Listing Report:Supplement No. 117 dated Dec 17, 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
472523
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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:
| 10.80% | | |
| | | |
|
|
Starting lender yield:
| 28.50% |
Starting borrower rate/APR:
| 29.50% / 33.10% |
Starting monthly payment:
| $316.34 |
| |
|
Auction yield range:
| 10.51% - 28.50% |
Estimated loss impact:
| 11.52% | | |
|
Lender servicing fee:
| 1.00% |
Estimated return:
| 16.98% | | |
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
|
Prosper score (1-10):
| 7 |
First credit line:
| Mar-1986 |
Debt/Income ratio:
| 30% |
|
Credit score:
| 700-719 (Dec-2010) |
Inquiries last 6m:
| 0 | Employment status: | Employed |
|
Now delinquent:
| 0 |
Current / open credit lines:
| 13
/
13 | Length of status: | 10y 8m |
|
Amount delinquent:
| $0 |
Total credit lines:
| 23 |
Occupation: | Sales - Commission |
|
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $213,325 | Stated income: | $100,000+ |
|
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 91% | | |
| | |
Homeownership:
| Yes | | |
|
Screen name:
| obedient-euro |
Borrower's state:
| Indiana |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Description
d.pymt on partnership offering
Purpose of loan:
This loan will be used to?make a 20%?down payment on a $30,000 partnership offering of my firm. The firm finances the rest.?
My financial situation:
I am a good candidate for this loan because??I have a good income and have never missed a payment of any kind.
Monthly net income: $
9500
Monthly expenses: $
??Housing: $?1400
??Insurance: $ 500????
??Car expenses: $ 500
??Utilities: $250
??Phone, cable, internet: $ 250????
??Food, entertainment: $ 1000
??Clothing, household expenses $ 1000
??Credit cards and other loans: $ 3500
??Other expenses: $ 350
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
484819
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
|
Amount:
| $7,500.00 |
Prosper Rating:
| E |
Auction Duration:
| 7 days
|
|
Term:
| 36 months |
Estimated loss:
| 14.20% | | |
| | | |
|
|
Starting lender yield:
| 31.20% |
Starting borrower rate/APR:
| 32.20% / 35.86% |
Starting monthly payment:
| $327.49 |
| |
|
Auction yield range:
| 13.51% - 31.20% |
Estimated loss impact:
| 15.63% | | |
|
Lender servicing fee:
| 1.00% |
Estimated return:
| 15.57% | | |
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should 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:
| Mar-2006 |
Debt/Income ratio:
| 39% |
|
Credit score:
| 700-719 (Nov-2010) |
Inquiries last 6m:
| 0 | Employment status: | Employed |
|
Now delinquent:
| 0 |
Current / open credit lines:
| 5
/
4 | Length of status: | 2y 4m |
|
Amount delinquent:
| $0 |
Total credit lines:
| 11 |
Occupation: | Clerical |
|
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $1,587 | Stated income: | $25,000-$49,999 |
|
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 99% | | |
| | |
Homeownership:
| Yes | | |
|
Screen name:
| challenger86 |
Borrower's state:
| NorthCarolina |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Description
Paying off credit cards/tuition
Purpose of loan:
To pay off my credit cards, yearly?HOA dues, medical bills, and make a much?needed repair to my?HVAC. The excess will be used to?pay for tuition and books. I would like to consolidate all of the small payments I have into one monthly payment.
My financial situation:
I am a good candidate for this loan because I am very responsible and work very hard. I have never paid a bill late and would like the opportunity to feel like I'm getting somewhere in my financial goals.
Monthly net income: $ 1968.55
Monthly expenses: $ 1715.40
??Housing: $ 450
??Insurance: $ 100
??Car expenses: $ 400
??Utilities: $ 100
??Phone, cable, internet: $ 40.40?
??Food, entertainment: $ 150
??Clothing, household expenses $ 100
??Credit cards and other loans: $ 200
??Other expenses: $ 100
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
487539
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
|
Amount:
| $1,700.00 |
Prosper Rating:
| D |
Auction Duration:
| 7 days
|
|
Term:
| 36 months |
Estimated loss:
| 10.80% | | |
| | | |
|
|
Starting lender yield:
| 28.50% |
Starting borrower rate/APR:
| 29.50% / 33.10% |
Starting monthly payment:
| $71.70 |
| |
|
Auction yield range:
| 10.51% - 28.50% |
Estimated loss impact:
| 11.52% | | |
|
Lender servicing fee:
| 1.00% |
Estimated return:
| 16.98% | | |
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
|
Prosper score (1-10):
| 5 |
First credit line:
| Aug-1991 |
Debt/Income ratio:
| 41% |
|
Credit score:
| 760-779 (Dec-2010) |
Inquiries last 6m:
| 1 | Employment status: | Employed |
|
Now delinquent:
| 0 |
Current / open credit lines:
| 10
/
8 | Length of status: | 9y 10m |
|
Amount delinquent:
| $0 |
Total credit lines:
| 33 |
Occupation: | Nurse (RN) |
|
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $9,060 | Stated income: | $1-$24,999 |
|
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 49% | | |
| | |
Homeownership:
| No | | |
|
Screen name:
| immaculate-social3 |
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 for family member
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
487971
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
|
Amount:
| $1,500.00 |
Prosper Rating:
| D |
Auction Duration:
| 7 days
|
|
Term:
| 36 months |
Estimated loss:
| 10.80% | | |
| | | |
|
|
Starting lender yield:
| 28.50% |
Starting borrower rate/APR:
| 29.50% / 33.51% |
Starting monthly payment:
| $63.27 |
| |
|
Auction yield range:
| 10.51% - 28.50% |
Estimated loss impact:
| 11.52% | | |
|
Lender servicing fee:
| 1.00% |
Estimated return:
| 16.98% | | |
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
|
Prosper score (1-10):
| 8 |
First credit line:
| Dec-1994 |
Debt/Income ratio:
| 15% |
|
Credit score:
| 660-679 (Dec-2010) |
Inquiries last 6m:
| 1 | Employment status: | Employed |
|
Now delinquent:
| 0 |
Current / open credit lines:
| 11
/
10 | Length of status: | 2y 3m |
|
Amount delinquent:
| $0 |
Total credit lines:
| 34 |
Occupation: | Engineer - Mechanic... |
|
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $13,971 | Stated income: | $50,000-$74,999 |
|
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 63% | | |
| | |
Homeownership:
| Yes | | |
|
Screen name:
| loan-refuge8 |
Borrower's state:
| Colorado |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Description
Make my Daughter's Dreams Come True
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
487977
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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:
| 36.60% | | |
| | | |
|
|
Starting lender yield:
| 34.00% |
Starting borrower rate/APR:
| 35.00% / 38.72% |
Starting monthly payment:
| $339.27 |
| |
|
Auction yield range:
| 16.51% - 34.00% |
Estimated loss impact:
| 38.61% | | |
|
Lender servicing fee:
| 1.00% |
Estimated return:
| -4.61% | | |
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
|
Prosper score (1-10):
| 1 |
First credit line:
| Dec-1986 |
Debt/Income ratio:
| Self-employed (DTI Not Calculated) |
|
Credit score:
| 640-659 (Dec-2010) |
Inquiries last 6m:
| 9 | Employment status: | Self-employed |
|
Now delinquent:
| 0 |
Current / open credit lines:
| 23
/
19 | Length of status: | 6y 4m |
|
Amount delinquent:
| $0 |
Total credit lines:
| 65 |
Occupation: | Dentist |
|
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $160,883 | Stated income: | $100,000+ |
|
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 85% | | |
| | |
Homeownership:
| No | | |
|
Screen name:
| resolute-exchange |
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
Funding for Dental Office Expansion
Purpose of loan:
This loan will be used?for two purposes: 1) to bring the gap between completion of my west palm beach office renovation by January 1st so that I can sublet?my office space to a specialist to?generate more revenue, 2) ?to bridge the gap between my cash on hand (80k) and cash needed (20k)?to purchase a third dental office which will utilize joint marketing from my two existing dental offices.?
My financial situation:
I am a good candidate for this loan because I have two thriving dental practices and my?main location has been recently remodeled awaiting completion for me to move in.? I just need a little more money to bridge the gap between construction completion and my ability to move in so that I can sublet my adjoining suite.? I also need the money to move into the new Boca office,? PNC denied the loan because of my current debt and their inability to look beyond the numbers at what I had built.? I had gutted out 1500sq ft and made a brand new dental office adjoining my existing one to enable growth and the ability to sublet to a specialist who is just awaiting the construction completion to move in.? Further, PNC did not want to finance the third practice due to this project pending.? My two offices are in west palm beach and north palm beach.? My business is Terrific Smiles of WPB, Terrific Smiles of NPB and then I would like to buy their office in boca raton to have Terrific Smiles of Boca Raton.? I would utilize my existing marketing and just add a new location.? I also have a doctor working for me who lives in boca who is anxious to work more days.? My credit score above is inaccurate due to the numberous of inquiries and not to due to my lack of credit worthiness.? I just purchased three business vehicles which ran my credit and put in a few business loan applications.? I always pay my bills without any problem if you would like to view my credit report and review individually.
Monthly net income: $ 180k annually
Monthly expenses: $
??Housing: $ 1950
??Insurance: $ 300
??Car expenses: $ 700
??Utilities: $ 400
??Phone, cable, internet: $ 300
??Food, entertainment: $ 300
??Clothing, household expenses $? 100?
??Credit cards and other loans: $?2000 (student loans, small credit card payments)
??Other expenses: $ none major
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
487989
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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:
| 10.80% | | |
| | | |
|
|
Starting lender yield:
| 28.50% |
Starting borrower rate/APR:
| 29.50% / 33.10% |
Starting monthly payment:
| $316.34 |
| |
|
Auction yield range:
| 10.51% - 28.50% |
Estimated loss impact:
| 11.52% | | |
|
Lender servicing fee:
| 1.00% |
Estimated return:
| 16.98% | | |
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
|
Prosper score (1-10):
| 7 |
First credit line:
| Sep-1992 |
Debt/Income ratio:
| 22% |
|
Credit score:
| 680-699 (Dec-2010) |
Inquiries last 6m:
| 0 | Employment status: | Employed |
|
Now delinquent:
| 0 |
Current / open credit lines:
| 7
/
7 | Length of status: | 13y 6m |
|
Amount delinquent:
| $0 |
Total credit lines:
| 24 |
Occupation: | Other |
|
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $12,721 | Stated income: | $25,000-$49,999 |
|
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 77% | | |
| | |
Homeownership:
| Yes | | |
|
Screen name:
| professional-p2p8 |
Borrower's state:
| Alabama |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Description
PAYING OFF CREDIT CARDS AND LOAN
Purpose of loan:
This loan will be used to? DEBT CONSOLIDATION
My financial situation:
I am a good candidate for this loan because? I PAY ALL LOANS
Monthly net income: $ 3662
Monthly expenses: $
??Housing: $ 1251
??Insurance: $
??Car expenses: $ 178
??Utilities: $?320
??Phone, cable, internet: $?160
??Food, entertainment: $ 200
??Clothing, household expenses $ 100
??Credit cards and other loans: $ 800
??Other expenses: $
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
487995
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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:
| HR |
Auction Duration:
| 7 days
|
|
Term:
| 36 months |
Estimated loss:
| 18.30% | | |
| | | |
|
|
Starting lender yield:
| 34.00% |
Starting borrower rate/APR:
| 35.00% / 40.75% |
Starting monthly payment:
| $49.76 |
| |
|
Auction yield range:
| 16.51% - 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-1998 |
Debt/Income ratio:
| 18% |
|
Credit score:
| 660-679 (Dec-2010) |
Inquiries last 6m:
| 1 | Employment status: | Employed |
|
Now delinquent:
| 0 |
Current / open credit lines:
| 3
/
3 | Length of status: | 4y 7m |
|
Amount delinquent:
| $0 |
Total credit lines:
| 20 |
Occupation: | Administrative Assi... |
|
Public records last 12m / 10y:
| 0/ 1 |
Revolving credit balance:
| $1,024 | Stated income: | $25,000-$49,999 |
|
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 97% | | |
| | |
Homeownership:
| No | | |
|
Screen name:
| durability-accordion |
Borrower's state:
| Indiana |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Description
Getting an apartment-Fresh start
Purpose of loan:
This loan will be used to? get an apartment and fresh start.??I?recently broke off?an engagement?due to his dishonesty, unfortunately I used my savings to help remodel his home.? I have found there are first and last months rent, application fees, the utility deposits, initial groceries and I have a dog who has been a loyal friend of 4 years that I have raised as a puppy and therefore, a one-time pet deposit of $200.? I would very much appreciate help so that I can get past this,?and begin enjoying life again especially with?my granddaughter above in the photo with me.
My financial situation:
I am a good candidate for this loan because? I am 46 years old and have been?a dedicated employee of Jefferson Pointe Shopping Center as Property Administrative Assistant for 4 1/2 years to the General Manager of the Mall.? Prior to that I was an accounts receivable manager for 9 years at the same company.? Last winter I was given an additional raise just for my outstanding job performance where I currently.? I pay my bills on time and have one visa card and once store card, only because the store card has no interest.? I had a bankruptcy in my past due to my husband leaving the state and me with two house payments and have worked very hard to overcome and rebuild my credit.? There may now be a?mortgage showing up on my credit report however it has been?sold at cost?and I will provide documentation to show this.
Monthly net income: $ 3550
Monthly expenses: $ 1780
??Housing: $ 500 es
??Insurance: $ 100
??Car expenses: $ 440 and 140 for a car for my daughter who is?college
??Utilities: $ 100
??Phone, cable, internet: $ 80, I only need my phone
??Food, entertainment: $ 225
??Clothing, household expenses $ 50
??Credit cards and other loans: $ 125
??Other expenses: $ 20/pet food
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
488001
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
|
Amount:
| $1,500.00 |
Prosper Rating:
| HR |
Auction Duration:
| 7 days
|
|
Term:
| 36 months |
Estimated loss:
| 18.30% | | |
| | | |
|
|
Starting lender yield:
| 34.00% |
Starting borrower rate/APR:
| 35.00% / 39.15% |
Starting monthly payment:
| $67.85 |
| |
|
Auction yield range:
| 16.51% - 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:
| May-2010 |
Debt/Income ratio:
| Not calculated |
|
Credit score:
| 700-719 (Dec-2010) |
Inquiries last 6m:
| 0 | Employment status: | Not employed |
|
Now delinquent:
| 0 |
Current / open credit lines:
| 2
/
2 | Length of status: | 0y 5m |
|
Amount delinquent:
| $0 |
Total credit lines:
| 2 | Stated income: | Not employed |
|
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $0 | |
|
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 0% | | |
| | |
Homeownership:
| No | | |
|
Screen name:
| productive-yield8 |
Borrower's state:
| Michigan |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Description
Paying for bills
Purpose of loan:
This loan will be used to help me pay for bills while I am living at school and attending Western Michigan University.
My financial situation:
I am a good candidate for this loan because I will make every appropriate payment on time because I have a steady income every four months from my native american tribe and will use the money for its intended purposes
Monthly net income: $1000
Monthly expenses: $725
??Housing: $350
??Insurance: $
??Car expenses: $0
??Utilities: $150
??Phone, cable, internet: $25
??Food, entertainment: $150
??Clothing, household expenses $50
??Credit cards and other loans: $0
??Other expenses: $
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
488031
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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:
| B |
Auction Duration:
| 7 days
|
|
Term:
| 36 months |
Estimated loss:
| 4.95% | | |
| | | |
|
|
Starting lender yield:
| 12.40% |
Starting borrower rate/APR:
| 13.40% / 15.55% |
Starting monthly payment:
| $118.60 |
| |
|
Auction yield range:
| 5.51% - 12.40% |
Estimated loss impact:
| 5.16% | | |
|
Lender servicing fee:
| 1.00% |
Estimated return:
| 7.24% | | |
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):
| 8 |
First credit line:
| Apr-1998 |
Debt/Income ratio:
| 22% |
|
Credit score:
| 760-779 (Dec-2010) |
Inquiries last 6m:
| 0 | Employment status: | Employed |
|
Now delinquent:
| 0 |
Current / open credit lines:
| 10
/
10 | Length of status: | 15y 6m |
|
Amount delinquent:
| $0 |
Total credit lines:
| 32 |
Occupation: | Sales - Retail |
|
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $12,335 | Stated income: | $25,000-$49,999 |
|
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 34% | | |
| | |
Homeownership:
| No | | |
|
Screen name:
| chrisd1224 |
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.
Prosper Activity
| Loan history | Payment history | Credit score history |
|
Active / total loans:
| 1 / 1 |
On-time:
| 29 ( 100% )
| 760-779 (Latest)
|
|
Principal borrowed:
| $3,000.00 | < 31 days late:
| 0
( 0% )
| 740-759
(May-2008)
|
|
Principal balance:
| $17.42 |
31+ days late:
| 0
( 0% )
|
|
Total payments billed:
| 29 | | |
Description
Paying off a high APR card
Purpose of loan:
This loan will be used to pay down a high interest credit card. The current APR is 20.99%. I have contacted them numerous times in an attempt to lower the rate, but so far it has been declined.
My financial situation:
I am a good candidate for this loan because I have never had a late payment on any credit cards or loans. This would be my second prosper loan and the first one was paid off before the 3 years. This month will actually be my final payment towards it. I am currently employed full time as a bookkeeper and customer service clerk in a supermarket. My job is secure.
Monthly net income: Take home is approximately $2,500
all of my current expenses total approximately $2,200. This includes rent, electricity, cable, phone, internet, heat, payments to other credit cards, food, etc.
If there are any questions, please feel free to ask and I will answer promptly.
Thank you for considering me for this loan.
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
488225
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
|
Amount:
| $1,200.00 |
Prosper Rating:
| B |
Auction Duration:
| 7 days
|
|
Term:
| 36 months |
Estimated loss:
| 5.95% | | |
| | | |
|
|
Starting lender yield:
| 13.90% |
Starting borrower rate/APR:
| 14.90% / 19.53% |
Starting monthly payment:
| $41.54 |
| |
|
Auction yield range:
| 5.51% - 13.90% |
Estimated loss impact:
| 6.18% | | |
|
Lender servicing fee:
| 1.00% |
Estimated return:
| 7.72% | | |
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
|
Prosper score (1-10):
| 9 |
First credit line:
| Sep-2006 |
Debt/Income ratio:
| 3% |
|
Credit score:
| 720-739 (Dec-2010) |
Inquiries last 6m:
| 1 | Employment status: | Employed |
|
Now delinquent:
| 1 |
Current / open credit lines:
| 5
/
4 | Length of status: | 0y 4m |
|
Amount delinquent:
| $0 |
Total credit lines:
| 8 |
Occupation: | Analyst |
|
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $1,172 | Stated income: | $25,000-$49,999 |
|
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 20% | | |
| | |
Homeownership:
| No | | |
|
Screen name:
| p2p-curriculum5 |
Borrower's state:
| Virginia |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Description
Pay off my 29.99% Credit Card
Purpose of loan:
This loan will be used to pay off my credit card with a balance of $1,172.71 with a 29.99% APR. I've been paying this down for the past four months slowly and want to just finally get rid of it! I obtained this debt when during my senior year of college and between my graduation in May 2010 and my employment in August 2010. I used my credit card to pay for basic life expenses.?
My financial situation:
I have good credit, a steady job, and am asking for this loan to better my financial situation.
Monthly net income: $
2244
Monthly expenses: $
1935
??Housing: $
450
??Insurance: $
20
??Car expenses: $ 250
??Utilities: $
130
??Phone, cable, internet: $
130
??Food, entertainment: $
130
??Clothing, household expenses $ 25
??Credit cards and other loans: $ 800
??Other expenses: $
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
488233
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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:
| 24.00% | | |
| | | |
|
|
Starting lender yield:
| 34.00% |
Starting borrower rate/APR:
| 35.00% / 38.72% |
Starting monthly payment:
| $339.27 |
| |
|
Auction yield range:
| 16.51% - 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-1990 |
Debt/Income ratio:
| Self-employed (DTI Not Calculated) |
|
Credit score:
| 740-759 (Nov-2010) |
Inquiries last 6m:
| 0 | Employment status: | Self-employed |
|
Now delinquent:
| 0 |
Current / open credit lines:
| 6
/
6 | Length of status: | 9y 3m |
|
Amount delinquent:
| $0 |
Total credit lines:
| 17 |
Occupation: | Retail Management |
|
Public records last 12m / 10y:
| 0/ 1 |
Revolving credit balance:
| $12 | Stated income: | $100,000+ |
|
Delinquencies in last 7y:
| 8 |
Bankcard utilization:
| 0% | | |
| | |
Homeownership:
| Yes | | |
|
Screen name:
| encouraging-credit3 |
Borrower's state:
| Michigan |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Description
Inventory for Business
Purpose of loan:
Purchase inventory for retail store and website sales
My financial situation:
I am a good candidate for this loan because:
I always pay my bills
I will pay back the loan in full and on time.
I have a steady income with almost no revolving debt
Good cash flow
9 years in business
Have been current on all my accounts for close to six years
I do plan to pay this loan off early.
Note: I'm aware that there are some delinquencies showing up, that's why I'm here and not at a bank.?NONE of these are even remotely recent. I had some?brief cash flow issues in?2004.
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
488249
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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:
| 10.80% | | |
| | | |
|
|
Starting lender yield:
| 28.50% |
Starting borrower rate/APR:
| 29.50% / 33.10% |
Starting monthly payment:
| $210.89 |
| |
|
Auction yield range:
| 10.51% - 28.50% |
Estimated loss impact:
| 11.52% | | |
|
Lender servicing fee:
| 1.00% |
Estimated return:
| 16.98% | | |
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
|
Prosper score (1-10):
| 7 |
First credit line:
| Dec-1986 |
Debt/Income ratio:
| 31% |
|
Credit score:
| 700-719 (Dec-2010) |
Inquiries last 6m:
| 1 | Employment status: | Employed |
|
Now delinquent:
| 0 |
Current / open credit lines:
| 6
/
4 | Length of status: | 7y 2m |
|
Amount delinquent:
| $0 |
Total credit lines:
| 12 |
Occupation: | Religious |
|
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $18,098 | Stated income: | $25,000-$49,999 |
|
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 69% | | |
| | |
Homeownership:
| No | | |
|
Screen name:
| impeccable-yield6 |
Borrower's state:
| Oklahoma |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Description
CDL driving school for my wife & I
Purpose of loan:
This loan will be used to pay for my wife and I to obtain our CDL licenses at Central Oklahoma Area Vocational Technical School. This is the one and only public school in Oklahoma that teaches a CDL course. Approx 98% of their graduates are placed in jobs, because this school is known as a quality school to hire CDL graduates from. The reason it is the only Oklahoma public educational establishment that teaches CDL licensing is because in 1988 the state legislature decided it would be better to have a really good school in one location, than to have sub-par schools teaching this subject all over the state. As a result, it has become known as one of the best, biggest, and finest CDL schools in the nation.
My financial situation:
I am a good candidate for this loan because I have never missed making loan payments. I believe when I borrow money I am promising to pay that money back period, no exceptions, no matter who I borrow from. I have the excess cash in my monthly cashflow to pay for this loan. I am an enterprising, honest individual that, besides being full-time employed, am self-employed, building websites. My wife works hard also, and our combined incomes will go towards paying off this loan.
Monthly net income: $2,500
Monthly expenses: $
??Housing: $0 - my housing is included in my employment
??Insurance: $25-life, $35-car
??Car expenses: $0 - my car is paid for
??Utilities: $0 - included in my employment
??Phone, cable, internet: $65
??Food, entertainment: $100
??Clothing, household expenses $50
??Credit cards and other loans: $1,200
??Other expenses: $250 - website design expenses, $130 - tithe to my local church
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
488273
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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:
| 10.80% | | |
| | | |
|
|
Starting lender yield:
| 28.50% |
Starting borrower rate/APR:
| 29.50% / 33.10% |
Starting monthly payment:
| $316.34 |
| |
|
Auction yield range:
| 10.51% - 28.50% |
Estimated loss impact:
| 11.52% | | |
|
Lender servicing fee:
| 1.00% |
Estimated return:
| 16.98% | | |
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
|
Prosper score (1-10):
| 8 |
First credit line:
| Jan-2007 |
Debt/Income ratio:
| 22% |
|
Credit score:
| 720-739 (Dec-2010) |
Inquiries last 6m:
| 0 | Employment status: | Employed |
|
Now delinquent:
| 0 |
Current / open credit lines:
| 6
/
5 | Length of status: | 2y 8m |
|
Amount delinquent:
| $0 |
Total credit lines:
| 9 |
Occupation: | Nurse's Aide |
|
Public records last 12m / 10y:
| 0/ 1 |
Revolving credit balance:
| $4,703 | Stated income: | $25,000-$49,999 |
|
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 41% | | |
| | |
Homeownership:
| No | | |
|
Screen name:
| balance-embrace9 |
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
Refinancing for a lower rate.
Purpose of loan:
This loan will be used to refinance a loan I have with another lender. Basically I am just shopping for a better/lower rate.
My financial situation:
I am a good candidate for this loan because I take loan payment seriously.
Monthly net income: $
Monthly expenses: $
??Housing: $
??Insurance: $
??Car expenses: $
??Utilities: $
??Phone, cable, internet: $
??Food, entertainment: $
??Clothing, household expenses $
??Credit cards and other loans: $
??Other expenses: $
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
488275
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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:
| 24.00% | | |
| | | |
|
|
Starting lender yield:
| 34.00% |
Starting borrower rate/APR:
| 35.00% / 38.72% |
Starting monthly payment:
| $158.33 |
| |
|
Auction yield range:
| 16.51% - 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-2005 |
Debt/Income ratio:
| Self-employed (DTI Not Calculated) |
|
Credit score:
| 640-659 (Dec-2010) |
Inquiries last 6m:
| 1 | Employment status: | Self-employed |
|
Now delinquent:
| 1 |
Current / open credit lines:
| 15
/
12 | Length of status: | 2y 3m |
|
Amount delinquent:
| $482 |
Total credit lines:
| 17 |
Occupation: | Professional |
|
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $2,911 | Stated income: | $50,000-$74,999 |
|
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 44% | | |
| | |
Homeownership:
| No | | |
|
Screen name:
| jfernand4200 |
Borrower's state:
| Delaware |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Description
Paying all my credit cards
Purpose of loan:
This loan will be used to?
Pay my credit cards and increase my credit score
My financial situation:
I am a good candidate for this loan because?
Monthly net income: $
5750
Monthly expenses: $
??Housing: $
1450
??Insurance: $
158
??Car expenses: $
287
??Utilities: $
243
??Phone, cable, internet: $
185
??Food, entertainment: $
250
??Clothing, household expenses $
200
??Credit cards and other loans: $
550
??Other expenses: $
200
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
488287
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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:
| 24.00% | | |
| | | |
|
|
Starting lender yield:
| 34.00% |
Starting borrower rate/APR:
| 35.00% / 38.72% |
Starting monthly payment:
| $339.27 |
| |
|
Auction yield range:
| 16.51% - 34.00% |
Estimated loss impact:
| 26.01% | | |
|
Lender servicing fee:
| 1.00% |
Estimated return:
| 7.99% | | |
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
|
Prosper score (1-10):
| 2 |
First credit line:
| Feb-1996 |
Debt/Income ratio:
| 53% |
|
Credit score:
| 660-679 (Nov-2010) |
Inquiries last 6m:
| 0 | Employment status: | Employed |
|
Now delinquent:
| 1 |
Current / open credit lines:
| 19
/
15 | Length of status: | 3y 2m |
|
Amount delinquent:
| $107 |
Total credit lines:
| 57 |
Occupation: | Medical Technician |
|
Public records last 12m / 10y:
| 0/ 1 |
Revolving credit balance:
| $95,689 | Stated income: | $50,000-$74,999 |
|
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 95% | | |
| | |
Homeownership:
| Yes | | |
|
Screen name:
| bigdees |
Borrower's state:
| Connecticut |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Description
Balance Transfer
Purpose of loan:
Relisting at a higher interest rate.This loan will be used to? take out a home equity loan. and consolidate my entire credit card balance. The 7500 loan from prosper will be used to pay for closing cost and down payment. My primary home of residence has no mortgage.
My financial situation:
I am a good candidate for this loan because?I pay all my bills on time. I am current on all accounts. My credit history goes as far back 2/1996. The loan will be required required for at least 3 to 6 months until the closing for my home euity line of credit is approved. My credit score has dropped due to credit cards reducing my line of credit and increasing my debit and avaliable credit ratio.
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
488291
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
|
Amount:
| $5,500.00 |
Prosper Rating:
| A |
Auction Duration:
| 7 days
|
|
Term:
| 36 months |
Estimated loss:
| 3.50% | | |
| | | |
|
|
Starting lender yield:
| 9.95% |
Starting borrower rate/APR:
| 10.95% / 13.07% |
Starting monthly payment:
| $179.93 |
| |
|
Auction yield range:
| 3.51% - 9.95% |
Estimated loss impact:
| 3.53% | | |
|
Lender servicing fee:
| 1.00% |
Estimated return:
| 6.42% | | |
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
|
Prosper score (1-10):
| 9 |
First credit line:
| Apr-2000 |
Debt/Income ratio:
| 12% |
|
Credit score:
| 740-759 (Dec-2010) |
Inquiries last 6m:
| 1 | Employment status: | Employed |
|
Now delinquent:
| 0 |
Current / open credit lines:
| 5
/
5 | Length of status: | 3y 0m |
|
Amount delinquent:
| $0 |
Total credit lines:
| 7 |
Occupation: | Other |
|
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $3,190 | Stated income: | $25,000-$49,999 |
|
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 16% | | |
| | |
Homeownership:
| No | | |
|
Screen name:
| order-wizard2 |
Borrower's state:
| Michigan |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Description
Pay off another loan at higher rate
Purpose of loan:
This loan will be used to?
Pay off a loan that I got at a higher rate and buy some furniture that I need.
My financial situation:
I am a good candidate for this loan because? I am good borrower.? Never have been late, delinquent, or had any accounts in collections.? I have a stable job history and I am employed for a growing company.
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
488293
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
|
Amount:
| $7,500.00 |
Prosper Rating:
| E |
Auction Duration:
| 7 days
|
|
Term:
| 36 months |
Estimated loss:
| 14.20% | | |
| | | |
|
|
Starting lender yield:
| 31.20% |
Starting borrower rate/APR:
| 32.20% / 35.86% |
Starting monthly payment:
| $327.49 |
| |
|
Auction yield range:
| 13.51% - 31.20% |
Estimated loss impact:
| 15.63% | | |
|
Lender servicing fee:
| 1.00% |
Estimated return:
| 15.57% | | |
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should 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-2006 |
Debt/Income ratio:
| Not calculated |
|
Credit score:
| 660-679 (Nov-2010) |
Inquiries last 6m:
| 0 | Employment status: | Employed |
|
Now delinquent:
| 0 |
Current / open credit lines:
| 4
/
4 | Length of status: | 1y 0m |
|
Amount delinquent:
| $0 |
Total credit lines:
| 5 |
Occupation: | Skilled Labor |
|
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $4,489 | Stated income: | $25,000-$49,999 |
|
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 68% | | |
| | |
Homeownership:
| No | | |
|
Screen name:
| reward-temple |
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
Debt Consolidation
Purpose of loan:
Debt Consolidation
My financial situation:
GREAT RETURN? RATE!!!
Monthly net income: $ 2000.00
Monthly expenses: $ 650.00
??Housing: $ 200.00
??Insurance: $ 50.00????
??Car expenses: $ 50.00????
??Utilities: $ 40.00????
??Phone, cable, internet: $ 30.00????
??Food, entertainment: $ 100.00????
??Clothing, household expenses $ 100
??Credit cards and other loans: $ 30.00
??Other expenses: $ 50.00
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
488299
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
|
Amount:
| $5,000.00 |
Prosper Rating:
| A |
Auction Duration:
| 7 days
|
|
Term:
| 36 months |
Estimated loss:
| 3.25% | | |
| | | |
|
|
Starting lender yield:
| 9.55% |
Starting borrower rate/APR:
| 10.55% / 12.66% |
Starting monthly payment:
| $162.63 |
| |
|
Auction yield range:
| 3.51% - 9.55% |
Estimated loss impact:
| 3.28% | | |
|
Lender servicing fee:
| 1.00% |
Estimated return:
| 6.27% | | |
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
|
Prosper score (1-10):
| 9 |
First credit line:
| Jul-1993 |
Debt/Income ratio:
| 6% |
|
Credit score:
| 720-739 (Dec-2010) |
Inquiries last 6m:
| 0 | Employment status: | Employed |
|
Now delinquent:
| 0 |
Current / open credit lines:
| 4
/
4 | Length of status: | 1y 3m |
|
Amount delinquent:
| $0 |
Total credit lines:
| 41 |
Occupation: | Construction |
|
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $746 | Stated income: | $50,000-$74,999 |
|
Delinquencies in last 7y:
| 47 |
Bankcard utilization:
| 74% | | |
| | |
Homeownership:
| Yes | | |
|
Screen name:
| Born_to_Run |
Borrower's state:
| Michigan |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
| Loan history | Payment history | Credit score history |
|
Active / total loans:
| 0 / 2 |
On-time:
| 22 ( 100% )
| 720-739 (Latest)
|
|
Principal borrowed:
| $6,500.00 | < 31 days late:
| 0
( 0% )
| 720-739
(Nov-2010)
720-739
(Oct-2010)
680-699
(Dec-2009)
740-759
(Jan-2008)
|
|
Principal balance:
| $0.01 |
31+ days late:
| 0
( 0% )
|
|
Total payments billed:
| 22 | | |
Description
Last Credit Card, Need pay off Now.
Purpose of loan:
Thanks for your interest in bidding on my loan....................I'm just wanting to Pay off 1?loan that?is open at 28%.
We are very responsible people so feel?at ease to fund us...............My wifes income is over $15,000 yr. if this hepls your decision.
Monthly net income: $
$5200.00
Monthly expenses: $?
??Mortgage: $ 2300
??Insurance: $?300
??Car expenses: $?350
??Utilities: $?400
??Phone, cable, internet: $ 200
??Food, entertainment: $?700
??Clothing, household expenses $ 100
??Credit cards and other loans: $?300
??Other expenses: $ 200
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
488333
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
|
Amount:
| $7,500.00 |
Prosper Rating:
| E |
Auction Duration:
| 7 days
|
|
Term:
| 36 months |
Estimated loss:
| 14.20% | | |
| | | |
|
|
Starting lender yield:
| 31.20% |
Starting borrower rate/APR:
| 32.20% / 35.86% |
Starting monthly payment:
| $327.49 |
| |
|
Auction yield range:
| 13.51% - 31.20% |
Estimated loss impact:
| 15.63% | | |
|
Lender servicing fee:
| 1.00% |
Estimated return:
| 15.57% | | |
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should 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-1994 |
Debt/Income ratio:
| 25% |
|
Credit score:
| 680-699 (Dec-2010) |
Inquiries last 6m:
| 1 | Employment status: | Employed |
|
Now delinquent:
| 0 |
Current / open credit lines:
| 4
/
3 | Length of status: | 2y 7m |
|
Amount delinquent:
| $0 |
Total credit lines:
| 22 |
Occupation: | Other |
|
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $2,796 | Stated income: | $50,000-$74,999 |
|
Delinquencies in last 7y:
| 3 |
Bankcard utilization:
| 94% | | |
| | |
Homeownership:
| No | | |
|
Screen name:
| peace-patriot |
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 my cc and installment
Purpose of loan:
This loan will be used to? Consolidate my CC and Installment Loan
My financial situation:
I am a good candidate for this loan because? I do pay my bills on time and I do have?a good?Debt -to-Income Ratio?
Monthly net income: $ 4,500
Monthly expenses: $
??Housing: $0
??Insurance: $ 81.00
??Car expenses: $ 0
??Utilities: $ 300.00
??Phone, cable, internet: $ 200.00
??Food, entertainment: $ 200.00
??Clothing, household expenses $
??Credit cards and other loans: $ 200.00
??Other expenses: $ 0
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
487794
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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:
| 24.00% | | |
| | | |
|
|
Starting lender yield:
| 34.00% |
Starting borrower rate/APR:
| 35.00% / 38.72% |
Starting monthly payment:
| $339.27 |
| |
|
Auction yield range:
| 16.51% - 34.00% |
Estimated loss impact:
| 26.01% | | |
|
Lender servicing fee:
| 1.00% |
Estimated return:
| 7.99% | | |
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
|
Prosper score (1-10):
| 2 |
First credit line:
| Apr-1994 |
Debt/Income ratio:
| Not calculated |
|
Credit score:
| 660-679 (Dec-2010) |
Inquiries last 6m:
| 3 | Employment status: | Employed |
|
Now delinquent:
| 0 |
Current / open credit lines:
| 6
/
6 | Length of status: | 11y 3m |
|
Amount delinquent:
| $0 |
Total credit lines:
| 24 |
Occupation: | Executive |
|
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $14,740 | Stated income: | $100,000+ |
|
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 90% | | |
| | |
Homeownership:
| No | | |
|
Screen name:
| svandgts |
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
Preparing to buy a house
Relisting reason:
I was fully funded and the prosper verification process cancelled my listing as my mailing address was different from my current physical address. I have entered the information properly now.
My Credit Score:
Its showing as 660-679 when I have no delinquencies nor the past 7 years. Not sure why... I think it might be because one of my card with Citibank doesn't report a credit limit and therefore is always considered as maxed out. Proceeds from this loan will payoff that balance.
Also a Lender on Prosper:
I am also a lender on Proper with over 5k invested.
Purpose of loan:
This loan will be used to pay off my credit cards in order to improve my credit score in preparation of obtaining a mortgage to buy the house I live in with my two children.
My financial situation:
I am a good candidate for this loan because my income allows me to make payments when due and my credit history shows how responsible I am with my finances.
Monthly net income: $14600
Monthly expenses: $12600
??Housing: $9500
??Insurance: $200
??Car expenses: $400
??Utilities: $900
??Phone, cable, internet: $300
??Food, entertainment: $500
??Clothing, household expenses $300
??Credit cards and other loans: $300
??Other expenses: $200
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
487886
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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:
| 24.00% | | |
| | | |
|
|
Starting lender yield:
| 34.00% |
Starting borrower rate/APR:
| 35.00% / 38.72% |
Starting monthly payment:
| $339.27 |
| |
|
Auction yield range:
| 16.51% - 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-1996 |
Debt/Income ratio:
| Not calculated |
|
Credit score:
| 660-679 (Dec-2010) |
Inquiries last 6m:
| 5 | Employment status: | Employed |
|
Now delinquent:
| 0 |
Current / open credit lines:
| 4
/
2 | Length of status: | 0y 1m |
|
Amount delinquent:
| $0 |
Total credit lines:
| 26 |
Occupation: | Investor |
|
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $389 | Stated income: | $25,000-$49,999 |
|
Delinquencies in last 7y:
| 14 |
Bankcard utilization:
| 64% | | |
| | |
Homeownership:
| No | | |
|
Screen name:
| rate-machine4 |
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
Loan to take care of business Debt
Purpose of loan:
This loan will be used to help me and my son with our start up debt.
My financial situation is going to be in excellent condition, right now it is in very good condition.:
I am a good candidate for this loan because?
Monthly net income: $3100
Monthly expenses: $800
??Housing: Husband Pays that expense
??Insurance: $Husband pays expense
??Car expenses: $120
??Utilities: $Husband Pays
??Phone, cable, internet: $Husband Pays
??Food, entertainment: $husband pays
??Clothing, household expenses $Husband Pays
??Credit cards and other loans: $Husband Pays
??Other expenses: $Husband Pays
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
487962
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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:
| 24.00% | | |
| | | |
|
|
Starting lender yield:
| 34.00% |
Starting borrower rate/APR:
| 36.00% / 39.75% |
Starting monthly payment:
| $343.53 |
| |
|
Auction yield range:
| 16.51% - 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:
| Sep-1984 |
Debt/Income ratio:
| 9% |
|
Credit score:
| 640-659 (Dec-2010) |
Inquiries last 6m:
| 11 | Employment status: | Employed |
|
Now delinquent:
| 0 |
Current / open credit lines:
| 10
/
8 | Length of status: | 2y 10m |
|
Amount delinquent:
| $0 |
Total credit lines:
| 55 |
Occupation: | Professional |
|
Public records last 12m / 10y:
| 0/ 1 |
Revolving credit balance:
| $2,413 | Stated income: | $75,000-$99,999 |
|
Delinquencies in last 7y:
| 12 |
Bankcard utilization:
| 12% | | |
| | |
Homeownership:
| No | | |
|
Screen name:
| inspiring-gain8 |
Borrower's state:
| California |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Description
Paying off high interest debt
Purpose of loan:
This loan will be used to?Pay off high interest debt and get back to saving money?
My financial situation:
I am a good candidate for this loan because? I am and have been employed for over?12 years in the same line of work. I work for a solid company with good benefits and bonuses.
Monthly net income: $ 4800.00
Monthly expenses: $
??Housing: $ 1695
??Insurance: $?0
??Car expenses: $ Gas-100
??Utilities: $?100
??Phone, cable, internet: $ 130
??Food, entertainment: $?300
??Clothing, household expenses $?50
??Credit cards and other loans: $ 700
??Other expenses: $ 0
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
487968
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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:
| 24.00% | | |
| | | |
|
|
Starting lender yield:
| 34.00% |
Starting borrower rate/APR:
| 35.00% / 38.72% |
Starting monthly payment:
| $135.71 |
| |
|
Auction yield range:
| 16.51% - 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-2001 |
Debt/Income ratio:
| 33% |
|
Credit score:
| 660-679 (Dec-2010) |
Inquiries last 6m:
| 4 | Employment status: | Employed |
|
Now delinquent:
| 0 |
Current / open credit lines:
| 9
/
8 | Length of status: | 8y 7m |
|
Amount delinquent:
| $0 |
Total credit lines:
| 17 |
Occupation: | Tradesman - Electri... |
|
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $12,725 | Stated income: | $50,000-$74,999 |
|
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 75% | | |
| | |
Homeownership:
| Yes | | |
|
Screen name:
| fund-magnate2 |
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
Cutting up the Cards!!!
Hi All,
I'am a great candidate because I payout $ 800 a month on credit cards & loans and if I get this loan I can
pay off all my existing debt and drop my payment to $ 135 a month which, I can easily do.
My job status is excellent, I've never been laid off and I just got promoted to Operations Manager 4 months ago.
My Prosper rating is HR because of useage on all of my debt, I pay all my cards on time with no delinquent marks on my credit history.
Total Income: $ 4,856.21
Total Expenses:
Mortgage:1229.21
Vehicle Loan: $575
Vehicle Insurance: $ 153
Utilities: $ 260
TV, Phone, Internet: $189
Groceries & entertainment: $ 675
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
487974
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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:
| 10.80% | | |
| | | |
|
|
Starting lender yield:
| 28.50% |
Starting borrower rate/APR:
| 29.50% / 33.10% |
Starting monthly payment:
| $316.34 |
| |
|
Auction yield range:
| 10.51% - 28.50% |
Estimated loss impact:
| 11.52% | | |
|
Lender servicing fee:
| 1.00% |
Estimated return:
| 16.98% | | |
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
|
Prosper score (1-10):
| 6 |
First credit line:
| Feb-1996 |
Debt/Income ratio:
| Self-employed (DTI Not Calculated) |
|
Credit score:
| 700-719 (Dec-2010) |
Inquiries last 6m:
| 0 | Employment status: | Self-employed |
|
Now delinquent:
| 0 |
Current / open credit lines:
| 11
/
11 | Length of status: | 10y 6m |
|
Amount delinquent:
| $0 |
Total credit lines:
| 22 |
Occupation: | Other |
|
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $15,148 | Stated income: | $100,000+ |
|
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 63% | | |
| | |
Homeownership:
| No | | |
|
Screen name:
| ingenious-velocity1 |
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
Broadband equipment for new orders
Purpose of loan:
This loan will be used to purchase Wireless Broadband equipment, which will immediately be put in service, to fulfill pending new broadband subscriber?orders.? Subscriber orders are term contracts that generate reoccurring monthly revenue.?Clientele are anchor institutions.
My financial situation:
I am a good candidate for this loan because? I have been in business for 10 years, and am respected in the industry as a leading provider of broadband service to my area.? My company is debt-free, and I own its tri-state network in full.?This is a risk-free transaction because a method of repayment has already been locked down for this transaction.?
Subscriber: A?major hotel.
Monthly?subscriber contract revenue: $ 2000/month, 1 yr term, renewable.
Monthly expenses -?Estimated Prosper loan: $300 /month, 3 yr term.
Monthly profit/income: $1700 /month.?
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
487986
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
|
Amount:
| $3,000.00 |
Prosper Rating:
| D |
Auction Duration:
| 7 days
|
|
Term:
| 36 months |
Estimated loss:
| 10.80% | | |
| | | |
|
|
Starting lender yield:
| 28.50% |
Starting borrower rate/APR:
| 29.50% / 33.10% |
Starting monthly payment:
| $126.53 |
| |
|
Auction yield range:
| 10.51% - 28.50% |
Estimated loss impact:
| 11.52% | | |
|
Lender servicing fee:
| 1.00% |
Estimated return:
| 16.98% | | |
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
|
Prosper score (1-10):
| 6 |
First credit line:
| Feb-2001 |
Debt/Income ratio:
| Not calculated |
|
Credit score:
| 720-739 (Dec-2010) |
Inquiries last 6m:
| 6 | Employment status: | Employed |
|
Now delinquent:
| 0 |
Current / open credit lines:
| 15
/
11 | Length of status: | 0y 0m |
|
Amount delinquent:
| $0 |
Total credit lines:
| 19 |
Occupation: | Sales - Retail |
|
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $3,304 | Stated income: | $1-$24,999 |
|
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 9% | | |
| | |
Homeownership:
| No | | |
|
Screen name:
| exchange-spruce6 |
Borrower's state:
| Georgia |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Description
Personal loan for business use
Purpose of loan:
This loan will be used to?
-purchase more inventory for my business.
My financial situation:
I am a good candidate for this loan because?
I know? what I want to do with this loan and I know that I can and want to pay it back quickly so that we can keep working together.
Monthly net income: $ 550
Monthly expenses: $
??Housing: $ 200
??Insurance: $ 0
??Car expenses: $ 0
??Utilities: $ 100
??Phone, cable, internet: $ 0
??Food, entertainment: $ 0
??Clothing, household expenses $ 0
??Credit cards and other loans: $?20
??Other expenses: $ 0
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
488022
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
|
Amount:
| $3,700.00 |
Prosper Rating:
| HR |
Auction Duration:
| 7 days
|
|
Term:
| 36 months |
Estimated loss:
| 24.00% | | |
| | | |
|
|
Starting lender yield:
| 34.00% |
Starting borrower rate/APR:
| 35.00% / 38.72% |
Starting monthly payment:
| $167.37 |
| |
|
Auction yield range:
| 16.51% - 34.00% |
Estimated loss impact:
| 26.01% | | |
|
Lender servicing fee:
| 1.00% |
Estimated return:
| 7.99% | | |
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
|
Prosper score (1-10):
| 3 |
First credit line:
| Jan-2004 |
Debt/Income ratio:
| 57% |
|
Credit score:
| 660-679 (Dec-2010) |
Inquiries last 6m:
| 2 | Employment status: | Employed |
|
Now delinquent:
| 0 |
Current / open credit lines:
| 17
/
17 | Length of status: | 8y 1m |
|
Amount delinquent:
| $0 |
Total credit lines:
| 31 |
Occupation: | Other |
|
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $11,132 | Stated income: | $50,000-$74,999 |
|
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 82% | | |
| | |
Homeownership:
| Yes | | |
|
Screen name:
| commitment-puppy |
Borrower's state:
| Arkansas |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
| Loan history | Payment history | Credit score history |
|
Active / total loans:
| 1 / 1 |
On-time:
| 9 ( 100% )
| 660-679 (Latest)
|
|
Principal borrowed:
| $3,100.00 | < 31 days late:
| 0
( 0% )
| 640-659
(Feb-2010)
680-699
(Nov-2009)
|
|
Principal balance:
| $2,533.36 |
31+ days late:
| 0
( 0% )
|
|
Total payments billed:
| 9 | | |
Description
Responsible Prosper Borrower
Purpose of loan:
I have found Prosper to be extremely helpful in meeting the needs of my wife & I after the loss of our baby.? This means that I can also make on time payments.? The use of this money will be to pay off a doctor bill and to help pay for my wife's schooling while in graduate school.
My financial situation:
I am a good candidate for this loan because I have been very satisfied with the services of Prosper with a loan that I received earlier this year.? I have never missed a payment, which shows that I am a responsible borrower and serious about my payments being on time.? The reson I would like to apply for this loan is because I am even more financially stable now than I was with my first loan with Prosper.?This loan would help things out even more for my and my wife.?
Monthly net income: $?3,042.62 -?4,068.12 (depending upon monthly overtime & holiday pay)
Monthly expenses: $
??Housing: $ 687.00
??Insurance: $ 220.00
??Car expenses: $ 420.00
??Utilities: $ 110.00
??Phone, cable, internet: $? 130.00
??Food, entertainment: $ 290.00
??Clothing, household expenses $ 200.00
??Credit cards and other loans: $ 588.00
??Other expenses: $ 200.00
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
488104
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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:
| 9.80% | | |
| | | |
|
|
Starting lender yield:
| 26.75% |
Starting borrower rate/APR:
| 27.75% / 31.31% |
Starting monthly payment:
| $206.14 |
| |
|
Auction yield range:
| 10.51% - 26.75% |
Estimated loss impact:
| 10.47% | | |
|
Lender servicing fee:
| 1.00% |
Estimated return:
| 16.28% | | |
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
|
Prosper score (1-10):
| 8 |
First credit line:
| Feb-1990 |
Debt/Income ratio:
| 15% |
|
Credit score:
| 680-699 (Dec-2010) |
Inquiries last 6m:
| 0 | Employment status: | Employed |
|
Now delinquent:
| 0 |
Current / open credit lines:
| 23
/
21 | Length of status: | 17y 1m |
|
Amount delinquent:
| $0 |
Total credit lines:
| 51 |
Occupation: | Executive |
|
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $84,572 | Stated income: | $100,000+ |
|
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 85% | | |
| | |
Homeownership:
| Yes | | |
|
Screen name:
| finance-samurai788 |
Borrower's state:
| Georgia |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
| Loan history | Payment history | Credit score history |
|
Active / total loans:
| 1 / 2 |
On-time:
| 15 ( 100% )
| 680-699 (Latest)
|
|
Principal borrowed:
| $27,500.00 | < 31 days late:
| 0
( 0% )
| 700-719
(Nov-2009)
680-699
(Sep-2008)
|
|
Principal balance:
| $11,573.68 |
31+ days late:
| 0
( 0% )
|
|
Total payments billed:
| 15 | | |
Description
3rd Prosper Loan (nvr late)
LOAN WILL BE SET UP WITH AUTOPAY JUST LIKE THE PAST LOANS.?? I PLAN ON REPAYING THIS LOAN IN FULL BY MAR 2011I AM NOT SURE WHY MY PROSPER RATING IS D ---- PROSPER SCORE OF 8?IS GOOD I?AM A GOOD CREDIT RISK?.My current experian score is 685?
Purpose of loan:???
pay off deferred interest purchases before large accrued interest charges are assessed.
My financial situation:? I have no late or missed payments on my credit.I have been a homeowner since 1994.We are currently in our 3rd home; previous 2 mortgages were paid off.Income (2009 was $260,000 andthis year will be approx. $345,000) and has been in the same position for 17 years.With his position, I get large bonuses early in the year ($75,000 is already earned and due in mid Feb. 2011) which will give us the cash to pay off this loan.this year we have had a lot of unexpected expenses.In April, we had a flood in our basement from the outside which caused significant damage and none of the cost to remove water or replace carpeting ($10,000+) is covered by insurance.This temporarily hurt our cash flow and depleted savings.? Most recently we have had large uncovered dental bills.
Monthly household net income after taxes: $15,000+
Monthly expenses:??Housing (mortgage/ property taxes): $3,850???Insurance (auto and homeowners): $250???Car leases: $599 and $664
??Utilities: $450???Phone, cable, internet: $350???Food, entertainment: $400???Clothing, gas, groceries, household expenses $1,500
??Credit cards and other loans: $2,000?Medical expenses $400?Misc exp $200?401k Contribution $833?Donations (religious and charities) $500
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
488122
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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:
| 24.00% | | |
| | | |
|
|
Starting lender yield:
| 34.00% |
Starting borrower rate/APR:
| 35.00% / 38.72% |
Starting monthly payment:
| $339.27 |
| |
|
Auction yield range:
| 16.51% - 34.00% |
Estimated loss impact:
| 26.01% | | |
|
Lender servicing fee:
| 1.00% |
Estimated return:
| 7.99% | | |
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
|
Prosper score (1-10):
| 3 |
First credit line:
| Nov-2003 |
Debt/Income ratio:
| Self-employed (DTI Not Calculated) |
|
Credit score:
| 640-659 (Dec-2010) |
Inquiries last 6m:
| 1 | Employment status: | Self-employed |
|
Now delinquent:
| 0 |
Current / open credit lines:
| 4
/
3 | Length of status: | 3y 1m |
|
Amount delinquent:
| $0 |
Total credit lines:
| 6 |
Occupation: | Other |
|
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $7,117 | Stated income: | $25,000-$49,999 |
|
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 88% | | |
| | |
Homeownership:
| No | | |
|
Screen name:
| loyalty-launcher |
Borrower's state:
| Michigan |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Description
Audio Equipment Mfg Tradeshow Cost
This loan will be used to pay for booth space and signage at the largest industry trade show where buyers and press come from all over the world to attend. THE NAMM SHOW
?This loan will also pay my travel expenses along with the design of a new website. Development of my first product began just over 3 years ago. The product has been tested and improved to 100% of its potential. Top recording engineers and producers have used the product and will be endorsing it along with some of the most famous recording studios in the industry. This company is also founded on a green approach to manufacturing and the overall image is progressive.?
My financial situation:
I am a good candidate for this loan because as you can see I have never had any marks on my credit history and have never missed a payment. I have put well over $30,000 of my own money into my business already. I have been very careful each step of the way. I already have retail dealers stocking the product and have many contacts and relationships made in preparation for national and international distribution. I intend on paying off this loan in 1 year and not any sooner. You will get your full investment repaid with 34% interest in one year. So far I have sold 12 units and just this month I sold 4 more units without any publicity or efforts. The profit from the sale of 1 unit will cover my monthly loan payment with money left over.
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
488222
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
|
Amount:
| $3,750.00 |
Prosper Rating:
| HR |
Auction Duration:
| 7 days
|
|
Term:
| 36 months |
Estimated loss:
| 24.00% | | |
| | | |
|
|
Starting lender yield:
| 34.00% |
Starting borrower rate/APR:
| 35.00% / 38.72% |
Starting monthly payment:
| $169.64 |
| |
|
Auction yield range:
| 16.51% - 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:
| Aug-1972 |
Debt/Income ratio:
| Self-employed (DTI Not Calculated) |
|
Credit score:
| 700-719 (Dec-2010) |
Inquiries last 6m:
| 2 | Employment status: | Self-employed |
|
Now delinquent:
| 0 |
Current / open credit lines:
| 17
/
16 | Length of status: | 0y 2m |
|
Amount delinquent:
| $0 |
Total credit lines:
| 37 |
Occupation: | Sales - Commission |
|
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $8,887 | Stated income: | $25,000-$49,999 |
|
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 90% | | |
| | |
Homeownership:
| No | | |
|
Screen name:
| efficient-social |
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
My loan to grow my business
Purpose of loan:
This loan will be used to?
grow my business.
My financial situation:
I am a good candidate for this loan because? I am determined to succeed and I dedicate myself to repaying my bills
Monthly net income: $
Monthly expenses: $ 2000
??Housing: $ 1221
??Insurance: $
??Car expenses: $
??Utilities: $
??Phone, cable, internet: $120
??Food, entertainment: $ 200
??Clothing, household expenses $
??Credit cards and other loans: $500
??Other expenses: $
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
488224
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
|
Amount:
| $2,500.00 |
Prosper Rating:
| D |
Auction Duration:
| 7 days
|
|
Term:
| 36 months |
Estimated loss:
| 10.80% | | |
| | | |
|
|
Starting lender yield:
| 28.50% |
Starting borrower rate/APR:
| 29.50% / 33.10% |
Starting monthly payment:
| $105.45 |
| |
|
Auction yield range:
| 10.51% - 28.50% |
Estimated loss impact:
| 11.52% | | |
|
Lender servicing fee:
| 1.00% |
Estimated return:
| 16.98% | | |
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
|
Prosper score (1-10):
| 7 |
First credit line:
| Aug-1982 |
Debt/Income ratio:
| 13% |
|
Credit score:
| 720-739 (Dec-2010) |
Inquiries last 6m:
| 3 | Employment status: | Employed |
|
Now delinquent:
| 0 |
Current / open credit lines:
| 12
/
11 | Length of status: | 5y 11m |
|
Amount delinquent:
| $0 |
Total credit lines:
| 27 |
Occupation: | Executive |
|
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $33,666 | Stated income: | $100,000+ |
|
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 88% | | |
| | |
Homeownership:
| Yes | | |
|
Screen name:
| adaptable-interest554 |
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
Christmas trip for family home
Purpose of loan:
Take?children and grandchildren home for holiday (Ohio)?
My financial situation:
I am a good candidate for this loan because I pay all my bills and always have.? I own a 2007 Jeep Rangler and hold title to the vehicle
Monthly net income: $ 7,200
Monthly expenses: $
??Housing: $ 1500
??Insurance: $ 136
??Car expenses: $ 0
??Utilities: $ 200
??Phone, cable, internet: $ 150
??Food, entertainment: $ 300
??Clothing, household expenses $ 250
??Credit cards and other loans: $ 1200
??Other expenses: $
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
488252
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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:
| 24.00% | | |
| | | |
|
|
Starting lender yield:
| 34.00% |
Starting borrower rate/APR:
| 35.00% / 38.72% |
Starting monthly payment:
| $226.18 |
| |
|
Auction yield range:
| 16.51% - 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-1987 |
Debt/Income ratio:
| 17% |
|
Credit score:
| 680-699 (Dec-2010) |
Inquiries last 6m:
| 4 | Employment status: | Employed |
|
Now delinquent:
| 1 |
Current / open credit lines:
| 11
/
10 | Length of status: | 5y 11m |
|
Amount delinquent:
| $291 |
Total credit lines:
| 19 |
Occupation: | Teacher |
|
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $14,245 | Stated income: | $50,000-$74,999 |
|
Delinquencies in last 7y:
| 3 |
Bankcard utilization:
| 47% | | |
| | |
Homeownership:
| Yes | | |
|
Screen name:
| funds-souffle |
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
love baseball
Purpose of loan:
This loan will be used to? redo heating system in house.? We now have electric heat.
My financial situation:
I am a good candidate for this loan because? I always make any loan payments on time.
Monthly net income: $
Monthly expenses: $
??Housing: $
??Insurance: $
??Car expenses: $
??Utilities: $
??Phone, cable, internet: $
??Food, entertainment: $
??Clothing, household expenses $
??Credit cards and other loans: $
??Other expenses: $
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
488260
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
|
Amount:
| $4,500.00 |
Prosper Rating:
| B |
Auction Duration:
| 7 days
|
|
Term:
| 36 months |
Estimated loss:
| 5.95% | | |
| | | |
|
|
Starting lender yield:
| 13.90% |
Starting borrower rate/APR:
| 14.90% / 17.07% |
Starting monthly payment:
| $155.77 |
| |
|
Auction yield range:
| 5.51% - 13.90% |
Estimated loss impact:
| 6.18% | | |
|
Lender servicing fee:
| 1.00% |
Estimated return:
| 7.72% | | |
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
|
Prosper score (1-10):
| 8 |
First credit line:
| Mar-1978 |
Debt/Income ratio:
| 17% |
|
Credit score:
| 740-759 (Dec-2010) |
Inquiries last 6m:
| 6 | Employment status: | Employed |
|
Now delinquent:
| 0 |
Current / open credit lines:
| 10
/
10 | Length of status: | 0y 10m |
|
Amount delinquent:
| $0 |
Total credit lines:
| 10 |
Occupation: | Chemist |
|
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $10,072 | Stated income: | $25,000-$49,999 |
|
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 18% | | |
| | |
Homeownership:
| No | | |
|
Screen name:
| deal-mirth6 |
Borrower's state:
| California |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Description
Debt Consolidation
Purpose of loan:
Pay off my two high apr credit cards totaling just under $4500
My financial situation:
I am a good candidate for this loan because I diligently manage my money, I have never missed a credit card payment, and I have a stable income.
Monthly net income: $
3750
Monthly expenses: $
??Housing: $
730
??Insurance: $
covered by work
??Car expenses: $
covered by work
??Utilities: $
200
??Phone, cable, internet: $
70
??Food, entertainment: $
400
??Clothing, household expenses $
??Credit cards and other loans: $
500
??Other expenses: $
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
488266
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
|
Amount:
| $6,300.00 |
Prosper Rating:
| D |
Auction Duration:
| 7 days
|
|
Term:
| 36 months |
Estimated loss:
| 9.80% | | |
| | | |
|
|
Starting lender yield:
| 26.75% |
Starting borrower rate/APR:
| 27.75% / 31.31% |
Starting monthly payment:
| $259.74 |
| |
|
Auction yield range:
| 10.51% - 26.75% |
Estimated loss impact:
| 10.47% | | |
|
Lender servicing fee:
| 1.00% |
Estimated return:
| 16.28% | | |
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
|
Prosper score (1-10):
| 6 |
First credit line:
| Jun-1989 |
Debt/Income ratio:
| Not calculated |
|
Credit score:
| 720-739 (Dec-2010) |
Inquiries last 6m:
| 0 | Employment status: | Employed |
|
Now delinquent:
| 0 |
Current / open credit lines:
| 16
/
16 | Length of status: | 9y 6m |
|
Amount delinquent:
| $0 |
Total credit lines:
| 40 |
Occupation: | Doctor |
|
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $13,543 | Stated income: | $50,000-$74,999 |
|
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 46% | | |
| | |
Homeownership:
| No | | |
|
Screen name:
| hurricanewoof |
Borrower's state:
| SouthCarolina |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
| Loan history | Payment history | Credit score history |
|
Active / total loans:
| 1 / 1 |
On-time:
| 14 ( 100% )
| 720-739 (Latest)
|
|
Principal borrowed:
| $1,200.00 | < 31 days late:
| 0
( 0% )
| 680-699
(Oct-2010)
660-679
(Jul-2010)
660-679
(Sep-2009)
|
|
Principal balance:
| $572.58 |
31+ days late:
| 0
( 0% )
|
|
Total payments billed:
| 14 | | |
Description
Tying up loose ends
Purpose of loan:
This loan will be used to several purposes to complete some 2010 tasks.? These include finishing funding the max contribution for the year of my Health Savings Account, pay off my remaining balance due for 2009 federal taxes ($1,100 left), pay off the Christmas present credit card, and pay off my existing loan with Prosper (about $530 remaining).
My financial situation:
I am a good candidate for this loan because I have the means to honor the loan payments, have been a Prosper borrower and lender.
Monthly net income: $1000/week salary, with bonuses and business distributions ranging from 1-3K/month.
Monthly expenses:?
? 12 car payments left $478/month
? Credit cards and other loans:?
totaling about $700/month
? No mortgage or utility payments.?
? Food, auto fuel, clothes, and fun: ranges from? $800-1200 a month
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
488294
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
|
Amount:
| $22,500.00 |
Prosper Rating:
| AA |
Auction Duration:
| 7 days
|
|
Term:
| 60 months |
Estimated loss:
| 1.55% | | |
| | | |
|
|
Starting lender yield:
| 10.00% |
Starting borrower rate/APR:
| 11.00% / 11.22% |
Starting monthly payment:
| $489.20 |
| |
|
Auction yield range:
| 3.00% - 10.00% |
Estimated loss impact:
| 1.56% | | |
|
Lender servicing fee:
| 1.00% |
Estimated return:
| 8.44% | | |
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
|
Prosper score (1-10):
| 10 |
First credit line:
| Jun-2002 |
Debt/Income ratio:
| 17% |
|
Credit score:
| 800-819 (Dec-2010) |
Inquiries last 6m:
| 0 | Employment status: | Employed |
|
Now delinquent:
| 0 |
Current / open credit lines:
| 12
/
12 | Length of status: | 3y 5m |
|
Amount delinquent:
| $0 |
Total credit lines:
| 16 |
Occupation: | Professor |
|
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $10,954 | Stated income: | $75,000-$99,999 |
|
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 21% | | |
| | |
Homeownership:
| Yes | | |
|
Screen name:
| diverse-payment855 |
Borrower's state:
| Indiana |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Description
Master Bath Update
Purpose of loan:
This loan will be used to update master bath.
My financial situation:
I am a good candidate for this loan because I have a very stable job.
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
488308
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
|
Amount:
| $5,000.00 |
Prosper Rating:
| E |
Auction Duration:
| 7 days
|
|
Term:
| 36 months |
Estimated loss:
| 14.20% | | |
| | | |
|
|
Starting lender yield:
| 31.20% |
Starting borrower rate/APR:
| 32.20% / 35.86% |
Starting monthly payment:
| $218.33 |
| |
|
Auction yield range:
| 13.51% - 31.20% |
Estimated loss impact:
| 15.63% | | |
|
Lender servicing fee:
| 1.00% |
Estimated return:
| 15.57% | | |
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
|
Prosper score (1-10):
| 5 |
First credit line:
| Apr-2001 |
Debt/Income ratio:
| Not calculated |
|
Credit score:
| 720-739 (Dec-2010) |
Inquiries last 6m:
| 6 | Employment status: | Employed |
|
Now delinquent:
| 0 |
Current / open credit lines:
| 4
/
3 | Length of status: | 5y 7m |
|
Amount delinquent:
| $0 |
Total credit lines:
| 10 |
Occupation: | Retail Management |
|
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $3,053 | Stated income: | $50,000-$74,999 |
|
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 25% | | |
| | |
Homeownership:
| No | | |
|
Screen name:
| compassion-widget |
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
Funeral Expense
Purpose of loan:
This loan will be used to?
My financial situation:
I am a good candidate for this loan because?
Monthly net income: $ 5,800
Monthly expenses: $
??Housing: $ 900
??Insurance: $ 0
??Car expenses:?$ 0
??Utilities: $?400
??Phone, cable, internet: $ 240
??Food, entertainment: $ 600
??Clothing, household expenses $ 300
??Credit cards and other loans: $?200
??Other expenses: $ 400
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
488318
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
|
Amount:
| $5,600.00 |
Prosper Rating:
| B |
Auction Duration:
| 7 days
|
|
Term:
| 36 months |
Estimated loss:
| 5.95% | | |
| | | |
|
|
Starting lender yield:
| 13.90% |
Starting borrower rate/APR:
| 14.90% / 17.07% |
Starting monthly payment:
| $193.85 |
| |
|
Auction yield range:
| 5.51% - 13.90% |
Estimated loss impact:
| 6.18% | | |
|
Lender servicing fee:
| 1.00% |
Estimated return:
| 7.72% | | |
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
|
Prosper score (1-10):
| 8 |
First credit line:
| Jul-2007 |
Debt/Income ratio:
| 6% |
|
Credit score:
| 720-739 (Dec-2010) |
Inquiries last 6m:
| 1 | Employment status: | Employed |
|
Now delinquent:
| 1 |
Current / open credit lines:
| 2
/
2 | Length of status: | 11y 7m |
|
Amount delinquent:
| $292 |
Total credit lines:
| 4 |
Occupation: | Clerical |
|
Public records last 12m / 10y:
| 0/ 1 |
Revolving credit balance:
| $122 | Stated income: | $25,000-$49,999 |
|
Delinquencies in last 7y:
| 2 |
Bankcard utilization:
| 10% | | |
| | |
Homeownership:
| No | | |
|
Screen name:
| Ciarle |
Borrower's state:
| DistrictOfColumbia |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Description
Fresh Start
Purpose of loan:
This loan will be used to make a fresh start.? Recovering financially from a divorce and sole supporting parent; I need to clear up?my last major bill.? I was able to pay off 90% of my bills not included in bankruptcy.? I was recently bleassed by an elderly family member with a NUSED car, but I am currently unable to drive it right now.?
My financial situation:
I am a good candidate for this loan because I have learned that credit is easy to acquire, a challenge to maintain, can be instantly destroyed and almost impossible to rebuild.? But with a lot of commitment planning and a LOT of sacrifice, I am almost there.? I am trying to be a "good example of a second chance" and not a statistic for "reasons not to give one"?
Monthly net income: $ 1740
Monthly expenses: $ 1474
??Housing: $ 700
??Insurance: $ 59
??Car expenses: $
??Utilities: $
??Phone, cable, internet: $ 170
??Food, entertainment: $ 300
??Clothing, household expenses $ 200
??Credit cards and other loans: $ 45
??Other expenses: $
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
488330
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
|
Amount:
| $7,000.00 |
Prosper Rating:
| HR |
Auction Duration:
| 7 days
|
|
Term:
| 36 months |
Estimated loss:
| 24.00% | | |
| | | |
|
|
Starting lender yield:
| 34.00% |
Starting borrower rate/APR:
| 35.00% / 38.72% |
Starting monthly payment:
| $316.65 |
| |
|
Auction yield range:
| 16.51% - 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:
| Nov-1995 |
Debt/Income ratio:
| 17% |
|
Credit score:
| 700-719 (Dec-2010) |
Inquiries last 6m:
| 2 | Employment status: | Employed |
|
Now delinquent:
| 0 |
Current / open credit lines:
| 3
/
3 | Length of status: | 0y 6m |
|
Amount delinquent:
| $0 |
Total credit lines:
| 3 |
Occupation: | Sales - Commission |
|
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $1,280 | Stated income: | $25,000-$49,999 |
|
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 0% | | |
| | |
Homeownership:
| No | | |
|
Screen name:
| marketplace-flow0 |
Borrower's state:
| Hawaii |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Description
God is good is God
I need this loan to start a laundry business. I figured the fastest and cheapest way to make money is to start a laundry mat. The area I'm looking at to open this business could really use a laundry mat. I figured a few thousand dollars to start up and start quick and still make a reasonable and fast return would be by taking this route.
I am already in contact with a couple of people who have credibility in this business. They started out small and wound up making a killing. They have the tools and plans to get me on my way. All I need is a little help from hard money lenders to get me off the ground.
I plan on making payments by the return of this business, I also work as a car rental sales agent, and also self-employed selling real estate, so whatever I make from selling homes, and renting cars will also be added to the monthly payments.
Thank you so much for your help.
Sinerely,
Will
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
488348
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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:
| 18.30% | | |
| | | |
|
|
Starting lender yield:
| 34.00% |
Starting borrower rate/APR:
| 35.00% / 38.72% |
Starting monthly payment:
| $226.18 |
| |
|
Auction yield range:
| 16.51% - 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:
| Jan-1995 |
Debt/Income ratio:
| Not calculated |
|
Credit score:
| 660-679 (Dec-2010) |
Inquiries last 6m:
| 1 | Employment status: | Not employed |
|
Now delinquent:
| 3 |
Current / open credit lines:
| 3
/
2 | Length of status: | 0y 6m |
|
Amount delinquent:
| $7,300 |
Total credit lines:
| 26 | Stated income: | Not employed |
|
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $14,929 | |
|
Delinquencies in last 7y:
| 13 |
Bankcard utilization:
| 98% | | |
| | |
Homeownership:
| No | | |
|
Screen name:
| community-albatross5 |
Borrower's state:
| Illinois |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Description
Loan for business use
Purpose of loan:
This loan will be used to?
assist me in paying for my accounting services business needs.? I provide accounting services and tax services for small businesses.??Recently I was laid off my regular 9 to 5 job.? I now have ample time to focus on my business that I have been engaged in since 2007.? I need to purchase my tax software, pay my assistant, as well as other materials for the upcoming tax season.? This loan?will bridge my financial gap and help me continue to provide my services to my clients as well as increase my clientele.
My financial situation:
I am a good candidate for this loan because?
I have always been disciplined when it comes to money.? Due to an unfortunate business venture and identity theft, I have been fighting to clean my credit report.? Otherwise, I pay my expenses when due and have always paid my personal expenses when due.? The only misfortunes I have are due to investment properties in which a former business partner decided to not fulfill their part of the agreement when the real estate market plummeted in 2008.? I believe the identity theft issues that affected my credit report have been cleared.
Monthly net income: $ 1780
Monthly expenses: $?870
??Housing: $
??Insurance: $ 190
??Car expenses: $
??Utilities: $
??Phone, cable, internet: $ 100
??Food, entertainment: $ 150
??Clothing, household expenses $
??Credit cards and other loans: $ 430
??Other expenses: $
Information in the Description is not verified.