Listing Report:Supplement No. 10 dated Mar 09, 2011 to Prospectus dated Mar 04, 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 Mar 04, 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 Mar 04, 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
488575
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:
| $2,800.00 |
Prosper Rating:
| C |
Listing Duration:
| 14 days
|
|
Minimum Amount to Fund:
| $2,800 |
Estimated loss*:
| 8.70% | | |
|
Term:
| 36 months | | | | |
|
|
Lender yield:
| 18.49% |
Borrower rate/APR:
| 19.49% / 22.87% |
Monthly payment:
| $103.33 |
| |
|
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:
| Sep-2000 |
Debt/Income ratio:
| 7% |
|
Credit score:
| 640-659 (Mar-2011) |
Inquiries last 6m:
| 0 | Employment status: | Employed |
|
Now delinquent:
| 1 |
Current / open credit lines:
| 6
/
5 | Length of status: | 8y 6m |
|
Amount delinquent:
| $78 |
Total credit lines:
| 19 |
Occupation: | Other |
|
Public records last 12m / 10y:
| 0/ 1 |
Revolving credit balance:
| $458 | Stated income: | $25,000-$49,999 |
|
Delinquencies in last 7y:
| 8 |
Bankcard utilization:
| 70% | | |
| | |
Homeownership:
| Yes | | |
|
Screen name:
| tuere25 |
Borrower's state:
| Georgia |
Borrower's group:
| eBay Sellers Helping Others |
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: To consolidate some credit cards and other bills
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
490043
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:
| $3,200.00 |
Prosper Rating:
| B |
Listing Duration:
| 14 days
|
|
Minimum Amount to Fund:
| $2,240 |
Estimated loss*:
| 4.95% | | |
|
Term:
| 12 months | | | | |
|
|
Lender yield:
| 9.00% |
Borrower rate/APR:
| 10.00% / 15.80% |
Monthly payment:
| $281.33 |
| |
|
Lender servicing fee:
| 1.00% |
Effective Yield*:
| 8.86% | | |
| |
Estimated return*:
| 3.91% | | |
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
|
Prosper score (1-10):
| 8 |
First credit line:
| Sep-1994 |
Debt/Income ratio:
| 73% |
|
Credit score:
| 720-739 (Mar-2011) |
Inquiries last 6m:
| 0 | Employment status: | Employed |
|
Now delinquent:
| 0 |
Current / open credit lines:
| 9
/
8 | Length of status: | 13y 4m |
|
Amount delinquent:
| $0 |
Total credit lines:
| 29 |
Occupation: | Administrative Assi... |
|
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $46,169 | Stated income: | $25,000-$49,999 |
|
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 59% | | |
| | |
Homeownership:
| No | | |
|
Screen name:
| efficient-kindness8 |
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.
Prosper Activity
| Loan history | Payment history | Credit score history |
|
Active / total loans:
| 1 / 1 |
On-time:
| 11 ( 100% )
| 720-739 (Latest)
|
|
Principal borrowed:
| $7,800.00 | < 31 days late:
| 0
( 0% )
| 720-739
(Mar-2010)
|
|
Principal balance:
| $5,662.88 |
31+ days late:
| 0
( 0% )
|
|
Total payments billed:
| 11 | | |
Description
The tax man slammed me!
The purpose of this loan is to pay off my tax bill. In an effort to add more $$ to my monthly budget, I had too little withholding taken out. A bitter lesson learned!
My financial situation is good, I am fairly stable. I do have another Prosper loan which is approx. 1 year old. That loan was used to consolidate some credit card debt, and I am continuing to pay along on that. I have never missed a payment on that loan.
Monthly net income:$6400
Monthly expenses: $6000
Housing $789/mo (renting)
Car expenses: $364/mo (1 vehicle has been paid off since November, and we are allocating it's previous $444/mo payment to the remaining vehicle to pay this one off early. At this rate it will be paid off in September).
Phone, food, etc: all lumped in remaining monthly expenses
I thought about the option of having this loan for 3 yrs, but would rather pay it off in 1 year and be DONE WITH IT!
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
496879
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:
| 60 months | | | | |
|
|
Lender yield:
| 8.60% |
Borrower rate/APR:
| 9.60% / 9.82% |
Monthly payment:
| $210.51 |
| |
|
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:
| Aug-1995 |
Debt/Income ratio:
| 12% |
|
Credit score:
| 840-859 (Mar-2011) |
Inquiries last 6m:
| 0 | Employment status: | Employed |
|
Now delinquent:
| 0 |
Current / open credit lines:
| 10
/
9 | Length of status: | 0y 6m |
|
Amount delinquent:
| $0 |
Total credit lines:
| 17 |
Occupation: | Professional |
|
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $4,721 | Stated income: | $100,000+ |
|
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 11% | | |
| | |
Homeownership:
| Yes | | |
|
Screen name:
| inventive-dedication9 |
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
Bottleneck Film Co.
This loan will be used for pre-production financing for an independent film, "Caballero". Funding sources, including a grant for over $250,000, have been lined up for this project and significant funds should be secured within the year.
I am a good candidate for this loan because I have excellent credit, a combined household income of $300,000 and minimal debt. Even if the financial viability of the project were to be called into question, I have a stable career in the healthcare industry and am not relying on the success of "Caballero" to repay the loan.
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
497151
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:
| Jan-1974 |
Debt/Income ratio:
| Not calculated |
|
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: | 15y 11m |
|
Amount delinquent:
| $0 |
Total credit lines:
| 27 |
Occupation: | Other |
|
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $15,751 | Stated income: | $50,000-$74,999 |
|
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 73% | | |
| | |
Homeownership:
| No | | |
|
Screen name:
| johnn9977 |
Borrower's state:
| California |
Borrower's group:
| Ivo and Friends |
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:
| 20 ( 100% )
| 660-679 (Latest)
|
|
Principal borrowed:
| $6,600.00 | < 31 days late:
| 0
( 0% )
| 660-679
(May-2006)
|
|
Principal balance:
| $0.00 |
31+ days late:
| 0
( 0% )
|
|
Total payments billed:
| 20 | | |
Description
good guy
Purpose of loan:
This loan will be used to...
help with hurt leg
My financial situation:
I am a good candidate for this loan because...
I always pay my bills on time.
Monthly net income: $4800
Monthly expenses: $1120
Housing: $0
Insurance: $70
Car expenses: $400
Utilities: $80
Phone, cable, internet: $60
Food, entertainment: $300
Clothing, household expenses: $60
Credit cards and other loans: $400
Other expenses: $0
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
497157
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:
| Dec-1991 |
Debt/Income ratio:
| 10% |
|
Credit score:
| 700-719 (Mar-2011) |
Inquiries last 6m:
| 5 | Employment status: | Employed |
|
Now delinquent:
| 0 |
Current / open credit lines:
| 16
/
16 | Length of status: | 0y 4m |
|
Amount delinquent:
| $0 |
Total credit lines:
| 41 |
Occupation: | Executive |
|
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $10,243 | Stated income: | $100,000+ |
|
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 76% | | |
| | |
Homeownership:
| No | | |
|
Screen name:
| coin-historian5 |
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
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
497207
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:
| AA |
Listing Duration:
| 14 days
|
|
Minimum Amount to Fund:
| $8,400 |
Estimated loss*:
| 1.55% | | |
|
Term:
| 60 months | | | | |
|
|
Lender yield:
| 8.60% |
Borrower rate/APR:
| 9.60% / 9.82% |
Monthly payment:
| $252.61 |
| |
|
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:
| Jun-1998 |
Debt/Income ratio:
| 7% |
|
Credit score:
| 760-779 (Mar-2011) |
Inquiries last 6m:
| 0 | Employment status: | Employed |
|
Now delinquent:
| 0 |
Current / open credit lines:
| 9
/
9 | Length of status: | 3y 5m |
|
Amount delinquent:
| $0 |
Total credit lines:
| 20 |
Occupation: | Professional |
|
Public records last 12m / 10y:
| 0/ 1 |
Revolving credit balance:
| $11,991 | Stated income: | $50,000-$74,999 |
|
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 45% | | |
| | |
Homeownership:
| Yes | | |
|
Screen name:
| the-market-pinnacle |
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
BMG2010
Purpose of loan:
This loan will be used to...consolidate high interest rate credit cards and pay them off.
My financial situation:
I am a good candidate for this loan because...I am in a profession that is stable and always will be and that is in personal and commercial lines insurance. I have great income and also my spouse works full time as well. We always pay our bills on time and make sure we do our best to keep our credit score as high as possible.
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
497239
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):
| 4 |
First credit line:
| Oct-1999 |
Debt/Income ratio:
| Not calculated |
|
Credit score:
| 700-719 (Mar-2011) |
Inquiries last 6m:
| 1 | Employment status: | Employed |
|
Now delinquent:
| 0 |
Current / open credit lines:
| 7
/
6 | Length of status: | 10y 4m |
|
Amount delinquent:
| $0 |
Total credit lines:
| 20 |
Occupation: | Administrative Assi... |
|
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $7,973 | Stated income: | $25,000-$49,999 |
|
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 58% | | |
| | |
Homeownership:
| No | | |
|
Screen name:
| red-unbeatable-agreement |
Borrower's state:
| Arkansas |
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
rae
Purpose of loan:
This loan will be used to...
Pay off debt
My financial situation: fair
I am a good candidate for this loan because...I can make the monthly payments
Monthly net income: $1400.00
Monthly expenses: 100.00
ing: $390.00
Insurance: $108.00 mthly
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
497275
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):
| 6 |
First credit line:
| Jan-1997 |
Debt/Income ratio:
| 20% |
|
Credit score:
| 780-799 (Feb-2011) |
Inquiries last 6m:
| 3 | Employment status: | Employed |
|
Now delinquent:
| 1 |
Current / open credit lines:
| 18
/
13 | Length of status: | 3y 1m |
|
Amount delinquent:
| $291 |
Total credit lines:
| 25 |
Occupation: | Professional |
|
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $3,256 | Stated income: | $75,000-$99,999 |
|
Delinquencies in last 7y:
| 4 |
Bankcard utilization:
| 10% | | |
| | |
Homeownership:
| Yes | | |
|
Screen name:
| useful221 |
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: Finish basement
This loan will be used to finish my basement so that my in-laws could move in with me. For the past 7 years my husband & I have been paying my mother-in-law $1,000 a month for taking care of our 3 small children while we work. If my in-laws moved in with us, she would watch them for free in lieu of paying rent & the money used to pay her would be used to pay off this loan instead.
Unfortunately I have not qualified for a home improvement loan through conventional methods due to the housing market being low in my area & I am now in an upside down mortgage with no equity. Finishing the basement will increase property value; allowing me to see a return on investment that I do not see in paying my mother-in-law. My income is solid & steadily increasing & by having my in-laws with me they would be readily available to watch my children which will allow me to travel more for my employer which will increase my salary further.
Monthly net income:$6,000
Monthly expenses:$4,000
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
497293
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:
| $4,000 |
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:
| Jun-1998 |
Debt/Income ratio:
| 26% |
|
Credit score:
| 640-659 (Mar-2011) |
Inquiries last 6m:
| 1 | Employment status: | Employed |
|
Now delinquent:
| 0 |
Current / open credit lines:
| 6
/
6 | Length of status: | 3y 8m |
|
Amount delinquent:
| $0 |
Total credit lines:
| 18 |
Occupation: | Nurse (RN) |
|
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $6,617 | Stated income: | $25,000-$49,999 |
|
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 95% | | |
| | |
Homeownership:
| No | | |
|
Screen name:
| bonus-chestnut266 |
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
Blessing
Purpose of loan:
This loan will be used to... further my finances
My financial situation:
I am a good candidate for this loan because... I pay by bills on time
Monthly net income: $ 4,000
Monthly expenses: $ 2,500
Housing: $ 0000
Insurance: $ 350
Car expenses: $ 1,000
Utilities: $ 0000
Phone, cable, internet: $ 0000
Food, entertainment: $ 350
Clothing, household expenses: $ 200
Credit cards and other loans: $ 500
Other expenses: $ 150
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
497315
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:
| Dec-1995 |
Debt/Income ratio:
| 20% |
|
Credit score:
| 680-699 (Mar-2011) |
Inquiries last 6m:
| 1 | Employment status: | Employed |
|
Now delinquent:
| 0 |
Current / open credit lines:
| 19
/
19 | Length of status: | 7y 10m |
|
Amount delinquent:
| $0 |
Total credit lines:
| 36 |
Occupation: | Other |
|
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $7,116 | Stated income: | $75,000-$99,999 |
|
Delinquencies in last 7y:
| 3 |
Bankcard utilization:
| 49% | | |
| | |
Homeownership:
| Yes | | |
|
Screen name:
| wise-profitable-asset |
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
I need fund for home improvement
Purpose of loan: to finish swimming pool
My financial situation: I need the fund temporary until I can redeem my REIT investment account in July
I am a good candidate for this loan because I make payment on time every month
Monthly net income: $ 6000
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
497363
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:
| C |
Listing Duration:
| 14 days
|
|
Minimum Amount to Fund:
| $4,200 |
Estimated loss*:
| 8.70% | | |
|
Term:
| 36 months | | | | |
|
|
Lender yield:
| 18.49% |
Borrower rate/APR:
| 19.49% / 22.87% |
Monthly payment:
| $221.43 |
| |
|
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-2004 |
Debt/Income ratio:
| 11% |
|
Credit score:
| 680-699 (Mar-2011) |
Inquiries last 6m:
| 0 | Employment status: | Employed |
|
Now delinquent:
| 0 |
Current / open credit lines:
| 2
/
2 | Length of status: | 9y 10m |
|
Amount delinquent:
| $0 |
Total credit lines:
| 15 |
Occupation: | Military Enlisted |
|
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $686 | Stated income: | $25,000-$49,999 |
|
Delinquencies in last 7y:
| 11 |
Bankcard utilization:
| 83% | | |
| | |
Homeownership:
| No | | |
|
Screen name:
| enterprising-revenue225 |
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
NeNe
No description was provided by the borrower.
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
497399
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:
| C |
Listing Duration:
| 14 days
|
|
Minimum Amount to Fund:
| $4,900 |
Estimated loss*:
| 8.70% | | |
|
Term:
| 36 months | | | | |
|
|
Lender yield:
| 18.49% |
Borrower rate/APR:
| 19.49% / 22.87% |
Monthly payment:
| $258.33 |
| |
|
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:
| Apr-1985 |
Debt/Income ratio:
| 9% |
|
Credit score:
| 680-699 (Mar-2011) |
Inquiries last 6m:
| 2 | Employment status: | Employed |
|
Now delinquent:
| 0 |
Current / open credit lines:
| 7
/
7 | Length of status: | 5y 4m |
|
Amount delinquent:
| $0 |
Total credit lines:
| 16 |
Occupation: | Professional |
|
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $5,559 | Stated income: | $50,000-$74,999 |
|
Delinquencies in last 7y:
| 3 |
Bankcard utilization:
| 27% | | |
| | |
Homeownership:
| No | | |
|
Screen name:
| agreement-wahoo3 |
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
Personal Finance Loan
Purpose of loan:
Consolidate existing debt into one easy payment at a lower rate, and have money towards auto repairs.
My financial situation:
I am gainfully employed with a Fortune 500 Company on a very secure client portfolio, in a very stable Washington DC market.
Monthly net income: $3,563.95
Monthly expenses: $2,300 (includes all housing and below)
Housing: $1,600
Insurance: $93.52
Car expenses: $0
Utilities: $150
Phone, cable, internet: $0
Food, entertainment: $500
Clothing, household expenses: $0
Credit cards and other loans: $150 (which would go away if placed within this loan I am applying for)
Other expenses: $0
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
496120
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:
| Mar-2002 |
Debt/Income ratio:
| 22% |
|
Credit score:
| 660-679 (Feb-2011) |
Inquiries last 6m:
| 5 | Employment status: | Employed |
|
Now delinquent:
| 0 |
Current / open credit lines:
| 10
/
7 | Length of status: | 4y 2m |
|
Amount delinquent:
| $0 |
Total credit lines:
| 19 |
Occupation: | Professional |
|
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $2,897 | Stated income: | $50,000-$74,999 |
|
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 48% | | |
| | |
Homeownership:
| No | | |
|
Screen name:
| robd_volvo_lotus |
Borrower's state:
| California |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
| Loan history | Payment history | Credit score history |
|
Active / total loans:
| 0 / 1 |
On-time:
| 27 ( 100% )
| 660-679 (Latest)
|
|
Principal borrowed:
| $10,000.00 | < 31 days late:
| 0
( 0% )
| 600-619
(Oct-2006)
|
|
Principal balance:
| $0.01 |
31+ days late:
| 0
( 0% )
|
|
Total payments billed:
| 27 | | |
Description
Starting a Swim Business
This loan will be used to help get my new business started. I'll be doing ocean swim training & tours at the beach where I train. Over the last couple years I've built up a brand and reputation within the ocean swimming community and this is an extension of that work. The business itself doesn't require much cash to get going, but I do need to have some cash on hand to take care of permits, insurance, a little bit of equipment, and things like that while I start building up my income. I helped launch my current business (which I'm not leaving) in 2007 and it has been successful and profitable every year since.
I am a good candidate for this loan because even if the business fails this is a payment I can afford to make. I've previously borrowed $10000 via Prosper & paid it all back well before the end of my loan term.
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
496552
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:
| D |
Listing Duration:
| 14 days
|
|
Minimum Amount to Fund:
| $12,000 |
Estimated loss*:
| 10.80% | | |
|
Term:
| 36 months | | | | |
|
|
Lender yield:
| 24.99% |
Borrower rate/APR:
| 25.99% / 29.51% |
Monthly payment:
| $483.42 |
| |
|
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:
| Sep-1986 |
Debt/Income ratio:
| 13% |
|
Credit score:
| 680-699 (Mar-2011) |
Inquiries last 6m:
| 1 | Employment status: | Employed |
|
Now delinquent:
| 4 |
Current / open credit lines:
| 4
/
4 | Length of status: | 2y 6m |
|
Amount delinquent:
| $0 |
Total credit lines:
| 34 |
Occupation: | Professional |
|
Public records last 12m / 10y:
| 0/ 1 |
Revolving credit balance:
| $4,879 | Stated income: | $75,000-$99,999 |
|
Delinquencies in last 7y:
| 7 |
Bankcard utilization:
| 68% | | |
| | |
Homeownership:
| No | | |
|
Screen name:
| diligent-wampum |
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
Debt Consolidation
Purpose of loan:
This loan will be used to consolidate my debt and work on increasing my credit rating.
My financial situation:
I am a good candidate for this loan because I am working full time, responsible, and looking to improve my financial history.
Monthly net income: $3840.00
Monthly expenses: $
Housing: $1520.00
Insurance: $200.00
Car expenses: $350.00
Utilities: $125.00
Phone, cable, internet: $325.00
Food, entertainment: $250.00
Clothing, household expenses: $350.00
Credit cards and other loans: $500.00
Other expenses: $
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
496892
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:
| AA |
Listing Duration:
| 14 days
|
|
Minimum Amount to Fund:
| $5,600 |
Estimated loss*:
| 1.55% | | |
|
Term:
| 60 months | | | | |
|
|
Lender yield:
| 8.60% |
Borrower rate/APR:
| 9.60% / 9.82% |
Monthly payment:
| $168.41 |
| |
|
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:
| Aug-1991 |
Debt/Income ratio:
| 16% |
|
Credit score:
| 740-759 (Mar-2011) |
Inquiries last 6m:
| 0 | Employment status: | Employed |
|
Now delinquent:
| 0 |
Current / open credit lines:
| 13
/
13 | Length of status: | 11y 4m |
|
Amount delinquent:
| $0 |
Total credit lines:
| 45 |
Occupation: | Sales - Commission |
|
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $24,006 | Stated income: | $50,000-$74,999 |
|
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 34% | | |
| | |
Homeownership:
| Yes | | |
|
Screen name:
| brian25676 |
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
My loan for debt consolidation
Purpose of loan:
This loan will be used to consolidate and pay off credit cards.
My financial situation:
I am a good candidate for this loan because I have always paid my debts on time. I have a high credit score with zero late payments. I own a home and have cash reserves available in the case of an emergency. I have been employed by IBM for 10 years with a stable and bright future. The main purpose of this loan is so I can stop shoveling money into the mouths of the big banks, whose interests seem to be in direct conflict with mine and this country's.
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
497114
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:
| D |
Listing Duration:
| 14 days
|
|
Minimum Amount to Fund:
| $7,000 |
Estimated loss*:
| 10.80% | | |
|
Term:
| 60 months | | | | |
|
|
Lender yield:
| 27.99% |
Borrower rate/APR:
| 28.99% / 31.42% |
Monthly payment:
| $317.36 |
| |
|
Lender servicing fee:
| 1.00% |
Effective Yield*:
| 27.29% | | |
| |
Estimated return*:
| 16.49% | | |
* 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-2002 |
Debt/Income ratio:
| 76% |
|
Credit score:
| 700-719 (Mar-2011) |
Inquiries last 6m:
| 0 | Employment status: | Employed |
|
Now delinquent:
| 0 |
Current / open credit lines:
| 10
/
10 | Length of status: | 4y 7m |
|
Amount delinquent:
| $0 |
Total credit lines:
| 12 |
Occupation: | Sales - Retail |
|
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $4,973 | Stated income: | $1-$24,999 |
|
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 34% | | |
| | |
Homeownership:
| No | | |
|
Screen name:
| compassion-opera3 |
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
Debt Consolidation and Car Repair
Purpose of loan:
This loan will be used to...
Consolidate some interest Credit Cards and for some needed car repairs
My financial situation:
I am a good candidate for this loan because...
I have been working hard to improve my Credit and have paid off many smaller debts and I have a stable job along with my husband
Monthly net income: $3500(including my husbands)
Monthly expenses: $
Housing: $535
Insurance: $120
Car expenses: $120
Utilities: $150
Phone, cable, internet: $220
Food, entertainment: $200
Clothing, household expenses: $100
Credit cards and other loans: $450
Other expenses: $100
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
497160
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:
| 12 months | | | | |
|
|
Lender yield:
| 22.99% |
Borrower rate/APR:
| 23.99% / 33.08% |
Monthly payment:
| $189.11 |
| |
|
Lender servicing fee:
| 1.00% |
Effective Yield*:
| 22.43% | | |
| |
Estimated return*:
| 11.63% | | |
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
|
Prosper score (1-10):
| 7 |
First credit line:
| Dec-1993 |
Debt/Income ratio:
| 12% |
|
Credit score:
| 640-659 (Mar-2011) |
Inquiries last 6m:
| 0 | Employment status: | Employed |
|
Now delinquent:
| 2 |
Current / open credit lines:
| 11
/
10 | Length of status: | 0y 10m |
|
Amount delinquent:
| $305 |
Total credit lines:
| 34 |
Occupation: | Clerical |
|
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $4,298 | Stated income: | $25,000-$49,999 |
|
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 64% | | |
| | |
Homeownership:
| Yes | | |
|
Screen name:
| enthusiastic-investment3 |
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
My loan for debt consolidation
Purpose of loan:
This loan will be used to...
My financial situation:
I am a good candidate for this loan because...
Monthly net income: $2640
Monthly expenses: $350
Housing: $503
Insurance: $100
Car expenses: $198
Utilities: $80
Phone, cable, internet: $60
Food, entertainment: $80
Clothing, household expenses: $60
Credit cards and other loans: $150
Other expenses: $100
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
497248
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:
| May-1994 |
Debt/Income ratio:
| 27% |
|
Credit score:
| 660-679 (Mar-2011) |
Inquiries last 6m:
| 0 | Employment status: | Employed |
|
Now delinquent:
| 1 |
Current / open credit lines:
| 9
/
7 | Length of status: | 2y 7m |
|
Amount delinquent:
| $993 |
Total credit lines:
| 44 |
Occupation: | Other |
|
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $1,986 | Stated income: | $25,000-$49,999 |
|
Delinquencies in last 7y:
| 3 |
Bankcard utilization:
| 45% | | |
| | |
Homeownership:
| Yes | | |
|
Screen name:
| resolute-investment419 |
Borrower's state:
| Oklahoma |
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 cards and other loans:
Purpose of loan:
This loan will be used to consolidate all of my credit card debt so that I can be free of high interest credit cards with high late fees.
My financial situation:
I am a good candidate for this loan. I have been an employee of the Federal government for over two years. I recently was promoted and over the next two years will be promoted to a GS 9. Although I have had some late payments in my credit history, I always pay my debts in full.
Monthly net income: $3020
Monthly expenses: $120.00
Housing: $996.00
Insurance: $80.00
Car expenses: $450.00
Utilities: $250.00
Phone, cable, internet: $175.00
Food, entertainment: $75
Clothing, household expenses: $100
Credit cards and other loans: $250
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
497254
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
|
Amount:
| $25,000.00 |
Prosper Rating:
| A |
Listing Duration:
| 14 days
|
|
Minimum Amount to Fund:
| $25,000 |
Estimated loss*:
| 3.50% | | |
|
Term:
| 36 months | | | | |
|
|
Lender yield:
| 7.90% |
Borrower rate/APR:
| 8.90% / 10.99% |
Monthly payment:
| $793.83 |
| |
|
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:
| Sep-1981 |
Debt/Income ratio:
| 14% |
|
Credit score:
| 820-839 (Mar-2011) |
Inquiries last 6m:
| 0 | Employment status: | Employed |
|
Now delinquent:
| 0 |
Current / open credit lines:
| 12
/
11 | Length of status: | 13y 0m |
|
Amount delinquent:
| $0 |
Total credit lines:
| 32 |
Occupation: | Police Officer/Corr... |
|
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $5,487 | Stated income: | $100,000+ |
|
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 22% | | |
| | |
Homeownership:
| Yes | | |
|
Screen name:
| euro-exchanger |
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
Home Improvement
Purpose of loan:
This loan will be used to...build a pool
My financial situation:
I am a good candidate for this loan because...I have a secure income.
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
497300
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:
| D |
Listing Duration:
| 14 days
|
|
Minimum Amount to Fund:
| $9,800 |
Estimated loss*:
| 10.80% | | |
|
Term:
| 60 months | | | | |
|
|
Lender yield:
| 27.99% |
Borrower rate/APR:
| 28.99% / 31.42% |
Monthly payment:
| $444.30 |
| |
|
Lender servicing fee:
| 1.00% |
Effective Yield*:
| 27.29% | | |
| |
Estimated return*:
| 16.49% | | |
* 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-1992 |
Debt/Income ratio:
| 12% |
|
Credit score:
| 660-679 (Mar-2011) |
Inquiries last 6m:
| 3 | Employment status: | Employed |
|
Now delinquent:
| 0 |
Current / open credit lines:
| 4
/
4 | Length of status: | 9y 10m |
|
Amount delinquent:
| $0 |
Total credit lines:
| 10 |
Occupation: | Other |
|
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $612 | Stated income: | $50,000-$74,999 |
|
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 12% | | |
| | |
Homeownership:
| No | | |
|
Screen name:
| rupee-allotment |
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
help son with debt
Purpose of loan:
This loan will be used to help out my son with some of his student loans.
My financial situation:
I am a good candidate for this loan because i have steady income and with low expenses.
Monthly net income: $3500
Monthly expenses: $1125
Housing: $350
Insurance: $100
Car expenses: $
Utilities: $100
Phone, cable, internet: $125
Food, entertainment: $150
Clothing, household expenses: $150
Credit cards and other loans: $50
Other expenses: $100
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
497354
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*:
| 1.55% | | |
|
Term:
| 60 months | | | | |
|
|
Lender yield:
| 8.60% |
Borrower rate/APR:
| 9.60% / 9.82% |
Monthly payment:
| $421.02 |
| |
|
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:
| Jul-2003 |
Debt/Income ratio:
| 7% |
|
Credit score:
| 780-799 (Mar-2011) |
Inquiries last 6m:
| 0 | Employment status: | Employed |
|
Now delinquent:
| 0 |
Current / open credit lines:
| 4
/
4 | Length of status: | 6y 3m |
|
Amount delinquent:
| $0 |
Total credit lines:
| 14 |
Occupation: | Postal Service |
|
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $1,448 | Stated income: | $75,000-$99,999 |
|
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 17% | | |
| | |
Homeownership:
| Yes | | |
|
Screen name:
| brightest-trade-cosmos |
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 improvement
Purpose of loan:
i have un finished basement, i want to finised with some extra baby room and laundry room, etc...
My financial situation:
I am a good candidate for this loan because i have very good credit history and good job to pay back your money and i am very honest person, not doubt...
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
497366
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:
| A |
Listing Duration:
| 14 days
|
|
Minimum Amount to Fund:
| $8,400 |
Estimated loss*:
| 3.50% | | |
|
Term:
| 36 months | | | | |
|
|
Lender yield:
| 7.90% |
Borrower rate/APR:
| 8.90% / 10.99% |
Monthly payment:
| $381.04 |
| |
|
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:
| Oct-2000 |
Debt/Income ratio:
| 4% |
|
Credit score:
| 720-739 (Mar-2011) |
Inquiries last 6m:
| 0 | Employment status: | Employed |
|
Now delinquent:
| 0 |
Current / open credit lines:
| 3
/
3 | Length of status: | 3y 5m |
|
Amount delinquent:
| $0 |
Total credit lines:
| 6 |
Occupation: | Engineer - Mechanic... |
|
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $683 | Stated income: | $100,000+ |
|
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 19% | | |
| | |
Homeownership:
| No | | |
|
Screen name:
| rate-protector |
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
Personal Loan
Purpose of loan:
This loan will be used to...pay off a couple of things and have extra money to renovate and upgrade me and my girlfriends home. We have rented our home for 5 yrs and the landlord needs help. We have agreed to buy the home but let him finance while he gets some things personally worked out. We will give him a down payment and our rent lowers because we are paying the note instead of a "rent" amount. This will be contracted.
He has been a good friend and landlord and we feel really good about this win/win opportunity. In 3 yrs we will refinance with a mortgage company.
My financial situation:
I am a good candidate for this loan because... I make a good living, my credit is good. And this online application is perfect for me because I travel a lot with my career.
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
497402
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:
| C |
Listing Duration:
| 14 days
|
|
Minimum Amount to Fund:
| $7,000 |
Estimated loss*:
| 8.70% | | |
|
Term:
| 36 months | | | | |
|
|
Lender yield:
| 18.49% |
Borrower rate/APR:
| 19.49% / 22.87% |
Monthly payment:
| $369.04 |
| |
|
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:
| Aug-1996 |
Debt/Income ratio:
| 17% |
|
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: | 0y 9m |
|
Amount delinquent:
| $0 |
Total credit lines:
| 27 |
Occupation: | Accountant/CPA |
|
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $1,199 | Stated income: | $100,000+ |
|
Delinquencies in last 7y:
| 31 |
Bankcard utilization:
| 23% | | |
| | |
Homeownership:
| Yes | | |
|
Screen name:
| ninja260 |
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
DVDNow Franchise Loan
Purpose of loan:
This loan will be used to purchase the DVD Kiosk equipment that costs $23,999. I have plenty of cash and investments (over $55,000) but would rather obtain some financing to leverage the business that should easily cash flow $2,000-$2,500 on the conservative side.
My financial situation:
I am a good candidate for this loan because I only have a car and student loan with very small monthly payments ($500 total). Other than that I have no debt in my name. This franchise business will easily cash flow and the monthly payments can be made on time and possible early payoff of total loan.
Business Cash Flow Details:
Monthly net income: $2,000-2,500 on average expected based on conservative P&L forecast assumptions.
Monthly expenses (included in NI number above): $500
Insurance: $75
Car expenses: $350 (in current debt # above)
Utilities: $25
Food, entertainment: $50
Information in the Description is not verified.