Listing Report:Supplement No. 63 dated Feb 15, 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
490855
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
|
| |
Estimated loss*:
| 1.55% | | |
|
Term:
| 36 months | | | | |
|
|
Lender yield:
| 5.55% |
Borrower rate/APR:
| 6.55% / 6.89% |
Monthly payment:
| $153.36 |
| |
|
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:
| Jan-1992 |
Debt/Income ratio:
| 9% |
|
Credit score:
| 820-839 (Jan-2011) |
Inquiries last 6m:
| 0 | Employment status: | Employed |
|
Now delinquent:
| 0 |
Current / open credit lines:
| 12
/
11 | Length of status: | 12y 5m |
|
Amount delinquent:
| $0 |
Total credit lines:
| 27 |
Occupation: | Executive |
|
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $7,981 | Stated income: | $50,000-$74,999 |
|
Delinquencies in last 7y:
| 9 |
Bankcard utilization:
| 17% | | |
| | |
Homeownership:
| Yes | | |
|
Screen name:
| openbox |
Borrower's state:
| California |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Description
Leaping after carefully looking!
This loan will be used for initial operating and home office setup expenses for my transition into becoming an independent consultant for Human Resources and Facilities Services.
This loan will fund office furniture, a printer for 11x17 documents, and my first year of liability insurance. Remaining funds will be for operating expenses since it will be 3 months until receivables start coming in. (Find out about job, quote job, wait for approval, order stuff, wait for stuff to arrive, do job, invoice, NET 30 to get paid = 90 days). I have enough savings for household living expenses through the startup.
I have been a Facilities Services consultant as an employee at a mid-size business for 12 years, primarily working with banking institutions. I draft scopes of work, draw plans, source furniture, and coordinate with trades for branch remodels, relocations, corporate office restacks, and daily service requests. I am very integrated with the client?s organizations.
I worked a deal between the client and my employer to go out on my own, use the employer?s resources for a commission, and billing the client directly for my consulting services, project management services, etc.
I'm boring. I pay my bills. I will just be treading water for the first 90 days until I start getting my receivables paid, as demonstrated above.
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
492257
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
|
| |
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:
| Aug-1989 |
Debt/Income ratio:
| 25% |
|
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: | 0y 6m |
|
Amount delinquent:
| $0 |
Total credit lines:
| 26 |
Occupation: | Pilot - Private/Com... |
|
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $67,362 | Stated income: | $50,000-$74,999 |
|
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 73% | | |
| | |
Homeownership:
| Yes | | |
|
Screen name:
| bonus-ringleader1 |
Borrower's state:
| Tennessee |
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
Chips and Salsa
Purpose of loan:
This loan will be used to? is to buy inventory for salsa and organic corn chips business.
My financial situation:
I am a good candidate for this loan because? we have been in business for 6 years and are growing vendors with Walgreen's and Food City.
Monthly net income: $ 6,000
Monthly expenses: $
??Housing: $ 1,200
??Insurance: $ 100
??Car expenses: $ 445
??Utilities: $ 200
??Phone, cable, internet: $ 150
??Food, entertainment: $ 400
??Clothing, household expenses $ 200
??Credit cards and other loans: $?200
??Other expenses: $ 100
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
492635
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:
| $3,800.00 |
Prosper Rating:
| E |
Listing Duration:
| 14 days
|
| |
Estimated loss*:
| 14.70% | | |
|
Term:
| 36 months | | | | |
|
|
Lender yield:
| 30.99% |
Borrower rate/APR:
| 31.99% / 35.64% |
Monthly payment:
| $165.49 |
| |
|
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:
| Oct-1976 |
Debt/Income ratio:
| 5% |
|
Credit score:
| 680-699 (Feb-2011) |
Inquiries last 6m:
| 0 | Employment status: | Employed |
|
Now delinquent:
| 0 |
Current / open credit lines:
| 0
/
0 | Length of status: | 3y 5m |
|
Amount delinquent:
| $0 |
Total credit lines:
| 4 |
Occupation: | Truck Driver |
|
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $0 | Stated income: | $25,000-$49,999 |
|
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 0% | | |
| | |
Homeownership:
| No | | |
|
Screen name:
| top-thoughtful-money |
Borrower's state:
| Missouri |
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
bto13e
Purpose of loan:
This loan will be used to? pay off some temporary debts.
My financial situation:
I am a good candidate for this loan because? I am a very established employee and always receive consistent work.
Monthly net income: $
Monthly expenses: $
??Housing: $?0
??Insurance: $ 180
??Car expenses: $?345
??Utilities: $ 100
??Phone, cable, internet: $ 45
??Food, entertainment: $ 400
??Clothing, household expenses $ 0
??Credit cards and other loans: $ 0
??Other expenses: $ 0
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
493437
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
|
Amount:
| $7,500.00 |
Prosper Rating:
| E |
Listing Duration:
| 14 days
|
| |
Estimated loss*:
| 14.70% | | |
|
Term:
| 36 months | | | | |
|
|
Lender yield:
| 30.99% |
Borrower rate/APR:
| 31.99% / 35.64% |
Monthly payment:
| $326.62 |
| |
|
Lender servicing fee:
| 1.00% |
Effective Yield*:
| 29.57% | | |
| |
Estimated return*:
| 14.87% | | |
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
|
Prosper score (1-10):
| 5 |
First credit line:
| Apr-1995 |
Debt/Income ratio:
| 26% |
|
Credit score:
| 680-699 (Feb-2011) |
Inquiries last 6m:
| 3 | Employment status: | Employed |
|
Now delinquent:
| 0 |
Current / open credit lines:
| 4
/
4 | Length of status: | 12y 0m |
|
Amount delinquent:
| $0 |
Total credit lines:
| 38 |
Occupation: | Professional |
|
Public records last 12m / 10y:
| 0/ 1 |
Revolving credit balance:
| $1,212 | Stated income: | $50,000-$74,999 |
|
Delinquencies in last 7y:
| 5 |
Bankcard utilization:
| 48% | | |
| | |
Homeownership:
| No | | |
|
Screen name:
| pound-safehouse5 |
Borrower's state:
| Missouri |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Description
Help Us Adopt our Baby Girl
Purpose of loan:
This loan will be used to adopt our baby girl.? We are adopting domestically and helping a child in need.? We have chosen to help a family domestically in need that has decided that adoption is the best option for thier child.
My financial situation:
I am a good candidate for this loan because we will be utilizing our employer adoption reimbursement program as well as tax credits to repay the load as quickly as possible.
Monthly net income: $ 4,875 mine plus spouse of 4,200
Monthly expenses: $
??Housing: $ 1100
??Insurance: $?300
??Car expenses: $1000
??Utilities: $ 250
??Phone, cable, internet: $ 200
??Food, entertainment: $ 200
??Clothing, household expenses $ 400
??Credit cards and other loans: $ 30
??Other expenses: $
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
493791
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:
| C |
Listing Duration:
| 14 days
|
| |
Estimated loss*:
| 8.70% | | |
|
Term:
| 36 months | | | | |
|
|
Lender yield:
| 18.99% |
Borrower rate/APR:
| 19.99% / 23.38% |
Monthly payment:
| $185.79 |
| |
|
Lender servicing fee:
| 1.00% |
Effective Yield*:
| 18.55% | | |
| |
Estimated return*:
| 9.85% | | |
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
|
Prosper score (1-10):
| 9 |
First credit line:
| Jan-2003 |
Debt/Income ratio:
| 8% |
|
Credit score:
| 660-679 (Feb-2011) |
Inquiries last 6m:
| 2 | Employment status: | Employed |
|
Now delinquent:
| 0 |
Current / open credit lines:
| 5
/
3 | Length of status: | 0y 3m |
|
Amount delinquent:
| $0 |
Total credit lines:
| 11 |
Occupation: | Professional |
|
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $3,250 | Stated income: | $25,000-$49,999 |
|
Delinquencies in last 7y:
| 31 |
Bankcard utilization:
| 11% | | |
| | |
Homeownership:
| No | | |
|
Screen name:
| economy-frog6 |
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
GoodInvestment85
Purpose of loan:? Consolidate all my debt and have one monthly payment.
My financial situation:
I am a good candidate for this loan because I have been?working consistantly for the past 4 years.?
Monthly net income: $3000
Monthly expenses: $
??Housing: $ 1000
??Insurance: $ 0
??Car expenses: $ 0
??Utilities: $ included
??Phone, cable, internet: $ included
??Food, entertainment: $ 250
??Clothing, household expenses $ 250
??Credit cards and other loans: $?300
??Other expenses: $ 200
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
493803
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:
| $6,900.00 |
Prosper Rating:
| A |
Listing Duration:
| 14 days
|
| |
Estimated loss*:
| 3.50% | | |
|
Term:
| 36 months | | | | |
|
|
Lender yield:
| 8.55% |
Borrower rate/APR:
| 9.55% / 11.65% |
Monthly payment:
| $221.19 |
| |
|
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:
| Feb-2002 |
Debt/Income ratio:
| 10% |
|
Credit score:
| 780-799 (Feb-2011) |
Inquiries last 6m:
| 0 | Employment status: | Employed |
|
Now delinquent:
| 0 |
Current / open credit lines:
| 3
/
3 | Length of status: | 0y 7m |
|
Amount delinquent:
| $0 |
Total credit lines:
| 11 |
Occupation: | Construction |
|
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $6,963 | Stated income: | $50,000-$74,999 |
|
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 51% | | |
| | |
Homeownership:
| Yes | | |
|
Screen name:
| cash-starter0 |
Borrower's state:
| Washington |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Description
Grace to you
Purpose of loan:
To pay off our credit card debt. We have successfullly not used our credit card for over two years now.? We want to continue to get out of debt with a reasonable interest rate.? For the past year, we have paid monthly, on schedule, and up to $450.00 a month.? This rate is very doable for us.
My financial situation:
I have steady income that has sustained $400 payments monthly to a credit card, and we have managed to not dig ourselves further into debt by staying away from credit card use?for over the past?two years.
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
493821
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
|
| |
Estimated loss*:
| 1.55% | | |
|
Term:
| 36 months | | | | |
|
|
Lender yield:
| 5.55% |
Borrower rate/APR:
| 6.55% / 6.89% |
Monthly payment:
| $153.36 |
| |
|
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:
| Aug-2000 |
Debt/Income ratio:
| 11% |
|
Credit score:
| 720-739 (Feb-2011) |
Inquiries last 6m:
| 0 | Employment status: | Employed |
|
Now delinquent:
| 0 |
Current / open credit lines:
| 6
/
4 | Length of status: | 0y 5m |
|
Amount delinquent:
| $0 |
Total credit lines:
| 14 |
Occupation: | Professional |
|
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $3,414 | Stated income: | $25,000-$49,999 |
|
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 21% | | |
| | |
Homeownership:
| No | | |
|
Screen name:
| nickel-starfish7 |
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
Time To Get Out Of Debt
Purpose of loan: Debt Consolidation
This loan will be used to?Get out of credit card debt. I've been making good headway so far by cutting back my expenses but I need a little more help paying off this last credit card. I have good credit and I didn't want to deal with more credit card applications to do a balance transfer so that's why I came to Prosper.
My financial situation: I currently live with my mom and I give her anywhere from 150 - 250 a month for bills. My fixed expenses are so
Money for mom: 150-250Dental Insurance: 27Car Insurance: 96 (I pay 8 times a year; 4 payments for 4 months at a time)Phone 20: (it's prepaid)Mobile Internet: 40Student Loan: 108
I am a good candidate for this loan because?I have good credit, I pay back my bills, I work hard and I always take on extra income whenever I can through computer repair work. I also keep my variable expenses low by taking my lunch to work, cutting down eating out and use my credit minimally.
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
493883
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
|
Amount:
| $7,500.00 |
Prosper Rating:
| E |
Listing Duration:
| 14 days
|
| |
Estimated loss*:
| 14.70% | | |
|
Term:
| 36 months | | | | |
|
|
Lender yield:
| 30.99% |
Borrower rate/APR:
| 31.99% / 35.64% |
Monthly payment:
| $326.62 |
| |
|
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:
| Jan-1985 |
Debt/Income ratio:
| 6% |
|
Credit score:
| 680-699 (Feb-2011) |
Inquiries last 6m:
| 2 | Employment status: | Employed |
|
Now delinquent:
| 1 |
Current / open credit lines:
| 0
/
0 | Length of status: | 4y 3m |
|
Amount delinquent:
| $0 |
Total credit lines:
| 23 |
Occupation: | Clergy |
|
Public records last 12m / 10y:
| 0/ 1 |
Revolving credit balance:
| $0 | Stated income: | $100,000+ |
|
Delinquencies in last 7y:
| 31 |
Bankcard utilization:
| 0% | | |
| | |
Homeownership:
| No | | |
|
Screen name:
| dedication-fort9 |
Borrower's state:
| California |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Description
Personalpastor
Purpose of loan:
This loan will be used to take care of all the legal work for the creation of my new ministry Drug Free Kids,? including 501c3, licenses, and set up
costs for this non-profit.
My financial situation:
I am a good candidate for this loan because I have always been a good credit risk except during my divorce. My current income is greater than
my expenses.
Monthly net income: $ 96,000.00
Monthly expenses: $
??Housing: $
1150.00
??Insurance: $
50.00
??Car expenses: $
200.00
??Utilities: $
120.00
??Phone, cable, internet: $
42.00
??Food, entertainment: $
800.00
??Clothing, household expenses $
100.00
??Credit cards and other loans: $320.00
??Other expenses: $
400.00
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
493776
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
|
Amount:
| $3,000.00 |
Prosper Rating:
| E |
Listing Duration:
| 14 days
|
| |
Estimated loss*:
| 14.70% | | |
|
Term:
| 36 months | | | | |
|
|
Lender yield:
| 30.99% |
Borrower rate/APR:
| 31.99% / 35.64% |
Monthly payment:
| $130.65 |
| |
|
Lender servicing fee:
| 1.00% |
Effective Yield*:
| 29.57% | | |
| |
Estimated return*:
| 14.87% | | |
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
|
Prosper score (1-10):
| 4 |
First credit line:
| Aug-1989 |
Debt/Income ratio:
| 30% |
|
Credit score:
| 700-719 (Feb-2011) |
Inquiries last 6m:
| 1 | Employment status: | Employed |
|
Now delinquent:
| 0 |
Current / open credit lines:
| 3
/
3 | Length of status: | 0y 0m |
|
Amount delinquent:
| $0 |
Total credit lines:
| 10 |
Occupation: | Sales - Commission |
|
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $4,532 | Stated income: | $1-$24,999 |
|
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 95% | | |
| | |
Homeownership:
| No | | |
|
Screen name:
| tender-exchange8 |
Borrower's state:
| Utah |
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
Employed! Need to Balance Debts
Purpose of loan:
This loan will be used to? balance debt due to long unemployment.
My financial situation:
I am a good candidate for this loan because? I am presently employed, producing well in my position.
After a long unemployment, I returned to university for an advanced degree and I am working part time Fall and Winter and I shall work full time
this Summer.
Monthly net income: $ 1580
Monthly expenses: $ 920
??Housing: $ 600
??Insurance: $ 0
??Car expenses: $ 20
??Utilities: $?inlcuded
??Phone, cable, internet: $?150
??Food, entertainment: $ 50
??Clothing, household expenses $ 0
??Credit cards and other loans: $ 100
??Other expenses: $
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
493780
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:
| D |
Listing Duration:
| 14 days
|
| |
Estimated loss*:
| 10.80% | | |
|
Term:
| 36 months | | | | |
|
|
Lender yield:
| 25.99% |
Borrower rate/APR:
| 26.99% / 30.53% |
Monthly payment:
| $122.46 |
| |
|
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-1993 |
Debt/Income ratio:
| 4% |
|
Credit score:
| 740-759 (Feb-2011) |
Inquiries last 6m:
| 0 | Employment status: | Employed |
|
Now delinquent:
| 0 |
Current / open credit lines:
| 2
/
2 | Length of status: | 1y 5m |
|
Amount delinquent:
| $0 |
Total credit lines:
| 4 |
Occupation: | Skilled Labor |
|
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $0 | Stated income: | $25,000-$49,999 |
|
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 0% | | |
| | |
Homeownership:
| No | | |
|
Screen name:
| doughnut327 |
Borrower's state:
| Alabama |
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
sheilagreen1.sg
Purpose of loan:
This loan will be used to? put a new engine in a 1997 gmc silverado
My financial situation:
I am a good candidate for this loan because? I have no additional debt home is paid off as is car
Monthly net income: $ 3149.
Monthly expenses: $
??Housing: $ 0
??Insurance: $?36.00
??Car expenses: $ 0
??Utilities: $125.00
??Phone, cable, internet: $ 75.00????
??Food, entertainment: $?400.????
??Clothing, household expenses $100?????
??Credit cards and other loans: $ 0
??Other expenses: $ 0
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
493794
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
|
Amount:
| $2,000.00 |
Prosper Rating:
| E |
Listing Duration:
| 14 days
|
| |
Estimated loss*:
| 14.70% | | |
|
Term:
| 36 months | | | | |
|
|
Lender yield:
| 30.99% |
Borrower rate/APR:
| 31.99% / 35.64% |
Monthly payment:
| $87.10 |
| |
|
Lender servicing fee:
| 1.00% |
Effective Yield*:
| 29.57% | | |
| |
Estimated return*:
| 14.87% | | |
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
|
Prosper score (1-10):
| 4 |
First credit line:
| Sep-2006 |
Debt/Income ratio:
| Self-employed (DTI Not Calculated) |
|
Credit score:
| 700-719 (Feb-2011) |
Inquiries last 6m:
| 2 | Employment status: | Self-employed |
|
Now delinquent:
| 0 |
Current / open credit lines:
| 9
/
9 | Length of status: | 2y 6m |
|
Amount delinquent:
| $0 |
Total credit lines:
| 13 |
Occupation: | Other |
|
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $1,384 | Stated income: | $1-$24,999 |
|
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 8% | | |
| | |
Homeownership:
| No | | |
|
Screen name:
| upright-interest7 |
Borrower's state:
| Kentucky |
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
Money needed for medical procedure
Purpose of loan:
This loan will be used to? I am having a medical procedure NEXT MONTH! I am $2,000 short currently.
My financial situation:
I am a good candidate for this loan because? I currently have no other expenses. I am a graduate student living at home with parents. I currently make ~$1,000 a month as an ABA instructor and with a regular babysitting job. All money made will go towards paying back this loan.
Monthly net income: $ 1,000
Monthly expenses: $
??Housing: $ 0
??Insurance: $ 0
??Car expenses: $ 0
??Utilities: $ 0
??Phone, cable, internet: $ 0
??Food, entertainment: $?0
??Clothing, household expenses $ 0
??Credit cards and other loans: $ 0
??Other expenses: $
Information in the Description is not verified.