6% flat for 5 yrs I think this is the cause of credit score lowered)
Utilities???????????? ?????????????????????? ??????????? $391 (Gas, Elec, Water)
Cable/Phone/Internet??????????????????????????????? $115
Car Payment???????????????????????????????????????????$330
Insurance???????????????????????????????????????????????$211
Cell phone??????????????????????????????????????????????$120
Since you see additional cards?in the list,? we will be back?if this works.?(And never use a credit card again.? Yes!)
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
457030
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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:
| A |
Auction Duration:
| 7 days
|
Term:
| 36 months |
Estimated loss:
| 2.1% | | |
| | |
|
Starting lender yield:
| 10.20% |
Starting borrower rate/APR:
| 11.20% / 13.32% |
Starting monthly payment:
| $492.50 |
|
Auction yield range:
| 3.98% - 10.20% |
Estimated loss impact:
| 2.13% | | |
Lender servicing fee:
| 1.00% |
Estimated return:
| 8.07% | | |
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper scores:
| |
First credit line:
| Aug-1987 |
Debt/Income ratio:
| 21% |
Basic (1-10):
| 8 |
Inquiries last 6m:
| 0 | Employment status: | Full-time employee |
Enhanced (1-5): | 5 |
Current / open credit lines:
| 19
/
17 | Length of status: | 8y 0m |
Credit score:
| 760-779 (Jun-2010) |
Total credit lines:
| 38 |
Occupation: | Other |
Now delinquent:
| 0 |
Revolving credit balance:
| $30,475 | 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:
| bonus-flan |
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
My loan for debt consolidation
This borrower was not required to write a description based on the listing's likelihood to fund.
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
462820
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount:
| $3,500.00 |
Prosper Rating:
| HR |
Auction Duration:
| 7 days
|
Term:
| 36 months |
Estimated loss:
| 25.0% | | |
| | |
|
Starting lender yield:
| 34.00% |
Starting borrower rate/APR:
| 35.00% / 37.45% |
Starting monthly payment:
| $158.33 |
|
Auction yield range:
| 16.98% - 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-2007 |
Debt/Income ratio:
| 26% |
Basic (1-10):
| 2 |
Inquiries last 6m:
| 5 | Employment status: | Full-time employee |
Enhanced (1-5): | 1 |
Current / open credit lines:
| 10
/
6 | Length of status: | 2y 9m |
Credit score:
| 640-659 (Jun-2010) |
Total credit lines:
| 12 |
Occupation: | Administrative Assi... |
Now delinquent:
| 0 |
Revolving credit balance:
| $1,971 | Stated income: | $1-$24,999 |
Amount delinquent:
| $0 |
Bankcard utilization:
| 45% | | |
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| No | | |
Delinquencies in last 7y:
| 0 | | | | |
Screen name:
| sprout187 |
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 for debt consolidation
Purpose of loan:
This loan will be used to pay off my credit card bills.
My financial situation:
I am a good candidate for this because?
Monthly net income: $
Monthly expenses: $
??Housing: $ 0
??Insurance: $ 76.00
??Car expenses: $?
??Utilities: $
??Phone, cable, internet: $ 117.00
??Food, entertainment: $
??Clothing, household expenses $
??Credit cards and other loans: $ 3000
??Other expenses: $
300.00
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
462946
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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-1999 |
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:
| 4
/
4 | Length of status: | 0y 9m |
Credit score:
| 700-719 (Jun-2010) |
Total credit lines:
| 14 |
Occupation: | Professional |
Now delinquent:
| 0 |
Revolving credit balance:
| $15,107 | Stated income: | $25,000-$49,999 |
Amount delinquent:
| $0 |
Bankcard utilization:
| 76% | | |
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| No | | |
Delinquencies in last 7y:
| 0 | | | | |
Screen name:
| first-compassion-safehouse |
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
Consolidate with lil extra for baby
Purpose of loan:
My husband is a teacher and football coach at a local high school and does not get paid for the month of July.? We have been saving all year with a Summer savings account, but with our first baby due July 8th, we don't want to use all of our cash reserves just in case!? This loan will be used to?finish?paying off a small loan with a $125/month payment, and the extra will be used as a baby cushion until his pay starts back up in August.
My financial situation:
I am a great candidate for this loan because I have always paid my bills on time, and?have a 700+ FICO.? We used a CC to add some things to our first house (i.e. furniture, nice blinds, fence in back yard, etc) which will be paid off when we finally receive our first time home buyer's credit!? Once we received the credit and pay off 1 cc, my husband and I will have our mortgage, one car payment (mine is paid off) and one cc payment as our only monthly obligations outside or your normal bills (gas, electric, insurance, etc).
Monthly net income: $ 5000
Monthly expenses: $
??Housing: $ 950
??Insurance: $ 100
??Car expenses: $ 330
??Utilities: $ 125
??Phone, cable, internet: $ 100
??Food, entertainment: $ 500
??Clothing, household expenses $ 250
??Credit cards and other loans: $?200
??Other expenses: $ varies
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
462966
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount:
| $16,500.00 |
Prosper Rating:
| HR |
Auction Duration:
| 7 days
|
Term:
| 36 months |
Estimated loss:
| 25.0% | | |
| | |
|
Starting lender yield:
| 34.00% |
Starting borrower rate/APR:
| 35.00% / 37.45% |
Starting monthly payment:
| $746.39 |
|
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:
| Apr-1987 |
Debt/Income ratio:
| 201% |
Basic (1-10):
| 2 |
Inquiries last 6m:
| 1 | Employment status: | Retired |
Enhanced (1-5): | 1 |
Current / open credit lines:
| 15
/
16 | Length of status: | 2y 3m |
Credit score:
| 660-679 (Jun-2010) |
Total credit lines:
| 33 | Stated income: | $1-$24,999 |
Now delinquent:
| 1 |
Revolving credit balance:
| $37,827 | |
Amount delinquent:
| $28 |
Bankcard utilization:
| 58% | | |
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| No | | |
Delinquencies in last 7y:
| 0 | | | | |
Screen name:
| forceful-compassion3 |
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
Business equipment
This loan will be used to start up a vending business.??
I am a good candidate for this loan because my total debt is now $15,000 due to recent payments made on my credit card accounts. This should improve my bankcard utilization?to 18%.? This should also improve my credit score and debt to income ratio.
I have no mortgage or car payment and the other house hold expenses are not paid out of my income.?
I do own my home.??
The amount you show as delinquent ($28) was paid on May 28, 2010 and in addition on June 17, 2010 another payment of $19 was made on this account.
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
463444
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount:
| $3,500.00 |
Prosper Rating:
| A |
Auction Duration:
| 7 days
|
Term:
| 36 months |
Estimated loss:
| 2.1% | | |
| | |
|
Starting lender yield:
| 8.20% |
Starting borrower rate/APR:
| 9.20% / 11.30% |
Starting monthly payment:
| $111.63 |
|
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-2004 |
Debt/Income ratio:
| 27% |
Basic (1-10):
| 9 |
Inquiries last 6m:
| 2 | Employment status: | Full-time employee |
Enhanced (1-5): | 5 |
Current / open credit lines:
| 11
/
10 | Length of status: | 3y 4m |
Credit score:
| 720-739 (Jun-2010) |
Total credit lines:
| 17 |
Occupation: | Construction |
Now delinquent:
| 0 |
Revolving credit balance:
| $9,342 | Stated income: | $50,000-$74,999 |
Amount delinquent:
| $0 |
Bankcard utilization:
| 43% | | |
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| Yes | | |
Delinquencies in last 7y:
| 0 | | | | |
Screen name:
| dollar-raccoon |
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
Graduate School (MBA) & LEED Loan
In an effort to further my education, I am seeking a?loan that will fund the following: Kaplan GMAT preparation courses, GMAT exam fees, MBA application fees, LEED (Leadership in Energy and Environmental Design) study courses, and LEED exam testing fees for LEED accreditation.
I am 25 years old and graduated from college in 2008. I have been working full-time for 3-1/2 years in the commercial construction industry (which is booming in Houston, TX). I currently make over $70,000/year. The majority of my savings is in my 401(k) and I do not plan on utilizing those funds until retirement.
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
463520
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount:
| $25,000.00 |
Prosper Rating:
| C |
Auction Duration:
| 7 days
|
Term:
| 36 months |
Estimated loss:
| 8.5% | | |
| | |
|
Starting lender yield:
| 24.56% |
Starting borrower rate/APR:
| 25.56% / 27.87% |
Starting monthly payment:
| $1,001.42 |
|
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:
| Dec-1993 |
Debt/Income ratio:
| 47% |
Basic (1-10):
| 4 |
Inquiries last 6m:
| 0 | Employment status: | Full-time employee |
Enhanced (1-5): | 5 |
Current / open credit lines:
| 4
/
4 | Length of status: | 11y 0m |
Credit score:
| 780-799 (Jun-2010) |
Total credit lines:
| 10 |
Occupation: | Food Service |
Now delinquent:
| 1 |
Revolving credit balance:
| $11,472 | Stated income: | $25,000-$49,999 |
Amount delinquent:
| $512 |
Bankcard utilization:
| 31% | | |
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| Yes | | |
Delinquencies in last 7y:
| 0 | | | | |
Screen name:
| penny-bandit0 |
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
Funding Needed for Daycare Center
Purpose of loan:
This loan will be used to?
Description:Newly established, full service childcare facility is seeking additional capital less than $25,000 to assist in tenant improvement fees and start-up costs. We have secured a location. Lease payments are being made monthly, employees have been hired and await training, supplies are ready to be purchased and parents are anticipating opening day. Our target market is waiting to be tapped.They?ve told us what was needed, when they need it and how they want it. We?re ready to deliver! This business will create several jobs, help the local economy and provide a much needed service?on the?Chicago Northside. We have a business plan and we can provide additional information when contacted. If you're in the Chicago area, we can show you the location.Thank you for your time and interest!
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
463580
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount:
| $14,900.00 |
Prosper Rating:
| AA |
Auction Duration:
| 7 days
|
Term:
| 36 months |
Estimated loss:
| 1.5% | | |
| | |
|
Starting lender yield:
| 8.30% |
Starting borrower rate/APR:
| 9.30% / 9.64% |
Starting monthly payment:
| $475.90 |
|
Auction yield range:
| 2.98% - 8.30% |
Estimated loss impact:
| 1.50% | | |
Lender servicing fee:
| 1.00% |
Estimated return:
| 6.80% | | |
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments 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-1981 |
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:
| 9
/
7 | Length of status: | 15y 3m |
Credit score:
| 840-859 (Jun-2010) |
Total credit lines:
| 23 |
Occupation: | Doctor |
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:
| 0 | | | | |
Screen name:
| safe-durability |
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
I promise to pay back
I recently opened a Pediatric
Clinic and need a loan to purchase the following equipments for my Clinic.1.CID 1000 for x-rays,
price: $2930.00 2.Pediatric table, price: $895.00? 3.Atlas with ECG; vital signs monitor, cost price:
$4399.00 4.Self contained steam sterilizer, cost price:
$1,800.00 5.Digital baby scale: $159.00 6.Air shields C550 baby incubator,
cost price: $2850.00 7.Disposables, cost price: $1500.00My financial situation:I am still making money from my medical practice, I will have no problem paying back
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
463604
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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:
| 13.98% |
Starting borrower rate/APR:
| 14.98% / 17.15% |
Starting monthly payment:
| $173.28 |
|
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:
| Apr-1996 |
Debt/Income ratio:
| 22% |
Basic (1-10):
| 6 |
Inquiries last 6m:
| 0 | Employment status: | Full-time employee |
Enhanced (1-5): | 4 |
Current / open credit lines:
| 5
/
4 | Length of status: | 7y 7m |
Credit score:
| 640-659 (Jun-2010) |
Total credit lines:
| 22 |
Occupation: | Truck Driver |
Now delinquent:
| 1 |
Revolving credit balance:
| $3,573 | Stated income: | $25,000-$49,999 |
Amount delinquent:
| $861 |
Bankcard utilization:
| 33% | | |
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| No | | |
Delinquencies in last 7y:
| 0 | | | | |
Screen name:
| integrity-enthusiast |
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
Selling my $328 car/buying a beater
Purpose of loan:
This loan will be used to sell our 2009 car (we are slightly up side down) that we pay $328 per month for.? We want to purchase a used car in the $3000.00 (Toyota) range.?
My financial situation:
I am a good candidate for this loan because I have a steady job and I pay my bills.? I am willing to pay 14% but would not accept a 35% loan under any circumstances.? We are hoping to lower our expenses each month for vehicles and vehicle insurance.
Monthly net income: $
5100
Monthly expenses: $
$2800.00
??Housing: $
400.00
??Insurance: $
126.00
??Car expenses: $
588.00
??Utilities: $ 300.00
??Phone, cable, internet: $
100.00
??Food, entertainment: $
800.00
??Clothing, household expenses $
200.00
??Credit cards and other loans: $ 150.00
??Other expenses: $
300.00
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
463796
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount:
| $8,900.00 |
Prosper Rating:
| HR |
Auction Duration:
| 7 days
|
Term:
| 36 months |
Estimated loss:
| 25.0% | | |
| | |
|
Starting lender yield:
| 28.00% |
Starting borrower rate/APR:
| 29.00% / 31.36% |
Starting monthly payment:
| $372.96 |
|
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:
| Dec-2000 |
Debt/Income ratio:
| 40% |
Basic (1-10):
| 3 |
Inquiries last 6m:
| 1 | Employment status: | Full-time employee |
Enhanced (1-5): | 3 |
Current / open credit lines:
| 15
/
9 | Length of status: | 0y 9m |
Credit score:
| 620-639 (Jun-2010) |
Total credit lines:
| 37 |
Occupation: | Teacher |
Now delinquent:
| 0 |
Revolving credit balance:
| $2,573 | 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:
| ahovaki |
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:
| 27 ( 100% )
| 620-639 (Latest)
|
Principal borrowed:
| $8,000.00 | < 31 days late:
| 0
( 0% )
| 660-679
(May-2010)
640-659
(Apr-2010)
600-619
(Feb-2008)
580-599
(Jan-2008)
|
Principal balance:
| $2,362.89 |
31+ days late:
| 0
( 0% )
|
Total payments billed:
| 27 | | |
Description
2nd Prosper Loan - Want Out of Debt
PURPOSE OF LOAN: Consolidation of credit card debt. I want to
use this loan to pay off my current credit card debt and pay on only my
Prosper Loans. My plan is to rebuild my credit, credit score, and
eliminate my credit card debt so that I can start saving for my future.
My financial situation:
In April of 2009, I lost my job working in recruiting at a Chicago law
firm.? Due to my unemployment, I had to rely on credit to help support
myself.? In September 2009, I was hired as a math teacher at a Chicago
School.? So I am currently employed, teaching high school students.? My
position is stable and I am more than excited to be putting my degree
to use!? I graduated in 2006 from Loyola University Chicago with
degrees in Secondary Education and Math Ed.?I am asking for this loan
in order to pay off all of my credit card debt which I have
accumulated.
This will be my second Prosper loan. My first being paid off by March 2011. Check out my payment history....it's good :)
My long term goal is to be able to start saving my money and plan for the future, like buying my own condo.
If this Prosper loan is funded, my monthly expenses will be reduced by $300 (this coming from the $400 monthly Prosper payments vs. $700 credit card payments). Also, by early next year, my first Prosper loan will be paid off. This will add to my potential savings.
Please help make this happen!!
Thank you for your time and consideration :)
FINANCES:
Monthly income (after taxes): approx. $3,000
Monthly expenses: approx $ 2,800
Housing: $800
Prosper Loan: $280
Utilities: $ 100
Phone, cable, internet: $ 150
Food, entertainment: $ 500
Clothing, household expenses $ 300
Current credit cards: $ 700
I WILL ENROLL IN AUTO PAYMENT AS SOON AS MY ACCOUNT IS VERIFIED BY PROSPER!
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
463804
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount:
| $1,900.00 |
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:
| $60.60 |
|
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-1978 |
Debt/Income ratio:
| 9% |
Basic (1-10):
| 9 |
Inquiries last 6m:
| 0 | Employment status: | Full-time employee |
Enhanced (1-5): | 5 |
Current / open credit lines:
| 4
/
4 | Length of status: | 0y 10m |
Credit score:
| 720-739 (Jun-2010) |
Total credit lines:
| 20 |
Occupation: | Sales - Commission |
Now delinquent:
| 0 |
Revolving credit balance:
| $828 | Stated income: | $50,000-$74,999 |
Amount delinquent:
| $0 |
Bankcard utilization:
| 82% | | |
Public records last 12m / 10y:
| 0/ 1 |
Homeownership:
| Yes | | |
Delinquencies in last 7y:
| 0 | | | | |
Screen name:
| aggresive-peace6 |
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
Need some short term cash
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
463808
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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:
| 14.7% | | |
| | |
|
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:
| 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:
| Sep-2000 |
Debt/Income ratio:
| 40% |
Basic (1-10):
| 8 |
Inquiries last 6m:
| 0 | Employment status: | Full-time employee |
Enhanced (1-5): | 5 |
Current / open credit lines:
| 15
/
11 | Length of status: | 3y 9m |
Credit score:
| 620-639 (Jun-2010) |
Total credit lines:
| 30 |
Occupation: | Sales - Retail |
Now delinquent:
| 0 |
Revolving credit balance:
| $9,998 | Stated income: | $25,000-$49,999 |
Amount delinquent:
| $0 |
Bankcard utilization:
| 51% | | |
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| No | | |
Delinquencies in last 7y:
| 0 | | | | |
Screen name:
| michael81 |
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 ( 92% )
| 620-639 (Latest)
|
Principal borrowed:
| $7,000.00 | < 31 days late:
| 1
( 4% )
| 640-659
(May-2008)
|
Principal balance:
| $2,580.81 |
31+ days late:
| 1
( 4% )
|
Total payments billed:
| 24 | | |
Description
Business Funding
Purpose of loan:
To funding a new business?
My financial situation:
I am a good candidate for this loan I always make my payments ontime.
Monthly net income: $ 2200
Monthly expenses: $ 750
??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
463814
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount:
| $4,250.00 |
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:
| $131.42 |
|
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:
| Apr-1988 |
Debt/Income ratio:
| 10% |
Basic (1-10):
| 10 |
Inquiries last 6m:
| 1 | Employment status: | Full-time employee |
Enhanced (1-5): | 5 |
Current / open credit lines:
| 5
/
5 | Length of status: | 2y 5m |
Credit score:
| 860-879 (Jun-2010) |
Total credit lines:
| 19 |
Occupation: | Executive |
Now delinquent:
| 0 |
Revolving credit balance:
| $15,461 | Stated income: | $100,000+ |
Amount delinquent:
| $0 |
Bankcard utilization:
| 18% | | |
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| Yes | | |
Delinquencies in last 7y:
| 0 | | | | |
Screen name:
| Ranger5 |
Borrower's state:
| Arizona |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan history | Payment history | Credit score history |
Active / total loans:
| 0 / 1 |
On-time:
| 4 ( 100% )
| 860-879 (Latest)
|
Principal borrowed:
| $1,000.00 | < 31 days late:
| 0
( 0% )
| 800-819
(May-2010)
820-839
(Sep-2007)
|
Principal balance:
| $0.00 |
31+ days late:
| 0
( 0% )
|
Total payments billed:
| 4 | | |
Description
Painting and other projects
Purpose of loan:
This loan will be used to?
My appollogies to the folks that bid on my first loan.? I had my mail forwarded to the new house and the verification of my address process never completed.? I was advised to relist under my new address.
I bought a new house and would like to have the exterior walls repaired, cleaned and painted.? I would also like to add some exterior lighting features and garage door openers.?
My financial situation:
I am a good candidate for this loan because?
I work for a financial institution, and have been in this business for more than 20 years.? I understand the value of a good credit rating and what it means to my career to maintain a superior credit rating.? I pay my debts and I pay them on time.
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
463820
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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:
| Jul-1997 |
Debt/Income ratio:
| 33% |
Basic (1-10):
| 9 |
Inquiries last 6m:
| 1 | Employment status: | Full-time employee |
Enhanced (1-5): | 4 |
Current / open credit lines:
| 13
/
10 | Length of status: | 3y 6m |
Credit score:
| 720-739 (Jun-2010) |
Total credit lines:
| 27 |
Occupation: | Other |
Now delinquent:
| 0 |
Revolving credit balance:
| $21,147 | Stated income: | $50,000-$74,999 |
Amount delinquent:
| $0 |
Bankcard utilization:
| 44% | | |
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| Yes | | |
Delinquencies in last 7y:
| 0 | | | | |
Screen name:
| punctual-repayments |
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:
| 8 ( 100% )
| 720-739 (Latest)
|
Principal borrowed:
| $2,500.00 | < 31 days late:
| 0
( 0% )
| 720-739
(Apr-2010)
740-759
(Oct-2009)
|
Principal balance:
| $1,989.89 |
31+ days late:
| 0
( 0% )
|
Total payments billed:
| 8 | | |
Description
Refinancing a Closed Citi Account
Purpose of loan:
This loan will be used to refinance a?CLOSED?Citi line of credit.??I am making?monthly payments?of $300 dollars on this account.? By securing this loan, I can lower the payments to less than?$200 dollars per month.? Furthermore, I would prefer?that private investers get the interest rather than Citi.? ?
My financial situation:
I am a good candidate for this loan because as evidenced by Prosper rating and my performance on my existing Prosper loan, there is no risk associated with funding this loan.? I am never late on my bills.
Thank you for reading my listing.
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
463832
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount:
| $14,750.00 |
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:
| $667.23 |
|
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-2003 |
Debt/Income ratio:
| 17% |
Basic (1-10):
| 2 |
Inquiries last 6m:
| 1 | Employment status: | Full-time employee |
Enhanced (1-5): | 5 |
Current / open credit lines:
| 11
/
10 | Length of status: | 0y 8m |
Credit score:
| 640-659 (Jun-2010) |
Total credit lines:
| 19 |
Occupation: | Computer Programmer |
Now delinquent:
| 1 |
Revolving credit balance:
| $1,637 | Stated income: | $75,000-$99,999 |
Amount delinquent:
| $1,183 |
Bankcard utilization:
| 38% | | |
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| No | | |
Delinquencies in last 7y:
| 0 | | | | |
Screen name:
| hugo137 |
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
Further education
Purpose of loan:
This loan will be used to pay for post graduate studies.
My financial situation:
I am a good candidate for this loan because I take my loan and credit card payment seriously and never default in those.
Monthly net income: $?4900
Monthly expenses: $
??Housing: $
800
??Insurance: $
100
??Car expenses: $
352.12
??Utilities: $
80
??Phone, cable, internet: $
87
??Food, entertainment: $
300
??Clothing, household expenses $
105
??Credit cards and other loans: $
800
??Other expenses: $
90
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
463844
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount:
| $9,500.00 |
Prosper Rating:
| D |
Auction Duration:
| 7 days
|
Term:
| 36 months |
Estimated loss:
| 10.0% | | |
| | |
|
Starting lender yield:
| 26.38% |
Starting borrower rate/APR:
| 27.38% / 29.72% |
Starting monthly payment:
| $389.78 |
|
Auction yield range:
| 10.98% - 26.38% |
Estimated loss impact:
| 10.66% | | |
Lender servicing fee:
| 1.00% |
Estimated return:
| 15.72% | | |
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper scores:
| |
First credit line:
| Jun-1999 |
Debt/Income ratio:
| 17% |
Basic (1-10):
| 7 |
Inquiries last 6m:
| 0 | Employment status: | Full-time employee |
Enhanced (1-5): | 5 |
Current / open credit lines:
| 11
/
5 | Length of status: | 7y 11m |
Credit score:
| 700-719 (Jun-2010) |
Total credit lines:
| 25 |
Occupation: | Other |
Now delinquent:
| 0 |
Revolving credit balance:
| $2,443 | Stated income: | $50,000-$74,999 |
Amount delinquent:
| $0 |
Bankcard utilization:
| 10% | | |
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| No | | |
Delinquencies in last 7y:
| 0 | | | | |
Screen name:
| octosincity |
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:
| 22 ( 100% )
| 700-719 (Latest)
|
Principal borrowed:
| $3,000.00 | < 31 days late:
| 0
( 0% )
| 560-579
(Aug-2008)
560-579
(Jul-2008)
560-579
(May-2008)
540-559
(Apr-2008)
|
Principal balance:
| $1,107.78 |
31+ days late:
| 0
( 0% )
|
Total payments billed:
| 22 | | |
Description
Pay Debt and start online business
Purpose of loan:
This loan is going to be used to pay off debt and to start a new business venture. I need to clear off my credit card debt before I start my online business ventures.
My financial situation:
I am a good candidate for this loan because, I am a returning member of PROSPER and this is my 2nd loan that I need. I am almost done with the first loan from 2008, but now I need some more money to get things going. I have NEVER missed a payment, and I tend to get decent Christmas bonuses from my job that I can make a bigger payment in January. Also, the company that I work for hopefully will sell in the next year ? and I would be able to pay off my loan in full. Also, I have raised up my credit score about 140 points in the past 3 months. My goal is to get my Credit score to a 790.?
Monthly net income: $ 5775.00
Monthly expenses: $
??Housing: $ 700
??Insurance: $ 81
??Car expenses: $ 207
??Utilities: $
??Phone, cable, internet: $ 85
??Food, entertainment: $ 400
??Clothing, household expenses $ 40
??Credit cards and other loans: $ 1000
??Other expenses: $
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
463856
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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:
| Oct-1996 |
Debt/Income ratio:
| 18% |
Basic (1-10):
| 1 |
Inquiries last 6m:
| 7 | Employment status: | Full-time employee |
Enhanced (1-5): | 3 |
Current / open credit lines:
| 12
/
10 | Length of status: | 12y 11m |
Credit score:
| 680-699 (Jun-2010) |
Total credit lines:
| 54 |
Occupation: | Executive |
Now delinquent:
| 1 |
Revolving credit balance:
| $6,956 | Stated income: | $100,000+ |
Amount delinquent:
| $1,895 |
Bankcard utilization:
| 71% | | |
Public records last 12m / 10y:
| 0/ 1 |
Homeownership:
| Yes | | |
Delinquencies in last 7y:
| 19 | | | | |
Screen name:
| alluring-money0 |
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
Consolidating Misc Debts
Purpose of loan:
This loan will be used to consolidate and payoff my credit card debt within a 3 year term.
My financial situation:
We ran into financial difficulties last year after adopting our son through a private adoption agency and the fees nearly tripled due to some legal difficulties.This has now been resolved, but has negatively impacted my credit some, though my income has remained strong.I have stable employment of nearly 13 years (same employer from college to current), and definitely appreciate you giving strong consideration to assisting.Thank You.
Monthly net income: $ 7,300.00
Monthly expenses: $ 2000.00
??Housing: $ 1,400
??Insurance: $ 90
??Car expenses: $ 775
??Utilities: $ 115
??Phone, cable, internet: $ 120
??Food, entertainment: $ 375
??Clothing, household expenses $ 300
??Credit cards and other loans: $ 121
??Other expenses: $ 100
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
463862
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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:
| Mar-1998 |
Debt/Income ratio:
| 62% |
Basic (1-10):
| 5 |
Inquiries last 6m:
| 3 | Employment status: | Full-time employee |
Enhanced (1-5): | 1 |
Current / open credit lines:
| 10
/
7 | Length of status: | 6y 0m |
Credit score:
| 640-659 (Jun-2010) |
Total credit lines:
| 13 |
Occupation: | Professional |
Now delinquent:
| 0 |
Revolving credit balance:
| $4,432 | Stated income: | $25,000-$49,999 |
Amount delinquent:
| $0 |
Bankcard utilization:
| 98% | | |
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| No | | |
Delinquencies in last 7y:
| 0 | | | | |
Screen name:
| gallant-economy5 |
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
Auto Loan Repair
Purpose of loan:
This loan will be used to??fix my vehicle.?I really need a short-term loan with monthly payments.? I rely on my car (just like a majority of people) to get to work.? Any help would be greatly appreciated.
My financial situation:
I am a good candidate for this loan because? I have never defaulted on a loan and I can?definitiely make the monthly payment (plus, the payment will always be on time because it will be automatically deducted from my checking).?
Monthly net income: $ 2,200
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
463874
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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:
| Aug-1995 |
Debt/Income ratio:
| 25% |
Basic (1-10):
| 3 |
Inquiries last 6m:
| 3 | Employment status: | Full-time employee |
Enhanced (1-5): | 4 |
Current / open credit lines:
| 9
/
8 | Length of status: | 5y 0m |
Credit score:
| 660-679 (Jun-2010) |
Total credit lines:
| 46 |
Occupation: | Professional |
Now delinquent:
| 0 |
Revolving credit balance:
| $15,526 | Stated income: | $75,000-$99,999 |
Amount delinquent:
| $0 |
Bankcard utilization:
| 85% | | |
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| Yes | | |
Delinquencies in last 7y:
| 0 | | | | |
Screen name:
| rhightower4 |
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 / 3 |
On-time:
| 23 ( 100% )
| 660-679 (Latest)
|
Principal borrowed:
| $24,250.00 | < 31 days late:
| 0
( 0% )
| 740-759
(Mar-2010)
780-799
(Aug-2009)
640-659
(Nov-2007)
700-719
(Jan-2007)
|
Principal balance:
| $0.02 |
31+ days late:
| 0
( 0% )
|
Total payments billed:
| 23 | | |
Description
Paying off medical bills
Purpose of loan:
My wife had some unexpected medical bills that are not covered by our insurance.? I have self funded the bills, but this loan will help consolidate the bills.
My financial situation:
I am a good candidate for this loan because?
I am a commercial banker with a base salary of $85,000.? I have never had any credit issues and have never missed a payment on any financial obligation.
Monthly net income: $
$5100.00
Monthly expenses: $
??Housing: $
??Insurance: $
??Car expenses: $
??Utilities: $
??Phone, cable, internet: $
??Food, entertainment: $
??Clothing, household expenses $
??Credit cards and other loans: $
??Other expenses: $
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
463880
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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:
| 24.00% |
Starting borrower rate/APR:
| 25.00% / 27.31% |
Starting monthly payment:
| $198.80 |
|
Auction yield range:
| 13.98% - 24.00% |
Estimated loss impact:
| 15.08% | | |
Lender servicing fee:
| 1.00% |
Estimated return:
| 8.92% | | |
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper scores:
| |
First credit line:
| Nov-1991 |
Debt/Income ratio:
| 28% |
Basic (1-10):
| 6 |
Inquiries last 6m:
| 1 | Employment status: | Full-time employee |
Enhanced (1-5): | 4 |
Current / open credit lines:
| 12
/
11 | Length of status: | 16y 8m |
Credit score:
| 660-679 (Jun-2010) |
Total credit lines:
| 55 |
Occupation: | Laborer |
Now delinquent:
| 1 |
Revolving credit balance:
| $10,302 | Stated income: | $50,000-$74,999 |
Amount delinquent:
| $0 |
Bankcard utilization:
| 77% | | |
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| Yes | | |
Delinquencies in last 7y:
| 0 | | | | |
Screen name:
| ttaylo59 |
Borrower's state:
| Ohio |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan history | Payment history | Credit score history |
Active / total loans:
| 1 / 2 |
On-time:
| 15 ( 100% )
| 660-679 (Latest)
|
Principal borrowed:
| $5,500.00 | < 31 days late:
| 0
( 0% )
| 680-699
(Jul-2009)
620-639
(Aug-2008)
620-639
(Jul-2008)
620-639
(Jun-2008)
|
Principal balance:
| $2,399.67 |
31+ days late:
| 0
( 0% )
|
Total payments billed:
| 15 | | |
Description
3rd loan "student use" (never late)
Purpose of loan:
This loan will be used to help my daughter with paying for the rest of her nursing school classes for semester.and payoff current loan with prosper.
I also am looking for a good interest rate. We are working very hard to help her suceed in persuing her BS degree.
My financial situation:
I am a good candidate for this loan because I have had 2 prior loans through Prosper and I've never been late. I also keep current on all my bills. I'm very credit worthy. I don't know why I'm rated low with prosper.?
Monthly net income: $ 7000 including husbands income
Monthly expenses: $?I pay half
??Housing: $ 1265 with tax and insur
??Insurance: $ car 285
??Car expenses: $ 600
??Utilities: $ 400
??Phone, cable, internet: $ 200
??Food, entertainment: $ 300
??Clothing, household expenses $ 500
??Credit cards and other loans: $ 800
??Other expenses: $
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
463894
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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:
| Mar-1989 |
Debt/Income ratio:
| 34% |
Basic (1-10):
| 5 |
Inquiries last 6m:
| 2 | Employment status: | Full-time employee |
Enhanced (1-5): | 4 |
Current / open credit lines:
| 11
/
11 | Length of status: | 1y 4m |
Credit score:
| 660-679 (Jun-2010) |
Total credit lines:
| 17 |
Occupation: | Teacher |
Now delinquent:
| 0 |
Revolving credit balance:
| $10,246 | 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:
| green-successful-return |
Borrower's state:
| Texas |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Description
Need to pay off my credit cards
Purpose of loan:
Pay off credit cards.?
My financial situation:
I?have excellent credit and have never missed a payment. I am tired of paying the minimum payments on my credit cards. With this loan I will actually be saving over $300 dollars a month. It will free up my finances enough to make the loan payment and still have plenty left over to save.I have just recently graduated college and found a good solid career job making good money. I made some bad spending choices in college and plan to pay off that debt with this loan.
Monthly net income: $
2,800
Monthly expenses: $
??Housing: $ 0
??Insurance: $ 90
??Car expenses: $ 0
??Utilities: $ 0
??Phone, cable, internet: $ 60
??Food, entertainment: $ 100
??Clothing, household expenses $
??Credit cards and other loans: $ 350
??Other expenses: $
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
463898
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount:
| $4,000.00 |
Prosper Rating:
| HR |
Auction Duration:
| 7 days
|
Term:
| 36 months |
Estimated loss:
| 18.0% | | |
| | |
|
Starting lender yield:
| 34.00% |
Starting borrower rate/APR:
| 35.00% / 37.45% |
Starting monthly payment:
| $180.94 |
|
Auction yield range:
| 16.98% - 34.00% |
Estimated loss impact:
| 20.01% | | |
Lender servicing fee:
| 1.00% |
Estimated return:
| 13.99% | | |
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper scores:
| |
First credit line:
| Sep-1992 |
Debt/Income ratio:
| 22% |
Basic (1-10):
| 5 |
Inquiries last 6m:
| 2 | Employment status: | Full-time employee |
Enhanced (1-5): | 4 |
Current / open credit lines:
| 7
/
5 | Length of status: | 13y 4m |
Credit score:
| 720-739 (Jun-2010) |
Total credit lines:
| 19 |
Occupation: | Military Enlisted |
Now delinquent:
| 0 |
Revolving credit balance:
| $4,983 | Stated income: | $50,000-$74,999 |
Amount delinquent:
| $0 |
Bankcard utilization:
| 81% | | |
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| Yes | | |
Delinquencies in last 7y:
| 4 | | | | |
Screen name:
| tidy-income936 |
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
Need to fix my plumbing/electrical
Purpose of loan:
This loan will be used to? repair my shower/plumbing (it is leaking into the wall/floor).? Also, it will pay for an electrician to fix my electrical (some of my outdoor outlets are not working).? My house is reletively new and these repairs should be somewhat minor.
My financial situation:
I am a good candidate for this loan because? I am active duty Air Force.? My husband is also active duty and we are financially stable with a steady income.? I have been in the military for 13 years and plan to stay the entire 20 (or more).
Monthly net income: $ 4665.35
Monthly expenses: $ 2670.00
??Housing: $ 1397.00
??Insurance: $ 73.00
??Car expenses: $ 350.00
??Utilities: $?0 (paid by my husband)
??Phone, cable, internet: $ 0 (paid by my husband)
??Food, entertainment: $ 500.00
??Clothing, household expenses $?150.00
??Credit cards and other loans: $ 100.00
??Other expenses: $ 100.00 - 200.00
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
463906
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount:
| $1,500.00 |
Prosper Rating:
| E |
Auction Duration:
| 7 days
|
Term:
| 36 months |
Estimated loss:
| 14.0% | | |
| | |
|
Starting lender yield:
| 33.28% |
Starting borrower rate/APR:
| 34.28% / 37.00% |
Starting monthly payment:
| $67.24 |
|
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:
| Jul-1996 |
Debt/Income ratio:
| 26% |
Basic (1-10):
| 6 |
Inquiries last 6m:
| 1 | Employment status: | Full-time employee |
Enhanced (1-5): | 3 |
Current / open credit lines:
| 14
/
14 | Length of status: | 5y 1m |
Credit score:
| 640-659 (Jun-2010) |
Total credit lines:
| 18 |
Occupation: | Administrative Assi... |
Now delinquent:
| 0 |
Revolving credit balance:
| $2,700 | Stated income: | $25,000-$49,999 |
Amount delinquent:
| $0 |
Bankcard utilization:
| 98% | | |
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| No | | |
Delinquencies in last 7y:
| 0 | | | | |
Screen name:
| marketplace-anteater |
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
Registering a new car
Purpose of loan:
This loan will be used to register a new car.?
My financial situation:
I am a good candidate for this loan because I am hard working and dependable.
Monthly net income: $ 2,196
Monthly expenses: $
??Housing: $ 490.00
??Insurance: $ 72.00
??Car expenses: $ 298.00
??Utilities: $?111.00
??Phone, cable, internet: $138.00
??Food, entertainment: $ 100.00
??Clothing, household expenses $50.00
??Credit cards and other loans: $ 246.00
??Other expenses: $ 50.00
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
463912
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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:
| 21.00% |
Starting borrower rate/APR:
| 22.00% / 24.26% |
Starting monthly payment:
| $229.14 |
|
Auction yield range:
| 10.98% - 21.00% |
Estimated loss impact:
| 10.51% | | |
Lender servicing fee:
| 1.00% |
Estimated return:
| 10.49% | | |
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper scores:
| |
First credit line:
| Aug-1998 |
Debt/Income ratio:
| Not calculated |
Basic (1-10):
| 6 |
Inquiries last 6m:
| 1 | Employment status: | Part-time employee |
Enhanced (1-5): | 5 |
Current / open credit lines:
| 11
/
11 | Length of status: | 1y 10m |
Credit score:
| 720-739 (Jun-2010) |
Total credit lines:
| 11 |
Occupation: | Other |
Now delinquent:
| 0 |
Revolving credit balance:
| $10,162 | Stated income: | $1-$24,999 |
Amount delinquent:
| $0 |
Bankcard utilization:
| 27% | | |
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| No | | |
Delinquencies in last 7y:
| 0 | | | | |
Screen name:
| best-bill-shepherd |
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
Help A College Student Pay Loans
Purpose of loan:
This loan will be used to?Pay off credit cards.
My financial situation:
I am a good candidate for this loan because?My credit score has always been excellent (720 and above). I have two stable part time jobs, one of which I have worked at all through high school and college and will be promoted to a full time position upon completion of my degree in December 2010.
Monthly net income: $1250
Monthly expenses: $750
??Housing: $
??Insurance: $
??Car expenses: $
??Utilities: $
??Phone, cable, internet: $
??Food, entertainment: $
??Clothing, household expenses $
??Credit cards and other loans: $500
??Other expenses: $250
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
463936
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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:
| 19.00% |
Starting borrower rate/APR:
| 20.00% / 22.24% |
Starting monthly payment:
| $241.56 |
|
Auction yield range:
| 16.98% - 19.00% |
Estimated loss impact:
| 19.06% | | |
Lender servicing fee:
| 1.00% |
Estimated return:
| -0.06% | | |
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper scores:
| |
First credit line:
| Oct-1999 |
Debt/Income ratio:
| 20% |
Basic (1-10):
| 5 |
Inquiries last 6m:
| 0 | Employment status: | Full-time employee |
Enhanced (1-5): | 4 |
Current / open credit lines:
| 1
/
1 | Length of status: | 1y 7m |
Credit score:
| 680-699 (Jun-2010) |
Total credit lines:
| 4 |
Occupation: | Other |
Now delinquent:
| 0 |
Revolving credit balance:
| $75 | Stated income: | $1-$24,999 |
Amount delinquent:
| $0 |
Bankcard utilization:
| 8% | | |
Public records last 12m / 10y:
| 0/ 2 |
Homeownership:
| No | | |
Delinquencies in last 7y:
| 0 | | | | |
Screen name:
| newest-golden-bazaar |
Borrower's state:
| NorthCarolina |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Description
Buying a new car for our family
Purpose of loan:
This loan will be used to purchase a minivan, pay for required maintenance, and new tires.
My financial situation:
I am a good candidate for this loan because I have no outstanding debt and make enough money to afford one.
Monthly net income: $
1500
Monthly expenses: $
950 - 1200
??Housing: $
600
??Insurance: $
50 ????
??Car expenses: $
0
??Utilities: $
100 - 150
??Phone, cable, internet: $
50
??Food, entertainment: $
150 - 275
??Clothing, household expenses $
0 - 75
??Credit cards and other loans: $
0
??Other expenses: $
0
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
463948
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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:
| Sep-1982 |
Debt/Income ratio:
| Self-employed (DTI Not Calculated) |
Basic (1-10):
| 4 |
Inquiries last 6m:
| 1 | Employment status: | Self-employed |
Enhanced (1-5): | 5 |
Current / open credit lines:
| 8
/
8 | Length of status: | 4y 2m |
Credit score:
| 720-739 (Jun-2010) |
Total credit lines:
| 20 |
Occupation: | Realtor |
Now delinquent:
| 0 |
Revolving credit balance:
| $10,608 | Stated income: | $50,000-$74,999 |
Amount delinquent:
| $0 |
Bankcard utilization:
| 80% | | |
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| Yes | | |
Delinquencies in last 7y:
| 0 | | | | |
Screen name:
| rentstcroix |
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:
| 0 / 1 |
On-time:
| 13 ( 87% )
| 720-739 (Latest)
|
Principal borrowed:
| $10,000.00 | < 31 days late:
| 2
( 13% )
| 820-839
(Jun-2008)
|
Principal balance:
| $0.01 |
31+ days late:
| 0
( 0% )
|
Total payments billed:
| 15 | | |
Description
My loan for debt consolidation
Purpose of loan:
The 100 point drop in my credit score is due to CitiBank lowering my credit card limit from over $30,000 to about $5000. Even though I only had a balance of about $3000. Also AT&T showed a closed acct w/ an unpaid balance (my deceased wife's cell phone) which I checked into & paid the unpaid balance of $350...just an oversight when finalizing her affairs. I previously had a Prosper loan and paid it off after 15 months. this loan will be used to pay off existing business debts. Every year the business slows down. Last summer was the slowest yet and although business is slow now it is better than last summer. I believe that every year since the economy has dropped the business is pulling itself back to where we once were. Thank you for you time & consideration into my matter.
My financial situation:
I am a good candidate for this loan because I had a prosper loan in the past and paid it off early and have never defaulted on any debt.
Monthly net income: $7500
Monthly expenses: $
??Housing: $
1600
??Insurance: $
100
??Car expenses: $
800
??Utilities: $
200
??Phone, cable, internet: $
100
??Food, entertainment: $
400
??Clothing, household expenses $200
??Credit cards and other loans: $
600
??Other expenses: $ 200
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
463954
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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:
| May-1987 |
Debt/Income ratio:
| 56% |
Basic (1-10):
| 8 |
Inquiries last 6m:
| 1 | Employment status: | Full-time employee |
Enhanced (1-5): | 3 |
Current / open credit lines:
| 13
/
12 | Length of status: | 5y 11m |
Credit score:
| 660-679 (Jun-2010) |
Total credit lines:
| 19 |
Occupation: | Realtor |
Now delinquent:
| 0 |
Revolving credit balance:
| $18,485 | Stated income: | $25,000-$49,999 |
Amount delinquent:
| $0 |
Bankcard utilization:
| 41% | | |
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| No | | |
Delinquencies in last 7y:
| 0 | | | | |
Screen name:
| TownGreeter |
Borrower's state:
| NewYork |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan history | Payment history | Credit score history |
Active / total loans:
| 0 / 1 |
On-time:
| 29 ( 100% )
| 660-679 (Latest)
|
Principal borrowed:
| $9,500.00 | < 31 days late:
| 0
( 0% )
| 700-719
(Dec-2007)
|
Principal balance:
| $0.00 |
31+ days late:
| 0
( 0% )
|
Total payments billed:
| 29 | | |
Description
Current Prosper lender, 2nd loan
Purpose of loan:
This loan will be used to pay off high rate credit cards (3 at 29.9%) and reboot my real estate career in Upstate New York. I?m recently divorced and moved to be closer to my family -- a true blessing. I'm determined to make my new life debt-free and successful.My financial situation:
I am a good candidate for this loan because I have been diligently improving my credit score after it slipped due to too much utilization. I paid off my previous Prosper loan early and I?m diligent about paying my debts ? I?m never late. I also have a growing internet welcoming service, www.TownGreeters.com and real estate activity is picking up so I?m excited about the possibilities.Monthly net income: over $3,500 ($2,000+ from real estate and $1,300 from social security)
Monthly expenses: $ 2,300
Housing: $ 597
Insurance: $ 155 includes car, life and health
Car expenses: $ 275
Utilities: $ 80
Phone, cable, internet: $ 99
Food, entertainment: $ 200
Clothing, household expenses $ 100
Credit cards and other loans: $ 600
Other expenses: $ 200
Thank you for reading my listing. I look forward to paying you instead of the credit card companies.
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
463966
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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:
| Mar-1996 |
Debt/Income ratio:
| 32% |
Basic (1-10):
| 5 |
Inquiries last 6m:
| 3 | Employment status: | Full-time employee |
Enhanced (1-5): | 1 |
Current / open credit lines:
| 9
/
3 | Length of status: | 4y 3m |
Credit score:
| 640-659 (Jun-2010) |
Total credit lines:
| 26 |
Occupation: | Professor |
Now delinquent:
| 1 |
Revolving credit balance:
| $20,044 | Stated income: | $25,000-$49,999 |
Amount delinquent:
| $80 |
Bankcard utilization:
| 94% | | |
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| Yes | | |
Delinquencies in last 7y:
| 14 | | | | |
Screen name:
| red-euro-explorer |
Borrower's state:
| NewYork |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Description
Consolidating Debt
Purpose of loan:
This loan will be used to condolidate debt.
My financial situation:
I am a good candidate for this loan because I have been trying to improve my debt.
Monthly net income: $ 3400
Monthly expenses: $
??Housing: $ 1018
??Insurance: $ 0
??Car expenses: $ 0
??Utilities: $ 200
??Phone, cable, internet: $?100
??Food, entertainment: $ 200
??Clothing, household expenses $ 0
??Credit cards and other loans: $ 600
??Other expenses: $
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
464002
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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:
| 14.0% | | |
| | |
|
Starting lender yield:
| 33.30% |
Starting borrower rate/APR:
| 34.30% / 36.74% |
Starting monthly payment:
| $179.36 |
|
Auction yield range:
| 13.98% - 33.30% |
Estimated loss impact:
| 15.54% | | |
Lender servicing fee:
| 1.00% |
Estimated return:
| 17.76% | | |
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper scores:
| |
First credit line:
| Feb-2001 |
Debt/Income ratio:
| 8% |
Basic (1-10):
| 6 |
Inquiries last 6m:
| 1 | Employment status: | Full-time employee |
Enhanced (1-5): | 5 |
Current / open credit lines:
| 3
/
3 | Length of status: | 5y 1m |
Credit score:
| 680-699 (Jun-2010) |
Total credit lines:
| 11 |
Occupation: | Accountant/CPA |
Now delinquent:
| 0 |
Revolving credit balance:
| $918 | Stated income: | $25,000-$49,999 |
Amount delinquent:
| $0 |
Bankcard utilization:
| 29% | | |
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| No | | |
Delinquencies in last 7y:
| 0 | | | | |
Screen name:
| youthful-nickel |
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
Pay Off Lawyer Fees
Purpose of loan:
This loan will be used to? to pay off lawyers fees to fight custody battle
My financial situation:
I am a good candidate for this loan because? i have good credit, my debt to income ratio is low i am in school again
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
464014
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount:
| $11,000.00 |
Prosper Rating:
| AA |
Auction Duration:
| 7 days
|
Term:
| 36 months |
Estimated loss:
| 1.5% | | |
| | |
|
Starting lender yield:
| 8.30% |
Starting borrower rate/APR:
| 9.30% / 9.64% |
Starting monthly payment:
| $351.33 |
|
Auction yield range:
| 2.98% - 8.30% |
Estimated loss impact:
| 1.50% | | |
Lender servicing fee:
| 1.00% |
Estimated return:
| 6.80% | | |
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments 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:
| 7% |
Basic (1-10):
| 9 |
Inquiries last 6m:
| 1 | Employment status: | Full-time employee |
Enhanced (1-5): | 5 |
Current / open credit lines:
| 7
/
5 | Length of status: | 1y 6m |
Credit score:
| 860-879 (Jun-2010) |
Total credit lines:
| 19 |
Occupation: | Computer Programmer |
Now delinquent:
| 0 |
Revolving credit balance:
| $16,549 | Stated income: | $100,000+ |
Amount delinquent:
| $0 |
Bankcard utilization:
| 12% | | |
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| Yes | | |
Delinquencies in last 7y:
| 0 | | | | |
Screen name:
| ANicePrep |
Borrower's state:
| DistrictOfColumbia |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Description
Trying to refinance my mortgage
Purpose of loan:
This loan will be used to refinance my 1st mortgage. I have been a long time
Prosper lender, but now I need a bit of help myself. I purchased my condo back
in 2005 with a 10/1 ARM and a 2nd mortgage (one of those old-school
80/20s). Over the course of two years, I paid down about half of the 2nd
mortgage. I later purchased a parking spot in my building for an extra amount
and used a HELOC to do so. The total of the HELOC ended up starting at approximately
$100,000 because it paid off my 2nd mortgage at the time and
financed the parking spot. It is now down to $11,000. I am trying to take
advantage of the great interest rates out there by converting my 1st
mortgage into a 15 yr fixed rate at 3.75% (amazing). Unfortunately, I can not
get a loan until the HELOC is paid off and I don?t have the liquid cash to be
able to do so. I did qualify for an FHA loan, but it was at 4.5% and I think
that?s just ridiculous. I?d rather try to get a loan here and then get the
lower rate which I think will save me much more money in the long run.
My financial situation:
I am a good candidate for this loan because I have a very stable full-time job
in the non-profit sector. In other words, we aren?t as volatile as the commercial
places so we aren?t going anywhere. Additionally, I also teach as an adjunct
professor at one of the local colleges which provides additional income.
Additionally, I also do some consulting side work. As you can clearly see I'm
pretty diversified in my sources of income. As I mentioned above, I've been a
Prosper lender before and unfortunately some lenders have defaulted on me,
which sucked. You can clearly see from my Prosper rating and accompany credit
score that I am extremely low risk and will make sure this debt is paid off. Thank you!
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
464026
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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:
| May-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:
| 4
/
5 | Length of status: | 38y 5m |
Credit score:
| 820-839 (Jun-2010) |
Total credit lines:
| 20 |
Occupation: | Other |
Now delinquent:
| 1 |
Revolving credit balance:
| $1,280 | Stated income: | $100,000+ |
Amount delinquent:
| $11,058 |
Bankcard utilization:
| 3% | | |
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| Yes | | |
Delinquencies in last 7y:
| 0 | | | | |
Screen name:
| wealth-rancher |
Borrower's state:
| Idaho |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Description
CURB APPEAL
I will use the funds to paint my house which will enhance its sales appeal. The house is listed at $1,595,000. Please see www.lupineridge.com. At the sales price there is $500,000 of equity. I am a good credit risk. I have over $100,000 annual income from Trust income, cell tower rentals, and social security.
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
464032
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount:
| $4,000.00 |
Prosper Rating:
| D |
Auction Duration:
| 7 days
|
Term:
| 36 months |
Estimated loss:
| 10.0% | | |
| | |
|
Starting lender yield:
| 25.25% |
Starting borrower rate/APR:
| 26.25% / 28.57% |
Starting monthly payment:
| $161.70 |
|
Auction yield range:
| 10.98% - 25.25% |
Estimated loss impact:
| 10.62% | | |
Lender servicing fee:
| 1.00% |
Estimated return:
| 14.63% | | |
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper scores:
| |
First credit line:
| Mar-2002 |
Debt/Income ratio:
| 40% |
Basic (1-10):
| 7 |
Inquiries last 6m:
| 0 | Employment status: | Full-time employee |
Enhanced (1-5): | 4 |
Current / open credit lines:
| 9
/
8 | Length of status: | 3y 2m |
Credit score:
| 660-679 (Jun-2010) |
Total credit lines:
| 23 |
Occupation: | Other |
Now delinquent:
| 0 |
Revolving credit balance:
| $13,564 | Stated income: | $25,000-$49,999 |
Amount delinquent:
| $0 |
Bankcard utilization:
| 96% | | |
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| Yes | | |
Delinquencies in last 7y:
| 0 | | | | |
Screen name:
| souvuelle |
Borrower's state:
| Kansas |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Description
Unexpected Medical Bills
Purpose of loan:
This loan will be used to pay off some unexpected bills that are due within the next month. I have fair credit history and never miss payments to lenders.
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
464038
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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:
| Sep-2000 |
Debt/Income ratio:
| Self-employed (DTI Not Calculated) |
Basic (1-10):
| 10 |
Inquiries last 6m:
| 2 | Employment status: | Self-employed |
Enhanced (1-5): | 3 |
Current / open credit lines:
| 7
/
7 | Length of status: | 0y 2m |
Credit score:
| 820-839 (Jun-2010) |
Total credit lines:
| 18 |
Occupation: | Tradesman - Carpent... |
Now delinquent:
| 0 |
Revolving credit balance:
| $847 | Stated income: | $1-$24,999 |
Amount delinquent:
| $0 |
Bankcard utilization:
| 4% | | |
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| Yes | | |
Delinquencies in last 7y:
| 0 | | | | |
Screen name:
| bengesell |
Borrower's state:
| NewMexico |
Borrower's group:
| Active Duty Military Group |
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan history | Payment history | Credit score history |
Active / total loans:
| 0 / 2 |
On-time:
| 19 ( 100% )
| 820-839 (Latest)
|
Principal borrowed:
| $11,300.00 | < 31 days late:
| 0
( 0% )
| 760-779
(May-2008)
760-779
(Aug-2007)
760-779
(Jun-2007)
|
Principal balance:
| $0.01 |
31+ days late:
| 0
( 0% )
|
Total payments billed:
| 19 | | |
Description
Table Saw for business start up
Purpose of loan:
I am in need of a $600.00 dollar Rigid R4510 10" table saw for my custom concrete countertops business I just started.
This loan will be used to?
Purchase the table saw and two blades.
My financial situation:
I have always wanted to start my own business. Recently I resigned from my work and struck out on my own. I own all my tools except for the table saw. I believe in Prosper and in the ability for other folks to make an honest paycheck by creating revenue by investment.
I am a good candidate for this loan because?
If I can't pay it back I will sell some of my stocks and pay it back in full.
Thanks for the the consideration.
Respectfully
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
464050
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount:
| $10,000.00 |
Prosper Rating:
| HR |
Auction Duration:
| 7 days
|
Term:
| 36 months |
Estimated loss:
| 34.5% | | |
| | |
|
Starting lender yield:
| 34.00% |
Starting borrower rate/APR:
| 35.00% / 37.45% |
Starting monthly payment:
| $452.36 |
|
Auction yield range:
| 16.98% - 34.00% |
Estimated loss impact:
| 36.51% | | |
Lender servicing fee:
| 1.00% |
Estimated return:
| -2.51% | | |
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper scores:
| |
First credit line:
| Mar-1964 |
Debt/Income ratio:
| Self-employed (DTI Not Calculated) |
Basic (1-10):
| 1 |
Inquiries last 6m:
| 0 | Employment status: | Self-employed |
Enhanced (1-5): | 3 |
Current / open credit lines:
| 2
/
1 | Length of status: | 3y 5m |
Credit score:
| 720-739 (Jun-2010) |
Total credit lines:
| 23 |
Occupation: | Other |
Now delinquent:
| 3 |
Revolving credit balance:
| $0 | Stated income: | $50,000-$74,999 |
Amount delinquent:
| $678 |
Bankcard utilization:
| 0% | | |
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| No | | |
Delinquencies in last 7y:
| 7 | | | | |
Screen name:
| proud-duty3 |
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
Best Time To Start A 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: $
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
464056
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount:
| $2,500.00 |
Prosper Rating:
| D |
Auction Duration:
| 7 days
|
Term:
| 36 months |
Estimated loss:
| 10.0% | | |
| | |
|
Starting lender yield:
| 25.25% |
Starting borrower rate/APR:
| 26.25% / 28.57% |
Starting monthly payment:
| $101.06 |
|
Auction yield range:
| 10.98% - 25.25% |
Estimated loss impact:
| 10.62% | | |
Lender servicing fee:
| 1.00% |
Estimated return:
| 14.63% | | |
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper scores:
| |
First credit line:
| Jun-1989 |
Debt/Income ratio:
| 18% |
Basic (1-10):
| 7 |
Inquiries last 6m:
| 2 | Employment status: | Full-time employee |
Enhanced (1-5): | 5 |
Current / open credit lines:
| 4
/
4 | Length of status: | 22y 8m |
Credit score:
| 660-679 (Jun-2010) |
Total credit lines:
| 34 |
Occupation: | Professional |
Now delinquent:
| 0 |
Revolving credit balance:
| $1,474 | Stated income: | $100,000+ |
Amount delinquent:
| $0 |
Bankcard utilization:
| 134% | | |
Public records last 12m / 10y:
| 0/ 1 |
Homeownership:
| No | | |
Delinquencies in last 7y:
| 15 | | | | |
Screen name:
| payout-oracle6 |
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
Moving; Need up front Money
Purpose of loan:
This loan will be used to help me relocate.? I plan to relocate with?my ex wife and daughter?to an area 50 miles north of us here in San Diego so as to find less expensive living arrangements.? In doing so, the cost to relocate is expensive especially when one?considers the cost of renting a truck, paying a security deposit, purchsing used appliances for the home, etc.
My financial situation:
I am a good candidate for this loan because I have over a 17 year employment history with the company for which I work and make $120K per year.? I ran into some trouble two years ago when my wife and I got in over our heads with a mortage we simply could not afford but since then I have worked very hard to restablish my credit and feel a 660 isn't great bad it isn't all that bad either.?
Monthly net income: $ 5500
Monthly expenses: $
??Housing: $ 1900
??Insurance: $
??Car expenses: $ 500
??Utilities: $ 200
??Phone, cable, internet: $ 125
??Food, entertainment: $ 600
??Clothing, household expenses $200
??Credit cards and other loans: $ 250
??Other expenses: $
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
464062
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount:
| $5,500.00 |
Prosper Rating:
| 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:
| $173.57 |
|
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:
| Feb-1996 |
Debt/Income ratio:
| 14% |
Basic (1-10):
| 7 |
Inquiries last 6m:
| 0 | Employment status: | Full-time employee |
Enhanced (1-5): | 5 |
Current / open credit lines:
| 10
/
8 | Length of status: | 0y 3m |
Credit score:
| 820-839 (Jun-2010) |
Total credit lines:
| 37 |
Occupation: | Computer Programmer |
Now delinquent:
| 1 |
Revolving credit balance:
| $245 | Stated income: | $75,000-$99,999 |
Amount delinquent:
| $55 |
Bankcard utilization:
| 5% | | |
Public records last 12m / 10y:
| 0/ 1 |
Homeownership:
| Yes | | |
Delinquencies in last 7y:
| 0 | | | | |
Screen name:
| unequivocal-commitment1 |
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
Suppliment for student loan
Purpose of loan:
There is a shortage between my student loan and my balance due from the school.? This loan covers that.
My financial situation:
I am a good candidate for this loan because?I already qualified for this same loan through my credit union but I'm just looking for a lower interest rate.
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
464112
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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-2009 |
Debt/Income ratio:
| 7% |
Basic (1-10):
| 5 |
Inquiries last 6m:
| 2 | Employment status: | Full-time employee |
Enhanced (1-5): | 3 |
Current / open credit lines:
| 2
/
2 | Length of status: | 3y 0m |
Credit score:
| 640-659 (Jun-2010) |
Total credit lines:
| 3 |
Occupation: | Skilled Labor |
Now delinquent:
| 0 |
Revolving credit balance:
| $51 | 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:
| newest-cordial-p2p |
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
Helping fix my truck and going to s
Purpose of loan:
This loan will be used to? Help fix a used?truck that I had purchased and to go to school part time.
My financial situation:
I am a good candidate for this loan because? I work hard and I'm trying to build on my credit. I live at home with my Mom and brother and sister and I help with the monthly rent and utilities.
Monthly net income: $ 2000.00
Monthly expenses: $
??Housing: $ 300.00
??Insurance: $ 0
??Car expenses: $ 100.00
??Utilities: $ 50.00
??Phone, cable, internet: $ 30.00
??Food, entertainment: $ 50.00
??Clothing, household expenses $100.00
??Credit cards and other loans: $50.00
??Other expenses: $100.00
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
464118
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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:
| Feb-1993 |
Debt/Income ratio:
| 15% |
Basic (1-10):
| 4 |
Inquiries last 6m:
| 2 | Employment status: | Full-time employee |
Enhanced (1-5): | 2 |
Current / open credit lines:
| 10
/
8 | Length of status: | 0y 4m |
Credit score:
| 660-679 (Jun-2010) |
Total credit lines:
| 40 |
Occupation: | Medical Technician |
Now delinquent:
| 5 |
Revolving credit balance:
| $35,795 | Stated income: | $100,000+ |
Amount delinquent:
| $4,151 |
Bankcard utilization:
| 102% | | |
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| Yes | | |
Delinquencies in last 7y:
| 8 | | | | |
Screen name:
| point-relief6 |
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 5yr old's school fees
Purpose of loan:
My 5 yr old son?got into a great?private school for kindergarten.? We have had to stretch everything for this to work.? We got it done, but are looking for?a short term loan to help pay?the?upcoming fees.?
My financial situation:
I work for a great company, great salary, in actually the same industry (medical) for 10 years.? Although it says only 4 months at current occupation, it is actually 10 years?with competing comanies that provide the same product.?
Monthly net income: $
8000
Monthly expenses: $
??Housing: $ 3000
??Insurance: $ Life (400)
??Car expenses: $?500
??Utilities: $?300
??Phone, cable, internet: $ 135
??Food, entertainment: $?300
??Clothing, household expenses $ 100
??Credit cards and other loans: $?1500
??Other expenses: $
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
464124
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount:
| $3,000.00 |
Prosper Rating:
| B |
Auction Duration:
| 7 days
|
Term:
| 36 months |
Estimated loss:
| 5.0% | | |
| | |
|
Starting lender yield:
| 10.00% |
Starting borrower rate/APR:
| 11.00% / 13.12% |
Starting monthly payment:
| $98.22 |
|
Auction yield range:
| 5.98% - 10.00% |
Estimated loss impact:
| 5.16% | | |
Lender servicing fee:
| 1.00% |
Estimated return:
| 4.84% | | |
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper scores:
| |
First credit line:
| Nov-2005 |
Debt/Income ratio:
| 15% |
Basic (1-10):
| 8 |
Inquiries last 6m:
| 1 | Employment status: | Full-time employee |
Enhanced (1-5): | 5 |
Current / open credit lines:
| 9
/
6 | Length of status: | 9y 5m |
Credit score:
| 720-739 (Jun-2010) |
Total credit lines:
| 17 |
Occupation: | Skilled Labor |
Now delinquent:
| 0 |
Revolving credit balance:
| $5,413 | Stated income: | $25,000-$49,999 |
Amount delinquent:
| $0 |
Bankcard utilization:
| 35% | | |
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| Yes | | |
Delinquencies in last 7y:
| 0 | | | | |
Screen name:
| credit-atizer |
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
redoing garage
Purpose of loan:
This loan will be used to?
redoing my garage
My financial situation:
I am a good candidate for this loan because? i pay all my bills on time an i have no deliquent accounts
Monthly net income: $ 2300
Monthly expenses: $
??Housing: $ 710.00
??Insurance: $ 50.00
??Car expenses: $
??Utilities: $100
??Phone, cable, internet: $
??Food, entertainment: $
??Clothing, household expenses $
??Credit cards and other loans: $100.00
??Other expenses: $
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
464130
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount:
| $3,500.00 |
Prosper Rating:
| AA |
Auction Duration:
| 7 days
|
Term:
| 36 months |
Estimated loss:
| 1.5% | | |
| | |
|
Starting lender yield:
| 7.48% |
Starting borrower rate/APR:
| 8.48% / 8.82% |
Starting monthly payment:
| $110.45 |
|
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:
| Dec-1994 |
Debt/Income ratio:
| 18% |
Basic (1-10):
| 6 |
Inquiries last 6m:
| 4 | Employment status: | Full-time employee |
Enhanced (1-5): | 5 |
Current / open credit lines:
| 9
/
9 | Length of status: | 4y 10m |
Credit score:
| 800-819 (Jun-2010) |
Total credit lines:
| 24 |
Occupation: | Teacher |
Now delinquent:
| 0 |
Revolving credit balance:
| $3,414 | Stated income: | $50,000-$74,999 |
Amount delinquent:
| $0 |
Bankcard utilization:
| 33% | | |
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| Yes | | |
Delinquencies in last 7y:
| 0 | | | | |
Screen name:
| xangelauxs |
Borrower's state:
| California |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan history | Payment history | Credit score history |
Active / total loans:
| 0 / 1 |
On-time:
| 20 ( 100% )
| 800-819 (Latest)
|
Principal borrowed:
| $9,000.00 | < 31 days late:
| 0
( 0% )
| 700-719
(Jan-2008)
|
Principal balance:
| $0.00 |
31+ days late:
| 0
( 0% )
|
Total payments billed:
| 20 | | |
Description
Paying off my credit card
Purpose of loan:
This loan will be used to pay off my last credit card.?
My financial situation:
I am a good candidate for this loan because I always pay at least my minimum payment~ on time.? With my previous Prosper loan, I was on-time with payments 100% of the time.
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
464136
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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:
| 16.98% |
Starting borrower rate/APR:
| 17.98% / 20.44% |
Starting monthly payment:
| $54.21 |
|
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:
| Oct-1984 |
Debt/Income ratio:
| 16% |
Basic (1-10):
| 4 |
Inquiries last 6m:
| 5 | Employment status: | Full-time employee |
Enhanced (1-5): | 3 |
Current / open credit lines:
| 17
/
15 | Length of status: | 22y 5m |
Credit score:
| 660-679 (Jun-2010) |
Total credit lines:
| 47 |
Occupation: | Skilled Labor |
Now delinquent:
| 0 |
Revolving credit balance:
| $7,007 | 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:
| 4 | | | | |
Screen name:
| euro-percolator |
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
Georgetown University education
Purpose of loan:
To pay fees and other expenses related to attending Georgetown University.
My financial situation:
I am a good candidate for this loan because?
Monthly net income: $
2800
Monthly expenses: $
??Housing: $
??Insurance: $
??Car expenses: $
??Utilities: $
??Phone, cable, internet: $
??Food, entertainment: $
??Clothing, household expenses $
??Credit cards and other loans: $
??Other expenses: $
undefined
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
464154
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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:
| Aug-1997 |
Debt/Income ratio:
| 29% |
Basic (1-10):
| 9 |
Inquiries last 6m:
| 0 | Employment status: | Full-time employee |
Enhanced (1-5): | 5 |
Current / open credit lines:
| 15
/
12 | Length of status: | 2y 8m |
Credit score:
| 620-639 (Jun-2010) |
Total credit lines:
| 42 |
Occupation: | Social Worker |
Now delinquent:
| 0 |
Revolving credit balance:
| $21,443 | Stated income: | $75,000-$99,999 |
Amount delinquent:
| $0 |
Bankcard utilization:
| 87% | | |
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| Yes | | |
Delinquencies in last 7y:
| 0 | | | | |
Screen name:
| kmabunda |
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:
| 26 ( 96% )
| 620-639 (Latest)
|
Principal borrowed:
| $2,100.00 | < 31 days late:
| 1
( 4% )
| 620-639
(Mar-2008)
700-719
(Jun-2007)
|
Principal balance:
| $639.10 |
31+ days late:
| 0
( 0% )
|
Total payments billed:
| 27 | | |
Description
EXPANDING BUSSINESS
Purpose of loan:
This loan will be used to?
Expanding on my business
My financial situation:
I am a good candidate for this loan because? I always pay on time. Have a good paying history with prosper
Monthly net income: $ 7,000
Monthly expenses: $
??Housing: $ 1,100
??Insurance: $35
??Car expenses: $352
??Utilities: $0
??Phone, cable, internet: $ 0
??Food, entertainment: $150
??Clothing, household expenses $50?
??Credit cards and other loans: $500
??Other expenses: $
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
464160
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount:
| $2,500.00 |
Prosper Rating:
| C |
Auction Duration:
| 7 days
|
Term:
| 36 months |
Estimated loss:
| 8.0% | | |
| | |
|
Starting lender yield:
| 22.00% |
Starting borrower rate/APR:
| 23.00% / 25.28% |
Starting monthly payment:
| $96.77 |
|
Auction yield range:
| 7.98% - 22.00% |
Estimated loss impact:
| 8.52% | | |
Lender servicing fee:
| 1.00% |
Estimated return:
| 13.48% | | |
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper scores:
| |
First credit line:
| Mar-1999 |
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:
| 10
/
7 | Length of status: | 3y 2m |
Credit score:
| 700-719 (Jun-2010) |
Total credit lines:
| 15 |
Occupation: | Medical Technician |
Now delinquent:
| 0 |
Revolving credit balance:
| $6,724 | Stated income: | $25,000-$49,999 |
Amount delinquent:
| $0 |
Bankcard utilization:
| 40% | | |
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| No | | |
Delinquencies in last 7y:
| 0 | | | | |
Screen name:
| nymoney |
Borrower's state:
| NewYork |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Description
Paying off 28% Discover Help me
Purpose of loan:
This loan will be used to Pay off my 28% Discover card. I have been a customer with Discover for over 9 years and they will not lower my interest rate. I have called them many times, sent them letters and nothing.
My financial situation:
I am turning to the members of prosper to help me out. Please invest in my loan this will be one of the safest investments you will make. I currently have over 20 active loans on prosper as a investor. My credit score is pretty good I have low debt ratio and have been at the same job for three years. I would really love to get a rate under 18% so I can really?stick it?to Discover, Please help me. Thank you for looking at my listing and helping me out. Any questions please ask me
Monthly net income: $ 2400
Monthly expenses: $
??Housing: $?Live with family
??Insurance: $ 91
??Car expenses: $ 320
??Utilities: $
??Phone, cable, internet: $ 86
??Food, entertainment: $
??Clothing, household expenses $
??Credit cards and other loans: $ 440 Total
Dis-28%
Bank America-19%
Master card-19%
??Other expenses: $
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
464184
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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:
| 34.5% | | |
| | |
|
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:
| 36.51% | | |
Lender servicing fee:
| 1.00% |
Estimated return:
| -2.51% | | |
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper scores:
| |
First credit line:
| Jul-1998 |
Debt/Income ratio:
| 34% |
Basic (1-10):
| 1 |
Inquiries last 6m:
| 3 | Employment status: | Full-time employee |
Enhanced (1-5): | 2 |
Current / open credit lines:
| 8
/
8 | Length of status: | 2y 7m |
Credit score:
| 640-659 (Jun-2010) |
Total credit lines:
| 37 |
Occupation: | Professional |
Now delinquent:
| 1 |
Revolving credit balance:
| $1,714 | Stated income: | $75,000-$99,999 |
Amount delinquent:
| $41 |
Bankcard utilization:
| 94% | | |
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| No | | |
Delinquencies in last 7y:
| 2 | | | | |
Screen name:
| golden-gain8 |
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
Need Help Save My Grandmother
Purpose of loan:
This loan will be used to help my family.? My?grandmother?has been ill?and her medical bills are piling up.? I am trying to help her.
My financial situation:
I am a good candidate for this loan because I have a good job and pay all my bills on time.? I had trouble in that past but I make every effort to pay my bills on time now
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
464214
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount:
| $3,000.00 |
Prosper Rating:
| A |
Auction Duration:
| 7 days
|
Term:
| 36 months |
Estimated loss:
| 2.1% | | |
| | |
|
Starting lender yield:
| 8.33% |
Starting borrower rate/APR:
| 9.33% / 11.43% |
Starting monthly payment:
| $95.86 |
|
Auction yield range:
| 3.98% - 8.33% |
Estimated loss impact:
| 2.12% | | |
Lender servicing fee:
| 1.00% |
Estimated return:
| 6.21% | | |
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper scores:
| |
First credit line:
| Sep-1996 |
Debt/Income ratio:
| 27% |
Basic (1-10):
| 9 |
Inquiries last 6m:
| 2 | Employment status: | Full-time employee |
Enhanced (1-5): | 2 |
Current / open credit lines:
| 18
/
17 | Length of status: | 1y 9m |
Credit score:
| 700-719 (Jun-2010) |
Total credit lines:
| 42 |
Occupation: | Engineer - Mechanic... |
Now delinquent:
| 0 |
Revolving credit balance:
| $35,710 | Stated income: | $75,000-$99,999 |
Amount delinquent:
| $0 |
Bankcard utilization:
| 84% | | |
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| Yes | | |
Delinquencies in last 7y:
| 0 | | | | |
Screen name:
| top-dime-igloo |
Borrower's state:
| Louisiana |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Description
Replacing the siding on my home
Purpose of loan:
This loan will be used to replace the siding on my home, which will allow me to refinance my mortgage. It is an initial investment needed to bring down my mortgage interest rate, which will, in turn, create additional cash to put back into additional home improvements. My house has an apartment in it that generates constant income, so the investment is a viable one. These repairs are necessary as a result of hurricane damage from Katrina and the fact that I never received my insurance settlement.
My financial situation: Stable and consistent.
I am a good candidate for this loan because I am extremely responsible about paying my bills. I have a VERY stable job and a house that generates income.
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
464226
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount:
| $1,000.00 |
Prosper Rating:
| AA |
Auction Duration:
| 7 days
|
Term:
| 36 months |
Estimated loss:
| 0.6% | | |
| | |
|
Starting lender yield:
| 6.10% |
Starting borrower rate/APR:
| 7.10% / 7.44% |
Starting monthly payment:
| $30.92 |
|
Auction yield range:
| 2.98% - 6.10% |
Estimated loss impact:
| 0.60% | | |
Lender servicing fee:
| 1.00% |
Estimated return:
| 5.50% | | |
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper scores:
| |
First credit line:
| Sep-1994 |
Debt/Income ratio:
| Self-employed (DTI Not Calculated) |
Basic (1-10):
| 10 |
Inquiries last 6m:
| 0 | Employment status: | Self-employed |
Enhanced (1-5): | 5 |
Current / open credit lines:
| 10
/
8 | Length of status: | 4y 5m |
Credit score:
| 780-799 (Jun-2010) |
Total credit lines:
| 44 |
Occupation: | Computer Programmer |
Now delinquent:
| 0 |
Revolving credit balance:
| $16,496 | Stated income: | $100,000+ |
Amount delinquent:
| $0 |
Bankcard utilization:
| 28% | | |
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| No | | |
Delinquencies in last 7y:
| 0 | | | | |
Screen name:
| wise-transparency-tapestry |
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
Misc business expenses
Purpose of loan:
This loan will be used for misc. business expenses while on an off-site location.
My financial situation:
I am a good candidate for this loan because I have secure income and good credit.
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
459559
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount:
| $1,000.00 |
Prosper Rating:
| C |
Auction Duration:
| 7 days
|
Term:
| 36 months |
Estimated loss:
| 6.5% | | |
| | |
|
Starting lender yield:
| 18.90% |
Starting borrower rate/APR:
| 19.90% / 23.68% |
Starting monthly payment:
| $37.11 |
|
Auction yield range:
| 7.98% - 18.90% |
Estimated loss impact:
| 6.94% | | |
Lender servicing fee:
| 1.00% |
Estimated return:
| 11.96% | | |
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper scores:
| |
First credit line:
| Apr-2002 |
Debt/Income ratio:
| 16% |
Basic (1-10):
| 9 |
Inquiries last 6m:
| 0 | Employment status: | Full-time employee |
Enhanced (1-5): | 5 |
Current / open credit lines:
| 5
/
5 | Length of status: | 8y 9m |
Credit score:
| 640-659 (Jun-2010) |
Total credit lines:
| 11 |
Occupation: | Other |
Now delinquent:
| 0 |
Revolving credit balance:
| $1,803 | Stated income: | $25,000-$49,999 |
Amount delinquent:
| $0 |
Bankcard utilization:
| 64% | | |
Public records last 12m / 10y:
| 0/ 1 |
Homeownership:
| No | | |
Delinquencies in last 7y:
| 0 | | | | |
Screen name:
| budw2 |
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:
| 25 ( 100% )
| 640-659 (Latest)
|
Principal borrowed:
| $1,000.00 | < 31 days late:
| 0
( 0% )
| 620-639
(Apr-2008)
|
Principal balance:
| $415.51 |
31+ days late:
| 0
( 0% )
|
Total payments billed:
| 25 | | |
Description
Automobile repairs and new tires.
Purpose of loan:
This loan will be used to?? Fix? car need lifters and tires.
My financial situation:
I am a good candidate for this loan because? i get direct deposit weekly
Monthly net income: $ 2,700
Monthly expenses: $1,600?
??Housing: $ 500
??Insurance: $111?
??Car expenses: $367
??Utilities: $ 150
??Phone, cable, internet: $?50
??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
463085
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount:
| $22,500.00 |
Prosper Rating:
| HR |
Auction Duration:
| 7 days
|
Term:
| 36 months |
Estimated loss:
| 34.5% | | |
| | |
|
Starting lender yield:
| 20.14% |
Starting borrower rate/APR:
| 21.14% / 23.39% |
Starting monthly payment:
| $849.31 |
|
Auction yield range:
| 16.98% - 20.14% |
Estimated loss impact:
| 35.63% | | |
Lender servicing fee:
| 1.00% |
Estimated return:
| -15.49% | | |
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper scores:
| |
First credit line:
| Sep-1991 |
Debt/Income ratio:
| 20% |
Basic (1-10):
| 1 |
Inquiries last 6m:
| 0 | Employment status: | Full-time employee |
Enhanced (1-5): | 3 |
Current / open credit lines:
| 7
/
4 | Length of status: | 2y 9m |
Credit score:
| 640-659 (Jun-2010) |
Total credit lines:
| 17 |
Occupation: | Retail Management |
Now delinquent:
| 1 |
Revolving credit balance:
| $718 | Stated income: | $50,000-$74,999 |
Amount delinquent:
| $169 |
Bankcard utilization:
| 44% | | |
Public records last 12m / 10y:
| 1/ 2 |
Homeownership:
| No | | |
Delinquencies in last 7y:
| 22 | | | | |
Screen name:
| CUTigers86 |
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
Help us Relocate
Purpose of loan:
This loan will be used to? purchase a 4bd/3.5 bath townhouse in South Carolina. This loan, along with money we have saved?will represent a down payment in excess of 40% of the sales price which will allow for favorable financing considering my limited credit history. This is not for a vacation/second home, it is for a primary residence since I will be relocating with my current job to the area - my salary will remain constant. I would have liked to put a photo of the property on but I do not want to infringe on?the rights of the Listing Agent.??Suffice to say, it is a very nice place in a town that we are highly motivated to move to and the taxes are low. It is also "dog friendly" which is next to impossible to find.
My financial situation:
I am a good candidate for this loan because? in addition to my income which, by itself?is?double what the mortgage payment($600) plus this loan repayment would be(850), additional income is available to repay this obligation. Prosper, rightfully so, only considers the applicants justifiable income, however this property is for use by my immediate family?and another family member who is also employed and looking to move to a better climate.?Our expenses are very limited, however our credit is dinged and it is difficult to obtain traditional financing in this environment without a substantial downpayment. I have been working over the past 6 months to repair my credit and have had good enough success to secure a home loan but, again, only with a large downpayment.
I will gladly answer any questions that lenders would like to pose with regard to my income and credit history. In advance of questions, I will offer the following information with regard to my credit history - all public records are paid/satisfied in full. The largest item was a tax lien that originated in 2002 and pertained to income that was reported on a 1099 sent to the IRS which was not the same as the 1099 I received as a self employed worker. The matter is resolved and paid for. All credit related items are, in general, very small amounts as we pay cash for about 98% of our purchases. The item listed as "past due" above ($169) is inaccurate - the account is paid and closed and being?disputed with all three bureaus as it was satisfied 3/4 months ago but it is still not reporting properly. Thank you?for your consideration and I encourage everyone who reads this and has even a remote interest in funding to ask any and all questions that they may have.
Monthly net income: $3200????
Monthly expenses: $
??Housing: $ n/a
??Insurance: $ 75
??Car expenses: $125
??Utilities: $ n/a
??Phone, cable, internet: $?n/a
??Food, entertainment: $125
??Clothing, household expenses $ 75
??Credit cards and other loans: $ 175
??Other expenses: $ n/a
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
463517
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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:
| 16.98% |
Starting borrower rate/APR:
| 17.98% / 20.19% |
Starting monthly payment:
| $72.28 |
|
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:
| Jun-1978 |
Debt/Income ratio:
| 27% |
Basic (1-10):
| 3 |
Inquiries last 6m:
| 3 | Employment status: | Part-time employee |
Enhanced (1-5): | 2 |
Current / open credit lines:
| 5
/
5 | Length of status: | 1y 10m |
Credit score:
| 720-739 (Jun-2010) |
Total credit lines:
| 6 |
Occupation: | Student - College G... |
Now delinquent:
| 0 |
Revolving credit balance:
| $728 | 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:
| wise-affluence-conductor |
Borrower's state:
| California |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Description
Transition Loan for Grad. Student
Purpose of loan:This loan will be used to bridge my transition to San Francisco, where I will pursue coursework leading up to a Master's Degree in Women & Gender Studies. Essentially, this loan will provide financial support until I receive my financial aid after August 2010, which is when the Fall semester begins.My financial situation:I am a good candidate for this loan because I have very good credit and I am financially sound. I have over $1,000 in savings and I have low balances on my credit card accounts compared to my available credit limits. Also, my financial aid package totals at $24,138 for 2010-2011, and I already have a work-study job as a Graduate Assistant in the Women & Gender Studies Department at my university.
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
463663
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount:
| $2,000.00 |
Prosper Rating:
| A |
Auction Duration:
| 7 days
|
Term:
| 36 months |
Estimated loss:
| 2.1% | | |
| | |
|
Starting lender yield:
| 6.80% |
Starting borrower rate/APR:
| 7.80% / 9.88% |
Starting monthly payment:
| $62.49 |
|
Auction yield range:
| 3.98% - 6.80% |
Estimated loss impact:
| 2.11% | | |
Lender servicing fee:
| 1.00% |
Estimated return:
| 4.69% | | |
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-1992 |
Debt/Income ratio:
| 15% |
Basic (1-10):
| 9 |
Inquiries last 6m:
| 1 | Employment status: | Full-time employee |
Enhanced (1-5): | 4 |
Current / open credit lines:
| 5
/
4 | Length of status: | 5y 7m |
Credit score:
| 740-759 (Jun-2010) |
Total credit lines:
| 12 |
Occupation: | Analyst |
Now delinquent:
| 0 |
Revolving credit balance:
| $25,804 | Stated income: | $50,000-$74,999 |
Amount delinquent:
| $0 |
Bankcard utilization:
| 83% | | |
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| Yes | | |
Delinquencies in last 7y:
| 0 | | | | |
Screen name:
| mypaigee |
Borrower's state:
| Arizona |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Description
Paying off higher interest debt
Purpose of loan:
This $2,000 will be used to pay off?a portion of the?9.99% credit card debt for my debt.? Since the amount I wanted to borrow was too small for any home equity loans, I decided to give the peer-to-peer lending a try hoping to borrow at the rate that is even better than other?sources.
My financial situation:
You will definitely get your return of investment back as $63 monthly payment is too small to be considered as a risk on my end. Also I am only an authorized user of the?$25K revolving balance.
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
463739
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount:
| $1,000.00 |
Prosper Rating:
| AA |
Auction Duration:
| 7 days
|
Term:
| 36 months |
Estimated loss:
| 0.6% | | |
| | |
|
Starting lender yield:
| 6.10% |
Starting borrower rate/APR:
| 7.10% / 7.44% |
Starting monthly payment:
| $30.92 |
|
Auction yield range:
| 2.98% - 6.10% |
Estimated loss impact:
| 0.60% | | |
Lender servicing fee:
| 1.00% |
Estimated return:
| 5.50% | | |
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper scores:
| |
First credit line:
| Oct-1990 |
Debt/Income ratio:
| 14% |
Basic (1-10):
| 10 |
Inquiries last 6m:
| 2 | Employment status: | Full-time employee |
Enhanced (1-5): | 5 |
Current / open credit lines:
| 11
/
10 | Length of status: | 2y 9m |
Credit score:
| 780-799 (Jun-2010) |
Total credit lines:
| 22 |
Occupation: | Professional |
Now delinquent:
| 0 |
Revolving credit balance:
| $5,807 | Stated income: | $25,000-$49,999 |
Amount delinquent:
| $0 |
Bankcard utilization:
| 25% | | |
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| Yes | | |
Delinquencies in last 7y:
| 18 | | | | |
Screen name:
| exchange-cycle |
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
Help for improvements
Purpose of loan:
I need to have a boundary survey done on my property
My financial situation:
I have a stable income and share the expenses with my spouse. I just don't have the money saved and I have an immediate need.
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
463817
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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:
| 11.00% |
Starting borrower rate/APR:
| 12.00% / 14.13% |
Starting monthly payment:
| $99.64 |
|
Auction yield range:
| 3.98% - 11.00% |
Estimated loss impact:
| 2.14% | | |
Lender servicing fee:
| 1.00% |
Estimated return:
| 8.86% | | |
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:
| Dec-1984 |
Debt/Income ratio:
| Not calculated |
Basic (1-10):
| 9 |
Inquiries last 6m:
| 2 | Employment status: | Full-time employee |
Enhanced (1-5): | 3 |
Current / open credit lines:
| 11
/
9 | Length of status: | 6y 5m |
Credit score:
| 720-739 (Jun-2010) |
Total credit lines:
| 33 |
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:
| funds-stockpiler0 |
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 a Marine!
Purpose of loan:
My son just finished his final tour in Iraq and I expect him home by the end of the month. After four long years he will be here to stay. Unfortunately every mother knows there son has to move out eventually. I just want this loan to help him get started. It may not be much but with the money I have saved and this 3000 I know he will be able to stand on his own two feet and get his own apartment.
My Personal Monthly net income: $ 3,583?
My Monthly Expenses
??Housing: $ Rent 1000
??Utilities: $?150
??Phone, cable, internet: $ 120
? Food, entertainment: $ 300
??Credit cards and other loans: $ 550 + 100 from this monthly payment
Total: $ 2120 Monthly Expenses
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
463835
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount:
| $20,000.00 |
Prosper Rating:
| HR |
Auction Duration:
| 7 days
|
Term:
| 36 months |
Estimated loss:
| 34.5% | | |
| | |
|
Starting lender yield:
| 34.00% |
Starting borrower rate/APR:
| 35.00% / 37.45% |
Starting monthly payment:
| $904.72 |
|
Auction yield range:
| 16.98% - 34.00% |
Estimated loss impact:
| 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:
| May-1998 |
Debt/Income ratio:
| 30% |
Basic (1-10):
| 1 |
Inquiries last 6m:
| 1 | Employment status: | Full-time employee |
Enhanced (1-5): | 2 |
Current / open credit lines:
| 2
/
2 | Length of status: | 2y 5m |
Credit score:
| 680-699 (Jun-2010) |
Total credit lines:
| 6 |
Occupation: | Analyst |
Now delinquent:
| 1 |
Revolving credit balance:
| $241 | Stated income: | $25,000-$49,999 |
Amount delinquent:
| $41 |
Bankcard utilization:
| 80% | | |
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| No | | |
Delinquencies in last 7y:
| 0 | | | | |
Screen name:
| treasure-gravity |
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?
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
463841
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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:
| 6.00% |
Starting borrower rate/APR:
| 7.00% / 9.07% |
Starting monthly payment:
| $154.39 |
|
Auction yield range:
| 3.98% - 6.00% |
Estimated loss impact:
| 2.11% | | |
Lender servicing fee:
| 1.00% |
Estimated return:
| 3.89% | | |
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper scores:
| |
First credit line:
| Oct-2003 |
Debt/Income ratio:
| Self-employed (DTI Not Calculated) |
Basic (1-10):
| 8 |
Inquiries last 6m:
| 1 | Employment status: | Self-employed |
Enhanced (1-5): | 4 |
Current / open credit lines:
| 7
/
5 | Length of status: | 2y 0m |
Credit score:
| 760-779 (Jun-2010) |
Total credit lines:
| 18 |
Occupation: | Other |
Now delinquent:
| 0 |
Revolving credit balance:
| $4,487 | Stated income: | $50,000-$74,999 |
Amount delinquent:
| $0 |
Bankcard utilization:
| 10% | | |
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| No | | |
Delinquencies in last 7y:
| 0 | | | | |
Screen name:
| kravis-ftw |
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
Law School
Purpose of loan:
I am a law student. Over the next two years, I will be doing a lot of unpaid internships at various law firms in order to gain the experience necessary to make myself more marketable when I graduate.
My financial situation:
I am a great candidate for this loan because I have excellent credit. I always pay my bills on time.
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
463847
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount:
| $8,000.00 |
Prosper Rating:
| A |
Auction Duration:
| 7 days
|
Term:
| 36 months |
Estimated loss:
| 2.1% | | |
| | |
|
Starting lender yield:
| 9.20% |
Starting borrower rate/APR:
| 10.20% / 12.31% |
Starting monthly payment:
| $258.89 |
|
Auction yield range:
| 3.98% - 9.20% |
Estimated loss impact:
| 2.12% | | |
Lender servicing fee:
| 1.00% |
Estimated return:
| 7.08% | | |
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper scores:
| |
First credit line:
| May-1994 |
Debt/Income ratio:
| 33% |
Basic (1-10):
| 9 |
Inquiries last 6m:
| 0 | Employment status: | Full-time employee |
Enhanced (1-5): | 5 |
Current / open credit lines:
| 9
/
9 | Length of status: | 7y 9m |
Credit score:
| 780-799 (Jun-2010) |
Total credit lines:
| 12 |
Occupation: | Retail Management |
Now delinquent:
| 0 |
Revolving credit balance:
| $24,557 | Stated income: | $25,000-$49,999 |
Amount delinquent:
| $0 |
Bankcard utilization:
| 33% | | |
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| Yes | | |
Delinquencies in last 7y:
| 0 | | | | |
Screen name:
| jharnisch |
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
Consolidating my credit cards
Purpose of loan:
This loan will be used to?
pay off my credit card debt that I acquired during my marriage and divorce. I am looking for a fresh start and this will help the process. I have been trying to pay them down but it is just a slow process with the high interest rates on a couple of the cards.
My financial situation:
I am a good candidate for this loan because?I have never been late on any payment for anything. I have been at my job for almost 8 years so I have a stable financial situation.
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
463853
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount:
| $1,000.00 |
Prosper Rating:
| C |
Auction Duration:
| 7 days
|
Term:
| 36 months |
Estimated loss:
| 6.5% | | |
| | |
|
Starting lender yield:
| 19.06% |
Starting borrower rate/APR:
| 20.06% / 23.85% |
Starting monthly payment:
| $37.19 |
|
Auction yield range:
| 7.98% - 19.06% |
Estimated loss impact:
| 6.94% | | |
Lender servicing fee:
| 1.00% |
Estimated return:
| 12.12% | | |
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper scores:
| |
First credit line:
| Nov-1995 |
Debt/Income ratio:
| 15% |
Basic (1-10):
| 9 |
Inquiries last 6m:
| 0 | Employment status: | Full-time employee |
Enhanced (1-5): | 3 |
Current / open credit lines:
| 4
/
4 | Length of status: | 5y 3m |
Credit score:
| 680-699 (Jun-2010) |
Total credit lines:
| 29 |
Occupation: | Executive |
Now delinquent:
| 7 |
Revolving credit balance:
| $719 | Stated income: | $50,000-$74,999 |
Amount delinquent:
| $0 |
Bankcard utilization:
| 89% | | |
Public records last 12m / 10y:
| 0/ 1 |
Homeownership:
| Yes | | |
Delinquencies in last 7y:
| 20 | | | | |
Screen name:
| bazaar-jubilee3 |
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
Cleveland
Purpose of loan:
This loan will be used to fund unexpected expenses on a business trip.
My financial situation:
I am a good candidate for this loan because I am rebuilding my credit and have recently very positive credit.
Monthly net income: $3,500
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
463865
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount:
| $2,500.00 |
Prosper Rating:
| HR |
Auction Duration:
| 7 days
|
Term:
| 36 months |
Estimated loss:
| 19.0% | | |
| | |
|
Starting lender yield:
| 34.00% |
Starting borrower rate/APR:
| 35.00% / 37.45% |
Starting monthly payment:
| $113.09 |
|
Auction yield range:
| 16.98% - 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:
| Aug-1993 |
Debt/Income ratio:
| 19% |
Basic (1-10):
| 4 |
Inquiries last 6m:
| 1 | Employment status: | Full-time employee |
Enhanced (1-5): | 1 |
Current / open credit lines:
| 3
/
4 | Length of status: | 1y 11m |
Credit score:
| 620-639 (Jun-2010) |
Total credit lines:
| 50 |
Occupation: | Social Worker |
Now delinquent:
| 1 |
Revolving credit balance:
| $0 | Stated income: | $50,000-$74,999 |
Amount delinquent:
| $309 |
Bankcard utilization:
| 0% | | |
Public records last 12m / 10y:
| 0/ 1 |
Homeownership:
| No | | |
Delinquencies in last 7y:
| 26 | | | | |
Screen name:
| gentle-trade |
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:
| 9 ( 100% )
| 620-639 (Latest)
|
Principal borrowed:
| $1,600.00 | < 31 days late:
| 0
( 0% )
| 640-659
(Aug-2009)
|
Principal balance:
| $1,308.68 |
31+ days late:
| 0
( 0% )
|
Total payments billed:
| 9 | | |
Description
Help Black Mold We Need to Move
Purpose of loan:
This loan will be used to help my family and I move out of the home we currently reside in.? The home is full of black mold and is dangerous for us to remain in.? We need to pay off taxes we owe on the home and put a deposit down on a new rental.?
My financial situation:
I am a good candidate for this loan because despite having some finanacial problems in the past including a bankruptcy I am a responsible person.? I have excellant income and will be recieving a raise in July.? I have learned from my past mistakes and want to be able to move my family into a safer/cleaner home.?
Monthly net income: $ 3000
Monthly expenses: $?2185
??Housing: $ 550
??Insurance: $ 160
??Car expenses: $?509
??Utilities: $?400
??Phone, cable, internet: $ 100
??Food, entertainment: $ 50
??Clothing, household expenses $ 0
??Credit cards and other loans: $ 66.00
??Other expenses: $250 student loans
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
463871
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount:
| $12,500.00 |
Prosper Rating:
| B |
Auction Duration:
| 7 days
|
Term:
| 36 months |
Estimated loss:
| 5.0% | | |
| | |
|
Starting lender yield:
| 7.99% |
Starting borrower rate/APR:
| 8.99% / 11.08% |
Starting monthly payment:
| $397.44 |
|
Auction yield range:
| 5.98% - 7.99% |
Estimated loss impact:
| 5.12% | | |
Lender servicing fee:
| 1.00% |
Estimated return:
| 2.87% | | |
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper scores:
| |
First credit line:
| Sep-1997 |
Debt/Income ratio:
| 19% |
Basic (1-10):
| 8 |
Inquiries last 6m:
| 0 | Employment status: | Full-time employee |
Enhanced (1-5): | 5 |
Current / open credit lines:
| 10
/
10 | Length of status: | 1y 6m |
Credit score:
| 740-759 (Jun-2010) |
Total credit lines:
| 27 |
Occupation: | Professional |
Now delinquent:
| 0 |
Revolving credit balance:
| $14,604 | Stated income: | $50,000-$74,999 |
Amount delinquent:
| $0 |
Bankcard utilization:
| 48% | | |
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| No | | |
Delinquencies in last 7y:
| 0 | | | | |
Screen name:
| currency-jalapeno |
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
Consolidating Credit Card and Loan
Purpose of loan:
This loan will be used to consolidate credit card debt and an 8.99% loan to one low monthly payment. ????
My financial situation:
I am a good candidate for this loan because I have excellent credit history, I always pay on time and take repayment very seriously.
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
463877
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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:
| 19.06% |
Starting borrower rate/APR:
| 20.06% / 22.30% |
Starting monthly payment:
| $92.99 |
|
Auction yield range:
| 7.98% - 19.06% |
Estimated loss impact:
| 6.94% | | |
Lender servicing fee:
| 1.00% |
Estimated return:
| 12.12% | | |
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper scores:
| |
First credit line:
| Jun-1985 |
Debt/Income ratio:
| 28% |
Basic (1-10):
| 9 |
Inquiries last 6m:
| 0 | Employment status: | Full-time employee |
Enhanced (1-5): | 3 |
Current / open credit lines:
| 15
/
13 | Length of status: | 5y 3m |
Credit score:
| 680-699 (Jun-2010) |
Total credit lines:
| 19 |
Occupation: | Administrative Assi... |
Now delinquent:
| 0 |
Revolving credit balance:
| $76,826 | Stated income: | $25,000-$49,999 |
Amount delinquent:
| $0 |
Bankcard utilization:
| 89% | | |
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| Yes | | |
Delinquencies in last 7y:
| 0 | | | | |
Screen name:
| silver-surfer9 |
Borrower's state:
| Pennsylvania |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Description
Paying off a loan from my parents!
Purpose of loan:
This loan will be used to re-pay my parents ... they are experiencing some financial issues, so I really need to help them out by repaying their loan to me.
My financial situation:
I am a good candidate for this loan because I have a stable, full time job.? My husband works full-time, and brings in good?money.? We pay our bills on time, we are not frivolous spenders, and we are working at paying down our bad debt.
Monthly net income: $ 95,000 (husband and wife combined)
Monthly expenses: $ varies, as add'l $$ is paid to?credit cards weekly.
??Housing: $1300.
??Insurance: $ included in housing expense
??Car expenses: $85
??Utilities: $195
??Phone, cable, internet: $250
??Food, entertainment: $500
??Clothing, household expenses $ 200
??Credit cards and other loans: $ varies?
??Other expenses: $ varies
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
463889
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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:
| 12.98% |
Starting borrower rate/APR:
| 13.98% / 16.14% |
Starting monthly payment:
| $512.52 |
|
Auction yield range:
| 10.98% - 12.98% |
Estimated loss impact:
| 10.28% | | |
Lender servicing fee:
| 1.00% |
Estimated return:
| 2.70% | | |
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:
| Jul-1994 |
Debt/Income ratio:
| 33% |
Basic (1-10):
| 7 |
Inquiries last 6m:
| 0 | Employment status: | Full-time employee |
Enhanced (1-5): | 4 |
Current / open credit lines:
| 17
/
16 | Length of status: | 1y 3m |
Credit score:
| 740-759 (Jun-2010) |
Total credit lines:
| 38 |
Occupation: | Professional |
Now delinquent:
| 0 |
Revolving credit balance:
| $72,223 | Stated income: | $100,000+ |
Amount delinquent:
| $0 |
Bankcard utilization:
| 93% | | |
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| Yes | | |
Delinquencies in last 7y:
| 0 | | | | |
Screen name:
| hopeful-benefit5 |
Borrower's state:
| California |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Description
Home Improvement
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
463895
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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:
| 2 | Employment status: | Not employed |
Enhanced (1-5): | 4 |
Current / open credit lines:
| 12
/
12 | Length of status: | 0y 5m |
Credit score:
| 660-679 (Jun-2010) |
Total credit lines:
| 29 | Stated income: | Not employed |
Now delinquent:
| 1 |
Revolving credit balance:
| $6,231 | |
Amount delinquent:
| $13 |
Bankcard utilization:
| 29% | | |
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| No | | |
Delinquencies in last 7y:
| 0 | | | | |
Screen name:
| auction-tiger0 |
Borrower's state:
| NewJersey |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Description
paying creditcards start job soon
Purpose of loan:
This loan will be used to?
My financial situation:
I am a good candidate for this loan because? I have a high credit rating and will not missed any loan payments. I will be starting a new job soon.
Monthly net income:900 unemployeed$
Monthly expenses: 300$
??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
463897
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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:
| Jan-1988 |
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:
| 12
/
12 | Length of status: | 10y 2m |
Credit score:
| 740-759 (Jun-2010) |
Total credit lines:
| 27 |
Occupation: | Professional |
Now delinquent:
| 0 |
Revolving credit balance:
| $141,574 | Stated income: | $100,000+ |
Amount delinquent:
| $0 |
Bankcard utilization:
| 72% | | |
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| Yes | | |
Delinquencies in last 7y:
| 0 | | | | |
Screen name:
| responsibility-exchanger |
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 my credit cards
Purpose of loan:
This loan will be used to pay off credit card balances left over after a divorce.
My financial situation:
I am a good candidate for this loan because I have a good stable income and am trying to improve my rate to quicken the payoff period????
Monthly net income: $ 11000.00
Monthly expenses: $?8300.00
??Housing: $ 5300.00???
??Insurance: $? incl.
??Car expenses: $ 100.00
??Utilities: $ 700.00
??Phone, cable, internet: $ 200.00
??Food, entertainment: $ 500.00
??Clothing, household expenses $ 500.00
??Credit cards and other loans: $ 1000.00
??Other expenses: $
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
463901
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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:
| C |
Auction Duration:
| 7 days
|
Term:
| 36 months |
Estimated loss:
| 8.5% | | |
| | |
|
Starting lender yield:
| 23.56% |
Starting borrower rate/APR:
| 24.56% / 26.86% |
Starting monthly payment:
| $335.98 |
|
Auction yield range:
| 7.98% - 23.56% |
Estimated loss impact:
| 9.06% | | |
Lender servicing fee:
| 1.00% |
Estimated return:
| 14.50% | | |
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper scores:
| |
First credit line:
| Feb-1975 |
Debt/Income ratio:
| 93% |
Basic (1-10):
| 5 |
Inquiries last 6m:
| 3 | Employment status: | Full-time employee |
Enhanced (1-5): | 1 |
Current / open credit lines:
| 29
/
28 | Length of status: | 0y 3m |
Credit score:
| 780-799 (Jun-2010) |
Total credit lines:
| 96 |
Occupation: | Other |
Now delinquent:
| 0 |
Revolving credit balance:
| $67,692 | Stated income: | $25,000-$49,999 |
Amount delinquent:
| $0 |
Bankcard utilization:
| 76% | | |
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| Yes | | |
Delinquencies in last 7y:
| 0 | | | | |
Screen name:
| ponchita |
Borrower's state:
| Arizona |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan history | Payment history | Credit score history |
Active / total loans:
| 0 / 1 |
On-time:
| 1 ( 100% )
| 780-799 (Latest)
|
Principal borrowed:
| $5,000.00 | < 31 days late:
| 0
( 0% )
| 780-799
(May-2010)
780-799
(Mar-2010)
780-799
(Feb-2010)
780-799
(Nov-2009)
|
Principal balance:
| $0.00 |
31+ days late:
| 0
( 0% )
|
Total payments billed:
| 1 | | |
Description
Credit Card Relief
Purpose of loan:
I would like to consolidate my credit card debt into one monthly payment.?? This would be much easier and cheaper each month.
My financial situation:
Monthly Income???????????????????????????? $2800
Monthly Credit Card Payments??????? ?? 650
Utilities?????????????????????????????????????????? ??300
Car Expense???????????????????????????????????? 150
Phone, Cable, etc????????????????????????????? 180
Insurance????????????????????????? ??????????????? 100
Food & Clothing???????????????????????????????? 400
Savings???????????????????????????????????????????? 200
Total???????????????????????????????????????????? $?1980??????????????????????????????????
I have an excellent payment history and would not have a problem repaying
this loan.? I am employed and have a steady income.? I appreciate the lenders'????
response.
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
463907
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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:
| 33.99% |
Starting borrower rate/APR:
| 34.99% / 37.44% |
Starting monthly payment:
| $226.15 |
|
Auction yield range:
| 10.98% - 33.99% |
Estimated loss impact:
| 10.87% | | |
Lender servicing fee:
| 1.00% |
Estimated return:
| 23.12% | | |
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper scores:
| |
First credit line:
| Feb-1986 |
Debt/Income ratio:
| Not calculated |
Basic (1-10):
| 7 |
Inquiries last 6m:
| 0 | Employment status: | Not employed |
Enhanced (1-5): | 3 |
Current / open credit lines:
| 18
/
16 | Length of status: | 15y 0m |
Credit score:
| 640-659 (Jun-2010) |
Total credit lines:
| 31 | Stated income: | Not employed |
Now delinquent:
| 0 |
Revolving credit balance:
| $106,571 | |
Amount delinquent:
| $0 |
Bankcard utilization:
| 96% | | |
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| No | | |
Delinquencies in last 7y:
| 0 | | | | |
Screen name:
| aggresive-funds4 |
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 Credit Cards
Homemaker since started having?children in 1996.? Paying off credit cards in my name. No late or missed payments.
Total?Household Income $275,000
Homeowner-Mortgage $2,940/mo
Car Leases $599/mo and $645/mo
I AM A GOOD CREDIT RISK
My current experian score is 714 !!!!
I think prosper is picking up several credit lines that are in my spouses name since I don't have my own income (and my spouses credit?score is in the 650 range)
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
463909
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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:
| AA |
Auction Duration:
| 7 days
|
Term:
| 36 months |
Estimated loss:
| 1.5% | | |
| | |
|
Starting lender yield:
| 7.30% |
Starting borrower rate/APR:
| 8.30% / 8.64% |
Starting monthly payment:
| $188.85 |
|
Auction yield range:
| 2.98% - 7.30% |
Estimated loss impact:
| 1.50% | | |
Lender servicing fee:
| 1.00% |
Estimated return:
| 5.80% | | |
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments 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-1980 |
Debt/Income ratio:
| 2% |
Basic (1-10):
| 9 |
Inquiries last 6m:
| 0 | Employment status: | Full-time employee |
Enhanced (1-5): | 5 |
Current / open credit lines:
| 8
/
7 | Length of status: | 4y 9m |
Credit score:
| 840-859 (Jun-2010) |
Total credit lines:
| 22 |
Occupation: | Accountant/CPA |
Now delinquent:
| 0 |
Revolving credit balance:
| $3,877 | Stated income: | $100,000+ |
Amount delinquent:
| $0 |
Bankcard utilization:
| 26% | | |
Public records last 12m / 10y:
| 0/ 1 |
Homeownership:
| Yes | | |
Delinquencies in last 7y:
| 0 | | | | |
Screen name:
| a2190b |
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 / 2 |
On-time:
| 35 ( 100% )
| 840-859 (Latest)
|
Principal borrowed:
| $15,500.00 | < 31 days late:
| 0
( 0% )
| 840-859
(Oct-2009)
760-779
(Jun-2008)
760-779
(Nov-2007)
|
Principal balance:
| $0.00 |
31+ days late:
| 0
( 0% )
|
Total payments billed:
| 35 | | |
Description
Helping daughter
Purpose of loan:
This loan will be used to help pay off my daughter's credit card that she used to finish the attic in her house.? Bank of America raised her interest rate to 30.24 percent.? The rest of the funds will come from my own savings.? The B of A card amount is at $22,500.
My financial situation:
I am a good candidate for this loan because I am a Prosper lender and have had two Prosper loans fully paid off. I have a full-time local government job and a pension from the state as well.
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
463915
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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:
| Jan-1995 |
Debt/Income ratio:
| 30% |
Basic (1-10):
| 2 |
Inquiries last 6m:
| 4 | Employment status: | Full-time employee |
Enhanced (1-5): | 2 |
Current / open credit lines:
| 9
/
7 | Length of status: | 5y 10m |
Credit score:
| 740-759 (Jun-2010) |
Total credit lines:
| 47 |
Occupation: | Other |
Now delinquent:
| 6 |
Revolving credit balance:
| $2,429 | Stated income: | $50,000-$74,999 |
Amount delinquent:
| $9,908 |
Bankcard utilization:
| 11% | | |
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| No | | |
Delinquencies in last 7y:
| 17 | | | | |
Screen name:
| the-duty-runner |
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
Medical Emergency
Purpose of loan:
This loan will be used for a medical emergency surgery that my wife needs.
My financial situation:
I am a good candidate for this loan because I fullfill my debts and am also trying to get my credit score to 750+. I am currently at 641 and working to improve it. I am a manager at a billion dollar corporation and have been for the last 6 years. I will set up a bank draft to deduct each month for the monthly total due.
Monthly net income: $ 62,000
Monthly expenses: $
??Housing: $ 1300
??Insurance: $ 100
??Car expenses: $ 900
??Utilities: $ 150
??Phone, cable, internet: $ 150
??Food, entertainment: $ 300
??Clothing, household expenses $ 200
??Credit cards and other loans: $ 200
??Other expenses: $ 100
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
463921
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount:
| $2,500.00 |
Prosper Rating:
| A |
Auction Duration:
| 7 days
|
Term:
| 36 months |
Estimated loss:
| 2.1% | | |
| | |
|
Starting lender yield:
| 8.20% |
Starting borrower rate/APR:
| 9.20% / 11.30% |
Starting monthly payment:
| $79.73 |
|
Auction yield range:
| 3.98% - 8.20% |
Estimated loss impact:
| 2.12% | | |
Lender servicing fee:
| 1.00% |
Estimated return:
| 6.08% | | |
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper scores:
| |
First credit line:
| Aug-2002 |
Debt/Income ratio:
| 13% |
Basic (1-10):
| 9 |
Inquiries last 6m:
| 3 | Employment status: | Full-time employee |
Enhanced (1-5): | 4 |
Current / open credit lines:
| 12
/
12 | Length of status: | 2y 11m |
Credit score:
| 720-739 (Jun-2010) |
Total credit lines:
| 24 |
Occupation: | Teacher |
Now delinquent:
| 0 |
Revolving credit balance:
| $7,702 | Stated income: | $50,000-$74,999 |
Amount delinquent:
| $0 |
Bankcard utilization:
| 52% | | |
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| No | | |
Delinquencies in last 7y:
| 0 | | | | |
Screen name:
| fascinating-value871 |
Borrower's state:
| NewYork |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Description
Paying off my credit card
This loan will be used to pay off a credit card. The debt was acquired because I purchased a car and used it for the down payment. The down payment was more than I expected. However, the car came at such a reasonable price and will retain the resale value exceptionally well. The amount of interest paid for the $2000 down will be much less than the value of the car to me. I am a good candidate for this loan because I have a stable and steady paycheck every month. I will also be receiving a raise in one month, in which I can pay this loan off quicker than expected. My financial situation is like many other young professionals, tight at the first of the month, but I am responsible and reliable. I am a teacher and work very hard to instill these same ideals into my students.
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
463945
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount:
| $5,500.00 |
Prosper Rating:
| E |
Auction Duration:
| 7 days
|
Term:
| 36 months |
Estimated loss:
| 14.0% | | |
| | |
|
Starting lender yield:
| 24.00% |
Starting borrower rate/APR:
| 25.00% / 27.31% |
Starting monthly payment:
| $218.68 |
|
Auction yield range:
| 13.98% - 24.00% |
Estimated loss impact:
| 15.08% | | |
Lender servicing fee:
| 1.00% |
Estimated return:
| 8.92% | | |
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper scores:
| |
First credit line:
| Sep-1992 |
Debt/Income ratio:
| 36% |
Basic (1-10):
| 6 |
Inquiries last 6m:
| 0 | Employment status: | Full-time employee |
Enhanced (1-5): | 4 |
Current / open credit lines:
| 18
/
17 | Length of status: | 3y 5m |
Credit score:
| 660-679 (Jun-2010) |
Total credit lines:
| 33 |
Occupation: | Professional |
Now delinquent:
| 1 |
Revolving credit balance:
| $16,435 | Stated income: | $50,000-$74,999 |
Amount delinquent:
| $97 |
Bankcard utilization:
| 80% | | |
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| Yes | | |
Delinquencies in last 7y:
| 1 | | | | |
Screen name:
| JaxGM |
Borrower's state:
| Florida |
Borrower's group:
| 440+ Supporting Lenders. Get FUNDED @ LOWER % than ANY group |
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan history | Payment history | Credit score history |
Active / total loans:
| 1 / 1 |
On-time:
| 23 ( 100% )
| 660-679 (Latest)
|
Principal borrowed:
| $3,000.00 | < 31 days late:
| 0
( 0% )
| 620-639
(Jul-2009)
620-639
(Jun-2008)
560-579
(Oct-2006)
|
Principal balance:
| $1,375.89 |
31+ days late:
| 0
( 0% )
|
Total payments billed:
| 23 | | |
Description
Debt Consolidation
The purpose of this loan is to consolidate some debt and reduce the amount of interest I am paying. Part of this loan will also pay off my existing prosper loan. These current debts have monthly payments of $618 with rates from 29 to 33%. This consolidation will allow me to pay off other debts quicker and work on building up my savings again. The only negatives on my credit is a repossession and one or two late payments and this is all from a divorce in 2006, and these are items that my ex-wife was responsible for, but I ended up taking care of them to avoid more damage to my credit. Other than these items, the high balances on my credit cards is the only other thing that is pulling my score down. Net Monthly Income: $6,000
Mortgage (including taxes and insurance) $850
Car payments: $771 (two cars)
Insurance: $135
Utilities: $400
Student Loan: $95
IRS: $400 (paying off with loan)
Current Prosper Loan: $134 (Paying off with loan)
Credit Cards: $465
Total debt payments: $3,250The rest goes towards household expenses, gas, groceries (family of 5), repairs and maintenance, etc. If I neglected to cover something that you have a question about; feel free to contact me or post your question.
Thank you for your consideration.
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
463969
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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:
| 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:
| 35.50% | | |
Lender servicing fee:
| 1.00% |
Estimated return:
| -17.50% | | |
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-1985 |
Debt/Income ratio:
| 25% |
Basic (1-10):
| 1 |
Inquiries last 6m:
| 4 | Employment status: | Full-time employee |
Enhanced (1-5): | 2 |
Current / open credit lines:
| 18
/
14 | Length of status: | 0y 2m |
Credit score:
| 640-659 (Jun-2010) |
Total credit lines:
| 45 |
Occupation: | Accountant/CPA |
Now delinquent:
| 1 |
Revolving credit balance:
| $52,608 | Stated income: | $100,000+ |
Amount delinquent:
| $22 |
Bankcard utilization:
| 77% | | |
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| Yes | | |
Delinquencies in last 7y:
| 0 | | | | |
Screen name:
| gentle-camaraderi8 |
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 higher interest CCs
Purpose of loan:
This loan will be used to consolidate higher interest debt
My financial situation:
I am a good candidate for this loan because of my high annual income????????????
Monthly net income: $ 13000
Monthly expenses: $?9,500
??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
463975
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount:
| $9,500.00 |
Prosper Rating:
| 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:
| $328.62 |
|
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:
| Sep-1989 |
Debt/Income ratio:
| 13% |
Basic (1-10):
| 8 |
Inquiries last 6m:
| 1 | Employment status: | Full-time employee |
Enhanced (1-5): | 5 |
Current / open credit lines:
| 7
/
4 | Length of status: | 15y 11m |
Credit score:
| 720-739 (Jun-2010) |
Total credit lines:
| 22 |
Occupation: | Executive |
Now delinquent:
| 0 |
Revolving credit balance:
| $7,875 | Stated income: | $100,000+ |
Amount delinquent:
| $0 |
Bankcard utilization:
| 59% | | |
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| Yes | | |
Delinquencies in last 7y:
| 22 | | | | |
Screen name:
| wfcc |
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:
| 26 ( 100% )
| 720-739 (Latest)
|
Principal borrowed:
| $6,500.00 | < 31 days late:
| 0
( 0% )
| 720-739
(Dec-2009)
640-659
(Mar-2008)
|
Principal balance:
| $2,014.35 |
31+ days late:
| 0
( 0% )
|
Total payments billed:
| 26 | | |
Description
Final Debt Elimination Push
Purpose of loan:
This loan will be used to consolidate my last two credit debts so that I may close them and complete the process of eliminating my debt.
My financial situation:
I am applying for this loan in order to complete a final push to eliminate debt that I generated over a several year period in which I had to manage two major crises in my life - 1) a long nightmarish effort to obtain appropriate schooling and care for my special needs son and 2) a difficult divorce. Since I obtained my existing loan from Prosper almost two years ago, I have worked steadily to eliminate over 65% of my debt.
As background, I have two children ? a daughter age 12 and a son age 10. My son was born with severe cognitive and physical disabilities. A few years ago, I had to spend tremendous financial resources to obtain placement my son in the right school. He is now making great progress in his development. As a result, my expenses related to his care and schooling are now manageable and predictable. I just need to eliminate the debt I built up from this grueling process.
I am a very good candidate for several reasons:
1. I have a proven track record with Prosper as a reliable borrower
2. My debt is a one-time situation due a situation which has now been resolved
3. I have a long history of good credit prior to the issue I described above
4. I have a reliable, growing income with a strong, stable company
In sum, I am a stable, reliable professional who has experienced a major life-changing event which forced me into short-term debt. I appreciate your consideration.
Monthly net income: $ 7,400
Monthly expenses: approx. $6,000
Housing: $ 1,900
Insurance: $ 400
Car expenses: $0
Utilities: $ 200
Phone, cable, internet: $ 120
Food, entertainment: $? 400
Clothing, household expenses $ 300
Credit cards and other loans: $ 800
Child expenses: $1,900
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
463993
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount:
| $5,000.00 |
Prosper Rating:
| HR |
Auction Duration:
| 7 days
|
Term:
| 36 months |
Estimated loss:
| 18.0% | | |
| | |
|
Starting lender yield:
| 34.00% |
Starting borrower rate/APR:
| 35.00% / 37.45% |
Starting monthly payment:
| $226.18 |
|
Auction yield range:
| 16.98% - 34.00% |
Estimated loss impact:
| 20.01% | | |
Lender servicing fee:
| 1.00% |
Estimated return:
| 13.99% | | |
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper scores:
| |
First credit line:
| Apr-1989 |
Debt/Income ratio:
| Not calculated |
Basic (1-10):
| 4 |
Inquiries last 6m:
| 1 | Employment status: | Full-time employee |
Enhanced (1-5): | 3 |
Current / open credit lines:
| 5
/
5 | Length of status: | 40y 5m |
Credit score:
| 740-759 (Jun-2010) |
Total credit lines:
| 20 |
Occupation: | Construction |
Now delinquent:
| 1 |
Revolving credit balance:
| $2,342 | Stated income: | $25,000-$49,999 |
Amount delinquent:
| $2,086 |
Bankcard utilization:
| 25% | | |
Public records last 12m / 10y:
| 0/ 1 |
Homeownership:
| Yes | | |
Delinquencies in last 7y:
| 4 | | | | |
Screen name:
| invincible-reward |
Borrower's state:
| Louisiana |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Description
MATL PURCH FOR BOOMING CONSTR JOBS
Purpose of loan:
This loan will be used to? purchase materials - tile and grid for acoustical ceiling business jobs
My financial situation:
I am a good candidate for this loan because? I am the owner of my company?for the last 24years and currently
just completed rebuilding (after hurricane Katrina) our local catholic church and school, am in the process of trying to purchase
materials in order to bid on an expansion of a hospital in new orleans. New Orleans and surrounding areas are booming with
new and remodeling construction. The larger jobs require me to provide materials up front and get paid after. I have general liablity,
workers comp and a licence.
Monthly net income: $ 3500.00
Monthly expenses: $
??Housing: $ 500
??Insurance: $?200
??Car expenses: $ 370
??Utilities: $ 150
??Phone, cable, internet: $ 150
??Food, entertainment: $ 150
??Clothing, household expenses $ 100
??Credit cards and other loans: $ 150
??Other expenses: $ 0
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
463999
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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:
| Apr-1976 |
Debt/Income ratio:
| Not calculated |
Basic (1-10):
| 5 |
Inquiries last 6m:
| 4 | Employment status: | Retired |
Enhanced (1-5): | 4 |
Current / open credit lines:
| 14
/
12 | Length of status: | 4y 8m |
Credit score:
| 760-779 (Jun-2010) |
Total credit lines:
| 30 | Stated income: | $25,000-$49,999 |
Now delinquent:
| 0 |
Revolving credit balance:
| $13,089 | |
Amount delinquent:
| $0 |
Bankcard utilization:
| 33% | | |
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
464005
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount:
| $5,000.00 |
Prosper Rating:
| HR |
Auction Duration:
| 7 days
|
Term:
| 36 months |
Estimated loss:
| 18.0% | | |
| | |
|
Starting lender yield:
| 17.00% |
Starting borrower rate/APR:
| 18.00% / 20.21% |
Starting monthly payment:
| $180.76 |
|
Auction yield range:
| 16.98% - 17.00% |
Estimated loss impact:
| 18.94% | | |
Lender servicing fee:
| 1.00% |
Estimated return:
| -1.94% | | |
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper scores:
| |
First credit line:
| Jul-2001 |
Debt/Income ratio:
| 8% |
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: | 5y 8m |
Credit score:
| 720-739 (Jun-2010) |
Total credit lines:
| 14 |
Occupation: | Professional |
Now delinquent:
| 1 |
Revolving credit balance:
| $44,138 | Stated income: | $75,000-$99,999 |
Amount delinquent:
| $41 |
Bankcard utilization:
| 84% | | |
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| Yes | | |
Delinquencies in last 7y:
| 3 | | | | |
Screen name:
| brightest-diversification-gazer |
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
Home Repairs/Improvements Plus
Loan to be primarily used for unexpected home repairs/improvements needed ?including but not limited to replacement of old furnace/air conditioning system and a collapsed landscaping retaining wall. Loan will additionally help fund a portion of daughter?s summer camp fees. Additional other home repair issues earlier in the spring impacted the house savings fund and prompted this loan request.
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
464011
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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:
| Jan-1982 |
Debt/Income ratio:
| 30% |
Basic (1-10):
| 10 |
Inquiries last 6m:
| 2 | Employment status: | Full-time employee |
Enhanced (1-5): | 3 |
Current / open credit lines:
| 6
/
4 | Length of status: | 2y 8m |
Credit score:
| 700-719 (Jun-2010) |
Total credit lines:
| 17 |
Occupation: | Other |
Now delinquent:
| 0 |
Revolving credit balance:
| $17,190 | Stated income: | $1-$24,999 |
Amount delinquent:
| $0 |
Bankcard utilization:
| 53% | | |
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| No | | |
Delinquencies in last 7y:
| 0 | | | | |
Screen name:
| mindful-commerce8 |
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
car repairs
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
464017
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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:
| 14.00% |
Starting borrower rate/APR:
| 15.00% / 15.36% |
Starting monthly payment:
| $34.67 |
|
Auction yield range:
| 2.98% - 14.00% |
Estimated loss impact:
| 0.62% | | |
Lender servicing fee:
| 1.00% |
Estimated return:
| 13.38% | | |
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper scores:
| |
First credit line:
| Feb-1990 |
Debt/Income ratio:
| 21% |
Basic (1-10):
| 10 |
Inquiries last 6m:
| 0 | Employment status: | Full-time employee |
Enhanced (1-5): | 3 |
Current / open credit lines:
| 9
/
7 | Length of status: | 4y 2m |
Credit score:
| 720-739 (May-2010) |
Total credit lines:
| 42 |
Occupation: | Attorney |
Now delinquent:
| 0 |
Revolving credit balance:
| $199,169 | Stated income: | $100,000+ |
Amount delinquent:
| $0 |
Bankcard utilization:
| 98% | | |
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| Yes | | |
Delinquencies in last 7y:
| 0 | | | | |
Screen name:
| pound-hot-rod |
Borrower's state:
| Alabama |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Description
Paying off a debt.
Purpose of loan:
This loan will be used to pay off a debt.
My financial situation:
I am a good candidate for this loan because as you can see I have no?accounts delinquent and I pay my bills on time.???
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
464023
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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:
| May-2001 |
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:
| 2
/
2 | Length of status: | 0y 5m |
Credit score:
| 780-799 (Jun-2010) |
Total credit lines:
| 12 |
Occupation: | Other |
Now delinquent:
| 0 |
Revolving credit balance:
| $5 | Stated income: | $25,000-$49,999 |
Amount delinquent:
| $0 |
Bankcard utilization:
| 0% | | |
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| Yes | | |
Delinquencies in last 7y:
| 0 | | | | |
Screen name:
| restless-funds7 |
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
Bills, wedding, home
Purpose of loan:
This loan will be used to?
pay off my mortgage, pay for my wedding, consolidate my bills, and to buy some much needed equipment for my photography.
My financial situation:
I am a good candidate for this loan because?
I always pay my bills 100% and on time.
Monthly net income: $
2200
Monthly expenses: $
??Housing: $
227
??Insurance: $
68
??Car expenses: $
00
??Utilities: $
120
??Phone, cable, internet: $
114
??Food, entertainment: $
220
??Clothing, household expenses $
100
??Credit cards and other loans: $
35
??Other expenses: $
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
464035
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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:
| Aug-1999 |
Debt/Income ratio:
| 22% |
Basic (1-10):
| 8 |
Inquiries last 6m:
| 0 | Employment status: | Full-time employee |
Enhanced (1-5): | 3 |
Current / open credit lines:
| 7
/
7 | Length of status: | 0y 1m |
Credit score:
| 660-679 (Jun-2010) |
Total credit lines:
| 18 |
Occupation: | Other |
Now delinquent:
| 2 |
Revolving credit balance:
| $25,135 | Stated income: | $50,000-$74,999 |
Amount delinquent:
| $650 |
Bankcard utilization:
| 92% | | |
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| Yes | | |
Delinquencies in last 7y:
| 23 | | | | |
Screen name:
| principal-revolutionary |
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 bills
Purpose of loan:
This loan will be used to?
pay off some bills that I have.
My financial situation:
I am a good candidate for this loan because?
I just started a new job and need to get caught up on some bills.
Monthly net income: $
4000
Monthly expenses: $
??Housing: $
1200
??Insurance: $
100
??Car expenses: $
100
??Utilities: $
200
??Phone, cable, internet: $
150
??Food, entertainment: $
400
??Clothing, household expenses $
??Credit cards and other loans: $
500
??Other expenses: $
400
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
464053
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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:
| Feb-1975 |
Debt/Income ratio:
| 28% |
Basic (1-10):
| 6 |
Inquiries last 6m:
| 3 | Employment status: | Full-time employee |
Enhanced (1-5): | 2 |
Current / open credit lines:
| 17
/
16 | Length of status: | 39y 6m |
Credit score:
| 800-819 (Jun-2010) |
Total credit lines:
| 50 |
Occupation: | Other |
Now delinquent:
| 0 |
Revolving credit balance:
| $35,182 | Stated income: | $50,000-$74,999 |
Amount delinquent:
| $0 |
Bankcard utilization:
| 64% | | |
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| Yes | | |
Delinquencies in last 7y:
| 0 | | | | |
Screen name:
| fresco-cash |
Borrower's state:
| Arizona |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Description
Becoming Debt Free
Purpose of loan:
This loan will be used to consolidate?credit card debt.? I would rather have one
monthly payment.? I am an ideal candidate for this loan due to my personal
financial situation and my excellent credit history.
My financial situation:
I have an excellent payment history and?very good credit.? I am responsible, have a good? job with a steady income.??I will have no trouble making the monthly Prosper payment.
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
464059
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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:
| Feb-1987 |
Debt/Income ratio:
| 43% |
Basic (1-10):
| 8 |
Inquiries last 6m:
| 0 | Employment status: | Full-time employee |
Enhanced (1-5): | 4 |
Current / open credit lines:
| 7
/
7 | Length of status: | 0y 10m |
Credit score:
| 660-679 (Jun-2010) |
Total credit lines:
| 17 |
Occupation: | Other |
Now delinquent:
| 0 |
Revolving credit balance:
| $31,121 | Stated income: | $50,000-$74,999 |
Amount delinquent:
| $0 |
Bankcard utilization:
| 90% | | |
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| No | | |
Delinquencies in last 7y:
| 0 | | | | |
Screen name:
| pure-dime |
Borrower's state:
| Washington |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Description
My personal loan for my business
Purpose of loan:
This loan will be used to finish funding a unique fantasy web site that will earn profit from subscribers as well as advertising. The site will draw from a ready-made customer base of 25 million fantasy sports enthusiasts. The site is expected to launch by the end of the year.
My financial situation:
I am a good candidate for this loan because I have excellent credit and?will be able to pay it back even in the unlikely event the web site does not succeed.
Monthly net income: $3,400
Monthly expenses: $2,770?
??Housing: $790?
??Phone, cable, Internet: $80?
??Food, other: $400?
??Credit cards and other loans: $1,500?
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
464065
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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:
| AA |
Auction Duration:
| 7 days
|
Term:
| 36 months |
Estimated loss:
| 1.5% | | |
| | |
|
Starting lender yield:
| 12.24% |
Starting borrower rate/APR:
| 14.24% / 14.59% |
Starting monthly payment:
| $222.91 |
|
Auction yield range:
| 2.98% - 12.24% |
Estimated loss impact:
| 1.52% | | |
Lender servicing fee:
| 1.00% |
Estimated return:
| 10.72% | | |
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-1996 |
Debt/Income ratio:
| 7% |
Basic (1-10):
| 6 |
Inquiries last 6m:
| 1 | Employment status: | Full-time employee |
Enhanced (1-5): | 4 |
Current / open credit lines:
| 5
/
5 | Length of status: | 28y 5m |
Credit score:
| 800-819 (Jun-2010) |
Total credit lines:
| 13 |
Occupation: | Skilled Labor |
Now delinquent:
| 1 |
Revolving credit balance:
| $0 | Stated income: | $25,000-$49,999 |
Amount delinquent:
| $0 |
Bankcard utilization:
| 0% | | |
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| Yes | | |
Delinquencies in last 7y:
| 3 | | | | |
Screen name:
| caring-reward |
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
Expenses On Truck
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
464133
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount:
| $3,600.00 |
Prosper Rating:
| AA |
Auction Duration:
| 7 days
|
Term:
| 36 months |
Estimated loss:
| 1.5% | | |
| | |
|
Starting lender yield:
| 8.99% |
Starting borrower rate/APR:
| 9.99% / 10.33% |
Starting monthly payment:
| $116.14 |
|
Auction yield range:
| 2.98% - 8.99% |
Estimated loss impact:
| 1.51% | | |
Lender servicing fee:
| 1.00% |
Estimated return:
| 7.48% | | |
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper scores:
| |
First credit line:
| Aug-1996 |
Debt/Income ratio:
| 21% |
Basic (1-10):
| 7 |
Inquiries last 6m:
| 0 | Employment status: | Full-time employee |
Enhanced (1-5): | 5 |
Current / open credit lines:
| 9
/
9 | Length of status: | 6y 2m |
Credit score:
| 800-819 (Jun-2010) |
Total credit lines:
| 19 |
Occupation: | Retail Management |
Now delinquent:
| 0 |
Revolving credit balance:
| $7,834 | Stated income: | $50,000-$74,999 |
Amount delinquent:
| $0 |
Bankcard utilization:
| 94% | | |
Public records last 12m / 10y:
| 0/ 3 |
Homeownership:
| Yes | | |
Delinquencies in last 7y:
| 0 | | | | |
Screen name:
| hsimpsonucf |
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
FLOOD DAMAGE - please help
Purpose of loan:
The purpose of this loan is to help pay for home repairs from the FLOOD we had here in Nashville that nobody seemed to hear about.? I should have this paid off relatively quickly.? I just need new carpeting, repairs to the wood flooring, and need to replace some furniture.? I was relatively lucky as much of my neighborhood lost everything!? Flood waters reached the second floor of many homes here.? I would be eternally grateful for your help.? I will be glad to answer any of your questions.? Thank you for your consideration and have a wonderful day!
My financial situation:
My credit is in good standing now as can be seen in my "Enhanced score of 5" on here.? The "base score of 7" can be explained because I simply screwed up my credit 7+ years ago from which I have almost made a full recovery!? I guess that is what a stable job of 5+ years can do for you.? Well that, and age of course! =)
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
464139
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount:
| $2,000.00 |
Prosper Rating:
| D |
Auction Duration:
| 7 days
|
Term:
| 36 months |
Estimated loss:
| 10.0% | | |
| | |
|
Starting lender yield:
| 25.38% |
Starting borrower rate/APR:
| 26.38% / 28.71% |
Starting monthly payment:
| $80.99 |
|
Auction yield range:
| 10.98% - 25.38% |
Estimated loss impact:
| 10.63% | | |
Lender servicing fee:
| 1.00% |
Estimated return:
| 14.75% | | |
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper scores:
| |
First credit line:
| Oct-1994 |
Debt/Income ratio:
| 24% |
Basic (1-10):
| 6 |
Inquiries last 6m:
| 2 | Employment status: | Full-time employee |
Enhanced (1-5): | 2 |
Current / open credit lines:
| 8
/
8 | Length of status: | 0y 7m |
Credit score:
| 700-719 (Jun-2010) |
Total credit lines:
| 37 |
Occupation: | Other |
Now delinquent:
| 0 |
Revolving credit balance:
| $8,810 | Stated income: | $50,000-$74,999 |
Amount delinquent:
| $0 |
Bankcard utilization:
| 98% | | |
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| Yes | | |
Delinquencies in last 7y:
| 0 | | | | |
Screen name:
| quiche |
Borrower's state:
| Maryland |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan history | Payment history | Credit score history |
Active / total loans:
| 0 / 1 |
On-time:
| 7 ( 100% )
| 700-719 (Latest)
|
Principal borrowed:
| $1,500.00 | < 31 days late:
| 0
( 0% )
| 580-599
(Jun-2008)
|
Principal balance:
| $0.00 |
31+ days late:
| 0
( 0% )
|
Total payments billed:
| 7 | | |
Description
Pay unexpected medical bills
Purpose of loan:
This loan will be used to?? Pay off medical bills from an unexpected illness and to pay off two smaller credit card balances.
My financial situation:
I am a good candidate for this loan because? I have not had any delinquencies in at least four years and part of my getting this loan is to keep my credit score up by taking care of the unexpected medical bills.? Also, I had a previous loan through prosper and I made good on the loan.? Also, I have a full and part time job, I have a real estate license, and I am currently studying for a master's degree in property management.
Monthly net income: $ 3600
Monthly expenses: $
??Housing: $ 1524
??Insurance: $ 50
??Car expenses: $ 70
??Utilities: $
??Phone, cable, internet: $ 0
??Food, entertainment: $ 100
??Clothing, household expenses $ 100
??Credit cards and other loans: $?675
??Other expenses: $
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
464157
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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:
| Jul-1996 |
Debt/Income ratio:
| 6% |
Basic (1-10):
| 9 |
Inquiries last 6m:
| 1 | Employment status: | Full-time employee |
Enhanced (1-5): | 3 |
Current / open credit lines:
| 2
/
2 | Length of status: | 9y 9m |
Credit score:
| 720-739 (Jun-2010) |
Total credit lines:
| 32 |
Occupation: | Other |
Now delinquent:
| 1 |
Revolving credit balance:
| $48,802 | Stated income: | $25,000-$49,999 |
Amount delinquent:
| $938 |
Bankcard utilization:
| 71% | | |
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| No | | |
Delinquencies in last 7y:
| 0 | | | | |
Screen name:
| glassman1996 |
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:
| 27 ( 100% )
| 720-739 (Latest)
|
Principal borrowed:
| $2,500.00 | < 31 days late:
| 0
( 0% )
| 700-719
(Mar-2008)
660-679
(Dec-2007)
|
Principal balance:
| $738.79 |
31+ days late:
| 0
( 0% )
|
Total payments billed:
| 27 | | |
Description
Catching up from injury.
Purpose of loan:
This loan will be used to?catch up on some bills we fell behind on due to an injury and out of work.?I am self-employed am at back to work and as everyone knows work is slow.? I am back at work and the money is there just slow.? When I do insurance autoglass work it take about a month for me to get payments from them.? Unfortunately I have to pay for my glass and supplies upfront and this takes away from my other bills.? This 2500 dollars will help me big time to catch up on everything pretty much.? This past month-month and a half has been the worst.? Thank goodness for?Prosper and the?kindness of others..it is really a blessing.? Thanks from myself, my wife and kids.??PS(We have even been working really hard at our garder(3rd?year) and canning all our own?veggies and fruits and meats.)? This is such a great savings from the grocery store and better for you.? Thanks again to all that can help me.?
My financial situation:
I am a good candidate for this loan because? I will pay my debts.? I am a hard worker and feel that I bought it, I will pay for it.?? We are trying to sell our personnal pickup to get caught up but everyone is tight with money.? I will pay my debts.? The business is starting slowly to pick back up and hopefullly will continue.
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
464163
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount:
| $10,000.00 |
Prosper Rating:
| D |
Auction Duration:
| 7 days
|
Term:
| 36 months |
Estimated loss:
| 10.0% | | |
| | |
|
Starting lender yield:
| 14.00% |
Starting borrower rate/APR:
| 15.00% / 17.17% |
Starting monthly payment:
| $346.65 |
|
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:
| 39% |
Basic (1-10):
| 6 |
Inquiries last 6m:
| 1 | Employment status: | Full-time employee |
Enhanced (1-5): | 4 |
Current / open credit lines:
| 10
/
5 | Length of status: | 2y 7m |
Credit score:
| 720-739 (Jun-2010) |
Total credit lines:
| 29 |
Occupation: | Accountant/CPA |
Now delinquent:
| 0 |
Revolving credit balance:
| $3,278 | Stated income: | $25,000-$49,999 |
Amount delinquent:
| $0 |
Bankcard utilization:
| 23% | | |
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| No | | |
Delinquencies in last 7y:
| 0 | | | | |
Screen name:
| Jhawk37750 |
Borrower's state:
| Texas |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Description
Paying off Credit Cards
Purpose of loan:
This loan will be used to pay off those darn credit cards.
My financial situation:
I am a good candidate for this loan because I have no negative marks on my credit report, I have excellent credit.
Monthly net income: $ 1700
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
464169
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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:
| 19.00% |
Starting borrower rate/APR:
| 20.00% / 22.24% |
Starting monthly payment:
| $483.13 |
|
Auction yield range:
| 16.98% - 19.00% |
Estimated loss impact:
| 26.06% | | |
Lender servicing fee:
| 1.00% |
Estimated return:
| -7.06% | | |
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper scores:
| |
First credit line:
| Sep-1999 |
Debt/Income ratio:
| 46% |
Basic (1-10):
| 2 |
Inquiries last 6m:
| 6 | Employment status: | Full-time employee |
Enhanced (1-5): | 2 |
Current / open credit lines:
| 9
/
6 | Length of status: | 0y 10m |
Credit score:
| 660-679 (Jun-2010) |
Total credit lines:
| 31 |
Occupation: | Teacher |
Now delinquent:
| 0 |
Revolving credit balance:
| $1,830 | Stated income: | $25,000-$49,999 |
Amount delinquent:
| $0 |
Bankcard utilization:
| 16% | | |
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| No | | |
Delinquencies in last 7y:
| 4 | | | | |
Screen name:
| newest-benefit-aspen |
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
Pay off my debt
Purpose of loan:
This loan will be used to? used to consolidate all my credit into one account. I have credit that is in my parents name that I am trying to consolidate into my name. I am taking responsibility for my mistakes.
My financial situation:
I am a good candidate for this loan because? I am a hardworker, I have been in my profession for over 5 years now. I have stable income that is coming in to pay for my debt. I want to pay off my debt inorder to buy a home and start a familly.
Monthly net income: $ 39000
Monthly expenses: $
??Housing: $ 400
??Insurance: $ 80
??Car expenses: $ paid?off
??Utilities: $ 150
??Phone, cable, internet: $ 100
??Food, entertainment: $?200
??Clothing, household expenses $ 100
??Credit cards and other loans: $700
??Other expenses: $ 250
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
464181
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount:
| $2,000.00 |
Prosper Rating:
| C |
Auction Duration:
| 7 days
|
Term:
| 36 months |
Estimated loss:
| 6.5% | | |
| | |
|
Starting lender yield:
| 18.90% |
Starting borrower rate/APR:
| 19.90% / 22.14% |
Starting monthly payment:
| $74.23 |
|
Auction yield range:
| 7.98% - 18.90% |
Estimated loss impact:
| 6.94% | | |
Lender servicing fee:
| 1.00% |
Estimated return:
| 11.96% | | |
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper scores:
| |
First credit line:
| Jan-2000 |
Debt/Income ratio:
| 17% |
Basic (1-10):
| 10 |
Inquiries last 6m:
| 2 | Employment status: | Full-time employee |
Enhanced (1-5): | 4 |
Current / open credit lines:
| 13
/
11 | Length of status: | 2y 6m |
Credit score:
| 660-679 (Jun-2010) |
Total credit lines:
| 33 |
Occupation: | Scientist |
Now delinquent:
| 0 |
Revolving credit balance:
| $40,465 | Stated income: | $75,000-$99,999 |
Amount delinquent:
| $0 |
Bankcard utilization:
| 71% | | |
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| Yes | | |
Delinquencies in last 7y:
| 0 | | | | |
Screen name:
| broadcaster968 |
Borrower's state:
| Massachusetts |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Description
BUSINESSSTARTER
Purpose of loan:
This loan will be used to take a vocation to Europe with my mom.
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
464187
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount:
| $10,000.00 |
Prosper Rating:
| D |
Auction Duration:
| 7 days
|
Term:
| 36 months |
Estimated loss:
| 10.0% | | |
| | |
|
Starting lender yield:
| 27.38% |
Starting borrower rate/APR:
| 28.38% / 30.73% |
Starting monthly payment:
| $415.69 |
|
Auction yield range:
| 10.98% - 27.38% |
Estimated loss impact:
| 10.68% | | |
Lender servicing fee:
| 1.00% |
Estimated return:
| 16.70% | | |
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper scores:
| |
First credit line:
| Oct-1999 |
Debt/Income ratio:
| 24% |
Basic (1-10):
| 6 |
Inquiries last 6m:
| 3 | Employment status: | Full-time employee |
Enhanced (1-5): | 3 |
Current / open credit lines:
| 16
/
14 | Length of status: | 13y 0m |
Credit score:
| 700-719 (Jun-2010) |
Total credit lines:
| 30 |
Occupation: | Engineer - Mechanic... |
Now delinquent:
| 0 |
Revolving credit balance:
| $23,737 | Stated income: | $100,000+ |
Amount delinquent:
| $0 |
Bankcard utilization:
| 72% | | |
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| Yes | | |
Delinquencies in last 7y:
| 0 | | | | |
Screen name:
| bewitching-contract |
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
Getting out of debt
Purpose of loan:
This loan will be used to?
Consolidate Debt to a lower payment to where I can double up loan payment
My financial situation:
I am a good candidate for this loan because?
I pay my bills on time
Monthly net income: $
$4500
Monthly expenses: $
??Housing: $ 1200??
??Insurance: $ 75????
??Car expenses: $ 1000
??Utilities: $ 125
??Phone, cable, internet: $ 200
??Food, entertainment: $ 50
??Clothing, household expenses $ 200
??Credit cards and other loans: $ 1500
??Other expenses: $
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
464199
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount:
| $15,000.00 |
Prosper Rating:
| E |
Auction Duration:
| 7 days
|
Term:
| 36 months |
Estimated loss:
| 14.0% | | |
| | |
|
Starting lender yield:
| 17.00% |
Starting borrower rate/APR:
| 18.00% / 20.21% |
Starting monthly payment:
| $542.29 |
|
Auction yield range:
| 13.98% - 17.00% |
Estimated loss impact:
| 14.75% | | |
Lender servicing fee:
| 1.00% |
Estimated return:
| 2.25% | | |
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper scores:
| |
First credit line:
| Oct-1993 |
Debt/Income ratio:
| 38% |
Basic (1-10):
| 6 |
Inquiries last 6m:
| 0 | Employment status: | Full-time employee |
Enhanced (1-5): | 4 |
Current / open credit lines:
| 12
/
11 | Length of status: | 18y 7m |
Credit score:
| 660-679 (Jun-2010) |
Total credit lines:
| 26 |
Occupation: | Military Officer |
Now delinquent:
| 0 |
Revolving credit balance:
| $48,123 | Stated income: | $75,000-$99,999 |
Amount delinquent:
| $0 |
Bankcard utilization:
| 92% | | |
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| Yes | | |
Delinquencies in last 7y:
| 0 | | | | |
Screen name:
| lean-yield7 |
Borrower's state:
| Tennessee |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Description
Debt Consolidation
Purpose of loan:
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
464211
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount:
| $20,000.00 |
Prosper Rating:
| HR |
Auction Duration:
| 7 days
|
Term:
| 36 months |
Estimated loss:
| 18.0% | | |
| | |
|
Starting lender yield:
| 17.00% |
Starting borrower rate/APR:
| 18.00% / 20.21% |
Starting monthly payment:
| $723.05 |
|
Auction yield range:
| 16.98% - 17.00% |
Estimated loss impact:
| 18.94% | | |
Lender servicing fee:
| 1.00% |
Estimated return:
| -1.94% | | |
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper scores:
| |
First credit line:
| Apr-2004 |
Debt/Income ratio:
| 83% |
Basic (1-10):
| 2 |
Inquiries last 6m:
| 4 | Employment status: | Part-time employee |
Enhanced (1-5): | 2 |
Current / open credit lines:
| 6
/
6 | Length of status: | 0y 10m |
Credit score:
| 720-739 (Jun-2010) |
Total credit lines:
| 16 |
Occupation: | Other |
Now delinquent:
| 0 |
Revolving credit balance:
| $3,687 | Stated income: | $1-$24,999 |
Amount delinquent:
| $0 |
Bankcard utilization:
| 28% | | |
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| No | | |
Delinquencies in last 7y:
| 0 | | | | |
Screen name:
| exact-balance948 |
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
Loan for prospering restaurant
Purpose of loan:
This loan will be used to purchase an already running restaurant in a Flea Market. The restaurant is extremely busy and still has plenty of room for growth!
My financial situation:
I am a good candidate for this loan because I have a solid professional background in Business Management/Human Resources, which will prove to be beneficial in any industry. I am serious about keeping my credit score excellent. I make sure all payments are on time. My financial situation is great right now. I have a domestic partner who takes care of all the bills. I currently work as a PCA, with a net income of $22,000. I have also started working a Human Resources professional, with a net income of $37,000. I also have saving accounts with 20k+. I will be willing to provide bank documentations and pay stubs as proof.
Monthly net income: $4,900
Monthly expenses: $
??Housing: $ 0
??Insurance: $ 0
??Car expenses: $ 0
??Utilities: $ 0
??Phone, cable, internet: $ 0
??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
464223
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount:
| $9,000.00 |
Prosper Rating:
| AA |
Auction Duration:
| 7 days
|
Term:
| 36 months |
Estimated loss:
| 1.5% | | |
| | |
|
Starting lender yield:
| 8.30% |
Starting borrower rate/APR:
| 9.30% / 9.64% |
Starting monthly payment:
| $287.46 |
|
Auction yield range:
| 2.98% - 8.30% |
Estimated loss impact:
| 1.50% | | |
Lender servicing fee:
| 1.00% |
Estimated return:
| 6.80% | | |
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper scores:
| |
First credit line:
| May-1990 |
Debt/Income ratio:
| 24% |
Basic (1-10):
| 9 |
Inquiries last 6m:
| 0 | Employment status: | Full-time employee |
Enhanced (1-5): | 5 |
Current / open credit lines:
| 9
/
9 | Length of status: | 17y 10m |
Credit score:
| 840-859 (Jun-2010) |
Total credit lines:
| 26 |
Occupation: | Administrative Assi... |
Now delinquent:
| 0 |
Revolving credit balance:
| $266 | Stated income: | $25,000-$49,999 |
Amount delinquent:
| $0 |
Bankcard utilization:
| 0% | | |
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| Yes | | |
Delinquencies in last 7y:
| 0 | | | | |
Screen name:
| fascinating-moola4 |
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
New Fence and Painting the House
Purpose of loan:
This loan will be used to?
Fund a new cedar fence with electric gate..and to paint/texture the inside of the house along with a new dishwasher.
My financial situation:
I am a good candidate for this loan because?
I have stable employment for the last 18years and I?have exceptional credit.
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
464229
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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:
| 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:
| $266.24 |
|
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-1997 |
Debt/Income ratio:
| 27% |
Basic (1-10):
| 7 |
Inquiries last 6m:
| 0 | Employment status: | Full-time employee |
Enhanced (1-5): | 4 |
Current / open credit lines:
| 10
/
8 | Length of status: | 6y 0m |
Credit score:
| 680-699 (Jun-2010) |
Total credit lines:
| 22 |
Occupation: | Administrative Assi... |
Now delinquent:
| 0 |
Revolving credit balance:
| $5,187 | Stated income: | $25,000-$49,999 |
Amount delinquent:
| $0 |
Bankcard utilization:
| 69% | | |
Public records last 12m / 10y:
| 0/ 1 |
Homeownership:
| Yes | | |
Delinquencies in last 7y:
| 0 | | | | |
Screen name:
| newest-favorable-loan |
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
Combine All-in-1Payment To Catch-Up
Purpose of loan:
This loan will be used?to put together Dental/Medical Bills,?payoff Dell Financial account which is now closed and help?both of my son who are not able to find jobs at the moment and I would like to be able to?help pay a couple of their outstanding?debt.
My financial situation:
I am a good candidate for this loan because?my?job here at Bentley School is very steady, secured,?and I am very happy here.?I am also very much well appreciated by my employer and as well as all families?who attend to this school. My husband may be stingy when it comes to money, but he does provide his half for all household expenses.
Monthly net income: $ 2815.88
Monthly expenses: $
??Housing: $ 2300
??Insurance: $ 246
??Car expenses: $ 250
??Utilities: $ 179
??Phone, cable, internet: $ 264
??Food, entertainment: $?300
??Clothing, household expenses $ 200
??Credit cards and other loans: $ 567?
??Other expenses: $
Information in the Description is not verified.