Listing Report:Supplement No. 55 dated Sep 27, 2010 to Prospectus dated Jul 26, 2010File 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 26, 2010 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 26, 2010 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
454182
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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:
| 10.8% | | |
| | | |
|
|
Starting lender yield:
| 26.50% |
Starting borrower rate/APR:
| 27.50% / 31.05% |
Starting monthly payment:
| $143.83 |
| |
|
Auction yield range:
| 10.79% - 26.50% |
Estimated loss impact:
| 11.46% | | |
|
Lender servicing fee:
| 1.00% |
Estimated return:
| 15.04% | | |
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
|
Prosper score (1-10):
| 7 |
First credit line:
| Oct-1976 |
Debt/Income ratio:
| 13% |
|
Credit score:
| 680-699 (Sep-2010) |
Inquiries last 6m:
| 0 | Employment status: | Employed |
|
Now delinquent:
| 0 |
Current / open credit lines:
| 5
/
5 |
Occupation: | Social Worker |
|
Amount delinquent:
| $0 |
Total credit lines:
| 18 | Stated income: | $100,000+ |
|
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $2,666 | |
|
Delinquencies in last 7y:
| 2 |
Bankcard utilization:
| 98% | | |
| | |
Homeownership:
| Yes | | |
|
Screen name:
| orange-transparency-wizard |
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
My personal loan for my business
Purpose of loan:
This loan will be used to??meet business expenses of 10 year prosperous business of one.
My financial situation:
I am a good candidate for this loan because? solid work history,? always two jobs, no bankrupties
Monthly net income: $???????
Monthly expenses: $
??Housing: $ 440
??Insurance: $ 270
??Car expenses: $ 600
??Utilities: $ 150
??Phone, cable, internet: $ 450
??Food, entertainment: $800
??Clothing, household expenses $ 400
??Credit cards and other loans: $?700 inclues business??Other expenses: $?3000 taxes and mis business expenss
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
471752
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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:
| 18.3% | | |
| | | |
|
|
Starting lender yield:
| 34.00% |
Starting borrower rate/APR:
| 35.00% / 38.72% |
Starting monthly payment:
| $339.27 |
| |
|
Auction yield range:
| 16.79% - 34.00% |
Estimated loss impact:
| 20.31% | | |
|
Lender servicing fee:
| 1.00% |
Estimated return:
| 13.69% | | |
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 score (1-10):
| 4 |
First credit line:
| Dec-2004 |
Debt/Income ratio:
| 28% |
|
Credit score:
| 640-659 (Sep-2010) |
Inquiries last 6m:
| 3 | Employment status: | Employed |
|
Now delinquent:
| 0 |
Current / open credit lines:
| 8
/
6 | Length of status: | 6y 0m |
|
Amount delinquent:
| $0 |
Total credit lines:
| 18 |
Occupation: | Skilled Labor |
|
Public records last 12m / 10y:
| 0/ 1 |
Revolving credit balance:
| $6,027 | Stated income: | $25,000-$49,999 |
|
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 96% | | |
| | |
Homeownership:
| No | | |
|
Screen name:
| laudable-dough |
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
bill consolidation
Purpose of loan:
This loan will be used to?consolidate my bills for 1 monthly payment instead of scattered payments?????????
My financial situation:
I am a good candidate for this loan because? I pay my bills every month
Monthly net income: $ 2840
Monthly expenses: $
??Housing: $ 400
??Insurance: $ 75
??Car expenses: $ 100
??Utilities: $ 50
??Phone, cable, internet: $ 150
??Food, entertainment: $ 200
??Clothing, household expenses $ 150
??Credit cards and other loans: $ 700
??Other expenses: $
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
476242
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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:
| 24.0% | | |
| | | |
|
|
Starting lender yield:
| 34.00% |
Starting borrower rate/APR:
| 35.00% / 38.72% |
Starting monthly payment:
| $113.09 |
| |
|
Auction yield range:
| 16.79% - 34.00% |
Estimated loss impact:
| 26.01% | | |
|
Lender servicing fee:
| 1.00% |
Estimated return:
| 7.99% | | |
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 score (1-10):
| 3 |
First credit line:
| Apr-2009 |
Debt/Income ratio:
| 10% |
|
Credit score:
| 680-699 (Sep-2010) |
Inquiries last 6m:
| 1 | Employment status: | Employed |
|
Now delinquent:
| 0 |
Current / open credit lines:
| 2
/
1 | Length of status: | 3y 0m |
|
Amount delinquent:
| $0 |
Total credit lines:
| 2 |
Occupation: | Sales - Retail |
|
Public records last 12m / 10y:
| 0/ 1 |
Revolving credit balance:
| $0 | Stated income: | $1-$24,999 |
|
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 0% | | |
| | |
Homeownership:
| No | | |
|
Screen name:
| FutureBillionaire |
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
BUY A USED CAR / ESTABLISH CREDIT
Purpose of loan:This loan will be used to buy a new(used) car. My current car has finally gave out on me and would be a huge waist of time and money to try and fix it. There is always something wrong with it and it has never really been known as a reliable car. This loan will also be used to better my credit, I plan to have this loan atleast 80% payed off within 4-6 months. I have (1) free check in November and (2) free checks in December. Taxes are also just around the corner so it shouldn't be long before this loan is payed in full.My financial situation:I am a good candidate for this loan because i pay ALL my bills on time and i plan on paying this loan back within 6-9 months, WAAAYYY before the suggested 36months!Monthly net income: $ 1080Monthly expenses: $ 660?Housing: $ 300?Insurance: $?Car expenses: $ 115?Utilities: $?Phone, cable, internet: $ 50?Food, entertainment: $ 100?Clothing, household expenses $ 45?Credit cards and other loans: $?Other expenses: $ 50
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
476464
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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:
| 24.0% | | |
| | | |
|
|
Starting lender yield:
| 34.00% |
Starting borrower rate/APR:
| 35.00% / 38.72% |
Starting monthly payment:
| $104.04 |
| |
|
Auction yield range:
| 16.79% - 34.00% |
Estimated loss impact:
| 26.01% | | |
|
Lender servicing fee:
| 1.00% |
Estimated return:
| 7.99% | | |
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 score (1-10):
| 3 |
First credit line:
| Nov-2002 |
Debt/Income ratio:
| 22% |
|
Credit score:
| 640-659 (Sep-2010) |
Inquiries last 6m:
| 4 | Employment status: | Employed |
|
Now delinquent:
| 0 |
Current / open credit lines:
| 9
/
9 | Length of status: | 1y 11m |
|
Amount delinquent:
| $0 |
Total credit lines:
| 9 |
Occupation: | Retail Management |
|
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $2,217 | Stated income: | $25,000-$49,999 |
|
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 32% | | |
| | |
Homeownership:
| No | | |
|
Screen name:
| soulful-bazaar |
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
Credit Card Payoff
Purpose of loan:
This loan will be used to pay off credit cards. I recently paid off two other credit cards. I am currently paying on a student loan. The other credit cards are active but not in use. I got caught in the credit card journey as I am helping out my parents while they are unemployed. They are still unemployed and I need to pay off these credit cards so that my credit score returns to what it was before I started helping them out.
My financial situation:
I am a good candidate for this loan because I have never been late on a credit card payment and I am switching careers which will give me more income.
Monthly net income: $ 1700
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
476552
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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:
| 24.0% | | |
| | | |
|
|
Starting lender yield:
| 34.00% |
Starting borrower rate/APR:
| 35.00% / 38.72% |
Starting monthly payment:
| $180.94 |
| |
|
Auction yield range:
| 16.79% - 34.00% |
Estimated loss impact:
| 26.01% | | |
|
Lender servicing fee:
| 1.00% |
Estimated return:
| 7.99% | | |
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 score (1-10):
| 3 |
First credit line:
| Feb-1987 |
Debt/Income ratio:
| 41% |
|
Credit score:
| 600-619 (Sep-2010) |
Inquiries last 6m:
| 0 | Employment status: | Employed |
|
Now delinquent:
| 0 |
Current / open credit lines:
| 17
/
17 | Length of status: | 2y 1m |
|
Amount delinquent:
| $0 |
Total credit lines:
| 46 |
Occupation: | Teacher |
|
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $15,501 | Stated income: | $25,000-$49,999 |
|
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 82% | | |
| | |
Homeownership:
| No | | |
|
Screen name:
| kindness2 |
Borrower's state:
| Utah |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
| Loan history | Payment history | Credit score history |
|
Active / total loans:
| 0 / 1 |
On-time:
| 18 ( 49% )
| 600-619 (Latest)
|
|
Principal borrowed:
| $6,700.00 | < 31 days late:
| 16
( 43% )
| 560-579
(May-2007)
|
|
Principal balance:
| $0.00 |
31+ days late:
| 3
( 8% )
|
|
Total payments billed:
| 37 | | |
Description
Daughter's Wedding
Purpose of loan:
This loan will be used to finance my daughters wedding.? She will be getting married on November 20th.
My financial situation:
???? I am a good candidate for this loan because I am a full time first grade school teacher.? I teach at a public school that works with high risk children.? This is my third year with the Salt Lake City School District.? Previously I taught in Nevada for?1?year, in the Clark County School District.? And before that I taught in Layton, Utah with the Davis County School District for 5 years.? This my 9th consecutive year teaching.?
???? My contract salary is 49,896.00.? As a highly qualified teacher I have the opportunity to tutor before?and after school.? This supplements my?
income with an additional $4000.00 - $6,0000 per year.??On my tax return last year my total income was $55,430.00.? Although I am married our finances are separate.? I file my taxes separately and claim our daughter.? In addition,?once my daughter is married I will have approximately $400.00 a month?eliminated from my expenses.? These are expenses for college tuition and living expenses for her.? These expenses make it difficult to pay for the wedding now but eliminating them will make it easier to pay for the loan.?
?????I previously had a loan with Prosper.? It was?comforting to know that it was a case of people helping people, instead of dealing with a big impersonal instituition.? I paid that loan off.? I do pay my bills!? I am a member of freecreditscore.com and I check my score regularly.? My score on?freecreditscore.com is 648.? I'm not sure why there is a difference on the score that Prosper pulled.??????????????
?????I would greatly appreciate any financial?assistance regarding this loan.? It would mean a lot to me and my daughter.? Thanks for your consideration.?
Monthly net income: $?
????I received my?first check for the new school year on September 15, 2010.? There were 20 extra hours on the check.? The net income was $2069.37.?I get paid on the 15th and the last day of the month.? I can only estimate what my net income will be for the next pay period.? The check that I receive on September 30th should be around $1525.00.
.?
Monthly expenses: $?
? Housing: $?400.00 ( my husband pays the other half)
??Insurance: $116.00
??Car expenses: $ 177.00 ( $2100.00 balance @ 7.95 interest rate)
??Utilities: $ my husband pays
??Phone, cable, internet: $ 112.00?
??Food, entertainment: $ 300.00
??Clothing, household expenses $ 25.00?
??Credit cards and other loans: $?1014
??Other expenses:
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
476832
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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:
| 6.0% | | |
| | | |
|
|
Starting lender yield:
| 12.50% |
Starting borrower rate/APR:
| 13.50% / 15.65% |
Starting monthly payment:
| $509.03 |
| |
|
Auction yield range:
| 5.79% - 12.50% |
Estimated loss impact:
| 6.16% | | |
|
Lender servicing fee:
| 1.00% |
Estimated return:
| 6.34% | | |
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
|
Prosper score (1-10):
| 8 |
First credit line:
| Dec-1977 |
Debt/Income ratio:
| 35% |
|
Credit score:
| 760-779 (Sep-2010) |
Inquiries last 6m:
| 1 | Employment status: | Employed |
|
Now delinquent:
| 0 |
Current / open credit lines:
| 18
/
16 | Length of status: | 30y 11m |
|
Amount delinquent:
| $0 |
Total credit lines:
| 58 |
Occupation: | Professional |
|
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $20,213 | Stated income: | $75,000-$99,999 |
|
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 43% | | |
| | |
Homeownership:
| No | | |
|
Screen name:
| benefit-museum |
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
Debt Consolidation
Purpose of loan:
This loan will be used to?pay off?4 current accounts with higher monthly payments & longer terms.?
My financial situation:
I am an excellent?candidate for this loan because?I have an extremely good repayment history on my other debts. ?
Monthly net income: $ 6696
Monthly expenses: $?4336
??Housing: $?1000
??Insurance: $ 400?
??Car expenses: $ 350
??Utilities: $ 174
??Phone, cable, internet: $ 140
??Food, entertainment: $?500?
??Clothing, household expenses $ 100
??Credit cards and other loans: $?1447
??Other expenses: $ 225
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
476838
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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:
| 18.3% | | |
| | | |
|
|
Starting lender yield:
| 34.00% |
Starting borrower rate/APR:
| 35.00% / 38.72% |
Starting monthly payment:
| $135.71 |
| |
|
Auction yield range:
| 16.79% - 34.00% |
Estimated loss impact:
| 20.31% | | |
|
Lender servicing fee:
| 1.00% |
Estimated return:
| 13.69% | | |
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 score (1-10):
| 6 |
First credit line:
| May-1996 |
Debt/Income ratio:
| 26% |
|
Credit score:
| 640-659 (Sep-2010) |
Inquiries last 6m:
| 3 | Employment status: | Employed |
|
Now delinquent:
| 0 |
Current / open credit lines:
| 7
/
7 | Length of status: | 5y 2m |
|
Amount delinquent:
| $0 |
Total credit lines:
| 11 |
Occupation: | Analyst |
|
Public records last 12m / 10y:
| 0/ 2 |
Revolving credit balance:
| $6,365 | Stated income: | $50,000-$74,999 |
|
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 28% | | |
| | |
Homeownership:
| No | | |
|
Screen name:
| blue-commitment-euphoria |
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
honeymoon and wedding
Purpose of loan:
This loan will be used to?
pay for a honeymoon and wedding
My financial situation:
I am a good candidate for this loan because? I have stable income and commission coming in the last of October and I am about to land a higher paying job.? I made $160k in 2007 and $132k in 2008 which is documented on W2 and I made about $50k last year (due to the drop in the economy, but it is looking better now) so I?am doing better this year and will probably do closer to $70k with what I have in the pipeline.??I just need money for honeymoon and some for the wedding.
Monthly net income: $ 3170? (higher in October- I will make $7100 - due to be paid on Oct 22)
Monthly expenses: $
??Housing: $ 557
??Insurance: $ 108
??Car expenses: $ 650?
??Utilities: $ 85
??Phone, cable, internet: $ 108
??Food, entertainment: $ 300
??Clothing, household expenses $ 100?
??Credit cards and other loans: $ 150
??Other expenses: $
I just interviewed for a CFO position with some people I have known 35 years and they are very interested.? My former profession was Accounting and Controller.? It appears they may make me an offer next week so my income will rise substantially.? I have already closed commissions that are coming in at the end of October but that does not help me today.? I need a little more for the wedding and I need airfare and hotel for a nice honeymoon to Cancun and we will be very happy campers.? Probably $3500 would be better, but we can do with $3000.? I have good credit and I care about my credit and I will be grateful to whomever helps us out.? Thank you.
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
476844
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
|
Amount:
| $1,800.00 |
Prosper Rating:
| HR |
Auction Duration:
| 7 days
|
|
Term:
| 36 months |
Estimated loss:
| 36.6% | | |
| | | |
|
|
Starting lender yield:
| 34.00% |
Starting borrower rate/APR:
| 35.00% / 38.72% |
Starting monthly payment:
| $81.42 |
| |
|
Auction yield range:
| 16.79% - 34.00% |
Estimated loss impact:
| 38.61% | | |
|
Lender servicing fee:
| 1.00% |
Estimated return:
| -4.61% | | |
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
|
Prosper score (1-10):
| 1 |
First credit line:
| May-2003 |
Debt/Income ratio:
| 36% |
|
Credit score:
| 640-659 (Sep-2010) |
Inquiries last 6m:
| 3 | Employment status: | Employed |
|
Now delinquent:
| 1 |
Current / open credit lines:
| 9
/
9 | Length of status: | 9y 9m |
|
Amount delinquent:
| $20 |
Total credit lines:
| 24 |
Occupation: | Other |
|
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $2,749 | Stated income: | $25,000-$49,999 |
|
Delinquencies in last 7y:
| 5 |
Bankcard utilization:
| 99% | | |
| | |
Homeownership:
| Yes | | |
|
Screen name:
| the-attentive-duty |
Borrower's state:
| Pennsylvania |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Description
Home improvement Loan. Help Please
Purpose of loan:
The purpose of this loan is too get some roof seams patched up and coating done and also consolidate one high interest credit card that I am currently paying over $100 a month on but the balance is really NOT moving.
My financial situation:
This loan should not affect my finanacial situation badly at all. I should be able to pay back relatively quickly so you can feel safe funding me because I have been working the same place for 10 years and make a good salary of $50,000 a year. I am happy to answer any questions or provide any information you feel would be pertinent to receiving this loan. Please ask questions as I will be able to answer anything needed and also will have NO probalem paying loan off.
Monthly net income: $ 3400
Monthly expenses: $
??Housing: $1175.00
??Insurance: $ 200.00
??Car expenses: $?500.00
??Utilities: $ 150.00
??Phone, cable, internet: $ 100.00
??Food, entertainment: $ 200.00
??Clothing, household expenes $
??Credit cards and other loans: $?200.00??
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
476850
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
|
Amount:
| $1,000.00 |
Prosper Rating:
| HR |
Auction Duration:
| 7 days
|
|
Term:
| 36 months |
Estimated loss:
| 18.3% | | |
| | | |
|
|
Starting lender yield:
| 34.00% |
Starting borrower rate/APR:
| 35.00% / 41.35% |
Starting monthly payment:
| $45.24 |
| |
|
Auction yield range:
| 16.79% - 34.00% |
Estimated loss impact:
| 20.31% | | |
|
Lender servicing fee:
| 1.00% |
Estimated return:
| 13.69% | | |
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 score (1-10):
| 4 |
First credit line:
| Nov-1996 |
Debt/Income ratio:
| 27% |
|
Credit score:
| 640-659 (Sep-2010) |
Inquiries last 6m:
| 0 | Employment status: | Employed |
|
Now delinquent:
| 1 |
Current / open credit lines:
| 26
/
24 | Length of status: | 7y 6m |
|
Amount delinquent:
| $1,329 |
Total credit lines:
| 62 |
Occupation: | Professional |
|
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $41,506 | Stated income: | $100,000+ |
|
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 83% | | |
| | |
Homeownership:
| Yes | | |
|
Screen name:
| spry-compassion6 |
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 for a wedding
Purpose of loan:
This loan will be used to pay for an upcoming wedding.
My financial situation:
I am a good candidate for this loan because I do pay my monthy bills on time and am currently paying down my credit card debt. My credit score is going up a few points each month.
Monthly net income: $ 6000
Monthly expenses: $
??Housing: $ 530
??Insurance: $ 130
??Car expenses: $ 1000
??Utilities: $ 0????????
??Phone, cable, internet: $ 80
??Food, entertainment: $ 200
??Clothing, household expenses $ 200
??Credit cards and other loans: $ 500
??Other expenses: $
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
476856
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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:
| 18.3% | | |
| | | |
|
|
Starting lender yield:
| 34.00% |
Starting borrower rate/APR:
| 35.00% / 38.72% |
Starting monthly payment:
| $339.27 |
| |
|
Auction yield range:
| 16.79% - 34.00% |
Estimated loss impact:
| 20.31% | | |
|
Lender servicing fee:
| 1.00% |
Estimated return:
| 13.69% | | |
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 score (1-10):
| 4 |
First credit line:
| Apr-1992 |
Debt/Income ratio:
| 41% |
|
Credit score:
| 680-699 (Sep-2010) |
Inquiries last 6m:
| 0 | Employment status: | Employed |
|
Now delinquent:
| 0 |
Current / open credit lines:
| 14
/
5 | Length of status: | 7y 5m |
|
Amount delinquent:
| $0 |
Total credit lines:
| 65 |
Occupation: | Nurse (LPN) |
|
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $6,206 | Stated income: | $50,000-$74,999 |
|
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 92% | | |
| | |
Homeownership:
| No | | |
|
Screen name:
| EvaMae |
Borrower's state:
| Virginia |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
| Loan history | Payment history | Credit score history |
|
Active / total loans:
| 1 / 1 |
On-time:
| 22 ( 88% )
| 680-699 (Latest)
|
|
Principal borrowed:
| $3,000.00 | < 31 days late:
| 3
( 12% )
| 640-659
(Jul-2008)
|
|
Principal balance:
| $1,170.15 |
31+ days late:
| 0
( 0% )
|
|
Total payments billed:
| 25 | | |
Description
Helping my grandkids have a home
Purpose of loan:
This loan will be used to? help my daughter, her husband and my grandchildren aquire a home after loosing their home. My son in law lost his job, but now has one. But in order to get a new place to live, it costs. I would like to help them because they always have helped so many others. This time they need help.
My financial situation:
I am a good candidate for this loan because?I am respondsible, and have a good job myself working for the Government. I am a Nurse and work with people with severe disablilities. I am fortunate because in Health Care, one can?always find a job. I happen to love my job.?
Monthly net income: $? 3200.00
Monthly expenses: $?2000.00??Housing: $ 900.00
??Insurance: $ 60.00
??Car expenses: $ 450.00
??Utilities: $?0
??Phone, cable, internet: $ 95.00
??Food, entertainment: $ 100.00
??Clothing, household expenses $ 50.00
??Credit cards and other loans: $ 300.00
??Other expenses: $ 25.00
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
476862
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
|
Amount:
| $7,600.00 |
Prosper Rating:
| D |
Auction Duration:
| 7 days
|
|
Term:
| 36 months |
Estimated loss:
| 10.8% | | |
| | | |
|
|
Starting lender yield:
| 32.00% |
Starting borrower rate/APR:
| 33.00% / 36.68% |
Starting monthly payment:
| $335.25 |
| |
|
Auction yield range:
| 10.79% - 32.00% |
Estimated loss impact:
| 11.61% | | |
|
Lender servicing fee:
| 1.00% |
Estimated return:
| 20.39% | | |
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 score (1-10):
| 8 |
First credit line:
| Apr-1987 |
Debt/Income ratio:
| 15% |
|
Credit score:
| 640-659 (Sep-2010) |
Inquiries last 6m:
| 0 | Employment status: | Employed |
|
Now delinquent:
| 0 |
Current / open credit lines:
| 11
/
10 | Length of status: | 9y 0m |
|
Amount delinquent:
| $0 |
Total credit lines:
| 31 |
Occupation: | Computer Programmer |
|
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $16,206 | Stated income: | $100,000+ |
|
Delinquencies in last 7y:
| 6 |
Bankcard utilization:
| 66% | | |
| | |
Homeownership:
| Yes | | |
|
Screen name:
| durability-halo8 |
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
2 Cars down - Major repairs
Purpose of loan:
This loan will be used to?
I need a short term loan to cover expenses of auto repair for two vehicles used by my college age children. One car lost to engine repair, the other lost to rear-end collision and inadequate market value of vehicle to get sufficient funds to replace. This loan will allow me to take the financial pressure off the kids for car needs.
My financial situation:
Net income: $6000/month
Major Monthly Recurring Expenses:
Housing: $1400
Auto: $600
I have posted with a higher interest rate because i plan to keep the term very short. Please assist me if you possibly can.
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
476880
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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:
| 9.8% | | |
| | | |
|
|
Starting lender yield:
| 24.75% |
Starting borrower rate/APR:
| 25.75% / 29.67% |
Starting monthly payment:
| $60.24 |
| |
|
Auction yield range:
| 10.79% - 24.75% |
Estimated loss impact:
| 10.41% | | |
|
Lender servicing fee:
| 1.00% |
Estimated return:
| 14.34% | | |
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
|
Prosper score (1-10):
| 8 |
First credit line:
| Oct-1997 |
Debt/Income ratio:
| 11% |
|
Credit score:
| 720-739 (Sep-2010) |
Inquiries last 6m:
| 2 | Employment status: | Employed |
|
Now delinquent:
| 0 |
Current / open credit lines:
| 7
/
4 | Length of status: | 22y 3m |
|
Amount delinquent:
| $0 |
Total credit lines:
| 23 |
Occupation: | Analyst |
|
Public records last 12m / 10y:
| 0/ 1 |
Revolving credit balance:
| $227 | Stated income: | $50,000-$74,999 |
|
Delinquencies in last 7y:
| 1 |
Bankcard utilization:
| 5% | | |
| | |
Homeownership:
| No | | |
|
Screen name:
| Daddyjaxx |
Borrower's state:
| Georgia |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
| Loan history | Payment history | Credit score history |
|
Active / total loans:
| 0 / 2 |
On-time:
| 59 ( 100% )
| 720-739 (Latest)
|
|
Principal borrowed:
| $6,401.00 | < 31 days late:
| 0
( 0% )
| 560-579
(Apr-2008)
640-659
(Jun-2007)
|
|
Principal balance:
| $0.01 |
31+ days late:
| 0
( 0% )
|
|
Total payments billed:
| 59 | | |
Description
Buffer money
Purpose of loan:
To keep my 10k buffer in my checking account and to try to rebuild my credit more.Car insurance renewal is coming up and I would like to use some of the money to pay the six month premium
My financial situation:
I am a good candidate for this loan because I have had two previous Prosper loans paid in full with not one late payment in 60 payments.? I do not believe that I can increase my credit score anymore due to the previous chapter 7 in July 2004 and charge offs from the BK still on my report, but I am trying.? The only reason I believe that I could be a rating of D on Prosper with this credit score are these factors.? Nine more months and all of the charge offs should disappear from my credit, but the BK I have to live with for four more years.
I do NOT have an any delinquencies on my credit report. This was reported AFTER I filed for BK. When you file BK, you are not obligated to pay. I would dispute it, but I'm afraid disputing it would be activity on the account and would remain for seven more years.I'd rather leave it be and let it drop off on its own next year
Monthly net income: $3200.00
Monthly expenses: $?
Housing: $ 850.00
??Insurance: $ 0
??Car expenses: $500.00 (car payment and fuel)
??Utilities: $100
??Phone, cable, internet: $ 230
??Food, entertainment: $400 (I travel a lot for business and do not have my own food expenses as the company picks up the tab)
??Clothing, household expenses $Varies upon need (Who buys clothing every month?)
??Credit cards and other loans: $ Varies upon use
??Other expenses: $0
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
476894
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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:
| 18.3% | | |
| | | |
|
|
Starting lender yield:
| 34.00% |
Starting borrower rate/APR:
| 35.00% / 38.72% |
Starting monthly payment:
| $180.94 |
| |
|
Auction yield range:
| 16.79% - 34.00% |
Estimated loss impact:
| 20.31% | | |
|
Lender servicing fee:
| 1.00% |
Estimated return:
| 13.69% | | |
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 score (1-10):
| 4 |
First credit line:
| Apr-1995 |
Debt/Income ratio:
| 54% |
|
Credit score:
| 660-679 (Sep-2010) |
Inquiries last 6m:
| 0 | Employment status: | Employed |
|
Now delinquent:
| 0 |
Current / open credit lines:
| 9
/
8 | Length of status: | 13y 6m |
|
Amount delinquent:
| $0 |
Total credit lines:
| 20 |
Occupation: | Administrative Assi... |
|
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $44,141 | Stated income: | $25,000-$49,999 |
|
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 97% | | |
| | |
Homeownership:
| Yes | | |
|
Screen name:
| powerful-rate9 |
Borrower's state:
| Washington |
Borrower's group:
| Have Money - Will Bid |
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
| Loan history | Payment history | Credit score history |
|
Active / total loans:
| 0 / 1 |
On-time:
| 4 ( 100% )
| 660-679 (Latest)
|
|
Principal borrowed:
| $3,000.00 | < 31 days late:
| 0
( 0% )
| 700-719
(Oct-2009)
|
|
Principal balance:
| $0.00 |
31+ days late:
| 0
( 0% )
|
|
Total payments billed:
| 4 | | |
Description
Re-list: Proven Prosper borrower
Thank you for looking at my listing.
This loan will be used to pay down?some of my credit card debt and help improve my credit score.
My DTI is high because I have listed only my net income.? I have listed additional?income from my spouse and contract work below.? I have only had 2 late payments on my credit or household bills in 20 years, which happened at the end of last year due to an illness.??This is the reason for the drop in my credit score from last year, but I am working very hard to bring that score back up.? This is also the reason my bankcard utilization is so high.? Please see my profile for more information.
I had a prior loan via Prosper that was funded last October, in which I made every payment on time and was able to pay off early due to my contract work.
Monthly Financial Details:
My Net Income: $3,100
Spouse's Net Income: $2,000
Contract work: $400
Total monthly family Net Income: $5,500
Mortgage/HELOC: $1,480 / $405
Phone, Cable, Internet: $220
Gas & Electricity: $145
Water & Garbage: $40
Car Operating Expenses: $200
Food: $350
Insurance: $172
Credit cards and loans: $1,450
-----------------------
Total Monthly Expenses : $4,462
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
476898
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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:
| E |
Auction Duration:
| 7 days
|
|
Term:
| 36 months |
Estimated loss:
| 14.2% | | |
| | | |
|
|
Starting lender yield:
| 33.35% |
Starting borrower rate/APR:
| 34.35% / 38.06% |
Starting monthly payment:
| $336.52 |
| |
|
Auction yield range:
| 13.79% - 33.35% |
Estimated loss impact:
| 15.74% | | |
|
Lender servicing fee:
| 1.00% |
Estimated return:
| 17.61% | | |
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
|
Prosper score (1-10):
| 6 |
First credit line:
| Feb-1985 |
Debt/Income ratio:
| 22% |
|
Credit score:
| 660-679 (Sep-2010) |
Inquiries last 6m:
| 2 | Employment status: | Employed |
|
Now delinquent:
| 0 |
Current / open credit lines:
| 12
/
7 | Length of status: | 20y 11m |
|
Amount delinquent:
| $0 |
Total credit lines:
| 39 |
Occupation: | Social Worker |
|
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $4,568 | Stated income: | $50,000-$74,999 |
|
Delinquencies in last 7y:
| 23 |
Bankcard utilization:
| 58% | | |
| | |
Homeownership:
| No | | |
|
Screen name:
| Dolphin40 |
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
Professional Mom Needs Help
Purpose of loan:
This loan will be used to pay off several high interest loans in order to pay debt off faster and free up money to put towards my oldest son's education, who is a senior in high school.
My financial situation:
I am a good candidate for this loan because I have started to get a better handle on my finances and have not been delinquent on any of my credit cards or other loans for a couple of years. I have very stable employment, 20+ years at the same agency doing social services,?and am a responsible single mother trying to rebuild my credit. In addition to the monthly net income from my job, I receive $600.00 for child support.
Monthly net income: $ 4000.00
Monthly expenses: $ 2605.00
??Housing: $ 725.00
??Insurance: $ 200.00
??Car expenses: $ 230.00
??Utilities: $ 200.00
??Phone, cable, internet: $ 100.00
??Food, entertainment: $ 500.00
??Clothing, household expenses $?150.00
??Credit cards and other loans: $?500.00
??Other expenses: $
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
476904
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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:
| 3.5% | | |
| | | |
|
|
Starting lender yield:
| 10.15% |
Starting borrower rate/APR:
| 11.15% / 13.27% |
Starting monthly payment:
| $328.10 |
| |
|
Auction yield range:
| 3.79% - 10.15% |
Estimated loss impact:
| 3.53% | | |
|
Lender servicing fee:
| 1.00% |
Estimated return:
| 6.62% | | |
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 score (1-10):
| 9 |
First credit line:
| Nov-1999 |
Debt/Income ratio:
| 18% |
|
Credit score:
| 800-819 (Sep-2010) |
Inquiries last 6m:
| 1 | Employment status: | Employed |
|
Now delinquent:
| 0 |
Current / open credit lines:
| 10
/
9 | Length of status: | 11y 2m |
|
Amount delinquent:
| $0 |
Total credit lines:
| 23 |
Occupation: | Executive |
|
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $1,802 | Stated income: | $50,000-$74,999 |
|
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 4% | | |
| | |
Homeownership:
| No | | |
|
Screen name:
| funds-friendship |
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
Build-out for a Cafe in Brooklyn NY
Purpose of loan:
This loan will be used to?The purpose of the loan is to fund construction costs for a cafe and wine establishment in Greenpoint, Brooklyn.
This loan will be used to cover plumbing and electrical costs for the cafe's renovation of the bathroom, bar facilities, and lighting.
The owners are investing $30,000 towards the start-up costs and are receiving a bank loan for $30,000 and are trying to secure another 30k for the build-out of the cafe.
My financial situation:
I am a good candidate for this loan because?
I am a good candidate for this loan because I have run a successful bar & restaurant for the past eleven years in this same area and as a resident of this neighborhood I see a huge need for this particular type of establishment.
Thank You.
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
476940
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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:
| 14.2% | | |
| | | |
|
|
Starting lender yield:
| 19.00% |
Starting borrower rate/APR:
| 20.00% / 24.78% |
Starting monthly payment:
| $44.60 |
| |
|
Auction yield range:
| 13.79% - 19.00% |
Estimated loss impact:
| 15.04% | | |
|
Lender servicing fee:
| 1.00% |
Estimated return:
| 3.96% | | |
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 score (1-10):
| 6 |
First credit line:
| Dec-1999 |
Debt/Income ratio:
| 17% |
|
Credit score:
| 640-659 (Sep-2010) |
Inquiries last 6m:
| 1 | Employment status: | Employed |
|
Now delinquent:
| 0 |
Current / open credit lines:
| 6
/
6 | Length of status: | 5y 11m |
|
Amount delinquent:
| $0 |
Total credit lines:
| 9 |
Occupation: | Other |
|
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $4,182 | Stated income: | $25,000-$49,999 |
|
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 46% | | |
| | |
Homeownership:
| Yes | | |
|
Screen name:
| peace-neutron |
Borrower's state:
| Oklahoma |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Description
Home improvement Loan
Purpose of loan:
This loan will be used to? Home Improvement
My financial situation:
I am a good candidate for this loan because? I always pay on time.? All bills setup on auto pay
Monthly net income: $ 1800-2000
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
476966
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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:
| B |
Auction Duration:
| 7 days
|
|
Term:
| 36 months |
Estimated loss:
| 6.0% | | |
| | | |
|
|
Starting lender yield:
| 11.00% |
Starting borrower rate/APR:
| 12.00% / 14.13% |
Starting monthly payment:
| $249.11 |
| |
|
Auction yield range:
| 5.79% - 11.00% |
Estimated loss impact:
| 6.13% | | |
|
Lender servicing fee:
| 1.00% |
Estimated return:
| 4.87% | | |
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 score (1-10):
| 8 |
First credit line:
| Jun-1995 |
Debt/Income ratio:
| 10% |
|
Credit score:
| 720-739 (Sep-2010) |
Inquiries last 6m:
| 2 | Employment status: | Employed |
|
Now delinquent:
| 1 |
Current / open credit lines:
| 21
/
14 | Length of status: | 5y 7m |
|
Amount delinquent:
| $515 |
Total credit lines:
| 45 |
Occupation: | Sales - Commission |
|
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $13,820 | Stated income: | $100,000+ |
|
Delinquencies in last 7y:
| 1 |
Bankcard utilization:
| 37% | | |
| | |
Homeownership:
| Yes | | |
|
Screen name:
| blue-compassion-framework |
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
Men's grooming company funding
Purpose of loan:
This loan will be used to? help take our men's custom razors & shaving products to the next level. We have a huge demand but can not fund the production of more products and deal with the lag time until payment from retailers. If we had this loan, we would buy more inventory, receive better (volume) pricing, be more profitable as a result and be able to meet the demand of the large retailers who are interested in our products.
My financial situation:
I am a good candidate for this loan because? I make a nice income, have a great, niche product line?and have a proven track record in sales.
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
476968
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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:
| 18.3% | | |
| | | |
|
|
Starting lender yield:
| 16.79% |
Starting borrower rate/APR:
| 17.79% / 21.14% |
Starting monthly payment:
| $270.35 |
| |
|
Auction yield range:
| 16.79% - 16.79% |
Estimated loss impact:
| 19.22% | | |
|
Lender servicing fee:
| 1.00% |
Estimated return:
| -2.43% | | |
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
|
Prosper score (1-10):
| 4 |
First credit line:
| Jun-1992 |
Debt/Income ratio:
| 42% |
|
Credit score:
| 640-659 (Sep-2010) |
Inquiries last 6m:
| 1 | Employment status: | Employed |
|
Now delinquent:
| 1 |
Current / open credit lines:
| 16
/
15 | Length of status: | 2y 11m |
|
Amount delinquent:
| $0 |
Total credit lines:
| 43 |
Occupation: | Pilot - Private/Com... |
|
Public records last 12m / 10y:
| 0/ 1 |
Revolving credit balance:
| $17,476 | Stated income: | $75,000-$99,999 |
|
Delinquencies in last 7y:
| 12 |
Bankcard utilization:
| 73% | | |
| | |
Homeownership:
| No | | |
|
Screen name:
| platinum-atlantis |
Borrower's state:
| Texas |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Description
Paying off credit cards
Purpose of loan:
This loan will be used to pay off credit cards.
My financial situation:
I am a good candidate for this loan because I pay my debts.? This revolving debt is a result of a messy divorce that has come to a conclusion.
Monthly net income: $
5400.00
Monthly expenses: $
4725
??Housing: $
500
??Insurance: $
125
??Car expenses: $
500
??Utilities: $
100
??Phone, cable, internet: $
0
??Food, entertainment: $
200
??Clothing, household expenses $
100
??Credit cards and other loans: $
2000
??Other expenses: $
1200
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
476980
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
|
Amount:
| $3,000.00 |
Prosper Rating:
| B |
Auction Duration:
| 7 days
|
|
Term:
| 36 months |
Estimated loss:
| 6.0% | | |
| | | |
|
|
Starting lender yield:
| 14.15% |
Starting borrower rate/APR:
| 15.15% / 17.32% |
Starting monthly payment:
| $104.22 |
| |
|
Auction yield range:
| 5.79% - 14.15% |
Estimated loss impact:
| 6.19% | | |
|
Lender servicing fee:
| 1.00% |
Estimated return:
| 7.96% | | |
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 score (1-10):
| 8 |
First credit line:
| Nov-1991 |
Debt/Income ratio:
| 12% |
|
Credit score:
| 720-739 (Sep-2010) |
Inquiries last 6m:
| 2 | Employment status: | Employed |
|
Now delinquent:
| 0 |
Current / open credit lines:
| 6
/
5 | Length of status: | 0y 5m |
|
Amount delinquent:
| $0 |
Total credit lines:
| 23 |
Occupation: | Accountant/CPA |
|
Public records last 12m / 10y:
| 0/ 1 |
Revolving credit balance:
| $404 | Stated income: | $25,000-$49,999 |
|
Delinquencies in last 7y:
| 1 |
Bankcard utilization:
| 2% | | |
| | |
Homeownership:
| No | | |
|
Screen name:
| ore-bandit |
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 off bills to get ahead
Purpose of loan:
This loan will be used to?? To pay off a couple bills that I owe and?to repair have some repair work done on my carr. I am starting over and I am just trying to get a little ahead financially.
My financial situation:
I am a good candidate for this loan because??? Prior to my divorce I had excellent credit, but through the difficult situation of the divorce I had no choice but to file bankruptcy, it has been almost two years and ?I am starting my life over with a clean start.? I have always paid my bills on time and never missed a payment.
Monthly net income: $ 41,600.00????????
Monthly expenses: $
??Housing: $ 640.00
??Insurance: $ 69.00
??Car expenses: $ 200.00
??Utilities: $?60.00
??Phone, cable, internet: $ 170.00
??Food, entertainment: $?120.00
??Clothing, household expenses $
??Credit cards and other loans: $ 2500.00
??Other expenses: $
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
476982
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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:
| 1.6% | | |
| | | |
|
|
Starting lender yield:
| 7.25% |
Starting borrower rate/APR:
| 8.25% / 8.59% |
Starting monthly payment:
| $471.78 |
| |
|
Auction yield range:
| 2.79% - 7.25% |
Estimated loss impact:
| 1.55% | | |
|
Lender servicing fee:
| 1.00% |
Estimated return:
| 5.70% | | |
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 score (1-10):
| 10 |
First credit line:
| Jan-2002 |
Debt/Income ratio:
| 10% |
|
Credit score:
| 760-779 (Aug-2010) |
Inquiries last 6m:
| 1 | Employment status: | Employed |
|
Now delinquent:
| 0 |
Current / open credit lines:
| 9
/
9 | Length of status: | 4y 11m |
|
Amount delinquent:
| $0 |
Total credit lines:
| 14 |
Occupation: | Executive |
|
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $5,395 | Stated income: | $75,000-$99,999 |
|
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 12% | | |
| | |
Homeownership:
| Yes | | |
|
Screen name:
| p2p-shrubbery |
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
S.Florida New Hispanic Publication
Purpose of loan:
This loan will be used to help establish the company and pay for salaries for the first three months. The company is projected to be positive effective September 2011.
My financial situation: is excellent. I will be investing $30,000 of my own money in this company and keeping my job that pays over $95,000 yearly. The manager in charge of the business has been in this industry for over 10 years and I fully trust that he is the best candidate to manage the business.
I am a good candidate for this loan because I have been in this industry all my life and worked all aspects of the business the past 14 years. I am passionate for this business and strongly believe in the product. I have constantly excelled at providing a vision on how to tackle different opportunities and reaching different demographics which is crucial to lead in this economy. I have been recognized nationally as one of the top 20 leaders for the work, creativity and vision that I have for this industry.
Thank you for your consideration.
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
476986
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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:
| 24.0% | | |
| | | |
|
|
Starting lender yield:
| 34.00% |
Starting borrower rate/APR:
| 35.00% / 38.72% |
Starting monthly payment:
| $113.09 |
| |
|
Auction yield range:
| 16.79% - 34.00% |
Estimated loss impact:
| 26.01% | | |
|
Lender servicing fee:
| 1.00% |
Estimated return:
| 7.99% | | |
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 score (1-10):
| 3 |
First credit line:
| Nov-1988 |
Debt/Income ratio:
| 109% |
|
Credit score:
| 660-679 (Sep-2010) |
Inquiries last 6m:
| 0 | Employment status: | Employed |
|
Now delinquent:
| 0 |
Current / open credit lines:
| 16
/
14 | Length of status: | 2y 3m |
|
Amount delinquent:
| $0 |
Total credit lines:
| 74 |
Occupation: | Doctor |
|
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $46,281 | Stated income: | $50,000-$74,999 |
|
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 97% | | |
| | |
Homeownership:
| No | | |
|
Screen name:
| fervent-income75 |
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
Fellowship Loan
Purpose of loan:
This loan will be used to cover expenses related to applying and interviewing for fellowship which is scheduled to begin in July of 2012
My financial situation:
I am a good candidate for this loan because I am a third year medical resident.? I have 10 months left on my medical residency and will then be employed as a physician making significantly more income than I do now.? I am just cash poor at the moment and can not completely cover the expenses related to interviews for my fellowship.
Monthly net income: $
3000
Monthly expenses: $
2700
??Housing: $
750
??Insurance: $
90
??Car expenses: $
450
??Utilities: $ 150
??Phone, cable, internet: $
85
??Food, entertainment: $
100
??Clothing, household expenses $
100
??Credit cards and other loans: $
911 ????
??Other expenses: $
0
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
476998
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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:
| 10.8% | | |
| | | |
|
|
Starting lender yield:
| 26.50% |
Starting borrower rate/APR:
| 27.50% / 31.05% |
Starting monthly payment:
| $205.47 |
| |
|
Auction yield range:
| 10.79% - 26.50% |
Estimated loss impact:
| 11.46% | | |
|
Lender servicing fee:
| 1.00% |
Estimated return:
| 15.04% | | |
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
|
Prosper score (1-10):
| 7 |
First credit line:
| Jan-1995 |
Debt/Income ratio:
| 20% |
|
Credit score:
| 640-659 (Sep-2010) |
Inquiries last 6m:
| 0 | Employment status: | Employed |
|
Now delinquent:
| 0 |
Current / open credit lines:
| 7
/
7 | Length of status: | 5y 10m |
|
Amount delinquent:
| $0 |
Total credit lines:
| 13 |
Occupation: | Sales - Commission |
|
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $3,664 | Stated income: | $50,000-$74,999 |
|
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 92% | | |
| | |
Homeownership:
| No | | |
|
Screen name:
| the-fund-recorder |
Borrower's state:
| NorthCarolina |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Description
pay off taxes
Purpose of loan:
This loan will be used to?
pay off quartly income taxes.
My financial situation:
I am a good candidate for this loan because? I have very good credit.
Monthly net income: $ 3200.00
Monthly expenses: $
??Housing: $ 291.00
??Insurance: $ 200.00
??Car expenses: $ 350.00
??Utilities: $ 350.00
??Phone, cable, internet: $ 350.00
??Food, entertainment: $?500.00
??Clothing, household expenses $ 100.00
??Credit cards and other loans: $ 300.00
??Other expenses: $ 200.00
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
477012
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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:
| 18.3% | | |
| | | |
|
|
Starting lender yield:
| 34.00% |
Starting borrower rate/APR:
| 35.00% / 38.72% |
Starting monthly payment:
| $339.27 |
| |
|
Auction yield range:
| 16.79% - 34.00% |
Estimated loss impact:
| 20.31% | | |
|
Lender servicing fee:
| 1.00% |
Estimated return:
| 13.69% | | |
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 score (1-10):
| 4 |
First credit line:
| Jul-1996 |
Debt/Income ratio:
| 41% |
|
Credit score:
| 680-699 (Sep-2010) |
Inquiries last 6m:
| 0 | Employment status: | Employed |
|
Now delinquent:
| 0 |
Current / open credit lines:
| 8
/
6 | Length of status: | 8y 3m |
|
Amount delinquent:
| $0 |
Total credit lines:
| 18 |
Occupation: | Professional |
|
Public records last 12m / 10y:
| 0/ 1 |
Revolving credit balance:
| $109,784 | Stated income: | $75,000-$99,999 |
|
Delinquencies in last 7y:
| 2 |
Bankcard utilization:
| 101% | | |
| | |
Homeownership:
| Yes | | |
|
Screen name:
| delicious-vigilance3 |
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
life paying down debt ill daughter
Purpose of loan:
This loan will be used to paying down debt in order to assist daughter who was just diagnosed with cancer?
My financial situation:
I am a good candidate for this loan because? I am consciencious and work hard to take care of my personal obligations.????
Monthly net income: $ 5701.38
Monthly expenses: $
??Housing: $ 1516.21
??Insurance: $?411
??Car expenses: $?140
??Utilities: $ 182
??Phone, cable, internet: $ 186
??Food, entertainment: $?155
??Clothing, household expenses $ 125
??Credit cards and other loans: $?780
Other expenses: $ 100
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
477014
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
|
Amount:
| $6,200.00 |
Prosper Rating:
| HR |
Auction Duration:
| 7 days
|
|
Term:
| 36 months |
Estimated loss:
| 18.3% | | |
| | | |
|
|
Starting lender yield:
| 34.00% |
Starting borrower rate/APR:
| 35.00% / 38.72% |
Starting monthly payment:
| $280.46 |
| |
|
Auction yield range:
| 16.79% - 34.00% |
Estimated loss impact:
| 20.31% | | |
|
Lender servicing fee:
| 1.00% |
Estimated return:
| 13.69% | | |
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 score (1-10):
| 4 |
First credit line:
| Jun-1966 |
Debt/Income ratio:
| 31% |
|
Credit score:
| 740-759 (Sep-2010) |
Inquiries last 6m:
| 0 | Employment status: | Employed |
|
Now delinquent:
| 0 |
Current / open credit lines:
| 5
/
5 | Length of status: | 2y 6m |
|
Amount delinquent:
| $0 |
Total credit lines:
| 38 |
Occupation: | Professional |
|
Public records last 12m / 10y:
| 0/ 1 |
Revolving credit balance:
| $0 | Stated income: | $25,000-$49,999 |
|
Delinquencies in last 7y:
| 11 |
Bankcard utilization:
| 0% | | |
| | |
Homeownership:
| No | | |
|
Screen name:
| best-heavenly-contract |
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
Helping PTSD Vets To Heal w/o Drugs
Purpose of loan:
This loan will be used to set up a biofeedback company that will enable recent veterans (from Iraq and Afghanistan) to heal from PTSD in a drug-free way.? I am a professional in the area of biofeedback and bioresonance with a doctorate in psychology. I am well prepared to do this type of work, and have been doing it for 11 years. There is a huge need for the type of work I am doing. I have been encouraged to do this by a former psychologist with the Walter Reed Army Hospital in Washington, DC.? He has been doing this type of work with me and thinks it would be outstanding for the limitations of current vets who are being highly drugged to cope with their trauma.
My financial situation:
I am a good candidate for this loan because I already own the equipment and I have excellent skills in this area. I have all my personal expenses covered, so I will not need a great deal to get started. I can re-invest much of what I make back into the company.? With my experience in business, I should be able to handle the running of this practice, finances included, successfully.
Monthly net income: $
Monthly expenses: $2774.
??Housing: $ 1240.
??Insurance: $
224.
??Car expenses: $
78.
??Utilities: $
248.
??Phone, cable, internet: $
99.
??Food, entertainment: $
320.
??Clothing, household expenses $ 145.
??Credit cards and other loans: $
342.
??Other expenses: $ ????78.
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
477018
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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:
| 10.8% | | |
| | | |
|
|
Starting lender yield:
| 11.00% |
Starting borrower rate/APR:
| 12.00% / 15.23% |
Starting monthly payment:
| $398.57 |
| |
|
Auction yield range:
| 10.79% - 11.00% |
Estimated loss impact:
| 11.03% | | |
|
Lender servicing fee:
| 1.00% |
Estimated return:
| -0.03% | | |
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
|
Prosper score (1-10):
| 5 |
First credit line:
| May-1993 |
Debt/Income ratio:
| 16% |
|
Credit score:
| 720-739 (Sep-2010) |
Inquiries last 6m:
| 2 | Employment status: | Employed |
|
Now delinquent:
| 2 |
Current / open credit lines:
| 3
/
3 | Length of status: | 9y 4m |
|
Amount delinquent:
| $613 |
Total credit lines:
| 11 |
Occupation: | Civil Service |
|
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $9,128 | Stated income: | $50,000-$74,999 |
|
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 94% | | |
| | |
Homeownership:
| Yes | | |
|
Screen name:
| dime-oboe |
Borrower's state:
| WestVirginia |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Description
Paying off my credit card
Purpose of loan:
This loan will be used to?
My financial situation:
I am a good candidate for this loan because?
Monthly net income:
Monthly expenses:
??Housing: $
??Insurance: $
??Car expenses: $
??Utilities: $
??Phone, cable, internet: $
??Food, entertainment: $
??Clothing, household expenses $
??Credit cards and other loans: $
??Other expenses: $
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
477020
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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:
| 36.6% | | |
| | | |
|
|
Starting lender yield:
| 34.00% |
Starting borrower rate/APR:
| 35.00% / 38.72% |
Starting monthly payment:
| $203.56 |
| |
|
Auction yield range:
| 16.79% - 34.00% |
Estimated loss impact:
| 38.61% | | |
|
Lender servicing fee:
| 1.00% |
Estimated return:
| -4.61% | | |
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
|
Prosper score (1-10):
| 1 |
First credit line:
| Nov-2001 |
Debt/Income ratio:
| Self-employed (DTI Not Calculated) |
|
Credit score:
| 660-679 (Sep-2010) |
Inquiries last 6m:
| 0 | Employment status: | Self-employed |
|
Now delinquent:
| 2 |
Current / open credit lines:
| 8
/
10 | Length of status: | 3y 4m |
|
Amount delinquent:
| $9,848 |
Total credit lines:
| 20 |
Occupation: | Professional |
|
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $56,837 | Stated income: | $75,000-$99,999 |
|
Delinquencies in last 7y:
| 13 |
Bankcard utilization:
| 104% | | |
| | |
Homeownership:
| Yes | | |
|
Screen name:
| luquitas |
Borrower's state:
| Hawaii |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Description
Sending my son to school
Purpose of loan:
This loan will be used to send my very talented son to Idyllwild Arts Academy.? He is a music major, and while we have a scholarship award, a deposit of?$6000 is required of us before?he can start school.? School officially started yesterday!?PLEASE HELP!!!
My financial situation:
I am a good candidate for this loan because I have paid off every loan I have ever had.
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
477026
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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:
| 3.5% | | |
| | | |
|
|
Starting lender yield:
| 10.15% |
Starting borrower rate/APR:
| 11.15% / 13.27% |
Starting monthly payment:
| $164.05 |
| |
|
Auction yield range:
| 3.79% - 10.15% |
Estimated loss impact:
| 3.53% | | |
|
Lender servicing fee:
| 1.00% |
Estimated return:
| 6.62% | | |
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 score (1-10):
| 9 |
First credit line:
| May-1974 |
Debt/Income ratio:
| Not calculated |
|
Credit score:
| 840-859 (Sep-2010) |
Inquiries last 6m:
| 0 | Employment status: | Employed |
|
Now delinquent:
| 0 |
Current / open credit lines:
| 15
/
15 | Length of status: | 8y 4m |
|
Amount delinquent:
| $0 |
Total credit lines:
| 35 |
Occupation: | Accountant/CPA |
|
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $5,803 | Stated income: | $50,000-$74,999 |
|
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 2% | | |
| | |
Homeownership:
| No | | |
|
Screen name:
| duty-renaissance |
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 old bills
Reason for loan so I can pay off old bills.
I have a stable job and income so I most definatley able to make my payments on time.
I am a great candidate for this loan because my credit is in good standings. Thank You have a great day!
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
477034
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
|
Amount:
| $5,500.00 |
Prosper Rating:
| HR |
Auction Duration:
| 7 days
|
|
Term:
| 36 months |
Estimated loss:
| 24.0% | | |
| | | |
|
|
Starting lender yield:
| 16.79% |
Starting borrower rate/APR:
| 17.79% / 21.14% |
Starting monthly payment:
| $198.26 |
| |
|
Auction yield range:
| 16.79% - 16.79% |
Estimated loss impact:
| 24.92% | | |
|
Lender servicing fee:
| 1.00% |
Estimated return:
| -8.13% | | |
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
|
Prosper score (1-10):
| 3 |
First credit line:
| Jun-1997 |
Debt/Income ratio:
| 39% |
|
Credit score:
| 700-719 (Sep-2010) |
Inquiries last 6m:
| 1 | Employment status: | Employed |
|
Now delinquent:
| 1 |
Current / open credit lines:
| 11
/
10 | Length of status: | 0y 11m |
|
Amount delinquent:
| $1,465 |
Total credit lines:
| 23 |
Occupation: | Administrative Assi... |
|
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $2,201 | Stated income: | $25,000-$49,999 |
|
Delinquencies in last 7y:
| 24 |
Bankcard utilization:
| 23% | | |
| | |
Homeownership:
| No | | |
|
Screen name:
| a-bid-paddle5 |
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
Kettle Corn Equipment
Purpose of loan:
This loan will be used to purchase kettle corn making equipment. The cost of the equipment is $4500 and I have almost $2000 saved up for the remainder of the equipment, supplies(popcorn, sugar, oil, salt, propane), insurance, licenses, and event fees.. This should be sufficient to get started. I am looking to fund this loan as soon as possible as the fall season is peak festival time and I already have several opportunities available to get started.
My financial situation:
My financial situation is not as bad as prosper makes it look. Currently, I have a 700+ credit score and am almost out of debt. I went through a divorce and was stuck with the majority of the debt. I have almost completely paid my debts back. One item in particular is not being reported correctly. The Amount of $1465 is not delinquent and I completely paid off that account years ago. This is currently being reviewed by the credit bureaus since I recently disputed that account. Update: As of 9/24/10, Experian has removed this item from my credit report, however prosper does not update reports within 30 days.
I am a good candidate for this loan:
I have already done all of the necessary research and started networking the business in order to find places to become a vendor. Additionally my boyfriend is experienced with marketing and business practices. He is also willing to make the popcorn pop and I will be the sales woman. We both have good full-time jobs and although this loan is a 36 month term, my goal is to pay this back within 24 months.
Monthly net income: $ 2000
Monthly expenses: $1500
??Housing: $ 0
??Insurance: $ 200
??Car expenses: $ 80
??Utilities: $ 120
??Phone, cable, internet: $ 150
??Food, entertainment: $ 300
??Clothing, household expenses $ 100
??Credit cards and other loans: $ 400
??Other expenses: $ 150
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
477040
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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:
| 1.6% | | |
| | | |
|
|
Starting lender yield:
| 7.25% |
Starting borrower rate/APR:
| 8.25% / 8.59% |
Starting monthly payment:
| $471.78 |
| |
|
Auction yield range:
| 2.79% - 7.25% |
Estimated loss impact:
| 1.55% | | |
|
Lender servicing fee:
| 1.00% |
Estimated return:
| 5.70% | | |
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 score (1-10):
| 10 |
First credit line:
| Mar-1987 |
Debt/Income ratio:
| 10% |
|
Credit score:
| 860-879 (Sep-2010) |
Inquiries last 6m:
| 1 | Employment status: | Employed |
|
Now delinquent:
| 0 |
Current / open credit lines:
| 13
/
13 | Length of status: | 16y 3m |
|
Amount delinquent:
| $0 |
Total credit lines:
| 36 |
Occupation: | Sales - Commission |
|
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $13,047 | Stated income: | $100,000+ |
|
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 13% | | |
| | |
Homeownership:
| Yes | | |
|
Screen name:
| first-peace-competitor |
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
Buying used car
Purpose of loan:
This loan will be used to purchase a good used car to be used for my sales position.?
My financial situation:
I am a good candidate for this loan because I have an excellent credit rating and repayment history.
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
477044
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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:
| 10.8% | | |
| | | |
|
|
Starting lender yield:
| 11.00% |
Starting borrower rate/APR:
| 12.00% / 15.23% |
Starting monthly payment:
| $332.14 |
| |
|
Auction yield range:
| 10.79% - 11.00% |
Estimated loss impact:
| 11.03% | | |
|
Lender servicing fee:
| 1.00% |
Estimated return:
| -0.03% | | |
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
|
Prosper score (1-10):
| 8 |
First credit line:
| Jun-1993 |
Debt/Income ratio:
| 8% |
|
Credit score:
| 680-699 (Sep-2010) |
Inquiries last 6m:
| 1 | Employment status: | Employed |
|
Now delinquent:
| 0 |
Current / open credit lines:
| 8
/
6 | Length of status: | 5y 7m |
|
Amount delinquent:
| $0 |
Total credit lines:
| 24 |
Occupation: | Sales - Commission |
|
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $98,443 | Stated income: | $100,000+ |
|
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 92% | | |
| | |
Homeownership:
| Yes | | |
|
Screen name:
| green-peso-britches |
Borrower's state:
| NewYork |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Description
Paying off credit card
Purpose of loan:
This loan will be used to pay off credit card. My rates are too high?
My financial situation:
I am a good candidate for this loan because I pay my bills on time.?
Monthly net income: $ 5000.
Monthly expenses: $ 4800.
??Housing: $ 3500.
??Insurance: $
??Car expenses: $?0
??Utilities: $ 200.
??Phone, cable, internet: $ 100.
??Food, entertainment: $ 200.
??Clothing, household expenses $ 200.
??Credit cards and other loans: $ 600.
??Other expenses: $
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
477046
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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:
| E |
Auction Duration:
| 7 days
|
|
Term:
| 36 months |
Estimated loss:
| 14.2% | | |
| | | |
|
|
Starting lender yield:
| 19.50% |
Starting borrower rate/APR:
| 20.50% / 23.90% |
Starting monthly payment:
| $280.64 |
| |
|
Auction yield range:
| 13.79% - 19.50% |
Estimated loss impact:
| 15.07% | | |
|
Lender servicing fee:
| 1.00% |
Estimated return:
| 4.43% | | |
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
|
Prosper score (1-10):
| 5 |
First credit line:
| Feb-1999 |
Debt/Income ratio:
| Not calculated |
|
Credit score:
| 680-699 (Sep-2010) |
Inquiries last 6m:
| 2 | Employment status: | Employed |
|
Now delinquent:
| 0 |
Current / open credit lines:
| 4
/
4 | Length of status: | 0y 1m |
|
Amount delinquent:
| $0 |
Total credit lines:
| 20 |
Occupation: | Teacher |
|
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $12,849 | Stated income: | $25,000-$49,999 |
|
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 75% | | |
| | |
Homeownership:
| No | | |
|
Screen name:
| velocity-carrier |
Borrower's state:
| Florida |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
| Loan history | Payment history | Credit score history |
|
Active / total loans:
| 0 / 1 |
On-time:
| 1 ( 100% )
| 680-699 (Latest)
|
|
Principal borrowed:
| $1,500.00 | < 31 days late:
| 0
( 0% )
| 680-699
(Aug-2010)
|
|
Principal balance:
| $0.00 |
31+ days late:
| 0
( 0% )
|
|
Total payments billed:
| 1 | | |
Description
Pay-off for high rate credit card
Purpose of loan:
This loan will be used to?pay off a high rate card?
My financial situation:
I am a good candidate for this loan because?I always pay my debts?
Monthly net income: $40605
Monthly expenses: $2040
??Housing: $665
??Insurance: $130
??Car expenses: $415
??Utilities: $130
??Phone, cable, internet: $100
??Food, entertainment: $200
??Clothing, household expenses $150?
??Credit cards and other loans: $200
??Other expenses: $50
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
477050
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
|
Amount:
| $15,000.00 |
Prosper Rating:
| C |
Auction Duration:
| 7 days
|
|
Term:
| 36 months |
Estimated loss:
| 8.7% | | |
| | | |
|
|
Starting lender yield:
| 7.79% |
Starting borrower rate/APR:
| 8.79% / 11.96% |
Starting monthly payment:
| $475.53 |
| |
|
Auction yield range:
| 7.79% - 7.79% |
Estimated loss impact:
| 8.85% | | |
|
Lender servicing fee:
| 1.00% |
Estimated return:
| -1.06% | | |
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 score (1-10):
| 6 |
First credit line:
| Apr-1991 |
Debt/Income ratio:
| 23% |
|
Credit score:
| 820-839 (Sep-2010) |
Inquiries last 6m:
| 1 | Employment status: | Employed |
|
Now delinquent:
| 0 |
Current / open credit lines:
| 7
/
6 | Length of status: | 23y 3m |
|
Amount delinquent:
| $0 |
Total credit lines:
| 16 |
Occupation: | Civil Service |
|
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $6,245 | Stated income: | $75,000-$99,999 |
|
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 31% | | |
| | |
Homeownership:
| Yes | | |
|
Screen name:
| qtm1021 |
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
Credit card consolidation
Purpose of loan:
This loan will be used to payoff credit card debt cause by a death in the family.? Family of six living and working in Korea and had to return to the States created a fair amount of credit debt.
My financial situation:
I am a good candidate for this loan because the payments will be made right out of my bank account and I have been a Prosper lender fr over 20 oans since 2007.
Monthly net income: $ 7000
Monthly expenses: $
??Housing: $
1000
??Insurance: $
250
??Car expenses: $
700
??Utilities: $
??Phone, cable, internet: $
250
??Food, entertainment: $
2000
??Clothing, household expenses $
500
??Credit cards and other loans: $ 500
??Other expenses: $
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
477054
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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:
| 10.8% | | |
| | | |
|
|
Starting lender yield:
| 26.50% |
Starting borrower rate/APR:
| 27.50% / 31.05% |
Starting monthly payment:
| $102.73 |
| |
|
Auction yield range:
| 10.79% - 26.50% |
Estimated loss impact:
| 11.46% | | |
|
Lender servicing fee:
| 1.00% |
Estimated return:
| 15.04% | | |
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
|
Prosper score (1-10):
| 8 |
First credit line:
| Aug-1990 |
Debt/Income ratio:
| 31% |
|
Credit score:
| 640-659 (Sep-2010) |
Inquiries last 6m:
| 0 | Employment status: | Employed |
|
Now delinquent:
| 0 |
Current / open credit lines:
| 17
/
16 | Length of status: | 2y 9m |
|
Amount delinquent:
| $0 |
Total credit lines:
| 31 |
Occupation: | Accountant/CPA |
|
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $7,532 | Stated income: | $50,000-$74,999 |
|
Delinquencies in last 7y:
| 1 |
Bankcard utilization:
| 45% | | |
| | |
Homeownership:
| No | | |
|
Screen name:
| radiant-camaraderi987 |
Borrower's state:
| Texas |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Description
Buying an Engagement Ring
Purpose of loan:
This loan will be used to buy an engagement ring for my girl friend of 2 years.? I have recently?purchased the base ring and plan on purchasing a diamond from a wholesale jeweler (family friend) as well as have him finish the ring and certify the finished product.
My financial situation:
I am a good candidate for this loan because I have recently finished my MBA and will now be able to devote more time into creating wealth for both myself and my future fiance.? I?currently work for?a Fortune 500 company (for almost three years now) and will soon be taking on more responsibility.? I am three years into a five year car note, have no rent, and only have further debt related to federal student loans.
Monthly net income: $ 3250
Monthly expenses: $
??Housing: $ 0
??Insurance: $ 150
??Car expenses: $ 350
??Utilities: $ 0
??Phone, cable, internet: $?150
??Food, entertainment: $?200
??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
477076
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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:
| E |
Auction Duration:
| 7 days
|
|
Term:
| 36 months |
Estimated loss:
| 14.2% | | |
| | | |
|
|
Starting lender yield:
| 33.35% |
Starting borrower rate/APR:
| 34.35% / 38.06% |
Starting monthly payment:
| $336.52 |
| |
|
Auction yield range:
| 13.79% - 33.35% |
Estimated loss impact:
| 15.74% | | |
|
Lender servicing fee:
| 1.00% |
Estimated return:
| 17.61% | | |
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
|
Prosper score (1-10):
| 6 |
First credit line:
| Jun-1998 |
Debt/Income ratio:
| 33% |
|
Credit score:
| 680-699 (Sep-2010) |
Inquiries last 6m:
| 3 | Employment status: | Employed |
|
Now delinquent:
| 0 |
Current / open credit lines:
| 12
/
11 | Length of status: | 1y 8m |
|
Amount delinquent:
| $0 |
Total credit lines:
| 25 |
Occupation: | Skilled Labor |
|
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $35,568 | Stated income: | $50,000-$74,999 |
|
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 61% | | |
| | |
Homeownership:
| Yes | | |
|
Screen name:
| innocent-p2p1 |
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
need a lawyer
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: $ I plan to pay off a credit card i have
??Other expenses: $ I have to pay a lawyer to help me with a previous employer that went bankrupt. I never recived reimbursments.
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
477078
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
|
Amount:
| $2,400.00 |
Prosper Rating:
| HR |
Auction Duration:
| 7 days
|
|
Term:
| 36 months |
Estimated loss:
| 18.3% | | |
| | | |
|
|
Starting lender yield:
| 34.00% |
Starting borrower rate/APR:
| 35.00% / 38.72% |
Starting monthly payment:
| $108.57 |
| |
|
Auction yield range:
| 16.79% - 34.00% |
Estimated loss impact:
| 20.31% | | |
|
Lender servicing fee:
| 1.00% |
Estimated return:
| 13.69% | | |
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 score (1-10):
| 5 |
First credit line:
| Apr-1991 |
Debt/Income ratio:
| 23% |
|
Credit score:
| 640-659 (Sep-2010) |
Inquiries last 6m:
| 1 | Employment status: | Employed |
|
Now delinquent:
| 0 |
Current / open credit lines:
| 6
/
5 | Length of status: | 23y 1m |
|
Amount delinquent:
| $0 |
Total credit lines:
| 17 |
Occupation: | Civil Service |
|
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $36,646 | Stated income: | $50,000-$74,999 |
|
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 97% | | |
| | |
Homeownership:
| No | | |
|
Screen name:
| benjamins-mongoose |
Borrower's state:
| NewYork |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
| Loan history | Payment history | Credit score history |
|
Active / total loans:
| 1 / 1 |
On-time:
| 9 ( 100% )
| 640-659 (Latest)
|
|
Principal borrowed:
| $2,100.00 | < 31 days late:
| 0
( 0% )
| 680-699
(Nov-2009)
|
|
Principal balance:
| $1,690.96 |
31+ days late:
| 0
( 0% )
|
|
Total payments billed:
| 9 | | |
Description
pay off a charge card
Purpose of loan:
This loan will be used to?pay off a charge card.?
My financial situation:
I am a good candidate for this loan because? i have already taken a prosper loan and have had no untimely payments. I also pay my other bills on time.?
Monthly net income: $ 37000
Monthly expenses: $
??Housing: $ 700
??Insurance: $ 110
??Car expenses: $ 150
??Utilities: $?250
??Phone, cable, internet: $ 200
??Food, entertainment: $ 200
??Clothing, household expenses $ 30
??Credit cards and other loans: $ 500
??Other expenses: $
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
477090
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
|
Amount:
| $3,700.00 |
Prosper Rating:
| HR |
Auction Duration:
| 7 days
|
|
Term:
| 36 months |
Estimated loss:
| 24.0% | | |
| | | |
|
|
Starting lender yield:
| 34.00% |
Starting borrower rate/APR:
| 35.00% / 38.72% |
Starting monthly payment:
| $167.37 |
| |
|
Auction yield range:
| 16.79% - 34.00% |
Estimated loss impact:
| 26.01% | | |
|
Lender servicing fee:
| 1.00% |
Estimated return:
| 7.99% | | |
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 score (1-10):
| 2 |
First credit line:
| Apr-1997 |
Debt/Income ratio:
| 50% |
|
Credit score:
| 660-679 (Sep-2010) |
Inquiries last 6m:
| 3 | Employment status: | Employed |
|
Now delinquent:
| 0 |
Current / open credit lines:
| 14
/
11 | Length of status: | 0y 10m |
|
Amount delinquent:
| $0 |
Total credit lines:
| 57 |
Occupation: | Teacher |
|
Public records last 12m / 10y:
| 0/ 1 |
Revolving credit balance:
| $7,768 | Stated income: | $25,000-$49,999 |
|
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 80% | | |
| | |
Homeownership:
| Yes | | |
|
Screen name:
| dime-resonance |
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
Excellent Risk; Paying IRS
Purpose of loan: This loan will be used to pay an IRS and State of Kansas tax bill
My financial situation: I am a good candidate for this loan because I am never late on any of my monthly expenses; I will set up automatic debit so that the monthly payments are automatically deducted from my account to guarantee payment to the lender(s).
Monthly net income: $5500 (including spouse).? My monthly income after taxes, retirement, & insurance = $2500, Spouse income after taxes, retirement, and insurance = $2200-2500 (depending on overtime).
Monthly expenses: $3898 (total)???
Housing: $ 1000 (recently refinanced includes escrow/property tax/insurance).??
Insurance: $250.00 (auto x2) ??Car expenses: $200 (gas/oil changes ?when needed)???
Utilities: $ 175 (includes electricity, gas, and water)??
Phone, cable, internet: $ 385 (includes phone, cell phone, internet, and cable)?
?Food, entertainment: $300-400 per month in grocery expenses.? We do not really go out much, we do more family activities.???
Clothing, household expenses $200 (misc expenses)???
Credit cards and other loans: $7500 = my credit card balance with minimum monthly payments averaging about $220 per month.? Spouse: $9500 = credit card balance with minimum monthly payments averaging about $475.? Car loan (1) $302 and Car loan (2) $341.
Total net monthly income = $5500
Total monthly expenses = $3898
Remaining allowance (monthly) =1200-1600 (depending on usage of monthly utilities, misc expenses such as medical, veterinary, or opportunity to pay extra on credit card balances.
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
477092
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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:
| 36.6% | | |
| | | |
|
|
Starting lender yield:
| 34.00% |
Starting borrower rate/APR:
| 35.00% / 38.72% |
Starting monthly payment:
| $271.42 |
| |
|
Auction yield range:
| 16.79% - 34.00% |
Estimated loss impact:
| 38.61% | | |
|
Lender servicing fee:
| 1.00% |
Estimated return:
| -4.61% | | |
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
|
Prosper score (1-10):
| 1 |
First credit line:
| Apr-1985 |
Debt/Income ratio:
| 30% |
|
Credit score:
| 640-659 (Sep-2010) |
Inquiries last 6m:
| 4 | Employment status: | Employed |
|
Now delinquent:
| 1 |
Current / open credit lines:
| 20
/
20 | Length of status: | 4y 1m |
|
Amount delinquent:
| $6,439 |
Total credit lines:
| 61 |
Occupation: | Nurse (RN) |
|
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $19,217 | Stated income: | $100,000+ |
|
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 94% | | |
| | |
Homeownership:
| Yes | | |
|
Screen name:
| rnbusy |
Borrower's state:
| Texas |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
| Loan history | Payment history | Credit score history |
|
Active / total loans:
| 1 / 3 |
On-time:
| 75 ( 100% )
| 640-659 (Latest)
|
|
Principal borrowed:
| $18,500.00 | < 31 days late:
| 0
( 0% )
| 660-679
(Aug-2009)
640-659
(Feb-2008)
620-639
(Dec-2007)
660-679
(Oct-2006)
|
|
Principal balance:
| $4,468.61 |
31+ days late:
| 0
( 0% )
|
|
Total payments billed:
| 75 | | |
Description
Re-List - Pls. Read -4th Pros Loan
Purpose of loan:
This loan will be used to? Work toward becoming debt free. I will use this loan to pay off?debt quicker.The payment will be lower than what I am currently paying and I will then use that money to continue becoming debt free.This is a commitment I am completely driven to achieve.
My financial situation:
I am a good candidate for this loan because? I am dependable and reliable, have been working in health care for over 30 years, committed to only 3 facilities during that time. I have?NEVER defaulted on anything in my life and am grateful for my dependable income. I pay ALL my bills on time, ALWAYS.?The delinquency showing currently is?INACCURATE as during a re-age with the same mortgage?company, it made the old payments appear late, and they?have?ALREADY FIXED?this issue.I would be glad to provide specifics if needed.?I am honest and hard-working, and totally committed to removing debt from my life.?I am currently in a Master's program, which is the?source of?some of my debt.Five years ago, we refinanced our mortgage to ten years so that the house would be paid by the time we retire. This raised our debt ratio, and before the economy crash, it was not seen as such a negatve?factor.I HAVE PAID ALL PREVIOUS PROSPER LOANS WITH 100% PERFECT HISTORY. My experience with prosper has been very positive and the vision of people helping people is what America stands for,I WOULD NEVER TAKE ADVANTAGE OF THAT. It is the major reason I chose the profession?of Health Care.?Thank you all for your consideration and I would be glad to answer any questions you may have. You will not regret helping me reach my goals.
Monthly net income: $ 5700.00
Monthly expenses: $
??Housing: $ 1300.00
??Insurance: $ 130.00
??Car expenses: $ 0
??Utilities: $ 150.00
??Phone, cable, internet: $?60.00
??Food, entertainment: $ 200.00
??Clothing, household expenses $ 150.00
??Credit cards and other loans: $ 800.00
??Other expenses: $ 200.00
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
477094
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
|
Amount:
| $1,200.00 |
Prosper Rating:
| HR |
Auction Duration:
| 7 days
|
|
Term:
| 36 months |
Estimated loss:
| 24.0% | | |
| | | |
|
|
Starting lender yield:
| 34.00% |
Starting borrower rate/APR:
| 35.00% / 40.24% |
Starting monthly payment:
| $54.28 |
| |
|
Auction yield range:
| 16.79% - 34.00% |
Estimated loss impact:
| 26.01% | | |
|
Lender servicing fee:
| 1.00% |
Estimated return:
| 7.99% | | |
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 score (1-10):
| 3 |
First credit line:
| Dec-2005 |
Debt/Income ratio:
| 6% |
|
Credit score:
| 660-679 (Sep-2010) |
Inquiries last 6m:
| 3 | Employment status: | Employed |
|
Now delinquent:
| 0 |
Current / open credit lines:
| 2
/
0 | Length of status: | 1y 11m |
|
Amount delinquent:
| $0 |
Total credit lines:
| 3 |
Occupation: | Student - College S... |
|
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $0 | Stated income: | $1-$24,999 |
|
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 0% | | |
| | |
Homeownership:
| No | | |
|
Screen name:
| visionary-social6 |
Borrower's state:
| California |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Description
For rent until V.A benefits kick in
Purpose of loan:
This loan will be used to pay for rent, transportation expenses, and building credit history.? A portion will also be deposited into a savings account.
My financial situation:
I am a good candidate for this loan, because I understand the importance of building and maintaining great credit.? I have always been in excellent standing with previous student loans.? Minus minor expenses, this loan will be used to cover housing necessities for the month of November.? The following month, my V.A. benefits and financial aid will continue.?
Monthly net income:$ 845
Monthly expenses: $??
Housing: $ 400?
Insurance: $ 0?
Car expenses: $ 20?
Utilities: $ 35?
Phone, cable, internet: $ 70?
Food, entertainment: $ 120?
Clothing, household expenses $ 0?
Credit cards and other loans: $ 0?
Other expenses: $ 0
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
477096
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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:
| 10.8% | | |
| | | |
|
|
Starting lender yield:
| 10.79% |
Starting borrower rate/APR:
| 11.79% / 15.02% |
Starting monthly payment:
| $496.71 |
| |
|
Auction yield range:
| 10.79% - 10.79% |
Estimated loss impact:
| 11.02% | | |
|
Lender servicing fee:
| 1.00% |
Estimated return:
| -0.23% | | |
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
|
Prosper score (1-10):
| 6 |
First credit line:
| Mar-1992 |
Debt/Income ratio:
| 26% |
|
Credit score:
| 740-759 (Sep-2010) |
Inquiries last 6m:
| 1 | Employment status: | Employed |
|
Now delinquent:
| 0 |
Current / open credit lines:
| 11
/
10 | Length of status: | 9y 10m |
|
Amount delinquent:
| $0 |
Total credit lines:
| 48 |
Occupation: | Computer Programmer |
|
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $16,646 | Stated income: | $75,000-$99,999 |
|
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 45% | | |
| | |
Homeownership:
| Yes | | |
|
Screen name:
| kind-order-boomerang |
Borrower's state:
| Pennsylvania |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Description
Need to replace a well pump...
Purpose of loan:
This loan will be used to?
to replace a well pump and close off some credit card debt incurred from an addition we built in '08
My financial situation:
I am a good candidate for this loan because?both my wife and I have high incomes in high demand fields (she is an Nurse Practitioner).
Monthly net income: $
14300
Monthly expenses: $
??Housing: $
2405
??Insurance: $
133
??Car expenses: $
500
??Utilities: $
300-400
??Phone, cable, internet: $
300
??Food, entertainment: $
1000
??Clothing, household expenses? $700
??Credit cards and other loans: $
1500
??Other expenses: $
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
477100
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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:
| 24.0% | | |
| | | |
|
|
Starting lender yield:
| 19.00% |
Starting borrower rate/APR:
| 20.00% / 23.39% |
Starting monthly payment:
| $278.73 |
| |
|
Auction yield range:
| 16.79% - 19.00% |
Estimated loss impact:
| 25.06% | | |
|
Lender servicing fee:
| 1.00% |
Estimated return:
| -6.06% | | |
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
|
Prosper score (1-10):
| 3 |
First credit line:
| Nov-1995 |
Debt/Income ratio:
| 30% |
|
Credit score:
| 660-679 (Sep-2010) |
Inquiries last 6m:
| 3 | Employment status: | Employed |
|
Now delinquent:
| 0 |
Current / open credit lines:
| 19
/
15 | Length of status: | 17y 8m |
|
Amount delinquent:
| $0 |
Total credit lines:
| 62 |
Occupation: | Military Enlisted |
|
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $36,263 | Stated income: | $50,000-$74,999 |
|
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 92% | | |
| | |
Homeownership:
| Yes | | |
|
Screen name:
| tadman74 |
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
Loan Repayment
Purpose of loan:
This loan will be used to pay of my existing Thrift Savings Plan (TSP)?loan.? Once the TSP loan is paid off, I will?take out another TSP loan due to?the current rate?only being 2.125% and then pay off this Prosper Loan and $20,000 worth of credit card debt.? This Prosper Loan will be paid in full within 90 days of funding.
My financial situation:
I am a good candidate for this loan because?I?would lose my security clearance if?I?did not properly handle my finances.?
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
477106
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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:
| 18.3% | | |
| | | |
|
|
Starting lender yield:
| 34.00% |
Starting borrower rate/APR:
| 35.00% / 38.72% |
Starting monthly payment:
| $226.18 |
| |
|
Auction yield range:
| 16.79% - 34.00% |
Estimated loss impact:
| 20.31% | | |
|
Lender servicing fee:
| 1.00% |
Estimated return:
| 13.69% | | |
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 score (1-10):
| 4 |
First credit line:
| Feb-1999 |
Debt/Income ratio:
| Not calculated |
|
Credit score:
| 680-699 (Sep-2010) |
Inquiries last 6m:
| 0 | Employment status: | Other |
|
Now delinquent:
| 0 |
Current / open credit lines:
| 6
/
3 | Length of status: | 7y 7m |
|
Amount delinquent:
| $0 |
Total credit lines:
| 22 |
Occupation: | Other |
|
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $7,967 | Stated income: | $50,000-$74,999 |
|
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 94% | | |
| | |
Homeownership:
| Yes | | |
|
Screen name:
| orange-majestic-deal |
Borrower's state:
| Washington |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Description
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
477108
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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:
| 10.8% | | |
| | | |
|
|
Starting lender yield:
| 26.50% |
Starting borrower rate/APR:
| 27.50% / 31.05% |
Starting monthly payment:
| $616.41 |
| |
|
Auction yield range:
| 10.79% - 26.50% |
Estimated loss impact:
| 11.46% | | |
|
Lender servicing fee:
| 1.00% |
Estimated return:
| 15.04% | | |
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
|
Prosper score (1-10):
| 5 |
First credit line:
| Jul-1998 |
Debt/Income ratio:
| 23% |
|
Credit score:
| 800-819 (Sep-2010) |
Inquiries last 6m:
| 3 | Employment status: | Employed |
|
Now delinquent:
| 0 |
Current / open credit lines:
| 9
/
7 | Length of status: | 9y 11m |
|
Amount delinquent:
| $0 |
Total credit lines:
| 22 |
Occupation: | Other |
|
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $391 | Stated income: | $25,000-$49,999 |
|
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 3% | | |
| | |
Homeownership:
| Yes | | |
|
Screen name:
| librealfin |
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 highest APR debt
Purpose of loan:
This loan will be used to pay my highest interest rate debt?
My financial situation:
I am a good candidate for this loan because?it have never gone a time without paying my debts on time, and I only have this one that I would like to get rid of it as soon as posible if I can get a lower interest rate than the one I got?
Monthly net income: $ 2368
Monthly expenses: $
??Housing: $ 1200
??Insurance: $60
??Car expenses: $ 100
??Utilities: $?100
??Phone, cable, internet: $ 100
??Food, entertainment: $100
??Clothing, household expenses $ 100
??Credit cards and other loans: $?0
??Other expenses: $ 300
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
477116
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
|
Amount:
| $1,200.00 |
Prosper Rating:
| HR |
Auction Duration:
| 7 days
|
|
Term:
| 36 months |
Estimated loss:
| 36.6% | | |
| | | |
|
|
Starting lender yield:
| 34.00% |
Starting borrower rate/APR:
| 35.00% / 40.24% |
Starting monthly payment:
| $54.28 |
| |
|
Auction yield range:
| 16.79% - 34.00% |
Estimated loss impact:
| 38.61% | | |
|
Lender servicing fee:
| 1.00% |
Estimated return:
| -4.61% | | |
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
|
Prosper score (1-10):
| 1 |
First credit line:
| Jun-2000 |
Debt/Income ratio:
| 155% |
|
Credit score:
| 640-659 (Sep-2010) |
Inquiries last 6m:
| 1 | Employment status: | Employed |
|
Now delinquent:
| 0 |
Current / open credit lines:
| 4
/
4 | Length of status: | 4y 8m |
|
Amount delinquent:
| $0 |
Total credit lines:
| 7 |
Occupation: | Other |
|
Public records last 12m / 10y:
| 0/ 1 |
Revolving credit balance:
| $1,984 | Stated income: | $1-$24,999 |
|
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 99% | | |
| | |
Homeownership:
| Yes | | |
|
Screen name:
| wendyplus5 |
Borrower's state:
| Washington |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
| Loan history | Payment history | Credit score history |
|
Active / total loans:
| 0 / 1 |
On-time:
| 35 ( 100% )
| 640-659 (Latest)
|
|
Principal borrowed:
| $1,500.00 | < 31 days late:
| 0
( 0% )
| 620-639
(Jun-2007)
|
|
Principal balance:
| $0.69 |
31+ days late:
| 0
( 0% )
|
|
Total payments billed:
| 35 | | |
Description
MaMa needs a new Washer and Dryer
Purpose of loan:
This loan will be used to to buy a new washer and dryer
My financial situation:
I am a good candidate for this loan because I have already payed back a prosper loan on time. I always pay all?my?bills on time. I have never been late on any of my bills. Plus the payment of this loan will be less than what I pay at the laundrymat every month, not including the gas and my time.?
Monthly net income: $ 3000.00
Monthly expenses: $
??Housing: $ 1080
??Insurance: $ 100
??Car expenses: $
??Utilities: $ 75
??Phone, cable, internet: $25
??Food, entertainment: $300
??Clothing, household expenses $ 100
??Credit cards and other loans: $ 40
??Other expenses: $
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
477124
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
|
Amount:
| $1,000.00 |
Prosper Rating:
| HR |
Auction Duration:
| 7 days
|
|
Term:
| 36 months |
Estimated loss:
| 36.6% | | |
| | | |
|
|
Starting lender yield:
| 34.00% |
Starting borrower rate/APR:
| 35.00% / 41.35% |
Starting monthly payment:
| $45.24 |
| |
|
Auction yield range:
| 16.79% - 34.00% |
Estimated loss impact:
| 38.61% | | |
|
Lender servicing fee:
| 1.00% |
Estimated return:
| -4.61% | | |
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
|
Prosper score (1-10):
| 1 |
First credit line:
| Jan-1994 |
Debt/Income ratio:
| Self-employed (DTI Not Calculated) |
|
Credit score:
| 600-619 (Sep-2010) |
Inquiries last 6m:
| 3 | Employment status: | Self-employed |
|
Now delinquent:
| 0 |
Current / open credit lines:
| 17
/
16 | Length of status: | 3y 8m |
|
Amount delinquent:
| $0 |
Total credit lines:
| 27 |
Occupation: | Food Service |
|
Public records last 12m / 10y:
| 0/ 1 |
Revolving credit balance:
| $56,956 | Stated income: | $50,000-$74,999 |
|
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 90% | | |
| | |
Homeownership:
| No | | |
|
Screen name:
| KingofCakes |
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:
| 1 ( 100% )
| 600-619 (Latest)
|
|
Principal borrowed:
| $2,000.00 | < 31 days late:
| 0
( 0% )
| 620-639
(Sep-2008)
620-639
(Aug-2008)
580-599
(Jul-2008)
600-619
(Apr-2008)
|
|
Principal balance:
| $0.02 |
31+ days late:
| 0
( 0% )
|
|
Total payments billed:
| 1 | | |
Description
Last effort to prove myself
Purpose of loan:
This loan will be used to get rid of a credit card where they raised my interest rate to a absurd amount with no reason.? I have paid on time for over 7 years now.
I am trying to the minimum amount.? I would like to get this loan funded and prove that I am making efforts to clear up my debt.? Hopefully to continue using prosper in the future to clear my debt.
My financial situation:
I am a good candidate for this loan because? I pay on time every time if you look at my payment history.? This is a long process of cleaning up the mess I created when younger.?? I have not had a late payment in 7 years.?
How loan will be distributed:
HSBC:? 950
I am willing to pay a slightly higer interst rate to get rid of this debt and increase my score and not give the interest to these money hungry banks.? It will more than pay for itself in the long run.? I plan on making additional payments and having it paid off by 2-2.5 years.
thanks for your time and consideration
Monthly net income: $ 3700
Monthly expenses: $
??Housing: $?695??Insurance: $ 100
??Car expenses: $ company paid
??Utilities: $ 30
??Phone, cable, internet: $?120
??Food, entertainment: $?400
??Clothing, household expenses $ 100
??Credit cards and other loans: $ 1700(with this loan, this payment decreased by $$100).
??Other expenses: $
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
477126
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
|
Amount:
| $2,100.00 |
Prosper Rating:
| HR |
Auction Duration:
| 7 days
|
|
Term:
| 36 months |
Estimated loss:
| 36.6% | | |
| | | |
|
|
Starting lender yield:
| 34.00% |
Starting borrower rate/APR:
| 35.00% / 38.72% |
Starting monthly payment:
| $95.00 |
| |
|
Auction yield range:
| 16.79% - 34.00% |
Estimated loss impact:
| 38.61% | | |
|
Lender servicing fee:
| 1.00% |
Estimated return:
| -4.61% | | |
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
|
Prosper score (1-10):
| 1 |
First credit line:
| Aug-1996 |
Debt/Income ratio:
| 4% |
|
Credit score:
| 700-719 (Sep-2010) |
Inquiries last 6m:
| 4 | Employment status: | Employed |
|
Now delinquent:
| 4 |
Current / open credit lines:
| 4
/
3 | Length of status: | 0y 8m |
|
Amount delinquent:
| $2,724 |
Total credit lines:
| 41 |
Occupation: | Attorney |
|
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $2,807 | Stated income: | $75,000-$99,999 |
|
Delinquencies in last 7y:
| 28 |
Bankcard utilization:
| 0% | | |
| | |
Homeownership:
| Yes | | |
|
Screen name:
| first-class-openness6 |
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
Debt/ Final Wedding Ring Payment
Purpose of loan:
I will be using this loan to consolidate some debt and rehabilitate my credit score. I have been saving up money to propose to my girlfriend and this loan will allow me to consolidate some debt and make the full payment on the ring.
My Financial Situation:
My current financial situation is good and stable right now.? I currently make $96,000 as the senior advisor to the Governor of a major state.? I am a licensed attorney?and have worked in government for roughly a decade. I've been very lucky to have a job that I enjoy, pays well, and offers stability.? I am a homeowner, my FICO?score is decent,?and I have built a significant cushion into my budget.
Reason for a Prosper Loan:
I'm hoping to get a loan funded on Prosper because of a number of missed payments due to hardship have hurt my ability to get a loan.? My father recently went through some financial difficultly that I attempted to help him get through. It was a very difficult period for both of us which caused some delinquencies. He owns a small business that he started out of his garage that was hit hard by the recession.? He is recovering slowly, but he no longer needs any assistance from me.?
The delinquencies on my account were?because I was paying the mortgage on my father's house at the expense of my bills.? In addition to my salary, my father has begun paying me back. My father immigrated to the United States with $50 and suitcase and has taught me the value of a dollar and more importantly, the value of hard work. My credit score and reputation are very important to me and the ability to consolidate my debt will make a big difference in my life. It will allow me to propose to my beautiful girlfriend and really start a new chapter in my life.
Thank you for your consideration and trust.
Reason for Re-listing:
My last attempt was 97% funded and short by $50 even though it didn't get an offer until 2 days left.? I've had to re-list due to Propser not receiving my address verification on time.? This time everything is verified and ready to go.
Monthly Income:
$ 5200
Monthly expenses: $ 3600
Housing: $ 1500??????????
Insurance: $?100??
Car expenses: $0???
Utilities: $ 150??
Phone, cable, internet: $150???
Food, entertainment: $ 400??
Clothing, household expenses $200
Credit cards and other loans: $300???
Other expenses: $ 800 (including some savings for a wedding ring)
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
477134
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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:
| 36.6% | | |
| | | |
|
|
Starting lender yield:
| 34.00% |
Starting borrower rate/APR:
| 35.00% / 38.72% |
Starting monthly payment:
| $180.94 |
| |
|
Auction yield range:
| 16.79% - 34.00% |
Estimated loss impact:
| 38.61% | | |
|
Lender servicing fee:
| 1.00% |
Estimated return:
| -4.61% | | |
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
|
Prosper score (1-10):
| 1 |
First credit line:
| Mar-2007 |
Debt/Income ratio:
| 57% |
|
Credit score:
| 640-659 (Sep-2010) |
Inquiries last 6m:
| 0 | Employment status: | Employed |
|
Now delinquent:
| 0 |
Current / open credit lines:
| 1
/
1 | Length of status: | 8y 9m |
|
Amount delinquent:
| $0 |
Total credit lines:
| 4 |
Occupation: | Other |
|
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $0 | Stated income: | $1-$24,999 |
|
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 0% | | |
| | |
Homeownership:
| No | | |
|
Screen name:
| finance-encore2 |
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
Trademark & Patent
Purpose of loan:
This loan will be used to get? a Trademark & Utility Patent for my invention which?is ?going? to the next processing step. A Trademark & Patent will protect?my investment & likely?add percentage to the royality rate. Cooking?has always been a passion of mine. Thats how?this idea evolve. Its a energy efficient cookware now?patent pending. As a inventor, I had?a prototype made?and sell sheet??and research?the?market for opportunity which lead to Lifetimebrands.com.There product scout liked the idea and now is reviewing it. I need ?compenstion for a full patent toward a licensing deal with major corporation.The patent firm Im using is Thoughtstopaper.com I had all my work done with them.
My financial situation:
I am a good candidate for this loan because? I work full time.I had this job as a military boot inspector for 8 years.The company i work for Mc Rae Footwear? has been providing military boots for the US Arm Forces since the Iraq War.Im never late for a payment.I pay my bills in?time.This loan amount is minimum i can handle it.
Monthly net income: $1200.00
Monthly expenses: $
??Housing: $
??Insurance: $?114.00
??Car expenses: $266.00
??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
477136
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
|
Amount:
| $4,800.00 |
Prosper Rating:
| D |
Auction Duration:
| 7 days
|
|
Term:
| 36 months |
Estimated loss:
| 9.8% | | |
| | | |
|
|
Starting lender yield:
| 20.00% |
Starting borrower rate/APR:
| 21.00% / 24.41% |
Starting monthly payment:
| $180.84 |
| |
|
Auction yield range:
| 10.79% - 20.00% |
Estimated loss impact:
| 10.28% | | |
|
Lender servicing fee:
| 1.00% |
Estimated return:
| 9.72% | | |
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
|
Prosper score (1-10):
| 8 |
First credit line:
| Sep-1995 |
Debt/Income ratio:
| 10% |
|
Credit score:
| 660-679 (Sep-2010) |
Inquiries last 6m:
| 2 | Employment status: | Employed |
|
Now delinquent:
| 1 |
Current / open credit lines:
| 13
/
12 | Length of status: | 4y 1m |
|
Amount delinquent:
| $0 |
Total credit lines:
| 19 |
Occupation: | Professional |
|
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $116,985 | Stated income: | $75,000-$99,999 |
|
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 88% | | |
| | |
Homeownership:
| Yes | | |
|
Screen name:
| magnificent-trade2 |
Borrower's state:
| Illinois |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
| Loan history | Payment history | Credit score history |
|
Active / total loans:
| 1 / 1 |
On-time:
| 9 ( 100% )
| 660-679 (Latest)
|
|
Principal borrowed:
| $1,950.00 | < 31 days late:
| 0
( 0% )
| 640-659
(Nov-2009)
|
|
Principal balance:
| $1,581.97 |
31+ days late:
| 0
( 0% )
|
|
Total payments billed:
| 9 | | |
Description
Consolidate Propser & credit cards
Purpose of loan:
This loan will be used to payoff my prosper loan and payoff credit card debt on balances that increased significantly after balance transfer rates increased to 30%.
My financial situation:
I am a good candidate for this loan because I have stable employment as my bank was bought by another bank. The new bank not only retained my but gave me a raise. In addition I have paid my prosper loan in a timely manner and have improved my credit score by more than 20 points since my last proper loan.
If you have any question, please feel to ask.?
Thank you for your time
Monthly net income: $
4400
Monthly expenses: $
??Housing: $
1500
??Insurance: $ 30
??Car expenses: $
100
??Utilities: $
200
??Phone, cable, internet: $
200
??Food, entertainment: $ 500
??Clothing, household expenses $
100
??Credit cards and other loans: $ 400 includes $78 propser loan to be paid off
??Other expenses: $
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
477138
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
|
Amount:
| $2,800.00 |
Prosper Rating:
| A |
Auction Duration:
| 7 days
|
|
Term:
| 36 months |
Estimated loss:
| 3.5% | | |
| | | |
|
|
Starting lender yield:
| 9.88% |
Starting borrower rate/APR:
| 10.88% / 13.00% |
Starting monthly payment:
| $91.51 |
| |
|
Auction yield range:
| 3.79% - 9.88% |
Estimated loss impact:
| 3.53% | | |
|
Lender servicing fee:
| 1.00% |
Estimated return:
| 6.35% | | |
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
|
Prosper score (1-10):
| 9 |
First credit line:
| Dec-1996 |
Debt/Income ratio:
| 4% |
|
Credit score:
| 720-739 (Sep-2010) |
Inquiries last 6m:
| 1 | Employment status: | Employed |
|
Now delinquent:
| 0 |
Current / open credit lines:
| 4
/
3 | Length of status: | 1y 8m |
|
Amount delinquent:
| $0 |
Total credit lines:
| 9 |
Occupation: | Professional |
|
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $2,368 | Stated income: | $50,000-$74,999 |
|
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 22% | | |
| | |
Homeownership:
| No | | |
|
Screen name:
| payout-sniffer |
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
Kicking Credit Cards to the Curb
Hi,
My name is Bill and I am a paralegal going to law school at night. Over last few semesters I have bought my books with credit cards along with a few other items/bills. I am hoping to find a lower rate than the one I have on my cards right now so that I can make it easier on myself to get out of debt. I have a Fidelity Visa with a 13.99% APR that I owe $1,012.33 on.? I also have an AMEX with a $13.33% APR that I owe $1,783.72 on.? I chose my rate as 10.88% as it makes my APR 13.00%
I have a steady job in the profession I am currently in school for and I am just hoping to work hard until I can use my advanced degree to get a better job. I promise you my monthly payments will not be a burden to me and it will be a pleasure to pay you back instead of the credit card companies that have been buying my books for me. If you check my debt to income ratio, you can see that this credit card debt is the only debt to my name thanks to very generous parents who paid for my college education.
Thank you for your time and I hope you will help me out!
Bill
Income:
My income varies month to month depending on how much overtime I work.? As a base, I make $20/hr for a 40 hour work week.? I also make time and a half after that.? I usually work 5-10 hours more.? If I don't work overtime, which almost never happens, I make $626.23 a week.
Expenses (a month):
Rent: $900 (includes water and heat)
Electricity: about $80
Transportation: $0? I live close enough to school and work that I can walk
Pharmacy: $30
Cell: $104
My roommate pays for cable.
My food and entertainment expenses vary but since I work and go to school at night I don't have that much free time on my hands.
Again, thank you for your time and perhaps loan.
P.S.? I'm the tall one in the picture.? The shorter guy is my younger brother.
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
477142
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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:
| 10.8% | | |
| | | |
|
|
Starting lender yield:
| 10.79% |
Starting borrower rate/APR:
| 11.79% / 15.02% |
Starting monthly payment:
| $496.71 |
| |
|
Auction yield range:
| 10.79% - 10.79% |
Estimated loss impact:
| 11.02% | | |
|
Lender servicing fee:
| 1.00% |
Estimated return:
| -0.23% | | |
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
|
Prosper score (1-10):
| 5 |
First credit line:
| May-1983 |
Debt/Income ratio:
| 12% |
|
Credit score:
| 760-779 (Sep-2010) |
Inquiries last 6m:
| 4 | Employment status: | Employed |
|
Now delinquent:
| 0 |
Current / open credit lines:
| 7
/
7 | Length of status: | 3y 10m |
|
Amount delinquent:
| $0 |
Total credit lines:
| 30 |
Occupation: | Nurse (RN) |
|
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $12,730 | Stated income: | $100,000+ |
|
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 90% | | |
| | |
Homeownership:
| Yes | | |
|
Screen name:
| stable-funds138 |
Borrower's state:
| California |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Description
Paying off my credit card debt
Purpose of loan: This loan will be used to pay down my credit card debt
My financial situation: I am a good candidate for this loan because I am employed in a secure job I love, I'm healthy, happy, independent, and secure.
Monthly net income: $ 4,500.00
Monthly expenses: $ 5,130
Housing: $ 1960
Insurance: $ 70 (Life $500,000)
Car expenses: $ 300
Utilities: $ 275
Phone, cable, internet: $ 225
Food, entertainment: $ 775
Clothing, household expenses $ 250
Credit cards and other loans: $ 900
Other expenses: $ 600 educational assistance to children
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
477146
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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:
| 10.8% | | |
| | | |
|
|
Starting lender yield:
| 10.79% |
Starting borrower rate/APR:
| 11.79% / 15.02% |
Starting monthly payment:
| $496.71 |
| |
|
Auction yield range:
| 10.79% - 10.79% |
Estimated loss impact:
| 11.02% | | |
|
Lender servicing fee:
| 1.00% |
Estimated return:
| -0.23% | | |
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
|
Prosper score (1-10):
| 6 |
First credit line:
| Feb-2003 |
Debt/Income ratio:
| 30% |
|
Credit score:
| 720-739 (Sep-2010) |
Inquiries last 6m:
| 0 | Employment status: | Employed |
|
Now delinquent:
| 0 |
Current / open credit lines:
| 15
/
12 | Length of status: | 3y 11m |
|
Amount delinquent:
| $0 |
Total credit lines:
| 20 |
Occupation: | Professional |
|
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $7,324 | Stated income: | $25,000-$49,999 |
|
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 50% | | |
| | |
Homeownership:
| No | | |
|
Screen name:
| coin-conductor6 |
Borrower's state:
| California |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Description
TO PAY OFF HIGH A.P.R. C.CARRD
Purpose of loan:
This loan will be used to? TO PAY ALL DEBTS
My financial situation:
I am a good candidate for this loan because?
I HAVE NO UNPAEYED DEBT OR COLLECTIONS OR LATE PAYMENT IN 15 YEARS
Monthly net income: $ 3500 BT
Monthly expenses: $
??Housing: $ 900 RENT
??Insurance: $ 400 KAISER
??Car expenses: $100 GAS????
??Utilities: $?50 PGNE
??Phone, cable, internet: $ 100 CELL,COMCAST
??Food, entertainment: $ 300 GROSERIES
??Clothing, household expenses $ 0 NONE NEED IT
??Credit cards and other loans: $ 18000 C.CARDS
??Other expenses: $150 CLUBING.EAT OUT ,
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
477148
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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:
| 14.2% | | |
| | | |
|
|
Starting lender yield:
| 34.00% |
Starting borrower rate/APR:
| 35.00% / 38.72% |
Starting monthly payment:
| $180.94 |
| |
|
Auction yield range:
| 13.79% - 34.00% |
Estimated loss impact:
| 15.77% | | |
|
Lender servicing fee:
| 1.00% |
Estimated return:
| 18.23% | | |
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
|
Prosper score (1-10):
| 5 |
First credit line:
| Aug-1998 |
Debt/Income ratio:
| Not calculated |
|
Credit score:
| 660-679 (Sep-2010) |
Inquiries last 6m:
| 2 | Employment status: | Other |
|
Now delinquent:
| 0 |
Current / open credit lines:
| 4
/
3 | Length of status: | 8y 0m |
|
Amount delinquent:
| $0 |
Total credit lines:
| 10 | Stated income: | $75,000-$99,999 |
|
Public records last 12m / 10y:
| 0/ 1 |
Revolving credit balance:
| $182 | |
|
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 6% | | |
| | |
Homeownership:
| No | | |
|
Screen name:
| affluence-taco |
Borrower's state:
| California |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Description
Loan to pay a couple month's rent
Hello;
I'm looking for a temporary respite... no sob story here; I just don't want to move from the apartment that has been my home for 18 years. My landlord loves me... I always pay my rent early.
I've been on furlough this past year, so need a loan to provide a temporary comfort zone.
I will return to work on 1 Jan 11, and I earn $86000 a year, working in a city government position. Payments for this loan will come directly from my city employee's credit union, an account I have maintained for seven years.
Also, please note that I have been diligent with credit, and I maintain a high credit score -- I don't know how they gage it here at Prosper, but Experian put it at 741 on 3 August 2010 (I do not know if that was Vantage or Fair Issac).
I maintain only one credit card for emergencies.
Thank you so much for your kind attention.
Monthly net income: $ 86000 when I return to work
Monthly expenses: $
??Housing: $ 1500
??Insurance: $ 150
??Car expenses: $750
??Utilities: $ 100
??Phone, cable, internet: $75
??Food, entertainment: $300
??Clothing, household expenses $50
??Credit cards and other loans: $ None
??Other expenses: $ None
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
477150
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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:
| 9.8% | | |
| | | |
|
|
Starting lender yield:
| 24.75% |
Starting borrower rate/APR:
| 25.75% / 29.26% |
Starting monthly payment:
| $602.36 |
| |
|
Auction yield range:
| 10.79% - 24.75% |
Estimated loss impact:
| 10.41% | | |
|
Lender servicing fee:
| 1.00% |
Estimated return:
| 14.34% | | |
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
|
Prosper score (1-10):
| 6 |
First credit line:
| Oct-1993 |
Debt/Income ratio:
| 21% |
|
Credit score:
| 700-719 (Sep-2010) |
Inquiries last 6m:
| 1 | Employment status: | Employed |
|
Now delinquent:
| 0 |
Current / open credit lines:
| 16
/
13 | Length of status: | 4y 11m |
|
Amount delinquent:
| $0 |
Total credit lines:
| 38 |
Occupation: | Other |
|
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $16,958 | Stated income: | $100,000+ |
|
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 72% | | |
| | |
Homeownership:
| Yes | | |
|
Screen name:
| heroic-truth1 |
Borrower's state:
| WestVirginia |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
| Loan history | Payment history | Credit score history |
|
Active / total loans:
| 1 / 1 |
On-time:
| 9 ( 100% )
| 700-719 (Latest)
|
|
Principal borrowed:
| $8,000.00 | < 31 days late:
| 0
( 0% )
| 700-719
(Dec-2009)
|
|
Principal balance:
| $6,246.80 |
31+ days late:
| 0
( 0% )
|
|
Total payments billed:
| 9 | | |
Description
Basement Finishing
Purpose of loan:
This loan will be used to? Finish my basement.? Framing, drywall, new bathroom fixtures,?paint, & carpet to increase overall value of my home.
My financial situation:
I am a good candidate for this loan because?I make enough money to pay the bill, I have no late payments or?other delinquencies on my credit in the past 10 years,?& I really value this way of lending in lieu of giving my money to big banks. ?In addition I just finished paying off my 2005 Silverado ($550 a month) so I have plenty of room to add this payment.
Monthly net income: $ 6500
Monthly expenses: $
??Housing: $ 1700
??Insurance: $200
??Car expenses: $ 200
??Utilities: $ 100
??Phone, cable, internet: $ 100
??Food, entertainment: $ 200
??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
477154
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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:
| 24.0% | | |
| | | |
|
|
Starting lender yield:
| 34.00% |
Starting borrower rate/APR:
| 35.00% / 38.72% |
Starting monthly payment:
| $339.27 |
| |
|
Auction yield range:
| 16.79% - 34.00% |
Estimated loss impact:
| 26.01% | | |
|
Lender servicing fee:
| 1.00% |
Estimated return:
| 7.99% | | |
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 score (1-10):
| 2 |
First credit line:
| Feb-2001 |
Debt/Income ratio:
| 8% |
|
Credit score:
| 680-699 (Sep-2010) |
Inquiries last 6m:
| 3 | Employment status: | Employed |
|
Now delinquent:
| 1 |
Current / open credit lines:
| 3
/
3 | Length of status: | 7y 7m |
|
Amount delinquent:
| $0 |
Total credit lines:
| 20 |
Occupation: | Biologist |
|
Public records last 12m / 10y:
| 0/ 1 |
Revolving credit balance:
| $359 | Stated income: | $50,000-$74,999 |
|
Delinquencies in last 7y:
| 28 |
Bankcard utilization:
| 0% | | |
| | |
Homeownership:
| Yes | | |
|
Screen name:
| Phenix-always |
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
short term loan
Purpose of loan:
This loan will be used to fix my basement
My financial situation:
Got promotion? - extra $2000 every month. Need money to fix basement.
Improved my credit score by 75 points just last month.
Will repay by spring next year or before (depens on the bonus amount at the end of the year). Thank you everyone for your help.
Feel free to ask any questions.
Monthly net income: $4150
Monthly expenses: $2010
??Housing: $1150
??Insurance: $35
??Car expenses: $75
??Utilities: $50
??Phone, cable, internet: $65?
??Food, entertainment: $350
??Clothing, household expenses $175
??Credit cards and other loans: $0
??Other expenses: $100
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
477156
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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:
| 36.6% | | |
| | | |
|
|
Starting lender yield:
| 34.00% |
Starting borrower rate/APR:
| 35.00% / 38.72% |
Starting monthly payment:
| $90.47 |
| |
|
Auction yield range:
| 16.79% - 34.00% |
Estimated loss impact:
| 38.61% | | |
|
Lender servicing fee:
| 1.00% |
Estimated return:
| -4.61% | | |
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
|
Prosper score (1-10):
| 1 |
First credit line:
| Nov-1994 |
Debt/Income ratio:
| 24% |
|
Credit score:
| 800-819 (Sep-2010) |
Inquiries last 6m:
| 8 | Employment status: | Employed |
|
Now delinquent:
| 0 |
Current / open credit lines:
| 15
/
11 | Length of status: | 15y 3m |
|
Amount delinquent:
| $0 |
Total credit lines:
| 31 |
Occupation: | Police Officer/Corr... |
|
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $12,293 | Stated income: | $50,000-$74,999 |
|
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 86% | | |
| | |
Homeownership:
| Yes | | |
|
Screen name:
| lawgirl62 |
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
Please Help Me!!!
Purpose of loan:
This loan will be used to?help with the negative equity i?have?with my Ford Expedition?i no longer need it (due?to a divorce) and will like to trade it in for a Ford Focus better gas mileage and lower payments?
My financial situation:
I am a good candidate for this loan because I have been on my job for 15 years.? I am?a deputy SHeriff and i am currently going through a divorce and tring to minimize my monthly bills trading in this Expedition for the focus will help me save 400.00 a month.?
Monthly net income: $ 4000.00
Monthly expenses: $
??Housing: $ 795????
??Insurance: $ 100.00????
??Car expenses: $ 800.00????
??Utilities: $ 150.00
??Phone, cable, internet: $ 150.00????
??Food, entertainment: $ 50.00????
??Clothing, household expenses $
??Credit cards and other loans: $ 400.00????
??Other expenses: $
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
477158
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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:
| 18.3% | | |
| | | |
|
|
Starting lender yield:
| 17.00% |
Starting borrower rate/APR:
| 18.00% / 21.35% |
Starting monthly payment:
| $271.14 |
| |
|
Auction yield range:
| 16.79% - 17.00% |
Estimated loss impact:
| 19.24% | | |
|
Lender servicing fee:
| 1.00% |
Estimated return:
| -2.24% | | |
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
|
Prosper score (1-10):
| 4 |
First credit line:
| Sep-2003 |
Debt/Income ratio:
| Not calculated |
|
Credit score:
| 720-739 (Sep-2010) |
Inquiries last 6m:
| 1 | Employment status: | Employed |
|
Now delinquent:
| 0 |
Current / open credit lines:
| 5
/
5 | Length of status: | 0y 5m |
|
Amount delinquent:
| $0 |
Total credit lines:
| 6 |
Occupation: | Tradesman - Mechani... |
|
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $8,894 | Stated income: | $1-$24,999 |
|
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 64% | | |
| | |
Homeownership:
| Yes | | |
|
Screen name:
| elegant-commitment4 |
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
Paying off my credit card
Purpose of loan:
This loan will be used to?consolidate my debt which is mostly on one credit card?which has killed me because of cash advances five years ago.
My financial situation:
I am a good candidate for this loan because?I have the ability to make the payments and get rid of my debt. I can afford 250-300 dollar payments a month towards the loan.?
Monthly net income: $ 2000
Monthly expenses: $
??Housing: $ 450
??Insurance: $ 69
??Car expenses: $ 200
??Utilities: $?40
??Phone, cable, internet: $?0
??Food, entertainment: $ 200
??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
477172
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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:
| 10.8% | | |
| | | |
|
|
Starting lender yield:
| 26.50% |
Starting borrower rate/APR:
| 27.50% / 31.05% |
Starting monthly payment:
| $123.28 |
| |
|
Auction yield range:
| 10.79% - 26.50% |
Estimated loss impact:
| 11.46% | | |
|
Lender servicing fee:
| 1.00% |
Estimated return:
| 15.04% | | |
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
|
Prosper score (1-10):
| 6 |
First credit line:
| Feb-1998 |
Debt/Income ratio:
| 28% |
|
Credit score:
| 720-739 (Sep-2010) |
Inquiries last 6m:
| 0 | Employment status: | Employed |
|
Now delinquent:
| 1 |
Current / open credit lines:
| 11
/
6 | Length of status: | 4y 11m |
|
Amount delinquent:
| $804 |
Total credit lines:
| 27 |
Occupation: | Police Officer/Corr... |
|
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $1,858 | Stated income: | $25,000-$49,999 |
|
Delinquencies in last 7y:
| 7 |
Bankcard utilization:
| 24% | | |
| | |
Homeownership:
| No | | |
|
Screen name:
| first-favorable-affluence |
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
My loan for debt consolidation
Purpose of loan:
This loan will be used to pay off debt accumulated from my divorce
My financial situation:
I am a good candidate for this loan because I have a secure job with a guaranteed monthly income.
Monthly net income: $
2500
Monthly expenses: $
??Housing: $
800
??Insurance: $
??Car expenses: $
372
??Utilities: $
150
??Phone, cable, internet: $
240
??Food, entertainment: $
200
??Clothing, household expenses $
100
??Credit cards and other loans: $ 294
??Other expenses: $
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
477178
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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:
| 18.3% | | |
| | | |
|
|
Starting lender yield:
| 16.90% |
Starting borrower rate/APR:
| 17.90% / 21.25% |
Starting monthly payment:
| $270.77 |
| |
|
Auction yield range:
| 16.79% - 16.90% |
Estimated loss impact:
| 19.23% | | |
|
Lender servicing fee:
| 1.00% |
Estimated return:
| -2.33% | | |
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
|
Prosper score (1-10):
| 5 |
First credit line:
| May-1992 |
Debt/Income ratio:
| 17% |
|
Credit score:
| 640-659 (Sep-2010) |
Inquiries last 6m:
| 2 | Employment status: | Employed |
|
Now delinquent:
| 1 |
Current / open credit lines:
| 8
/
8 | Length of status: | 5y 5m |
|
Amount delinquent:
| $2,564 |
Total credit lines:
| 18 |
Occupation: | Professional |
|
Public records last 12m / 10y:
| 0/ 1 |
Revolving credit balance:
| $1,777 | Stated income: | $50,000-$74,999 |
|
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 60% | | |
| | |
Homeownership:
| No | | |
|
Screen name:
| stevieray573 |
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
Debt Reduction @ a lower rate
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
477194
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
|
Amount:
| $7,600.00 |
Prosper Rating:
| D |
Auction Duration:
| 7 days
|
|
Term:
| 36 months |
Estimated loss:
| 10.8% | | |
| | | |
|
|
Starting lender yield:
| 23.50% |
Starting borrower rate/APR:
| 24.50% / 27.99% |
Starting monthly payment:
| $300.17 |
| |
|
Auction yield range:
| 10.79% - 23.50% |
Estimated loss impact:
| 11.38% | | |
|
Lender servicing fee:
| 1.00% |
Estimated return:
| 12.12% | | |
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
|
Prosper score (1-10):
| 6 |
First credit line:
| Nov-1997 |
Debt/Income ratio:
| Not calculated |
|
Credit score:
| 760-779 (Sep-2010) |
Inquiries last 6m:
| 0 | Employment status: | Other |
|
Now delinquent:
| 0 |
Current / open credit lines:
| 8
/
8 | Length of status: | 4y 0m |
|
Amount delinquent:
| $0 |
Total credit lines:
| 11 |
Occupation: | Other |
|
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $6,625 | Stated income: | $1-$24,999 |
|
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 48% | | |
| | |
Homeownership:
| Yes | | |
|
Screen name:
| durable-bill9 |
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
Eliminate Debt to Simplify Life!
Purpose of loan:
This loan will be used to consolidate credit cards.
My financial situation:
I am a good candidate for this loan because I have excellent credit and 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
477218
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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:
| 36.6% | | |
| | | |
|
|
Starting lender yield:
| 34.00% |
Starting borrower rate/APR:
| 35.00% / 38.72% |
Starting monthly payment:
| $316.65 |
| |
|
Auction yield range:
| 16.79% - 34.00% |
Estimated loss impact:
| 38.61% | | |
|
Lender servicing fee:
| 1.00% |
Estimated return:
| -4.61% | | |
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
|
Prosper score (1-10):
| 1 |
First credit line:
| May-1985 |
Debt/Income ratio:
| Self-employed (DTI Not Calculated) |
|
Credit score:
| 660-679 (Sep-2010) |
Inquiries last 6m:
| 5 | Employment status: | Self-employed |
|
Now delinquent:
| 0 |
Current / open credit lines:
| 6
/
5 | Length of status: | 2y 3m |
|
Amount delinquent:
| $0 |
Total credit lines:
| 35 |
Occupation: | Truck Driver |
|
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $2,996 | Stated income: | $100,000+ |
|
Delinquencies in last 7y:
| 32 |
Bankcard utilization:
| 91% | | |
| | |
Homeownership:
| Yes | | |
|
Screen name:
| kind-just-payout |
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
APU Loan
Purpose of loan:
This loan will be used to? Fund the purchase of an Auxiliary Power Unit for a Semi-Tractor.
My financial situation:
I am a good candidate for this loan because? I can successfully repay this loan. The delinquencies in my credit report are prior to my divorce in 2008. Since then my payment history has been exceptional. I have been in this industry for 25 years, and currently my equipment is leased to a stable, profitable company.
Monthly net income: $ 5500
Monthly expenses: $
??Housing: $ 1050.00
??Insurance: $ 75.00
??Car expenses: $ 265.00
??Utilities: $
125.00
??Phone, cable, internet: $
165.00
??Food, entertainment: $
225.00
??Clothing, household expenses $
95.00
??Credit cards and other loans: $
115.00
??Other expenses: $
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
477220
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
|
Amount:
| $15,000.00 |
Prosper Rating:
| A |
Auction Duration:
| 7 days
|
|
Term:
| 36 months |
Estimated loss:
| 3.5% | | |
| | | |
|
|
Starting lender yield:
| 3.79% |
Starting borrower rate/APR:
| 4.79% / 6.83% |
Starting monthly payment:
| $448.15 |
| |
|
Auction yield range:
| 3.79% - 3.79% |
Estimated loss impact:
| 3.49% | | |
|
Lender servicing fee:
| 1.00% |
Estimated return:
| 0.30% | | |
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
|
Prosper score (1-10):
| 9 |
First credit line:
| Jul-2004 |
Debt/Income ratio:
| 16% |
|
Credit score:
| 720-739 (Sep-2010) |
Inquiries last 6m:
| 1 | Employment status: | Employed |
|
Now delinquent:
| 0 |
Current / open credit lines:
| 7
/
5 | Length of status: | 4y 8m |
|
Amount delinquent:
| $0 |
Total credit lines:
| 20 |
Occupation: | Construction |
|
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $8,214 | Stated income: | $50,000-$74,999 |
|
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 26% | | |
| | |
Homeownership:
| No | | |
|
Screen name:
| worldly-greenback0 |
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
New Auto Loan
Purpose of loan:
This loan will be used to make home improvement ?
My financial situation:
I am a good candidate for this loan because I have a good paying job and good credit history. My credit history clearly reflects that? I have repaid every loan with first priority
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
477224
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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:
| 10.8% | | |
| | | |
|
|
Starting lender yield:
| 26.50% |
Starting borrower rate/APR:
| 27.50% / 31.05% |
Starting monthly payment:
| $246.56 |
| |
|
Auction yield range:
| 10.79% - 26.50% |
Estimated loss impact:
| 11.46% | | |
|
Lender servicing fee:
| 1.00% |
Estimated return:
| 15.04% | | |
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
|
Prosper score (1-10):
| 6 |
First credit line:
| Jun-1992 |
Debt/Income ratio:
| Not calculated |
|
Credit score:
| 700-719 (Sep-2010) |
Inquiries last 6m:
| 1 | Employment status: | Employed |
|
Now delinquent:
| 0 |
Current / open credit lines:
| 4
/
3 | Length of status: | 3y 5m |
|
Amount delinquent:
| $0 |
Total credit lines:
| 6 |
Occupation: | Sales - Retail |
|
Public records last 12m / 10y:
| 0/ 1 |
Revolving credit balance:
| $2,276 | Stated income: | $1-$24,999 |
|
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 60% | | |
| | |
Homeownership:
| No | | |
|
Screen name:
| rebusiness |
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
business start up, credit payoff
Purpose of loan:
This loan will be used to pay off credit card? debt and obtain real estate license to renew business of leasing agent which has provided $4000-$6000 per month income previously, as I am very good with tenants and owners of properties.
My financial situation:
I am a good candidate for this loan because my debt level is low and my income potential is excellent as I have experience and background in real estate field and have had the problem of credit lenders not issueing any loans to customers a product of the economy.
Monthly net income: $ Currently?approximately $900?due to working part time as income has been decreased due to?closure of business.?
Monthly expenses: $
??Housing: $ 400
??Insurance: $ 100
??Car expenses: $ 100
??Utilities: $
??Phone, cable, internet: $
??Food, entertainment: $ 100
??Clothing, household expenses $
??Credit cards and other loans: $ 60
??Other expenses: $
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
477226
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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:
| 10.8% | | |
| | | |
|
|
Starting lender yield:
| 26.50% |
Starting borrower rate/APR:
| 27.50% / 31.05% |
Starting monthly payment:
| $616.41 |
| |
|
Auction yield range:
| 10.79% - 26.50% |
Estimated loss impact:
| 11.46% | | |
|
Lender servicing fee:
| 1.00% |
Estimated return:
| 15.04% | | |
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
|
Prosper score (1-10):
| 8 |
First credit line:
| Jul-2004 |
Debt/Income ratio:
| Self-employed (DTI Not Calculated) |
|
Credit score:
| 700-719 (Sep-2010) |
Inquiries last 6m:
| 0 | Employment status: | Self-employed |
|
Now delinquent:
| 0 |
Current / open credit lines:
| 9
/
9 | Length of status: | 5y 4m |
|
Amount delinquent:
| $0 |
Total credit lines:
| 10 |
Occupation: | Professional |
|
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $18,985 | Stated income: | $25,000-$49,999 |
|
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 47% | | |
| | |
Homeownership:
| No | | |
|
Screen name:
| responsible-fund691 |
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 Card Debt
Purpose of loan:
This loan will be used to pay off credit card debt. I used credit cards as capital to start my own business. In retrospect I would of done things differently, but for now I would prefer that the high amount of interest paid on this debt go to private investors.
My financial situation:
I am a good candidate for this loan because my business is successful and continues to get better. I am a hard worker and and very dedicated to my work. I have been running my business for the past 5 years, and the future is looking great.
Monthly net income: $
4,000
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
477230
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
|
Amount:
| $7,500.00 |
Prosper Rating:
| C |
Auction Duration:
| 7 days
|
|
Term:
| 36 months |
Estimated loss:
| 8.7% | | |
| | | |
|
|
Starting lender yield:
| 22.65% |
Starting borrower rate/APR:
| 23.65% / 27.12% |
Starting monthly payment:
| $292.87 |
| |
|
Auction yield range:
| 7.79% - 22.65% |
Estimated loss impact:
| 9.24% | | |
|
Lender servicing fee:
| 1.00% |
Estimated return:
| 13.41% | | |
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
|
Prosper score (1-10):
| 6 |
First credit line:
| Oct-1978 |
Debt/Income ratio:
| Not calculated |
|
Credit score:
| 820-839 (Sep-2010) |
Inquiries last 6m:
| 4 | Employment status: | Employed |
|
Now delinquent:
| 0 |
Current / open credit lines:
| 8
/
7 | Length of status: | 9y 6m |
|
Amount delinquent:
| $0 |
Total credit lines:
| 28 |
Occupation: | Construction |
|
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $9,938 | Stated income: | $25,000-$49,999 |
|
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 13% | | |
| | |
Homeownership:
| No | | |
|
Screen name:
| active-dime |
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
Real Estate investing
Purpose of loan:
This loan will be used to? fund real estate investing in tax deeds
My financial situation:
I am a good candidate for this loan because? I have very good? credit history and have a good pay history with no late payments
Monthly net 3000.00
Monthly expenses: $ 1800.00
??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
477232
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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:
| 36.6% | | |
| | | |
|
|
Starting lender yield:
| 34.00% |
Starting borrower rate/APR:
| 35.00% / 38.72% |
Starting monthly payment:
| $339.27 |
| |
|
Auction yield range:
| 16.79% - 34.00% |
Estimated loss impact:
| 38.61% | | |
|
Lender servicing fee:
| 1.00% |
Estimated return:
| -4.61% | | |
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
|
Prosper score (1-10):
| 1 |
First credit line:
| Mar-1986 |
Debt/Income ratio:
| Self-employed (DTI Not Calculated) |
|
Credit score:
| 640-659 (Sep-2010) |
Inquiries last 6m:
| 4 | Employment status: | Self-employed |
|
Now delinquent:
| 1 |
Current / open credit lines:
| 6
/
6 | Length of status: | 9y 8m |
|
Amount delinquent:
| $496 |
Total credit lines:
| 27 |
Occupation: | Professional |
|
Public records last 12m / 10y:
| 0/ 1 |
Revolving credit balance:
| $0 | Stated income: | $100,000+ |
|
Delinquencies in last 7y:
| 22 |
Bankcard utilization:
| 0% | | |
| | |
Homeownership:
| No | | |
|
Screen name:
| subtle-exchange6 |
Borrower's state:
| California |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Description
Ad Agency needs equipment to grow
Purpose of loan:
This loan will be used to?buy a computer and printer for my business as I have just landed an new client that requires me to add staff.
My financial situation: Have good, long term clients (30% have been with me for over 5 years) but cash flow is slow. I just landed a large account that will bill over 200$ this coming year.
I am a good candidate for this loan because?I have very little debt and have been business for over 10 years. I just need to get ahead of the cash flow crunch.
I do own my own home by the way...I'm not sure why the credit report says otherwise, I'm sure that? information can be confirmed.
Monthly net income: $ $15,000-$20,000
Monthly expenses: $ approx $10,000
??Housing: $1,500
??Insurance: $600
??Car expenses: $550
??Utilities: $350
??Phone, cable, internet: $400
??Food, entertainment: $1,500
??Clothing, household expenses $200
??Credit cards and other loans: $none
??Other expenses: $ freelance staff - $5,000
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
477242
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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:
| 10.8% | | |
| | | |
|
|
Starting lender yield:
| 26.50% |
Starting borrower rate/APR:
| 27.50% / 31.05% |
Starting monthly payment:
| $82.19 |
| |
|
Auction yield range:
| 10.79% - 26.50% |
Estimated loss impact:
| 11.46% | | |
|
Lender servicing fee:
| 1.00% |
Estimated return:
| 15.04% | | |
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
|
Prosper score (1-10):
| 7 |
First credit line:
| Aug-1996 |
Debt/Income ratio:
| 5% |
|
Credit score:
| 660-679 (Sep-2010) |
Inquiries last 6m:
| 0 | Employment status: | Employed |
|
Now delinquent:
| 0 |
Current / open credit lines:
| 3
/
3 | Length of status: | 17y 9m |
|
Amount delinquent:
| $0 |
Total credit lines:
| 42 |
Occupation: | Tradesman - Mechani... |
|
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $715 | Stated income: | $75,000-$99,999 |
|
Delinquencies in last 7y:
| 14 |
Bankcard utilization:
| 71% | | |
| | |
Homeownership:
| Yes | | |
|
Screen name:
| receptive-worth8 |
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
Refinance existing loan
Purpose of loan:
This loan will be used to? Refinance an existing 401k loan.
My financial situation:
I am a good candidate for this loan because?
Loan will be repaid within two weeks.
Monthly net income: $ 5200
Monthly expenses: $
??Housing: $ 3400
??Insurance: $ 226
??Car expenses: $ 0
??Utilities: $ 180
??Phone, cable, internet: $ 60
??Food, entertainment: $ 300
??Clothing, household expenses $?
??Credit cards and other loans: $ 0
??Other expenses: $
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
477244
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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:
| 10.8% | | |
| | | |
|
|
Starting lender yield:
| 26.50% |
Starting borrower rate/APR:
| 27.50% / 31.05% |
Starting monthly payment:
| $102.73 |
| |
|
Auction yield range:
| 10.79% - 26.50% |
Estimated loss impact:
| 11.46% | | |
|
Lender servicing fee:
| 1.00% |
Estimated return:
| 15.04% | | |
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
|
Prosper score (1-10):
| 7 |
First credit line:
| Sep-1994 |
Debt/Income ratio:
| 5% |
|
Credit score:
| 660-679 (Sep-2010) |
Inquiries last 6m:
| 0 | Employment status: | Employed |
|
Now delinquent:
| 1 |
Current / open credit lines:
| 4
/
2 | Length of status: | 16y 10m |
|
Amount delinquent:
| $1,066 |
Total credit lines:
| 21 |
Occupation: | Analyst |
|
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $794 | Stated income: | $25,000-$49,999 |
|
Delinquencies in last 7y:
| 23 |
Bankcard utilization:
| 91% | | |
| | |
Homeownership:
| No | | |
|
Screen name:
| new-economy-cadence |
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
Replacing storm windows & doors
Purpose of loan:
This loan will be used to? Replace storm windows and doors
My financial situation:
I am a good candidate for this loan because? I have a solid work history and am trying to pay as i go to do my home improvements but with the changing of the seasons i need do fast forward and winterize before the cold weather arrives.? Will pay back loan in half the time frame.
Monthly net income: $ 2600
Monthly expenses: $
??Housing: $ 400
??Insurance: $ 200
??Car expenses: $ 200
??Utilities: $ 300
??Phone, cable, internet: $ 125
??Food, entertainment: $ 200
??Clothing, household expenses $ 125
??Credit cards and other loans: $ 300
??Other expenses: $ 250
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
477250
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
|
Amount:
| $6,500.00 |
Prosper Rating:
| HR |
Auction Duration:
| 7 days
|
|
Term:
| 36 months |
Estimated loss:
| 24.0% | | |
| | | |
|
|
Starting lender yield:
| 34.00% |
Starting borrower rate/APR:
| 35.00% / 38.72% |
Starting monthly payment:
| $294.03 |
| |
|
Auction yield range:
| 16.79% - 34.00% |
Estimated loss impact:
| 26.01% | | |
|
Lender servicing fee:
| 1.00% |
Estimated return:
| 7.99% | | |
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 score (1-10):
| 2 |
First credit line:
| Oct-1997 |
Debt/Income ratio:
| 24% |
|
Credit score:
| 700-719 (Sep-2010) |
Inquiries last 6m:
| 5 | Employment status: | Employed |
|
Now delinquent:
| 0 |
Current / open credit lines:
| 15
/
15 | Length of status: | 5y 1m |
|
Amount delinquent:
| $0 |
Total credit lines:
| 32 |
Occupation: | Food Service Manage... |
|
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $12,395 | Stated income: | $50,000-$74,999 |
|
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 79% | | |
| | |
Homeownership:
| Yes | | |
|
Screen name:
| STOCKBROKER1 |
Borrower's state:
| Missouri |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
| Loan history | Payment history | Credit score history |
|
Active / total loans:
| 1 / 1 |
On-time:
| 9 ( 100% )
| 700-719 (Latest)
|
|
Principal borrowed:
| $3,000.00 | < 31 days late:
| 0
( 0% )
| 700-719
(Dec-2009)
660-679
(Sep-2009)
680-699
(Aug-2009)
620-639
(May-2007)
|
|
Principal balance:
| $2,139.50 |
31+ days late:
| 0
( 0% )
|
|
Total payments billed:
| 9 | | |
Description
Invest & pay off first loan
Purpose of loan:
To invest and pay off the first loan for $2139.50 left on it .?I am a month ahead in payments. ?I will invest the rest in a mutral fund account its abut 2500 for each account.? I have the other amount?right now.? This will be a good investment for you.? My credit score been the simple to this day.? I work hard and 100% on time to pay you back,,
My financial situation: I am in good financial because I have not delinguent and everything is pay on time and because due day.
Monthly net income: $ 6500 monthly income.
Monthly expenses: $
??Housing: $ 1750
??Insurance: $ 141
??Car expenses: $ 360
??Utilities: $ 250
??Phone, cable, internet: $ 65
??Food, entertainment: $ 150
??Clothing, household expenses $ 100
??Credit cards and other loans: $ 360
??Other expenses: $ 400
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
477254
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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:
| 36.6% | | |
| | | |
|
|
Starting lender yield:
| 34.00% |
Starting borrower rate/APR:
| 35.00% / 38.72% |
Starting monthly payment:
| $339.27 |
| |
|
Auction yield range:
| 16.79% - 34.00% |
Estimated loss impact:
| 38.61% | | |
|
Lender servicing fee:
| 1.00% |
Estimated return:
| -4.61% | | |
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
|
Prosper score (1-10):
| 1 |
First credit line:
| Jul-1989 |
Debt/Income ratio:
| 31% |
|
Credit score:
| 640-659 (Sep-2010) |
Inquiries last 6m:
| 2 | Employment status: | Employed |
|
Now delinquent:
| 2 |
Current / open credit lines:
| 21
/
17 | Length of status: | 2y 3m |
|
Amount delinquent:
| $2,144 |
Total credit lines:
| 48 |
Occupation: | Clergy |
|
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $23,093 | Stated income: | $75,000-$99,999 |
|
Delinquencies in last 7y:
| 2 |
Bankcard utilization:
| 81% | | |
| | |
Homeownership:
| Yes | | |
|
Screen name:
| admirable-platinum2 |
Borrower's state:
| Kentucky |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Description
Paying off credit cards
Purpose of loan:
This loan will be used to? pay off credit card and medical debt
My financial situation:
I am a good candidate for this loan because?I will be paying off more monthly debt than the?new payment on this loan will be?
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
477256
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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:
| 24.0% | | |
| | | |
|
|
Starting lender yield:
| 25.00% |
Starting borrower rate/APR:
| 26.00% / 29.52% |
Starting monthly payment:
| $201.45 |
| |
|
Auction yield range:
| 16.79% - 25.00% |
Estimated loss impact:
| 25.44% | | |
|
Lender servicing fee:
| 1.00% |
Estimated return:
| -0.44% | | |
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 score (1-10):
| 3 |
First credit line:
| Nov-1991 |
Debt/Income ratio:
| Self-employed (DTI Not Calculated) |
|
Credit score:
| 660-679 (Sep-2010) |
Inquiries last 6m:
| 4 | Employment status: | Self-employed |
|
Now delinquent:
| 0 |
Current / open credit lines:
| 8
/
8 | Length of status: | 7y 4m |
|
Amount delinquent:
| $0 |
Total credit lines:
| 19 |
Occupation: | Sales - Retail |
|
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $32,372 | Stated income: | $50,000-$74,999 |
|
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 55% | | |
| | |
Homeownership:
| No | | |
|
Screen name:
| riveting-wealth0 |
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
inventory
Purpose of loan:
This loan will be used to?
to buy equipment and to purchase inventory
My financial situation:
I am a good candidate for this loan because?
Monthly net income: $ 5500
Monthly expenses: $ 3500
??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
477260
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
|
Amount:
| $15,000.00 |
Prosper Rating:
| A |
Auction Duration:
| 7 days
|
|
Term:
| 36 months |
Estimated loss:
| 3.5% | | |
| | | |
|
|
Starting lender yield:
| 10.15% |
Starting borrower rate/APR:
| 11.15% / 13.27% |
Starting monthly payment:
| $492.15 |
| |
|
Auction yield range:
| 3.79% - 10.15% |
Estimated loss impact:
| 3.53% | | |
|
Lender servicing fee:
| 1.00% |
Estimated return:
| 6.62% | | |
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 score (1-10):
| 9 |
First credit line:
| Aug-1997 |
Debt/Income ratio:
| 11% |
|
Credit score:
| 860-879 (Sep-2010) |
Inquiries last 6m:
| 1 | Employment status: | Employed |
|
Now delinquent:
| 0 |
Current / open credit lines:
| 5
/
5 | Length of status: | 8y 1m |
|
Amount delinquent:
| $0 |
Total credit lines:
| 6 |
Occupation: | Teacher |
|
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $1,057 | Stated income: | $50,000-$74,999 |
|
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 5% | | |
| | |
Homeownership:
| Yes | | |
|
Screen name:
| riveting-gold6 |
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
Very reliable teacher
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
477274
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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:
| 18.3% | | |
| | | |
|
|
Starting lender yield:
| 34.00% |
Starting borrower rate/APR:
| 35.00% / 38.72% |
Starting monthly payment:
| $226.18 |
| |
|
Auction yield range:
| 16.79% - 34.00% |
Estimated loss impact:
| 20.31% | | |
|
Lender servicing fee:
| 1.00% |
Estimated return:
| 13.69% | | |
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 score (1-10):
| 4 |
First credit line:
| Jan-1995 |
Debt/Income ratio:
| 16% |
|
Credit score:
| 640-659 (Sep-2010) |
Inquiries last 6m:
| 0 | Employment status: | Employed |
|
Now delinquent:
| 6 |
Current / open credit lines:
| 4
/
3 | Length of status: | 25y 5m |
|
Amount delinquent:
| $3,703 |
Total credit lines:
| 36 |
Occupation: | Analyst |
|
Public records last 12m / 10y:
| 0/ 1 |
Revolving credit balance:
| $443 | Stated income: | $25,000-$49,999 |
|
Delinquencies in last 7y:
| 10 |
Bankcard utilization:
| 88% | | |
| | |
Homeownership:
| Yes | | |
|
Screen name:
| lgrotkin |
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:
| 30 ( 100% )
| 640-659 (Latest)
|
|
Principal borrowed:
| $2,600.00 | < 31 days late:
| 0
( 0% )
| 700-719
(Dec-2007)
|
|
Principal balance:
| $0.00 |
31+ days late:
| 0
( 0% )
|
|
Total payments billed:
| 30 | | |
Description
Second Loan for Proven Borrower
Purpose of loan:
This loan will be used to consolidate and pay off a much, Much MUCH?higher interest loan.
My financial situation:
The BAD NEWS: From July 2009 thru July 2010, I was forced to endure a furlough from my job with the County of Riverside, which resulted in a 10% a month pay loss. I scrambled to make up this deficit, including borrowing some money from CashCall at the rate of 69% interest. I also fell behind on some other financial responsibilities - this is why I am showing delinquencies on my credit report
The GOOD NEWS: I am a GREAT candidate for this loan because 1) A new contract has been ratified, and my pay has been reinstated in full; my job is once again secure and paying well; 2) I paid off my last prosper loan (ahead of time!!!), despite the difficulties of the furlough; and 3)?despite of what I look like on paper (some delinquencies), I am a stable person - I have had the same job for almost 26 years, and have lived in the same home (buying) for 16 years.
I am attempting to get back on track by paying off my delinquencies, and?currently I am paying $300 to CashCall and others, so this Prosper loan would actually be a smaller payment that would let me pay off my debt faster.
I appreciate your consideration
Monthly net income: $3050
Monthly expenses: $?2290
??Housing: $ 1280
??Insurance: $ 60
??Car expenses: $0
??Utilities: $?150
??Phone, cable, internet: $?50
??Food, entertainment: $?300
??Clothing, household expenses $ 150
??Credit cards and other loans: $ 300 - But this amount will go away if I get the loan!!! I will use this amount to pay back the loan!
??Other expenses: $
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
477280
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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:
| 10.8% | | |
| | | |
|
|
Starting lender yield:
| 26.50% |
Starting borrower rate/APR:
| 27.50% / 31.05% |
Starting monthly payment:
| $410.94 |
| |
|
Auction yield range:
| 10.79% - 26.50% |
Estimated loss impact:
| 11.46% | | |
|
Lender servicing fee:
| 1.00% |
Estimated return:
| 15.04% | | |
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
|
Prosper score (1-10):
| 7 |
First credit line:
| Nov-1995 |
Debt/Income ratio:
| 14% |
|
Credit score:
| 660-679 (Sep-2010) |
Inquiries last 6m:
| 1 | Employment status: | Employed |
|
Now delinquent:
| 0 |
Current / open credit lines:
| 6
/
5 | Length of status: | 2y 1m |
|
Amount delinquent:
| $0 |
Total credit lines:
| 9 |
Occupation: | Analyst |
|
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $8,270 | Stated income: | $50,000-$74,999 |
|
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 81% | | |
| | |
Homeownership:
| No | | |
|
Screen name:
| a-sparkling-deal |
Borrower's state:
| NewYork |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Description
Paying off my credit cards
Purpose of loan:
This loan will be used to? Consolidate my credit cards
My financial situation:
I am a good candidate for this loan because? I?have steady employment..
Monthly net income: $ 3200
Monthly expenses: $ 2700
??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
477284
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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:
| 14.2% | | |
| | | |
|
|
Starting lender yield:
| 33.35% |
Starting borrower rate/APR:
| 34.35% / 38.06% |
Starting monthly payment:
| $179.48 |
| |
|
Auction yield range:
| 13.79% - 33.35% |
Estimated loss impact:
| 15.74% | | |
|
Lender servicing fee:
| 1.00% |
Estimated return:
| 17.61% | | |
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
|
Prosper score (1-10):
| 6 |
First credit line:
| Oct-1984 |
Debt/Income ratio:
| 26% |
|
Credit score:
| 660-679 (Sep-2010) |
Inquiries last 6m:
| 0 | Employment status: | Employed |
|
Now delinquent:
| 1 |
Current / open credit lines:
| 10
/
7 | Length of status: | 22y 3m |
|
Amount delinquent:
| $0 |
Total credit lines:
| 33 |
Occupation: | Professional |
|
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $7,561 | Stated income: | $50,000-$74,999 |
|
Delinquencies in last 7y:
| 26 |
Bankcard utilization:
| 37% | | |
| | |
Homeownership:
| No | | |
|
Screen name:
| devildog49 |
Borrower's state:
| Texas |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
| Loan history | Payment history | Credit score history |
|
Active / total loans:
| 0 / 1 |
On-time:
| 35 ( 100% )
| 660-679 (Latest)
|
|
Principal borrowed:
| $2,500.00 | < 31 days late:
| 0
( 0% )
| 540-559
(Jun-2006)
|
|
Principal balance:
| $0.00 |
31+ days late:
| 0
( 0% )
|
|
Total payments billed:
| 35 | | |
Description
Consolidate/Relocate
Purpose of loan:
This loan will be used to? This loan will be used to consolidate our credit cards and help us move to Florida to lease our new home with option to buy.
My financial situation:
I am a good candidate for this loan because? I have demonstrated a good payment history with the first Prosper Loan which was paid in full on time with no late payments. I have stable employment with Continental Airlines for 22 yrs.
Monthly net income: $ 5500
Monthly expenses: $ 3800
??Housing: $ 1500
??Insurance: $ 180
??Car expenses: $ 0
??Utilities: $ 150
??Phone, cable, internet: $ 78
??Food, entertainment: $ 300
??Clothing, household expenses $ 200
??Credit cards and other loans: $ 600
??Other expenses: $ 700
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
477292
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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:
| 3.2% | | |
| | | |
|
|
Starting lender yield:
| 9.80% |
Starting borrower rate/APR:
| 10.80% / 12.92% |
Starting monthly payment:
| $163.22 |
| |
|
Auction yield range:
| 3.79% - 9.80% |
Estimated loss impact:
| 3.28% | | |
|
Lender servicing fee:
| 1.00% |
Estimated return:
| 6.52% | | |
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
|
Prosper score (1-10):
| 9 |
First credit line:
| Mar-1990 |
Debt/Income ratio:
| 8% |
|
Credit score:
| 840-859 (Sep-2010) |
Inquiries last 6m:
| 1 | Employment status: | Employed |
|
Now delinquent:
| 0 |
Current / open credit lines:
| 7
/
7 | Length of status: | 0y 3m |
|
Amount delinquent:
| $0 |
Total credit lines:
| 17 |
Occupation: | Other |
|
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $4,644 | Stated income: | $100,000+ |
|
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 0% | | |
| | |
Homeownership:
| Yes | | |
|
Screen name:
| jasaunders |
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:
| 26 ( 100% )
| 840-859 (Latest)
|
|
Principal borrowed:
| $6,500.00 | < 31 days late:
| 0
( 0% )
| 780-799
(Oct-2008)
800-819
(Jan-2008)
800-819
(Mar-2007)
|
|
Principal balance:
| $0.00 |
31+ days late:
| 0
( 0% )
|
|
Total payments billed:
| 26 | | |
Description
Paying off wedding debt
Purpose of loan:
I plan to use this loan to pay off my credit card which I have been using to pay for my upcoming wedding.? My credit card has a rate of about 13.5% and so I am hoping to get a loan on here that is a little more than half of that.
My financial situation:
My financial situation and history is excellent.? As you can see from my profile, I have a very high credit score and?have never missed a bill payment.? More importantly, I have taken out two loans before on Prosper and I never missed a payment with either of those and both were paid in full.? I plan to pay back this loan in 18-24 months instead of the three year term.
If you have any questions that I can answer, please let me know.? Thank you in advance for lending.
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
477302
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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:
| 24.0% | | |
| | | |
|
|
Starting lender yield:
| 34.00% |
Starting borrower rate/APR:
| 35.00% / 38.72% |
Starting monthly payment:
| $135.71 |
| |
|
Auction yield range:
| 16.79% - 34.00% |
Estimated loss impact:
| 26.01% | | |
|
Lender servicing fee:
| 1.00% |
Estimated return:
| 7.99% | | |
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 score (1-10):
| 3 |
First credit line:
| Jan-1999 |
Debt/Income ratio:
| 82% |
|
Credit score:
| 680-699 (Sep-2010) |
Inquiries last 6m:
| 1 | Employment status: | Employed |
|
Now delinquent:
| 1 |
Current / open credit lines:
| 13
/
13 | Length of status: | 15y 7m |
|
Amount delinquent:
| $0 |
Total credit lines:
| 24 |
Occupation: | Laborer |
|
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $10,760 | Stated income: | $25,000-$49,999 |
|
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 77% | | |
| | |
Homeownership:
| No | | |
|
Screen name:
| gold-rancher2 |
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
Car Repairs for my daughter
Purpose of loan:
This loan will be used to?
Help my daughter fix her car so she can continue going to school.
My financial situation:
I am a good candidate for this loan because?
I have no house payment because I own my home and I am reliable at paying back my debts.
Monthly net income: $
2000
Monthly expenses: $
??Housing: $ 0
??Insurance: $ 89
??Car expenses: $ 525
??Utilities: $ 250
??Phone, cable, internet: $ 0
??Food, entertainment: $ 50
??Clothing, household expenses $
??Credit cards and other loans: $
??Other expenses: $
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
477304
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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:
| 10.8% | | |
| | | |
|
|
Starting lender yield:
| 26.50% |
Starting borrower rate/APR:
| 27.50% / 31.05% |
Starting monthly payment:
| $143.83 |
| |
|
Auction yield range:
| 10.79% - 26.50% |
Estimated loss impact:
| 11.46% | | |
|
Lender servicing fee:
| 1.00% |
Estimated return:
| 15.04% | | |
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
|
Prosper score (1-10):
| 5 |
First credit line:
| Jul-1993 |
Debt/Income ratio:
| 49% |
|
Credit score:
| 760-779 (Sep-2010) |
Inquiries last 6m:
| 1 | Employment status: | Employed |
|
Now delinquent:
| 0 |
Current / open credit lines:
| 9
/
9 | Length of status: | 43y 8m |
|
Amount delinquent:
| $0 |
Total credit lines:
| 27 |
Occupation: | Professional |
|
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $34,347 | Stated income: | $50,000-$74,999 |
|
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 80% | | |
| | |
Homeownership:
| Yes | | |
|
Screen name:
| velocity-flute |
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
Credit card paydown
Purpose of loan:
This loan will be used to pay down & consolidate credit cards
My financial situation:
I am a good candidate for this loan because I have a good score and I always pay.
Monthly net income: $ 5200
Monthly expenses: $?3000
??Housing: $ 1200
??Insurance: $?100
??Car expenses: $ 100
??Utilities: $ 200
??Phone, cable, internet: $ 100
??Food, entertainment: $ 200
??Clothing, household expenses $200
??Credit cards and other loans: $ 800
??Other expenses: $ 100
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
477320
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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:
| 24.0% | | |
| | | |
|
|
Starting lender yield:
| 34.00% |
Starting borrower rate/APR:
| 35.00% / 38.72% |
Starting monthly payment:
| $339.27 |
| |
|
Auction yield range:
| 16.79% - 34.00% |
Estimated loss impact:
| 26.01% | | |
|
Lender servicing fee:
| 1.00% |
Estimated return:
| 7.99% | | |
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 score (1-10):
| 2 |
First credit line:
| Sep-2003 |
Debt/Income ratio:
| 27% |
|
Credit score:
| 640-659 (Sep-2010) |
Inquiries last 6m:
| 3 | Employment status: | Employed |
|
Now delinquent:
| 0 |
Current / open credit lines:
| 8
/
7 | Length of status: | 1y 3m |
|
Amount delinquent:
| $0 |
Total credit lines:
| 16 |
Occupation: | Administrative Assi... |
|
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $2,935 | Stated income: | $25,000-$49,999 |
|
Delinquencies in last 7y:
| 1 |
Bankcard utilization:
| 46% | | |
| | |
Homeownership:
| No | | |
|
Screen name:
| five-star-leverage3 |
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 Student loan & credit cards
Purpose of loan:
This loan will be used to? Pay off a student loan and will also pay my existing credit card bills.
My financial situation: I am a Junior at a state university, I work full-time and always pay my bills on time and more than the minimum balance
I am a good candidate for this loan because? I am responsible and trustworthy. I know that if I can consolidate my loan into one payment, it would be a lot of help. I am able to make my payments now, but because I don't make a lot, I can only pay a little on each bill. If I can consolidate the bills and then use the payments I make for each one and make one single payment, I would be debt free sooner and less stressed as well.
Monthly net income: $2,400
Monthly expenses: $ 2360
??Housing: $0
??Insurance: $90
??Car expenses: $200
??Utilities: $50
??Phone, cable, internet: $100
??Food, entertainment: $
??Clothing, household expenses $50
??Credit cards and other loans: $
??Other expenses: $
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
477322
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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:
| D |
Auction Duration:
| 7 days
|
|
Term:
| 36 months |
Estimated loss:
| 9.8% | | |
| | | |
|
|
Starting lender yield:
| 29.00% |
Starting borrower rate/APR:
| 30.00% / 33.61% |
Starting monthly payment:
| $191.03 |
| |
|
Auction yield range:
| 10.79% - 29.00% |
Estimated loss impact:
| 10.53% | | |
|
Lender servicing fee:
| 1.00% |
Estimated return:
| 18.47% | | |
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
|
Prosper score (1-10):
| 6 |
First credit line:
| Jun-1990 |
Debt/Income ratio:
| 22% |
|
Credit score:
| 700-719 (Sep-2010) |
Inquiries last 6m:
| 2 | Employment status: | Employed |
|
Now delinquent:
| 0 |
Current / open credit lines:
| 18
/
11 | Length of status: | 7y 4m |
|
Amount delinquent:
| $0 |
Total credit lines:
| 33 |
Occupation: | Executive |
|
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $22,142 | Stated income: | $50,000-$74,999 |
|
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 88% | | |
| | |
Homeownership:
| Yes | | |
|
Screen name:
| tdbear2030 |
Borrower's state:
| Georgia |
Borrower's group:
| BORROWERS - 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:
| 34 ( 100% )
| 700-719 (Latest)
|
|
Principal borrowed:
| $4,500.00 | < 31 days late:
| 0
( 0% )
| 700-719
(Aug-2010)
640-659
(Mar-2010)
620-639
(Mar-2007)
|
|
Principal balance:
| $0.01 |
31+ days late:
| 0
( 0% )
|
|
Total payments billed:
| 34 | | |
Description
Putting on a New Roof
Purpose of loan:
Putting on a new roof. We are in need of a new roof and looking to put one on before winter.
My financial situation:
I have had a prosper loan before and it was paid on time every month? I have maintained my job for the past 7 years and my husband is employed as a firefighter.
Monthly net income: $
My income $3485.78
Husbands Income $1920.38
Monthly expenses: $
??Housing: $ 1151????
??Insurance: $?75.00
??Car expenses: $?150 husbands fuel?(my car is a company and everything is paid for)
? Utilities: $ 1011
??Food, Baby Food, & Diapers: $ 600
??Clothing, household expenses $ 100
??Credit cards and other loans: $ 756
??Daycare: $200 Questions: Some people asked on my last loan listing why I withdrew it. I really didn?t like the rate that it was set to close at and it wasn?t going to work-out if I had to be out longer for work with the newborn so we waited. Now the baby has come and I?m back at work and saved $1500 towards the roof and just looking to have it done before winter. Please ask any questions, we want the best rate possible
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
477332
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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:
| 24.0% | | |
| | | |
|
|
Starting lender yield:
| 34.00% |
Starting borrower rate/APR:
| 35.00% / 38.72% |
Starting monthly payment:
| $180.94 |
| |
|
Auction yield range:
| 16.79% - 34.00% |
Estimated loss impact:
| 26.01% | | |
|
Lender servicing fee:
| 1.00% |
Estimated return:
| 7.99% | | |
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 score (1-10):
| 2 |
First credit line:
| Dec-1991 |
Debt/Income ratio:
| Self-employed (DTI Not Calculated) |
|
Credit score:
| 680-699 (Sep-2010) |
Inquiries last 6m:
| 0 | Employment status: | Self-employed |
|
Now delinquent:
| 0 |
Current / open credit lines:
| 10
/
9 | Length of status: | 7y 8m |
|
Amount delinquent:
| $0 |
Total credit lines:
| 28 |
Occupation: | Computer Programmer |
|
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $44,786 | Stated income: | $75,000-$99,999 |
|
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 98% | | |
| | |
Homeownership:
| Yes | | |
|
Screen name:
| blooming-gold6 |
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
funding - equipment and marketing
Purpose of loan:
This loan will be used to purchase a new laptop as well as Adobe CS Development Suite and improve my home office situation.
My financial situation: I have steady income and my business is finally where I want it. I have taken on considerable debt over the last few years growing my business and have landed several large clients, including an Inc 500 company that I am now their lead IT consultant. Things are going great but I need to invest in my business to stay on top. I pay my bills on time.
I am a good candidate for this loan because?I will succeed. I have never lost a customer in seven years.
Monthly gross income: $8500
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
477338
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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:
| 10.8% | | |
| | | |
|
|
Starting lender yield:
| 26.50% |
Starting borrower rate/APR:
| 27.50% / 31.05% |
Starting monthly payment:
| $205.47 |
| |
|
Auction yield range:
| 10.79% - 26.50% |
Estimated loss impact:
| 11.46% | | |
|
Lender servicing fee:
| 1.00% |
Estimated return:
| 15.04% | | |
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
|
Prosper score (1-10):
| 7 |
First credit line:
| May-1990 |
Debt/Income ratio:
| 8% |
|
Credit score:
| 660-679 (Sep-2010) |
Inquiries last 6m:
| 0 | Employment status: | Employed |
|
Now delinquent:
| 2 |
Current / open credit lines:
| 4
/
4 | Length of status: | 2y 6m |
|
Amount delinquent:
| $249 |
Total credit lines:
| 7 |
Occupation: | Administrative Assi... |
|
Public records last 12m / 10y:
| 0/ 2 |
Revolving credit balance:
| $5,273 | Stated income: | $50,000-$74,999 |
|
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 67% | | |
| | |
Homeownership:
| No | | |
|
Screen name:
| discrete-order3 |
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
Credit Cards
Purpose of loan:
Payoff credit cards
My financial situation:
I make good money and I am able to repay this loan, I am just wanting to have one pymt a monthly
Monthly net income: $
Monthly expenses: $?
??Housing: $ 1200.00????
??Insurance: $ 135.00
??Car expenses: $?
??Utilities: $ 300.00
??Phone, cable, internet: $ 100.00
??Food, entertainment: $ 500.00
??Clothing, household expenses $
??Credit cards and other loans: $ 500.00
??Other expenses: $
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
477344
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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:
| 18.3% | | |
| | | |
|
|
Starting lender yield:
| 34.00% |
Starting borrower rate/APR:
| 35.00% / 38.72% |
Starting monthly payment:
| $271.42 |
| |
|
Auction yield range:
| 16.79% - 34.00% |
Estimated loss impact:
| 20.31% | | |
|
Lender servicing fee:
| 1.00% |
Estimated return:
| 13.69% | | |
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 score (1-10):
| 6 |
First credit line:
| Jul-1997 |
Debt/Income ratio:
| 21% |
|
Credit score:
| 620-639 (Sep-2010) |
Inquiries last 6m:
| 1 | Employment status: | Employed |
|
Now delinquent:
| 0 |
Current / open credit lines:
| 8
/
8 | Length of status: | 21y 11m |
|
Amount delinquent:
| $0 |
Total credit lines:
| 26 |
Occupation: | Laborer |
|
Public records last 12m / 10y:
| 0/ 1 |
Revolving credit balance:
| $3,027 | Stated income: | $75,000-$99,999 |
|
Delinquencies in last 7y:
| 3 |
Bankcard utilization:
| 78% | | |
| | |
Homeownership:
| Yes | | |
|
Screen name:
| Shark1056 |
Borrower's state:
| Ohio |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
| Loan history | Payment history | Credit score history |
|
Active / total loans:
| 1 / 1 |
On-time:
| 11 ( 100% )
| 620-639 (Latest)
|
|
Principal borrowed:
| $3,500.00 | < 31 days late:
| 0
( 0% )
| 640-659
(Aug-2010)
660-679
(Sep-2009)
660-679
(Aug-2009)
520-539
(Aug-2008)
|
|
Principal balance:
| $2,643.27 |
31+ days late:
| 0
( 0% )
|
|
Total payments billed:
| 11 | | |
Description
Used car and college tuition
Purpose of loan:
This loan will be used to? Help both of my children with college expenses and to buy my daughter a used car to go back and forth to college.? She is an honor student with lots?academic and athletic awards and I would like to reward her with a nice reliable car.? ?Both of my children are college athletes and need the financial assistance of my wife and I throughout the year.? Tuition costs and expenses that need paid during the college year.? A loan from my peers on Prosper would help out tremendously.
My financial situation:
I am a good candidate for this loan because? I have a smaller loan with Prosper that I have not missed a payment on and I have it directly taken out of my checking account.? I will pay back my loan in less then 3 years and I will make extra payments.? I work extremely hard and work overtime whenever it is available.? I plan on using my overtime pay to make extra payments.? I would rather pay peers on Prosper the interest rates over the banking industry.?Thanks for considering my family as your investment.
Monthly net income: $ 6250
Monthly expenses: $ 3200
??Housing: $ 1250
??Insurance: $ 300
??Car expenses: $ 150
??Utilities: $ 250
??Phone, cable, internet: $ 175
??Food, entertainment: $ 625
??Clothing, household expenses $ 200
??Credit cards and other loans: $ 250
??Other expenses: $
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
477350
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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:
| 7.7% | | |
| | | |
|
|
Starting lender yield:
| 7.79% |
Starting borrower rate/APR:
| 8.79% / 11.96% |
Starting monthly payment:
| $95.11 |
| |
|
Auction yield range:
| 7.79% - 7.79% |
Estimated loss impact:
| 7.85% | | |
|
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 score (1-10):
| 7 |
First credit line:
| Nov-1998 |
Debt/Income ratio:
| 30% |
|
Credit score:
| 780-799 (Sep-2010) |
Inquiries last 6m:
| 0 | Employment status: | Employed |
|
Now delinquent:
| 0 |
Current / open credit lines:
| 9
/
7 | Length of status: | 2y 3m |
|
Amount delinquent:
| $0 |
Total credit lines:
| 21 |
Occupation: | Police Officer/Corr... |
|
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $2,374 | Stated income: | $25,000-$49,999 |
|
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 30% | | |
| | |
Homeownership:
| Yes | | |
|
Screen name:
| funds-storm |
Borrower's state:
| Arizona |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
| Loan history | Payment history | Credit score history |
|
Active / total loans:
| 1 / 1 |
On-time:
| 7 ( 100% )
| 780-799 (Latest)
|
|
Principal borrowed:
| $1,000.00 | < 31 days late:
| 0
( 0% )
| 800-819
(Feb-2010)
|
|
Principal balance:
| $789.83 |
31+ days late:
| 0
( 0% )
|
|
Total payments billed:
| 7 | | |
Description
Pay Back in 4 months hopefully.
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
457811
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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:
| E |
Auction Duration:
| 7 days
|
|
Term:
| 36 months |
Estimated loss:
| 14.2% | | |
| | | |
|
|
Starting lender yield:
| 16.00% |
Starting borrower rate/APR:
| 17.00% / 20.33% |
Starting monthly payment:
| $231.74 |
| |
|
Auction yield range:
| 13.79% - 16.00% |
Estimated loss impact:
| 14.90% | | |
|
Lender servicing fee:
| 1.00% |
Estimated return:
| 1.10% | | |
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
|
Prosper score (1-10):
| 5 |
First credit line:
| Aug-2001 |
Debt/Income ratio:
| 16% |
|
Credit score:
| 660-679 (Sep-2010) |
Inquiries last 6m:
| 6 | Employment status: | Employed |
|
Now delinquent:
| 0 |
Current / open credit lines:
| 15
/
13 | Length of status: | 5y 1m |
|
Amount delinquent:
| $0 |
Total credit lines:
| 27 |
Occupation: | Sales - Commission |
|
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $2,396 | Stated income: | $75,000-$99,999 |
|
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 16% | | |
| | |
Homeownership:
| No | | |
|
Screen name:
| wise-special-market |
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 card
Purpose of loan:
This loan will be used to pay off credit cards that were used while I was unemployed for 3 months
My financial situation:
I am a good candidate for this loan because I have never missed a payment on anything in my life
Monthly net income: $ 38000
Monthly expenses: $
??Housing: $ 662.50
??Insurance: $ 27.50
??Car expenses: $ 30.00
??Utilities: $ 90.00
??Phone, cable, internet: $ 60.00
??Food, entertainment: $ 100.00
??Clothing, household expenses $ 200.00
??Credit cards and other loans: $ 0
??Other expenses: $ 0
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
470559
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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:
| 6.0% | | |
| | | |
|
|
Starting lender yield:
| 14.15% |
Starting borrower rate/APR:
| 15.15% / 17.32% |
Starting monthly payment:
| $521.08 |
| |
|
Auction yield range:
| 5.79% - 14.15% |
Estimated loss impact:
| 6.19% | | |
|
Lender servicing fee:
| 1.00% |
Estimated return:
| 7.96% | | |
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 score (1-10):
| 8 |
First credit line:
| Feb-2003 |
Debt/Income ratio:
| Not calculated |
|
Credit score:
| 720-739 (Sep-2010) |
Inquiries last 6m:
| 0 | Employment status: | Employed |
|
Now delinquent:
| 0 |
Current / open credit lines:
| 7
/
7 | Length of status: | 3y 6m |
|
Amount delinquent:
| $0 |
Total credit lines:
| 10 |
Occupation: | Other |
|
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $11,842 | Stated income: | $25,000-$49,999 |
|
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 50% | | |
| | |
Homeownership:
| No | | |
|
Screen name:
| unconquerable-market0 |
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
My loan for a sea food business
Purpose of loan:
This loan will be used to?renovate and update an already opperating sea food store.
My financial situation:
I am a good candidate for this loan because?
i have great credit, im an extremely hard worker, and believe that im going to excell.
Monthly net income: $
3,000
Monthly expenses: $
??Housing: $ 400
??Insurance: $ 100
??Car expenses: $ 300
??Utilities: $?75
??Phone, cable, internet: $75
??Food, entertainment: $ 100
??Clothing, household expenses $50
??Credit cards and other loans: $ 0
??Other expenses: $
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
471171
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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:
| 12.65% |
Starting borrower rate/APR:
| 13.65% / 15.80% |
Starting monthly payment:
| $510.12 |
| |
|
Auction yield range:
| 5.79% - 12.65% |
Estimated loss impact:
| 5.16% | | |
|
Lender servicing fee:
| 1.00% |
Estimated return:
| 7.49% | | |
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
|
Prosper score (1-10):
| 8 |
First credit line:
| Dec-1997 |
Debt/Income ratio:
| 29% |
|
Credit score:
| 740-759 (Sep-2010) |
Inquiries last 6m:
| 1 | Employment status: | Employed |
|
Now delinquent:
| 0 |
Current / open credit lines:
| 11
/
11 | Length of status: | 12y 11m |
|
Amount delinquent:
| $0 |
Total credit lines:
| 22 |
Occupation: | Tradesman - Mechani... |
|
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $3,472 | Stated income: | $75,000-$99,999 |
|
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 10% | | |
| | |
Homeownership:
| Yes | | |
|
Screen name:
| piratephan40 |
Borrower's state:
| Texas |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
| Loan history | Payment history | Credit score history |
|
Active / total loans:
| 0 / 2 |
On-time:
| 36 ( 100% )
| 740-759 (Latest)
|
|
Principal borrowed:
| $5,500.00 | < 31 days late:
| 0
( 0% )
| 660-679
(Aug-2010)
660-679
(May-2010)
620-639
(Apr-2006)
|
|
Principal balance:
| $0.00 |
31+ days late:
| 0
( 0% )
|
|
Total payments billed:
| 36 | | |
Description
Kitchen/Bath Makeover
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
471497
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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:
| 10.8% | | |
| | | |
|
|
Starting lender yield:
| 12.00% |
Starting borrower rate/APR:
| 13.00% / 16.25% |
Starting monthly payment:
| $505.41 |
| |
|
Auction yield range:
| 10.79% - 12.00% |
Estimated loss impact:
| 11.06% | | |
|
Lender servicing fee:
| 1.00% |
Estimated return:
| 0.94% | | |
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 score (1-10):
| 6 |
First credit line:
| Mar-2006 |
Debt/Income ratio:
| 9% |
|
Credit score:
| 700-719 (Sep-2010) |
Inquiries last 6m:
| 2 | Employment status: | Employed |
|
Now delinquent:
| 0 |
Current / open credit lines:
| 9
/
7 | Length of status: | 5y 2m |
|
Amount delinquent:
| $0 |
Total credit lines:
| 16 |
Occupation: | Accountant/CPA |
|
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $16,398 | Stated income: | $100,000+ |
|
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 73% | | |
| | |
Homeownership:
| No | | |
|
Screen name:
| neighborly-investment0 |
Borrower's state:
| California |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Description
Paying off debts-Never missed pmt!!
Purpose of loan:
This loan will be used to pay off credit card debts
My financial situation:
I am a good candidate for this loan because i have never missed pmt to any creditor? & look at my debt/income ratio...
Annual Income: $190,000
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
476753
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
|
Amount:
| $1,400.00 |
Prosper Rating:
| HR |
Auction Duration:
| 7 days
|
|
Term:
| 36 months |
Estimated loss:
| 18.3% | | |
| | | |
|
|
Starting lender yield:
| 16.80% |
Starting borrower rate/APR:
| 17.80% / 21.81% |
Starting monthly payment:
| $50.47 |
| |
|
Auction yield range:
| 16.79% - 16.80% |
Estimated loss impact:
| 19.22% | | |
|
Lender servicing fee:
| 1.00% |
Estimated return:
| -2.42% | | |
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 score (1-10):
| 5 |
First credit line:
| Apr-1990 |
Debt/Income ratio:
| 29% |
|
Credit score:
| 660-679 (Sep-2010) |
Inquiries last 6m:
| 1 | Employment status: | Employed |
|
Now delinquent:
| 0 |
Current / open credit lines:
| 9
/
6 | Length of status: | 0y 2m |
|
Amount delinquent:
| $0 |
Total credit lines:
| 27 |
Occupation: | Professional |
|
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $20,787 | Stated income: | $50,000-$74,999 |
|
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 88% | | |
| | |
Homeownership:
| No | | |
|
Screen name:
| bid-gadget |
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
Computer needed for business.
Purpose of loan:
The loan will be used to buy a new computer (Mac desktop) for my business I am starting alongside my current job. I have a laptop (PC) at home I currently use for my job. Even though it is only a few years old, it is very slow and not conducive to my current job (work from home 3x a week and in the office 2x a week).
My financial situation:
I am a good candidate for this loan because I have had installment loans before and have paid them off on time and without missing any payments.
Monthly net income: $ $3,200
Monthly expenses: $
??Housing: $
800.00
??Insurance: $
70.00 (car insurance)
??Car expenses: $
100.00 (car is paid. Only expense is gas or repairs if needed)
??Utilities: $
60.00
??Phone, cable, internet: $
90.00
??Food, entertainment: $ 500.00
??Clothing, household expenses $
200.00
??Credit cards and other loans: $ 900.00
??Other expenses: $
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
476835
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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:
| E |
Auction Duration:
| 7 days
|
|
Term:
| 36 months |
Estimated loss:
| 14.2% | | |
| | | |
|
|
Starting lender yield:
| 33.35% |
Starting borrower rate/APR:
| 34.35% / 38.06% |
Starting monthly payment:
| $336.52 |
| |
|
Auction yield range:
| 13.79% - 33.35% |
Estimated loss impact:
| 15.74% | | |
|
Lender servicing fee:
| 1.00% |
Estimated return:
| 17.61% | | |
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
|
Prosper score (1-10):
| 6 |
First credit line:
| Aug-2001 |
Debt/Income ratio:
| 18% |
|
Credit score:
| 660-679 (Sep-2010) |
Inquiries last 6m:
| 2 | Employment status: | Employed |
|
Now delinquent:
| 1 |
Current / open credit lines:
| 5
/
3 | Length of status: | 2y 1m |
|
Amount delinquent:
| $9,606 |
Total credit lines:
| 14 |
Occupation: | Professional |
|
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $1,840 | Stated income: | $25,000-$49,999 |
|
Delinquencies in last 7y:
| 3 |
Bankcard utilization:
| 70% | | |
| | |
Homeownership:
| No | | |
|
Screen name:
| income-venus7 |
Borrower's state:
| WestVirginia |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Description
Paying off Bad Debt
Purpose of loan:
This loan will be used to pay off a bad debt
My financial situation:
I am a good candidate for this loan because i have a stable job now and will be able to pay this.
Monthly net income: $ 1450.00
Monthly expenses: $
??Housing: $ 500.00
??Insurance: $ 0
??Car expenses: $ 0
??Utilities: $ 100.00
??Phone, cable, internet: $ 100.00
??Food, entertainment: $ 100.00
???Credit cards and other loans: $ 200.00
??Other expenses: $ 0
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
476901
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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:
| 10.8% | | |
| | | |
|
|
Starting lender yield:
| 14.00% |
Starting borrower rate/APR:
| 15.00% / 18.29% |
Starting monthly payment:
| $346.65 |
| |
|
Auction yield range:
| 10.79% - 14.00% |
Estimated loss impact:
| 11.11% | | |
|
Lender servicing fee:
| 1.00% |
Estimated return:
| 2.89% | | |
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 score (1-10):
| 7 |
First credit line:
| Feb-1985 |
Debt/Income ratio:
| 11% |
|
Credit score:
| 640-659 (Sep-2010) |
Inquiries last 6m:
| 3 | Employment status: | Employed |
|
Now delinquent:
| 1 |
Current / open credit lines:
| 11
/
11 | Length of status: | 23y 7m |
|
Amount delinquent:
| $7,784 |
Total credit lines:
| 41 |
Occupation: | Executive |
|
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $5,777 | Stated income: | $100,000+ |
|
Delinquencies in last 7y:
| 30 |
Bankcard utilization:
| 63% | | |
| | |
Homeownership:
| No | | |
|
Screen name:
| euro-wheel |
Borrower's state:
| Florida |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Description
Pay off 2 car loans and credit card
Purpose of loan:
This loan will be used to?
My financial situation:
I am a good candidate for this loan because? I have strong income with very little debt. Have been employed for over 23 years with the largest engineering firm in the world AECOM. I am a Sr. executive with the company.
Monthly net income: $ 17,000.00>Monthly expenses: $ 5,650.00??Housing: $2,600
??Insurance: $ 300
??Car expenses: $1200
??Utilities: $250
??Phone, cable, internet: $200
??Food, entertainment: $500
??Clothing, household expenses $200
??Credit cards and other loans: $200
??Other expenses: $200
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
476907
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
|
Amount:
| $14,900.00 |
Prosper Rating:
| B |
Auction Duration:
| 7 days
|
|
Term:
| 36 months |
Estimated loss:
| 6.0% | | |
| | | |
|
|
Starting lender yield:
| 12.00% |
Starting borrower rate/APR:
| 13.00% / 15.14% |
Starting monthly payment:
| $502.04 |
| |
|
Auction yield range:
| 5.79% - 12.00% |
Estimated loss impact:
| 6.15% | | |
|
Lender servicing fee:
| 1.00% |
Estimated return:
| 5.85% | | |
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
|
Prosper score (1-10):
| 9 |
First credit line:
| Jan-1991 |
Debt/Income ratio:
| 14% |
|
Credit score:
| 700-719 (Sep-2010) |
Inquiries last 6m:
| 0 | Employment status: | Employed |
|
Now delinquent:
| 0 |
Current / open credit lines:
| 6
/
6 | Length of status: | 0y 10m |
|
Amount delinquent:
| $0 |
Total credit lines:
| 22 |
Occupation: | Professional |
|
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $30,852 | Stated income: | $100,000+ |
|
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 88% | | |
| | |
Homeownership:
| No | | |
|
Screen name:
| basis-piccolo0 |
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
basis-piccolo0
Purpose of loan:
This loan will be used to?
Hello,
Thank you for your consideration!?
I have two high interest credit cards that I would like to pay off.? Unfortunately, I was laid off for part of 2009, and I had to use these cards for living expenses.
My financial situation:
I am a good candidate for this loan because?
1.? I have never, ever made a late payment on any sort of loan.? I take my debts seriously.
2.? I have around $2500 a month in disposable income.? So, a $500 payment is not an issue.
Monthly net income: $
6,500
Monthly expenses: $
??Housing: $
1570
??Insurance: $
100
??Car expenses: $
470
??Utilities: $
70
??Phone, cable, internet: $
200
??Food, entertainment: $
500
??Clothing, household expenses $
100
??Credit cards and other loans: $ 700
??Other expenses: $
200
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
476919
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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:
| 24.0% | | |
| | | |
|
|
Starting lender yield:
| 25.90% |
Starting borrower rate/APR:
| 26.90% / 30.44% |
Starting monthly payment:
| $183.47 |
| |
|
Auction yield range:
| 16.79% - 25.90% |
Estimated loss impact:
| 25.50% | | |
|
Lender servicing fee:
| 1.00% |
Estimated return:
| 0.40% | | |
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
|
Prosper score (1-10):
| 2 |
First credit line:
| Feb-1999 |
Debt/Income ratio:
| Not calculated |
|
Credit score:
| 700-719 (Sep-2010) |
Inquiries last 6m:
| 4 | Employment status: | Employed |
|
Now delinquent:
| 0 |
Current / open credit lines:
| 22
/
22 | Length of status: | 1y 3m |
|
Amount delinquent:
| $0 |
Total credit lines:
| 25 |
Occupation: | Retail Management |
|
Public records last 12m / 10y:
| 0/ 1 |
Revolving credit balance:
| $4,139 | Stated income: | $1-$24,999 |
|
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 22% | | |
| | |
Homeownership:
| No | | |
|
Screen name:
| psychicmike |
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 My Current Credit Card Debt
Purpose of loan:
Just looking to pay off my existing credit card debt and consolidate into a lower monthly payment.
My financial situation:
I am current on all payments with my credit cards. No lates. I always pay as soon as my billing cycle revolves.
I currently pay all my credit card bills using my banks bill pay feature.?
Monthly expenses: $
??Housing: $ 300
??Insurance: $?
none
??Car expenses: $?
Don't own a car
??Utilities: $?
included in room rent
??Phone, cable, internet: $ use? prepaid cell service.
? Credit cards and other loans: $?
Currently at around $4,000.00
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
476925
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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:
| 10.8% | | |
| | | |
|
|
Starting lender yield:
| 19.00% |
Starting borrower rate/APR:
| 20.00% / 23.39% |
Starting monthly payment:
| $557.45 |
| |
|
Auction yield range:
| 10.79% - 19.00% |
Estimated loss impact:
| 11.25% | | |
|
Lender servicing fee:
| 1.00% |
Estimated return:
| 7.75% | | |
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 score (1-10):
| 7 |
First credit line:
| Mar-1999 |
Debt/Income ratio:
| 25% |
|
Credit score:
| 740-759 (Sep-2010) |
Inquiries last 6m:
| 0 | Employment status: | Employed |
|
Now delinquent:
| 0 |
Current / open credit lines:
| 17
/
16 | Length of status: | 6y 9m |
|
Amount delinquent:
| $0 |
Total credit lines:
| 34 |
Occupation: | Sales - Retail |
|
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $10,287 | Stated income: | $75,000-$99,999 |
|
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 0% | | |
| | |
Homeownership:
| No | | |
|
Screen name:
| cj3197 |
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
Payoff car and last credit card!!!
Purpose of loan:
This loan will be used to pay off my last revolving credit line AND pay off my car. I have been working hard for a long time now and I am finally almost there!!! My goal is to have no more revolving credit debt and want to be completely liquid for all my expenses.
My financial situation:
I am a good candidate for this loan because I am in a great financial position and am very motivated to eliminate all of my revolving debt and live a ?spend what you already have? type of life. I make a very good salary and have a very secure job within the union brotherhood. The monthly payment for this loan will be about the same as my current car payment plus I will eliminate my last revolving credit line. This loan will actually decrease my monthly expenses about 170 dollars a month and reduce the length of time it would have taken me to pay off these loans. I don?t know why Prosper is giving me a D rating. I have excellent credit history with on time payments, good income to debt ratio, and don?t really use any credit cards anymore. I am going for this loan to expedite the process of having absolutely no more revolving debt. My highest interest rate is 18 percent so that?s why I am only willing to pay 20 percent interest on this loan. Anything higher and I?m better off staying where I am. Three years from now hopefully I?ll be in a position to help other Prosper borrowers.
Monthly net income: $ 3800.00
Monthly expenses: $
??Housing: $ 325 (half the rent)
??Insurance: $ PIF (but 936 a year so would be 78 a month)
??Car expenses: $ 551.00 (which will be eliminated with this loan)
??Utilities: $ 100 a month for half the gas and electric.
??Phone, cable, internet: $ 100 for my portion of internet, TV, and cell phone.
??Food, entertainment: $ 400 includes groceries and dining out for the month.
??Clothing, household expenses $ 50 - I am not a big shopper.
??Credit cards and other loans: $ 325 (175 of which I pay for that last revolving credit line that will be eliminated and 147 for another?installment loan)
??Other expenses: $ 40 for gym, 10 for Netflix, 80 a month for gas, and 10 for web hosting.
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
476931
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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:
| 10.8% | | |
| | | |
|
|
Starting lender yield:
| 26.50% |
Starting borrower rate/APR:
| 27.50% / 31.05% |
Starting monthly payment:
| $205.47 |
| |
|
Auction yield range:
| 10.79% - 26.50% |
Estimated loss impact:
| 11.46% | | |
|
Lender servicing fee:
| 1.00% |
Estimated return:
| 15.04% | | |
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
|
Prosper score (1-10):
| 7 |
First credit line:
| Apr-1993 |
Debt/Income ratio:
| 21% |
|
Credit score:
| 740-759 (Sep-2010) |
Inquiries last 6m:
| 0 | Employment status: | Other |
|
Now delinquent:
| 0 |
Current / open credit lines:
| 8
/
7 | Length of status: | 24y 6m |
|
Amount delinquent:
| $0 |
Total credit lines:
| 20 |
Occupation: | Other |
|
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $3,185 | Stated income: | $1-$24,999 |
|
Delinquencies in last 7y:
| 5 |
Bankcard utilization:
| 0% | | |
| | |
Homeownership:
| No | | |
|
Screen name:
| auction-tranquility2 |
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 All Bill Have Secure Income
Purpose of loan:
This loan will be used to pay off all my bills.? Not many but one payment is my goal.
My financial situation:
I am a good candidate for this loan because my income is 100% reliable and unlimited.
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
476937
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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:
| 3.5% | | |
| | | |
|
|
Starting lender yield:
| 10.15% |
Starting borrower rate/APR:
| 11.15% / 13.27% |
Starting monthly payment:
| $328.10 |
| |
|
Auction yield range:
| 3.79% - 10.15% |
Estimated loss impact:
| 3.53% | | |
|
Lender servicing fee:
| 1.00% |
Estimated return:
| 6.62% | | |
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 score (1-10):
| 9 |
First credit line:
| May-2001 |
Debt/Income ratio:
| 29% |
|
Credit score:
| 740-759 (Sep-2010) |
Inquiries last 6m:
| 0 | Employment status: | Employed |
|
Now delinquent:
| 0 |
Current / open credit lines:
| 12
/
12 | Length of status: | 2y 7m |
|
Amount delinquent:
| $0 |
Total credit lines:
| 21 |
Occupation: | Engineer - Mechanic... |
|
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $1,725 | Stated income: | $50,000-$74,999 |
|
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 3% | | |
| | |
Homeownership:
| No | | |
|
Screen name:
| top-friendly-payment |
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
FINISHING A HOT ROD
Purpose of loan:
I will use the funds to complete a project that my father and I started working on 3 years ago.? My dad retired after 22 years in the US Army and this?has been?our way of spending some time together.? During his time in service, my dad, was deployed quite a bit and I didn't see him very much.? My plan is to complete this project for next years show circuit, where him and I can attend the many shows in the Central Texas Area.? I am currently working as a Mechanical engineer and am very capable of repaying a loan in a timely manner.
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
476941
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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:
| 10.8% | | |
| | | |
|
|
Starting lender yield:
| 26.50% |
Starting borrower rate/APR:
| 27.50% / 31.05% |
Starting monthly payment:
| $287.66 |
| |
|
Auction yield range:
| 10.79% - 26.50% |
Estimated loss impact:
| 11.46% | | |
|
Lender servicing fee:
| 1.00% |
Estimated return:
| 15.04% | | |
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
|
Prosper score (1-10):
| 8 |
First credit line:
| Apr-1993 |
Debt/Income ratio:
| 16% |
|
Credit score:
| 660-679 (Sep-2010) |
Inquiries last 6m:
| 2 | Employment status: | Employed |
|
Now delinquent:
| 5 |
Current / open credit lines:
| 9
/
7 | Length of status: | 11y 4m |
|
Amount delinquent:
| $251 |
Total credit lines:
| 26 |
Occupation: | Administrative Assi... |
|
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $6,450 | Stated income: | $50,000-$74,999 |
|
Delinquencies in last 7y:
| 5 |
Bankcard utilization:
| 16% | | |
| | |
Homeownership:
| No | | |
|
Screen name:
| wonderous-kindness2 |
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
Need one monthly bill
Purpose of loan:
Consolidate debt to one payment
My financial situation:
I am a good candidate for this loan because?
I was burned by my ex-wife and now trying to recover and get my head above water.
Monthly net income: $5000
Monthly expenses: $
??Housing: $
??Insurance: $99
??Car expenses: $286
??Utilities: $100
??Phone, cable, internet: $0
??Food, entertainment: $50
??Clothing, household expenses $100
??Credit cards and other loans: $200
??Other expenses: $0
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
476943
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
|
Amount:
| $1,000.00 |
Prosper Rating:
| D |
Auction Duration:
| 7 days
|
|
Term:
| 36 months |
Estimated loss:
| 10.8% | | |
| | | |
|
|
Starting lender yield:
| 10.86% |
Starting borrower rate/APR:
| 11.86% / 17.37% |
Starting monthly payment:
| $33.15 |
| |
|
Auction yield range:
| 10.79% - 10.86% |
Estimated loss impact:
| 11.03% | | |
|
Lender servicing fee:
| 1.00% |
Estimated return:
| -0.17% | | |
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 score (1-10):
| 5 |
First credit line:
| Jan-2000 |
Debt/Income ratio:
| 9% |
|
Credit score:
| 740-759 (Sep-2010) |
Inquiries last 6m:
| 0 | Employment status: | Employed |
|
Now delinquent:
| 0 |
Current / open credit lines:
| 4
/
3 | Length of status: | 1y 11m |
|
Amount delinquent:
| $0 |
Total credit lines:
| 6 |
Occupation: | Other |
|
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $459 | Stated income: | $1-$24,999 |
|
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 99% | | |
| | |
Homeownership:
| Yes | | |
|
Screen name:
| heroic-penny670 |
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
Interior Improvements
Purpose of loan:
This loan will be used to make interior improvements of my home.
My financial situation:
I am a good candidate for this loan because I pay my bills on time. I am also a full time employee.
Monthly net income: $ 1702.20
Monthly expenses: $
??Housing: $ 239.81
??Insurance: $?100.
??Car expenses: $?80.
??Utilities: $?110.
??Phone, cable, internet: $?55.
??Food, entertainment: $ 220.
??Clothing, household expenses $
??Credit cards and other loans: $?35.
??Other expenses: $ 25.
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
476955
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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:
| 14.2% | | |
| | | |
|
|
Starting lender yield:
| 13.79% |
Starting borrower rate/APR:
| 14.79% / 18.08% |
Starting monthly payment:
| $86.41 |
| |
|
Auction yield range:
| 13.79% - 13.79% |
Estimated loss impact:
| 14.79% | | |
|
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 score (1-10):
| 5 |
First credit line:
| Sep-1998 |
Debt/Income ratio:
| 26% |
|
Credit score:
| 700-719 (Sep-2010) |
Inquiries last 6m:
| 1 | Employment status: | Employed |
|
Now delinquent:
| 0 |
Current / open credit lines:
| 12
/
10 | Length of status: | 3y 7m |
|
Amount delinquent:
| $0 |
Total credit lines:
| 25 |
Occupation: | Medical Technician |
|
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $11,820 | Stated income: | $25,000-$49,999 |
|
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 37% | | |
| | |
Homeownership:
| No | | |
|
Screen name:
| worth-excellency4 |
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 Wedding Expenses
Purpose of loan:
This loan will be used to pay my father-in-law back the amount of money that my wife and I spent over our wedding budget. We were married last week (9/17/2010) Budget was $10,000 and we spent $12,500. He has paid for all expenses in full however, I would like to pay him the $2,500 as soon as possible.
My financial situation:
I am a good candidate for this loan because I have a very secure income while working as a?healthcare professional. I do have a little credit card debt, but I have never been late on any payments, nor have I ever missed a payment. I promise to the lender that chooses to help me out, that I will make ever single payment on time and you will be happy to have lend me the money.
Monthly net income: $
$5,000 (includes spouse income)
Monthly expenses: $
??Housing: $ 1275
??Insurance: $ 80
??Car expenses: $ 400
??Utilities: $ Included in rent
??Phone, cable, internet: $ 160
??Food, entertainment: $ 450
??Clothing, household expenses $ 100
??Credit cards and other loans: $ 600
??Other expenses: $ 100
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
476971
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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:
| 18.3% | | |
| | | |
|
|
Starting lender yield:
| 17.00% |
Starting borrower rate/APR:
| 18.00% / 21.35% |
Starting monthly payment:
| $271.14 |
| |
|
Auction yield range:
| 16.79% - 17.00% |
Estimated loss impact:
| 19.24% | | |
|
Lender servicing fee:
| 1.00% |
Estimated return:
| -2.24% | | |
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
|
Prosper score (1-10):
| 5 |
First credit line:
| Jun-1999 |
Debt/Income ratio:
| 23% |
|
Credit score:
| 640-659 (Sep-2010) |
Inquiries last 6m:
| 0 | Employment status: | Employed |
|
Now delinquent:
| 1 |
Current / open credit lines:
| 4
/
4 | Length of status: | 2y 5m |
|
Amount delinquent:
| $6 |
Total credit lines:
| 10 |
Occupation: | Sales - Retail |
|
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $15,675 | Stated income: | $50,000-$74,999 |
|
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 92% | | |
| | |
Homeownership:
| No | | |
|
Screen name:
| gain-kayak |
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 Consolidation
Purpose of the loan:
This loan will be used to pay down my high interest credit cards and give me leverage to lower the rates on any existing balances. I have been a very responsible borrower in the past but due to high balances my credit score has taken a hit. I would much rather pay interest to an investor than?greedy credit card companies that have raised rates in difficult economic times. If I can improve my credit score, pay down balances, and help out a non-traditional investor in the process then it's all the better!
About me:
I work at a bank and brokerage firm with stable and?verifiable income of $72,000. I have been working at?the same company?for approximately 2 1/2 years and have no plans on making any changes to my career path. I have also worked for the banking industry for 8+ years and have had a solid history of similar income and stability.
My Credit History:
As can be seen there have been very few negative events in my credit history. The primary factor that has lowered my credit score is a high balance on two cards (high utilization of revolving credit), thus the purpose for this loan. In terms of negative events I?have only had?a partially unpaid parking ticket for $6 show up on my credit report (unexpectedly) in 2005, and a 30 day late pay from 2004 on one credit card (due to moving circumstances), but other than that I have never missed a payment.
Conclusion:
I am a responsible borrower looking for a non-traditional way of improving my score and paying down my revolving credit balances. I have a stable job, stable income, and stable life. I would appreciate the opportunity to pay someone other than credit card companies to complete my objective. Please let me know if you have any questions. Thank you!
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
476973
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
|
Amount:
| $5,500.00 |
Prosper Rating:
| HR |
Auction Duration:
| 7 days
|
|
Term:
| 36 months |
Estimated loss:
| 18.3% | | |
| | | |
|
|
Starting lender yield:
| 34.00% |
Starting borrower rate/APR:
| 35.00% / 38.72% |
Starting monthly payment:
| $248.80 |
| |
|
Auction yield range:
| 16.79% - 34.00% |
Estimated loss impact:
| 20.31% | | |
|
Lender servicing fee:
| 1.00% |
Estimated return:
| 13.69% | | |
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 score (1-10):
| 4 |
First credit line:
| Feb-2006 |
Debt/Income ratio:
| Not calculated |
|
Credit score:
| 640-659 (Sep-2010) |
Inquiries last 6m:
| 1 | Employment status: | Employed |
|
Now delinquent:
| 0 |
Current / open credit lines:
| 7
/
7 | Length of status: | 0y 3m |
|
Amount delinquent:
| $0 |
Total credit lines:
| 12 |
Occupation: | Other |
|
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $4,517 | Stated income: | $50,000-$74,999 |
|
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 74% | | |
| | |
Homeownership:
| No | | |
|
Screen name:
| commerce-triumph |
Borrower's state:
| Pennsylvania |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Description
Need a short term loan
I need a short term loan to fix my car until I get my bonus check in December. I certainly don't consider myself "HR" .. I have always paid all my bills and without any issues. If you have ANY questions please ask, and I would be glad to answer them.
Gross montly income $3100
Rent including cable and utilitys $475
Car payment and insurance $500
Food and entertainment $500
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
476979
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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:
| 6.0% | | |
| | | |
|
|
Starting lender yield:
| 14.15% |
Starting borrower rate/APR:
| 15.15% / 17.32% |
Starting monthly payment:
| $521.08 |
| |
|
Auction yield range:
| 5.79% - 14.15% |
Estimated loss impact:
| 6.19% | | |
|
Lender servicing fee:
| 1.00% |
Estimated return:
| 7.96% | | |
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 score (1-10):
| 8 |
First credit line:
| Mar-1985 |
Debt/Income ratio:
| 21% |
|
Credit score:
| 800-819 (Sep-2010) |
Inquiries last 6m:
| 1 | Employment status: | Employed |
|
Now delinquent:
| 0 |
Current / open credit lines:
| 8
/
8 | Length of status: | 0y 7m |
|
Amount delinquent:
| $0 |
Total credit lines:
| 18 |
Occupation: | Other |
|
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $14,085 | Stated income: | $50,000-$74,999 |
|
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 57% | | |
| | |
Homeownership:
| Yes | | |
|
Screen name:
| camaraderi-utensil0 |
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 credit cards
Purpose of loan:
This loan will be used to pay off high credit card balances.
My financial situation:
I am a good candidate for this loan because I have a very stable job an have never missed any payments. I got in a little deep because off a reduction in pay at my previous employer off 20%. I am now back up to an acceptable rate of pay and need to consolidate my bills and get debt free.
Monthly net income: $ 4290
Monthly expenses: $
??Housing: $
1750 ????
??Insurance: $
125
??Car expenses: $
200
??Utilities: $
242
??Phone, cable, internet: $
200
??Food, entertainment: $
900
??Clothing, household expenses $
150
??Credit cards and other loans: $
900
??Other expenses: $
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
476983
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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:
| 10.8% | | |
| | | |
|
|
Starting lender yield:
| 26.50% |
Starting borrower rate/APR:
| 27.50% / 31.05% |
Starting monthly payment:
| $616.41 |
| |
|
Auction yield range:
| 10.79% - 26.50% |
Estimated loss impact:
| 11.46% | | |
|
Lender servicing fee:
| 1.00% |
Estimated return:
| 15.04% | | |
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
|
Prosper score (1-10):
| 6 |
First credit line:
| Sep-1999 |
Debt/Income ratio:
| 40% |
|
Credit score:
| 760-779 (Sep-2010) |
Inquiries last 6m:
| 0 | Employment status: | Employed |
|
Now delinquent:
| 0 |
Current / open credit lines:
| 7
/
6 | Length of status: | 8y 0m |
|
Amount delinquent:
| $0 |
Total credit lines:
| 17 |
Occupation: | Truck Driver |
|
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $35,149 | Stated income: | $50,000-$74,999 |
|
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 74% | | |
| | |
Homeownership:
| Yes | | |
|
Screen name:
| smart-worth2 |
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
Start Up Business- relisted c notes
Purpose of loan:
Start a Business?
My financial situation:
I am a good candidate for this loan because the loan will help to start a family business and will?put my wife to work bringing in more household?income. I always pay my bills on time. We were already 100% funded for this loan but prosper made us cancel it because I could not include my wifes child support or my wifes income. We are fully capable of paying this loan! Also, the debt to income is not as bad as it shows . One of the accounts on my credit report is not mine it is my ex wifes and she pays on time every month as you can see from my credit report of no deliquencies. ALS0 I just paid off 11,000.00 worth of credit card debt that has not hit the credit report yet!!!!!
Monthly net income: $ 5,333.00
Monthly expenses: $
??Housing: $ 1750
??Insurance: $ 100
??Car expenses: $ 200
??Utilities: $ 200
??Phone, cable, internet: $120?
? Food, entertainment: $400
??Clothing, household expenses $
??Credit cards and other loans: $?300
??Other expenses: $
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
477001
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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:
| 14.2% | | |
| | | |
|
|
Starting lender yield:
| 33.35% |
Starting borrower rate/APR:
| 34.35% / 38.49% |
Starting monthly payment:
| $67.30 |
| |
|
Auction yield range:
| 13.79% - 33.35% |
Estimated loss impact:
| 15.74% | | |
|
Lender servicing fee:
| 1.00% |
Estimated return:
| 17.61% | | |
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
|
Prosper score (1-10):
| 6 |
First credit line:
| Jan-1999 |
Debt/Income ratio:
| 14% |
|
Credit score:
| 640-659 (Sep-2010) |
Inquiries last 6m:
| 3 | Employment status: | Employed |
|
Now delinquent:
| 0 |
Current / open credit lines:
| 11
/
8 | Length of status: | 12y 2m |
|
Amount delinquent:
| $0 |
Total credit lines:
| 24 |
Occupation: | Retail Management |
|
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $11,228 | Stated income: | $25,000-$49,999 |
|
Delinquencies in last 7y:
| 1 |
Bankcard utilization:
| 69% | | |
| | |
Homeownership:
| No | | |
|
Screen name:
| a-fund-meteor |
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 for school
Purpose of loan:
This loan will be used to? THe purpose is to pay for my college education
My financial situation:
I am a good candidate for this loan because? I pay all my bills on time and work hard for my money
Monthly net income: $ 2900
Monthly expenses: $
??Housing: $ 0
??Insurance: $ 83.50
??Car expenses: $
??Utilities: $ 0
??Phone, cable, internet: $ 0Food, entertainment: $
??Clothing, household expenses $ 0
??Credit cards and other loans: $ 12,000
??Other expenses: $ softball
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
477009
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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:
| 24.0% | | |
| | | |
|
|
Starting lender yield:
| 27.25% |
Starting borrower rate/APR:
| 28.25% / 31.82% |
Starting monthly payment:
| $311.24 |
| |
|
Auction yield range:
| 16.79% - 27.25% |
Estimated loss impact:
| 25.58% | | |
|
Lender servicing fee:
| 1.00% |
Estimated return:
| 1.67% | | |
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
|
Prosper score (1-10):
| 3 |
First credit line:
| Feb-1995 |
Debt/Income ratio:
| 15% |
|
Credit score:
| 660-679 (Sep-2010) |
Inquiries last 6m:
| 5 | Employment status: | Employed |
|
Now delinquent:
| 0 |
Current / open credit lines:
| 5
/
5 | Length of status: | 13y 4m |
|
Amount delinquent:
| $0 |
Total credit lines:
| 25 |
Occupation: | Police Officer/Corr... |
|
Public records last 12m / 10y:
| 0/ 1 |
Revolving credit balance:
| $21,181 | Stated income: | $50,000-$74,999 |
|
Delinquencies in last 7y:
| 1 |
Bankcard utilization:
| 96% | | |
| | |
Homeownership:
| Yes | | |
|
Screen name:
| rudychacon |
Borrower's state:
| Utah |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
| Loan history | Payment history | Credit score history |
|
Active / total loans:
| 0 / 2 |
On-time:
| 30 ( 81% )
| 660-679 (Latest)
|
|
Principal borrowed:
| $11,000.00 | < 31 days late:
| 4
( 11% )
| 640-659
(Feb-2008)
620-639
(Dec-2007)
620-639
(May-2007)
|
|
Principal balance:
| $0.00 |
31+ days late:
| 3
( 8% )
|
|
Total payments billed:
| 37 | | |
Description
Business expansion
Purpose of loan:
This loan will be used?to?ourchase new equipment for my screen printing company.????
My financial situation:
I am a good candidate for this loan because I have made improvements to my financial situation every year.?
Monthly net income: $4,400.00
Monthly expenses: $3362.00
??Housing: $1155.00
???Insurance: $97.00
??Car expenses: $360.00
??Utilities: $175.00
??Phone, cable, internet: $115.00
??Food, entertainment: $475.00
??Clothing, household expenses $80.00
??Credit cards and other loans: $205.00
??Other expenses: $700.00 (child support)?
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
477015
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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:
| 18.3% | | |
| | | |
|
|
Starting lender yield:
| 34.00% |
Starting borrower rate/APR:
| 35.00% / 38.72% |
Starting monthly payment:
| $226.18 |
| |
|
Auction yield range:
| 16.79% - 34.00% |
Estimated loss impact:
| 20.31% | | |
|
Lender servicing fee:
| 1.00% |
Estimated return:
| 13.69% | | |
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 score (1-10):
| 5 |
First credit line:
| May-1995 |
Debt/Income ratio:
| 42% |
|
Credit score:
| 640-659 (Sep-2010) |
Inquiries last 6m:
| 0 | Employment status: | Other |
|
Now delinquent:
| 0 |
Current / open credit lines:
| 15
/
15 | Length of status: | 9y 8m |
|
Amount delinquent:
| $0 |
Total credit lines:
| 29 | Stated income: | $50,000-$74,999 |
|
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $46,364 | |
|
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 79% | | |
| | |
Homeownership:
| Yes | | |
|
Screen name:
| point-fuse |
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 my taxes
Purpose of loan:
This loan will be used to? Pay my taxes
My financial situation:
I am a good candidate for this loan because? I pay all my bills on time and?I am trustworthy
Monthly net income: $ 4390????
Monthly expenses: $
??Housing: $ 1294????
??Insurance: $ 400
??Car expenses: $?200??Utilities: $ 100
??Phone, cable, internet: $ 217
??Food, entertainment: $ 250
??Clothing, household expenses $ 100
??Credit cards and other loans: $ 3000
??Other expenses: $ 0
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
477017
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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:
| 36.6% | | |
| | | |
|
|
Starting lender yield:
| 34.00% |
Starting borrower rate/APR:
| 35.00% / 39.15% |
Starting monthly payment:
| $67.85 |
| |
|
Auction yield range:
| 16.79% - 34.00% |
Estimated loss impact:
| 38.61% | | |
|
Lender servicing fee:
| 1.00% |
Estimated return:
| -4.61% | | |
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
|
Prosper score (1-10):
| 1 |
First credit line:
| Dec-1998 |
Debt/Income ratio:
| 50% |
|
Credit score:
| 660-679 (Sep-2010) |
Inquiries last 6m:
| 6 | Employment status: | Employed |
|
Now delinquent:
| 0 |
Current / open credit lines:
| 17
/
12 | Length of status: | 1y 1m |
|
Amount delinquent:
| $0 |
Total credit lines:
| 24 |
Occupation: | Retail Management |
|
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $15,445 | Stated income: | $25,000-$49,999 |
|
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 98% | | |
| | |
Homeownership:
| Yes | | |
|
Screen name:
| leverage-bear2 |
Borrower's state:
| California |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Description
Pay off a credit card
Purpose of loan:
This loan will be used to?to pay off a cash call loan that i took out to help?pay medical?while wife was hospitalized The payment on this is 298.50 a month for 36 months. I want to be able to get a lower rate so that i can lower my payment.?im currently paying too high of an apr
My financial situation:
I am a good candidate for this loan because? I have paid all my financial obligations on time and have never been late. The loan will be repaid as you can see from my excellent payment history regarding all my accounts.
Monthly net income: $ 4350
Monthly expenses: $4250
??Housing: $ 1630
??Insurance: $ 178
??Car expenses: $ 692
??Utilities: $300?
??Phone, cable, internet: $ 250
??Food, entertainment: $ 300
??Clothing, household expenses $100
??Credit cards and other loans: $ 800
??Other expenses: $
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
477021
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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:
| AA |
Auction Duration:
| 7 days
|
|
Term:
| 36 months |
Estimated loss:
| 1.6% | | |
| | | |
|
|
Starting lender yield:
| 7.25% |
Starting borrower rate/APR:
| 8.25% / 8.59% |
Starting monthly payment:
| $786.30 |
| |
|
Auction yield range:
| 2.79% - 7.25% |
Estimated loss impact:
| 1.55% | | |
|
Lender servicing fee:
| 1.00% |
Estimated return:
| 5.70% | | |
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 score (1-10):
| 10 |
First credit line:
| Aug-1976 |
Debt/Income ratio:
| 10% |
|
Credit score:
| 740-759 (Sep-2010) |
Inquiries last 6m:
| 0 | Employment status: | Employed |
|
Now delinquent:
| 0 |
Current / open credit lines:
| 12
/
9 | Length of status: | 5y 2m |
|
Amount delinquent:
| $0 |
Total credit lines:
| 20 |
Occupation: | Principal |
|
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $4,122 | Stated income: | $100,000+ |
|
Delinquencies in last 7y:
| 1 |
Bankcard utilization:
| 5% | | |
| | |
Homeownership:
| No | | |
|
Screen name:
| market-steward |
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
Finance POs from major retailers
Our Company has been in business over 5 years, and profitable for 3+ years. We have product in over 75,000 retail stores including Walmart, Best Buy, Wagreens, Staples, and 45 others. We just launched a new line of products and orders are exceeding our present ability to manufacture. We would like to finance these purchase orders. Revenues in 2009 were $1.6M and we expect to see revenues reach $2.0M+ this year. First purchase was $105,000 from major video chain and new POs arriving weekly. Stable growing business limited only by our ability to access capital for inventory, has a cost of goods of 45%, and fixed overhead under $60,000 a month.
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
477023
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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:
| 18.3% | | |
| | | |
|
|
Starting lender yield:
| 34.00% |
Starting borrower rate/APR:
| 35.00% / 38.72% |
Starting monthly payment:
| $158.33 |
| |
|
Auction yield range:
| 16.79% - 34.00% |
Estimated loss impact:
| 20.31% | | |
|
Lender servicing fee:
| 1.00% |
Estimated return:
| 13.69% | | |
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 score (1-10):
| 4 |
First credit line:
| Jan-1999 |
Debt/Income ratio:
| Not calculated |
|
Credit score:
| 640-659 (Sep-2010) |
Inquiries last 6m:
| 2 | Employment status: | Not employed |
|
Now delinquent:
| 0 |
Current / open credit lines:
| 14
/
13 | Length of status: | 4y 8m |
|
Amount delinquent:
| $0 |
Total credit lines:
| 21 | Stated income: | Not employed |
|
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $32,754 | |
|
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 75% | | |
| | |
Homeownership:
| No | | |
|
Screen name:
| bold-priceless-currency |
Borrower's state:
| Wisconsin |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Description
My loan for debt consolidation
Purpose of loan:
This loan will be used to pay off a store credit cards and my maternity bill. I've been a full-time marketing student for the past 4 years. My student loans will start kicking-in in Dec 2010. I want to get these out of the way so I can focus on my student loans.
My financial situation:
I am a good candidate for this loan because my husband has a steady job, which he has had for 7 years. Next year he receives a bonus that makes me able to pay this off pretty soon. I just started a full tine job at a clothing boutique, which will help with payments. I know that I'm HR for this loan but I'm honest and hard working. Thanks for your consideration.
Our monthly bills include
Monthly net income: $ 4500
Monthly expenses: $
??Housing: $
680
??Insurance: $
270
??Car expenses: $
640
??Utilities: $
240
??Phone, cable, internet: $
180
??Food, entertainment: $ 580
??Clothing, household expenses $ 100
??Credit cards and other loans: $
600
??Other expenses: $
320
Thank You.
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
477027
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
|
Amount:
| $5,000.00 |
Prosper Rating:
| E |
Auction Duration:
| 7 days
|
|
Term:
| 36 months |
Estimated loss:
| 14.2% | | |
| | | |
|
|
Starting lender yield:
| 33.35% |
Starting borrower rate/APR:
| 34.35% / 38.06% |
Starting monthly payment:
| $224.34 |
| |
|
Auction yield range:
| 13.79% - 33.35% |
Estimated loss impact:
| 15.74% | | |
|
Lender servicing fee:
| 1.00% |
Estimated return:
| 17.61% | | |
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
|
Prosper score (1-10):
| 5 |
First credit line:
| Oct-1997 |
Debt/Income ratio:
| 30% |
|
Credit score:
| 720-739 (Sep-2010) |
Inquiries last 6m:
| 0 | Employment status: | Employed |
|
Now delinquent:
| 0 |
Current / open credit lines:
| 19
/
18 | Length of status: | 3y 1m |
|
Amount delinquent:
| $0 |
Total credit lines:
| 46 |
Occupation: | Engineer - Mechanic... |
|
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $16,483 | Stated income: | $100,000+ |
|
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 86% | | |
| | |
Homeownership:
| Yes | | |
|
Screen name:
| loot-samaritan |
Borrower's state:
| Florida |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Description
Wedding
Purpose of loan:
This loan will be used to fund my wedding.
My financial situation:
I am a good candidate for this loan because I have NEVER been delinquent on a credit payment. I have great credit. My debt ratio was due to using my savings and cards to expand my Engineering firm this year. Please help us with the funding for our wedding. We will love you forever for it:)
Monthly net income: $ 7500.00
Monthly expenses: $5150.00
??Housing: $1000
??Insurance: $150
??Car expenses: $500
??Utilities: $500
??Phone, cable, internet: $0
??Food, entertainment: $500
??Clothing, household expenses $500
??Credit cards and other loans: $1000
??Other expenses(investments): $1000
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
477029
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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:
| 18.3% | | |
| | | |
|
|
Starting lender yield:
| 19.00% |
Starting borrower rate/APR:
| 20.00% / 23.39% |
Starting monthly payment:
| $278.73 |
| |
|
Auction yield range:
| 16.79% - 19.00% |
Estimated loss impact:
| 19.36% | | |
|
Lender servicing fee:
| 1.00% |
Estimated return:
| -0.36% | | |
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
|
Prosper score (1-10):
| 4 |
First credit line:
| May-2001 |
Debt/Income ratio:
| 18% |
|
Credit score:
| 700-719 (Aug-2010) |
Inquiries last 6m:
| 0 | Employment status: | Employed |
|
Now delinquent:
| 0 |
Current / open credit lines:
| 3
/
3 | Length of status: | 18y 1m |
|
Amount delinquent:
| $0 |
Total credit lines:
| 8 |
Occupation: | Sales - Commission |
|
Public records last 12m / 10y:
| 0/ 1 |
Revolving credit balance:
| $0 | Stated income: | $50,000-$74,999 |
|
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 0% | | |
| | |
Homeownership:
| Yes | | |
|
Screen name:
| CarlosCespedes |
Borrower's state:
| Florida |
Borrower's group:
| Global Group - Fast Same Day Approval - |
Credit and homeownership information was obtained 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:
| 31 ( 100% )
| 700-719 (Latest)
|
|
Principal borrowed:
| $3,500.00 | < 31 days late:
| 0
( 0% )
| 700-719
(Jul-2010)
700-719
(Jun-2010)
720-739
(Apr-2010)
720-739
(Feb-2010)
|
|
Principal balance:
| $769.98 |
31+ days late:
| 0
( 0% )
|
|
Total payments billed:
| 31 | | |
Description
home improvement
???? I Have room? that need improvements and I can rent it out for 450 monthly? I will renovated and make it top of the line .I got guests coming
year round. this is a great central location.I will appreciate your help. Thanks in advance.I am a lender in Prosper with more than 45 notes.
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
477031
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
|
Amount:
| $1,700.00 |
Prosper Rating:
| HR |
Auction Duration:
| 7 days
|
|
Term:
| 36 months |
Estimated loss:
| 36.6% | | |
| | | |
|
|
Starting lender yield:
| 34.00% |
Starting borrower rate/APR:
| 35.00% / 38.72% |
Starting monthly payment:
| $76.90 |
| |
|
Auction yield range:
| 16.79% - 34.00% |
Estimated loss impact:
| 38.61% | | |
|
Lender servicing fee:
| 1.00% |
Estimated return:
| -4.61% | | |
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
|
Prosper score (1-10):
| 1 |
First credit line:
| Mar-1979 |
Debt/Income ratio:
| Self-employed (DTI Not Calculated) |
|
Credit score:
| 680-699 (Sep-2010) |
Inquiries last 6m:
| 0 | Employment status: | Self-employed |
|
Now delinquent:
| 0 |
Current / open credit lines:
| 1
/
1 | Length of status: | 15y 7m |
|
Amount delinquent:
| $0 |
Total credit lines:
| 3 |
Occupation: | Principal |
|
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $0 | Stated income: | $50,000-$74,999 |
|
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 0% | | |
| | |
Homeownership:
| No | | |
|
Screen name:
| valuehunter50 |
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:
| 30 ( 100% )
| 680-699 (Latest)
|
|
Principal borrowed:
| $15,000.00 | < 31 days late:
| 0
( 0% )
| 700-719
(Jul-2010)
660-679
(Feb-2008)
|
|
Principal balance:
| $3,216.18 |
31+ days late:
| 0
( 0% )
|
|
Total payments billed:
| 30 | | |
Description
Upgrading office monitors
Purpose of loan:
This loan will be used to replace existing older CRT monitors with?wider more?energy efficient flat-screen dual monitors needed for?our new trading platform.??
My financial situation:
I am a good candidate for this loan because my credit history is good and much better than the HR rating indicated by Prosper.? My existing loan with Prosper is current with no missed or late payments in the 30 months since inception.?Final payment on existing loan is March 2011.? Although?my starting bid-rate?is high, it will be less expensive than borrowing from IRA?(excise and income taxes).??????
Monthly net income: $4-5000 is my average monthly net.? This includes income from research services, trading activity and quarterly fees for actively managed portfolios.??
Monthly expenses: $ 3,960
??Housing: $ 1,500
??Insurance: $ 460?
??Car expenses: $?250?
??Utilities: $ 100
??Phone, cable, internet: $ 150
??Food, entertainment: $ 400
??Clothing, household expenses $ 200
??Credit cards and other loans: $ 700
??Other expenses: $ 200
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
477033
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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:
| 18.3% | | |
| | | |
|
|
Starting lender yield:
| 34.00% |
Starting borrower rate/APR:
| 35.00% / 38.72% |
Starting monthly payment:
| $226.18 |
| |
|
Auction yield range:
| 16.79% - 34.00% |
Estimated loss impact:
| 20.31% | | |
|
Lender servicing fee:
| 1.00% |
Estimated return:
| 13.69% | | |
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 score (1-10):
| 4 |
First credit line:
| Jan-1998 |
Debt/Income ratio:
| 48% |
|
Credit score:
| 660-679 (Sep-2010) |
Inquiries last 6m:
| 0 | Employment status: | Employed |
|
Now delinquent:
| 0 |
Current / open credit lines:
| 7
/
6 | Length of status: | 16y 4m |
|
Amount delinquent:
| $0 |
Total credit lines:
| 19 |
Occupation: | Retail Management |
|
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $19,506 | Stated income: | $25,000-$49,999 |
|
Delinquencies in last 7y:
| 1 |
Bankcard utilization:
| 100% | | |
| | |
Homeownership:
| No | | |
|
Screen name:
| worth-pal4 |
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 my loans and some bills
Purpose of loan:
This loan will be used to consolidate these little loans that I have spread out through out the month into one payment and pay my lawyer fee of 2750. The two loans are? 762 and 1040. This loan will help me have just one payment instead of 3 payments. I just need a fresh start, I hope someone will give me a chance. Thank you to anyone willing to help me out.
My financial situation:
I am a good candidate for this loan because have a decent credit history and I work hard for my money. I just have some loans and my divorce that is kinda messing me up right now. If I get this loan I will have at least $500 to put towards this loan.
Monthly net income: $
2300
Monthly expenses: $
??Housing: $
350
??Insurance: $ 120
??Car expenses: $500
??Utilities: $
included in my rent
??Phone, cable, internet: $
100
??Food, entertainment: $ 50
??Clothing, household expenses $
50
??Credit cards and other loans: $
610
??Other expenses: $
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
477035
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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:
| 36.6% | | |
| | | |
|
|
Starting lender yield:
| 34.00% |
Starting borrower rate/APR:
| 35.00% / 38.72% |
Starting monthly payment:
| $226.18 |
| |
|
Auction yield range:
| 16.79% - 34.00% |
Estimated loss impact:
| 38.61% | | |
|
Lender servicing fee:
| 1.00% |
Estimated return:
| -4.61% | | |
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
|
Prosper score (1-10):
| 1 |
First credit line:
| Aug-1990 |
Debt/Income ratio:
| Self-employed (DTI Not Calculated) |
|
Credit score:
| 700-719 (Sep-2010) |
Inquiries last 6m:
| 4 | Employment status: | Self-employed |
|
Now delinquent:
| 0 |
Current / open credit lines:
| 12
/
12 | Length of status: | 12y 1m |
|
Amount delinquent:
| $0 |
Total credit lines:
| 28 |
Occupation: | Attorney |
|
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $182,899 | Stated income: | $100,000+ |
|
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 97% | | |
| | |
Homeownership:
| Yes | | |
|
Screen name:
| bold-respectful-p2ploan |
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
Betting on the Micro-Preemie
Yes,?Dear Lenders, my?debt load?is relatively high and for a good reason.? After a very challenging last two and half years,?my wife and I?have?finally worked through?our?son's medical issues.? He was born at 25 weeks and, being a ?micro-preemie?, it has taken a staggering amount of money and time (lost from work)?to get him to the healthy condition he now thankfully?is in.????
Blessed as we?are, having turned the corner on his health issues, I now finally?have more time?available to work and very soon stand to?earn significantly higher levels of income.???
You all can see from my credit reports that?I have never failed to pay a debt, not?in my entire life.? I am a professional with a house, wife, and young child and view as utterly unthinkable anything that would jeopardize my reputation in the legal community?and future creditworthiness.??
I am on the road to?a personal financial recovery.? In spite of the economy, I have plenty of cases to write and my clients and partners?are essentially competing to give me more cases and other legal matters to work on for them.? I will pay this loan off early.? Easy money and a high return?for you!? Thank you for your consideration.
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
477037
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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:
| 14.2% | | |
| | | |
|
|
Starting lender yield:
| 33.35% |
Starting borrower rate/APR:
| 34.35% / 38.06% |
Starting monthly payment:
| $179.48 |
| |
|
Auction yield range:
| 13.79% - 33.35% |
Estimated loss impact:
| 15.74% | | |
|
Lender servicing fee:
| 1.00% |
Estimated return:
| 17.61% | | |
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
|
Prosper score (1-10):
| 5 |
First credit line:
| Aug-1991 |
Debt/Income ratio:
| 43% |
|
Credit score:
| 700-719 (Sep-2010) |
Inquiries last 6m:
| 0 | Employment status: | Employed |
|
Now delinquent:
| 0 |
Current / open credit lines:
| 9
/
7 | Length of status: | 15y 8m |
|
Amount delinquent:
| $0 |
Total credit lines:
| 47 |
Occupation: | Scientist |
|
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $48,954 | Stated income: | $75,000-$99,999 |
|
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 91% | | |
| | |
Homeownership:
| Yes | | |
|
Screen name:
| soulful-euro0 |
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
Help! I need a loan for my fall sem
My financial situation:
I am a good candidate for this loan because as you can see I pay my bills. Always, and on time. This loan is for my last semester of school. I'll have my MBA. Graduation isn't until May! (Insert a sad face here!)
Monthly net income: $ 5500
Monthly expenses: $?3300
??Housing $900
??Insurance: $100
??Car expenses: $100
??Utilities: $200
??Phone, cable, internet: $150
??Food, entertainment: $450
??Clothing, household expenses $200
??Credit cards and other loans: $1100
??Other expenses: $100
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
477047
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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:
| B |
Auction Duration:
| 7 days
|
|
Term:
| 36 months |
Estimated loss:
| 6.0% | | |
| | | |
|
|
Starting lender yield:
| 14.15% |
Starting borrower rate/APR:
| 15.15% / 17.32% |
Starting monthly payment:
| $191.06 |
| |
|
Auction yield range:
| 5.79% - 14.15% |
Estimated loss impact:
| 6.19% | | |
|
Lender servicing fee:
| 1.00% |
Estimated return:
| 7.96% | | |
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 score (1-10):
| 8 |
First credit line:
| Jan-2003 |
Debt/Income ratio:
| 11% |
|
Credit score:
| 720-739 (Sep-2010) |
Inquiries last 6m:
| 1 | Employment status: | Employed |
|
Now delinquent:
| 0 |
Current / open credit lines:
| 5
/
4 | Length of status: | 0y 4m |
|
Amount delinquent:
| $0 |
Total credit lines:
| 7 |
Occupation: | Professional |
|
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $1,931 | Stated income: | $25,000-$49,999 |
|
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 50% | | |
| | |
Homeownership:
| No | | |
|
Screen name:
| soulful-capital |
Borrower's state:
| NorthCarolina |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Description
Buying an engagement ring
Purpose of loan:
This loan will be used to?
buy an engagement ring for my girlfriend of 5 years.
My financial situation:
I am a good candidate for this loan because?
I am a person of integrity and have always been taught to honor your commitments.? I budget my income and have made sure that this expense will not be an issue.
Monthly net income: $
1800.00
Monthly expenses: $
??Housing: $ 0
??Insurance: $20
??Car expenses: $100
??Utilities: $ 0
??Phone, cable, internet: $90
??Food, entertainment: $ 300
??Clothing, household expenses $ 50
??Credit cards and other loans: $ 60
??Other expenses: $
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
477049
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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:
| 18.3% | | |
| | | |
|
|
Starting lender yield:
| 34.00% |
Starting borrower rate/APR:
| 35.00% / 38.72% |
Starting monthly payment:
| $226.18 |
| |
|
Auction yield range:
| 16.79% - 34.00% |
Estimated loss impact:
| 20.31% | | |
|
Lender servicing fee:
| 1.00% |
Estimated return:
| 13.69% | | |
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 score (1-10):
| 5 |
First credit line:
| Jun-2000 |
Debt/Income ratio:
| 17% |
|
Credit score:
| 640-659 (Sep-2010) |
Inquiries last 6m:
| 1 | Employment status: | Employed |
|
Now delinquent:
| 1 |
Current / open credit lines:
| 6
/
7 | Length of status: | 3y 5m |
|
Amount delinquent:
| $368 |
Total credit lines:
| 20 |
Occupation: | Executive |
|
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $8,549 | Stated income: | $50,000-$74,999 |
|
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 94% | | |
| | |
Homeownership:
| Yes | | |
|
Screen name:
| worthy-order8 |
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
Family consolidating 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
477057
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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:
| 10.8% | | |
| | | |
|
|
Starting lender yield:
| 10.79% |
Starting borrower rate/APR:
| 11.79% / 15.02% |
Starting monthly payment:
| $331.14 |
| |
|
Auction yield range:
| 10.79% - 10.79% |
Estimated loss impact:
| 11.02% | | |
|
Lender servicing fee:
| 1.00% |
Estimated return:
| -0.23% | | |
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
|
Prosper score (1-10):
| 5 |
First credit line:
| Nov-1993 |
Debt/Income ratio:
| 25% |
|
Credit score:
| 800-819 (Sep-2010) |
Inquiries last 6m:
| 2 | Employment status: | Employed |
|
Now delinquent:
| 1 |
Current / open credit lines:
| 13
/
12 | Length of status: | 13y 0m |
|
Amount delinquent:
| $237 |
Total credit lines:
| 38 |
Occupation: | Sales - Commission |
|
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $2,673 | Stated income: | $75,000-$99,999 |
|
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 2% | | |
| | |
Homeownership:
| Yes | | |
|
Screen name:
| benjamins-phase |
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
Cap to purchase investment property
Purpose of loan:
This loan will be used to purchase a property in Pennslyvania.? I have just recently formed a LLC and looking for my first property to invest in.? Part of the proceeds of the loan will go to payoff an $8300 401k loan balance that I have with my employer?so I can borrow against?my 401k?at 5 percent to obtain the remaining funds that I need to acquire property and fix.? Once property is completed, I will rent out for $500 per month.?
Ability to pay $331 per month:?? I just recently took a promotion at the company that I have been employed with for 13 years.? I have never missed a loan payment in my life.? My credit score is above 600 but below 700 because I have a large revolving credit availibility and 1 medical account in collection.
I like the fact that the loan is fixed and only for 3 years.? Once that period is over, I?will be able to self finance my real estate rental business as my income will increase in the next 3 to 5 years significantly.? I feel that the time to aquire properties in distress is now and if I wait a couple years to accumulate cash to invest, the real estate market pricing will not be as good as now.
Major expenses:? Mortgage $1258, Car Payment $226, Credit card pmt $406.? My breakeven expenses per month are around $3300.? I take home after taxes around $4500 per month.
I am choosing Prosper.com? to build credit history with this company.? I could always use credit card offers to finance this, however, I plan on requesting larger loans in the future after paying this one off.
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
477063
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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:
| 10.8% | | |
| | | |
|
|
Starting lender yield:
| 13.00% |
Starting borrower rate/APR:
| 14.00% / 17.27% |
Starting monthly payment:
| $239.24 |
| |
|
Auction yield range:
| 10.79% - 13.00% |
Estimated loss impact:
| 11.08% | | |
|
Lender servicing fee:
| 1.00% |
Estimated return:
| 1.92% | | |
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
|
Prosper score (1-10):
| 7 |
First credit line:
| Jul-2007 |
Debt/Income ratio:
| 13% |
|
Credit score:
| 700-719 (Sep-2010) |
Inquiries last 6m:
| 0 | Employment status: | Employed |
|
Now delinquent:
| 0 |
Current / open credit lines:
| 2
/
2 | Length of status: | 0y 3m |
|
Amount delinquent:
| $0 |
Total credit lines:
| 2 |
Occupation: | Administrative Assi... |
|
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $1,769 | Stated income: | $25,000-$49,999 |
|
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 53% | | |
| | |
Homeownership:
| No | | |
|
Screen name:
| flexible-dedication8 |
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
new business venture
Purpose of loan:
this loan will be used to help fund a new business venture
My financial situation:
I am a good candidate for this loan because? I can guarantee you that your money will be paid back in the amount of time given and possibly even sooner. We have three other employers who will help fund this loan so it is in safe hands.
Monthly net income: $ 1800
Monthly expenses: $ 0
??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
477067
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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:
| 36.6% | | |
| | | |
|
|
Starting lender yield:
| 34.00% |
Starting borrower rate/APR:
| 35.00% / 38.72% |
Starting monthly payment:
| $339.27 |
| |
|
Auction yield range:
| 16.79% - 34.00% |
Estimated loss impact:
| 38.61% | | |
|
Lender servicing fee:
| 1.00% |
Estimated return:
| -4.61% | | |
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
|
Prosper score (1-10):
| 1 |
First credit line:
| May-1993 |
Debt/Income ratio:
| 30% |
|
Credit score:
| 660-679 (Sep-2010) |
Inquiries last 6m:
| 2 | Employment status: | Employed |
|
Now delinquent:
| 10 |
Current / open credit lines:
| 6
/
6 | Length of status: | 12y 8m |
|
Amount delinquent:
| $0 |
Total credit lines:
| 34 |
Occupation: | Professional |
|
Public records last 12m / 10y:
| 0/ 1 |
Revolving credit balance:
| $263 | Stated income: | $50,000-$74,999 |
|
Delinquencies in last 7y:
| 11 |
Bankcard utilization:
| 87% | | |
| | |
Homeownership:
| Yes | | |
|
Screen name:
| madman1 |
Borrower's state:
| Illinois |
Borrower's group:
| NO DELINQZ |
Credit and homeownership information was obtained 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:
| 70 ( 100% )
| 660-679 (Latest)
|
|
Principal borrowed:
| $24,890.00 | < 31 days late:
| 0
( 0% )
| 660-679
(Dec-2009)
580-599
(Dec-2007)
580-599
(Nov-2007)
600-619
(Nov-2006)
|
|
Principal balance:
| $7,117.63 |
31+ days late:
| 0
( 0% )
|
|
Total payments billed:
| 70 | | |
Description
5th Loan-New Kitchen/Consolidation
Purpose of loan:
This loan will be used to? Invest in my home?by?remodeling?kitchen and paydown some major medical bills recently accumulated.
My financial situation:
I am a good candidate for this loan because?I? have make 70 Prosper payments during 48 month period on time and even?made many payments?early. I can afford the monthly payments as I have cared for?5 children and my brother after an accident?for the past 22 years. And, only 3?children remain at home now which reduces our future expenditures and?allows me?to invest?& care for?myself?and?my wife for a change.
Monthly net income: $ 6,600
Monthly expenses: $?4,700
??Housing: $?1,925
??Insurance: $ 340
??Car expenses: $200
??Utilities: $ 680
??Phone, cable, internet: $250
??Food, entertainment: $ 650
??Clothing, household expenses $120
??Credit cards and other loans: $ 15
??Other Expenses: 520
I have made 70 payments over 48 month period on loans made since joining Prosper?in October 2006 have been on time. To date I have borrowed?a total of $24,890 from them which would?make me?an excellent candidate?for this loan?since?I have?never?been?late. I have paid off one $10,000 loan and?paid down a?$8,500 loan with Prosper over the past?4 years. So, there should be no problem in?my ability to pay off this loan in a timely manner and?enjoy an updated?home & medical bills paid in full for my efforts. Since we cared for 5 children and had guardianship of my brother for over 22 years, and now we are left with only 3 children?at home?our expenditures will be greatly reduced this year. And, now our home, being our sanctuary would be a nice gesture to?remodel?one room?in devotion to my wife, who is very loyal, devoted and endearing to our family.?An approved loan?would help us to receive back just a little of what has been unconditionally given in love and finances by rebuilding the room she loves the most. And?I would like?to thank all of you for allowing us?to receive back?a meaningful reward?by approving this loan to remodel the kitchen which means a great deal to me and helps me give back just a little of what my wife has?given over the many caring years.
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
477069
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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:
| 36.6% | | |
| | | |
|
|
Starting lender yield:
| 34.00% |
Starting borrower rate/APR:
| 36.00% / 39.75% |
Starting monthly payment:
| $137.41 |
| |
|
Auction yield range:
| 16.79% - 34.00% |
Estimated loss impact:
| 38.61% | | |
|
Lender servicing fee:
| 1.00% |
Estimated return:
| -4.61% | | |
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
|
Prosper score (1-10):
| 1 |
First credit line:
| Dec-1992 |
Debt/Income ratio:
| Self-employed (DTI Not Calculated) |
|
Credit score:
| 720-739 (Sep-2010) |
Inquiries last 6m:
| 4 | Employment status: | Self-employed |
|
Now delinquent:
| 0 |
Current / open credit lines:
| 3
/
3 | Length of status: | 13y 5m |
|
Amount delinquent:
| $0 |
Total credit lines:
| 8 |
Occupation: | Professional |
|
Public records last 12m / 10y:
| 0/ 23 |
Revolving credit balance:
| $527 | Stated income: | $25,000-$49,999 |
|
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 0% | | |
| | |
Homeownership:
| No | | |
|
Screen name:
| battalion568 |
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
Startup funds for business
Purpose of loan: I need start up funds for a mortgage processing company, these funds will be used for rent, utilities, and fixtrures
This loan will be used to?
My financial situation: I am waiting on some funds from my previous employment, because I left the company, it take 60 days to receive my funds
I am a good candidate for this loan because I have been in this business for the past 8 years and have establish business
Monthly net income: $ 3000
Monthly expenses: $
??Housing: $ 0
??Insurance: $ 100
??Car expenses: $ 399
??Utilities: $ 0
??Phone, cable, internet: $ 59
??Food, entertainment: $ 150
??Clothing, household expenses $ 100
??Credit cards and other loans: $ 500
??Other expenses: $
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
477087
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
|
Amount:
| $2,051.00 |
Prosper Rating:
| E |
Auction Duration:
| 7 days
|
|
Term:
| 36 months |
Estimated loss:
| 14.2% | | |
| | | |
|
|
Starting lender yield:
| 33.35% |
Starting borrower rate/APR:
| 34.35% / 38.06% |
Starting monthly payment:
| $92.03 |
| |
|
Auction yield range:
| 13.79% - 33.35% |
Estimated loss impact:
| 15.74% | | |
|
Lender servicing fee:
| 1.00% |
Estimated return:
| 17.61% | | |
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
|
Prosper score (1-10):
| 5 |
First credit line:
| Oct-1999 |
Debt/Income ratio:
| 26% |
|
Credit score:
| 660-679 (Sep-2010) |
Inquiries last 6m:
| 1 | Employment status: | Employed |
|
Now delinquent:
| 0 |
Current / open credit lines:
| 8
/
8 | Length of status: | 1y 1m |
|
Amount delinquent:
| $0 |
Total credit lines:
| 20 |
Occupation: | Attorney |
|
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $14,772 | Stated income: | $50,000-$74,999 |
|
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 95% | | |
| | |
Homeownership:
| No | | |
|
Screen name:
| dinero-curriculum |
Borrower's state:
| NorthCarolina |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Description
Consolidate/pay off credit cards
Purpose of loan:
This loan will be used to consolidate a portion of my credit card debt.
My financial situation:
I am a good candidate for this loan because I believe I have a fairly stable income stream as a (albeit rather new) debt restructuring/insolvency attorney in the current economic crisis.? I have never had any delinquencies on debt payments and do not intend to have any. Have been attempting to deal with credit card debt over last 6-9 months and not getting too far making minimum payments on several accounts. Expecting first child soon and want to deal with this as quickly as possible.
Monthly net income: $ 3,025
Monthly expenses: $
??Housing: $??0 (live with family)
??Insurance: $? 110.00
??Car expenses: $??400.00?
??Utilities: $?? 40.00
??Phone, cable, internet: $?? 0.00 (employer provides)
??Food, entertainment: $?? 150.00
??Clothing, household expenses $??50.00?
??Credit cards and other loans: $??850.00
??Other expenses: $? 100.00 (misc) + 500 (tithes/charitable giving)
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
477093
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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:
| 24.0% | | |
| | | |
|
|
Starting lender yield:
| 34.00% |
Starting borrower rate/APR:
| 35.00% / 38.72% |
Starting monthly payment:
| $180.94 |
| |
|
Auction yield range:
| 16.79% - 34.00% |
Estimated loss impact:
| 26.01% | | |
|
Lender servicing fee:
| 1.00% |
Estimated return:
| 7.99% | | |
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 score (1-10):
| 3 |
First credit line:
| Jun-1993 |
Debt/Income ratio:
| 9% |
|
Credit score:
| 720-739 (Sep-2010) |
Inquiries last 6m:
| 1 | Employment status: | Employed |
|
Now delinquent:
| 5 |
Current / open credit lines:
| 2
/
2 | Length of status: | 13y 6m |
|
Amount delinquent:
| $12,656 |
Total credit lines:
| 41 |
Occupation: | Administrative Assi... |
|
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $56 | Stated income: | $25,000-$49,999 |
|
Delinquencies in last 7y:
| 21 |
Bankcard utilization:
| 0% | | |
| | |
Homeownership:
| No | | |
|
Screen name:
| influential-leverage2 |
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
Three Kids and need help
Purpose of loan:
This loan will be used to?Secure Housing and vehicle?and get me on my feet to raise my 3 Children after a messy divorce.
My financial situation:
I am a good candidate for this loan because? I have deliquencies currently on my credit report which are in the process of being removed and transfered into my ex-husbands name as they were for home improvements that I did not authorize the lender to apply my name to the application. I need a second chance to get back on my feet. I am?putting all of the pieces of my life back together after my husband was caught having an affair. Now?I am trying to be the best mother I can to provide my 3?children all that I can.?Baby steps require the help of others?
Monthly net income: $ 2200.00
Monthly expenses: $
??Housing: $ 0
??Insurance: $ 00
??Car expenses: $?0
??Utilities: $ 200.00
??Phone, cable, internet: $ 160.00?
??Food, entertainment: $
??Clothing, household expenses $
??Credit cards and other loans: $
??Other expenses: $ 600.00 day care
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
477105
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
|
Amount:
| $7,500.00 |
Prosper Rating:
| D |
Auction Duration:
| 7 days
|
|
Term:
| 36 months |
Estimated loss:
| 10.8% | | |
| | | |
|
|
Starting lender yield:
| 11.00% |
Starting borrower rate/APR:
| 12.00% / 15.23% |
Starting monthly payment:
| $249.11 |
| |
|
Auction yield range:
| 10.79% - 11.00% |
Estimated loss impact:
| 11.03% | | |
|
Lender servicing fee:
| 1.00% |
Estimated return:
| -0.03% | | |
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
|
Prosper score (1-10):
| 6 |
First credit line:
| Sep-1999 |
Debt/Income ratio:
| 17% |
|
Credit score:
| 700-719 (Sep-2010) |
Inquiries last 6m:
| 1 | Employment status: | Employed |
|
Now delinquent:
| 0 |
Current / open credit lines:
| 14
/
14 | Length of status: | 9y 0m |
|
Amount delinquent:
| $0 |
Total credit lines:
| 33 |
Occupation: | Computer Programmer |
|
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $74,301 | Stated income: | $100,000+ |
|
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 88% | | |
| | |
Homeownership:
| Yes | | |
|
Screen name:
| magnetic-investment9 |
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
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
477117
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
|
Amount:
| $7,500.00 |
Prosper Rating:
| D |
Auction Duration:
| 7 days
|
|
Term:
| 36 months |
Estimated loss:
| 10.8% | | |
| | | |
|
|
Starting lender yield:
| 26.50% |
Starting borrower rate/APR:
| 27.50% / 31.05% |
Starting monthly payment:
| $308.20 |
| |
|
Auction yield range:
| 10.79% - 26.50% |
Estimated loss impact:
| 11.46% | | |
|
Lender servicing fee:
| 1.00% |
Estimated return:
| 15.04% | | |
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
|
Prosper score (1-10):
| 6 |
First credit line:
| Oct-1987 |
Debt/Income ratio:
| 8% |
|
Credit score:
| 740-759 (Sep-2010) |
Inquiries last 6m:
| 4 | Employment status: | Employed |
|
Now delinquent:
| 3 |
Current / open credit lines:
| 4
/
2 | Length of status: | 21y 0m |
|
Amount delinquent:
| $18,854 |
Total credit lines:
| 13 |
Occupation: | Teacher |
|
Public records last 12m / 10y:
| 0/ 2 |
Revolving credit balance:
| $182 | Stated income: | $50,000-$74,999 |
|
Delinquencies in last 7y:
| 4 |
Bankcard utilization:
| 1% | | |
| | |
Homeownership:
| No | | |
|
Screen name:
| brightest-transparent-rate9 |
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 debt
Purpose of loan:
This loan will be used to?pay off current debt to get a house?
My financial situation:
I am a good candidate for this loan because I am a hard worker and have continued to keep a secure job.?
Monthly net income: $ 3,200.00
Monthly expenses: $
??Housing: $ 1000
??Insurance: $ 100
??Car expenses: $?400
??Utilities: $?250
??Phone, cable, internet: $?150
??Food, entertainment: $ 150
??Clothing, household expenses $ 150
??Credit cards and other loans: $?150
??Other expenses: $ 200
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
477119
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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:
| 10.8% | | |
| | | |
|
|
Starting lender yield:
| 26.50% |
Starting borrower rate/APR:
| 27.50% / 31.05% |
Starting monthly payment:
| $616.41 |
| |
|
Auction yield range:
| 10.79% - 26.50% |
Estimated loss impact:
| 11.46% | | |
|
Lender servicing fee:
| 1.00% |
Estimated return:
| 15.04% | | |
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
|
Prosper score (1-10):
| 5 |
First credit line:
| Oct-1998 |
Debt/Income ratio:
| Not calculated |
|
Credit score:
| 780-799 (Sep-2010) |
Inquiries last 6m:
| 1 | Employment status: | Other |
|
Now delinquent:
| 0 |
Current / open credit lines:
| 3
/
3 | Length of status: | 0y 7m |
|
Amount delinquent:
| $0 |
Total credit lines:
| 7 |
Occupation: | Other |
|
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $0 | Stated income: | $25,000-$49,999 |
|
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 0% | | |
| | |
Homeownership:
| No | | |
|
Screen name:
| economy-zone2 |
Borrower's state:
| California |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Description
Helping my son purchase a new car
Purpose of loan:
Hello friends are Prosper. This loan will be used to help my son purchase a new car. He has been employed for 2 years now working as a Mechanical Engineer. He has gotten into some bad investment this year and has lost his car and his credit has tanked because of this. He has since started to fix his credit problems but currently his credit isn't good enough to get him a loan to purchase a car. He has been paying for a rental car on a weekly basis which tears me apart because he will never have ownership. I hope that with my good credit history, friends here at Prosper can help me help my son.
My financial situation:
I am a good candidate for this loan because, I have a stable income. I do not pay for any housing. No rent no mortgage. I own my car and don't have a car payment. All my credit card bills are paid off. Any bills that are required to be paid each and every month are really just the necessities such as phone bills, cable bills etc...Aside from that, I am pretty much debt free.
Monthly net income: $ 2500
Monthly expenses: $
??Housing: $0
??Insurance: $
??Car expenses: $200
??Utilities: $75
??Phone, cable, internet: $
100
??Food, entertainment: $
??Clothing, household expenses $0
??Credit cards and other loans: $
0
??Other expenses: $200-$500
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
477125
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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:
| 24.0% | | |
| | | |
|
|
Starting lender yield:
| 34.00% |
Starting borrower rate/APR:
| 35.00% / 38.72% |
Starting monthly payment:
| $316.65 |
| |
|
Auction yield range:
| 16.79% - 34.00% |
Estimated loss impact:
| 26.01% | | |
|
Lender servicing fee:
| 1.00% |
Estimated return:
| 7.99% | | |
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 score (1-10):
| 3 |
First credit line:
| Jan-1997 |
Debt/Income ratio:
| 55% |
|
Credit score:
| 660-679 (Sep-2010) |
Inquiries last 6m:
| 5 | Employment status: | Employed |
|
Now delinquent:
| 0 |
Current / open credit lines:
| 18
/
13 | Length of status: | 14y 3m |
|
Amount delinquent:
| $0 |
Total credit lines:
| 43 |
Occupation: | Retail Management |
|
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $5,932 | Stated income: | $25,000-$49,999 |
|
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 11% | | |
| | |
Homeownership:
| No | | |
|
Screen name:
| kindness-photon |
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 Credit Cards to improve
Purpose of loan:
This loan will be used to?
Pay off my credit cards as not to use them again
My financial situation:
I am a good candidate for this loan because?
I have been steadily employed at my job for over 10 years, I have had several credit accounts which have always been paid satisfactory
Monthly net income: $
3200.00
Monthly expenses: $
??Housing: $ 850
??Insurance: $ 125
??Car expenses: $ 150
??Utilities: $ 200
??Phone, cable, internet: $ 125
??Food, entertainment: $ 150
??Clothing, household expenses $ 50
??Credit cards and other loans: $ 1300
??Other expenses: $
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
477127
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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:
| A |
Auction Duration:
| 7 days
|
|
Term:
| 36 months |
Estimated loss:
| 3.5% | | |
| | | |
|
|
Starting lender yield:
| 10.15% |
Starting borrower rate/APR:
| 11.15% / 13.27% |
Starting monthly payment:
| $360.91 |
| |
|
Auction yield range:
| 3.79% - 10.15% |
Estimated loss impact:
| 3.53% | | |
|
Lender servicing fee:
| 1.00% |
Estimated return:
| 6.62% | | |
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 score (1-10):
| 9 |
First credit line:
| Nov-1993 |
Debt/Income ratio:
| 17% |
|
Credit score:
| 760-779 (Sep-2010) |
Inquiries last 6m:
| 1 | Employment status: | Employed |
|
Now delinquent:
| 0 |
Current / open credit lines:
| 7
/
3 | Length of status: | 2y 3m |
|
Amount delinquent:
| $0 |
Total credit lines:
| 24 |
Occupation: | Other |
|
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $6,127 | Stated income: | $75,000-$99,999 |
|
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 23% | | |
| | |
Homeownership:
| No | | |
|
Screen name:
| Train-Conductor-Jim |
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
Consolidate GEMB, CAR, IRS
Purpose of loan, occupation, financial status:
I plan to use this loan to consolidate two Care Credit lines of credit (which are closed) from GE Money Bank, payoff my agreement with IRS for 2007, and pay off my car loan with Fifth Third Bank, monthly payments come to $1,067.00.? This loan will bring it to $361.00 per month.? The difference will be added to my current monthly payment to power service my one other closed credit card and I will be able to pay that debt off in 14 months compared to 48 months.? I will repay this loan off early, after 12 months, but before 24 months.
I am a train conductor for Amtrak and my job is very secure.?
The income listed above is my own, and not my total household income, which is closer $148,000.
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
477137
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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:
| E |
Auction Duration:
| 7 days
|
|
Term:
| 36 months |
Estimated loss:
| 14.2% | | |
| | | |
|
|
Starting lender yield:
| 33.35% |
Starting borrower rate/APR:
| 34.35% / 38.06% |
Starting monthly payment:
| $336.52 |
| |
|
Auction yield range:
| 13.79% - 33.35% |
Estimated loss impact:
| 15.74% | | |
|
Lender servicing fee:
| 1.00% |
Estimated return:
| 17.61% | | |
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
|
Prosper score (1-10):
| 5 |
First credit line:
| Nov-1976 |
Debt/Income ratio:
| 54% |
|
Credit score:
| 660-679 (Sep-2010) |
Inquiries last 6m:
| 0 | Employment status: | Employed |
|
Now delinquent:
| 3 |
Current / open credit lines:
| 8
/
10 | Length of status: | 7y 2m |
|
Amount delinquent:
| $6,664 |
Total credit lines:
| 33 |
Occupation: | Professional |
|
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $10,369 | Stated income: | $50,000-$74,999 |
|
Delinquencies in last 7y:
| 6 |
Bankcard utilization:
| 33% | | |
| | |
Homeownership:
| Yes | | |
|
Screen name:
| gallant-marketplace4 |
Borrower's state:
| Illinois |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Description
paying off credit cards
Purpose of loan:
This loan will be used to?pay down one credit card.? Trying to get out of debt after husband's loss of job.?
My financial situation:
I am a good candidate for this loan because?this is the first itme I have ever been delinquent in paying debt.? While the excessive debt is certainly my fault,?we never anticipated the?economic?turndown and difficult recovery.? I also have $55,000 in retirement which I cannot borrow against and monthly?royalities from gas leases inherited from my father.? The monthly income variies on the leases, sometimes?$2,000, sometimes $500.? This is not counted in my income sources.?
Monthly net income: $4,100.00 (not including income above)
Monthly expenses: $
??Housing: $ 1152.00
??Insurance: $ 60.00
??Car expenses: $ 175.00
??Utilities: $ 200.00
??Phone, cable, internet: $ 200.00
??Food, entertainment: $ 300.00
??Clothing, household expenses $ 150.00
??Credit cards and other loans: $?900.00
??Other expenses: $ 400.00
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
477141
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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:
| 24.0% | | |
| | | |
|
|
Starting lender yield:
| 34.00% |
Starting borrower rate/APR:
| 35.00% / 38.72% |
Starting monthly payment:
| $316.65 |
| |
|
Auction yield range:
| 16.79% - 34.00% |
Estimated loss impact:
| 26.01% | | |
|
Lender servicing fee:
| 1.00% |
Estimated return:
| 7.99% | | |
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 score (1-10):
| 3 |
First credit line:
| Mar-1984 |
Debt/Income ratio:
| 24% |
|
Credit score:
| 680-699 (Sep-2010) |
Inquiries last 6m:
| 1 | Employment status: | Employed |
|
Now delinquent:
| 1 |
Current / open credit lines:
| 13
/
11 | Length of status: | 26y 1m |
|
Amount delinquent:
| $1,716 |
Total credit lines:
| 50 |
Occupation: | Principal |
|
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $4,040 | Stated income: | $50,000-$74,999 |
|
Delinquencies in last 7y:
| 11 |
Bankcard utilization:
| 77% | | |
| | |
Homeownership:
| Yes | | |
|
Screen name:
| kindness-trapper |
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
The Last loan/Down to 7000
Purpose of loan:
This loan will be used to? pay offf my last loans
My financial situation:
I am a good candidate for this loan because?I?am a good person ,I have always paid my bills.?
Monthly net income: $ 3745
Monthly expenses: $
??Housing: $ wife pays
??Insurance: $ 224
??Car expenses: $?200
??Utilities: $?800
??Phone, cable, internet: $ 110
??Food, entertainment: $ wife pays
??Clothing, household expenses $ 700
??Credit cards and other loans: $ 530
??Other expenses: $ 500
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
477145
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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:
| 9.8% | | |
| | | |
|
|
Starting lender yield:
| 24.75% |
Starting borrower rate/APR:
| 25.75% / 29.26% |
Starting monthly payment:
| $200.79 |
| |
|
Auction yield range:
| 10.79% - 24.75% |
Estimated loss impact:
| 10.41% | | |
|
Lender servicing fee:
| 1.00% |
Estimated return:
| 14.34% | | |
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
|
Prosper score (1-10):
| 8 |
First credit line:
| Mar-2002 |
Debt/Income ratio:
| 15% |
|
Credit score:
| 660-679 (Sep-2010) |
Inquiries last 6m:
| 2 | Employment status: | Employed |
|
Now delinquent:
| 0 |
Current / open credit lines:
| 3
/
3 | Length of status: | 0y 8m |
|
Amount delinquent:
| $0 |
Total credit lines:
| 10 |
Occupation: | Military Enlisted |
|
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $197 | Stated income: | $1-$24,999 |
|
Delinquencies in last 7y:
| 1 |
Bankcard utilization:
| 13% | | |
| | |
Homeownership:
| No | | |
|
Screen name:
| joshertm |
Borrower's state:
| Oklahoma |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
| Loan history | Payment history | Credit score history |
|
Active / total loans:
| 0 / 1 |
On-time:
| 17 ( 100% )
| 660-679 (Latest)
|
|
Principal borrowed:
| $5,000.00 | < 31 days late:
| 0
( 0% )
| 700-719
(Jan-2008)
|
|
Principal balance:
| $0.03 |
31+ days late:
| 0
( 0% )
|
|
Total payments billed:
| 17 | | |
Description
Consolidating debt, building credit
Purpose of loan:
This loan will be used to consolidate debt owed to family and to help repair
and build my credit back to where it belongs.
My financial situation:
I am a good candidate for these loans because I am military enlisted and
receive a steady monthly income so making payments is not an issue. Although my
credit score is less than desirable, it will not affect my ability to make
payments on time. My monthly expenses are next to nothing because of my
enlistment in the US military. As mentioned above the purpose of the loan is to
consolidate a few debts owed to family and to help repair my credit. I have borrowed from Prosper in the past with no problems and look forward to another pleasant experience.
Monthly net income: $ 1447.00
Monthly expenses: $
??Housing: $ 0
??Insurance: $ 0
??Car expenses: $ 0
??Utilities: $ 0
??Phone, cable, internet: $ 20
??Food, entertainment: $ 50
??Clothing, household expenses $ 0
??Credit cards and other loans: $ 50
??Other expenses: $ 50-100Best regards to all who consider this request and thank you.
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
477147
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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:
| 18.3% | | |
| | | |
|
|
Starting lender yield:
| 34.00% |
Starting borrower rate/APR:
| 35.00% / 38.72% |
Starting monthly payment:
| $339.27 |
| |
|
Auction yield range:
| 16.79% - 34.00% |
Estimated loss impact:
| 20.31% | | |
|
Lender servicing fee:
| 1.00% |
Estimated return:
| 13.69% | | |
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 score (1-10):
| 5 |
First credit line:
| Sep-2004 |
Debt/Income ratio:
| Not calculated |
|
Credit score:
| 640-659 (Sep-2010) |
Inquiries last 6m:
| 0 | Employment status: | Employed |
|
Now delinquent:
| 0 |
Current / open credit lines:
| 7
/
7 | Length of status: | 0y 6m |
|
Amount delinquent:
| $0 |
Total credit lines:
| 17 |
Occupation: | Other |
|
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $12,179 | Stated income: | $25,000-$49,999 |
|
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 86% | | |
| | |
Homeownership:
| No | | |
|
Screen name:
| reverent-return6 |
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
Let's get down to business!
Purpose of loan:
Based off of my prosper historical rating, I understand I am not the most
appealing candidate; but in trying to get ahead, I have to swallow my pride and
ask for this last little bit of assistance. This loan will be used to
consolidate bills into a structured monthly payment so that I may meet my
financial goals and focus on saving. I have this last final stretch to tackle
before I can follow my dreams upon graduation: a house, a business, and no
debt.
My financial situation:
I am a good candidate for this loan because I work three jobs and can more than
afford the monthly payment obligation. I plan on paying the loan off faster
than the 3 year loan term. I would prefer to pass the interest gains off to
(you) the investor instead of the banks. A consolidation would eliminate a
considerable amount of interest, doctor bills, and school fees. This would also
help me build my credit score, which in turn allows for lower interest rates
and refinancing opportunities. I
want to have an amazing credit score, and eventually be able to pay this loan opportunity
forward to another person in need.
Monthly net income:
$3700-$4300
Monthly expenses:
Housing: $ 250
Insurance: $ 150
Car expenses: $ 350
Phone, cable, internet: $ 100
Food, entertainment: $ 200
Clothing, household expenses $ 50
Credit cards and other loans: $ 600 (I pay more than the minimum payment on
credit cards).
Other expenses: $100
*Any additional income above monthly expenses is put on bills and savings.
Feel free to ask me any questions pertaining to this post, and I thank you for
your consideration.
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
477149
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
|
Amount:
| $1,200.00 |
Prosper Rating:
| HR |
Auction Duration:
| 7 days
|
|
Term:
| 36 months |
Estimated loss:
| 24.0% | | |
| | | |
|
|
Starting lender yield:
| 34.00% |
Starting borrower rate/APR:
| 35.00% / 40.24% |
Starting monthly payment:
| $54.28 |
| |
|
Auction yield range:
| 16.79% - 34.00% |
Estimated loss impact:
| 26.01% | | |
|
Lender servicing fee:
| 1.00% |
Estimated return:
| 7.99% | | |
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 score (1-10):
| 3 |
First credit line:
| Jun-2007 |
Debt/Income ratio:
| Self-employed (DTI Not Calculated) |
|
Credit score:
| 660-679 (Sep-2010) |
Inquiries last 6m:
| 3 | Employment status: | Self-employed |
|
Now delinquent:
| 0 |
Current / open credit lines:
| 7
/
6 | Length of status: | 0y 1m |
|
Amount delinquent:
| $0 |
Total credit lines:
| 8 |
Occupation: | Other |
|
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $2,925 | Stated income: | $1-$24,999 |
|
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 29% | | |
| | |
Homeownership:
| No | | |
|
Screen name:
| vivid-responsibility |
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
Startup Business Funding
Purpose of loan:
This loan will be used to?
supply start-up payroll for seasonal Calendar Club business opportunity. Store will run in a prominent Atlanta mall from late October-January 2011.
My financial situation:
I am a good candidate for this loan because?
I have never been delinquent on a credit card payment and I have very little bills as I live at home with parents
Monthly net income: $1000
Monthly expenses: $
??Housing: $0.00
??Insurance: $45.00
??Car expenses: $223.11
??Utilities: $0.00
??Phone, cable, internet: $70.00
??Food, entertainment: $50.00
??Clothing, household expenses $100.00
??Credit cards and other loans: $60.00
??Other expenses: $
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
477153
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
|
Amount:
| $7,500.00 |
Prosper Rating:
| D |
Auction Duration:
| 7 days
|
|
Term:
| 36 months |
Estimated loss:
| 10.8% | | |
| | | |
|
|
Starting lender yield:
| 26.50% |
Starting borrower rate/APR:
| 27.50% / 31.05% |
Starting monthly payment:
| $308.20 |
| |
|
Auction yield range:
| 10.79% - 26.50% |
Estimated loss impact:
| 11.46% | | |
|
Lender servicing fee:
| 1.00% |
Estimated return:
| 15.04% | | |
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
|
Prosper score (1-10):
| 8 |
First credit line:
| Aug-2001 |
Debt/Income ratio:
| 8% |
|
Credit score:
| 660-679 (Sep-2010) |
Inquiries last 6m:
| 1 | Employment status: | Employed |
|
Now delinquent:
| 0 |
Current / open credit lines:
| 6
/
5 | Length of status: | 9y 3m |
|
Amount delinquent:
| $0 |
Total credit lines:
| 18 |
Occupation: | Other |
|
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $2,470 | Stated income: | $50,000-$74,999 |
|
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 47% | | |
| | |
Homeownership:
| No | | |
|
Screen name:
| payback08 |
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
Buying a family vehicle
Purpose of loan:
This loan will be used to buy a family car.
My financial situation:
I am a good candidate for this loan because I'm building credit at the same time.
Monthly net income: $
$5400
Monthly expenses: $
??Housing: $ 1300 ????
??Insurance: $
90
??Car expenses: $ 50
??Utilities: $
150
??Phone, cable, internet: $
300
??Food, entertainment: $
500
??Clothing, household expenses $ 250
??Credit cards and other loans: $
200
??Other expenses: $
300
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
477157
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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:
| 36.6% | | |
| | | |
|
|
Starting lender yield:
| 34.00% |
Starting borrower rate/APR:
| 35.00% / 38.72% |
Starting monthly payment:
| $135.71 |
| |
|
Auction yield range:
| 16.79% - 34.00% |
Estimated loss impact:
| 38.61% | | |
|
Lender servicing fee:
| 1.00% |
Estimated return:
| -4.61% | | |
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
|
Prosper score (1-10):
| 1 |
First credit line:
| Jul-1997 |
Debt/Income ratio:
| 23% |
|
Credit score:
| 700-719 (Sep-2010) |
Inquiries last 6m:
| 4 | Employment status: | Other |
|
Now delinquent:
| 0 |
Current / open credit lines:
| 9
/
6 | Length of status: | 15y 8m |
|
Amount delinquent:
| $0 |
Total credit lines:
| 25 | Stated income: | $50,000-$74,999 |
|
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $35,922 | |
|
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 100% | | |
| | |
Homeownership:
| Yes | | |
|
Screen name:
| funds-apricot |
Borrower's state:
| California |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Description
To get my car out of pawn
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
477171
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
|
Amount:
| $1,000.00 |
Prosper Rating:
| HR |
Auction Duration:
| 7 days
|
|
Term:
| 36 months |
Estimated loss:
| 24.0% | | |
| | | |
|
|
Starting lender yield:
| 34.00% |
Starting borrower rate/APR:
| 35.00% / 41.35% |
Starting monthly payment:
| $45.24 |
| |
|
Auction yield range:
| 16.79% - 34.00% |
Estimated loss impact:
| 26.01% | | |
|
Lender servicing fee:
| 1.00% |
Estimated return:
| 7.99% | | |
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 score (1-10):
| 2 |
First credit line:
| Feb-1995 |
Debt/Income ratio:
| Self-employed (DTI Not Calculated) |
|
Credit score:
| 740-759 (Sep-2010) |
Inquiries last 6m:
| 1 | Employment status: | Self-employed |
|
Now delinquent:
| 0 |
Current / open credit lines:
| 4
/
4 | Length of status: | 1y 11m |
|
Amount delinquent:
| $0 |
Total credit lines:
| 5 |
Occupation: | Other |
|
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $2,169 | Stated income: | $1-$24,999 |
|
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 33% | | |
| | |
Homeownership:
| Yes | | |
|
Screen name:
| shrewd-dollar |
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
Credit score of 759
Purpose of loan:
This loan will be used to pay credit card
My financial situation: is not bad
I am a good candidate for this loan because I'm dependable don't owe anything else except for my credit card and mortgage. I owe a total of $2169 but I'll be getting $1200 next month and need only $1000 to pay off credit card.
Monthly net income: $2000
Monthly expenses: $ 1800
??Housing: $600
??Insurance: $200
??Car expenses: $0
??Utilities: $300
??Phone, cable, internet: $60
??Food, entertainment: $600
??Clothing, household expenses $100
??Credit cards and other loans: $200
??Other expenses: $
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
477173
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
|
Amount:
| $15,000.00 |
Prosper Rating:
| C |
Auction Duration:
| 7 days
|
|
Term:
| 36 months |
Estimated loss:
| 8.7% | | |
| | | |
|
|
Starting lender yield:
| 22.65% |
Starting borrower rate/APR:
| 23.65% / 27.12% |
Starting monthly payment:
| $585.74 |
| |
|
Auction yield range:
| 7.79% - 22.65% |
Estimated loss impact:
| 9.24% | | |
|
Lender servicing fee:
| 1.00% |
Estimated return:
| 13.41% | | |
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
|
Prosper score (1-10):
| 6 |
First credit line:
| Jul-1983 |
Debt/Income ratio:
| 25% |
|
Credit score:
| 800-819 (Sep-2010) |
Inquiries last 6m:
| 1 | Employment status: | Employed |
|
Now delinquent:
| 0 |
Current / open credit lines:
| 15
/
13 | Length of status: | 15y 8m |
|
Amount delinquent:
| $0 |
Total credit lines:
| 53 |
Occupation: | Other |
|
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $31,368 | Stated income: | $100,000+ |
|
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 72% | | |
| | |
Homeownership:
| Yes | | |
|
Screen name:
| cash-horse0 |
Borrower's state:
| Indiana |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Description
Getting out of debt
Purpose of loan:
This loan will be used to consolidate credit card debt.?
My financial situation:
I am a good candidate for this loan because I am a small business owner - court reporting agency owner and court reporter and am able to repay this loan on a timely basis.? I had a bad year financially in 2009 because of divorce, but am now back to and have exceeded my pre-divorce combined household income.
Monthly net income: $ 10,000
Monthly expenses: $
??Housing: $1600
??Insurance: $ 1000
??Car expenses: $ 500
??Utilities: $?500
??Phone, cable, internet: $ 200
??Food, entertainment: $ 100
??Clothing, household expenses $ 100
??Credit cards and other loans: $?2300
??Other expenses: $
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
477175
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
|
Amount:
| $5,250.00 |
Prosper Rating:
| HR |
Auction Duration:
| 7 days
|
|
Term:
| 36 months |
Estimated loss:
| 24.0% | | |
| | | |
|
|
Starting lender yield:
| 31.00% |
Starting borrower rate/APR:
| 32.00% / 35.65% |
Starting monthly payment:
| $228.66 |
| |
|
Auction yield range:
| 16.79% - 31.00% |
Estimated loss impact:
| 25.82% | | |
|
Lender servicing fee:
| 1.00% |
Estimated return:
| 5.18% | | |
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
|
Prosper score (1-10):
| 2 |
First credit line:
| Dec-1997 |
Debt/Income ratio:
| 24% |
|
Credit score:
| 640-659 (Sep-2010) |
Inquiries last 6m:
| 1 | Employment status: | Employed |
|
Now delinquent:
| 2 |
Current / open credit lines:
| 6
/
6 | Length of status: | 5y 4m |
|
Amount delinquent:
| $5,524 |
Total credit lines:
| 24 |
Occupation: | Clerical |
|
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $202 | Stated income: | $25,000-$49,999 |
|
Delinquencies in last 7y:
| 4 |
Bankcard utilization:
| 67% | | |
| | |
Homeownership:
| Yes | | |
|
Screen name:
| RadiantRuby |
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:
| 29 ( 100% )
| 640-659 (Latest)
|
|
Principal borrowed:
| $4,000.00 | < 31 days late:
| 0
( 0% )
| 640-659
(Jul-2010)
620-639
(Jun-2010)
700-719
(May-2010)
680-699
(Mar-2010)
|
|
Principal balance:
| $970.35 |
31+ days late:
| 0
( 0% )
|
|
Total payments billed:
| 29 | | |
Description
Proven Prosper Borrower/Home Repair
Purpose of loan:
This loan will be used to?
?We? really needed some
home improvement. Kitchen dishwasher was leaking and ruined the underlayment,
so we needed that replaced, downstairs bathroom leaking around seal, needed to be
dried out and stripped and new flooring. Some painting and minor repairs also
needed. I decided to get it all done instead of waiting.. Credit cards payment due of approx. $2000.00 at 29%.Personal Property Tax on land, (1 acre) will be due and that is approx $2700.00 for the year.Thanks for your help.? I am presently working with credit companies to clear up all accounts that are no longer delinquent, but still appear as such.
My
financial situation:I
am a good candidate for this loan because??
I have always? paid my immediate obligations and I am current on
my present Prosper loan? and
have had no late payments and have never missed one.? The 4 delinquencies in the past 4 years were for? medical co-payments of $50.00 and have been paid.
Monthly net income: $
3892
Monthly expenses: $ 2870=$1022+
Housing: $ 895.00
??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
477181
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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:
| 18.3% | | |
| | | |
|
|
Starting lender yield:
| 34.00% |
Starting borrower rate/APR:
| 35.00% / 38.72% |
Starting monthly payment:
| $226.18 |
| |
|
Auction yield range:
| 16.79% - 34.00% |
Estimated loss impact:
| 20.31% | | |
|
Lender servicing fee:
| 1.00% |
Estimated return:
| 13.69% | | |
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 score (1-10):
| 4 |
First credit line:
| Mar-1992 |
Debt/Income ratio:
| 29% |
|
Credit score:
| 660-679 (Sep-2010) |
Inquiries last 6m:
| 0 | Employment status: | Employed |
|
Now delinquent:
| 2 |
Current / open credit lines:
| 5
/
5 | Length of status: | 2y 1m |
|
Amount delinquent:
| $360 |
Total credit lines:
| 43 |
Occupation: | Teacher |
|
Public records last 12m / 10y:
| 1/ 2 |
Revolving credit balance:
| $1,853 | Stated income: | $25,000-$49,999 |
|
Delinquencies in last 7y:
| 33 |
Bankcard utilization:
| 94% | | |
| | |
Homeownership:
| Yes | | |
|
Screen name:
| peace-mason |
Borrower's state:
| Oklahoma |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Description
Consolidate medical and other debts
Purpose of loan:
This loan will be used to?consolidate?medical debts and other costs associated with mother moving in due to her lack of income.? We make plenty?to pay it off, just too many smaller debts that need to be paid off?with a lower monthly payment.?
My financial situation:
I am a good candidate for this loan because? we are in the best income situation right now that we have ever been in, we just tend to try and take care of family.? First my daughter who was being abused in her marriage - now remaried and successfully in college, pre-med major. Now more recently my mother.? Through all of this, we got behind with IRS, used JK Harris to help ...well, they killed our finaces, we now have leins.? We need to finish with a tax preparer - that will cost $500 more and a tax attorney to lower our debt to IRS.? We do not owe anything to our state.
Monthly net income: $ 6800
Monthly expenses: $?4830
??Housing: $ 1500
??Insurance: $ 230
??Car expenses: $ 650
??Utilities: $ 250
??Phone, cable, internet: $?400
??Food, entertainment: $ 400
??Clothing, household expenses $ 300
??Credit cards and other loans: $ 400
??Other expenses: $ 700
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
477187
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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:
| E |
Auction Duration:
| 7 days
|
|
Term:
| 36 months |
Estimated loss:
| 14.2% | | |
| | | |
|
|
Starting lender yield:
| 33.35% |
Starting borrower rate/APR:
| 34.35% / 38.06% |
Starting monthly payment:
| $336.52 |
| |
|
Auction yield range:
| 13.79% - 33.35% |
Estimated loss impact:
| 15.74% | | |
|
Lender servicing fee:
| 1.00% |
Estimated return:
| 17.61% | | |
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
|
Prosper score (1-10):
| 5 |
First credit line:
| Oct-1991 |
Debt/Income ratio:
| 14% |
|
Credit score:
| 660-679 (Sep-2010) |
Inquiries last 6m:
| 5 | Employment status: | Employed |
|
Now delinquent:
| 0 |
Current / open credit lines:
| 7
/
5 | Length of status: | 3y 4m |
|
Amount delinquent:
| $0 |
Total credit lines:
| 47 |
Occupation: | Professional |
|
Public records last 12m / 10y:
| 0/ 1 |
Revolving credit balance:
| $4,971 | Stated income: | $100,000+ |
|
Delinquencies in last 7y:
| 32 |
Bankcard utilization:
| 46% | | |
| | |
Homeownership:
| No | | |
|
Screen name:
| visionary-dinero2 |
Borrower's state:
| California |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Description
Debt Consolidation
Purpose of loan:
Just purchased a new home and would like to consolidate the expenses accrued during closing and making improvements.
My financial situation:
I am a good candidate for this loan because I make great money and have a love debt to income ratio.
Monthly net income: $
$7100
Monthly expenses: $
??Housing: $
1300
??Insurance: $
100
??Car expenses: $
700
??Utilities: $
100
??Phone, cable, internet: $
150
??Food, entertainment: $
400
??Clothing, household expenses $
??Credit cards and other loans: $
300
??Other expenses: $
500
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
477197
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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:
| E |
Auction Duration:
| 7 days
|
|
Term:
| 36 months |
Estimated loss:
| 14.2% | | |
| | | |
|
|
Starting lender yield:
| 33.35% |
Starting borrower rate/APR:
| 34.35% / 38.06% |
Starting monthly payment:
| $336.52 |
| |
|
Auction yield range:
| 13.79% - 33.35% |
Estimated loss impact:
| 15.74% | | |
|
Lender servicing fee:
| 1.00% |
Estimated return:
| 17.61% | | |
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
|
Prosper score (1-10):
| 6 |
First credit line:
| Dec-1996 |
Debt/Income ratio:
| 15% |
|
Credit score:
| 660-679 (Sep-2010) |
Inquiries last 6m:
| 1 | Employment status: | Employed |
|
Now delinquent:
| 0 |
Current / open credit lines:
| 6
/
6 | Length of status: | 8y 7m |
|
Amount delinquent:
| $0 |
Total credit lines:
| 7 |
Occupation: | Professional |
|
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $4,724 | Stated income: | $25,000-$49,999 |
|
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 91% | | |
| | |
Homeownership:
| No | | |
|
Screen name:
| open-minded-gain0 |
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
Debt consolidation
Purpose of loan:
This loan will be used to pay off all of my debt.
My financial situation: Stable. I've been employed with the same company since 2002 and recently promoted.
I am a good candidate for this loan because I pay all of my bills on time and have a stable income.
Monthly net income: $2,368.00
Monthly expenses: $1,655.00
??Housing: $855.00
??Insurance: $0.00 (roommate pays)
??Car expenses: $0.00
??Utilities: $0.00 (roommate pays)
??Phone, cable, internet: $100.00
??Food, entertainment: $100.00
??Clothing, household expenses $150.00
??Credit cards and other loans: $450.00
??Other expenses: $0.00
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
477215
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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:
| 18.3% | | |
| | | |
|
|
Starting lender yield:
| 24.00% |
Starting borrower rate/APR:
| 25.00% / 28.50% |
Starting monthly payment:
| $99.40 |
| |
|
Auction yield range:
| 16.79% - 24.00% |
Estimated loss impact:
| 19.68% | | |
|
Lender servicing fee:
| 1.00% |
Estimated return:
| 4.32% | | |
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
|
Prosper score (1-10):
| 5 |
First credit line:
| Sep-2001 |
Debt/Income ratio:
| Self-employed (DTI Not Calculated) |
|
Credit score:
| 640-659 (Sep-2010) |
Inquiries last 6m:
| 0 | Employment status: | Self-employed |
|
Now delinquent:
| 0 |
Current / open credit lines:
| 8
/
7 | Length of status: | 1y 6m |
|
Amount delinquent:
| $0 |
Total credit lines:
| 12 |
Occupation: | Sales - Retail |
|
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $34,478 | Stated income: | $100,000+ |
|
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 91% | | |
| | |
Homeownership:
| No | | |
|
Screen name:
| a-abundant-transparency |
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
Debt Consolidation
Purpose of loan:
This loan will be used to?
Pay off credit cards with high interests. I run my own business and have spent everything i can on that business and now that it's making money i want to pay off my cards as fast as possible, hence the 91% card utilization. I run 2 retail websites and am starting at least 2 more in the next 2 weeks. The first 3 are niche sites dealing with sci-fi/horror movies and the next retail site will be a natural/gluten free foods online store.
My financial situation:
I am a good candidate for this loan because?even though i may have high debts i've NEVER been late or delinquent on a payment...EVER. I run my own business selling movie props and memorabilia. I know my customers and know what they want and can find what they want for cheap and sell for a great profit. Help me to pay off my debts and if there are any business investors i am always looking to maybe add some help! I am also starting to reinvest in other prosper users as well and will have my first transfer available this week so i will be putting some money back into the community as well. THANK YOU!
Monthly net income: $5,000-10,000
Monthly expenses: $1400
??Housing: $0
??Insurance: $
??Car expenses: $0
??Utilities: $0
??Phone, cable, internet: $150
??Food, entertainment: $300
??Clothing, household expenses $50
??Credit cards and other loans: $700
??Other expenses: $200
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
477227
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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:
| 10.8% | | |
| | | |
|
|
Starting lender yield:
| 26.50% |
Starting borrower rate/APR:
| 27.50% / 31.05% |
Starting monthly payment:
| $205.47 |
| |
|
Auction yield range:
| 10.79% - 26.50% |
Estimated loss impact:
| 11.46% | | |
|
Lender servicing fee:
| 1.00% |
Estimated return:
| 15.04% | | |
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
|
Prosper score (1-10):
| 8 |
First credit line:
| Sep-1993 |
Debt/Income ratio:
| 13% |
|
Credit score:
| 680-699 (Sep-2010) |
Inquiries last 6m:
| 0 | Employment status: | Employed |
|
Now delinquent:
| 0 |
Current / open credit lines:
| 7
/
5 | Length of status: | 21y 8m |
|
Amount delinquent:
| $0 |
Total credit lines:
| 18 |
Occupation: | Civil Service |
|
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $118,632 | Stated income: | $100,000+ |
|
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 99% | | |
| | |
Homeownership:
| Yes | | |
|
Screen name:
| cordial-money3 |
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
replacing garage door and opener
Purpose of loan:
This loan will be used to?
replace and update garage door and opener
My financial situation:
I am a good candidate for this loan because? I can and will pay it back.
Monthly net income: $
6000.00
Monthly expenses: $
??Housing: $
1050.00
??Insurance: $
0
??Car expenses: $
0
??Utilities: $
200.00
??Phone, cable, internet: $
250.00
??Food, entertainment: $
550.00
??Clothing, household expenses $
??Credit cards and other loans: $
3600.00
??Other expenses: $
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
477229
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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:
| 12.65% |
Starting borrower rate/APR:
| 13.65% / 15.80% |
Starting monthly payment:
| $510.12 |
| |
|
Auction yield range:
| 5.79% - 12.65% |
Estimated loss impact:
| 5.16% | | |
|
Lender servicing fee:
| 1.00% |
Estimated return:
| 7.49% | | |
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
|
Prosper score (1-10):
| 8 |
First credit line:
| Mar-1987 |
Debt/Income ratio:
| 16% |
|
Credit score:
| 820-839 (Aug-2010) |
Inquiries last 6m:
| 1 | Employment status: | Employed |
|
Now delinquent:
| 0 |
Current / open credit lines:
| 12
/
11 | Length of status: | 4y 4m |
|
Amount delinquent:
| $0 |
Total credit lines:
| 40 |
Occupation: | Executive |
|
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $18,850 | Stated income: | $100,000+ |
|
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 18% | | |
| | |
Homeownership:
| Yes | | |
|
Screen name:
| kinetic-finance4 |
Borrower's state:
| Texas |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
| Loan history | Payment history | Credit score history |
|
Active / total loans:
| 0 / 1 |
On-time:
| 6 ( 100% )
| 820-839 (Latest)
|
|
Principal borrowed:
| $25,000.00 | < 31 days late:
| 0
( 0% )
| 780-799
(Jan-2010)
|
|
Principal balance:
| $0.37 |
31+ days late:
| 0
( 0% )
|
|
Total payments billed:
| 6 | | |
Description
Paying Off Medical Expenses on CC
This is the second Prosper Loan that I have applied for.The first loan was used to refinance legal bills charged to my credit card ? I was able to repay that loan in less than six months using the proceeds of a sales commission check.My wife and I recently had a baby girl (see attached photo) and were hit with $15K in unexpected medical bills associated with her delivery.Again, I expect to pay these expenses with a future commission check, but would like to finance the expenses that have been charged to my credit card on a fixed interest rate ? until my next commission check comes.My base salary is $175K and my wife, who is a Certified, Advanced Nurse Practitioner in the State of Texas, earn $90,000 a year.We have excellent credit and a history of repaying Prosper Loans.Thank you for your consideration.
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
477233
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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:
| 36.6% | | |
| | | |
|
|
Starting lender yield:
| 16.79% |
Starting borrower rate/APR:
| 17.79% / 21.14% |
Starting monthly payment:
| $216.28 |
| |
|
Auction yield range:
| 16.79% - 16.79% |
Estimated loss impact:
| 37.52% | | |
|
Lender servicing fee:
| 1.00% |
Estimated return:
| -20.73% | | |
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 score (1-10):
| 1 |
First credit line:
| Nov-2005 |
Debt/Income ratio:
| 19% |
|
Credit score:
| 640-659 (Aug-2010) |
Inquiries last 6m:
| 3 | Employment status: | Employed |
|
Now delinquent:
| 0 |
Current / open credit lines:
| 3
/
3 | Length of status: | 0y 3m |
|
Amount delinquent:
| $0 |
Total credit lines:
| 6 |
Occupation: | Other |
|
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $286 | Stated income: | $1-$24,999 |
|
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 89% | | |
| | |
Homeownership:
| Yes | | |
|
Screen name:
| commerce-circuit |
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
My loan for home improvement
Purpose of loan:
This loan will be used to make my house more marketable for selling and pay off credit cards so that I can lower my cost of living.?
This my story, I am a mother of four,all are grown but one.I am recently divorced.I have my house up for sell so I can lower my cost of living but need to make some improvements to make it more marketable.
My financial situation:
I am a good candidate for this loan because I have a job and have not been late? a payment.I was released from my job of 4 years in March 2010,I got up everyday at 5:30 am and went Job hunting and worked temp agencies until I was hired by Oaklawn..I was Hired by Oaklawn June 1 2010.I did not have a long stay drawing unemployment I got busy and found I job.I will put the same effort into paying back this loan.
Monthly net income: $ 1400 +370 in child support.
Monthly expenses: $ 1337
??Housing: $
681
??Insurance: $
included in house payment
??Car expenses: $ I own my care out right.
??Utilities: $
159
??Phone, cable, internet: $
payed for by employer
??Food, entertainment: $
300
??Clothing, household expenses $
none
??Credit cards and other loans: $
170
??Other expenses: $
none
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
477235
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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:
| 10.8% | | |
| | | |
|
|
Starting lender yield:
| 19.00% |
Starting borrower rate/APR:
| 20.00% / 23.39% |
Starting monthly payment:
| $185.82 |
| |
|
Auction yield range:
| 10.79% - 19.00% |
Estimated loss impact:
| 11.25% | | |
|
Lender servicing fee:
| 1.00% |
Estimated return:
| 7.75% | | |
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 score (1-10):
| 8 |
First credit line:
| Dec-1993 |
Debt/Income ratio:
| 16% |
|
Credit score:
| 680-699 (Sep-2010) |
Inquiries last 6m:
| 0 | Employment status: | Employed |
|
Now delinquent:
| 5 |
Current / open credit lines:
| 7
/
7 | Length of status: | 0y 4m |
|
Amount delinquent:
| $499 |
Total credit lines:
| 35 |
Occupation: | Tradesman - Mechani... |
|
Public records last 12m / 10y:
| 0/ 1 |
Revolving credit balance:
| $4,211 | Stated income: | $50,000-$74,999 |
|
Delinquencies in last 7y:
| 52 |
Bankcard utilization:
| 65% | | |
| | |
Homeownership:
| Yes | | |
|
Screen name:
| careful-kindness1 |
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?
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
477239
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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:
| 24.0% | | |
| | | |
|
|
Starting lender yield:
| 17.00% |
Starting borrower rate/APR:
| 18.00% / 21.35% |
Starting monthly payment:
| $126.53 |
| |
|
Auction yield range:
| 16.79% - 17.00% |
Estimated loss impact:
| 24.94% | | |
|
Lender servicing fee:
| 1.00% |
Estimated return:
| -7.94% | | |
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 score (1-10):
| 2 |
First credit line:
| Oct-1994 |
Debt/Income ratio:
| 27% |
|
Credit score:
| 680-699 (Sep-2010) |
Inquiries last 6m:
| 3 | Employment status: | Employed |
|
Now delinquent:
| 0 |
Current / open credit lines:
| 5
/
4 | Length of status: | 0y 3m |
|
Amount delinquent:
| $0 |
Total credit lines:
| 13 |
Occupation: | Sales - Commission |
|
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $3,448 | Stated income: | $25,000-$49,999 |
|
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 95% | | |
| | |
Homeownership:
| Yes | | |
|
Screen name:
| appetizing-reward7 |
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
Payoff of the only credit card held
Purpose of loan:
This loan will be used to?pay off the only credit card I hold that unfortunately was granted by Wells Fargo whom refuses to reduce the current rate because of a "rate freeze", whatever that means.
My financial situation:
I am a good candidate for this loan because?candidly speaking, my wife, in all of her analytical glory, manages all things financial, and has yet to miss a payment?due since agreeing to oversee our household?4 years ago.? She is the regimental "yin" to my ADD afflicted "yang".? We?drive an?unimpressive, practical car that was purchased used, and I rely upon a used motorcycle for most of my transportation needs.? In mid October we will celebrate our first full year of ownership of our first house (a fixer purchased from forclosure that actually had a pile of feces (TMI?)?on the floor of the back bedroom during our initial showing...yeah,?we've busted our butts rehabbing this place).???
Monthly net income: $4,500.00 combined net
Monthly expenses: $
??Housing: $ 1,382.00
??Insurance: $ 67.00
??Car expenses: $ 375.00
??Utilities: $ 60.00
??Phone, cable, internet: $ 150.00
??Food, entertainment: $? 200.00
??Clothing, household expenses $ 100.00
??Credit cards and other loans: $ 500.00
??Other expenses: $ 250.00
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
477253
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
|
Amount:
| $6,000.00 |
Prosper Rating:
| AA |
Auction Duration:
| 7 days
|
|
Term:
| 36 months |
Estimated loss:
| 1.6% | | |
| | | |
|
|
Starting lender yield:
| 7.25% |
Starting borrower rate/APR:
| 8.25% / 8.59% |
Starting monthly payment:
| $188.71 |
| |
|
Auction yield range:
| 2.79% - 7.25% |
Estimated loss impact:
| 1.55% | | |
|
Lender servicing fee:
| 1.00% |
Estimated return:
| 5.70% | | |
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 score (1-10):
| 10 |
First credit line:
| Mar-1994 |
Debt/Income ratio:
| 12% |
|
Credit score:
| 760-779 (Sep-2010) |
Inquiries last 6m:
| 0 | Employment status: | Employed |
|
Now delinquent:
| 0 |
Current / open credit lines:
| 9
/
7 | Length of status: | 9y 10m |
|
Amount delinquent:
| $0 |
Total credit lines:
| 34 |
Occupation: | Other |
|
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $9,473 | Stated income: | $50,000-$74,999 |
|
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 21% | | |
| | |
Homeownership:
| Yes | | |
|
Screen name:
| versatile-integrity3 |
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
Engagement ring for 'shotgun' plans
Purpose of loan:
This loan will be used to? finance an engagement ring that has been ordered for a wedding in just two months.
My financial situation:
I am a good candidate for this loan because? I have a stable position in higher education at a university where I have worked for ten years.? My overall financial situation will also improve dramatically after the wedding, with access to a substantial trust.
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
477257
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
|
Amount:
| $7,000.00 |
Prosper Rating:
| E |
Auction Duration:
| 7 days
|
|
Term:
| 36 months |
Estimated loss:
| 14.2% | | |
| | | |
|
|
Starting lender yield:
| 24.00% |
Starting borrower rate/APR:
| 25.00% / 28.50% |
Starting monthly payment:
| $278.32 |
| |
|
Auction yield range:
| 13.79% - 24.00% |
Estimated loss impact:
| 15.28% | | |
|
Lender servicing fee:
| 1.00% |
Estimated return:
| 8.72% | | |
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
|
Prosper score (1-10):
| 5 |
First credit line:
| Nov-2005 |
Debt/Income ratio:
| Not calculated |
|
Credit score:
| 700-719 (Sep-2010) |
Inquiries last 6m:
| 1 | Employment status: | Employed |
|
Now delinquent:
| 0 |
Current / open credit lines:
| 12
/
9 | Length of status: | 3y 10m |
|
Amount delinquent:
| $0 |
Total credit lines:
| 20 |
Occupation: | Other |
|
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $1,351 | Stated income: | $25,000-$49,999 |
|
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 19% | | |
| | |
Homeownership:
| No | | |
|
Screen name:
| unassuming-finance0 |
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
Wedding Costs
Purpose of loan:
This loan will be used to? pay for costs of my wedding on 12/4. I am marrying a U.S. Soldier and we plan to pay the loan back quickly, we just do not have the cash on hand to pay for the expenses at once.
My financial situation:
I am a good candidate for this loan because? I am a great money manager, as well as my fiance. We are both very disciplined financially and we know our limits. We are always making sure we make payments on time for all of our bills.
Monthly net income: $ 55,000
Monthly expenses: $
??Housing: $ 775
??Insurance: $ 250
??Car expenses: $ 450
??Utilities: $ 200
??Phone, cable, internet: $ 100
??Food, entertainment: $ 150
??Clothing, household expenses $ 100
??Credit cards and other loans: $ 125
??Other expenses: $ 150
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
477269
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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:
| 9.8% | | |
| | | |
|
|
Starting lender yield:
| 24.75% |
Starting borrower rate/APR:
| 25.75% / 29.26% |
Starting monthly payment:
| $120.47 |
| |
|
Auction yield range:
| 10.79% - 24.75% |
Estimated loss impact:
| 10.41% | | |
|
Lender servicing fee:
| 1.00% |
Estimated return:
| 14.34% | | |
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
|
Prosper score (1-10):
| 7 |
First credit line:
| Oct-1989 |
Debt/Income ratio:
| 14% |
|
Credit score:
| 640-659 (Sep-2010) |
Inquiries last 6m:
| 1 | Employment status: | Employed |
|
Now delinquent:
| 0 |
Current / open credit lines:
| 4
/
3 | Length of status: | 3y 11m |
|
Amount delinquent:
| $0 |
Total credit lines:
| 18 |
Occupation: | Professional |
|
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $32,139 | Stated income: | $75,000-$99,999 |
|
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 94% | | |
| | |
Homeownership:
| No | | |
|
Screen name:
| macymhd |
Borrower's state:
| Virginia |
Borrower's group:
| BORROWERS - 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:
| 28 ( 100% )
| 640-659 (Latest)
|
|
Principal borrowed:
| $3,000.00 | < 31 days late:
| 0
( 0% )
| 700-719
(Jan-2007)
700-719
(Dec-2006)
|
|
Principal balance:
| $0.00 |
31+ days late:
| 0
( 0% )
|
|
Total payments billed:
| 28 | | |
Description
NEVER LATE ON PAYMENTS
I plan to use this money to purchase a trailor that I need to transport equipment for business and personal use.? I have NEVER been late on a payment and intend on having this loan?paid off in 6 to 12 months or less.? My last loan on prosper was paid off early as well.
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
477271
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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:
| 18.3% | | |
| | | |
|
|
Starting lender yield:
| 34.00% |
Starting borrower rate/APR:
| 35.00% / 38.72% |
Starting monthly payment:
| $203.56 |
| |
|
Auction yield range:
| 16.79% - 34.00% |
Estimated loss impact:
| 20.31% | | |
|
Lender servicing fee:
| 1.00% |
Estimated return:
| 13.69% | | |
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 score (1-10):
| 4 |
First credit line:
| Jan-2005 |
Debt/Income ratio:
| 23% |
|
Credit score:
| 680-699 (Sep-2010) |
Inquiries last 6m:
| 2 | Employment status: | Employed |
|
Now delinquent:
| 0 |
Current / open credit lines:
| 6
/
4 | Length of status: | 5y 5m |
|
Amount delinquent:
| $0 |
Total credit lines:
| 9 |
Occupation: | Professional |
|
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $16,120 | Stated income: | $25,000-$49,999 |
|
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 76% | | |
| | |
Homeownership:
| No | | |
|
Screen name:
| goal-greenback5 |
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
Furniture Purchase
Purpose of loan:
This loan will be used to purchase new furniture for my place. My old furniture is really old and it is definitely time for some new stuff!!!?
My financial situation:
I am a good candidate for this loan because, I have the ability to pay back the loan. I have no bad credit history and I have also been with my job since 2005, so again I have the ability and means to repay the loan.
Monthly net income: $
3600.00
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
477275
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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:
| E |
Auction Duration:
| 7 days
|
|
Term:
| 36 months |
Estimated loss:
| 14.2% | | |
| | | |
|
|
Starting lender yield:
| 33.35% |
Starting borrower rate/APR:
| 34.35% / 38.06% |
Starting monthly payment:
| $336.52 |
| |
|
Auction yield range:
| 13.79% - 33.35% |
Estimated loss impact:
| 15.74% | | |
|
Lender servicing fee:
| 1.00% |
Estimated return:
| 17.61% | | |
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
|
Prosper score (1-10):
| 5 |
First credit line:
| Feb-1980 |
Debt/Income ratio:
| 16% |
|
Credit score:
| 700-719 (Sep-2010) |
Inquiries last 6m:
| 3 | Employment status: | Employed |
|
Now delinquent:
| 0 |
Current / open credit lines:
| 5
/
5 | Length of status: | 10y 9m |
|
Amount delinquent:
| $0 |
Total credit lines:
| 14 |
Occupation: | Professional |
|
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $202,924 | Stated income: | $50,000-$74,999 |
|
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 98% | | |
| | |
Homeownership:
| Yes | | |
|
Screen name:
| exchange-majesty |
Borrower's state:
| Florida |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Description
Pay insurance,credit crds,cash flow
b>Purpose of loan:
This loan will be used to pay flood insurance, pay credit cards, cash flow
My financial situation:Own my own business, which is doing very well moving forward
I am a good candidate for this loan because?my income will increase as of October to a rate of $59,000 or higher per year and social security payments of $1,363 begin October 27, 2010. I also have a fiancee who pays me cash every month of different amounts and pays for most food and fuel.
Monthly net income: $3,422 plus SocSec $1250, plus cash from fiancee $800 - $1,000
Monthly expenses: $5600
Housing: $3,750
Insurance: $ paid with Income Tax Return
Car expenses: $ 0 Own my own car, no payments
Utilities: $650
Phone, cable, internet: $ under utilities
Food, entertainment: $400 (fiancee is in the entertainment business)
Clothing, household expenses $
Credit cards and other loans: $700
Other expenses: $
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
477281
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
|
Amount:
| $3,000.00 |
Prosper Rating:
| E |
Auction Duration:
| 7 days
|
|
Term:
| 36 months |
Estimated loss:
| 14.2% | | |
| | | |
|
|
Starting lender yield:
| 33.35% |
Starting borrower rate/APR:
| 34.35% / 38.06% |
Starting monthly payment:
| $134.61 |
| |
|
Auction yield range:
| 13.79% - 33.35% |
Estimated loss impact:
| 15.74% | | |
|
Lender servicing fee:
| 1.00% |
Estimated return:
| 17.61% | | |
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
|
Prosper score (1-10):
| 5 |
First credit line:
| Apr-2002 |
Debt/Income ratio:
| 49% |
|
Credit score:
| 660-679 (Sep-2010) |
Inquiries last 6m:
| 0 | Employment status: | Employed |
|
Now delinquent:
| 0 |
Current / open credit lines:
| 6
/
6 | Length of status: | 0y 0m |
|
Amount delinquent:
| $0 |
Total credit lines:
| 12 |
Occupation: | Student - College G... |
|
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $3,485 | Stated income: | $1-$24,999 |
|
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 77% | | |
| | |
Homeownership:
| No | | |
|
Screen name:
| visionary-commitment4 |
Borrower's state:
| WestVirginia |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Description
graduate school student
Purpose of loan:
This loan will be used to?
pay my out of state tuition for the next year until I become a resident of WV and can obtain residency and financial aid for graduate school.?
My financial situation:
I am a good candidate for this loan because?
I consider myself financially responsible and am never late on payments, but at the end of this summer I had to quit my previous job, relocate across the country, enroll and pay out of state tuition to attend graduate school.? I am not eligible for financial aid because I am not a full-time student and will not be able to be full-time until next fall.? Until then I am trying to pay out of pocket and the monthly payments are extremely expensive.? I have found two part-time jobs to help me along, I am working at a cafe four days a week and also as a lab assistant two days a week.? I will be back on my feet within the 3-4 months, but at the present moment am having a very hard time making the monthly payments to the university.
Monthly net income: $
500
Monthly expenses: $
??Housing: $
100
??Insurance: $
0 (student health insurance)
??Car expenses: $
50
??Utilities: $
0 (I am living with a family member currently)
??Phone, cable, internet: $ 30
??Food, entertainment: $
100
??Clothing, household expenses $
50
??Credit cards and other loans: $
50
??Other expenses: $
0
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
477283
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
|
Amount:
| $1,000.00 |
Prosper Rating:
| D |
Auction Duration:
| 7 days
|
|
Term:
| 36 months |
Estimated loss:
| 10.8% | | |
| | | |
|
|
Starting lender yield:
| 26.50% |
Starting borrower rate/APR:
| 27.50% / 33.56% |
Starting monthly payment:
| $41.09 |
| |
|
Auction yield range:
| 10.79% - 26.50% |
Estimated loss impact:
| 11.46% | | |
|
Lender servicing fee:
| 1.00% |
Estimated return:
| 15.04% | | |
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
|
Prosper score (1-10):
| 8 |
First credit line:
| Sep-1999 |
Debt/Income ratio:
| 13% |
|
Credit score:
| 640-659 (Sep-2010) |
Inquiries last 6m:
| 0 | Employment status: | Employed |
|
Now delinquent:
| 0 |
Current / open credit lines:
| 8
/
7 | Length of status: | 0y 4m |
|
Amount delinquent:
| $0 |
Total credit lines:
| 11 |
Occupation: | Professional |
|
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $9,974 | Stated income: | $50,000-$74,999 |
|
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 93% | | |
| | |
Homeownership:
| Yes | | |
|
Screen name:
| order-empenada4 |
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
Car Repairs
Purpose of loan:
This loan will be used to perform repairs on my car.
My financial situation:
I am a good candidate for this loan because I am a middle aged professional with a well?paying job and?an MBA. The recent recession has been a toll but I?am in a much better financial position and will not miss my loan payments.?
Monthly net income: $ 4649
Monthly expenses: $?3220
? Mortgage??????????????????? 1350??
? Car????????????????????????????? 275??
? Car Insurance???????????????? 85???
??Electric ???????????????????????? 50??
? Gas ????????????????????????????? 40??
? Oil?????????????????????????????? 320????
??Internet/Phone/Cable ??? 150??
? Credit cards ???????????????? 500??
? Car Gas ?????????????????????? 250???
??Food ??????????????????????????? 200
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
477287
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
|
Amount:
| $15,000.00 |
Prosper Rating:
| A |
Auction Duration:
| 7 days
|
|
Term:
| 36 months |
Estimated loss:
| 3.5% | | |
| | | |
|
|
Starting lender yield:
| 10.15% |
Starting borrower rate/APR:
| 11.15% / 13.27% |
Starting monthly payment:
| $492.15 |
| |
|
Auction yield range:
| 3.79% - 10.15% |
Estimated loss impact:
| 3.53% | | |
|
Lender servicing fee:
| 1.00% |
Estimated return:
| 6.62% | | |
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 score (1-10):
| 9 |
First credit line:
| Aug-1995 |
Debt/Income ratio:
| 12% |
|
Credit score:
| 780-799 (Sep-2010) |
Inquiries last 6m:
| 0 | Employment status: | Employed |
|
Now delinquent:
| 0 |
Current / open credit lines:
| 16
/
15 | Length of status: | 5y 3m |
|
Amount delinquent:
| $0 |
Total credit lines:
| 33 |
Occupation: | Executive |
|
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $6,461 | Stated income: | $100,000+ |
|
Delinquencies in last 7y:
| 4 |
Bankcard utilization:
| 40% | | |
| | |
Homeownership:
| Yes | | |
|
Screen name:
| melodious-diversification7 |
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
20s bungalow master suite addition
Purpose of loan:
This loan will be used to supplement a whole house renovation of a 1929 bungalow in the heart of Atlanta, GA. The house is currently a 3 bedroom 1 bath house and will be a 3/2 when completed with an additional 500+ square feet added. The house had the original roof, which was damaged by fire long ago, so I saw this as an opportunity to modernize the property, add a walk-in closet, and upgrade the house's energy efficiency. The project is approximately 1/3 complete, but the original general contractor hired abandoned this project due to bankruptcy. We are set to resume work this week and should be done by Q1 2011 latest.
My financial situation is solid; this house renovation is being financed by savings and mortgage. I work for a rapidly growing lifestyle apparel brand and have been there for more than 5 years.
I am a good candidate for this loan because I am honest and conscientious. Thanks for looking!
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
477289
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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:
| 9.8% | | |
| | | |
|
|
Starting lender yield:
| 24.75% |
Starting borrower rate/APR:
| 25.75% / 29.26% |
Starting monthly payment:
| $602.36 |
| |
|
Auction yield range:
| 10.79% - 24.75% |
Estimated loss impact:
| 10.41% | | |
|
Lender servicing fee:
| 1.00% |
Estimated return:
| 14.34% | | |
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
|
Prosper score (1-10):
| 6 |
First credit line:
| Dec-1983 |
Debt/Income ratio:
| 275% |
|
Credit score:
| 700-719 (Sep-2010) |
Inquiries last 6m:
| 0 | Employment status: | Employed |
|
Now delinquent:
| 0 |
Current / open credit lines:
| 3
/
3 | Length of status: | 3y 1m |
|
Amount delinquent:
| $0 |
Total credit lines:
| 6 |
Occupation: | Other |
|
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $2,913 | Stated income: | $1-$24,999 |
|
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 58% | | |
| | |
Homeownership:
| No | | |
|
Screen name:
| sweetpea428 |
Borrower's state:
| Maryland |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
| Loan history | Payment history | Credit score history |
|
Active / total loans:
| 0 / 1 |
On-time:
| 27 ( 100% )
| 700-719 (Latest)
|
|
Principal borrowed:
| $7,000.00 | < 31 days late:
| 0
( 0% )
| 700-719
(Mar-2008)
|
|
Principal balance:
| $0.85 |
31+ days late:
| 0
( 0% )
|
|
Total payments billed:
| 27 | | |
Description
Buying a family vehicle
Purpose of loan:
This loan will be used to buy a car
My financial situation:
I am a good candidate for this loan because I have excellent credit!
Monthly net income: $
$200-500
Monthly expenses: $
I'm the secondary income!
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
477301
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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:
| 24.0% | | |
| | | |
|
|
Starting lender yield:
| 34.00% |
Starting borrower rate/APR:
| 35.00% / 39.15% |
Starting monthly payment:
| $67.85 |
| |
|
Auction yield range:
| 16.79% - 34.00% |
Estimated loss impact:
| 26.01% | | |
|
Lender servicing fee:
| 1.00% |
Estimated return:
| 7.99% | | |
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 score (1-10):
| 3 |
First credit line:
| Jun-1989 |
Debt/Income ratio:
| 26% |
|
Credit score:
| 620-639 (Sep-2010) |
Inquiries last 6m:
| 3 | Employment status: | Employed |
|
Now delinquent:
| 0 |
Current / open credit lines:
| 14
/
13 | Length of status: | 23y 10m |
|
Amount delinquent:
| $0 |
Total credit lines:
| 31 |
Occupation: | Civil Service |
|
Public records last 12m / 10y:
| 0/ 1 |
Revolving credit balance:
| $8,474 | Stated income: | $50,000-$74,999 |
|
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 45% | | |
| | |
Homeownership:
| No | | |
|
Screen name:
| missileman |
Borrower's state:
| Utah |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
| Loan history | Payment history | Credit score history |
|
Active / total loans:
| 0 / 1 |
On-time:
| 31 ( 89% )
| 620-639 (Latest)
|
|
Principal borrowed:
| $8,000.00 | < 31 days late:
| 4
( 11% )
| 620-639
(Apr-2010)
560-579
(Jan-2008)
560-579
(Dec-2007)
540-559
(Dec-2006)
|
|
Principal balance:
| $0.03 |
31+ days late:
| 0
( 0% )
|
|
Total payments billed:
| 35 | | |
Description
Help for closing costs
Hello, I have had a previous loan with Prosper that has been paid off in full. I am still working at Hill AFB in Utah as Civil Service on Special weapons. I am a 15 year Air Force veteran and with my Civil Service time have 22 and a half years of Federal Service. I am requesting this loan to help with the closing costs on a new condo my wife and I want to purchase, our first home! I am asking you, the community to help me with this endevour for my wife and I to become home owners.
Respectfully yours
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
477313
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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:
| 24.0% | | |
| | | |
|
|
Starting lender yield:
| 17.00% |
Starting borrower rate/APR:
| 18.00% / 21.74% |
Starting monthly payment:
| $54.23 |
| |
|
Auction yield range:
| 16.79% - 17.00% |
Estimated loss impact:
| 24.94% | | |
|
Lender servicing fee:
| 1.00% |
Estimated return:
| -7.94% | | |
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 score (1-10):
| 3 |
First credit line:
| Mar-1989 |
Debt/Income ratio:
| 12% |
|
Credit score:
| 640-659 (Sep-2010) |
Inquiries last 6m:
| 2 | Employment status: | Employed |
|
Now delinquent:
| 0 |
Current / open credit lines:
| 7
/
5 | Length of status: | 6y 2m |
|
Amount delinquent:
| $0 |
Total credit lines:
| 39 |
Occupation: | Professional |
|
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $3,238 | Stated income: | $50,000-$74,999 |
|
Delinquencies in last 7y:
| 2 |
Bankcard utilization:
| 101% | | |
| | |
Homeownership:
| Yes | | |
|
Screen name:
| yewtahman |
Borrower's state:
| Utah |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
| Loan history | Payment history | Credit score history |
|
Active / total loans:
| 1 / 1 |
On-time:
| 36 ( 100% )
| 640-659 (Latest)
|
|
Principal borrowed:
| $2,000.00 | < 31 days late:
| 0
( 0% )
| 600-619
(Sep-2007)
|
|
Principal balance:
| $0.07 |
31+ days late:
| 0
( 0% )
|
|
Total payments billed:
| 36 | | |
Description
Home improvement loan
Purpose of loan:
This loan will be used to begin finishing my basement for a room for my 11 year old boy.
My financial situation:
I am a good candidate for this loan because I have a stable job, paid off my last prosper loan and am only asking for a small amount.
Monthly net income: $ 4700
Monthly expenses: $
??Housing: $ 1503
??Insurance: $ 150
??Car expenses: $ 450?
??Utilities: $ 250
??Phone, cable, internet: $ 75
??Food, entertainment: $?350
??Clothing, household expenses $ 100
??Credit cards and other loans: $ 85
??Other expenses: $ 25
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
477325
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
|
Amount:
| $5,500.00 |
Prosper Rating:
| HR |
Auction Duration:
| 7 days
|
|
Term:
| 36 months |
Estimated loss:
| 18.3% | | |
| | | |
|
|
Starting lender yield:
| 34.00% |
Starting borrower rate/APR:
| 35.00% / 38.72% |
Starting monthly payment:
| $248.80 |
| |
|
Auction yield range:
| 16.79% - 34.00% |
Estimated loss impact:
| 20.31% | | |
|
Lender servicing fee:
| 1.00% |
Estimated return:
| 13.69% | | |
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 score (1-10):
| 4 |
First credit line:
| Aug-2001 |
Debt/Income ratio:
| 43% |
|
Credit score:
| 640-659 (Aug-2010) |
Inquiries last 6m:
| 1 | Employment status: | Employed |
|
Now delinquent:
| 1 |
Current / open credit lines:
| 11
/
10 | Length of status: | 5y 1m |
|
Amount delinquent:
| $0 |
Total credit lines:
| 18 |
Occupation: | Professional |
|
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $5,457 | Stated income: | $25,000-$49,999 |
|
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 89% | | |
| | |
Homeownership:
| No | | |
|
Screen name:
| satisfying-ore |
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 toxic payday loans
Purpose of loan:
This loan will be used to? Pay off payday loans
My financial situation: I'm a good candidate for this loan because I'm currently paying $800 a month to payday loan companies, more than three times the amount my Prosper payment would be, and in two years I have never been late.
Two years ago, when several family members lost their jobs, I tried to help and took out several payday loans. Since then I've been working three jobs just to pay the interest on them. This loan would let me pay off these loans and leave me with $500 a month to put toward an emergency fund, so we never have to end up in this situation again.
A breakdown of my income looks like this: At my fulltime job?I make 1639.90/month, and I have been working there for 5 years (if nothing else I am loyal). My part time job I work on weekends, and make 454.54/month.? I get paid 3 times in October and April for both of these jobs?(An extra 1046.46 those months, but because of the payday loans I end up paying $1200/month?in interest during those months). My 3rd job is seasonal, starting in September through June, I have been working for them for 3 years, there I bring in $200/month, but I did not include that in my monthly income because of it being a seasonal position.??
Expenses: I split rent with my boyfriend; all of our utilities are included in the rent except for cable and phone, which we also split. I only have a year of payments left on my car and I only have 2 years of payments on all of my credit cards. Here is my projected financial breakdown as a whole:
Monthly net income: $ 2094.44
Projected Expenses (after receiving prosper loan and paying of payday loans): $ 1433.80
Monthly expenses before Prosper Loan: $ 1985.62?
Housing: $ 350
Insurance: $ 100
Car expenses: $ 200.62
Utilities: $?0
Phone, cable, internet: $ 85
Food, entertainment: $ 100
Clothing, household expenses $ 50
Credit cards and other loans: $?1100 (548.80 after prosper loan)?
I am 27 years old, my goal is to be debt free (with the exception of my student loan) by the age of 30. I have made mistakes in my financial life, I often go without because of these mistakes, and I need help getting back on track, that?s where this loan would come in. I want to be able to take a day off my full time job without picking up extra hours at my part time job, or feeling guilty about not picking up those hours because I just want a day off. I want to have the gas money to go visit my friends again. I want to be able to buy Christmas presents and birthday gifts for my nieces and nephew. I just want to do what many of us take for granted on a daily basis, what I took for granted; I want to be able to live my life.
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
477353
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
|
Amount:
| $5,500.00 |
Prosper Rating:
| HR |
Auction Duration:
| 7 days
|
|
Term:
| 36 months |
Estimated loss:
| 18.3% | | |
| | | |
|
|
Starting lender yield:
| 23.00% |
Starting borrower rate/APR:
| 24.00% / 27.48% |
Starting monthly payment:
| $215.78 |
| |
|
Auction yield range:
| 16.79% - 23.00% |
Estimated loss impact:
| 19.62% | | |
|
Lender servicing fee:
| 1.00% |
Estimated return:
| 3.38% | | |
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
|
Prosper score (1-10):
| 6 |
First credit line:
| Sep-1992 |
Debt/Income ratio:
| 50% |
|
Credit score:
| 640-659 (Sep-2010) |
Inquiries last 6m:
| 0 | Employment status: | Employed |
|
Now delinquent:
| 0 |
Current / open credit lines:
| 14
/
12 | Length of status: | 3y 6m |
|
Amount delinquent:
| $0 |
Total credit lines:
| 49 |
Occupation: | Analyst |
|
Public records last 12m / 10y:
| 0/ 1 |
Revolving credit balance:
| $8,372 | Stated income: | $25,000-$49,999 |
|
Delinquencies in last 7y:
| 3 |
Bankcard utilization:
| 67% | | |
| | |
Homeownership:
| No | | |
|
Screen name:
| lasm1989 |
Borrower's state:
| NorthCarolina |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
| Loan history | Payment history | Credit score history |
|
Active / total loans:
| 1 / 2 |
On-time:
| 15 ( 100% )
| 640-659 (Latest)
|
|
Principal borrowed:
| $7,000.00 | < 31 days late:
| 0
( 0% )
| 640-659
(Oct-2009)
640-659
(Sep-2009)
620-639
(Oct-2008)
640-659
(Apr-2008)
|
|
Principal balance:
| $2,365.38 |
31+ days late:
| 0
( 0% )
|
|
Total payments billed:
| 15 | | |
Description
Pay off high interest credit cards
Purpose of loan:
This loan will be used to?pay off those high interest credit cards?
My financial situation:
I am a good candidate for this loan because? I have repaid one prosper loan and also have a current loan now and have not missed a payment. I have work hard to keep my credit score steady. I have not been late on any credit card payment or any other payment (auto, loans) in the past 6 years. I have an extra $770.00 a month if needed to help repay this loan and?if asked by prosper to provide documentation (bank statements etc.) I will do so. Thank you
Monthly net income: $1623.00
Monthly expenses: $
??Housing: $ 0
??Insurance: $ 77.00
??Car expenses: $225.00
??Utilities: $ 120.00
??Phone, cable, internet: $?110.00
??Food, entertainment: $ 150.00
??Clothing, household expenses $
??Credit cards and other loans: $ 650.00
??Other expenses: $
Information in the Description is not verified.