Listing Report:Supplement No. 47 dated Mar 31, 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
495301
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:
| $10,800.00 |
Prosper Rating:
| C |
Listing Duration:
| 14 days
|
|
Minimum Amount to Fund:
| $10,800 |
Estimated loss*:
| 8.70% | | |
|
Term:
| 36 months | | | | |
|
|
Lender yield:
| 18.49% |
Borrower rate/APR:
| 19.49% / 22.87% |
Monthly payment:
| $398.57 |
| |
|
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:
| Aug-1997 |
Debt/Income ratio:
| 55% |
|
Credit score:
| 780-799 (Mar-2011) |
Inquiries last 6m:
| 2 | Employment status: | Employed |
|
Now delinquent:
| 0 |
Current / open credit lines:
| 18
/
15 | Length of status: | 9y 11m |
|
Amount delinquent:
| $0 |
Total credit lines:
| 35 |
Occupation: | Food Service Manage... |
|
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $17,816 | Stated income: | $25,000-$49,999 |
|
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 14% | | |
| | |
Homeownership:
| Yes | | |
|
Screen name:
| worldly-treasure9 |
Borrower's state:
| Indiana |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Description
Loan to pay off High interest loan.
Purpose of loan: To pay off a high interest loan.
This loan will be used to...pay off a loan I needed when I moved into my house. I didn't get a very good rate but really needed it for some repairs so I had to take it.
My financial situation: Fifth Third Bank
I am a good candidate for this loan because...
I have a very solid credit history. I pay all my bills on time every month.
Monthly net income: $1925
Monthly expenses: $1100
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
497569
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):
| 5 |
First credit line:
| Dec-1995 |
Debt/Income ratio:
| 17% |
|
Credit score:
| 640-659 (Mar-2011) |
Inquiries last 6m:
| 1 | Employment status: | Employed |
|
Now delinquent:
| 0 |
Current / open credit lines:
| 7
/
7 | Length of status: | 3y 5m |
|
Amount delinquent:
| $0 |
Total credit lines:
| 10 |
Occupation: | Other |
|
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $8,939 | Stated income: | $25,000-$49,999 |
|
Delinquencies in last 7y:
| 1 |
Bankcard utilization:
| 95% | | |
| | |
Homeownership:
| Yes | | |
|
Screen name:
| tenacious-penny3 |
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 home improvement/bills
Purpose of loan:
This loan will be used to...pay off all the small things that I have on my credit to free up my liqudity. I also will pay more than asked to make an early payoff.
My financial situation:
I am a good candidate for this loan because...I have employment and need to restablish my credit to great standing that I have befor I loss my job 3 years ago. I have finally caught up and would like to start to save and have a little leaveway. I have some medical bills that are nickeling me to death that I need to just clean up.
Monthly net income: $2932.00
Monthly expenses: $ 2566.00
Housing: $ 1100.00
Insurance: $600.annually
Car expenses: $0
Utilities: $ 500.00
Phone, cable, internet: $ 66.00
Food, entertainment: $ 200.00
Clothing, household expenses: $ 200.00
Credit cards and other loans: $ 500.00
Other expenses: $ 0
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
498689
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
|
Amount:
| $7,500.00 |
Prosper Rating:
| D |
Listing Duration:
| 14 days
|
|
Minimum Amount to Fund:
| $5,250 |
Estimated loss*:
| 10.80% | | |
|
Term:
| 36 months | | | | |
|
|
Lender yield:
| 24.99% |
Borrower rate/APR:
| 25.99% / 29.51% |
Monthly payment:
| $302.14 |
| |
|
Lender servicing fee:
| 1.00% |
Effective Yield*:
| 24.37% | | |
| |
Estimated return*:
| 13.57% | | |
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
|
Prosper score (1-10):
| 6 |
First credit line:
| Dec-1992 |
Debt/Income ratio:
| 14% |
|
Credit score:
| 700-719 (Mar-2011) |
Inquiries last 6m:
| 3 | Employment status: | Employed |
|
Now delinquent:
| 0 |
Current / open credit lines:
| 9
/
7 | Length of status: | 37y 1m |
|
Amount delinquent:
| $0 |
Total credit lines:
| 27 |
Occupation: | Medical Technician |
|
Public records last 12m / 10y:
| 0/ 2 |
Revolving credit balance:
| $5,074 | Stated income: | $50,000-$74,999 |
|
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 79% | | |
| | |
Homeownership:
| Yes | | |
|
Screen name:
| market-banker8 |
Borrower's state:
| Missouri |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Description
Happy Home
Purpose of loan: Wedding
This loan will be used to...Wedding
My financial situationBank of America I am a good candidate for this loan because...I feel I have a good salery and job ,been there 37 yrs a home been there 27 yrs I pay my bills and have worked hard to rebuild my credit
Monthly net income: $5000
Monthly expenses: $Housing: $1074
Insurance: $in house payment
Car expenses: $336
Utilities: $200
Phone, cable, internet: $114
Food, entertainment: $200
Clothing, household expenses: $?
Credit cards and other loans: $1800
Other expenses: $?
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
498953
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
|
Amount:
| $5,000.00 |
Prosper Rating:
| B |
Listing Duration:
| 14 days
|
|
Minimum Amount to Fund:
| $3,500 |
Estimated loss*:
| 5.95% | | |
|
Term:
| 36 months | | | | |
|
|
Lender yield:
| 12.99% |
Borrower rate/APR:
| 13.99% / 16.15% |
Monthly payment:
| $170.86 |
| |
|
Lender servicing fee:
| 1.00% |
Effective Yield*:
| 12.77% | | |
| |
Estimated return*:
| 6.82% | | |
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
|
Prosper score (1-10):
| 8 |
First credit line:
| May-1994 |
Debt/Income ratio:
| 21% |
|
Credit score:
| 760-779 (Mar-2011) |
Inquiries last 6m:
| 2 | Employment status: | Employed |
|
Now delinquent:
| 0 |
Current / open credit lines:
| 10
/
10 | Length of status: | 18y 3m |
|
Amount delinquent:
| $0 |
Total credit lines:
| 34 |
Occupation: | Military Enlisted |
|
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $14,427 | Stated income: | $50,000-$74,999 |
|
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 39% | | |
| | |
Homeownership:
| Yes | | |
|
Screen name:
| superb-peso2 |
Borrower's state:
| Kentucky |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Description
Ky Fan
Purpose of loan:
This loan will be used to...
My financial situation:
I am a good candidate for this loan because...
Monthly net income: $4200
Monthly expenses: $
Housing: $810.00
Insurance: $120.00
Car expenses: $500.00
Utilities: $150.00
Phone, cable, internet: $60.00
Food, entertainment: $100.00
Clothing, household expenses: $50.00
Credit cards and other loans: $200.00
Other expenses: $
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
499855
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
|
Amount:
| $9,800.00 |
Prosper Rating:
| C |
Listing Duration:
| 14 days
|
|
Minimum Amount to Fund:
| $6,860 |
Estimated loss*:
| 8.70% | | |
|
Term:
| 36 months | | | | |
|
|
Lender yield:
| 18.49% |
Borrower rate/APR:
| 19.49% / 22.87% |
Monthly payment:
| $361.66 |
| |
|
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-2004 |
Debt/Income ratio:
| 22% |
|
Credit score:
| 720-739 (Mar-2011) |
Inquiries last 6m:
| 1 | Employment status: | Employed |
|
Now delinquent:
| 0 |
Current / open credit lines:
| 11
/
11 | Length of status: | 0y 8m |
|
Amount delinquent:
| $0 |
Total credit lines:
| 24 |
Occupation: | Computer Programmer |
|
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $723 | Stated income: | $25,000-$49,999 |
|
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 5% | | |
| | |
Homeownership:
| No | | |
|
Screen name:
| glimmering-loan3 |
Borrower's state:
| Delaware |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Description
Consolidating Debt and Movin' On Up
Purpose of loan:
This loan will be used to help me move forward with my life. I will use it to pay the final amount of my student loans and get caught up on a few outstanding credit card debts. With the remaining amount I will be able to move into a nicer apartment closer to my job.
My financial situation:
I am a good candidate for this loan because I have a stable job that I love, within a growing organization. I truly understand the importance of maintaining good credit. I also hold high moral values.
Monthly net income: $2000
Monthly expenses: $40
Housing: $0
Insurance: $0
Car expenses: $180
Utilities: $100
Phone, cable, internet: $0
Food, entertainment: $200
Clothing, household expenses: $100
Credit cards and other loans: $120
Other expenses: $100
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
499905
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:
| Jul-1969 |
Debt/Income ratio:
| 15% |
|
Credit score:
| 640-659 (Mar-2011) |
Inquiries last 6m:
| 1 | Employment status: | Employed |
|
Now delinquent:
| 2 |
Current / open credit lines:
| 15
/
14 | Length of status: | 12y 8m |
|
Amount delinquent:
| $1,514 |
Total credit lines:
| 38 |
Occupation: | Construction |
|
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $97,852 | Stated income: | $100,000+ |
|
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 40% | | |
| | |
Homeownership:
| Yes | | |
|
Screen name:
| point-flow3 |
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
ray with grandson john
Purpose of loan:
This loan will be used to..pay medical bills and back bills
My financial situation:
I am a good candidate for this loan because...I have a good job with room for increased pay once economy turns.
Monthly net income: $11,600
Monthly expenses: $
Housing: $1000
Insurance: $ paid by employer
Car expenses: $paid by employer
Utilities: $100
Phone, cable, internet: $50
Food, entertainment: $500
Clothing, household expenses: $250
Credit cards and other loans: $1000
Other expenses: $500
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
499981
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
|
Amount:
| $15,000.00 |
Prosper Rating:
| B |
Listing Duration:
| 14 days
|
|
Minimum Amount to Fund:
| $10,500 |
Estimated loss*:
| 5.95% | | |
|
Term:
| 60 months | | | | |
|
|
Lender yield:
| 15.99% |
Borrower rate/APR:
| 16.99% / 18.41% |
Monthly payment:
| $372.71 |
| |
|
Lender servicing fee:
| 1.00% |
Effective Yield*:
| 15.71% | | |
| |
Estimated return*:
| 9.76% | | |
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
|
Prosper score (1-10):
| 8 |
First credit line:
| Aug-2002 |
Debt/Income ratio:
| Not calculated |
|
Credit score:
| 740-759 (Mar-2011) |
Inquiries last 6m:
| 0 | Employment status: | Not employed |
|
Now delinquent:
| 0 |
Current / open credit lines:
| 6
/
6 | Length of status: | 0y 7m |
|
Amount delinquent:
| $0 |
Total credit lines:
| 26 | Stated income: | Not employed |
|
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $4,773 | |
|
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 22% | | |
| | |
Homeownership:
| No | | |
|
Screen name:
| greenback-sunshine4 |
Borrower's state:
| Missouri |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Description
Getting Married
Purpose of loan:
This loan will be used to fund my upcoming wedding with my long time girlfriend in August of 2011.
My financial situation:
I am a good candidate for this loan because I have an overall excellent credit score and in general are very diligent with all my expenses and budgets paying all bills in a timely fashion. However, as a student, taking on a large expense such as a wedding is daunting. I'm hoping this loan will allow for me to get married to my girlfriend without being buried in overwhelming debt.
Monthly net income: $1,500.00
Monthly expenses:
Housing: $590.00
Insurance: $0
Car expenses: $0 (Bike and use free commute rails)
Utilities: $100.00
Phone, cable, internet: $140.00
Food, entertainment: $300.00
Clothing, household expenses: $0.00
Credit cards and other loans: $200.00
Other expenses: $100.00
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
500091
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:
| A |
Listing Duration:
| 14 days
|
|
Minimum Amount to Fund:
| $9,800 |
Estimated loss*:
| 3.25% | | |
|
Term:
| 36 months | | | | |
|
|
Lender yield:
| 7.29% |
Borrower rate/APR:
| 8.29% / 10.38% |
Monthly payment:
| $440.58 |
| |
|
Lender servicing fee:
| 1.00% |
Effective Yield*:
| 7.28% | | |
| |
Estimated return*:
| 4.03% | | |
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
|
Prosper score (1-10):
| 9 |
First credit line:
| Jul-1996 |
Debt/Income ratio:
| 4% |
|
Credit score:
| 760-779 (Mar-2011) |
Inquiries last 6m:
| 5 | Employment status: | Employed |
|
Now delinquent:
| 0 |
Current / open credit lines:
| 10
/
10 | Length of status: | 7y 8m |
|
Amount delinquent:
| $0 |
Total credit lines:
| 27 |
Occupation: | Accountant/CPA |
|
Public records last 12m / 10y:
| 0/ 1 |
Revolving credit balance:
| $5,576 | Stated income: | $100,000+ |
|
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 14% | | |
| | |
Homeownership:
| Yes | | |
|
Screen name:
| Zenith35 |
Borrower's state:
| NewYork |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
| Loan history | Payment history | Credit score history |
|
Active / total loans:
| 1 / 4 |
On-time:
| 33 ( 100% )
| 760-779 (Latest)
|
|
Principal borrowed:
| $21,000.00 | < 31 days late:
| 0
( 0% )
| 760-779
(Sep-2010)
760-779
(Nov-2009)
720-739
(Aug-2008)
740-759
(Jan-2008)
|
|
Principal balance:
| $12,733.82 |
31+ days late:
| 0
( 0% )
|
|
Total payments billed:
| 33 | | |
Description
Funds for Home Improvements
I am an investment banker who works in New York City and I have been at the same firm for almost 8 years. I would like to use these borrowed funds to do some updates on the personal residence I just purchased.
My financial position is as follows:
Monthly Income: approx. $13,000 (this is my average 2010 monthly income, it's somewhat lumpy since I get approximately 1/3 of my income as a bonus in February)
Monthly Expenses: $5,000
Total Assets: Approx. $450,000
Total Debt: Approx. $50,000 (I only have a student loan, basic revolving credit card debt, existing Prosper loan)
I incurred the student loan when I went back to school 10 years ago to get my MBA.
I have started a real estate investment firm with two other partners. We currently own rental properties in NC and NJ. I am personally guaranteeing these mortgages along with my other partners. I have equity of approximately $114,000 in this firm which I included in my assets above.
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
500097
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:
| B |
Listing Duration:
| 14 days
|
|
Minimum Amount to Fund:
| $5,250 |
Estimated loss*:
| 5.95% | | |
|
Term:
| 12 months | | | | |
|
|
Lender yield:
| 11.99% |
Borrower rate/APR:
| 12.99% / 18.83% |
Monthly payment:
| $669.84 |
| |
|
Lender servicing fee:
| 1.00% |
Effective Yield*:
| 11.79% | | |
| |
Estimated return*:
| 5.84% | | |
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
|
Prosper score (1-10):
| 8 |
First credit line:
| Oct-1987 |
Debt/Income ratio:
| Not calculated |
|
Credit score:
| 800-819 (Mar-2011) |
Inquiries last 6m:
| 1 | Employment status: | Not employed |
|
Now delinquent:
| 0 |
Current / open credit lines:
| 8
/
8 | Length of status: | 29y 7m |
|
Amount delinquent:
| $0 |
Total credit lines:
| 12 | Stated income: | Not employed |
|
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $2,292 | |
|
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 3% | | |
| | |
Homeownership:
| No | | |
|
Screen name:
| trustworthy-vigilance4 |
Borrower's state:
| Mississippi |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Description
shoping
No description was provided by the borrower.
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
500113
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
|
Amount:
| $15,000.00 |
Prosper Rating:
| A |
Listing Duration:
| 14 days
|
|
Minimum Amount to Fund:
| $10,500 |
Estimated loss*:
| 3.50% | | |
|
Term:
| 60 months | | | | |
|
|
Lender yield:
| 10.90% |
Borrower rate/APR:
| 11.90% / 13.25% |
Monthly payment:
| $332.91 |
| |
|
Lender servicing fee:
| 1.00% |
Effective Yield*:
| 10.87% | | |
| |
Estimated return*:
| 7.37% | | |
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
|
Prosper score (1-10):
| 9 |
First credit line:
| Oct-1995 |
Debt/Income ratio:
| 12% |
|
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: | 8y 9m |
|
Amount delinquent:
| $0 |
Total credit lines:
| 25 |
Occupation: | Sales - Commission |
|
Public records last 12m / 10y:
| 0/ 1 |
Revolving credit balance:
| $2,724 | Stated income: | $50,000-$74,999 |
|
Delinquencies in last 7y:
| 4 |
Bankcard utilization:
| 49% | | |
| | |
Homeownership:
| No | | |
|
Screen name:
| clipper81 |
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
Medical Procedure
Purpose of loan:
This loan will be used to...
Pay for an unexpected surgical procedure for my wife.
My financial situation:
I am a good candidate for this loan because...
I have stable employment and have been with this company for ten years. I have a good history of making all my payments on time or early. I intend to pay this loan off before long before the stated length of the loan. I am a responsible person and take care of all my obligations.
Below is a snapshot of my income and expenses:
Monthly Income $5100.00
Rent: $500.00
Vehicle: $234.00
Insurance: $250.00
Gas: $150.00
Utilities $300.00
Cable: $200.00
Credit Card: $100.00
Misc Exp. $300.00
Thank you in advance for your consideration.
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
500125
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:
| 36 months | | | | |
|
|
Lender yield:
| 5.55% |
Borrower rate/APR:
| 6.55% / 6.89% |
Monthly payment:
| $613.44 |
| |
|
Lender servicing fee:
| 1.00% |
Effective Yield*:
| 5.55% | | |
| |
Estimated return*:
| 4.00% | | |
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
|
Prosper score (1-10):
| 10 |
First credit line:
| Jan-1984 |
Debt/Income ratio:
| 14% |
|
Credit score:
| 800-819 (Mar-2011) |
Inquiries last 6m:
| 1 | Employment status: | Employed |
|
Now delinquent:
| 0 |
Current / open credit lines:
| 6
/
6 | Length of status: | 13y 0m |
|
Amount delinquent:
| $0 |
Total credit lines:
| 13 |
Occupation: | Police Officer/Corr... |
|
Public records last 12m / 10y:
| 0/ 1 |
Revolving credit balance:
| $8,608 | Stated income: | $50,000-$74,999 |
|
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 26% | | |
| | |
Homeownership:
| Yes | | |
|
Screen name:
| new-serene-economy |
Borrower's state:
| California |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Description
Kitchen update and makeover
Purpose of loan:
This loan will be used to...Remodel and update my old and old fashioned kitchen
My financial situation:
I am a good candidate for this loan because...
I have great credit, my debs is very minimal, all the payments that I make are always on time, I have some of the money needed, and need additional funds
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
500161
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
|
Amount:
| $4,000.00 |
Prosper Rating:
| D |
Listing Duration:
| 14 days
|
|
Minimum Amount to Fund:
| $2,800 |
Estimated loss*:
| 10.80% | | |
|
Term:
| 36 months | | | | |
|
|
Lender yield:
| 24.99% |
Borrower rate/APR:
| 25.99% / 29.51% |
Monthly payment:
| $161.14 |
| |
|
Lender servicing fee:
| 1.00% |
Effective Yield*:
| 24.37% | | |
| |
Estimated return*:
| 13.57% | | |
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
|
Prosper score (1-10):
| 7 |
First credit line:
| Nov-2004 |
Debt/Income ratio:
| 10% |
|
Credit score:
| 720-739 (Mar-2011) |
Inquiries last 6m:
| 3 | Employment status: | Employed |
|
Now delinquent:
| 0 |
Current / open credit lines:
| 4
/
4 | Length of status: | 3y 2m |
|
Amount delinquent:
| $0 |
Total credit lines:
| 7 |
Occupation: | Medical Technician |
|
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $3,164 | Stated income: | $25,000-$49,999 |
|
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 19% | | |
| | |
Homeownership:
| No | | |
|
Screen name:
| felicity-enlistment |
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
Loan for home furnishings
Purpose of loan:
This loan will be used to buy new home furniture and some appliances.
My financial situation:
I am a good candidate for this loan because I always repay my debts ahead if schedule.
Monthly net income: $2720
Monthly expenses: $100
Housing: $700
Insurance: $40
Car expenses: $200
Utilities: $80
Phone, cable, internet: $100
Food, entertainment: $50
Clothing, household expenses: $50
Credit cards and other loans: $150
Other expenses: $80
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
500173
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:
| $7,500 |
Estimated loss*:
| 10.80% | | |
|
Term:
| 36 months | | | | |
|
|
Lender yield:
| 24.99% |
Borrower rate/APR:
| 25.99% / 29.51% |
Monthly payment:
| $302.14 |
| |
|
Lender servicing fee:
| 1.00% |
Effective Yield*:
| 24.37% | | |
| |
Estimated return*:
| 13.57% | | |
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
|
Prosper score (1-10):
| 7 |
First credit line:
| Nov-1994 |
Debt/Income ratio:
| 20% |
|
Credit score:
| 680-699 (Mar-2011) |
Inquiries last 6m:
| 2 | Employment status: | Employed |
|
Now delinquent:
| 0 |
Current / open credit lines:
| 6
/
6 | Length of status: | 10y 7m |
|
Amount delinquent:
| $0 |
Total credit lines:
| 11 |
Occupation: | Truck Driver |
|
Public records last 12m / 10y:
| 0/ 1 |
Revolving credit balance:
| $14,928 | Stated income: | $50,000-$74,999 |
|
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 69% | | |
| | |
Homeownership:
| No | | |
|
Screen name:
| apricot742 |
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
I will use loan for debt consolidat
No description was provided by the borrower.
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
500339
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
|
Amount:
| $5,000.00 |
Prosper Rating:
| D |
Listing Duration:
| 14 days
|
|
Minimum Amount to Fund:
| $3,500 |
Estimated loss*:
| 10.80% | | |
|
Term:
| 36 months | | | | |
|
|
Lender yield:
| 24.99% |
Borrower rate/APR:
| 25.99% / 29.51% |
Monthly payment:
| $201.43 |
| |
|
Lender servicing fee:
| 1.00% |
Effective Yield*:
| 24.37% | | |
| |
Estimated return*:
| 13.57% | | |
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
|
Prosper score (1-10):
| 5 |
First credit line:
| Sep-2008 |
Debt/Income ratio:
| 15% |
|
Credit score:
| 720-739 (Mar-2011) |
Inquiries last 6m:
| 1 | Employment status: | Employed |
|
Now delinquent:
| 0 |
Current / open credit lines:
| 2
/
2 | Length of status: | 0y 4m |
|
Amount delinquent:
| $0 |
Total credit lines:
| 2 |
Occupation: | Engineer - Mechanic... |
|
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:
| skillful-repayment345 |
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
car expenses
No description was provided by the borrower.
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
499416
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-1987 |
Debt/Income ratio:
| 13% |
|
Credit score:
| 760-779 (Mar-2011) |
Inquiries last 6m:
| 0 | Employment status: | Employed |
|
Now delinquent:
| 0 |
Current / open credit lines:
| 15
/
10 | Length of status: | 6y 6m |
|
Amount delinquent:
| $0 |
Total credit lines:
| 33 |
Occupation: | Engineer - Electric... |
|
Public records last 12m / 10y:
| 0/ 1 |
Revolving credit balance:
| $5,234 | Stated income: | $100,000+ |
|
Delinquencies in last 7y:
| 2 |
Bankcard utilization:
| 24% | | |
| | |
Homeownership:
| No | | |
|
Screen name:
| rollergoalie65 |
Borrower's state:
| Maryland |
Borrower's group:
| FUTURE FINANCIAL FREEDOM 1 |
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
Engineer will Consolidate Debt
Purpose of loan:
This loan will be used to consolidate various high interest rate monthly payments into one low payment.
My financial situation:
I am a good candidate for this loan because I am a software engineer who has stable employment and has been developing and maintaining a critical Department of Defense avionics test asset for the past 16 years (9 as a Civil Servant and the last 7 with a Defense contractor). My salary is six figures.
My goal is to execute a plan where I knock off the highest interest debts first with this loan, and since the rate and payment are significantly lower, I can apply additional dollar amounts to the remaining debts and pay them off much quicker.
The major liabilities I currently have are 2 car payments ($245,$378), home rental ($2,100), college student apartment rental ($700), a state tax payment plan ($555), and various high interest rate credit cards.
Thank you for considering helping me make a major step toward becoming debt-free.
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
500002
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:
| Apr-1988 |
Debt/Income ratio:
| 14% |
|
Credit score:
| 680-699 (Mar-2011) |
Inquiries last 6m:
| 3 | Employment status: | Employed |
|
Now delinquent:
| 0 |
Current / open credit lines:
| 7
/
6 | Length of status: | 4y 11m |
|
Amount delinquent:
| $0 |
Total credit lines:
| 8 |
Occupation: | Other |
|
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $2,696 | Stated income: | $25,000-$49,999 |
|
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 100% | | |
| | |
Homeownership:
| No | | |
|
Screen name:
| market-pursuit5 |
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
Need help paying off best friend!!!
Purpose of loan:
This loan will be used to pay for a personal debt owed to an individual.
My financial situation:
I am a good candidate for this loan because my credit score is fair and/or according to the three reporting credit bureaus. Although I have excellent credit history and payment history, I have loans which make it difficult to take out another loan. Although the high risk factor is too much debt, I do have a credit card with my parents which increases my debt factor even though it is monies I do not personally owe.
Monthly net income: $2,056.00
Monthly expenses: $1,360.00
Housing: $0.00
Insurance: $0.00
Car expenses: $75.00
Utilities: $150.00
Phone, cable, internet: $200.00
Food, entertainment: $75.00
Clothing, household expenses: $60.00
Credit cards and other loans: $700.00
Other expenses: $100.00
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
500076
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
|
Amount:
| $15,000.00 |
Prosper Rating:
| C |
Listing Duration:
| 14 days
|
|
Minimum Amount to Fund:
| $10,500 |
Estimated loss*:
| 8.70% | | |
|
Term:
| 60 months | | | | |
|
|
Lender yield:
| 21.49% |
Borrower rate/APR:
| 22.49% / 24.76% |
Monthly payment:
| $418.47 |
| |
|
Lender servicing fee:
| 1.00% |
Effective Yield*:
| 20.98% | | |
| |
Estimated return*:
| 12.28% | | |
* 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:
| Mar-1999 |
Debt/Income ratio:
| 17% |
|
Credit score:
| 640-659 (Mar-2011) |
Inquiries last 6m:
| 0 | Employment status: | Employed |
|
Now delinquent:
| 0 |
Current / open credit lines:
| 21
/
20 | Length of status: | 3y 6m |
|
Amount delinquent:
| $0 |
Total credit lines:
| 29 |
Occupation: | Sales - Commission |
|
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $12,671 | Stated income: | $100,000+ |
|
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 45% | | |
| | |
Homeownership:
| No | | |
|
Screen name:
| community-fighter |
Borrower's state:
| Texas |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Description
Debt Consolidation Loan
Purpose of loan:
This loan will be used to consolidate debt into a simpler one-payment format.
My financial situation:
I am a good candidate for this loan because I am financially capable of making the payment as agreed. The last two months we underestimated our expenditures on an American Express card. The money will be utilized to fulfill my obligation to American Express Bank Corp. Needless to say, I do not want to default on my obligations. I do not mind paying extra in interest or setting up a secure auto-draft from my checking account if need be.
Monthly net income: 15,229.50$
Monthly expenses: $
Housing: 1200.00$
Insurance: 180.00$
Car expenses: 1544.00$
Utilities: 300.00$
Phone, cable, internet: 230.00 $
Food, entertainment: 500.00$
Clothing, household expenses: 500.00$
Credit cards and other loans: 485.00$
Additional Household Income: 8300.00$/per mo.
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
500082
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:
| $7,500 |
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:
| Sep-1998 |
Debt/Income ratio:
| Self-employed (DTI Not Calculated) |
|
Credit score:
| 680-699 (Mar-2011) |
Inquiries last 6m:
| 0 | Employment status: | Self-employed |
|
Now delinquent:
| 0 |
Current / open credit lines:
| 6
/
6 | Length of status: | 6y 9m |
|
Amount delinquent:
| $0 |
Total credit lines:
| 14 |
Occupation: | Sales - Retail |
|
Public records last 12m / 10y:
| 0/ 1 |
Revolving credit balance:
| $6,519 | Stated income: | $1-$24,999 |
|
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 70% | | |
| | |
Homeownership:
| No | | |
|
Screen name:
| red-silver-baron |
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
Payoff On Car
This loan to is to pay off a lease on a Dodge Grand Caravan 2008. It was leased under my husband and I and has and lifetime warrantee on the power train
Currently the payoff on the lease is $15,000, we do not have enough to payoff the lease and with this loan we can. Dealer advised us that the lifetime warrantee would be voided if the car would to be under my name only
I have own my own business for 8 years and the car payments have never been late. I currenlty have an approximate $8000 income plus $5200 in pension
We will do anything to keep because it has a life time warrantee that no car manufacturer will give again.
Monthly net income: $8000 and currently $5200 from my husband
Housing: $ 1800
Insurance: $ 250
Car expenses: $ 100
Utilities: $ 150
Phone, cable, internet: $ 80
Food, entertainment: $ 300
Clothing, household expenses: $ 100
Credit cards and other loans: $ 4100 combined credit cards
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
500088
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
|
Amount:
| $4,000.00 |
Prosper Rating:
| D |
Listing Duration:
| 14 days
|
|
Minimum Amount to Fund:
| $2,800 |
Estimated loss*:
| 10.80% | | |
|
Term:
| 36 months | | | | |
|
|
Lender yield:
| 24.99% |
Borrower rate/APR:
| 25.99% / 29.51% |
Monthly payment:
| $161.14 |
| |
|
Lender servicing fee:
| 1.00% |
Effective Yield*:
| 24.37% | | |
| |
Estimated return*:
| 13.57% | | |
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
|
Prosper score (1-10):
| 6 |
First credit line:
| Aug-1998 |
Debt/Income ratio:
| 10% |
|
Credit score:
| 660-679 (Mar-2011) |
Inquiries last 6m:
| 0 | Employment status: | Employed |
|
Now delinquent:
| 0 |
Current / open credit lines:
| 3
/
2 | Length of status: | 9y 7m |
|
Amount delinquent:
| $0 |
Total credit lines:
| 6 |
Occupation: | Skilled Labor |
|
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $0 | Stated income: | $1-$24,999 |
|
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 0% | | |
| | |
Homeownership:
| Yes | | |
|
Screen name:
| magnificent-fairness9 |
Borrower's state:
| Missouri |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Description
Home
No description was provided by the borrower.
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
500122
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
|
Amount:
| $2,000.00 |
Prosper Rating:
| HR |
Listing Duration:
| 14 days
|
|
Minimum Amount to Fund:
| $2,000 |
Estimated loss*:
| 18.30% | | |
|
Term:
| 36 months | | | | |
|
|
Lender yield:
| 30.99% |
Borrower rate/APR:
| 31.99% / 35.64% |
Monthly payment:
| $87.10 |
| |
|
Lender servicing fee:
| 1.00% |
Effective Yield*:
| 29.17% | | |
| |
Estimated return*:
| 10.87% | | |
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
|
Prosper score (1-10):
| 5 |
First credit line:
| Feb-1999 |
Debt/Income ratio:
| 18% |
|
Credit score:
| 640-659 (Mar-2011) |
Inquiries last 6m:
| 4 | Employment status: | Employed |
|
Now delinquent:
| 0 |
Current / open credit lines:
| 6
/
5 | Length of status: | 0y 5m |
|
Amount delinquent:
| $0 |
Total credit lines:
| 29 |
Occupation: | Skilled Labor |
|
Public records last 12m / 10y:
| 0/ 1 |
Revolving credit balance:
| $1,032 | Stated income: | $25,000-$49,999 |
|
Delinquencies in last 7y:
| 16 |
Bankcard utilization:
| 31% | | |
| | |
Homeownership:
| No | | |
|
Screen name:
| professional-funds0 |
Borrower's state:
| California |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Description
My personal loan
Purpose of loan:
This loan will be used to take a small vacation for my anniversary.
My financial situation:
I am a good candidate for this loan because I am very responsible in paying all of my bills since filing for bankruptcy due to the failing housing market 4 years ago.
Monthly net income: $4000
Monthly expenses: $
Housing: $1100
Insurance: $89
Car expenses: $100
Utilities: $400
Phone, cable, internet: $75
Food, entertainment: $100
Clothing, household expenses: $50
Credit cards and other loans: $150
Other expenses: $
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
500128
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:
| Apr-1994 |
Debt/Income ratio:
| 21% |
|
Credit score:
| 660-679 (Mar-2011) |
Inquiries last 6m:
| 0 | Employment status: | Employed |
|
Now delinquent:
| 0 |
Current / open credit lines:
| 8
/
6 | Length of status: | 19y 10m |
|
Amount delinquent:
| $0 |
Total credit lines:
| 23 |
Occupation: | Professional |
|
Public records last 12m / 10y:
| 0/ 1 |
Revolving credit balance:
| $0 | Stated income: | $50,000-$74,999 |
|
Delinquencies in last 7y:
| 3 |
Bankcard utilization:
| 0% | | |
| | |
Homeownership:
| Yes | | |
|
Screen name:
| bella2006 |
Borrower's state:
| Missouri |
Borrower's group:
| P2P Financial |
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
| Loan history | Payment history | Credit score history |
|
Active / total loans:
| 0 / 1 |
On-time:
| 12 ( 57% )
| 660-679 (Latest)
|
|
Principal borrowed:
| $12,000.00 | < 31 days late:
| 4
( 19% )
| 640-659
(Oct-2006)
|
|
Principal balance:
| $0.00 |
31+ days late:
| 5
( 24% )
|
|
Total payments billed:
| 21 | | |
Description
Back on Track
Purpose of loan:
Will be to consolidate bills
My financial situation:
I am a good candidate for this loan because I am a return borrower and my husband and I make over $100,000.00 a year. My listing is titled Back on Track. It has been a rough four years for my husband. He was laid off several times from different jobs. He now has a great full-time job that pays him over $50,000.00 a year. My prior loan was late a few times due to my husbands lay offs. However, I was persistent and paid the loan off early. I will not let you down. Please give me a chance.
Monthly net income: $6000.00 (Husband and I both)
Monthly expenses: $4880.00
Housing: $1400.
Insurance: $350.00
Car expenses: $500.00
Utilities: $300.00
Phone, cable, internet: $480.00
Food, entertainment: $700.00
Clothing, household expenses: $350.00
Credit cards and other loans: $400.00
Other expenses: $400.00
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
500170
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
|
Amount:
| $7,000.00 |
Prosper Rating:
| AA |
Listing Duration:
| 14 days
|
|
Minimum Amount to Fund:
| $4,900 |
Estimated loss*:
| 1.55% | | |
|
Term:
| 36 months | | | | |
|
|
Lender yield:
| 5.55% |
Borrower rate/APR:
| 6.55% / 6.89% |
Monthly payment:
| $214.70 |
| |
|
Lender servicing fee:
| 1.00% |
Effective Yield*:
| 5.55% | | |
| |
Estimated return*:
| 4.00% | | |
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
|
Prosper score (1-10):
| 10 |
First credit line:
| Mar-1995 |
Debt/Income ratio:
| 10% |
|
Credit score:
| 840-859 (Mar-2011) |
Inquiries last 6m:
| 2 | Employment status: | Employed |
|
Now delinquent:
| 0 |
Current / open credit lines:
| 9
/
9 | Length of status: | 1y 3m |
|
Amount delinquent:
| $0 |
Total credit lines:
| 30 |
Occupation: | Engineer - Chemical |
|
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $4,718 | Stated income: | $100,000+ |
|
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 7% | | |
| | |
Homeownership:
| Yes | | |
|
Screen name:
| ferocious-payment0 |
Borrower's state:
| Wisconsin |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Description
Taxes 2010
Purpose of loan:
This loan will be used to open an IRA in order to avoid paying additional federal taxes
My financial situation:
I am a good candidate for this loan because I'm an educated individual who understands the importance of great credit. This happens to be the first year my wife and I were in a situation where an employee sponsered 401K was not offered. I changed some excemptions on my W4 and unfortunately, ended up owing a decent amount of money to the federal government. However, to avoid paying the government I have the option of opening an IRA and depositing the max and I will at least be able to pay myself opposed to the federal government. In the long run I will come out ahead. Thanks for your consideration.
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
500306
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
|
Amount:
| $15,000.00 |
Prosper Rating:
| A |
Listing Duration:
| 14 days
|
|
Minimum Amount to Fund:
| $10,500 |
Estimated loss*:
| 3.50% | | |
|
Term:
| 60 months | | | | |
|
|
Lender yield:
| 10.90% |
Borrower rate/APR:
| 11.90% / 13.25% |
Monthly payment:
| $332.91 |
| |
|
Lender servicing fee:
| 1.00% |
Effective Yield*:
| 10.87% | | |
| |
Estimated return*:
| 7.37% | | |
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
|
Prosper score (1-10):
| 9 |
First credit line:
| May-1998 |
Debt/Income ratio:
| 12% |
|
Credit score:
| 820-839 (Mar-2011) |
Inquiries last 6m:
| 2 | Employment status: | Employed |
|
Now delinquent:
| 0 |
Current / open credit lines:
| 14
/
12 | Length of status: | 12y 10m |
|
Amount delinquent:
| $0 |
Total credit lines:
| 45 |
Occupation: | Police Officer/Corr... |
|
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $26,443 | Stated income: | $100,000+ |
|
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 29% | | |
| | |
Homeownership:
| Yes | | |
|
Screen name:
| RoadRash |
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
Home Improvement
The purpose of this loan is to conduct home improvement on my house. I am in good financial shape, however, I had some damage to my house from the recent storms. I need to re-fence my entire property and cut down several large pine trees. Loans are hard to come by in this economy, and i don't want to put it on my credit cards with close to 20 percent interest rate. I value my credit score and started prosper to invest money at the time. I am now asking for a loan to cover expenses. I have the option to work overtime, but that takes time and these repairs need to happen now.
My financial situation:
I am a good candidate for this loan because i have never defaulted on anything. I have made every bill on time. I have assets including a paid off truck and motorcycle, however, i seek a loan for these repairs. I am a father of 3 and hard worker. Thanks for your help. I plan on repaying this loan and making you a nice steady return.
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
500312
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
|
Amount:
| $15,000.00 |
Prosper Rating:
| B |
Listing Duration:
| 14 days
|
|
Minimum Amount to Fund:
| $10,500 |
Estimated loss*:
| 5.95% | | |
|
Term:
| 60 months | | | | |
|
|
Lender yield:
| 15.99% |
Borrower rate/APR:
| 16.99% / 18.41% |
Monthly payment:
| $372.71 |
| |
|
Lender servicing fee:
| 1.00% |
Effective Yield*:
| 15.71% | | |
| |
Estimated return*:
| 9.76% | | |
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
|
Prosper score (1-10):
| 8 |
First credit line:
| Jul-1991 |
Debt/Income ratio:
| 55% |
|
Credit score:
| 720-739 (Mar-2011) |
Inquiries last 6m:
| 0 | Employment status: | Employed |
|
Now delinquent:
| 0 |
Current / open credit lines:
| 16
/
16 | Length of status: | 3y 7m |
|
Amount delinquent:
| $0 |
Total credit lines:
| 33 |
Occupation: | Teacher's Aide |
|
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $41,747 | Stated income: | $1-$24,999 |
|
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 58% | | |
| | |
Homeownership:
| No | | |
|
Screen name:
| blue-courageous-silver |
Borrower's state:
| Nebraska |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Description
Consolidation loan
Purpose of loan:
This loan will be used to...Pay off high interest credit card debt
My financial situation: Stable
I am a good candidate for this loan because...
I have a history of on time payments and stable employment
Monthly net income: $1700
Monthly expenses: $
Housing: $0
Insurance: $80
Car expenses: $100
Utilities: $
Phone, cable, internet: $200
Food, entertainment: $
Clothing, household expenses: $
Credit cards and other loans: $1200 without loan
Other expenses: $
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
500336
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
|
Amount:
| $8,500.00 |
Prosper Rating:
| B |
Listing Duration:
| 14 days
|
|
Minimum Amount to Fund:
| $5,950 |
Estimated loss*:
| 5.95% | | |
|
Term:
| 36 months | | | | |
|
|
Lender yield:
| 12.99% |
Borrower rate/APR:
| 13.99% / 16.15% |
Monthly payment:
| $290.47 |
| |
|
Lender servicing fee:
| 1.00% |
Effective Yield*:
| 12.77% | | |
| |
Estimated return*:
| 6.82% | | |
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
|
Prosper score (1-10):
| 8 |
First credit line:
| Oct-1994 |
Debt/Income ratio:
| 21% |
|
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: | 0y 2m |
|
Amount delinquent:
| $0 |
Total credit lines:
| 28 |
Occupation: | Other |
|
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $10,490 | Stated income: | $100,000+ |
|
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 37% | | |
| | |
Homeownership:
| Yes | | |
|
Screen name:
| wise-duty-fortress |
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
2007 HARLEY-DAVIDSON SPORTSTER
Purpose of loan:
This loan will be used to...
Purchase 2007 HARLEY-DAVIDSON SPORTSTER NIGHTSTER with 3200 Miles.
http://www.cycletrader.com/find/listing/2007-Harley-Davidson-SPORTSTER-NIGHTSTER-XL1200N--98339698
My financial situation:
I started work in High School and have always had a job without lapse since 1987. I usually have at least 6-7 years at each job. I just took a new job a couple of months ago because it was a $15k/year increase and an advancement in my IT career.
Monthly net income: $6200.00
Housing: $1150.00
Insurance: $150.00
Car expenses: $100.00
Utilities: $200.00
Phone, cable, internet: $100.00
Food, entertainment: $250.00
Clothing, household expenses: $100.00
Credit cards and other loans: $1250.00
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
500354
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*:
| 7.70% | | |
|
Term:
| 36 months | | | | |
|
|
Lender yield:
| 15.99% |
Borrower rate/APR:
| 16.99% / 20.32% |
Monthly payment:
| $71.30 |
| |
|
Lender servicing fee:
| 1.00% |
Effective Yield*:
| 15.63% | | |
| |
Estimated return*:
| 7.93% | | |
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
|
Prosper score (1-10):
| 8 |
First credit line:
| Oct-1999 |
Debt/Income ratio:
| Not calculated |
|
Credit score:
| 660-679 (Mar-2011) |
Inquiries last 6m:
| 0 | Employment status: | Employed |
|
Now delinquent:
| 0 |
Current / open credit lines:
| 9
/
9 | Length of status: | 1y 11m |
|
Amount delinquent:
| $0 |
Total credit lines:
| 9 |
Occupation: | Teacher |
|
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $6,802 | Stated income: | $25,000-$49,999 |
|
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 29% | | |
| | |
Homeownership:
| No | | |
|
Screen name:
| unforgettable-treasure8 |
Borrower's state:
| Oregon |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
| Loan history | Payment history | Credit score history |
|
Active / total loans:
| 1 / 1 |
On-time:
| 10 ( 100% )
| 660-679 (Latest)
|
|
Principal borrowed:
| $3,000.00 | < 31 days late:
| 0
( 0% )
| 640-659
(Apr-2010)
|
|
Principal balance:
| $2,386.11 |
31+ days late:
| 0
( 0% )
|
|
Total payments billed:
| 10 | | |
Description
Pay off high interest credit card
Purpose of loan:
Pay off a high interest credit card and get me through the summer.
My financial situation:
I am financially very sound, but this summer I will have 3 months with only 20 hours of work per week. After the Summer I start up as a teacher in Korea where my flight and accommodations are paid for and I will be making $2,500 a month. More than enough to pay off this entire loan in a year and have lots of money in the bank (or pay off all debts). I need to pay off a credit card that has been hurting me in and use the rest of the money to get me through the Summer. The stats below are current but will be about 2x as much in August.
Monthly net income: $ 1,800
Monthly expenses: $
Housing: $ 300
Insurance: $
Car expenses: $
Utilities: $ 30
Phone, cable, internet: $ 40
Food, entertainment: $ 150
Clothing, household expenses: $ 50
Credit cards and other loans: $ 300
Other expenses: $
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
500360
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
|
Amount:
| $3,000.00 |
Prosper Rating:
| D |
Listing Duration:
| 14 days
|
|
Minimum Amount to Fund:
| $2,100 |
Estimated loss*:
| 10.80% | | |
|
Term:
| 36 months | | | | |
|
|
Lender yield:
| 24.99% |
Borrower rate/APR:
| 25.99% / 29.51% |
Monthly payment:
| $120.86 |
| |
|
Lender servicing fee:
| 1.00% |
Effective Yield*:
| 24.37% | | |
| |
Estimated return*:
| 13.57% | | |
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
|
Prosper score (1-10):
| 7 |
First credit line:
| Dec-2002 |
Debt/Income ratio:
| 11% |
|
Credit score:
| 640-659 (Mar-2011) |
Inquiries last 6m:
| 0 | Employment status: | Employed |
|
Now delinquent:
| 1 |
Current / open credit lines:
| 3
/
3 | Length of status: | 8y 4m |
|
Amount delinquent:
| $230 |
Total credit lines:
| 9 |
Occupation: | Nurse's Aide |
|
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $2,396 | Stated income: | $25,000-$49,999 |
|
Delinquencies in last 7y:
| 3 |
Bankcard utilization:
| 95% | | |
| | |
Homeownership:
| No | | |
|
Screen name:
| rupee-bada-bing4 |
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
repair
No description was provided by the borrower.
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
500366
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
|
Amount:
| $15,000.00 |
Prosper Rating:
| D |
Listing Duration:
| 14 days
|
|
Minimum Amount to Fund:
| $10,500 |
Estimated loss*:
| 10.80% | | |
|
Term:
| 60 months | | | | |
|
|
Lender yield:
| 27.99% |
Borrower rate/APR:
| 28.99% / 31.42% |
Monthly payment:
| $476.04 |
| |
|
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:
| Jan-2000 |
Debt/Income ratio:
| 14% |
|
Credit score:
| 740-759 (Mar-2011) |
Inquiries last 6m:
| 4 | Employment status: | Employed |
|
Now delinquent:
| 0 |
Current / open credit lines:
| 13
/
13 | Length of status: | 5y 1m |
|
Amount delinquent:
| $0 |
Total credit lines:
| 25 |
Occupation: | Sales - Commission |
|
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $15,798 | Stated income: | $100,000+ |
|
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 63% | | |
| | |
Homeownership:
| Yes | | |
|
Screen name:
| kind-deal-ecstasy |
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
No description was provided by the borrower.
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
500378
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:
| D |
Listing Duration:
| 14 days
|
|
Minimum Amount to Fund:
| $5,600 |
Estimated loss*:
| 10.80% | | |
|
Term:
| 60 months | | | | |
|
|
Lender yield:
| 27.99% |
Borrower rate/APR:
| 28.99% / 31.42% |
Monthly payment:
| $253.89 |
| |
|
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):
| 5 |
First credit line:
| Aug-1985 |
Debt/Income ratio:
| Self-employed (DTI Not Calculated) |
|
Credit score:
| 740-759 (Mar-2011) |
Inquiries last 6m:
| 1 | Employment status: | Self-employed |
|
Now delinquent:
| 0 |
Current / open credit lines:
| 9
/
9 | Length of status: | 4y 6m |
|
Amount delinquent:
| $0 |
Total credit lines:
| 26 |
Occupation: | Other |
|
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $4,840 | Stated income: | $50,000-$74,999 |
|
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 35% | | |
| | |
Homeownership:
| No | | |
|
Screen name:
| sauceguy |
Borrower's state:
| Idaho |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Description
Italian Food company with 40+ accts
Purpose of loan:
This loan will be used to... Working capital
My financial situation:
I am a good candidate for this loan because...
Monthly net income: $30,000
Monthly expenses: $15,000
Housing: $2100
Insurance: $
Car expenses: $400
Utilities: $400
Phone, cable, internet: $300
Food, entertainment: $500
Clothing, household expenses: $100
Credit cards and other loans: $200
Other expenses: $2000
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
500384
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
|
Amount:
| $15,000.00 |
Prosper Rating:
| D |
Listing Duration:
| 14 days
|
|
Minimum Amount to Fund:
| $10,500 |
Estimated loss*:
| 10.80% | | |
|
Term:
| 36 months | | | | |
|
|
Lender yield:
| 24.99% |
Borrower rate/APR:
| 25.99% / 29.51% |
Monthly payment:
| $604.28 |
| |
|
Lender servicing fee:
| 1.00% |
Effective Yield*:
| 24.37% | | |
| |
Estimated return*:
| 13.57% | | |
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
|
Prosper score (1-10):
| 6 |
First credit line:
| Oct-1995 |
Debt/Income ratio:
| 46% |
|
Credit score:
| 760-779 (Mar-2011) |
Inquiries last 6m:
| 2 | Employment status: | Employed |
|
Now delinquent:
| 0 |
Current / open credit lines:
| 14
/
12 | Length of status: | 0y 5m |
|
Amount delinquent:
| $0 |
Total credit lines:
| 31 |
Occupation: | Doctor |
|
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $5,857 | Stated income: | $75,000-$99,999 |
|
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 16% | | |
| | |
Homeownership:
| Yes | | |
|
Screen name:
| a-note-hug |
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
NC Jayhawk
Purpose of loan: debt consolidation
This loan will be used to... pay off credit cards
My financial situation: Stable
I am a good candidate for this loan because... I have good payment history
Monthly net income: $7100
Monthly expenses: $ 2800
Housing: $ 770
Insurance: $ 100
Car expenses: $ 640
Utilities: $ 200
Phone, cab le, internet: $ 150
Food, entertainment: $ 200
Clothing, household expenses: $ 50
Credit cards and other loans: $ 300
Other expenses: $
Information in the Description is not verified.