Listing Report:Supplement No. 2 dated Feb 17, 2011 to Prospectus dated Feb 16, 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 Feb 16, 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 Feb 16, 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
488563
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
|
Amount:
| $3,500.00 |
Prosper Rating:
| AA |
Listing Duration:
| 14 days
|
|
Minimum Amount to Fund:
| $2,450 |
Estimated loss*:
| 1.30% | | |
|
Term:
| 12 months | | | | |
|
|
Lender yield:
| 3.99% |
Borrower rate/APR:
| 4.99% / 5.93% |
Monthly payment:
| $299.61 |
| |
|
Lender servicing fee:
| 1.00% |
Effective Yield*:
| 4.00% | | |
| |
Estimated return*:
| 2.70% | | |
* 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:
| Dec-1988 |
Debt/Income ratio:
| 19% |
|
Credit score:
| 760-779 (Feb-2011) |
Inquiries last 6m:
| 0 | Employment status: | Employed |
|
Now delinquent:
| 0 |
Current / open credit lines:
| 13
/
13 | Length of status: | 18y 9m |
|
Amount delinquent:
| $0 |
Total credit lines:
| 22 |
Occupation: | Other |
|
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $20,668 | Stated income: | $25,000-$49,999 |
|
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 31% | | |
| | |
Homeownership:
| Yes | | |
|
Screen name:
| dt_one |
Borrower's state:
| Minnesota |
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:
| 23 ( 100% )
| 760-779 (Latest)
|
|
Principal borrowed:
| $2,500.00 | < 31 days late:
| 0
( 0% )
| 800-819
(Feb-2007)
|
|
Principal balance:
| $0.00 |
31+ days late:
| 0
( 0% )
|
|
Total payments billed:
| 23 | | |
Description
Pay car repairs
Purpose of loan:
This loan will be used to...
Pay off recent repair work on my car
My financial situation:
I am a good candidate for this loan because...
I have had one loan from prosper before. Never a late payment! AA rating.
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
488785
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
|
Amount:
| $4,000.00 |
Prosper Rating:
| D |
Listing Duration:
| 14 days
|
|
Minimum Amount to Fund:
| $2,800 |
Estimated loss*:
| 9.80% | | |
|
Term:
| 36 months | | | | |
|
|
Lender yield:
| 20.99% |
Borrower rate/APR:
| 21.99% / 25.42% |
Monthly payment:
| $152.74 |
| |
|
Lender servicing fee:
| 1.00% |
Effective Yield*:
| 20.48% | | |
| |
Estimated return*:
| 10.68% | | |
* 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:
| Nov-2002 |
Debt/Income ratio:
| 67% |
|
Credit score:
| 720-739 (Jan-2011) |
Inquiries last 6m:
| 1 | Employment status: | Employed |
|
Now delinquent:
| 0 |
Current / open credit lines:
| 14
/
14 | Length of status: | 9y 3m |
|
Amount delinquent:
| $0 |
Total credit lines:
| 16 |
Occupation: | Food Service |
|
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $6,174 | Stated income: | $1-$24,999 |
|
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 16% | | |
| | |
Homeownership:
| No | | |
|
Screen name:
| sympathetic-silver9 |
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 / 1 |
On-time:
| 9 ( 100% )
| 720-739 (Latest)
|
|
Principal borrowed:
| $4,000.00 | < 31 days late:
| 0
( 0% )
| 740-759
(Nov-2010)
720-739
(Apr-2010)
|
|
Principal balance:
| $2,912.56 |
31+ days late:
| 0
( 0% )
|
|
Total payments billed:
| 9 | | |
Description
My loan for debt consolidation
Purpose of loan:
This loan will be used for my honeymoon, I want to make a special time to my future wife
My financial situation:
I am a good candidate for this loan?because I have a stable work and I?don't?want?to use my credit card because de rite is to high
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
488937
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:
| $6,500.00 |
Prosper Rating:
| B |
Listing Duration:
| 14 days
|
|
Minimum Amount to Fund:
| $4,550 |
Estimated loss*:
| 5.95% | | |
|
Term:
| 36 months | | | | |
|
|
Lender yield:
| 12.99% |
Borrower rate/APR:
| 13.99% / 16.15% |
Monthly payment:
| $222.12 |
| |
|
Lender servicing fee:
| 1.00% |
Effective Yield*:
| 12.77% | | |
| |
Estimated return*:
| 6.82% | | |
* 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-1982 |
Debt/Income ratio:
| Not calculated |
|
Credit score:
| 740-759 (Feb-2011) |
Inquiries last 6m:
| 0 | Employment status: | Employed |
|
Now delinquent:
| 0 |
Current / open credit lines:
| 10
/
9 | Length of status: | 11y 3m |
|
Amount delinquent:
| $0 |
Total credit lines:
| 43 |
Occupation: | Sales - Commission |
|
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $29,872 | Stated income: | $75,000-$99,999 |
|
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 41% | | |
| | |
Homeownership:
| No | | |
|
Screen name:
| suave-dedication6 |
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
My personal loan for my business
No description was provided by the borrower.
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
492215
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*:
| 5.95% | | |
|
Term:
| 36 months | | | | |
|
|
Lender yield:
| 12.99% |
Borrower rate/APR:
| 13.99% / 16.15% |
Monthly payment:
| $68.35 |
| |
|
Lender servicing fee:
| 1.00% |
Effective Yield*:
| 12.77% | | |
| |
Estimated return*:
| 6.82% | | |
* 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:
| Jul-1997 |
Debt/Income ratio:
| Not calculated |
|
Credit score:
| 760-779 (Jan-2011) |
Inquiries last 6m:
| 0 | Employment status: | Employed |
|
Now delinquent:
| 2 |
Current / open credit lines:
| 9
/
9 | Length of status: | 7y 4m |
|
Amount delinquent:
| $6,404 |
Total credit lines:
| 30 |
Occupation: | Other |
|
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $1,113 | Stated income: | $25,000-$49,999 |
|
Delinquencies in last 7y:
| 6 |
Bankcard utilization:
| 28% | | |
| | |
Homeownership:
| No | | |
|
Screen name:
| kindness-statue |
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
My personal loan
No description was provided by the borrower.
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
492653
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:
| $6,500.00 |
Prosper Rating:
| C |
Listing Duration:
| 14 days
|
|
Minimum Amount to Fund:
| $4,550 |
Estimated loss*:
| 7.70% | | |
|
Term:
| 36 months | | | | |
|
|
Lender yield:
| 15.99% |
Borrower rate/APR:
| 16.99% / 20.32% |
Monthly payment:
| $231.71 |
| |
|
Lender servicing fee:
| 1.00% |
Effective Yield*:
| 15.63% | | |
| |
Estimated return*:
| 7.93% | | |
* 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:
| Apr-2000 |
Debt/Income ratio:
| 21% |
|
Credit score:
| 720-739 (Feb-2011) |
Inquiries last 6m:
| 0 | Employment status: | Employed |
|
Now delinquent:
| 0 |
Current / open credit lines:
| 4
/
4 | Length of status: | 0y 6m |
|
Amount delinquent:
| $0 |
Total credit lines:
| 19 |
Occupation: | Other |
|
Public records last 12m / 10y:
| 0/ 1 |
Revolving credit balance:
| $3,460 | Stated income: | $1-$24,999 |
|
Delinquencies in last 7y:
| 7 |
Bankcard utilization:
| 55% | | |
| | |
Homeownership:
| No | | |
|
Screen name:
| elvisdechico |
Borrower's state:
| Minnesota |
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:
| 10 ( 100% )
| 720-739 (Latest)
|
|
Principal borrowed:
| $5,000.00 | < 31 days late:
| 0
( 0% )
| 680-699
(Mar-2008)
|
|
Principal balance:
| $0.00 |
31+ days late:
| 0
( 0% )
|
|
Total payments billed:
| 10 | | |
Description
Paid off last loan. Back again! :)
I used Prosper to consolidate and completely pay off my credit card debt, back in 2008. It was so helpful to my finances that I was actually able to pay off my Prosper loan early, with no penalties, no late payments, and not one bit of hassle.
I'm now back to do the very same thing!
Monthly net income: $1500
Housing: $377
Insurance: n/a!
Car expenses: n/a!
Utilities: $20
Phone, cable, internet: $30
Food, entertainment: $200
Medical expense balance: $2000
Credit cards balance: $3500!
Those last two are what I would like to take care of. The first is what's left, as a result of having had surgery to remove an osteoma from inside my ear canal (which was affecting my profession).
The credit card balance is a result of being seasonally unemployed. I will be making steady income, once summer starts.
Again, I'd like to reiterate that I've done this before and it went incredibly well for everyone! :)
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
493285
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
|
Amount:
| $2,000.00 |
Prosper Rating:
| D |
Listing Duration:
| 14 days
|
|
Minimum Amount to Fund:
| $2,000 |
Estimated loss*:
| 10.80% | | |
|
Term:
| 36 months | | | | |
|
|
Lender yield:
| 24.99% |
Borrower rate/APR:
| 25.99% / 29.51% |
Monthly payment:
| $80.57 |
| |
|
Lender servicing fee:
| 1.00% |
Effective Yield*:
| 24.37% | | |
| |
Estimated return*:
| 13.57% | | |
* 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-1997 |
Debt/Income ratio:
| 18% |
|
Credit score:
| 640-659 (Feb-2011) |
Inquiries last 6m:
| 1 | Employment status: | Employed |
|
Now delinquent:
| 0 |
Current / open credit lines:
| 10
/
9 | Length of status: | 13y 8m |
|
Amount delinquent:
| $0 |
Total credit lines:
| 23 |
Occupation: | Retail Management |
|
Public records last 12m / 10y:
| 0/ 1 |
Revolving credit balance:
| $10,425 | Stated income: | $25,000-$49,999 |
|
Delinquencies in last 7y:
| 8 |
Bankcard utilization:
| 71% | | |
| | |
Homeownership:
| Yes | | |
|
Screen name:
| proud-market0 |
Borrower's state:
| Arizona |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Description
My personal loan
Purpose of loan:
This loan will be used to?
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
493397
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:
| AA |
Listing Duration:
| 14 days
|
|
Minimum Amount to Fund:
| $4,900 |
Estimated loss*:
| 1.55% | | |
|
Term:
| 36 months | | | | |
|
|
Lender yield:
| 5.55% |
Borrower rate/APR:
| 6.55% / 6.89% |
Monthly payment:
| $214.70 |
| |
|
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:
| Jul-1986 |
Debt/Income ratio:
| 6% |
|
Credit score:
| 720-739 (Feb-2011) |
Inquiries last 6m:
| 3 | Employment status: | Employed |
|
Now delinquent:
| 0 |
Current / open credit lines:
| 13
/
13 | Length of status: | 13y 11m |
|
Amount delinquent:
| $0 |
Total credit lines:
| 46 |
Occupation: | Doctor |
|
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $178,608 | Stated income: | $100,000+ |
|
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 66% | | |
| | |
Homeownership:
| Yes | | |
|
Screen name:
| green-rapid-commerce |
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
Dr JJ.
Purpose of loan:
This loan will be used to consolidate credit card debt.
My financial situation:
I am a good candidate for this loan because I am employed full time as a doctor for the GA Department of Behavioral health and I also work in a private practice doing disability evaluations for the GA Department of Disabilities services.
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
493959
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:
| A |
Listing Duration:
| 14 days
|
|
Minimum Amount to Fund:
| $3,500 |
Estimated loss*:
| 3.25% | | |
|
Term:
| 12 months | | | | |
|
|
Lender yield:
| 6.49% |
Borrower rate/APR:
| 7.49% / 13.25% |
Monthly payment:
| $433.76 |
| |
|
Lender servicing fee:
| 1.00% |
Effective Yield*:
| 6.48% | | |
| |
Estimated return*:
| 3.23% | | |
* 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:
| Jul-2000 |
Debt/Income ratio:
| 18% |
|
Credit score:
| 740-759 (Feb-2011) |
Inquiries last 6m:
| 0 | Employment status: | Employed |
|
Now delinquent:
| 0 |
Current / open credit lines:
| 17
/
13 | Length of status: | 1y 8m |
|
Amount delinquent:
| $0 |
Total credit lines:
| 32 |
Occupation: | Analyst |
|
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $2,614 | Stated income: | $75,000-$99,999 |
|
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 12% | | |
| | |
Homeownership:
| No | | |
|
Screen name:
| Shani |
Borrower's state:
| NewYork |
Borrower's group:
| Have Money - Will Bid |
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
| Loan history | Payment history | Credit score history |
|
Active / total loans:
| 0 / 1 |
On-time:
| 35 ( 100% )
| 740-759 (Latest)
|
|
Principal borrowed:
| $4,500.00 | < 31 days late:
| 0
( 0% )
| 700-719
(Mar-2010)
680-699
(Aug-2009)
580-599
(Jul-2006)
580-599
(Jun-2006)
|
|
Principal balance:
| $0.00 |
31+ days late:
| 0
( 0% )
|
|
Total payments billed:
| 35 | | |
Description
Cash required for business
Purpose of loan:
This loan will be used to invest in a whole sale goods business that my best friend runs.
My financial situation:
I am a good candidate for this loan because I have great credit and always pay my bills on time. I plan on paying back the full amount within a year.
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
494209
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:
| AA |
Listing Duration:
| 14 days
|
|
Minimum Amount to Fund:
| $7,000 |
Estimated loss*:
| 1.55% | | |
|
Term:
| 36 months | | | | |
|
|
Lender yield:
| 5.55% |
Borrower rate/APR:
| 6.55% / 6.89% |
Monthly payment:
| $306.72 |
| |
|
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:
| Jul-1989 |
Debt/Income ratio:
| 18% |
|
Credit score:
| 780-799 (Feb-2011) |
Inquiries last 6m:
| 0 | Employment status: | Employed |
|
Now delinquent:
| 0 |
Current / open credit lines:
| 6
/
6 | Length of status: | 1y 2m |
|
Amount delinquent:
| $0 |
Total credit lines:
| 39 |
Occupation: | Other |
|
Public records last 12m / 10y:
| 0/ 1 |
Revolving credit balance:
| $761 | Stated income: | $25,000-$49,999 |
|
Delinquencies in last 7y:
| 1 |
Bankcard utilization:
| 2% | | |
| | |
Homeownership:
| No | | |
|
Screen name:
| quantum_leap |
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 back family...need your help
This loan will be used to pay back a family member who loaned me money to pay off my credit card debt. I've paid back 1/2 of my loan to them, but they have fallen on hard times recently & it would help them if I could repay the remaining amount now!
I am a good candidate for this loan because I have a well paying job with a steady employer. I am very careful with debt now & the only debt I carry is a student loan that has always been paid on time.
I will have no problems handling the stated monthly payment:
Monthly Take Home: $2700
Monthly Expenses:
Rent: $750
Electric/Water/Trash: $150
Cell/Cable/Internet: $175
Groceries: $250
Gasoline: $200
Student Loan: $300
Auto/Renters Insurance: $125
Misc Expenses: $150
Available for loan payback: $600
This will be my first time borrowing through Prosper, and after repaying this loan, I hope to become a lender as well!
I appreciate your consideration in funding this loan!
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
494227
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
|
Amount:
| $3,500.00 |
Prosper Rating:
| A |
Listing Duration:
| 14 days
|
|
Minimum Amount to Fund:
| $2,450 |
Estimated loss*:
| 3.50% | | |
|
Term:
| 12 months | | | | |
|
|
Lender yield:
| 7.20% |
Borrower rate/APR:
| 8.20% / 13.97% |
Monthly payment:
| $304.78 |
| |
|
Lender servicing fee:
| 1.00% |
Effective Yield*:
| 7.19% | | |
| |
Estimated return*:
| 3.69% | | |
* 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:
| Nov-1995 |
Debt/Income ratio:
| 17% |
|
Credit score:
| 800-819 (Feb-2011) |
Inquiries last 6m:
| 2 | Employment status: | Employed |
|
Now delinquent:
| 0 |
Current / open credit lines:
| 20
/
18 | Length of status: | 2y 5m |
|
Amount delinquent:
| $0 |
Total credit lines:
| 28 |
Occupation: | Computer Programmer |
|
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $1,085 | Stated income: | $50,000-$74,999 |
|
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 1% | | |
| | |
Homeownership:
| Yes | | |
|
Screen name:
| credit-crescent9 |
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
Quick turnaround loan
Purpose of loan:
Short term loan to fix a leaking roof
My financial situation: Excellent
Looking to try Prosper as opposed to a traditional bank
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
494263
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:
| 24.99% |
Borrower rate/APR:
| 25.99% / 29.51% |
Monthly payment:
| $302.14 |
| |
|
Lender servicing fee:
| 1.00% |
Effective Yield*:
| 24.37% | | |
| |
Estimated return*:
| 13.57% | | |
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
|
Prosper score (1-10):
| 8 |
First credit line:
| Jan-1996 |
Debt/Income ratio:
| 15% |
|
Credit score:
| 640-659 (Feb-2011) |
Inquiries last 6m:
| 1 | Employment status: | Employed |
|
Now delinquent:
| 0 |
Current / open credit lines:
| 5
/
3 | Length of status: | 4y 6m |
|
Amount delinquent:
| $0 |
Total credit lines:
| 43 |
Occupation: | Computer Programmer |
|
Public records last 12m / 10y:
| 0/ 1 |
Revolving credit balance:
| $204 | Stated income: | $75,000-$99,999 |
|
Delinquencies in last 7y:
| 11 |
Bankcard utilization:
| 11% | | |
| | |
Homeownership:
| No | | |
|
Screen name:
| palm19 |
Borrower's state:
| Maryland |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Description
Dental loan
Purpose of loan: Dental loan
This loan will be used to...
For dental implants.
My financial situation:
I am a good candidate for this loan because...
Good steady income, low debt to income ratio, pay credit cards off monthy, and no late payments.
Monthly net income: $ 4734.00
Monthly expenses: $ 100.00
Housing: $ 1565.00
Insurance: $ 200.00
Car expenses: $ 575.00
Utilities: $ Included in rent
Phone, cable, internet: $ 130.00
Food, entertainment: $ 100.00
Clothing, household expenses: $ 50.00
Credit cards and other loans: $ 0 - 200
Other expenses: $
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
494267
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:
| AA |
Listing Duration:
| 14 days
|
|
Minimum Amount to Fund:
| $7,000 |
Estimated loss*:
| 1.55% | | |
|
Term:
| 36 months | | | | |
|
|
Lender yield:
| 5.55% |
Borrower rate/APR:
| 6.55% / 6.89% |
Monthly payment:
| $306.72 |
| |
|
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:
| Mar-2001 |
Debt/Income ratio:
| 7% |
|
Credit score:
| 800-819 (Feb-2011) |
Inquiries last 6m:
| 1 | Employment status: | Employed |
|
Now delinquent:
| 0 |
Current / open credit lines:
| 9
/
9 | Length of status: | 4y 10m |
|
Amount delinquent:
| $0 |
Total credit lines:
| 19 |
Occupation: | Computer Programmer |
|
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $554 | Stated income: | $75,000-$99,999 |
|
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 2% | | |
| | |
Homeownership:
| Yes | | |
|
Screen name:
| Trivsys |
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
Get cash balance in emergency fund
Purpose of loan:
This loan will be used to build my emergency fund.
My financial situation:
I am a good candidate for this loan because I have almost no outstanding loans other than credit card and one 0% finance loan (for furniture). Both of them I am paying on time and fully (credit cards I pay off every month and make min. payment on the 0% finance loan as I don't want to pay it off early and it is very small amount).
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
494277
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:
| 4% |
|
Credit score:
| 820-839 (Feb-2011) |
Inquiries last 6m:
| 0 | Employment status: | Employed |
|
Now delinquent:
| 0 |
Current / open credit lines:
| 3
/
3 | Length of status: | 6y 4m |
|
Amount delinquent:
| $0 |
Total credit lines:
| 12 |
Occupation: | Computer Programmer |
|
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $800 | Stated income: | $100,000+ |
|
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 3% | | |
| | |
Homeownership:
| No | | |
|
Screen name:
| DHolly |
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
Reinvest in Prosper
Purpose of loan:
This loan will be used to re-invest in prosper loans. I have been investing in Prosper for several years with moderate success and have decided to try-out the borrowing side of prosper and simply invest the proceeds in higher interest loans. This is really just an experiment.
My financial situation:
I am a good candidate for this loan because I have no debt. Any debt shown is just revolving CC debt. I pay the balance each month. I have a condo that is paid in full and rental property that is also paid in full. I have no mortgage debt, no car payment. (Im cheap)
Income: 7000/mo (net)
Cr Card: 1000 (includes food)
Condo fee: 335/mo
Gas: 100/mo
Phone/internet 60/mo
Cable TV: (none)
Cell phone: (paid by employer)
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
494279
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:
| B |
Listing Duration:
| 14 days
|
|
Minimum Amount to Fund:
| $3,500 |
Estimated loss*:
| 5.95% | | |
|
Term:
| 36 months | | | | |
|
|
Lender yield:
| 12.99% |
Borrower rate/APR:
| 13.99% / 16.15% |
Monthly payment:
| $170.86 |
| |
|
Lender servicing fee:
| 1.00% |
Effective Yield*:
| 12.77% | | |
| |
Estimated return*:
| 6.82% | | |
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
|
Prosper score (1-10):
| 8 |
First credit line:
| Aug-2001 |
Debt/Income ratio:
| 27% |
|
Credit score:
| 740-759 (Feb-2011) |
Inquiries last 6m:
| 1 | Employment status: | Employed |
|
Now delinquent:
| 0 |
Current / open credit lines:
| 9
/
8 | Length of status: | 4y 10m |
|
Amount delinquent:
| $0 |
Total credit lines:
| 15 |
Occupation: | Other |
|
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $5,119 | Stated income: | $25,000-$49,999 |
|
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 26% | | |
| | |
Homeownership:
| No | | |
|
Screen name:
| carbonworkshop |
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
Help starting to save for Wedding
I am the CTO for a small transportation systems start-up in Berkeley, CA. We recently secured a $2.5M contract with a local transit agency. I also freelance on interactive sculptures and public art.
Six years ago, my then-girlfriend (now fianc?e) and I started a design studio in Oakland equipped to build furniture & sculptures. For the most part we teach folks how to use tools, and use the shop ourselves for competitions. We have won several art grants there, as have friends.
Setting up the shop, along with a client who was unable to pay left me with $10K riding on credit cards, and no savings for our wedding. I'd like to consolidate debts, repair broken tools, and get the shot in the arm needed to move towards having a wedding some time within the next year.
Monthly net income: $3,300 (Increases mid-2011)
Monthly expenses: ~$2605
Rent: $750 (Roommate of six years: my fianc?e)
Carshare, Train: $120
Phone, Utils: $260
Food + Misc.: $475
CC & Loans: ~$1000
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
494283
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:
| AA |
Listing Duration:
| 14 days
|
|
Minimum Amount to Fund:
| $5,250 |
Estimated loss*:
| 1.55% | | |
|
Term:
| 36 months | | | | |
|
|
Lender yield:
| 5.55% |
Borrower rate/APR:
| 6.55% / 6.89% |
Monthly payment:
| $230.04 |
| |
|
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:
| Oct-1984 |
Debt/Income ratio:
| 3% |
|
Credit score:
| 860-879 (Feb-2011) |
Inquiries last 6m:
| 0 | Employment status: | Employed |
|
Now delinquent:
| 0 |
Current / open credit lines:
| 3
/
3 | Length of status: | 0y 11m |
|
Amount delinquent:
| $0 |
Total credit lines:
| 26 |
Occupation: | Professional |
|
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $38,224 | Stated income: | $100,000+ |
|
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 5% | | |
| | |
Homeownership:
| Yes | | |
|
Screen name:
| credit-coach118 |
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
Re-invest in Prosper
Purpose of loan:
Re-Invest these proceeds into Prosper.
Financial situation:
I have no debt outside my principle residence. Also I have over $20K invested into prosper; the interest I am currently receiving will more than cover the minimum payment.
My current rate of return is between 14 and 15 percent accounting for bad debts. I will continue to invest earning the difference in the yield spread projected to be between 6 and 8 percent.
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
494293
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:
| A |
Listing Duration:
| 14 days
|
|
Minimum Amount to Fund:
| $3,500 |
Estimated loss*:
| 3.25% | | |
|
Term:
| 12 months | | | | |
|
|
Lender yield:
| 6.29% |
Borrower rate/APR:
| 7.29% / 13.05% |
Monthly payment:
| $433.30 |
| |
|
Lender servicing fee:
| 1.00% |
Effective Yield*:
| 6.28% | | |
| |
Estimated return*:
| 3.03% | | |
* 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-1975 |
Debt/Income ratio:
| 10% |
|
Credit score:
| 800-819 (Feb-2011) |
Inquiries last 6m:
| 1 | Employment status: | Employed |
|
Now delinquent:
| 0 |
Current / open credit lines:
| 6
/
5 | Length of status: | 13y 10m |
|
Amount delinquent:
| $0 |
Total credit lines:
| 20 |
Occupation: | Professional |
|
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $0 | Stated income: | $75,000-$99,999 |
|
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 0% | | |
| | |
Homeownership:
| No | | |
|
Screen name:
| Bob450 |
Borrower's state:
| Washington |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
| Loan history | Payment history | Credit score history |
|
Active / total loans:
| 1 / 1 |
On-time:
| 13 ( 100% )
| 800-819 (Latest)
|
|
Principal borrowed:
| $10,000.00 | < 31 days late:
| 0
( 0% )
| 820-839
(Dec-2009)
|
|
Principal balance:
| $6,676.78 |
31+ days late:
| 0
( 0% )
|
|
Total payments billed:
| 13 | | |
Description
Invest in Prosper
No description was provided by the borrower.
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
494299
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:
| 7.29% |
Borrower rate/APR:
| 8.29% / 10.38% |
Monthly payment:
| $314.70 |
| |
|
Lender servicing fee:
| 1.00% |
Effective Yield*:
| 7.28% | | |
| |
Estimated return*:
| 4.03% | | |
* 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:
| Jul-1998 |
Debt/Income ratio:
| 15% |
|
Credit score:
| 760-779 (Feb-2011) |
Inquiries last 6m:
| 1 | Employment status: | Employed |
|
Now delinquent:
| 0 |
Current / open credit lines:
| 14
/
14 | Length of status: | 8y 1m |
|
Amount delinquent:
| $0 |
Total credit lines:
| 24 |
Occupation: | Civil Service |
|
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $25,711 | Stated income: | $75,000-$99,999 |
|
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 36% | | |
| | |
Homeownership:
| Yes | | |
|
Screen name:
| roscopsoultrain |
Borrower's state:
| NorthCarolina |
Borrower's group:
| BuildingTree |
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
| Loan history | Payment history | Credit score history |
|
Active / total loans:
| 1 / 1 |
On-time:
| 9 ( 100% )
| 760-779 (Latest)
|
|
Principal borrowed:
| $7,000.00 | < 31 days late:
| 0
( 0% )
| 800-819
(Apr-2010)
740-759
(Jan-2008)
780-799
(Jan-2007)
|
|
Principal balance:
| $5,411.10 |
31+ days late:
| 0
( 0% )
|
|
Total payments billed:
| 9 | | |
Description
Consolidating some Debt!!
Purpose of loan:
This loan will be used to help consolidate some of my credit cards and get a lower interest rate. I'm also engaged and need some up front cash for all of the deposits that we have to put down.
My financial situation:
I am a good candidate for this loan because I have never had a late payment, I pay all my bills, I have great credit, own my own house, and drive an older model car. This will be my 2nd loan thru Prosper! What an amazing concept! Why didn't I think of this!?!? :-) Thanks to all of my potential sponsors!
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
494305
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
|
Amount:
| $3,500.00 |
Prosper Rating:
| 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:
| $299.61 |
| |
|
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:
| May-1996 |
Debt/Income ratio:
| 4% |
|
Credit score:
| 860-879 (Feb-2011) |
Inquiries last 6m:
| 0 | Employment status: | Employed |
|
Now delinquent:
| 0 |
Current / open credit lines:
| 5
/
5 | Length of status: | 8y 7m |
|
Amount delinquent:
| $0 |
Total credit lines:
| 16 |
Occupation: | Police Officer/Corr... |
|
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $0 | Stated income: | $100,000+ |
|
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 0% | | |
| | |
Homeownership:
| Yes | | |
|
Screen name:
| repaymeplease |
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
small personal loan
Purpose of loan:
This loan will be used to...
My financial situation:
I am a good candidate for this loan because...I can easily repay this loan. I am never late on any payments and take my credit very seriously.
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
494311
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
|
|
Minimum Amount to Fund:
| $2,100 |
Estimated loss*:
| 10.80% | | |
|
Term:
| 36 months | | | | |
|
|
Lender yield:
| 24.99% |
Borrower rate/APR:
| 25.99% / 29.51% |
Monthly payment:
| $120.86 |
| |
|
Lender servicing fee:
| 1.00% |
Effective Yield*:
| 24.37% | | |
| |
Estimated return*:
| 13.57% | | |
* 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-1996 |
Debt/Income ratio:
| 34% |
|
Credit score:
| 740-759 (Feb-2011) |
Inquiries last 6m:
| 0 | Employment status: | Employed |
|
Now delinquent:
| 0 |
Current / open credit lines:
| 11
/
11 | Length of status: | 8y 9m |
|
Amount delinquent:
| $0 |
Total credit lines:
| 23 |
Occupation: | Sales - Commission |
|
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $18,594 | Stated income: | $50,000-$74,999 |
|
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 45% | | |
| | |
Homeownership:
| Yes | | |
|
Screen name:
| brightest-goodhearted-principal |
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
MS LOAN
Purpose of loan: Home improvements
This loan will be used to...renovate home
My financial situation: reliable.
I am a good candidate for this loan because...i'm known for paying ALL bills on time. I'm never late with any payments.
Monthly net income: $3600
Monthly expenses: $
Housing: $1,035
Insurance: $100.00
Car expenses: $650.
Utilities: $350.
Phone, cable, internet: $185.
Food, entertainment: $400.
Clothing, household expenses:
Credit cards and other loans: $500.00
Other expenses: $
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
494325
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:
| Feb-1997 |
Debt/Income ratio:
| 12% |
|
Credit score:
| 740-759 (Feb-2011) |
Inquiries last 6m:
| 0 | Employment status: | Employed |
|
Now delinquent:
| 0 |
Current / open credit lines:
| 15
/
12 | Length of status: | 0y 11m |
|
Amount delinquent:
| $0 |
Total credit lines:
| 42 |
Occupation: | Accountant/CPA |
|
Public records last 12m / 10y:
| 0/ 1 |
Revolving credit balance:
| $29,426 | Stated income: | $100,000+ |
|
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 34% | | |
| | |
Homeownership:
| No | | |
|
Screen name:
| exec28 |
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
Pay down credit cards
Purpose of loan:
This loan will be used to.Pay down credit cards..
My financial situation:
I am a good candidate for this loan because...I have a good job and excellent credit.
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
494329
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
|
Amount:
| $3,500.00 |
Prosper Rating:
| E |
Listing Duration:
| 14 days
|
|
Minimum Amount to Fund:
| $2,450 |
Estimated loss*:
| 14.70% | | |
|
Term:
| 36 months | | | | |
|
|
Lender yield:
| 27.99% |
Borrower rate/APR:
| 28.99% / 32.58% |
Monthly payment:
| $146.65 |
| |
|
Lender servicing fee:
| 1.00% |
Effective Yield*:
| 26.71% | | |
| |
Estimated return*:
| 12.01% | | |
* 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-1977 |
Debt/Income ratio:
| 51% |
|
Credit score:
| 680-699 (Feb-2011) |
Inquiries last 6m:
| 0 | Employment status: | Employed |
|
Now delinquent:
| 0 |
Current / open credit lines:
| 5
/
5 | Length of status: | 3y 10m |
|
Amount delinquent:
| $0 |
Total credit lines:
| 15 |
Occupation: | Administrative Assi... |
|
Public records last 12m / 10y:
| 0/ 1 |
Revolving credit balance:
| $4,696 | Stated income: | $25,000-$49,999 |
|
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 97% | | |
| | |
Homeownership:
| No | | |
|
Screen name:
| Workingpositive |
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.
Prosper Activity
| Loan history | Payment history | Credit score history |
|
Active / total loans:
| 1 / 1 |
On-time:
| 33 ( 100% )
| 680-699 (Latest)
|
|
Principal borrowed:
| $6,000.00 | < 31 days late:
| 0
( 0% )
| 660-679
(Apr-2008)
|
|
Principal balance:
| $575.84 |
31+ days late:
| 0
( 0% )
|
|
Total payments billed:
| 33 | | |
Description
Starting a new business
Purpose of loan:
This loan will be used to...establish growth for a new small business
My financial situation:
I am a good candidate for this loan because...I am reliable and propose very low risk
Monthly net income: $2500.00
Monthly expenses: $1200.00
Housing: $
Insurance: $170.00
Car expenses: $295.00
Utilities: $250.00
Phone, cable, internet: $150.00
Food, entertainment: $
Clothing, household expenses: $
Credit cards and other loans: $195.00
Other expenses: $
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
494347
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:
| A |
Listing Duration:
| 14 days
|
|
Minimum Amount to Fund:
| $3,500 |
Estimated loss*:
| 3.50% | | |
|
Term:
| 36 months | | | | |
|
|
Lender yield:
| 7.90% |
Borrower rate/APR:
| 8.90% / 10.99% |
Monthly payment:
| $158.77 |
| |
|
Lender servicing fee:
| 1.00% |
Effective Yield*:
| 7.88% | | |
| |
Estimated return*:
| 4.38% | | |
* 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:
| Aug-2004 |
Debt/Income ratio:
| 18% |
|
Credit score:
| 740-759 (Feb-2011) |
Inquiries last 6m:
| 0 | Employment status: | Employed |
|
Now delinquent:
| 0 |
Current / open credit lines:
| 8
/
6 | Length of status: | 3y 4m |
|
Amount delinquent:
| $0 |
Total credit lines:
| 18 |
Occupation: | Analyst |
|
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $2,183 | Stated income: | $25,000-$49,999 |
|
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 27% | | |
| | |
Homeownership:
| No | | |
|
Screen name:
| dritter |
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
MBA Student - Debt consolidation
Purpose of loan: Payoff credit card/personal loan
This loan will be used to consolidate in one monthly payment two credit cards and a personal loan. I would only have this loan and will start paying my education loan during the first quarter of 2012.
My financial situation:
I am a good candidate for this loan because I manage my money wisely, don't overspend and I am very concious about my credit history.
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
494353
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:
| $3,600.00 |
Prosper Rating:
| A |
Listing Duration:
| 14 days
|
|
Minimum Amount to Fund:
| $2,520 |
Estimated loss*:
| 3.50% | | |
|
Term:
| 12 months | | | | |
|
|
Lender yield:
| 7.20% |
Borrower rate/APR:
| 8.20% / 13.97% |
Monthly payment:
| $313.49 |
| |
|
Lender servicing fee:
| 1.00% |
Effective Yield*:
| 7.19% | | |
| |
Estimated return*:
| 3.69% | | |
* 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:
| Jun-2000 |
Debt/Income ratio:
| 8% |
|
Credit score:
| 740-759 (Feb-2011) |
Inquiries last 6m:
| 4 | Employment status: | Employed |
|
Now delinquent:
| 0 |
Current / open credit lines:
| 18
/
13 | Length of status: | 2y 5m |
|
Amount delinquent:
| $0 |
Total credit lines:
| 39 |
Occupation: | Skilled Labor |
|
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $1,746 | Stated income: | $75,000-$99,999 |
|
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 1% | | |
| | |
Homeownership:
| No | | |
|
Screen name:
| shiny-asset1 |
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
capture the flag
Purpose of loan: prosper pays 2nd payment
This loan will be used to... manage cash
My financial situation: full time employed, 80k cash
I am a good candidate for this loan because... 80k cash
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
494391
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:
| 24.99% |
Borrower rate/APR:
| 25.99% / 29.51% |
Monthly payment:
| $282.00 |
| |
|
Lender servicing fee:
| 1.00% |
Effective Yield*:
| 24.37% | | |
| |
Estimated return*:
| 13.57% | | |
* 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-1981 |
Debt/Income ratio:
| 29% |
|
Credit score:
| 660-679 (Feb-2011) |
Inquiries last 6m:
| 0 | Employment status: | Employed |
|
Now delinquent:
| 0 |
Current / open credit lines:
| 20
/
20 | Length of status: | 14y 4m |
|
Amount delinquent:
| $0 |
Total credit lines:
| 30 |
Occupation: | Executive |
|
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $41,253 | Stated income: | $100,000+ |
|
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 69% | | |
| | |
Homeownership:
| Yes | | |
|
Screen name:
| red-principal-jaunt |
Borrower's state:
| Texas |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Description
TXVPFOR$
Purpose of loan:
This loan will be used to consolidate smaller loans and credit cards.
My financial situation:
I am a good candidate for this loan because I have long?term employment, homeowner, no delinquent credit and good income.?
Monthly net income: $ 7150Monthly expenses: $
??Housing: $ 1949
??Insurance: $ 104
??Car expenses: $ 1000
??Utilities: $?150
??Phone, cable, internet: $ 135
??Food, entertainment: $ 800
??Clothing, household expenses $
??Credit cards and other loans: $ 825
??Other expenses: $
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
494407
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:
| 12.99% |
Borrower rate/APR:
| 13.99% / 16.15% |
Monthly payment:
| $341.73 |
| |
|
Lender servicing fee:
| 1.00% |
Effective Yield*:
| 12.77% | | |
| |
Estimated return*:
| 6.82% | | |
* 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-1987 |
Debt/Income ratio:
| 65% |
|
Credit score:
| 760-779 (Feb-2011) |
Inquiries last 6m:
| 0 | Employment status: | Employed |
|
Now delinquent:
| 0 |
Current / open credit lines:
| 12
/
11 | Length of status: | 0y 2m |
|
Amount delinquent:
| $0 |
Total credit lines:
| 32 |
Occupation: | Truck Driver |
|
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $28,683 | Stated income: | $25,000-$49,999 |
|
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 27% | | |
| | |
Homeownership:
| Yes | | |
|
Screen name:
| reward-maker2 |
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
Home Remodeling
Purpose of loan:
This loan will be used to?
Remodel my Home.? It needs a new roof and some other small additions.
My financial situation:
I am a good candidate for this loan because?
I have never missed any loan or credit card payment.? This loan will improve the value of my home.? I pride myself on a great credit report and score and plan to continue that path.
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
494425
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
|
Amount:
| $4,000.00 |
Prosper Rating:
| HR |
Listing Duration:
| 14 days
|
|
Minimum Amount to Fund:
| $2,800 |
Estimated loss*:
| 18.30% | | |
|
Term:
| 36 months | | | | |
|
|
Lender yield:
| 30.99% |
Borrower rate/APR:
| 31.99% / 35.64% |
Monthly payment:
| $174.20 |
| |
|
Lender servicing fee:
| 1.00% |
Effective Yield*:
| 29.17% | | |
| |
Estimated return*:
| 10.87% | | |
* 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:
| Not calculated |
|
Credit score:
| 640-659 (Feb-2011) |
Inquiries last 6m:
| 0 | Employment status: | Employed |
|
Now delinquent:
| 0 |
Current / open credit lines:
| 4
/
4 | Length of status: | 10y 9m |
|
Amount delinquent:
| $0 |
Total credit lines:
| 4 |
Occupation: | Construction |
|
Public records last 12m / 10y:
| 0/ 2 |
Revolving credit balance:
| $4,170 | Stated income: | $25,000-$49,999 |
|
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 85% | | |
| | |
Homeownership:
| No | | |
|
Screen name:
| nourishing-finance3 |
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
jtconent
Purpose of loan:
This loan will be used to...
My financial situation:
I am a good candidate for this loan because...
Monthly net income: $3500.00
Monthly expenses: $2000.00
Housing: $845.00
Insurance: $60.00
Car expenses: $200.00
Utilities: $350.00
Phone, cable, internet: $40.00
Food, entertainment: $250.00
Clothing, household expenses: $50.00
Credit cards and other loans: $200.00
Other expenses: $
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
494429
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:
| $3,365.00 |
Prosper Rating:
| B |
Listing Duration:
| 14 days
|
|
Minimum Amount to Fund:
| $3,365 |
Estimated loss*:
| 5.95% | | |
|
Term:
| 12 months | | | | |
|
|
Lender yield:
| 11.99% |
Borrower rate/APR:
| 12.99% / 18.83% |
Monthly payment:
| $300.54 |
| |
|
Lender servicing fee:
| 1.00% |
Effective Yield*:
| 11.79% | | |
| |
Estimated return*:
| 5.84% | | |
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
|
Prosper score (1-10):
| 8 |
First credit line:
| Oct-1991 |
Debt/Income ratio:
| 11% |
|
Credit score:
| 780-799 (Feb-2011) |
Inquiries last 6m:
| 1 | Employment status: | Employed |
|
Now delinquent:
| 0 |
Current / open credit lines:
| 15
/
14 | Length of status: | 12y 1m |
|
Amount delinquent:
| $0 |
Total credit lines:
| 31 |
Occupation: | Executive |
|
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $47,866 | Stated income: | $100,000+ |
|
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 43% | | |
| | |
Homeownership:
| Yes | | |
|
Screen name:
| purposeful-balance2 |
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
Consolidate business debt
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
494433
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:
| $3,600.00 |
Prosper Rating:
| A |
Listing Duration:
| 14 days
|
|
Minimum Amount to Fund:
| $2,520 |
Estimated loss*:
| 3.50% | | |
|
Term:
| 12 months | | | | |
|
|
Lender yield:
| 7.20% |
Borrower rate/APR:
| 8.20% / 13.97% |
Monthly payment:
| $313.49 |
| |
|
Lender servicing fee:
| 1.00% |
Effective Yield*:
| 7.19% | | |
| |
Estimated return*:
| 3.69% | | |
* 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-1999 |
Debt/Income ratio:
| 6% |
|
Credit score:
| 800-819 (Feb-2011) |
Inquiries last 6m:
| 4 | Employment status: | Employed |
|
Now delinquent:
| 0 |
Current / open credit lines:
| 7
/
7 | Length of status: | 2y 8m |
|
Amount delinquent:
| $0 |
Total credit lines:
| 18 |
Occupation: | Professional |
|
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $2,527 | Stated income: | $75,000-$99,999 |
|
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 11% | | |
| | |
Homeownership:
| Yes | | |
|
Screen name:
| penny-bluebird8 |
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
Updating Rental Prop Kitchen
Purpose of loan:
This loan will be used to cover business expenses.
My financial situation:
Experian Credit Score over 800, annual income of $98k. Will have no problem making monthly payments.
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
494439
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
|
Amount:
| $3,500.00 |
Prosper Rating:
| AA |
Listing Duration:
| 14 days
|
|
Minimum Amount to Fund:
| $2,450 |
Estimated loss*:
| 1.55% | | |
|
Term:
| 12 months | | | | |
|
|
Lender yield:
| 3.99% |
Borrower rate/APR:
| 4.99% / 5.93% |
Monthly payment:
| $299.61 |
| |
|
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:
| Mar-1990 |
Debt/Income ratio:
| 4% |
|
Credit score:
| 840-859 (Feb-2011) |
Inquiries last 6m:
| 0 | Employment status: | Employed |
|
Now delinquent:
| 0 |
Current / open credit lines:
| 7
/
7 | Length of status: | 2y 2m |
|
Amount delinquent:
| $0 |
Total credit lines:
| 11 |
Occupation: | Analyst |
|
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $2,651 | Stated income: | $100,000+ |
|
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 8% | | |
| | |
Homeownership:
| Yes | | |
|
Screen name:
| birdie923 |
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
Need to replace HVAC
Purpose of loan:
This loan will be used to help fund HVAC repairs
My financial situation:
I am a good candidate for this loan because I have a good salary and a high credit rating.
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
494441
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:
| HR |
Listing Duration:
| 14 days
|
|
Minimum Amount to Fund:
| $2,000 |
Estimated loss*:
| 18.30% | | |
|
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*:
| 29.17% | | |
| |
Estimated return*:
| 10.87% | | |
* 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:
| Jun-2002 |
Debt/Income ratio:
| 46% |
|
Credit score:
| 640-659 (Feb-2011) |
Inquiries last 6m:
| 0 | Employment status: | Employed |
|
Now delinquent:
| 0 |
Current / open credit lines:
| 16
/
13 | Length of status: | 2y 1m |
|
Amount delinquent:
| $0 |
Total credit lines:
| 29 |
Occupation: | Other |
|
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $2,067 | Stated income: | $1-$24,999 |
|
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 79% | | |
| | |
Homeownership:
| No | | |
|
Screen name:
| repayment-collector |
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
DEBT CONSOLIDATION
Purpose of loan:
This loan will be used to...pay off a debt consolidation in order to make smaller monthly payments
My financial situation:
I am a good candidate for this loan because...
I pay my bills on time, I have started a new job with better pay
Monthly net income: $1300
Monthly expenses: $1000
Housing: $0
Insurance: $125
Car expenses: $349
Utilities: $0
Phone, cable, internet: $40
Food, entertainment: $50
Clothing, household expenses: $50
Credit cards and other loans: $0
Other expenses: $0
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
494447
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:
| $3,600.00 |
Prosper Rating:
| A |
Listing Duration:
| 14 days
|
|
Minimum Amount to Fund:
| $2,520 |
Estimated loss*:
| 3.50% | | |
|
Term:
| 12 months | | | | |
|
|
Lender yield:
| 7.20% |
Borrower rate/APR:
| 8.20% / 13.97% |
Monthly payment:
| $313.49 |
| |
|
Lender servicing fee:
| 1.00% |
Effective Yield*:
| 7.19% | | |
| |
Estimated return*:
| 3.69% | | |
* 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:
| Jul-2001 |
Debt/Income ratio:
| 3% |
|
Credit score:
| 760-779 (Feb-2011) |
Inquiries last 6m:
| 2 | Employment status: | Employed |
|
Now delinquent:
| 0 |
Current / open credit lines:
| 5
/
5 | Length of status: | 6y 7m |
|
Amount delinquent:
| $0 |
Total credit lines:
| 20 |
Occupation: | Analyst |
|
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $94 | Stated income: | $100,000+ |
|
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 0% | | |
| | |
Homeownership:
| No | | |
|
Screen name:
| fairness-twister |
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
Loan for personal stuff
No description was provided by the borrower.
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
494449
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:
| HR |
Listing Duration:
| 14 days
|
|
Minimum Amount to Fund:
| $2,000 |
Estimated loss*:
| 18.30% | | |
|
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*:
| 29.17% | | |
| |
Estimated return*:
| 10.87% | | |
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
|
Prosper score (1-10):
| 4 |
First credit line:
| Nov-1989 |
Debt/Income ratio:
| 31% |
|
Credit score:
| 640-659 (Feb-2011) |
Inquiries last 6m:
| 1 | Employment status: | Employed |
|
Now delinquent:
| 0 |
Current / open credit lines:
| 9
/
9 | Length of status: | 1y 8m |
|
Amount delinquent:
| $0 |
Total credit lines:
| 10 |
Occupation: | Other |
|
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $16,653 | Stated income: | $25,000-$49,999 |
|
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 94% | | |
| | |
Homeownership:
| No | | |
|
Screen name:
| dynamic-affluence960 |
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
Consolidate debt
Purpose of loan:
This loan will be used to... Help my finical situation
My financial situation:
I am a good candidate for this loan because...I have good credit and make payments ontime
Monthly net income: $2400
Monthly expenses: $150
Housing: $475
Insurance: $180
Car expenses: $100
Utilities: $75
Phone, cable, internet: $30
Food, entertainment: $300
Clothing, household expenses: $100
Credit cards and other loans: $200
Other expenses: $
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
494455
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
|
Amount:
| $4,000.00 |
Prosper Rating:
| E |
Listing Duration:
| 14 days
|
|
Minimum Amount to Fund:
| $2,800 |
Estimated loss*:
| 14.70% | | |
|
Term:
| 36 months | | | | |
|
|
Lender yield:
| 30.99% |
Borrower rate/APR:
| 31.99% / 35.64% |
Monthly payment:
| $174.20 |
| |
|
Lender servicing fee:
| 1.00% |
Effective Yield*:
| 29.57% | | |
| |
Estimated return*:
| 14.87% | | |
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
|
Prosper score (1-10):
| 4 |
First credit line:
| Apr-1999 |
Debt/Income ratio:
| Not calculated |
|
Credit score:
| 740-759 (Feb-2011) |
Inquiries last 6m:
| 3 | Employment status: | Employed |
|
Now delinquent:
| 0 |
Current / open credit lines:
| 8
/
8 | Length of status: | 3y 7m |
|
Amount delinquent:
| $0 |
Total credit lines:
| 8 |
Occupation: | Administrative Assi... |
|
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $809 | Stated income: | $75,000-$99,999 |
|
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 1% | | |
| | |
Homeownership:
| No | | |
|
Screen name:
| influential-principal7 |
Borrower's state:
| Connecticut |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Description
car expenses
No description was provided by the borrower.
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
494457
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:
| $3,450.00 |
Prosper Rating:
| A |
Listing Duration:
| 14 days
|
|
Minimum Amount to Fund:
| $3,450 |
Estimated loss*:
| 3.50% | | |
|
Term:
| 12 months | | | | |
|
|
Lender yield:
| 7.20% |
Borrower rate/APR:
| 8.20% / 13.97% |
Monthly payment:
| $300.43 |
| |
|
Lender servicing fee:
| 1.00% |
Effective Yield*:
| 7.19% | | |
| |
Estimated return*:
| 3.69% | | |
* 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:
| Jun-1998 |
Debt/Income ratio:
| 14% |
|
Credit score:
| 800-819 (Feb-2011) |
Inquiries last 6m:
| 2 | Employment status: | Employed |
|
Now delinquent:
| 0 |
Current / open credit lines:
| 20
/
16 | Length of status: | 6y 1m |
|
Amount delinquent:
| $0 |
Total credit lines:
| 39 |
Occupation: | Computer Programmer |
|
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $68,998 | Stated income: | $75,000-$99,999 |
|
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 43% | | |
| | |
Homeownership:
| Yes | | |
|
Screen name:
| unrivaled-fund025 |
Borrower's state:
| Maryland |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Description
Loan consolidation, solid income
Purpose of loan:
I am looking to consolidate a few outstanding loans
My financial situation is excellent.
I am a good candidate for this loan because I am employed with a great job that pays well. I am a senior systems analyst (computer geek), and have been with my company for over 6 years.
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
494463
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:
| $3,600.00 |
Prosper Rating:
| AA |
Listing Duration:
| 14 days
|
|
Minimum Amount to Fund:
| $2,520 |
Estimated loss*:
| 1.55% | | |
|
Term:
| 12 months | | | | |
|
|
Lender yield:
| 3.99% |
Borrower rate/APR:
| 4.99% / 5.93% |
Monthly payment:
| $308.17 |
| |
|
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:
| Oct-1987 |
Debt/Income ratio:
| 6% |
|
Credit score:
| 840-859 (Feb-2011) |
Inquiries last 6m:
| 0 | Employment status: | Employed |
|
Now delinquent:
| 0 |
Current / open credit lines:
| 10
/
9 | Length of status: | 21y 3m |
|
Amount delinquent:
| $0 |
Total credit lines:
| 24 |
Occupation: | Executive |
|
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $1,317 | Stated income: | $100,000+ |
|
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 0% | | |
| | |
Homeownership:
| Yes | | |
|
Screen name:
| forte079 |
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
Kitchen Remodeling
Purpose of loan: Kitchen Remodeling
This loan will be used to purchase materials and pay for contractor
My financial situation: Excellent.
I am a good candidate for this loan because I have a clean credit history.
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
494465
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
|
Amount:
| $4,000.00 |
Prosper Rating:
| B |
Listing Duration:
| 14 days
|
|
Minimum Amount to Fund:
| $2,800 |
Estimated loss*:
| 5.95% | | |
|
Term:
| 12 months | | | | |
|
|
Lender yield:
| 11.99% |
Borrower rate/APR:
| 12.99% / 18.83% |
Monthly payment:
| $357.25 |
| |
|
Lender servicing fee:
| 1.00% |
Effective Yield*:
| 11.79% | | |
| |
Estimated return*:
| 5.84% | | |
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
|
Prosper score (1-10):
| 8 |
First credit line:
| Aug-2000 |
Debt/Income ratio:
| 28% |
|
Credit score:
| 760-779 (Feb-2011) |
Inquiries last 6m:
| 1 | Employment status: | Employed |
|
Now delinquent:
| 0 |
Current / open credit lines:
| 18
/
16 | Length of status: | 7y 9m |
|
Amount delinquent:
| $0 |
Total credit lines:
| 32 |
Occupation: | Food Service Manage... |
|
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $9,525 | Stated income: | $50,000-$74,999 |
|
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 21% | | |
| | |
Homeownership:
| Yes | | |
|
Screen name:
| credit-paddle4 |
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
Credit Card Colsalidation
Purpose of loan:
This loan will be used to Pay off Credit Cards
My financial situation:
I am a good candidate for this loan because I have 8 solid progressive management experiance at the same company. Education: MBA
Monthly net income: $4750
Monthly expenses: $1953
Housing: $1100
Insurance: $230
Car expenses: $0
Utilities: $200
Phone, cable, internet: $123
Food, entertainment: $200
Clothing, household expenses: $0
Credit cards and other loans: $500
Other expenses: $
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
494469
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:
| 24.99% |
Borrower rate/APR:
| 25.99% / 29.51% |
Monthly payment:
| $302.14 |
| |
|
Lender servicing fee:
| 1.00% |
Effective Yield*:
| 24.37% | | |
| |
Estimated return*:
| 13.57% | | |
* 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-1978 |
Debt/Income ratio:
| Self-employed (DTI Not Calculated) |
|
Credit score:
| 820-839 (Feb-2011) |
Inquiries last 6m:
| 2 | Employment status: | Self-employed |
|
Now delinquent:
| 0 |
Current / open credit lines:
| 6
/
6 | Length of status: | 15y 9m |
|
Amount delinquent:
| $0 |
Total credit lines:
| 17 |
Occupation: | Executive |
|
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $4,322 | Stated income: | $50,000-$74,999 |
|
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 14% | | |
| | |
Homeownership:
| Yes | | |
|
Screen name:
| ore-enclave |
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
Create retreat
Purpose of loan:
This loan will be used to landscape the yard
My financial situation: Good
Monthly net income: $ 4583
Monthly expenses: $ 2159
Housing: $ 1019
Insurance: $ 120
Car expenses: $ 70
Utilities: $ 100
Phone, cable, internet: $ 100
Food, entertainment: $ 600
Clothing, household expenses: $ 150
Credit cards and other loans: $
Other expenses: $
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
494489
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:
| 24.99% |
Borrower rate/APR:
| 25.99% / 29.51% |
Monthly payment:
| $302.14 |
| |
|
Lender servicing fee:
| 1.00% |
Effective Yield*:
| 24.37% | | |
| |
Estimated return*:
| 13.57% | | |
* 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:
| Nov-1985 |
Debt/Income ratio:
| 30% |
|
Credit score:
| 720-739 (Feb-2011) |
Inquiries last 6m:
| 0 | Employment status: | Other |
|
Now delinquent:
| 0 |
Current / open credit lines:
| 10
/
10 | Length of status: | 15y 7m |
|
Amount delinquent:
| $0 |
Total credit lines:
| 23 | Stated income: | $100,000+ |
|
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $154,928 | |
|
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 92% | | |
| | |
Homeownership:
| Yes | | |
|
Screen name:
| payout-creature4 |
Borrower's state:
| NewMexico |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Description
Debt consolidation
No description was provided by the borrower.
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
494495
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
|
Amount:
| $3,500.00 |
Prosper Rating:
| B |
Listing Duration:
| 14 days
|
|
Minimum Amount to Fund:
| $2,450 |
Estimated loss*:
| 5.95% | | |
|
Term:
| 12 months | | | | |
|
|
Lender yield:
| 11.99% |
Borrower rate/APR:
| 12.99% / 18.83% |
Monthly payment:
| $312.59 |
| |
|
Lender servicing fee:
| 1.00% |
Effective Yield*:
| 11.79% | | |
| |
Estimated return*:
| 5.84% | | |
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
|
Prosper score (1-10):
| 8 |
First credit line:
| Aug-1997 |
Debt/Income ratio:
| 10% |
|
Credit score:
| 780-799 (Feb-2011) |
Inquiries last 6m:
| 0 | Employment status: | Employed |
|
Now delinquent:
| 0 |
Current / open credit lines:
| 4
/
4 | Length of status: | 6y 7m |
|
Amount delinquent:
| $0 |
Total credit lines:
| 7 |
Occupation: | Professional |
|
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $40 | Stated income: | $50,000-$74,999 |
|
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 0% | | |
| | |
Homeownership:
| No | | |
|
Screen name:
| AceroSBU |
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
Furniture Purchase
I was going to buy a new set of living room furniture anyway, but when I was pointed to Prosper today by a blog I thought this would be a great way to fund it.
My financial situation:
I am a good candidate for this loan because I have stable, long term, employment and enough savings to pay this off in full.
Monthly net income: $2200
Monthly expenses: $1300
Housing: $540
Insurance: $80
Car expenses: $60
Utilities: $140
Phone, cable, internet: $80
Food, entertainment: $200
Other expenses: $100
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
494543
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
|
Amount:
| $3,500.00 |
Prosper Rating:
| AA |
Listing Duration:
| 14 days
|
|
Minimum Amount to Fund:
| $2,450 |
Estimated loss*:
| 1.55% | | |
|
Term:
| 12 months | | | | |
|
|
Lender yield:
| 3.99% |
Borrower rate/APR:
| 4.99% / 5.93% |
Monthly payment:
| $299.61 |
| |
|
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:
| Sep-1998 |
Debt/Income ratio:
| 15% |
|
Credit score:
| 780-799 (Feb-2011) |
Inquiries last 6m:
| 0 | Employment status: | Employed |
|
Now delinquent:
| 0 |
Current / open credit lines:
| 11
/
9 | Length of status: | 3y 6m |
|
Amount delinquent:
| $0 |
Total credit lines:
| 18 |
Occupation: | Computer Programmer |
|
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $4,516 | Stated income: | $75,000-$99,999 |
|
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 10% | | |
| | |
Homeownership:
| No | | |
|
Screen name:
| logical-principal4 |
Borrower's state:
| Nevada |
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
99RS Roll Cage Fund!
Purpose of loan:
This loan will be used to put a roll cage in my 99 RS Subaru rally car. Yes I am dead serious. I'm building a rally car and these funds will be used for that.
My financial situation:
I am a good candidate for this loan because I have a very stable job, can find work easily as a software developer and have a very nice dividend stock portfolio as well as multiple CDs which expire later this year.
FWF
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
488696
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:
| $11,500.00 |
Prosper Rating:
| A |
Listing Duration:
| 14 days
|
|
Minimum Amount to Fund:
| $8,050 |
Estimated loss*:
| 3.25% | | |
|
Term:
| 60 months | | | | |
|
|
Lender yield:
| 10.29% |
Borrower rate/APR:
| 11.29% / 12.63% |
Monthly payment:
| $251.70 |
| |
|
Lender servicing fee:
| 1.00% |
Effective Yield*:
| 10.26% | | |
| |
Estimated return*:
| 7.01% | | |
* 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-1984 |
Debt/Income ratio:
| 21% |
|
Credit score:
| 720-739 (Jan-2011) |
Inquiries last 6m:
| 0 | Employment status: | Employed |
|
Now delinquent:
| 0 |
Current / open credit lines:
| 13
/
13 | Length of status: | 26y 6m |
|
Amount delinquent:
| $0 |
Total credit lines:
| 19 |
Occupation: | Medical Technician |
|
Public records last 12m / 10y:
| 0/ 1 |
Revolving credit balance:
| $10,286 | Stated income: | $75,000-$99,999 |
|
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 60% | | |
| | |
Homeownership:
| Yes | | |
|
Screen name:
| lisa4kds |
Borrower's state:
| NorthCarolina |
Borrower's group:
| Voyagers Financial |
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:
| 68 ( 100% )
| 720-739 (Latest)
|
|
Principal borrowed:
| $12,999.00 | < 31 days late:
| 0
( 0% )
| 660-679
(Apr-2008)
640-659
(Jul-2006)
|
|
Principal balance:
| $956.08 |
31+ days late:
| 0
( 0% )
|
|
Total payments billed:
| 68 | | |
Description
Cleaning it all up!
Purpose of loan:
This loan will be used to...consolidate all current debt!
My financial situation:
I am a good candidate for this loan because..I have stable employment and have been with the same organization for over 25 years. I am hardworking and dedicated to the cause. I am on schedule to pay off my mortgage later this year and repaying this loan would be a sure bet! This would be my third prosper loan--never a late payment--never a missed one either!
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
488768
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
|
Amount:
| $2,000.00 |
Prosper Rating:
| D |
Listing Duration:
| 14 days
|
|
Minimum Amount to Fund:
| $2,000 |
Estimated loss*:
| 10.80% | | |
|
Term:
| 36 months | | | | |
|
|
Lender yield:
| 24.99% |
Borrower rate/APR:
| 25.99% / 29.51% |
Monthly payment:
| $80.57 |
| |
|
Lender servicing fee:
| 1.00% |
Effective Yield*:
| 24.37% | | |
| |
Estimated return*:
| 13.57% | | |
* 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:
| Nov-1990 |
Debt/Income ratio:
| 4% |
|
Credit score:
| 760-779 (Jan-2011) |
Inquiries last 6m:
| 1 | Employment status: | Employed |
|
Now delinquent:
| 0 |
Current / open credit lines:
| 9
/
4 | Length of status: | 5y 4m |
|
Amount delinquent:
| $0 |
Total credit lines:
| 40 |
Occupation: | Computer Programmer |
|
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $0 | Stated income: | $50,000-$74,999 |
|
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 0% | | |
| | |
Homeownership:
| No | | |
|
Screen name:
| kander80 |
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
Purchase Car for Son
My financial situation:
I am a good candidate for this loan because I pay my bills on time, I have a steady income and I have more than enough in savings to pay this entire loan if I need to. One of the reasons I'm trying to get this loan is to keep my credit active. I found out from Proser that although my credit rating is quite high, the reason my Prosper grade is low is because there is not much recent history of my juggling debt.
Monthly net income: $2880
Monthly expenses: $1880 detailed below...
Housing: $400 (Property tax only - my husband owns the house outright)
Insurance: $150
Car expenses: $40 (Own car, but set aside a little for routine maintenance.)
Utilities: $150
Phone, cable, internet: $180
Food, entertainment: $700
Clothing, household expenses: $200
Credit cards and other loans: $60 (I generally pay off entire balance each month, but this would be the monthly payment if I did not.)
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
488844
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:
| 24.99% |
Borrower rate/APR:
| 25.99% / 29.51% |
Monthly payment:
| $302.14 |
| |
|
Lender servicing fee:
| 1.00% |
Effective Yield*:
| 24.37% | | |
| |
Estimated return*:
| 13.57% | | |
* 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:
| Jun-2009 |
Debt/Income ratio:
| 2% |
|
Credit score:
| 700-719 (Feb-2011) |
Inquiries last 6m:
| 0 | Employment status: | Employed |
|
Now delinquent:
| 0 |
Current / open credit lines:
| 1
/
1 | Length of status: | 10y 7m |
|
Amount delinquent:
| $0 |
Total credit lines:
| 2 |
Occupation: | Pilot - Private/Com... |
|
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $0 | Stated income: | $100,000+ |
|
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 0% | | |
| | |
Homeownership:
| No | | |
|
Screen name:
| revenue-visionary354 |
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
Looking for your help..!!
Purpose of loan: Debt consoilidation
This loan will be used to...
My financial situation:
I am a good candidate for this loan because...I am very strongly employed
Monthly net income: $9100
Monthly expenses: $8700
Housing: $1500 (inclusive)
Insurance: $1300 (Life)
Car expenses: $1000
Utilities: $N/A
Phone, cable, internet: $250
Food, entertainment: $1000
Clothing, household expenses: $
Credit cards and other loans: $1500
Other expenses: $2180
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
489868
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
|
Amount:
| $3,500.00 |
Prosper Rating:
| AA |
Listing Duration:
| 14 days
|
|
Minimum Amount to Fund:
| $2,450 |
Estimated loss*:
| 1.55% | | |
|
Term:
| 12 months | | | | |
|
|
Lender yield:
| 3.99% |
Borrower rate/APR:
| 4.99% / 5.93% |
Monthly payment:
| $299.61 |
| |
|
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:
| Jun-1989 |
Debt/Income ratio:
| 12% |
|
Credit score:
| 800-819 (Feb-2011) |
Inquiries last 6m:
| 0 | Employment status: | Employed |
|
Now delinquent:
| 0 |
Current / open credit lines:
| 9
/
9 | Length of status: | 6y 10m |
|
Amount delinquent:
| $0 |
Total credit lines:
| 16 |
Occupation: | Analyst |
|
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $906 | Stated income: | $50,000-$74,999 |
|
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 1% | | |
| | |
Homeownership:
| No | | |
|
Screen name:
| pjm311 |
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
Paying off auto loan
I have an auto loan at 6.25% with 14 payments of $228 left. The proceeds of this Prosper loan will be used to pay off the auto loan; Prosper's 5th birthday promo (making the 2nd payment for me) will save me a couple hundred over the next year. I have essentially no debt other than the auto loan and a perfect payment history.
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
492274
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:
| $20,000.00 |
Prosper Rating:
| AA |
Listing Duration:
| 14 days
|
|
Minimum Amount to Fund:
| $14,000 |
Estimated loss*:
| 1.30% | | |
|
Term:
| 36 months | | | | |
|
|
Lender yield:
| 4.99% |
Borrower rate/APR:
| 5.99% / 6.33% |
Monthly payment:
| $608.35 |
| |
|
Lender servicing fee:
| 1.00% |
Effective Yield*:
| 5.00% | | |
| |
Estimated return*:
| 3.70% | | |
* 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-1999 |
Debt/Income ratio:
| 11% |
|
Credit score:
| 740-759 (Jan-2011) |
Inquiries last 6m:
| 1 | Employment status: | Employed |
|
Now delinquent:
| 0 |
Current / open credit lines:
| 20
/
16 | Length of status: | 6y 1m |
|
Amount delinquent:
| $0 |
Total credit lines:
| 42 |
Occupation: | Other |
|
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $11,733 | Stated income: | $100,000+ |
|
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 21% | | |
| | |
Homeownership:
| No | | |
|
Screen name:
| pete2813 |
Borrower's state:
| Illinois |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
| Loan history | Payment history | Credit score history |
|
Active / total loans:
| 0 / 1 |
On-time:
| 35 ( 100% )
| 740-759 (Latest)
|
|
Principal borrowed:
| $11,200.00 | < 31 days late:
| 0
( 0% )
| 700-719
(Jul-2007)
|
|
Principal balance:
| $0.00 |
31+ days late:
| 0
( 0% )
|
|
Total payments billed:
| 35 | | |
Description
Wedding and Home Furnishings
I plan to use this loan to pay for our wedding and new home furnishings. We both have secure jobs (however only mine is used for Propser's income calculations) in the energy sector and as a university faculty member.
We've thought about just using credit cards, but thought that Prosper would be a better fit than a big bank.
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
492302
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
|
Amount:
| $4,000.00 |
Prosper Rating:
| E |
Listing Duration:
| 14 days
|
|
Minimum Amount to Fund:
| $4,000 |
Estimated loss*:
| 14.70% | | |
|
Term:
| 36 months | | | | |
|
|
Lender yield:
| 30.99% |
Borrower rate/APR:
| 31.99% / 35.64% |
Monthly payment:
| $174.20 |
| |
|
Lender servicing fee:
| 1.00% |
Effective Yield*:
| 29.57% | | |
| |
Estimated return*:
| 14.87% | | |
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
|
Prosper score (1-10):
| 4 |
First credit line:
| Aug-1979 |
Debt/Income ratio:
| Self-employed (DTI Not Calculated) |
|
Credit score:
| 700-719 (Jan-2011) |
Inquiries last 6m:
| 0 | Employment status: | Self-employed |
|
Now delinquent:
| 0 |
Current / open credit lines:
| 2
/
2 | Length of status: | 30y 10m |
|
Amount delinquent:
| $0 |
Total credit lines:
| 29 |
Occupation: | Doctor |
|
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $6,629 | Stated income: | $75,000-$99,999 |
|
Delinquencies in last 7y:
| 10 |
Bankcard utilization:
| 81% | | |
| | |
Homeownership:
| No | | |
|
Screen name:
| credit-matrix069 |
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
My personal loan
No description was provided by the borrower.
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
493166
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
|
Amount:
| $3,500.00 |
Prosper Rating:
| AA |
Listing Duration:
| 14 days
|
|
Minimum Amount to Fund:
| $3,500 |
Estimated loss*:
| 1.30% | | |
|
Term:
| 12 months | | | | |
|
|
Lender yield:
| 3.99% |
Borrower rate/APR:
| 4.99% / 5.93% |
Monthly payment:
| $299.61 |
| |
|
Lender servicing fee:
| 1.00% |
Effective Yield*:
| 4.00% | | |
| |
Estimated return*:
| 2.70% | | |
* 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:
| Feb-1992 |
Debt/Income ratio:
| 12% |
|
Credit score:
| 840-859 (Feb-2011) |
Inquiries last 6m:
| 0 | Employment status: | Employed |
|
Now delinquent:
| 0 |
Current / open credit lines:
| 11
/
9 | Length of status: | 6y 8m |
|
Amount delinquent:
| $0 |
Total credit lines:
| 28 |
Occupation: | Professional |
|
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $11,734 | Stated income: | $100,000+ |
|
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 13% | | |
| | |
Homeownership:
| Yes | | |
|
Screen name:
| Sonos |
Borrower's state:
| Illinois |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
| Loan history | Payment history | Credit score history |
|
Active / total loans:
| 1 / 1 |
On-time:
| 16 ( 100% )
| 840-859 (Latest)
|
|
Principal borrowed:
| $15,000.00 | < 31 days late:
| 0
( 0% )
| 820-839
(Jun-2010)
840-859
(Sep-2009)
|
|
Principal balance:
| $8,913.27 |
31+ days late:
| 0
( 0% )
|
|
Total payments billed:
| 16 | | |
Description
Payoff child's birth expenses
Purpose of loan:
Pay the bills incurred for my child's birth.
Plus I like using Prosper.
My financial situation:
I am a good candidate for this loan because I pay all my bills on time, have a current Prosper loan, and am financially secure.
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
493546
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:
| Oct-1988 |
Debt/Income ratio:
| 21% |
|
Credit score:
| 660-679 (Feb-2011) |
Inquiries last 6m:
| 0 | Employment status: | Employed |
|
Now delinquent:
| 10 |
Current / open credit lines:
| 3
/
2 | Length of status: | 2y 7m |
|
Amount delinquent:
| $1,314 |
Total credit lines:
| 35 |
Occupation: | Administrative Assi... |
|
Public records last 12m / 10y:
| 0/ 1 |
Revolving credit balance:
| $202 | Stated income: | $25,000-$49,999 |
|
Delinquencies in last 7y:
| 11 |
Bankcard utilization:
| 50% | | |
| | |
Homeownership:
| Yes | | |
|
Screen name:
| ideal-velocity362 |
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
milbob
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
493728
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
|
Amount:
| $2,000.00 |
Prosper Rating:
| D |
Listing Duration:
| 14 days
|
|
Minimum Amount to Fund:
| $2,000 |
Estimated loss*:
| 10.80% | | |
|
Term:
| 36 months | | | | |
|
|
Lender yield:
| 24.99% |
Borrower rate/APR:
| 25.99% / 29.51% |
Monthly payment:
| $80.57 |
| |
|
Lender servicing fee:
| 1.00% |
Effective Yield*:
| 24.37% | | |
| |
Estimated return*:
| 13.57% | | |
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
|
Prosper score (1-10):
| 6 |
First credit line:
| Aug-2008 |
Debt/Income ratio:
| 19% |
|
Credit score:
| 640-659 (Feb-2011) |
Inquiries last 6m:
| 0 | Employment status: | Employed |
|
Now delinquent:
| 0 |
Current / open credit lines:
| 2
/
2 | Length of status: | 1y 6m |
|
Amount delinquent:
| $0 |
Total credit lines:
| 6 |
Occupation: | Medical Technician |
|
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $459 | Stated income: | $1-$24,999 |
|
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 27% | | |
| | |
Homeownership:
| No | | |
|
Screen name:
| penny-officer |
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
Summer Education Loan
Purpose of loan:
This loan will be used to fund my summer education.
My financial situation:
I am a good candidate for this loan because I am very diligent with financial agreements. I pay my credit card payments on time, and have never missed one.
Monthly net income: $ 920
Monthly expenses: $
Housing: $535
Insurance: $
Car expenses: $
Utilities: $70
Phone, cable, internet: $80
Food, entertainment: $
Clothing, household expenses: $
Credit cards and other loans: $30
Other expenses: $
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
494162
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:
| $3,600.00 |
Prosper Rating:
| AA |
Listing Duration:
| 14 days
|
|
Minimum Amount to Fund:
| $3,600 |
Estimated loss*:
| 1.55% | | |
|
Term:
| 12 months | | | | |
|
|
Lender yield:
| 3.99% |
Borrower rate/APR:
| 4.99% / 5.93% |
Monthly payment:
| $308.17 |
| |
|
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:
| Apr-1999 |
Debt/Income ratio:
| 12% |
|
Credit score:
| 820-839 (Feb-2011) |
Inquiries last 6m:
| 0 | Employment status: | Employed |
|
Now delinquent:
| 0 |
Current / open credit lines:
| 10
/
10 | Length of status: | 6y 1m |
|
Amount delinquent:
| $0 |
Total credit lines:
| 18 |
Occupation: | Professional |
|
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $861 | Stated income: | $25,000-$49,999 |
|
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 1% | | |
| | |
Homeownership:
| Yes | | |
|
Screen name:
| creditspread7 |
Borrower's state:
| Nebraska |
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
Increase Liquidity
This loan is to increase liquidity. I have completed a minor remodel to my kitchen that cost more than expected. I prefer to take a short term Prosper loan than pay for the remodel from past savings because I have recently invested a large portion of my liquid cash in a long term investment. I would prefer not to cause a taxable event by selling a portion of the investment recently purchased. As a result, I need to increase my liquidity for a few months. A Prosper loan is better than paying credit card interest rates.
I am a good candidate for this loan because I have very stable income and am able to save about $1000 per month. I have no debt besides my house (30% equity), other than my daily use rewards credit cards. I have lent with Prosper in the past until my state became restricted and am no longer allowed to lend. I understand the feeling of someone else having your money. This loan will be repaid in short order, as I have sufficient income to cover my day to day expenses.
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
494180
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:
| B |
Listing Duration:
| 14 days
|
|
Minimum Amount to Fund:
| $10,500 |
Estimated loss*:
| 5.95% | | |
|
Term:
| 60 months | | | | |
|
|
Lender yield:
| 15.99% |
Borrower rate/APR:
| 16.99% / 18.41% |
Monthly payment:
| $372.71 |
| |
|
Lender servicing fee:
| 1.00% |
Effective Yield*:
| 15.71% | | |
| |
Estimated return*:
| 9.76% | | |
* 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:
| Jul-1985 |
Debt/Income ratio:
| 51% |
|
Credit score:
| 720-739 (Feb-2011) |
Inquiries last 6m:
| 0 | Employment status: | Employed |
|
Now delinquent:
| 0 |
Current / open credit lines:
| 15
/
13 | Length of status: | 1y 0m |
|
Amount delinquent:
| $0 |
Total credit lines:
| 23 |
Occupation: | Other |
|
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $79,679 | Stated income: | $25,000-$49,999 |
|
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 64% | | |
| | |
Homeownership:
| Yes | | |
|
Screen name:
| ore-freshmaker0 |
Borrower's state:
| Minnesota |
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 free
No description was provided by the borrower.
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
494210
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:
| 7.90% |
Borrower rate/APR:
| 8.90% / 10.99% |
Monthly payment:
| $476.30 |
| |
|
Lender servicing fee:
| 1.00% |
Effective Yield*:
| 7.88% | | |
| |
Estimated return*:
| 4.38% | | |
* 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-1994 |
Debt/Income ratio:
| 18% |
|
Credit score:
| 800-819 (Feb-2011) |
Inquiries last 6m:
| 1 | Employment status: | Employed |
|
Now delinquent:
| 0 |
Current / open credit lines:
| 8
/
7 | Length of status: | 10y 9m |
|
Amount delinquent:
| $0 |
Total credit lines:
| 25 |
Occupation: | Attorney |
|
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $14,890 | Stated income: | $50,000-$74,999 |
|
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 20% | | |
| | |
Homeownership:
| No | | |
|
Screen name:
| thorough-pound |
Borrower's state:
| Mississippi |
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
business loan 1
Purpose of loan:
This loan will be used to... grow my expanding law firm.
My financial situation:
I am a good candidate for this loan because...I have an excellent credit history and a growing successful business.
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
494234
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:
| 24.99% |
Borrower rate/APR:
| 25.99% / 29.51% |
Monthly payment:
| $302.14 |
| |
|
Lender servicing fee:
| 1.00% |
Effective Yield*:
| 24.37% | | |
| |
Estimated return*:
| 13.57% | | |
* 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:
| Apr-2004 |
Debt/Income ratio:
| 8% |
|
Credit score:
| 720-739 (Feb-2011) |
Inquiries last 6m:
| 5 | Employment status: | Employed |
|
Now delinquent:
| 0 |
Current / open credit lines:
| 7
/
7 | Length of status: | 4y 5m |
|
Amount delinquent:
| $0 |
Total credit lines:
| 10 |
Occupation: | Sales - Retail |
|
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $5,288 | Stated income: | $75,000-$99,999 |
|
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 47% | | |
| | |
Homeownership:
| No | | |
|
Screen name:
| transparency-caramel7 |
Borrower's state:
| California |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Description
DEBT CONSOLIDATION FOR HIGH INCOME
Purpose of loan: DEBT/CREDIT CARD CONSOLIDATION TO BECOME CREDIT CARD FREE FOR GOOD!!
This loan will be used to... Pay off ALL of my credit cards in full, as well as begin to pay down a student loan that may begin to increase in the near future since it is based off of Prime to improve credit score and reduce the liability of keeping up with multiple pmts.
My financial situation: Good credit, steady employment (same employer since '06 making around $95,000), 401K account to borrow against if necessary (which will all stay in the bond market!). Increased my annual income every year since '06 and plan to do the same in '11.
I am a good candidate for this loan because... My income more than covers my living expenses, allowing me to pay this loan with ease: MOST IMPORTANTLY, I UNDERSTAND THAT MY CREDIT IS MY MOST VALUABLE ASSET!
Monthly net income: $7,896.09
Rent: $850
CC and Student loans: $373.00
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
494242
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:
| 60 months | | | | |
|
|
Lender yield:
| 10.90% |
Borrower rate/APR:
| 11.90% / 13.25% |
Monthly payment:
| $332.91 |
| |
|
Lender servicing fee:
| 1.00% |
Effective Yield*:
| 10.87% | | |
| |
Estimated return*:
| 7.37% | | |
* 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):
| 9 |
First credit line:
| Feb-1996 |
Debt/Income ratio:
| 5% |
|
Credit score:
| 820-839 (Feb-2011) |
Inquiries last 6m:
| 1 | Employment status: | Employed |
|
Now delinquent:
| 1 |
Current / open credit lines:
| 3
/
3 | Length of status: | 0y 8m |
|
Amount delinquent:
| $515 |
Total credit lines:
| 29 |
Occupation: | Computer Programmer |
|
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $171 | Stated income: | $75,000-$99,999 |
|
Delinquencies in last 7y:
| 1 |
Bankcard utilization:
| 3% | | |
| | |
Homeownership:
| Yes | | |
|
Screen name:
| enriching-revenue176 |
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
trd
Purpose of loan:
This loan will be used to pay off a loan
My financial situation:
I am a good candidate for this loan because...
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
494260
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:
| C |
Listing Duration:
| 14 days
|
|
Minimum Amount to Fund:
| $5,250 |
Estimated loss*:
| 7.70% | | |
|
Term:
| 36 months | | | | |
|
|
Lender yield:
| 15.99% |
Borrower rate/APR:
| 16.99% / 20.32% |
Monthly payment:
| $267.36 |
| |
|
Lender servicing fee:
| 1.00% |
Effective Yield*:
| 15.63% | | |
| |
Estimated return*:
| 7.93% | | |
* 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-1992 |
Debt/Income ratio:
| 15% |
|
Credit score:
| 720-739 (Feb-2011) |
Inquiries last 6m:
| 0 | Employment status: | Employed |
|
Now delinquent:
| 0 |
Current / open credit lines:
| 6
/
6 | Length of status: | 0y 8m |
|
Amount delinquent:
| $0 |
Total credit lines:
| 34 |
Occupation: | Nurse (RN) |
|
Public records last 12m / 10y:
| 0/ 1 |
Revolving credit balance:
| $416 | Stated income: | $50,000-$74,999 |
|
Delinquencies in last 7y:
| 3 |
Bankcard utilization:
| 0% | | |
| | |
Homeownership:
| No | | |
|
Screen name:
| durability-viola |
Borrower's state:
| Hawaii |
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% )
| 720-739 (Latest)
|
|
Principal borrowed:
| $1,100.00 | < 31 days late:
| 0
( 0% )
| 720-739
(Feb-2010)
|
|
Principal balance:
| $834.17 |
31+ days late:
| 0
( 0% )
|
|
Total payments billed:
| 11 | | |
Description
Need of second-hand car.
No description was provided by the borrower.
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
494262
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
|
|
Minimum Amount to Fund:
| $2,000 |
Estimated loss*:
| 14.70% | | |
|
Term:
| 36 months | | | | |
|
|
Lender yield:
| 30.99% |
Borrower rate/APR:
| 31.99% / 35.64% |
Monthly payment:
| $87.10 |
| |
|
Lender servicing fee:
| 1.00% |
Effective Yield*:
| 29.57% | | |
| |
Estimated return*:
| 14.87% | | |
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
|
Prosper score (1-10):
| 5 |
First credit line:
| Aug-1997 |
Debt/Income ratio:
| 20% |
|
Credit score:
| 660-679 (Feb-2011) |
Inquiries last 6m:
| 4 | Employment status: | Employed |
|
Now delinquent:
| 0 |
Current / open credit lines:
| 8
/
8 | Length of status: | 4y 8m |
|
Amount delinquent:
| $0 |
Total credit lines:
| 18 |
Occupation: | Architect |
|
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $800 | Stated income: | $50,000-$74,999 |
|
Delinquencies in last 7y:
| 9 |
Bankcard utilization:
| 33% | | |
| | |
Homeownership:
| No | | |
|
Screen name:
| dime-hawk |
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
Archotect
Purpose of loan:
This loan will be used to...pay a medical Bill
My financial situation:
I am a good candidate for this loan because...is will pay it back soon as possible
Monthly net income: $3500
Monthly expenses: $1500
Housing: $479.00
Insurance: $/200.00
Car expenses: $650.00
Utilities: $130.00
Phone, cable, internet: $150.00
Food, entertainment: $200.00
Clothing, household expenses: $25.00
Credit cards and other loans: $200.00
Other expenses: $
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
494270
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
|
Amount:
| $3,500.00 |
Prosper Rating:
| AA |
Listing Duration:
| 14 days
|
|
Minimum Amount to Fund:
| $2,450 |
Estimated loss*:
| 1.55% | | |
|
Term:
| 12 months | | | | |
|
|
Lender yield:
| 3.99% |
Borrower rate/APR:
| 4.99% / 5.93% |
Monthly payment:
| $299.61 |
| |
|
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:
| Sep-1997 |
Debt/Income ratio:
| 11% |
|
Credit score:
| 780-799 (Feb-2011) |
Inquiries last 6m:
| 0 | Employment status: | Employed |
|
Now delinquent:
| 0 |
Current / open credit lines:
| 6
/
6 | Length of status: | 4y 6m |
|
Amount delinquent:
| $0 |
Total credit lines:
| 9 |
Occupation: | Executive |
|
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $1,508 | Stated income: | $25,000-$49,999 |
|
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 3% | | |
| | |
Homeownership:
| No | | |
|
Screen name:
| inventive-deal096 |
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
Consolidating Debt
Purpose of loan:
This loan will be used to consolidate debt.
My financial situation:
I am a good candidate for this loan because I have excellent credit and repayment ability.
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
494274
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:
| $3,400.00 |
Prosper Rating:
| A |
Listing Duration:
| 14 days
|
|
Minimum Amount to Fund:
| $3,400 |
Estimated loss*:
| 3.50% | | |
|
Term:
| 12 months | | | | |
|
|
Lender yield:
| 7.20% |
Borrower rate/APR:
| 8.20% / 13.97% |
Monthly payment:
| $296.08 |
| |
|
Lender servicing fee:
| 1.00% |
Effective Yield*:
| 7.19% | | |
| |
Estimated return*:
| 3.69% | | |
* 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:
| Jul-2005 |
Debt/Income ratio:
| 6% |
|
Credit score:
| 760-779 (Feb-2011) |
Inquiries last 6m:
| 1 | Employment status: | Employed |
|
Now delinquent:
| 0 |
Current / open credit lines:
| 7
/
7 | Length of status: | 0y 6m |
|
Amount delinquent:
| $0 |
Total credit lines:
| 8 |
Occupation: | Computer Programmer |
|
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $3,356 | Stated income: | $75,000-$99,999 |
|
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 0% | | |
| | |
Homeownership:
| Yes | | |
|
Screen name:
| melodious-transparency3 |
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
need to pay off credit card
Purpose of loan:
pay off credit card
My financial situation:
need it to pay 4k for credit card . have enough income to payoff the loan .
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
494276
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:
| HR |
Listing Duration:
| 14 days
|
|
Minimum Amount to Fund:
| $2,100 |
Estimated loss*:
| 18.30% | | |
|
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*:
| 29.17% | | |
| |
Estimated return*:
| 10.87% | | |
* 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:
| Sep-1999 |
Debt/Income ratio:
| 22% |
|
Credit score:
| 640-659 (Feb-2011) |
Inquiries last 6m:
| 0 | Employment status: | Employed |
|
Now delinquent:
| 1 |
Current / open credit lines:
| 7
/
6 | Length of status: | 8y 4m |
|
Amount delinquent:
| $0 |
Total credit lines:
| 19 |
Occupation: | Professional |
|
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $4,724 | Stated income: | $25,000-$49,999 |
|
Delinquencies in last 7y:
| 2 |
Bankcard utilization:
| 94% | | |
| | |
Homeownership:
| No | | |
|
Screen name:
| mitzika |
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
Roof loan
Purpose of loan: Replace roof on mobile home
This loan will be used to...
My financial situation:
I am a good candidate for this loan because, I pay my bills on time, have a full-time job, and would be able to pay the loan back in less than the time it allows.
Monthly net income: $2635.00
Monthly expenses: $2310.00
Housing: $325.00 space rent
Insurance: $40.00
Car expenses: $150.00
Utilities: $150.00
Phone, cable, internet: $145.00
Food, entertainment: $350.00
Clothing, household expenses: $250.00
Credit cards and other loans: $400.00
Other expenses: $5000.00
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
494280
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
|
Amount:
| $8,500.00 |
Prosper Rating:
| AA |
Listing Duration:
| 14 days
|
|
Minimum Amount to Fund:
| $5,950 |
Estimated loss*:
| 1.55% | | |
|
Term:
| 36 months | | | | |
|
|
Lender yield:
| 5.55% |
Borrower rate/APR:
| 6.55% / 6.89% |
Monthly payment:
| $260.71 |
| |
|
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:
| Apr-1997 |
Debt/Income ratio:
| 8% |
|
Credit score:
| 740-759 (Feb-2011) |
Inquiries last 6m:
| 1 | Employment status: | Employed |
|
Now delinquent:
| 0 |
Current / open credit lines:
| 8
/
8 | Length of status: | 2y 7m |
|
Amount delinquent:
| $0 |
Total credit lines:
| 11 |
Occupation: | Engineer - Mechanic... |
|
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $6,214 | Stated income: | $50,000-$74,999 |
|
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 14% | | |
| | |
Homeownership:
| No | | |
|
Screen name:
| baw325 |
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
Loan to Try Prosper Out!
Purpose of loan:
This loan will be used to see what Prosper is like from the other side. I've been a Prosper member for years, have investigated loans, but never invested. I'd like to see what borrowers go through before making investments of my own.
My financial situation:
I am a good candidate for this loan because of my great credit, solid job, and the fact that I will not be risking the loan money!
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
494282
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:
| $5,600.00 |
Prosper Rating:
| D |
Listing Duration:
| 14 days
|
|
Minimum Amount to Fund:
| $3,920 |
Estimated loss*:
| 9.80% | | |
|
Term:
| 36 months | | | | |
|
|
Lender yield:
| 20.99% |
Borrower rate/APR:
| 21.99% / 25.42% |
Monthly payment:
| $213.84 |
| |
|
Lender servicing fee:
| 1.00% |
Effective Yield*:
| 20.48% | | |
| |
Estimated return*:
| 10.68% | | |
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
|
Prosper score (1-10):
| 7 |
First credit line:
| Jul-1975 |
Debt/Income ratio:
| 18% |
|
Credit score:
| 660-679 (Feb-2011) |
Inquiries last 6m:
| 1 | Employment status: | Employed |
|
Now delinquent:
| 0 |
Current / open credit lines:
| 7
/
6 | Length of status: | 13y 5m |
|
Amount delinquent:
| $0 |
Total credit lines:
| 23 |
Occupation: | Attorney |
|
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $29,406 | Stated income: | $100,000+ |
|
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 98% | | |
| | |
Homeownership:
| No | | |
|
Screen name:
| Sam848 |
Borrower's state:
| Washington |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
| Loan history | Payment history | Credit score history |
|
Active / total loans:
| 0 / 2 |
On-time:
| 54 ( 100% )
| 660-679 (Latest)
|
|
Principal borrowed:
| $7,000.00 | < 31 days late:
| 0
( 0% )
| 720-739
(Jan-2008)
640-659
(May-2006)
|
|
Principal balance:
| $0.01 |
31+ days late:
| 0
( 0% )
|
|
Total payments billed:
| 54 | | |
Description
Paying Mom's Last Debts
Purpose of loan:
This loan will be used to repay my mother's last high interest loans. She is in a nursing home and will be happier is she knows everything is paid. (I am not paying for my mother's nursing home care, just assisting with her last bills.)
My financial situation:
I am a good candidate for this loan because I have received two prior loans from Prosper and repaid them both fully. I am employed full time as an attorney for the State of Washington
Monthly net income: $ 5760
Monthly expenses: $ See below
Housing: $ 950
Insurance: $ 125
Car expenses: $ 350
Utilities: $ 10
Phone, cable, internet: $ 70
Food, entertainment: $ 700
Clothing, household expenses: $ 50
Credit cards and other loans: $ 2400
Other expenses: $
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
494286
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:
| 24.99% |
Borrower rate/APR:
| 25.99% / 29.51% |
Monthly payment:
| $302.14 |
| |
|
Lender servicing fee:
| 1.00% |
Effective Yield*:
| 24.37% | | |
| |
Estimated return*:
| 13.57% | | |
* 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:
| Nov-1985 |
Debt/Income ratio:
| Self-employed (DTI Not Calculated) |
|
Credit score:
| 760-779 (Feb-2011) |
Inquiries last 6m:
| 0 | Employment status: | Self-employed |
|
Now delinquent:
| 0 |
Current / open credit lines:
| 9
/
9 | Length of status: | 9y 9m |
|
Amount delinquent:
| $0 |
Total credit lines:
| 22 |
Occupation: | Professional |
|
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $5,085 | Stated income: | $50,000-$74,999 |
|
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 23% | | |
| | |
Homeownership:
| Yes | | |
|
Screen name:
| organic-gain7 |
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
Debt Consolidation
Purpose of loan: Looking to lower balances and payoff as much debt as possible
This loan will be used to... Pay creditors and lower my debt.
My financial situation: I am blessed that I can currently making all payments on time. I want to start putting money away for the future but am having difficulty saving to keep bills up to date.
I am a good candidate for this loan because...I do make all my payments on time. I have a steady income and value my credit.
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
494290
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:
| $3,600.00 |
Prosper Rating:
| A |
Listing Duration:
| 14 days
|
|
Minimum Amount to Fund:
| $2,520 |
Estimated loss*:
| 3.50% | | |
|
Term:
| 12 months | | | | |
|
|
Lender yield:
| 7.20% |
Borrower rate/APR:
| 8.20% / 13.97% |
Monthly payment:
| $313.49 |
| |
|
Lender servicing fee:
| 1.00% |
Effective Yield*:
| 7.19% | | |
| |
Estimated return*:
| 3.69% | | |
* 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:
| Nov-1988 |
Debt/Income ratio:
| 9% |
|
Credit score:
| 840-859 (Feb-2011) |
Inquiries last 6m:
| 1 | Employment status: | Employed |
|
Now delinquent:
| 0 |
Current / open credit lines:
| 13
/
13 | Length of status: | 10y 4m |
|
Amount delinquent:
| $0 |
Total credit lines:
| 43 |
Occupation: | Nurse's Aide |
|
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $9,573 | Stated income: | $75,000-$99,999 |
|
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 10% | | |
| | |
Homeownership:
| Yes | | |
|
Screen name:
| microscope9 |
Borrower's state:
| Connecticut |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Description
Small 1 year loan requested
Purpose of loan:
This loan will be used to...replace roof on rental property
My financial situation:
I am a good candidate for this loan because...I have no debt other then mortgage and I have steady job with State OF CT .
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
494296
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:
| B |
Listing Duration:
| 14 days
|
|
Minimum Amount to Fund:
| $4,270 |
Estimated loss*:
| 4.95% | | |
|
Term:
| 36 months | | | | |
|
|
Lender yield:
| 9.99% |
Borrower rate/APR:
| 10.99% / 13.11% |
Monthly payment:
| $199.68 |
| |
|
Lender servicing fee:
| 1.00% |
Effective Yield*:
| 9.83% | | |
| |
Estimated return*:
| 4.88% | | |
* 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-1993 |
Debt/Income ratio:
| 19% |
|
Credit score:
| 700-719 (Feb-2011) |
Inquiries last 6m:
| 1 | Employment status: | Employed |
|
Now delinquent:
| 0 |
Current / open credit lines:
| 9
/
7 | Length of status: | 13y 10m |
|
Amount delinquent:
| $0 |
Total credit lines:
| 22 |
Occupation: | Other |
|
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $16,997 | Stated income: | $50,000-$74,999 |
|
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 32% | | |
| | |
Homeownership:
| No | | |
|
Screen name:
| contract-lava0 |
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 / 1 |
On-time:
| 10 ( 100% )
| 700-719 (Latest)
|
|
Principal borrowed:
| $8,000.00 | < 31 days late:
| 0
( 0% )
| 740-759
(Apr-2010)
|
|
Principal balance:
| $6,125.47 |
31+ days late:
| 0
( 0% )
|
|
Total payments billed:
| 10 | | |
Description
Refinance existing Prosper Loan
Purpose of loan:
This loan will be used to...pay off 1st Prosper loan at a lower rate. It makes sense financially.
My financial situation:
I am a good candidate for this loan because...I have a good job and have never missed a payment.
Monthly net income: $4718
Monthly expenses: $
Housing: $2250
Insurance: $485
Car expenses: $251
Utilities: $60
Phone, cable, internet: $
Food, entertainment: $200
Clothing, household expenses: $
Credit cards and other loans: $764
Other expenses: $
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
494314
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:
| $3,600.00 |
Prosper Rating:
| AA |
Listing Duration:
| 14 days
|
|
Minimum Amount to Fund:
| $2,520 |
Estimated loss*:
| 1.55% | | |
|
Term:
| 12 months | | | | |
|
|
Lender yield:
| 3.99% |
Borrower rate/APR:
| 4.99% / 5.93% |
Monthly payment:
| $308.17 |
| |
|
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:
| Feb-1993 |
Debt/Income ratio:
| 7% |
|
Credit score:
| 800-819 (Feb-2011) |
Inquiries last 6m:
| 0 | Employment status: | Employed |
|
Now delinquent:
| 0 |
Current / open credit lines:
| 12
/
12 | Length of status: | 8y 9m |
|
Amount delinquent:
| $0 |
Total credit lines:
| 14 |
Occupation: | Computer Programmer |
|
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $3,154 | Stated income: | $100,000+ |
|
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 4% | | |
| | |
Homeownership:
| No | | |
|
Screen name:
| invincible-loot0 |
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
Happy 5th Birthday Prosper!
Purpose of loan:
I want to earn the $300 bonus. The loan money will safely be in a reward checking account and not spent.
My financial situation:
I am an excellent candidate for this loan because I have stable employment in the IT field, have excellent credit, and have 18x the loan amount in savings (checking, savings, CD's).
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
494316
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:
| $5,712.00 |
Prosper Rating:
| A |
Listing Duration:
| 14 days
|
|
Minimum Amount to Fund:
| $3,998.40 |
Estimated loss*:
| 3.50% | | |
|
Term:
| 36 months | | | | |
|
|
Lender yield:
| 7.90% |
Borrower rate/APR:
| 8.90% / 10.99% |
Monthly payment:
| $181.37 |
| |
|
Lender servicing fee:
| 1.00% |
Effective Yield*:
| 7.88% | | |
| |
Estimated return*:
| 4.38% | | |
* 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:
| Aug-2006 |
Debt/Income ratio:
| 35% |
|
Credit score:
| 760-779 (Feb-2011) |
Inquiries last 6m:
| 0 | Employment status: | Employed |
|
Now delinquent:
| 0 |
Current / open credit lines:
| 19
/
17 | Length of status: | 1y 7m |
|
Amount delinquent:
| $0 |
Total credit lines:
| 39 |
Occupation: | Computer Programmer |
|
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $4,925 | Stated income: | $25,000-$49,999 |
|
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 17% | | |
| | |
Homeownership:
| No | | |
|
Screen name:
| point-vista |
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
Personal loan
Purpose of loan:
This loan will be used to pay off a personal debt balance.
My financial situation:
I am a good candidate for this loan because I am very responsible with money. I have a high credit score and very few bills so there is always money readily available to make the payment.
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
494320
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:
| HR |
Listing Duration:
| 14 days
|
|
Minimum Amount to Fund:
| $2,000 |
Estimated loss*:
| 18.30% | | |
|
Term:
| 36 months | | | | |
|
|
Lender yield:
| 30.25% |
Borrower rate/APR:
| 31.25% / 34.89% |
Monthly payment:
| $86.28 |
| |
|
Lender servicing fee:
| 1.00% |
Effective Yield*:
| 28.48% | | |
| |
Estimated return*:
| 10.18% | | |
* 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:
| Mar-1999 |
Debt/Income ratio:
| 27% |
|
Credit score:
| 640-659 (Jan-2011) |
Inquiries last 6m:
| 2 | Employment status: | Employed |
|
Now delinquent:
| 0 |
Current / open credit lines:
| 16
/
11 | Length of status: | 2y 2m |
|
Amount delinquent:
| $0 |
Total credit lines:
| 61 |
Occupation: | Other |
|
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $3,677 | Stated income: | $75,000-$99,999 |
|
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 62% | | |
| | |
Homeownership:
| No | | |
|
Screen name:
| sublime-peso0 |
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.
Prosper Activity
| Loan history | Payment history | Credit score history |
|
Active / total loans:
| 1 / 1 |
On-time:
| 10 ( 100% )
| 640-659 (Latest)
|
|
Principal borrowed:
| $7,500.00 | < 31 days late:
| 0
( 0% )
| 640-659
(Mar-2010)
|
|
Principal balance:
| $5,992.88 |
31+ days late:
| 0
( 0% )
|
|
Total payments billed:
| 10 | | |
Description
Automobile Purchase
Purpose of loan:
This loan will be used to help purchase a used 2000 Honda Accord for my elderly mother.
My financial situation:
I am a good candidate for this loan because I pay my obligations. I paid off $17,000 worth of Chase Credit Card debit in December 2010 and have paid my other Prosper Loan satisfactory to date.
Monthly net income: $5500.00
Monthly expenses: $1650.00
Housing: $700
Insurance: $100
Car expenses: $0.00
Utilities: $100.00
Phone, cable, internet: $100.00
Food, entertainment: $150.00
Clothing, household expenses: $100.00
Credit cards and other loans: $400.00
Other expenses: $0.00
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
494328
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:
| May-1985 |
Debt/Income ratio:
| 9% |
|
Credit score:
| 820-839 (Feb-2011) |
Inquiries last 6m:
| 0 | Employment status: | Employed |
|
Now delinquent:
| 0 |
Current / open credit lines:
| 8
/
8 | Length of status: | 11y 1m |
|
Amount delinquent:
| $0 |
Total credit lines:
| 17 |
Occupation: | Professional |
|
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $130,586 | Stated income: | $100,000+ |
|
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 39% | | |
| | |
Homeownership:
| Yes | | |
|
Screen name:
| AJJSJ |
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
Business Improvement
Purpose of loan:
This loan will be used to update rental propert
My financial situation:
I am a good candidate for this loan because property is already rented at positive cash flow.
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
494334
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:
| $6,500.00 |
Prosper Rating:
| D |
Listing Duration:
| 14 days
|
|
Minimum Amount to Fund:
| $4,550 |
Estimated loss*:
| 9.80% | | |
|
Term:
| 36 months | | | | |
|
|
Lender yield:
| 20.99% |
Borrower rate/APR:
| 21.99% / 25.42% |
Monthly payment:
| $248.20 |
| |
|
Lender servicing fee:
| 1.00% |
Effective Yield*:
| 20.48% | | |
| |
Estimated return*:
| 10.68% | | |
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
|
Prosper score (1-10):
| 6 |
First credit line:
| Jun-1987 |
Debt/Income ratio:
| 24% |
|
Credit score:
| 720-739 (Feb-2011) |
Inquiries last 6m:
| 0 | Employment status: | Employed |
|
Now delinquent:
| 0 |
Current / open credit lines:
| 15
/
14 | Length of status: | 24y 1m |
|
Amount delinquent:
| $0 |
Total credit lines:
| 43 |
Occupation: | Executive |
|
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $378,116 | Stated income: | $100,000+ |
|
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 99% | | |
| | |
Homeownership:
| Yes | | |
|
Screen name:
| platinum-castanets |
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:
| 1 / 1 |
On-time:
| 13 ( 100% )
| 720-739 (Latest)
|
|
Principal borrowed:
| $5,000.00 | < 31 days late:
| 0
( 0% )
| 700-719
(Dec-2009)
|
|
Principal balance:
| $3,411.99 |
31+ days late:
| 0
( 0% )
|
|
Total payments billed:
| 13 | | |
Description
Quarter Horse
Purpose of loan:
This loan will be used to... New Quarter Horse
My financial situation:
I am a good candidate for this loan because... I always pay my debt, 24 year job, home & property owner
Monthly net income: $7500
Monthly expenses: $
Housing: $1387.
Insurance: $150.00
Car expenses: $500.00
Utilities: $200.00
Phone, cable, internet: $200.00
Food, entertainment: $200.00
Clothing, household expenses: $200.00
Credit cards and other loans: $750.00
Other expenses: $200.00
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
494338
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:
| $3,600.00 |
Prosper Rating:
| AA |
Listing Duration:
| 14 days
|
|
Minimum Amount to Fund:
| $3,600 |
Estimated loss*:
| 1.55% | | |
|
Term:
| 12 months | | | | |
|
|
Lender yield:
| 3.99% |
Borrower rate/APR:
| 4.99% / 5.93% |
Monthly payment:
| $308.17 |
| |
|
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:
| Sep-2001 |
Debt/Income ratio:
| 10% |
|
Credit score:
| 720-739 (Feb-2011) |
Inquiries last 6m:
| 1 | Employment status: | Employed |
|
Now delinquent:
| 0 |
Current / open credit lines:
| 13
/
11 | Length of status: | 2y 8m |
|
Amount delinquent:
| $0 |
Total credit lines:
| 32 |
Occupation: | Engineer - Electric... |
|
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $12,882 | Stated income: | $75,000-$99,999 |
|
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 16% | | |
| | |
Homeownership:
| No | | |
|
Screen name:
| the-receptive-liberty |
Borrower's state:
| NewHampshire |
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
Prosper birthday loan (FW member)
Purpose of loan:
This loan will be used to get some extra money ($300 bonus - very small interest charges). Money will be in a rewards checking account paying 3.25% APY...
My financial situation:
I am a good candidate for this loan because I have steady income and no risk involved in this transaction! ;)
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
494344
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:
| $3,600.00 |
Prosper Rating:
| B |
Listing Duration:
| 14 days
|
|
Minimum Amount to Fund:
| $2,520 |
Estimated loss*:
| 5.95% | | |
|
Term:
| 36 months | | | | |
|
|
Lender yield:
| 12.99% |
Borrower rate/APR:
| 13.99% / 16.15% |
Monthly payment:
| $123.02 |
| |
|
Lender servicing fee:
| 1.00% |
Effective Yield*:
| 12.77% | | |
| |
Estimated return*:
| 6.82% | | |
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
|
Prosper score (1-10):
| 8 |
First credit line:
| Oct-1991 |
Debt/Income ratio:
| 18% |
|
Credit score:
| 740-759 (Feb-2011) |
Inquiries last 6m:
| 1 | Employment status: | Employed |
|
Now delinquent:
| 0 |
Current / open credit lines:
| 5
/
4 | Length of status: | 1y 4m |
|
Amount delinquent:
| $0 |
Total credit lines:
| 5 |
Occupation: | Scientist |
|
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $4,475 | Stated income: | $1-$24,999 |
|
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 10% | | |
| | |
Homeownership:
| No | | |
|
Screen name:
| magnetic-contract |
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
Scientist paying tuition
Purpose of loan:
This loan will be used to pay off student loans and credit card debt
My financial situation:
I am a good candidate for this loan because I have a steady job and great credit score. Moreover, I have very little expenses due to a low rent and currently no car.
Monthly net income: $
2500
Monthly expenses: $
1160
??Housing: $
550
??Insurance: $
15
??Car expenses: $
0
??Utilities: $
20
??Phone, cable, internet: $
25
??Food, entertainment: $ 300
??Clothing, household expenses $
50
??Credit cards and other loans: $ 200
??Other expenses: $
0
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
494358
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:
| $3,510.00 |
Prosper Rating:
| AA |
Listing Duration:
| 14 days
|
|
Minimum Amount to Fund:
| $3,510 |
Estimated loss*:
| 1.55% | | |
|
Term:
| 12 months | | | | |
|
|
Lender yield:
| 3.99% |
Borrower rate/APR:
| 4.99% / 5.93% |
Monthly payment:
| $300.47 |
| |
|
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:
| Jan-1997 |
Debt/Income ratio:
| 10% |
|
Credit score:
| 780-799 (Feb-2011) |
Inquiries last 6m:
| 0 | Employment status: | Employed |
|
Now delinquent:
| 0 |
Current / open credit lines:
| 6
/
6 | Length of status: | 1y 8m |
|
Amount delinquent:
| $0 |
Total credit lines:
| 10 |
Occupation: | Engineer - Mechanic... |
|
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $2,197 | Stated income: | $25,000-$49,999 |
|
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 3% | | |
| | |
Homeownership:
| No | | |
|
Screen name:
| thoughtful-truth720 |
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
Personal loan for my business (ebay
Purpose of loan:
This loan will be used to finance a business opportunity. There will be little to no risk as any product that is not sold will be able to be returned for the purchased price. Ebay
My financial situation:
I am a good candidate for this loan because I currently have no debt and pay all of my credit cards on time, and in full. I have a full time job that has be traveling during the week on a per diem which keeps my expenses extremely low. The last time I took out a loan, 12K for a new truck, I paid it back in under a year. I am very frugal with my money and enjoy FWF.
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
494378
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
|
Amount:
| $3,500.00 |
Prosper Rating:
| AA |
Listing Duration:
| 14 days
|
|
Minimum Amount to Fund:
| $2,450 |
Estimated loss*:
| 1.55% | | |
|
Term:
| 12 months | | | | |
|
|
Lender yield:
| 3.99% |
Borrower rate/APR:
| 4.99% / 5.93% |
Monthly payment:
| $299.61 |
| |
|
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:
| Sep-1992 |
Debt/Income ratio:
| 5% |
|
Credit score:
| 800-819 (Feb-2011) |
Inquiries last 6m:
| 0 | Employment status: | Employed |
|
Now delinquent:
| 0 |
Current / open credit lines:
| 15
/
15 | Length of status: | 2y 5m |
|
Amount delinquent:
| $0 |
Total credit lines:
| 24 |
Occupation: | Computer Programmer |
|
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $43,841 | Stated income: | $100,000+ |
|
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 15% | | |
| | |
Homeownership:
| No | | |
|
Screen name:
| patsfan54 |
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
Looking to insulate
Purpose of loan:
My house is 109 years old and leaks heat in many places. I'm would like to beef up the insulation and save myself some money as well as reducing my carbon footprint.
My financial situation:
My financial situation is excellent.
I'm a good candidate for this loan because I have a good salary (which I can document), a good credit score, and low debt relative to income and assets. I'm a senior software engineer and have been with my current employer for over 2 years.
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
494382
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
|
Amount:
| $3,500.00 |
Prosper Rating:
| A |
Listing Duration:
| 14 days
|
|
Minimum Amount to Fund:
| $2,450 |
Estimated loss*:
| 3.50% | | |
|
Term:
| 12 months | | | | |
|
|
Lender yield:
| 7.20% |
Borrower rate/APR:
| 8.20% / 13.97% |
Monthly payment:
| $304.78 |
| |
|
Lender servicing fee:
| 1.00% |
Effective Yield*:
| 7.19% | | |
| |
Estimated return*:
| 3.69% | | |
* 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:
| 3% |
|
Credit score:
| 760-779 (Feb-2011) |
Inquiries last 6m:
| 4 | Employment status: | Employed |
|
Now delinquent:
| 0 |
Current / open credit lines:
| 12
/
10 | Length of status: | 2y 6m |
|
Amount delinquent:
| $0 |
Total credit lines:
| 28 |
Occupation: | Professional |
|
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $3,423 | Stated income: | $100,000+ |
|
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 5% | | |
| | |
Homeownership:
| No | | |
|
Screen name:
| devoux |
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
Investment Funding Source
Purpose of loan:
This loan will be used to fund investments in low-risk, short-term fixed income securities (think CDs or high yield savings accounts).
My financial situation:
I am a good candidate for this loan because...1) I have a very good credit score and a lengthy, strong credit history, 2) I have high annual cash wages/salary and this is verifiable, 3) the proceeds of the loan will be invested in risk-free, short-term fixed income securities (think CDs or high yield savings accounts).
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
494384
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:
| 36 months | | | | |
|
|
Lender yield:
| 9.99% |
Borrower rate/APR:
| 10.99% / 13.11% |
Monthly payment:
| $65.47 |
| |
|
Lender servicing fee:
| 1.00% |
Effective Yield*:
| 9.83% | | |
| |
Estimated return*:
| 4.88% | | |
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
|
Prosper score (1-10):
| 8 |
First credit line:
| Jan-1988 |
Debt/Income ratio:
| 21% |
|
Credit score:
| 820-839 (Feb-2011) |
Inquiries last 6m:
| 2 | Employment status: | Employed |
|
Now delinquent:
| 0 |
Current / open credit lines:
| 10
/
9 | Length of status: | 0y 10m |
|
Amount delinquent:
| $0 |
Total credit lines:
| 33 |
Occupation: | Analyst |
|
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $3,899 | Stated income: | $1-$24,999 |
|
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 8% | | |
| | |
Homeownership:
| Yes | | |
|
Screen name:
| blue-duty-base |
Borrower's state:
| Idaho |
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:
| 6 ( 100% )
| 820-839 (Latest)
|
|
Principal borrowed:
| $3,500.00 | < 31 days late:
| 0
( 0% )
| 840-859
(Jul-2010)
|
|
Principal balance:
| $2,976.46 |
31+ days late:
| 0
( 0% )
|
|
Total payments billed:
| 6 | | |
Description
Vehicle maintenance
Purpose of loan:
This loan will be used to... purchase new tires and repair brakes, steering and suspension issues on my truck.
My financial situation:
I am a good candidate for this loan because...I value my credit rating, I don't carry much revolving debt and I am a very responsible father, husband and employee.
Monthly net income: $6,500 (household)
Monthly expenses: $
Housing: $1,500
Insurance: $120
Car expenses: $200
Utilities: $150
Phone, cable, internet: $100
Food, entertainment: $100
Clothing, household expenses: $100
Credit cards and other loans: $110
Other expenses: $800 (childcare)
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
494386
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
|
Amount:
| $4,000.00 |
Prosper Rating:
| HR |
Listing Duration:
| 14 days
|
|
Minimum Amount to Fund:
| $2,800 |
Estimated loss*:
| 18.30% | | |
|
Term:
| 36 months | | | | |
|
|
Lender yield:
| 30.25% |
Borrower rate/APR:
| 31.25% / 34.89% |
Monthly payment:
| $172.56 |
| |
|
Lender servicing fee:
| 1.00% |
Effective Yield*:
| 28.48% | | |
| |
Estimated return*:
| 10.18% | | |
* 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:
| Jul-1994 |
Debt/Income ratio:
| 46% |
|
Credit score:
| 620-639 (Feb-2011) |
Inquiries last 6m:
| 1 | Employment status: | Employed |
|
Now delinquent:
| 0 |
Current / open credit lines:
| 12
/
11 | Length of status: | 3y 9m |
|
Amount delinquent:
| $0 |
Total credit lines:
| 53 |
Occupation: | Administrative Assi... |
|
Public records last 12m / 10y:
| 0/ 1 |
Revolving credit balance:
| $11,953 | Stated income: | $25,000-$49,999 |
|
Delinquencies in last 7y:
| 4 |
Bankcard utilization:
| 73% | | |
| | |
Homeownership:
| Yes | | |
|
Screen name:
| diversification-bumblebee6 |
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.
Prosper Activity
| Loan history | Payment history | Credit score history |
|
Active / total loans:
| 1 / 1 |
On-time:
| 9 ( 100% )
| 620-639 (Latest)
|
|
Principal borrowed:
| $5,000.00 | < 31 days late:
| 0
( 0% )
| 660-679
(Apr-2010)
|
|
Principal balance:
| $4,104.37 |
31+ days late:
| 0
( 0% )
|
|
Total payments billed:
| 9 | | |
Description
Consolidate credit cards
Purpose of loan: payoff a credit cards and a small signature loan
This loan will be used to payoff credit card dept I incurred due to unexpected auto and medical expenses.
My financial situation is good. I've been employed with the same company for almost 4 years and I'm scheduled for a raise in May. My husband is also employed full time.
I am a good candidate for this loan because I have a current Prosper loan with an excellent 10 month payment history. Also, the monthly obligation for the new loan would be less than what I'm currently paying for credit card and signature loan dept.
Monthly net income: $1047.45
Monthly expenses: $50
Housing: $1000 - paid by husband
Insurance: 0 - escrowed
Car expenses: 0 - paid off
Utilities: $300 - paid by husband
Phone, cable, internet: $75
Food, entertainment: $200
Clothing, household expenses: $100 - paid by husband
Credit cards and other loans: $700
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
494388
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:
| $3,508.00 |
Prosper Rating:
| AA |
Listing Duration:
| 14 days
|
|
Minimum Amount to Fund:
| $2,455.60 |
Estimated loss*:
| 1.55% | | |
|
Term:
| 12 months | | | | |
|
|
Lender yield:
| 3.99% |
Borrower rate/APR:
| 4.99% / 5.93% |
Monthly payment:
| $300.29 |
| |
|
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:
| Oct-1999 |
Debt/Income ratio:
| 12% |
|
Credit score:
| 760-779 (Feb-2011) |
Inquiries last 6m:
| 1 | Employment status: | Employed |
|
Now delinquent:
| 0 |
Current / open credit lines:
| 13
/
12 | Length of status: | 6y 6m |
|
Amount delinquent:
| $0 |
Total credit lines:
| 36 |
Occupation: | Analyst |
|
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $1,455 | Stated income: | $25,000-$49,999 |
|
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 2% | | |
| | |
Homeownership:
| No | | |
|
Screen name:
| Denbo32 |
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
Short term Loan
Purpose of loan:
This loan will be used to pay off some short term loans. I don't want to use Credit Cards as the APR on my Credit Cards is 19.24% while Prosper is 4.99%
My financial situation:
I am a good candidate for this loan because I will have the cash to pay this loan back in June. I've been employed at the same place for over 6 years.
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
494396
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:
| $6,400.00 |
Prosper Rating:
| A |
Listing Duration:
| 14 days
|
|
Minimum Amount to Fund:
| $4,480 |
Estimated loss*:
| 3.50% | | |
|
Term:
| 36 months | | | | |
|
|
Lender yield:
| 7.90% |
Borrower rate/APR:
| 8.90% / 10.99% |
Monthly payment:
| $203.22 |
| |
|
Lender servicing fee:
| 1.00% |
Effective Yield*:
| 7.88% | | |
| |
Estimated return*:
| 4.38% | | |
* 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-1995 |
Debt/Income ratio:
| 18% |
|
Credit score:
| 740-759 (Feb-2011) |
Inquiries last 6m:
| 2 | Employment status: | Employed |
|
Now delinquent:
| 0 |
Current / open credit lines:
| 11
/
9 | Length of status: | 0y 10m |
|
Amount delinquent:
| $0 |
Total credit lines:
| 29 |
Occupation: | Computer Programmer |
|
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $43,731 | Stated income: | $75,000-$99,999 |
|
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 68% | | |
| | |
Homeownership:
| Yes | | |
|
Screen name:
| compatible-velocity9 |
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
I wish to sever ties with my bank
Purpose of loan:
This loan will be used to consolidate debt, eliminate my last relationship with a too big to fail bank (I have moved my assets to a credit union, but I still have an overdraft protection and credit card balance with that bank.)
My financial situation:
I am a good candidate for this loan because I have a job with a steady income, and I recognize the need to maintain my good name. I have never been delinquent on a loan in my entire life. I have used credit in various situations for over 15 years.
Also, I recognize that with the economy as it is today that it's extremely important to get into fixed-rate loans as opposed to variable-rate loans. Changing conditions in the world can cause an undesirable outcome very quickly.
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
494400
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
|
Amount:
| $3,500.00 |
Prosper Rating:
| B |
Listing Duration:
| 14 days
|
|
Minimum Amount to Fund:
| $2,450 |
Estimated loss*:
| 5.95% | | |
|
Term:
| 12 months | | | | |
|
|
Lender yield:
| 11.99% |
Borrower rate/APR:
| 12.99% / 18.83% |
Monthly payment:
| $312.59 |
| |
|
Lender servicing fee:
| 1.00% |
Effective Yield*:
| 11.79% | | |
| |
Estimated return*:
| 5.84% | | |
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
|
Prosper score (1-10):
| 8 |
First credit line:
| Aug-1999 |
Debt/Income ratio:
| 17% |
|
Credit score:
| 740-759 (Feb-2011) |
Inquiries last 6m:
| 3 | Employment status: | Employed |
|
Now delinquent:
| 0 |
Current / open credit lines:
| 13
/
11 | Length of status: | 1y 6m |
|
Amount delinquent:
| $0 |
Total credit lines:
| 34 |
Occupation: | Engineer - Electric... |
|
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $14,854 | Stated income: | $75,000-$99,999 |
|
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 28% | | |
| | |
Homeownership:
| Yes | | |
|
Screen name:
| spirited-loan2 |
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
Repair on Rental Property
Purpose of loan:
This loan will be used to cover repairs to my rental property from an ice storm.
My financial situation:
I am a good candidate for this loan because I have a solid job with a solid income.
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
494404
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:
| $12,500.00 |
Prosper Rating:
| AA |
Listing Duration:
| 14 days
|
|
Minimum Amount to Fund:
| $8,750 |
Estimated loss*:
| 1.55% | | |
|
Term:
| 60 months | | | | |
|
|
Lender yield:
| 8.60% |
Borrower rate/APR:
| 9.60% / 9.82% |
Monthly payment:
| $263.13 |
| |
|
Lender servicing fee:
| 1.00% |
Effective Yield*:
| 8.59% | | |
| |
Estimated return*:
| 7.04% | | |
* 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:
| Feb-1994 |
Debt/Income ratio:
| 3% |
|
Credit score:
| 800-819 (Feb-2011) |
Inquiries last 6m:
| 0 | Employment status: | Employed |
|
Now delinquent:
| 0 |
Current / open credit lines:
| 6
/
6 | Length of status: | 15y 7m |
|
Amount delinquent:
| $0 |
Total credit lines:
| 21 |
Occupation: | Professional |
|
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $87,809 | Stated income: | $100,000+ |
|
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 66% | | |
| | |
Homeownership:
| Yes | | |
|
Screen name:
| reliable-money8 |
Borrower's state:
| California |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Description
Debt Consolidation
Purpose of loan:
This loan will be used to payoff a high interest credit card.
My financial situation:
I am a good candidate for this loan because I have a history of good credit scores, a history of paying my debts on time and I have a solid career in the Information Technology sector.
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
494408
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:
| $4,135.00 |
Prosper Rating:
| A |
Listing Duration:
| 14 days
|
|
Minimum Amount to Fund:
| $2,894.50 |
Estimated loss*:
| 3.50% | | |
|
Term:
| 12 months | | | | |
|
|
Lender yield:
| 7.20% |
Borrower rate/APR:
| 8.20% / 13.97% |
Monthly payment:
| $360.08 |
| |
|
Lender servicing fee:
| 1.00% |
Effective Yield*:
| 7.19% | | |
| |
Estimated return*:
| 3.69% | | |
* 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:
| Apr-2005 |
Debt/Income ratio:
| 12% |
|
Credit score:
| 740-759 (Feb-2011) |
Inquiries last 6m:
| 2 | Employment status: | Employed |
|
Now delinquent:
| 0 |
Current / open credit lines:
| 13
/
11 | Length of status: | 0y 6m |
|
Amount delinquent:
| $0 |
Total credit lines:
| 21 |
Occupation: | Professional |
|
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $1,021 | Stated income: | $75,000-$99,999 |
|
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 2% | | |
| | |
Homeownership:
| No | | |
|
Screen name:
| transparent-justice6 |
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
Prosper Birthday Arbitrage
Purpose of loan:
This loan will be used to secure the $300 bonus payment from Prosper. This money will sit in a savings account and not do anything, and I'll come out ahead about $120.
My financial situation:
I am a good candidate for this loan because I read financially savvy blogs. I will get you a high internal rate of return for a nonperiodic cash flow (XIRR) -- pass me a question and I'll show you the math that proves that this is a solid investment.
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
494428
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
|
Amount:
| $3,500.00 |
Prosper Rating:
| AA |
Listing Duration:
| 14 days
|
|
Minimum Amount to Fund:
| $2,450 |
Estimated loss*:
| 1.55% | | |
|
Term:
| 12 months | | | | |
|
|
Lender yield:
| 3.99% |
Borrower rate/APR:
| 4.99% / 5.93% |
Monthly payment:
| $299.61 |
| |
|
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:
| May-2006 |
Debt/Income ratio:
| 8% |
|
Credit score:
| 760-779 (Feb-2011) |
Inquiries last 6m:
| 0 | Employment status: | Employed |
|
Now delinquent:
| 0 |
Current / open credit lines:
| 5
/
5 | Length of status: | 3y 9m |
|
Amount delinquent:
| $0 |
Total credit lines:
| 6 |
Occupation: | Engineer - Mechanic... |
|
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $4,342 | Stated income: | $50,000-$74,999 |
|
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 28% | | |
| | |
Homeownership:
| Yes | | |
|
Screen name:
| agreement-genome |
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
$3,500 loan for Prosper's Birthday
Purpose of loan:
This loan will be used to take advantage of Prosper's birthday deal that will make my second month's payment for me. The loan money will sit in my bank account until I get Prosper to pay my second month's payment for me as part of their birthday deal (http://blog.prosper.com/2011/02/16/we%e2%80%99re-turning-5-to-celebrate-your-second-payment-is-on-us/), and then I will repay the rest of the loan amount on the following month.
My financial situation:
I am a good candidate for this loan because I have over $4,000 in my bank account already, I will be getting a tax refund for $1,000 in a week, and I hae a stable, annual income of $60,000+ a year. I am using this loan just to get a hundred dollars or so for free by taking advantage of Prosper's birthday deal, and I have the resources to acquire and payback a $3,500 loan without any risk on my end.
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
494438
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
|
Amount:
| $3,500.00 |
Prosper Rating:
| A |
Listing Duration:
| 14 days
|
|
Minimum Amount to Fund:
| $2,450 |
Estimated loss*:
| 3.50% | | |
|
Term:
| 12 months | | | | |
|
|
Lender yield:
| 7.20% |
Borrower rate/APR:
| 8.20% / 13.97% |
Monthly payment:
| $304.78 |
| |
|
Lender servicing fee:
| 1.00% |
Effective Yield*:
| 7.19% | | |
| |
Estimated return*:
| 3.69% | | |
* 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:
| Aug-1993 |
Debt/Income ratio:
| 12% |
|
Credit score:
| 840-859 (Feb-2011) |
Inquiries last 6m:
| 2 | Employment status: | Employed |
|
Now delinquent:
| 0 |
Current / open credit lines:
| 11
/
9 | Length of status: | 8y 4m |
|
Amount delinquent:
| $0 |
Total credit lines:
| 16 |
Occupation: | Civil Service |
|
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $1,654 | Stated income: | $25,000-$49,999 |
|
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 2% | | |
| | |
Homeownership:
| Yes | | |
|
Screen name:
| elainguo |
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
Prosper B-Day
Purpose of loan:
This loan will be used to get $300 bonus, will pay off in 3 month
My financial situation:
I am a good candidate for this loan because I have over 30k in my saving account
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
494440
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:
| C |
Listing Duration:
| 14 days
|
|
Minimum Amount to Fund:
| $5,250 |
Estimated loss*:
| 8.70% | | |
|
Term:
| 36 months | | | | |
|
|
Lender yield:
| 18.49% |
Borrower rate/APR:
| 19.49% / 22.87% |
Monthly payment:
| $276.78 |
| |
|
Lender servicing fee:
| 1.00% |
Effective Yield*:
| 18.06% | | |
| |
Estimated return*:
| 9.36% | | |
* 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:
| Mar-1989 |
Debt/Income ratio:
| 11% |
|
Credit score:
| 700-719 (Feb-2011) |
Inquiries last 6m:
| 0 | Employment status: | Employed |
|
Now delinquent:
| 0 |
Current / open credit lines:
| 13
/
10 | Length of status: | 3y 5m |
|
Amount delinquent:
| $0 |
Total credit lines:
| 28 |
Occupation: | Chemist |
|
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $3,561 | Stated income: | $75,000-$99,999 |
|
Delinquencies in last 7y:
| 7 |
Bankcard utilization:
| 77% | | |
| | |
Homeownership:
| Yes | | |
|
Screen name:
| cucho2007 |
Borrower's state:
| Connecticut |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Description
Need money for credit card debt .
Purpose of loan:
This loan will be used to pay credit card and one loan.
My financial situation: good
I am a good candidate for this loan because I am up to date in everything, work full time and part time, professional
Monthly net income: $6,000
Monthly expenses: $ 300
Housing: $2,800
Insurance: $
Car expenses: $150
Utilities: $200
Phone, cable, internet: $135
Food, entertainment: $100
Clothing, household expenses: $100
Credit cards and other loans: $ 7,500
Other expenses: $
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
494444
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
|
Amount:
| $3,500.00 |
Prosper Rating:
| AA |
Listing Duration:
| 14 days
|
|
Minimum Amount to Fund:
| $2,450 |
Estimated loss*:
| 1.55% | | |
|
Term:
| 12 months | | | | |
|
|
Lender yield:
| 3.99% |
Borrower rate/APR:
| 4.99% / 5.93% |
Monthly payment:
| $299.61 |
| |
|
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:
| Aug-1994 |
Debt/Income ratio:
| 7% |
|
Credit score:
| 800-819 (Feb-2011) |
Inquiries last 6m:
| 4 | Employment status: | Employed |
|
Now delinquent:
| 0 |
Current / open credit lines:
| 9
/
8 | Length of status: | 9y 3m |
|
Amount delinquent:
| $0 |
Total credit lines:
| 17 |
Occupation: | Computer Programmer |
|
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $8,314 | Stated income: | $100,000+ |
|
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 11% | | |
| | |
Homeownership:
| Yes | | |
|
Screen name:
| exchange-wasp288 |
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
Debt Consolidation (FWF)
Purpose of loan:
Consolidate Debt
My financial situation:
Great job, great credit, just using to improve cashflow and avoid finance fees.
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
494454
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:
| $3,300.00 |
Prosper Rating:
| A |
Listing Duration:
| 14 days
|
|
Minimum Amount to Fund:
| $2,310 |
Estimated loss*:
| 3.50% | | |
|
Term:
| 12 months | | | | |
|
|
Lender yield:
| 7.20% |
Borrower rate/APR:
| 8.20% / 13.97% |
Monthly payment:
| $287.37 |
| |
|
Lender servicing fee:
| 1.00% |
Effective Yield*:
| 7.19% | | |
| |
Estimated return*:
| 3.69% | | |
* 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-1987 |
Debt/Income ratio:
| 8% |
|
Credit score:
| 820-839 (Feb-2011) |
Inquiries last 6m:
| 2 | Employment status: | Employed |
|
Now delinquent:
| 0 |
Current / open credit lines:
| 22
/
16 | Length of status: | 21y 2m |
|
Amount delinquent:
| $0 |
Total credit lines:
| 62 |
Occupation: | Engineer - Electric... |
|
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $6,562 | Stated income: | $100,000+ |
|
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 5% | | |
| | |
Homeownership:
| Yes | | |
|
Screen name:
| seabiker |
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
My loan for debt consolidation
Purpose of loan:
This loan will be used to pay off credit card balances that are at a higher interest rate.
My financial situation:
I am a good candidate for this loan because I have very good credit rating, and paying off this debt, even at the higher credit card interest rate, is well within my means. I have a stable job that I've held for many years and have manageable expenses.
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
494460
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:
| 24.99% |
Borrower rate/APR:
| 25.99% / 29.51% |
Monthly payment:
| $302.14 |
| |
|
Lender servicing fee:
| 1.00% |
Effective Yield*:
| 24.37% | | |
| |
Estimated return*:
| 13.57% | | |
* 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:
| May-1984 |
Debt/Income ratio:
| 41% |
|
Credit score:
| 720-739 (Feb-2011) |
Inquiries last 6m:
| 0 | Employment status: | Employed |
|
Now delinquent:
| 0 |
Current / open credit lines:
| 8
/
6 | Length of status: | 6y 4m |
|
Amount delinquent:
| $0 |
Total credit lines:
| 17 |
Occupation: | Professional |
|
Public records last 12m / 10y:
| 0/ 1 |
Revolving credit balance:
| $1,471 | Stated income: | $25,000-$49,999 |
|
Delinquencies in last 7y:
| 1 |
Bankcard utilization:
| 36% | | |
| | |
Homeownership:
| No | | |
|
Screen name:
| wdale01 |
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
Business Loan
Purpose of loan:
This loan will be used to...
My financial situation:
I am a good candidate for this loan because...
Monthly net income: $30,000
Monthly expenses: $2,625.00
Housing: $1,000
Insurance: $31.00
Car expenses: $576.00
Utilities: $300.00
Phone, cable, internet: $178.00
Food, entertainment: $200.00
Clothing, household expenses: $30.00
Credit cards and other loans: $250.00
Other expenses: $60.00
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
494462
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
|
Amount:
| $3,500.00 |
Prosper Rating:
| A |
Listing Duration:
| 14 days
|
|
Minimum Amount to Fund:
| $3,500 |
Estimated loss*:
| 3.50% | | |
|
Term:
| 12 months | | | | |
|
|
Lender yield:
| 7.20% |
Borrower rate/APR:
| 8.20% / 13.97% |
Monthly payment:
| $304.78 |
| |
|
Lender servicing fee:
| 1.00% |
Effective Yield*:
| 7.19% | | |
| |
Estimated return*:
| 3.69% | | |
* 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-2003 |
Debt/Income ratio:
| 13% |
|
Credit score:
| 740-759 (Feb-2011) |
Inquiries last 6m:
| 2 | Employment status: | Employed |
|
Now delinquent:
| 0 |
Current / open credit lines:
| 9
/
6 | Length of status: | 2y 6m |
|
Amount delinquent:
| $0 |
Total credit lines:
| 17 |
Occupation: | Other |
|
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $211 | Stated income: | $25,000-$49,999 |
|
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 1% | | |
| | |
Homeownership:
| No | | |
|
Screen name:
| rate-backer5 |
Borrower's state:
| DistrictOfColumbia |
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
Getting hitched in June!
Purpose of loan:
My wedding is in June and it is time to pay off the DJ, the Photographer, the Caterer, etc...lots of up-front costs. Need to borrow against future paychecks to make this happen...fortunately, I'm not responsible for the entire thing, and we aren't going all-out. A reasonable sum for a reasonable wedding.
My financial situation:
I have a moderate, steady income, as does my fiancee. I have more than enough left over after rent, etc, to pay this loan off over time. I'm in no danger (knock on wood) of getting laid off, and my fiancee has a steady, guaranteed stipend.
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
494464
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
|
Amount:
| $5,000.00 |
Prosper Rating:
| D |
Listing Duration:
| 14 days
|
|
Minimum Amount to Fund:
| $3,500 |
Estimated loss*:
| 10.80% | | |
|
Term:
| 36 months | | | | |
|
|
Lender yield:
| 24.99% |
Borrower rate/APR:
| 25.99% / 29.51% |
Monthly payment:
| $201.43 |
| |
|
Lender servicing fee:
| 1.00% |
Effective Yield*:
| 24.37% | | |
| |
Estimated return*:
| 13.57% | | |
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
|
Prosper score (1-10):
| 6 |
First credit line:
| Jun-1989 |
Debt/Income ratio:
| 24% |
|
Credit score:
| 680-699 (Feb-2011) |
Inquiries last 6m:
| 0 | Employment status: | Other |
|
Now delinquent:
| 0 |
Current / open credit lines:
| 19
/
15 | Length of status: | 4y 7m |
|
Amount delinquent:
| $0 |
Total credit lines:
| 45 |
Occupation: | Other |
|
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $32,561 | Stated income: | $100,000+ |
|
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 90% | | |
| | |
Homeownership:
| Yes | | |
|
Screen name:
| kindness-pole9 |
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
Home Improvement Loan
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
494474
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:
| 20.99% |
Borrower rate/APR:
| 21.99% / 25.42% |
Monthly payment:
| $286.39 |
| |
|
Lender servicing fee:
| 1.00% |
Effective Yield*:
| 20.48% | | |
| |
Estimated return*:
| 10.68% | | |
* 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-1997 |
Debt/Income ratio:
| 12% |
|
Credit score:
| 660-679 (Feb-2011) |
Inquiries last 6m:
| 0 | Employment status: | Employed |
|
Now delinquent:
| 2 |
Current / open credit lines:
| 6
/
5 | Length of status: | 0y 1m |
|
Amount delinquent:
| $437 |
Total credit lines:
| 21 |
Occupation: | Executive |
|
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $5,567 | Stated income: | $100,000+ |
|
Delinquencies in last 7y:
| 5 |
Bankcard utilization:
| 101% | | |
| | |
Homeownership:
| Yes | | |
|
Screen name:
| MoneyRZR1313 |
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.
Prosper Activity
| Loan history | Payment history | Credit score history |
|
Active / total loans:
| 1 / 1 |
On-time:
| 33 ( 100% )
| 660-679 (Latest)
|
|
Principal borrowed:
| $5,000.00 | < 31 days late:
| 0
( 0% )
| 640-659
(Apr-2008)
|
|
Principal balance:
| $480.95 |
31+ days late:
| 0
( 0% )
|
|
Total payments billed:
| 33 | | |
Description
I would much rather you prosper!
Purpose of loan:
This loan will be used to pay down my family's outstanding Credit Card Balances!
My financial situation:
I am a good candidate for this loan because I am in a high income job, but a large portion of my monthly income goes towards paying off our close to $25,000 in family credit card balances.
Most of these were acquired between 2004 and 2006 when we put my wife through her Master's Program. We have been chipping away ever since, but have resolved to eliminate ALL credit card debt over the next 24 months
Monthly net income: $9000
Monthly expenses: $
Housing: $1500
Insurance: $250
Car expenses: $0 (finally paid off both cars! woohoo!!)
Utilities: $400
Phone, cable, internet: $150
Food, entertainment: $800
Clothing, household expenses: $100
Credit cards and other loans: $1200
Other expenses: $misc $400
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
494478
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
|
Amount:
| $9,450.00 |
Prosper Rating:
| AA |
Listing Duration:
| 14 days
|
|
Minimum Amount to Fund:
| $6,615 |
Estimated loss*:
| 1.55% | | |
|
Term:
| 36 months | | | | |
|
|
Lender yield:
| 5.55% |
Borrower rate/APR:
| 6.55% / 6.89% |
Monthly payment:
| $289.85 |
| |
|
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-2000 |
Debt/Income ratio:
| 13% |
|
Credit score:
| 840-859 (Feb-2011) |
Inquiries last 6m:
| 0 | Employment status: | Employed |
|
Now delinquent:
| 0 |
Current / open credit lines:
| 16
/
16 | Length of status: | 6y 1m |
|
Amount delinquent:
| $0 |
Total credit lines:
| 32 |
Occupation: | Analyst |
|
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $3,693 | Stated income: | $100,000+ |
|
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 2% | | |
| | |
Homeownership:
| Yes | | |
|
Screen name:
| tcstings99 |
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
Budget reallocation
Purpose of loan:
This loan will be used to pay off my second loan completely. I have been paying this loan quickly as that rate is not as low as my first mortgage (3.875%)
My financial situation:
I am a good candidate for this loan because both my wife and I are employed. Currently, our emergency fund is at approximately 6 months of our expenses.
Net (after taxes / 401k)
$6,500
Expenses:
Mortgage: $1,800 (drops to $1,500) with loan
Savings: $2,000
Utilities: $400
Food: $600
Car Loan: $200
Gas: $300
HOA: $100
RE Taxes $300
Entertain $400
Misc. $200
_________________
As you can see, our budget does not tie to the dollar as I have rounded off the expenses and it currently allows for a little buffer in each account.
Please contact me if you have any questions.
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
494484
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
|
Amount:
| $3,500.00 |
Prosper Rating:
| AA |
Listing Duration:
| 14 days
|
|
Minimum Amount to Fund:
| $2,450 |
Estimated loss*:
| 1.55% | | |
|
Term:
| 12 months | | | | |
|
|
Lender yield:
| 3.99% |
Borrower rate/APR:
| 4.99% / 5.93% |
Monthly payment:
| $299.61 |
| |
|
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:
| Jun-2000 |
Debt/Income ratio:
| 5% |
|
Credit score:
| 780-799 (Feb-2011) |
Inquiries last 6m:
| 1 | Employment status: | Employed |
|
Now delinquent:
| 0 |
Current / open credit lines:
| 6
/
5 | Length of status: | 4y 7m |
|
Amount delinquent:
| $0 |
Total credit lines:
| 21 |
Occupation: | Engineer - Mechanic... |
|
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $2,751 | Stated income: | $75,000-$99,999 |
|
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 4% | | |
| | |
Homeownership:
| No | | |
|
Screen name:
| velocity-mussel |
Borrower's state:
| DistrictOfColumbia |
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
Increased Liquidity
Purpose of loan:
This loan will be used to take advantage of Prosper's 5-year anniversary offer of making the second payment for me.
My financial situation: I'm an AA rated borrower, who plans to invest the money in a rewards checking account during the pay-back period. This will add a paid off installment note to my credit report at very little cost to me, and little risk to you, the lender.
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
494490
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*:
| 1.30% | | |
|
Term:
| 36 months | | | | |
|
|
Lender yield:
| 4.99% |
Borrower rate/APR:
| 5.99% / 6.33% |
Monthly payment:
| $456.26 |
| |
|
Lender servicing fee:
| 1.00% |
Effective Yield*:
| 5.00% | | |
| |
Estimated return*:
| 3.70% | | |
* 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-1999 |
Debt/Income ratio:
| 21% |
|
Credit score:
| 780-799 (Feb-2011) |
Inquiries last 6m:
| 0 | Employment status: | Employed |
|
Now delinquent:
| 0 |
Current / open credit lines:
| 6
/
6 | Length of status: | 14y 8m |
|
Amount delinquent:
| $0 |
Total credit lines:
| 15 |
Occupation: | Skilled Labor |
|
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $1,063 | Stated income: | $25,000-$49,999 |
|
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 3% | | |
| | |
Homeownership:
| Yes | | |
|
Screen name:
| market-pudding |
Borrower's state:
| Wisconsin |
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:
| 7 ( 100% )
| 780-799 (Latest)
|
|
Principal borrowed:
| $4,000.00 | < 31 days late:
| 0
( 0% )
| 800-819
(Jul-2010)
|
|
Principal balance:
| $3,288.80 |
31+ days late:
| 0
( 0% )
|
|
Total payments billed:
| 7 | | |
Description
Investments
Purpose of loan:
This loan will be used for investments only. $3300 will be used to pay off current prosper loan. $5000 will used to purchase additional prosper notes, and the remaining money will deposited into my stock trading account.
My financial situation:
I am a good candidate for this loan because...I currently have 394 notes and intend to purchase another 200+. My net monthly income is $2850. Expenses are: house payment(inc taxes/ins)=$830, utilities(elec,phone,cable)=$360, food and credit card=$400, no vehicle payment ins=$50. I have approx $1200 extra a month to cover the cost of this loan not including the payments I receive from my prosper notes. Thank you
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
494492
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
|
|
Minimum Amount to Fund:
| $2,100 |
Estimated loss*:
| 10.80% | | |
|
Term:
| 36 months | | | | |
|
|
Lender yield:
| 24.99% |
Borrower rate/APR:
| 25.99% / 29.51% |
Monthly payment:
| $120.86 |
| |
|
Lender servicing fee:
| 1.00% |
Effective Yield*:
| 24.37% | | |
| |
Estimated return*:
| 13.57% | | |
* 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:
| Jun-1999 |
Debt/Income ratio:
| 12% |
|
Credit score:
| 740-759 (Feb-2011) |
Inquiries last 6m:
| 1 | Employment status: | Employed |
|
Now delinquent:
| 0 |
Current / open credit lines:
| 9
/
8 | Length of status: | 2y 2m |
|
Amount delinquent:
| $0 |
Total credit lines:
| 17 |
Occupation: | Sales - Commission |
|
Public records last 12m / 10y:
| 0/ 1 |
Revolving credit balance:
| $6,285 | Stated income: | $75,000-$99,999 |
|
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 68% | | |
| | |
Homeownership:
| Yes | | |
|
Screen name:
| twinsis |
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
Bathroom remodel
Purpose of loan: remodel bathroom
This loan will be used to...remodel bathroom in 1947 home.
My financial situation: Excellent
I am a good candidate for this loan because...I have excellent credit. Prosper shows me as 753 Experian score. I have good income, and have been in the same line of work for over 17 years now.
Monthly net income: $4500
Housing: $1737
Insurance: $100
Car expenses: $305
Utilities: $100
Phone, cable, internet: $100
Food, entertainment: $250
Clothing, household expenses: $250
Credit cards and other loans: $178
Other expenses: $
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
494504
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*:
| 5.95% | | |
|
Term:
| 12 months | | | | |
|
|
Lender yield:
| 11.99% |
Borrower rate/APR:
| 12.99% / 18.83% |
Monthly payment:
| $178.63 |
| |
|
Lender servicing fee:
| 1.00% |
Effective Yield*:
| 11.79% | | |
| |
Estimated return*:
| 5.84% | | |
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
|
Prosper score (1-10):
| 8 |
First credit line:
| Mar-2001 |
Debt/Income ratio:
| 17% |
|
Credit score:
| 760-779 (Feb-2011) |
Inquiries last 6m:
| 0 | Employment status: | Employed |
|
Now delinquent:
| 0 |
Current / open credit lines:
| 6
/
5 | Length of status: | 1y 9m |
|
Amount delinquent:
| $0 |
Total credit lines:
| 11 |
Occupation: | Administrative Assi... |
|
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $0 | Stated income: | $1-$24,999 |
|
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 0% | | |
| | |
Homeownership:
| No | | |
|
Screen name:
| sincere-truth113 |
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
Build Emergency Fund
Purpose of loan:
This loan will be used to build emergency fund
My financial situation:
I am a good candidate for this loan because I don't have any loan to pay. We bought a house 1.5 years back and put large down payment. I would like to rebuild the emergency fund .
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
494552
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
|
Amount:
| $4,000.00 |
Prosper Rating:
| E |
Listing Duration:
| 14 days
|
|
Minimum Amount to Fund:
| $2,800 |
Estimated loss*:
| 14.70% | | |
|
Term:
| 36 months | | | | |
|
|
Lender yield:
| 30.99% |
Borrower rate/APR:
| 31.99% / 35.64% |
Monthly payment:
| $174.20 |
| |
|
Lender servicing fee:
| 1.00% |
Effective Yield*:
| 29.57% | | |
| |
Estimated return*:
| 14.87% | | |
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
|
Prosper score (1-10):
| 4 |
First credit line:
| Apr-1978 |
Debt/Income ratio:
| 4% |
|
Credit score:
| 700-719 (Feb-2011) |
Inquiries last 6m:
| 2 | Employment status: | Employed |
|
Now delinquent:
| 0 |
Current / open credit lines:
| 0
/
0 | Length of status: | 4y 9m |
|
Amount delinquent:
| $0 |
Total credit lines:
| 6 |
Occupation: | Other |
|
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $0 | Stated income: | $50,000-$74,999 |
|
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 0% | | |
| | |
Homeownership:
| No | | |
|
Screen name:
| eloquent-gain0 |
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
Need To Increase Inventory
Purpose of loan:
This loan will be used to increase my inventory due to an increase in business.? I am an importer of cremation urns and wholesale them directly to licensed funeral homes and cemeteries.? My business has increased every month for that past 8 months.? I have secured a deal to distribute my products nationally through a well established company that has sales reps in 17 states.? My situation is that it takes anywhere from 45-60 days for my products to be built, shipped and arrive at my warehouse.? Payment has to be made upfront for these orders.? So to increase my inventory I need to payout a considerable amount, which will cause a cash flow problem.? Also note that the funeral/cremation business will be rising for the next 25 years as the baby boomers get older.? It will be the largest increase in this business ever reported.? Cremation Rate has double over the last 5 years in many states.?Of the 400 independent firms in Florida, i currently do business with 140.
Information in the Description is not verified.