Listing Report:Supplement No. 25 dated Mar 03, 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
494186
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):
| 6 |
First credit line:
| Sep-1996 |
Debt/Income ratio:
| 17% |
|
Credit score:
| 680-699 (Feb-2011) |
Inquiries last 6m:
| 2 | Employment status: | Employed |
|
Now delinquent:
| 1 |
Current / open credit lines:
| 12
/
12 | Length of status: | 7y 1m |
|
Amount delinquent:
| $149 |
Total credit lines:
| 29 |
Occupation: | Skilled Labor |
|
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $3,730 | Stated income: | $25,000-$49,999 |
|
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 11% | | |
| | |
Homeownership:
| No | | |
|
Screen name:
| lgeuther |
Borrower's state:
| Illinois |
Borrower's group:
| Debt Consolidators Unite! |
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:
| 44 ( 100% )
| 680-699 (Latest)
|
|
Principal borrowed:
| $4,998.00 | < 31 days late:
| 0
( 0% )
| 700-719
(Apr-2010)
680-699
(Feb-2010)
660-679
(Sep-2009)
660-679
(Aug-2009)
|
|
Principal balance:
| $2,457.06 |
31+ days late:
| 0
( 0% )
|
|
Total payments billed:
| 44 | | |
Description
new windows in home
Purpose of loan:
This loan will be used to...put new windows in my home, it will also pay off the other prosper loan
My financial situation:
I am a good candidate for this loan because...i am financially stable and up to date on all bills with no other loans other than my home
Monthly net income: $2500
Monthly expenses: $200
Housing: $200
Insurance: $40
Car expenses: $0
Utilities: $250
Phone, cable, internet: $100
Food, entertainment: $100
Clothing, household expenses: $50
Credit cards and other loans: $100
Other expenses: $100
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
495188
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
|
Amount:
| $2,500.00 |
Prosper Rating:
| HR |
Listing Duration:
| 14 days
|
|
Minimum Amount to Fund:
| $2,500 |
Estimated loss*:
| 18.30% | | |
|
Term:
| 36 months | | | | |
|
|
Lender yield:
| 30.99% |
Borrower rate/APR:
| 31.99% / 35.64% |
Monthly payment:
| $108.87 |
| |
|
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:
| Aug-1987 |
Debt/Income ratio:
| 37% |
|
Credit score:
| 680-699 (Feb-2011) |
Inquiries last 6m:
| 0 | Employment status: | Employed |
|
Now delinquent:
| 0 |
Current / open credit lines:
| 3
/
3 | Length of status: | 0y 2m |
|
Amount delinquent:
| $0 |
Total credit lines:
| 9 |
Occupation: | Skilled Labor |
|
Public records last 12m / 10y:
| 0/ 2 |
Revolving credit balance:
| $2,407 | Stated income: | $1-$24,999 |
|
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 97% | | |
| | |
Homeownership:
| No | | |
|
Screen name:
| a-spiritual-credit |
Borrower's state:
| Ohio |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Description
My loan for debt consolidation
Purpose of loan: debt consolidation
This loan will be used to...pay federal and state taxes from
unemployment.
My financial situation: I started a full time job Jan 31 2011
I am a good candidate for this loan because...I had a good credit
score befor the unemployment.
Monthly net income: $2000.00
Monthly expenses: $
Housing: $300 - rent
Insurance: $80.00 car
Car expenses: $512.00 - car payment
Utilities: $ N/A - rent
Phone, cable, internet: $78.00 Verizon
Food, entertainment: $25.00 wk. food
Clothing, household expenses: $10.00 wk other
Credit cards and other loans: $135.00 mo.
Other expenses: $
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
495784
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
|
Amount:
| $12,000.00 |
Prosper Rating:
| B |
Listing Duration:
| 14 days
|
|
Minimum Amount to Fund:
| $8,400 |
Estimated loss*:
| 5.95% | | |
|
Term:
| 36 months | | | | |
|
|
Lender yield:
| 12.99% |
Borrower rate/APR:
| 13.99% / 16.15% |
Monthly payment:
| $410.07 |
| |
|
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:
| Jan-1989 |
Debt/Income ratio:
| 14% |
|
Credit score:
| 800-819 (Feb-2011) |
Inquiries last 6m:
| 1 | Employment status: | Employed |
|
Now delinquent:
| 0 |
Current / open credit lines:
| 3
/
3 | Length of status: | 4y 4m |
|
Amount delinquent:
| $0 |
Total credit lines:
| 18 |
Occupation: | Other |
|
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $0 | Stated income: | $25,000-$49,999 |
|
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 0% | | |
| | |
Homeownership:
| No | | |
|
Screen name:
| first-attentive-credit |
Borrower's state:
| Ohio |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Description
Home Improvement
Purpose of loan:
This loan will be used to...
Finish basement and bathroom and finish the barn
My financial situation:
I am a good candidate for this loan because...we have steady jobs, have worked for our employers for years, never defaulted on a loan, do not have debt other than our cars and home (wells fargo furniture paid in full 6 months early). In addition, one of our cars will be paid in full in a few months, which will further reduce our monthly expenses.
Monthly net income: $6600.00
Monthly expenses: $
Housing: $1079
Insurance: $200
Car expenses: $900
Utilities: $300
Phone, cable, internet: $120
Food, entertainment: $600
Clothing, household expenses: $100
Credit cards and other loans: $0
Other expenses: $
100
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
496370
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
|
Amount:
| $7,500.00 |
Prosper Rating:
| E |
Listing Duration:
| 14 days
|
|
Minimum Amount to Fund:
| $5,250 |
Estimated loss*:
| 14.70% | | |
|
Term:
| 36 months | | | | |
|
|
Lender yield:
| 27.99% |
Borrower rate/APR:
| 28.99% / 32.58% |
Monthly payment:
| $314.25 |
| |
|
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:
| Aug-1994 |
Debt/Income ratio:
| 27% |
|
Credit score:
| 660-679 (Mar-2011) |
Inquiries last 6m:
| 0 | Employment status: | Employed |
|
Now delinquent:
| 0 |
Current / open credit lines:
| 4
/
3 | Length of status: | 4y 7m |
|
Amount delinquent:
| $0 |
Total credit lines:
| 30 |
Occupation: | Pilot - Private/Com... |
|
Public records last 12m / 10y:
| 0/ 1 |
Revolving credit balance:
| $4,993 | Stated income: | $25,000-$49,999 |
|
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 99% | | |
| | |
Homeownership:
| No | | |
|
Screen name:
| UND_Sioux |
Borrower's state:
| Texas |
Borrower's group:
| Debt Consolidators |
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:
| 24 ( 69% )
| 660-679 (Latest)
|
|
Principal borrowed:
| $8,000.00 | < 31 days late:
| 11
( 31% )
| 620-639
(Sep-2009)
620-639
(Dec-2007)
600-619
(Mar-2007)
600-619
(Mar-2007)
|
|
Principal balance:
| $0.00 |
31+ days late:
| 0
( 0% )
|
|
Total payments billed:
| 35 | | |
Description
2nd Prosper Loan- the rest of debt
Purpose of loan:
This loan will be used to consolidate debt and remain debt free.
My financial situation:
I am a good candidate for this loan because I have paid back one Prosper loan in full and I have the means to easily pay back this loan.
Monthly net income: $3000
Monthly expenses:
Housing: $ 500
Insurance: $ 100
Car expenses: $ 330
Phone, cable, internet: $ 75
Gas: $150
Food: $200
There will be over over $1655 extra to pay down this loan. Additionally, I should be getting nearly an 80% raise in July when I upgrade to Captain.
Please help me simplify my bills and help me pay off my debt once and for all. Thanks.
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
496374
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
|
Amount:
| $8,000.00 |
Prosper Rating:
| A |
Listing Duration:
| 14 days
|
|
Minimum Amount to Fund:
| $5,600 |
Estimated loss*:
| 3.25% | | |
|
Term:
| 36 months | | | | |
|
|
Lender yield:
| 7.29% |
Borrower rate/APR:
| 8.29% / 10.38% |
Monthly payment:
| $251.76 |
| |
|
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:
| Sep-1994 |
Debt/Income ratio:
| 35% |
|
Credit score:
| 740-759 (Mar-2011) |
Inquiries last 6m:
| 0 | Employment status: | Employed |
|
Now delinquent:
| 0 |
Current / open credit lines:
| 7
/
7 | Length of status: | 0y 11m |
|
Amount delinquent:
| $0 |
Total credit lines:
| 19 |
Occupation: | Other |
|
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $7,949 | Stated income: | $25,000-$49,999 |
|
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 27% | | |
| | |
Homeownership:
| Yes | | |
|
Screen name:
| currency-demon |
Borrower's state:
| Florida |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
| Loan history | Payment history | Credit score history |
|
Active / total loans:
| 0 / 2 |
On-time:
| 16 ( 100% )
| 740-759 (Latest)
|
|
Principal borrowed:
| $7,000.00 | < 31 days late:
| 0
( 0% )
| 740-759
(Nov-2009)
640-659
(Oct-2008)
|
|
Principal balance:
| $0.00 |
31+ days late:
| 0
( 0% )
|
|
Total payments billed:
| 16 | | |
Description
Investing in physical silver
Purpose of loan:
This loan will be used to purchase silver coins for long term investment
My financial situation:
I am a good candidate for this loan because I have a solid history and loan is backed by physical asset
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
496384
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):
| 7 |
First credit line:
| Apr-1993 |
Debt/Income ratio:
| 59% |
|
Credit score:
| 780-799 (Mar-2011) |
Inquiries last 6m:
| 0 | Employment status: | Employed |
|
Now delinquent:
| 0 |
Current / open credit lines:
| 12
/
10 | Length of status: | 0y 7m |
|
Amount delinquent:
| $0 |
Total credit lines:
| 42 |
Occupation: | Other |
|
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $1,150 | Stated income: | $1-$24,999 |
|
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 7% | | |
| | |
Homeownership:
| Yes | | |
|
Screen name:
| blueberry0 |
Borrower's state:
| Louisiana |
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
Adoption Fees
Purpose of loan:
This loan will be used to facilitate a domestic adoption. Due to a job, we had to relocate. Thus we own in one place and rent in another, and we do not have much in the way of savings.
My financial situation:
I always find a way to make ends meet. With some small exceptions, I also make my payments on time. If inadvertently there is an error, I remedy it pronto.
Husband and Wife Combined:
Monthly net income: $4000.00
Monthly expenses: $
Housing: $1900.00 (This includes the amount not made up for by the rent we get from our tenants.)
Insurance: $200.00
Car expenses: $350.00/mo. payment; $50/mo. gas
Utilities: $150.00
Phone, cable, internet: $200.00
Food, entertainment: $600.00
Clothing, household expenses: $200.00
Credit cards and other loans: $300.00
Other expenses: $100.00
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
496426
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:
| Apr-2000 |
Debt/Income ratio:
| 61% |
|
Credit score:
| 680-699 (Mar-2011) |
Inquiries last 6m:
| 1 | Employment status: | Employed |
|
Now delinquent:
| 0 |
Current / open credit lines:
| 20
/
20 | Length of status: | 16y 11m |
|
Amount delinquent:
| $0 |
Total credit lines:
| 38 |
Occupation: | Nurse's Aide |
|
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $16,888 | Stated income: | $25,000-$49,999 |
|
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 71% | | |
| | |
Homeownership:
| Yes | | |
|
Screen name:
| virtuous-generosity0 |
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
knowledgeable
Purpose of loan:
This loan will be used to...pay some bills
My financial situation:
I am a good candidate for this loan because.i will pay it off...
Monthly net income: $2.200
Monthly expenses: $700.00
Housing: $597.00
Insurance: $130.00
Car expenses: $
Utilities: $250.00
Phone, cable, internet: $127.00
Food, entertainment: $50.00
Clothing, household expenses: $150.00
Credit cards and other loans: $220.00
Other expenses: $
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
496454
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:
| C |
Listing Duration:
| 14 days
|
|
Minimum Amount to Fund:
| $2,100 |
Estimated loss*:
| 8.70% | | |
|
Term:
| 36 months | | | | |
|
|
Lender yield:
| 18.49% |
Borrower rate/APR:
| 19.49% / 22.87% |
Monthly payment:
| $110.71 |
| |
|
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:
| Oct-1997 |
Debt/Income ratio:
| 35% |
|
Credit score:
| 700-719 (Mar-2011) |
Inquiries last 6m:
| 0 | Employment status: | Employed |
|
Now delinquent:
| 0 |
Current / open credit lines:
| 14
/
10 | Length of status: | 9y 5m |
|
Amount delinquent:
| $0 |
Total credit lines:
| 29 |
Occupation: | Administrative Assi... |
|
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $6,097 | Stated income: | $50,000-$74,999 |
|
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 44% | | |
| | |
Homeownership:
| No | | |
|
Screen name:
| loan-tom-tom |
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-tom-tom
Purpose of loan:
This loan will be used to...pay my taxes and pay off another loan I have
My financial situation:
I am a good candidate for this loan because... I am dependable, have been on my job for almost 10 years, I have a good credit scored.
Monthly net income: $3396
Monthly expenses: $2100
Housing: $1100
Insurance: $52
Car expenses: $400
Utilities: $50
Phone, cable, internet: $68
Food, entertainment: $200
Clothing, household expenses: $200
Credit cards and other loans: $651
Other expenses: $
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
496347
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
|
Amount:
| $4,500.00 |
Prosper Rating:
| C |
Listing Duration:
| 14 days
|
|
Minimum Amount to Fund:
| $4,500 |
Estimated loss*:
| 8.70% | | |
|
Term:
| 36 months | | | | |
|
|
Lender yield:
| 18.49% |
Borrower rate/APR:
| 19.49% / 22.87% |
Monthly payment:
| $166.07 |
| |
|
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:
| Dec-1997 |
Debt/Income ratio:
| 5% |
|
Credit score:
| 680-699 (Mar-2011) |
Inquiries last 6m:
| 3 | Employment status: | Employed |
|
Now delinquent:
| 1 |
Current / open credit lines:
| 4
/
4 | Length of status: | 5y 9m |
|
Amount delinquent:
| $224 |
Total credit lines:
| 11 |
Occupation: | Professional |
|
Public records last 12m / 10y:
| 0/ 1 |
Revolving credit balance:
| $549 | Stated income: | $75,000-$99,999 |
|
Delinquencies in last 7y:
| 10 |
Bankcard utilization:
| 28% | | |
| | |
Homeownership:
| No | | |
|
Screen name:
| green-compassionate-duty |
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
Home Improvement
Purpose of loan:
After purchasing a multi-family for my parents it was discoverd that the stairs going to the second apartment had no permit. The funds will be used to get a house survey/architechual drawing and repair the stairs so they will pass the permit process. The house is sound but there simply was no permit issued when stairs going to the second floor were installed a few years ago.
My financial situation:
Outside of my own finances which is significant, the rental income from the 2 apartments have a plus income of over $500. The income from the property will pay for this loan.
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
496377
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:
| Nov-1994 |
Debt/Income ratio:
| 15% |
|
Credit score:
| 700-719 (Mar-2011) |
Inquiries last 6m:
| 0 | Employment status: | Employed |
|
Now delinquent:
| 0 |
Current / open credit lines:
| 9
/
9 | Length of status: | 5y 2m |
|
Amount delinquent:
| $0 |
Total credit lines:
| 39 |
Occupation: | Computer Programmer |
|
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $10,124 | Stated income: | $100,000+ |
|
Delinquencies in last 7y:
| 5 |
Bankcard utilization:
| 64% | | |
| | |
Homeownership:
| No | | |
|
Screen name:
| jo2y |
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
Improve interest rates.
Purpose of loan:
This loan will be used to pay off my high interest credit cards with a lower interest Prosper loan.
My financial situation:
I am a good candidate for this loan because I will pay it back.
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
496381
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):
| 9 |
First credit line:
| Jul-1999 |
Debt/Income ratio:
| 10% |
|
Credit score:
| 700-719 (Mar-2011) |
Inquiries last 6m:
| 0 | Employment status: | Employed |
|
Now delinquent:
| 0 |
Current / open credit lines:
| 4
/
4 | Length of status: | 4y 7m |
|
Amount delinquent:
| $0 |
Total credit lines:
| 17 |
Occupation: | Other |
|
Public records last 12m / 10y:
| 0/ 1 |
Revolving credit balance:
| $1,327 | Stated income: | $25,000-$49,999 |
|
Delinquencies in last 7y:
| 8 |
Bankcard utilization:
| 41% | | |
| | |
Homeownership:
| No | | |
|
Screen name:
| thunder787 |
Borrower's state:
| Ohio |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Description
For a good cause!
Purpose of loan:
This loan will be used to pay off high interest credit cards and to
do work on my vehicle, as its my means to commute for work.
My financial situation:
I am a good candidate for this loan because the extra cash will benefit
my credit as it will clear balances off credit cards and i like to think i am responsible with my money
Monthly net income: $1700
Monthly expenses: $950
Housing: $400
Insurance: $50
Car expenses: $100
Utilities: $(included in rent)
Phone, cable, internet: $(included in rent)
Food, entertainment: $200
Clothing, household expenses: $50
Credit cards and other loans: $150
Other expenses: $
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
496395
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
|
Amount:
| $6,000.00 |
Prosper Rating:
| D |
Listing Duration:
| 14 days
|
|
Minimum Amount to Fund:
| $4,200 |
Estimated loss*:
| 10.80% | | |
|
Term:
| 36 months | | | | |
|
|
Lender yield:
| 24.99% |
Borrower rate/APR:
| 25.99% / 29.51% |
Monthly payment:
| $241.71 |
| |
|
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:
| Apr-1974 |
Debt/Income ratio:
| Not calculated |
|
Credit score:
| 760-779 (Mar-2011) |
Inquiries last 6m:
| 0 | Employment status: | Not employed |
|
Now delinquent:
| 1 |
Current / open credit lines:
| 3
/
2 | Length of status: | 11y 7m |
|
Amount delinquent:
| $4,098 |
Total credit lines:
| 13 | Stated income: | Not employed |
|
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $27 | |
|
Delinquencies in last 7y:
| 4 |
Bankcard utilization:
| 1% | | |
| | |
Homeownership:
| Yes | | |
|
Screen name:
| trailblazer83 |
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
vinyl replacement windows
Purpose of loan: vinyl replacement windows
This loan will be used to...pay contractor
My financial situation: good
I am a good candidate for this loan because...
because i have cd that are maturiting on may that is what i will use for the payment of the loan
Monthly net income: $3600
Monthly expenses: $500
Housing: $0
Insurance: $0
Car expenses: $200
Utilities: $200
Phone, cable, internet: $100
Food, entertainment: $
Clothing, household expenses: $
Credit cards and other loans: $
Other expenses: $
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
496405
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:
| $14,000.00 |
Prosper Rating:
| B |
Listing Duration:
| 14 days
|
|
Minimum Amount to Fund:
| $14,000 |
Estimated loss*:
| 5.95% | | |
|
Term:
| 60 months | | | | |
|
|
Lender yield:
| 15.99% |
Borrower rate/APR:
| 16.99% / 18.41% |
Monthly payment:
| $347.86 |
| |
|
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:
| Nov-1985 |
Debt/Income ratio:
| 14% |
|
Credit score:
| 740-759 (Mar-2011) |
Inquiries last 6m:
| 3 | Employment status: | Employed |
|
Now delinquent:
| 0 |
Current / open credit lines:
| 11
/
11 | Length of status: | 1y 1m |
|
Amount delinquent:
| $0 |
Total credit lines:
| 19 |
Occupation: | Administrative Assi... |
|
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $6,686 | Stated income: | $50,000-$74,999 |
|
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 32% | | |
| | |
Homeownership:
| No | | |
|
Screen name:
| deal-cowbell9 |
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
Morgan Edwards
Purpose of loan:
This loan will be used to...
Purchase inventory for sales.
My financial situation:
I am a good candidate for this loan because...
Monthly net income: $ 3,600
Monthly expenses: $ 2,250
Housing: $ 1,345
Insurance: $ 50
Car expenses: $ 100
Utilities: $ 100
Phone, cable, internet: $ 50
Food, entertainment: $ 50
Clothing, household expenses: $ 400
Credit cards and other loans: $ 120
Other expenses: $
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
496433
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:
| $5,150.00 |
Prosper Rating:
| C |
Listing Duration:
| 14 days
|
|
Minimum Amount to Fund:
| $3,605 |
Estimated loss*:
| 8.70% | | |
|
Term:
| 36 months | | | | |
|
|
Lender yield:
| 18.49% |
Borrower rate/APR:
| 19.49% / 22.87% |
Monthly payment:
| $190.06 |
| |
|
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):
| 9 |
First credit line:
| May-2002 |
Debt/Income ratio:
| 8% |
|
Credit score:
| 660-679 (Mar-2011) |
Inquiries last 6m:
| 0 | Employment status: | Employed |
|
Now delinquent:
| 1 |
Current / open credit lines:
| 5
/
3 | Length of status: | 3y 4m |
|
Amount delinquent:
| $698 |
Total credit lines:
| 10 |
Occupation: | Sales - Retail |
|
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $878 | Stated income: | $25,000-$49,999 |
|
Delinquencies in last 7y:
| 8 |
Bankcard utilization:
| 45% | | |
| | |
Homeownership:
| No | | |
|
Screen name:
| inspired-payout4 |
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
Wedding in May 2011
Purpose of loan: Help with Wedding
This loan will be used to... help pay for the Wedding my Wife to be has dreamed of.
My financial situation: We have saved up but still want to be safe for any unexpected cost.
I am a good candidate for this loan because...I am hard worker, deligent to keeping a good relationship with partners such as yourself, by being truthful. I have made mistakes in the past, now knowing the importants of good credit not only for me, but my children & future family. I have taken on full parental custody of my 2 daughters. They inspire me everyday to not fail in anything I am involved in. Over the years I have implemented a daily expense sheet on myself to track my spending. My numbers are as follows:
Monthly net income: $2502
Monthly expenses: $2030
Housing: $ 1100 (covers Ins/Utilities/Phone)
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
496435
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:
| C |
Listing Duration:
| 14 days
|
|
Minimum Amount to Fund:
| $2,000 |
Estimated loss*:
| 8.70% | | |
|
Term:
| 36 months | | | | |
|
|
Lender yield:
| 18.49% |
Borrower rate/APR:
| 19.49% / 22.87% |
Monthly payment:
| $73.81 |
| |
|
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:
| May-2001 |
Debt/Income ratio:
| 13% |
|
Credit score:
| 700-719 (Mar-2011) |
Inquiries last 6m:
| 0 | Employment status: | Employed |
|
Now delinquent:
| 0 |
Current / open credit lines:
| 5
/
4 | Length of status: | 11y 1m |
|
Amount delinquent:
| $0 |
Total credit lines:
| 16 |
Occupation: | Military Enlisted |
|
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $2,313 | Stated income: | $25,000-$49,999 |
|
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 92% | | |
| | |
Homeownership:
| No | | |
|
Screen name:
| enticing-kindness2 |
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
pichonsito08
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
496459
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
|
Amount:
| $3,000.00 |
Prosper Rating:
| E |
Listing Duration:
| 14 days
|
|
Minimum Amount to Fund:
| $3,000 |
Estimated loss*:
| 14.70% | | |
|
Term:
| 36 months | | | | |
|
|
Lender yield:
| 30.99% |
Borrower rate/APR:
| 31.99% / 35.64% |
Monthly payment:
| $130.65 |
| |
|
Lender servicing fee:
| 1.00% |
Effective Yield*:
| 29.57% | | |
| |
Estimated return*:
| 14.87% | | |
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
|
Prosper score (1-10):
| 5 |
First credit line:
| Jan-1986 |
Debt/Income ratio:
| 52% |
|
Credit score:
| 700-719 (Mar-2011) |
Inquiries last 6m:
| 0 | Employment status: | Employed |
|
Now delinquent:
| 0 |
Current / open credit lines:
| 15
/
12 | Length of status: | 1y 7m |
|
Amount delinquent:
| $0 |
Total credit lines:
| 42 |
Occupation: | Professional |
|
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $27,087 | Stated income: | $25,000-$49,999 |
|
Delinquencies in last 7y:
| 2 |
Bankcard utilization:
| 98% | | |
| | |
Homeownership:
| Yes | | |
|
Screen name:
| dime-gazer |
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
Just trying to make a living!
Purpose of loan:
This loan will be used to...
My financial situation:
I am a good candidate for this loan because...I work hard and believe in paying my debts. Husband got laid off at work last year after making good money and it set us back a little!
Monthly net income: $2300.00
Monthly expenses: $ 2250.00
Housing: $
Insurance: $
Car expenses: $
Utilities: $ 400.00
Phone, cable, internet: $ 750.00
Food, entertainment: $100.00
Clothing, household expenses: $
Credit cards and other loans: $ 1000.00
Other expenses: $
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
496475
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
|
Amount:
| $7,500.00 |
Prosper Rating:
| E |
Listing Duration:
| 14 days
|
|
Minimum Amount to Fund:
| $5,250 |
Estimated loss*:
| 14.70% | | |
|
Term:
| 36 months | | | | |
|
|
Lender yield:
| 30.99% |
Borrower rate/APR:
| 31.99% / 35.64% |
Monthly payment:
| $326.62 |
| |
|
Lender servicing fee:
| 1.00% |
Effective Yield*:
| 29.57% | | |
| |
Estimated return*:
| 14.87% | | |
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
|
Prosper score (1-10):
| 5 |
First credit line:
| Feb-2001 |
Debt/Income ratio:
| 8% |
|
Credit score:
| 680-699 (Mar-2011) |
Inquiries last 6m:
| 8 | Employment status: | Employed |
|
Now delinquent:
| 0 |
Current / open credit lines:
| 6
/
6 | Length of status: | 19y 5m |
|
Amount delinquent:
| $0 |
Total credit lines:
| 9 |
Occupation: | Executive |
|
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $441 | Stated income: | $100,000+ |
|
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 20% | | |
| | |
Homeownership:
| No | | |
|
Screen name:
| nickel-sleuth484 |
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
Artist-President
Purpose of loan:
This loan will be used to...Home Improvement
My financial situation: Good
I am a good candidate for this loan because...I have a good income, I am dedicated to my work, & happily married; I do own my home but my mortgage is privately funded, and I have a perfect payment record.
Monthly net income: $ over 11,000
Monthly expenses: $
Housing: $ 4200
Insurance: $ 180
Car expenses: $ 100
Utilities: $ 400
Phone, cable, internet: $ 200
Food, entertainment: $
Clothing, household expenses: $
Credit cards and other loans: $ 450
Other expenses: $
Information in the Description is not verified.