Listing Report:Supplement No. 58 dated Sep 30, 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
454448
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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):
| 6 |
First credit line:
| Jul-1993 |
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:
| 4
/
2 | Length of status: | 8y 11m |
Amount delinquent:
| $0 |
Total credit lines:
| 11 |
Occupation: | Other |
Public records last 12m / 10y:
| 0/ 1 |
Revolving credit balance:
| $3,298 | Stated income: | $25,000-$49,999 |
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 94% | | |
| |
Homeownership:
| No | | |
Screen name:
| nc_cbs |
Borrower's state:
| NorthCarolina |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan history | Payment history | Credit score history |
Active / total loans:
| 0 / 1 |
On-time:
| 34 ( 97% )
| 640-659 (Latest)
|
Principal borrowed:
| $1,000.00 | < 31 days late:
| 1
( 3% )
| 640-659
(Aug-2008)
600-619
(Apr-2008)
600-619
(Jan-2008)
620-639
(Nov-2006)
|
Principal balance:
| $0.02 |
31+ days late:
| 0
( 0% )
|
Total payments billed:
| 35 | | |
Description
My loan for an auto purchase
This loan will be used to buy a used car. Our current vehicle is is simply too expensive to maintain and gas is costing us a fortune every month. We are going to purchase a well cared for used car with fuel economy in the 30 mpg range. The money saved on fuel alone will pay for this loan, plus, we will be selling our current automobile. Thanks for your consideration.
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
472226
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount:
| $11,000.00 |
Prosper Rating:
| AA |
Auction Duration:
| 7 days
|
Term:
| 36 months |
Estimated loss:
| 1.3% | | |
| | |
|
Starting lender yield:
| 3.00% |
Starting borrower rate/APR:
| 4.00% / 4.33% |
Starting monthly payment:
| $324.76 |
|
Auction yield range:
| 2.79% - 3.00% |
Estimated loss impact:
| 1.29% | | |
Lender servicing fee:
| 1.00% |
Estimated return:
| 1.71% | | |
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10):
| 10 |
First credit line:
| Sep-1997 |
Debt/Income ratio:
| 5% |
Credit score:
| 820-839 (Sep-2010) |
Inquiries last 6m:
| 0 | Employment status: | Employed |
Now delinquent:
| 0 |
Current / open credit lines:
| 6
/
6 | Length of status: | 3y 11m |
Amount delinquent:
| $0 |
Total credit lines:
| 28 |
Occupation: | Professional |
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $7,059 | Stated income: | $100,000+ |
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 12% | | |
| |
Homeownership:
| Yes | | |
Screen name:
| turtleafmd |
Borrower's state:
| Maryland |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan history | Payment history | Credit score history |
Active / total loans:
| 1 / 2 |
On-time:
| 29 ( 100% )
| 820-839 (Latest)
|
Principal borrowed:
| $2,800.00 | < 31 days late:
| 0
( 0% )
| 840-859
(Jan-2010)
780-799
(Apr-2008)
|
Principal balance:
| $1,229.11 |
31+ days late:
| 0
( 0% )
|
Total payments billed:
| 29 | | |
Description
www.PurseGadgets.com
Purpose of loan:
This loan will be used to inject cash into my business for increasing the product line and improve the marketing arm by buying more advertisements
My financial situation:
I am a good candidate for this loan because the business is a a hobby of mine. I have an excellent credit history.
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
475092
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount:
| $7,000.00 |
Prosper Rating:
| HR |
Auction Duration:
| 7 days
|
Term:
| 36 months |
Estimated loss:
| 18.3% | | |
| | |
|
Starting lender yield:
| 16.79% |
Starting borrower rate/APR:
| 17.79% / 21.14% |
Starting monthly payment:
| $252.33 |
|
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:
| Apr-1999 |
Debt/Income ratio:
| 42% |
Credit score:
| 680-699 (Sep-2010) |
Inquiries last 6m:
| 1 | Employment status: | Employed |
Now delinquent:
| 1 |
Current / open credit lines:
| 16
/
15 | Length of status: | 4y 11m |
Amount delinquent:
| $134 |
Total credit lines:
| 32 |
Occupation: | Clerical |
Public records last 12m / 10y:
| 0/ 1 |
Revolving credit balance:
| $8,460 | Stated income: | $25,000-$49,999 |
Delinquencies in last 7y:
| 7 |
Bankcard utilization:
| 75% | | |
| |
Homeownership:
| No | | |
Screen name:
| wise-sparkling-economy |
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 my HSBC loan
Purpose of loan:
This loan will be used to? Is to find a lower intrest rate for the HSBC loan
My financial situation:
I am a good candidate for this loan because? I am a responsible adult capable of making my monthly payments
Monthly net income: $ 2567.00????????????
Monthly expenses: $
??Housing: $?-0-?My husband pays the mortage
??Insurance: $ 85.00
??Car expenses: $ 275.00
??Utilities: $ -0-
??Phone, cable, internet: $ -0-
??Food, entertainment: $ -0-
??Clothing, household expenses $ 100
??Credit cards and other loans: $ 16,210
??Other expenses: $
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
477412
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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:
| Dec-1990 |
Debt/Income ratio:
| 24% |
Credit score:
| 780-799 (Sep-2010) |
Inquiries last 6m:
| 0 | Employment status: | Employed |
Now delinquent:
| 0 |
Current / open credit lines:
| 14
/
13 | Length of status: | 2y 4m |
Amount delinquent:
| $0 |
Total credit lines:
| 32 |
Occupation: | Administrative Assi... |
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $9,010 | Stated income: | $50,000-$74,999 |
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 17% | | |
| |
Homeownership:
| No | | |
Screen name:
| mindful-deal2 |
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
Cutting up credit cards
Purpose of loan:
This loan will be used to consolidate and pay off higher interest credit card debt.
My financial situation:
I am a good candidate for this loan because it will reduce my total monthly?outflow. My credit history shows that I pay my debts on time. That will not change; this will simply enable me to pay the debt off sooner.
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
477510
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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):
| 7 |
First credit line:
| Apr-1995 |
Debt/Income ratio:
| 12% |
Credit score:
| 720-739 (Sep-2010) |
Inquiries last 6m:
| 4 | Employment status: | Employed |
Now delinquent:
| 0 |
Current / open credit lines:
| 5
/
3 | Length of status: | 7y 8m |
Amount delinquent:
| $0 |
Total credit lines:
| 8 |
Occupation: | Executive |
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $3,211 | Stated income: | $100,000+ |
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 25% | | |
| |
Homeownership:
| No | | |
Screen name:
| pure-dedication4 |
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
I am looking for a debt consolidation loan to reduce some outstanding bills and increase my credit history. A Few years ago I went through a tough divorce. It is over now. However, all my credit was in my husband?s name. I have been reestablishing my credit over the past year. I have some outstanding medical debts that I have been paying. Thought they would report to the credit bureaus. I am looking for the loan so I can pay off those medical bills (son broke his arm, needed surgery) and establish a loan that reports to the credit agencies.
I have been at the same job for over 7 years and make a good living. I have never been late on my bills and have paid off two personal loans early over the past year, one for $10,000 and the other for 2,500. I am looking to keep this loan for a little over 6 months as I have done with my past loans so that I will increase my credit history.
The only debt I have besides the medical bills of $5,500 is an auto loan for $600.00 a month and a credit card with a small balance that I use for my travel expenses when I have to travel for business.
Net Income Per Month?????????????$7,882.54
Rental?????????????????????$1,500.00
Insurance?????????????????????$78.00
Auto Payment???????????? $600.00
Car Expenses???????????? $125.00
Medical Bills????????????????$500.00?????????????????Would be replacing this bill with the prosper loan
Misc?????????????????????????????$500.00
Utilities?????????????????????????$350.00
Phone, Cable Internet???? $100.00
Food Entertainment?????????$800.00
Total Expenses?????????$4,553.00
Net Disposable Income????????????$3,329.54
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
477528
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount:
| $6,500.00 |
Prosper Rating:
| D |
Auction Duration:
| 7 days
|
Term:
| 36 months |
Estimated loss:
| 10.8% | | |
| | |
|
Starting lender yield:
| 32.00% |
Starting borrower rate/APR:
| 33.00% / 36.68% |
Starting monthly payment:
| $286.72 |
|
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):
| 7 |
First credit line:
| Jul-2007 |
Debt/Income ratio:
| 16% |
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:
| 440+ Supporting Lenders. Get FUNDED @ LOWER % than ANY group |
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Description
new business venture Please help
Purpose of loan:
A friend and I created a website that is set to launch within the next month and the idea and scope of the website is so solid that it has the opportunity to become a very popular website. We also currently have two?Angel Investors who?loved the business plan however wanted to see a?prototype of the website and its functions which is where the problem lies.?We?lack?the necessary funds to finance the?prototype website. ?We have currently reached the middle of construction on our website and have run out of finances. We have a little less than 50% left to finish the website and are in dire need of help. This loan will be used to help fund a new business venture. Cant do this without the help of others so I am asking...Please help me with this loan.
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: $ 2200
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
477546
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount:
| $3,500.00 |
Prosper Rating:
| E |
Auction Duration:
| 7 days
|
Term:
| 36 months |
Estimated loss:
| 14.2% | | |
| | |
|
Starting lender yield:
| 33.35% |
Starting borrower rate/APR:
| 34.35% / 38.06% |
Starting monthly payment:
| $157.04 |
|
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
I need a loan for my fall semester
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
477568
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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:
| 16.99% |
Starting borrower rate/APR:
| 17.99% / 21.34% |
Starting monthly payment:
| $271.11 |
|
Auction yield range:
| 16.79% - 16.99% |
Estimated loss impact:
| 24.94% | | |
Lender servicing fee:
| 1.00% |
Estimated return:
| -7.95% | | |
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10):
| 3 |
First credit line:
| May-1984 |
Debt/Income ratio:
| 92% |
Credit score:
| 700-719 (Sep-2010) |
Inquiries last 6m:
| 1 | Employment status: | Employed |
Now delinquent:
| 0 |
Current / open credit lines:
| 17
/
15 | Length of status: | 5y 2m |
Amount delinquent:
| $0 |
Total credit lines:
| 30 |
Occupation: | Food Service |
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $63,376 | Stated income: | $25,000-$49,999 |
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 95% | | |
| |
Homeownership:
| Yes | | |
Screen name:
| spirited-return6 |
Borrower's state:
| Pennsylvania |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Description
Paying off my credit cards
Purpose of loan:
This loan will be used to?cosolidate higher interest credit cards
My financial situation:
I am a good candidate for this loan because? I pay my bills on time and am looking for some relief from high interest rates.? My total income cannot be verified?by W2 or pay stubs as my one job is as a waitress and my emplyer uses a formula set forth by the Federal government to report my tips.? I?also have a housemate who has lived with me for fourteen years and helps pay the bills.???
Monthly net income: $ 3116
Monthly expenses: $
??Housing: $ 641
??Insurance: $ 87
??Car expenses: $?40??Utilities: $?150? I pay half??Phone, cable, internet: $ 150 I pay 25%
??Food, entertainment: $?25??Clothing, household expenses $ 20
??Credit cards and other loans: $ 2230
??Other expenses: $ 0
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
477570
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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):
| 5 |
First credit line:
| Sep-1999 |
Debt/Income ratio:
| Self-employed (DTI Not Calculated) |
Credit score:
| 640-659 (Sep-2010) |
Inquiries last 6m:
| 1 | Employment status: | Self-employed |
Now delinquent:
| 0 |
Current / open credit lines:
| 4
/
4 | Length of status: | 3y 8m |
Amount delinquent:
| $0 |
Total credit lines:
| 23 |
Occupation: | Other |
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $2,056 | Stated income: | $50,000-$74,999 |
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 62% | | |
| |
Homeownership:
| No | | |
Screen name:
| intuitive-funds7 |
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 Wedding expenses
Purpose of loan:
This loan will be used to pay off wedding expenses
My financial situation:
I am a good candidate for this loan because I have been working hard on keeping and maintaining a good credit score for ten years.? I plan on paying off this loan ahead of time including sizable payments toward the principal amount every few months.?
Monthly net income: $
5,500
Monthly expenses: $
??Housing: $
1600
??Insurance: $ 200
??Car expenses: $
650
??Utilities: $
296
??Phone, cable, internet: $
190
??Food, entertainment: $
400
??Clothing, household expenses $
100
??Credit cards and other loans: $ 230
??Other expenses: $
0
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
477624
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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:
| Apr-1990 |
Debt/Income ratio:
| Not calculated |
Credit score:
| 680-699 (Sep-2010) |
Inquiries last 6m:
| 0 | Employment status: | Not employed |
Now delinquent:
| 1 |
Current / open credit lines:
| 7
/
5 | Length of status: | 1y 7m |
Amount delinquent:
| $445 |
Total credit lines:
| 31 | Stated income: | Not employed |
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $7,524 | |
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 53% | | |
| |
Homeownership:
| No | | |
Screen name:
| peaceful-moola1 |
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
ATP License required to keep job
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
477648
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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):
| 6 |
First credit line:
| Jul-1979 |
Debt/Income ratio:
| 21% |
Credit score:
| 760-779 (Sep-2010) |
Inquiries last 6m:
| 0 | Employment status: | Employed |
Now delinquent:
| 1 |
Current / open credit lines:
| 14
/
13 | Length of status: | 23y 2m |
Amount delinquent:
| $512 |
Total credit lines:
| 42 |
Occupation: | Pilot - Private/Com... |
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $17,475 | Stated income: | $100,000+ |
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 62% | | |
| |
Homeownership:
| Yes | | |
Screen name:
| circuit0 |
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
Obtaining ATP rating to keep job
Purpose of loan:
This loan will be used to?further my employment with the addition of an Airline Transport Rating to remain employed in my current job.
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
477660
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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-1996 |
Debt/Income ratio:
| 39% |
Credit score:
| 680-699 (Sep-2010) |
Inquiries last 6m:
| 1 | Employment status: | Employed |
Now delinquent:
| 1 |
Current / open credit lines:
| 6
/
7 | Length of status: | 3y 0m |
Amount delinquent:
| $13,250 |
Total credit lines:
| 27 |
Occupation: | Truck Driver |
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $13,930 | Stated income: | $50,000-$74,999 |
Delinquencies in last 7y:
| 7 |
Bankcard utilization:
| 84% | | |
| |
Homeownership:
| Yes | | |
Screen name:
| credit-gazelle312 |
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
Finishing Home Repair
I am requesting this?loan to?finish up some repairs to my home after sustaining damage from a previous renter. The delinquency on my credit is stimulated from me purposely not paying my mortgage in order to get the bank to work with me and modify my home loan. After two years it has now been finalized, but my credit has not reflected it yet because the terms don?t begin until 11/2010.?Outside of what i did to obtain my new mortgage I have never been late on any other debt I have ever owed.
I work for California State Automobile Association and I also work for Alameda County In Home Supportive Services. My take home pay from both jobs net to $4365. My debt is as follows;
(A) New Mortgage - $1212
(B) Two Car Notes - $800
(C) Credit Card - $450
(D) Child Support - $190
(E) Insurance - $150
(F) Misc - $275
My total debt comes to approximately $3100 per month.
I am open to any questions.
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
477674
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount:
| $10,000.00 |
Prosper Rating:
| B |
Auction Duration:
| 7 days
|
Term:
| 36 months |
Estimated loss:
| 6.0% | | |
| | |
|
Starting lender yield:
| 7.00% |
Starting borrower rate/APR:
| 8.00% / 10.08% |
Starting monthly payment:
| $313.36 |
|
Auction yield range:
| 5.79% - 7.00% |
Estimated loss impact:
| 6.05% | | |
Lender servicing fee:
| 1.00% |
Estimated return:
| 0.95% | | |
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10):
| 9 |
First credit line:
| Jun-2005 |
Debt/Income ratio:
| 13% |
Credit score:
| 700-719 (Sep-2010) |
Inquiries last 6m:
| 2 | Employment status: | Employed |
Now delinquent:
| 0 |
Current / open credit lines:
| 9
/
9 | Length of status: | 0y 2m |
Amount delinquent:
| $0 |
Total credit lines:
| 18 |
Occupation: | Computer Programmer |
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $12,063 | Stated income: | $100,000+ |
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 26% | | |
| |
Homeownership:
| No | | |
Screen name:
| gentle-generosity7 |
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 Cosolidation
Purpose of loan:
I need this loan to pay off my credit card which has an higher APR, I used the money from my credit card for my marriage expenses.
My financial situation: I am financially stable with good salary in a good job. I am married with no children
I am a good candidate for this loan because?I have a Bachelors and Masters in Computer Science with GPA greater than 3.7. I am working in the information technology field since Jan 2003 and have never been out of job since then. I work in a well reputed firm which is the sole provider to all the modems and gateways for ATT.
Monthly net income: $8750
Monthly expenses: Around $2500
??Housing:1060 $
??Insurance:200 $
??Car expenses:100 $
??Utilities:100 $
??Phone, cable, internet:100 $
??Food, entertainment:200 $
??Clothing, household expenses $100
??Credit cards and other loans: $700
??Other expenses: $
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
477680
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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:
| Jun-1991 |
Debt/Income ratio:
| 53% |
Credit score:
| 720-739 (Sep-2010) |
Inquiries last 6m:
| 4 | Employment status: | Employed |
Now delinquent:
| 0 |
Current / open credit lines:
| 12
/
7 | Length of status: | 14y 9m |
Amount delinquent:
| $0 |
Total credit lines:
| 46 |
Occupation: | Other |
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $9,129 | Stated income: | $25,000-$49,999 |
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 31% | | |
| |
Homeownership:
| Yes | | |
Screen name:
| tender-trade0 |
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 / 1 |
On-time:
| 6 ( 100% )
| 720-739 (Latest)
|
Principal borrowed:
| $5,000.00 | < 31 days late:
| 0
( 0% )
| 720-739
(Mar-2010)
|
Principal balance:
| $4,260.94 |
31+ days late:
| 0
( 0% )
|
Total payments billed:
| 6 | | |
Description
Cutting Interest
Purpose of loan:
This loan will be used to?
Pay down a higher interest debt and complete some of the home upgrades I started.? I am hoping to refinance and cut some interest on my home loan, too! :-)
My financial situation:
I am a good candidate for this loan because?
I am dutiful in paying my debts.? Still working on the credit card debt, faithfully.? By the time my Prosper loan is paid, I expect to have only car and home notes.? Then I can help others like I have been helped.
Monthly net income: $ 3500.00
Monthly expenses: $ 2550.00
??Housing: $ 442.00
??Insurance: $?98.00
??Car expenses: $ 480.00
??Utilities: $300.00
??Phone, cable, internet: $ 250.00
??Food, entertainment: $ 150.00
??Clothing, household expenses $ 75
??Credit cards and other loans: $ 600.00
??Other expenses: $ 150.00
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
477700
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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:
| Sep-1985 |
Debt/Income ratio:
| 42% |
Credit score:
| 680-699 (Aug-2010) |
Inquiries last 6m:
| 1 | Employment status: | Employed |
Now delinquent:
| 0 |
Current / open credit lines:
| 19
/
16 | Length of status: | 3y 5m |
Amount delinquent:
| $0 |
Total credit lines:
| 41 |
Occupation: | Administrative Assi... |
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $4,233 | Stated income: | $25,000-$49,999 |
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 31% | | |
| |
Homeownership:
| No | | |
Screen name:
| flexible-transaction8 |
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:
| 10 ( 100% )
| 680-699 (Latest)
|
Principal borrowed:
| $2,500.00 | < 31 days late:
| 0
( 0% )
| 640-659
(Oct-2009)
|
Principal balance:
| $2,034.21 |
31+ days late:
| 0
( 0% )
|
Total payments billed:
| 10 | | |
Description
Paying off debts
Purpose of loan:
This loan will be used to pay off existing loan balance and additional bills.
My financial situation:
I am currently getting ready to move and am working on paying off?some of my monthly bills, including my current Prosper loan.? This loan would also be used to pay off 3?high interest credit cards?allowing me to have more?money?each month to continue to pay off balances.? I?assure you that I am?a?reliable and ideal?candidate for this loan because I havealways?been on time with all my payments since my last loan as well as my other monthly bills.? Thank you in advance for your bid!!
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
477704
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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:
| 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:
| 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:
| Aug-2007 |
Debt/Income ratio:
| 24% |
Credit score:
| 680-699 (Sep-2010) |
Inquiries last 6m:
| 6 | Employment status: | Employed |
Now delinquent:
| 0 |
Current / open credit lines:
| 2
/
2 | Length of status: | 2y 1m |
Amount delinquent:
| $0 |
Total credit lines:
| 9 |
Occupation: | Postal Service |
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $190 | Stated income: | $1-$24,999 |
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 7% | | |
| |
Homeownership:
| No | | |
Screen name:
| ore-magnate |
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 Personal Debt
Purpose of loan:
This loan will be used to?
To settle a debt with an outside sorce so i can continue my education without worry
My financial situation:
I am a good candidate for this loan because?
Im young but i can handle a credit payment quite well
Monthly net income: $
800
Monthly expenses: $
??Housing: $?
??Insurance: $
??Car expenses: $
??Utilities: $
??Phone, cable, internet: $
??Food, entertainment: $100
??Clothing, household expenses $
??Credit cards and other loans: $
??Other expenses: $?Transportation - $89?
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
477718
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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:
| Feb-1996 |
Debt/Income ratio:
| 11% |
Credit score:
| 760-779 (Sep-2010) |
Inquiries last 6m:
| 2 | Employment status: | Employed |
Now delinquent:
| 0 |
Current / open credit lines:
| 6
/
5 | Length of status: | 6y 10m |
Amount delinquent:
| $0 |
Total credit lines:
| 13 |
Occupation: | Sales - Commission |
Public records last 12m / 10y:
| 0/ 1 |
Revolving credit balance:
| $2,078 | Stated income: | $75,000-$99,999 |
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 68% | | |
| |
Homeownership:
| Yes | | |
Screen name:
| interest-sushi4 |
Borrower's state:
| Minnesota |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Description
Loan for IVF
Purpose of loan:
This loan will be used to pay for IVF treatment so my wife and I can have a child.
My financial situation:
I am a good candidate for this loan because I pay my bills and have steady income.
Monthly net income: $ 3400
Monthly expenses: $
??Housing: $ 1654
??Insurance: $ 190
??Car expenses: $ 250
??Utilities: $?150
??Phone, cable, internet: $ 200
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
477736
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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):
| 2 |
First credit line:
| May-2006 |
Debt/Income ratio:
| 16% |
Credit score:
| 660-679 (Sep-2010) |
Inquiries last 6m:
| 3 | Employment status: | Employed |
Now delinquent:
| 0 |
Current / open credit lines:
| 3
/
3 | Length of status: | 1y 9m |
Amount delinquent:
| $0 |
Total credit lines:
| 6 |
Occupation: | Sales - Retail |
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:
| scrappy-bonus9 |
Borrower's state:
| SouthDakota |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Description
paying off debt
Purpose of loan:
This loan will be used to?
My financial situation:
I am a good candidate for this loan because?
Monthly net income: $
Monthly expenses: $
??Housing: $
??Insurance: $
??Car expenses: $
??Utilities: $
??Phone, cable, internet: $
??Food, entertainment: $
??Clothing, household expenses $
??Credit cards and other loans: $
??Other expenses: $
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
477742
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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:
| Jan-1994 |
Debt/Income ratio:
| 27% |
Credit score:
| 640-659 (Sep-2010) |
Inquiries last 6m:
| 1 | Employment status: | Employed |
Now delinquent:
| 1 |
Current / open credit lines:
| 5
/
6 | Length of status: | 9y 0m |
Amount delinquent:
| $404 |
Total credit lines:
| 23 |
Occupation: | Teacher |
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $10,153 | Stated income: | $75,000-$99,999 |
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 93% | | |
| |
Homeownership:
| Yes | | |
Screen name:
| adorable-deal8 |
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
Consolidating credit
Purpose of loan:
This loan will be used to? consolidate loans.
My financial situation:
I am a good candidate for this loan because? I have a high steady income.
Monthly net income: $ 4100.00
Monthly expenses: $
??Housing: $ 808????
??Insurance: $ 80
??Car expenses: $ 0
??Utilities: $ 25
??Phone, cable, internet: $ 147????
??Food, entertainment: $ 400
??Clothing, household expenses $ 100
??Credit cards and other loans: $ 700
??Other expenses: $
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
477746
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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:
| 9.8% | | |
| | |
|
Starting lender yield:
| 24.75% |
Starting borrower rate/APR:
| 25.75% / 31.75% |
Starting monthly payment:
| $40.16 |
|
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:
| Sep-1999 |
Debt/Income ratio:
| 21% |
Credit score:
| 700-719 (Sep-2010) |
Inquiries last 6m:
| 0 | Employment status: | Employed |
Now delinquent:
| 2 |
Current / open credit lines:
| 12
/
11 | Length of status: | 1y 6m |
Amount delinquent:
| $541 |
Total credit lines:
| 29 |
Occupation: | Computer Programmer |
Public records last 12m / 10y:
| 0/ 1 |
Revolving credit balance:
| $1,735 | Stated income: | $50,000-$74,999 |
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 22% | | |
| |
Homeownership:
| Yes | | |
Screen name:
| courageous-p2p |
Borrower's state:
| Florida |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan history | Payment history | Credit score history |
Active / total loans:
| 1 / 1 |
On-time:
| 12 ( 100% )
| 700-719 (Latest)
|
Principal borrowed:
| $1,000.00 | < 31 days late:
| 0
( 0% )
| 700-719
(Sep-2009)
|
Principal balance:
| $698.84 |
31+ days late:
| 0
( 0% )
|
Total payments billed:
| 12 | | |
Description
Need Loan For a Couple Of Months
Purpose of loan:
Will be used for emergency bills?my son had to go to several specialists that were not covered by health insurance completely and we had to pay out of pocket. I need this loan for my other bills and will be payed off in a couple of months as I get caught up. Thanks!
My financial situation:
I am a good candidate for this loan because I have a steady job and great work history
Monthly net income: $? 65,000
Thanks!
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
477752
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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:
| Nov-1994 |
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:
| 17
/
16 | Length of status: | 1y 1m |
Amount delinquent:
| $0 |
Total credit lines:
| 33 |
Occupation: | Computer Programmer |
Public records last 12m / 10y:
| 0/ 1 |
Revolving credit balance:
| $11,002 | Stated income: | $50,000-$74,999 |
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 48% | | |
| |
Homeownership:
| Yes | | |
Screen name:
| red-silver-mason |
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 bills
Purpose of loan:
This loan will be used to Pay off Bills.
My financial situation:
I am a good candidate for this loan because I am looking to eliminate my credit card debt and move forward with securing my future financially.
Monthly net income: $ 2100
Monthly expenses: $?1700
??Housing: $ 600
??Insurance: $ 150
??Car expenses: $ 250
??Utilities: $
??Phone, cable, internet: $ 100
Food, entertainment: $
??Clothing, household expenses $
??Credit cards and other loans: $ 600
??Other expenses: $
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
477760
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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:
| 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
477764
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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:
| Apr-1983 |
Debt/Income ratio:
| Self-employed (DTI Not Calculated) |
Credit score:
| 640-659 (Sep-2010) |
Inquiries last 6m:
| 3 | Employment status: | Self-employed |
Now delinquent:
| 0 |
Current / open credit lines:
| 13
/
11 | Length of status: | 5y 8m |
Amount delinquent:
| $0 |
Total credit lines:
| 26 |
Occupation: | Other |
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $294,167 | Stated income: | $1-$24,999 |
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 99% | | |
| |
Homeownership:
| Yes | | |
Screen name:
| indomitable-fairness0 |
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
Purchase of Cafe Equipment
Purpose of loan:
The loan is for expansion of?a specialty?bookstore?that sells a unique collection of new books. The loan will be used to pay for cafe equipment at the bookstore. Our collection focuses on international fiction and non-fiction, with a focus on the arts. This type of store is unique in our metropolitan area.?It is differentiated from other bookstores in the area because of its stock of foreign language books, DVDs and music. The store has been in business since August 2008.
I have an excellent opportunity to purchase the equipment and starting inventory. The price offered is $7,500. There is an excellent opportunity for expansion. The store includes a 500 square foot area perfect for additional cafe seating. We are located in an upscale neighborhood, next to cafes, boutiques and spas and salons. Tourists from around the world are attracted to the area and to our store.
The Equipment:
The Seller is offering to sell me a custom-built espresso kiosk that includes an electrical and plumbing system and a commercial refrigerator. The Seller believes the store is the perfect place for the equpment. The espresso kiosk system originally cost $15,000.
My financial situation:
I'm?a?sole proprietor. I've?always had excellent credit, in the 800 range.?I have a high debt-to-income ratio. My credit score is 692 (Equifax).
Please contact me for additional information including a link to our website and photos of the equipment.
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
477772
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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):
| 2 |
First credit line:
| Mar-2004 |
Debt/Income ratio:
| 26% |
Credit score:
| 700-719 (Sep-2010) |
Inquiries last 6m:
| 0 | Employment status: | Employed |
Now delinquent:
| 0 |
Current / open credit lines:
| 5
/
5 | Length of status: | 4y 5m |
Amount delinquent:
| $0 |
Total credit lines:
| 6 |
Occupation: | Other |
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $177 | Stated income: | $1-$24,999 |
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 0% | | |
| |
Homeownership:
| No | | |
Screen name:
| cannon886 |
Borrower's state:
| Minnesota |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Description
paying off my school loan
Purpose of loan:
This loan will be used to? pay off all my debt from when I was in school. There isn't too much left but paying so many different bills is frusterating.
My financial situation:
I am a good candidate for this loan because? I haven't gotten in over my head. I have no problem making any of my payments, I just would prefer to have one payment rather than these small amount payments that pop up?scattered during the month.?
Monthly net income: $ 1500
Monthly expenses: $ 700
??Housing: $ 0
??Insurance: $ 100
??Car expenses: $ 200?
??Utilities: $ 0
??Phone, cable, internet: $ 100?
??Food, entertainment: $?150
??Clothing, household expenses $ 100
??Credit cards and other loans: $ 150
??Other expenses: $ 0
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
477778
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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:
| 17.75% |
Starting borrower rate/APR:
| 18.75% / 22.12% |
Starting monthly payment:
| $273.97 |
|
Auction yield range:
| 16.79% - 17.75% |
Estimated loss impact:
| 19.28% | | |
Lender servicing fee:
| 1.00% |
Estimated return:
| -1.53% | | |
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10):
| 4 |
First credit line:
| Oct-1985 |
Debt/Income ratio:
| 39% |
Credit score:
| 700-719 (Sep-2010) |
Inquiries last 6m:
| 1 | Employment status: | Employed |
Now delinquent:
| 0 |
Current / open credit lines:
| 22
/
13 | Length of status: | 23y 9m |
Amount delinquent:
| $0 |
Total credit lines:
| 66 |
Occupation: | Executive |
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $29,052 | Stated income: | $75,000-$99,999 |
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 95% | | |
| |
Homeownership:
| Yes | | |
Screen name:
| trade-blossom1 |
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
Debt Consolidation
Purpose of loan:
This loan will be used to consolidate and close higher interest rate credit cards.?
My financial situation:
I am a good candidate for this loan because of my?long excellent credit history and tenure at my current employer of 23 years?
Monthly net income: $ 5,700
Monthly expenses: $ 4,000
??Housing: $
??Insurance: $
??Car expenses: $
??Utilities: $
??Phone, cable, internet: $
??Food, entertainment: $
??Clothing, household expenses $
??Credit cards and other loans: $
??Other expenses: $
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
477790
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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:
| 16.79% |
Starting borrower rate/APR:
| 17.79% / 21.14% |
Starting monthly payment:
| $180.24 |
|
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):
| 2 |
First credit line:
| Jul-1999 |
Debt/Income ratio:
| Self-employed (DTI Not Calculated) |
Credit score:
| 620-639 (Sep-2010) |
Inquiries last 6m:
| 4 | Employment status: | Self-employed |
Now delinquent:
| 1 |
Current / open credit lines:
| 7
/
7 | Length of status: | 4y 6m |
Amount delinquent:
| $254 |
Total credit lines:
| 15 |
Occupation: | Other |
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $2,528 | Stated income: | $25,000-$49,999 |
Delinquencies in last 7y:
| 3 |
Bankcard utilization:
| 30% | | |
| |
Homeownership:
| No | | |
Screen name:
| roland1 |
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 / 2 |
On-time:
| 17 ( 100% )
| 620-639 (Latest)
|
Principal borrowed:
| $3,500.00 | < 31 days late:
| 0
( 0% )
| 640-659
(Mar-2010)
600-619
(May-2008)
540-559
(Apr-2008)
|
Principal balance:
| $0.00 |
31+ days late:
| 0
( 0% )
|
Total payments billed:
| 17 | | |
Description
Debt Consolidation/ Credit Repair
First off, I have no idea why I had a drop in my credit score lately. I have $300 in credit card debt, and my monthly expenses are about $1,500. I have had 2 loans on here that I paid off well before the due date and I am planning on doing the same with this one.
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
477794
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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):
| 6 |
First credit line:
| Sep-1972 |
Debt/Income ratio:
| 27% |
Credit score:
| 720-739 (Sep-2010) |
Inquiries last 6m:
| 0 | Employment status: | Employed |
Now delinquent:
| 0 |
Current / open credit lines:
| 11
/
10 | Length of status: | 4y 6m |
Amount delinquent:
| $0 |
Total credit lines:
| 33 |
Occupation: | Other |
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $56,733 | Stated income: | $75,000-$99,999 |
Delinquencies in last 7y:
| 1 |
Bankcard utilization:
| 95% | | |
| |
Homeownership:
| Yes | | |
Screen name:
| PstrJohn |
Borrower's state:
| NorthCarolina |
Borrower's group:
| Kingdom Finances |
Credit and homeownership information was obtained 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:
| 68 ( 100% )
| 720-739 (Latest)
|
Principal borrowed:
| $5,500.00 | < 31 days late:
| 0
( 0% )
| 720-739
(Jul-2010)
700-719
(Dec-2009)
700-719
(Sep-2009)
700-719
(Nov-2007)
|
Principal balance:
| $266.59 |
31+ days late:
| 0
( 0% )
|
Total payments billed:
| 68 | | |
Description
Pay 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
477806
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount:
| $10,000.00 |
Prosper Rating:
| AA |
Auction Duration:
| 7 days
|
Term:
| 36 months |
Estimated loss:
| 1.6% | | |
| | |
|
Starting lender yield:
| 6.00% |
Starting borrower rate/APR:
| 7.00% / 7.34% |
Starting monthly payment:
| $308.77 |
|
Auction yield range:
| 2.79% - 6.00% |
Estimated loss impact:
| 1.55% | | |
Lender servicing fee:
| 1.00% |
Estimated return:
| 4.45% | | |
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10):
| 10 |
First credit line:
| Mar-1988 |
Debt/Income ratio:
| 5% |
Credit score:
| 800-819 (Sep-2010) |
Inquiries last 6m:
| 0 | Employment status: | Employed |
Now delinquent:
| 0 |
Current / open credit lines:
| 9
/
8 | Length of status: | 19y 0m |
Amount delinquent:
| $0 |
Total credit lines:
| 43 |
Occupation: | Professional |
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $24,667 | Stated income: | $100,000+ |
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 45% | | |
| |
Homeownership:
| Yes | | |
Screen name:
| uncleegg |
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
Reinvest in Prosper
Purpose of loan:
This loan will be used to?
Reinvest in Prosper to make a slight profit
My financial situation:
I am a good candidate for this loan because?
zero risk
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
477808
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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:
| 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:
| 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):
| 2 |
First credit line:
| Jul-1991 |
Debt/Income ratio:
| 69% |
Credit score:
| 680-699 (Sep-2010) |
Inquiries last 6m:
| 1 | Employment status: | Employed |
Now delinquent:
| 0 |
Current / open credit lines:
| 15
/
11 | Length of status: | 19y 6m |
Amount delinquent:
| $0 |
Total credit lines:
| 40 |
Occupation: | Flight Attendant |
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $15,258 | Stated income: | $50,000-$74,999 |
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 97% | | |
| |
Homeownership:
| Yes | | |
Screen name:
| thorough-balance0 |
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
Paying off my credit cards
Purpose of loan:
This loan will be used to??pay off some credit card debts.? I have always paid my debts on time, and would greatly appreciate any help at this time in lowering my monthly expenses. I am gainfully?employed, and also have a successful second business as a blueberry farmer. Much of my accrued debt has been business related expenses. This last season our production was more than double the level of productivity from 2009. I am confident that I will manage my debts, and fully intend to wipe then out one by one, as quickly as possible.
Monthly expenses: $
??Housing: $ 1500.00
??Insurance: $ 300.00
??Car expenses: $ 250.00
??Utilities: $ 450.00
??Phone, cable, internet: $ 150.00
??Food, entertainment: $ 1000.00
??Clothing, household expenses $ 500.00
??Credit cards and other loans: $ 1000.00
??Other expenses: $ 500.00
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
468657
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount:
| $8,000.00 |
Prosper Rating:
| AA |
Auction Duration:
| 7 days
|
Term:
| 36 months |
Estimated loss:
| 1.6% | | |
| | |
|
Starting lender yield:
| 7.25% |
Starting borrower rate/APR:
| 8.25% / 8.59% |
Starting monthly payment:
| $251.61 |
|
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:
| May-1991 |
Debt/Income ratio:
| 8% |
Credit score:
| 780-799 (Sep-2010) |
Inquiries last 6m:
| 0 | Employment status: | Employed |
Now delinquent:
| 0 |
Current / open credit lines:
| 10
/
10 | Length of status: | 5y 1m |
Amount delinquent:
| $0 |
Total credit lines:
| 23 |
Occupation: | Computer Programmer |
Public records last 12m / 10y:
| 0/ 1 |
Revolving credit balance:
| $52,257 | Stated income: | $100,000+ |
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 47% | | |
| |
Homeownership:
| Yes | | |
Screen name:
| nodebtin3 |
Borrower's state:
| Utah |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Description
Pay off high interest credit card
Purpose of loan:
This loan will be used to pay off high interest credit card that is over 20% interest rate.
My financial situation:
I have a great job and make great money. I just need to restructure high interest debt.
Thank you for your consideration.
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
474627
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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-1999 |
Debt/Income ratio:
| 25% |
Credit score:
| 640-659 (Sep-2010) |
Inquiries last 6m:
| 7 | Employment status: | Employed |
Now delinquent:
| 0 |
Current / open credit lines:
| 8
/
5 | Length of status: | 2y 0m |
Amount delinquent:
| $0 |
Total credit lines:
| 61 |
Occupation: | Accountant/CPA |
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:
| Yes | | |
Screen name:
| kind-genuine-interest |
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
Get From Under Rock
Purpose of loan:
This loan will be used to start up a small nonprofit Childcare Center in Baltimore for low income children.? The focus of our program will be to motivate the children to love arts and culture.? I need these funds to acquire a location and pay business fees.
My financial situation:
I am a good candidate for this loan because I pay as agreed and I have a solid track record of acquiring credit and repaying as agreed.
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
477329
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount:
| $8,500.00 |
Prosper Rating:
| AA |
Auction Duration:
| 7 days
|
Term:
| 36 months |
Estimated loss:
| 1.6% | | |
| | |
|
Starting lender yield:
| 7.25% |
Starting borrower rate/APR:
| 8.25% / 8.59% |
Starting monthly payment:
| $267.34 |
|
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:
| Nov-1999 |
Debt/Income ratio:
| 6% |
Credit score:
| 860-879 (Sep-2010) |
Inquiries last 6m:
| 0 | Employment status: | Employed |
Now delinquent:
| 0 |
Current / open credit lines:
| 7
/
6 | Length of status: | 5y 0m |
Amount delinquent:
| $0 |
Total credit lines:
| 33 |
Occupation: | Computer Programmer |
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $0 | Stated income: | $75,000-$99,999 |
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 0% | | |
| |
Homeownership:
| Yes | | |
Screen name:
| proper-benefit5 |
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
WhatI will use this money to pay off a Chase Visa with a 13.9% APRWhyI think the concept of community lending is cool, and I'd rather pay interest (especially at a lower rate!) to people rather than Chase.HowI have been employed by the same company for over 5 years. My job, income and life are stable.
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
477561
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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:
| 35% |
Credit score:
| 700-719 (Sep-2010) |
Inquiries last 6m:
| 1 | Employment status: | Employed |
Now delinquent:
| 0 |
Current / open credit lines:
| 9
/
9 | Length of status: | 2y 2m |
Amount delinquent:
| $0 |
Total credit lines:
| 36 |
Occupation: | Engineer - Electric... |
Public records last 12m / 10y:
| 0/ 2 |
Revolving credit balance:
| $13,043 | Stated income: | $50,000-$74,999 |
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 98% | | |
| |
Homeownership:
| Yes | | |
Screen name:
| telescope47 |
Borrower's state:
| Missouri |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Description
Paying off some of my debt
Purpose of loan:
This loan will be used to? I will be using this loan to payoff some of my debt.
My financial situation:
I am a good candidate for this loan because? I take my credit score very seriously, and I will make my payments on time. I would like to explain the tax lien on my credit report. I just move from AR to MO, but the tax preparer but down AR on my federal taxes which I didn?t know about. Four years after the fact, I was contacted by AR tax bureau stating that I owed taxes for that year. I explained them my situation and file the necessary paper to get the tax?issue taking care of. They removed the lien, but it still on my credit report. I tried to get it removed, but?I couldn?t. The reason for this loan:?I been in college for last couple of years (BSEE from University of Missouri St. Louis), so I want to pay off some of my bills?due to me being in school. I?m working full time now as a Project Engineer. I?m financially able to pay back the loan. I get more versatility credit wise and you get a great return on your money.
Monthly net income: $
$4490
Monthly expenses: $
??Housing: $ 650.00
??Insurance: $ 150.00
??Car expenses: $ 325.00?
??Utilities: $ 200
??Phone, cable, internet: $ 60
??Food, entertainment: $ 250
??Clothing, household expenses $ 100
??Credit cards and other loans: $ 450
??Other expenses: $100
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
477573
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount:
| $3,000.00 |
Prosper Rating:
| A |
Auction Duration:
| 7 days
|
Term:
| 36 months |
Estimated loss:
| 3.5% | | |
| | |
|
Starting lender yield:
| 8.00% |
Starting borrower rate/APR:
| 9.00% / 11.09% |
Starting monthly payment:
| $95.40 |
|
Auction yield range:
| 3.79% - 8.00% |
Estimated loss impact:
| 3.52% | | |
Lender servicing fee:
| 1.00% |
Estimated return:
| 4.48% | | |
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10):
| 9 |
First credit line:
| May-1989 |
Debt/Income ratio:
| 12% |
Credit score:
| 720-739 (Sep-2010) |
Inquiries last 6m:
| 1 | Employment status: | Employed |
Now delinquent:
| 0 |
Current / open credit lines:
| 13
/
13 | Length of status: | 8y 8m |
Amount delinquent:
| $0 |
Total credit lines:
| 31 |
Occupation: | Food Service Manage... |
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $50,892 | Stated income: | $75,000-$99,999 |
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 67% | | |
| |
Homeownership:
| Yes | | |
Screen name:
| commerce-coyote8 |
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
Paying off credit card
Purpose of loan:
This loan will be used to pay off one of my credit cards. I also am curious to see how this works and this proposed monthly payment is equivalent to what I am paying currently and would like to do more business on this website if this goes smoothly.
My financial situation:
I am a good candidate for this loan because I?have been with the same company for?almost 9?years,?own my home, and love dealing with finances.
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
477575
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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:
| Dec-1982 |
Debt/Income ratio:
| 112% |
Credit score:
| 740-759 (Sep-2010) |
Inquiries last 6m:
| 2 | Employment status: | Employed |
Now delinquent:
| 0 |
Current / open credit lines:
| 12
/
12 | Length of status: | 2y 10m |
Amount delinquent:
| $0 |
Total credit lines:
| 20 |
Occupation: | Sales - Retail |
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $59,977 | Stated income: | $1-$24,999 |
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 48% | | |
| |
Homeownership:
| No | | |
Screen name:
| professional-dinero2 |
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
Trying to buy a mobile home
Purpose of loan:
This loan will be used to? I am trying to buy a mobile home so i have a place to go. I am in the process of getting a seperation. My Mother lives with me and we are both trying to get a place together.
My financial situation:
I am a good candidate for this loan because? I? am willing to pay my monthly bill by auto draft every month.
Monthly net income: $ 1800
Monthly expenses: $
??Housing: $
??Insurance: $?
??Car expenses: $
??Utilities: $
??Phone, cable, internet: $ 128.00
??Food, entertainment: $
??Clothing, household expenses $
??Credit cards and other loans: $ 50.000
??Other expenses: $
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
477581
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount:
| $13,000.00 |
Prosper Rating:
| 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:
| $451.60 |
|
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:
| Sep-2000 |
Debt/Income ratio:
| 22% |
Credit score:
| 740-759 (Sep-2010) |
Inquiries last 6m:
| 0 | Employment status: | Employed |
Now delinquent:
| 0 |
Current / open credit lines:
| 7
/
7 | Length of status: | 4y 7m |
Amount delinquent:
| $0 |
Total credit lines:
| 14 |
Occupation: | Professional |
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $8,451 | Stated income: | $50,000-$74,999 |
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 51% | | |
| |
Homeownership:
| Yes | | |
Screen name:
| lovely-hope9 |
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
Cosolidation
Purpose of loan:
This loan will be used to? Consolidate credit cards and install new super high efficiency air conditioning unit.
My financial situation:
I am financially responsible and pay all of my bills on time, my credit rating is very important to me, with all of the incentives offered for the super high efficiency air conditioner and cutting the electric bill in half the savings will be significant.
Monthly net income: $ 4,124.00
Monthly expenses: $
??Housing: $ 1600.00
??Insurance: $ 60.00
??Car expenses: $ 472.00
??Utilities: $ 200.00
??Phone, cable, internet: $ 60.00
??Food, entertainment: $ 200.00
??Clothing, household expenses $ 50.00
??Credit cards and other loans: $ will be 0
??Other expenses: $
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
477597
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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):
| 7 |
First credit line:
| Aug-1997 |
Debt/Income ratio:
| 12% |
Credit score:
| 700-719 (Sep-2010) |
Inquiries last 6m:
| 4 | Employment status: | Employed |
Now delinquent:
| 0 |
Current / open credit lines:
| 13
/
11 | Length of status: | 1y 3m |
Amount delinquent:
| $0 |
Total credit lines:
| 29 |
Occupation: | Accountant/CPA |
Public records last 12m / 10y:
| 0/ 1 |
Revolving credit balance:
| $6,663 | Stated income: | $50,000-$74,999 |
Delinquencies in last 7y:
| 8 |
Bankcard utilization:
| 58% | | |
| |
Homeownership:
| Yes | | |
Screen name:
| commitment-builder3 |
Borrower's state:
| Texas |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Description
Pay off Medical and CC debt
Purpose of loan:
This loan will be used to? Too pay off medical expenses due to a surgery last year. Also to pay off any remaing debt such as Credit Cards.
My financial situation:
I am a good candidate for this loan because? I have worked very hard to get my credit score up since 5 years ago, although not a great score it is a good score. I am single parent trying to be responsible for my bills and taking care of my son. I bought my first home three years ago and have been paying my bills consistently since then. Just looking to consolidate into one payment.
Monthly net income: $ 4044.00
Monthly expenses: $
??Housing: $ 1285.00
??Insurance: $ 120.00
??Car expenses: $ 425.00
??Utilities: $ 200.00
??Phone, cable, internet: $ 200.00
??Food, entertainment: $ 150.00
??Clothing, household expenses $ 150.00
??Credit cards and other loans: $ 600.00
??Other expenses: $ 350.00
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
477603
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount:
| $5,500.00 |
Prosper Rating:
| E |
Auction Duration:
| 7 days
|
Term:
| 36 months |
Estimated loss:
| 14.2% | | |
| | |
|
Starting lender yield:
| 33.35% |
Starting borrower rate/APR:
| 34.35% / 38.06% |
Starting monthly payment:
| $246.78 |
|
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:
| Sep-1999 |
Debt/Income ratio:
| 18% |
Credit score:
| 640-659 (Sep-2010) |
Inquiries last 6m:
| 2 | Employment status: | Employed |
Now delinquent:
| 4 |
Current / open credit lines:
| 2
/
1 | Length of status: | 8y 10m |
Amount delinquent:
| $597 |
Total credit lines:
| 11 |
Occupation: | Administrative Assi... |
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $263 | Stated income: | $1-$24,999 |
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 65% | | |
| |
Homeownership:
| No | | |
Screen name:
| exciting-principal0 |
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
Need a new roof and foundation repa
Purpose of loan:
This loan will be used to?put a roof on my home and other improvements?
My financial situation:
I am a good candidate for this loan because?I pay my debts. Have old debts from previous marriage not paid, but I pay mine?
Monthly net income: $ 1300
Monthly expenses: $
??Housing: $ 0.00
??Insurance: $ 67.33
??Car expenses: $ 0
??Utilities: $ 120.00
??Phone, cable, internet: $70.00
??Food, entertainment: $ 120.00
??Clothing, household expenses $ 0
??Credit cards and other loans: $45.00
??Other expenses: $ 0
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
477609
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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:
| 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:
| 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-2000 |
Debt/Income ratio:
| 9% |
Credit score:
| 640-659 (Sep-2010) |
Inquiries last 6m:
| 1 | Employment status: | Employed |
Now delinquent:
| 0 |
Current / open credit lines:
| 6
/
2 | Length of status: | 13y 3m |
Amount delinquent:
| $0 |
Total credit lines:
| 19 |
Occupation: | Medical Technician |
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $306 | Stated income: | $25,000-$49,999 |
Delinquencies in last 7y:
| 16 |
Bankcard utilization:
| 0% | | |
| |
Homeownership:
| No | | |
Screen name:
| brettsmom |
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
Paying off payday loans
Purpose of loan:
This loan will be used to? Pay off payday loans that I foolishly took out when some unexpected bills (car repairs, Son's dental repair) came up.
My financial situation:
I am a good candidate for this loan because? I have been diligently paying towards these loans but the interest rates are so high( 500- 700%)?it doesn't make a dent. I? can very easily work with a more managable interest rate.
Monthly net income: $ 2400
Monthly expenses: $
??Housing: $ 850
??Insurance: $ 145
??Car expenses: $ 0
??Utilities: $ 250
??Phone, cable, internet: $ 100
??Food, entertainment: $?200
??Clothing, household expenses $ 60
??Credit cards and other loans: $ 150
??Other expenses: $
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
477621
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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:
| Jul-1998 |
Debt/Income ratio:
| 17% |
Credit score:
| 660-679 (Sep-2010) |
Inquiries last 6m:
| 2 | Employment status: | Employed |
Now delinquent:
| 1 |
Current / open credit lines:
| 8
/
8 | Length of status: | 5y 6m |
Amount delinquent:
| $84 |
Total credit lines:
| 13 |
Occupation: | Other |
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $3,438 | Stated income: | $50,000-$74,999 |
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 52% | | |
| |
Homeownership:
| Yes | | |
Screen name:
| SunShine1925 |
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
Supplemental Income for 5 Months
Purpose of loan:
Supplemental Income during Maternity leave and Cesarean section funding will assist with maintaining all my finacial obligations during this time. ,
My financial situation:
I am on good financial footing because I pay all my bills on time and take my financial responsibility very seriously. I also have great job security during these tough economic times so making my monthly payments wont be a problem.
Monthly net income: $ 5900
Monthly expenses: $?
??Housing: $ 1,786
Insurance: $77
Car expenses: $450 + Gas $150
Utilities: $ 350
Phone, cable, internet: $ 130
Food, entertainment: $ 500
Clothing, household expenses $ 300
Credit cards and other loans: $ 105
Medical expenses : $70
Other expenses: Tithes 10% of take home Total = $590
Total monthly expenses = $ 4,508
For some reason Prosper sent me an email stating my address could not be verified when, I have received and confirmed my address via the post card mailed to me. So my previous listing was full funded but communication error did not allow my loan to be proccesed.
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
477633
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount:
| $3,300.00 |
Prosper Rating:
| E |
Auction Duration:
| 7 days
|
Term:
| 36 months |
Estimated loss:
| 14.2% | | |
| | |
|
Starting lender yield:
| 14.00% |
Starting borrower rate/APR:
| 15.00% / 18.29% |
Starting monthly payment:
| $114.40 |
|
Auction yield range:
| 13.79% - 14.00% |
Estimated loss impact:
| 14.80% | | |
Lender servicing fee:
| 1.00% |
Estimated return:
| -0.80% | | |
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10):
| 6 |
First credit line:
| Aug-2007 |
Debt/Income ratio:
| 22% |
Credit score:
| 660-679 (Sep-2010) |
Inquiries last 6m:
| 1 | Employment status: | Employed |
Now delinquent:
| 0 |
Current / open credit lines:
| 7
/
7 | Length of status: | 4y 2m |
Amount delinquent:
| $0 |
Total credit lines:
| 12 |
Occupation: | Clerical |
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $5,672 | Stated income: | $1-$24,999 |
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 40% | | |
| |
Homeownership:
| No | | |
Screen name:
| stable-wealth032 |
Borrower's state:
| NewJersey |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Description
Paying off my credit cards
Purpose of loan:
This loan will be used to pay off my credit card debt
My financial situation:
I am a good candidate for this loan because I am never late on my payments and am very responsible
Monthly net income: $
975
Monthly expenses: $
??Housing: $
I live with my parents so, I don't pay rent
??Insurance: $
I am under my parents insurance
??Car expenses: $ 100
??Utilities: $
0
??Phone, cable, internet: $
0
??Food, entertainment: $
100
??Clothing, household expenses $
100
??Credit cards and other loans: $
180
??Other expenses: $
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
477639
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount:
| $6,000.00 |
Prosper Rating:
| E |
Auction Duration:
| 7 days
|
Term:
| 36 months |
Estimated loss:
| 14.2% | | |
| | |
|
Starting lender yield:
| 33.35% |
Starting borrower rate/APR:
| 34.35% / 38.06% |
Starting monthly payment:
| $269.21 |
|
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:
| Sep-1996 |
Debt/Income ratio:
| 37% |
Credit score:
| 680-699 (Sep-2010) |
Inquiries last 6m:
| 1 | Employment status: | Employed |
Now delinquent:
| 0 |
Current / open credit lines:
| 7
/
5 | Length of status: | 13y 1m |
Amount delinquent:
| $0 |
Total credit lines:
| 19 |
Occupation: | Police Officer/Corr... |
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $2,656 | Stated income: | $25,000-$49,999 |
Delinquencies in last 7y:
| 16 |
Bankcard utilization:
| 28% | | |
| |
Homeownership:
| No | | |
Screen name:
| gentle-value1 |
Borrower's state:
| Illinois |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Description
Paying off my credit cards
Purpose of loan:
This loan will be used to?
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
477695
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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:
| 24.0% | | |
| | |
|
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:
| 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-2004 |
Debt/Income ratio:
| 16% |
Credit score:
| 640-659 (Sep-2010) |
Inquiries last 6m:
| 3 | Employment status: | Employed |
Now delinquent:
| 0 |
Current / open credit lines:
| 2
/
2 | Length of status: | 2y 11m |
Amount delinquent:
| $0 |
Total credit lines:
| 4 |
Occupation: | Skilled Labor |
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $635 | Stated income: | $25,000-$49,999 |
Delinquencies in last 7y:
| 3 |
Bankcard utilization:
| 94% | | |
| |
Homeownership:
| No | | |
Screen name:
| unbelievable-responsibility1 |
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
second car for commute
Purpose of loan:
Getting a second car for commuting to work and clearing up small things
My financial situation:
I feel that I am a good lendee, because even though i have a tarnished record from my younger years, i have had two loans and have not missed one payment.
Monthly net income: $ 2000
Monthly expenses: $
??Housing: $ 0
??Insurance: $ 185
??Car expenses: $300
??Utilities: $ 0
??Phone, cable, internet: $135
??Food, entertainment: $ 50
??Clothing, household expenses $100
??Credit cards and other loans: $ 270
??Other expenses: $
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
477707
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount:
| $6,600.00 |
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:
| $228.11 |
|
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):
| 6 |
First credit line:
| May-2001 |
Debt/Income ratio:
| 4% |
Credit score:
| 660-679 (Sep-2010) |
Inquiries last 6m:
| 0 | Employment status: | Employed |
Now delinquent:
| 1 |
Current / open credit lines:
| 1
/
1 | Length of status: | 2y 8m |
Amount delinquent:
| $403 |
Total credit lines:
| 4 |
Occupation: | Food Service Manage... |
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $0 | Stated income: | $100,000+ |
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 0% | | |
| |
Homeownership:
| No | | |
Screen name:
| commerce-aurora |
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
Refinancing auto loan
Purpose of loan:
I'm currently paying 20% on an auto loan and would like to reduce the rate.?
My financial situation:
Annual income $75,000. Household income is $157,000.
Monthly net income: $ $7,000????
Monthly expenses: $ 5,400
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
477737
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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:
| Sep-1999 |
Debt/Income ratio:
| 11% |
Credit score:
| 640-659 (Sep-2010) |
Inquiries last 6m:
| 3 | Employment status: | Employed |
Now delinquent:
| 2 |
Current / open credit lines:
| 10
/
11 | Length of status: | 24y 8m |
Amount delinquent:
| $30,325 |
Total credit lines:
| 32 |
Occupation: | Other |
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $12,438 | Stated income: | $50,000-$74,999 |
Delinquencies in last 7y:
| 28 |
Bankcard utilization:
| 93% | | |
| |
Homeownership:
| Yes | | |
Screen name:
| investment-bath |
Borrower's state:
| California |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Description
Paying off my credit cards
Purpose of loan:
This loan will be used to?
payoff credit card debt
My financial situation:
I am a good candidate for this loan because?
I have been employed with the same employer for over 20 years. I have steady income
Monthly net income: $
4200
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
477739
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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:
| Nov-2000 |
Debt/Income ratio:
| 31% |
Credit score:
| 640-659 (Sep-2010) |
Inquiries last 6m:
| 0 | Employment status: | Employed |
Now delinquent:
| 0 |
Current / open credit lines:
| 6
/
5 | Length of status: | 2y 6m |
Amount delinquent:
| $0 |
Total credit lines:
| 14 |
Occupation: | Other |
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $2,989 | Stated income: | $25,000-$49,999 |
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 99% | | |
| |
Homeownership:
| No | | |
Screen name:
| systematic-exchange087 |
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
Staying On Top
Purpose of loan:
This loan will be used to consolidate other debt.
My financial situation:
I am a good candidate for this loan because I am trying to increase my credit score for my future so I will make sure my payments are on time each month.
Monthly net income: $ 2029.93
Monthly expenses: $
??Housing: $ 630
??Insurance: $ 171
??Car expenses: $ 295
??Utilities: $ 90
??Phone, cable, internet: $ 101.90
??Food, entertainment: $ 90
??Clothing, household expenses $ 80
??Credit cards and other loans: $ 9000
??Other expenses: $
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
477749
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount:
| $12,000.00 |
Prosper Rating:
| B |
Auction Duration:
| 7 days
|
Term:
| 36 months |
Estimated loss:
| 6.0% | | |
| | |
|
Starting lender yield:
| 14.15% |
Starting borrower rate/APR:
| 15.15% / 17.32% |
Starting monthly payment:
| $416.87 |
|
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:
| Sep-1983 |
Debt/Income ratio:
| 37% |
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: | 10y 11m |
Amount delinquent:
| $0 |
Total credit lines:
| 23 |
Occupation: | Construction |
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $51,547 | Stated income: | $50,000-$74,999 |
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 69% | | |
| |
Homeownership:
| Yes | | |
Screen name:
| shooter0 |
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
Business Investment
Purpose of loan:
This loan will be used to? Purchase new equipment to expand my business.
My financial situation:
I have the opportunity to increase revenue in a new segment of the concrete polishing market. We have been succesfully?operating in the concrete coatings and polishing business since 2001. This?investment?will allow us to purchase the specialized equipment rather than rent.?We are an established company with a good track record of customer?service and a good?financial history with our vendors.??
Monthly net income: $ 4250.00
Monthly expenses: $ 3050.00
??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
477751
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount:
| $1,100.00 |
Prosper Rating:
| B |
Auction Duration:
| 7 days
|
Term:
| 36 months |
Estimated loss:
| 6.0% | | |
| | |
|
Starting lender yield:
| 14.15% |
Starting borrower rate/APR:
| 15.15% / 20.23% |
Starting monthly payment:
| $38.21 |
|
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-1991 |
Debt/Income ratio:
| 24% |
Credit score:
| 740-759 (Sep-2010) |
Inquiries last 6m:
| 0 | Employment status: | Other |
Now delinquent:
| 0 |
Current / open credit lines:
| 4
/
3 | Length of status: | 5y 11m |
Amount delinquent:
| $0 |
Total credit lines:
| 22 | Stated income: | $1-$24,999 |
Public records last 12m / 10y:
| 0/ 1 |
Revolving credit balance:
| $10,463 | |
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 54% | | |
| |
Homeownership:
| No | | |
Screen name:
| generosity-matador |
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
fixing car for new family driver
Purpose of loan:
This loan will be used to?
fix a car that m child will be learning how to drive with
My financial situation:
I am a good candidate for this loan because?
I own my own mobile home and one acre of land but will not finance or put up as collateral
Monthly net income: $ 1,328
Monthly expenses: $
??Housing: $ 0
??Insurance: $ 45
??Car expenses: 0$
??Utilities: $ 200
??Phone, cable, internet: $ 130
??Food, entertainment: $ 90
??Clothing, household expenses $ 100
??Credit cards and other loans: $ 400
??Other expenses: $ 0
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
477757
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount:
| $6,250.00 |
Prosper Rating:
| HR |
Auction Duration:
| 7 days
|
Term:
| 36 months |
Estimated loss:
| 18.3% | | |
| | |
|
Starting lender yield:
| 16.79% |
Starting borrower rate/APR:
| 17.79% / 21.14% |
Starting monthly payment:
| $225.29 |
|
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):
| 6 |
First credit line:
| Aug-2002 |
Debt/Income ratio:
| Not calculated |
Credit score:
| 640-659 (Sep-2010) |
Inquiries last 6m:
| 0 | Employment status: | Not employed |
Now delinquent:
| 0 |
Current / open credit lines:
| 6
/
5 | Length of status: | 0y 10m |
Amount delinquent:
| $0 |
Total credit lines:
| 11 | Stated income: | Not employed |
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $4,555 | |
Delinquencies in last 7y:
| 1 |
Bankcard utilization:
| 94% | | |
| |
Homeownership:
| No | | |
Screen name:
| ingenious-return6 |
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
Free myself of credit card debt
Purpose of loan:
This loan will be used to not only consolidate and pay off my 30% interest rate cards (I have a total of 4 low balance cards that equal to $5000), but I will be using the other $1000 to pay for a used car to get to and from work (I just moved to a different state).? The extra $250 is to cover the closing cost of the loan so that I can get the entire $6000 to use for these things.
My financial situation:
I am a good candidate for this loan because I always pay $10-$300 extra than the minimum per month on my credit card payments to get them down.? I currently am using the snowball effect by paying the highest interest with every possible penny I can to it, and paying slightly over minimum on the other loans until it's payed off, but since I'm trying to get a loan for a car, I thought I would try to get the lower interest rate to consolidate my debt as well.? I have always been on top of my responsibilities, living very frugally in order to pay down my debt.? My real goal at the end of this debt is to increase my credit score enough to be able to get a loan for radiology school without a co-signer.? I am honest and always pay my debts on time.? Your help would strongly aid me in achieving financial freedom.? I thank you in advance!
Monthly net income: $
2200 (through unemployment) I will be getting 2-3 jobs in the next month.? I know that information may not look in my favor, however, I am being as honest as possible on this website!? The reason I am not working is I just moved to another state
Monthly expenses: $ 1885
??Housing: $
500
??Insurance: $
100
??Car expenses: $
325
??Utilities: $
50
??Phone, cable, internet: $
60
??Food, entertainment: $
300
??Clothing, household expenses $
100
??Credit cards and other loans: $
225
??Other expenses: $
225
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
477763
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount:
| $6,000.00 |
Prosper Rating:
| A |
Auction Duration:
| 7 days
|
Term:
| 36 months |
Estimated loss:
| 3.2% | | |
| | |
|
Starting lender yield:
| 7.50% |
Starting borrower rate/APR:
| 8.50% / 10.59% |
Starting monthly payment:
| $189.41 |
|
Auction yield range:
| 3.79% - 7.50% |
Estimated loss impact:
| 3.26% | | |
Lender servicing fee:
| 1.00% |
Estimated return:
| 4.24% | | |
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):
| 9 |
First credit line:
| Aug-2003 |
Debt/Income ratio:
| 11% |
Credit score:
| 760-779 (Sep-2010) |
Inquiries last 6m:
| 1 | Employment status: | Employed |
Now delinquent:
| 0 |
Current / open credit lines:
| 13
/
11 | Length of status: | 2y 3m |
Amount delinquent:
| $0 |
Total credit lines:
| 29 |
Occupation: | Analyst |
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $4,178 | Stated income: | $50,000-$74,999 |
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 15% | | |
| |
Homeownership:
| No | | |
Screen name:
| BC333 |
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.
Prosper Activity
Loan history | Payment history | Credit score history |
Active / total loans:
| 0 / 1 |
On-time:
| 10 ( 100% )
| 760-779 (Latest)
|
Principal borrowed:
| $4,600.00 | < 31 days late:
| 0
( 0% )
| 720-739
(Sep-2008)
|
Principal balance:
| $0.00 |
31+ days late:
| 0
( 0% )
|
Total payments billed:
| 10 | | |
Description
Repaying 401(k) Loan
Purpose of loan:
This loan will be used to repay a 401(k) loan with an existing balance of $4,000, as well as pay the remainder of a credit card balance I currently have.? This will reduce my monthly obligations, while maintaining a sufficient level of liquid funds.
My financial situation:
I am a good candidate for this loan because I have never missed or made a late payment in my life.? I am well employed, have a credit score of over 750, and a low debt/income ratio.? I also have money in a 401(k) plan, as well as about $3k in a high-yield savings account.
Net Monthly Income - $3850
850 - Rent
340 - Car
200 - Gas
225 - Utilities + Insurance
200 - Student Loan
500 - Food/Entertainment
100 - Credit Card (will be paid off)
200 - 401(k) Loan (will be paid off)
$1235/mo in disposable income.
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
477767
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount:
| $7,300.00 |
Prosper Rating:
| 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:
| $327.54 |
|
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-1972 |
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:
| 6
/
6 | Length of status: | 6y 0m |
Amount delinquent:
| $0 |
Total credit lines:
| 8 |
Occupation: | Professional |
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $15,408 | Stated income: | $75,000-$99,999 |
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 92% | | |
| |
Homeownership:
| No | | |
Screen name:
| currency-tower |
Borrower's state:
| Illinois |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Description
My loan for debt consolidation
Purpose of loan:
This loan will be used to?
Consolidate Debt
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
477773
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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):
| 5 |
First credit line:
| Jul-1999 |
Debt/Income ratio:
| 11% |
Credit score:
| 600-619 (Sep-2010) |
Inquiries last 6m:
| 2 | Employment status: | Employed |
Now delinquent:
| 1 |
Current / open credit lines:
| 12
/
9 | Length of status: | 3y 2m |
Amount delinquent:
| $0 |
Total credit lines:
| 38 |
Occupation: | Clerical |
Public records last 12m / 10y:
| 0/ 1 |
Revolving credit balance:
| $2,019 | Stated income: | $25,000-$49,999 |
Delinquencies in last 7y:
| 1 |
Bankcard utilization:
| 66% | | |
| |
Homeownership:
| No | | |
Screen name:
| bb81 |
Borrower's state:
| Washington |
Borrower's group:
| Road To Better Credit |
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan history | Payment history | Credit score history |
Active / total loans:
| 1 / 2 |
On-time:
| 64 ( 100% )
| 600-619 (Latest)
|
Principal borrowed:
| $2,200.00 | < 31 days late:
| 0
( 0% )
| 560-579
(Dec-2007)
560-579
(Nov-2007)
500-519
(Sep-2006)
|
Principal balance:
| $62.17 |
31+ days late:
| 0
( 0% )
|
Total payments billed:
| 64 | | |
Description
Medical care for 10-year-old doggy
This loan is to be used for medical care for the 10-year-old family dog, Sally. She has a mass on her eyelid that also has a swelling right above that need surgically removed.
Also, while she is under anesthesia, she needs some dental work. Sally has a cracked tooth that needs removed as well as a dental cleaning and possibly further tooth extractions.
Part of this has been pre-approved by the pet insurance company to be reimbursed to me once I file a claim with the invoice and so I will be able to lower the balance by a few hundred dollars within a couple of weeks after the surgery.
Please note that while my credit score is far from stellar that I have previously borrowed $2,200 through prosper and my remaining balance is less than $70 at this point. Slowly, but surely, my credit score is also going up.
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
477775
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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:
| Jul-1982 |
Debt/Income ratio:
| 36% |
Credit score:
| 780-799 (Sep-2010) |
Inquiries last 6m:
| 6 | Employment status: | Employed |
Now delinquent:
| 0 |
Current / open credit lines:
| 10
/
10 | Length of status: | 1y 3m |
Amount delinquent:
| $0 |
Total credit lines:
| 27 |
Occupation: | Nurse (RN) |
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $26,585 | Stated income: | $25,000-$49,999 |
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 45% | | |
| |
Homeownership:
| Yes | | |
Screen name:
| atizer497 |
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
eliminate credit card 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
477797
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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:
| 10.79% |
Starting borrower rate/APR:
| 11.79% / 15.02% |
Starting monthly payment:
| $165.57 |
|
Auction yield range:
| 10.79% - 10.79% |
Estimated loss impact:
| 10.02% | | |
Lender servicing fee:
| 1.00% |
Estimated return:
| 0.77% | | |
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10):
| 8 |
First credit line:
| Jan-1999 |
Debt/Income ratio:
| 16% |
Credit score:
| 720-739 (Sep-2010) |
Inquiries last 6m:
| 0 | Employment status: | Employed |
Now delinquent:
| 0 |
Current / open credit lines:
| 5
/
5 | Length of status: | 4y 11m |
Amount delinquent:
| $0 |
Total credit lines:
| 13 |
Occupation: | Other |
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $2,938 | Stated income: | $25,000-$49,999 |
Delinquencies in last 7y:
| 4 |
Bankcard utilization:
| 39% | | |
| |
Homeownership:
| No | | |
Screen name:
| chrisbaniqued |
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:
| 33 ( 97% )
| 720-739 (Latest)
|
Principal borrowed:
| $10,000.00 | < 31 days late:
| 1
( 3% )
| 640-659
(May-2007)
600-619
(Aug-2006)
|
Principal balance:
| $0.00 |
31+ days late:
| 0
( 0% )
|
Total payments billed:
| 34 | | |
Description
Car Purchase
This is my 2nd time around requesting a loan. I paid off the 1st loan and this one will go to purchasing a car.
I'm getting rid of my Kia Spectra which served me for 10 yrs.
We had a new bundle of joy this year, and this money will go towards that goal.
Check my profile to see pictures of my little one :)
Thank you for all your help.
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
477803
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount:
| $4,805.00 |
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:
| $166.92 |
|
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):
| 9 |
First credit line:
| Oct-2004 |
Debt/Income ratio:
| 20% |
Credit score:
| 680-699 (Sep-2010) |
Inquiries last 6m:
| 0 | Employment status: | Employed |
Now delinquent:
| 0 |
Current / open credit lines:
| 7
/
6 | Length of status: | 0y 8m |
Amount delinquent:
| $0 |
Total credit lines:
| 11 |
Occupation: | Other |
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $4,667 | Stated income: | $25,000-$49,999 |
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 33% | | |
| |
Homeownership:
| No | | |
Screen name:
| first-class-fairness2 |
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
Learned My Credit Card Lesson
Purpose of loan:
This loan will be used to?Pay off my credit card debt
My financial situation:
I am a good candidate for this loan because?I have a steady job that I love. I live at home with my parents and will continue to do so until I am out of debt and financially stable.
Monthly net income: $ 2632.25, before taxes Monthly expenses: $1800??Housing: $0
??Insurance: $135.00
??Car expenses: $188
??Utilities: $0
??Phone, cable, internet: $0
??Food, entertainment: $800
??Clothing, household expenses $300
??Credit cards and other loans: $430
??Other expenses: $
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
477821
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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:
| 1.3% | | |
| | |
|
Starting lender yield:
| 8.50% |
Starting borrower rate/APR:
| 9.50% / 9.84% |
Starting monthly payment:
| $480.49 |
|
Auction yield range:
| 2.79% - 8.50% |
Estimated loss impact:
| 1.30% | | |
Lender servicing fee:
| 1.00% |
Estimated return:
| 7.20% | | |
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should 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-1982 |
Debt/Income ratio:
| 18% |
Credit score:
| 800-819 (Sep-2010) |
Inquiries last 6m:
| 0 | Employment status: | Employed |
Now delinquent:
| 0 |
Current / open credit lines:
| 5
/
5 | Length of status: | 6y 10m |
Amount delinquent:
| $0 |
Total credit lines:
| 17 |
Occupation: | Computer Programmer |
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $931 | Stated income: | $25,000-$49,999 |
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 3% | | |
| |
Homeownership:
| Yes | | |
Screen name:
| GABC-1 |
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:
| 14 ( 100% )
| 800-819 (Latest)
|
Principal borrowed:
| $6,100.00 | < 31 days late:
| 0
( 0% )
| 760-779
(Dec-2007)
740-759
(Oct-2006)
|
Principal balance:
| $0.00 |
31+ days late:
| 0
( 0% )
|
Total payments billed:
| 14 | | |
Description
House Renovations
I'm purchasing a home from a friend and it needs extensive renovations.?
I'm using $10,000 of my cash reserves and have another $12,000 in an emergency fund which I'd like to not touch.
I'm still a Prosper lender with almost $8,000 in prosper loans which I could cash in if needed but expect to be paying this back within two years either with increased payment amounts or extra payments.
For those that purchased my previous loans, thanks and I'm still driving my Dave Ramsy beater car.
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
477827
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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:
| 33.35% |
Starting borrower rate/APR:
| 34.35% / 38.06% |
Starting monthly payment:
| $112.17 |
|
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-1978 |
Debt/Income ratio:
| 20% |
Credit score:
| 640-659 (Sep-2010) |
Inquiries last 6m:
| 1 | Employment status: | Employed |
Now delinquent:
| 0 |
Current / open credit lines:
| 17
/
15 | Length of status: | 0y 11m |
Amount delinquent:
| $0 |
Total credit lines:
| 46 |
Occupation: | Nurse (RN) |
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $8,605 | Stated income: | $75,000-$99,999 |
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 77% | | |
| |
Homeownership:
| No | | |
Screen name:
| order-cactus |
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 real estate taxes
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.