Listing Report:Supplement No. 21 dated Apr 27, 2011 to Prospectus dated Apr 14, 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 Apr 14, 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 Apr 14, 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
488975
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount:
| $4,500.00 |
Prosper Rating:
| B |
Listing Duration:
| 14 days
|
Minimum Amount to Fund:
| $3,150 |
Estimated loss*:
| 4.95% | | |
Term:
| 36 months | | | | |
|
Lender yield:
| 10.99% |
Borrower rate/APR:
| 11.99% / 14.12% |
Monthly payment:
| $149.44 |
|
Lender servicing fee:
| 1.00% |
Effective Yield*:
| 10.83% | | |
| |
Estimated return*:
| 5.88% | | |
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10):
| 8 |
First credit line:
| Apr-1987 |
Debt/Income ratio:
| 17% |
Credit score:
| 720-739 (Apr-2011) |
Inquiries last 6m:
| 0 | Employment status: | Employed |
Now delinquent:
| 0 |
Current / open credit lines:
| 16
/
16 | Length of status: | 5y 5m |
Amount delinquent:
| $0 |
Total credit lines:
| 33 |
Occupation: | Accountant/CPA |
Public records last 12m / 10y:
| 0/ 1 |
Revolving credit balance:
| $49,868 | Stated income: | $100,000+ |
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 80% | | |
| |
Homeownership:
| Yes | | |
Screen name:
| joeyavanti |
Borrower's state:
| Maryland |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan history | Payment history | Credit score history |
Active / total loans:
| 1 / 1 |
On-time:
| 32 ( 97% )
| 720-739 (Latest)
|
Principal borrowed:
| $4,500.00 | < 31 days late:
| 1
( 3% )
| 660-679
(Jul-2008)
|
Principal balance:
| $0.00 |
31+ days late:
| 0
( 0% )
|
Total payments billed:
| 33 | | |
Description
Paying off high interest credit
Purpose of loan:
This loan will be used to pay off a high interest credit card. I am consolidating business finances that ran over to personal credit cards as a funding resource.
My financial situation:
I am a good candidate for this loan because I have an established and proven record of paying all debt that I have ever incurred. Simply put, I have no history of a default on any obligation...I pay my debts. To further support my case, I just successfully paid off my one and only Prosper loan. I found the Prosper environment perfect for my financing options and made all payments as promissed.
Monthly net income: $13,500
Monthly expenses: $9570
Housing: $2746
Insurance: $1155
Car expenses: $355
Utilities: $500
Phone, cable, internet: $184
Food, entertainment: $1160
Clothing, household expenses: $470
Credit cards and other loans: $1600
Other expenses: $1400
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
496519
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount:
| $5,000.00 |
Prosper Rating:
| E |
Listing Duration:
| 14 days
|
Minimum Amount to Fund:
| $5,000 |
Estimated loss*:
| 14.70% | | |
Term:
| 36 months | | | | |
|
Lender yield:
| 30.99% |
Borrower rate/APR:
| 31.99% / 35.64% |
Monthly payment:
| $217.74 |
|
Lender servicing fee:
| 1.00% |
Effective Yield*:
| 29.57% | | |
| |
Estimated return*:
| 14.87% | | |
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10):
| 5 |
First credit line:
| Sep-1995 |
Debt/Income ratio:
| 52% |
Credit score:
| 680-699 (Apr-2011) |
Inquiries last 6m:
| 0 | Employment status: | Employed |
Now delinquent:
| 0 |
Current / open credit lines:
| 7
/
7 | Length of status: | 1y 5m |
Amount delinquent:
| $0 |
Total credit lines:
| 10 |
Occupation: | Teacher's Aide |
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $9,632 | Stated income: | $1-$24,999 |
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 62% | | |
| |
Homeownership:
| No | | |
Screen name:
| bold-fascinating-ore |
Borrower's state:
| Virginia |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Description
My loan for debt consolidation
Purpose of loan:
This loan will be used to...pay off existing debt
My financial situation:
I am a good candidate for this loan because I do not have high monthly expenses.
Monthly net income: $1300
Monthly expenses: $350
Housing: $0
Insurance: $0
Car expenses: $100
Utilities: $0
Phone, cable, internet: $0
Food, entertainment: $0
Clothing, household expenses: $0
Credit cards and other loans: $250
Other expenses: $0
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
503967
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:
| $9,000.00 |
Prosper Rating:
| D |
Listing Duration:
| 14 days
|
Minimum Amount to Fund:
| $6,300 |
Estimated loss*:
| 10.80% | | |
Term:
| 36 months | | | | |
|
Lender yield:
| 24.99% |
Borrower rate/APR:
| 25.99% / 29.51% |
Monthly payment:
| $362.57 |
|
Lender servicing fee:
| 1.00% |
Effective Yield*:
| 24.37% | | |
| |
Estimated return*:
| 13.57% | | |
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10):
| 6 |
First credit line:
| Sep-1994 |
Debt/Income ratio:
| 22% |
Credit score:
| 720-739 (Apr-2011) |
Inquiries last 6m:
| 1 | Employment status: | Employed |
Now delinquent:
| 0 |
Current / open credit lines:
| 17
/
15 | Length of status: | 9y 11m |
Amount delinquent:
| $0 |
Total credit lines:
| 41 |
Occupation: | Computer Programmer |
Public records last 12m / 10y:
| 0/ 1 |
Revolving credit balance:
| $32,560 | Stated income: | $50,000-$74,999 |
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 73% | | |
| |
Homeownership:
| Yes | | |
Screen name:
| wise-profitable-income |
Borrower's state:
| Maryland |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Description
Business Loan
Purpose of loan:
Purchase 200 PC's for resale
My financial situation:
I am a good candidate for this loan because...
Can easily make the minimum payment selling just 2 units per month. Also have repair income, in addition to my w-2 income.
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
504005
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount:
| $12,500.00 |
Prosper Rating:
| D |
Listing Duration:
| 14 days
|
Minimum Amount to Fund:
| $12,500 |
Estimated loss*:
| 9.80% | | |
Term:
| 60 months | | | | |
|
Lender yield:
| 23.99% |
Borrower rate/APR:
| 24.99% / 27.32% |
Monthly payment:
| $366.82 |
|
Lender servicing fee:
| 1.00% |
Effective Yield*:
| 23.40% | | |
| |
Estimated return*:
| 13.60% | | |
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10):
| 5 |
First credit line:
| Nov-1999 |
Debt/Income ratio:
| 21% |
Credit score:
| 740-759 (Apr-2011) |
Inquiries last 6m:
| 2 | Employment status: | Employed |
Now delinquent:
| 0 |
Current / open credit lines:
| 12
/
11 | Length of status: | 8y 0m |
Amount delinquent:
| $0 |
Total credit lines:
| 49 |
Occupation: | Professional |
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $10,417 | Stated income: | $75,000-$99,999 |
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 42% | | |
| |
Homeownership:
| Yes | | |
Screen name:
| jeremp |
Borrower's state:
| Texas |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan history | Payment history | Credit score history |
Active / total loans:
| 0 / 1 |
On-time:
| 2 ( 100% )
| 740-759 (Latest)
|
Principal borrowed:
| $5,001.00 | < 31 days late:
| 0
( 0% )
| 700-719
(Jul-2009)
680-699
(May-2009)
700-719
(Sep-2008)
680-699
(Jun-2008)
|
Principal balance:
| $0.00 |
31+ days late:
| 0
( 0% )
|
Total payments billed:
| 2 | | |
Description
My loan for home improvement
Purpose of loan: Energy efficient home repairs
This loan will be used to add energy efficient upgrades to our house. Updated HVAC, new windows (including skylights).
My financial situation:
I am a good candidate for this loan because I live well below my means and I have great cash-flow. I maintain a humble lifestyle.
Monthly net income: $7900
Monthly expenses: $2200
Housing: $525
Insurance: $75
Car expenses: $400
Utilities: $200
Phone, cable, internet: $80
Food, entertainment: $200
Clothing, household expenses: $50
Credit cards and other loans: $200
Other expenses: $
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
504061
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:
| Feb-1982 |
Debt/Income ratio:
| 12% |
Credit score:
| 640-659 (Apr-2011) |
Inquiries last 6m:
| 1 | Employment status: | Other |
Now delinquent:
| 0 |
Current / open credit lines:
| 3
/
3 | Length of status: | 11y 6m |
Amount delinquent:
| $0 |
Total credit lines:
| 25 |
Occupation: | Other |
Public records last 12m / 10y:
| 0/ 1 |
Revolving credit balance:
| $1,934 | Stated income: | $50,000-$74,999 |
Delinquencies in last 7y:
| 35 |
Bankcard utilization:
| 92% | | |
| |
Homeownership:
| No | | |
Screen name:
| dynamic-investment5 |
Borrower's state:
| Virginia |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Description
dynamic-investment5
Purpose of loan: Medical required bed not covered by any insurance.
This loan will be used to...Chronic pain
My financial situation: I have Social Security and State Retirement direct deposited in bank account.
I am a good candidate for this loan because.. I was a Deputy Sheriff for 15 years service when a vehicle failed to stop and ran over me at a road checking detail. This caused a divorce. I have since remarried to a wonderful woman who is an adoption coordination manager for Catholic Charities. My wife makes excellent money at her job.
Monthly net income: $4,305.00
Monthly expenses: $2773.00
Housing: $1398.00
Insurance: $Included in house payment
Car expenses: $Wife pays
Utilities: $275.00
Phone, cable, internet: $425.00
Food, entertainment: $250.00
Clothing, household expenses: $250.00
Credit cards and other loans: $75.00
Other expenses: $100.00
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
504071
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount:
| $10,000.00 |
Prosper Rating:
| D |
Listing Duration:
| 14 days
|
Minimum Amount to Fund:
| $7,000 |
Estimated loss*:
| 10.80% | | |
Term:
| 36 months | | | | |
|
Lender yield:
| 24.99% |
Borrower rate/APR:
| 25.99% / 29.51% |
Monthly payment:
| $402.85 |
|
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-2005 |
Debt/Income ratio:
| 18% |
Credit score:
| 660-679 (Apr-2011) |
Inquiries last 6m:
| 1 | Employment status: | Employed |
Now delinquent:
| 0 |
Current / open credit lines:
| 5
/
4 | Length of status: | 7y 3m |
Amount delinquent:
| $0 |
Total credit lines:
| 7 |
Occupation: | Realtor |
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $7,375 | Stated income: | $100,000+ |
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 97% | | |
| |
Homeownership:
| No | | |
Screen name:
| asset-lyrics |
Borrower's state:
| Florida |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Description
Credit Card consolidation
Purpose of loan:
The purpose of this loan will be for consolidating my revolving credit card debt. Recently I have had to use my credit cards to pay for unexpected funeral expenses. This loan will be used to consolidate them into one monthly payment.
My financial situation:
I am a good candidate for this loan because I have an steady income and excellent repay history. In the past I have had loans which were paid on time and payments were made early in most cases. The ONLY neg factor on my credit is this revolving debt which has lowered my score. After all expenses I have an income of about $2800.
Monthly net income: $9800
Monthly expenses:
Housing: $2,200
Insurance: $ 275
Car expenses: $396
Utilities: $415
Phone, cable, internet: $200
Food, entertainment: $ 400
Clothing, household expenses: $ 350
Credit cards payments: $520
Other expenses: $ 1000
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
504085
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount:
| $4,500.00 |
Prosper Rating:
| AA |
Listing Duration:
| 14 days
|
Minimum Amount to Fund:
| $3,150 |
Estimated loss*:
| 1.55% | | |
Term:
| 12 months | | | | |
|
Lender yield:
| 5.49% |
Borrower rate/APR:
| 6.49% / 7.43% |
Monthly payment:
| $388.31 |
|
Lender servicing fee:
| 1.00% |
Effective Yield*:
| 5.50% | | |
| |
Estimated return*:
| 3.95% | | |
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10):
| 10 |
First credit line:
| Oct-1995 |
Debt/Income ratio:
| 14% |
Credit score:
| 800-819 (Apr-2011) |
Inquiries last 6m:
| 0 | Employment status: | Employed |
Now delinquent:
| 0 |
Current / open credit lines:
| 8
/
8 | Length of status: | 1y 11m |
Amount delinquent:
| $0 |
Total credit lines:
| 28 |
Occupation: | Professional |
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $2,034 | Stated income: | $50,000-$74,999 |
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 19% | | |
| |
Homeownership:
| Yes | | |
Screen name:
| noble-basis8 |
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
Credit Card Payoff
Purpose of loan:
This loan will be used to pay off a balance on a credit card.
My financial situation:
I am a professional civil engineer with stable employment. I have enough money in a money market account to pay off the card now, but I'd rather keep the savings and pay this off over the next year. My credit card had been under 7% not that long ago, but all credit card rates have gone up over the last year, and mine has risen to 13.24%. I'd just like to pay a little less interest while I finish paying this off. Also, paying that interest directly to a real person instead of to a big bank really appeals to me. The card is with Chase, and I'm gradually trying to move my banking and borrowing away from them.
My credit history is perfect. I have had mortgages, car loans, revolving credit, student loans, and other types of credit over the years, all in good standing. My credit report doesn't show any late payments or other problems.
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
504139
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount:
| $12,000.00 |
Prosper Rating:
| B |
Listing Duration:
| 14 days
|
Minimum Amount to Fund:
| $12,000 |
Estimated loss*:
| 5.95% | | |
Term:
| 60 months | | | | |
|
Lender yield:
| 16.99% |
Borrower rate/APR:
| 17.99% / 19.42% |
Monthly payment:
| $304.66 |
|
Lender servicing fee:
| 1.00% |
Effective Yield*:
| 16.71% | | |
| |
Estimated return*:
| 10.76% | | |
* 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:
| Mar-1996 |
Debt/Income ratio:
| 30% |
Credit score:
| 740-759 (Apr-2011) |
Inquiries last 6m:
| 0 | Employment status: | Employed |
Now delinquent:
| 0 |
Current / open credit lines:
| 13
/
13 | Length of status: | 3y 8m |
Amount delinquent:
| $0 |
Total credit lines:
| 59 |
Occupation: | Executive |
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $27,438 | Stated income: | $100,000+ |
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 46% | | |
| |
Homeownership:
| Yes | | |
Screen name:
| safe-fund1 |
Borrower's state:
| Kansas |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Description
Purchase Cars for Auto Dealership
Purpose of loan:
This loan will be used to purchase more inventory for a bonded, insured and licensed auto dealership.
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
504143
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount:
| $2,000.00 |
Prosper Rating:
| C |
Listing Duration:
| 14 days
|
Minimum Amount to Fund:
| $2,000 |
Estimated loss*:
| 8.70% | | |
Term:
| 12 months | | | | |
|
Lender yield:
| 17.49% |
Borrower rate/APR:
| 18.49% / 27.46% |
Monthly payment:
| $183.83 |
|
Lender servicing fee:
| 1.00% |
Effective Yield*:
| 17.09% | | |
| |
Estimated return*:
| 8.39% | | |
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10):
| 8 |
First credit line:
| Dec-2001 |
Debt/Income ratio:
| 5% |
Credit score:
| 640-659 (Apr-2011) |
Inquiries last 6m:
| 1 | Employment status: | Employed |
Now delinquent:
| 2 |
Current / open credit lines:
| 4
/
4 | Length of status: | 1y 6m |
Amount delinquent:
| $115 |
Total credit lines:
| 14 |
Occupation: | Other |
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $521 | Stated income: | $25,000-$49,999 |
Delinquencies in last 7y:
| 3 |
Bankcard utilization:
| 8% | | |
| |
Homeownership:
| No | | |
Screen name:
| dhumil |
Borrower's state:
| Illinois |
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
She Said Yes!
Purpose of loan: Finance 30% of the Engagement Ring
Loan used to Pay the remaining balance on Blue Nile.com Credit card services. I purchased a 1.07 carat engagement ring for $4800 paid $3100 cash & defer $1700 on BlueNile Credit Card 0% for 6 months which will be coming due in April i have a remaining Balance of $1500. It will back track the interest for past 6 months at 24% if not fully paid.
I have a great career as a licensed banker. I pay my CC balance in full 100% on time payment. I also am a consultant on part time basis. I have been a lender with prosper http://tinyurl.com/3whbsfx believer in prosper & i rather pay interest to the community where i lend than CC.
Monthly net income: $2800
Monthly Exp.
Housing:$800
Insurance:$160
Car exp:$0(paid off)
Utilities:$85
At&t uverse:$150
Food, ent. :$350
Clothing, household expenses:$200
CC and loans:$0
Thank you for taking the time to read my listing. If you have any questions please ask.
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
504149
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):
| 5 |
First credit line:
| Jul-2000 |
Debt/Income ratio:
| 34% |
Credit score:
| 640-659 (Apr-2011) |
Inquiries last 6m:
| 0 | Employment status: | Employed |
Now delinquent:
| 0 |
Current / open credit lines:
| 9
/
8 | Length of status: | 5y 3m |
Amount delinquent:
| $0 |
Total credit lines:
| 19 |
Occupation: | Skilled Labor |
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $4,278 | Stated income: | $25,000-$49,999 |
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 99% | | |
| |
Homeownership:
| Yes | | |
Screen name:
| icon040 |
Borrower's state:
| Alabama |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan history | Payment history | Credit score history |
Active / total loans:
| 1 / 1 |
On-time:
| 12 ( 100% )
| 640-659 (Latest)
|
Principal borrowed:
| $6,000.00 | < 31 days late:
| 0
( 0% )
| 740-759
(Apr-2010)
|
Principal balance:
| $4,180.49 |
31+ days late:
| 0
( 0% )
|
Total payments billed:
| 12 | | |
Description
Attorney Fees
This loan will be used to pay legal fees to take my ex to court. She?s refused to let me get my kids on numerous occasions & I can't continue to not see them. I am also modifying my decree. I will ask for some of the legal fees back from her in court.
Financial situation:
I have a steady income & pay my bills on time. My credit score has dropped since my last loan due to my ex not paying the final bills in my name at our home. I just found out about this & paid them immediately. They have been removed from my credit report (0 delinquencies) but it hasn't reflected in my score yet.
Monthly net income: $1800
Expenses: $1449 (w/ this loan)
Housing: $0
Insurance: $112
Car: $450
Utilities: $122
Phone,cable,internet: $0 (free w/ job)
Food/Entertainment: $175
Clothing/household expenses: $50
Credit cards/loans: $302 + $173 (this loan)
*Income is assuming I get little/no OT which is rare. I budget assuming I won't get any in case that occurs. I am also due a raise*
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
504151
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount:
| $2,500.00 |
Prosper Rating:
| E |
Listing Duration:
| 14 days
|
Minimum Amount to Fund:
| $2,500 |
Estimated loss*:
| 14.70% | | |
Term:
| 12 months | | | | |
|
Lender yield:
| 25.69% |
Borrower rate/APR:
| 26.69% / 35.84% |
Monthly payment:
| $239.67 |
|
Lender servicing fee:
| 1.00% |
Effective Yield*:
| 24.52% | | |
| |
Estimated return*:
| 9.82% | | |
* 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):
| 4 |
First credit line:
| Jan-2003 |
Debt/Income ratio:
| 33% |
Credit score:
| 740-759 (Apr-2011) |
Inquiries last 6m:
| 4 | Employment status: | Employed |
Now delinquent:
| 0 |
Current / open credit lines:
| 9
/
8 | Length of status: | 5y 2m |
Amount delinquent:
| $0 |
Total credit lines:
| 16 |
Occupation: | Clerical |
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $5,508 | Stated income: | $25,000-$49,999 |
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 51% | | |
| |
Homeownership:
| Yes | | |
Screen name:
| lean-credit |
Borrower's state:
| Arizona |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Description
Car Pay Off!
Purpose of loan: This loan will be used to...I have approximately $2500 left to pay off my car. I had recently accellerated the pay off date of my car and was going to be closing the loan in August of this year. I would like to pay it off before then.
My financial situation:
I am a good candidate for this loan because... I pay my bills on time every single month. I do not have excessive debt and am looking to improve my overall financial situation by paying off my car faster.
Monthly net income: $2954
Monthly expenses: $
Housing: $400
Insurance: $
Car expenses: $40 (I take the bus to work, drive my car maybe 2 miles per day)
Utilities: $140
Phone, cable, internet: $130
Food, entertainment: $100
Clothing, household expenses: $50
Credit cards and other loans: $100
Other expenses: $
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
504163
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount:
| $6,500.00 |
Prosper Rating:
| D |
Listing Duration:
| 14 days
|
Minimum Amount to Fund:
| $4,550 |
Estimated loss*:
| 9.80% | | |
Term:
| 36 months | | | | |
|
Lender yield:
| 20.99% |
Borrower rate/APR:
| 21.99% / 25.42% |
Monthly payment:
| $248.20 |
|
Lender servicing fee:
| 1.00% |
Effective Yield*:
| 20.48% | | |
| |
Estimated return*:
| 10.68% | | |
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10):
| 7 |
First credit line:
| Aug-1998 |
Debt/Income ratio:
| 13% |
Credit score:
| 680-699 (Apr-2011) |
Inquiries last 6m:
| 1 | Employment status: | Employed |
Now delinquent:
| 0 |
Current / open credit lines:
| 7
/
6 | Length of status: | 1y 11m |
Amount delinquent:
| $0 |
Total credit lines:
| 37 |
Occupation: | Professional |
Public records last 12m / 10y:
| 0/ 1 |
Revolving credit balance:
| $5,243 | Stated income: | $75,000-$99,999 |
Delinquencies in last 7y:
| 2 |
Bankcard utilization:
| 80% | | |
| |
Homeownership:
| Yes | | |
Screen name:
| diversification-enlistment |
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.
Prosper Activity
Loan history | Payment history | Credit score history |
Active / total loans:
| 0 / 1 |
On-time:
| 4 ( 100% )
| 680-699 (Latest)
|
Principal borrowed:
| $1,700.00 | < 31 days late:
| 0
( 0% )
| 720-739
(Nov-2010)
640-659
(Oct-2009)
|
Principal balance:
| $0.00 |
31+ days late:
| 0
( 0% )
|
Total payments billed:
| 4 | | |
Description
Improve My Kitchen
Purpose of loan:
This loan will be used to update my kitchen.
My financial situation:
I am a good candidate for this loan because I am a responsibile person with a good job and I will sign up for automatic payments. I too am a Prosper lender and I have also borrowed from Prosper in the past. All payments were made on time.
Monthly net income: $6500
Monthly expenses: $
Housing: $ 1861
Insurance: $ 174
Car expenses: $ 294
Utilities: $ 200
Phone, cable, internet: $ 176
Food, entertainment: $ 500
Clothing, household expenses: $
Credit cards and other loans: $ 50
Other expenses: $ 300
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
504197
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount:
| $10,000.00 |
Prosper Rating:
| B |
Listing Duration:
| 14 days
|
Minimum Amount to Fund:
| $7,000 |
Estimated loss*:
| 5.95% | | |
Term:
| 36 months | | | | |
|
Lender yield:
| 13.99% |
Borrower rate/APR:
| 14.99% / 17.16% |
Monthly payment:
| $346.60 |
|
Lender servicing fee:
| 1.00% |
Effective Yield*:
| 13.77% | | |
| |
Estimated return*:
| 7.82% | | |
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10):
| 8 |
First credit line:
| Jun-1998 |
Debt/Income ratio:
| 37% |
Credit score:
| 760-779 (Apr-2011) |
Inquiries last 6m:
| 0 | Employment status: | Employed |
Now delinquent:
| 0 |
Current / open credit lines:
| 9
/
8 | Length of status: | 7y 3m |
Amount delinquent:
| $0 |
Total credit lines:
| 34 |
Occupation: | Teacher |
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $17,420 | Stated income: | $50,000-$74,999 |
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 45% | | |
| |
Homeownership:
| Yes | | |
Screen name:
| dkasbury |
Borrower's state:
| Maryland |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Description
New Baby! Get rid of CC debt!
Purpose of loan: Pay off credit card debt faster
This loan will be used to... Pay off credit card debt that has 25% APR faster in order to become more financially stable when the new baby arrives.I will pay more than the minimum each month. I will have this paid off in less than a year I promise!
My financial situation: Bank of America
I am a good candidate for this loan because... Hard working and always pay my bills on time.I'm a teacher and my wife is a nurse. I also coach and referee basketball and umpire little league baseball.
Monthly net income: $3000 + wife $4000
Monthly expenses (See Below)
Housing: $1,100
Car Insurance: $160
Car expenses: $875 (2 cars) Will be payed off by March 2012
Utilities: $130
Phone, cable, internet: $200
Food, entertainment: $300
Clothing, household expenses: $
Credit cards: $725
Student Loans: $325
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
491628
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:
| E |
Listing Duration:
| 14 days
|
Minimum Amount to Fund:
| $4,900 |
Estimated loss*:
| 14.70% | | |
Term:
| 36 months | | | | |
|
Lender yield:
| 27.99% |
Borrower rate/APR:
| 28.99% / 32.58% |
Monthly payment:
| $293.30 |
|
Lender servicing fee:
| 1.00% |
Effective Yield*:
| 26.71% | | |
| |
Estimated return*:
| 12.01% | | |
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10):
| 5 |
First credit line:
| Jun-1985 |
Debt/Income ratio:
| 20% |
Credit score:
| 700-719 (Apr-2011) |
Inquiries last 6m:
| 4 | Employment status: | Employed |
Now delinquent:
| 0 |
Current / open credit lines:
| 14
/
12 | Length of status: | 6y 8m |
Amount delinquent:
| $0 |
Total credit lines:
| 43 |
Occupation: | Attorney |
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $9,141 | Stated income: | $100,000+ |
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 89% | | |
| |
Homeownership:
| Yes | | |
Screen name:
| exchange-wizard |
Borrower's state:
| NewJersey |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan history | Payment history | Credit score history |
Active / total loans:
| 1 / 1 |
On-time:
| 16 ( 100% )
| 700-719 (Latest)
|
Principal borrowed:
| $4,500.00 | < 31 days late:
| 0
( 0% )
| 700-719
(Oct-2010)
680-699
(Nov-2009)
|
Principal balance:
| $3,044.21 |
31+ days late:
| 0
( 0% )
|
Total payments billed:
| 16 | | |
Description
"Never Pays Late Borrower"
Purpose of loan:
This loan will be used to consolidate and manage current debt.
My financial situation:
I am a good candidate for this loan because I am a solid borrower. My credit is very good and I pay all of my bills on time--never late. I am a responsible attorney who built up some debt in the past few years, hence the need for a lump sum amount to reduce my current debt.
I have a strong salary and I'm going on 7 years at the same company. My reputation in the legal community is very strong. I am a responsible borrower who is able to repay this loan without any problems or concerns.
Monthly net income: $16250.00
Monthly expenses: $7750
Housing: $3700
Insurance: $250
Car expenses: $800
Utilities: $300
Phone, cable, internet: $200
Food, entertainment: $400
Clothing, household expenses: $200
Credit cards and other loans: $1500
Other expenses: $400
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
492382
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:
| $9,000.00 |
Prosper Rating:
| C |
Listing Duration:
| 14 days
|
Minimum Amount to Fund:
| $6,300 |
Estimated loss*:
| 7.70% | | |
Term:
| 36 months | | | | |
|
Lender yield:
| 15.99% |
Borrower rate/APR:
| 16.99% / 20.32% |
Monthly payment:
| $320.83 |
|
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:
| Feb-2006 |
Debt/Income ratio:
| Not calculated |
Credit score:
| 680-699 (Apr-2011) |
Inquiries last 6m:
| 0 | Employment status: | Employed |
Now delinquent:
| 0 |
Current / open credit lines:
| 10
/
10 | Length of status: | 2y 8m |
Amount delinquent:
| $0 |
Total credit lines:
| 14 |
Occupation: | Food Service Manage... |
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $3,701 | Stated income: | $25,000-$49,999 |
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 22% | | |
| |
Homeownership:
| No | | |
Screen name:
| albert_8ps |
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.
Prosper Activity
Loan history | Payment history | Credit score history |
Active / total loans:
| 1 / 1 |
On-time:
| 12 ( 100% )
| 680-699 (Latest)
|
Principal borrowed:
| $1,000.00 | < 31 days late:
| 0
( 0% )
| 720-739
(Mar-2010)
|
Principal balance:
| $290.68 |
31+ days late:
| 0
( 0% )
|
Total payments billed:
| 12 | | |
Description
My loan for debt consolidation
I am planning to use this money to consolidate my credit cards debt. I am perfect candidate for this loan because I ALWAYS PAY ON TIME, and this are my numbers:
Monthly income: $ 2,500.00
Rent and bills$ 500.00
Car & insurance payment:$330.00
Meals & entertainment: $300.00
Cell phone:$60.00
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
501212
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount:
| $7,500.00 |
Prosper Rating:
| C |
Listing Duration:
| 14 days
|
Minimum Amount to Fund:
| $5,250 |
Estimated loss*:
| 7.70% | | |
Term:
| 36 months | | | | |
|
Lender yield:
| 15.99% |
Borrower rate/APR:
| 16.99% / 20.32% |
Monthly payment:
| $267.36 |
|
Lender servicing fee:
| 1.00% |
Effective Yield*:
| 15.63% | | |
| |
Estimated return*:
| 7.93% | | |
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10):
| 8 |
First credit line:
| Jul-1998 |
Debt/Income ratio:
| 21% |
Credit score:
| 700-719 (Apr-2011) |
Inquiries last 6m:
| 0 | Employment status: | Employed |
Now delinquent:
| 0 |
Current / open credit lines:
| 8
/
7 | Length of status: | 3y 10m |
Amount delinquent:
| $0 |
Total credit lines:
| 16 |
Occupation: | Tradesman - Electri... |
Public records last 12m / 10y:
| 0/ 1 |
Revolving credit balance:
| $13,133 | Stated income: | $25,000-$49,999 |
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 52% | | |
| |
Homeownership:
| Yes | | |
Screen name:
| wise-integrity-powerplant |
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.
Prosper Activity
Loan history | Payment history | Credit score history |
Active / total loans:
| 0 / 1 |
On-time:
| 4 ( 100% )
| 700-719 (Latest)
|
Principal borrowed:
| $2,000.00 | < 31 days late:
| 0
( 0% )
| 640-659
(Aug-2009)
|
Principal balance:
| $0.00 |
31+ days late:
| 0
( 0% )
|
Total payments billed:
| 4 | | |
Description
My loan for debt consolidation
Purpose of loan:
This loan will be used to...debt consolidation and home improvements
My financial situation:
I am a good candidate for this loan because...I'm just finishing the 4th year of a 5 year electrical apprenticeship program. Next pay raise will be June 2011 in the amt. of $3 an hour and another of June 2012.
Monthly net income: $2682.28
Monthly expenses: $
Housing: $723.00
Insurance: $house ins. included in payment
Car expenses: $58ins $300 fuel/maint
Utilities: $250
Phone, cable, internet: $87
Food, entertainment: $100
Clothing, household expenses: $100
Credit cards and other loans: $445
Other expenses: $
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
501614
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount:
| $2,000.00 |
Prosper Rating:
| D |
Listing Duration:
| 14 days
|
Minimum Amount to Fund:
| $2,000 |
Estimated loss*:
| 9.80% | | |
Term:
| 36 months | | | | |
|
Lender yield:
| 20.99% |
Borrower rate/APR:
| 21.99% / 25.42% |
Monthly payment:
| $76.37 |
|
Lender servicing fee:
| 1.00% |
Effective Yield*:
| 20.48% | | |
| |
Estimated return*:
| 10.68% | | |
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10):
| 8 |
First credit line:
| May-2000 |
Debt/Income ratio:
| 10% |
Credit score:
| 620-639 (Apr-2011) |
Inquiries last 6m:
| 0 | Employment status: | Employed |
Now delinquent:
| 0 |
Current / open credit lines:
| 2
/
2 | Length of status: | 4y 7m |
Amount delinquent:
| $0 |
Total credit lines:
| 12 |
Occupation: | Social Worker |
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $74 | Stated income: | $1-$24,999 |
Delinquencies in last 7y:
| 23 |
Bankcard utilization:
| 9% | | |
| |
Homeownership:
| No | | |
Screen name:
| mystical-velocity3 |
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.
Prosper Activity
Loan history | Payment history | Credit score history |
Active / total loans:
| 1 / 1 |
On-time:
| 10 ( 83% )
| 620-639 (Latest)
|
Principal borrowed:
| $1,500.00 | < 31 days late:
| 2
( 17% )
| 660-679
(Mar-2010)
|
Principal balance:
| $346.20 |
31+ days late:
| 0
( 0% )
|
Total payments billed:
| 12 | | |
Description
Baby on the way!
Purpose of loan: To purchase a few of the necessities we need and have a little extra money in the bank.
My financial situation: Is really good right now, we are not behind on any payments. I would just feel more secure with a little extra money in the bank for new baby items.
Monthly net income: $1500
Housing: $550
Insurance: $100
Car expenses: $80
Utilities: $143
Phone, cable, internet: $110
Food, entertainment: $100
Clothing, household expenses: $10
Credit card expenses: $0
Other expenses: $0
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
503226
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount:
| $6,000.00 |
Prosper Rating:
| C |
Listing Duration:
| 14 days
|
Minimum Amount to Fund:
| $4,200 |
Estimated loss*:
| 8.70% | | |
Term:
| 36 months | | | | |
|
Lender yield:
| 18.49% |
Borrower rate/APR:
| 19.49% / 22.87% |
Monthly payment:
| $221.43 |
|
Lender servicing fee:
| 1.00% |
Effective Yield*:
| 18.06% | | |
| |
Estimated return*:
| 9.36% | | |
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10):
| 8 |
First credit line:
| Dec-1999 |
Debt/Income ratio:
| 5% |
Credit score:
| 700-719 (Apr-2011) |
Inquiries last 6m:
| 1 | Employment status: | Employed |
Now delinquent:
| 0 |
Current / open credit lines:
| 1
/
1 | Length of status: | 4y 10m |
Amount delinquent:
| $0 |
Total credit lines:
| 34 |
Occupation: | Sales - Retail |
Public records last 12m / 10y:
| 0/ 1 |
Revolving credit balance:
| $141 | Stated income: | $50,000-$74,999 |
Delinquencies in last 7y:
| 58 |
Bankcard utilization:
| 9% | | |
| |
Homeownership:
| No | | |
Screen name:
| deadi28 |
Borrower's state:
| Oregon |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Description
Debt Free with Solid Income
Purpose of loan: Next step rebuilding credit.
This loan will be used to... My wife and I plan to put this money in our savings account as we continue to build our credit so that we can eventually buy a house.
My financial situation: We are debt free!
I am a good candidate for this loan because... Our credit was stellar until we got a little over our heads with real estate investment a few years ago. Lesson learned. And since we are using this loan to rebuild our credit it's safe to say the we will never miss or even be late with any payments.
Monthly net income: $ 4700.00
Monthly expenses: $ 3228.52
Housing: $ 1247.00
Insurance: $ 128.63
Car expenses: $ 0
Utilities: $ 351.41
Phone, cable, internet: $ 151.48 (includes cell)
Food, entertainment: $ 850.00
Clothing, household expenses: $ 150.00
Credit cards and other loans: $ 0
Other expenses: $ 350.00
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
503976
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*:
| 9.80% | | |
Term:
| 60 months | | | | |
|
Lender yield:
| 23.99% |
Borrower rate/APR:
| 24.99% / 27.32% |
Monthly payment:
| $234.76 |
|
Lender servicing fee:
| 1.00% |
Effective Yield*:
| 23.40% | | |
| |
Estimated return*:
| 13.60% | | |
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10):
| 7 |
First credit line:
| Sep-2001 |
Debt/Income ratio:
| 12% |
Credit score:
| 620-639 (Apr-2011) |
Inquiries last 6m:
| 1 | Employment status: | Employed |
Now delinquent:
| 2 |
Current / open credit lines:
| 4
/
3 | Length of status: | 1y 10m |
Amount delinquent:
| $969 |
Total credit lines:
| 12 |
Occupation: | Sales - Commission |
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $524 | Stated income: | $25,000-$49,999 |
Delinquencies in last 7y:
| 10 |
Bankcard utilization:
| 49% | | |
| |
Homeownership:
| No | | |
Screen name:
| bstunna2002 |
Borrower's state:
| Hawaii |
Borrower's group:
| 440+ Supporting Lenders. Get FUNDED @ LOWER % than ANY group |
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:
| 33 ( 94% )
| 620-639 (Latest)
|
Principal borrowed:
| $1,000.00 | < 31 days late:
| 2
( 6% )
| 520-539
(Mar-2007)
|
Principal balance:
| $0.00 |
31+ days late:
| 0
( 0% )
|
Total payments billed:
| 35 | | |
Description
Personal Loan
Purpose of loan:
This loan will be used to..Pay off my CC and Fix my Car
My financial situation:
I am a good candidate for this loan because...I have good standing record with prosper...I have made significant improvments in my credit score and with help I aim to continue to improve
Monthly net income:$3000
Monthly expenses:$2400
Housing:$400
Insurance:$100
Car expenses:$406
Utilities:$100
Phone, cable, internet:$150
Food, entertainment:$400
Clothing, household expenses:$150
Credit cards and other loans: $600
Other expenses: $0
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
503982
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount:
| $3,500.00 |
Prosper Rating:
| HR |
Listing Duration:
| 14 days
|
Minimum Amount to Fund:
| $2,450 |
Estimated loss*:
| 18.30% | | |
Term:
| 36 months | | | | |
|
Lender yield:
| 30.99% |
Borrower rate/APR:
| 31.99% / 35.64% |
Monthly payment:
| $152.42 |
|
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-1997 |
Debt/Income ratio:
| 18% |
Credit score:
| 640-659 (Apr-2011) |
Inquiries last 6m:
| 4 | Employment status: | Employed |
Now delinquent:
| 0 |
Current / open credit lines:
| 28
/
16 | Length of status: | 3y 10m |
Amount delinquent:
| $0 |
Total credit lines:
| 54 |
Occupation: | Professional |
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $15,781 | Stated income: | $100,000+ |
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 59% | | |
| |
Homeownership:
| Yes | | |
Screen name:
| engrossing-dedication7 |
Borrower's state:
| Arizona |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Description
Reliable professional seeks loan.
Purpose of loan:
This loan will be used to payoff high-interest debt and close an old credit card.
My financial situation:
I am a good candidate for this loan because I have a reliable, high income and stable employment. I am seeking to improve my credit in the next 6-9 months by paying off revolving debt and not using credit card debt anymore. I am a homeowner and also current on my mortgage, auto loan, and all other accounts. My intention is to use this loan payoff short-term card debt and actually then pay this Prosper loan off early with year-end bonus money and other investment income in December 2011.
Monthly Gross income: $9583
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
504006
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:
| C |
Listing Duration:
| 14 days
|
Minimum Amount to Fund:
| $5,600 |
Estimated loss*:
| 8.70% | | |
Term:
| 36 months | | | | |
|
Lender yield:
| 18.49% |
Borrower rate/APR:
| 19.49% / 22.87% |
Monthly payment:
| $295.23 |
|
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:
| Feb-1984 |
Debt/Income ratio:
| 26% |
Credit score:
| 780-799 (Apr-2011) |
Inquiries last 6m:
| 0 | Employment status: | Employed |
Now delinquent:
| 0 |
Current / open credit lines:
| 13
/
8 | Length of status: | 5y 8m |
Amount delinquent:
| $0 |
Total credit lines:
| 52 |
Occupation: | Professor |
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $50,852 | Stated income: | $75,000-$99,999 |
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 87% | | |
| |
Homeownership:
| Yes | | |
Screen name:
| eclair954 |
Borrower's state:
| Maryland |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Description
Bet your bottom dollar here!
This loan will be used to payoff credit card and other accounts that have already been closed. I am financially stable and gainfully employed but feeling very squeezed. I have been furloughed for three years, resulting in income reduction. Additionally, I am about to adopt another child--this time from foster care (no adoption expense)--and it would help if I could reduce my debt. I am a good candidate for this loan because each month I pay my debts on time and often above the minimum payment.
Monthly net income: $4500
Monthly expenses: $4100
Housing: (including homeowner's) $2000
Insurance: (life insurances, appliance, etc) $50
Car expenses: (insurance) $100.00
Utilities: $ 375.00
Phone, cable, internet: $100.00
Food, entertainment: $100.00
Clothing, household expenses: (after-care, childcare) $350.00
Credit cards and other loans: $350.00
Other expenses: (student loan) $675.00
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
504094
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount:
| $3,000.00 |
Prosper Rating:
| HR |
Listing Duration:
| 14 days
|
Minimum Amount to Fund:
| $2,100 |
Estimated loss*:
| 18.30% | | |
Term:
| 36 months | | | | |
|
Lender yield:
| 30.99% |
Borrower rate/APR:
| 31.99% / 35.64% |
Monthly payment:
| $130.65 |
|
Lender servicing fee:
| 1.00% |
Effective Yield*:
| 29.17% | | |
| |
Estimated return*:
| 10.87% | | |
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10):
| 4 |
First credit line:
| Nov-2002 |
Debt/Income ratio:
| 48% |
Credit score:
| 640-659 (Apr-2011) |
Inquiries last 6m:
| 0 | Employment status: | Employed |
Now delinquent:
| 0 |
Current / open credit lines:
| 7
/
7 | Length of status: | 0y 1m |
Amount delinquent:
| $0 |
Total credit lines:
| 10 |
Occupation: | Other |
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $17,851 | Stated income: | $25,000-$49,999 |
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 94% | | |
| |
Homeownership:
| No | | |
Screen name:
| order-venture |
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
Short Term Loan
Purpose of loan:
This loan will be used in helping my parents out with their medical expenses while they both are dealing with lawyers. They were involved in a terrible car accident this past New Years Eve from a guy who had ran a red light and had t-boned my parents leaving them with a lot of medical bills, financial hardships and emotional drained from all this.
My financial situation:
I am a good candidate for this loan because I am very responsible and always pay my bills on time and never have been delinquent on anything. I recently changed my job for the better. And make more money than I have been in the past years at my prior employer.
On another note I have the backing of my sister, Who will be teaming up on paying back this loan out as soon as possible vs waiting the 3 years to pay it off. So paying back this loan is not a problem.
Monthly net income: $2500
Insurance: $130
Car expenses: $300
Phone, cable, internet: $30
Credit cards and other loans: $200
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
504106
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount:
| $2,500.00 |
Prosper Rating:
| D |
Listing Duration:
| 14 days
|
Minimum Amount to Fund:
| $2,500 |
Estimated loss*:
| 10.80% | | |
Term:
| 12 months | | | | |
|
Lender yield:
| 22.99% |
Borrower rate/APR:
| 23.99% / 33.08% |
Monthly payment:
| $236.39 |
|
Lender servicing fee:
| 1.00% |
Effective Yield*:
| 22.43% | | |
| |
Estimated return*:
| 11.63% | | |
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10):
| 6 |
First credit line:
| Jan-1997 |
Debt/Income ratio:
| 33% |
Credit score:
| 660-679 (Apr-2011) |
Inquiries last 6m:
| 0 | Employment status: | Employed |
Now delinquent:
| 0 |
Current / open credit lines:
| 6
/
6 | Length of status: | 3y 9m |
Amount delinquent:
| $0 |
Total credit lines:
| 31 |
Occupation: | Professional |
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $5,950 | Stated income: | $25,000-$49,999 |
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 73% | | |
| |
Homeownership:
| No | | |
Screen name:
| red-joyous-asset |
Borrower's state:
| Tennessee |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Description
Reliable & Quick Payoff
Purpose of loan:
Pay off last minute wedding balances for wedding in 1 month.
My financial situation:
Make on time payments & this will be paid off early by me & my fiance. Just need lump sum to pay things off fast to reduce stress.
Monthly net income: $ 5000
Monthly expenses:
Housing: 850
Insurance:
Car expenses: 460
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
504146
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*:
| 9.80% | | |
Term:
| 60 months | | | | |
|
Lender yield:
| 23.99% |
Borrower rate/APR:
| 24.99% / 27.32% |
Monthly payment:
| $440.18 |
|
Lender servicing fee:
| 1.00% |
Effective Yield*:
| 23.40% | | |
| |
Estimated return*:
| 13.60% | | |
* 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-1997 |
Debt/Income ratio:
| 27% |
Credit score:
| 720-739 (Apr-2011) |
Inquiries last 6m:
| 2 | Employment status: | Employed |
Now delinquent:
| 0 |
Current / open credit lines:
| 13
/
11 | Length of status: | 2y 1m |
Amount delinquent:
| $0 |
Total credit lines:
| 36 |
Occupation: | Computer Programmer |
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $119,519 | Stated income: | $100,000+ |
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 87% | | |
| |
Homeownership:
| Yes | | |
Screen name:
| MoneyTree_Lending |
Borrower's state:
| Ohio |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan history | Payment history | Credit score history |
Active / total loans:
| 0 / 2 |
On-time:
| 57 ( 100% )
| 720-739 (Latest)
|
Principal borrowed:
| $15,000.00 | < 31 days late:
| 0
( 0% )
| 700-719
(Jun-2008)
680-699
(Mar-2008)
660-679
(Feb-2008)
740-759
(Apr-2007)
|
Principal balance:
| $0.00 |
31+ days late:
| 0
( 0% )
|
Total payments billed:
| 57 | | |
Description
Need help with taxes
Purpose of loan:
I found myself with a large tax bill that I need to get paid quickly. I would rather not make a deal with the IRS and would rather borrow the money to make the payment then pay the loan back.
My financial situation:
I am a good candidate for this loan because I have used Prosper two other times and I've paid both loans in full and never missed a single payment. Both loans were even paid off early. My business is young but growing with a guaranteed contract worth $162,000 a year.
Monthly net income: $6000
Monthly expenses:
Housing: $2000
Insurance: $200
Car expenses: $600
Utilities: $400
Phone, cable, internet: $100
Food, entertainment: $200
Clothing, household expenses: $300
Credit cards and other loans: $1400
Other expenses: $
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
504152
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount:
| $10,000.00 |
Prosper Rating:
| D |
Listing Duration:
| 14 days
|
Minimum Amount to Fund:
| $7,000 |
Estimated loss*:
| 10.80% | | |
Term:
| 60 months | | | | |
|
Lender yield:
| 27.99% |
Borrower rate/APR:
| 28.99% / 31.42% |
Monthly payment:
| $317.36 |
|
Lender servicing fee:
| 1.00% |
Effective Yield*:
| 27.29% | | |
| |
Estimated return*:
| 16.49% | | |
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10):
| 7 |
First credit line:
| Jan-2003 |
Debt/Income ratio:
| Self-employed (DTI Not Calculated) |
Credit score:
| 720-739 (Apr-2011) |
Inquiries last 6m:
| 1 | Employment status: | Self-employed |
Now delinquent:
| 0 |
Current / open credit lines:
| 14
/
14 | Length of status: | 3y 4m |
Amount delinquent:
| $0 |
Total credit lines:
| 25 |
Occupation: | Professional |
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $11,646 | Stated income: | $100,000+ |
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 25% | | |
| |
Homeownership:
| No | | |
Screen name:
| euro-shepherd |
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
Seeking to increase Inventory
Purpose of loan: Increase Inventory
This loan will be used to purchase additional inventory for sales.
My financial situation: Very good with great outlook.
I am a good candidate for this loan because the business is in electronics/accessories industry. Net profit margins are about 30-40% Demand has been increasing but because of lack of inventory, company must reject or delay sales orders. If there is more liquidity to increase inventory, it will position the company to accept larger orders and more new business.
Monthly net income: $10,667
Monthly expenses: $6,800
Housing: $2,000
Insurance: $160
Car expenses: $0
Utilities: $200
Phone, cable, internet: $200
Food, entertainment: $700
Clothing, household expenses: $70
Credit cards and other loans: $1,000
Other expenses: $2,470
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
504166
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*:
| 9.80% | | |
Term:
| 12 months | | | | |
|
Lender yield:
| 18.99% |
Borrower rate/APR:
| 19.99% / 29.00% |
Monthly payment:
| $463.15 |
|
Lender servicing fee:
| 1.00% |
Effective Yield*:
| 18.54% | | |
| |
Estimated return*:
| 8.74% | | |
* 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-1994 |
Debt/Income ratio:
| 19% |
Credit score:
| 640-659 (Apr-2011) |
Inquiries last 6m:
| 1 | Employment status: | Employed |
Now delinquent:
| 0 |
Current / open credit lines:
| 7
/
3 | Length of status: | 0y 8m |
Amount delinquent:
| $0 |
Total credit lines:
| 12 |
Occupation: | Administrative Assi... |
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $2,488 | Stated income: | $25,000-$49,999 |
Delinquencies in last 7y:
| 10 |
Bankcard utilization:
| 24% | | |
| |
Homeownership:
| No | | |
Screen name:
| citigirl |
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.
Prosper Activity
Loan history | Payment history | Credit score history |
Active / total loans:
| 0 / 1 |
On-time:
| 27 ( 75% )
| 640-659 (Latest)
|
Principal borrowed:
| $4,000.00 | < 31 days late:
| 9
( 25% )
| 540-559
(Jun-2007)
|
Principal balance:
| $0.00 |
31+ days late:
| 0
( 0% )
|
Total payments billed:
| 36 | | |
Description
Clean up
Purpose of loan: Clean up debt
This loan will be used to...Clean up 2 accounts that I pay monthly but I want closed.
My financial situation: I feel I'm in ok standing, I have no car payment. so I can focus on this payment total. I want to pay these two cards off and close them and NEVER have another card again. I have a very low rent payment so that want come in the way.
I am a good candidate for this loan because... My drive is my child... It me and him, I'm a single mom by choice but it's tough. I want to clear this debt away so I can save better for him and I.
Monthly net income: $3200
Monthly expenses: $2600
Housing: $700
Insurance: $250
Car expenses: $300
Utilities: $150
Phone, cable, internet: $250
Food, entertainment: $300
Clothing, household expenses: $250
Credit cards and other loans: $400
Other expenses: $
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
504182
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:
| Sep-2006 |
Debt/Income ratio:
| 14% |
Credit score:
| 620-639 (Apr-2011) |
Inquiries last 6m:
| 3 | Employment status: | Employed |
Now delinquent:
| 0 |
Current / open credit lines:
| 6
/
4 | Length of status: | 6y 4m |
Amount delinquent:
| $0 |
Total credit lines:
| 7 |
Occupation: | Other |
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $494 | Stated income: | $50,000-$74,999 |
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 98% | | |
| |
Homeownership:
| No | | |
Screen name:
| green-asset-coup |
Borrower's state:
| Florida |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan history | Payment history | Credit score history |
Active / total loans:
| 1 / 1 |
On-time:
| 8 ( 100% )
| 620-639 (Latest)
|
Principal borrowed:
| $1,500.00 | < 31 days late:
| 0
( 0% )
| 740-759
(Jul-2010)
|
Principal balance:
| $1,264.90 |
31+ days late:
| 0
( 0% )
|
Total payments billed:
| 8 | | |
Description
Pay off high interest auto loan
Purpose of loan:
This loan will be used to pay off an existing 5 year auto loan that is currently at 30%
My financial situation: I have worked for Marriott Internation for 6 years and I am currently a Front Desk Manager at a suburban Maryland Property. I also receive a payment from the Veterans Affairs of $1218.00/month for an issue with my arm/shoulder when I got out of the military. I live at home with my parents with no plans to move out and pay no bills except my cell, car, and car insurance.
I am a good candidate for this loan because I have a good history paying my payments on prosper and have an extremely low debt:income ratio.
Monthly net income: $6000
Monthly expenses: $200
Housing: $0
Insurance: $80
Car expenses: $200
Utilities: $0
Phone, cable, internet: $55
Food, entertainment: $0
Clothing, household expenses: $0
Credit cards and other loans: $0
Other expenses: $0
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
504200
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount:
| $3,500.00 |
Prosper Rating:
| E |
Listing Duration:
| 14 days
|
Minimum Amount to Fund:
| $2,450 |
Estimated loss*:
| 14.70% | | |
Term:
| 12 months | | | | |
|
Lender yield:
| 25.69% |
Borrower rate/APR:
| 26.69% / 35.84% |
Monthly payment:
| $335.53 |
|
Lender servicing fee:
| 1.00% |
Effective Yield*:
| 24.52% | | |
| |
Estimated return*:
| 9.82% | | |
* 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):
| 4 |
First credit line:
| Oct-1996 |
Debt/Income ratio:
| Self-employed (DTI Not Calculated) |
Credit score:
| 720-739 (Apr-2011) |
Inquiries last 6m:
| 2 | Employment status: | Self-employed |
Now delinquent:
| 0 |
Current / open credit lines:
| 9
/
9 | Length of status: | 14y 3m |
Amount delinquent:
| $0 |
Total credit lines:
| 15 |
Occupation: | Other |
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $8,433 | Stated income: | $25,000-$49,999 |
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 35% | | |
| |
Homeownership:
| No | | |
Screen name:
| reinforced-wealth7 |
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
Manager
Purpose of loan:
This loan will be used to...take care of some bills
My financial situation:
I am a good candidate for this loan because...my credit score is not
bad
Monthly net income: $2,910.66
Monthly expenses: $vary but around $2,700.00
Housing: $300.00 monthly
Insurance: $2200.00 annually
Car expenses: $0
Utilities: $1000.00 annually
Phone, cable, internet: $145.00 monthly
Food, entertainment: $ 350.00 monthly
Clothing, household expenses: $200.00 monthly
Credit cards and other loans: $600.00 monthly
Other expenses: $ 0
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
504206
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:
| $5,500.00 |
Prosper Rating:
| D |
Listing Duration:
| 14 days
|
Minimum Amount to Fund:
| $3,850 |
Estimated loss*:
| 10.80% | | |
Term:
| 36 months | | | | |
|
Lender yield:
| 24.99% |
Borrower rate/APR:
| 25.99% / 29.51% |
Monthly payment:
| $221.57 |
|
Lender servicing fee:
| 1.00% |
Effective Yield*:
| 24.37% | | |
| |
Estimated return*:
| 13.57% | | |
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10):
| 6 |
First credit line:
| Nov-1992 |
Debt/Income ratio:
| 17% |
Credit score:
| 760-779 (Apr-2011) |
Inquiries last 6m:
| 0 | Employment status: | Employed |
Now delinquent:
| 2 |
Current / open credit lines:
| 4
/
4 | Length of status: | 18y 2m |
Amount delinquent:
| $565 |
Total credit lines:
| 19 |
Occupation: | Administrative Assi... |
Public records last 12m / 10y:
| 2/ 2 |
Revolving credit balance:
| $683 | Stated income: | $25,000-$49,999 |
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 18% | | |
| |
Homeownership:
| Yes | | |
Screen name:
| productive-money786 |
Borrower's state:
| Ohio |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Description
mlshep
Purpose of loan:
This loan will be used to...pay off some payday loans.and to pay off a credit card.
My financial situation:
I am a good candidate for this loan because i have a fulltime job am a hard worker need to cut the intrest on these payday loans..
Monthly net income: $4000.oo
Monthly expenses: $
Housing: $
Insurance: $
Car expenses: $
Utilities: $
Phone, cable, internet: $
Food, entertainment: $
Clothing, household expenses: $
Credit cards and other loans: $ 50.00
Other expenses: $ 2000.00 contridute to household bills monthly
Information in the Description is not verified.