Listing Report:Supplement No. 29 dated Jan 27, 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
490231
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount:
| $7,500.00 |
Prosper Rating:
| D |
Listing Duration:
| 14 days
|
Minimum Amount to Fund:
| $7,500 |
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):
| 6 |
First credit line:
| Jul-1983 |
Debt/Income ratio:
| 24% |
Credit score:
| 700-719 (Jan-2011) |
Inquiries last 6m:
| 0 | Employment status: | Employed |
Now delinquent:
| 0 |
Current / open credit lines:
| 9
/
9 | Length of status: | 30y 4m |
Amount delinquent:
| $0 |
Total credit lines:
| 15 |
Occupation: | Professional |
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $4,478 | Stated income: | $50,000-$74,999 |
Delinquencies in last 7y:
| 15 |
Bankcard utilization:
| 77% | | |
| |
Homeownership:
| No | | |
Screen name:
| green-preeminant-platinum |
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
pjay's loan equest
Purpose of loan:
This loan will be used to?purchase ingredients and packaging material for food manufacturing business
My financial situation:
I am a good candidate for this loan because? I have maintained stability with my employment as I have been with the same company for over 30 years and have worked in different positions.
Monthly net income: $2475
Monthly expenses: $
??Housing: $ n/a
??Insurance: $?217??Car expenses: $?552??Utilities: $ n/a
??Phone, cable, internet: $ n/a
??Food, entertainment: $ 200
??Clothing, household expenses $?150??Credit cards and other loans: $200??Other expenses: $
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
491929
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:
| $25,000.00 |
Prosper Rating:
| AA |
Listing Duration:
| 14 days
|
Minimum Amount to Fund:
| $25,000 |
Estimated loss*:
| 1.55% | | |
Term:
| 60 months | | | | |
|
Lender yield:
| 8.55% |
Borrower rate/APR:
| 9.55% / 9.77% |
Monthly payment:
| $525.66 |
|
Lender servicing fee:
| 1.00% |
Effective Yield*:
| 8.54% | | |
| |
Estimated return*:
| 6.99% | | |
* 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):
| 10 |
First credit line:
| Oct-1987 |
Debt/Income ratio:
| 14% |
Credit score:
| 760-779 (Jan-2011) |
Inquiries last 6m:
| 0 | Employment status: | Employed |
Now delinquent:
| 0 |
Current / open credit lines:
| 13
/
13 | Length of status: | 24y 6m |
Amount delinquent:
| $0 |
Total credit lines:
| 32 |
Occupation: | Computer Programmer |
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $28,893 | Stated income: | $75,000-$99,999 |
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 33% | | |
| |
Homeownership:
| Yes | | |
Screen name:
| FarCry |
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
Get Rid of the Credit Cards
Purpose of loan:
We used credit cards to fix up some rental houses.? The houses are all in rent now, but we had to reduce rents due to the economy, so we haven't been able to make headway on the cards.? We are selling the houses one by one but it takes time. To get the credit cards out from over us at a reasonable rate would be great.
My financial situation:
I make a great income and I have never defaulted on anything.? Should all go according to plan, I should be able to pay this off ahead of time. My wife and I both work steady and have all our lives.? We are in no financial dire straights, but we just want this stuff consolidated in one loan that makes some sense.
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
491965
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount:
| $7,500.00 |
Prosper Rating:
| D |
Listing Duration:
| 14 days
|
Minimum Amount to Fund:
| $5,250 |
Estimated loss*:
| 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):
| 7 |
First credit line:
| Aug-1983 |
Debt/Income ratio:
| 7% |
Credit score:
| 700-719 (Jan-2011) |
Inquiries last 6m:
| 2 | Employment status: | Employed |
Now delinquent:
| 0 |
Current / open credit lines:
| 6
/
5 | Length of status: | 3y 4m |
Amount delinquent:
| $0 |
Total credit lines:
| 13 |
Occupation: | Tradesman - Electri... |
Public records last 12m / 10y:
| 0/ 1 |
Revolving credit balance:
| $9,603 | Stated income: | $100,000+ |
Delinquencies in last 7y:
| 4 |
Bankcard utilization:
| 55% | | |
| |
Homeownership:
| Yes | | |
Screen name:
| DINAK |
Borrower's state:
| California |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan history | Payment history | Credit score history |
Active / total loans:
| 1 / 2 |
On-time:
| 13 ( 100% )
| 700-719 (Latest)
|
Principal borrowed:
| $3,000.00 | < 31 days late:
| 0
( 0% )
| 640-659
(Feb-2010)
660-679
(Sep-2009)
540-559
(May-2008)
|
Principal balance:
| $1,464.86 |
31+ days late:
| 0
( 0% )
|
Total payments billed:
| 13 | | |
Description
Remodeling
Purpose of loan:
1. Pay existing $1530.74 prosper loan to clear $75 a month payment.
2. Pay off a cc balance almost $2000 to clear a $60 a month payment.
3. Finish remodeling my house $4000
My financial situation:
I work as a fire life safety repair technician for a billion dollar company and have all the overtime I want by volunteering for emergency after hours calls.
I take my credit very seriously, this loan will be paid back early without any issues, especially because of the high interest rate. I bought a house in November and have put $18,000 of my own money not loans or credit cards,?into a new maple kitchen, all stainless appliances, I have dug and built a form for new addition, moved walls and added a new bedroom & bathroom, paid an?expensive $3200 permit which?among other things has?throw me over budget & more importantly to me, restraining my time. I will use $4000 of this loan to complete my addition.
Monthly net income: $4000 - $6000 Depends on OT
Monthly expenses: $ 3352
??Housing: $ 1937
??Insurance: $ 65
??Car expenses: $100
??Utilities: $ 250
??Phone, cable, internet: $100
??Food, entertainment: $ 500
??Clothing, household: $200
??Credit cards and other loans: $200
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
491973
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:
| $2,100.00 |
Prosper Rating:
| D |
Listing Duration:
| 14 days
|
Minimum Amount to Fund:
| $2,100 |
Estimated loss*:
| 10.80% | | |
Term:
| 36 months | | | | |
|
Lender yield:
| 25.99% |
Borrower rate/APR:
| 26.99% / 30.53% |
Monthly payment:
| $85.72 |
|
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:
| Dec-1998 |
Debt/Income ratio:
| 12% |
Credit score:
| 640-659 (Jan-2011) |
Inquiries last 6m:
| 1 | Employment status: | Employed |
Now delinquent:
| 0 |
Current / open credit lines:
| 3
/
2 | Length of status: | 1y 5m |
Amount delinquent:
| $0 |
Total credit lines:
| 16 |
Occupation: | Other |
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $924 | Stated income: | $25,000-$49,999 |
Delinquencies in last 7y:
| 7 |
Bankcard utilization:
| 78% | | |
| |
Homeownership:
| No | | |
Screen name:
| inspiring-ore6 |
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
Loan for PGA School / PGA Future
Purpose of loan:
This loan will be used to?
Further my advancement in my profession.? I need this loan to take my level one examination for The PGA of America.? All $2000 will go directly to this cause.
My financial situation:
I am a good candidate for this loan because? I will pay it back the loan back in the time provided.?
Monthly net income: $ 1800 - $2100
Monthly expenses: $ 812
??Housing: $ 400
??Insurance: $ 45
??Car expenses: $ 0
??Utilities: $ 85
??Phone, cable, internet: $ 12
??Food, entertainment: $ 200
??Clothing, household expenses $ 0
??Credit cards and other loans: $ 70
??Other expenses: $ 0
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
492009
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
|
Minimum Amount to Fund:
| $7,000 |
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-1998 |
Debt/Income ratio:
| 20% |
Credit score:
| 740-759 (Jan-2011) |
Inquiries last 6m:
| 0 | Employment status: | Employed |
Now delinquent:
| 0 |
Current / open credit lines:
| 5
/
4 | Length of status: | 1y 3m |
Amount delinquent:
| $0 |
Total credit lines:
| 17 |
Occupation: | Computer Programmer |
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $2,298 | Stated income: | $75,000-$99,999 |
Delinquencies in last 7y:
| 9 |
Bankcard utilization:
| 19% | | |
| |
Homeownership:
| No | | |
Screen name:
| payment-legend7 |
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
Pay off high interest debt
Purpose of loan:
Pay off high interest loans and credit cards
My financial situation:
I am a good candidate for this loan becaue I have a stable job with no over head expenditures.
Put aside some amount to cover loan payments.
Monthly net income: $ 4,800?
Monthly expenses: $
??Housing: $ 920
??Insurance: $ 75
??Car expenses: $ 150?
??Utilities: $ 110
??Phone, cable, internet: $ $45?
??Food, entertainment: $ 400
??Clothing, household expenses $ 125
??Credit cards and other loans: $ 915
??Other expenses: $ 250
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
492089
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:
| A |
Listing Duration:
| 14 days
|
Minimum Amount to Fund:
| $4,200 |
Estimated loss*:
| 3.50% | | |
Term:
| 36 months | | | | |
|
Lender yield:
| 8.55% |
Borrower rate/APR:
| 9.55% / 11.65% |
Monthly payment:
| $192.34 |
|
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-1997 |
Debt/Income ratio:
| 22% |
Credit score:
| 720-739 (Jan-2011) |
Inquiries last 6m:
| 0 | Employment status: | Employed |
Now delinquent:
| 0 |
Current / open credit lines:
| 10
/
10 | Length of status: | 0y 7m |
Amount delinquent:
| $0 |
Total credit lines:
| 52 |
Occupation: | Professional |
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $50,276 | Stated income: | $50,000-$74,999 |
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 44% | | |
| |
Homeownership:
| No | | |
Screen name:
| magnetic-dedication3 |
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
Lower Interest Rates
Investors: Thanks for considering my loan. 100% of the funds will serve to pay down credit card debt. Today, I have over $70,000 in retirement saving plus a little over $10,000 in emergency cash. Although it would make some sense to pay down debt with emergency funds, I believe that having quick access to cash is essential to being a financially stable individual. Below please a summary of my monthly expenses:
- Rent: $1,400
- Food & Dinning: $900
- Miscellaneous Shopping: $500
- Transportation (no car payment): $140
- Cell: $97
- Cable & Internet: $102
Thanks once again for your consideration, and I welcome any questions that may help you whether to invest in my loan.
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
492095
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount:
| $10,000.00 |
Prosper Rating:
| A |
Listing Duration:
| 14 days
|
Minimum Amount to Fund:
| $10,000 |
Estimated loss*:
| 3.50% | | |
Term:
| 36 months | | | | |
|
Lender yield:
| 8.55% |
Borrower rate/APR:
| 9.55% / 11.65% |
Monthly payment:
| $320.56 |
|
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:
| Jan-1988 |
Debt/Income ratio:
| 16% |
Credit score:
| 780-799 (Jan-2011) |
Inquiries last 6m:
| 1 | Employment status: | Employed |
Now delinquent:
| 0 |
Current / open credit lines:
| 9
/
7 | Length of status: | 4y 4m |
Amount delinquent:
| $0 |
Total credit lines:
| 20 |
Occupation: | Computer Programmer |
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $40,645 | Stated income: | $75,000-$99,999 |
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 45% | | |
| |
Homeownership:
| Yes | | |
Screen name:
| orange-cozy-asset |
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
Working Capital
Purpose of loan:
This loan will be used to expand my business advertising efforts. I am in need of stronger advertising and have opted to advertise in two Yellow Pages books. I would like to fund this for about 18 months at about $500.00 per month ($9000.00). The other $1000.00 will be for lesser advertising methods (flyers, pull tabs, road signs, etc.). The business is an On Site Computer Services company. With the world of tech always expanding, the need for such a business will not diminish any time soon! I have three techs that I employ and in spite of a weak economy, my business is growing and your investment will surely produce a return - for both you and me!
My financial situation:
I am a good candidate for this loan because business is growing. More advertising will certainly help increase business. It will only take two or three service calls to make the monthly payment on this loan! That is certainly less than a day's work!
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
492101
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:
| $4,500.00 |
Prosper Rating:
| D |
Listing Duration:
| 14 days
|
Minimum Amount to Fund:
| $3,150 |
Estimated loss*:
| 10.80% | | |
Term:
| 36 months | | | | |
|
Lender yield:
| 25.99% |
Borrower rate/APR:
| 26.99% / 30.53% |
Monthly payment:
| $183.69 |
|
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:
| May-1991 |
Debt/Income ratio:
| 20% |
Credit score:
| 720-739 (Jan-2011) |
Inquiries last 6m:
| 1 | Employment status: | Employed |
Now delinquent:
| 0 |
Current / open credit lines:
| 13
/
11 | Length of status: | 3y 7m |
Amount delinquent:
| $0 |
Total credit lines:
| 53 |
Occupation: | Teacher |
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $19,995 | Stated income: | $50,000-$74,999 |
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 46% | | |
| |
Homeownership:
| Yes | | |
Screen name:
| bonus-marauder0 |
Borrower's state:
| Georgia |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Description
personal loan
Purpose of loan:
This loan will be used to?
To take care of unexpected family expenses that have come upon myself.? I will use these funds wisely to manage my family affairs while ensuring that I am able to make the monthly payments that are required to pay the loan back.? Unfortnately these family expenses with my elderly mother and uncle have been sudden and unexpected.? I am only of the oldest in the family who is able to carry the load for the family.? This money will allow me to meet their needs and some personal needs that I have that have just come up and it is even possible to repay the loan back sooner than expected.? It is my intntion to use these funds responsibily and make sure my obligations are taken care of in a timely manner.? The needs of my family members are medical and some day to day expenses that they are unable to cover therefore my assistance is needed in this regard.? I don't have the immediate cash on hand therefore, I am seeking out this loan to help with the cost for the family so their needs to not go unmet, exspecially since they are both senior citzens and unable to adequately meet these expenses on their own.? THe personal needs I have are some matters in my home that need immediate attention for repair with the season being cold these conditions warrant my immediate attention.? In addition I am having some issues with my auto that need to be taken care of immediately to ensure that I am able to get to work and around safely with out any hurt harm or danger to myself or my family.? These are the reasons that I need this loan so suddenly and it is my home that this loan request can be made in a timely manner.? Thank you,
My financial situation:
I am a good candidate for this loan because?
Monthly net income: $ 66000
Monthly expenses: $
??Housing: $ 840
??Insurance: $ 260
??Car expenses: $ 365
??Utilities: $ 400
??Phone, cable, internet: $ 90
??Food, entertainment: $ 300
??Clothing, household expenses $200
??Credit cards and other loans: $ 600
??Other expenses: $ 200
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
492113
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount:
| $7,500.00 |
Prosper Rating:
| D |
Listing Duration:
| 14 days
|
Minimum Amount to Fund:
| $5,250 |
Estimated loss*:
| 10.80% | | |
Term:
| 36 months | | | | |
|
Lender yield:
| 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):
| 7 |
First credit line:
| May-1989 |
Debt/Income ratio:
| 16% |
Credit score:
| 640-659 (Jan-2011) |
Inquiries last 6m:
| 0 | Employment status: | Employed |
Now delinquent:
| 1 |
Current / open credit lines:
| 8
/
8 | Length of status: | 24y 0m |
Amount delinquent:
| $898 |
Total credit lines:
| 15 |
Occupation: | Nurse (RN) |
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $3,260 | Stated income: | $50,000-$74,999 |
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 58% | | |
| |
Homeownership:
| Yes | | |
Screen name:
| gentle-truth6 |
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
goldenyears
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
492131
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount:
| $7,500.00 |
Prosper Rating:
| D |
Listing Duration:
| 14 days
|
Minimum Amount to Fund:
| $7,500 |
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):
| 7 |
First credit line:
| Sep-1988 |
Debt/Income ratio:
| 12% |
Credit score:
| 680-699 (Jan-2011) |
Inquiries last 6m:
| 0 | Employment status: | Employed |
Now delinquent:
| 2 |
Current / open credit lines:
| 20
/
16 | Length of status: | 9y 9m |
Amount delinquent:
| $2,421 |
Total credit lines:
| 52 |
Occupation: | Attorney |
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $93,838 | Stated income: | $100,000+ |
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 89% | | |
| |
Homeownership:
| Yes | | |
Screen name:
| productive-affluence878 |
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
JVS2
Purpose of loan:
This loan will be used to purchase an engagement ring.
My financial situation is strong.
I am a good candidate for this loan because I am a partner at a major national law firm.
Monthly net income: $17,000
Monthly expenses: $
??Housing: $1850
??Insurance: $140
??Car expenses: $1200
??Utilities: $50
??Phone, cable, internet: $30
??Food, entertainment: $400
??Clothing, household expenses $900
??Credit cards and other loans: $2500
??Other expenses: $
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
491836
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount:
| $7,500.00 |
Prosper Rating:
| D |
Listing Duration:
| 14 days
|
Minimum Amount to Fund:
| $5,250 |
Estimated loss*:
| 10.80% | | |
Term:
| 36 months | | | | |
|
Lender yield:
| 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):
| 6 |
First credit line:
| Jan-1990 |
Debt/Income ratio:
| 16% |
Credit score:
| 660-679 (Jan-2011) |
Inquiries last 6m:
| 6 | Employment status: | Employed |
Now delinquent:
| 0 |
Current / open credit lines:
| 10
/
8 | Length of status: | 6y 1m |
Amount delinquent:
| $0 |
Total credit lines:
| 11 |
Occupation: | Professional |
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $10,558 | Stated income: | $100,000+ |
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 31% | | |
| |
Homeownership:
| No | | |
Screen name:
| revenue-meridian2 |
Borrower's state:
| Ohio |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Description
Reconsolidation Needed
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
491926
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount:
| $10,000.00 |
Prosper Rating:
| A |
Listing Duration:
| 14 days
|
Minimum Amount to Fund:
| $7,000 |
Estimated loss*:
| 3.25% | | |
Term:
| 36 months | | | | |
|
Lender yield:
| 7.49% |
Borrower rate/APR:
| 8.49% / 10.58% |
Monthly payment:
| $315.63 |
|
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:
| Dec-1993 |
Debt/Income ratio:
| 21% |
Credit score:
| 720-739 (Jan-2011) |
Inquiries last 6m:
| 0 | Employment status: | Employed |
Now delinquent:
| 0 |
Current / open credit lines:
| 18
/
15 | Length of status: | 8y 11m |
Amount delinquent:
| $0 |
Total credit lines:
| 32 |
Occupation: | Professional |
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $18,518 | Stated income: | $50,000-$74,999 |
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 57% | | |
| |
Homeownership:
| No | | |
Screen name:
| midreams |
Borrower's state:
| California |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan history | Payment history | Credit score history |
Active / total loans:
| 0 / 1 |
On-time:
| 25 ( 100% )
| 720-739 (Latest)
|
Principal borrowed:
| $9,000.00 | < 31 days late:
| 0
( 0% )
| 660-679
(Jul-2008)
|
Principal balance:
| $0.02 |
31+ days late:
| 0
( 0% )
|
Total payments billed:
| 25 | | |
Description
Pay Those Suckers Off!
Purpose of loan:
This loan will be used to?
consolidate, consolidate, consolidate!
My financial situation:
I am a good candidate for this loan because?Im a no BS kind of person - I owe money and want to pay it off ASAP. My husband and I racked up some debt on home improvements and are looking to pay them all off in a much quicker amount of time with Prosper. We are expecting a large tax refund for 2010 and this loan amount would cover the remaining amount of our debt.
As you can see from my credit rating, I am a very responsible person - never late on a bill and my credit score continues to move upward. I have received a loan from Prosper previously and paid it off in two years, a full year earlier than required. I am a Human Resources Manager at the same company for almost 9 years and my husband is also a manager for his company for close to 13 years. So our employment is very solid.
I respect Prosper and its investors - its a wonderful program and am happy to be a part of it. So what do you say, want to make some money off me? Invest in my loan, you wont regret it!
Thanks so much for your consideration!!
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
491938
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount:
| $15,000.00 |
Prosper Rating:
| A |
Listing Duration:
| 14 days
|
Minimum Amount to Fund:
| $10,500 |
Estimated loss*:
| 3.50% | | |
Term:
| 36 months | | | | |
|
Lender yield:
| 8.55% |
Borrower rate/APR:
| 9.55% / 11.65% |
Monthly payment:
| $480.84 |
|
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:
| Sep-1998 |
Debt/Income ratio:
| 35% |
Credit score:
| 820-839 (Jan-2011) |
Inquiries last 6m:
| 0 | Employment status: | Employed |
Now delinquent:
| 0 |
Current / open credit lines:
| 9
/
9 | Length of status: | 0y 3m |
Amount delinquent:
| $0 |
Total credit lines:
| 25 |
Occupation: | Tradesman - Mechani... |
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $1,169 | Stated income: | $50,000-$74,999 |
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 3% | | |
| |
Homeownership:
| Yes | | |
Screen name:
| undaunted-peace2 |
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
consolidation
I am obtaining this loan to reduce my monthly spending to maximize my monthly savings.
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
491944
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount:
| $7,500.00 |
Prosper Rating:
| D |
Listing Duration:
| 14 days
|
Minimum Amount to Fund:
| $5,250 |
Estimated loss*:
| 10.80% | | |
Term:
| 36 months | | | | |
|
Lender yield:
| 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):
| 6 |
First credit line:
| Feb-1999 |
Debt/Income ratio:
| 15% |
Credit score:
| 720-739 (Jan-2011) |
Inquiries last 6m:
| 2 | Employment status: | Employed |
Now delinquent:
| 0 |
Current / open credit lines:
| 8
/
7 | Length of status: | 12y 3m |
Amount delinquent:
| $0 |
Total credit lines:
| 47 |
Occupation: | Police Officer/Corr... |
Public records last 12m / 10y:
| 0/ 1 |
Revolving credit balance:
| $5,825 | Stated income: | $25,000-$49,999 |
Delinquencies in last 7y:
| 13 |
Bankcard utilization:
| 50% | | |
| |
Homeownership:
| No | | |
Screen name:
| silverarella |
Borrower's state:
| Florida |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Description
Paying off last credit card
Purpose of loan:
This loan will be used to?
pay off credit cards bills
My financial situation:
I am a good candidate for this loan because?
Monthly net income: $ 8300
Monthly expenses: $
??Housing: $ 2500
??Insurance: $ 100
??Car expenses: $ 0
??Utilities: $ 200
??Phone, cable, internet: $ 300
??Food, entertainment: $ 100
??Clothing, household expenses $ 50
??Credit cards and other loans: $ 0
??Other expenses: $ 0
Information in the Description is not verified.