Listing Report:Supplement No. 33 dated Jan 11, 2011 to Prospectus dated Dec 20, 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 Dec 20, 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 Dec 20, 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
489424
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount:
| $10,000.00 |
Prosper Rating:
| A |
Listing Duration:
| 14 days
|
Minimum Amount to Fund:
| $7,000 |
Estimated loss*:
| 3.50% | | |
Term:
| 36 months | | | | |
|
Lender yield:
| 9.95% |
Borrower rate/APR:
| 10.95% / 13.07% |
Monthly payment:
| $327.15 |
|
Lender servicing fee:
| 1.00% |
Effective Yield*:
| 9.92% | | |
| |
Estimated return*:
| 6.42% | | |
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10):
| 9 |
First credit line:
| Jan-1999 |
Debt/Income ratio:
| 19% |
Credit score:
| 760-779 (Dec-2010) |
Inquiries last 6m:
| 0 | Employment status: | Employed |
Now delinquent:
| 0 |
Current / open credit lines:
| 10
/
9 | Length of status: | 7y 11m |
Amount delinquent:
| $0 |
Total credit lines:
| 23 |
Occupation: | Tradesman - Mechani... |
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $2,721 | Stated income: | $75,000-$99,999 |
Delinquencies in last 7y:
| 1 |
Bankcard utilization:
| 23% | | |
| |
Homeownership:
| Yes | | |
Screen name:
| howcal77 |
Borrower's state:
| Florida |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Description
My loan for debt consolidation
Purpose of loan:
This loan will be used?to?pay off all my debt to one easy bill. I hope to pay it off sooner?
My financial situation:
I am a good candidate for this loan because I like to watch my credit. I dont like to be late on my bills. I work for my Dad in a small
business company here in Florida. We are doing pretty good in this hard time.
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
489938
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount:
| $7,400.00 |
Prosper Rating:
| D |
Listing Duration:
| 14 days
|
Minimum Amount to Fund:
| $5,180 |
Estimated loss*:
| 9.80% | | |
Term:
| 36 months | | | | |
|
Lender yield:
| 26.75% |
Borrower rate/APR:
| 27.75% / 31.31% |
Monthly payment:
| $305.09 |
|
Lender servicing fee:
| 1.00% |
Effective Yield*:
| 26.08% | | |
| |
Estimated return*:
| 16.28% | | |
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10):
| 7 |
First credit line:
| Feb-1990 |
Debt/Income ratio:
| 18% |
Credit score:
| 680-699 (Jan-2011) |
Inquiries last 6m:
| 1 | Employment status: | Employed |
Now delinquent:
| 0 |
Current / open credit lines:
| 7
/
7 | Length of status: | 3y 11m |
Amount delinquent:
| $0 |
Total credit lines:
| 35 |
Occupation: | Engineer - Electric... |
Public records last 12m / 10y:
| 0/ 1 |
Revolving credit balance:
| $5,247 | Stated income: | $50,000-$74,999 |
Delinquencies in last 7y:
| 14 |
Bankcard utilization:
| 90% | | |
| |
Homeownership:
| Yes | | |
Screen name:
| vulgy |
Borrower's state:
| Illinois |
Borrower's group:
| Socorro Capital Partners |
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan history | Payment history | Credit score history |
Active / total loans:
| 0 / 1 |
On-time:
| 5 ( 100% )
| 680-699 (Latest)
|
Principal borrowed:
| $1,000.00 | < 31 days late:
| 0
( 0% )
| 660-679
(Oct-2010)
740-759
(Apr-2010)
|
Principal balance:
| $0.00 |
31+ days late:
| 0
( 0% )
|
Total payments billed:
| 5 | | |
Description
combine Bills
Purpose of loan:
This loan will be used to? Pay off two cards and help my son with his car, after Christmas and my own auto problems I cleaned out my emergency fund.
My financial situation:
I am a good candidate for this loan because? after a divorce I had to file for bankrutcy and bad advice from my lawyer gave me two months of late payments, other than that low point in my life I've always paid my bills on time. My credit score is coming back and I own my house. This will be a great investment for you.
Monthly net income: $ 3800
Monthly expenses: $ 2211
??Housing: $ 750
??Insurance: $ 100
??Car expenses: $ 176
??Utilities: $ 225
??Phone, cable, internet: $160
??Food, entertainment: $ 300
??Clothing, household expenses $100
??Credit cards and other loans: $ 300
??Other expenses: $ 100
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
490094
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount:
| $15,000.00 |
Prosper Rating:
| B |
Listing Duration:
| 14 days
|
Minimum Amount to Fund:
| $15,000 |
Estimated loss*:
| 5.95% | | |
Term:
| 60 months | | | | |
|
Lender yield:
| 16.90% |
Borrower rate/APR:
| 17.90% / 19.33% |
Monthly payment:
| $380.09 |
|
Lender servicing fee:
| 1.00% |
Effective Yield*:
| 16.61% | | |
| |
Estimated return*:
| 10.66% | | |
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should 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-1992 |
Debt/Income ratio:
| 23% |
Credit score:
| 740-759 (Jan-2011) |
Inquiries last 6m:
| 0 | Employment status: | Employed |
Now delinquent:
| 0 |
Current / open credit lines:
| 12
/
12 | Length of status: | 2y 6m |
Amount delinquent:
| $0 |
Total credit lines:
| 34 |
Occupation: | Other |
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $22,694 | Stated income: | $50,000-$74,999 |
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 49% | | |
| |
Homeownership:
| Yes | | |
Screen name:
| fund-ladybug6 |
Borrower's state:
| Massachusetts |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Description
Debt Consolidation
Purpose of loan:
This loan will be used to consolidate credit debt from several lines into one payment.
My financial situation:
I am a good candidate for this loan because I have excellent credit. You will see from my borrower profile that I am a responsible borrower who has never defaulted on a loan or line of credit. Lending to me ensures you will receive your money back and will make money yourself.
Monthly net income: $ $
4,000 (myself alone) $8200 (combined with spouse)
Monthly expenses:
??Housing: $ 2000
??Insurance: $
158
??Car expenses: $
500
??Utilities: $ 100 in winter, approx. $20-50 in warmer months
??Phone, cable, internet: $
150
??Food, entertainment: $
600 groceries, $100 in dining
??Clothing, household expenses $
50
??Credit cards and other loans: $
approx. 300-400
??Other expenses: $
300 daycare tuition, which will end in May 2010
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
490306
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount:
| $2,000.00 |
Prosper Rating:
| D |
Listing Duration:
| 14 days
|
Minimum Amount to Fund:
| $2,000 |
Estimated loss*:
| 10.80% | | |
Term:
| 36 months | | | | |
|
Lender yield:
| 28.50% |
Borrower rate/APR:
| 29.50% / 33.10% |
Monthly payment:
| $84.36 |
|
Lender servicing fee:
| 1.00% |
Effective Yield*:
| 27.78% | | |
| |
Estimated return*:
| 16.98% | | |
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should 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-2005 |
Debt/Income ratio:
| 9% |
Credit score:
| 660-679 (Jan-2011) |
Inquiries last 6m:
| 1 | Employment status: | Employed |
Now delinquent:
| 0 |
Current / open credit lines:
| 4
/
4 | Length of status: | 0y 10m |
Amount delinquent:
| $0 |
Total credit lines:
| 6 |
Occupation: | Other |
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $927 | Stated income: | $25,000-$49,999 |
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 61% | | |
| |
Homeownership:
| No | | |
Screen name:
| best-currency-director |
Borrower's state:
| California |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Description
My Bright Future
Purpose of loan:
This loan will be used to help pay credit card bills and spend time with family.
My financial situation:
I am a good candidate for this loan because I work full time at Cisco Systems (through Adecco) and will be able to pay this loan off on time due it part to the budget I have created for this expense.
Monthly net income: $ 3,500
Monthly expenses: $
??Housing: $
600
??Insurance: $ 50
??Car expenses: $
0
??Utilities: $ 20
??Phone, cable, internet: $
50
??Food, entertainment: $
250
??Clothing, household expenses $
50
??Credit cards and other loans: $
800
??Other expenses: $
0
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
490320
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount:
| $7,500.00 |
Prosper Rating:
| E |
Listing Duration:
| 14 days
|
Minimum Amount to Fund:
| $7,500 |
Estimated loss*:
| 14.20% | | |
Term:
| 36 months | | | | |
|
Lender yield:
| 31.20% |
Borrower rate/APR:
| 32.20% / 35.86% |
Monthly payment:
| $327.49 |
|
Lender servicing fee:
| 1.00% |
Effective Yield*:
| 29.77% | | |
| |
Estimated return*:
| 15.57% | | |
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10):
| 5 |
First credit line:
| Nov-1993 |
Debt/Income ratio:
| Self-employed (DTI Not Calculated) |
Credit score:
| 680-699 (Jan-2011) |
Inquiries last 6m:
| 0 | Employment status: | Self-employed |
Now delinquent:
| 0 |
Current / open credit lines:
| 6
/
6 | Length of status: | 1y 7m |
Amount delinquent:
| $0 |
Total credit lines:
| 17 |
Occupation: | Skilled Labor |
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $12,348 | Stated income: | $25,000-$49,999 |
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 84% | | |
| |
Homeownership:
| No | | |
Screen name:
| worth-zeus1 |
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
Purpose of loan:
This loan will be used to?pay off credit cards?
My financial situation:
I am a good candidate for this loan because? i need to get my debt under control
Monthly net income: $ 2500
Monthly expenses: $
??Housing: $ 400????????????????
??Insurance: $ 0
??Car expenses: $ 0
??Utilities: $ 200
??Phone, cable, internet: $?300
??Food, entertainment: $ 200
??Clothing, household expenses $ 200
??Credit cards and other loans: $ 800
??Other expenses: $ 200
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
490436
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount:
| $14,000.00 |
Prosper Rating:
| B |
Listing Duration:
| 14 days
|
Minimum Amount to Fund:
| $9,800 |
Estimated loss*:
| 5.95% | | |
Term:
| 36 months | | | | |
|
Lender yield:
| 13.90% |
Borrower rate/APR:
| 14.90% / 17.07% |
Monthly payment:
| $484.63 |
|
Lender servicing fee:
| 1.00% |
Effective Yield*:
| 13.67% | | |
| |
Estimated return*:
| 7.72% | | |
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should 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-1999 |
Debt/Income ratio:
| 28% |
Credit score:
| 780-799 (Jan-2011) |
Inquiries last 6m:
| 1 | Employment status: | Employed |
Now delinquent:
| 0 |
Current / open credit lines:
| 5
/
4 | Length of status: | 1y 6m |
Amount delinquent:
| $0 |
Total credit lines:
| 33 |
Occupation: | Professional |
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $2,531 | Stated income: | $50,000-$74,999 |
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 8% | | |
| |
Homeownership:
| No | | |
Screen name:
| first-ultimate-camaraderi |
Borrower's state:
| NewJersey |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Description
Down-payment on a house
Purpose of loan:
This loan will be used towards the down-payment on a house.? My wife and I have been saving for some time and we have a significant amount of cash tucked away, however, due to some financial surprises, we had to dip into those funds to settle some liabilities.? The requested amount is essentially the difference we need for our down-payment.?
My financial situation:
I am a good candidate for this loan because I will pay every month on time and without fail.? Additionally, my personal financial position will be significantly improved starting this July 2011, as I will be finishing my training and have already secured a position as an attending physician.? You will be helping me provide comfortable living for my family, and for that end, I will repay you as per the stipulations of this contract.
Monthly net income: $ 6,400? -including my wife (after taxes)
Monthly expenses: $ 4,200
??Housing: $ 1550
??Insurance: $ 235
??Car expenses: $ 200?
??Utilities: $ 225
??Phone, cable, internet: $ 290
??Food, entertainment: $ 400
??Clothing, household expenses $ 350
??Credit cards and other loans: $?550
??Other expenses: $ 450
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
490239
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount:
| $7,500.00 |
Prosper Rating:
| D |
Listing Duration:
| 14 days
|
Minimum Amount to Fund:
| $5,250 |
Estimated loss*:
| 10.80% | | |
Term:
| 36 months | | | | |
|
Lender yield:
| 28.50% |
Borrower rate/APR:
| 29.50% / 33.10% |
Monthly payment:
| $316.34 |
|
Lender servicing fee:
| 1.00% |
Effective Yield*:
| 27.78% | | |
| |
Estimated return*:
| 16.98% | | |
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10):
| 8 |
First credit line:
| Oct-1997 |
Debt/Income ratio:
| 12% |
Credit score:
| 660-679 (Jan-2011) |
Inquiries last 6m:
| 0 | Employment status: | Employed |
Now delinquent:
| 0 |
Current / open credit lines:
| 9
/
9 | Length of status: | 9y 9m |
Amount delinquent:
| $0 |
Total credit lines:
| 18 |
Occupation: | Construction |
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $11,956 | Stated income: | $100,000+ |
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 87% | | |
| |
Homeownership:
| Yes | | |
Screen name:
| trident498 |
Borrower's state:
| Washington |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Description
Finalizing my divorce
Purpose of loan:This loan will be used to? The money will be used to cover
attorney fees. I?m in the final stages of a divorce that I did not see coming
and running into a cash flow problem. My attorney estimates that 6000 more will
be needed and has asked for the money up front. I?ve asked for 7500 just to
give myself a little cushion.My financial situation:I am a good candidate for this loan because? I?ve been
employed year round with the same company nearly ten years and my job is stable.
My income is good but there is a seasonal variation.Every summer between from mid-May to
mid-September I work at the BP facilities on the North Slope of Alaska. My take
home pay is between 2900 and 3000 weekly. Lodging and food are provided so my
expenses are drop considerably.My credit is very good but high credit card balances are
tugging the score down. Bottom line is I do pay my bills. All my bills
including attorney fees are current.Monthly net income: $ 3800 (Oct-April) 11,600 (May-Sept)Monthly expenses: $ 2900Housing: $ 1800Insurance: $ 80Car expenses: $ 210Utilities: $ 50Phone, cable,
internet: $ 90Food, entertainment:
$ 200Clothing, household
expenses $ 50Credit cards and
other loans: $ 400
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
490285
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount:
| $3,000.00 |
Prosper Rating:
| A |
Listing Duration:
| 14 days
|
Minimum Amount to Fund:
| $2,100 |
Estimated loss*:
| 3.50% | | |
Term:
| 36 months | | | | |
|
Lender yield:
| 9.95% |
Borrower rate/APR:
| 10.95% / 13.07% |
Monthly payment:
| $98.15 |
|
Lender servicing fee:
| 1.00% |
Effective Yield*:
| 9.92% | | |
| |
Estimated return*:
| 6.42% | | |
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10):
| 9 |
First credit line:
| Dec-1992 |
Debt/Income ratio:
| 14% |
Credit score:
| 740-759 (Dec-2010) |
Inquiries last 6m:
| 0 | Employment status: | Employed |
Now delinquent:
| 0 |
Current / open credit lines:
| 13
/
9 | Length of status: | 3y 4m |
Amount delinquent:
| $0 |
Total credit lines:
| 28 |
Occupation: | Engineer - Electric... |
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $3,429 | Stated income: | $50,000-$74,999 |
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 58% | | |
| |
Homeownership:
| Yes | | |
Screen name:
| ALBERTOA |
Borrower's state:
| Texas |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Description
Paying off credit cards
Purpose of loan:
This loan will be used to payoff some high interest credit cards
My financial situation:
This is my current Experian Score " Your Credit Score 743
Source: Experian Date: 12/22/2010"
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
490299
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount:
| $4,000.00 |
Prosper Rating:
| D |
Listing Duration:
| 14 days
|
Minimum Amount to Fund:
| $2,800 |
Estimated loss*:
| 10.80% | | |
Term:
| 36 months | | | | |
|
Lender yield:
| 28.50% |
Borrower rate/APR:
| 29.50% / 33.10% |
Monthly payment:
| $168.71 |
|
Lender servicing fee:
| 1.00% |
Effective Yield*:
| 27.78% | | |
| |
Estimated return*:
| 16.98% | | |
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10):
| 6 |
First credit line:
| Oct-1989 |
Debt/Income ratio:
| 35% |
Credit score:
| 760-779 (Jan-2011) |
Inquiries last 6m:
| 1 | Employment status: | Other |
Now delinquent:
| 0 |
Current / open credit lines:
| 4
/
4 | Length of status: | 2y 0m |
Amount delinquent:
| $0 |
Total credit lines:
| 7 |
Occupation: | Other |
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $7,881 | Stated income: | $1-$24,999 |
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 28% | | |
| |
Homeownership:
| No | | |
Screen name:
| benevolent-bonus4 |
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
Getting Back Into College
Purpose of loan:
This loan will be used to?
pay off college debt and continue my education.
My financial situation:
I am a good candidate for this loan because?
I work hard and I need to get back into school to be able to support myself and work in a career I love.
Monthly net income: $
1200.00
Monthly expenses: $
My husband takes care of most of these.
??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
490311
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount:
| $7,500.00 |
Prosper Rating:
| E |
Listing Duration:
| 14 days
|
Minimum Amount to Fund:
| $5,250 |
Estimated loss*:
| 14.20% | | |
Term:
| 36 months | | | | |
|
Lender yield:
| 31.20% |
Borrower rate/APR:
| 32.20% / 35.86% |
Monthly payment:
| $327.49 |
|
Lender servicing fee:
| 1.00% |
Effective Yield*:
| 29.77% | | |
| |
Estimated return*:
| 15.57% | | |
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should 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-2009 |
Debt/Income ratio:
| 19% |
Credit score:
| 660-679 (Jan-2011) |
Inquiries last 6m:
| 2 | Employment status: | Employed |
Now delinquent:
| 0 |
Current / open credit lines:
| 4
/
4 | Length of status: | 0y 9m |
Amount delinquent:
| $0 |
Total credit lines:
| 7 |
Occupation: | Teacher's Aide |
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $813 | Stated income: | $25,000-$49,999 |
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 31% | | |
| |
Homeownership:
| No | | |
Screen name:
| openness-fir5 |
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
Inventory for spring/summer
Purpose of loan:
This loan will be used to fund the purchase of inventory for my retail business. We are looking to create custom packaging, revamp our website and produce a new product line.
My financial situation:
I am a good candidate for this loan because I have never missed or had any late payments. This has been the case for all my monthly payments including rent, utilities, student loans, and credit cards. I do not plan on changing my habits of paying in a timely manner as I wish to build my credit and a late payment would definitely hurt that reputaion.
Monthly net income: $2,000
Monthly expenses: $1000
??Housing: $650
??Insurance: $0
??Car expenses: $0
??Utilities: $100
??Phone, cable, internet: $50
??Food, entertainment: $100
??Clothing, household expenses $
??Credit cards and other loans: $100
??Other expenses: $
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
490315
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount:
| $11,000.00 |
Prosper Rating:
| A |
Listing Duration:
| 14 days
|
Minimum Amount to Fund:
| $11,000 |
Estimated loss*:
| 3.50% | | |
Term:
| 60 months | | | | |
|
Lender yield:
| 12.95% |
Borrower rate/APR:
| 13.95% / 15.33% |
Monthly payment:
| $255.67 |
|
Lender servicing fee:
| 1.00% |
Effective Yield*:
| 12.90% | | |
| |
Estimated return*:
| 9.40% | | |
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should 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-1992 |
Debt/Income ratio:
| 12% |
Credit score:
| 840-859 (Jan-2011) |
Inquiries last 6m:
| 1 | Employment status: | Employed |
Now delinquent:
| 0 |
Current / open credit lines:
| 11
/
8 | Length of status: | 5y 11m |
Amount delinquent:
| $0 |
Total credit lines:
| 17 |
Occupation: | Nurse (RN) |
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $2,230 | Stated income: | $75,000-$99,999 |
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 5% | | |
| |
Homeownership:
| Yes | | |
Screen name:
| reflective-interest1 |
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
landscaping, patio cover , garage
Purpose of loan:
This loan will be used to? home improvement, landscaping, patio cover, shelving in garage, painting ?exterior of home
My financial situation:
I am a good candidate for this loan because? of my income and my low credit payments home payments and own my car. I pay bills on time. I qualified for a home loan of $315,000.00 and purchased my home at $179,000.00
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
490335
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount:
| $2,500.00 |
Prosper Rating:
| E |
Listing Duration:
| 14 days
|
Minimum Amount to Fund:
| $2,500 |
Estimated loss*:
| 14.20% | | |
Term:
| 36 months | | | | |
|
Lender yield:
| 31.20% |
Borrower rate/APR:
| 32.20% / 35.86% |
Monthly payment:
| $109.16 |
|
Lender servicing fee:
| 1.00% |
Effective Yield*:
| 29.77% | | |
| |
Estimated return*:
| 15.57% | | |
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10):
| 5 |
First credit line:
| Oct-1995 |
Debt/Income ratio:
| 17% |
Credit score:
| 660-679 (Jan-2011) |
Inquiries last 6m:
| 1 | Employment status: | Employed |
Now delinquent:
| 0 |
Current / open credit lines:
| 7
/
6 | Length of status: | 7y 6m |
Amount delinquent:
| $0 |
Total credit lines:
| 21 |
Occupation: | Teacher |
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $3,786 | Stated income: | $75,000-$99,999 |
Delinquencies in last 7y:
| 1 |
Bankcard utilization:
| 102% | | |
| |
Homeownership:
| No | | |
Screen name:
| astute-auction8 |
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
Stating a Business
Purpose of loan:
This loan will be used to defray the cost of a small music ensemble.
My financial situation:
I am a good candidate for this loan because I can afford the payments and pay my bills on time.
Monthly net income: $ 4000
Monthly expenses: $
??Housing: $ 1745
??Insurance: $ 120
??Car expenses: $ 300
??Utilities: $
??Phone, cable, internet: $ 250?
??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
490421
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount:
| $7,500.00 |
Prosper Rating:
| E |
Listing Duration:
| 14 days
|
Minimum Amount to Fund:
| $5,250 |
Estimated loss*:
| 14.20% | | |
Term:
| 36 months | | | | |
|
Lender yield:
| 31.20% |
Borrower rate/APR:
| 32.20% / 35.86% |
Monthly payment:
| $327.49 |
|
Lender servicing fee:
| 1.00% |
Effective Yield*:
| 29.77% | | |
| |
Estimated return*:
| 15.57% | | |
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10):
| 5 |
First credit line:
| Jul-1996 |
Debt/Income ratio:
| 11% |
Credit score:
| 660-679 (Jan-2011) |
Inquiries last 6m:
| 0 | Employment status: | Employed |
Now delinquent:
| 2 |
Current / open credit lines:
| 11
/
10 | Length of status: | 14y 10m |
Amount delinquent:
| $19,659 |
Total credit lines:
| 59 |
Occupation: | Executive |
Public records last 12m / 10y:
| 0/ 1 |
Revolving credit balance:
| $8,666 | Stated income: | $100,000+ |
Delinquencies in last 7y:
| 26 |
Bankcard utilization:
| 96% | | |
| |
Homeownership:
| Yes | | |
Screen name:
| responsible-dedication2 |
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
Debt consolidation
Purpose of loan:
This loan will be used to?
Debt consolidation
My financial situation:
I am a good candidate for this loan because?
Same employer since 1996 last year I made $102,544.94 plus I get $530.00 a month for a car allowance from my employer
Monthly net income: $
$9,075.41
Monthly expenses: $ 5,836.00
??Housing: $?3,140.00
??Insurance: $ 90.00
??Car expenses: $406.00
??Utilities: $?500.00
??Phone, cable, internet: $150.00
??Food, entertainment: $ 750.00
??Clothing, household expenses $500.00
??Credit cards and other loans: $ 300.00
??Other expenses: $
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
490433
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount:
| $4,000.00 |
Prosper Rating:
| A |
Listing Duration:
| 14 days
|
Minimum Amount to Fund:
| $2,800 |
Estimated loss*:
| 3.50% | | |
Term:
| 36 months | | | | |
|
Lender yield:
| 9.95% |
Borrower rate/APR:
| 10.95% / 13.07% |
Monthly payment:
| $130.86 |
|
Lender servicing fee:
| 1.00% |
Effective Yield*:
| 9.92% | | |
| |
Estimated return*:
| 6.42% | | |
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10):
| 9 |
First credit line:
| Dec-1988 |
Debt/Income ratio:
| 10% |
Credit score:
| 740-759 (Jan-2011) |
Inquiries last 6m:
| 0 | Employment status: | Employed |
Now delinquent:
| 0 |
Current / open credit lines:
| 5
/
5 | Length of status: | 1y 9m |
Amount delinquent:
| $0 |
Total credit lines:
| 27 |
Occupation: | Professional |
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $101,355 | Stated income: | $100,000+ |
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 58% | | |
| |
Homeownership:
| Yes | | |
Screen name:
| green-glowing-gain |
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
VMWare Certification for more Pay!
Purpose of loan:
I am going to be using this funds to take a VMware Cerfified VMware Professional (VCP) credential for 1 week of training.? As an experienced IT professional with more 20+ years of experience, I am in big demand.? I am getting calls from head hunters weekly about VMware related projects.? I work with VMware technologies on daily basis, but I do not yet have a certification.? Once for all, I am going to take a personal time off for one week from my work, take an instructor-lead course, and take the exam at the end.? Taking an instructor lead course is the only way to get the VCP certification.? No self-study option.? The course costs about $5000, but my employer will kick in some sponsorship.? All I need now is to get a low interest loan to take the course.? These days, personal loans from bank carry about 14% to 15%, so you will be helping me out a lot by letting me borrow money at much lower rate.? With a VCP under my belt, combined with my extensive experience, I will be able to earn additional $8000/year to $10,000/year on my pay, will be a great ROI for me.? Borrowing $3500 @ 10% APR for potential $24,000+ in pay increase over 3 years is a great investment!? I already have numerous Microsoft certifications.? VCP will be a great addition to secure and enhance my career.
My financial situation:
Although my wife and I have sizable debt, most of them are real-estate related mortgages and HELOC.? Of roughly $101K revolving credit, $96K are Home-Equity Line of Credit, and the rest are auto-loans and small credit card debt.? We have been steadily paying down our mortgage balance and other loans without missing payments for the last 3 years.? My wife and I have good jobs with steady companies in highly sought-out skills - me in IT infrastructure (data center design, maintenance, and management) and my wife, graphic designer with a Fortune 500 company, with combined income of about $150,000.? We also have rental properties that bring in about additional $40,000.? The local banks that I have spoken to will not loan us any more money because our house is slightly under water, or have little equity, like many houses in this market, even though we have been paying our mortgages and HELOC on-time for the last several years.? Our HELOC is now frozen due to the house being under-water; we are not using the credit at all, but just paying it off now.? Most banks do not see beyond the numbers on their computerized systems to see that we are good candidate for small loans.
I am borrowing the money from Prosper for the first time, but I have been investing in Prosper for the last 2 years.? I invested about $2500 in Prosper to my fellow Americans.? I hope you can do the same for me and help me out this time.
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
490451
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount:
| $4,000.00 |
Prosper Rating:
| D |
Listing Duration:
| 14 days
|
Minimum Amount to Fund:
| $2,800 |
Estimated loss*:
| 10.80% | | |
Term:
| 36 months | | | | |
|
Lender yield:
| 28.50% |
Borrower rate/APR:
| 29.50% / 33.10% |
Monthly payment:
| $168.71 |
|
Lender servicing fee:
| 1.00% |
Effective Yield*:
| 27.78% | | |
| |
Estimated return*:
| 16.98% | | |
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should 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-1998 |
Debt/Income ratio:
| 17% |
Credit score:
| 640-659 (Jan-2011) |
Inquiries last 6m:
| 3 | Employment status: | Employed |
Now delinquent:
| 0 |
Current / open credit lines:
| 11
/
8 | Length of status: | 8y 3m |
Amount delinquent:
| $0 |
Total credit lines:
| 32 |
Occupation: | Professional |
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $1,338 | Stated income: | $25,000-$49,999 |
Delinquencies in last 7y:
| 5 |
Bankcard utilization:
| 7% | | |
| |
Homeownership:
| No | | |
Screen name:
| Kevn3435 |
Borrower's state:
| SouthCarolina |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Description
Pay off debts and get a new start!!
Purpose of loan:
To pay off small debts and free up my cash flow so I can start a savings...
My financial situation:
I am a good candidate for this loan because I have a good job and I want to make a new start in life.
Monthly net income: $ 4,250
Monthly expenses: $
??Housing: $
0
??Insurance: $
127
??Car expenses: $
347
??Utilities: $
0
??Phone, cable, internet: $
85
??Food, entertainment: $
400
??Clothing, household expenses $
150
??Credit cards and other loans: $
550
??Other expenses: $
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
490457
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount:
| $7,500.00 |
Prosper Rating:
| D |
Listing Duration:
| 14 days
|
Minimum Amount to Fund:
| $5,250 |
Estimated loss*:
| 10.80% | | |
Term:
| 36 months | | | | |
|
Lender yield:
| 28.50% |
Borrower rate/APR:
| 29.50% / 33.10% |
Monthly payment:
| $316.34 |
|
Lender servicing fee:
| 1.00% |
Effective Yield*:
| 27.78% | | |
| |
Estimated return*:
| 16.98% | | |
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10):
| 7 |
First credit line:
| Feb-1991 |
Debt/Income ratio:
| 26% |
Credit score:
| 640-659 (Jan-2011) |
Inquiries last 6m:
| 0 | Employment status: | Employed |
Now delinquent:
| 0 |
Current / open credit lines:
| 13
/
13 | Length of status: | 13y 10m |
Amount delinquent:
| $0 |
Total credit lines:
| 30 |
Occupation: | Nurse (RN) |
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $25,811 | Stated income: | $75,000-$99,999 |
Delinquencies in last 7y:
| 3 |
Bankcard utilization:
| 72% | | |
| |
Homeownership:
| No | | |
Screen name:
| auction-generator5 |
Borrower's state:
| Virginia |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Description
Paying off my credit cards
Purpose of loan:
This loan will be used to pay for bills from Dec 2010 to?April 2011 due to that I have currently?exhausted all of my savings due to that I am on Medical Leave since July 2010, and having problems with Cigna Claims disability and will need an appeal.
My financial situation:
I am a good candidate for this loan because I am a RN, and can pay off this debt in April 2011 after I get my Tax return money and when I get my Disability Check owed to me since July 2010. After I return to work in June 2011, I can easily work overtime.
Monthly net income: $ Currently no income. When working over $5-7,000/month.
Monthly expenses: $
??Housing: $ living with brother and sister-in-law
??Insurance: Health Insurance due to Medical Leave $ 288.22
??Car expenses: $ 473.45
??Utilities: $
??Phone, cable, internet: Cell Phone $ 114.50
??Food, entertainment: $ 200.00
??Clothing, household expenses $
??Credit cards and other loans: $ 500.00; School 500.00
??Other expenses: $ Car insurance 108.00, Storage 278.00,Renter's Insurance 37.10, ING 200.00, Gas 80.00-120.00, Tolls $70.00, Netflix 18.00
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
490475
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount:
| $7,500.00 |
Prosper Rating:
| D |
Listing Duration:
| 14 days
|
Minimum Amount to Fund:
| $5,250 |
Estimated loss*:
| 10.80% | | |
Term:
| 36 months | | | | |
|
Lender yield:
| 28.50% |
Borrower rate/APR:
| 29.50% / 33.10% |
Monthly payment:
| $316.34 |
|
Lender servicing fee:
| 1.00% |
Effective Yield*:
| 27.78% | | |
| |
Estimated return*:
| 16.98% | | |
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10):
| 6 |
First credit line:
| May-2003 |
Debt/Income ratio:
| Self-employed (DTI Not Calculated) |
Credit score:
| 720-739 (Jan-2011) |
Inquiries last 6m:
| 1 | Employment status: | Self-employed |
Now delinquent:
| 0 |
Current / open credit lines:
| 12
/
9 | Length of status: | 2y 9m |
Amount delinquent:
| $0 |
Total credit lines:
| 21 |
Occupation: | Other |
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $922 | Stated income: | $50,000-$74,999 |
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 4% | | |
| |
Homeownership:
| No | | |
Screen name:
| precious-benjamins9 |
Borrower's state:
| NewJersey |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Description
Small clothing retail boutique
Purpose of loan:
This loan will be used to buy inventory for my start up business.
My financial situation:
I am a good candidate for this loan because I have been able to maintain a good credit score. I am very well known in my industry and have been recognized as a hardworking, loyal and very helpful consultant.
Monthly expenses: $
1350
??Housing: $
700
??Insurance: $
200
??Car expenses: $250
??Other expenses: $
300
Information in the Description is not verified.