Listing Report:Supplement No. 288 dated Jul 19, 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
396796
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount:
| $15,000.00 |
Prosper Rating:
| HR |
Auction Duration:
| 7 days
|
Term:
| 36 months |
Estimated loss:
| 18.0% | | |
| | |
|
Starting lender yield:
| 34.00% |
Starting borrower rate/APR:
| 35.00% / 37.45% |
Starting monthly payment:
| $678.54 |
|
Auction yield range:
| 16.93% - 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-1999 |
Debt/Income ratio:
| 27% |
Basic (1-10):
| 4 |
Inquiries last 6m:
| 3 | Employment status: | Full-time employee |
Enhanced (1-5): | 4 |
Current / open credit lines:
| 8
/
8 | Length of status: | 5y 4m |
Credit score:
| 760-779 (Jul-2010) |
Total credit lines:
| 15 |
Occupation: | Other |
Now delinquent:
| 0 |
Revolving credit balance:
| $11,816 | Stated income: | $25,000-$49,999 |
Amount delinquent:
| $0 |
Bankcard utilization:
| 40% | | |
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| Yes | | |
Delinquencies in last 7y:
| 0 | | | | |
Screen name:
| return-negotiator231 |
Borrower's state:
| Washington |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Description
Paying of my credit card
Purpose of loan:
This loan will be used to? Pay off most of my credit debt
My financial situation:
I am a good candidate for this loan because? I never missed a (credit card) or (Auto) payment ever...
Monthly net income: $ 2400
Monthly expenses: $
??Housing: $
??Insurance: $ 110
??Car expenses: $ 100
??Utilities: $
??Phone, cable, internet: $
??Food, entertainment: $ 100
??Clothing, household expenses $
??Credit cards and other loans: $ 450
??Other expenses: $
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
398664
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount:
| $2,700.00 |
Prosper Rating:
| 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:
| $83.49 |
|
Auction yield range:
| 2.93% - 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-1975 |
Debt/Income ratio:
| 15% |
Basic (1-10):
| 10 |
Inquiries last 6m:
| 0 | Employment status: | Full-time employee |
Enhanced (1-5): | 5 |
Current / open credit lines:
| 14
/
10 | Length of status: | 3y 9m |
Credit score:
| 740-759 (Jul-2010) |
Total credit lines:
| 46 |
Occupation: | Analyst |
Now delinquent:
| 0 |
Revolving credit balance:
| $8,074 | Stated income: | $50,000-$74,999 |
Amount delinquent:
| $0 |
Bankcard utilization:
| 15% | | |
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| No | | |
Delinquencies in last 7y:
| 0 | | | | |
Screen name:
| SFplaya |
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:
| 2 ( 100% )
| 740-759 (Latest)
|
Principal borrowed:
| $5,000.00 | < 31 days late:
| 0
( 0% )
| 740-759
(Aug-2007)
760-779
(Feb-2007)
|
Principal balance:
| $0.01 |
31+ days late:
| 0
( 0% )
|
Total payments billed:
| 2 | | |
Description
Consolidating credit card balances
Purpose of loan:
I am consolidating approximately $3,200 in credit card debt outstanding and want to take advantage of a lower rate on Propser.com than what I am currently paying on one of my cards, which is currently charging me a 11.99% (APR) interest rate.? I plan on using this Prosper loan and $600 in savings to eliminate this debt.
My financial situation:
I am currently employed for the last 3 years and 9 months as a Credit Analyst.? I pay all?utility, cable, credit card, rent?and miscellaneous bills on-time.?
Monthly Rent:? $854
Monthly Utilities/Cable:? $100
Monthly Miscellaneous Expenses:? $800
Pre-tax Monthly Income, including?6% 401k contribution:? $5,829
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
421360
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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:
| 4.65% |
Starting borrower rate/APR:
| 5.65% / 5.99% |
Starting monthly payment:
| $30.26 |
|
Auction yield range:
| 2.93% - 4.65% |
Estimated loss impact:
| 0.59% | | |
Lender servicing fee:
| 1.00% |
Estimated return:
| 4.06% | | |
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-2002 |
Debt/Income ratio:
| 51% |
Basic (1-10):
| 10 |
Inquiries last 6m:
| 0 | Employment status: | Full-time employee |
Enhanced (1-5): | 4 |
Current / open credit lines:
| 9
/
7 | Length of status: | 2y 11m |
Credit score:
| 740-759 (Jul-2010) |
Total credit lines:
| 37 |
Occupation: | Teacher |
Now delinquent:
| 0 |
Revolving credit balance:
| $1,019 | Stated income: | $25,000-$49,999 |
Amount delinquent:
| $0 |
Bankcard utilization:
| 20% | | |
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| No | | |
Delinquencies in last 7y:
| 0 | | | | |
Screen name:
| nchiker |
Borrower's state:
| NorthCarolina |
Borrower's group:
| groupNo-Whammies |
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan history | Payment history | Credit score history |
Active / total loans:
| 0 / 1 |
On-time:
| 12 ( 67% )
| 740-759 (Latest)
|
Principal borrowed:
| $7,000.00 | < 31 days late:
| 6
( 33% )
| 720-739
(Aug-2008)
720-739
(Jul-2008)
|
Principal balance:
| $0.00 |
31+ days late:
| 0
( 0% )
|
Total payments billed:
| 18 | | |
Description
My personal loan
Purpose of loan:
This loan will be used to?
My financial situation:
I am a good candidate for this loan because?
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
450146
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount:
| $25,000.00 |
Prosper Rating:
| HR |
Auction Duration:
| 7 days
|
Term:
| 36 months |
Estimated loss:
| 18.0% | | |
| | |
|
Starting lender yield:
| 18.00% |
Starting borrower rate/APR:
| 19.00% / 21.22% |
Starting monthly payment:
| $916.40 |
|
Auction yield range:
| 16.93% - 18.00% |
Estimated loss impact:
| 19.00% | | |
Lender servicing fee:
| 1.00% |
Estimated return:
| -1.00% | | |
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper scores:
| |
First credit line:
| Jun-1996 |
Debt/Income ratio:
| 45% |
Basic (1-10):
| 4 |
Inquiries last 6m:
| 1 | Employment status: | Full-time employee |
Enhanced (1-5): | 4 |
Current / open credit lines:
| 6
/
6 | Length of status: | 0y 3m |
Credit score:
| 720-739 (Jul-2010) |
Total credit lines:
| 16 |
Occupation: | Skilled Labor |
Now delinquent:
| 0 |
Revolving credit balance:
| $10,446 | Stated income: | $25,000-$49,999 |
Amount delinquent:
| $0 |
Bankcard utilization:
| 54% | | |
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| No | | |
Delinquencies in last 7y:
| 0 | | | | |
Screen name:
| budah |
Borrower's state:
| Maryland |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Description
business funding
Purpose of loan:
This loan will be used to consolidate my bills to one and use what is available to obtain income producing building
My financial situation:
I am a good candidate for this loan because? know how to leverage what is available to me
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
458604
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount:
| $18,000.00 |
Prosper Rating:
| C |
Auction Duration:
| 7 days
|
Term:
| 36 months |
Estimated loss:
| 6.2% | | |
| | |
|
Starting lender yield:
| 9.00% |
Starting borrower rate/APR:
| 10.00% / 12.11% |
Starting monthly payment:
| $580.81 |
|
Auction yield range:
| 7.93% - 9.00% |
Estimated loss impact:
| 6.38% | | |
Lender servicing fee:
| 1.00% |
Estimated return:
| 2.62% | | |
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper scores:
| |
First credit line:
| Aug-1994 |
Debt/Income ratio:
| Self-employed (DTI Not Calculated) |
Basic (1-10):
| 5 |
Inquiries last 6m:
| 0 | Employment status: | Self-employed |
Enhanced (1-5): | 3 |
Current / open credit lines:
| 7
/
6 | Length of status: | 20y 1m |
Credit score:
| 840-859 (Jul-2010) |
Total credit lines:
| 40 |
Occupation: | Other |
Now delinquent:
| 0 |
Revolving credit balance:
| $0 | Stated income: | $75,000-$99,999 |
Amount delinquent:
| $0 |
Bankcard utilization:
| 0% | | |
Public records last 12m / 10y:
| 0/ 2 |
Homeownership:
| Yes | | |
Delinquencies in last 7y:
| 0 | | | | |
Screen name:
| mnorganiceggs |
Borrower's state:
| Minnesota |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan history | Payment history | Credit score history |
Active / total loans:
| 1 / 1 |
On-time:
| 22 ( 100% )
| 840-859 (Latest)
|
Principal borrowed:
| $10,000.00 | < 31 days late:
| 0
( 0% )
| 840-859
(Aug-2008)
|
Principal balance:
| $4,285.57 |
31+ days late:
| 0
( 0% )
|
Total payments billed:
| 22 | | |
Description
farm operating, bioponics
Purpose of loan:
This loan will be used to purchase part ownership in a healthy, sustainable, growing business and support our short and long-term farm operations.
My financial situation:
I am a good candidate for this loan because I have been involved in healthy food production for nearly 30 years, with over 20 years of business experience, I know how to work with people fairly and honestly to form long-lasting relationships. TFMN is the greatest local resource for information and supplies of high quality food and we've been delivering both - for many years. Bioponics is a very efficient way to produce high quality greens and fish all year around, even in Minnesota.
Monthly net income: $ 1672
Monthly expenses: $ 4578
??Housing: $
1385
??Insurance: $
370
??Car expenses: $
650
??Utilities: $
573
??Phone, cable, internet: $ 296
??Food, entertainment: $
300
??Clothing, household expenses $
200
??Credit cards and other loans: $ 618
??Other expenses: $
186
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
462884
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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:
| 16.93% - 34.00% |
Estimated loss impact:
| 20.01% | | |
Lender servicing fee:
| 1.00% |
Estimated return:
| 13.99% | | |
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper scores:
| |
First credit line:
| May-2006 |
Debt/Income ratio:
| 22% |
Basic (1-10):
| 3 |
Inquiries last 6m:
| 0 | Employment status: | Full-time employee |
Enhanced (1-5): | 4 |
Current / open credit lines:
| 4
/
4 | Length of status: | 4y 3m |
Credit score:
| 700-719 (Jul-2010) |
Total credit lines:
| 4 |
Occupation: | Skilled Labor |
Now delinquent:
| 0 |
Revolving credit balance:
| $1,139 | Stated income: | $1-$24,999 |
Amount delinquent:
| $0 |
Bankcard utilization:
| 68% | | |
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| No | | |
Delinquencies in last 7y:
| 0 | | | | |
Screen name:
| point-hornet |
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
Urgently NEED to purchase used Car
Purpose of loan: I
This loan will be used to is to be used to purchase a used car - as the present one that i have requires much repairs to pass inspection and is presently eating too much an expense in repairs ?
My financial situation:
I am a good candidate for this loan because well at present? i have started a second Job that is paying me and extra 300 a week this? i started some 3 weeks ago ?
Monthly net income: $ 1400
Monthly expenses:?
??Housing: $440
??Insurance: $ 25
??Car expenses: $100?
??Utilities: $70
??Phone, cable, internet: $90
??Food, entertainment: $150
??Clothing, household expenses $?25
??Credit cards and other loans: $?75
??Other expenses: $
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
466204
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount:
| $5,000.00 |
Prosper Rating:
| A |
Auction Duration:
| 7 days
|
Term:
| 36 months |
Estimated loss:
| 2.1% | | |
| | |
|
Starting lender yield:
| 8.28% |
Starting borrower rate/APR:
| 9.28% / 11.38% |
Starting monthly payment:
| $159.65 |
|
Auction yield range:
| 3.93% - 8.28% |
Estimated loss impact:
| 2.12% | | |
Lender servicing fee:
| 1.00% |
Estimated return:
| 6.16% | | |
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper scores:
| |
First credit line:
| Nov-1987 |
Debt/Income ratio:
| Self-employed (DTI Not Calculated) |
Basic (1-10):
| 9 |
Inquiries last 6m:
| 0 | Employment status: | Self-employed |
Enhanced (1-5): | 3 |
Current / open credit lines:
| 9
/
8 | Length of status: | 1y 0m |
Credit score:
| 760-779 (Jul-2010) |
Total credit lines:
| 31 |
Occupation: | Executive |
Now delinquent:
| 0 |
Revolving credit balance:
| $497,847 | Stated income: | $50,000-$74,999 |
Amount delinquent:
| $0 |
Bankcard utilization:
| 95% | | |
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| Yes | | |
Delinquencies in last 7y:
| 0 | | | | |
Screen name:
| currency-competitor2 |
Borrower's state:
| Colorado |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Description
Expansion into a new market
Purpose of loan:
This loan will be used to help fund the expansion of our second location in the Denver-market.
My financial situation:
I am a good candidate for this loan because I have excellent credit and a business expansion plan that will generate sufficient revenue to service this debt.
Monthly net income: $7,000
Monthly expenses: $5,000
??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
466316
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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:
| 16.93% - 34.00% |
Estimated loss impact:
| 36.51% | | |
Lender servicing fee:
| 1.00% |
Estimated return:
| -2.51% | | |
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper scores:
| |
First credit line:
| Apr-1996 |
Debt/Income ratio:
| 14% |
Basic (1-10):
| 1 |
Inquiries last 6m:
| 4 | Employment status: | Full-time employee |
Enhanced (1-5): | 3 |
Current / open credit lines:
| 6
/
4 | Length of status: | 10y 9m |
Credit score:
| 680-699 (Jul-2010) |
Total credit lines:
| 18 |
Occupation: | Teacher |
Now delinquent:
| 0 |
Revolving credit balance:
| $2,444 | Stated income: | $50,000-$74,999 |
Amount delinquent:
| $0 |
Bankcard utilization:
| 97% | | |
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| Yes | | |
Delinquencies in last 7y:
| 0 | | | | |
Screen name:
| bewitching-deal7 |
Borrower's state:
| NewJersey |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Description
My Family Dream Home
My Wife and I, along with our 8 children and one on the way, have a Dream Home in the city in which we grew up. After being educated we decided to give back to our city, Camden NJ by providing community service for more than 300 children annually. I have been teaching at the Camden School for the Performing Arts since October of 2002. While I have the means to move outside the city, I am focused on becoming a positive role model for children in this ?destitute? community therefore, I found a gorgeous, historical and spacious home in Camden. This house is a diamond in the rough, as it is positioned on the same street one block away from the historic Camden High School (The Castel On the Hill); the community affectionately calls it, ?the lil Castle at the bottom of the Hill.? To maintain the Historic Value I plan to rehab the face and windows in the building. In order to do so, I need immediate assistance with funding. I have 10,000 of the 20,000 needed in order to complete the installation of windows and specialized metal work on the fa?ade. This phase will complete the house making it move in ready, as I have previously completed the heart and guts of the house.
Thank you in advance for helping my family with this much needed and desired move!!!
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
466330
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount:
| $8,400.00 |
Prosper Rating:
| C |
Auction Duration:
| 7 days
|
Term:
| 36 months |
Estimated loss:
| 7.0% | | |
| | |
|
Starting lender yield:
| 20.88% |
Starting borrower rate/APR:
| 21.88% / 24.14% |
Starting monthly payment:
| $320.28 |
|
Auction yield range:
| 7.93% - 20.88% |
Estimated loss impact:
| 7.49% | | |
Lender servicing fee:
| 1.00% |
Estimated return:
| 13.39% | | |
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper scores:
| |
First credit line:
| Jan-1983 |
Debt/Income ratio:
| 40% |
Basic (1-10):
| 6 |
Inquiries last 6m:
| 1 | Employment status: | Retired |
Enhanced (1-5): | 3 |
Current / open credit lines:
| 11
/
11 | Length of status: | 0y 6m |
Credit score:
| 780-799 (Jul-2010) |
Total credit lines:
| 31 | Stated income: | $25,000-$49,999 |
Now delinquent:
| 0 |
Revolving credit balance:
| $29,824 | |
Amount delinquent:
| $0 |
Bankcard utilization:
| 59% | | |
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| Yes | | |
Delinquencies in last 7y:
| 0 | | | | |
Screen name:
| bountiful-currency720 |
Borrower's state:
| Delaware |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Description
installing a new deck
Purpose of loan:
This loan will be used to add a deck onto a new home that was purchased in January of 2010.
My financial situation:
I am a good candidate for this loan because i have the income to make the monthly payments.
Monthly net income: $ 3,824
Monthly expenses: $
??Housing: $ 1,150????
??Insurance: $ 31
??Car expenses: $ 275
??Utilities: $ 170????????
??Phone, cable, internet: $ 130
??Food, entertainment: $ 80
??Clothing, household expenses $
??Credit cards and other loans: $ 665
??Other expenses: $ 120
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
466438
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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:
| C |
Auction Duration:
| 7 days
|
Term:
| 36 months |
Estimated loss:
| 8.5% | | |
| | |
|
Starting lender yield:
| 14.00% |
Starting borrower rate/APR:
| 15.00% / 17.17% |
Starting monthly payment:
| $450.65 |
|
Auction yield range:
| 7.93% - 14.00% |
Estimated loss impact:
| 8.81% | | |
Lender servicing fee:
| 1.00% |
Estimated return:
| 5.19% | | |
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments 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-1984 |
Debt/Income ratio:
| 49% |
Basic (1-10):
| 4 |
Inquiries last 6m:
| 0 | Employment status: | Part-time employee |
Enhanced (1-5): | 4 |
Current / open credit lines:
| 10
/
6 | Length of status: | 4y 6m |
Credit score:
| 760-779 (Jul-2010) |
Total credit lines:
| 33 |
Occupation: | Clerical |
Now delinquent:
| 0 |
Revolving credit balance:
| $4,863 | Stated income: | $25,000-$49,999 |
Amount delinquent:
| $0 |
Bankcard utilization:
| 45% | | |
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| Yes | | |
Delinquencies in last 7y:
| 0 | | | | |
Screen name:
| precious-silver5 |
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
Retired Working PT Need CC Cons.
Hello, Thanks for your interest in my listing!
I am 65, I retired from the State of Illinois after working there for 20 years.? I have Social Security benefits, and I work two days a?week in the billing department at a local hospital.? I bought my home in 2001 and there is only about 30% left to go on the mortgage.? I own two vehicles with no loans on them.?
I am looking to get a loan to clear off some credit card debt, and to do some repairs around the house.?
I don't quite get why the Debt/Income Ratio is so high, but I calculate it will be more like 25% after I clear off the credit card debt.?
I always take care of my obligations, which should be clear from my credit profile.?
Thanks again for your interest!?
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
466710
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount:
| $7,000.00 |
Prosper Rating:
| D |
Auction Duration:
| 7 days
|
Term:
| 36 months |
Estimated loss:
| 10.0% | | |
| | |
|
Starting lender yield:
| 19.00% |
Starting borrower rate/APR:
| 20.00% / 22.24% |
Starting monthly payment:
| $260.15 |
|
Auction yield range:
| 10.93% - 19.00% |
Estimated loss impact:
| 10.45% | | |
Lender servicing fee:
| 1.00% |
Estimated return:
| 8.55% | | |
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper scores:
| |
First credit line:
| Aug-1985 |
Debt/Income ratio:
| Self-employed (DTI Not Calculated) |
Basic (1-10):
| 7 |
Inquiries last 6m:
| 0 | Employment status: | Self-employed |
Enhanced (1-5): | 4 |
Current / open credit lines:
| 8
/
7 | Length of status: | 18y 9m |
Credit score:
| 760-779 (Jul-2010) |
Total credit lines:
| 20 |
Occupation: | Professional |
Now delinquent:
| 0 |
Revolving credit balance:
| $2,720 | Stated income: | $25,000-$49,999 |
Amount delinquent:
| $0 |
Bankcard utilization:
| 5% | | |
Public records last 12m / 10y:
| 0/ 1 |
Homeownership:
| No | | |
Delinquencies in last 7y:
| 9 | | | | |
Screen name:
| blue-p2p-glider |
Borrower's state:
| California |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Description
My loan for business extensions
Purpose of loan:
I very much need to expand my business from an IT service company to include
telephone installation and support.? I intend to use my 19 years of
experience with TELCO plus my 25 years of IT experience to expand into
installing and servicing networked telephone systems.? Since new
technologies created "Voice over IP" (VOIP) there is a strong demand for
people to install and service these hybrid computer/telephone systems.? It
is where the industry is going and away from the old copper telephone lines.
I need money to outfit my truck properly, to install a securable cover with
hardware cribs, to purchase needed materials and to pay for certification
training.? Business is very slow now and I simply have no extra revenue
available to do this.
My financial situation:
I am a good candidate for this loan because. I have been self employed since
1991.? My business has always thrived and until the economic disaster of
2008 I was doing well and earning a steady income.? I have few debts at this
time, my business vehicle is almost paid for (5 payments remaining) so I
will have that money available to repay a loan. I always pay my bills on
time, I pay no less than 2 times the minimum due on credit cards. Some of
this loan will pay off a high interest predatory card which will free more
revenue to repay this loan.
Monthly net income: $ 2600.00 - 2800.00 (average for 2010)
Monthly expenses: $ 2395.00
Housing: $ 990.00 (rent)Insurance: $ 125.00 (personal car and business truck)
Car expenses: $ 150.00 (fuel -? mostly business mileage deductible)
Utilities: $ 55.00 (electric - home office deductible)
Phone, cable, internet: $ 125.00 (home office deductible)
Food, entertainment: $ 400.00
Clothing, household expenses $ 100.00
Credit cards and other loans: $ 300.00(includes truck loan)
Other expenses: $ 50.00 (pets), medication $100.00
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
466748
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount:
| $1,750.00 |
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:
| $64.95 |
|
Auction yield range:
| 7.93% - 18.90% |
Estimated loss impact:
| 6.94% | | |
Lender servicing fee:
| 1.00% |
Estimated return:
| 11.96% | | |
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper scores:
| |
First credit line:
| Jul-2005 |
Debt/Income ratio:
| 18% |
Basic (1-10):
| 9 |
Inquiries last 6m:
| 0 | Employment status: | Full-time employee |
Enhanced (1-5): | 5 |
Current / open credit lines:
| 14
/
13 | Length of status: | 4y 6m |
Credit score:
| 640-659 (Jul-2010) |
Total credit lines:
| 20 |
Occupation: | Other |
Now delinquent:
| 0 |
Revolving credit balance:
| $4,160 | Stated income: | $75,000-$99,999 |
Amount delinquent:
| $0 |
Bankcard utilization:
| 81% | | |
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| No | | |
Delinquencies in last 7y:
| 0 | | | | |
Screen name:
| techie102 |
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:
| 0 / 2 |
On-time:
| 22 ( 88% )
| 640-659 (Latest)
|
Principal borrowed:
| $3,750.00 | < 31 days late:
| 3
( 12% )
| 640-659
(Jun-2010)
660-679
(Mar-2008)
620-639
(Jan-2008)
620-639
(Dec-2007)
|
Principal balance:
| $0.00 |
31+ days late:
| 0
( 0% )
|
Total payments billed:
| 25 | | |
Description
Business Growth - Web Marketing
Purpose of loan:
The purpose of this loan is to invest in marketing and to acquire new clients for my growing web marketing company.
Business Details
My business provides services to corporations, non-profits, and marketing agencies. Your support will directly impact my ability to meet my present obligations and move forward with more sales.
Financial Situation
I have paid every lender payment and in good standing with all (car loan, equipment leases, cell phone bill, rent, college loans). I have a low 18% DTI ratio. My two previous Prosper loans have both been paid off in full. I will do the same with this loan.
Education & Experience:
I completed my B.B.A. degree in Entrepreneurship at an accredited 4-year, Division I university. I began making web sites at age 11, generating cash flow by 15, with continued annual growth.
Repayment Plan:
Payments will be made on time. To repay this loan I will use our existing contracts. If the business grows substantially, monthly payment amounts may be increased.
Monthly Income = $4,000.00Monthly Expenses
Living Expenses= $900
Office = $500
Auto/Travel = $500
College loan: $600
Business: $1,000
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
466756
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount:
| $7,000.00 |
Prosper Rating:
| HR |
Auction Duration:
| 7 days
|
Term:
| 36 months |
Estimated loss:
| 18.0% | | |
| | |
|
Starting lender yield:
| 34.00% |
Starting borrower rate/APR:
| 35.00% / 37.45% |
Starting monthly payment:
| $316.65 |
|
Auction yield range:
| 16.93% - 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-1987 |
Debt/Income ratio:
| 10% |
Basic (1-10):
| 4 |
Inquiries last 6m:
| 0 | Employment status: | Retired |
Enhanced (1-5): | 5 |
Current / open credit lines:
| 5
/
4 | Length of status: | 3y 3m |
Credit score:
| 680-699 (Jul-2010) |
Total credit lines:
| 28 | Stated income: | $50,000-$74,999 |
Now delinquent:
| 5 |
Revolving credit balance:
| $965 | |
Amount delinquent:
| $712 |
Bankcard utilization:
| 11% | | |
Public records last 12m / 10y:
| 0/ 1 |
Homeownership:
| Yes | | |
Delinquencies in last 7y:
| 17 | | | | |
Screen name:
| compassion-journey6 |
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
home improvement
Purpose of loan:
This loan will be used to?
home improvment and personal use????
My financial situation:
I am a good candidate for this loan because?
i pay my bills on time learn from past mistakes
Monthly net income: $
4252
Monthly expenses: $
??Housing: $ 0????
??Insurance: $? 1200 a year??Car expenses: $ 763 a year
??Utilities: $ 130
??Phone, cable, internet: $ 150
??Food, entertainment: $ 200
??Clothing, household expenses $ 100
??Credit cards and other loans: $ 50 a month
??Other expenses: $ 400
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
466806
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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:
| 34.5% | | |
| | |
|
Starting lender yield:
| 29.00% |
Starting borrower rate/APR:
| 30.00% / 32.65% |
Starting monthly payment:
| $63.68 |
|
Auction yield range:
| 16.93% - 29.00% |
Estimated loss impact:
| 36.19% | | |
Lender servicing fee:
| 1.00% |
Estimated return:
| -7.19% | | |
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments 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-1977 |
Debt/Income ratio:
| 5% |
Basic (1-10):
| 1 |
Inquiries last 6m:
| 6 | Employment status: | Retired |
Enhanced (1-5): | 1 |
Current / open credit lines:
| 6
/
4 | Length of status: | 1y 2m |
Credit score:
| 660-679 (Jul-2010) |
Total credit lines:
| 54 | Stated income: | $25,000-$49,999 |
Now delinquent:
| 8 |
Revolving credit balance:
| $500 | |
Amount delinquent:
| $4,071 |
Bankcard utilization:
| 100% | | |
Public records last 12m / 10y:
| 0/ 1 |
Homeownership:
| Yes | | |
Delinquencies in last 7y:
| 39 | | | | |
Screen name:
| power-position6 |
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
Need new kitchen floor
Purpose of loan:
This loan will be used to?
finance new central air conditioning
My financial situation:
I am a good candidate for this loan because?
I am able to make the monthly payments, and have a low mortgage rate.
Monthly net income: $
2147
Monthly expenses: $
893
??Housing: $
688
??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
466832
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount:
| $7,500.00 |
Prosper Rating:
| HR |
Auction Duration:
| 7 days
|
Term:
| 36 months |
Estimated loss:
| 18.0% | | |
| | |
|
Starting lender yield:
| 29.00% |
Starting borrower rate/APR:
| 30.00% / 32.38% |
Starting monthly payment:
| $318.39 |
|
Auction yield range:
| 16.93% - 29.00% |
Estimated loss impact:
| 19.69% | | |
Lender servicing fee:
| 1.00% |
Estimated return:
| 9.31% | | |
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper scores:
| |
First credit line:
| Jul-2000 |
Debt/Income ratio:
| Self-employed (DTI Not Calculated) |
Basic (1-10):
| 5 |
Inquiries last 6m:
| 0 | Employment status: | Self-employed |
Enhanced (1-5): | 3 |
Current / open credit lines:
| 6
/
5 | Length of status: | 0y 6m |
Credit score:
| 640-659 (Jul-2010) |
Total credit lines:
| 12 |
Occupation: | Sales - Retail |
Now delinquent:
| 0 |
Revolving credit balance:
| $49,428 | Stated income: | $25,000-$49,999 |
Amount delinquent:
| $0 |
Bankcard utilization:
| 97% | | |
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| Yes | | |
Delinquencies in last 7y:
| 0 | | | | |
Screen name:
| excellence779 |
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
Inventory for Cell Phone Business
Purpose of loan:
This loan will be used to grow prepaid cell phone retail location
My financial situation:
I am a good candidate for this loan because all my payments are made on time.? I would not attempt a loan if i could not afford to take on additional debt. I have enough money in my bank accounts to cover this loan but i am seeking a loan to seperate my personal finances and business finances. I would like to note that I have numerous assets to secure the loan, including property, vehicles or retirement accounts.
Please note that I purchased a home approximately 18 months ago, with the purchase price of 140k and my current balance is 33k.? The high revolving credit balance is do a home equity line used to build a garage at the home location.
Monthly net income: $ 3500
Monthly expenses: $
??Housing: $ 425 including escrow
??Insurance: $ 125
??Car expenses: $ 100
??Utilities: $ 70
??Phone, cable, internet: $ 100
??Food, entertainment: $ 200????????
??Clothing, household expenses $ 100
??Credit cards and other loans: $ 300
??Other expenses: $
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
466856
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount:
| $2,500.00 |
Prosper Rating:
| HR |
Auction Duration:
| 7 days
|
Term:
| 36 months |
Estimated loss:
| 18.0% | | |
| | |
|
Starting lender yield:
| 19.00% |
Starting borrower rate/APR:
| 20.00% / 22.24% |
Starting monthly payment:
| $92.91 |
|
Auction yield range:
| 16.93% - 19.00% |
Estimated loss impact:
| 19.06% | | |
Lender servicing fee:
| 1.00% |
Estimated return:
| -0.06% | | |
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper scores:
| |
First credit line:
| Feb-2007 |
Debt/Income ratio:
| Not calculated |
Basic (1-10):
| 5 |
Inquiries last 6m:
| 1 | Employment status: | Full-time employee |
Enhanced (1-5): | 3 |
Current / open credit lines:
| 7
/
7 | Length of status: | 0y 4m |
Credit score:
| 660-679 (Jul-2010) |
Total credit lines:
| 10 |
Occupation: | Fireman |
Now delinquent:
| 0 |
Revolving credit balance:
| $405 | Stated income: | $25,000-$49,999 |
Amount delinquent:
| $0 |
Bankcard utilization:
| 57% | | |
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| No | | |
Delinquencies in last 7y:
| 0 | | | | |
Screen name:
| loyalty-legend4 |
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
Paying off Bills
Purpose of loan:
This loan will be used to help pay of some bills.
My financial situation:
I am a good candidate for this loan because I work full time and am making money to pay the loan.? I fell behind a little because I moved from NE to KS and didnt have anything to live on my own so it took alot of money to be able to live.
Monthly net income: $ 2500
Monthly expenses: $
??Housing: $ 500
??Insurance: $ 249
??Car expenses: $?150
??Utilities: $ 75
??Phone, cable, internet: $ 50
??Food, entertainment: $ 100
??Clothing, household expenses $ 60
??Credit cards and other loans: $ 705
??Other expenses: $ 100
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
466922
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount:
| $15,000.00 |
Prosper Rating:
| HR |
Auction Duration:
| 7 days
|
Term:
| 36 months |
Estimated loss:
| 18.0% | | |
| | |
|
Starting lender yield:
| 16.93% |
Starting borrower rate/APR:
| 17.93% / 20.14% |
Starting monthly payment:
| $541.76 |
|
Auction yield range:
| 16.93% - 16.93% |
Estimated loss impact:
| 18.93% | | |
Lender servicing fee:
| 1.00% |
Estimated return:
| -2.00% | | |
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper scores:
| |
First credit line:
| Feb-1999 |
Debt/Income ratio:
| 40% |
Basic (1-10):
| 5 |
Inquiries last 6m:
| 0 | Employment status: | Full-time employee |
Enhanced (1-5): | 4 |
Current / open credit lines:
| 9
/
9 | Length of status: | 0y 1m |
Credit score:
| 640-659 (Jul-2010) |
Total credit lines:
| 17 |
Occupation: | Professional |
Now delinquent:
| 0 |
Revolving credit balance:
| $9,048 | Stated income: | $50,000-$74,999 |
Amount delinquent:
| $0 |
Bankcard utilization:
| 88% | | |
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| No | | |
Delinquencies in last 7y:
| 0 | | | | |
Screen name:
| ResponsibleBorrower88 |
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 College Credit Debt
Purpose of loan:
This loan will be used to?
My financial situation:
I am a good candidate for this loan because?I work hard and am trying to pay off my credit debt mainly acquired while in college. I am working full-time in public relations, earn a decent living but would like to get out from under my credit debt. I pay my bills on time and would like to pay off my debt as soon as possible.
Monthly net income: $3,100
Monthly expenses: $2,189 (including credit card debt payments that would be paid off with this loan) $1,654 without considering CC debt payments
??Housing: $550
??Insurance: $170
??Car expenses: $700 (drive far for career to keep housing expense low at this time)
??Utilities: $60
??Phone, cable, internet: $150
??Food, entertainment: $300
??Clothing, household expenses $100
??Credit cards and other loans: $ (Would go away after this loan, I would pay them all from this)
??Other expenses: $100
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
466928
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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:
| 6.2% | | |
| | |
|
Starting lender yield:
| 20.48% |
Starting borrower rate/APR:
| 21.48% / 23.74% |
Starting monthly payment:
| $948.05 |
|
Auction yield range:
| 7.93% - 20.48% |
Estimated loss impact:
| 6.68% | | |
Lender servicing fee:
| 1.00% |
Estimated return:
| 13.80% | | |
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:
| Jul-1995 |
Debt/Income ratio:
| Self-employed (DTI Not Calculated) |
Basic (1-10):
| 5 |
Inquiries last 6m:
| 0 | Employment status: | Self-employed |
Enhanced (1-5): | 5 |
Current / open credit lines:
| 14
/
13 | Length of status: | 3y 11m |
Credit score:
| 800-819 (Jul-2010) |
Total credit lines:
| 34 |
Occupation: | Other |
Now delinquent:
| 0 |
Revolving credit balance:
| $4,154 | Stated income: | $50,000-$74,999 |
Amount delinquent:
| $0 |
Bankcard utilization:
| 8% | | |
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| Yes | | |
Delinquencies in last 7y:
| 1 | | | | |
Screen name:
| karnig44 |
Borrower's state:
| Nevada |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Description
4 Unit income property
Purpose of loan:This loan will be used as a down payment to purchase a 4 unit income property.?
My financial situation:I am a good candidate for this loan because I know the market as a real estate apprasier.? I already have one four unit which is doing very well.? Fully rented the property will produce $2,200 revenue and about $400- $500 monthly profit.??Plus tax benifits and potential appreciation.? I always pay my bills this is a low risk loan.
Monthly net income$8,000-$9000
Monthly expenses:??
Housing: $1,100??????
Insurance: $ 300??
Car expenses: 1100???
Utilities: $?200??
Phone, cable, internet: $400???
Food, entertainment: $?800??
Clothing, household expenses $600???
Credit cards and other loans: $?900??
Other expenses: $ 400
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
466934
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount:
| $7,151.00 |
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:
| $225.08 |
|
Auction yield range:
| 2.93% - 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:
| Jul-1995 |
Debt/Income ratio:
| 23% |
Basic (1-10):
| 8 |
Inquiries last 6m:
| 0 | Employment status: | Full-time employee |
Enhanced (1-5): | 5 |
Current / open credit lines:
| 11
/
10 | Length of status: | 14y 0m |
Credit score:
| 820-839 (Jul-2010) |
Total credit lines:
| 48 |
Occupation: | Other |
Now delinquent:
| 0 |
Revolving credit balance:
| $7,250 | Stated income: | $25,000-$49,999 |
Amount delinquent:
| $0 |
Bankcard utilization:
| 30% | | |
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| Yes | | |
Delinquencies in last 7y:
| 0 | | | | |
Screen name:
| bountiful-vigilance3 |
Borrower's state:
| Oregon |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Description
paying off my credit cards
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
466940
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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:
| 16.93% - 34.00% |
Estimated loss impact:
| 20.01% | | |
Lender servicing fee:
| 1.00% |
Estimated return:
| 13.99% | | |
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper scores:
| |
First credit line:
| Sep-1995 |
Debt/Income ratio:
| 16% |
Basic (1-10):
| 4 |
Inquiries last 6m:
| 5 | Employment status: | Full-time employee |
Enhanced (1-5): | 4 |
Current / open credit lines:
| 10
/
10 | Length of status: | 4y 3m |
Credit score:
| 660-679 (Jul-2010) |
Total credit lines:
| 16 |
Occupation: | Construction |
Now delinquent:
| 0 |
Revolving credit balance:
| $13,140 | Stated income: | $75,000-$99,999 |
Amount delinquent:
| $0 |
Bankcard utilization:
| 72% | | |
Public records last 12m / 10y:
| 0/ 1 |
Homeownership:
| Yes | | |
Delinquencies in last 7y:
| 16 | | | | |
Screen name:
| systematic-point2 |
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
Restoring our 100 year old home
Purpose of loan:
This loan will be used to? We just bought a 100 year old craftsman home and are in the process of restoring it to it's original integrity.?We're also updating the electrical, plumbing, and modernizing the kitchen.
My financial situation:
I am a good candidate for this loan because?I have a very steady income with plenty of job security. Also, I am up to date on all of my bills and am diligent about paying them on time.
Monthly net income: $4600.00
Monthly expenses: $
??Housing: $1900
??Insurance: $health insurance is covered?by my employer?
??Car expenses: $600 (including insurance)
??Utilities: $250
??Phone, cable, internet: $180
??Food, entertainment: $300
??Clothing, household expenses $200
??Credit cards and other loans: $600
??Other expenses: $100
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
466944
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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:
| 13.93% |
Starting borrower rate/APR:
| 14.93% / 17.10% |
Starting monthly payment:
| $346.31 |
|
Auction yield range:
| 5.93% - 13.93% |
Estimated loss impact:
| 5.24% | | |
Lender servicing fee:
| 1.00% |
Estimated return:
| 8.69% | | |
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:
| Apr-1977 |
Debt/Income ratio:
| 21% |
Basic (1-10):
| 8 |
Inquiries last 6m:
| 1 | Employment status: | Full-time employee |
Enhanced (1-5): | 3 |
Current / open credit lines:
| 12
/
11 | Length of status: | 7y 11m |
Credit score:
| 760-779 (Jul-2010) |
Total credit lines:
| 40 |
Occupation: | Bus Driver |
Now delinquent:
| 0 |
Revolving credit balance:
| $26,002 | Stated income: | $50,000-$74,999 |
Amount delinquent:
| $0 |
Bankcard utilization:
| 48% | | |
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| Yes | | |
Delinquencies in last 7y:
| 0 | | | | |
Screen name:
| claystar |
Borrower's state:
| Colorado |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Description
paying off creditcards
Purpose of loan:
This loan will be used to?pay off credit cards
My financial situation: steady and continuing
I am a good candidate for this loan because?I have had more than 700 fico core for more than 15 years
Monthly net income: $ 2718
Monthly expenses: $ 5751
??Housing: $2136
??Insurance: $375
??Car expenses: $1066
??Utilities: $306
??Phone, cable, internet: $65
??Food, entertainment: $660
??Clothing, household expenses $25
??Credit cards and other loans: $522
??Other expenses: $661
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
466946
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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:
| C |
Auction Duration:
| 7 days
|
Term:
| 36 months |
Estimated loss:
| 8.5% | | |
| | |
|
Starting lender yield:
| 22.51% |
Starting borrower rate/APR:
| 23.51% / 25.79% |
Starting monthly payment:
| $136.42 |
|
Auction yield range:
| 7.93% - 22.51% |
Estimated loss impact:
| 9.03% | | |
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:
| May-1997 |
Debt/Income ratio:
| Self-employed (DTI Not Calculated) |
Basic (1-10):
| 5 |
Inquiries last 6m:
| 0 | Employment status: | Self-employed |
Enhanced (1-5): | 5 |
Current / open credit lines:
| 10
/
8 | Length of status: | 2y 9m |
Credit score:
| 760-779 (Jul-2010) |
Total credit lines:
| 38 |
Occupation: | Other |
Now delinquent:
| 0 |
Revolving credit balance:
| $69 | Stated income: | $1-$24,999 |
Amount delinquent:
| $0 |
Bankcard utilization:
| 21% | | |
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| Yes | | |
Delinquencies in last 7y:
| 0 | | | | |
Screen name:
| Jules97 |
Borrower's state:
| Missouri |
Borrower's group:
| Navy & Marine Corps Debt Relief Association |
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan history | Payment history | Credit score history |
Active / total loans:
| 1 / 1 |
On-time:
| 21 ( 100% )
| 760-779 (Latest)
|
Principal borrowed:
| $4,000.00 | < 31 days late:
| 0
( 0% )
| 680-699
(Sep-2008)
|
Principal balance:
| $1,868.59 |
31+ days late:
| 0
( 0% )
|
Total payments billed:
| 21 | | |
Description
New Roof and Gutters
Purpose of loan:
Replace the roof and gutters on our home.
My financial situation:
I am a good candidate for this loan because I pay my bills on time and in full.
Monthly net income: $5000
Monthly expenses: $4570
??Housing: $1300
??Insurance: $120
??Car expenses: $400
??Utilities: $250
??Phone, cable, internet: $300
??Food, entertainment: $700
??Clothing, household expenses $300
??Credit cards and other loans: $1200
??Other expenses: $
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
466958
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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:
| 7.93% - 18.90% |
Estimated loss impact:
| 6.94% | | |
Lender servicing fee:
| 1.00% |
Estimated return:
| 11.96% | | |
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper scores:
| |
First credit line:
| Jun-1999 |
Debt/Income ratio:
| 2% |
Basic (1-10):
| 10 |
Inquiries last 6m:
| 2 | Employment status: | Full-time employee |
Enhanced (1-5): | 5 |
Current / open credit lines:
| 3
/
2 | Length of status: | 0y 4m |
Credit score:
| 660-679 (Jul-2010) |
Total credit lines:
| 20 |
Occupation: | Student - College G... |
Now delinquent:
| 0 |
Revolving credit balance:
| $29,014 | Stated income: | $50,000-$74,999 |
Amount delinquent:
| $0 |
Bankcard utilization:
| 70% | | |
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| No | | |
Delinquencies in last 7y:
| 12 | | | | |
Screen name:
| hakeon |
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
Cash 4 School
Purpose of loan:
This loan will be used to buy books for school before financial aid is available later this fall
My financial situation:
I am a good candidate for this loan because I am a mature, full-time employed, family man working through a graduate program from which I will graduate next spring with significant income increase.
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
466962
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount:
| $13,000.00 |
Prosper Rating:
| HR |
Auction Duration:
| 7 days
|
Term:
| 36 months |
Estimated loss:
| 25.0% | | |
| | |
|
Starting lender yield:
| 34.00% |
Starting borrower rate/APR:
| 35.00% / 37.45% |
Starting monthly payment:
| $588.07 |
|
Auction yield range:
| 16.93% - 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-1996 |
Debt/Income ratio:
| 61% |
Basic (1-10):
| 3 |
Inquiries last 6m:
| 2 | Employment status: | Full-time employee |
Enhanced (1-5): | 1 |
Current / open credit lines:
| 8
/
9 | Length of status: | 13y 7m |
Credit score:
| 680-699 (Jul-2010) |
Total credit lines:
| 37 |
Occupation: | Teacher |
Now delinquent:
| 1 |
Revolving credit balance:
| $57,117 | Stated income: | $50,000-$74,999 |
Amount delinquent:
| $6,695 |
Bankcard utilization:
| 89% | | |
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| Yes | | |
Delinquencies in last 7y:
| 6 | | | | |
Screen name:
| speedy-benjamins7 |
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 loan settlement
Purpose of loan:
This loan will be used to?
pay off loan settlement
My financial situation:
I am a good candidate for this loan because? I have an opportunity to settle a $53,000 for $12,000. I have learned a valuable lesson about making unwise financial decisions and have committed to stop over extending my credit. I need this opportunity to start over. My husband will be assisting me pay the monthly expenses and making the required payments on this loan will not be a problem.
Monthly net income: $ 5100
Monthly expenses: $?4600
??Housing 1200
??Insurance: $256?
??Car expenses: $ 340
??Utilities: $ 225
??Phone, cable, internet: $ 160
??Food, entertainment: $ 300
??Clothing, household expenses $ 50
??Credit cards and other loans: $ 320
??Other expenses: $ 500
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
466970
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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:
| 16.93% - 34.00% |
Estimated loss impact:
| 20.01% | | |
Lender servicing fee:
| 1.00% |
Estimated return:
| 13.99% | | |
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper scores:
| |
First credit line:
| Dec-1984 |
Debt/Income ratio:
| 16% |
Basic (1-10):
| 4 |
Inquiries last 6m:
| 0 | Employment status: | Full-time employee |
Enhanced (1-5): | 5 |
Current / open credit lines:
| 8
/
8 | Length of status: | 0y 11m |
Credit score:
| 700-719 (Jul-2010) |
Total credit lines:
| 22 |
Occupation: | Other |
Now delinquent:
| 3 |
Revolving credit balance:
| $972 | Stated income: | $25,000-$49,999 |
Amount delinquent:
| $4,041 |
Bankcard utilization:
| 44% | | |
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| Yes | | |
Delinquencies in last 7y:
| 17 | | | | |
Screen name:
| supervideocenter |
Borrower's state:
| Mississippi |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Description
20 yr old video store needs $3,000
Purpose of loan:
This loan will be used to move our business.? My small family friendly video store has been open for 20 years.? The area where we are located has gown downhill so quickly that it's time to go.? We have been broken into quite a few times and the cost of continuing to replace huge commercial sized windows has put us in a financial bind.? Our roof leaks every single time it rains and has already damaged several cabinets and lots of movies, and the air conditioner is about to go out as well.? The landlord will NOT fix any of these problems.? I truly believe it is time to go.? We've found a great location which is a new outlet shopping strip about 2 miles away, we've been asking our faithful customers what they think about us moving and they are quite excited for us.? They can see what our situation is now.? I believe at the new location, we will retain the great loyal customers we've acquired in the last 20 years and also pick up many new ones.?
My financial situation:
I am a good candidate for this loan because I have a full time job working for the Federal Government.? This is a secure job with decent pay.? I have never been scared to work and will guarantee the payments regardless of how the video store business prospers.
Monthly net income: $
$4100.00 this is combined income with my spouse.
Monthly expenses: $
??Housing: $
450
??Insurance: $
110
??Car expenses: $
330
??Utilities: $
260
??Phone, cable, internet: $
200
??Food, entertainment: $
300
??Clothing, household expenses $
150
??Credit cards and other loans: $ 255
??Other expenses: $
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
466982
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount:
| $2,000.00 |
Prosper Rating:
| D |
Auction Duration:
| 7 days
|
Term:
| 36 months |
Estimated loss:
| 10.0% | | |
| | |
|
Starting lender yield:
| 25.25% |
Starting borrower rate/APR:
| 26.25% / 28.57% |
Starting monthly payment:
| $80.85 |
|
Auction yield range:
| 10.93% - 25.25% |
Estimated loss impact:
| 10.62% | | |
Lender servicing fee:
| 1.00% |
Estimated return:
| 14.63% | | |
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper scores:
| |
First credit line:
| Aug-1999 |
Debt/Income ratio:
| 23% |
Basic (1-10):
| 7 |
Inquiries last 6m:
| 0 | Employment status: | Full-time employee |
Enhanced (1-5): | 4 |
Current / open credit lines:
| 9
/
7 | Length of status: | 4y 5m |
Credit score:
| 660-679 (Jul-2010) |
Total credit lines:
| 25 |
Occupation: | Other |
Now delinquent:
| 0 |
Revolving credit balance:
| $4,575 | Stated income: | $25,000-$49,999 |
Amount delinquent:
| $0 |
Bankcard utilization:
| 95% | | |
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| No | | |
Delinquencies in last 7y:
| 4 | | | | |
Screen name:
| economy-baby3 |
Borrower's state:
| Colorado |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Description
Adoption Expense
Purpose of loan:
This loan will be used to? Pay for adoption expense
My financial situation:
I am a good candidate for this loan because?
I am current on all my bills and understand that by getting this loan I will make it my top priority to pay the prosper community back.
Monthly net income: $2000
Monthly expenses: $1600
??Housing: $
940
??Insurance: $
Paid by husband
? Car: Paid off?
??Utilities: $
Paid by husband
??Phone, cable, internet: $
Paid by husband
??Food, entertainment: $300
??Clothing, household expenses $
100
??Credit cards and other loans: $
200
??Other expenses: $
60
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
466988
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount:
| $5,600.00 |
Prosper Rating:
| A |
Auction Duration:
| 7 days
|
Term:
| 36 months |
Estimated loss:
| 2.1% | | |
| | |
|
Starting lender yield:
| 7.50% |
Starting borrower rate/APR:
| 8.50% / 10.59% |
Starting monthly payment:
| $176.78 |
|
Auction yield range:
| 3.93% - 7.50% |
Estimated loss impact:
| 2.11% | | |
Lender servicing fee:
| 1.00% |
Estimated return:
| 5.39% | | |
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper scores:
| |
First credit line:
| Nov-1992 |
Debt/Income ratio:
| 11% |
Basic (1-10):
| 9 |
Inquiries last 6m:
| 0 | Employment status: | Full-time employee |
Enhanced (1-5): | 5 |
Current / open credit lines:
| 8
/
6 | Length of status: | 8y 5m |
Credit score:
| 700-719 (Jul-2010) |
Total credit lines:
| 26 |
Occupation: | Other |
Now delinquent:
| 0 |
Revolving credit balance:
| $8,957 | Stated income: | $75,000-$99,999 |
Amount delinquent:
| $0 |
Bankcard utilization:
| 77% | | |
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| Yes | | |
Delinquencies in last 7y:
| 6 | | | | |
Screen name:
| shrewd-loot |
Borrower's state:
| Connecticut |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Description
Consolidating High Interest Debt
Purpose of loan:
This loan will be used to? combine? the debt on two credit cards with high interest rates.? I'd rather pay interest for fellow Prosper users than the credit card companies.
My financial situation:
I am a good candidate for this loan because? My bills get paid ontime.? I have no problem paying these credit cards currently, however, I would like to lower the interest which would pay them off than much faster.? I will be paying more than the minimum and plan to have the loan returned ahead of schedule.
Monthly net income: $ 5200
Monthly expenses: $
??Housing: $ 400
??Insurance: $ 125
??Car expenses: $ 0 (all paid)
??Utilities: $?225
??Phone, cable, internet: $ 0 (work pays cell and internet, no cable)
??Food, entertainment: $ 225
??Clothing, household expenses $ 125
??Credit cards and other loans: $ 1200 (trying to pay down quickly, this is higher than the minimums)
??Other expenses: $
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
466994
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount:
| $9,000.00 |
Prosper Rating:
| E |
Auction Duration:
| 7 days
|
Term:
| 36 months |
Estimated loss:
| 14.7% | | |
| | |
|
Starting lender yield:
| 34.00% |
Starting borrower rate/APR:
| 35.00% / 37.45% |
Starting monthly payment:
| $407.12 |
|
Auction yield range:
| 13.93% - 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:
| 42% |
Basic (1-10):
| 7 |
Inquiries last 6m:
| 0 | Employment status: | Full-time employee |
Enhanced (1-5): | 5 |
Current / open credit lines:
| 15
/
11 | Length of status: | 3y 10m |
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:
| 23 ( 92% )
| 620-639 (Latest)
|
Principal borrowed:
| $7,000.00 | < 31 days late:
| 1
( 4% )
| 640-659
(May-2008)
|
Principal balance:
| $2,375.63 |
31+ days late:
| 1
( 4% )
|
Total payments billed:
| 25 | | |
Description
Paying off my credit cards
Purpose of loan:
I will be using this loan to pay off all my revolving balances.
My financial situation:
I'm applying for this debt consolidation loan to so that I can pay off all my revolving balances and pay one payment to this loan.? Thank you.
Monthly net income: $ 2200
Monthly expenses: $?850
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
467000
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount:
| $7,000.00 |
Prosper Rating:
| D |
Auction Duration:
| 7 days
|
Term:
| 36 months |
Estimated loss:
| 10.0% | | |
| | |
|
Starting lender yield:
| 29.00% |
Starting borrower rate/APR:
| 30.00% / 32.38% |
Starting monthly payment:
| $297.16 |
|
Auction yield range:
| 10.93% - 29.00% |
Estimated loss impact:
| 10.73% | | |
Lender servicing fee:
| 1.00% |
Estimated return:
| 18.27% | | |
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper scores:
| |
First credit line:
| Dec-1992 |
Debt/Income ratio:
| 42% |
Basic (1-10):
| 8 |
Inquiries last 6m:
| 0 | Employment status: | Full-time employee |
Enhanced (1-5): | 3 |
Current / open credit lines:
| 6
/
6 | Length of status: | 11y 11m |
Credit score:
| 680-699 (Jul-2010) |
Total credit lines:
| 19 |
Occupation: | Teacher |
Now delinquent:
| 0 |
Revolving credit balance:
| $33,167 | Stated income: | $50,000-$74,999 |
Amount delinquent:
| $0 |
Bankcard utilization:
| 92% | | |
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| Yes | | |
Delinquencies in last 7y:
| 0 | | | | |
Screen name:
| WCS1730 |
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 Debt
Purpose of loan:
This loan will be used to? to help payback my student loan.
My financial situation:
I am a good candidate for this loan because?? I am a dependable person that takes my responsibilities very seriously.? I have never shied away from a difficult situation. I have never filed bankruptcy or defaulted on any loan.?
Monthly net income: $ 4400
Monthly expenses: $
??Housing: $ 1550
??Insurance: $?80
??Car expenses: $ 316 - will be pad off in Dec. 2010
??Utilities: $?250
??Phone, cable, internet: $ 160
??Food, entertainment: $?300
??Clothing, household expenses $?100
??Credit cards and other loans: $ 600 (student loans)
??Other expenses: $?200 (savings)
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
467002
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount:
| $3,000.00 |
Prosper Rating:
| HR |
Auction Duration:
| 7 days
|
Term:
| 36 months |
Estimated loss:
| 18.0% | | |
| | |
|
Starting lender yield:
| 17.00% |
Starting borrower rate/APR:
| 18.00% / 20.21% |
Starting monthly payment:
| $108.46 |
|
Auction yield range:
| 16.93% - 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:
| Nov-1995 |
Debt/Income ratio:
| 14% |
Basic (1-10):
| 5 |
Inquiries last 6m:
| 6 | Employment status: | Full-time employee |
Enhanced (1-5): | 4 |
Current / open credit lines:
| 9
/
9 | Length of status: | 2y 0m |
Credit score:
| 700-719 (Jul-2010) |
Total credit lines:
| 18 |
Occupation: | Sales - Commission |
Now delinquent:
| 0 |
Revolving credit balance:
| $4,099 | Stated income: | $50,000-$74,999 |
Amount delinquent:
| $0 |
Bankcard utilization:
| 7% | | |
Public records last 12m / 10y:
| 0/ 1 |
Homeownership:
| Yes | | |
Delinquencies in last 7y:
| 15 | | | | |
Screen name:
| a-hope-doughnut |
Borrower's state:
| Utah |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Description
Paying for wife's hip surgery
Purpose of loan:
This loan will be used to pay for my wife's hip replacement surgery without it she is in constant pain and isn't able to walk much.
My financial situation:
I am a good candidate for this loan because i have demonstarted that I am serious about paying my bills on time.? I have been saving for her surgeries, but I?still need about $3,000. ?I would like her to have the surgery as soon as posible, since we would like to go on vacation for the end of year holidays and she needs time ot heal and recover before we are able to do so.
Monthly net income: $ I am payed on comission ranging from a really bad month of?$5600 ?-? to a good month 0f $6400
Monthly expenses: $
??Housing: $?759
??Insurance: $ 50
??Car expenses: $ 460
??Utilities: $?50
??Phone, cable, internet: $ 75
??Food, entertainment: $700?
??Clothing, household expenses $?200
??Credit cards and other loans: $ 150
??Other expenses: $ 0
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
467006
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount:
| $20,000.00 |
Prosper Rating:
| HR |
Auction Duration:
| 7 days
|
Term:
| 36 months |
Estimated loss:
| 18.0% | | |
| | |
|
Starting lender yield:
| 34.00% |
Starting borrower rate/APR:
| 35.00% / 37.45% |
Starting monthly payment:
| $904.72 |
|
Auction yield range:
| 16.93% - 34.00% |
Estimated loss impact:
| 20.01% | | |
Lender servicing fee:
| 1.00% |
Estimated return:
| 13.99% | | |
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper scores:
| |
First credit line:
| Jul-1992 |
Debt/Income ratio:
| 30% |
Basic (1-10):
| 5 |
Inquiries last 6m:
| 0 | Employment status: | Full-time employee |
Enhanced (1-5): | 5 |
Current / open credit lines:
| 8
/
7 | Length of status: | 16y 4m |
Credit score:
| 640-659 (Jul-2010) |
Total credit lines:
| 33 |
Occupation: | Skilled Labor |
Now delinquent:
| 0 |
Revolving credit balance:
| $13,509 | Stated income: | $50,000-$74,999 |
Amount delinquent:
| $0 |
Bankcard utilization:
| 87% | | |
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| No | | |
Delinquencies in last 7y:
| 2 | | | | |
Screen name:
| kind-wonderous-payout |
Borrower's state:
| Ohio |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Description
Paying off my credit cards
Purpose of loan:
This loan will be used to?
To pay off all of my credit card debt
My financial situation:
I am a good candidate for this loan because?
I am working full time and my wife works full time. Both of our companies are doing well at this time and we have always paid our bill. No matter what...we have always felt that bankruptcy is not an option.
Monthly net income: $
4450.00
Monthly expenses: $
??Housing: $
910.00
??Insurance: $
180.00
??Car expenses: $
600.00
??Utilities: $
250.00
??Phone, cable, internet: $
103.00
??Food, entertainment: $
??Clothing, household expenses $
??Credit cards and other loans: $
900.00
??Other expenses: $
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
467008
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount:
| $9,000.00 |
Prosper Rating:
| HR |
Auction Duration:
| 7 days
|
Term:
| 36 months |
Estimated loss:
| 18.0% | | |
| | |
|
Starting lender yield:
| 34.00% |
Starting borrower rate/APR:
| 35.00% / 37.45% |
Starting monthly payment:
| $407.12 |
|
Auction yield range:
| 16.93% - 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-1988 |
Debt/Income ratio:
| 21% |
Basic (1-10):
| 4 |
Inquiries last 6m:
| 0 | Employment status: | Full-time employee |
Enhanced (1-5): | 5 |
Current / open credit lines:
| 7
/
7 | Length of status: | 8y 4m |
Credit score:
| 640-659 (Jun-2010) |
Total credit lines:
| 29 |
Occupation: | Attorney |
Now delinquent:
| 0 |
Revolving credit balance:
| $7,647 | Stated income: | $100,000+ |
Amount delinquent:
| $0 |
Bankcard utilization:
| 101% | | |
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| Yes | | |
Delinquencies in last 7y:
| 0 | | | | |
Screen name:
| elevated-return5 |
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
START-UP BUSINESS
Purpose of loan:
This loan will be used to start-up a very profitable business opportunity that will give a return of 30% to 40%.? It's the Back Rubber Vending Massage Chair franchise.????I am sure you have seen? or may have even used one of these chairs?in a mall somewhere.? The market in my location?is wide open an will allow me to explode with this business.
I?will be able to repay, because I have a steady job? with the Government and these chairs will make money for me while I work.? I will not need to hire any additional manpower.? The earnings will be all mine.? Thus ensuring that there is enough money in the business to pay this loan.? Not to mention that my income from my job ($110,500 annually) in and of itself offers enough money for me to repay the loan monthly.
I am a sure pay, pay my obligations timely?and appreciate the value of your money.
net income: $ 6,274.00
Monthly expenses: $ 4,434.00
??Housing: $ 1,000.00
??Insurance: $ 125.00
?Car expenses: $200.00
??Utilities: $?200.00
??Phone, cable, internet: $?100.00
??Food, entertainment: $ 500.00
??Clothing, household expenses $ 200.00
Credit cards and other loans: $ 1934.00
??Other expenses: $ 175.00
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
467012
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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:
| 19.00% |
Starting borrower rate/APR:
| 20.00% / 22.24% |
Starting monthly payment:
| $185.82 |
|
Auction yield range:
| 10.93% - 19.00% |
Estimated loss impact:
| 10.45% | | |
Lender servicing fee:
| 1.00% |
Estimated return:
| 8.55% | | |
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper scores:
| |
First credit line:
| Jun-2002 |
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:
| 5
/
5 | Length of status: | 1y 5m |
Credit score:
| 640-659 (Jul-2010) |
Total credit lines:
| 22 |
Occupation: | Professional |
Now delinquent:
| 0 |
Revolving credit balance:
| $7,994 | Stated income: | $25,000-$49,999 |
Amount delinquent:
| $0 |
Bankcard utilization:
| 61% | | |
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| No | | |
Delinquencies in last 7y:
| 0 | | | | |
Screen name:
| PhilanthropyGirl |
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
Crunching the Credit Card
Purpose of loan:
This loan will be used to help pay down a higher interest credit card I opened when financial times got a little tough prior to my current employment.? I lived in a more expensive city (closer to where I work) and recently moved to a place where rent is cheaper and utilities are less expensive.? I am doing all I can to ensure I maintain a great credit score (see my financial situation notes) while paying down my credit cards and working towards long-term fiscal responsibility.
My financial situation:
I am a good candidate for this loan because contrary to the listed credit score, my Experian score is 718 which puts me in the Good bracket.? I have never missed a credit or loan payment -- ever.? I value repayment so highly and that is why I want to reduce my high APR on my credit card.
Monthly net income: $
2500
Monthly expenses: $1425 - 1725+
??Housing: $750
??Insurance: $0 (work covers)
??Car expenses: $0 (I use public transit which is covered by work)
??Utilities: $75 (actually higher but shared with roommate)
??Phone, cable, internet: $40 (higher but shared with roommate)
??Food, entertainment: $150
??Credit cards and other loans: $300-600+ (as much as possible, of course)
??Other expenses: $150
Thank you for considering my listing.? Years ago, I was able to fund others' listings and hope you can now assist me as I am in need of some help.
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
467014
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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:
| 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:
| $656.67 |
|
Auction yield range:
| 3.93% - 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:
| Oct-1999 |
Debt/Income ratio:
| 34% |
Basic (1-10):
| 8 |
Inquiries last 6m:
| 0 | Employment status: | Full-time employee |
Enhanced (1-5): | 5 |
Current / open credit lines:
| 10
/
8 | Length of status: | 4y 6m |
Credit score:
| 760-779 (Jul-2010) |
Total credit lines:
| 25 |
Occupation: | Construction |
Now delinquent:
| 0 |
Revolving credit balance:
| $9,257 | Stated income: | $100,000+ |
Amount delinquent:
| $0 |
Bankcard utilization:
| 20% | | |
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| No | | |
Delinquencies in last 7y:
| 0 | | | | |
Screen name:
| money-orbiter0 |
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
Engagement and Wedding
Purpose of loan:
The loan will be utilized to purchase an engagement ring and help fund our wedding.? She's worth every penny!? Thanks for you're consideration.
My financial situation:
I am very financially stable and have never missed a payment.? This is reflected with my high credit score.
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
467020
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount:
| $5,000.00 |
Prosper Rating:
| HR |
Auction Duration:
| 7 days
|
Term:
| 36 months |
Estimated loss:
| 34.5% | | |
| | |
|
Starting lender yield:
| 34.00% |
Starting borrower rate/APR:
| 35.00% / 37.45% |
Starting monthly payment:
| $226.18 |
|
Auction yield range:
| 16.93% - 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:
| Nov-1979 |
Debt/Income ratio:
| 18% |
Basic (1-10):
| 1 |
Inquiries last 6m:
| 2 | Employment status: | Full-time employee |
Enhanced (1-5): | 2 |
Current / open credit lines:
| 2
/
2 | Length of status: | 3y 9m |
Credit score:
| 640-659 (Jul-2010) |
Total credit lines:
| 30 |
Occupation: | Teacher |
Now delinquent:
| 4 |
Revolving credit balance:
| $0 | Stated income: | $25,000-$49,999 |
Amount delinquent:
| $4,821 |
Bankcard utilization:
| 0% | | |
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| Yes | | |
Delinquencies in last 7y:
| 39 | | | | |
Screen name:
| YAYARUFF |
Borrower's state:
| Minnesota |
Borrower's group:
| UtopiaLoans.com - Now Over $1 Million in Closed Loans!! |
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan history | Payment history | Credit score history |
Active / total loans:
| 1 / 1 |
On-time:
| 29 ( 91% )
| 640-659 (Latest)
|
Principal borrowed:
| $3,500.00 | < 31 days late:
| 3
( 9% )
| 640-659
(May-2010)
660-679
(Mar-2010)
680-699
(Nov-2009)
680-699
(Aug-2009)
|
Principal balance:
| $550.29 |
31+ days late:
| 0
( 0% )
|
Total payments billed:
| 32 | | |
Description
PAY UP MY BILLS
Purpose of loan:
This loan will be used to? BRING ALL MY BILLS CURRENT
My financial situation:
I am a good candidate for this loan because? I DESERVE A BREAK TODAY
Monthly net income: $ 3600
Monthly expenses: $
??Housing: $ 1387
??Insurance: $ 140
??Car expenses: $ 75
??Utilities: $ 200
??Phone, cable, internet: $ 99
??Food, entertainment: $ 150
??Clothing, household expenses $ 200
??Credit cards and other loans: $ 150
??Other expenses: $ 250
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
467026
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount:
| $12,500.00 |
Prosper Rating:
| HR |
Auction Duration:
| 7 days
|
Term:
| 36 months |
Estimated loss:
| 18.0% | | |
| | |
|
Starting lender yield:
| 34.00% |
Starting borrower rate/APR:
| 35.00% / 37.45% |
Starting monthly payment:
| $565.45 |
|
Auction yield range:
| 16.93% - 34.00% |
Estimated loss impact:
| 20.01% | | |
Lender servicing fee:
| 1.00% |
Estimated return:
| 13.99% | | |
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper scores:
| |
First credit line:
| Jan-1987 |
Debt/Income ratio:
| Self-employed (DTI Not Calculated) |
Basic (1-10):
| 3 |
Inquiries last 6m:
| 1 | Employment status: | Self-employed |
Enhanced (1-5): | 2 |
Current / open credit lines:
| 9
/
9 | Length of status: | 16y 7m |
Credit score:
| 740-759 (Jul-2010) |
Total credit lines:
| 30 |
Occupation: | Other |
Now delinquent:
| 0 |
Revolving credit balance:
| $60,424 | Stated income: | $50,000-$74,999 |
Amount delinquent:
| $0 |
Bankcard utilization:
| 88% | | |
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| Yes | | |
Delinquencies in last 7y:
| 0 | | | | |
Screen name:
| gptrix |
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:
| 0 / 1 |
On-time:
| 16 ( 94% )
| 740-759 (Latest)
|
Principal borrowed:
| $7,000.00 | < 31 days late:
| 1
( 6% )
| 700-719
(Feb-2008)
|
Principal balance:
| $0.00 |
31+ days late:
| 0
( 0% )
|
Total payments billed:
| 17 | | |
Description
"Remodeling Kitchen and Bath
Purpose of loan:
This loan will be used for improvements to our kitchen and bath.? Been the same for almost 24 years!? Yikes!? Realitor mentioned it might be a good idea, as it will add value to our home.? Also may change focus to adding a bedroom, depending on the design ideas from the architect.? Either improvement will add to our home value.? Although we have no intention in moving or selling at this time, the improvements are better performed now, rather than later.? Thanks for helping!
My financial situation:
I am a good candidate for this loan because we of my past history with my last prosper loan, and other than my corporate credit cards, we really don't have any other extravagant expenditures to consider.
Monthly net income: $
5,000.00 approximate
Monthly expenses: $
??Housing: $
1800.00
??Insurance: $
1000.00
??Car expenses: $ 250
??Utilities: $
150.00
??Phone, cable, internet: $
200.00
??Food, entertainment: $
250.00
??Clothing, household expenses $
100.00
??Credit cards and other loans: $
14000.00
??Other expenses: $
0
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
467030
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount:
| $25,000.00 |
Prosper Rating:
| HR |
Auction Duration:
| 7 days
|
Term:
| 36 months |
Estimated loss:
| 18.0% | | |
| | |
|
Starting lender yield:
| 17.00% |
Starting borrower rate/APR:
| 18.00% / 20.21% |
Starting monthly payment:
| $903.81 |
|
Auction yield range:
| 16.93% - 17.00% |
Estimated loss impact:
| 18.94% | | |
Lender servicing fee:
| 1.00% |
Estimated return:
| -1.94% | | |
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper scores:
| |
First credit line:
| Mar-1989 |
Debt/Income ratio:
| Self-employed (DTI Not Calculated) |
Basic (1-10):
| 3 |
Inquiries last 6m:
| 1 | Employment status: | Self-employed |
Enhanced (1-5): | 4 |
Current / open credit lines:
| 7
/
7 | Length of status: | 10y 6m |
Credit score:
| 760-779 (Jul-2010) |
Total credit lines:
| 17 |
Occupation: | Investor |
Now delinquent:
| 0 |
Revolving credit balance:
| $79 | Stated income: | $100,000+ |
Amount delinquent:
| $0 |
Bankcard utilization:
| 0% | | |
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| No | | |
Delinquencies in last 7y:
| 1 | | | | |
Screen name:
| gain-river2 |
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
Property Acquisition
Purpose of loan:
This loan will be used to cover transactional costs related to the acquisition of a personal care home that I will purchase at a?good capitalization rate (i.e. it cash flows well for the price I'm paying).? This property has a very large upside potential by simply stabilizing the occupancy at market rates, and I should be able to double the property's net operating?income and value within 6-12 months.? The current owner/operator does not operate the facility at its capacity because she does not want to work very much.? The current net operating income on the property is about $150,000 per year, and it should be at $250,000 per year within a few months after I purchase it and improve its operation.? It is an excellent opportunity, and?I'm just a little short of the money that I need to complete this purchase, hence this funding request.
My financial situation:
I am a good candidate for this loan because I can easily afford to make the payments on this loan from my current income, and once I complete the purchase of this property within the next 60 days, my income will increase by about 50% immediately.??Within 6-12 months after the purchase of this property, my income will more than double to well?over $350,000.??
Monthly net income: $ 14,000+?(gross) $12,000+ (net)??
Monthly expenses: $ 8,875
??Housing: $ 3,500
??Insurance: $?250?
??Car expenses: $?110 (gas and insurance)
??Utilities: $ 155
??Phone, cable, internet: $ 345
??Food, entertainment: $ 800
??Clothing, household expenses $?200
??Credit cards and other loans: $ 15
??Other expenses: $ 1500 (my mother's rent and car insurance, but I may actually?move her into my house next month, thereby increasing my cash flow); $ 2,000 (hobbies)
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
467036
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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:
| 16.93% - 34.00% |
Estimated loss impact:
| 20.01% | | |
Lender servicing fee:
| 1.00% |
Estimated return:
| 13.99% | | |
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper scores:
| |
First credit line:
| Aug-2003 |
Debt/Income ratio:
| 15% |
Basic (1-10):
| 4 |
Inquiries last 6m:
| 3 | Employment status: | Full-time employee |
Enhanced (1-5): | 5 |
Current / open credit lines:
| 12
/
12 | Length of status: | 6y 3m |
Credit score:
| 700-719 (Jul-2010) |
Total credit lines:
| 18 |
Occupation: | Nurse (RN) |
Now delinquent:
| 0 |
Revolving credit balance:
| $6,142 | Stated income: | $75,000-$99,999 |
Amount delinquent:
| $0 |
Bankcard utilization:
| 97% | | |
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| Yes | | |
Delinquencies in last 7y:
| 0 | | | | |
Screen name:
| Tanganyika-Aquatics |
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
Inventory and fish room expansion
Purpose of loan:
My husband and I started Tanganyika Aquatics a few months ago.We import Wild African Cichlids directly from Africa and then sell them to breeders and hobbyists.African Cichlids are bright, colorful and active fish that give you the feel of a saltwater tank without the major maintenance required of a saltwater tank.Wild caught cichlids are prized by breeders and hobbyists over tank raised cichlids due to their more vibrant colors and more natural activities.Currently we have thirty fish tanks running with wild caught cichlids in them.Part of this loan is to expand the number of tanks that I have so that I can bring in larger numbers of cichlids or a greater variety of cichlids. Another portion of this loan will go towards the purchase of more wild cichlids. My husband and I have already put about $12,000.00 into the business and are looking for a small amount more to finish setting up the business for success.Our high bankcard utilization is due to establishing the business..
My financial situation:
I am a good candidate for this loan because we are hard working and are dedicated to making our business a success.? We also?make our payments on time.?
Monthly net income: $ 5000.00
Monthly expenses: $
??Housing: $ 1600.00
??Insurance: $ 130.00
??Car expenses: $ 460.00
??Utilities: $ 145.00
??Phone, cable, internet: $120.00
??Food, entertainment: $ 400.00
??Clothing, household expenses $125.00
??Credit cards and other loans: $ 500.00
??Other expenses: $ 150.00
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
467038
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount:
| $15,000.00 |
Prosper Rating:
| B |
Auction Duration:
| 7 days
|
Term:
| 36 months |
Estimated loss:
| 5.0% | | |
| | |
|
Starting lender yield:
| 7.00% |
Starting borrower rate/APR:
| 8.00% / 10.08% |
Starting monthly payment:
| $470.05 |
|
Auction yield range:
| 5.93% - 7.00% |
Estimated loss impact:
| 5.10% | | |
Lender servicing fee:
| 1.00% |
Estimated return:
| 1.90% | | |
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper scores:
| |
First credit line:
| Apr-1991 |
Debt/Income ratio:
| 9% |
Basic (1-10):
| 8 |
Inquiries last 6m:
| 0 | Employment status: | Full-time employee |
Enhanced (1-5): | 5 |
Current / open credit lines:
| 12
/
11 | Length of status: | 5y 0m |
Credit score:
| 740-759 (Jul-2010) |
Total credit lines:
| 40 |
Occupation: | Doctor |
Now delinquent:
| 0 |
Revolving credit balance:
| $260,119 | Stated income: | $100,000+ |
Amount delinquent:
| $0 |
Bankcard utilization:
| 96% | | |
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| Yes | | |
Delinquencies in last 7y:
| 0 | | | | |
Screen name:
| diversification-cypress |
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
Credit card payoff
Purpose of loan:
This loan will be used to?
pay off my high interest CC
My financial situation:
I am a good candidate for this loan because?
I faithfully pay my bills on time
Monthly net income: $
Monthly expenses: $
??Housing: $
??Insurance: $
??Car expenses: $
??Utilities: $
??Phone, cable, internet: $
??Food, entertainment: $
??Clothing, household expenses $
??Credit cards and other loans: $
??Other expenses: $
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
467044
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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:
| 16.93% - 34.00% |
Estimated loss impact:
| 20.01% | | |
Lender servicing fee:
| 1.00% |
Estimated return:
| 13.99% | | |
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper scores:
| |
First credit line:
| Oct-1994 |
Debt/Income ratio:
| 28% |
Basic (1-10):
| 4 |
Inquiries last 6m:
| 1 | Employment status: | Full-time employee |
Enhanced (1-5): | 4 |
Current / open credit lines:
| 7
/
4 | Length of status: | 7y 10m |
Credit score:
| 640-659 (Jul-2010) |
Total credit lines:
| 22 |
Occupation: | Teacher |
Now delinquent:
| 0 |
Revolving credit balance:
| $8,522 | Stated income: | $50,000-$74,999 |
Amount delinquent:
| $0 |
Bankcard utilization:
| 0% | | |
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| No | | |
Delinquencies in last 7y:
| 0 | | | | |
Screen name:
| enthralling-bid8 |
Borrower's state:
| RhodeIsland |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Description
wedding loan
Purpose of loan:
This loan will be used to?finalize?the financial requirements for my wedding.?
My financial situation:
I am a good candidate for this loan because I have the financial ability to pay it off.
Monthly net income: $
2800
Monthly expenses: $
??Housing: $ 0
??Insurance: $73?????
??Car expenses: $ 100
??Utilities: $0
??Phone, cable, internet: $0
??Food, entertainment: $ 400
??Clothing, household expenses $ 50
??Credit cards and other loans: $ 700
??Other expenses: $
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
467050
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount:
| $8,500.00 |
Prosper Rating:
| A |
Auction Duration:
| 7 days
|
Term:
| 36 months |
Estimated loss:
| 2.1% | | |
| | |
|
Starting lender yield:
| 5.00% |
Starting borrower rate/APR:
| 6.00% / 8.06% |
Starting monthly payment:
| $258.59 |
|
Auction yield range:
| 3.93% - 5.00% |
Estimated loss impact:
| 2.10% | | |
Lender servicing fee:
| 1.00% |
Estimated return:
| 2.90% | | |
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper scores:
| |
First credit line:
| Jan-1996 |
Debt/Income ratio:
| 6% |
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: | 15y 10m |
Credit score:
| 780-799 (Jul-2010) |
Total credit lines:
| 55 |
Occupation: | Engineer - Electric... |
Now delinquent:
| 0 |
Revolving credit balance:
| $1,908 | Stated income: | $50,000-$74,999 |
Amount delinquent:
| $0 |
Bankcard utilization:
| 3% | | |
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| Yes | | |
Delinquencies in last 7y:
| 0 | | | | |
Screen name:
| greenback-zoomer0 |
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 home A/C and furnace system
Purpose of loan:
This loan will be used to update my home's A/C and furnace system.
My financial situation:
I am a good candidate for this loan because my credit and employment is superb.
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
467054
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount:
| $20,000.00 |
Prosper Rating:
| HR |
Auction Duration:
| 7 days
|
Term:
| 36 months |
Estimated loss:
| 18.0% | | |
| | |
|
Starting lender yield:
| 34.00% |
Starting borrower rate/APR:
| 35.00% / 37.45% |
Starting monthly payment:
| $904.72 |
|
Auction yield range:
| 16.93% - 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:
| 120% |
Basic (1-10):
| 5 |
Inquiries last 6m:
| 1 | Employment status: | Full-time employee |
Enhanced (1-5): | 3 |
Current / open credit lines:
| 10
/
8 | Length of status: | 2y 2m |
Credit score:
| 680-699 (Jul-2010) |
Total credit lines:
| 24 |
Occupation: | Sales - Retail |
Now delinquent:
| 0 |
Revolving credit balance:
| $23,129 | Stated income: | $1-$24,999 |
Amount delinquent:
| $0 |
Bankcard utilization:
| 54% | | |
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| No | | |
Delinquencies in last 7y:
| 0 | | | | |
Screen name:
| useful-justice5 |
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
start up morney for business
Purpose of loan:
This loan will be used to buy a local dry cleaner store. I am a divorced single mother. I have been worked in dry cleaner for 15 years but I never have enough money to own my own store. Right now I am working at local grocery store as a sales associate. One of my old friends plan to retire and want to sell his store for 100K. I want to buy this store and run it by myself. I have all the skills and know how to make it grow but I am little short in cash. I want to borrow $20,000 and down pay the store and run it. I am so positive I can make money in this store and pay the money I borrowed very soon.?
My financial situation:
Right now my financial situation does not look good because I don?t make enough money at local grocery store. I can leave well with little income?because?i am staying in my reletive's home and don't have to?pay rent or any utilities.?I can stay here?as long as i want to. ?I am an experts in cleaning business especially alterations. If I buy this store, I can make it as dry cleaner specialized in alterations.??
Monthly net income: $ 1800
Monthly expenses: $ 1800
??Housing: $ 0
??Insurance: $ 100
??Car expenses: $ 300
??Utilities: $ 0
??Phone, cable, internet: $ 0
??Food, entertainment: $ 500
??Clothing, household expenses $ 100
??Credit cards and other loans: $ 700
??Other expenses: $
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
467062
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount:
| $13,200.00 |
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:
| $490.56 |
|
Auction yield range:
| 16.93% - 19.00% |
Estimated loss impact:
| 19.06% | | |
Lender servicing fee:
| 1.00% |
Estimated return:
| -0.06% | | |
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper scores:
| |
First credit line:
| Aug-1995 |
Debt/Income ratio:
| 24% |
Basic (1-10):
| 5 |
Inquiries last 6m:
| 0 | Employment status: | Full-time employee |
Enhanced (1-5): | 5 |
Current / open credit lines:
| 11
/
9 | Length of status: | 5y 1m |
Credit score:
| 640-659 (Jul-2010) |
Total credit lines:
| 27 |
Occupation: | Retail Management |
Now delinquent:
| 0 |
Revolving credit balance:
| $13,313 | Stated income: | $75,000-$99,999 |
Amount delinquent:
| $0 |
Bankcard utilization:
| 96% | | |
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| No | | |
Delinquencies in last 7y:
| 0 | | | | |
Screen name:
| sentimental-openness5 |
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:
I'm using this loan to pay down my credit cards. I am not using this to accumulate more debt but to consolidate my current credit card debt so that I can increase the amount I can save for and achieve my goal of becoming debt free and buying a house.
My financial situation:
I understand the power that debt has over a person. I am EXTREMELY motivated to eliminate my debt. I understand that my score and high credit card balances make me look like an irresponsible borrower. However, I went through a separation a little over one year ago. Part of our marriage was based on an agreement that I would pay for my spouse's tuition and main expenses until she graduated, became a nurse and could pay for half of the living expenses so that I might turn half of my income to the accumulated debt and pay it off. Unfortunately, I now support myself and the debt we both accumulated on my own. Again, I understand that I am responsible for the debt that I have but I am COMMITTED to eliminating it and doing so as successfully, efficiently and as QUICKLY as possible.
Monthly net income: $? 3500
Monthly expenses: $
??Housing: $ 925
??Insurance: $ 174
??Car expenses: $?75
??Utilities: $ 75
??Phone, cable, internet: $ 50
??Food, entertainment: $ 150
??Clothing, household expenses $ 100
??Credit cards and other loans: $?1070 ($400 would be eliminated or be?substituted by this?consolidation loan)
??Other expenses: $ 200
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
467072
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount:
| $2,300.00 |
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:
| $73.35 |
|
Auction yield range:
| 3.93% - 8.20% |
Estimated loss impact:
| 2.12% | | |
Lender servicing fee:
| 1.00% |
Estimated return:
| 6.08% | | |
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper scores:
| |
First credit line:
| Apr-1999 |
Debt/Income ratio:
| 20% |
Basic (1-10):
| 10 |
Inquiries last 6m:
| 1 | Employment status: | Full-time employee |
Enhanced (1-5): | 4 |
Current / open credit lines:
| 14
/
12 | Length of status: | 5y 11m |
Credit score:
| 720-739 (Jul-2010) |
Total credit lines:
| 21 |
Occupation: | Sales - Commission |
Now delinquent:
| 0 |
Revolving credit balance:
| $11,672 | Stated income: | $25,000-$49,999 |
Amount delinquent:
| $0 |
Bankcard utilization:
| 46% | | |
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| Yes | | |
Delinquencies in last 7y:
| 0 | | | | |
Screen name:
| TBO_LLC |
Borrower's state:
| Illinois |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Description
Paying off credit cards
Purpose of loan:
This loan will be used to? Consolidate varying rate credit cards. I know that you can't borrow your way out of debt but a lower rate makes it go away faster. I just paid off a $2200 balance on my home Improvment card that has not been reported yet.
My financial situation:
I am a good candidate for this loan because? I have a steady work history and no delinquencies.
Monthly net income: $ 3850.00
Monthly expenses: $ 1645
Housing: $ 800.
Insurance: $ 100.
Car expenses: $ 0
Utilities: $ 80.00
Phone, cable, internet: $ 65.00
Food, entertainment: $ 100-150.00
Clothing, household expenses $
Credit cards and other loans: $ 500.00 (will be replaced by this loan)
Other expenses: $
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
467084
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount:
| $5,000.00 |
Prosper Rating:
| AA |
Auction Duration:
| 7 days
|
Term:
| 36 months |
Estimated loss:
| 1.5% | | |
| | |
|
Starting lender yield:
| 7.30% |
Starting borrower rate/APR:
| 8.30% / 8.64% |
Starting monthly payment:
| $157.37 |
|
Auction yield range:
| 2.93% - 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:
| Apr-2002 |
Debt/Income ratio:
| 11% |
Basic (1-10):
| 8 |
Inquiries last 6m:
| 1 | Employment status: | Full-time employee |
Enhanced (1-5): | 5 |
Current / open credit lines:
| 7
/
6 | Length of status: | 3y 9m |
Credit score:
| 800-819 (Jul-2010) |
Total credit lines:
| 15 |
Occupation: | Fireman |
Now delinquent:
| 0 |
Revolving credit balance:
| $10,648 | Stated income: | $50,000-$74,999 |
Amount delinquent:
| $0 |
Bankcard utilization:
| 58% | | |
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| Yes | | |
Delinquencies in last 7y:
| 0 | | | | |
Screen name:
| stable-order4 |
Borrower's state:
| Maryland |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Description
Fireman trying to buy a motorcycle!
Purpose of loan:
This loan will be used to?
My financial situation:Steady job with a steady paycheck in a field that isn't going anywhere! Plus a lot of availible overtime!
I am a good candidate for this loan because I will be able to pay the monthly payment with no problem.
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
467086
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount:
| $9,000.00 |
Prosper Rating:
| HR |
Auction Duration:
| 7 days
|
Term:
| 36 months |
Estimated loss:
| 18.0% | | |
| | |
|
Starting lender yield:
| 34.00% |
Starting borrower rate/APR:
| 35.00% / 37.45% |
Starting monthly payment:
| $407.12 |
|
Auction yield range:
| 16.93% - 34.00% |
Estimated loss impact:
| 20.01% | | |
Lender servicing fee:
| 1.00% |
Estimated return:
| 13.99% | | |
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper scores:
| |
First credit line:
| Jun-1997 |
Debt/Income ratio:
| 17% |
Basic (1-10):
| 4 |
Inquiries last 6m:
| 1 | Employment status: | Full-time employee |
Enhanced (1-5): | 5 |
Current / open credit lines:
| 7
/
4 | Length of status: | 7y 0m |
Credit score:
| 680-699 (Jul-2010) |
Total credit lines:
| 31 |
Occupation: | Computer Programmer |
Now delinquent:
| 0 |
Revolving credit balance:
| $1,976 | Stated income: | $75,000-$99,999 |
Amount delinquent:
| $0 |
Bankcard utilization:
| 98% | | |
Public records last 12m / 10y:
| 0/ 1 |
Homeownership:
| No | | |
Delinquencies in last 7y:
| 0 | | | | |
Screen name:
| oborseth |
Borrower's state:
| Colorado |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan history | Payment history | Credit score history |
Active / total loans:
| 1 / 3 |
On-time:
| 38 ( 90% )
| 680-699 (Latest)
|
Principal borrowed:
| $6,600.00 | < 31 days late:
| 4
( 10% )
| 680-699
(May-2010)
680-699
(Apr-2008)
620-639
(May-2007)
640-659
(Jul-2006)
|
Principal balance:
| $1,012.65 |
31+ days late:
| 0
( 0% )
|
Total payments billed:
| 42 | | |
Description
4th Prosper Loan - Long Time User
Purpose of loan:
This loan will be used to pay off my current Prosper loan and pay for our families trip to Brazil in December for our wedding there. I am a long time borrower and lender on Prosper. This will be my 4th loan through Prosper and I have always been a stellar borrower. I don't recall what the 4 late payments were from but I think they were from when I had changed banks and didn't update Prosper. As you can see, my credit profile shows 0 delinquencies, my debt to income ratio is very low, and my enhanced Prosper score is 5/5. The HR rating is completely unwarranted.
Monthly NET income: $6000+ (gross: $7583+)
Monthly expenses:
??Housing: $1700
??Insurance: $180
??Car expenses: $600
??Utilities: $150
??Phone, cable, internet: $50
??Food, entertainment: $600
??Clothing, household expenses $200
??Credit cards and other loans: $150
Preschool: $750
??Other expenses: $200
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
467088
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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:
| 24.00% |
Starting borrower rate/APR:
| 25.00% / 27.31% |
Starting monthly payment:
| $795.20 |
|
Auction yield range:
| 16.93% - 24.00% |
Estimated loss impact:
| 19.38% | | |
Lender servicing fee:
| 1.00% |
Estimated return:
| 4.62% | | |
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper scores:
| |
First credit line:
| Jul-1994 |
Debt/Income ratio:
| 91% |
Basic (1-10):
| 5 |
Inquiries last 6m:
| 0 | Employment status: | Full-time employee |
Enhanced (1-5): | 3 |
Current / open credit lines:
| 18
/
16 | Length of status: | 3y 3m |
Credit score:
| 660-679 (Jul-2010) |
Total credit lines:
| 24 |
Occupation: | Professional |
Now delinquent:
| 0 |
Revolving credit balance:
| $95,631 | Stated income: | $25,000-$49,999 |
Amount delinquent:
| $0 |
Bankcard utilization:
| 91% | | |
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| Yes | | |
Delinquencies in last 7y:
| 1 | | | | |
Screen name:
| newest-cash-upholder |
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 and closing most accts
Purpose of loan:
This loan will be used to pay off and close most of my credit cards.
My financial situation:
I am a good candidate for this loan because I have always paid off my debts and will continue to do so.
Monthly net income: $ 2200.00
Monthly expenses: $
??Housing: $?Zero paid by husband
??Insurance: $ Zero paid by husband
??Car expenses: $ Just gas and general maintence
??Utilities: $ Zero paid by adult children living at home
??Phone, cable, internet: $ 180.00 pd by me
??Food, entertainment: $ 300.00 monthly
??Clothing, household expenses $ 75.00
??Credit cards and other loans: $ 1500.00 (loan will remove 80-90% of this expense)
??Other expenses: $ 50.00 misc
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
467090
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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:
| 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:
| $307.43 |
|
Auction yield range:
| 3.93% - 9.20% |
Estimated loss impact:
| 2.12% | | |
Lender servicing fee:
| 1.00% |
Estimated return:
| 7.08% | | |
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper scores:
| |
First credit line:
| Aug-2000 |
Debt/Income ratio:
| 31% |
Basic (1-10):
| 8 |
Inquiries last 6m:
| 0 | Employment status: | Full-time employee |
Enhanced (1-5): | 5 |
Current / open credit lines:
| 12
/
11 | Length of status: | 3y 9m |
Credit score:
| 760-779 (Jul-2010) |
Total credit lines:
| 31 |
Occupation: | Other |
Now delinquent:
| 0 |
Revolving credit balance:
| $12,020 | Stated income: | $25,000-$49,999 |
Amount delinquent:
| $0 |
Bankcard utilization:
| 55% | | |
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| Yes | | |
Delinquencies in last 7y:
| 0 | | | | |
Screen name:
| vector1982 |
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
Replacing my Skylark :(
Purpose of loan:
This loan will be used to buy a vehicle to replace my 1997 Buick Skylark.? I've been driving this vehicle for the last decade and it has treated me well, but after receiving a raise at work and mounting repair costs on the Skylark I've decided it is time to move on.? I'll be purchasing something in the $12,000 range, but only need $9,500 in loan form, as I have some money in savings I'll be using as well.
My financial situation:
I am a good candidate for this loan because of my stellar track record of never missing a payment since my credit history started ten years ago.?
Please ask any questions and I'll be sure to answer them promptly and thoroughly.
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
467092
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount:
| $4,500.00 |
Prosper Rating:
| HR |
Auction Duration:
| 7 days
|
Term:
| 36 months |
Estimated loss:
| 18.0% | | |
| | |
|
Starting lender yield:
| 34.00% |
Starting borrower rate/APR:
| 35.00% / 37.45% |
Starting monthly payment:
| $203.56 |
|
Auction yield range:
| 16.93% - 34.00% |
Estimated loss impact:
| 20.01% | | |
Lender servicing fee:
| 1.00% |
Estimated return:
| 13.99% | | |
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper scores:
| |
First credit line:
| Oct-2005 |
Debt/Income ratio:
| 19% |
Basic (1-10):
| 4 |
Inquiries last 6m:
| 2 | Employment status: | Full-time employee |
Enhanced (1-5): | 1 |
Current / open credit lines:
| 5
/
5 | Length of status: | 6y 5m |
Credit score:
| 640-659 (Jul-2010) |
Total credit lines:
| 5 |
Occupation: | Construction |
Now delinquent:
| 0 |
Revolving credit balance:
| $772 | Stated income: | $25,000-$49,999 |
Amount delinquent:
| $0 |
Bankcard utilization:
| 96% | | |
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| No | | |
Delinquencies in last 7y:
| 0 | | | | |
Screen name:
| payout-synapse0 |
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 loans, and cards
Purpose of loan:
This loan will be used to pay off the remainder of my student loans,? borrowed money for night school, and two credit cards.
My financial situation:
I am a good candidate for this loan because I am a hardworking individual who always pays his bills on time, and more than expected. When I work overtime I often pay the next month's bill early. With this loan used to pay off the remainder of my other loans, payments for this will not be any problem, as they will accumulate two the total of the other loans.
Monthly net income: $2200
Monthly expenses: $
? Housing: $500
? Insurance: $130
? Car expenses: $300
? Utilities: $70
? Phone, cable, internet: $100
? Food, entertainment: $240
? Clothing, household expenses $50
? Credit cards and other loans: $200
? Other expenses: $ 50
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
467096
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount:
| $25,000.00 |
Prosper Rating:
| HR |
Auction Duration:
| 7 days
|
Term:
| 36 months |
Estimated loss:
| 34.5% | | |
| | |
|
Starting lender yield:
| 29.00% |
Starting borrower rate/APR:
| 30.00% / 32.38% |
Starting monthly payment:
| $1,061.29 |
|
Auction yield range:
| 16.93% - 29.00% |
Estimated loss impact:
| 36.19% | | |
Lender servicing fee:
| 1.00% |
Estimated return:
| -7.19% | | |
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper scores:
| |
First credit line:
| Sep-1998 |
Debt/Income ratio:
| 51% |
Basic (1-10):
| 1 |
Inquiries last 6m:
| 0 | Employment status: | Full-time employee |
Enhanced (1-5): | 5 |
Current / open credit lines:
| 9
/
8 | Length of status: | 16y 4m |
Credit score:
| 700-719 (Jul-2010) |
Total credit lines:
| 43 |
Occupation: | Military Officer |
Now delinquent:
| 1 |
Revolving credit balance:
| $3,050 | Stated income: | $75,000-$99,999 |
Amount delinquent:
| $1,878 |
Bankcard utilization:
| 0% | | |
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| Yes | | |
Delinquencies in last 7y:
| 0 | | | | |
Screen name:
| payment-boomer |
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
"Consolidating Debts"
Purpose of loan:
This loan will be used to consolidate all of my loans into one central payment and to pay for a family trip to visit my wife's grandmother, who is gravely ill in Texas
My financial situation:
I am a good candidate for this loan because as a 16 year military member, I know the repercussions to my career of not repaying my debts in full.
Monthly net income: $
6300
Monthly expenses: $ 4900
??Housing: $
1798
??Insurance: $
150
??Car expenses: $810
??Utilities: $
450
??Phone, cable, internet: $
110
??Food, entertainment: $
600
??Clothing, household expenses $
100
??Credit cards and other loans: $
900
??Other expenses: $
4900
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
467098
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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:
| 25.0% | | |
| | |
|
Starting lender yield:
| 34.00% |
Starting borrower rate/APR:
| 35.00% / 37.45% |
Starting monthly payment:
| $113.09 |
|
Auction yield range:
| 16.93% - 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-2000 |
Debt/Income ratio:
| Self-employed (DTI Not Calculated) |
Basic (1-10):
| 2 |
Inquiries last 6m:
| 3 | Employment status: | Self-employed |
Enhanced (1-5): | 1 |
Current / open credit lines:
| 11
/
8 | Length of status: | 1y 2m |
Credit score:
| 640-659 (Jul-2010) |
Total credit lines:
| 20 |
Occupation: | Principal |
Now delinquent:
| 2 |
Revolving credit balance:
| $3,656 | Stated income: | $50,000-$74,999 |
Amount delinquent:
| $6,309 |
Bankcard utilization:
| 73% | | |
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| No | | |
Delinquencies in last 7y:
| 3 | | | | |
Screen name:
| rate-poplar9 |
Borrower's state:
| Texas |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Description
Inventory for new products
Purpose of loan:
This loan will be used to purchase new inventory for my Brazilian Jiu-Jitsu product line for women and girls.
My financial situation:
I am a good candidate for this loan because I am a hard worker and the products my company produces sell. Fenom Apparel has marketed products under the Fenom Kimonos brand since May 2009 and the acceptance has been incredible considering marketing?have been?100% grassroots. I do have some past credit issues related to another venture and would like to share these details with an interested investor.
For more information on Fenom Kimonos check out these links. Note: some links are contain unsolicited reviews of my products:
www.fenomkimonos.comwww.facebook.com/fenomkimonoswww.twitter.com/fenomkimonoshttp://meerkat69.blogspot.com/2010/02/fenomenal-interview-with-fenom-kimono.htmlhttp://georgetteoden.blogspot.com/2010/01/womens-gi-review-fenom-gi-a1.htmlhttp://georgetteoden.blogspot.com/2010/02/hillary-williams-seminar-22110.htmlhttp://georgetteoden.blogspot.com/2010/06/leticia-ribeiro-seminar-report.htmlhttp://megsmitley.blogspot.com/2010/02/fenom-kimono-women-bjj-gi-review.htmlMonthly net income: $3200
Monthly expenses: $
??Housing: $1000
??Insurance: $107
??Car expenses: $341
??Utilities: $200
??Phone, cable, internet: $250
??Food, entertainment: $300
??Clothing, household expenses $150
??Credit cards and other loans: $140
??Other expenses: $100
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
467102
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount:
| $10,000.00 |
Prosper Rating:
| HR |
Auction Duration:
| 7 days
|
Term:
| 36 months |
Estimated loss:
| 18.0% | | |
| | |
|
Starting lender yield:
| 16.93% |
Starting borrower rate/APR:
| 17.93% / 20.14% |
Starting monthly payment:
| $361.17 |
|
Auction yield range:
| 16.93% - 16.93% |
Estimated loss impact:
| 18.93% | | |
Lender servicing fee:
| 1.00% |
Estimated return:
| -2.00% | | |
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper scores:
| |
First credit line:
| Sep-1991 |
Debt/Income ratio:
| 13% |
Basic (1-10):
| 2 |
Inquiries last 6m:
| 1 | Employment status: | Full-time employee |
Enhanced (1-5): | 5 |
Current / open credit lines:
| 11
/
6 | Length of status: | 0y 10m |
Credit score:
| 800-819 (Jul-2010) |
Total credit lines:
| 38 |
Occupation: | Sales - Commission |
Now delinquent:
| 0 |
Revolving credit balance:
| $205 | 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:
| courteous-fund3 |
Borrower's state:
| Pennsylvania |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Description
Pay off Federal Taxes
Purpose of loan:
This loan will be used to?help pay off 2009 Federal Taxes and have cushion to pay monthly bills.?
My financial situation:
I am a good candidate for this loan because?I have excellent credit, and only debt is my current mortgage.? No?other debt.?
Monthly net income: $3500.00???
Monthly expenses: $?????
??Housing: $ 1740.00
??Insurance: $ 75.00
??Car expenses: $?250.00
??Utilities: $ 150.00
??Phone, cable, internet: $250.00
??Food, entertainment: $ 400.00
??Clothing, household expenses $?200.00
??Credit cards and other loans: $ 0
??Other expenses: $ 335.00
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
467114
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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:
| 27.33% |
Starting borrower rate/APR:
| 28.33% / 30.68% |
Starting monthly payment:
| $415.42 |
|
Auction yield range:
| 10.93% - 27.33% |
Estimated loss impact:
| 10.68% | | |
Lender servicing fee:
| 1.00% |
Estimated return:
| 16.65% | | |
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper scores:
| |
First credit line:
| Apr-1998 |
Debt/Income ratio:
| 18% |
Basic (1-10):
| 7 |
Inquiries last 6m:
| 0 | Employment status: | Full-time employee |
Enhanced (1-5): | 5 |
Current / open credit lines:
| 11
/
11 | Length of status: | 2y 5m |
Credit score:
| 660-679 (Jul-2010) |
Total credit lines:
| 23 |
Occupation: | Laborer |
Now delinquent:
| 0 |
Revolving credit balance:
| $12,058 | Stated income: | $50,000-$74,999 |
Amount delinquent:
| $0 |
Bankcard utilization:
| 77% | | |
Public records last 12m / 10y:
| 0/ 1 |
Homeownership:
| No | | |
Delinquencies in last 7y:
| 0 | | | | |
Screen name:
| fairness-baron |
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
Paying off my Credit cards.
Purpose of loan:
This loan will be used to?
My financial situation:
I am a good candidate for this loan because?
Monthly net income: $
Monthly expenses: $
??Housing: $
??Insurance: $
??Car expenses: $
??Utilities: $
??Phone, cable, internet: $
??Food, entertainment: $
??Clothing, household expenses $
??Credit cards and other loans: $
??Other expenses: $
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
467116
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount:
| $1,800.00 |
Prosper Rating:
| D |
Auction Duration:
| 7 days
|
Term:
| 36 months |
Estimated loss:
| 10.0% | | |
| | |
|
Starting lender yield:
| 25.33% |
Starting borrower rate/APR:
| 26.33% / 28.65% |
Starting monthly payment:
| $72.84 |
|
Auction yield range:
| 10.93% - 25.33% |
Estimated loss impact:
| 10.63% | | |
Lender servicing fee:
| 1.00% |
Estimated return:
| 14.70% | | |
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:
| Mar-1999 |
Debt/Income ratio:
| Self-employed (DTI Not Calculated) |
Basic (1-10):
| 7 |
Inquiries last 6m:
| 2 | Employment status: | Self-employed |
Enhanced (1-5): | 3 |
Current / open credit lines:
| 8
/
8 | Length of status: | 0y 7m |
Credit score:
| 660-679 (Jun-2010) |
Total credit lines:
| 8 |
Occupation: | Other |
Now delinquent:
| 0 |
Revolving credit balance:
| $23,897 | Stated income: | $25,000-$49,999 |
Amount delinquent:
| $0 |
Bankcard utilization:
| 66% | | |
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| No | | |
Delinquencies in last 7y:
| 0 | | | | |
Screen name:
| Raym257 |
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 pay property taxes and bills
Purpose of loan:
Hello, I listed this last week and it got 55% funded, relisting now with a lower amount for the loan, this loan will be used to help my parents and myself pay bills for a six family building we own in NY. We will have 3 apartments vacant by the end of July and will have to do some retouching up before re-renting them but we have some bills that need to be paid which include mainly the the property tax, water bill, insurance, etc, which overall add up to over a few thousands of dollars and we don''t have enough money right now to pay off all of them. Thank you
My financial situation:
I am a good candidate for this loan because I currently make anywhere from $1,800-$2,500 a month, and would be able to pay off the debt by the end of year if needed, but i know Prosper lists this as a 36 month loan, so i'm willing to pay the extra interest over the 36 months to get this money within the next few weeks or end of the month because the extra money would definitely help me and my parents out within the next few months with paying off most of these bills. *Also please note that even though my revolving credit balance it at $23k, only about $7k is my own, the rest of that is my parents credit card accounts that i am linked with.
Monthly net income: $ Anywhere from $1,800-$2,500
Monthly expenses: $
??Housing: $0(owns the place living in)
??Insurance: $0
??Car expenses: $200
??Utilities: $150
??Phone, cable, internet: $150
??Food, entertainment: $400
??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
467126
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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:
| 23.01% |
Starting borrower rate/APR:
| 24.01% / 27.89% |
Starting monthly payment:
| $39.24 |
|
Auction yield range:
| 7.93% - 23.01% |
Estimated loss impact:
| 7.05% | | |
Lender servicing fee:
| 1.00% |
Estimated return:
| 15.96% | | |
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper scores:
| |
First credit line:
| Jul-1995 |
Debt/Income ratio:
| 37% |
Basic (1-10):
| 9 |
Inquiries last 6m:
| 3 | Employment status: | Full-time employee |
Enhanced (1-5): | 2 |
Current / open credit lines:
| 14
/
11 | Length of status: | 3y 2m |
Credit score:
| 660-679 (Jul-2010) |
Total credit lines:
| 35 |
Occupation: | Administrative Assi... |
Now delinquent:
| 0 |
Revolving credit balance:
| $14,473 | Stated income: | $25,000-$49,999 |
Amount delinquent:
| $0 |
Bankcard utilization:
| 80% | | |
Public records last 12m / 10y:
| 0/ 1 |
Homeownership:
| Yes | | |
Delinquencies in last 7y:
| 0 | | | | |
Screen name:
| creative-social1 |
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
Please Help Roll My Debt Snowball
Purpose of loan:
This loan will be used to a pay down a high interest rate credit card.? I would rather give you the interest income than Chase Bank!!!!!
My financial situation:
I am a good candidate for this loan because I am a stable person with a strong work ethic who works full time during the day and studies at the university at night.? I will graduate in May 2011 with my bachelors degree at age 48!?
Monthly net income: $
3600
Monthly expenses: $
3600
??Housing: $
1000
??Insurance: $
0
??Car expenses: $
0 - I work within walking distance to my home.
??Utilities: $
200
??Phone, cable, internet: $
50
??Food, entertainment: $
200
??Clothing, household expenses $
150
??Credit cards and other loans: $
1000? ($700 goes to the minimum payments on the debt and I use the rest to pay off debt using the snowball method.)
??Other expenses: $?
- 1000 - Daughter is a senior away at college.? I pay her rent and give her assistance.? This expense will end May 2011. She works to pay her tuition bill.
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
467128
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount:
| $10,000.00 |
Prosper Rating:
| HR |
Auction Duration:
| 7 days
|
Term:
| 36 months |
Estimated loss:
| 18.0% | | |
| | |
|
Starting lender yield:
| 19.00% |
Starting borrower rate/APR:
| 20.00% / 22.24% |
Starting monthly payment:
| $371.64 |
|
Auction yield range:
| 16.93% - 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-1989 |
Debt/Income ratio:
| 20% |
Basic (1-10):
| 4 |
Inquiries last 6m:
| 0 | Employment status: | Full-time employee |
Enhanced (1-5): | 5 |
Current / open credit lines:
| 11
/
10 | Length of status: | 2y 7m |
Credit score:
| 720-739 (Jul-2010) |
Total credit lines:
| 22 |
Occupation: | Accountant/CPA |
Now delinquent:
| 0 |
Revolving credit balance:
| $17,056 | Stated income: | $50,000-$74,999 |
Amount delinquent:
| $0 |
Bankcard utilization:
| 95% | | |
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| Yes | | |
Delinquencies in last 7y:
| 0 | | | | |
Screen name:
| generosity-battalion |
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
Paying off my credit cards
Purpose of loan:
This will be used to consolidate debt
My financial situation:
I am trying to get rid of all high interest debt.??A $10,000 loan will consolidate all my high interest?debt and allow me to be out of debt other than my mortage within the next three years.? Although Prosper has listed me as high risk I have never defaulted on a loan and defaulting on this one would defeat my purpose of improving my financial situation and my credit score over the next few years.?
Monthly net income: $ 5650
This includes child support
Monthly expenses: $
??Housing: $ 1100
??Insurance: $ 98
??Car expenses: $ 250 (estimated gas and maintenance - no car payment)
??Utilities: $?400
??Phone, cable, internet: $ 300
??Food, entertainment: $?500
??Clothing, household expenses $
??Credit cards and other loans: $ 500
??Other expenses: $
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
467130
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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:
| 16.93% - 34.00% |
Estimated loss impact:
| 20.01% | | |
Lender servicing fee:
| 1.00% |
Estimated return:
| 13.99% | | |
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper scores:
| |
First credit line:
| Nov-2005 |
Debt/Income ratio:
| 19% |
Basic (1-10):
| 4 |
Inquiries last 6m:
| 0 | Employment status: | Full-time employee |
Enhanced (1-5): | 4 |
Current / open credit lines:
| 2
/
2 | Length of status: | 4y 0m |
Credit score:
| 700-719 (Jul-2010) |
Total credit lines:
| 2 |
Occupation: | Sales - Retail |
Now delinquent:
| 0 |
Revolving credit balance:
| $2,216 | Stated income: | $1-$24,999 |
Amount delinquent:
| $0 |
Bankcard utilization:
| 96% | | |
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| No | | |
Delinquencies in last 7y:
| 0 | | | | |
Screen name:
| asset-sage0 |
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
Want to pay off interest on debt.
Purpose of loan:
This loan will be used to?
Paying back debts that have accumulated due to bills.
My financial situation:
I am a good candidate for this loan because?
I always pay on time and my score reflects that.
Monthly net income: $
1300
Monthly expenses: $
??Housing: $ 200
??Car expenses: $ 100
??Phone, cable, internet: $60
??Food, entertainment: $
40
??Clothing, household expenses $
100
??Credit cards and other loans: $
100
??Other expenses: $100
I have built a debt due to personal reasons. I want to pay off my bills that have built up before the interest of that debt gets out of control. I also make money on the side helping my grandma out. I can make the monthly payments with no problems at all. I just need this money so I can make a low monthly payment and get rid of the interest rates that keep building. I am now in a better situation to save money and this would help out tons in helping me achieve financial independence once again.
Thank You in advance!
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
467132
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount:
| $25,000.00 |
Prosper Rating:
| HR |
Auction Duration:
| 7 days
|
Term:
| 36 months |
Estimated loss:
| 34.5% | | |
| | |
|
Starting lender yield:
| 19.00% |
Starting borrower rate/APR:
| 20.00% / 22.24% |
Starting monthly payment:
| $929.09 |
|
Auction yield range:
| 16.93% - 19.00% |
Estimated loss impact:
| 35.56% | | |
Lender servicing fee:
| 1.00% |
Estimated return:
| -16.56% | | |
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper scores:
| |
First credit line:
| Mar-2000 |
Debt/Income ratio:
| 48% |
Basic (1-10):
| 1 |
Inquiries last 6m:
| 4 | Employment status: | Full-time employee |
Enhanced (1-5): | 1 |
Current / open credit lines:
| 4
/
3 | Length of status: | 0y 3m |
Credit score:
| 640-659 (Jul-2010) |
Total credit lines:
| 11 |
Occupation: | Other |
Now delinquent:
| 0 |
Revolving credit balance:
| $919 | Stated income: | $25,000-$49,999 |
Amount delinquent:
| $0 |
Bankcard utilization:
| 77% | | |
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| No | | |
Delinquencies in last 7y:
| 0 | | | | |
Screen name:
| silver-swashbuckler4 |
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
Opportunity
Purpose of loan:
This loan will be used to? Will be used to consolidate all debt into one monthly payment instead four.
My financial situation:
I am a good candidate for this loan because? of my past credit histtory reflects account paid on time.
Monthly net income: $ 4000.00
Monthly expenses: $
??Housing: $ 600????
??Insurance: $
??Car expenses: $ 350.00
??Utilities: $ 85
??Phone, cable, internet: $ 168.00
??Food, entertainment: $ 345.00
??Clothing, household expenses $ 56.00
??Credit cards and other loans: $ 115.00
??Other expenses: $
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
467136
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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:
| 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:
| $127.57 |
|
Auction yield range:
| 3.93% - 8.20% |
Estimated loss impact:
| 2.12% | | |
Lender servicing fee:
| 1.00% |
Estimated return:
| 6.08% | | |
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper scores:
| |
First credit line:
| Jan-1991 |
Debt/Income ratio:
| 17% |
Basic (1-10):
| 9 |
Inquiries last 6m:
| 0 | Employment status: | Full-time employee |
Enhanced (1-5): | 5 |
Current / open credit lines:
| 17
/
15 | Length of status: | 22y 2m |
Credit score:
| 740-759 (Jul-2010) |
Total credit lines:
| 52 |
Occupation: | Professional |
Now delinquent:
| 2 |
Revolving credit balance:
| $30,616 | Stated income: | $50,000-$74,999 |
Amount delinquent:
| $203 |
Bankcard utilization:
| 42% | | |
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| Yes | | |
Delinquencies in last 7y:
| 0 | | | | |
Screen name:
| fountain327 |
Borrower's state:
| Illinois |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Description
Pay off high interest credit cards
Purpose of loan:
This loan will be used to pay off my high interest credit cards
My financial situation:
I am a good candidate for this loan because I have a secure job and I am honest. As for the 2 deliquencies now showing they have to be mistakes. Almost all my bills are paid automatically and the ones that are not are logged into a spreadsheet that is sorted by date due. I am responsible with my bills and they are always paid on time. I give you my word that I wil pay this loan back on time every month, infact I would probably just add the monthly payments to my monthly automatic withdrawls. I appreciate your consideration.
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
467138
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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:
| 28.99% |
Starting borrower rate/APR:
| 29.99% / 32.37% |
Starting monthly payment:
| $84.89 |
|
Auction yield range:
| 10.93% - 28.99% |
Estimated loss impact:
| 10.73% | | |
Lender servicing fee:
| 1.00% |
Estimated return:
| 18.26% | | |
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper scores:
| |
First credit line:
| Jul-1986 |
Debt/Income ratio:
| 26% |
Basic (1-10):
| 7 |
Inquiries last 6m:
| 3 | Employment status: | Full-time employee |
Enhanced (1-5): | 1 |
Current / open credit lines:
| 12
/
10 | Length of status: | 21y 9m |
Credit score:
| 700-719 (Jul-2010) |
Total credit lines:
| 47 |
Occupation: | Professional |
Now delinquent:
| 0 |
Revolving credit balance:
| $51,219 | Stated income: | $100,000+ |
Amount delinquent:
| $0 |
Bankcard utilization:
| 99% | | |
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| Yes | | |
Delinquencies in last 7y:
| 0 | | | | |
Screen name:
| AAAInvestments |
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
Emergency Vehicle Repairs
Purpose of loan:
Payoff Emergency Transmission repairs
My financial situation:
I am a good candidate for this loan because because I pay on time.
Never had a BK. NOTE: I INTEND TO PAY THIS OFF IN 12 MONTHS OR LESS. PROSPER HAS a 36 month period minimum.
Also I was approved for a 26% rate, but chose to offer a higher % of 29.99% to fund this quickly.
Monthly net income: $ 9459
Monthly expenses: $
??Housing: $ 1800
??Insurance: $ 1000
??Car expenses: $ 500
??Utilities: $ 100
??Phone, cable, internet: $ 250
??Food, entertainment: $ 1000
??Clothing, household expenses $ 1000
??Credit cards and other loans: $ 3000
??Other expenses: $ 250
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
467140
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount:
| $15,000.00 |
Prosper Rating:
| HR |
Auction Duration:
| 7 days
|
Term:
| 36 months |
Estimated loss:
| 34.5% | | |
| | |
|
Starting lender yield:
| 34.00% |
Starting borrower rate/APR:
| 35.00% / 37.45% |
Starting monthly payment:
| $678.54 |
|
Auction yield range:
| 16.93% - 34.00% |
Estimated loss impact:
| 36.51% | | |
Lender servicing fee:
| 1.00% |
Estimated return:
| -2.51% | | |
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper scores:
| |
First credit line:
| Jan-1990 |
Debt/Income ratio:
| 45% |
Basic (1-10):
| 1 |
Inquiries last 6m:
| 7 | Employment status: | Retired |
Enhanced (1-5): | 2 |
Current / open credit lines:
| 13
/
10 | Length of status: | 2y 8m |
Credit score:
| 720-739 (Jul-2010) |
Total credit lines:
| 21 | Stated income: | $25,000-$49,999 |
Now delinquent:
| 0 |
Revolving credit balance:
| $10,378 | |
Amount delinquent:
| $0 |
Bankcard utilization:
| 56% | | |
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| No | | |
Delinquencies in last 7y:
| 0 | | | | |
Screen name:
| intelligent-wealth2 |
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
prosper listing file
Purpose of loan:
This loan will be used to?
pay legal fee in obtainng an inheritance
My financial situation:
I am a good candidate for this loan because?
the inheritance is almost $149,000,000
Monthly net income: $ 2709
Monthly expenses: $
709
??Housing: $
1395
??Insurance: $
400
??Car expenses: $
200
??Utilities: $ 150
??Phone, cable, internet: $ 200
??Food, entertainment: $
600
??Clothing, household expenses $
100
??Credit cards and other loans: $
600
??Other expenses: $
0
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
467150
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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:
| 16.93% - 34.00% |
Estimated loss impact:
| 20.01% | | |
Lender servicing fee:
| 1.00% |
Estimated return:
| 13.99% | | |
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper scores:
| |
First credit line:
| May-2000 |
Debt/Income ratio:
| 14% |
Basic (1-10):
| 4 |
Inquiries last 6m:
| 3 | Employment status: | Full-time employee |
Enhanced (1-5): | 4 |
Current / open credit lines:
| 12
/
12 | Length of status: | 1y 3m |
Credit score:
| 700-719 (Jul-2010) |
Total credit lines:
| 27 |
Occupation: | Professional |
Now delinquent:
| 0 |
Revolving credit balance:
| $25,516 | Stated income: | $100,000+ |
Amount delinquent:
| $0 |
Bankcard utilization:
| 101% | | |
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| Yes | | |
Delinquencies in last 7y:
| 0 | | | | |
Screen name:
| p2ploan-mastery |
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
Professional Needs Short Term Help
Purpose of loan:
This loan will be used to repair my home after a significant storm downed two 25-ft trees through the roof. I am a full-time professional with significant income, and am looking for a short-term loan to close the gap to my annual bonus payout of 30% of base earnings paid annually the first week in March.
My financial situation:
I am a good candidate for this loan because I have never defaulted on any loan in my life. I have significant earnings / payroll, and just managing through some unanticipated expenses. The loan I seek would be a term no longer than 12 mos, with no prepayment penalty, likely repaid in less than six months.
Monthly net income: $9,700 for base income with a 30% annual bonus paid out first week of March, 2011. (Est. $55k)
Monthly expenses: $
??Housing: $
1815
??Insurance: $
190
??Car expenses: $470
??Utilities: $
350
??Phone, cable, internet: $225
??Food, entertainment: $
400
??Clothing, household expenses $200
??Credit cards and other loans: $
400
??Other expenses: $
0
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
467172
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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:
| 7.93% - 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:
| Sep-1983 |
Debt/Income ratio:
| 7% |
Basic (1-10):
| 9 |
Inquiries last 6m:
| 0 | Employment status: | Full-time employee |
Enhanced (1-5): | 5 |
Current / open credit lines:
| 2
/
2 | Length of status: | 4y 4m |
Credit score:
| 640-659 (Jul-2010) |
Total credit lines:
| 13 |
Occupation: | Other |
Now delinquent:
| 0 |
Revolving credit balance:
| $0 | Stated income: | $1-$24,999 |
Amount delinquent:
| $0 |
Bankcard utilization:
| 0% | | |
Public records last 12m / 10y:
| 1/ 2 |
Homeownership:
| No | | |
Delinquencies in last 7y:
| 12 | | | | |
Screen name:
| 4rabbits |
Borrower's state:
| NewJersey |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Description
paying off credit cards
Purpose of loan:
This loan will be used to pay off some credit cards
My financial situation:
I am a good candidate for this loan because I can pay back low monthly payments ?
Monthly net income: $ 22,000
Monthly expenses: $
??Housing: $?500
??Insurance: $ 126
??Car expenses: $ 80
??Utilities: $ 50
??Phone, cable, internet: $ 120
??Food, entertainment: $50
??Clothing, household expenses $ 50
??Credit cards and other loans: $ 50
??Other expenses: $ 100?
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
467176
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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:
| 25.0% | | |
| | |
|
Starting lender yield:
| 34.00% |
Starting borrower rate/APR:
| 35.00% / 37.45% |
Starting monthly payment:
| $113.09 |
|
Auction yield range:
| 16.93% - 34.00% |
Estimated loss impact:
| 27.01% | | |
Lender servicing fee:
| 1.00% |
Estimated return:
| 6.99% | | |
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper scores:
| |
First credit line:
| Oct-1989 |
Debt/Income ratio:
| 36% |
Basic (1-10):
| 3 |
Inquiries last 6m:
| 6 | Employment status: | Full-time employee |
Enhanced (1-5): | 1 |
Current / open credit lines:
| 12
/
12 | Length of status: | 18y 2m |
Credit score:
| 600-619 (Jul-2010) |
Total credit lines:
| 29 |
Occupation: | Tradesman - Mechani... |
Now delinquent:
| 1 |
Revolving credit balance:
| $2,929 | Stated income: | $75,000-$99,999 |
Amount delinquent:
| $0 |
Bankcard utilization:
| 97% | | |
Public records last 12m / 10y:
| 0/ 1 |
Homeownership:
| No | | |
Delinquencies in last 7y:
| 6 | | | | |
Screen name:
| ck8243 |
Borrower's state:
| Indiana |
Borrower's group:
| 1st and BEST for Loans |
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan history | Payment history | Credit score history |
Active / total loans:
| 1 / 1 |
On-time:
| 23 ( 88% )
| 600-619 (Latest)
|
Principal borrowed:
| $3,000.00 | < 31 days late:
| 3
( 12% )
| 620-639
(Jul-2009)
640-659
(Apr-2008)
560-579
(Feb-2008)
540-559
(Jan-2008)
|
Principal balance:
| $1,190.05 |
31+ days late:
| 0
( 0% )
|
Total payments billed:
| 26 | | |
Description
RELIST-WILL NOT LET YOU DOWN!
Thank you for taking the time to review my listing.? My daughter graduated high school and will be leaving for college in August.? We were able to obtain loans and scholarships to cover everything but the last $2,500.? Normally I would not need to request a loan to cover this, but I won't be able to come up with that amount in the short time she needs it, so I am hoping to obtain a second loan through Prosper.
I am a good candiate for this loan because?I am a current Prosper member and in good standing.??The drop in my credit score was due to my hours at work being cut substantially last year due to the economy and we fell behind in some bills.? My income was cut by $25,000 last?year.? Everything is now back to normal and I am working 70-80 hours a week.? I am caught up on all of my obligations, and I promise I will not let you down if you take the chance on me by bidding on my loan.
Monthly Budget:
Mortgage $1,122.73
Second Mortgage $225.82
Automobile Payments $1,309.13
Credit Cards $246.00
Car Insurance $350.00?
Utilities (Electric/Gas/Trash) $333.66
Current Prosper Loan: $125.00?
Total Monthly Income:$5,200.00 per month after taxes
My wife also works, but I am not including her income in the above.
Thank you again for your consideration in funding my loan.? This is our first child headed to college, and we want to be able to help her out as much as we can.
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
467182
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount:
| $5,000.00 |
Prosper Rating:
| C |
Auction Duration:
| 7 days
|
Term:
| 36 months |
Estimated loss:
| 7.0% | | |
| | |
|
Starting lender yield:
| 19.88% |
Starting borrower rate/APR:
| 20.88% / 23.13% |
Starting monthly payment:
| $188.07 |
|
Auction yield range:
| 7.93% - 19.88% |
Estimated loss impact:
| 7.46% | | |
Lender servicing fee:
| 1.00% |
Estimated return:
| 12.42% | | |
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments 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:
| 27% |
Basic (1-10):
| 6 |
Inquiries last 6m:
| 6 | Employment status: | Full-time employee |
Enhanced (1-5): | 3 |
Current / open credit lines:
| 10
/
8 | Length of status: | 3y 0m |
Credit score:
| 760-779 (Jul-2010) |
Total credit lines:
| 23 |
Occupation: | Other |
Now delinquent:
| 0 |
Revolving credit balance:
| $6,164 | Stated income: | $50,000-$74,999 |
Amount delinquent:
| $0 |
Bankcard utilization:
| 19% | | |
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| Yes | | |
Delinquencies in last 7y:
| 0 | | | | |
Screen name:
| jldus |
Borrower's state:
| Louisiana |
Borrower's group:
| BORROWERS - Free instant Listings - LARGEST 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 / 4 |
On-time:
| 37 ( 100% )
| 760-779 (Latest)
|
Principal borrowed:
| $20,000.00 | < 31 days late:
| 0
( 0% )
| 740-759
(Dec-2009)
760-779
(Oct-2009)
760-779
(May-2008)
740-759
(Jun-2007)
|
Principal balance:
| $8,844.81 |
31+ days late:
| 0
( 0% )
|
Total payments billed:
| 37 | | |
Description
sewage line replacement
Purpose of loan:
Emergency sewage line replacement at one of my rent homes
My financial situation:
I am a good candidate for this loan because?
excellent credit
Monthly net income: $ 4500
Monthly expenses: $
??Housing: $ 600
??Insurance: $ 200
??Car expenses: $ 330
??Utilities: $ 200
??Phone, cable, internet: $ 35
??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
467184
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount:
| $1,200.00 |
Prosper Rating:
| E |
Auction Duration:
| 7 days
|
Term:
| 36 months |
Estimated loss:
| 14.7% | | |
| | |
|
Starting lender yield:
| 24.00% |
Starting borrower rate/APR:
| 25.00% / 28.23% |
Starting monthly payment:
| $47.71 |
|
Auction yield range:
| 13.93% - 24.00% |
Estimated loss impact:
| 15.78% | | |
Lender servicing fee:
| 1.00% |
Estimated return:
| 8.22% | | |
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper scores:
| |
First credit line:
| Sep-1995 |
Debt/Income ratio:
| Self-employed (DTI Not Calculated) |
Basic (1-10):
| 9 |
Inquiries last 6m:
| 0 | Employment status: | Self-employed |
Enhanced (1-5): | 4 |
Current / open credit lines:
| 11
/
11 | Length of status: | 7y 0m |
Credit score:
| 620-639 (Jul-2010) |
Total credit lines:
| 40 |
Occupation: | Sales - Commission |
Now delinquent:
| 0 |
Revolving credit balance:
| $7,150 | Stated income: | $25,000-$49,999 |
Amount delinquent:
| $0 |
Bankcard utilization:
| 88% | | |
Public records last 12m / 10y:
| 0/ 1 |
Homeownership:
| No | | |
Delinquencies in last 7y:
| 37 | | | | |
Screen name:
| newstart123 |
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:
| 33 ( 100% )
| 620-639 (Latest)
|
Principal borrowed:
| $2,000.00 | < 31 days late:
| 0
( 0% )
| 600-619
(Jul-2009)
600-619
(Apr-2008)
600-619
(Sep-2007)
|
Principal balance:
| $0.85 |
31+ days late:
| 0
( 0% )
|
Total payments billed:
| 33 | | |
Description
Emergency loan
Purpose of loan:
This loan will be used to??
Emergency car repair/rest for emergency fund
My financial situation:
I am a good candidate for this loan because?
First Prosper loan paid in full, never missed a payment.
My credit profile is improving.
We own our own home, this is not reflected in my profile for some reason
Monthly net income: $ 3000
Monthly expenses: $ 2175
??Housing: $ 425
??Insurance: $300?
??Car expenses: $0
??Utilities: $ 200
??Phone, cable, internet: $ 150
??Food, entertainment: $?600
??Clothing, household expenses $ 100
??Credit cards and other loans: $ 300
??Other expenses: $ 100
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
467186
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount:
| $1,500.00 |
Prosper Rating:
| C |
Auction Duration:
| 7 days
|
Term:
| 36 months |
Estimated loss:
| 6.5% | | |
| | |
|
Starting lender yield:
| 14.00% |
Starting borrower rate/APR:
| 15.00% / 17.42% |
Starting monthly payment:
| $52.00 |
|
Auction yield range:
| 7.93% - 14.00% |
Estimated loss impact:
| 6.81% | | |
Lender servicing fee:
| 1.00% |
Estimated return:
| 7.19% | | |
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper scores:
| |
First credit line:
| Mar-2007 |
Debt/Income ratio:
| 10% |
Basic (1-10):
| 9 |
Inquiries last 6m:
| 0 | Employment status: | Full-time employee |
Enhanced (1-5): | 5 |
Current / open credit lines:
| 5
/
3 | Length of status: | 3y 0m |
Credit score:
| 680-699 (Jul-2010) |
Total credit lines:
| 7 |
Occupation: | Laborer |
Now delinquent:
| 0 |
Revolving credit balance:
| $844 | Stated income: | $1-$24,999 |
Amount delinquent:
| $0 |
Bankcard utilization:
| 43% | | |
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| No | | |
Delinquencies in last 7y:
| 0 | | | | |
Screen name:
| worldly-currency4 |
Borrower's state:
| California |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Description
Moving-Debt Consolidation
Purpose of loan:
This loan will be used to?pay registration fees for a car that I am buying. I will be taking a promotion that requires me to travel and the car I am going to buy is going to have near $500 in registration fees. The rest of the money will be used to pay off 2 credit cards with about $800 between them. After this, my payments will be rent, gas, and whatever I have borrowed here.
My financial situation:
I am a good candidate for this loan because?
I have a steady income with very little cost of living expenses.
Monthly net income: $1300
Monthly expenses: $
??Housing: $
450
??Insurance: $
50
??Car expenses: $
100
??Utilities: $
75
??Phone, cable, internet: $ 25
??Food, entertainment: $
200
??Clothing, household expenses $
??Credit cards and other loans: $
100
??Other expenses: $
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
467188
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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:
| 8.20% |
Starting borrower rate/APR:
| 9.20% / 12.75% |
Starting monthly payment:
| $31.89 |
|
Auction yield range:
| 3.93% - 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-1998 |
Debt/Income ratio:
| 24% |
Basic (1-10):
| 10 |
Inquiries last 6m:
| 0 | Employment status: | Full-time employee |
Enhanced (1-5): | 5 |
Current / open credit lines:
| 9
/
7 | Length of status: | 0y 2m |
Credit score:
| 700-719 (Jul-2010) |
Total credit lines:
| 12 |
Occupation: | Laborer |
Now delinquent:
| 0 |
Revolving credit balance:
| $16,511 | Stated income: | $25,000-$49,999 |
Amount delinquent:
| $0 |
Bankcard utilization:
| 39% | | |
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| No | | |
Delinquencies in last 7y:
| 0 | | | | |
Screen name:
| responsible-compassion566 |
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
Paying off bills
Purpose of loan:
This loan will be used to pay off bills.
My financial situation:
I am a good candidate for this loan because I have never been delinquent on any of my bills.
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
467194
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount:
| $6,000.00 |
Prosper Rating:
| HR |
Auction Duration:
| 7 days
|
Term:
| 36 months |
Estimated loss:
| 34.5% | | |
| | |
|
Starting lender yield:
| 34.00% |
Starting borrower rate/APR:
| 35.00% / 37.45% |
Starting monthly payment:
| $271.42 |
|
Auction yield range:
| 16.93% - 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-2000 |
Debt/Income ratio:
| Not calculated |
Basic (1-10):
| 1 |
Inquiries last 6m:
| 0 | Employment status: | Full-time employee |
Enhanced (1-5): | 4 |
Current / open credit lines:
| 4
/
4 | Length of status: | 3y 4m |
Credit score:
| 640-659 (Jul-2010) |
Total credit lines:
| 24 |
Occupation: | Sales - Commission |
Now delinquent:
| 0 |
Revolving credit balance:
| $3,557 | Stated income: | $50,000-$74,999 |
Amount delinquent:
| $0 |
Bankcard utilization:
| 100% | | |
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| No | | |
Delinquencies in last 7y:
| 0 | | | | |
Screen name:
| MikeJAnderson |
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:
| 11 ( 100% )
| 640-659 (Latest)
|
Principal borrowed:
| $12,000.00 | < 31 days late:
| 0
( 0% )
| 560-579
(Dec-2006)
|
Principal balance:
| $0.00 |
31+ days late:
| 0
( 0% )
|
Total payments billed:
| 11 | | |
Description
Second Prosper Loan, 0 Late 7 years
My partner and I own an appraisal firm in Brea Ca, 92821 K&N Appraisal Services. We are looking to secure a loan to hire an additional State licensed appraiser. We are currently operating with a part-time underwriter, 2 Sales Reps (commissions) and?myself, charged with marketing the firm, soliciting new city business and customer service. We have completed over 600 appraisals, have a perfect Better Business Bureau rating and have been in business over 6 years.
I joined the firm in 2007 after graduating in 2006 from San Francisco State University. We rent an office in Brea, CA for $500 a month+ Cable+ ATT. We are in the black each month and we can assure payment on the loan. We can provide proof of income and we are a publically listed company. Last two years of revenue were over $100,000.00 (100K).
My financial situation:
I am a good candidate for this loan because? I am making $55,000 a year plus bonuses and my credit score has improved over 80 points since my past loan. In 2006 I secured a loan from prosper for the same amount and made all of my payments on time every time. Borrowers can bid confidently that this business is not going anywhere. Business is booming, we need to hire a bright new appraiser and we seek the Prosper Community for help. Thanks in advance for viewing my listing.
Monthly net income: $3,600 Monthly
Monthly expenses: $
Housing: $ $400
Insurance: $100
Car expenses: $25
Utilities: $40
Phone, cable, internet: $25
Food, entertainment: $ 20
Clothing, household expenses $25
Credit cards and other loans: $ 150
other expenses: $100
The Photo is of me holding last month?s completed appraisals. We tend to do 3-5 a day for around $230 a piece.
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
467202
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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:
| 7.93% - 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:
| Oct-1998 |
Debt/Income ratio:
| 4% |
Basic (1-10):
| 9 |
Inquiries last 6m:
| 1 | Employment status: | Full-time employee |
Enhanced (1-5): | 4 |
Current / open credit lines:
| 7
/
6 | Length of status: | 6y 0m |
Credit score:
| 640-659 (Jul-2010) |
Total credit lines:
| 28 |
Occupation: | Accountant/CPA |
Now delinquent:
| 2 |
Revolving credit balance:
| $817 | Stated income: | $50,000-$74,999 |
Amount delinquent:
| $210 |
Bankcard utilization:
| 62% | | |
Public records last 12m / 10y:
| 1/ 1 |
Homeownership:
| No | | |
Delinquencies in last 7y:
| 23 | | | | |
Screen name:
| newest-camaraderi-euphoria |
Borrower's state:
| NewYork |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Description
Pay off credit Card
Purpose of loan:
This loan will be used to?
My financial situation:
I am a good candidate for this loan because?
Monthly net income: $
Monthly expenses: $
??Housing: $
??Insurance: $
??Car expenses: $
??Utilities: $
??Phone, cable, internet: $
??Food, entertainment: $
??Clothing, household expenses $
??Credit cards and other loans: $
??Other expenses: $
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
467206
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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:
| 8.00% |
Starting borrower rate/APR:
| 9.00% / 11.09% |
Starting monthly payment:
| $95.40 |
|
Auction yield range:
| 3.93% - 8.00% |
Estimated loss impact:
| 2.12% | | |
Lender servicing fee:
| 1.00% |
Estimated return:
| 5.88% | | |
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper scores:
| |
First credit line:
| Mar-1994 |
Debt/Income ratio:
| Self-employed (DTI Not Calculated) |
Basic (1-10):
| 9 |
Inquiries last 6m:
| 1 | Employment status: | Self-employed |
Enhanced (1-5): | 4 |
Current / open credit lines:
| 9
/
7 | Length of status: | 1y 2m |
Credit score:
| 780-799 (Jul-2010) |
Total credit lines:
| 37 |
Occupation: | Investor |
Now delinquent:
| 0 |
Revolving credit balance:
| $3,310 | Stated income: | $25,000-$49,999 |
Amount delinquent:
| $0 |
Bankcard utilization:
| 10% | | |
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| Yes | | |
Delinquencies in last 7y:
| 0 | | | | |
Screen name:
| ciccio70 |
Borrower's state:
| California |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Description
Credit Card Payoff
Purpose of loan:
This loan will be used to payoff two credit cards.
My financial situation:
The balance on the credit cards is not very high and I can handle their payments without a Prosper loan. But, I much rather give my money to fellow prosper investor instead of the banksters. I am a prosper investor myself and I believe in people lending to people. I am a real estate investor and I am also starting a new business selling water purification and other products. If curious, you can look at the web site at www.discovermms.com. My credit history is rock solid because I am a person that honors his commitments and I am very financially responsible.
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
467214
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount:
| $15,000.00 |
Prosper Rating:
| D |
Auction Duration:
| 7 days
|
Term:
| 36 months |
Estimated loss:
| 10.0% | | |
| | |
|
Starting lender yield:
| 27.33% |
Starting borrower rate/APR:
| 28.33% / 30.68% |
Starting monthly payment:
| $623.13 |
|
Auction yield range:
| 10.93% - 27.33% |
Estimated loss impact:
| 10.68% | | |
Lender servicing fee:
| 1.00% |
Estimated return:
| 16.65% | | |
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper scores:
| |
First credit line:
| May-2001 |
Debt/Income ratio:
| 61% |
Basic (1-10):
| 7 |
Inquiries last 6m:
| 0 | Employment status: | Full-time employee |
Enhanced (1-5): | 4 |
Current / open credit lines:
| 13
/
12 | Length of status: | 2y 0m |
Credit score:
| 700-719 (Jul-2010) |
Total credit lines:
| 27 |
Occupation: | Professional |
Now delinquent:
| 0 |
Revolving credit balance:
| $24,407 | Stated income: | $25,000-$49,999 |
Amount delinquent:
| $0 |
Bankcard utilization:
| 61% | | |
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| No | | |
Delinquencies in last 7y:
| 0 | | | | |
Screen name:
| TheSpecialOne |
Borrower's state:
| Wisconsin |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan history | Payment history | Credit score history |
Active / total loans:
| 1 / 2 |
On-time:
| 64 ( 96% )
| 700-719 (Latest)
|
Principal borrowed:
| $12,500.00 | < 31 days late:
| 3
( 4% )
| 700-719
(Oct-2007)
700-719
(Feb-2007)
700-719
(Jan-2007)
700-719
(Oct-2006)
|
Principal balance:
| $592.67 |
31+ days late:
| 0
( 0% )
|
Total payments billed:
| 67 | | |
Description
Refinancing the rest of our CC Debt
Purpose of loan:
This loan will be used to refinance the rest of our credit card debt.
My financial situation:
I am a good candidate for this loan because I have a history of timely payments including on Prosper.? The few <31 days late dings on Prosper are due to banking snafus...gotta love banks especially when you switch a bank, never seems to go as smooth as they promise. I am gainfully employed still with a state university in the Midwest and am actively pursuing advancing my career.? My wife had gone back to school to finish her degree and that is part of the reason we have not been able to get as much ahead as of course we would have liked.? She is student teaching this fall, and will then be actively seeking employment, while substitute teaching in the mean time.
Thanks for your support!
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
467220
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount:
| $23,000.00 |
Prosper Rating:
| HR |
Auction Duration:
| 7 days
|
Term:
| 36 months |
Estimated loss:
| 34.5% | | |
| | |
|
Starting lender yield:
| 24.00% |
Starting borrower rate/APR:
| 25.00% / 27.31% |
Starting monthly payment:
| $914.48 |
|
Auction yield range:
| 16.93% - 24.00% |
Estimated loss impact:
| 35.88% | | |
Lender servicing fee:
| 1.00% |
Estimated return:
| -11.88% | | |
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper scores:
| |
First credit line:
| Dec-1997 |
Debt/Income ratio:
| 50% |
Basic (1-10):
| 1 |
Inquiries last 6m:
| 1 | Employment status: | Full-time employee |
Enhanced (1-5): | 2 |
Current / open credit lines:
| 5
/
6 | Length of status: | 5y 2m |
Credit score:
| 620-639 (Jun-2010) |
Total credit lines:
| 27 |
Occupation: | Clerical |
Now delinquent:
| 3 |
Revolving credit balance:
| $216 | Stated income: | $25,000-$49,999 |
Amount delinquent:
| $5,721 |
Bankcard utilization:
| 72% | | |
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| Yes | | |
Delinquencies in last 7y:
| 4 | | | | |
Screen name:
| Basca |
Borrower's state:
| Idaho |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan history | Payment history | Credit score history |
Active / total loans:
| 1 / 1 |
On-time:
| 27 ( 100% )
| 620-639 (Latest)
|
Principal borrowed:
| $4,000.00 | < 31 days late:
| 0
( 0% )
| 700-719
(May-2010)
680-699
(Mar-2010)
640-659
(Feb-2010)
660-679
(Jan-2010)
|
Principal balance:
| $1,226.99 |
31+ days late:
| 0
( 0% )
|
Total payments billed:
| 27 | | |
Description
Help with Down on new home
Purpose of loan:
This loan will be used to? We need some help with a down on a home.? I am not sure what the market will bring on my present home, but I would like to be prepared by having enough for a down on a new piece of property in the 200's.? With your help, it can be done.? Thanks for your help.
My
financial situation:
I
am a good candidate for this loan because??
I have always? pay my immediate obligations and I am current on
my present Prosper loan? and
have had no late payments and have never missed one either.Thanks for
your consideration. The delinquencies have been resolved but still
appear on your site..? I would like
to thank previous bidders.
The present amount being paid out to credit cards should take care of the amount due on this payment.
Monthly net income: $
3892
Monthly expenses: $
3675
??Housing: $
1700
??Insurance: $
150
??Car expenses: $
50
??Utilities: $
300
??Phone, cable, internet: $
25
??Food, entertainment: $
300
??Clothing, household expenses $
0
??Credit cards and other loans: $
1150
??Other expenses: $
0
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
467224
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount:
| $10,000.00 |
Prosper Rating:
| HR |
Auction Duration:
| 7 days
|
Term:
| 36 months |
Estimated loss:
| 25.0% | | |
| | |
|
Starting lender yield:
| 34.00% |
Starting borrower rate/APR:
| 35.00% / 37.45% |
Starting monthly payment:
| $452.36 |
|
Auction yield range:
| 16.93% - 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-1994 |
Debt/Income ratio:
| 12% |
Basic (1-10):
| 2 |
Inquiries last 6m:
| 0 | Employment status: | Full-time employee |
Enhanced (1-5): | 4 |
Current / open credit lines:
| 4
/
5 | Length of status: | 1y 10m |
Credit score:
| 640-659 (Jul-2010) |
Total credit lines:
| 13 |
Occupation: | Administrative Assi... |
Now delinquent:
| 1 |
Revolving credit balance:
| $84,610 | Stated income: | $50,000-$74,999 |
Amount delinquent:
| $60 |
Bankcard utilization:
| 99% | | |
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| Yes | | |
Delinquencies in last 7y:
| 2 | | | | |
Screen name:
| durability-workhorse |
Borrower's state:
| NewYork |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Description
pay off and close two credit cards
Purpose of loan:
This loan will be used to?
pay tuition and close two credit cards
My financial situation:
I am a good candidate for this loan because?
I am very thonest, reliable, trustworthy. I strongly believe that when someone extends a hand to help one should never take advantage of the situation
Monthly net income: $ 1749
Monthly expenses: $
??Housing: $ 0
??Insurance: $ 35 quarterly
??Car expenses: $?20gas weekly?
??Utilities: $ 170
??Phone, cable, internet: $ 65
??Food, entertainment: $ 80 weekly
??Clothing, household expenses $
??Credit cards and other loans: $?260
??Other expenses: $ 0
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
467226
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount:
| $12,000.00 |
Prosper Rating:
| AA |
Auction Duration:
| 7 days
|
Term:
| 36 months |
Estimated loss:
| 1.5% | | |
| | |
|
Starting lender yield:
| 7.50% |
Starting borrower rate/APR:
| 8.50% / 8.84% |
Starting monthly payment:
| $378.81 |
|
Auction yield range:
| 2.93% - 7.50% |
Estimated loss impact:
| 1.50% | | |
Lender servicing fee:
| 1.00% |
Estimated return:
| 6.00% | | |
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper scores:
| |
First credit line:
| Nov-1993 |
Debt/Income ratio:
| 5% |
Basic (1-10):
| 6 |
Inquiries last 6m:
| 2 | Employment status: | Full-time employee |
Enhanced (1-5): | 5 |
Current / open credit lines:
| 5
/
4 | Length of status: | 4y 10m |
Credit score:
| 800-819 (Jul-2010) |
Total credit lines:
| 25 |
Occupation: | Executive |
Now delinquent:
| 0 |
Revolving credit balance:
| $3,961 | Stated income: | $100,000+ |
Amount delinquent:
| $0 |
Bankcard utilization:
| 40% | | |
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| Yes | | |
Delinquencies in last 7y:
| 0 | | | | |
Screen name:
| revenue-festival |
Borrower's state:
| California |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Description
Paying off credit cards
Purpose of loan:
This loan will be used to pay off high interest credit cards.?
My financial situation:
I am a good candidate for this loan because?I am very responsible and have never been late on a payment.? I am married with children and?my wife stays home with?the kids, having done so for ten years.? I have just been promoted to an account executive role near Beverly Hills which has more than doubled my income.? We are very frugal, honest and believe in good karma.
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
467238
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount:
| $1,500.00 |
Prosper Rating:
| D |
Auction Duration:
| 7 days
|
Term:
| 36 months |
Estimated loss:
| 10.0% | | |
| | |
|
Starting lender yield:
| 25.25% |
Starting borrower rate/APR:
| 26.25% / 28.84% |
Starting monthly payment:
| $60.64 |
|
Auction yield range:
| 10.93% - 25.25% |
Estimated loss impact:
| 10.62% | | |
Lender servicing fee:
| 1.00% |
Estimated return:
| 14.63% | | |
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper scores:
| |
First credit line:
| Nov-1999 |
Debt/Income ratio:
| 16% |
Basic (1-10):
| 7 |
Inquiries last 6m:
| 4 | Employment status: | Full-time employee |
Enhanced (1-5): | 4 |
Current / open credit lines:
| 5
/
5 | Length of status: | 19y 10m |
Credit score:
| 680-699 (Jul-2010) |
Total credit lines:
| 13 |
Occupation: | Other |
Now delinquent:
| 0 |
Revolving credit balance:
| $8,103 | Stated income: | $50,000-$74,999 |
Amount delinquent:
| $0 |
Bankcard utilization:
| 95% | | |
Public records last 12m / 10y:
| 0/ 1 |
Homeownership:
| Yes | | |
Delinquencies in last 7y:
| 0 | | | | |
Screen name:
| perfume028 |
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
plumbing problems
Purpose of loan:
This loan will be used to?
fix plumbing problem
My financial situation:
I am a good candidate for this loan because?I pay my debts?
Monthly net income: $
4300.00
Monthly expenses: $
??Housing: $?21,00.00
??Insurance: $
??Car expenses: $700.00
??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
467242
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount:
| $10,000.00 |
Prosper Rating:
| HR |
Auction Duration:
| 7 days
|
Term:
| 36 months |
Estimated loss:
| 18.0% | | |
| | |
|
Starting lender yield:
| 34.00% |
Starting borrower rate/APR:
| 35.00% / 37.45% |
Starting monthly payment:
| $452.36 |
|
Auction yield range:
| 16.93% - 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-1984 |
Debt/Income ratio:
| 25% |
Basic (1-10):
| 4 |
Inquiries last 6m:
| 1 | Employment status: | Full-time employee |
Enhanced (1-5): | 3 |
Current / open credit lines:
| 14
/
13 | Length of status: | 3y 3m |
Credit score:
| 700-719 (Jul-2010) |
Total credit lines:
| 50 |
Occupation: | Professional |
Now delinquent:
| 0 |
Revolving credit balance:
| $27,974 | Stated income: | $25,000-$49,999 |
Amount delinquent:
| $0 |
Bankcard utilization:
| 65% | | |
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| Yes | | |
Delinquencies in last 7y:
| 25 | | | | |
Screen name:
| top-goal-liberty |
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
Consolidating my debt
Purpose of loan:
This loan will be used to?
Pay off my existing debts. I was injured in a car accident and unable to work for a short period of time, which is when I got behind in my payments.? Now I am facing collectors' calls and that scares me.? I would feel so much better if I could get this burden off of me.
My financial situation:
I am a good candidate for this loan because?
I've always paid my bills on time until I was injured.? My credit history speaks for itself.? Additionally, I have been a victim of fraud.? Someone accessed my checking account # and charged my account with several charges unknown by me.? This caused my account to accrue several NSF charges and has been a real poblem to fix.? My Bank has helped me, but I still haven't recovered all of my money.? Also my income is substantial enough to make payments on this consolidation loan.????
Monthly net income: $
3500 per month????
Monthly expenses: $
??Housing: $ 1356????
??Insurance: $ 102????
??Car expenses: $ 0
??Utilities: $ 200
??Phone, cable, internet: $ 100
??Food, entertainment: $ 50
??Clothing, household expenses $ 75
??Credit cards and other loans: $ 1000
??Other expenses: $ 0
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
467244
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount:
| $14,000.00 |
Prosper Rating:
| HR |
Auction Duration:
| 7 days
|
Term:
| 36 months |
Estimated loss:
| 18.0% | | |
| | |
|
Starting lender yield:
| 34.00% |
Starting borrower rate/APR:
| 35.00% / 37.45% |
Starting monthly payment:
| $633.30 |
|
Auction yield range:
| 16.93% - 34.00% |
Estimated loss impact:
| 20.01% | | |
Lender servicing fee:
| 1.00% |
Estimated return:
| 13.99% | | |
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper scores:
| |
First credit line:
| Oct-1997 |
Debt/Income ratio:
| 21% |
Basic (1-10):
| 5 |
Inquiries last 6m:
| 1 | Employment status: | Full-time employee |
Enhanced (1-5): | 5 |
Current / open credit lines:
| 8
/
8 | Length of status: | 23y 9m |
Credit score:
| 640-659 (Jul-2010) |
Total credit lines:
| 33 |
Occupation: | Other |
Now delinquent:
| 0 |
Revolving credit balance:
| $9,847 | Stated income: | $75,000-$99,999 |
Amount delinquent:
| $0 |
Bankcard utilization:
| 91% | | |
Public records last 12m / 10y:
| 0/ 1 |
Homeownership:
| No | | |
Delinquencies in last 7y:
| 0 | | | | |
Screen name:
| boulderclear |
Borrower's state:
| Colorado |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan history | Payment history | Credit score history |
Active / total loans:
| 1 / 1 |
On-time:
| 23 ( 96% )
| 640-659 (Latest)
|
Principal borrowed:
| $2,950.00 | < 31 days late:
| 1
( 4% )
| 640-659
(Jun-2010)
620-639
(Jul-2009)
600-619
(Jun-2008)
560-579
(May-2008)
|
Principal balance:
| $1,126.64 |
31+ days late:
| 0
( 0% )
|
Total payments billed:
| 24 | | |
Description
No bugs, no rock chips-growing biz
Purpose of loan:
This loan will be used to? consolidate all of my debt.? The remaining
ammount I will use to buy supplies for my business.? Our business
is up 28% this year and we becoming very efficient and the best at our business.
My financial situation:
I am a good candidate for this loan because? during the last two
years I have reduced my debt from $41,000 to less than $15,000.? My
current debt has high interest and would like to get rid of it.
Monthly net income: $ 5100.00
Monthly expenses: $3000.
??Housing: $ 575
??Insurance: $35
??Car expenses: $450
??Utilities: $235
??Phone, cable, internet: $150
??Food, entertainment: $ 300
??Clothing, household expenses $220?
??Credit cards and other loans: $ 900
??Other expenses: $225
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
467250
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount:
| $7,000.00 |
Prosper Rating:
| HR |
Auction Duration:
| 7 days
|
Term:
| 36 months |
Estimated loss:
| 18.0% | | |
| | |
|
Starting lender yield:
| 16.93% |
Starting borrower rate/APR:
| 17.93% / 20.14% |
Starting monthly payment:
| $252.82 |
|
Auction yield range:
| 16.93% - 16.93% |
Estimated loss impact:
| 18.93% | | |
Lender servicing fee:
| 1.00% |
Estimated return:
| -2.00% | | |
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper scores:
| |
First credit line:
| Mar-1981 |
Debt/Income ratio:
| 63% |
Basic (1-10):
| 4 |
Inquiries last 6m:
| 0 | Employment status: | Full-time employee |
Enhanced (1-5): | 3 |
Current / open credit lines:
| 14
/
9 | Length of status: | 29y 1m |
Credit score:
| 680-699 (Jul-2010) |
Total credit lines:
| 28 |
Occupation: | Analyst |
Now delinquent:
| 0 |
Revolving credit balance:
| $10,532 | Stated income: | $25,000-$49,999 |
Amount delinquent:
| $0 |
Bankcard utilization:
| 101% | | |
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| Yes | | |
Delinquencies in last 7y:
| 0 | | | | |
Screen name:
| liberty-platoon |
Borrower's state:
| Texas |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Description
Pay off credit cards
Purpose of loan:
I want to pay off credit cards I no longer use in faster time at the best interest I can get. My husband had a loan through you and got a lot of his debt paid. Due to your professional expertise, and working with him he got a lower interest rate which helped him to pay it off faster.
My financial situation:
I am a good candidate for this loan because?I am dependable and will do what it takes to free my debt. I have 4 to 5 credit cards that I can't seem to?get paid off?. I want to be able to pay them off , and pay one monthly payment for the debt.?
Monthly net income: $
32,000.00 to 33,000.00
Monthly expenses: $
??Housing: $ husband pays
??Insurance: $ 600.00
??Car expenses: $ 467.00
??Utilities: $ 300.00
??Phone, cable, internet: $ 128.00
??Food, entertainment: $ 50.00
??Clothing, household expenses $ 50.00
??Credit cards and other loans: $ 500.00
??Other expenses: $ 275.00
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
467268
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount:
| $5,900.00 |
Prosper Rating:
| C |
Auction Duration:
| 7 days
|
Term:
| 36 months |
Estimated loss:
| 8.5% | | |
| | |
|
Starting lender yield:
| 31.00% |
Starting borrower rate/APR:
| 32.00% / 34.41% |
Starting monthly payment:
| $256.97 |
|
Auction yield range:
| 7.93% - 31.00% |
Estimated loss impact:
| 9.25% | | |
Lender servicing fee:
| 1.00% |
Estimated return:
| 21.75% | | |
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:
| Jan-1998 |
Debt/Income ratio:
| 8% |
Basic (1-10):
| 5 |
Inquiries last 6m:
| 7 | Employment status: | Full-time employee |
Enhanced (1-5): | 3 |
Current / open credit lines:
| 3
/
3 | Length of status: | 3y 9m |
Credit score:
| 760-779 (Jul-2010) |
Total credit lines:
| 7 |
Occupation: | Waiter/Waitress |
Now delinquent:
| 0 |
Revolving credit balance:
| $556 | Stated income: | $25,000-$49,999 |
Amount delinquent:
| $0 |
Bankcard utilization:
| 2% | | |
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| No | | |
Delinquencies in last 7y:
| 0 | | | | |
Screen name:
| fsswim1 |
Borrower's state:
| California |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Description
Paying off credit card & Car repair
Purpose of loan:
Paying off higher interest credit card and minor car repairs.
My financial situation:
Gainfully employed and make payments on time.
Monthly net income: $
$3,257
Monthly expenses: $
??Housing: $ 400
??Insurance: $ 68.00
??Car expenses: $ 120.00
??Utilities: $ 30.00
??Phone, cable, internet: $57.00
??Food,
entertainment: $150.00
??Clothing, household expenses $100.00
??Credit
cards and other loans: $ 87.00
??Other expenses: $
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
467272
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount:
| $3,000.00 |
Prosper Rating:
| D |
Auction Duration:
| 7 days
|
Term:
| 36 months |
Estimated loss:
| 10.0% | | |
| | |
|
Starting lender yield:
| 25.25% |
Starting borrower rate/APR:
| 26.25% / 28.57% |
Starting monthly payment:
| $121.27 |
|
Auction yield range:
| 10.93% - 25.25% |
Estimated loss impact:
| 10.62% | | |
Lender servicing fee:
| 1.00% |
Estimated return:
| 14.63% | | |
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper scores:
| |
First credit line:
| Aug-2001 |
Debt/Income ratio:
| 8% |
Basic (1-10):
| 7 |
Inquiries last 6m:
| 4 | Employment status: | Full-time employee |
Enhanced (1-5): | 4 |
Current / open credit lines:
| 4
/
3 | Length of status: | 7y 6m |
Credit score:
| 660-679 (Jul-2010) |
Total credit lines:
| 14 |
Occupation: | Clerical |
Now delinquent:
| 0 |
Revolving credit balance:
| $1,430 | Stated income: | $25,000-$49,999 |
Amount delinquent:
| $0 |
Bankcard utilization:
| 28% | | |
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| No | | |
Delinquencies in last 7y:
| 38 | | | | |
Screen name:
| income-mate |
Borrower's state:
| California |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Description
Help us fix up our new home!
Purpose of loan:
This loan will be used?to fix up our new home. My fiance and I just closed escrow on our first home on June 16th?and there are lots of things to take care of around the house. We need a new toilet, the backyard needs to be re-done so that our two little dogs can safely be in the backyard, and we want to be able to create a loving, safe home for the family that we want to start within the next year.
Your help will be greatly appreciated!
My financial situation:
I am a good candidate for this loan because?my fiance and I?have?stable jobs with stable income. My bills are paid on time every month and this loan will be paid, ON TIME, every month as well.
We are good, honest people just trying to live out the american dream and build a home for our growing family.
When I was younger I made a few financial mistakes which explains the delinquencies listed above?but I have spent the last 4 years trying to build everything back up. I am constantly?finding that because of my past mistakes it is difficult for me to finance certain things. But hey, I must be doing something right if I was able to purchase a home, right??
I can guarantee that my payments will be made on time, every month. Please help me out so that I can prove myself and so that we can fix up our home.
Thank you!
Monthly net income: $ 4200.00
Monthly expenses: $ 2575.00
??Housing: $ 1300.00
??Insurance: $ 150.00
??Car expenses: $ 200 for gas (I commute with co-worker)
??Utilities: $ 100
??Phone, cable, internet: $ 75
??Food, entertainment: $ 200
??Clothing, household expenses $ 200
??Credit cards and other loans: $ 250
??Other expenses: $ 100
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
467298
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount:
| $12,000.00 |
Prosper Rating:
| HR |
Auction Duration:
| 7 days
|
Term:
| 36 months |
Estimated loss:
| 25.0% | | |
| | |
|
Starting lender yield:
| 34.00% |
Starting borrower rate/APR:
| 35.00% / 37.45% |
Starting monthly payment:
| $542.83 |
|
Auction yield range:
| 16.93% - 34.00% |
Estimated loss impact:
| 27.01% | | |
Lender servicing fee:
| 1.00% |
Estimated return:
| 6.99% | | |
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper scores:
| |
First credit line:
| Oct-1986 |
Debt/Income ratio:
| 24% |
Basic (1-10):
| 2 |
Inquiries last 6m:
| 1 | Employment status: | Full-time employee |
Enhanced (1-5): | 2 |
Current / open credit lines:
| 7
/
6 | Length of status: | 3y 10m |
Credit score:
| 700-719 (Jul-2010) |
Total credit lines:
| 30 |
Occupation: | Accountant/CPA |
Now delinquent:
| 2 |
Revolving credit balance:
| $10,672 | Stated income: | $25,000-$49,999 |
Amount delinquent:
| $18,496 |
Bankcard utilization:
| 95% | | |
Public records last 12m / 10y:
| 0/ 1 |
Homeownership:
| Yes | | |
Delinquencies in last 7y:
| 4 | | | | |
Screen name:
| exchange-buckeye |
Borrower's state:
| Arizona |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Description
Paying off my credit cards
Purpose of loan:
This loan will be used to pay off existing credit cards.? Having one consolidated payment with a definate pay-off date is an attainable goal.?
My financial situation:
I am a good candidate for this loan because the loan amount is affordable with my income combined with my wife's income.? We have a strong desire to pay?off our debt and reduce our credit card?debt.??
Monthly net income: $2500 + $2400 (spouse's income) = $4900?
Monthly expenses: $3590
??Housing: $ 1400????
??Insurance: $140
??Car expenses: $400 (gas?only - 2 vehicles - no auto loans)?
??Utilities: $400
??Phone, cable, internet: $200?
??Food, entertainment: $500
??Clothing, household expenses $100
??Credit cards and other loans: $450
??Other expenses: $0
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
467304
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount:
| $12,000.00 |
Prosper Rating:
| HR |
Auction Duration:
| 7 days
|
Term:
| 36 months |
Estimated loss:
| 18.0% | | |
| | |
|
Starting lender yield:
| 17.00% |
Starting borrower rate/APR:
| 18.00% / 20.21% |
Starting monthly payment:
| $433.83 |
|
Auction yield range:
| 16.93% - 17.00% |
Estimated loss impact:
| 18.94% | | |
Lender servicing fee:
| 1.00% |
Estimated return:
| -1.94% | | |
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper scores:
| |
First credit line:
| Oct-1990 |
Debt/Income ratio:
| 75% |
Basic (1-10):
| 4 |
Inquiries last 6m:
| 4 | Employment status: | Full-time employee |
Enhanced (1-5): | 2 |
Current / open credit lines:
| 32
/
29 | Length of status: | 3y 8m |
Credit score:
| 640-659 (Jul-2010) |
Total credit lines:
| 54 |
Occupation: | Analyst |
Now delinquent:
| 0 |
Revolving credit balance:
| $34,561 | Stated income: | $75,000-$99,999 |
Amount delinquent:
| $0 |
Bankcard utilization:
| 70% | | |
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| Yes | | |
Delinquencies in last 7y:
| 0 | | | | |
Screen name:
| peso-icon |
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
High Interest Debt Demolition
Purpose of loan:
This loan will be used to?? Demolish some high interest debt once and for all.? I have some high interst credit cards and health service account I opened to get my dog stomach surgery that is about to come off of the zero interest promotion.
This is what I would like to pay off.
Visa $3200 @ 27%
Visa $1100 @ 23%
M/C $1500 @ 32%
M/C $1700 @ 27%
Wells Fargo $4500@ (soon to be) 26%
My financial situation:
I am a good candidate for this loan because? I have a stable job, and so does my wife.? I have a household income of $230K including my spouse.? I plan to pay the loan back in less than?36 months, and by then my credit score will be higher and I will work on the remainder of my revolving debt.
I appreciate the opportunity to work with you and pay you the interest that Chase and WellsFargo want to?suck out of me, even though I have zero late pays and and an excellent?payment history.? I just have a lot of credit and some newer credit line that bring my score down.? I was really hurt when the recent credit revision happened and several of my credit lines shrank by half, making my available credit greatly reduced.
I welcome any and all questions.
Monthly net income: $ 7500
Monthly expenses: $
??Housing: $ 1780
??Insurance: $???
??Car expenses: $?525
??Utilities: $
??Phone, cable, internet: $
??Food, entertainment: $
??Clothing, household expenses $
??Credit cards and other loans: $ 1000
??Other expenses: $
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
467316
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount:
| $7,000.00 |
Prosper Rating:
| HR |
Auction Duration:
| 7 days
|
Term:
| 36 months |
Estimated loss:
| 25.0% | | |
| | |
|
Starting lender yield:
| 19.99% |
Starting borrower rate/APR:
| 20.99% / 23.24% |
Starting monthly payment:
| $263.69 |
|
Auction yield range:
| 16.93% - 19.99% |
Estimated loss impact:
| 26.13% | | |
Lender servicing fee:
| 1.00% |
Estimated return:
| -6.14% | | |
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper scores:
| |
First credit line:
| Mar-1994 |
Debt/Income ratio:
| 22% |
Basic (1-10):
| 2 |
Inquiries last 6m:
| 0 | Employment status: | Full-time employee |
Enhanced (1-5): | 3 |
Current / open credit lines:
| 3
/
2 | Length of status: | 3y 5m |
Credit score:
| 680-699 (Jul-2010) |
Total credit lines:
| 22 |
Occupation: | Professional |
Now delinquent:
| 2 |
Revolving credit balance:
| $220 | Stated income: | $25,000-$49,999 |
Amount delinquent:
| $136 |
Bankcard utilization:
| 0% | | |
Public records last 12m / 10y:
| 0/ 1 |
Homeownership:
| No | | |
Delinquencies in last 7y:
| 12 | | | | |
Screen name:
| OmaRich |
Borrower's state:
| Nebraska |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan history | Payment history | Credit score history |
Active / total loans:
| 0 / 1 |
On-time:
| 27 ( 77% )
| 680-699 (Latest)
|
Principal borrowed:
| $10,200.00 | < 31 days late:
| 3
( 9% )
| 660-679
(May-2010)
540-559
(Dec-2007)
660-679
(Mar-2007)
|
Principal balance:
| $2.91 |
31+ days late:
| 5
( 14% )
|
Total payments billed:
| 35 | | |
Description
Buying a new car for our family
Purpose of loan:
This loan will be used to purchase a new used car. Currently we have a 1995 and a 1997 and need something with better fuel economy and less rust. I plan on trading it in if possible but I need the cash to be able to negotiate for a better vehicle.?
?Also, the data above is incorrect. We bought our home in 2003 for 125,000 and owe 98.000 on the principle and have never missed a?payment.
My financial situation:
I am a good candidate for this loan because I have used Prosper in the past and paid off a previous?loan in the amount of 10,200.00. Even though my history shows delinquencies I paid every month. We paid a prosper loan off and 17,000.00 on a bankrupcy. There should be no delinquencies as they were all paid offor a part of our chapter 13 (being paid off)and is less than 3000 balance owed. The original amount was over 20,000.00.
?We signed up for one of those companies like on TV that say make one easy payment and they never paid my?creditors. Neverless to say I was upset and there was a sheriff sale filed on us and the only way to stop it was a bankrupcy. I am a reliable, dependable and honest god fearing individual that prays there are good people willing to help.
?If you are a God fearing person like myself you will understand publicly I state, "I promise to repay the loan" in good faith and sooner if fortune permits. Also, I corrected the delinquencies?on the credit report,?see the upgrade in the credit?score.
?I am a member of "Keep the Faith Missions" located at http://ktfmissions.com/forum/?I am a vested member. Please check my references with "Frank26" he will vouch for me and my purist intention. My username is "OmaRxxh". I am good for it. Just replace the xx's with "ic" to?when checking out the website.
Monthly net income: $ 3000.00
Monthly expenses: $
??Housing: $ 1001.00
??Insurance: $ 0.00 my wife pays
??Car expenses: $ 0.00 we have?2 old cars
??Utilities: $ 185.00
??Phone, cable, internet: $?110.00
??Food, entertainment: $?300.00
??Clothing, household expenses $ 100.00
??Credit cards and other loans: $
??Other expenses: $
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
467334
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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:
| 25.33% |
Starting borrower rate/APR:
| 26.33% / 28.65% |
Starting monthly payment:
| $80.93 |
|
Auction yield range:
| 10.93% - 25.33% |
Estimated loss impact:
| 10.63% | | |
Lender servicing fee:
| 1.00% |
Estimated return:
| 14.70% | | |
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper scores:
| |
First credit line:
| Nov-1982 |
Debt/Income ratio:
| 40% |
Basic (1-10):
| 8 |
Inquiries last 6m:
| 0 | Employment status: | Full-time employee |
Enhanced (1-5): | 3 |
Current / open credit lines:
| 16
/
12 | Length of status: | 19y 11m |
Credit score:
| 640-659 (Jul-2010) |
Total credit lines:
| 42 |
Occupation: | Other |
Now delinquent:
| 0 |
Revolving credit balance:
| $26,057 | Stated income: | $25,000-$49,999 |
Amount delinquent:
| $0 |
Bankcard utilization:
| 80% | | |
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| No | | |
Delinquencies in last 7y:
| 1 | | | | |
Screen name:
| gold-stronghold1 |
Borrower's state:
| Florida |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Description
PAYING OFF VET BILLS/ AUTO REPAIRS
Purpose of loan:
This loan will be used to payoff a vet bill and to repair the air conditioning in my vehicle.? My family works with animal rescue, and the vehicle is used for the animals.? ?
My financial situation:
I am a good candidate for this loan because I have lived at the same address for the last 36 years, and I've worked for the same employer for 20 years.? Also, I have paid off multiple loans in the past.?
Monthly net income: $ 2364
Monthly expenses: $
??Housing: $ 500
??Insurance: $
??Car expenses: $
??Utilities: $
??Phone, cable, internet: $
??Food, entertainment: $200
??Clothing, household expenses $
??Credit cards and other loans: $ 481
??Other expenses: $
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
467340
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount:
| $2,000.00 |
Prosper Rating:
| E |
Auction Duration:
| 7 days
|
Term:
| 36 months |
Estimated loss:
| 14.0% | | |
| | |
|
Starting lender yield:
| 33.23% |
Starting borrower rate/APR:
| 34.23% / 36.67% |
Starting monthly payment:
| $89.60 |
|
Auction yield range:
| 13.93% - 33.23% |
Estimated loss impact:
| 15.53% | | |
Lender servicing fee:
| 1.00% |
Estimated return:
| 17.70% | | |
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:
| Aug-2000 |
Debt/Income ratio:
| 115% |
Basic (1-10):
| 6 |
Inquiries last 6m:
| 0 | Employment status: | Part-time employee |
Enhanced (1-5): | 3 |
Current / open credit lines:
| 8
/
4 | Length of status: | 0y 10m |
Credit score:
| 680-699 (Jun-2010) |
Total credit lines:
| 30 |
Occupation: | Sales - Commission |
Now delinquent:
| 1 |
Revolving credit balance:
| $5,322 | Stated income: | $1-$24,999 |
Amount delinquent:
| $110 |
Bankcard utilization:
| 66% | | |
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| No | | |
Delinquencies in last 7y:
| 4 | | | | |
Screen name:
| commitment-supernova |
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 payments
Purpose of loan:
This loan will be used to pay of some of our past due bills and consolidate 2 high interest credit card payments
My financial situation:
We have had our troubled time and know that we need to get back to a good start. We are now aware of our financial situation and want to make it better. My husband has a new job, and I am in the process of going back to work after having our children. I am a mother of 2 and just want to give my children the opportunities that I know I won't be able to if I don't fix my financial situation. We are doing everything we can to lower our expenses on a monthly basis. We are moving in with family to lower our mortgage and expenses. We are doing what we can but just need a little help to get back on our feet.
Monthly net income: $3000
Monthly expenses: $1700
??Housing: $ 300
??Insurance: $
??Car expenses: $0
??Utilities: $100
??Phone, cable, internet: $75
??Food, entertainment: $ 150
??Clothing, household expenses $ 100
??Credit cards and other loans: $ 800
??Other expenses: $
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
467344
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount:
| $12,000.00 |
Prosper Rating:
| C |
Auction Duration:
| 7 days
|
Term:
| 36 months |
Estimated loss:
| 7.0% | | |
| | |
|
Starting lender yield:
| 9.00% |
Starting borrower rate/APR:
| 10.00% / 12.11% |
Starting monthly payment:
| $387.21 |
|
Auction yield range:
| 7.93% - 9.00% |
Estimated loss impact:
| 7.18% | | |
Lender servicing fee:
| 1.00% |
Estimated return:
| 1.82% | | |
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper scores:
| |
First credit line:
| Jun-2000 |
Debt/Income ratio:
| 30% |
Basic (1-10):
| 7 |
Inquiries last 6m:
| 0 | Employment status: | Full-time employee |
Enhanced (1-5): | 5 |
Current / open credit lines:
| 14
/
13 | Length of status: | 5y 11m |
Credit score:
| 780-799 (Jul-2010) |
Total credit lines:
| 25 |
Occupation: | Other |
Now delinquent:
| 0 |
Revolving credit balance:
| $13,875 | Stated income: | $25,000-$49,999 |
Amount delinquent:
| $0 |
Bankcard utilization:
| 38% | | |
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| Yes | | |
Delinquencies in last 7y:
| 0 | | | | |
Screen name:
| economy-sorcerer9 |
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 my credit cards.
My financial situation:
I am a good candidate for this loan because I have very secure job. I have never missed a credit card payment and always paid over the minimum. Just want to be debt free (excluding my mortgage) in 3 yrs instead of 4-5 yrs.
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
467370
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount:
| $8,500.00 |
Prosper Rating:
| HR |
Auction Duration:
| 7 days
|
Term:
| 36 months |
Estimated loss:
| 18.0% | | |
| | |
|
Starting lender yield:
| 17.00% |
Starting borrower rate/APR:
| 18.00% / 20.21% |
Starting monthly payment:
| $307.30 |
|
Auction yield range:
| 16.93% - 17.00% |
Estimated loss impact:
| 18.94% | | |
Lender servicing fee:
| 1.00% |
Estimated return:
| -1.94% | | |
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper scores:
| |
First credit line:
| Jan-2007 |
Debt/Income ratio:
| 11% |
Basic (1-10):
| 5 |
Inquiries last 6m:
| 2 | Employment status: | Full-time employee |
Enhanced (1-5): | 3 |
Current / open credit lines:
| 8
/
7 | Length of status: | 3y 0m |
Credit score:
| 640-659 (Jul-2010) |
Total credit lines:
| 15 |
Occupation: | Food Service Manage... |
Now delinquent:
| 0 |
Revolving credit balance:
| $2,512 | Stated income: | $25,000-$49,999 |
Amount delinquent:
| $0 |
Bankcard utilization:
| 54% | | |
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| No | | |
Delinquencies in last 7y:
| 0 | | | | |
Screen name:
| durable-agreement3 |
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
A New Start
Purpose of loan:
This loan will be used to?
My financial situation:
I am a good person for this loan because I always pay my bills on time. My credit might be low because I am new to the credit market, starting in 2007 when I got my first job here in USA. Since then I have been on a good road with my credit. I need this loan so I can buy a nice cheap car. I know you might say to yourself I can get a first time car buyer loan, but with that I will have to get a NEW, overpriced car. I seen a car(mini cooper)?on auto trader that was cheap, but had many miles so no company would finance it for me, and I was told about this site, so PLEASE help me if you can. Thanks
Monthly net income: $ 3,700
Monthly expenses: $
??Housing: $ Live with?family?
??Insurance: $? no car
??Car expenses: $ none
??Utilities: $
??Phone, cable, internet: $ 220
??Food, entertainment: $175
??Clothing, household expenses $30
??Credit cards and other loans: $400
??Other expenses: $ 200
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
467376
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount:
| $11,000.00 |
Prosper Rating:
| HR |
Auction Duration:
| 7 days
|
Term:
| 36 months |
Estimated loss:
| 25.0% | | |
| | |
|
Starting lender yield:
| 34.00% |
Starting borrower rate/APR:
| 35.00% / 37.45% |
Starting monthly payment:
| $497.60 |
|
Auction yield range:
| 16.93% - 34.00% |
Estimated loss impact:
| 27.01% | | |
Lender servicing fee:
| 1.00% |
Estimated return:
| 6.99% | | |
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper scores:
| |
First credit line:
| Nov-1974 |
Debt/Income ratio:
| 41% |
Basic (1-10):
| 2 |
Inquiries last 6m:
| 0 | Employment status: | Full-time employee |
Enhanced (1-5): | 2 |
Current / open credit lines:
| 8
/
7 | Length of status: | 2y 10m |
Credit score:
| 660-679 (Jul-2010) |
Total credit lines:
| 23 |
Occupation: | Clerical |
Now delinquent:
| 0 |
Revolving credit balance:
| $52,521 | Stated income: | $25,000-$49,999 |
Amount delinquent:
| $0 |
Bankcard utilization:
| 100% | | |
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| Yes | | |
Delinquencies in last 7y:
| 0 | | | | |
Screen name:
| alaskagardner51 |
Borrower's state:
| Alaska |
Borrower's group:
| N/A |
Credit and homeownership information was obtained 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:
| 32 ( 97% )
| 660-679 (Latest)
|
Principal borrowed:
| $12,400.00 | < 31 days late:
| 1
( 3% )
| 700-719
(Apr-2010)
660-679
(Dec-2009)
680-699
(Jan-2008)
780-799
(Feb-2007)
|
Principal balance:
| $0.00 |
31+ days late:
| 0
( 0% )
|
Total payments billed:
| 33 | | |
Description
Credit Cards --- Lesson Learned
Hello Lenders:
Here I am once again asking for a loan. I have had two previous loans with you and have also been turned down for a few. I am hoping that by giving you a bit more information about myself and my situation it will help you to decide in my favor. If you have access to my past loans you will find that I was never late on a payment and that I paid both loans off very early. I hope this will account for a positive vote in my favor.
I have let myself get caught up in using credit cards. I have been reviewing my statements and find that the interest rates I am paying will not allow me to pay off the balances at any time in the future. I guess I never fully understood until just recently how really bad credit cards are for people. I have now cut mine up and have requested not to have any promotional mail sent to me for any future cards. If I find I need a credit card in the future my bank offers them at a rate that is easy to live with. My goal is to live on my salary only and not to need credit cards.
I am asking for a loan amount of $11,000.00. This will pay off of my credit cards and allow me to have money left over to put into my home. My parents moved in with me about 6 months ago and I would like to finish up my downstairs area for them to use as their apartment.
My monthly expenses are as follows:
Mortgage $ 930.00
Car Payment $ 215.00
Auto Insurance $ 108.00
Utilities $ 430.00
Electric, Natural Gas, Phone, TV, Refuse Pick-up
Total $1683.00/month
My Income:
Salary $1920.00
Other Income $ 450.00
Other Income $ 550.00
Total $2920.00
I have not included my credit cards as I am hoping to pay them off with this loan if it is granted.
Please feel free to contact me if you have any questions. I will be very happy to answer them if I can.
Thank you for your time and consideration.
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
467382
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount:
| $7,500.00 |
Prosper Rating:
| AA |
Auction Duration:
| 7 days
|
Term:
| 36 months |
Estimated loss:
| 1.5% | | |
| | |
|
Starting lender yield:
| 4.25% |
Starting borrower rate/APR:
| 5.25% / 5.59% |
Starting monthly payment:
| $225.62 |
|
Auction yield range:
| 2.93% - 4.25% |
Estimated loss impact:
| 1.49% | | |
Lender servicing fee:
| 1.00% |
Estimated return:
| 2.76% | | |
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper scores:
| |
First credit line:
| Jul-1997 |
Debt/Income ratio:
| Self-employed (DTI Not Calculated) |
Basic (1-10):
| 7 |
Inquiries last 6m:
| 0 | Employment status: | Self-employed |
Enhanced (1-5): | 5 |
Current / open credit lines:
| 9
/
6 | Length of status: | 3y 3m |
Credit score:
| 800-819 (Jun-2010) |
Total credit lines:
| 27 |
Occupation: | Sales - Commission |
Now delinquent:
| 0 |
Revolving credit balance:
| $11,395 | Stated income: | $25,000-$49,999 |
Amount delinquent:
| $0 |
Bankcard utilization:
| 37% | | |
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| Yes | | |
Delinquencies in last 7y:
| 0 | | | | |
Screen name:
| credible-benjamins2 |
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
son's wedding
Purpose of loan:
This loan will be used to prepare my son's wedding.
I am a good candidate for this loan because I never late my payments and I have good credit score?
Monthly net income: $ 35000
Monthly expenses: $ 400
??Housing: $ 1200
??Insurance: $ 50
??Car expenses: $ 100
??Utilities: $ 250
??Phone, cable, internet: $ 19
??Food, entertainment: $ 100
??Clothing, household expenses $ 0
??Credit cards and other loans: $ 1000
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
467388
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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:
| 3.93% - 8.20% |
Estimated loss impact:
| 2.12% | | |
Lender servicing fee:
| 1.00% |
Estimated return:
| 6.08% | | |
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper scores:
| |
First credit line:
| Jul-1999 |
Debt/Income ratio:
| 25% |
Basic (1-10):
| 9 |
Inquiries last 6m:
| 0 | Employment status: | Full-time employee |
Enhanced (1-5): | 5 |
Current / open credit lines:
| 13
/
11 | Length of status: | 3y 3m |
Credit score:
| 720-739 (Jul-2010) |
Total credit lines:
| 18 |
Occupation: | Architect |
Now delinquent:
| 0 |
Revolving credit balance:
| $7,160 | Stated income: | $50,000-$74,999 |
Amount delinquent:
| $0 |
Bankcard utilization:
| 49% | | |
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| Yes | | |
Delinquencies in last 7y:
| 0 | | | | |
Screen name:
| truth-framework |
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
New Roof Home Repair
Purpose of loan:
This loan will be used to complete funding of a new roof for my home.? It is a small, well-kept home.? But I would like to have the new shingles layed over right now, rather than going through another rainy, snowy winter.? The job will cost $5000, of which I need $3500 now, hence the need for the Prosper loan.
My financial situation:
I am a good candidate for this loan because my fixed (and very steady) income exceeds $70k/year and I have great credit.
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
467394
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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:
| 7.90% |
Starting borrower rate/APR:
| 8.90% / 10.99% |
Starting monthly payment:
| $63.51 |
|
Auction yield range:
| 3.93% - 7.90% |
Estimated loss impact:
| 2.12% | | |
Lender servicing fee:
| 1.00% |
Estimated return:
| 5.78% | | |
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments 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:
| Not calculated |
Basic (1-10):
| 9 |
Inquiries last 6m:
| 1 | Employment status: | Part-time employee |
Enhanced (1-5): | 5 |
Current / open credit lines:
| 6
/
5 | Length of status: | 2y 11m |
Credit score:
| 700-719 (Jul-2010) |
Total credit lines:
| 18 |
Occupation: | Other |
Now delinquent:
| 0 |
Revolving credit balance:
| $10,310 | Stated income: | $1-$24,999 |
Amount delinquent:
| $0 |
Bankcard utilization:
| 71% | | |
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| No | | |
Delinquencies in last 7y:
| 0 | | | | |
Screen name:
| gators88 |
Borrower's state:
| SouthCarolina |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan history | Payment history | Credit score history |
Active / total loans:
| 1 / 1 |
On-time:
| 21 ( 100% )
| 700-719 (Latest)
|
Principal borrowed:
| $12,500.00 | < 31 days late:
| 0
( 0% )
| 740-759
(Dec-2009)
740-759
(Sep-2008)
740-759
(Aug-2008)
|
Principal balance:
| $6,077.16 |
31+ days late:
| 0
( 0% )
|
Total payments billed:
| 21 | | |
Description
Need a summer boost
Purpose of loan: To pay bills until school starts
My financial situation: okay...I just can't find summer work and school doesn't start for another month. I just don't want to be short in August and September because of the lag in working vs. paycheck time.
I am a good candidate for this loan because?I've been paying the rest of my bills as well as my prosper loan on time.
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
467400
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount:
| $2,750.00 |
Prosper Rating:
| 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:
| $87.71 |
|
Auction yield range:
| 3.93% - 8.20% |
Estimated loss impact:
| 2.12% | | |
Lender servicing fee:
| 1.00% |
Estimated return:
| 6.08% | | |
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper scores:
| |
First credit line:
| Sep-1994 |
Debt/Income ratio:
| 34% |
Basic (1-10):
| 9 |
Inquiries last 6m:
| 1 | Employment status: | Full-time employee |
Enhanced (1-5): | 5 |
Current / open credit lines:
| 16
/
14 | Length of status: | 2y 1m |
Credit score:
| 740-759 (Jun-2010) |
Total credit lines:
| 28 |
Occupation: | Teacher |
Now delinquent:
| 0 |
Revolving credit balance:
| $7,385 | 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:
| 0 | | | | |
Screen name:
| new-knowledgeable-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
My loan for an auto purchase
Purpose of loan:
This loan will be used as a down payment for a car.
My financial situation:
I was recently in a car accident and need to purchase a new car. I am a good candidate for this loan because I have been employed for 6 years and have a good credit history.
Monthly net income: $3000
Monthly expenses: $
??Housing:?
??Insurance: $75?
??Car expenses:?
??Utilities: $80
??Phone, cable, internet: $100
??Food, entertainment: $?150
??Clothing, household expenses $ 100
??Credit cards and other loans: $ 250
??Other expenses: $
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
467406
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount:
| $12,000.00 |
Prosper Rating:
| AA |
Auction Duration:
| 7 days
|
Term:
| 36 months |
Estimated loss:
| 1.5% | | |
| | |
|
Starting lender yield:
| 8.38% |
Starting borrower rate/APR:
| 9.38% / 9.72% |
Starting monthly payment:
| $383.72 |
|
Auction yield range:
| 2.93% - 8.38% |
Estimated loss impact:
| 1.50% | | |
Lender servicing fee:
| 1.00% |
Estimated return:
| 6.88% | | |
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper scores:
| |
First credit line:
| Mar-1982 |
Debt/Income ratio:
| 13% |
Basic (1-10):
| 7 |
Inquiries last 6m:
| 2 | Employment status: | Full-time employee |
Enhanced (1-5): | 5 |
Current / open credit lines:
| 9
/
9 | Length of status: | 4y 5m |
Credit score:
| 820-839 (Jul-2010) |
Total credit lines:
| 22 |
Occupation: | Other |
Now delinquent:
| 0 |
Revolving credit balance:
| $678 | Stated income: | $100,000+ |
Amount delinquent:
| $0 |
Bankcard utilization:
| 2% | | |
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| Yes | | |
Delinquencies in last 7y:
| 0 | | | | |
Screen name:
| competent-market5 |
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
personal business loan
Purpose of loan:
This loan will be used to??
This loan will be used as?business capital in a family business?
My financial situation:
I am a good candidate for this loan because?
I am a good canadate for this loan because of my outstanding credit in the past and my ability to repay
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
467412
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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:
| 18.0% | | |
| | |
|
Starting lender yield:
| 34.00% |
Starting borrower rate/APR:
| 35.00% / 37.45% |
Starting monthly payment:
| $588.07 |
|
Auction yield range:
| 16.93% - 34.00% |
Estimated loss impact:
| 20.01% | | |
Lender servicing fee:
| 1.00% |
Estimated return:
| 13.99% | | |
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper scores:
| |
First credit line:
| May-1999 |
Debt/Income ratio:
| 36% |
Basic (1-10):
| 5 |
Inquiries last 6m:
| 0 | Employment status: | Full-time employee |
Enhanced (1-5): | 5 |
Current / open credit lines:
| 16
/
14 | Length of status: | 9y 2m |
Credit score:
| 720-739 (Jul-2010) |
Total credit lines:
| 24 |
Occupation: | Other |
Now delinquent:
| 0 |
Revolving credit balance:
| $12,298 | Stated income: | $50,000-$74,999 |
Amount delinquent:
| $0 |
Bankcard utilization:
| 85% | | |
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| Yes | | |
Delinquencies in last 7y:
| 0 | | | | |
Screen name:
| HopeToBeDebtFree |
Borrower's state:
| NewYork |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Description
Pay Off Credit - Prepare for Baby
I will use this loan to pay off my high interest credit cards, because my wife and I are planning on having a baby within the next year or two. I would really like to be as close to debt free as possible by the time I have a child.
I would rather be paying you than the credit card companies.
I am making all my credit card payments on time, I just can't pay enough extra on them to get the balances paid down.
With this loan I will pay off those cards and the payments that I was making will be applied directly to this loan.
Therefore I will have no problems making these payments in full and on time.
Monthly Net income = $4800 < Just my income My wife makes about $2000 a month
Mortgage = $1400
Vehicle Payments & Fuel= $600
Insurance = $250
Utilities, Cell Phones, Internet = $300
Clothing, household expenses = $100
Food, entertainment = $300
Current Credit cards and other loans = $575 After the loan this will be applied directly to the loan payment
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
467418
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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:
| 30.90% |
Starting borrower rate/APR:
| 31.90% / 34.31% |
Starting monthly payment:
| $347.99 |
|
Auction yield range:
| 16.93% - 30.90% |
Estimated loss impact:
| 19.81% | | |
Lender servicing fee:
| 1.00% |
Estimated return:
| 11.09% | | |
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper scores:
| |
First credit line:
| Mar-1994 |
Debt/Income ratio:
| Self-employed (DTI Not Calculated) |
Basic (1-10):
| 3 |
Inquiries last 6m:
| 1 | Employment status: | Self-employed |
Enhanced (1-5): | 4 |
Current / open credit lines:
| 9
/
6 | Length of status: | 1y 8m |
Credit score:
| 700-719 (Jul-2010) |
Total credit lines:
| 69 |
Occupation: | Psychologist |
Now delinquent:
| 0 |
Revolving credit balance:
| $12,424 | Stated income: | $50,000-$74,999 |
Amount delinquent:
| $0 |
Bankcard utilization:
| 72% | | |
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| No | | |
Delinquencies in last 7y:
| 2 | | | | |
Screen name:
| EulaMarie |
Borrower's state:
| Montana |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan history | Payment history | Credit score history |
Active / total loans:
| 0 / 1 |
On-time:
| 35 ( 97% )
| 700-719 (Latest)
|
Principal borrowed:
| $3,000.00 | < 31 days late:
| 1
( 3% )
| 640-659
(Jun-2007)
|
Principal balance:
| $0.01 |
31+ days late:
| 0
( 0% )
|
Total payments billed:
| 36 | | |
Description
Healing the Healer
Purpose of loan:
This loan will be used to correct a disfiguring cosmetic condition that has made me self-conscious and affected my self-esteem my entire life.? I've worked hard, putting myself through school. I've become a respected licensed clinical professional counselor and maintain a strong client base, thus a good income.?? Summertime is the best time to have the procedure as clients tend to want and need less contact time with their therapist, thus now is a great time to have the procedure done.?
My financial situation:
I am a good candidate for this loan because I have a strong credit history, a strong work history, a good education and thus the capacity to pay back the loan.??I have saved 20% of the cost of the procedure and this is the best time to have it done, ie: the least interruptive to my clients.
Monthly net income: $ 4167
Monthly expenses: $
??Housing: $ 600
??Insurance: $ 150
??Car expenses: $ 350
??Utilities: $ 150
??Phone, cable, internet: $ 50
??Food, entertainment: $?400
??Clothing, household expenses $ 200
??Credit cards and other loans: $?200
??Other expenses: $ 0
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
467424
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount:
| $15,000.00 |
Prosper Rating:
| HR |
Auction Duration:
| 7 days
|
Term:
| 36 months |
Estimated loss:
| 18.0% | | |
| | |
|
Starting lender yield:
| 17.00% |
Starting borrower rate/APR:
| 18.00% / 20.21% |
Starting monthly payment:
| $542.29 |
|
Auction yield range:
| 16.93% - 17.00% |
Estimated loss impact:
| 18.94% | | |
Lender servicing fee:
| 1.00% |
Estimated return:
| -1.94% | | |
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper scores:
| |
First credit line:
| Sep-1994 |
Debt/Income ratio:
| Self-employed (DTI Not Calculated) |
Basic (1-10):
| 5 |
Inquiries last 6m:
| 0 | Employment status: | Self-employed |
Enhanced (1-5): | 3 |
Current / open credit lines:
| 4
/
4 | Length of status: | 6y 8m |
Credit score:
| 720-739 (Jul-2010) |
Total credit lines:
| 20 |
Occupation: | Executive |
Now delinquent:
| 0 |
Revolving credit balance:
| $55,449 | Stated income: | $100,000+ |
Amount delinquent:
| $0 |
Bankcard utilization:
| 88% | | |
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| Yes | | |
Delinquencies in last 7y:
| 0 | | | | |
Screen name:
| impressive-dinero1 |
Borrower's state:
| Wisconsin |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Description
Updating House To Sell
Purpose of loan:
This loan will be used to update our home for resale. Including flooring, paint, landscaping, etc...
My financial situation:
I am a good candidate for this loan because the business I have been in for 7 years is a Real Estate based business dealing with rehabbing homes. So this project will go quickly and smoothly once we get the loan.
Monthly net income: $
8124.00
Monthly expenses: $
4486.48
??Housing: $
956.48
??Insurance: $
340.00
??Car expenses: $
400.00
??Utilities: $
230.00
??Phone, cable, internet: $
160.00
??Food, entertainment: $ 500.00
??Clothing, household expenses $
350.00
??Credit cards and other loans: $
1050.00
??Other expenses: $
500.00
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
467436
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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:
| 33.15% |
Starting borrower rate/APR:
| 34.15% / 36.59% |
Starting monthly payment:
| $179.03 |
|
Auction yield range:
| 13.93% - 33.15% |
Estimated loss impact:
| 15.53% | | |
Lender servicing fee:
| 1.00% |
Estimated return:
| 17.62% | | |
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper scores:
| |
First credit line:
| Jul-1992 |
Debt/Income ratio:
| 16% |
Basic (1-10):
| 6 |
Inquiries last 6m:
| 0 | Employment status: | Full-time employee |
Enhanced (1-5): | 5 |
Current / open credit lines:
| 5
/
4 | Length of status: | 13y 6m |
Credit score:
| 680-699 (Jul-2010) |
Total credit lines:
| 40 |
Occupation: | Social Worker |
Now delinquent:
| 0 |
Revolving credit balance:
| $1,424 | Stated income: | $50,000-$74,999 |
Amount delinquent:
| $0 |
Bankcard utilization:
| 94% | | |
Public records last 12m / 10y:
| 0/ 1 |
Homeownership:
| No | | |
Delinquencies in last 7y:
| 6 | | | | |
Screen name:
| p2ploan-celebration8 |
Borrower's state:
| Illinois |
Borrower's group:
| Road To Better Credit |
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Description
Making a better life for my kids
Purpose of loan:
This loan will be used to? consolidate bills and needed car repairs
My financial situation:
I am a good candidate for this loan because? I?am a single mother of two wonderful boys who mean the world to me and I am doing everything I can to give them the best life possible.? Unfortunately?I went through a divorce a few years ago and did everything in my power to keep up but it finally came to a point I was fighting a losing battle.? I had to file bankruptcy due to an expensive divorce and getting stuck with alot of bills as they were in my name. Prior to the bankruptcy I had a credit score of 800 as I ALWAYS paid my bills and was never late.? I can PROMISE I will never allow that to happen again.? I have a great job and have been there for 13 years.? I have many references I can give you as to my character and financial stability to pay my bills.? The loan payments can be direct debited from my bank account.? I?have a couple bills left due to reaffirmation and also have some car repairs.? I would like to just have one payment.? I appreciate you taking the time to read my application and please do not hesitate to ask any questions.? Thank you!!!!
Monthly net income: $ 3742
Monthly expenses: $
??Housing: $ 750
??Insurance: $ 106
??Car expenses: $ 355
??Utilities: $ 150
??Phone, cable, internet: $ 125
??Food, entertainment: $ 250
??Clothing, household expenses $ 100?
??Credit cards and other loans: $ 200
??Other expenses: $ 100
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
467442
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount:
| $8,000.00 |
Prosper Rating:
| HR |
Auction Duration:
| 7 days
|
Term:
| 36 months |
Estimated loss:
| 18.0% | | |
| | |
|
Starting lender yield:
| 16.93% |
Starting borrower rate/APR:
| 17.93% / 20.14% |
Starting monthly payment:
| $288.94 |
|
Auction yield range:
| 16.93% - 16.93% |
Estimated loss impact:
| 18.93% | | |
Lender servicing fee:
| 1.00% |
Estimated return:
| -2.00% | | |
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper scores:
| |
First credit line:
| Apr-1987 |
Debt/Income ratio:
| Not calculated |
Basic (1-10):
| 5 |
Inquiries last 6m:
| 0 | Employment status: | Not employed |
Enhanced (1-5): | 4 |
Current / open credit lines:
| 9
/
8 | Length of status: | 9y 0m |
Credit score:
| 680-699 (Jul-2010) |
Total credit lines:
| 14 | Stated income: | Not employed |
Now delinquent:
| 0 |
Revolving credit balance:
| $78,860 | |
Amount delinquent:
| $0 |
Bankcard utilization:
| 96% | | |
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| Yes | | |
Delinquencies in last 7y:
| 0 | | | | |
Screen name:
| gain-cedar4 |
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
gain-cedar4
Purpose of loan:?
My bone-crushing debt started with my desire to start a family.? I needed to quit my high-stress job in investment banking to pursue infertility treatments and eventually the adoption of my 2 boys.? My debt steadily rose.? One of my sons had adjustment concerns that required extra attention, including homeschooling.? My focus was not on my personal finances but on the immediate welfare of my children.? Both boys are now solid high school students, and I look forward to returning to work.?
My financial situation:?
I have never defaulted on any obligation.? I am able to float my current debt through my husband's income.? I co-own my home valued at $850,000 to $1MM with less than $90,000 left on the mortgage.? With the help of a generous soul and a proactive approach to eliminating my debt load by securing employment (in administrative support; I have a BA), consolidating my payments, and lowering my interest rates, I can continue to be a responsible person.? We can both benefit.
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
467454
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount:
| $1,800.00 |
Prosper Rating:
| 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:
| $57.41 |
|
Auction yield range:
| 3.93% - 8.20% |
Estimated loss impact:
| 2.12% | | |
Lender servicing fee:
| 1.00% |
Estimated return:
| 6.08% | | |
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper scores:
| |
First credit line:
| Apr-1981 |
Debt/Income ratio:
| Self-employed (DTI Not Calculated) |
Basic (1-10):
| 9 |
Inquiries last 6m:
| 1 | Employment status: | Self-employed |
Enhanced (1-5): | 4 |
Current / open credit lines:
| 16
/
11 | Length of status: | 0y 0m |
Credit score:
| 720-739 (Jul-2010) |
Total credit lines:
| 34 |
Occupation: | Student - College J... |
Now delinquent:
| 0 |
Revolving credit balance:
| $7,430 | Stated income: | $1-$24,999 |
Amount delinquent:
| $0 |
Bankcard utilization:
| 39% | | |
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| Yes | | |
Delinquencies in last 7y:
| 0 | | | | |
Screen name:
| Juls404 |
Borrower's state:
| Ohio |
Borrower's group:
| 1st and BEST for Loans |
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan history | Payment history | Credit score history |
Active / total loans:
| 0 / 2 |
On-time:
| 35 ( 100% )
| 720-739 (Latest)
|
Principal borrowed:
| $3,700.00 | < 31 days late:
| 0
( 0% )
| 580-599
(Jan-2008)
580-599
(Dec-2007)
620-639
(May-2007)
600-619
(Mar-2007)
|
Principal balance:
| $0.00 |
31+ days late:
| 0
( 0% )
|
Total payments billed:
| 35 | | |
Description
Paying for College
Purpose of loan:
This loan will be used to pay part of my tuition.? I just received a small grant to cover part of it, so this Prosper loan will be used to pay the remainder.? I don't want to put it on a credit card.
My financial situation:
I am a good candidate for this loan because, in addition to being a full-time student, I have a part-time job that I got through eLance.? I also just started selling my artwork.? I paint ceramic tiles and frame them.? I sold my first one recently, and I plan on creating more to sell at art shows.
I am a homeowner and I am current on all of my bills.? Besides my mortgage, I have a second mortgage and three credit cards that I pay on.? My utility bills are a lot lower than average.? For one thing, I have never had cable TV.
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
467460
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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:
| 16.93% - 34.00% |
Estimated loss impact:
| 36.51% | | |
Lender servicing fee:
| 1.00% |
Estimated return:
| -2.51% | | |
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper scores:
| |
First credit line:
| Dec-1996 |
Debt/Income ratio:
| 23% |
Basic (1-10):
| 1 |
Inquiries last 6m:
| 6 | Employment status: | Full-time employee |
Enhanced (1-5): | 1 |
Current / open credit lines:
| 5
/
6 | Length of status: | 25y 7m |
Credit score:
| 660-679 (Jul-2010) |
Total credit lines:
| 22 |
Occupation: | Engineer - Electric... |
Now delinquent:
| 1 |
Revolving credit balance:
| $21,960 | Stated income: | $50,000-$74,999 |
Amount delinquent:
| $242 |
Bankcard utilization:
| 106% | | |
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| Yes | | |
Delinquencies in last 7y:
| 14 | | | | |
Screen name:
| leverage-cannon4 |
Borrower's state:
| Colorado |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Description
Debt consolidation
Purpose of loan:
My daughter is having her spine fused because of? a birth defect. This loan will pay off all my personal debt except for my house and?I will be there for her during her recovery.
My financial situation:
I am a good candidate for this loan because I have a steady work history with the same compny for the last 25 yaers
Monthly net income: $3300.00
Monthly expenses:
??Housing: $ 2996
??Insurance: $ 135
??Car expenses: $ 401
??Utilities: $ 300
??Phone, cable, internet: $ 150
??Food, entertainment: $?100
??Clothing, household expenses $ 200
??Credit cards and other loans: $ 250
??Other expenses: $
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
467472
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount:
| $2,500.00 |
Prosper Rating:
| HR |
Auction Duration:
| 7 days
|
Term:
| 36 months |
Estimated loss:
| 18.0% | | |
| | |
|
Starting lender yield:
| 34.00% |
Starting borrower rate/APR:
| 35.00% / 37.45% |
Starting monthly payment:
| $113.09 |
|
Auction yield range:
| 16.93% - 34.00% |
Estimated loss impact:
| 20.01% | | |
Lender servicing fee:
| 1.00% |
Estimated return:
| 13.99% | | |
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper scores:
| |
First credit line:
| Aug-2005 |
Debt/Income ratio:
| Self-employed (DTI Not Calculated) |
Basic (1-10):
| 5 |
Inquiries last 6m:
| 2 | Employment status: | Self-employed |
Enhanced (1-5): | 2 |
Current / open credit lines:
| 7
/
7 | Length of status: | 1y 10m |
Credit score:
| 640-659 (Jul-2010) |
Total credit lines:
| 11 |
Occupation: | Religious |
Now delinquent:
| 0 |
Revolving credit balance:
| $4,341 | Stated income: | $25,000-$49,999 |
Amount delinquent:
| $0 |
Bankcard utilization:
| 90% | | |
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| No | | |
Delinquencies in last 7y:
| 0 | | | | |
Screen name:
| newest-money-implementer |
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
Put the UNITY back in CommUNITY
Purpose of loan:
This loan will be used to??
promote unity among the?Valdosta Metro population by providing a tranquil environment that brings together individuals and families from various denominational, sociological, and racial backgrounds through the vehicle of creative arts to include but not limited to city wide talent shows, concerts, benefit balls, and conferences.
Funding will go toward advertisement, securing venues, live bands, artists, public figures, audio visual support, lodging and transportation for guest artists and figures.
My financial situation:
I am a good candidate for this loan because?
It is a low cost-high yield project. As a plus, I have a respected name in the region because of my religious affiliation and am very well networked with a great support system?through my local chamber of commerce, young professionals group, and local church. I have a solid business plan, and with hard work am guaranteed success because I am meeting a prevalent need that has gone unaddress in my region.
Our first project (The Rendezvous City Wide Talent Show) will cost $2000 to put on. $200 of it will be offset by the entry fees applied for each act, $300+ ?will be offset by the vendors, and we are host a raffle for a 32" Flat Screen Tv that will also contribute to offsetting our expenses.
We are looking at a minimal attendance of 500, and with tickets being $10 in advance and $15 at the door we are expecting a profit of $3500+ after all expenses have been taken care of.
Not to forget, I have partnered with Pastor Moses of?Breathe of Life Church in Nariobi, Kenya.? Five percent of our earnings will be set aside to bring hope to the Nairobi people by supplying clothes, food, and?funding for education of their orphans and widows.
This is the beginning of a great legacy in south Georgia!
Monthly net income: $ 1900
Monthly expenses: $
??Housing: $ 300
??Insurance: $ 100
??Car expenses: $ 152
??Utilities: $ 50
??Phone, cable, internet: $ 0
??Food, entertainment: $ 100
??Clothing, household expenses $ 0
??Credit cards and other loans: $ 250
??Other expenses: $ 100
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
421487
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount:
| $15,000.00 |
Prosper Rating:
| HR |
Auction Duration:
| 7 days
|
Term:
| 36 months |
Estimated loss:
| 18.0% | | |
| | |
|
Starting lender yield:
| 23.90% |
Starting borrower rate/APR:
| 24.90% / 27.20% |
Starting monthly payment:
| $595.60 |
|
Auction yield range:
| 16.93% - 23.90% |
Estimated loss impact:
| 19.37% | | |
Lender servicing fee:
| 1.00% |
Estimated return:
| 4.53% | | |
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:
| Apr-2002 |
Debt/Income ratio:
| 60% |
Basic (1-10):
| 3 |
Inquiries last 6m:
| 0 | Employment status: | Full-time employee |
Enhanced (1-5): | 4 |
Current / open credit lines:
| 9
/
9 | Length of status: | 4y 9m |
Credit score:
| 720-739 (Jul-2010) |
Total credit lines:
| 13 |
Occupation: | Construction |
Now delinquent:
| 0 |
Revolving credit balance:
| $18,529 | Stated income: | $25,000-$49,999 |
Amount delinquent:
| $0 |
Bankcard utilization:
| 88% | | |
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| Yes | | |
Delinquencies in last 7y:
| 0 | | | | |
Screen name:
| dolphin1979 |
Borrower's state:
| Missouri |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan history | Payment history | Credit score history |
Active / total loans:
| 0 / 1 |
On-time:
| 24 ( 100% )
| 720-739 (Latest)
|
Principal borrowed:
| $7,500.00 | < 31 days late:
| 0
( 0% )
| 700-719
(Jan-2008)
|
Principal balance:
| $0.00 |
31+ days late:
| 0
( 0% )
|
Total payments billed:
| 24 | | |
Description
Consolidate and Down Payment
Purpose of loan:
Consolidate Debt into one payment and put a down payment on a house.
My financial situation:
I am a good candidate for this loan because I have had NO delinquient bills in the 8 years I have had open credit lines. This will be my second Prosper Loan. I will use the loan?to?pay off all my credit cards and put?a good Down Payment towards my first home. I plan on paying off a large chunk of this loan with the $8000 tax credit i recieve in April.?
Monthly net income: $ 3300
Monthly expenses: $
??Housing: $ 230
??Insurance: $ 100
??Car expenses: $ 100
??Utilities: $ 150
??Phone, cable, internet: $ 75
??Food, entertainment: $ 200
??Clothing, household expenses $ 0
??Credit cards and other loans: $ 650 (but hope to erase this all together)
??Other expenses: $ 100
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
436007
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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:
| 16.93% - 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-1996 |
Debt/Income ratio:
| 32% |
Basic (1-10):
| 5 |
Inquiries last 6m:
| 1 | Employment status: | Full-time employee |
Enhanced (1-5): | 3 |
Current / open credit lines:
| 7
/
5 | Length of status: | 4y 7m |
Credit score:
| 640-659 (Jul-2010) |
Total credit lines:
| 12 |
Occupation: | Clerical |
Now delinquent:
| 0 |
Revolving credit balance:
| $8,266 | Stated income: | $1-$24,999 |
Amount delinquent:
| $0 |
Bankcard utilization:
| 94% | | |
Public records last 12m / 10y:
| 0/ 1 |
Homeownership:
| No | | |
Delinquencies in last 7y:
| 0 | | | | |
Screen name:
| worldly-kindness814 |
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
Breaking even
Purpose of loan:
To pay of outstanding credit cards and finally get me head above water.
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
445961
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount:
| $12,000.00 |
Prosper Rating:
| HR |
Auction Duration:
| 7 days
|
Term:
| 36 months |
Estimated loss:
| 18.0% | | |
| | |
|
Starting lender yield:
| 16.93% |
Starting borrower rate/APR:
| 17.93% / 20.14% |
Starting monthly payment:
| $433.41 |
|
Auction yield range:
| 16.93% - 16.93% |
Estimated loss impact:
| 18.93% | | |
Lender servicing fee:
| 1.00% |
Estimated return:
| -2.00% | | |
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper scores:
| |
First credit line:
| Dec-1998 |
Debt/Income ratio:
| 37% |
Basic (1-10):
| 5 |
Inquiries last 6m:
| 1 | Employment status: | Full-time employee |
Enhanced (1-5): | 4 |
Current / open credit lines:
| 7
/
7 | Length of status: | 4y 1m |
Credit score:
| 660-679 (Jul-2010) |
Total credit lines:
| 15 |
Occupation: | Other |
Now delinquent:
| 0 |
Revolving credit balance:
| $13,387 | Stated income: | $25,000-$49,999 |
Amount delinquent:
| $0 |
Bankcard utilization:
| 69% | | |
Public records last 12m / 10y:
| 0/ 1 |
Homeownership:
| No | | |
Delinquencies in last 7y:
| 0 | | | | |
Screen name:
| impressive-dough2 |
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
Business Expansion
Purpose of loan:
This loan will be used to procure additional advertising in new areas and allow for expansion of current business.? We are moving to a larger commercial site in a heavily trafficked area.?
My financial situation:
I am a good candidate for this loan because our business has increased by at least 30% every year since 2006.
Monthly net income: $ 4000.
Monthly expenses: $
2559
??Housing: $
1040.
??Insurance: $
87.
??Car expenses: $
502.
??Utilities: $
170
??Phone, cable, internet: $
200.
??Food, entertainment: $
500.
??Clothing, household expenses $
40.
??Credit cards and other loans: $
??Other expenses: $
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
455871
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount:
| $1,000.00 |
Prosper Rating:
| C |
Auction Duration:
| 7 days
|
Term:
| 36 months |
Estimated loss:
| 8.0% | | |
| | |
|
Starting lender yield:
| 21.63% |
Starting borrower rate/APR:
| 22.63% / 26.48% |
Starting monthly payment:
| $38.52 |
|
Auction yield range:
| 7.93% - 21.63% |
Estimated loss impact:
| 8.51% | | |
Lender servicing fee:
| 1.00% |
Estimated return:
| 13.12% | | |
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-2005 |
Debt/Income ratio:
| Not calculated |
Basic (1-10):
| 8 |
Inquiries last 6m:
| 2 | Employment status: | Full-time employee |
Enhanced (1-5): | 3 |
Current / open credit lines:
| 3
/
3 | Length of status: | 5y 1m |
Credit score:
| 700-719 (Jul-2010) |
Total credit lines:
| 3 |
Occupation: | Sales - Retail |
Now delinquent:
| 0 |
Revolving credit balance:
| $154 | Stated income: | $25,000-$49,999 |
Amount delinquent:
| $0 |
Bankcard utilization:
| 2% | | |
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| No | | |
Delinquencies in last 7y:
| 0 | | | | |
Screen name:
| AFriendInNeed3794 |
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
Improve My Credit, Pay Off Old Tax
Purpose of loan:
This loan will be used to pay back taxes I owe to the IRS.? Also, I would like to a loan to further improve my credit score.
My financial situation:
I am a good candidate for this loan because I am currently debt free, not including what I owe to the IRS. Through proper money management, I have gone from having my credit cards maxed out to not having any credit debt; in just four month.? I always pay my bills on time, and have worked full time at my job for?over?five years.? I am very careful with my money and only buy what I need. As you can see below, I live well within my means.? Also, I have helped fund several loans on Propser.
Monthly net income: $
2,200
Monthly expenses: $
??Housing: $ 595
??Insurance: $ 75 (Car)
??Car expenses: $ 70 (Gas)
??Utilities: $ 70
??Phone, cable, internet: $ 30 (For phone, I don't have cable or internet)
??Food, entertainment: $ 120
??Clothing, household expenses $ 100
??Credit cards and other loans: $ 0
??Other expenses: $ 0
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
458529
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount:
| $7,000.00 |
Prosper Rating:
| HR |
Auction Duration:
| 7 days
|
Term:
| 36 months |
Estimated loss:
| 25.0% | | |
| | |
|
Starting lender yield:
| 34.00% |
Starting borrower rate/APR:
| 35.00% / 37.45% |
Starting monthly payment:
| $316.65 |
|
Auction yield range:
| 16.93% - 34.00% |
Estimated loss impact:
| 27.01% | | |
Lender servicing fee:
| 1.00% |
Estimated return:
| 6.99% | | |
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper scores:
| |
First credit line:
| May-1999 |
Debt/Income ratio:
| 46% |
Basic (1-10):
| 2 |
Inquiries last 6m:
| 4 | Employment status: | Full-time employee |
Enhanced (1-5): | 2 |
Current / open credit lines:
| 15
/
13 | Length of status: | 20y 8m |
Credit score:
| 640-659 (Jun-2010) |
Total credit lines:
| 38 |
Occupation: | Nurse (LPN) |
Now delinquent:
| 0 |
Revolving credit balance:
| $9,982 | Stated income: | $25,000-$49,999 |
Amount delinquent:
| $0 |
Bankcard utilization:
| 93% | | |
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| Yes | | |
Delinquencies in last 7y:
| 0 | | | | |
Screen name:
| Fury440 |
Borrower's state:
| Missouri |
Borrower's group:
| Vets helping Vets |
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan history | Payment history | Credit score history |
Active / total loans:
| 1 / 1 |
On-time:
| 28 ( 97% )
| 640-659 (Latest)
|
Principal borrowed:
| $5,000.00 | < 31 days late:
| 0
( 0% )
| 640-659
(Mar-2010)
660-679
(Jan-2010)
640-659
(Jan-2008)
660-679
(Oct-2007)
|
Principal balance:
| $1,058.89 |
31+ days late:
| 1
( 3% )
|
Total payments billed:
| 29 | | |
Description
debt consolidation
Purpose of loan:
This loan will be used to Consolidate some of my unsecured debt and reduce what I have going out by about $200.00 a month
My financial situation:
I am a good candidate for this loan because?I currently have a prosper loan that will be paid off in 7 months or less. (will be paid off with funds from this loan)?I am steady and secure in my present employment with over 20 years service to the State of Missouri vested. We now own 2 homes. One in Higginsville with a value of approx 70k. <30k owed. The new home we bought last year for 54K and was a foreclosure. 2007 appraisal was for 105K. My wife is now a nurse too and presently bringing home a little more than $1000.00 every 2 weeks
Monthly net income: $ 3300.00 Myself, $2000.00 wife
Monthly expenses: $ 3108.00
??Housing: $ 890.00 (2 homes)
??Insurance: $ 194.00 (cars)
??Car expenses: $ 504.00 (2009 Nissan Murano)
??Utilities: $ 200.00
??Phone, cable, internet: $ 260.00
??Food, entertainment: $300.00
??Clothing, household expenses $ 100.00
??Credit cards and other loans: $ 300.00
??Other expenses: $ 350.00 (child support) Son is now 19 but attending Devry. Should graduate Feb, 2011
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
458783
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount:
| $3,500.00 |
Prosper Rating:
| D |
Auction Duration:
| 7 days
|
Term:
| 36 months |
Estimated loss:
| 10.0% | | |
| | |
|
Starting lender yield:
| 25.33% |
Starting borrower rate/APR:
| 26.33% / 28.65% |
Starting monthly payment:
| $141.63 |
|
Auction yield range:
| 10.93% - 25.33% |
Estimated loss impact:
| 10.63% | | |
Lender servicing fee:
| 1.00% |
Estimated return:
| 14.70% | | |
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:
| Feb-1985 |
Debt/Income ratio:
| 28% |
Basic (1-10):
| 7 |
Inquiries last 6m:
| 1 | Employment status: | Retired |
Enhanced (1-5): | 2 |
Current / open credit lines:
| 7
/
7 | Length of status: | 2y 1m |
Credit score:
| 700-719 (Jul-2010) |
Total credit lines:
| 22 | Stated income: | $25,000-$49,999 |
Now delinquent:
| 0 |
Revolving credit balance:
| $53,674 | |
Amount delinquent:
| $0 |
Bankcard utilization:
| 76% | | |
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| Yes | | |
Delinquencies in last 7y:
| 0 | | | | |
Screen name:
| worlds-best-power6 |
Borrower's state:
| Michigan |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Description
WEDDING
Purpose of loan:
This loan will be used to?
wedding
My financial situation:
I am a good candidate for this loan because?
As you can see I pay on time.??In the past I did fall behind once or twice but still paid the bill in full.
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
465825
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount:
| $7,500.00 |
Prosper Rating:
| HR |
Auction Duration:
| 7 days
|
Term:
| 36 months |
Estimated loss:
| 18.0% | | |
| | |
|
Starting lender yield:
| 16.93% |
Starting borrower rate/APR:
| 17.93% / 20.14% |
Starting monthly payment:
| $270.88 |
|
Auction yield range:
| 16.93% - 16.93% |
Estimated loss impact:
| 18.93% | | |
Lender servicing fee:
| 1.00% |
Estimated return:
| -2.00% | | |
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper scores:
| |
First credit line:
| Oct-1997 |
Debt/Income ratio:
| 33% |
Basic (1-10):
| 4 |
Inquiries last 6m:
| 0 | Employment status: | Full-time employee |
Enhanced (1-5): | 5 |
Current / open credit lines:
| 8
/
8 | Length of status: | 3y 7m |
Credit score:
| 640-659 (Jul-2010) |
Total credit lines:
| 15 |
Occupation: | Professional |
Now delinquent:
| 0 |
Revolving credit balance:
| $12,277 | Stated income: | $25,000-$49,999 |
Amount delinquent:
| $0 |
Bankcard utilization:
| 99% | | |
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| No | | |
Delinquencies in last 7y:
| 0 | | | | |
Screen name:
| wise-genuine-velocity |
Borrower's state:
| Wisconsin |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Description
Need to get through Fall
Purpose of loan:
This loan will be used to pay off some miscellaneous debt I have. (Medical bills, loans, etc.)
My financial situation: In the past 6 months, my parents have had a heart attack, cancer and three strokes. I'm an only child and have no other family in the midwest to help take care of them. In the same timeframe, my son was diagnosed with Autism which has taken up more time than I could afford to straighten out what we needed to do for his plan (20+ hours a week). Since I have the flexible schedule, most of this time was on me. Now things have calmed down and I am rebuilding my pipeline. I don't expect this loan to be long term, however, the next few months are crucial to get things paid off. My credit score isn't ideal because in college I had a job as a teller and they gave me a credit card simply because I worked there. At 17 I had no business having a card with a $3k limit. That snowballed me on to other credit problems, etc. Now I'm in a stable job with a wife and kids - a totally different picture.
I am a good candidate for this loan because I understand how debt works and can use it effectively to improve my situation. I will either maintain my current income level or it will increase dramatically within 4-5 months.
Monthly net income: ~$3612
Monthly "normal" expenses: $ 2854
?? I have every bill/expense itemized on an excel spreadsheet (I am pretty meticulous about this), but I won't put this here.
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
465953
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount:
| $5,000.00 |
Prosper Rating:
| C |
Auction Duration:
| 7 days
|
Term:
| 36 months |
Estimated loss:
| 8.5% | | |
| | |
|
Starting lender yield:
| 22.51% |
Starting borrower rate/APR:
| 23.51% / 25.79% |
Starting monthly payment:
| $194.88 |
|
Auction yield range:
| 7.93% - 22.51% |
Estimated loss impact:
| 9.03% | | |
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:
| Feb-1978 |
Debt/Income ratio:
| 100% |
Basic (1-10):
| 5 |
Inquiries last 6m:
| 3 | Employment status: | Full-time employee |
Enhanced (1-5): | 2 |
Current / open credit lines:
| 19
/
12 | Length of status: | 2y 8m |
Credit score:
| 760-779 (Jul-2010) |
Total credit lines:
| 42 |
Occupation: | Laborer |
Now delinquent:
| 0 |
Revolving credit balance:
| $20,451 | Stated income: | $1-$24,999 |
Amount delinquent:
| $0 |
Bankcard utilization:
| 30% | | |
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| No | | |
Delinquencies in last 7y:
| 0 | | | | |
Screen name:
| excellent-bid9 |
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
Pay Off high intrest credit card
Purpose of loan:
This loan will be used to?Pay Off a High intrest credit card balance?
My financial situation:
I am a good candidate for this loan because?Fairly good credit history?
Monthly net income: $ 1700.00 to 1800.00
Monthly expenses: $
??Housing: $ 550.00
??Insurance: $ 50.00
??Car expenses: $159.00
??Utilities: $ 80.00
??Phone, cable, internet: $125.00
??Food, entertainment: $ 100.00
??Clothing, household expenses $ 20.00?
??Credit cards and other loans: $300.00
??Other expenses: $
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
466511
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount:
| $15,000.00 |
Prosper Rating:
| AA |
Auction Duration:
| 7 days
|
Term:
| 36 months |
Estimated loss:
| 1.5% | | |
| | |
|
Starting lender yield:
| 10.00% |
Starting borrower rate/APR:
| 11.00% / 11.35% |
Starting monthly payment:
| $491.08 |
|
Auction yield range:
| 2.93% - 10.00% |
Estimated loss impact:
| 1.51% | | |
Lender servicing fee:
| 1.00% |
Estimated return:
| 8.49% | | |
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:
| May-1991 |
Debt/Income ratio:
| 25% |
Basic (1-10):
| 9 |
Inquiries last 6m:
| 0 | Employment status: | Full-time employee |
Enhanced (1-5): | 5 |
Current / open credit lines:
| 12
/
12 | Length of status: | 5y 2m |
Credit score:
| 820-839 (Jul-2010) |
Total credit lines:
| 29 |
Occupation: | Computer Programmer |
Now delinquent:
| 0 |
Revolving credit balance:
| $13,733 | Stated income: | $75,000-$99,999 |
Amount delinquent:
| $0 |
Bankcard utilization:
| 25% | | |
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| Yes | | |
Delinquencies in last 7y:
| 0 | | | | |
Screen name:
| dikamon |
Borrower's state:
| Maryland |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Description
Paying off cc and doctor bills
Purpose of loan:
Need this loan to make headway on paying off CC as well as some outstanding doctor bills.? I have 2 CC totaling about 15000 as of 6/2010.?
My financial situation:
My financial situation is solid.? I'm fully employed and am in no danger of losing my job.? I am more than capable of paying off the credit cards over time but by my estimation it will cost me more in the long run at 16%.? I make a decent living as a government contractor but live in a high standard of living area.? Other personal loans are unavailable to me due to my home value being underwater.
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
466769
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount:
| $10,000.00 |
Prosper Rating:
| HR |
Auction Duration:
| 7 days
|
Term:
| 36 months |
Estimated loss:
| 18.0% | | |
| | |
|
Starting lender yield:
| 34.00% |
Starting borrower rate/APR:
| 35.00% / 37.45% |
Starting monthly payment:
| $452.36 |
|
Auction yield range:
| 16.93% - 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-1999 |
Debt/Income ratio:
| Not calculated |
Basic (1-10):
| 4 |
Inquiries last 6m:
| 1 | Employment status: | Full-time employee |
Enhanced (1-5): | 4 |
Current / open credit lines:
| 15
/
13 | Length of status: | 2y 4m |
Credit score:
| 740-759 (Jul-2010) |
Total credit lines:
| 33 |
Occupation: | Skilled Labor |
Now delinquent:
| 0 |
Revolving credit balance:
| $1,980 | Stated income: | $50,000-$74,999 |
Amount delinquent:
| $0 |
Bankcard utilization:
| 0% | | |
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| No | | |
Delinquencies in last 7y:
| 0 | | | | |
Screen name:
| kind-basis-mulberry |
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
Finish off the Basement
Purpose of loan:? I will be using the funds from this loan to finish off the basement in the new house I just recently purchased.? The home is a beautiful brand new townhome and the only thing that it is lacking is a finished basement.? There will be many benefits to finishing the basement off which include: more living space, additional finished storage area, and increased value to the home.
My financial situation:? I am a good candidate for this loan because I have always paid my bills on time or early for that fact...which my credit reflects.? I have worked really hard all my life to to get what I want and at the same time making sure that I can afford everything I want.? I realize that my credit controls pretty much everything in my life.? I like the fact that I can get a short loan term of 3 years using your website.? A good friend of mine had heard great things about this site and suggested that I give it a try...so here I am.? I am hoping for a great experience so I will have an?avenue to take again for future projects.
Financials:? I make approximately $6,000 a month as a nuclear technician and my aggregate bills total less than $1,800 a month including my new mortgage.
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
466781
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount:
| $12,000.00 |
Prosper Rating:
| C |
Auction Duration:
| 7 days
|
Term:
| 36 months |
Estimated loss:
| 7.0% | | |
| | |
|
Starting lender yield:
| 8.00% |
Starting borrower rate/APR:
| 9.00% / 11.09% |
Starting monthly payment:
| $381.60 |
|
Auction yield range:
| 7.93% - 8.00% |
Estimated loss impact:
| 7.16% | | |
Lender servicing fee:
| 1.00% |
Estimated return:
| 0.84% | | |
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:
| Jun-1984 |
Debt/Income ratio:
| 31% |
Basic (1-10):
| 7 |
Inquiries last 6m:
| 3 | Employment status: | Full-time employee |
Enhanced (1-5): | 3 |
Current / open credit lines:
| 24
/
23 | Length of status: | 6y 11m |
Credit score:
| 780-799 (Jul-2010) |
Total credit lines:
| 50 |
Occupation: | Professional |
Now delinquent:
| 0 |
Revolving credit balance:
| $21,727 | Stated income: | $100,000+ |
Amount delinquent:
| $0 |
Bankcard utilization:
| 23% | | |
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| Yes | | |
Delinquencies in last 7y:
| 0 | | | | |
Screen name:
| GTD1 |
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
Property Investor Seeking Capital
Purpose
of loan: This loan will be used toward the purchase of an investment
property.??8 months ago, I made an offer on this property.?The
home foreclosed and is now selling for $14000 less than its original price.?This will be my 4th investment
property purchased in 10 years.?I respect the system Prosper has created
and feel privileged to repay funds borrowed, with interest, to the individuals
who support my property investment strategy.
My
financial situation: I am a good candidate for this loan because I am an experienced
property investor. My investment portfolio can assist with the new property payments
but that is not my goal.?The new property alone is aligned to sustain all
expenses as well as this Prosper loan payment. I work in the health/tech sector
and I have been employed with the same company for over 6 years.?My
discipline in always paying bills on time has allowed me to maintain a high credit
score. I am already pre-approved for the mortgage amount for this investment
property.
Personal
Employment Monthly net income: $6036?
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
466823
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount:
| $5,000.00 |
Prosper Rating:
| AA |
Auction Duration:
| 7 days
|
Term:
| 36 months |
Estimated loss:
| 0.6% | | |
| | |
|
Starting lender yield:
| 6.10% |
Starting borrower rate/APR:
| 7.10% / 7.44% |
Starting monthly payment:
| $154.61 |
|
Auction yield range:
| 2.93% - 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:
| Nov-1979 |
Debt/Income ratio:
| 16% |
Basic (1-10):
| 10 |
Inquiries last 6m:
| 0 | Employment status: | Full-time employee |
Enhanced (1-5): | 5 |
Current / open credit lines:
| 14
/
13 | Length of status: | 19y 3m |
Credit score:
| 780-799 (Jul-2010) |
Total credit lines:
| 26 |
Occupation: | Professional |
Now delinquent:
| 0 |
Revolving credit balance:
| $22,316 | Stated income: | $100,000+ |
Amount delinquent:
| $0 |
Bankcard utilization:
| 26% | | |
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| Yes | | |
Delinquencies in last 7y:
| 0 | | | | |
Screen name:
| inspiring-bill |
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:
| 6 ( 100% )
| 780-799 (Latest)
|
Principal borrowed:
| $23,000.00 | < 31 days late:
| 0
( 0% )
| 780-799
(Dec-2009)
|
Principal balance:
| $19,728.84 |
31+ days late:
| 0
( 0% )
|
Total payments billed:
| 6 | | |
Description
Final Consolidation!!
Purpose of loan:
This loan will be used to?complete consolidation of the rest of my bills which consists of a few credit cards and my daughter's education.???
My financial situation:
I am a good candidate for this loan because? I pay my bills but they have added up over the years. My first Prosper Loan did not initially cover all my bills which included education for my daugther.?This will allow me to tie up these bills and pay them off in the next few years as I get my plan rolling in preparation of future?retirement.
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
466829
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount:
| $7,000.00 |
Prosper Rating:
| B |
Auction Duration:
| 7 days
|
Term:
| 36 months |
Estimated loss:
| 5.0% | | |
| | |
|
Starting lender yield:
| 12.85% |
Starting borrower rate/APR:
| 13.85% / 16.01% |
Starting monthly payment:
| $238.73 |
|
Auction yield range:
| 5.93% - 12.85% |
Estimated loss impact:
| 5.21% | | |
Lender servicing fee:
| 1.00% |
Estimated return:
| 7.64% | | |
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper scores:
| |
First credit line:
| Jan-2005 |
Debt/Income ratio:
| 31% |
Basic (1-10):
| 8 |
Inquiries last 6m:
| 1 | Employment status: | Full-time employee |
Enhanced (1-5): | 4 |
Current / open credit lines:
| 12
/
11 | Length of status: | 6y 0m |
Credit score:
| 760-779 (Jul-2010) |
Total credit lines:
| 16 |
Occupation: | Professional |
Now delinquent:
| 0 |
Revolving credit balance:
| $4,081 | Stated income: | $25,000-$49,999 |
Amount delinquent:
| $0 |
Bankcard utilization:
| 16% | | |
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| No | | |
Delinquencies in last 7y:
| 0 | | | | |
Screen name:
| joyous-income6 |
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
BUY A HOUSE IN CASH
Purpose of loan:
This loan will be used to?
BUY A HOUSE
My financial situation:
I am a good candidate for this loan because?
I HAVE VERY GOOD WORK, RESPONSABLE AND GOOD CREDIT HISTORY
Monthly net income: $
4,000.00
Monthly expenses: $
??Housing: $ 500
??Insurance: $ 100
??Car expenses: $?370?
??Utilities: $ 100
??Phone, cable, internet: $? 100
??Food, entertainment: $? 150
lothing, household expenses $
??Credit cards and other loans: $ 200
ther expenses: $ 100
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
466847
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount:
| $3,000.00 |
Prosper Rating:
| AA |
Auction Duration:
| 7 days
|
Term:
| 36 months |
Estimated loss:
| 0.6% | | |
| | |
|
Starting lender yield:
| 6.10% |
Starting borrower rate/APR:
| 7.10% / 7.44% |
Starting monthly payment:
| $92.77 |
|
Auction yield range:
| 2.93% - 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:
| Mar-1987 |
Debt/Income ratio:
| 25% |
Basic (1-10):
| 10 |
Inquiries last 6m:
| 1 | Employment status: | Retired |
Enhanced (1-5): | 4 |
Current / open credit lines:
| 14
/
13 | Length of status: | 10y 8m |
Credit score:
| 760-779 (Jul-2010) |
Total credit lines:
| 43 | Stated income: | $50,000-$74,999 |
Now delinquent:
| 0 |
Revolving credit balance:
| $26,170 | |
Amount delinquent:
| $0 |
Bankcard utilization:
| 48% | | |
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| Yes | | |
Delinquencies in last 7y:
| 0 | | | | |
Screen name:
| donenzo |
Borrower's state:
| NewYork |
Borrower's group:
| BuildingTree |
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan history | Payment history | Credit score history |
Active / total loans:
| 0 / 1 |
On-time:
| 16 ( 100% )
| 760-779 (Latest)
|
Principal borrowed:
| $1,000.00 | < 31 days late:
| 0
( 0% )
| 720-739
(Feb-2008)
740-759
(Jan-2008)
720-739
(Nov-2007)
|
Principal balance:
| $0.02 |
31+ days late:
| 0
( 0% )
|
Total payments billed:
| 16 | | |
Description
Pay 23% PayPal credit card!!
Purpose of loan:
This loan will be used to pay a 23% PayPal credit card.
My financial situation:
I am a good candidate for this loan because as you can see i was never late on a payment on my last loan or any other payments for that matter.
Monthly net income: $
$6000
Monthly expenses: $
??Housing: $
1500
??Insurance: $
164
??Car expenses: $
0
??Utilities: $
225
??Phone, cable, internet: $
150
??Food, entertainment: $
200
??Clothing, household expenses $
200
??Credit cards and other loans: $
1500
??Other expenses: $
500
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
466871
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount:
| $4,000.00 |
Prosper Rating:
| HR |
Auction Duration:
| 7 days
|
Term:
| 36 months |
Estimated loss:
| 34.5% | | |
| | |
|
Starting lender yield:
| 34.00% |
Starting borrower rate/APR:
| 35.00% / 37.45% |
Starting monthly payment:
| $180.94 |
|
Auction yield range:
| 16.93% - 34.00% |
Estimated loss impact:
| 36.51% | | |
Lender servicing fee:
| 1.00% |
Estimated return:
| -2.51% | | |
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper scores:
| |
First credit line:
| Aug-1984 |
Debt/Income ratio:
| 31% |
Basic (1-10):
| 1 |
Inquiries last 6m:
| 3 | Employment status: | Retired |
Enhanced (1-5): | 2 |
Current / open credit lines:
| 5
/
6 | Length of status: | 11y 5m |
Credit score:
| 700-719 (Jul-2010) |
Total credit lines:
| 16 | Stated income: | $50,000-$74,999 |
Now delinquent:
| 1 |
Revolving credit balance:
| $218 | |
Amount delinquent:
| $1,382 |
Bankcard utilization:
| 0% | | |
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| Yes | | |
Delinquencies in last 7y:
| 0 | | | | |
Screen name:
| diplomatic-gain4 |
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
Loan to lower my monthly expenses
Purpose of loan: My name is J.? I have been married for 45 years with 3 children.? My husband and I were very dedicated hard-working people who are now retired from our respective employers.? Since our retirement, we have made many living adjustments to accommodate our current income status. ?I was referred to Prosper by my son and daughter-in-law who successfully paid off their loan. ?I am requesting?this loan to consolidate other debt and?lower my payments based on the loan calculator even if I got a higher interest rate. ?My financial situation: My?monthly income is $2300 and my husband?s monthly income is $2300.? We take care of my?mother who lives with us and her monthly income is $600. ?Monthly Gross Income:$5200 / Monthly Expenses: $3700. ?Housing: $1382, Insurance: $300, Car expenses: $1002,?Utilities: $300, Phone, cable, internet: $150, Food, entertainment: $300, Clothing, Household Expenses: $50,?Other expenses: $200. ?We have a net income of $1500 after all expenses.
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
466883
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount:
| $23,000.00 |
Prosper Rating:
| D |
Auction Duration:
| 7 days
|
Term:
| 36 months |
Estimated loss:
| 10.0% | | |
| | |
|
Starting lender yield:
| 10.93% |
Starting borrower rate/APR:
| 11.93% / 14.06% |
Starting monthly payment:
| $763.16 |
|
Auction yield range:
| 10.93% - 10.93% |
Estimated loss impact:
| 10.23% | | |
Lender servicing fee:
| 1.00% |
Estimated return:
| 0.70% | | |
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper scores:
| |
First credit line:
| Nov-1996 |
Debt/Income ratio:
| 30% |
Basic (1-10):
| 7 |
Inquiries last 6m:
| 0 | Employment status: | Full-time employee |
Enhanced (1-5): | 5 |
Current / open credit lines:
| 10
/
9 | Length of status: | 8y 6m |
Credit score:
| 700-719 (Jul-2010) |
Total credit lines:
| 25 |
Occupation: | Professional |
Now delinquent:
| 0 |
Revolving credit balance:
| $14,250 | Stated income: | $75,000-$99,999 |
Amount delinquent:
| $0 |
Bankcard utilization:
| 42% | | |
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| No | | |
Delinquencies in last 7y:
| 0 | | | | |
Screen name:
| exchange-kangaroo |
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
Credit Card Payment
Purpose of loan:
Combine credit cards?together for?repayment.?
My financial situation:
I work as an international manager?with the same company for nearly a decade.? Company has existed for over 100 years. I make on time payments and my goal is to pay down the credit card debt within 3 years or sooner.?
Monthly net income: $ 5,000
Monthly expense Total: $ 3000
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
466895
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount:
| $4,000.00 |
Prosper Rating:
| C |
Auction Duration:
| 7 days
|
Term:
| 36 months |
Estimated loss:
| 8.0% | | |
| | |
|
Starting lender yield:
| 21.63% |
Starting borrower rate/APR:
| 22.63% / 24.90% |
Starting monthly payment:
| $154.07 |
|
Auction yield range:
| 7.93% - 21.63% |
Estimated loss impact:
| 8.51% | | |
Lender servicing fee:
| 1.00% |
Estimated return:
| 13.12% | | |
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:
| Jul-1995 |
Debt/Income ratio:
| Not calculated |
Basic (1-10):
| 8 |
Inquiries last 6m:
| 0 | Employment status: | Part-time employee |
Enhanced (1-5): | 3 |
Current / open credit lines:
| 6
/
4 | Length of status: | 0y 3m |
Credit score:
| 700-719 (Jul-2010) |
Total credit lines:
| 29 |
Occupation: | Retail Management |
Now delinquent:
| 0 |
Revolving credit balance:
| $51,610 | Stated income: | $1-$24,999 |
Amount delinquent:
| $0 |
Bankcard utilization:
| 89% | | |
Public records last 12m / 10y:
| 0/ 1 |
Homeownership:
| No | | |
Delinquencies in last 7y:
| 0 | | | | |
Screen name:
| mighty-income116 |
Borrower's state:
| Georgia |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Description
Paying off debt and car
Purpose of loan:
This loan will be used to?
My financial situation:
I am a good candidate for this loan because? Revolving cr bal is high because $50000. is a Heloc on $260,000.00 house which i own.
Monthly net income: $ 2000
Monthly expenses: $
??Housing: $ 400
??Insurance: $ 100
??Car expenses: $ 100
??Utilities: $ 150
??Phone, cable, internet: $ 120
??Food, entertainment: $ 100
??Clothing, household expenses $ 50
??Credit cards and other loans: $25
??Other expenses: $ *
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
466901
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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:
| 17.00% |
Starting borrower rate/APR:
| 18.00% / 20.46% |
Starting monthly payment:
| $54.23 |
|
Auction yield range:
| 16.93% - 17.00% |
Estimated loss impact:
| 18.94% | | |
Lender servicing fee:
| 1.00% |
Estimated return:
| -1.94% | | |
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper scores:
| |
First credit line:
| Mar-1987 |
Debt/Income ratio:
| Self-employed (DTI Not Calculated) |
Basic (1-10):
| 5 |
Inquiries last 6m:
| 2 | Employment status: | Self-employed |
Enhanced (1-5): | 2 |
Current / open credit lines:
| 4
/
4 | Length of status: | 13y 5m |
Credit score:
| 700-719 (Jul-2010) |
Total credit lines:
| 12 |
Occupation: | Other |
Now delinquent:
| 1 |
Revolving credit balance:
| $2,944 | Stated income: | $25,000-$49,999 |
Amount delinquent:
| $461 |
Bankcard utilization:
| 79% | | |
Public records last 12m / 10y:
| 0/ 2 |
Homeownership:
| No | | |
Delinquencies in last 7y:
| 0 | | | | |
Screen name:
| uowemenow |
Borrower's state:
| NorthCarolina |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Description
paying for college expense for son
Purpose of loan:
This loan will be used to? student use
My financial situation:
I am a good candidate for this loan because? I care about my credit
Monthly net income: $
35000.
Monthly expenses: $
??Housing: $ 461
??Insurance: $ 35.
??Car expenses: $
??Utilities: $ 100.
??Phone, cable, internet: $ 100.
??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
466943
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount:
| $2,000.00 |
Prosper Rating:
| AA |
Auction Duration:
| 7 days
|
Term:
| 36 months |
Estimated loss:
| 0.6% | | |
| | |
|
Starting lender yield:
| 6.08% |
Starting borrower rate/APR:
| 7.08% / 7.42% |
Starting monthly payment:
| $61.83 |
|
Auction yield range:
| 2.93% - 6.08% |
Estimated loss impact:
| 0.60% | | |
Lender servicing fee:
| 1.00% |
Estimated return:
| 5.48% | | |
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:
| Nov-1984 |
Debt/Income ratio:
| 26% |
Basic (1-10):
| 10 |
Inquiries last 6m:
| 0 | Employment status: | Full-time employee |
Enhanced (1-5): | 3 |
Current / open credit lines:
| 26
/
26 | Length of status: | 27y 9m |
Credit score:
| 740-759 (Jul-2010) |
Total credit lines:
| 54 |
Occupation: | Postal Service |
Now delinquent:
| 0 |
Revolving credit balance:
| $195,956 | Stated income: | $100,000+ |
Amount delinquent:
| $0 |
Bankcard utilization:
| 92% | | |
Public records last 12m / 10y:
| 0/ 1 |
Homeownership:
| Yes | | |
Delinquencies in last 7y:
| 0 | | | | |
Screen name:
| velocity-booster |
Borrower's state:
| Connecticut |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Description
Clemson Grad Dad
Purpose of loan:
This loan will be used to?
Consolidate Credit card debt from Higher to lower rate.?
My financial situation:
I am a good candidate for this loan because?? Working full time as career USPS manager, 3 booked solid rental properties, kids out of college.
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
466949
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount:
| $6,900.00 |
Prosper Rating:
| 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:
| $220.06 |
|
Auction yield range:
| 3.93% - 8.20% |
Estimated loss impact:
| 2.12% | | |
Lender servicing fee:
| 1.00% |
Estimated return:
| 6.08% | | |
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper scores:
| |
First credit line:
| May-1991 |
Debt/Income ratio:
| 10% |
Basic (1-10):
| 8 |
Inquiries last 6m:
| 1 | Employment status: | Full-time employee |
Enhanced (1-5): | 4 |
Current / open credit lines:
| 10
/
10 | Length of status: | 4y 11m |
Credit score:
| 760-779 (Jul-2010) |
Total credit lines:
| 24 |
Occupation: | Computer Programmer |
Now delinquent:
| 0 |
Revolving credit balance:
| $58,388 | Stated income: | $100,000+ |
Amount delinquent:
| $0 |
Bankcard utilization:
| 78% | | |
Public records last 12m / 10y:
| 0/ 1 |
Homeownership:
| Yes | | |
Delinquencies in last 7y:
| 0 | | | | |
Screen name:
| nodebtin3 |
Borrower's state:
| Utah |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Description
Pay off high interest credit card
Purpose of loan:
This loan will be used to pay off high interest credit card that is over 20% interest rate.
My financial situation:
I am a good candidate for this loan because I have a good job and make great money. Making payments is not the issue it is the interest rate that I cannot live with on that card!
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
466967
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount:
| $25,000.00 |
Prosper Rating:
| HR |
Auction Duration:
| 7 days
|
Term:
| 36 months |
Estimated loss:
| 18.0% | | |
| | |
|
Starting lender yield:
| 34.00% |
Starting borrower rate/APR:
| 35.00% / 37.45% |
Starting monthly payment:
| $1,130.90 |
|
Auction yield range:
| 16.93% - 34.00% |
Estimated loss impact:
| 20.01% | | |
Lender servicing fee:
| 1.00% |
Estimated return:
| 13.99% | | |
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper scores:
| |
First credit line:
| Aug-2000 |
Debt/Income ratio:
| 64% |
Basic (1-10):
| 4 |
Inquiries last 6m:
| 0 | Employment status: | Full-time employee |
Enhanced (1-5): | 4 |
Current / open credit lines:
| 15
/
13 | Length of status: | 1y 10m |
Credit score:
| 680-699 (Jul-2010) |
Total credit lines:
| 29 |
Occupation: | Other |
Now delinquent:
| 0 |
Revolving credit balance:
| $21,128 | Stated income: | $25,000-$49,999 |
Amount delinquent:
| $0 |
Bankcard utilization:
| 85% | | |
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| No | | |
Delinquencies in last 7y:
| 0 | | | | |
Screen name:
| radiant-balance |
Borrower's state:
| Ohio |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Description
Paying off my credit cards
Purpose of loan:
This loan will be used to pay off my high interest credit cards.
My financial situation:
I am a good candidate for this loan because I have two steady jobs, one full time and one part time in the military.
Monthly net income: $ 2,860
Monthly expenses: $
??Housing: $ 0
??Insurance: $ 0
??Car expenses: $ 0
??Utilities: $ 0
??Phone, cable, internet: $ 86
??Food, entertainment: $ 600
??Clothing, household expenses $ 0
??Credit cards and other loans: $ 1840
??Other expenses: $
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
466991
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount:
| $2,600.00 |
Prosper Rating:
| 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:
| $117.61 |
|
Auction yield range:
| 16.93% - 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-2004 |
Debt/Income ratio:
| Self-employed (DTI Not Calculated) |
Basic (1-10):
| 5 |
Inquiries last 6m:
| 2 | Employment status: | Self-employed |
Enhanced (1-5): | 3 |
Current / open credit lines:
| 6
/
6 | Length of status: | 3y 5m |
Credit score:
| 640-659 (Jul-2010) |
Total credit lines:
| 9 |
Occupation: | Other |
Now delinquent:
| 0 |
Revolving credit balance:
| $1,509 | Stated income: | $25,000-$49,999 |
Amount delinquent:
| $0 |
Bankcard utilization:
| 11% | | |
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| No | | |
Delinquencies in last 7y:
| 0 | | | | |
Screen name:
| exchange-guardian0 |
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
Need new furniture
Purpose of loan:
This loan will be used to?
buy new furniture ????
My financial situation:
I am a good candidate for this loan because?
prompt payments, no bankruptcy
Monthly net income: $
3000.00
Monthly expenses: $
no monthly expenses, parents generously provide all utilities to my house, house is paid for.
??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
467005
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount:
| $1,500.00 |
Prosper Rating:
| A |
Auction Duration:
| 7 days
|
Term:
| 36 months |
Estimated loss:
| 2.1% | | |
| | |
|
Starting lender yield:
| 8.28% |
Starting borrower rate/APR:
| 9.28% / 11.62% |
Starting monthly payment:
| $47.90 |
|
Auction yield range:
| 3.93% - 8.28% |
Estimated loss impact:
| 2.12% | | |
Lender servicing fee:
| 1.00% |
Estimated return:
| 6.16% | | |
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper scores:
| |
First credit line:
| Oct-1992 |
Debt/Income ratio:
| 22% |
Basic (1-10):
| 9 |
Inquiries last 6m:
| 1 | Employment status: | Full-time employee |
Enhanced (1-5): | 3 |
Current / open credit lines:
| 4
/
3 | Length of status: | 5y 1m |
Credit score:
| 700-719 (Jun-2010) |
Total credit lines:
| 24 |
Occupation: | Sales - Commission |
Now delinquent:
| 1 |
Revolving credit balance:
| $336 | Stated income: | $25,000-$49,999 |
Amount delinquent:
| $0 |
Bankcard utilization:
| 22% | | |
Public records last 12m / 10y:
| 0/ 4 |
Homeownership:
| Yes | | |
Delinquencies in last 7y:
| 19 | | | | |
Screen name:
| friendly-silver1 |
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
home improvement
Purpose of loan:
This loan will be used to?
remodel kitchen
My financial situation:
My wife had brain surgery in 2006.? I've been paying all the bills with help from family,? My family have been helping me for the past four years,? I promised my wife before the surgery that we will get the kitchen remodled.? Things has gotten better.? I need this loan so i can do this for her.
Monthly net income: $ 2500
Monthly expenses: $
??Housing: $ 750
??Insurance: $ 70
??Car expenses: $ 389
??Utilities: $ 185
??Phone, cable, internet: $ 0 (work for cable company)
??Food, entertainment: $ 100
??Clothing, household expenses $ 100
??Credit cards and other loans: $
??Other expenses: $
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
467009
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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:
| 6.2% | | |
| | |
|
Starting lender yield:
| 8.00% |
Starting borrower rate/APR:
| 9.00% / 11.09% |
Starting monthly payment:
| $794.99 |
|
Auction yield range:
| 7.93% - 8.00% |
Estimated loss impact:
| 6.36% | | |
Lender servicing fee:
| 1.00% |
Estimated return:
| 1.64% | | |
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper scores:
| |
First credit line:
| Aug-2003 |
Debt/Income ratio:
| 9% |
Basic (1-10):
| 5 |
Inquiries last 6m:
| 2 | Employment status: | Full-time employee |
Enhanced (1-5): | 5 |
Current / open credit lines:
| 12
/
12 | Length of status: | 1y 1m |
Credit score:
| 840-859 (Jul-2010) |
Total credit lines:
| 16 |
Occupation: | Pharmacist |
Now delinquent:
| 0 |
Revolving credit balance:
| $865 | Stated income: | $100,000+ |
Amount delinquent:
| $0 |
Bankcard utilization:
| 1% | | |
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| Yes | | |
Delinquencies in last 7y:
| 0 | | | | |
Screen name:
| diversification-dreams |
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
To Purchase a House/Remodel
Purpose of loan:
purchase a house and make home improvement
My financial situation:
because I need the money for immediate closing on the house and I know that I am financially stable to pay it back
Monthly net income: $
$10,000
Monthly expenses: $
??Housing: $
500 (share)
??Insurance: $?
(100)
??Car expenses: $ (0) all paid off
??Utilities: $
Include in the Rent
??Phone, cable, internet: $
(50)
??Food, entertainment: $?
(400)
??Clothing, household expenses $
(200)
??Credit cards and other loans: $
(0)
??Other expenses: $
(0)
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
467011
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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:
| 27.33% |
Starting borrower rate/APR:
| 28.33% / 30.68% |
Starting monthly payment:
| $415.42 |
|
Auction yield range:
| 10.93% - 27.33% |
Estimated loss impact:
| 10.68% | | |
Lender servicing fee:
| 1.00% |
Estimated return:
| 16.65% | | |
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper scores:
| |
First credit line:
| Jul-1992 |
Debt/Income ratio:
| 19% |
Basic (1-10):
| 6 |
Inquiries last 6m:
| 0 | Employment status: | Full-time employee |
Enhanced (1-5): | 5 |
Current / open credit lines:
| 15
/
10 | Length of status: | 19y 4m |
Credit score:
| 740-759 (Jul-2010) |
Total credit lines:
| 39 |
Occupation: | Engineer - Mechanic... |
Now delinquent:
| 0 |
Revolving credit balance:
| $2,719 | Stated income: | $75,000-$99,999 |
Amount delinquent:
| $0 |
Bankcard utilization:
| 12% | | |
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| No | | |
Delinquencies in last 7y:
| 0 | | | | |
Screen name:
| red-visionary-income |
Borrower's state:
| Florida |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Description
Paying off old debts.
Purpose of loan: This loan will be used to consolidate all of my high-interest debts into one payment.
My financial situation: fine actually. I would rather have my interest go directly to individuals rather than to a financial institution.
I am a good candidate for this loan because I am employed full-time, have been making all of my payments on time, and want to get off of this debt treadmill once and for all.
Monthly net income: $5,000
Monthly expenses: $
??Housing: $ 1150
??Insurance: $ 250
??Car expenses: $ 500 (gas and maintenance only)
??Utilities: $ 250
??Phone, cable, internet: $
250
??Food, entertainment: $
500
??Clothing, household expenses $
200
??Credit cards and other loans: $
500
??Other expenses:?
2 dependent children still at home with me. How much in dollars? I don't really know.
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
467033
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount:
| $9,000.00 |
Prosper Rating:
| HR |
Auction Duration:
| 7 days
|
Term:
| 36 months |
Estimated loss:
| 34.5% | | |
| | |
|
Starting lender yield:
| 34.00% |
Starting borrower rate/APR:
| 35.00% / 37.45% |
Starting monthly payment:
| $407.12 |
|
Auction yield range:
| 16.93% - 34.00% |
Estimated loss impact:
| 36.51% | | |
Lender servicing fee:
| 1.00% |
Estimated return:
| -2.51% | | |
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper scores:
| |
First credit line:
| Jan-2004 |
Debt/Income ratio:
| 42% |
Basic (1-10):
| 1 |
Inquiries last 6m:
| 3 | Employment status: | Full-time employee |
Enhanced (1-5): | 1 |
Current / open credit lines:
| 10
/
8 | Length of status: | 4y 7m |
Credit score:
| 620-639 (Jul-2010) |
Total credit lines:
| 24 |
Occupation: | Truck Driver |
Now delinquent:
| 1 |
Revolving credit balance:
| $6,091 | Stated income: | $25,000-$49,999 |
Amount delinquent:
| $755 |
Bankcard utilization:
| 94% | | |
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| No | | |
Delinquencies in last 7y:
| 5 | | | | |
Screen name:
| leonvictorm |
Borrower's state:
| California |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan history | Payment history | Credit score history |
Active / total loans:
| 1 / 1 |
On-time:
| 24 ( 86% )
| 620-639 (Latest)
|
Principal borrowed:
| $2,600.00 | < 31 days late:
| 4
( 14% )
| 520-539
(Feb-2008)
520-539
(Jan-2008)
600-619
(Nov-2007)
620-639
(Jun-2007)
|
Principal balance:
| $822.21 |
31+ days late:
| 0
( 0% )
|
Total payments billed:
| 28 | | |
Description
Pay Off Debt & Finally Be Debt Free
Purpose of loan:
This loan will be used to pay off all credit card debt to improve credit score
My financial situation:
I am a good candidate for this loan because I want to improve my credit and will not default on loan
Monthly net income: $ 3800
Monthly expenses: $
??Housing: $?1000
??Insurance: $ 400
??Car expenses: $ 400
??Utilities: $ 150
??Phone, cable, internet: $?200
??Food, entertainment: $ 300
??Clothing, household expenses $ 100
??Credit cards and other loans: $ ($850 Preloan)?$815 post loan
??Other expenses: $?400 Baby on the way :)))
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
467035
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount:
| $8,000.00 |
Prosper Rating:
| HR |
Auction Duration:
| 7 days
|
Term:
| 36 months |
Estimated loss:
| 34.5% | | |
| | |
|
Starting lender yield:
| 34.00% |
Starting borrower rate/APR:
| 35.00% / 37.45% |
Starting monthly payment:
| $361.89 |
|
Auction yield range:
| 16.93% - 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:
| Nov-1997 |
Debt/Income ratio:
| 93% |
Basic (1-10):
| 1 |
Inquiries last 6m:
| 3 | Employment status: | Full-time employee |
Enhanced (1-5): | 2 |
Current / open credit lines:
| 15
/
12 | Length of status: | 8y 0m |
Credit score:
| 640-659 (Jul-2010) |
Total credit lines:
| 42 |
Occupation: | Military Enlisted |
Now delinquent:
| 1 |
Revolving credit balance:
| $11,348 | Stated income: | $25,000-$49,999 |
Amount delinquent:
| $30 |
Bankcard utilization:
| 49% | | |
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| Yes | | |
Delinquencies in last 7y:
| 9 | | | | |
Screen name:
| return-hammock5 |
Borrower's state:
| Texas |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Description
Debt Consolidation
Purpose of loan:
This loan will be used to? Pay off my current credit cards and personal loans.? Make multiple payments one.
My financial situation:
I am a good candidate for this loan because??I will set the loan up on allotment and if the lender would prefer I am willing to set up bank drafts.? I will be a member of the Armed Forces until 08-01-2014 (will be re-enlisting)?which will allow me more than enough time to ensure the debt is paid.? I have put in a Warrant Packet and even if they do not pick me up I am sure to be picked up for my E7.? If either of these thing happen, I have?an upcoming deployment scheduled for February of 2011 which will ensure extra income.
Employer:?US Army
Delinquency Explaination: My 1 current?deliquency was caused by a family emergency.? In May of 2009 my 16 year old son attempted suicide and the extra expenses for travel to the different hospitals put my finances in a spiral.
Monthly net income: $ 4062.27
Monthly expenses: $
??Housing: $ 0?(Husband?pays the mortgage)
??Insurance: $?27 to tricare and $35.00 tricare dental
??Car expenses: $ 700.00
??Utilities: $ 350.00 (lights and water)
??Phone, cable, internet: $ 200.00 (bundle)
??Food, entertainment: $ 250.00
??Clothing, household expenses $ 75.00 (clothes not purchased monthly)
??Credit cards and other loans: $ 600.00+ (currently pay over 600.00 to debts, would prefer to pay one place versus many)?
??Other expenses: $
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
467041
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount:
| $4,000.00 |
Prosper Rating:
| B |
Auction Duration:
| 7 days
|
Term:
| 36 months |
Estimated loss:
| 5.0% | | |
| | |
|
Starting lender yield:
| 12.85% |
Starting borrower rate/APR:
| 13.85% / 16.01% |
Starting monthly payment:
| $136.42 |
|
Auction yield range:
| 5.93% - 12.85% |
Estimated loss impact:
| 5.21% | | |
Lender servicing fee:
| 1.00% |
Estimated return:
| 7.64% | | |
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper scores:
| |
First credit line:
| Sep-1996 |
Debt/Income ratio:
| 32% |
Basic (1-10):
| 8 |
Inquiries last 6m:
| 1 | Employment status: | Full-time employee |
Enhanced (1-5): | 4 |
Current / open credit lines:
| 13
/
13 | Length of status: | 3y 11m |
Credit score:
| 720-739 (Jul-2010) |
Total credit lines:
| 24 |
Occupation: | Administrative Assi... |
Now delinquent:
| 0 |
Revolving credit balance:
| $7,814 | Stated income: | $25,000-$49,999 |
Amount delinquent:
| $0 |
Bankcard utilization:
| 13% | | |
Public records last 12m / 10y:
| 0/ 1 |
Homeownership:
| Yes | | |
Delinquencies in last 7y:
| 0 | | | | |
Screen name:
| thehoopwi04 |
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:
| 32 ( 100% )
| 720-739 (Latest)
|
Principal borrowed:
| $5,000.00 | < 31 days late:
| 0
( 0% )
| 680-699
(Jul-2009)
680-699
(Apr-2009)
680-699
(Oct-2007)
|
Principal balance:
| $649.48 |
31+ days late:
| 0
( 0% )
|
Total payments billed:
| 32 | | |
Description
Paying off wife school loan
Purpose of loan:
Pay off wife school loan from University of Phoenix
My financial situation:
My wife and I both work full time making about 80,000 a year total. I have a credit score of 720+ without missing a payment of any kind in the last 6 years.?
Monthly net income: $ 2100(myself) $4000(with wife)
Monthly expenses: $
??Housing: $ 1000????
??Insurance: $ 165
??Car expenses: $260
??Utilities: $ 150
??Phone, cable, internet: $ 70
??Food, entertainment: $ 350
??Clothing, household expenses $ 100
??Credit cards and other loans: $ 200
??Other expenses: $ 100
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
467047
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount:
| $25,000.00 |
Prosper Rating:
| HR |
Auction Duration:
| 7 days
|
Term:
| 36 months |
Estimated loss:
| 34.5% | | |
| | |
|
Starting lender yield:
| 34.00% |
Starting borrower rate/APR:
| 35.00% / 37.45% |
Starting monthly payment:
| $1,130.90 |
|
Auction yield range:
| 16.93% - 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-1990 |
Debt/Income ratio:
| 102% |
Basic (1-10):
| 1 |
Inquiries last 6m:
| 4 | Employment status: | Full-time employee |
Enhanced (1-5): | 1 |
Current / open credit lines:
| 15
/
15 | Length of status: | 4y 6m |
Credit score:
| 660-679 (Jul-2010) |
Total credit lines:
| 25 |
Occupation: | Other |
Now delinquent:
| 0 |
Revolving credit balance:
| $45,964 | Stated income: | $25,000-$49,999 |
Amount delinquent:
| $0 |
Bankcard utilization:
| 88% | | |
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| Yes | | |
Delinquencies in last 7y:
| 0 | | | | |
Screen name:
| blue-responsible-payment |
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
kenny's loan pay off
Purpose of loan:
This loan will be used to?
My financial situation:
I am a good candidate for this loan because?
Monthly net income: $
Monthly expenses: $
??Housing: $
??Insurance: $
??Car expenses: $
??Utilities: $
??Phone, cable, internet: $
??Food, entertainment: $
??Clothing, household expenses $
??Credit cards and other loans: $
??Other expenses: $
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
467051
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount:
| $7,500.00 |
Prosper Rating:
| HR |
Auction Duration:
| 7 days
|
Term:
| 36 months |
Estimated loss:
| 18.0% | | |
| | |
|
Starting lender yield:
| 34.00% |
Starting borrower rate/APR:
| 35.00% / 37.45% |
Starting monthly payment:
| $339.27 |
|
Auction yield range:
| 16.93% - 34.00% |
Estimated loss impact:
| 20.01% | | |
Lender servicing fee:
| 1.00% |
Estimated return:
| 13.99% | | |
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper scores:
| |
First credit line:
| Oct-1996 |
Debt/Income ratio:
| Self-employed (DTI Not Calculated) |
Basic (1-10):
| 3 |
Inquiries last 6m:
| 2 | Employment status: | Self-employed |
Enhanced (1-5): | 3 |
Current / open credit lines:
| 17
/
15 | Length of status: | 2y 0m |
Credit score:
| 740-759 (Jul-2010) |
Total credit lines:
| 28 |
Occupation: | Tradesman - Mechani... |
Now delinquent:
| 1 |
Revolving credit balance:
| $10,230 | Stated income: | $25,000-$49,999 |
Amount delinquent:
| $1,711 |
Bankcard utilization:
| 18% | | |
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| Yes | | |
Delinquencies in last 7y:
| 3 | | | | |
Screen name:
| restless-pound2 |
Borrower's state:
| NewJersey |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Description
My loan for 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
467057
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount:
| $1,500.00 |
Prosper Rating:
| A |
Auction Duration:
| 7 days
|
Term:
| 36 months |
Estimated loss:
| 2.1% | | |
| | |
|
Starting lender yield:
| 8.28% |
Starting borrower rate/APR:
| 9.28% / 11.62% |
Starting monthly payment:
| $47.90 |
|
Auction yield range:
| 3.93% - 8.28% |
Estimated loss impact:
| 2.12% | | |
Lender servicing fee:
| 1.00% |
Estimated return:
| 6.16% | | |
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper scores:
| |
First credit line:
| Jul-1991 |
Debt/Income ratio:
| Not calculated |
Basic (1-10):
| 9 |
Inquiries last 6m:
| 0 | Employment status: | Not employed |
Enhanced (1-5): | 5 |
Current / open credit lines:
| 5
/
5 | Length of status: | 1y 3m |
Credit score:
| 780-799 (Jul-2010) |
Total credit lines:
| 17 | Stated income: | Not employed |
Now delinquent:
| 0 |
Revolving credit balance:
| $1,109 | |
Amount delinquent:
| $0 |
Bankcard utilization:
| 8% | | |
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| No | | |
Delinquencies in last 7y:
| 0 | | | | |
Screen name:
| appetizing-contract9 |
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
Home renovation
Purpose of loan:
Needed home renovation badly. I am working freelance with a fashion designer paying $1,000 a week so i will be able to pay this loan back prompt and on time.
My financial situation:
I am a good candidate for this loan because i am responsible as you can see my credit and i will be responsible with this one as well. I am in dire need of it so i will not let you down.
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
467063
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount:
| $10,000.00 |
Prosper Rating:
| A |
Auction Duration:
| 7 days
|
Term:
| 36 months |
Estimated loss:
| 2.1% | | |
| | |
|
Starting lender yield:
| 9.20% |
Starting borrower rate/APR:
| 10.20% / 12.31% |
Starting monthly payment:
| $323.61 |
|
Auction yield range:
| 3.93% - 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:
| Apr-2000 |
Debt/Income ratio:
| 13% |
Basic (1-10):
| 8 |
Inquiries last 6m:
| 0 | Employment status: | Full-time employee |
Enhanced (1-5): | 5 |
Current / open credit lines:
| 3
/
3 | Length of status: | 1y 10m |
Credit score:
| 780-799 (Jul-2010) |
Total credit lines:
| 7 |
Occupation: | Teacher |
Now delinquent:
| 0 |
Revolving credit balance:
| $612 | 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:
| credit-boss2 |
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
Wedding & h/moon
Purpose of loan:
This loan will be used to?
Help pay for wedding and honeymoon
My financial situation:
I am a good candidate for this loan because?
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
467065
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount:
| $1,500.00 |
Prosper Rating:
| AA |
Auction Duration:
| 7 days
|
Term:
| 36 months |
Estimated loss:
| 0.6% | | |
| | |
|
Starting lender yield:
| 9.00% |
Starting borrower rate/APR:
| 10.00% / 10.34% |
Starting monthly payment:
| $48.40 |
|
Auction yield range:
| 2.93% - 9.00% |
Estimated loss impact:
| 0.61% | | |
Lender servicing fee:
| 1.00% |
Estimated return:
| 8.39% | | |
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper scores:
| |
First credit line:
| Oct-1986 |
Debt/Income ratio:
| Not calculated |
Basic (1-10):
| 10 |
Inquiries last 6m:
| 1 | Employment status: | Full-time employee |
Enhanced (1-5): | 3 |
Current / open credit lines:
| 36
/
29 | Length of status: | 14y 11m |
Credit score:
| 740-759 (Jul-2010) |
Total credit lines:
| 58 |
Occupation: | Psychologist |
Now delinquent:
| 0 |
Revolving credit balance:
| $104,203 | Stated income: | $50,000-$74,999 |
Amount delinquent:
| $0 |
Bankcard utilization:
| 72% | | |
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| Yes | | |
Delinquencies in last 7y:
| 0 | | | | |
Screen name:
| AspenProperties |
Borrower's state:
| Michigan |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Description
Pay and close another credit card
Purpose of loan:
This loan will be used to pay a high interest credit car balance.
My financial situation:
I? have reserves including a savings account, three rental properties, and?retirement funds.??? I?make payments on time.? I have owned my own home for over 20 years without any missed or late payments.?? I??helped three children through college, and?and a fourth?is still in college.? ?My cars are paid for.??My wife and I?are making progress in paying off our loans (Dave Ramsey's snowball method). ?Both my wife and I have good, solid jobs. Part of the high loan balance on my credit report is related to obtaining the rental properties (down payments on three duplexes, each with positive cash flow).? I? set a small balance and good interest rate for this loan as an attempt to develop a track record with Prosper, so that people will know they can confidently make and loan and be pain in full.? And I would much rather pay you interest than send it to a credit card company.Monthly net income: $ 7800.00
Monthly expenses: $
??Housing: $ 1350
??Insurance: $ 250????
??Car expenses: $ 170
??Utilities: $?190.00
??Phone, cable, internet: $ 93
??Food, entertainment: $ 500
??Clothing, household expenses $ 250
??Credit cards and other loans: $?1240.00
??Other expenses: $ 400
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
467069
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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:
| B |
Auction Duration:
| 7 days
|
Term:
| 36 months |
Estimated loss:
| 5.0% | | |
| | |
|
Starting lender yield:
| 12.93% |
Starting borrower rate/APR:
| 13.93% / 16.09% |
Starting monthly payment:
| $68.29 |
|
Auction yield range:
| 5.93% - 12.93% |
Estimated loss impact:
| 5.22% | | |
Lender servicing fee:
| 1.00% |
Estimated return:
| 7.71% | | |
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper scores:
| |
First credit line:
| Sep-1994 |
Debt/Income ratio:
| 20% |
Basic (1-10):
| 8 |
Inquiries last 6m:
| 4 | Employment status: | Full-time employee |
Enhanced (1-5): | 2 |
Current / open credit lines:
| 15
/
15 | Length of status: | 9y 2m |
Credit score:
| 720-739 (Jul-2010) |
Total credit lines:
| 38 |
Occupation: | Other |
Now delinquent:
| 0 |
Revolving credit balance:
| $25,016 | Stated income: | $50,000-$74,999 |
Amount delinquent:
| $0 |
Bankcard utilization:
| 31% | | |
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| No | | |
Delinquencies in last 7y:
| 0 | | | | |
Screen name:
| thankful-finance9 |
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
Consolidation Loan
Purpose of loan:
This loan will be used to?
Consolidate and pay off car repair and home improvement purchase debt
My financial situation:
I am a good candidate for this loan because?
I own my own home, have very good credit score and own my own (4 year old) vehicle
Monthly net income: $
3,320.00
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
467071
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount:
| $11,000.00 |
Prosper Rating:
| HR |
Auction Duration:
| 7 days
|
Term:
| 36 months |
Estimated loss:
| 34.5% | | |
| | |
|
Starting lender yield:
| 24.00% |
Starting borrower rate/APR:
| 25.00% / 27.31% |
Starting monthly payment:
| $437.36 |
|
Auction yield range:
| 16.93% - 24.00% |
Estimated loss impact:
| 35.88% | | |
Lender servicing fee:
| 1.00% |
Estimated return:
| -11.88% | | |
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper scores:
| |
First credit line:
| Dec-1996 |
Debt/Income ratio:
| 36% |
Basic (1-10):
| 1 |
Inquiries last 6m:
| 3 | Employment status: | Full-time employee |
Enhanced (1-5): | 1 |
Current / open credit lines:
| 9
/
9 | Length of status: | 7y 9m |
Credit score:
| 620-639 (Jul-2010) |
Total credit lines:
| 23 |
Occupation: | Police Officer/Corr... |
Now delinquent:
| 0 |
Revolving credit balance:
| $5,193 | Stated income: | $25,000-$49,999 |
Amount delinquent:
| $0 |
Bankcard utilization:
| 108% | | |
Public records last 12m / 10y:
| 0/ 1 |
Homeownership:
| No | | |
Delinquencies in last 7y:
| 0 | | | | |
Screen name:
| ballyhoo |
Borrower's state:
| Florida |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan history | Payment history | Credit score history |
Active / total loans:
| 0 / 1 |
On-time:
| 10 ( 91% )
| 620-639 (Latest)
|
Principal borrowed:
| $3,750.00 | < 31 days late:
| 1
( 9% )
| 640-659
(Aug-2007)
|
Principal balance:
| $0.01 |
31+ days late:
| 0
( 0% )
|
Total payments billed:
| 11 | | |
Description
Law Enforcement Officer Helps Mom
Purpose of loan:
This loan will be used to?
Fund medical ocpays for my moms medical treatments which are 20% of the total bill. Also I need to make her home wheelchair accessable. I need to build a wheelchair ramp, lower the counters in her bathrooms and kitchen, modify her van to be able to loadher in the wheelchair for trips to doctors, hospitals, and physical therapy. I am sure that there will be other things that will be necessary for altering to make her home livable and comfortable for her.
My financial situation:
I am a good candidate for this loan because?
I have preciously had a loan through prosper and paid it in full and early, so my lenders recieved their full interest sooner than agreed upon. I had some credit issues years ago buthave worked towards reconciling that issue and have no unpaid bills. I am a law enforcement officer required to uphold the law and maintain good standing with the public as well as lenders. There is no issue in paying this loan back.
Monthly net income: $
2400.00
Monthly expenses: $
??Housing: $ 425
??Insurance: $ 97
??Car expenses: $
??Utilities: $ 250
??Phone, cable, internet: $ 200
??Food, entertainment: $ 200
??Clothing, household expenses $
??Credit cards and other loans: $ 300
??Other expenses: $
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
467075
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount:
| $5,000.00 |
Prosper Rating:
| B |
Auction Duration:
| 7 days
|
Term:
| 36 months |
Estimated loss:
| 5.0% | | |
| | |
|
Starting lender yield:
| 12.85% |
Starting borrower rate/APR:
| 13.85% / 16.01% |
Starting monthly payment:
| $170.52 |
|
Auction yield range:
| 5.93% - 12.85% |
Estimated loss impact:
| 5.21% | | |
Lender servicing fee:
| 1.00% |
Estimated return:
| 7.64% | | |
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper scores:
| |
First credit line:
| Jul-1994 |
Debt/Income ratio:
| 22% |
Basic (1-10):
| 8 |
Inquiries last 6m:
| 0 | Employment status: | Full-time employee |
Enhanced (1-5): | 5 |
Current / open credit lines:
| 4
/
3 | Length of status: | 10y 2m |
Credit score:
| 760-779 (Jul-2010) |
Total credit lines:
| 14 |
Occupation: | Food Service Manage... |
Now delinquent:
| 0 |
Revolving credit balance:
| $1,188 | Stated income: | $25,000-$49,999 |
Amount delinquent:
| $0 |
Bankcard utilization:
| 33% | | |
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| No | | |
Delinquencies in last 7y:
| 3 | | | | |
Screen name:
| liberty-stream |
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
Pay for some classes and vacation
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
467077
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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:
| 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:
| $169.82 |
|
Auction yield range:
| 3.93% - 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:
| Mar-2001 |
Debt/Income ratio:
| 21% |
Basic (1-10):
| 9 |
Inquiries last 6m:
| 0 | Employment status: | Full-time employee |
Enhanced (1-5): | 5 |
Current / open credit lines:
| 10
/
10 | Length of status: | 0y 8m |
Credit score:
| 740-759 (Jul-2010) |
Total credit lines:
| 22 |
Occupation: | Other |
Now delinquent:
| 0 |
Revolving credit balance:
| $7,637 | Stated income: | $25,000-$49,999 |
Amount delinquent:
| $0 |
Bankcard utilization:
| 25% | | |
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| No | | |
Delinquencies in last 7y:
| 0 | | | | |
Screen name:
| happy-yield26 |
Borrower's state:
| SouthCarolina |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Description
Paying off credit cards
Purpose of loan:
This loan will be used to?pay off high-interest credit cards and my car payment. I have never been late making a monthly payment. And if I can pay my loans off sooner, I will do so.
My financial situation: I am trying to save up enough money for a down payment on a house. But before I make such a big purchase, I'd like to be debt-free (in regards to credit cards). I am able to make payments on my cards now, but I'd like to reduce the interest rates and set-up an actual "payment plan" to have a $0.00 balance.
I am a good candidate for this loan because?I have never been late on a payment and I always make sure that I pay a little more than the minimum monthly payment due.
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
467079
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount:
| $7,500.00 |
Prosper Rating:
| HR |
Auction Duration:
| 7 days
|
Term:
| 36 months |
Estimated loss:
| 34.5% | | |
| | |
|
Starting lender yield:
| 34.00% |
Starting borrower rate/APR:
| 35.00% / 37.45% |
Starting monthly payment:
| $339.27 |
|
Auction yield range:
| 16.93% - 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-1987 |
Debt/Income ratio:
| 20% |
Basic (1-10):
| 1 |
Inquiries last 6m:
| 0 | Employment status: | Full-time employee |
Enhanced (1-5): | 4 |
Current / open credit lines:
| 4
/
4 | Length of status: | 25y 0m |
Credit score:
| 680-699 (Jul-2010) |
Total credit lines:
| 20 |
Occupation: | Other |
Now delinquent:
| 4 |
Revolving credit balance:
| $232 | Stated income: | $50,000-$74,999 |
Amount delinquent:
| $51,370 |
Bankcard utilization:
| 77% | | |
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| Yes | | |
Delinquencies in last 7y:
| 7 | | | | |
Screen name:
| WORLDCHAMPIONHORSES1 |
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:
| 0 / 1 |
On-time:
| 34 ( 97% )
| 680-699 (Latest)
|
Principal borrowed:
| $6,000.00 | < 31 days late:
| 1
( 3% )
| 620-639
(Mar-2007)
540-559
(Feb-2007)
|
Principal balance:
| $0.00 |
31+ days late:
| 0
( 0% )
|
Total payments billed:
| 35 | | |
Description
Invest In Successful Property Mgmt
Purpose of loan:
To invest in an award winning real estate mgmt firm in?City of?Chicago.? 38 yrs success & experience.??Their expertise & understanding of all?details of condo association mgmt in a major metropolitan area?sets this firm apart from its competitors.??Confident ROI will be substantial & swift.
My financial situation:
Returning Prosper client.? Previous loan was paid in full, on time.? Employment?& income remain stable.? Credit score has improved >60 points since?last loan.? I am committed to improving my financial standing and keep expenses in line so when an opportunity of this scope presented itself, I am ready to make the investment.
Monthly net income: $ 3,500
Monthly expenses: $?
Housing: $ 0
Insurance: $ 100.00
Car expenses: $ 100.00
Utilities: $ 0
Phone, cable, internet: $ 0
Food, entertainment: $ 300.00
Clothing, household expenses $200.00?
Credit cards and other loans:? ?$625.00?
Other expenses: $0
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
467081
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount:
| $3,000.00 |
Prosper Rating:
| D |
Auction Duration:
| 7 days
|
Term:
| 36 months |
Estimated loss:
| 10.0% | | |
| | |
|
Starting lender yield:
| 13.75% |
Starting borrower rate/APR:
| 14.75% / 16.92% |
Starting monthly payment:
| $103.63 |
|
Auction yield range:
| 10.93% - 13.75% |
Estimated loss impact:
| 10.31% | | |
Lender servicing fee:
| 1.00% |
Estimated return:
| 3.44% | | |
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper scores:
| |
First credit line:
| Oct-1996 |
Debt/Income ratio:
| 6% |
Basic (1-10):
| 7 |
Inquiries last 6m:
| 0 | Employment status: | Full-time employee |
Enhanced (1-5): | 5 |
Current / open credit lines:
| 10
/
10 | Length of status: | 13y 4m |
Credit score:
| 700-719 (Jul-2010) |
Total credit lines:
| 15 |
Occupation: | Computer Programmer |
Now delinquent:
| 2 |
Revolving credit balance:
| $2,957 | Stated income: | $50,000-$74,999 |
Amount delinquent:
| $975 |
Bankcard utilization:
| 39% | | |
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| No | | |
Delinquencies in last 7y:
| 0 | | | | |
Screen name:
| climbing_vine |
Borrower's state:
| Minnesota |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Description
Paying off cards; buying house
Purpose of loan:
This loan will be used to pay off my credit cards to improve my revolving debt utilization and hence FICO before buying a house. My utilization is not terrible at about 35%, but I'd rather it be zero--and I don't want to dip into my savings, as that's earmarked for down payment and moving costs.
My financial situation:
I am a good candidate for this loan because I have no late payments on my credit history. I pay all my bills on time and have no financial issues in the last five years. There are two "collections" on my credit report which are both fraudulent (look up National Recovery Agency's BMG scam). I'm currently working through those with the MN Attorney General. All of my real accounts are in good standing, including student loans.
Monthly net income: $ 3800
Monthly disposable after expenses and saving: $1000
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
467083
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount:
| $20,000.00 |
Prosper Rating:
| HR |
Auction Duration:
| 7 days
|
Term:
| 36 months |
Estimated loss:
| 18.0% | | |
| | |
|
Starting lender yield:
| 34.00% |
Starting borrower rate/APR:
| 35.00% / 37.45% |
Starting monthly payment:
| $904.72 |
|
Auction yield range:
| 16.93% - 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-2000 |
Debt/Income ratio:
| 50% |
Basic (1-10):
| 3 |
Inquiries last 6m:
| 2 | Employment status: | Full-time employee |
Enhanced (1-5): | 3 |
Current / open credit lines:
| 18
/
17 | Length of status: | 3y 10m |
Credit score:
| 720-739 (Jul-2010) |
Total credit lines:
| 30 |
Occupation: | Engineer - Chemical |
Now delinquent:
| 1 |
Revolving credit balance:
| $893 | Stated income: | $50,000-$74,999 |
Amount delinquent:
| $0 |
Bankcard utilization:
| 0% | | |
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| Yes | | |
Delinquencies in last 7y:
| 0 | | | | |
Screen name:
| revenue-burst1 |
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
Capital for new business
Purpose of loan:
This loan will be used to? invest in my, state registered,?real estate?Limited Liability Company.
My financial situation:
I am a good candidate for this loan because?I'm an honest person who?always pays?their debts.? I am embarking on a new business venture in a field where I have experience.? Therefore, I am confident in its success and in my ability to pay this loan off early.? My business partner and I currently live together in order to split living costs.? This enables us to have more money every month to invest in our start-up.? I am a responsible person who needs investment capital to get my business off the ground.
Monthly net income: $ 3850
Monthly expenses: $
??Housing: $ 774
??Insurance: $ 85
??Car expenses: $ 694
??Utilities: $
??Phone, cable, internet: $ 40
??Food, entertainment: $ 100
??Clothing, household expenses $ 50
??Credit cards and other loans: $ 100
??Other expenses: $
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
467093
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount:
| $21,000.00 |
Prosper Rating:
| C |
Auction Duration:
| 7 days
|
Term:
| 36 months |
Estimated loss:
| 8.5% | | |
| | |
|
Starting lender yield:
| 8.99% |
Starting borrower rate/APR:
| 9.99% / 12.10% |
Starting monthly payment:
| $677.51 |
|
Auction yield range:
| 7.93% - 8.99% |
Estimated loss impact:
| 8.68% | | |
Lender servicing fee:
| 1.00% |
Estimated return:
| 0.31% | | |
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper scores:
| |
First credit line:
| Nov-1989 |
Debt/Income ratio:
| 18% |
Basic (1-10):
| 5 |
Inquiries last 6m:
| 1 | Employment status: | Full-time employee |
Enhanced (1-5): | 5 |
Current / open credit lines:
| 5
/
3 | Length of status: | 14y 6m |
Credit score:
| 760-779 (Jul-2010) |
Total credit lines:
| 23 |
Occupation: | Teacher |
Now delinquent:
| 0 |
Revolving credit balance:
| $0 | Stated income: | $75,000-$99,999 |
Amount delinquent:
| $0 |
Bankcard utilization:
| 0% | | |
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| No | | |
Delinquencies in last 7y:
| 0 | | | | |
Screen name:
| bonus-blueberry8 |
Borrower's state:
| Connecticut |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Description
I hate american express
Purpose of loan:
To pay of american express who jacked my rate up to 29% when I cancelled my card?
My financial situation:
Do not have a mortgage
Monthly net income: $ 4,000
Monthly expenses: $
??Housing: $?0
??Insurance: $ 96
??Car expenses: $ 477
??Utilities: $ 0
??Phone, cable, internet: $ 0
??Food, entertainment: $ 400
??Clothing, household expenses $ 0
??Credit cards and other loans: $ 600
??Other expenses: $
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
467099
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount:
| $24,999.00 |
Prosper Rating:
| C |
Auction Duration:
| 7 days
|
Term:
| 36 months |
Estimated loss:
| 8.5% | | |
| | |
|
Starting lender yield:
| 9.99% |
Starting borrower rate/APR:
| 10.99% / 13.11% |
Starting monthly payment:
| $818.32 |
|
Auction yield range:
| 7.93% - 9.99% |
Estimated loss impact:
| 8.71% | | |
Lender servicing fee:
| 1.00% |
Estimated return:
| 1.28% | | |
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments 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:
| 35% |
Basic (1-10):
| 5 |
Inquiries last 6m:
| 0 | Employment status: | Full-time employee |
Enhanced (1-5): | 4 |
Current / open credit lines:
| 10
/
9 | Length of status: | 11y 11m |
Credit score:
| 760-779 (Jul-2010) |
Total credit lines:
| 28 |
Occupation: | Computer Programmer |
Now delinquent:
| 0 |
Revolving credit balance:
| $29,334 | Stated income: | $75,000-$99,999 |
Amount delinquent:
| $0 |
Bankcard utilization:
| 49% | | |
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| Yes | | |
Delinquencies in last 7y:
| 0 | | | | |
Screen name:
| bcumings |
Borrower's state:
| Wisconsin |
Borrower's group:
| Not Active |
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan history | Payment history | Credit score history |
Active / total loans:
| 0 / 1 |
On-time:
| 21 ( 100% )
| 760-779 (Latest)
|
Principal borrowed:
| $9,000.00 | < 31 days late:
| 0
( 0% )
| 720-739
(Jul-2007)
|
Principal balance:
| $0.01 |
31+ days late:
| 0
( 0% )
|
Total payments billed:
| 21 | | |
Description
Paying off our credit cards
Purpose of loan:
This loan will be used to consolidate credit card debt that is currently at a much higher rate. My wife and I want to pay off our debt and start saving for retirement. Once we are able to pay this debt off, we will be able to save a lot more money per month. Then we can start working on paying off our student loan debt. Our goal is to be debt free!
My financial situation:
I am a good candidate for this loan because my wife and I are both employed full time with good jobs. We're just working on putting our credit card debt together in one constant and consistent monthly payment to make it easier for us to pay off. We both have good credit and have a consistently good payment record on
all of our accounts.
Monthly net income: $7000
Monthly expenses: $
??Housing: $1425
??Insurance: $100 (home insurance is in the housing cost)
??Car expenses: $575 (including gas)
??Utilities: $173
??Phone, cable, internet: $280
??Food, entertainment: $800
??Clothing, household expenses $100
??Credit cards and other loans: $1600
??Other expenses: $
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
467105
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount:
| $1,000.00 |
Prosper Rating:
| E |
Auction Duration:
| 7 days
|
Term:
| 36 months |
Estimated loss:
| 14.0% | | |
| | |
|
Starting lender yield:
| 33.23% |
Starting borrower rate/APR:
| 34.23% / 38.36% |
Starting monthly payment:
| $44.80 |
|
Auction yield range:
| 13.93% - 33.23% |
Estimated loss impact:
| 15.53% | | |
Lender servicing fee:
| 1.00% |
Estimated return:
| 17.70% | | |
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper scores:
| |
First credit line:
| May-2000 |
Debt/Income ratio:
| 26% |
Basic (1-10):
| 6 |
Inquiries last 6m:
| 7 | Employment status: | Full-time employee |
Enhanced (1-5): | 1 |
Current / open credit lines:
| 9
/
7 | Length of status: | 10y 11m |
Credit score:
| 640-659 (Jun-2010) |
Total credit lines:
| 18 |
Occupation: | Computer Programmer |
Now delinquent:
| 0 |
Revolving credit balance:
| $2,265 | Stated income: | $25,000-$49,999 |
Amount delinquent:
| $0 |
Bankcard utilization:
| 44% | | |
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| Yes | | |
Delinquencies in last 7y:
| 0 | | | | |
Screen name:
| value-tsunami5 |
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
I just need a little help
Purpose of loan:
This loan will be used to? repaire a classic car and payoff some unexpected medical bills
My financial situation:
I am a good candidate for this loan because? I have never missed a payment on anything and do not intend to start now. I am a good canidate for early repayment.
Monthly net income: $ 2500
Monthly expenses: $
??Housing: $ 780
??Insurance: $ 80
??Car expenses: $ 163
??Utilities: $ 100
??Phone, cable, internet: $ 100
??Food, entertainment: $ 200
??Clothing, household expenses $ 100
??Credit cards and other loans: $ 200
??Other expenses: $ 200
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
467111
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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:
| 36.00% / 38.47% |
Starting monthly payment:
| $229.02 |
|
Auction yield range:
| 16.93% - 34.00% |
Estimated loss impact:
| 20.01% | | |
Lender servicing fee:
| 1.00% |
Estimated return:
| 13.99% | | |
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper scores:
| |
First credit line:
| Nov-2004 |
Debt/Income ratio:
| 8% |
Basic (1-10):
| 5 |
Inquiries last 6m:
| 3 | Employment status: | Full-time employee |
Enhanced (1-5): | 4 |
Current / open credit lines:
| 2
/
2 | Length of status: | 2y 0m |
Credit score:
| 680-699 (Jul-2010) |
Total credit lines:
| 4 |
Occupation: | Analyst |
Now delinquent:
| 0 |
Revolving credit balance:
| $4,614 | 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:
| value-refresher3 |
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
My loan for an auto purchase
Purpose of loan:
This loan will be used to purchase a daily driver car for the winter weather.
My financial situation:
I am a good candidate for this loan because I have a good payment history and a great employee that will secure an even higher income due to a promotion in the next coming months.
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
467117
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount:
| $3,000.00 |
Prosper Rating:
| C |
Auction Duration:
| 7 days
|
Term:
| 36 months |
Estimated loss:
| 6.5% | | |
| | |
|
Starting lender yield:
| 18.90% |
Starting borrower rate/APR:
| 19.90% / 22.14% |
Starting monthly payment:
| $111.34 |
|
Auction yield range:
| 7.93% - 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:
| Mar-1998 |
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:
| 12
/
9 | Length of status: | 2y 0m |
Credit score:
| 660-679 (Jul-2010) |
Total credit lines:
| 27 |
Occupation: | Teacher |
Now delinquent:
| 0 |
Revolving credit balance:
| $8,630 | Stated income: | $25,000-$49,999 |
Amount delinquent:
| $0 |
Bankcard utilization:
| 55% | | |
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| No | | |
Delinquencies in last 7y:
| 0 | | | | |
Screen name:
| gold-excellency0 |
Borrower's state:
| Arizona |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Description
Paying off my credit cards
Purpose of loan:
This loan will be used to? To pay off credit card debt
My financial situation:
I am a good candidate for this loan because?
I've never been late on payments
Monthly net income: $ 3200
Monthly expenses: $
??Housing: $ 362
??Insurance: $?
??Car expenses: $
??Utilities: $?60
??Phone, cable, internet: $ 150
??Food, entertainment: $
??Clothing, household expenses $
??Credit cards and other loans: $
??Other expenses: $
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
467119
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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:
| 10.93% - 26.25% |
Estimated loss impact:
| 10.65% | | |
Lender servicing fee:
| 1.00% |
Estimated return:
| 15.60% | | |
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper scores:
| |
First credit line:
| Oct-1993 |
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:
| 14
/
13 | Length of status: | 9y 6m |
Credit score:
| 720-739 (Jul-2010) |
Total credit lines:
| 21 |
Occupation: | Teacher |
Now delinquent:
| 0 |
Revolving credit balance:
| $5,957 | Stated income: | $75,000-$99,999 |
Amount delinquent:
| $0 |
Bankcard utilization:
| 58% | | |
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| No | | |
Delinquencies in last 7y:
| 0 | | | | |
Screen name:
| Teacher360 |
Borrower's state:
| NewYork |
Borrower's group:
| AAA Funding Group - Get your loans funded fast! |
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Description
Zero Lates-loan 4debt consolidation
I am a teacher working in the NYC Department of Education.? Looking to consolidate my debt. Never paid anything late and I am reliable for a loan.? This loan will not be an exception.? It will be paid off timely.?
Purpose of loan:
This loan will be used to pay off a small debt entirely.
My financial situation:
I am a good candidate for this loan because my I continue to have no delinquencies on record.? I am responsible and have always made payments to accounts in advance of their due date.?
Monthly net income: $
3000
Monthly expenses: $
??Housing: $
1300
??Insurance: $
none
??Car expenses: $
none - walk to work
??Utilities: $
@50
??Phone, cable, internet: $
100
??Food, entertainment: $
200
??Clothing, household expenses $
150
??Credit cards and other loans: $
200
??Other expenses: $
Note:? $600 left to pay towards this loan.
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
467123
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount:
| $7,950.00 |
Prosper Rating:
| E |
Auction Duration:
| 7 days
|
Term:
| 36 months |
Estimated loss:
| 14.0% | | |
| | |
|
Starting lender yield:
| 31.50% |
Starting borrower rate/APR:
| 32.50% / 34.92% |
Starting monthly payment:
| $348.47 |
|
Auction yield range:
| 13.93% - 31.50% |
Estimated loss impact:
| 15.45% | | |
Lender servicing fee:
| 1.00% |
Estimated return:
| 16.05% | | |
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments 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:
| 16% |
Basic (1-10):
| 6 |
Inquiries last 6m:
| 0 | Employment status: | Full-time employee |
Enhanced (1-5): | 5 |
Current / open credit lines:
| 11
/
4 | Length of status: | 8y 0m |
Credit score:
| 640-659 (Jul-2010) |
Total credit lines:
| 25 |
Occupation: | Other |
Now delinquent:
| 0 |
Revolving credit balance:
| $3,544 | Stated income: | $50,000-$74,999 |
Amount delinquent:
| $0 |
Bankcard utilization:
| 57% | | |
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% )
| 640-659 (Latest)
|
Principal borrowed:
| $3,000.00 | < 31 days late:
| 0
( 0% )
| 700-719
(Jun-2010)
560-579
(Aug-2008)
560-579
(Jul-2008)
560-579
(May-2008)
|
Principal balance:
| $1,005.00 |
31+ days late:
| 0
( 0% )
|
Total payments billed:
| 22 | | |
Description
Start online Business and Pay Debt
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. I got up to 83% funded last week - lets get to 100% this week.
My financial situation:
To start off; I will still continue with my current job that I have been with for a little over 8 years. That will not change. I will be working on my online projects on the side (nights and weekends). I cannot go into detail about my side business ventures, but one of them is a series of online stores with one store carrying unique items. I am a good candidate for this loan because, I checked my credit score, and it is NOT what Prosper says it is, but it is a 704.Experian is what I use. 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.
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
467127
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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:
| 16.93% - 34.00% |
Estimated loss impact:
| 20.01% | | |
Lender servicing fee:
| 1.00% |
Estimated return:
| 13.99% | | |
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper scores:
| |
First credit line:
| May-1985 |
Debt/Income ratio:
| 4% |
Basic (1-10):
| 4 |
Inquiries last 6m:
| 2 | Employment status: | Full-time employee |
Enhanced (1-5): | 3 |
Current / open credit lines:
| 3
/
3 | Length of status: | 19y 11m |
Credit score:
| 640-659 (Jul-2010) |
Total credit lines:
| 27 |
Occupation: | Tradesman - Mechani... |
Now delinquent:
| 2 |
Revolving credit balance:
| $1,758 | Stated income: | $25,000-$49,999 |
Amount delinquent:
| $166 |
Bankcard utilization:
| 101% | | |
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| Yes | | |
Delinquencies in last 7y:
| 4 | | | | |
Screen name:
| vivacious-coin8 |
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
Real Estate Tax
Purpose of loan: Need loan to pay for a real estate tax.
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
467133
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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:
| 10.93% |
Starting borrower rate/APR:
| 11.93% / 14.06% |
Starting monthly payment:
| $265.45 |
|
Auction yield range:
| 10.93% - 10.93% |
Estimated loss impact:
| 10.23% | | |
Lender servicing fee:
| 1.00% |
Estimated return:
| 0.70% | | |
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-1999 |
Debt/Income ratio:
| 13% |
Basic (1-10):
| 6 |
Inquiries last 6m:
| 0 | Employment status: | Full-time employee |
Enhanced (1-5): | 5 |
Current / open credit lines:
| 11
/
11 | Length of status: | 2y 1m |
Credit score:
| 720-739 (Jul-2010) |
Total credit lines:
| 15 |
Occupation: | Accountant/CPA |
Now delinquent:
| 0 |
Revolving credit balance:
| $9,707 | Stated income: | $50,000-$74,999 |
Amount delinquent:
| $0 |
Bankcard utilization:
| 89% | | |
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| Yes | | |
Delinquencies in last 7y:
| 0 | | | | |
Screen name:
| bold-deal-pilot |
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
Consolidating Bucket's Wife
Purpose of loan:
This loan will be used consolidate credit debt.
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
467135
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount:
| $1,500.00 |
Prosper Rating:
| D |
Auction Duration:
| 7 days
|
Term:
| 36 months |
Estimated loss:
| 10.0% | | |
| | |
|
Starting lender yield:
| 25.33% |
Starting borrower rate/APR:
| 26.33% / 28.92% |
Starting monthly payment:
| $60.70 |
|
Auction yield range:
| 10.93% - 25.33% |
Estimated loss impact:
| 10.63% | | |
Lender servicing fee:
| 1.00% |
Estimated return:
| 14.70% | | |
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper scores:
| |
First credit line:
| Nov-1997 |
Debt/Income ratio:
| 16% |
Basic (1-10):
| 7 |
Inquiries last 6m:
| 3 | Employment status: | Full-time employee |
Enhanced (1-5): | 2 |
Current / open credit lines:
| 3
/
3 | Length of status: | 2y 0m |
Credit score:
| 700-719 (Jul-2010) |
Total credit lines:
| 8 |
Occupation: | Professional |
Now delinquent:
| 0 |
Revolving credit balance:
| $0 | Stated income: | $50,000-$74,999 |
Amount delinquent:
| $0 |
Bankcard utilization:
| 0% | | |
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| Yes | | |
Delinquencies in last 7y:
| 6 | | | | |
Screen name:
| credit-starter8 |
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
Need escrow up front for home refi
Purpose of loan:
This loan will be used to pay the escrow needed up front on refinancing my current home mortgage.
My financial situation:
I am a good candidate for this loan because I will be receiving a good portion of it back when my previous mortgage is closed and an escrow account check is sent to me.
Monthly net income: $ 4,800.00
Monthly expenses: $
??Housing: $ 1,400
??Insurance: $ 100
??Car expenses: $
??Utilities: $?400
??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
467137
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount:
| $7,000.00 |
Prosper Rating:
| HR |
Auction Duration:
| 7 days
|
Term:
| 36 months |
Estimated loss:
| 18.0% | | |
| | |
|
Starting lender yield:
| 16.93% |
Starting borrower rate/APR:
| 17.93% / 20.14% |
Starting monthly payment:
| $252.82 |
|
Auction yield range:
| 16.93% - 16.93% |
Estimated loss impact:
| 18.93% | | |
Lender servicing fee:
| 1.00% |
Estimated return:
| -2.00% | | |
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper scores:
| |
First credit line:
| Jun-1990 |
Debt/Income ratio:
| 15% |
Basic (1-10):
| 5 |
Inquiries last 6m:
| 2 | Employment status: | Full-time employee |
Enhanced (1-5): | 4 |
Current / open credit lines:
| 10
/
8 | Length of status: | 7y 6m |
Credit score:
| 700-719 (Jun-2010) |
Total credit lines:
| 25 |
Occupation: | Other |
Now delinquent:
| 0 |
Revolving credit balance:
| $100,184 | Stated income: | $100,000+ |
Amount delinquent:
| $0 |
Bankcard utilization:
| 94% | | |
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| Yes | | |
Delinquencies in last 7y:
| 0 | | | | |
Screen name:
| get_debt-free |
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
2 pay credit cards and tax bill
Purpose of loan:
This loan will be?used mostly for credit card consolidation, a small tax bill, and a new transmission for our vehicle. We have been struggling the last 2 years due to the current economic situation.? I have been limited to the overtime hours I can work because I work for the State of California and because my family and I have come to depend on the extra income, it has been financially difficult for us as of late.?
My financial situation:
I am a good candidate for this loan because we take our credit rating very seriously.? My wife and I used to have a much better credit rating but because we?ve had a couple of late payments in the last year, it has affected our credit report.? When the housing market was hot, we were one of many to be convinced by a mortgage broker to buy rental property.? Although, we have a?bit of a negative cash flow each month on the property, we have decided to keep it since our renters are great people.? We are lucky that we get our monthly rent check on time every month.? We have never claimed bankruptcy or defaulted on any loans.? We continue to pay our creditors but due to unforeseen circumstances, we are in need of some assistance.? One of our vehicles need a new transmission, our refrigerator has been acting up and may need a replacement of the fan?s motor, we owe a small amount to the State of California for our 2009 tax return and we would like to consolidate some of our credit card bills with this loan.
Monthly net income: $ 10,394
Monthly expenses: $?9970.
??Housing: $ 4528.
??Insurance: $ 200.
??Car expenses: $ 550.
??Utilities: $ 220.
??Phone, cable, internet: $ 390.
??Food, entertainment: $ 500.
??Clothing, household expenses $ 250.
??Credit cards and other loans: $ 1100.
??Other expenses: $ 2132.
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
467145
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount:
| $7,000.00 |
Prosper Rating:
| A |
Auction Duration:
| 7 days
|
Term:
| 36 months |
Estimated loss:
| 2.1% | | |
| | |
|
Starting lender yield:
| 8.20% |
Starting borrower rate/APR:
| 9.20% / 11.30% |
Starting monthly payment:
| $223.25 |
|
Auction yield range:
| 3.93% - 8.20% |
Estimated loss impact:
| 2.12% | | |
Lender servicing fee:
| 1.00% |
Estimated return:
| 6.08% | | |
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper scores:
| |
First credit line:
| Sep-1995 |
Debt/Income ratio:
| 26% |
Basic (1-10):
| 9 |
Inquiries last 6m:
| 1 | Employment status: | Full-time employee |
Enhanced (1-5): | 4 |
Current / open credit lines:
| 13
/
12 | Length of status: | 12y 9m |
Credit score:
| 740-759 (Jul-2010) |
Total credit lines:
| 32 |
Occupation: | Analyst |
Now delinquent:
| 0 |
Revolving credit balance:
| $51,478 | Stated income: | $50,000-$74,999 |
Amount delinquent:
| $0 |
Bankcard utilization:
| 69% | | |
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| Yes | | |
Delinquencies in last 7y:
| 0 | | | | |
Screen name:
| kangaroo82 |
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
Debt consolidation @lower rate
Purpose of loan:
This loan will be used to? pay off my high credit card bils
My financial situation:
I am a good candidate for this loan because? I'm a honest individual who pays their bill on time and not late, my credit history reflects this.
Monthly net income: $ 3,500
Monthly expenses: $
??Housing: $ 1563.39
??Insurance: $ none
??Car expenses: $?none
??Utilities: $ 205.
??Phone, cable, internet: $ 80.
??Food, entertainment: $ 100.
??Clothing, household expenses $ 100
??Credit cards and other loans: $ 650
??Other expenses: $ 100
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
467147
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount:
| $7,500.00 |
Prosper Rating:
| HR |
Auction Duration:
| 7 days
|
Term:
| 36 months |
Estimated loss:
| 18.0% | | |
| | |
|
Starting lender yield:
| 22.00% |
Starting borrower rate/APR:
| 23.00% / 25.28% |
Starting monthly payment:
| $290.32 |
|
Auction yield range:
| 16.93% - 22.00% |
Estimated loss impact:
| 19.25% | | |
Lender servicing fee:
| 1.00% |
Estimated return:
| 2.75% | | |
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:
| Jan-1995 |
Debt/Income ratio:
| 13% |
Basic (1-10):
| 5 |
Inquiries last 6m:
| 2 | Employment status: | Full-time employee |
Enhanced (1-5): | 5 |
Current / open credit lines:
| 7
/
6 | Length of status: | 1y 3m |
Credit score:
| 660-679 (Jul-2010) |
Total credit lines:
| 23 |
Occupation: | Professional |
Now delinquent:
| 0 |
Revolving credit balance:
| $550 | Stated income: | $75,000-$99,999 |
Amount delinquent:
| $0 |
Bankcard utilization:
| 55% | | |
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| No | | |
Delinquencies in last 7y:
| 5 | | | | |
Screen name:
| greenback-raccoon4 |
Borrower's state:
| Washington |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Description
Paying off Cash Call
Purpose of loan:
This loan would be used to get out from under Cash Call. I've been paying and paying and I need to get a better interest rate.
My financial situation:
I am a good candidate for this loan because I have a stable income and my credit history shows I've been working to improve it. I've made mistakes in the past but I want to get out of debt and finally begin saving for retirement and my kids future
Monthly net income: $ 6500 +profit sharing bonuses
Monthly expenses: $ 4800
??Housing: $ 1450
??Insurance: $
??Car expenses: $ 288
??Utilities: $ 275
??Phone, cable, internet: $
??Food, entertainment: $
??Clothing, household expenses $
??Credit cards and other loans: $ 590.00
??Other expenses: $
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
467153
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount:
| $10,000.00 |
Prosper Rating:
| HR |
Auction Duration:
| 7 days
|
Term:
| 36 months |
Estimated loss:
| 18.0% | | |
| | |
|
Starting lender yield:
| 27.50% |
Starting borrower rate/APR:
| 28.50% / 30.86% |
Starting monthly payment:
| $416.34 |
|
Auction yield range:
| 16.93% - 27.50% |
Estimated loss impact:
| 19.60% | | |
Lender servicing fee:
| 1.00% |
Estimated return:
| 7.90% | | |
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper scores:
| |
First credit line:
| Apr-1982 |
Debt/Income ratio:
| 35% |
Basic (1-10):
| 4 |
Inquiries last 6m:
| 1 | Employment status: | Full-time employee |
Enhanced (1-5): | 5 |
Current / open credit lines:
| 22
/
18 | Length of status: | 13y 2m |
Credit score:
| 640-659 (Jul-2010) |
Total credit lines:
| 37 |
Occupation: | Professional |
Now delinquent:
| 0 |
Revolving credit balance:
| $13,434 | Stated income: | $50,000-$74,999 |
Amount delinquent:
| $0 |
Bankcard utilization:
| 52% | | |
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| Yes | | |
Delinquencies in last 7y:
| 0 | | | | |
Screen name:
| kevin1961 |
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
Replace retaining wall
Purpose of loan:
Borrowing to replace a?old railroad tie retaining wall?that has collapsed with a new precast stone wall. The wall is about 130ft long by 2.5ft high. My neighborhood has a gentle slope and the house behind us is about 3ft higher than our house. Need this wall fixed to keep the fence on top of it from collapsing. ? The is the last major project on this home I purchased in Oct 2008 out of foreclosure. We have done a significant amount of repairs but still only owe $125,000 at 4.125% (refinanced in Feb 2010) on the house that was just appraised for $175,000.
My financial situation:
I am a good candidate for this loan because we have a perfect record of repayment and excellant equity in our home.
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
467159
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount:
| $7,200.00 |
Prosper Rating:
| B |
Auction Duration:
| 7 days
|
Term:
| 36 months |
Estimated loss:
| 5.0% | | |
| | |
|
Starting lender yield:
| 12.85% |
Starting borrower rate/APR:
| 13.85% / 16.01% |
Starting monthly payment:
| $245.55 |
|
Auction yield range:
| 5.93% - 12.85% |
Estimated loss impact:
| 5.21% | | |
Lender servicing fee:
| 1.00% |
Estimated return:
| 7.64% | | |
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper scores:
| |
First credit line:
| Oct-2001 |
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:
| 9
/
9 | Length of status: | 4y 3m |
Credit score:
| 740-759 (Jul-2010) |
Total credit lines:
| 21 |
Occupation: | Fireman |
Now delinquent:
| 0 |
Revolving credit balance:
| $13,177 | Stated income: | $50,000-$74,999 |
Amount delinquent:
| $0 |
Bankcard utilization:
| 63% | | |
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| Yes | | |
Delinquencies in last 7y:
| 0 | | | | |
Screen name:
| active-transparency0 |
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 my 2 high interest credit cards.
My financial situation:
I am a good candidate for this loan because I always pay my payment ontime, never late.
Monthly net income: $ 5500
Monthly expenses: $
??Housing: $ 1217
??Insurance: $ 128
??Car expenses: $ 488
??Utilities: $ 100
??Phone, cable, internet: $ 60
??Food, entertainment: $ 200
??Clothing, household expenses $ 100
??Credit cards and other loans: $ 400
??Other expenses: $
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
467161
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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:
| 16.93% - 34.00% |
Estimated loss impact:
| 20.01% | | |
Lender servicing fee:
| 1.00% |
Estimated return:
| 13.99% | | |
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper scores:
| |
First credit line:
| Oct-1994 |
Debt/Income ratio:
| 23% |
Basic (1-10):
| 4 |
Inquiries last 6m:
| 0 | Employment status: | Full-time employee |
Enhanced (1-5): | 3 |
Current / open credit lines:
| 8
/
6 | Length of status: | 0y 1m |
Credit score:
| 660-679 (Jul-2010) |
Total credit lines:
| 54 |
Occupation: | Administrative Assi... |
Now delinquent:
| 3 |
Revolving credit balance:
| $1,024 | Stated income: | $25,000-$49,999 |
Amount delinquent:
| $424 |
Bankcard utilization:
| 100% | | |
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| Yes | | |
Delinquencies in last 7y:
| 12 | | | | |
Screen name:
| helpful-gain538 |
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
Free from Debt
Purpose of loan:
This loan will be used to?Pay off debt and?make my car payment current. ?
My financial situation:
I am a good candidate for this loan because? I have finally regained control of my income.? I worked for State Farm for 15 years in Georgia.? In 2004 State Farm closed the claims office that I worked at due to a company wide reorganization.? In 2006 my husband, after working for Merck Chemical for 12 years was laid off.? They closed the entire plant in Georgia and we have to relocate to Virginia where my husband took a job with another Pharmeceutical company.? I had difficulty finding a job.? I am now with State Farm again and know this is where I am meant to be.? My income will remain steady at this time. ?I just need a little help to get back on my feet so I can get things current and begin rebuilding my credit.
Monthly net income: $ 2018.00
Monthly expenses: $ 1500.00
??Housing: $
??Insurance: $
??Car expenses: $
??Utilities: $
??Phone, cable, internet: $
??Food, entertainment: $
??Clothing, household expenses $
??Credit cards and other loans: $
??Other expenses: $
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
467163
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount:
| $7,000.00 |
Prosper Rating:
| A |
Auction Duration:
| 7 days
|
Term:
| 36 months |
Estimated loss:
| 2.1% | | |
| | |
|
Starting lender yield:
| 8.28% |
Starting borrower rate/APR:
| 9.28% / 11.38% |
Starting monthly payment:
| $223.51 |
|
Auction yield range:
| 3.93% - 8.28% |
Estimated loss impact:
| 2.12% | | |
Lender servicing fee:
| 1.00% |
Estimated return:
| 6.16% | | |
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper scores:
| |
First credit line:
| Aug-1979 |
Debt/Income ratio:
| 47% |
Basic (1-10):
| 9 |
Inquiries last 6m:
| 1 | Employment status: | Full-time employee |
Enhanced (1-5): | 2 |
Current / open credit lines:
| 16
/
16 | Length of status: | 31y 11m |
Credit score:
| 700-719 (Jul-2010) |
Total credit lines:
| 37 |
Occupation: | Teacher |
Now delinquent:
| 0 |
Revolving credit balance:
| $104,614 | Stated income: | $75,000-$99,999 |
Amount delinquent:
| $0 |
Bankcard utilization:
| 89% | | |
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| Yes | | |
Delinquencies in last 7y:
| 0 | | | | |
Screen name:
| angel7fancy |
Borrower's state:
| Oregon |
Borrower's group:
| BuildingTree |
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan history | Payment history | Credit score history |
Active / total loans:
| 1 / 1 |
On-time:
| 22 ( 100% )
| 700-719 (Latest)
|
Principal borrowed:
| $12,000.00 | < 31 days late:
| 0
( 0% )
| 720-739
(Jul-2008)
700-719
(Mar-2008)
720-739
(Dec-2007)
|
Principal balance:
| $5,426.35 |
31+ days late:
| 0
( 0% )
|
Total payments billed:
| 22 | | |
Description
Seek Lower APR to Pay Down Debt
I KNOW I can do this, I just need your help! Seeking lower interest rate to pay down debt. I would much rather owe you than the credit card companies! I am current on all accounts. I have been teaching at the same high school for 32 years; I love what I do; I know I have an impact on the lives of the students I teach. In addition to teaching full time, I also work a part-time job during the school year and a job during the summer.
I am a good candidate for this loan because I have been teaching for the same school district for 32 years, lived in the same house for over 20 years & know the importance of paying off debts one incurs. I have no delinquent accounts, don't miss payments, & I ALWAYS pay back my debts. I now have a roommate who helps pay the household expenses.
Monthly net income: $ $5600
Monthly expenses:?????$ 5194
Mortgage?????????????????????1589
Insurance?????????????????????? 60?
Phone/Cable?????????????????? 99?
Utilities?????????????????????????100
AT&T????????????????????????????175
Credit Card Debt???????????2550
Food, Household????????????100
Gas???????????????????????????????? 90
Prosper Loan??????????????????431
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
467165
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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:
| 11.41% |
Starting borrower rate/APR:
| 12.41% / 14.55% |
Starting monthly payment:
| $167.05 |
|
Auction yield range:
| 10.93% - 11.41% |
Estimated loss impact:
| 10.24% | | |
Lender servicing fee:
| 1.00% |
Estimated return:
| 1.17% | | |
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper scores:
| |
First credit line:
| Nov-1998 |
Debt/Income ratio:
| 43% |
Basic (1-10):
| 7 |
Inquiries last 6m:
| 1 | Employment status: | Full-time employee |
Enhanced (1-5): | 3 |
Current / open credit lines:
| 14
/
13 | Length of status: | 0y 9m |
Credit score:
| 660-679 (Jul-2010) |
Total credit lines:
| 32 |
Occupation: | Attorney |
Now delinquent:
| 0 |
Revolving credit balance:
| $24,178 | Stated income: | $50,000-$74,999 |
Amount delinquent:
| $0 |
Bankcard utilization:
| 94% | | |
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| Yes | | |
Delinquencies in last 7y:
| 1 | | | | |
Screen name:
| friendship5 |
Borrower's state:
| Maryland |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Description
Wedding and Honeymoon
Purpose of loan:
This loan is to?cover the balance of my upcoming wedding expenses.? Most is already paid for.? (Note the credit cards have been run up.)? I expected a little more from the mother-in-law, but her circumstances changed and I have contracts already.? I just don't want to pay massive penalties withdrawing from an IRA and it's a little big of a chunk all at once.
My financial situation:
I am a good candidate for this loan because I have been an attorney for several years and my income steadily increases.? I am an associate at a very well known and very stable firm.? I have no problem paying my bills and with my fiancee's income as well, our cash flow is VERY positive.? That's even after tithing to our church and putting away a regular amount for retirement.? I will certainly pay this loan back early.
Other:
I found Prosper.com through Lending Tree and the e-mail I recieved from them said that I?was "pre-approved"?for a $5000 loan at this rate (12.41%) through Prosper.? Prosper recommended something higher by default, but I figured I'd give this a try, since that's what was recommended initially.? Thanks!
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
467169
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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:
| 8.20% |
Starting borrower rate/APR:
| 9.20% / 12.75% |
Starting monthly payment:
| $31.89 |
|
Auction yield range:
| 3.93% - 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-1996 |
Debt/Income ratio:
| Not calculated |
Basic (1-10):
| 9 |
Inquiries last 6m:
| 0 | Employment status: | Part-time employee |
Enhanced (1-5): | 5 |
Current / open credit lines:
| 6
/
6 | Length of status: | 3y 2m |
Credit score:
| 700-719 (Jul-2010) |
Total credit lines:
| 19 |
Occupation: | Other |
Now delinquent:
| 0 |
Revolving credit balance:
| $118 | Stated income: | $1-$24,999 |
Amount delinquent:
| $0 |
Bankcard utilization:
| 3% | | |
Public records last 12m / 10y:
| 0/ 1 |
Homeownership:
| No | | |
Delinquencies in last 7y:
| 11 | | | | |
Screen name:
| exciting-basis8 |
Borrower's state:
| Minnesota |
Borrower's group:
| 440+ Supporting Lenders. Get FUNDED @ LOWER % than ANY group |
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Description
Education to Help Others
Purpose of loan:
This loan will be used for a distance learning educational program. My goal is to become very active in the natural healing field because I enjoy helping people become healthier. After two years of self-studying I knew that I definitely wanted to pursue a career in this field. Next, I did extensive research for a few months on schools that offer distance learning programs. Now that I located the best accredited school I am ready to get started as soon as possible. It's a two year program, but I am planning on finishing in about one year or less.
There are no traditional colleges that offer programs in the natural healing field. So, I have to attend a specialized college in which federal student loans are not available.
This educational program will allow me to create my own successful natural healing business. Plus, I have the option to work for someone else right after graduating while in the process of establishing my business. The college offers free internships along with helping graduates to find jobs. Also after graduating, I will be able to obtain national certification from at least two different boards.
My financial situation:
I am a good candidate for this loan because I can be trusted to pay back the loan early. I have been at my current place of employment since May 2007, and plan on staying there until I get hired for a better paying job. During these years I have never missed a day of work, and have always been early when arriving at work.
The reason why my past credit history is not great is due to a severe skiing accident that almost killed me. At that time I had no health insurance, physically could not work, and got stuck in a bad financial situation. I learned from those mistakes and strive hard to ensure they never happen again. Now I have health insurance along with a savings account.
Another reason why I can be trusted to pay off the loan early is because I might need another loan to help start my own business after graduating. I need a good reputation on here so I will have the option available for future funding. Since the monthly payment is low it will be very easy for me to make monthly payments consistently on-time until the entire loan is paid off.
Next year when I get my tax refunds I plan on using the majority of that money to pay off most of the loan. I really want to get started on learning very soon, and hope you will be able to assist me along this journey.
Thank you for taking time to consider funding my loan. Please contact me with any questions. I wish you great health for life, and thank you in advance if you can assist me financially.
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
467171
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount:
| $1,250.00 |
Prosper Rating:
| HR |
Auction Duration:
| 7 days
|
Term:
| 36 months |
Estimated loss:
| 19.0% | | |
| | |
|
Starting lender yield:
| 34.00% |
Starting borrower rate/APR:
| 35.00% / 38.30% |
Starting monthly payment:
| $56.55 |
|
Auction yield range:
| 16.93% - 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:
| 18% |
Basic (1-10):
| 5 |
Inquiries last 6m:
| 1 | Employment status: | Full-time employee |
Enhanced (1-5): | 3 |
Current / open credit lines:
| 3
/
4 | Length of status: | 2y 0m |
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:
| 10 ( 100% )
| 620-639 (Latest)
|
Principal borrowed:
| $1,600.00 | < 31 days late:
| 0
( 0% )
| 640-659
(Aug-2009)
|
Principal balance:
| $1,277.64 |
31+ days late:
| 0
( 0% )
|
Total payments billed:
| 10 | | |
Description
Relocation
Purpose of loan:
My husband and I are moving out of the area due to a new employment opprotunity.? We need this money in order to secure a new place to live and a moving truck.? We are really excited about moving.
My financial situation:
I am a good candidate for this loan because I am a responsible person.? I have excellant income and will be recieving a raise in July.? I may have made mistakes in the past but I am a good person who has learned from those mistake.? I have another prosper loan and have never missed a payment.??I am continuing to work until we move and my new job will pay even more than my current.?
Monthly net income: $ 3778 will be $3990 end of this month
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
467173
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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:
| 25.33% |
Starting borrower rate/APR:
| 26.33% / 28.65% |
Starting monthly payment:
| $101.17 |
|
Auction yield range:
| 10.93% - 25.33% |
Estimated loss impact:
| 10.63% | | |
Lender servicing fee:
| 1.00% |
Estimated return:
| 14.70% | | |
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper scores:
| |
First credit line:
| Jun-1999 |
Debt/Income ratio:
| Self-employed (DTI Not Calculated) |
Basic (1-10):
| 7 |
Inquiries last 6m:
| 1 | Employment status: | Self-employed |
Enhanced (1-5): | 3 |
Current / open credit lines:
| 7
/
6 | Length of status: | 20y 6m |
Credit score:
| 680-699 (Jul-2010) |
Total credit lines:
| 10 |
Occupation: | Principal |
Now delinquent:
| 0 |
Revolving credit balance:
| $2,981 | Stated income: | $75,000-$99,999 |
Amount delinquent:
| $0 |
Bankcard utilization:
| 46% | | |
Public records last 12m / 10y:
| 0/ 4 |
Homeownership:
| No | | |
Delinquencies in last 7y:
| 0 | | | | |
Screen name:
| Compelling-Designs |
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
Expand my Design Business
Purpose of loan:
This loan will be used to purchase a second computer workstation for my business. I am an Art Director/Graphic Design Professional and my core client base is comprised of businesses that serve the San Francisco tourism and visitor industry (Open-top Buses, Bike Rental, Segway Rental, Visitor Publications, etc.). While most of the economy is sputtering along, the tourism business in San Francisco is doing extremely well due to a significant increase in domestic tourism. I need to purchase a second workstation because I need to hire another freelance designer to work directly under me and assist me with the significantly increased workload.
My financial situation:
I am a good candidate for this loan because I have more than enough consistent and steady income from my work to repay this loan, because I have become truly fanatical about maintaining an excellent credit standing after rising from credit problems in the distant past, and because my daughter is just starting Kindergarten and I suddenly have about $1,200 per month freed-up each month now that I no longer have to pay for her expensive private pre-school and day care. In fact, my goal is to have paid off this entire loan within the first 6-12 months.I am new to Peer-to-Peer lending and am very excited about it. Two days ago I invested $100.00 to help a Prosper member's Family restaurant business expand, and have made a personal commitment to invest a minimum of $200.00 every month on Individual Prosper loans from this point forward.I have recently paid down all of my credit cards to the 10-15% utilization range (which is not reflected in my Prosper Credit Profile), and could easily use some of my available credit to make this computer workstation purchase... and will do so if the Propser community does not find interest in funding my request. However, I would so much rather work with people like all of us at Prosper and see Propser investors profit from this loan rather than one of my big-bank credit card companies. It is that notion that makes me excited to be a current and future Prosper investor and borrower. Peer-to-Peer lending is so great on so many levels!FYI: The one black mark on my Credit Profile relates to Public Records in the last 10 years. As you all probably know, Public records remain on your report for 10 years after they were resolved. The notation of 4 public records pertains to a tax fight I had with the State and the IRS in the mid to late 1990's. While everything was eventually resolved in my favor, and the amount notated on the public record was determined to be completely wrong, the mark still stains my credit record all these years later. In 2011 the first two fall off, and in 2012 the second two fall off. Once that happens my credit score will shoot up to the mid-to-high 700's.
Thank you for your consideration!
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
467181
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount:
| $15,000.00 |
Prosper Rating:
| D |
Auction Duration:
| 7 days
|
Term:
| 36 months |
Estimated loss:
| 10.0% | | |
| | |
|
Starting lender yield:
| 27.33% |
Starting borrower rate/APR:
| 28.33% / 30.68% |
Starting monthly payment:
| $623.13 |
|
Auction yield range:
| 10.93% - 27.33% |
Estimated loss impact:
| 10.68% | | |
Lender servicing fee:
| 1.00% |
Estimated return:
| 16.65% | | |
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper scores:
| |
First credit line:
| Oct-1987 |
Debt/Income ratio:
| 53% |
Basic (1-10):
| 7 |
Inquiries last 6m:
| 1 | Employment status: | Retired |
Enhanced (1-5): | 3 |
Current / open credit lines:
| 12
/
12 | Length of status: | 6y 8m |
Credit score:
| 720-739 (Jul-2010) |
Total credit lines:
| 45 | Stated income: | $50,000-$74,999 |
Now delinquent:
| 0 |
Revolving credit balance:
| $56,864 | |
Amount delinquent:
| $0 |
Bankcard utilization:
| 53% | | |
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| Yes | | |
Delinquencies in last 7y:
| 0 | | | | |
Screen name:
| parsec720 |
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
pay off high rate loan
Purpose of loan:
This loan will be used to? pay off high rate personal loan of $15,000 my current rate is just too high.
My financial situation:
I am a good candidate for this loan because? I can make a monthly payment of $350.00 by way of direct deposit.? I can pay off a low rate in a short period of time.
Monthly net income: $ 5200
Monthly expenses: $
??Housing: $ 1000
??Insurance: $ 425
??Car expenses: $ 400
??Utilities: $ 575
??Phone, cable, internet: $ 325
??Food, entertainment: $ 300
??Clothing, household expenses $ 100
??Credit cards and other loans: $ 375
??Other expenses: $400
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
467183
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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:
| 33.15% |
Starting borrower rate/APR:
| 34.15% / 36.87% |
Starting monthly payment:
| $67.13 |
|
Auction yield range:
| 13.93% - 33.15% |
Estimated loss impact:
| 15.53% | | |
Lender servicing fee:
| 1.00% |
Estimated return:
| 17.62% | | |
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper scores:
| |
First credit line:
| Feb-1996 |
Debt/Income ratio:
| 6% |
Basic (1-10):
| 6 |
Inquiries last 6m:
| 0 | Employment status: | Full-time employee |
Enhanced (1-5): | 5 |
Current / open credit lines:
| 4
/
4 | Length of status: | 13y 4m |
Credit score:
| 640-659 (Jun-2010) |
Total credit lines:
| 25 |
Occupation: | Nurse (RN) |
Now delinquent:
| 1 |
Revolving credit balance:
| $1,225 | Stated income: | $50,000-$74,999 |
Amount delinquent:
| $1,143 |
Bankcard utilization:
| 71% | | |
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| Yes | | |
Delinquencies in last 7y:
| 22 | | | | |
Screen name:
| green-radiant-rupee |
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
Pay off high interest payday loans
Purpose of loan:
This loan will be used to pay off high interest payday.?
I am a good candidate for this loan because I?need to get these loans paid off.?I want out of this cycle. The payday loans payments?eat up my pay check.?I?employed full time?in a stable job. ?I?can and will pay this loan off.
Monthly net income: $
2400.00
Monthly expenses: $
??Housing: $ 1143.00
??Insurance: $ 107.00
??Car expenses: $?automatically taken out of my husband's?paycheck before we get it
??Utilities: $ 150.00
??Phone, cable, internet: $ 170.00
??Food, entertainment: $ 150.00
??Clothing, household expenses $ 75.00
??Credit cards and other loans: $ 123
??Other expenses: $
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
467187
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount:
| $10,500.00 |
Prosper Rating:
| A |
Auction Duration:
| 7 days
|
Term:
| 36 months |
Estimated loss:
| 2.1% | | |
| | |
|
Starting lender yield:
| 9.28% |
Starting borrower rate/APR:
| 10.28% / 12.39% |
Starting monthly payment:
| $340.19 |
|
Auction yield range:
| 3.93% - 9.28% |
Estimated loss impact:
| 2.13% | | |
Lender servicing fee:
| 1.00% |
Estimated return:
| 7.15% | | |
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments 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-1985 |
Debt/Income ratio:
| 44% |
Basic (1-10):
| 9 |
Inquiries last 6m:
| 1 | Employment status: | Full-time employee |
Enhanced (1-5): | 2 |
Current / open credit lines:
| 17
/
13 | Length of status: | 28y 5m |
Credit score:
| 700-719 (Jul-2010) |
Total credit lines:
| 67 |
Occupation: | Military Enlisted |
Now delinquent:
| 0 |
Revolving credit balance:
| $182,520 | Stated income: | $75,000-$99,999 |
Amount delinquent:
| $0 |
Bankcard utilization:
| 80% | | |
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| Yes | | |
Delinquencies in last 7y:
| 0 | | | | |
Screen name:
| Authenticity |
Borrower's state:
| Florida |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Description
My personal loan
Purpose of loan:
This loan will be used to pay off a higher interest cc.
My financial situation:
I am a good candidate for this loan because I have never defaulted on a loan or?missed a payment and morever I will not be incuring?another monthly payment since this will be used to payoff an existing card balance.
Monthly net income: $ 7383
Monthly expenses: $
??Housing: $?1665.00
??Insurance: $ 120.37
??Car expenses: $?646.00
??Utilities: $ 0
??Phone, cable, internet: $87.00?
??Food, entertainment: $300.00
??Clothing, household expenses $50
??Credit cards and other loans: $ 2500
??Other expenses: $
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
467193
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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:
| 16.93% - 34.00% |
Estimated loss impact:
| 20.01% | | |
Lender servicing fee:
| 1.00% |
Estimated return:
| 13.99% | | |
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper scores:
| |
First credit line:
| Nov-1976 |
Debt/Income ratio:
| Not calculated |
Basic (1-10):
| 5 |
Inquiries last 6m:
| 3 | Employment status: | Full-time employee |
Enhanced (1-5): | 2 |
Current / open credit lines:
| 5
/
4 | Length of status: | 1y 2m |
Credit score:
| 640-659 (Jul-2010) |
Total credit lines:
| 19 |
Occupation: | Engineer - Mechanic... |
Now delinquent:
| 0 |
Revolving credit balance:
| $6,981 | Stated income: | $100,000+ |
Amount delinquent:
| $0 |
Bankcard utilization:
| 64% | | |
Public records last 12m / 10y:
| 0/ 1 |
Homeownership:
| Yes | | |
Delinquencies in last 7y:
| 4 | | | | |
Screen name:
| energy2008 |
Borrower's state:
| California |
Borrower's group:
| BORROWERS - Free instant Listings - LARGEST GROUP |
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan history | Payment history | Credit score history |
Active / total loans:
| 0 / 1 |
On-time:
| 24 ( 96% )
| 640-659 (Latest)
|
Principal borrowed:
| $2,551.00 | < 31 days late:
| 1
( 4% )
| 640-659
(Apr-2010)
600-619
(May-2009)
600-619
(Feb-2008)
600-619
(Jan-2008)
|
Principal balance:
| $0.01 |
31+ days late:
| 0
( 0% )
|
Total payments billed:
| 25 | | |
Description
Provide extra cash for wedding
Purpose of loan:
This loan will be used help subsidize my upcoming wedding. We are getting married on August 8th and need additional funds to make paying for the reception less traumatic.
My financial situation:
I am a good candidate for this loan because I am employed as an energy engineer helping the USAF save energy and have just started the second year of a consulting contract.?
Monthly net income: $10000
Monthly expenses: $5000
??Housing: $2095
??Insurance: $400
??Car expenses: $250
??Utilities: $125
??Phone, cable, internet: $200
??Food, entertainment: $300
??Clothing, household expenses $200
??Credit cards and other loans: $250
??Other expenses: $200
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
467195
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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:
| 16.93% - 34.00% |
Estimated loss impact:
| 20.01% | | |
Lender servicing fee:
| 1.00% |
Estimated return:
| 13.99% | | |
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper scores:
| |
First credit line:
| Aug-1990 |
Debt/Income ratio:
| Not calculated |
Basic (1-10):
| 4 |
Inquiries last 6m:
| 0 | Employment status: | Full-time employee |
Enhanced (1-5): | 3 |
Current / open credit lines:
| 12
/
12 | Length of status: | 2y 5m |
Credit score:
| 680-699 (Jul-2010) |
Total credit lines:
| 22 |
Occupation: | Professional |
Now delinquent:
| 0 |
Revolving credit balance:
| $59,566 | Stated income: | $100,000+ |
Amount delinquent:
| $0 |
Bankcard utilization:
| 99% | | |
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| Yes | | |
Delinquencies in last 7y:
| 0 | | | | |
Screen name:
| currency-superstar0 |
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
bathroom fixing
Purpose of loan:
Fixing bathrooms in the house. Leaky plumbing.
My financial situation:
I am a good candidate for this loan because I pay on time. My family has been down on its luck and I've had to support them, but the support has gotten out of control. It's time to cut it off and start building a cushion for myself and fix what needs to get fixed on my end.
Monthly net income: $ 7000
Monthly expenses: $
??Housing: $ 850
??Insurance: $ 100
??Car expenses: $ 150
??Utilities: $ 200
??Phone, cable, internet: $ 100
??Food, entertainment: $ 400
??Clothing, household expenses $ 200
??Credit cards and other loans: $ 2500
??Other expenses: $ 200
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
467197
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount:
| $2,500.00 |
Prosper Rating:
| E |
Auction Duration:
| 7 days
|
Term:
| 36 months |
Estimated loss:
| 14.0% | | |
| | |
|
Starting lender yield:
| 33.23% |
Starting borrower rate/APR:
| 34.23% / 36.67% |
Starting monthly payment:
| $112.00 |
|
Auction yield range:
| 13.93% - 33.23% |
Estimated loss impact:
| 15.53% | | |
Lender servicing fee:
| 1.00% |
Estimated return:
| 17.70% | | |
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:
| Apr-1992 |
Debt/Income ratio:
| Not calculated |
Basic (1-10):
| 6 |
Inquiries last 6m:
| 1 | Employment status: | Full-time employee |
Enhanced (1-5): | 4 |
Current / open credit lines:
| 11
/
11 | Length of status: | 6y 5m |
Credit score:
| 640-659 (Jul-2010) |
Total credit lines:
| 15 |
Occupation: | Food Service |
Now delinquent:
| 0 |
Revolving credit balance:
| $14,801 | Stated income: | $25,000-$49,999 |
Amount delinquent:
| $0 |
Bankcard utilization:
| 89% | | |
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| No | | |
Delinquencies in last 7y:
| 0 | | | | |
Screen name:
| going-for-it |
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
Business Start-up
Purpose of loan: Business Start-up
This loan will be used to?? purchase business insurance, supplies, marketing materials
My financial situation: Is improving
I am a good candidate for this loan because? I am never late on my monthly bills and can handle the requested monthy payment for this loan. I am in the process of growing a small business which is already generating income.
Monthly net income: $ 3000+
Monthly expenses: $
??Housing: $?700
??Insurance: $ 180
??Car expenses: $ 200
??Utilities: $ 0
??Phone, cable, internet: $ 75
??Food, entertainment: $ 200
??Clothing, household expenses $ 0
??Credit cards and other loans: $ 800
??Other expenses: $ 0
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
467211
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount:
| $22,000.00 |
Prosper Rating:
| HR |
Auction Duration:
| 7 days
|
Term:
| 36 months |
Estimated loss:
| 34.5% | | |
| | |
|
Starting lender yield:
| 17.00% |
Starting borrower rate/APR:
| 19.00% / 21.22% |
Starting monthly payment:
| $806.43 |
|
Auction yield range:
| 16.93% - 17.00% |
Estimated loss impact:
| 35.44% | | |
Lender servicing fee:
| 1.00% |
Estimated return:
| -18.44% | | |
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper scores:
| |
First credit line:
| Jul-1997 |
Debt/Income ratio:
| Not calculated |
Basic (1-10):
| 1 |
Inquiries last 6m:
| 2 | Employment status: | Part-time employee |
Enhanced (1-5): | 3 |
Current / open credit lines:
| 9
/
8 | Length of status: | 1y 7m |
Credit score:
| 660-679 (Jul-2010) |
Total credit lines:
| 30 |
Occupation: | Other |
Now delinquent:
| 3 |
Revolving credit balance:
| $358 | Stated income: | $25,000-$49,999 |
Amount delinquent:
| $6,971 |
Bankcard utilization:
| 1% | | |
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| Yes | | |
Delinquencies in last 7y:
| 25 | | | | |
Screen name:
| carmen63 |
Borrower's state:
| Washington |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Description
paying off on my credit cards
Purpose of loan:
This loan will be used to? goal on my credit cards?pay off and Good credit in my future important ?
My financial situation:
I am a good candidate for this loan because?
Monthly net income: $ 2,339
Monthly expenses: $?
??Housing: $ 600
??Insurance: $ 99
??Car expenses: $ 0
??Utilities: $ 180
??Phone, cable, internet: $ 45
??Food, entertainment: $ 120
??Clothing, household expenses $ 60
??Credit cards and other loans: $680
??Other expenses: $ 0
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
467217
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount:
| $7,000.00 |
Prosper Rating:
| 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:
| $220.32 |
|
Auction yield range:
| 2.93% - 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:
| Sep-1989 |
Debt/Income ratio:
| 24% |
Basic (1-10):
| 9 |
Inquiries last 6m:
| 2 | Employment status: | Full-time employee |
Enhanced (1-5): | 5 |
Current / open credit lines:
| 16
/
16 | Length of status: | 4y 9m |
Credit score:
| 800-819 (Jul-2010) |
Total credit lines:
| 32 |
Occupation: | Professional |
Now delinquent:
| 0 |
Revolving credit balance:
| $8,709 | Stated income: | $50,000-$74,999 |
Amount delinquent:
| $0 |
Bankcard utilization:
| 9% | | |
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| Yes | | |
Delinquencies in last 7y:
| 0 | | | | |
Screen name:
| income-tiramisu |
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
Buying a Truck
Purpose of loan: This loan will be used to purchase a Truck under 7,000 My financial situation: I am a good candidate for this loan because I have excellent credit and great reputation from lenders. I also pay on paying the balance earlier than 36 months.
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
467221
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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:
| 16.93% - 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-1996 |
Debt/Income ratio:
| 30% |
Basic (1-10):
| 4 |
Inquiries last 6m:
| 1 | Employment status: | Full-time employee |
Enhanced (1-5): | 3 |
Current / open credit lines:
| 12
/
9 | Length of status: | 0y 6m |
Credit score:
| 660-679 (Jul-2010) |
Total credit lines:
| 31 |
Occupation: | Nurse (RN) |
Now delinquent:
| 1 |
Revolving credit balance:
| $1,047 | Stated income: | $25,000-$49,999 |
Amount delinquent:
| $1,160 |
Bankcard utilization:
| 40% | | |
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| Yes | | |
Delinquencies in last 7y:
| 0 | | | | |
Screen name:
| community-baron |
Borrower's state:
| Idaho |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Description
My loan for debt consolidation
Purpose of loan:
This loan will be used to?
pay off my pay day loans that I have accumulated to keep my head above water.
My financial situation:
I am a good candidate for this loan because?
I paid off all of my credit card debt recently (from $8000 to 0) and I am striving to become debt free aside from auto, home, and student loans.
Monthly net income: $
3200
Monthly expenses: $
??Housing: $
1244.68
??Insurance: $
??Car expenses: $
366.83
??Utilities: $
100
??Phone, cable, internet: $
275
??Food, entertainment: $
100
??Clothing, household expenses $
50
??Credit cards and other loans: $
100 (student loans)
??Other expenses: $
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
467233
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount:
| $9,000.00 |
Prosper Rating:
| E |
Auction Duration:
| 7 days
|
Term:
| 36 months |
Estimated loss:
| 14.0% | | |
| | |
|
Starting lender yield:
| 19.00% |
Starting borrower rate/APR:
| 20.00% / 22.24% |
Starting monthly payment:
| $334.47 |
|
Auction yield range:
| 13.93% - 19.00% |
Estimated loss impact:
| 14.84% | | |
Lender servicing fee:
| 1.00% |
Estimated return:
| 4.16% | | |
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper scores:
| |
First credit line:
| Apr-2002 |
Debt/Income ratio:
| 18% |
Basic (1-10):
| 6 |
Inquiries last 6m:
| 2 | Employment status: | Full-time employee |
Enhanced (1-5): | 5 |
Current / open credit lines:
| 14
/
12 | Length of status: | 2y 3m |
Credit score:
| 660-679 (Jul-2010) |
Total credit lines:
| 38 |
Occupation: | Computer Programmer |
Now delinquent:
| 0 |
Revolving credit balance:
| $10,069 | Stated income: | $50,000-$74,999 |
Amount delinquent:
| $0 |
Bankcard utilization:
| 41% | | |
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| No | | |
Delinquencies in last 7y:
| 0 | | | | |
Screen name:
| lgh-dc-gal |
Borrower's state:
| Maryland |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Description
Paying off Credit Cards
Purpose of loan:
This loan will be used to pay off some credit card debt.? I am making consistent and large payments at present and I know I could work off the debt eventually, but I am anxious to get out from underneath some rather high APRs.? My current debt is roughly $10k and my payment history is spotless.? I currently have budgeted approximately $600 for monthly payments.? My grand-scheme goal is to get my debt paid off as quickly as possible so that I can start saving money towards purchasing a home before the market turns back up.
My financial situation:
My parents went through a bankruptcy while I was in college, and I had to send money home quite frequently.? Even though I worked two to three jobs most of the time, I still had to live off of credit cards for quite some time.? It took me a couple years, but I have worked hard to get my life and my career to the point that I can aggressively pay down these loans now.? I make over $70k a year, will be receiving a substantial raise in the next 6 months due to an organizational restructuring, and my job is currently paying my student loan bills for me at a rate of $10k per year.? I also live alone with no dependents, so I'm very anxious to put as much money towards this as is necessary.? I could be content to work the debt off the traditional way, but I would love to get out from underneath some of my higher APR credit cards.? Although my debt is roughly $10k, my payment history is spotless.? I also work for the U.S. House of Representatives as a public servant, so I have arguably the best job security possible in this economy.
Monthly net income: $ 3200
Monthly expenses:
??Housing and Utilities: $
1595
? Emergency Savings: $ 200
??Phone, cable, internet: $
185
??Food, entertainment, clothing, groceries, etc: $ 550
??Credit cards and other loans: $ 570
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
467241
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount:
| $12,000.00 |
Prosper Rating:
| D |
Auction Duration:
| 7 days
|
Term:
| 36 months |
Estimated loss:
| 10.0% | | |
| | |
|
Starting lender yield:
| 26.33% |
Starting borrower rate/APR:
| 27.33% / 29.67% |
Starting monthly payment:
| $492.03 |
|
Auction yield range:
| 10.93% - 26.33% |
Estimated loss impact:
| 10.65% | | |
Lender servicing fee:
| 1.00% |
Estimated return:
| 15.68% | | |
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper scores:
| |
First credit line:
| May-2000 |
Debt/Income ratio:
| 31% |
Basic (1-10):
| 6 |
Inquiries last 6m:
| 0 | Employment status: | Full-time employee |
Enhanced (1-5): | 5 |
Current / open credit lines:
| 3
/
3 | Length of status: | 12y 8m |
Credit score:
| 740-759 (Jul-2010) |
Total credit lines:
| 32 |
Occupation: | Clerical |
Now delinquent:
| 0 |
Revolving credit balance:
| $11,157 | Stated income: | $25,000-$49,999 |
Amount delinquent:
| $0 |
Bankcard utilization:
| 48% | | |
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| No | | |
Delinquencies in last 7y:
| 0 | | | | |
Screen name:
| compassionate-return5 |
Borrower's state:
| Illinois |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Description
Paying off my credit cards
Purpose of loan:
This loan will be used to?? To payoff all my credit cards. I learned my lesson to never open up credit cards accounts again.
My financial situation:
I am a good candidate for this loan because?? I've been with the company for 12 years and I am very responsible person. These credit cards are killing me with their interest rates.
Monthly net income: $
2,000
Monthly expenses: $
??Housing: $ 700
??Insurance: $ 69
??Car expenses: $?60
??Utilities: $ 80
??Phone, cable, internet: $ 80
??Food, entertainment: $ 100
??Clothing, household expenses $ 100
??Credit cards and other loans: $ 500
??Other expenses: $ 400
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
467245
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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:
| D |
Auction Duration:
| 7 days
|
Term:
| 36 months |
Estimated loss:
| 10.0% | | |
| | |
|
Starting lender yield:
| 11.50% |
Starting borrower rate/APR:
| 12.50% / 14.64% |
Starting monthly payment:
| $284.36 |
|
Auction yield range:
| 10.93% - 11.50% |
Estimated loss impact:
| 10.24% | | |
Lender servicing fee:
| 1.00% |
Estimated return:
| 1.26% | | |
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper scores:
| |
First credit line:
| Feb-1998 |
Debt/Income ratio:
| Not calculated |
Basic (1-10):
| 6 |
Inquiries last 6m:
| 0 | Employment status: | Full-time employee |
Enhanced (1-5): | 5 |
Current / open credit lines:
| 8
/
5 | Length of status: | 1y 2m |
Credit score:
| 740-759 (Jul-2010) |
Total credit lines:
| 14 |
Occupation: | Other |
Now delinquent:
| 0 |
Revolving credit balance:
| $2,524 | 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:
| cinvio |
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
Consolidating Debt
The purpose of this loan is to hasten my goal of paying off my debt, while possibly lower my monthly payment as well. Consistently, I have been able to pay more than the minimum payment to apply to my priniciple in order to attain my goal of zero credit card debt. This opportunity would allow me to get there faster, in the hopes of rebuilding my savings as well. I feel I am throwing my money away on the interest charges, where I would much rather see that go towards savings, obtaining health insurance and free the debt reins.
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
467263
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount:
| $3,500.00 |
Prosper Rating:
| HR |
Auction Duration:
| 7 days
|
Term:
| 36 months |
Estimated loss:
| 18.0% | | |
| | |
|
Starting lender yield:
| 19.00% |
Starting borrower rate/APR:
| 20.00% / 22.24% |
Starting monthly payment:
| $130.07 |
|
Auction yield range:
| 16.93% - 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:
| Jul-2007 |
Debt/Income ratio:
| Not calculated |
Basic (1-10):
| 5 |
Inquiries last 6m:
| 0 | Employment status: | Full-time employee |
Enhanced (1-5): | 5 |
Current / open credit lines:
| 4
/
4 | Length of status: | 2y 11m |
Credit score:
| 720-739 (Jul-2010) |
Total credit lines:
| 11 |
Occupation: | Student - College S... |
Now delinquent:
| 0 |
Revolving credit balance:
| $606 | Stated income: | $1-$24,999 |
Amount delinquent:
| $0 |
Bankcard utilization:
| 35% | | |
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| No | | |
Delinquencies in last 7y:
| 0 | | | | |
Screen name:
| diversification-dolphin |
Borrower's state:
| Wisconsin |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Description
Paying for college
Purpose of Loan
This loan will be used to finish paying off the last of my tuition at Loyola University of Chicago. I am confident that I am a good candidate because, not only have I never been late on a payment, but I am a driven young woman who works 30+ hours a week while going to school full time. I am extremely independent and responsible, always budgeting my money extremely well. I just can't come up with enough money to pay for the last of my tuition and am stuck in a position without a cosigner. Anyone that would be willing to help me would be a lifesaver!
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
467275
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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:
| 7.93% - 18.90% |
Estimated loss impact:
| 6.94% | | |
Lender servicing fee:
| 1.00% |
Estimated return:
| 11.96% | | |
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper scores:
| |
First credit line:
| Nov-1971 |
Debt/Income ratio:
| 18% |
Basic (1-10):
| 10 |
Inquiries last 6m:
| 1 | Employment status: | Full-time employee |
Enhanced (1-5): | 5 |
Current / open credit lines:
| 12
/
8 | Length of status: | 9y 2m |
Credit score:
| 680-699 (Jul-2010) |
Total credit lines:
| 32 |
Occupation: | Professional |
Now delinquent:
| 1 |
Revolving credit balance:
| $10,849 | Stated income: | $50,000-$74,999 |
Amount delinquent:
| $0 |
Bankcard utilization:
| 4% | | |
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| Yes | | |
Delinquencies in last 7y:
| 44 | | | | |
Screen name:
| jtesta76 |
Borrower's state:
| Ohio |
Borrower's group:
| HARD MONEY LOANS |
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Description
New baby, new expenses.
Purpose of loan:
This loan will be used to cover expenses of having a new baby until my wife is able to return to work.
My financial situation: We are in a stable financial situation, but lack a large savings.
I am a good candidate for this loan because I have stable job and I have worked very hard to improve my credit score over the last 4 years. I have been able to keep all of my debts current over the past 18 months. I am on my way to being credit card debt-free in the next 12-18 months.
Monthly net income: $ 3700
Monthly expenses: $ 3000
??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
467277
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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:
| 19.01% |
Starting borrower rate/APR:
| 20.01% / 22.25% |
Starting monthly payment:
| $92.92 |
|
Auction yield range:
| 7.93% - 19.01% |
Estimated loss impact:
| 6.94% | | |
Lender servicing fee:
| 1.00% |
Estimated return:
| 12.07% | | |
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:
| May-1996 |
Debt/Income ratio:
| 35% |
Basic (1-10):
| 9 |
Inquiries last 6m:
| 4 | Employment status: | Full-time employee |
Enhanced (1-5): | 2 |
Current / open credit lines:
| 7
/
7 | Length of status: | 11y 0m |
Credit score:
| 680-699 (Jun-2010) |
Total credit lines:
| 21 |
Occupation: | Laborer |
Now delinquent:
| 0 |
Revolving credit balance:
| $22,140 | Stated income: | $50,000-$74,999 |
Amount delinquent:
| $0 |
Bankcard utilization:
| 41% | | |
Public records last 12m / 10y:
| 0/ 1 |
Homeownership:
| No | | |
Delinquencies in last 7y:
| 0 | | | | |
Screen name:
| safe-dedication9 |
Borrower's state:
| Michigan |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Description
Paying off funeral expenses
Purpose of loan:
The purpose of this loan is to pay off my expenses from my son's funeral.? I can make the payments.? If you look at my records I have not missed a payment on anything in seven years.? The reason I have so much debt is two years ago I tore my acl and mcl and could not work for five months.? I am selling my current car and I?am going to buy something cheaper which lower my debt to income ratio.??I'm also working more overtime so I earn?four hundred dollars more a month.? ?I am a good risk and I will not let the person who loans me this money down.?Thank you for you Time!
Monthly net income: $ 5700
Monthly expenses: $ 4500
??Housing: $0 the house is in my wife's name?
??Insurance: $800 per year
??Car expenses: $623 This car will soon be sold.? I have a buyer all set.
??Utilities: $340
??Phone, cable, internet: $200
??Food, entertainment: $659
??Clothing, household expenses 176.
??Credit cards and other loans: $ 247
??Other expenses: $
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
467283
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount:
| $3,000.00 |
Prosper Rating:
| C |
Auction Duration:
| 7 days
|
Term:
| 36 months |
Estimated loss:
| 6.5% | | |
| | |
|
Starting lender yield:
| 18.90% |
Starting borrower rate/APR:
| 19.90% / 22.14% |
Starting monthly payment:
| $111.34 |
|
Auction yield range:
| 7.93% - 18.90% |
Estimated loss impact:
| 6.94% | | |
Lender servicing fee:
| 1.00% |
Estimated return:
| 11.96% | | |
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper scores:
| |
First credit line:
| Nov-1989 |
Debt/Income ratio:
| 14% |
Basic (1-10):
| 9 |
Inquiries last 6m:
| 2 | Employment status: | Full-time employee |
Enhanced (1-5): | 4 |
Current / open credit lines:
| 11
/
9 | Length of status: | 10y 7m |
Credit score:
| 680-699 (Jun-2010) |
Total credit lines:
| 35 |
Occupation: | Other |
Now delinquent:
| 0 |
Revolving credit balance:
| $1,082 | Stated income: | $50,000-$74,999 |
Amount delinquent:
| $0 |
Bankcard utilization:
| 5% | | |
Public records last 12m / 10y:
| 0/ 1 |
Homeownership:
| No | | |
Delinquencies in last 7y:
| 29 | | | | |
Screen name:
| reagolden |
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:
| 0 / 1 |
On-time:
| 21 ( 100% )
| 680-699 (Latest)
|
Principal borrowed:
| $1,000.00 | < 31 days late:
| 0
( 0% )
| 700-719
(Apr-2010)
620-639
(May-2007)
|
Principal balance:
| $0.00 |
31+ days late:
| 0
( 0% )
|
Total payments billed:
| 21 | | |
Description
Starting Own Pet Service Business
I'm a single mom with a small farm and 17 rescued companion animals including Parrots, Horses, and Dogs. I love working with companion animals and want to make it my career eventually. I have a part-time pet sitting business and am certified in behavior, grooming and dog obedience.
Years ago I had a car accident and lost income and went through a divorce. The impact on my credit is reflected from those past issues but I have reestablished myself and worked very hard.
I also have a business background with 20 years of banking that includes small business and residential mortgages. Thanks for your support and I hope you will be able to bid with confidence on my listing.
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
467287
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount:
| $25,000.00 |
Prosper Rating:
| HR |
Auction Duration:
| 7 days
|
Term:
| 36 months |
Estimated loss:
| 34.5% | | |
| | |
|
Starting lender yield:
| 34.00% |
Starting borrower rate/APR:
| 35.00% / 37.45% |
Starting monthly payment:
| $1,130.90 |
|
Auction yield range:
| 16.93% - 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-1994 |
Debt/Income ratio:
| Self-employed (DTI Not Calculated) |
Basic (1-10):
| 1 |
Inquiries last 6m:
| 2 | Employment status: | Self-employed |
Enhanced (1-5): | 1 |
Current / open credit lines:
| 11
/
10 | Length of status: | 2y 1m |
Credit score:
| 700-719 (Jul-2010) |
Total credit lines:
| 37 |
Occupation: | Construction |
Now delinquent:
| 0 |
Revolving credit balance:
| $28,716 | Stated income: | $50,000-$74,999 |
Amount delinquent:
| $0 |
Bankcard utilization:
| 99% | | |
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| Yes | | |
Delinquencies in last 7y:
| 0 | | | | |
Screen name:
| blue-durability-superstar |
Borrower's state:
| Colorado |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Description
Pay off my debt
Purpose of loan:
This loan will be used to pay off debt.
My financial situation:
I am a good candidate for this loan because I am hard worker and I pay my bills.
Monthly net income: $ 5700.00
Monthly expenses: $
??Housing: $ 1600
??Insurance: $?100
??Car expenses: $ 0
? Utilities: $ 150
??Phone, cable, internet: $ 200
??Food, entertainment: $ 100
??Clothing, household expenses $?100
??Credit cards and other loans: $ 8-00
Other expenses: $
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
467301
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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:
| 29.00% |
Starting borrower rate/APR:
| 30.00% / 32.38% |
Starting monthly payment:
| $212.26 |
|
Auction yield range:
| 10.93% - 29.00% |
Estimated loss impact:
| 10.73% | | |
Lender servicing fee:
| 1.00% |
Estimated return:
| 18.27% | | |
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper scores:
| |
First credit line:
| Jul-1988 |
Debt/Income ratio:
| 44% |
Basic (1-10):
| 8 |
Inquiries last 6m:
| 0 | Employment status: | Full-time employee |
Enhanced (1-5): | 2 |
Current / open credit lines:
| 18
/
16 | Length of status: | 5y 1m |
Credit score:
| 680-699 (Jun-2010) |
Total credit lines:
| 36 |
Occupation: | Professional |
Now delinquent:
| 0 |
Revolving credit balance:
| $43,759 | 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:
| bid-laser5 |
Borrower's state:
| Oregon |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Description
paying off credit cards
Purpose of loan:
This loan will be used for?
I would like to pay high int credit cards and HELP my son start college in the fall,
My financial situation:
I am a good candidate for this loan because??
I always pay my bills on time, you may see one neg account on my credit report about a cell phone bill. that was my daughters who did not pay her last bill I was also on the account but found out to late but I did pay off the balance, so I want you to know I will repay this loan other than that i have no late pays and i want to keep my good credit I'v been working in the same field for over 25 years? with no layoff my husbands net income is 3200 a month and he takes care of the housing cost. I hope I can earn your trust I will repay this loan THANK You
Monthly net income: $
2600 my
Monthly expenses: $
??Housing: $?0??Insurance: $ 100
??Car expenses: $ 140
??Utilities: $ 100
??Phone, cable, internet: $ 75
??Food, entertainment: $ 200
??Clothing, household expenses $?100
??Credit cards and other loans: $500?
??Other expenses: $
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
467307
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount:
| $12,000.00 |
Prosper Rating:
| AA |
Auction Duration:
| 7 days
|
Term:
| 36 months |
Estimated loss:
| 1.5% | | |
| | |
|
Starting lender yield:
| 5.75% |
Starting borrower rate/APR:
| 6.75% / 7.09% |
Starting monthly payment:
| $369.16 |
|
Auction yield range:
| 2.93% - 5.75% |
Estimated loss impact:
| 1.50% | | |
Lender servicing fee:
| 1.00% |
Estimated return:
| 4.25% | | |
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-1987 |
Debt/Income ratio:
| 5% |
Basic (1-10):
| 8 |
Inquiries last 6m:
| 0 | Employment status: | Full-time employee |
Enhanced (1-5): | 5 |
Current / open credit lines:
| 7
/
7 | Length of status: | 4y 9m |
Credit score:
| 840-859 (Jul-2010) |
Total credit lines:
| 27 |
Occupation: | Computer Programmer |
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:
| unrivaled-liberty |
Borrower's state:
| Georgia |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan history | Payment history | Credit score history |
Active / total loans:
| 1 / 1 |
On-time:
| 9 ( 100% )
| 840-859 (Latest)
|
Principal borrowed:
| $4,000.00 | < 31 days late:
| 0
( 0% )
| 820-839
(Sep-2009)
|
Principal balance:
| $3,086.13 |
31+ days late:
| 0
( 0% )
|
Total payments billed:
| 9 | | |
Description
Expanding Operations
Purpose of loan:
This loan will be used?to?help fund additional expansion of my business.
Business is going very well right?now, and I need to expand operations.
This is a very good loan for Prosper Members to fund.?You will get?the benefit of a safe loan that will get paid back in a very timely maner.
My financial situation:
I am a good candidate for this loan because?I am in great financial standing?and look forward in create a Win-Win relationship with other Prosper members.
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
467313
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount:
| $1,650.00 |
Prosper Rating:
| HR |
Auction Duration:
| 7 days
|
Term:
| 36 months |
Estimated loss:
| 19.0% | | |
| | |
|
Starting lender yield:
| 34.00% |
Starting borrower rate/APR:
| 35.00% / 37.48% |
Starting monthly payment:
| $74.64 |
|
Auction yield range:
| 16.93% - 34.00% |
Estimated loss impact:
| 21.01% | | |
Lender servicing fee:
| 1.00% |
Estimated return:
| 12.99% | | |
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper scores:
| |
First credit line:
| Oct-2001 |
Debt/Income ratio:
| Not calculated |
Basic (1-10):
| 4 |
Inquiries last 6m:
| 5 | Employment status: | Full-time employee |
Enhanced (1-5): | 3 |
Current / open credit lines:
| 3
/
3 | Length of status: | 2y 3m |
Credit score:
| 620-639 (Jul-2010) |
Total credit lines:
| 11 |
Occupation: | Truck Driver |
Now delinquent:
| 0 |
Revolving credit balance:
| $295 | Stated income: | $1-$24,999 |
Amount delinquent:
| $0 |
Bankcard utilization:
| 39% | | |
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| No | | |
Delinquencies in last 7y:
| 11 | | | | |
Screen name:
| nshabani6 |
Borrower's state:
| Wisconsin |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan history | Payment history | Credit score history |
Active / total loans:
| 0 / 2 |
On-time:
| 19 ( 100% )
| 620-639 (Latest)
|
Principal borrowed:
| $4,200.00 | < 31 days late:
| 0
( 0% )
| 680-699
(Jan-2010)
640-659
(May-2008)
|
Principal balance:
| $0.92 |
31+ days late:
| 0
( 0% )
|
Total payments billed:
| 19 | | |
Description
Debt Consolidation
Purpose of loan:
This loan will be used to consolidate some recent purchases and credit cards .
My financial situation:
I am a good candidate for this loan because?
I have not had a delinquincy in over 5 years. This will be my 3rd prosper loan , 100% on time on the previous 2.
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
467317
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount:
| $6,000.00 |
Prosper Rating:
| HR |
Auction Duration:
| 7 days
|
Term:
| 36 months |
Estimated loss:
| 34.5% | | |
| | |
|
Starting lender yield:
| 34.00% |
Starting borrower rate/APR:
| 35.00% / 37.45% |
Starting monthly payment:
| $271.42 |
|
Auction yield range:
| 16.93% - 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-1997 |
Debt/Income ratio:
| 20% |
Basic (1-10):
| 1 |
Inquiries last 6m:
| 5 | Employment status: | Full-time employee |
Enhanced (1-5): | 1 |
Current / open credit lines:
| 6
/
6 | Length of status: | 12y 5m |
Credit score:
| 660-679 (Jul-2010) |
Total credit lines:
| 33 |
Occupation: | Teacher |
Now delinquent:
| 2 |
Revolving credit balance:
| $293 | Stated income: | $25,000-$49,999 |
Amount delinquent:
| $448 |
Bankcard utilization:
| 17% | | |
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| Yes | | |
Delinquencies in last 7y:
| 9 | | | | |
Screen name:
| faithful43 |
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 for College
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
467319
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount:
| $10,000.00 |
Prosper Rating:
| C |
Auction Duration:
| 7 days
|
Term:
| 36 months |
Estimated loss:
| 8.5% | | |
| | |
|
Starting lender yield:
| 23.51% |
Starting borrower rate/APR:
| 24.51% / 26.81% |
Starting monthly payment:
| $395.01 |
|
Auction yield range:
| 7.93% - 23.51% |
Estimated loss impact:
| 9.06% | | |
Lender servicing fee:
| 1.00% |
Estimated return:
| 14.45% | | |
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper scores:
| |
First credit line:
| Oct-1984 |
Debt/Income ratio:
| 17% |
Basic (1-10):
| 5 |
Inquiries last 6m:
| 4 | Employment status: | Full-time employee |
Enhanced (1-5): | 4 |
Current / open credit lines:
| 8
/
7 | Length of status: | 2y 8m |
Credit score:
| 780-799 (Jul-2010) |
Total credit lines:
| 36 |
Occupation: | Other |
Now delinquent:
| 0 |
Revolving credit balance:
| $66,289 | Stated income: | $75,000-$99,999 |
Amount delinquent:
| $0 |
Bankcard utilization:
| 50% | | |
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| Yes | | |
Delinquencies in last 7y:
| 0 | | | | |
Screen name:
| profitable-pound7 |
Borrower's state:
| Florida |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Description
Paying off my credit cards
Purpose of loan:
This loan will be used to? pay off Discover Card, American Express and renovate master bathroom.
My financial situation: I have always made payments on time
I am a good candidate for this loan because?
Monthly net income: $ 7980
Monthly expenses: $
??Housing: $ 2272
??Insurance: $?paid in full
??Car expenses: $389
??Utilities: $ 115
??Phone, cable, internet: $ 172
??Food, entertainment: $200
??Clothing, household expenses $?250
??Credit cards and other loans: $ 200
??Other expenses: $ 2029-rental property mortgage
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
467331
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount:
| $7,000.00 |
Prosper Rating:
| HR |
Auction Duration:
| 7 days
|
Term:
| 36 months |
Estimated loss:
| 34.5% | | |
| | |
|
Starting lender yield:
| 34.00% |
Starting borrower rate/APR:
| 35.00% / 37.45% |
Starting monthly payment:
| $316.65 |
|
Auction yield range:
| 16.93% - 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:
| 21% |
Basic (1-10):
| 1 |
Inquiries last 6m:
| 3 | Employment status: | Full-time employee |
Enhanced (1-5): | 3 |
Current / open credit lines:
| 9
/
9 | Length of status: | 5y 4m |
Credit score:
| 660-679 (Jul-2010) |
Total credit lines:
| 13 |
Occupation: | Other |
Now delinquent:
| 1 |
Revolving credit balance:
| $2,957 | Stated income: | $50,000-$74,999 |
Amount delinquent:
| $84 |
Bankcard utilization:
| 51% | | |
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| Yes | | |
Delinquencies in last 7y:
| 0 | | | | |
Screen name:
| clean-commitment7 |
Borrower's state:
| California |
Borrower's group:
| 440+ Supporting Lenders. Get FUNDED @ LOWER % than ANY group |
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Description
Expecting Mother( Great Investment)
Purpose of loan:
Maternity leave, blinds and sprinklers
About Me:
I have worked at a local hospital here in?California for?the past?7 years?as a Respiratory Therapist, and?recently?purchased my first home in May 2010. I am also the daughter of a pastor so I am actively involved in my local church and community..?If you would like to know anymore information or have questions just ask.
Explanation of borrower's credit profile
The $84 showm above is from Columbia House & has been resolved.
My financial situation:
I am on good financial footing because?I pay all?my bills on time and?take my financial responsibility very seriously. I also have great job security during these tough economic times so making my monthly payments wont be a problem.
Monthly net income: $ 4,900
Monthly expenses:
??Housing: $ 1,786
??Insurance: $77
??Car expenses: $450?+ Gas $150?
??Utilities: $?350
??Phone, cable, internet: $ 130
??Food, entertainment: $ 500
??Clothing, household expenses $ 300
??Credit cards and other loans: $?105
? Medical expenses : $70
??Other expenses: Tithes 10% of? take home Total = $490
Total monthly expenses?= $ 4,408
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
467335
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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:
| 16.93% - 34.00% |
Estimated loss impact:
| 27.01% | | |
Lender servicing fee:
| 1.00% |
Estimated return:
| 6.99% | | |
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper scores:
| |
First credit line:
| Mar-2000 |
Debt/Income ratio:
| 33% |
Basic (1-10):
| 3 |
Inquiries last 6m:
| 3 | Employment status: | Full-time employee |
Enhanced (1-5): | 3 |
Current / open credit lines:
| 14
/
12 | Length of status: | 11y 11m |
Credit score:
| 680-699 (Jul-2010) |
Total credit lines:
| 26 |
Occupation: | Military Enlisted |
Now delinquent:
| 1 |
Revolving credit balance:
| $14,214 | Stated income: | $50,000-$74,999 |
Amount delinquent:
| $306 |
Bankcard utilization:
| 56% | | |
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| Yes | | |
Delinquencies in last 7y:
| 0 | | | | |
Screen name:
| worlds-best-currency4 |
Borrower's state:
| Alaska |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Description
Credit Debt Consolidation
Purpose of loan:
To pay off credit cards.
My financial situation:
I am a good candidate for this loan because I have a stable source of income and will be completely paying off several credit balances with this loan, therefore improving my credit score and being to pay off this loan quicker.
Monthly net income: $ 5600
Monthly expenses: $
??Housing: $ 800
??Insurance: $ 125
??Car expenses: $ 595?
??Utilities: $ 0
??Phone, cable, internet: $?99
??Food, entertainment: $?200
??Clothing, household expenses $ 50
??Credit cards and other loans: $ 600
??Child Support?expenses: $ 2000
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
467343
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount:
| $2,300.00 |
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:
| $104.04 |
|
Auction yield range:
| 16.93% - 34.00% |
Estimated loss impact:
| 27.01% | | |
Lender servicing fee:
| 1.00% |
Estimated return:
| 6.99% | | |
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper scores:
| |
First credit line:
| Jan-1995 |
Debt/Income ratio:
| 28% |
Basic (1-10):
| 2 |
Inquiries last 6m:
| 25 | Employment status: | Full-time employee |
Enhanced (1-5): | 3 |
Current / open credit lines:
| 12
/
9 | Length of status: | 9y 10m |
Credit score:
| 680-699 (Jun-2010) |
Total credit lines:
| 38 |
Occupation: | Analyst |
Now delinquent:
| 0 |
Revolving credit balance:
| $5,369 | Stated income: | $75,000-$99,999 |
Amount delinquent:
| $0 |
Bankcard utilization:
| 63% | | |
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| Yes | | |
Delinquencies in last 7y:
| 0 | | | | |
Screen name:
| nicnic73 |
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
Not a Bad Risk
Purpose of loan:
This loan will be used complete a project in my new home
My financial situation:
I am a good candidate for this loan because?I have not been late with any of my existing creditors.? Also, I signed up with Lending Tree and was unaware that my credit report would be reviewed by so many lenders.? I believed they would "shop" my loan request.? As a result of this, I believe my credit report has been bombarded with inquiries.? I discovered the numerous inquires as a result of applying with Prosper as a last resort (with so many inquiries, I appear to be a bad credit risk)I do not have 38 lines of credit.? How could I have 38 lines of credit when the line above it says I have 12/9 accounts?? I'm not sure where this information was derived from but my credit payment history, the fact that I was able to purchase home by myself in a poor economic market and I have stable employment with a government agency (I am a Human Resources Analyst, I?earn?$88,000 a year ( with check stubs to support this), and I have been employed by my current emplyer for almost 10 years?makes me a good candidate for this loan.??Thank you for your consideration.
Monthly net income: $ 4300
Monthly expenses: $
??Housing: $ 2180
??Insurance: $ 122
??Car expenses: $ 650
??Utilities: $ 0
??Phone, cable, internet: $ 0
??Food, entertainment: $ 0
??Clothing, household expenses $?0
??Credit cards and other loans: $ 500 (I do not pay the Citifinancial payment, paid for by my fiance)
??Other expenses: $ 100
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
467347
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount:
| $22,000.00 |
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:
| $995.19 |
|
Auction yield range:
| 16.93% - 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:
| 46% |
Basic (1-10):
| 4 |
Inquiries last 6m:
| 0 | Employment status: | Full-time employee |
Enhanced (1-5): | 4 |
Current / open credit lines:
| 9
/
8 | Length of status: | 23y 1m |
Credit score:
| 720-739 (Jul-2010) |
Total credit lines:
| 42 |
Occupation: | Professional |
Now delinquent:
| 0 |
Revolving credit balance:
| $8,108 | Stated income: | $50,000-$74,999 |
Amount delinquent:
| $0 |
Bankcard utilization:
| 91% | | |
Public records last 12m / 10y:
| 0/ 1 |
Homeownership:
| Yes | | |
Delinquencies in last 7y:
| 0 | | | | |
Screen name:
| oncelost54 |
Borrower's state:
| Washington |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan history | Payment history | Credit score history |
Active / total loans:
| 1 / 2 |
On-time:
| 32 ( 100% )
| 720-739 (Latest)
|
Principal borrowed:
| $23,000.00 | < 31 days late:
| 0
( 0% )
| 760-779
(May-2008)
660-679
(Jul-2007)
|
Principal balance:
| $2,698.03 |
31+ days late:
| 0
( 0% )
|
Total payments billed:
| 32 | | |
Description
taking care of mom and dad
Purpose of loan:
This loan will be used to pay off all credit used to purchase fifthwheel RV for dad and mom to live in in our back yard and pay for the construction set up costs includeing the move from calif.?
My financial situation:
I am a good candidate for this loan because My employeement is secure and stable as is my husbands retirement and disability. Monthly net income: $ 5800.00
Monthly expenses: $
??Housing: $ 1979.????
??Insurance: $ 100.
??Car expenses: $ 650.
??Utilities: $ 200.
??Phone, cable, internet: $ 175.00
??Food, entertainment: $ 600.
??Clothing, household expenses $ 100.
??Credit cards and other loans: $ 800.00
??Other expenses: $
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
467353
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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:
| B |
Auction Duration:
| 7 days
|
Term:
| 36 months |
Estimated loss:
| 5.0% | | |
| | |
|
Starting lender yield:
| 12.93% |
Starting borrower rate/APR:
| 14.93% / 17.10% |
Starting monthly payment:
| $69.26 |
|
Auction yield range:
| 5.93% - 12.93% |
Estimated loss impact:
| 5.22% | | |
Lender servicing fee:
| 1.00% |
Estimated return:
| 7.71% | | |
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper scores:
| |
First credit line:
| Apr-2002 |
Debt/Income ratio:
| Not calculated |
Basic (1-10):
| 8 |
Inquiries last 6m:
| 3 | Employment status: | Part-time employee |
Enhanced (1-5): | 3 |
Current / open credit lines:
| 2
/
2 | Length of status: | 2y 2m |
Credit score:
| 740-759 (Jul-2010) |
Total credit lines:
| 3 |
Occupation: | Sales - Retail |
Now delinquent:
| 0 |
Revolving credit balance:
| $3,323 | Stated income: | $1-$24,999 |
Amount delinquent:
| $0 |
Bankcard utilization:
| 17% | | |
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| No | | |
Delinquencies in last 7y:
| 0 | | | | |
Screen name:
| important-gain3 |
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 of car insurance
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
467355
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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:
| C |
Auction Duration:
| 7 days
|
Term:
| 36 months |
Estimated loss:
| 8.0% | | |
| | |
|
Starting lender yield:
| 21.63% |
Starting borrower rate/APR:
| 22.63% / 24.90% |
Starting monthly payment:
| $211.84 |
|
Auction yield range:
| 7.93% - 21.63% |
Estimated loss impact:
| 8.51% | | |
Lender servicing fee:
| 1.00% |
Estimated return:
| 13.12% | | |
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:
| May-2003 |
Debt/Income ratio:
| 12% |
Basic (1-10):
| 8 |
Inquiries last 6m:
| 1 | Employment status: | Full-time employee |
Enhanced (1-5): | 4 |
Current / open credit lines:
| 6
/
5 | Length of status: | 4y 11m |
Credit score:
| 720-739 (Jul-2010) |
Total credit lines:
| 11 |
Occupation: | Other |
Now delinquent:
| 0 |
Revolving credit balance:
| $2,964 | Stated income: | $25,000-$49,999 |
Amount delinquent:
| $0 |
Bankcard utilization:
| 20% | | |
Public records last 12m / 10y:
| 0/ 1 |
Homeownership:
| No | | |
Delinquencies in last 7y:
| 7 | | | | |
Screen name:
| favorite-value |
Borrower's state:
| Mississippi |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Description
Help my mother with some bills
Purpose of loan:
This loan will be used to help my mother with some bills. My stepfather passed 6 months ago and left her with some bills. I am trying to help her get back on her feet, and take some of the pressure off her. I will be responsible for the loan, and able to make the monthly payments. Thanks in advance for considering this loan request.
My financial situation:
I am a good candidate for this loan because I am able to repay?the loan, and pay all my bills on time, I had a bankruptcy in 2005 and have paid all my bills on time every since then. I have also moved in with her to help her out, so I don't have a lot of bills at this time. I am not willing to pay a very high rate.
Monthly net income: $ 1700
Monthly expenses: $
??Housing: $ 0
??Insurance: $ 0
??Car expenses: $?0
??Utilities: $?135
??Phone, cable, internet: $?99
??Food, entertainment: $?75
??Clothing, household expenses $ 75
??Credit cards and other loans: $ 150
??Other expenses: $ 150
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
467367
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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:
| 16.93% - 34.00% |
Estimated loss impact:
| 20.01% | | |
Lender servicing fee:
| 1.00% |
Estimated return:
| 13.99% | | |
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper scores:
| |
First credit line:
| Mar-1987 |
Debt/Income ratio:
| 23% |
Basic (1-10):
| 4 |
Inquiries last 6m:
| 11 | Employment status: | Full-time employee |
Enhanced (1-5): | 2 |
Current / open credit lines:
| 11
/
11 | Length of status: | 21y 8m |
Credit score:
| 700-719 (Jul-2010) |
Total credit lines:
| 60 |
Occupation: | Truck Driver |
Now delinquent:
| 1 |
Revolving credit balance:
| $9,627 | Stated income: | $50,000-$74,999 |
Amount delinquent:
| $0 |
Bankcard utilization:
| 74% | | |
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| Yes | | |
Delinquencies in last 7y:
| 4 | | | | |
Screen name:
| fairness-welder1 |
Borrower's state:
| Nevada |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Description
pay off some debt
Purpose of loan:
This loan will be used to?
My financial situation:
I am a good candidate for this loan because?
Monthly net income: $
Monthly expenses: $
??Housing: $
??Insurance: $
??Car expenses: $
??Utilities: $
??Phone, cable, internet: $
??Food, entertainment: $
??Clothing, household expenses $
??Credit cards and other loans: $
??Other expenses: $
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
467379
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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:
| 19.00% |
Starting borrower rate/APR:
| 20.00% / 22.24% |
Starting monthly payment:
| $130.07 |
|
Auction yield range:
| 16.93% - 19.00% |
Estimated loss impact:
| 26.06% | | |
Lender servicing fee:
| 1.00% |
Estimated return:
| -7.06% | | |
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper scores:
| |
First credit line:
| Oct-2000 |
Debt/Income ratio:
| 30% |
Basic (1-10):
| 3 |
Inquiries last 6m:
| 2 | Employment status: | Full-time employee |
Enhanced (1-5): | 2 |
Current / open credit lines:
| 5
/
5 | Length of status: | 5y 5m |
Credit score:
| 620-639 (Jul-2010) |
Total credit lines:
| 15 |
Occupation: | Other |
Now delinquent:
| 0 |
Revolving credit balance:
| $2,049 | Stated income: | $25,000-$49,999 |
Amount delinquent:
| $0 |
Bankcard utilization:
| 80% | | |
Public records last 12m / 10y:
| 0/ 1 |
Homeownership:
| No | | |
Delinquencies in last 7y:
| 0 | | | | |
Screen name:
| vi3tsk8erboi |
Borrower's state:
| California |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan history | Payment history | Credit score history |
Active / total loans:
| 1 / 1 |
On-time:
| 26 ( 100% )
| 620-639 (Latest)
|
Principal borrowed:
| $5,750.00 | < 31 days late:
| 0
( 0% )
| 620-639
(Jul-2009)
600-619
(Mar-2008)
|
Principal balance:
| $2,064.73 |
31+ days late:
| 0
( 0% )
|
Total payments billed:
| 26 | | |
Description
Debt consolidation
Purpose of loan:
This loan will be used to pay off my 1st loan
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
467391
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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:
| 19.00% |
Starting borrower rate/APR:
| 20.00% / 22.24% |
Starting monthly payment:
| $185.82 |
|
Auction yield range:
| 16.93% - 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:
| May-2004 |
Debt/Income ratio:
| 24% |
Basic (1-10):
| 4 |
Inquiries last 6m:
| 2 | Employment status: | Full-time employee |
Enhanced (1-5): | 2 |
Current / open credit lines:
| 15
/
15 | Length of status: | 1y 6m |
Credit score:
| 640-659 (Jul-2010) |
Total credit lines:
| 21 |
Occupation: | Social Worker |
Now delinquent:
| 1 |
Revolving credit balance:
| $1,860 | Stated income: | $25,000-$49,999 |
Amount delinquent:
| $450 |
Bankcard utilization:
| 56% | | |
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| No | | |
Delinquencies in last 7y:
| 12 | | | | |
Screen name:
| reward-nebula |
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
Clean Slate for Graduate School
Purpose of loan:
This loan will be used to consolidate debt which include medical expenses.
My financial situation:
I am a good candidate for this loan because I am trust worthy and am have not missed a credit card payment in the past 2 years. I have a steady income.
Monthly net income: $ 2400
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
467409
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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:
| 34.00% |
Starting borrower rate/APR:
| 35.00% / 37.45% |
Starting monthly payment:
| $294.03 |
|
Auction yield range:
| 10.93% - 34.00% |
Estimated loss impact:
| 10.87% | | |
Lender servicing fee:
| 1.00% |
Estimated return:
| 23.13% | | |
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper scores:
| |
First credit line:
| Aug-1990 |
Debt/Income ratio:
| 44% |
Basic (1-10):
| 6 |
Inquiries last 6m:
| 1 | Employment status: | Full-time employee |
Enhanced (1-5): | 3 |
Current / open credit lines:
| 17
/
10 | Length of status: | 13y 11m |
Credit score:
| 700-719 (Jul-2010) |
Total credit lines:
| 50 |
Occupation: | Clerical |
Now delinquent:
| 0 |
Revolving credit balance:
| $2,465 | Stated income: | $50,000-$74,999 |
Amount delinquent:
| $0 |
Bankcard utilization:
| 46% | | |
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| Yes | | |
Delinquencies in last 7y:
| 0 | | | | |
Screen name:
| Godbless |
Borrower's state:
| Missouri |
Borrower's group:
| Christian Opportunities |
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan history | Payment history | Credit score history |
Active / total loans:
| 1 / 3 |
On-time:
| 57 ( 74% )
| 700-719 (Latest)
|
Principal borrowed:
| $13,300.00 | < 31 days late:
| 20
( 26% )
| 680-699
(Sep-2009)
600-619
(Oct-2007)
540-559
(Aug-2006)
|
Principal balance:
| $4,088.56 |
31+ days late:
| 0
( 0% )
|
Total payments billed:
| 77 | | |
Description
Paying off my higher interest loans
Purpose of loan:
This loan will be used to pay off higher interest loans.
My financial situation:
I am a good candidate for this loan because I always pay my debts and have paid all Prosper loans in the past few years.?? I have also worked for the same company for almost 14 years.?
Monthly net income: $ 2810
Monthly expenses: $ 2230
??Housing: $ 589
??Insurance: $ 55
??Car expenses: $ 359?
??Utilities: $ 130
??Phone, cable, internet: $ 97
??Food, entertainment: $ 200
??Clothing, household expenses $ 100?
??Credit cards and other loans: $?600
??Other expenses: $ 100
Thank you for blessing me with?this loan and it will definitely be paid in full.
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
467415
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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:
| 16.93% - 17.00% |
Estimated loss impact:
| 18.94% | | |
Lender servicing fee:
| 1.00% |
Estimated return:
| -1.94% | | |
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper scores:
| |
First credit line:
| Jan-1987 |
Debt/Income ratio:
| Self-employed (DTI Not Calculated) |
Basic (1-10):
| 3 |
Inquiries last 6m:
| 3 | Employment status: | Self-employed |
Enhanced (1-5): | 3 |
Current / open credit lines:
| 15
/
14 | Length of status: | 11y 7m |
Credit score:
| 780-799 (Jul-2010) |
Total credit lines:
| 23 |
Occupation: | Other |
Now delinquent:
| 0 |
Revolving credit balance:
| $27,132 | Stated income: | $50,000-$74,999 |
Amount delinquent:
| $0 |
Bankcard utilization:
| 34% | | |
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| Yes | | |
Delinquencies in last 7y:
| 0 | | | | |
Screen name:
| FlyFishingResort4321 |
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
Fly Fishing Resort - Summer Months
Purpose of loan:
This loan will be used to balance cash flow in our summer months.? Our slower time.? In September bookings start for next season.?
My financial situation:
I am a good candidate for this loan because I have paid off over $400,000 of loans in 12 years.? Excellent credit. Not delinquent on anything.? Pay everyone back.
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
467427
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount:
| $2,500.00 |
Prosper Rating:
| AA |
Auction Duration:
| 7 days
|
Term:
| 36 months |
Estimated loss:
| 1.5% | | |
| | |
|
Starting lender yield:
| 7.43% |
Starting borrower rate/APR:
| 8.43% / 8.77% |
Starting monthly payment:
| $78.84 |
|
Auction yield range:
| 2.93% - 7.43% |
Estimated loss impact:
| 1.50% | | |
Lender servicing fee:
| 1.00% |
Estimated return:
| 5.93% | | |
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:
| Sep-1999 |
Debt/Income ratio:
| 37% |
Basic (1-10):
| 7 |
Inquiries last 6m:
| 5 | Employment status: | Full-time employee |
Enhanced (1-5): | 3 |
Current / open credit lines:
| 13
/
12 | Length of status: | 7y 11m |
Credit score:
| 800-819 (Jul-2010) |
Total credit lines:
| 24 |
Occupation: | Teacher |
Now delinquent:
| 0 |
Revolving credit balance:
| $5,730 | Stated income: | $25,000-$49,999 |
Amount delinquent:
| $0 |
Bankcard utilization:
| 12% | | |
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| Yes | | |
Delinquencies in last 7y:
| 0 | | | | |
Screen name:
| ant1pas |
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
I want to pay off my Citi card
Purpose of loan:
This loan will be used to pay off my Citi card, which has a 20% interest rate.? I want to get a lower rate than that and pay it off.?
With balance transfer fees as high as they are, I figured I'd give Prosper a try instead.
My financial situation:
I've been with the same employer for five years and expect to be with them for a long time yet.? Teaching won't make me rich, but it's one of the most secure jobs where I live.
Every loan I've ever taken out has been paid on time and in full.
I plan to keep my spotless credit rating, which means making all my payments.
My financial system is considerably better than the numbers above suggest, since they don't include my wife's income.
I'm just going to have the payments on this loan (less than $80 a month!) withdrawn automatically, so there's not even a chance that I might forget.? Investing in this loan is as safe as stuffing your money under your mattress, and the return is much better.
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
467439
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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:
| 19.00% |
Starting borrower rate/APR:
| 20.00% / 22.24% |
Starting monthly payment:
| $222.98 |
|
Auction yield range:
| 10.93% - 19.00% |
Estimated loss impact:
| 10.45% | | |
Lender servicing fee:
| 1.00% |
Estimated return:
| 8.55% | | |
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper scores:
| |
First credit line:
| Feb-2007 |
Debt/Income ratio:
| 21% |
Basic (1-10):
| 7 |
Inquiries last 6m:
| 0 | Employment status: | Full-time employee |
Enhanced (1-5): | 4 |
Current / open credit lines:
| 6
/
6 | Length of status: | 1y 11m |
Credit score:
| 640-659 (Jul-2010) |
Total credit lines:
| 7 |
Occupation: | Other |
Now delinquent:
| 0 |
Revolving credit balance:
| $5,700 | Stated income: | $1-$24,999 |
Amount delinquent:
| $0 |
Bankcard utilization:
| 60% | | |
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| No | | |
Delinquencies in last 7y:
| 0 | | | | |
Screen name:
| gold-zebra3 |
Borrower's state:
| NewMexico |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Description
finish house projects
Purpose of loan:
This loan will be used to?
finsh house project
My financial situation:
I am a good candidate for this loan because?
i have no collections bankrupcys and have never been late on a bill.
Monthly net income: $
Monthly expenses: $
??Housing: $ 0.00
??Insurance: $ 0.00
??Car expenses: $ 0.00
??Utilities: $?250.00
??Phone, cable, internet: $ 150.00
??Food, entertainment: $?200.00
??Clothing, household expenses $ 0.00
??Credit cards and other loans: $ 300.00
??Other expenses: $
0.00
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
467451
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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:
| 29.00% |
Starting borrower rate/APR:
| 30.00% / 32.38% |
Starting monthly payment:
| $84.90 |
|
Auction yield range:
| 10.93% - 29.00% |
Estimated loss impact:
| 10.73% | | |
Lender servicing fee:
| 1.00% |
Estimated return:
| 18.27% | | |
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments 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-2007 |
Debt/Income ratio:
| 21% |
Basic (1-10):
| 7 |
Inquiries last 6m:
| 0 | Employment status: | Full-time employee |
Enhanced (1-5): | 3 |
Current / open credit lines:
| 2
/
2 | Length of status: | 0y 8m |
Credit score:
| 660-679 (Jun-2010) |
Total credit lines:
| 2 |
Occupation: | Other |
Now delinquent:
| 0 |
Revolving credit balance:
| $1,068 | Stated income: | $1-$24,999 |
Amount delinquent:
| $0 |
Bankcard utilization:
| 55% | | |
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| No | | |
Delinquencies in last 7y:
| 0 | | | | |
Screen name:
| raymi2008 |
Borrower's state:
| RhodeIsland |
Borrower's group:
| 440+ Supporting Lenders. Get FUNDED @ LOWER % than ANY group |
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Description
paying off payday loan build credit
Purpose of loan:
This loan will be used to? two fold to paying off payday loan?and build my credit. I am trying this for the fourth time now so hope this works
My financial situation:
I am a good candidate for this loan because?
I dont want to destroy me credit
Monthly net income: $ 1978
Monthly expenses: $
??Housing: $ 200
??Insurance: $?0
??Car expenses: $ 75
??Utilities: $ 75
??Phone, cable, internet: $ 0
??Food, entertainment: $ 200
??Clothing, household expenses $ 0
??Credit cards and other loans: $?80
??Other expenses: $ 325 interest payday loan
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
467457
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount:
| $12,000.00 |
Prosper Rating:
| B |
Auction Duration:
| 7 days
|
Term:
| 36 months |
Estimated loss:
| 5.0% | | |
| | |
|
Starting lender yield:
| 13.93% |
Starting borrower rate/APR:
| 14.93% / 17.10% |
Starting monthly payment:
| $415.57 |
|
Auction yield range:
| 5.93% - 13.93% |
Estimated loss impact:
| 5.24% | | |
Lender servicing fee:
| 1.00% |
Estimated return:
| 8.69% | | |
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:
| Mar-1988 |
Debt/Income ratio:
| 20% |
Basic (1-10):
| 8 |
Inquiries last 6m:
| 1 | Employment status: | Full-time employee |
Enhanced (1-5): | 3 |
Current / open credit lines:
| 14
/
14 | Length of status: | 12y 1m |
Credit score:
| 740-759 (Jul-2010) |
Total credit lines:
| 28 |
Occupation: | Accountant/CPA |
Now delinquent:
| 0 |
Revolving credit balance:
| $198,970 | Stated income: | $100,000+ |
Amount delinquent:
| $0 |
Bankcard utilization:
| 92% | | |
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| Yes | | |
Delinquencies in last 7y:
| 0 | | | | |
Screen name:
| urbane-return962 |
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 higher interest debt
Purpose of loan:
This loan will be used for debt consolidation in order to reduce interest and to pay off debt sooner.
My financial situation:
I am a good candidate for this loan because I am an employed?CPA with a history of meeting all financial obligations.
Three years ago I was in extremely?sound financial condition and thought the?outlook was just as bright. I was promoted to a?Vice President position at work and was engaged to be married (to a wonderful woman with?twins). After funding the ring, wedding and honeymoon; my work?let go about 35% of their employees,?stopped?payments?performance bonuses and put the rest on a shortened work schedule?with a pay reduction for those of us that remained. I took up a part-time position as a CFO of a construction company to help make up for the loss in income. Since then my employer has ended the reduced work week and restored?some of the?salary reductions.
At the same the financial crisis was taking hold and my home equity line of credit was closed by the bank to the amount that was outstanding at the time. Most unused available credit was closed by the major banks and the interest I was paying on credit card debt was raised to the maximum (mostly now at 29%+) mostly it seems because I was now using a high percentage of my available credit.
To compound the matter my wife and I?began some family court proceedings against her?childrens' father. While we budgeted for legal costs, the perceived simple matter exploded into over?two years of family court and related legal fees (these?matters?are now resolved and the large expenditures on legal fees have also ended). I was new to the family court system and quite shocked at the amount of legal fees that were incurred in the process.
With the legal fees no longer being incurred and the restoration of my full-time employment restored; it is time to focus on elimination of?our debts. I'm in the process of selling my second home (owned for over 15 years and it?has a high percentage of equity) as well as other assets and will?use the proceeds to pay off?more?debt.
Monthly net income: $13,706.?
Monthly expenses: $
??Housing: $3,500.
??Insurance: $250
??Car expenses: $400
??Utilities: $400
??Phone, cable, internet: $200
??Food, entertainment: $400
??Clothing, household expenses $200
??Credit cards and other loans: $2,500
??Other expenses: $500
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
467463
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount:
| $15,000.00 |
Prosper Rating:
| AA |
Auction Duration:
| 7 days
|
Term:
| 36 months |
Estimated loss:
| 1.5% | | |
| | |
|
Starting lender yield:
| 9.38% |
Starting borrower rate/APR:
| 10.38% / 10.73% |
Starting monthly payment:
| $486.69 |
|
Auction yield range:
| 2.93% - 9.38% |
Estimated loss impact:
| 1.51% | | |
Lender servicing fee:
| 1.00% |
Estimated return:
| 7.87% | | |
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper scores:
| |
First credit line:
| May-1990 |
Debt/Income ratio:
| Self-employed (DTI Not Calculated) |
Basic (1-10):
| 6 |
Inquiries last 6m:
| 0 | Employment status: | Self-employed |
Enhanced (1-5): | 5 |
Current / open credit lines:
| 6
/
6 | Length of status: | 4y 1m |
Credit score:
| 820-839 (Jul-2010) |
Total credit lines:
| 16 |
Occupation: | Sales - Commission |
Now delinquent:
| 0 |
Revolving credit balance:
| $3,710 | Stated income: | $50,000-$74,999 |
Amount delinquent:
| $0 |
Bankcard utilization:
| 6% | | |
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| Yes | | |
Delinquencies in last 7y:
| 0 | | | | |
Screen name:
| velocity-samurai |
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
Consolidating credit card debt
Purpose of loan:
This loan will be used to?pay off high interest credit card debt that I have from starting my business from scratch back in 2006.? I am an independent insurance agent and I have been working on building my book of business for the last four years.? I want to get these last two credit cards paid off as quickly as possible with a reasonable interest rate so I can invest more into my business.?
My financial situation:
I am a good candidate for this loan because as you can see my credit rate is excellent.? I am a firm believer in paying off my debt and have no interest in defaulting on any loan.? My credit history will show that I always pay on time and I pay off my debt.? I have never defaulted on a loan or filed for bankruptcy.
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
467469
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount:
| $7,000.00 |
Prosper Rating:
| A |
Auction Duration:
| 7 days
|
Term:
| 36 months |
Estimated loss:
| 2.1% | | |
| | |
|
Starting lender yield:
| 8.20% |
Starting borrower rate/APR:
| 9.20% / 11.30% |
Starting monthly payment:
| $223.25 |
|
Auction yield range:
| 3.93% - 8.20% |
Estimated loss impact:
| 2.12% | | |
Lender servicing fee:
| 1.00% |
Estimated return:
| 6.08% | | |
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper scores:
| |
First credit line:
| Sep-2000 |
Debt/Income ratio:
| 15% |
Basic (1-10):
| 8 |
Inquiries last 6m:
| 0 | Employment status: | Full-time employee |
Enhanced (1-5): | 5 |
Current / open credit lines:
| 10
/
6 | Length of status: | 4y 3m |
Credit score:
| 760-779 (Jul-2010) |
Total credit lines:
| 29 |
Occupation: | Analyst |
Now delinquent:
| 0 |
Revolving credit balance:
| $4,367 | Stated income: | $50,000-$74,999 |
Amount delinquent:
| $0 |
Bankcard utilization:
| 19% | | |
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| No | | |
Delinquencies in last 7y:
| 0 | | | | |
Screen name:
| johnsonm1 |
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:
| 0 / 2 |
On-time:
| 48 ( 100% )
| 760-779 (Latest)
|
Principal borrowed:
| $14,000.00 | < 31 days late:
| 0
( 0% )
| 740-759
(Nov-2007)
700-719
(Aug-2006)
|
Principal balance:
| $0.02 |
31+ days late:
| 0
( 0% )
|
Total payments billed:
| 48 | | |
Description
Credit Cards
Purpose of loan:
This loan will be used to pay off old credit card debt.? Finally, I have a good occupation and I am trying to resolve old debt.
My financial situation:
I am a good candidate for this loan because I have a good income and a good credit history.? I've had 2 previous loans through prosper which I payed in full on time.? This is low risk with high reward.
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
467487
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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:
| 8.30% |
Starting borrower rate/APR:
| 9.30% / 9.64% |
Starting monthly payment:
| $319.40 |
|
Auction yield range:
| 2.93% - 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:
| Apr-1990 |
Debt/Income ratio:
| 16% |
Basic (1-10):
| 9 |
Inquiries last 6m:
| 1 | Employment status: | Full-time employee |
Enhanced (1-5): | 5 |
Current / open credit lines:
| 12
/
11 | Length of status: | 7y 8m |
Credit score:
| 860-879 (Jul-2010) |
Total credit lines:
| 37 |
Occupation: | Engineer - Electric... |
Now delinquent:
| 0 |
Revolving credit balance:
| $6,557 | Stated income: | $75,000-$99,999 |
Amount delinquent:
| $0 |
Bankcard utilization:
| 6% | | |
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| Yes | | |
Delinquencies in last 7y:
| 0 | | | | |
Screen name:
| compassion-uprising9 |
Borrower's state:
| Nevada |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Description
New Flooring
Purpose of loan:
This loan will be used to put in new flooring and make some repairs around the house.? I bought the house in 2003 and it is time to make some improvements.?
My financial situation:
I am a good candidate for this loan because I have good credit, and own my house, but because of the state of the economy I do not qulify for a home equity loan and the intrest on a personal loan from my bank is sky high.
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
467493
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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:
| 7.0% | | |
| | |
|
Starting lender yield:
| 23.55% |
Starting borrower rate/APR:
| 24.55% / 26.85% |
Starting monthly payment:
| $988.06 |
|
Auction yield range:
| 7.93% - 23.55% |
Estimated loss impact:
| 7.56% | | |
Lender servicing fee:
| 1.00% |
Estimated return:
| 15.99% | | |
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper scores:
| |
First credit line:
| Sep-1999 |
Debt/Income ratio:
| 23% |
Basic (1-10):
| 7 |
Inquiries last 6m:
| 0 | Employment status: | Full-time employee |
Enhanced (1-5): | 5 |
Current / open credit lines:
| 8
/
8 | Length of status: | 11y 10m |
Credit score:
| 760-779 (Jul-2010) |
Total credit lines:
| 16 |
Occupation: | Computer Programmer |
Now delinquent:
| 0 |
Revolving credit balance:
| $57,504 | Stated income: | $100,000+ |
Amount delinquent:
| $0 |
Bankcard utilization:
| 75% | | |
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| Yes | | |
Delinquencies in last 7y:
| 0 | | | | |
Screen name:
| independent-trade8 |
Borrower's state:
| Colorado |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Description
Debt Consolidation
Purpose of loan:
My wife and my love for sushi has finally caught up with us and it's time to pay off the high interest fish. (and other related luxuries)
This loan will be used to consolidate debt.
My financial situation:
I am a good candidate for this loan because I have a good credit rating and a stable full-time job.
Monthly net income: $
$5450
Monthly expenses: $
??Housing: $
2200
??Insurance: $
100
??Car expenses: $
500
??Utilities: $
350
??Phone, cable, internet: $
300
??Food, entertainment: $
500
??Clothing, household expenses $
200
??Credit cards and other loans: $ the rest :)
Information in the Description is not verified.