Listing Report:Supplement No. 24 dated Jan 25, 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
490655
The following information pertains to the borrower loan being requested, that corresponds to the series 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:
| $7,000.00 |
Prosper Rating:
| B |
Listing Duration:
| 14 days
|
| |
Estimated loss*:
| 4.95% | | |
|
Term:
| 36 months | | | | |
|
|
Lender yield:
| 11.99% |
Borrower rate/APR:
| 12.99% / 15.13% |
Monthly payment:
| $235.82 |
| |
|
Lender servicing fee:
| 1.00% |
Effective Yield*:
| 11.79% | | |
| |
Estimated return*:
| 6.84% | | |
* 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-1999 |
Debt/Income ratio:
| 33% |
|
Credit score:
| 760-779 (Jan-2011) |
Inquiries last 6m:
| 0 | Employment status: | Employed |
|
Now delinquent:
| 0 |
Current / open credit lines:
| 7
/
7 | Length of status: | 3y 8m |
|
Amount delinquent:
| $0 |
Total credit lines:
| 28 |
Occupation: | Construction |
|
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $5,817 | Stated income: | $50,000-$74,999 |
|
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 32% | | |
| | |
Homeownership:
| Yes | | |
|
Screen name:
| banker9705 |
Borrower's state:
| Virginia |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
| Loan history | Payment history | Credit score history |
|
Active / total loans:
| 1 / 1 |
On-time:
| 9 ( 100% )
| 760-779 (Latest)
|
|
Principal borrowed:
| $8,000.00 | < 31 days late:
| 0
( 0% )
| 780-799
(Nov-2010)
800-819
(Apr-2010)
|
|
Principal balance:
| $6,205.57 |
31+ days late:
| 0
( 0% )
|
|
Total payments billed:
| 9 | | |
Description
Debt Consilidation
Purpose of loan:
This loan will be used to? combine high interest credit cards to a fixed rate
My financial situation:
I am a good candidate for this loan because? i have never been late on any bills including my current? prosper payment.
Monthly net income: $ 4500.00
Monthly expenses: $
??Housing: $
??Insurance: $ 1079
??Car expenses: $?480
??Utilities: $ 350
??Phone, cable, internet: $ 110
??Food, entertainment: $ 200
??Clothing, household expenses $ 200
??Credit cards and other loans: $ 1000
??Other expenses: $ 250
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
491655
The following information pertains to the borrower loan being requested, that corresponds to the series 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:
| $3,500.00 |
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:
| $142.87 |
| |
|
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):
| 7 |
First credit line:
| Oct-1971 |
Debt/Income ratio:
| 10% |
|
Credit score:
| 680-699 (Jan-2011) |
Inquiries last 6m:
| 1 | Employment status: | Other |
|
Now delinquent:
| 1 |
Current / open credit lines:
| 4
/
4 | Length of status: | 0y 0m |
|
Amount delinquent:
| $76 |
Total credit lines:
| 6 |
Occupation: | Other |
|
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $4,857 | Stated income: | $25,000-$49,999 |
|
Delinquencies in last 7y:
| 2 |
Bankcard utilization:
| 23% | | |
| | |
Homeownership:
| No | | |
|
Screen name:
| commitment-caballero4 |
Borrower's state:
| Kansas |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Description
Housing Upgrades
Purpose of loan:
This loan will be used to?
Fix plumbing and roof
My financial situation:
I am a good candidate for this loan because? Because I have always paid my bills in the past and have a good history.
Monthly net income: $ 2500????
Monthly expenses: $
??Housing: $ 0.00????
??Insurance: $ 48
??Car expenses: $ 150.
??Utilities: $ 165
??Phone, cable, internet: $ 54
??Food, entertainment: $ 200
??Clothing, household expenses $ 50
??Credit cards and other loans: $ 150
??Other expenses: $ 0
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
491677
The following information pertains to the borrower loan being requested, that corresponds to the series 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:
| Nov-1999 |
Debt/Income ratio:
| 32% |
|
Credit score:
| 720-739 (Jan-2011) |
Inquiries last 6m:
| 2 | Employment status: | Employed |
|
Now delinquent:
| 0 |
Current / open credit lines:
| 11
/
11 | Length of status: | 4y 4m |
|
Amount delinquent:
| $0 |
Total credit lines:
| 12 |
Occupation: | Sales - Commission |
|
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $4,804 | Stated income: | $75,000-$99,999 |
|
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 18% | | |
| | |
Homeownership:
| No | | |
|
Screen name:
| interest-framework0 |
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
eggy
Purpose of loan:
Debt con?
My financial situation:
I am a good candidate for this loan because i work a pharma rep that makes roughly around 75,000. i always pay everything on time.?
Monthly net income: $ 4,000
Monthly expenses: $
??Housing: $?0
??Insurance: $ compnay pays forvit
??Car expenses: $ company pays for it
??Utilities: $ 0
??Phone, cable, internet: $ 0
??Food, entertainment: $?700
??Clothing, household expenses $ 300
??Credit cards and other loans: $ 100
??Other expenses: $
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
491709
The following information pertains to the borrower loan being requested, that corresponds to the series 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):
| 4 |
First credit line:
| Nov-1987 |
Debt/Income ratio:
| Self-employed (DTI Not Calculated) |
|
Credit score:
| 760-779 (Jan-2011) |
Inquiries last 6m:
| 2 | Employment status: | Self-employed |
|
Now delinquent:
| 0 |
Current / open credit lines:
| 11
/
9 | Length of status: | 7y 7m |
|
Amount delinquent:
| $0 |
Total credit lines:
| 35 |
Occupation: | Other |
|
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $41,847 | Stated income: | $25,000-$49,999 |
|
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 47% | | |
| | |
Homeownership:
| Yes | | |
|
Screen name:
| bill-bunny3 |
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
My personal loan
Purpose of loan:
This loan will be used to fund inventory for my business.
My financial situation good.
I am a good candidate for this loan because of excellent credit score.
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
491861
The following information pertains to the borrower loan being requested, that corresponds to the series 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:
| 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:
| $244.92 |
| |
|
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):
| 6 |
First credit line:
| Aug-1998 |
Debt/Income ratio:
| 38% |
|
Credit score:
| 660-679 (Jan-2011) |
Inquiries last 6m:
| 0 | Employment status: | Employed |
|
Now delinquent:
| 1 |
Current / open credit lines:
| 13
/
11 | Length of status: | 5y 10m |
|
Amount delinquent:
| $214 |
Total credit lines:
| 21 |
Occupation: | Skilled Labor |
|
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $24,567 | Stated income: | $50,000-$74,999 |
|
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 85% | | |
| | |
Homeownership:
| Yes | | |
|
Screen name:
| commitmentenstein1 |
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
debt consolidation
Purpose of loan:
This loan will be used to pay off credit card debt?
My financial situation:
I am a good candidate for this loan because I pay all my bills and?Job security?
Monthly net income: $ 3700
Monthly expenses: $
??Housing: $ spouse?pays mortgage
??Insurance: $ 450 for four vehicles
??Car expenses: $ 410
??Utilities: $ 220
??Phone, cable, internet: $ 160
??Food, entertainment: $ 200
??Clothing, household expenses $?0
??Credit cards and other loans: $ 955
??Other expenses: $ 174 time share Last payment will be 9/3/2011
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
491867
The following information pertains to the borrower loan being requested, that corresponds to the series 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:
| $5,000.00 |
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:
| $204.10 |
| |
|
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):
| 7 |
First credit line:
| Sep-1982 |
Debt/Income ratio:
| 7% |
|
Credit score:
| 700-719 (Jan-2011) |
Inquiries last 6m:
| 0 | Employment status: | Employed |
|
Now delinquent:
| 6 |
Current / open credit lines:
| 8
/
9 | Length of status: | 10y 6m |
|
Amount delinquent:
| $4,773 |
Total credit lines:
| 24 |
Occupation: | Other |
|
Public records last 12m / 10y:
| 0/ 1 |
Revolving credit balance:
| $2,327 | Stated income: | $75,000-$99,999 |
|
Delinquencies in last 7y:
| 8 |
Bankcard utilization:
| 96% | | |
| | |
Homeownership:
| Yes | | |
|
Screen name:
| ymimms |
Borrower's state:
| Maryland |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Description
Consolidation
Purpose of loan:
This loan will be used to consolidate debt.
My financial situation:
I am a good candidate for this loan because I am determined to fix my situation.? I am progressing on my job as well.
Monthly net income: $ 3200
Monthly expenses: $
??Housing: $
1200
??Insurance: $
150
??Car expenses: $
??Utilities: $
300
??Phone, cable, internet: $
200
??Food, entertainment: $
200
??Clothing, household expenses $
??Credit cards and other loans: $
250
??Other expenses: $
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
491632
The following information pertains to the borrower loan being requested, that corresponds to the series 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
|
| |
Estimated loss*:
| 10.80% | | |
|
Term:
| 36 months | | | | |
|
|
Lender yield:
| 25.99% |
Borrower rate/APR:
| 26.99% / 30.53% |
Monthly payment:
| $81.64 |
| |
|
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:
| Jun-1994 |
Debt/Income ratio:
| 26% |
|
Credit score:
| 720-739 (Jan-2011) |
Inquiries last 6m:
| 2 | Employment status: | Employed |
|
Now delinquent:
| 0 |
Current / open credit lines:
| 13
/
12 | Length of status: | 5y 0m |
|
Amount delinquent:
| $0 |
Total credit lines:
| 22 |
Occupation: | Other |
|
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $18,799 | Stated income: | $50,000-$74,999 |
|
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 48% | | |
| | |
Homeownership:
| Yes | | |
|
Screen name:
| awe-inspiring-funds0 |
Borrower's state:
| Pennsylvania |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Description
Short Term Loan Needed
Purpose of loan:
Pay immediate debts
My financial situation:
I am looking to pay off this loan in a few months, it's meant to bridge some immediate debts left from my wife's disability.
Monthly net income: $
120,000
Monthly expenses: $
??Housing: $
1700
??Insurance: $
300
??Car expenses: $
600
??Utilities: $
500
??Phone, cable, internet: $200
??Food, entertainment: $
300
??Clothing, household expenses $50
??Credit cards and other loans: $
400
??Other expenses: $
300
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
491680
The following information pertains to the borrower loan being requested, that corresponds to the series 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:
| $7,000.00 |
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:
| $285.74 |
| |
|
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):
| 6 |
First credit line:
| Apr-1993 |
Debt/Income ratio:
| Self-employed (DTI Not Calculated) |
|
Credit score:
| 760-779 (Jan-2011) |
Inquiries last 6m:
| 1 | Employment status: | Self-employed |
|
Now delinquent:
| 0 |
Current / open credit lines:
| 8
/
8 | Length of status: | 16y 0m |
|
Amount delinquent:
| $0 |
Total credit lines:
| 20 |
Occupation: | Social Worker |
|
Public records last 12m / 10y:
| 0/ 1 |
Revolving credit balance:
| $6,196 | Stated income: | $50,000-$74,999 |
|
Delinquencies in last 7y:
| 3 |
Bankcard utilization:
| 33% | | |
| | |
Homeownership:
| No | | |
|
Screen name:
| excellent-yield3 |
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
Homeimprovment
Purpose of loan:
This loan will be used to? I am using this loan to add space for my business.
My financial situation:
I am a good candidate for this loan because?
my credit is good and my bills are always up to date.
Monthly net income: $ 3500
Monthly expenses: $
??Housing: $
??Insurance: $ 100
??Car expenses: $ 100
??Utilities: $200?
??Phone, cable, internet: $ 50
??Food, entertainment: $?300
??Clothing, household expenses $ 100
??Credit cards and other loans: $ 50
??Other expenses: $
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
491704
The following information pertains to the borrower loan being requested, that corresponds to the series 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:
| $3,500.00 |
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:
| $152.42 |
| |
|
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):
| 6 |
First credit line:
| Feb-1998 |
Debt/Income ratio:
| Not calculated |
|
Credit score:
| 640-659 (Jan-2011) |
Inquiries last 6m:
| 2 | Employment status: | Employed |
|
Now delinquent:
| 0 |
Current / open credit lines:
| 3
/
2 | Length of status: | 9y 6m |
|
Amount delinquent:
| $0 |
Total credit lines:
| 15 |
Occupation: | Administrative Assi... |
|
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $5,101 | Stated income: | $50,000-$74,999 |
|
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 69% | | |
| | |
Homeownership:
| No | | |
|
Screen name:
| the-ingenious-commitment |
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
Family Assistance~Medical Bills
Purpose of loan:
This loan will be used to pay off some medical bills my son has incurred. He is Autistic and has needed some surgeries. The copays were expensive
My financial situation:
I am a good candidate for this loan because I will be able to get out of debt
Monthly net income: $ 4800
Monthly expenses: $
??Housing: $ 2150
??Insurance: $ 500
??Car expenses: $?200
??Utilities: $?400
??Phone, cable, internet: $ 200
??Food, entertainment: $ 500
??Clothing, household expenses $ 200
??Credit cards and other loans: $ 500
??Other expenses: $ 200
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
491712
The following information pertains to the borrower loan being requested, that corresponds to the series 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:
| 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:
| $130.65 |
| |
|
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):
| 6 |
First credit line:
| Aug-2003 |
Debt/Income ratio:
| 8% |
|
Credit score:
| 640-659 (Jan-2011) |
Inquiries last 6m:
| 0 | Employment status: | Employed |
|
Now delinquent:
| 1 |
Current / open credit lines:
| 3
/
2 | Length of status: | 2y 9m |
|
Amount delinquent:
| $3,284 |
Total credit lines:
| 10 |
Occupation: | Other |
|
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $511 | Stated income: | $25,000-$49,999 |
|
Delinquencies in last 7y:
| 23 |
Bankcard utilization:
| 102% | | |
| | |
Homeownership:
| No | | |
|
Screen name:
| gold-britches |
Borrower's state:
| Indiana |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Description
Trying to make a fresh start...
Purpose of loan:
This loan will be used to pay off credit card debt in order to get ahead and feel relief from bills.
My financial situation:
I am a good candidate for this loan because I am a hard worker who has been employed in my current job for nearly three years. In the time I have been employed I have been promoted to a manager of my hair salon which yields a pay raise. I understand I am not a perfect person with perfect credit, but I am now serious about getting my finances together so I can become more stable in my life. I was a young person who abused my credit, and am now suffering the ramifications of my poor choices. I have credit debt which is run up and I cannot get?ahead because of the massively high interest rates stacked on top of each other. ?I have learned the error in my ways and have decided to turn over a new leaf by consolidating debt and really buckling down to pay off debt. I intend to use my tax return which is about $1000 to pay off smaller credit cards, and this loan to pay off one of my large credit cards.
Monthly net income: $ 2033
Monthly expenses: $
??Housing: $500
??Insurance: $50
??Car expenses: $ 0
??Utilities: $ 115
??Phone, cable, internet: $ 0
??Food, entertainment: $ 200
??Clothing, household expenses $ 100
??Credit cards and other loans: $ 223????
??Other expenses: $ 0
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
491718
The following information pertains to the borrower loan being requested, that corresponds to the series 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):
| 4 |
First credit line:
| Sep-2001 |
Debt/Income ratio:
| 23% |
|
Credit score:
| 700-719 (Jan-2011) |
Inquiries last 6m:
| 0 | Employment status: | Employed |
|
Now delinquent:
| 1 |
Current / open credit lines:
| 5
/
5 | Length of status: | 3y 0m |
|
Amount delinquent:
| $221 |
Total credit lines:
| 52 |
Occupation: | Accountant/CPA |
|
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $0 | Stated income: | $75,000-$99,999 |
|
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 0% | | |
| | |
Homeownership:
| No | | |
|
Screen name:
| bold-spiritual-marketplace |
Borrower's state:
| Georgia |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Description
Quantum Fund(Energy & Silver)
Purpose of loan:
This loan will be used to?
Purchase energy and silver mining companies that will show a projected return of 4200%
My financial situation:
I am a good candidate for this loan because?
I own $20,000 worth of equities and I started with $4,000. We are a company that is currently debt free and maintains zero overhead. Our profit margin is extremely high and the only thing we are missing is adequate capital to take advantage of arbitrage situations in the market.
Monthly net income: $
$500
Monthly expenses: $
??Housing: $ 0
??Insurance: $0
??Car expenses: $0
??Utilities: $0
??Phone, cable, internet: $0
??Food, entertainment: $0
??Clothing, household expenses $
??Credit cards and other loans: $
??Other expenses: $
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
491742
The following information pertains to the borrower loan being requested, that corresponds to the series 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:
| $5,000.00 |
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:
| $217.74 |
| |
|
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:
| Dec-2000 |
Debt/Income ratio:
| 22% |
|
Credit score:
| 680-699 (Jan-2011) |
Inquiries last 6m:
| 2 | Employment status: | Employed |
|
Now delinquent:
| 2 |
Current / open credit lines:
| 4
/
4 | Length of status: | 9y 0m |
|
Amount delinquent:
| $358 |
Total credit lines:
| 39 |
Occupation: | Clerical |
|
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $1,338 | Stated income: | $25,000-$49,999 |
|
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 27% | | |
| | |
Homeownership:
| No | | |
|
Screen name:
| favorite-liberty8 |
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
Ms .Sharissa Brooks
Purpose of loan:
This loan will be used to? Medical bills/ Vacation????
My financial situation:
I am a good candidate for this loan because? I do pay back my loans on time. Also i have great job time and residence time????
Monthly net income: $ 2300.00????????
Monthly expenses: $
??Housing: $ 0???
??Insurance: $?0
??Car expenses: $420.00
??Utilities: $ 0Phone, cable, internet: $ 75.00
??Food, entertainment: $ 100.00
??Clothing, household expenses $100.00
??Credit cards and other loans: $50.00??Other expenses: $
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
491774
The following information pertains to the borrower loan being requested, that corresponds to the series 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:
| A |
Listing Duration:
| 14 days
|
| |
Estimated loss*:
| 3.50% | | |
|
Term:
| 36 months | | | | |
|
|
Lender yield:
| 8.55% |
Borrower rate/APR:
| 9.55% / 11.65% |
Monthly payment:
| $240.42 |
| |
|
Lender servicing fee:
| 1.00% |
Effective Yield*:
| 8.53% | | |
| |
Estimated return*:
| 5.03% | | |
* 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:
| Oct-1994 |
Debt/Income ratio:
| 13% |
|
Credit score:
| 720-739 (Jan-2011) |
Inquiries last 6m:
| 0 | Employment status: | Employed |
|
Now delinquent:
| 1 |
Current / open credit lines:
| 5
/
5 | Length of status: | 8y 3m |
|
Amount delinquent:
| $0 |
Total credit lines:
| 27 |
Occupation: | Medical Technician |
|
Public records last 12m / 10y:
| 0/ 1 |
Revolving credit balance:
| $9,559 | Stated income: | $50,000-$74,999 |
|
Delinquencies in last 7y:
| 4 |
Bankcard utilization:
| 56% | | |
| | |
Homeownership:
| No | | |
|
Screen name:
| durability-awakening9 |
Borrower's state:
| Pennsylvania |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Description
durability-awakening9
Purpose of loan:
This loan will be used to? Pay down some debts.? To help with my responsibilities for my sons wedding.? Also?to help my daughter with additional medical costs. She is going to make me a grandpap. I want to have this extra money so I can be a good father and unfortunately that does include money.
My financial situation:
I am a good candidate for this loan because?I am a VERY hard and VERY loyal worker. I take as much call that I can, ?to make extra money.? I am also able to take courses @ my job which will raise my salary, and I do this.? My wife told me I?should just live @ work.? I also budget and make sure I have all the payments included and paid. I must be old fashion and have old fashion values when it comes to supporting my family as best I can.? We live a simple life and don't even try to keep up with the Jone's. I have figured it out and I have enough to pay this extra payment.? Thank You.
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
491822
The following information pertains to the borrower loan being requested, that corresponds to the series 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
|
| |
Estimated loss*:
| 9.80% | | |
|
Term:
| 36 months | | | | |
|
|
Lender yield:
| 23.99% |
Borrower rate/APR:
| 24.99% / 28.49% |
Monthly payment:
| $79.51 |
| |
|
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):
| 7 |
First credit line:
| Jul-2001 |
Debt/Income ratio:
| 11% |
|
Credit score:
| 640-659 (Jan-2011) |
Inquiries last 6m:
| 1 | Employment status: | Employed |
|
Now delinquent:
| 0 |
Current / open credit lines:
| 4
/
3 | Length of status: | 5y 6m |
|
Amount delinquent:
| $0 |
Total credit lines:
| 21 |
Occupation: | Sales - Retail |
|
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $1,190 | Stated income: | $25,000-$49,999 |
|
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 0% | | |
| | |
Homeownership:
| No | | |
|
Screen name:
| dans25 |
Borrower's state:
| Illinois |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
| Loan history | Payment history | Credit score history |
|
Active / total loans:
| 0 / 2 |
On-time:
| 33 ( 97% )
| 640-659 (Latest)
|
|
Principal borrowed:
| $2,500.00 | < 31 days late:
| 1
( 3% )
| 660-679
(Jan-2010)
620-639
(May-2007)
600-619
(Apr-2007)
|
|
Principal balance:
| $0.00 |
31+ days late:
| 0
( 0% )
|
|
Total payments billed:
| 34 | | |
Description
closing up a few debts
Purpose of loan:
This loan will be used to sure up a few debts, close out?a credit card, etc.
My financial situation:
I am a good candidate for this loan because I have held down a steady job with the same great company for 7+ years, also if you take a look, I paid off my last prosper loan nice and early????
Monthly net income: $ 1,900/month
Monthly expenses: $ 1,405
??Housing: $?645????????
??Insurance: $ 80
??Car expenses: $ 100?????
??Utilities: $ 60
??Phone, cable, internet: $ 200
??Food, entertainment: $ 200
??Clothing, household expenses $? 40?
??Credit cards and other loans: $ 80
??Other expenses: $
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
491876
The following information pertains to the borrower loan being requested, that corresponds to the series 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:
| $8,000.00 |
Prosper Rating:
| A |
Listing Duration:
| 14 days
|
| |
Estimated loss*:
| 3.25% | | |
|
Term:
| 36 months | | | | |
|
|
Lender yield:
| 7.49% |
Borrower rate/APR:
| 8.49% / 10.58% |
Monthly payment:
| $252.50 |
| |
|
Lender servicing fee:
| 1.00% |
Effective Yield*:
| 7.48% | | |
| |
Estimated return*:
| 4.23% | | |
* 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:
| Oct-1999 |
Debt/Income ratio:
| 12% |
|
Credit score:
| 720-739 (Jan-2011) |
Inquiries last 6m:
| 0 | Employment status: | Employed |
|
Now delinquent:
| 0 |
Current / open credit lines:
| 7
/
7 | Length of status: | 6y 2m |
|
Amount delinquent:
| $0 |
Total credit lines:
| 15 |
Occupation: | Other |
|
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $10,536 | Stated income: | $50,000-$74,999 |
|
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 68% | | |
| | |
Homeownership:
| Yes | | |
|
Screen name:
| 4kiddad |
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:
| 35 ( 97% )
| 720-739 (Latest)
|
|
Principal borrowed:
| $10,500.00 | < 31 days late:
| 1
( 3% )
| 740-759
(May-2007)
|
|
Principal balance:
| $0.00 |
31+ days late:
| 0
( 0% )
|
|
Total payments billed:
| 36 | | |
Description
Home Improvements and Car purchase
Purpose of loan:
This loan will be used to purchase a used car and do home improvements. My 1994 Dodge Ram truck is about to go. It has 202,000 miles on it and needs a new transmission and the motor needs work and?it wouldn't be wise to put any more money into it. I want to buy a used car between $6000.00 - $7,000.00 and use the balance to paint my house on exterior, which I will do myself. ?
My financial situation:
I am a good candidate for this loan because I have now been here at my place of emloyment for 6+ years and 29 + years in the industry?and I am in good standing with the company. The account I handle has had record revenues in all three of the last years. I work for a very reputable printer, the largest in the world. I had a previous loan with prosper for more thatn I am asking on this and made all of my payments?automically.
Information in the Description is not verified.