Listing Report:Supplement No. 23 dated Jan 24, 2011 to Prospectus dated Jan 12, 2011File 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 Jan 12, 2011 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 Jan 12, 2011 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
489756
The following information pertains to the borrower loan being requested, that corresponds to the series 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
|
| |
Estimated loss*:
| 9.80% | | |
|
Term:
| 36 months | | | | |
|
|
Lender yield:
| 23.99% |
Borrower rate/APR:
| 24.99% / 28.49% |
Monthly payment:
| $298.16 |
| |
|
Lender servicing fee:
| 1.00% |
Effective Yield*:
| 23.40% | | |
| |
Estimated return*:
| 13.60% | | |
* 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:
| Aug-2001 |
Debt/Income ratio:
| 7% |
|
Credit score:
| 620-639 (Jan-2011) |
Inquiries last 6m:
| 0 | Employment status: | Employed |
|
Now delinquent:
| 0 |
Current / open credit lines:
| 5
/
3 | Length of status: | 2y 9m |
|
Amount delinquent:
| $0 |
Total credit lines:
| 13 |
Occupation: | Professional |
|
Public records last 12m / 10y:
| 1/ 1 |
Revolving credit balance:
| $548 | Stated income: | $50,000-$74,999 |
|
Delinquencies in last 7y:
| 10 |
Bankcard utilization:
| 35% | | |
| | |
Homeownership:
| No | | |
|
Screen name:
| diehard1234 |
Borrower's state:
| Georgia |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
| Loan history | Payment history | Credit score history |
|
Active / total loans:
| 0 / 1 |
On-time:
| 32 ( 91% )
| 620-639 (Latest)
|
|
Principal borrowed:
| $2,500.00 | < 31 days late:
| 2
( 6% )
| 560-579
(Jun-2007)
|
|
Principal balance:
| $0.00 |
31+ days late:
| 1
( 3% )
|
|
Total payments billed:
| 35 | | |
Description
Credit Consildation
Purpose of loan:
This loan will be used to payoff two loans-one with a balance of $2500 and the other $990. The remaining funds will be used to purchase a used car. My current car is a 2003 that needs $1200 worth of body work and $1500 worth of car repairs (needs a catalytic converter-the most expensive part of my car). Between savings and this loan I can purchase a "new" used car that's in much better condition.
My financial situation:
I am a good candidate for this loan because successfully paid back my last prosper loan. I was on time 32 of out 35 payments and the issue with 2 of those 3 late payments occurred after my checkbook was stolen and my bank account drained over the Thanksgiving Holiday in 2008, this caused many issues, but that's the explanation for anyone concerned. I am a manager at my current employer and I am not anticipating any layoffs we are doing very well.
Monthly net income: $3,800 (After Taxes) Monthly expenses: $1600
??Housing: $650
??Insurance: $60
??Car expenses: $120
??Utilities: $75
??Phone, cable, internet: $150
??Food, entertainment: $275
??Clothing, household expenses $125
??Credit cards and other loans: $145
??Other expenses: $
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
490080
The following information pertains to the borrower loan being requested, that corresponds to the series 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:
| C |
Listing Duration:
| 14 days
|
| |
Estimated loss*:
| 8.70% | | |
|
Term:
| 36 months | | | | |
|
|
Lender yield:
| 18.99% |
Borrower rate/APR:
| 19.99% / 23.38% |
Monthly payment:
| $111.48 |
| |
|
Lender servicing fee:
| 1.00% |
Effective Yield*:
| 18.55% | | |
| |
Estimated return*:
| 9.85% | | |
* 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:
| Jan-1993 |
Debt/Income ratio:
| 11% |
|
Credit score:
| 700-719 (Jan-2011) |
Inquiries last 6m:
| 1 | Employment status: | Employed |
|
Now delinquent:
| 1 |
Current / open credit lines:
| 4
/
3 | Length of status: | 22y 1m |
|
Amount delinquent:
| $3,952 |
Total credit lines:
| 12 |
Occupation: | Retail Management |
|
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $2,112 | Stated income: | $50,000-$74,999 |
|
Delinquencies in last 7y:
| 4 |
Bankcard utilization:
| 31% | | |
| | |
Homeownership:
| No | | |
|
Screen name:
| brilliance4 |
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
Nocaid Consolidation
Purpose of loan:
This loan will be used to?
My financial situation:
I am a good candidate for this loan because?
Monthly net income: $
Monthly expenses: $
??Housing: $
??Insurance: $
??Car expenses: $
??Utilities: $
??Phone, cable, internet: $
??Food, entertainment: $
??Clothing, household expenses $
??Credit cards and other loans: $
??Other expenses: $
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
491620
The following information pertains to the borrower loan being requested, that corresponds to the series 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
|
| |
Estimated loss*:
| 10.80% | | |
|
Term:
| 36 months | | | | |
|
|
Lender yield:
| 25.99% |
Borrower rate/APR:
| 26.99% / 30.53% |
Monthly payment:
| $306.15 |
| |
|
Lender servicing fee:
| 1.00% |
Effective Yield*:
| 25.34% | | |
| |
Estimated return*:
| 14.54% | | |
* 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:
| Mar-1990 |
Debt/Income ratio:
| Self-employed (DTI Not Calculated) |
|
Credit score:
| 720-739 (Jan-2011) |
Inquiries last 6m:
| 0 | Employment status: | Self-employed |
|
Now delinquent:
| 1 |
Current / open credit lines:
| 3
/
3 | Length of status: | 2y 4m |
|
Amount delinquent:
| $212 |
Total credit lines:
| 8 |
Occupation: | Other |
|
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $2,751 | Stated income: | $50,000-$74,999 |
|
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 59% | | |
| | |
Homeownership:
| No | | |
|
Screen name:
| liberty-banshee7 |
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.
Description
short term needed very good risk
Purpose of loan:
Loan will be used to expand my business at this time by 20 to 25 %? with some repairs to my property.? I was going to wait until next year but contractor has time now to do it and is offering steep discount due to his lack of work in the next month.
My financial situation:
I own my own house and business.? I have no mortgages or liens against me. My monthly income is $4800 per month
Monthly expenses: $
??Housing: $
0
??Insurance: $
135
??Car expenses: $
100
??Utilities: $
245
??Phone, cable, internet: $
62
??Food, : $
50
??Clothing, household expenses $
200
??Credit cards and other loans: $
200
??Other expenses: $
100
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
491644
The following information pertains to the borrower loan being requested, that corresponds to the series 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:
| E |
Listing Duration:
| 14 days
|
| |
Estimated loss*:
| 14.70% | | |
|
Term:
| 36 months | | | | |
|
|
Lender yield:
| 30.99% |
Borrower rate/APR:
| 31.99% / 35.64% |
Monthly payment:
| $174.20 |
| |
|
Lender servicing fee:
| 1.00% |
Effective Yield*:
| 29.57% | | |
| |
Estimated return*:
| 14.87% | | |
* 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:
| Apr-1991 |
Debt/Income ratio:
| 29% |
|
Credit score:
| 660-679 (Jan-2011) |
Inquiries last 6m:
| 1 | Employment status: | Other |
|
Now delinquent:
| 0 |
Current / open credit lines:
| 7
/
4 | Length of status: | 11y 4m |
|
Amount delinquent:
| $0 |
Total credit lines:
| 23 |
Occupation: | Other |
|
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $501 | Stated income: | $25,000-$49,999 |
|
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 62% | | |
| | |
Homeownership:
| Yes | | |
|
Screen name:
| gain-announcer7 |
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
HELP MY GRANDSON CAR BUSINESS
Purpose of loan:
This loan will be used to?
HELP MY GRANDSON PURCHASE USED CARS TO SELL DURING TAX TIME. MY GRANSON HAS HIS CAR DEALERS LICENSE AND HE HAS BEEN IN BUSINESS FOR OVER 3 YRS
My financial situation:
I am a good candidate for this loan because?
I AM RETIRED AND HAVE A STEADY INCOME
Monthly net income: $ 3000
Monthly expenses: $1700
??Housing: $
750
??Insurance: $
89
??Car expenses: $
??Utilities: $
1120
??Phone, cable, internet: $100
??Food, entertainment: $ 150
??Clothing, household expenses $
??Credit cards and other loans: $
200
??Other expenses: $
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
490301
The following information pertains to the borrower loan being requested, that corresponds to the series 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:
| $6,000.00 |
Prosper Rating:
| C |
Listing Duration:
| 14 days
|
| |
Estimated loss*:
| 8.70% | | |
|
Term:
| 36 months | | | | |
|
|
Lender yield:
| 18.99% |
Borrower rate/APR:
| 19.99% / 23.38% |
Monthly payment:
| $222.95 |
| |
|
Lender servicing fee:
| 1.00% |
Effective Yield*:
| 18.55% | | |
| |
Estimated return*:
| 9.85% | | |
* 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:
| Aug-2009 |
Debt/Income ratio:
| 9% |
|
Credit score:
| 680-699 (Jan-2011) |
Inquiries last 6m:
| 0 | Employment status: | Employed |
|
Now delinquent:
| 0 |
Current / open credit lines:
| 3
/
2 | Length of status: | 2y 4m |
|
Amount delinquent:
| $0 |
Total credit lines:
| 5 |
Occupation: | Student - College J... |
|
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $833 | Stated income: | $25,000-$49,999 |
|
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 25% | | |
| | |
Homeownership:
| No | | |
|
Screen name:
| active-note7 |
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
DVD Kiosk Business
Purpose of loan:
This loan will be used to augment the funds I have already raised to start my DVD kiosk business. It will go towards purchasing equipment and inventory. I live in NYC and the local video rental shop recently went out of business. There are no redboxes nearby and neighbors have been complaining about their inability to rent a dvd. I think that a DVD kiosk installed locally would be a great business. I have found a great location, picked out a machine, done some research, and now all that remains to be done is raise enough capital to put my business plan into action.
My financial situation:
I am a good candidate for this loan because I have no fixed monthly expenses. My parents cover my daily expenses and tuition. I have $2000 in monthly trust fund income. Furthermore I have $12,000 in capital already set aside for starting the business. The prosper loan is intended as a supplement to the funds I have already set aside for starting the business. I want to make sure I have enough liquidity to make it through the first couple months, should they prove to be unprofitable. This loan would be highly lucrative for any lender because even if my business is a complete failure, I have enough free monthly income to easily cover the monthly payment. My revolving credit balance only exists because I am trying to build a credit history. I pay off the credit cards' monthly balance in full every month.
Monthly net income: $2200
Monthly expenses: $300
??Housing: $0
??Insurance: $0
??Car expenses: $0
??Utilities: $0
??Phone, cable, internet: $50
??Food, entertainment: $200
??Clothing, household expenses $0
??Credit cards and other loans: $0
??Other expenses: $50
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
491171
The following information pertains to the borrower loan being requested, that corresponds to the series 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:
| $9,500.00 |
Prosper Rating:
| B |
Listing Duration:
| 14 days
|
| |
Estimated loss*:
| 5.95% | | |
|
Term:
| 36 months | | | | |
|
|
Lender yield:
| 13.49% |
Borrower rate/APR:
| 14.49% / 16.65% |
Monthly payment:
| $326.95 |
| |
|
Lender servicing fee:
| 1.00% |
Effective Yield*:
| 13.26% | | |
| |
Estimated return*:
| 7.31% | | |
* 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-1991 |
Debt/Income ratio:
| 14% |
|
Credit score:
| 760-779 (Jan-2011) |
Inquiries last 6m:
| 0 | Employment status: | Employed |
|
Now delinquent:
| 1 |
Current / open credit lines:
| 10
/
8 | Length of status: | 3y 0m |
|
Amount delinquent:
| $0 |
Total credit lines:
| 26 |
Occupation: | Sales - Retail |
|
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $19,383 | Stated income: | $100,000+ |
|
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 85% | | |
| | |
Homeownership:
| Yes | | |
|
Screen name:
| inspiring-rate8 |
Borrower's state:
| Louisiana |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Description
2GBTG
Purpose of loan:
This loan will be used to repair a bulldozer and re-deck haul trailer.?
My financial situation:
I am a good candidate for this loan because? I pay my?responsibilities.
Monthly net income: $
Approximately $10,000
Monthly expenses: $
??Housing: $ 2340????
??Insurance: $ 190
??Car expenses: $179
??Utilities: $ 158
??Phone, cable, internet: $79
??Food, entertainment: $ 300
??Clothing, household expenses $ 250
??Credit cards and other loans: $ 400
Other expenses: $ 300
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
491271
The following information pertains to the borrower loan being requested, that corresponds to the series 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
|
| |
Estimated loss*:
| 10.80% | | |
|
Term:
| 36 months | | | | |
|
|
Lender yield:
| 25.99% |
Borrower rate/APR:
| 26.99% / 30.53% |
Monthly payment:
| $163.28 |
| |
|
Lender servicing fee:
| 1.00% |
Effective Yield*:
| 25.34% | | |
| |
Estimated return*:
| 14.54% | | |
* 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:
| Apr-1987 |
Debt/Income ratio:
| 33% |
|
Credit score:
| 740-759 (Jan-2011) |
Inquiries last 6m:
| 1 | Employment status: | Employed |
|
Now delinquent:
| 0 |
Current / open credit lines:
| 3
/
3 | Length of status: | 8y 4m |
|
Amount delinquent:
| $0 |
Total credit lines:
| 31 |
Occupation: | Professor |
|
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $10,616 | Stated income: | $50,000-$74,999 |
|
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 90% | | |
| | |
Homeownership:
| Yes | | |
|
Screen name:
| chc-ericg |
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
Bringing A Dissertation to Life
Purpose of loan:
Help Me Bring My Dissertation To Life
(consulting states in keeping postsecondary education affordable)
I am currently completing my PhD in Education from the University of North Carolina at Charlotte.? In my dissertation, I offer a model to states designed to offset the costs of pursuing a tertiary education, to residents of the state.? The implementation of this model has the potential to reduce a significant amount of strain placed on states? budgets and potentially allow more academically qualified students to seek other educational pursuits after high school, without fear of costs.
The successful implementation of my work may not be able to benefit students currently pursuing tertiary education.? However, my model can definitely benefit the younger generation and generations to come.??Please support my efforts?in addressing affordable access to?higher education.
Basis on the Model:
Establishment of earmarked (restricted) Cohort Fund Accounts [cohorts = incoming kindergarten cohort] Percentage use of pigovian taxes (to fund the individual Cohort Accounts; one Account per cohort per year) Use of time-value of money principles (TVM) to grow accounts? valueMy financial situation:
I am a good candidate for this loan because my work ethic and work history demonstrates my integrity.? Beyond my integrity, I also have a vision and motivation to make this endeavor a success.
My vision is fueled by a belief, a belief that America is great because of the people who endeavor and the pursuit of higher education plays a part?in this?endeavor and should not become one of the stumbling blocks toward America?s future success.
My motivation, ages 11, 8, 7, and 6, keep me energized day-in and day-out.? And, given the rate of change in tuition costs across the country, I could not stand idly by and watch the American dream potentially pass my children by.
Monthly net income: $ 3,900
Monthly expenses: $
??Housing: $ 1,400
??Insurance: $ 70
??Car expenses: $ 425
??Utilities: $ 275
??Phone, cable, internet: $ 110
??Food, entertainment: $ 450
??Clothing, household expenses $ 200
??Credit cards and other loans: $ 300
??Other expenses: $ 65
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
491543
The following information pertains to the borrower loan being requested, that corresponds to the series 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:
| $5,500.00 |
Prosper Rating:
| D |
Listing Duration:
| 14 days
|
| |
Estimated loss*:
| 9.80% | | |
|
Term:
| 36 months | | | | |
|
|
Lender yield:
| 23.99% |
Borrower rate/APR:
| 24.99% / 28.49% |
Monthly payment:
| $218.65 |
| |
|
Lender servicing fee:
| 1.00% |
Effective Yield*:
| 23.40% | | |
| |
Estimated return*:
| 13.60% | | |
* 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:
| Jun-2005 |
Debt/Income ratio:
| 17% |
|
Credit score:
| 660-679 (Jan-2011) |
Inquiries last 6m:
| 0 | Employment status: | Employed |
|
Now delinquent:
| 0 |
Current / open credit lines:
| 4
/
4 | Length of status: | 2y 11m |
|
Amount delinquent:
| $0 |
Total credit lines:
| 5 |
Occupation: | Professional |
|
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $4,835 | Stated income: | $25,000-$49,999 |
|
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 71% | | |
| | |
Homeownership:
| No | | |
|
Screen name:
| akguy |
Borrower's state:
| Washington |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
| Loan history | Payment history | Credit score history |
|
Active / total loans:
| 1 / 1 |
On-time:
| 9 ( 100% )
| 660-679 (Latest)
|
|
Principal borrowed:
| $7,000.00 | < 31 days late:
| 0
( 0% )
| 640-659
(Mar-2010)
|
|
Principal balance:
| $5,080.63 |
31+ days late:
| 0
( 0% )
|
|
Total payments billed:
| 9 | | |
Description
Lowering My Prosper Loan Rate
Purpose of loan:
This loan will be to take advantage of Prosper's new lower borrower rates (and my improved rating)?and will?used to pay off my previous Prosper loan.? My previous loan had a rate of 35%.? I have made all payments on time, and am currently paying ahead of schedule.
My financial situation:
I am a good candidate for this loan because I feel I'm pretty good with my?money.? I consistently make timely payments on all my bills.? I always check my monthly statements and regularly check my credit report.?
I am employed full-time and things look good for my position and my company.? The company where I work recently restored all pay cuts that were made back in 2009, as well as catch-up pay increases.
Monthly net income: $ 3200
Monthly expenses: $
??Housing: $ 620
??Insurance: $?70
??Car expenses: $?50
??Utilities: $?80
??Phone, cable, internet: $ 300
??Food, entertainment: $?900
??Clothing, household expenses $?10 (avg/estimate)
??Credit cards and other loans: $ 500
??Other expenses: $ 100
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
491593
The following information pertains to the borrower loan being requested, that corresponds to the series 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:
| C |
Listing Duration:
| 14 days
|
| |
Estimated loss*:
| 8.70% | | |
|
Term:
| 36 months | | | | |
|
|
Lender yield:
| 18.99% |
Borrower rate/APR:
| 19.99% / 23.38% |
Monthly payment:
| $74.32 |
| |
|
Lender servicing fee:
| 1.00% |
Effective Yield*:
| 18.55% | | |
| |
Estimated return*:
| 9.85% | | |
* 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-2006 |
Debt/Income ratio:
| 12% |
|
Credit score:
| 680-699 (Jan-2011) |
Inquiries last 6m:
| 1 | Employment status: | Employed |
|
Now delinquent:
| 0 |
Current / open credit lines:
| 6
/
4 | Length of status: | 0y 9m |
|
Amount delinquent:
| $0 |
Total credit lines:
| 9 |
Occupation: | Construction |
|
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $3,679 | Stated income: | $50,000-$74,999 |
|
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 42% | | |
| | |
Homeownership:
| No | | |
|
Screen name:
| jubilant-currency4 |
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
ugp1377
Purpose of loan:
This loan will be used to? help pay bills and improve my living situation
My financial situation:
I am a good candidate for this loan because? i work really hard and i have a full time job
Monthly net income: $ 2720
Monthly expenses: $
??Housing: $ 600
??Insurance: $ 220
??Car expenses: $ 356
??Utilities: $
??Phone, cable, internet: $ 110
??Food, entertainment: $ 500
??Clothing, household expenses $ 200
??Credit cards and other loans: $ 200
??Other expenses: $ 500
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
491611
The following information pertains to the borrower loan being requested, that corresponds to the series 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:
| B |
Listing Duration:
| 14 days
|
| |
Estimated loss*:
| 5.95% | | |
|
Term:
| 36 months | | | | |
|
|
Lender yield:
| 13.49% |
Borrower rate/APR:
| 14.49% / 16.65% |
Monthly payment:
| $258.12 |
| |
|
Lender servicing fee:
| 1.00% |
Effective Yield*:
| 13.26% | | |
| |
Estimated return*:
| 7.31% | | |
* 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-1998 |
Debt/Income ratio:
| 11% |
|
Credit score:
| 720-739 (Jan-2011) |
Inquiries last 6m:
| 1 | Employment status: | Employed |
|
Now delinquent:
| 0 |
Current / open credit lines:
| 16
/
14 | Length of status: | 2y 10m |
|
Amount delinquent:
| $0 |
Total credit lines:
| 32 |
Occupation: | Waiter/Waitress |
|
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $70,430 | Stated income: | $75,000-$99,999 |
|
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 77% | | |
| | |
Homeownership:
| Yes | | |
|
Screen name:
| careful-credit418 |
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
Little Boost for the Groom
The purpose of this loan will be to get a little boost for my wedding, which will take place in May 1, 2011.
I have most of the finances covered for the wedding, but there are always expenses that pop up unexpectedly.
It is my desire to have cash in my pocket to cover any unexpected expenses.
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
491691
The following information pertains to the borrower loan being requested, that corresponds to the series 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:
| E |
Listing Duration:
| 14 days
|
| |
Estimated loss*:
| 14.70% | | |
|
Term:
| 36 months | | | | |
|
|
Lender yield:
| 30.99% |
Borrower rate/APR:
| 31.99% / 35.64% |
Monthly payment:
| $87.10 |
| |
|
Lender servicing fee:
| 1.00% |
Effective Yield*:
| 29.57% | | |
| |
Estimated return*:
| 14.87% | | |
* 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:
| Mar-1985 |
Debt/Income ratio:
| 7% |
|
Credit score:
| 700-719 (Jan-2011) |
Inquiries last 6m:
| 4 | Employment status: | Employed |
|
Now delinquent:
| 0 |
Current / open credit lines:
| 9
/
9 | Length of status: | 26y 0m |
|
Amount delinquent:
| $0 |
Total credit lines:
| 30 |
Occupation: | Police Officer/Corr... |
|
Public records last 12m / 10y:
| 0/ 1 |
Revolving credit balance:
| $5,244 | Stated income: | $75,000-$99,999 |
|
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 100% | | |
| | |
Homeownership:
| Yes | | |
|
Screen name:
| speedy-market023 |
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
Misc. Loan
Purpose of loan:
This loan will be used to? pay for small auto repair and aid in misc. expenses, until a deposit from a mutual fund can be added to my bank acct.
My financial situation:
I am a good candidate for this loan because?
I do not wish to prolong the repayment amount,and will pay it off within 6 months
Monthly net income: $ 6239
Monthly expenses: $
??Housing: $ 1555????????
??Insurance: $?400
??Car expenses: $ 400
??Utilities: $ 150
??Phone, cable, internet: $ 410
??Food, entertainment: $ 900
??Clothing, household expenses $ 500
??Credit cards and other loans: $ 500
??Other expenses: $
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
491765
The following information pertains to the borrower loan being requested, that corresponds to the series 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:
| B |
Listing Duration:
| 14 days
|
| |
Estimated loss*:
| 5.95% | | |
|
Term:
| 36 months | | | | |
|
|
Lender yield:
| 13.49% |
Borrower rate/APR:
| 14.49% / 16.65% |
Monthly payment:
| $344.16 |
| |
|
Lender servicing fee:
| 1.00% |
Effective Yield*:
| 13.26% | | |
| |
Estimated return*:
| 7.31% | | |
* 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-1996 |
Debt/Income ratio:
| 25% |
|
Credit score:
| 760-779 (Jan-2011) |
Inquiries last 6m:
| 1 | Employment status: | Employed |
|
Now delinquent:
| 0 |
Current / open credit lines:
| 11
/
10 | Length of status: | 5y 6m |
|
Amount delinquent:
| $0 |
Total credit lines:
| 21 |
Occupation: | Other |
|
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $4,859 | Stated income: | $75,000-$99,999 |
|
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 23% | | |
| | |
Homeownership:
| No | | |
|
Screen name:
| top-sophisticated-bonus |
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:
This loan will be used to consolidate the remainder of my revolving credit accounts. It only makes financial sense to consolidate them into 1 installment account and be fully paid over 3-years with a locked in feasible fixed interest rate. Total is $8900. I could use the extra $1100 to put aside as an
emergency fund in addition to my savings in the event I may ever need
it.
American Express - $2500 (not reflective on my current credit report)
Bank of America Mastercard - $4700
Chase - $1700
My financial situation:
I am a good candidate for this loan because I always pay my bills on time and have never missed a payment within the least 6-7 years.? Monthly payments include a prior mortgage, lines of credit, credit cards, rent, utilities, etc. I am very self-sufficient, independent, have a very stable job, no commuting expenses, and absolutely no judgments against me (alimony, child support, liens, etc) and no children.? I feel that my credit score and the determination to being on the right path to financial freedom and success are my greatest assets.
Monthly net income: $
3700
Monthly expenses: $
2760
??Housing: $
400 (currently $750 but splitting rent starting next month with new room mate)
??Insurance: $
50
??Car expenses: $ 40 (paid off old car just for gas I work from home rarely go anywhere)
??Utilities: $
0 (included in the rent above)
??Phone, cable, internet: $
170 (I pay for my family plan account)
??Food, entertainment: $
100
??Clothing, household expenses $
0
??Credit cards and other loans: $ 1500
??Other expenses: $ 500 (I help my mother with her rent)
Information in the Description is not verified.