Listing Report:Supplement No. 35 dated Jan 30, 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
491011
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
|
Amount:
| $2,500.00 |
Prosper Rating:
| D |
Listing Duration:
| 14 days
|
|
Minimum Amount to Fund:
| $2,500 |
Estimated loss*:
| 10.80% | | |
|
Term:
| 36 months | | | | |
|
|
Lender yield:
| 25.99% |
Borrower rate/APR:
| 26.99% / 30.53% |
Monthly payment:
| $102.05 |
| |
|
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:
| Oct-1990 |
Debt/Income ratio:
| 53% |
|
Credit score:
| 720-739 (Jan-2011) |
Inquiries last 6m:
| 1 | Employment status: | Employed |
|
Now delinquent:
| 0 |
Current / open credit lines:
| 16
/
16 | Length of status: | 2y 4m |
|
Amount delinquent:
| $0 |
Total credit lines:
| 33 |
Occupation: | Skilled Labor |
|
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $102,370 | Stated income: | $25,000-$49,999 |
|
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 88% | | |
| | |
Homeownership:
| No | | |
|
Screen name:
| bonus-trumpeter |
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
doenpersonal loan
Purpose of loan:
This loan will be used to?pay off my taxes and pay down or consolidate some smaller bills I have.?
My financial situation:
I am a good candidate for this loan because I feel I just need some help to catch up. We have had some medical problems and unexpected expenses over the last few months putting me behind.?
Monthly net income: $ 5540.00
Monthly expenses: $
??Housing: $ 433.00
??Insurance: $ 435.00
??Car expenses: $?389.00??Phone, cable, internet: $250.00
??Food, entertainment: $ 250.00
Clothing, household expenses $ 200.00
??Credit cards and other loans: $ 450.00
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
492187
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
|
|
Minimum Amount to Fund:
| $4,900 |
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):
| 7 |
First credit line:
| Oct-1985 |
Debt/Income ratio:
| 13% |
|
Credit score:
| 640-659 (Jan-2011) |
Inquiries last 6m:
| 0 | Employment status: | Employed |
|
Now delinquent:
| 5 |
Current / open credit lines:
| 4
/
4 | Length of status: | 1y 0m |
|
Amount delinquent:
| $1,860 |
Total credit lines:
| 20 |
Occupation: | Professional |
|
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $16,636 | Stated income: | $100,000+ |
|
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 91% | | |
| | |
Homeownership:
| No | | |
|
Screen name:
| blazing-revenue3 |
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
Capital to Purchase Inventory
Purpose of loan:
This loan will be used to purchase inventory for a new business venture. I'm opening a "Close Quarter Battle" (CQB) indoor combat arena.?
CQB is the latest hot rage with kids in the 9 to 18 yo age range.
Airsoft is very similar to paintball except that you use Airsoft non-lethal plastic BBs instead of messy paint.??
Think of CQB as means of immersing your child or yourself into a live video game with 40 or 50 other people.??
If you want to understand more about Airsoft I suggest visiting www.ssairsoft.com.? In my option these guys have defined the model for running a successful Airsoft Business.?
My financial situation:
I am a good candidate for this loan because after researching the Airsoft market I believe this is a viable business opportunity and I have the skills required to make it a success.?
I currently work for Silicon Valley California based software company where I make excellent money.??? If this venture fail I?m perfectly capable of the repaying this loan.
I?d like to mention that I?m also a Prosper lender, just like you, on.?? I currently have 18 loans out to people just like myself.
I've invested $10,000 cash for initial startup capital.??? This initial startup capital is for retail/commercial space lease acquisition, combat arena build out, licensing, insurance, utilities, advertising and other related startup expenses.
This is existing capital should not to be confused with funds I'm seeking from Prosper.? The additional funds I'm requesting in the form of a Prosper loan will be designated for use in acquiring retail inventory such as clothing, ammunition,? BB rifles, pistols and other assorted items for re-sale.
I know this is going to be successful venture.?? The additional funds from prosper will help us achieve that success a little faster by allowing us build out a retail inventory more quickly than if it was funded by ongoing operations.
Thank you for your time and consideration.? Due to Prospers posting size limitation I was forced to cut my posting text in half.? Please feel free to post any questions you may have and I will respond as quickly as possible.
Monthly net income: ???? ???? ????$
7,000
Monthly expenses:??? ???? ??? ????$? 3,746
??Housing:??????????????????? ???? ???? ?? $????
880
??Insurance:???????????????? ???? ???? ??? $ ?? 306
??Car expenses:?????????? ???? ??? ????$???? 600
??Utilities:???????????????????? ???? ???? ????$???? 200
??Phone, cable, ect:???? ???? ??? ???? $???
160
??Food, entertainment: ???? ??? ???? $???
600
??Clothing, household expenses$???
400
??Credit cards and other loans: $????
500
??Other expenses: ???? ???? ???? ???? $??? 100
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
492235
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
|
|
Minimum Amount to Fund:
| $2,100 |
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):
| 4 |
First credit line:
| Dec-1999 |
Debt/Income ratio:
| Not calculated |
|
Credit score:
| 700-719 (Jan-2011) |
Inquiries last 6m:
| 4 | Employment status: | Employed |
|
Now delinquent:
| 0 |
Current / open credit lines:
| 7
/
7 | Length of status: | 3y 11m |
|
Amount delinquent:
| $0 |
Total credit lines:
| 20 |
Occupation: | Sales - Commission |
|
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $3,238 | Stated income: | $25,000-$49,999 |
|
Delinquencies in last 7y:
| 3 |
Bankcard utilization:
| 33% | | |
| | |
Homeownership:
| No | | |
|
Screen name:
| bountiful-moola |
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
First loan
Purpose of loan:
This loan will be used to?To pay off a loan, and card?to free up some money.?
My financial situation:
I am a good candidate for this loan because? I am in a good position to repay this loan without any issues.
Monthly net income: $ 2,800
Monthly expenses: $
??Housing: $ 0
??Insurance: $ 200
??Car expenses: $?0??Utilities: $ 150
??Phone, cable, internet: $ 100
??Food, entertainment: $ 250
??Clothing, household expenses $ 50
??Credit cards and other loans: $?465
??Other expenses: $ 0
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
492377
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:
| $5,700.00 |
Prosper Rating:
| D |
Listing Duration:
| 14 days
|
|
Minimum Amount to Fund:
| $3,990 |
Estimated loss*:
| 9.80% | | |
|
Term:
| 36 months | | | | |
|
|
Lender yield:
| 23.99% |
Borrower rate/APR:
| 24.99% / 28.49% |
Monthly payment:
| $226.60 |
| |
|
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:
| Mar-1985 |
Debt/Income ratio:
| 1% |
|
Credit score:
| 660-679 (Jan-2011) |
Inquiries last 6m:
| 2 | Employment status: | Employed |
|
Now delinquent:
| 1 |
Current / open credit lines:
| 5
/
5 | Length of status: | 10y 3m |
|
Amount delinquent:
| $0 |
Total credit lines:
| 25 |
Occupation: | Other |
|
Public records last 12m / 10y:
| 0/ 1 |
Revolving credit balance:
| $3,597 | Stated income: | $100,000+ |
|
Delinquencies in last 7y:
| 7 |
Bankcard utilization:
| 37% | | |
| | |
Homeownership:
| No | | |
|
Screen name:
| a-felicity-rotation |
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.
Prosper Activity
| Loan history | Payment history | Credit score history |
|
Active / total loans:
| 1 / 1 |
On-time:
| 11 ( 100% )
| 660-679 (Latest)
|
|
Principal borrowed:
| $3,500.00 | < 31 days late:
| 0
( 0% )
| 680-699
(Feb-2010)
|
|
Principal balance:
| $2,638.65 |
31+ days late:
| 0
( 0% )
|
|
Total payments billed:
| 11 | | |
Description
afelicityr
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
492395
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-1988 |
Debt/Income ratio:
| >1000% |
|
Credit score:
| 760-779 (Jan-2011) |
Inquiries last 6m:
| 0 | Employment status: | Employed |
|
Now delinquent:
| 0 |
Current / open credit lines:
| 9
/
8 | Length of status: | 1y 10m |
|
Amount delinquent:
| $0 |
Total credit lines:
| 22 |
Occupation: | Professional |
|
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $18,406 | Stated income: | $1-$24,999 |
|
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 46% | | |
| | |
Homeownership:
| No | | |
|
Screen name:
| point-habanero |
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
spin545
Purpose of loan:
This loan will be used to? debt consolidation
My financial situation:
I am a good candidate for this loan because? I have a steady job and a good credit rating
Monthly net income: $ 1500
Monthly expenses: $
??Housing: $ 300
??Insurance: $ 35
??Car expenses: $ 0
??Utilities: $ 50
??Phone, cable, internet: $ 10
??Food, entertainment: $ 100
??Clothing, household expenses $ 100
??Credit cards and other loans: $ 500
??Other expenses: $ 0
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
492407
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:
| $22,000.00 |
Prosper Rating:
| AA |
Listing Duration:
| 14 days
|
|
Minimum Amount to Fund:
| $22,000 |
Estimated loss*:
| 1.55% | | |
|
Term:
| 36 months | | | | |
|
|
Lender yield:
| 5.55% |
Borrower rate/APR:
| 6.55% / 6.89% |
Monthly payment:
| $674.78 |
| |
|
Lender servicing fee:
| 1.00% |
Effective Yield*:
| 5.55% | | |
| |
Estimated return*:
| 4.00% | | |
* 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:
| Jun-1992 |
Debt/Income ratio:
| 12% |
|
Credit score:
| 800-819 (Jan-2011) |
Inquiries last 6m:
| 0 | Employment status: | Employed |
|
Now delinquent:
| 0 |
Current / open credit lines:
| 14
/
14 | Length of status: | 2y 0m |
|
Amount delinquent:
| $0 |
Total credit lines:
| 31 |
Occupation: | Construction |
|
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $1,799 | Stated income: | $75,000-$99,999 |
|
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 1% | | |
| | |
Homeownership:
| Yes | | |
|
Screen name:
| top-brainy-basis |
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
My personal loan - predio do Brasil
Purpose of loan:
This loan will be used to?
My financial situation:
I am a good candidate for this loan because?
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
492425
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:
| B |
Listing Duration:
| 14 days
|
|
Minimum Amount to Fund:
| $2,000 |
Estimated loss*:
| 4.95% | | |
|
Term:
| 12 months | | | | |
|
|
Lender yield:
| 10.49% |
Borrower rate/APR:
| 11.49% / 17.31% |
Monthly payment:
| $177.22 |
| |
|
Lender servicing fee:
| 1.00% |
Effective Yield*:
| 10.32% | | |
| |
Estimated return*:
| 5.37% | | |
* 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:
| Sep-1996 |
Debt/Income ratio:
| 16% |
|
Credit score:
| 740-759 (Jan-2011) |
Inquiries last 6m:
| 3 | Employment status: | Employed |
|
Now delinquent:
| 0 |
Current / open credit lines:
| 11
/
10 | Length of status: | 2y 4m |
|
Amount delinquent:
| $0 |
Total credit lines:
| 40 |
Occupation: | Computer Programmer |
|
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $4,788 | Stated income: | $50,000-$74,999 |
|
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 40% | | |
| | |
Homeownership:
| Yes | | |
|
Screen name:
| treasure-shooter276 |
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.
Prosper Activity
| Loan history | Payment history | Credit score history |
|
Active / total loans:
| 0 / 3 |
On-time:
| 18 ( 100% )
| 740-759 (Latest)
|
|
Principal borrowed:
| $14,200.00 | < 31 days late:
| 0
( 0% )
| 760-779
(Sep-2010)
780-799
(Dec-2009)
640-659
(Sep-2008)
|
|
Principal balance:
| $0.02 |
31+ days late:
| 0
( 0% )
|
|
Total payments billed:
| 18 | | |
Description
I need a work truck!
Purpose of loan:
Buy a work truck.
My financial situation:
I am a good candidate for this loan because I have a good credit score, make good money, and have had 2 previous loans with Prosper that I've paid off responsibly.
Monthly net income: $4800
Monthly expenses: $
??Housing: $930
??Insurance: $45
??Car expenses: $0
??Utilities: $350
??Phone, cable, internet: $
120
??Food, entertainment: $
150
??Clothing, household expenses $ 200
??Credit cards and other loans: $
300
??Other expenses: $
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
492112
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:
| AA |
Listing Duration:
| 14 days
|
|
Minimum Amount to Fund:
| $10,500 |
Estimated loss*:
| 1.55% | | |
|
Term:
| 60 months | | | | |
|
|
Lender yield:
| 8.55% |
Borrower rate/APR:
| 9.55% / 9.77% |
Monthly payment:
| $315.39 |
| |
|
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-1984 |
Debt/Income ratio:
| 16% |
|
Credit score:
| 800-819 (Jan-2011) |
Inquiries last 6m:
| 0 | Employment status: | Employed |
|
Now delinquent:
| 0 |
Current / open credit lines:
| 18
/
16 | Length of status: | 13y 10m |
|
Amount delinquent:
| $0 |
Total credit lines:
| 41 |
Occupation: | Professional |
|
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $17,182 | Stated income: | $75,000-$99,999 |
|
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 17% | | |
| | |
Homeownership:
| No | | |
|
Screen name:
| kgilfor1 |
Borrower's state:
| Florida |
Borrower's group:
| Homeschoolers |
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:
This loan will be used to pay off high interest credit card bills and medical debt.? Interest rates range from 11 to 29%, so 9% would be a big savings.
My financial situation:
I am a good candidate for this loan because I have steady income. ? I have a 26yr history of excellent credit.? My credit rating is important to me, so paying this back will be a high priority.
I have been a prosper investor for several years.
Thanks for your consideration.? If you have questions, let me know.
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
492220
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
|
|
Minimum Amount to Fund:
| $3,500 |
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:
| Aug-1994 |
Debt/Income ratio:
| 12% |
|
Credit score:
| 700-719 (Jan-2011) |
Inquiries last 6m:
| 5 | Employment status: | Employed |
|
Now delinquent:
| 0 |
Current / open credit lines:
| 12
/
11 | Length of status: | 19y 11m |
|
Amount delinquent:
| $0 |
Total credit lines:
| 43 |
Occupation: | Attorney |
|
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $13,748 | Stated income: | $100,000+ |
|
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 85% | | |
| | |
Homeownership:
| Yes | | |
|
Screen name:
| adaptable-dedication862 |
Borrower's state:
| NewJersey |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Description
NJSnow
Purpose of loan:
This loan will be used to? pay for unexpected damages from recent snow storms.
My financial situation:
I am a good candidate for this loan because?I've always paid my bills on time?
Monthly net income: $ 14,500 + annual bonus (This year, March 31, est net $50,000)
Monthly expenses: $
??Housing: $ 2626 including ins and taxes
??Insurance: $ 681
??Car expenses: $ no car payment, ins and general amintenance?$200
??Utilities: $ 250
??Phone, cable, internet: $ 300
??Food, entertainment: $ 400
??Clothing, household expenses $ 400
??Credit cards and other loans: $ 2669
??Other expenses: $ 6000 (alimony)
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
492222
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:
| $6,100.00 |
Prosper Rating:
| D |
Listing Duration:
| 14 days
|
|
Minimum Amount to Fund:
| $4,270 |
Estimated loss*:
| 9.80% | | |
|
Term:
| 36 months | | | | |
|
|
Lender yield:
| 23.99% |
Borrower rate/APR:
| 24.99% / 28.49% |
Monthly payment:
| $242.50 |
| |
|
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:
| Sep-1997 |
Debt/Income ratio:
| 14% |
|
Credit score:
| 680-699 (Jan-2011) |
Inquiries last 6m:
| 0 | Employment status: | Employed |
|
Now delinquent:
| 0 |
Current / open credit lines:
| 6
/
6 | Length of status: | 11y 5m |
|
Amount delinquent:
| $0 |
Total credit lines:
| 20 |
Occupation: | Teacher |
|
Public records last 12m / 10y:
| 0/ 1 |
Revolving credit balance:
| $4,197 | Stated income: | $50,000-$74,999 |
|
Delinquencies in last 7y:
| 2 |
Bankcard utilization:
| 80% | | |
| | |
Homeownership:
| Yes | | |
|
Screen name:
| doglover21 |
Borrower's state:
| Oregon |
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:
| 30 ( 97% )
| 680-699 (Latest)
|
|
Principal borrowed:
| $1,500.00 | < 31 days late:
| 1
( 3% )
| 600-619
(Jun-2010)
600-619
(Apr-2008)
|
|
Principal balance:
| $0.29 |
31+ days late:
| 0
( 0% )
|
|
Total payments billed:
| 31 | | |
Description
paying off debt
Purpose of loan:
This loan will be used to? pay off my credit card debt and the dentist
My financial situation:
I am a good candidate for this loan because? I paid off my first loan with Prosper early and have not been late with any credit card payments in the past 3years.? (There is one glitch on the Prosper?loan because of a bank error and I took care of it the next day.)?? My credit rating is low because I have kept my balances high and I want to get one loan and pay off Propser members rather than the banks.? My employment as a college instructor is steady and?I own my home.
Monthly net income: $? 4000
Monthly expenses: $
??Housing: $??? 1000
??Insurance: $???plus?property tax? 275
??Car expenses: $?? 100
??Utilities: $????150
??Phone, cable, internet: $?? 150
??Food, entertainment: $??? 600
??Clothing, household expenses $?? 150
??Credit cards and other loans: $????250
??Other expenses: $??? Student loan 330
?????????????????????????????????Doctor/Dentist?? 150
???????????????????????????????? Pets/Vet????????????250
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
492282
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:
| AA |
Listing Duration:
| 14 days
|
|
Minimum Amount to Fund:
| $3,500 |
Estimated loss*:
| 1.55% | | |
|
Term:
| 12 months | | | | |
|
|
Lender yield:
| 3.99% |
Borrower rate/APR:
| 4.99% / 5.93% |
Monthly payment:
| $428.01 |
| |
|
Lender servicing fee:
| 1.00% |
Effective Yield*:
| 4.00% | | |
| |
Estimated return*:
| 2.45% | | |
* 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:
| Nov-1987 |
Debt/Income ratio:
| 5% |
|
Credit score:
| 740-759 (Jan-2011) |
Inquiries last 6m:
| 1 | Employment status: | Employed |
|
Now delinquent:
| 0 |
Current / open credit lines:
| 10
/
10 | Length of status: | 12y 7m |
|
Amount delinquent:
| $0 |
Total credit lines:
| 24 |
Occupation: | Psychologist |
|
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $46,205 | Stated income: | $100,000+ |
|
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 68% | | |
| | |
Homeownership:
| Yes | | |
|
Screen name:
| listing-daisy513 |
Borrower's state:
| Colorado |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Description
debt payoff
Purpose of loan:
This loan will be used to?
Pay off unsecured debt.? My husband and I have been paying off unsecured debt, primarily credit card debt and a personal line of credit.? We have now paid off three credit cards and have three left, with one personal line of credit.? The total on these debts is approximately $40,000.? I thought it best to start with a $5,000 loan to pay off the card we are currently working on.? We are using the "snowball" method to pay off our debt, paying off the smallest card first and moving to the higher debt cards.? In cases where we have two cards with the same debt, we pay off the card with the highest interest rate first.
My financial situation:
I am a good candidate for this loan because?
My husband and I share our money and we have a joint checking and savings account.? We own a home together, he and I each own and rent out our former residences, and I own another rental with my parents.? My husband earns $280,000 in technology and I earn $20,000 at a private non-profit business.? All our bills, including mortgages, are on automatic payments.? We have paid off three credit card debts.? I have been at my job for 12 years.? My husband has been at his job over 3 years.? He is the 3rd top salesperson internationally in his company.
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
492362
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:
| May-1995 |
Debt/Income ratio:
| 16% |
|
Credit score:
| 700-719 (Jan-2011) |
Inquiries last 6m:
| 0 | Employment status: | Employed |
|
Now delinquent:
| 0 |
Current / open credit lines:
| 14
/
8 | Length of status: | 10y 7m |
|
Amount delinquent:
| $0 |
Total credit lines:
| 24 |
Occupation: | Accountant/CPA |
|
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $65,842 | Stated income: | $75,000-$99,999 |
|
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 99% | | |
| | |
Homeownership:
| Yes | | |
|
Screen name:
| marketplace-structure9 |
Borrower's state:
| Oregon |
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
DKAADDBI
Purpose of loan:
This loan will be used to? UPGRADE OUR COMPUTER SYSTEM AND BUY THE HIGHER END TAX PREPARATION SOFTWARE
My financial situation:
I am a good candidate for this loan because I HAVE MANY NEW CLIENTS COMING FROM CALIFORNIA WHO ARE PAYING 4-5 TIMES HIGHER FEES THAN WE CAN CHARGE, BUT WE NEED EQUIPMENT UPGRADES AND SOME ADDITIONAL CASH FLOW WHILE WE ASSIMILATE THE NEW WORK AND INCREASE OUR A/R BUT ARE STUCK IN THE AMOUNT OF TIME TO COLLECT.?
Monthly net income: $ 9500
Monthly expenses: $
??Housing: $ 2132
??Insurance: $ 200
??Car expenses: $277
??Utilities: $ 250
??Phone, cable, internet: $250
??Food, entertainment: $?500 (4 KIDS)
??Clothing, household expenses $300
??Credit cards and other loans: $ 720
??Other expenses: $ 50
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
492392
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:
| $12,000.00 |
Prosper Rating:
| B |
Listing Duration:
| 14 days
|
|
Minimum Amount to Fund:
| $8,400 |
Estimated loss*:
| 5.95% | | |
|
Term:
| 36 months | | | | |
|
|
Lender yield:
| 13.49% |
Borrower rate/APR:
| 14.49% / 16.65% |
Monthly payment:
| $412.99 |
| |
|
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:
| Jun-1985 |
Debt/Income ratio:
| 14% |
|
Credit score:
| 740-759 (Jan-2011) |
Inquiries last 6m:
| 0 | Employment status: | Employed |
|
Now delinquent:
| 0 |
Current / open credit lines:
| 10
/
8 | Length of status: | 4y 11m |
|
Amount delinquent:
| $0 |
Total credit lines:
| 28 |
Occupation: | Analyst |
|
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $11,254 | Stated income: | $100,000+ |
|
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 88% | | |
| | |
Homeownership:
| Yes | | |
|
Screen name:
| credit-proton |
Borrower's state:
| Virginia |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Description
Taking Back Control!
Purpose of loan:
This loan will be used to? get our financial health back on track.? We are excited about?eliminating our credit card debt with a higher interest rate.
My financial situation:
I am a good candidate for this loan because? my husband and I have both been with our employers for a long time, and we are both very honest and hardworking.? We are looking toward our future with sending our child to college in three years and want to be on solid ground in order to pay her tuition and all the other costs that will be necessary.
Monthly net income: $ 7,000
Monthly expenses: $
??Housing: $ 2755????
??Insurance: $?350
??Car expenses: $?450
??Utilities: $ 250
??Phone, cable, internet: $ 280
??Food, entertainment: $ 500
??Clothing, household expenses $ 200
??Credit cards and other loans: $?1500??????
??Other expenses: $ 715
Information in the Description is not verified.