Listing Report:Supplement No. 35 dated Jun 06, 2011 to Prospectus dated May 17, 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 May 17, 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 May 17, 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
492757
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
|
Amount:
| $15,000.00 |
Prosper Rating:
| B |
Listing Duration:
| 14 days
|
|
Minimum Amount to Fund:
| $15,000 |
Estimated loss*:
| 5.95% | | |
|
Term:
| 60 months | | | | |
|
|
Lender yield:
| 17.99% |
Borrower rate/APR:
| 18.99% / 20.44% |
Monthly payment:
| $389.03 |
| |
|
Lender servicing fee:
| 1.00% |
Effective Yield*:
| 17.68% | | |
| |
Estimated return*:
| 11.73% | | |
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
|
Prosper score (1-10):
| 8 |
First credit line:
| Sep-1987 |
Debt/Income ratio:
| 7% |
|
Credit score:
| 760-779 (May-2011) |
Inquiries last 6m:
| 1 | Employment status: | Employed |
|
Now delinquent:
| 0 |
Current / open credit lines:
| 3
/
1 | Length of status: | 1y 8m |
|
Amount delinquent:
| $0 |
Total credit lines:
| 27 |
Occupation: | Accountant/CPA |
|
Public records last 12m / 10y:
| 0/ 1 |
Revolving credit balance:
| $0 | Stated income: | $50,000-$74,999 |
|
Delinquencies in last 7y:
| 12 |
Bankcard utilization:
| 0% | | |
| | |
Homeownership:
| No | | |
|
Screen name:
| dollar-karate |
Borrower's state:
| NewJersey |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Description
My loan for debt consolidation
Purpose of loan:
This loan will be used to?
My financial situation:
I am a good candidate for this loan because?
Monthly net income: $ Monthly expenses: $
??Housing: $1650.00
??Insurance: $85.00
??Car expenses: $180.00
??Utilities: $350.00
??Phone, cable, internet: $85.00
??Food, entertainment: $500.00
??Clothing, household expenses $50.00
??Credit cards and other loans: $0
??Other expenses: $0
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
508561
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
|
Amount:
| $12,000.00 |
Prosper Rating:
| AA |
Listing Duration:
| 14 days
|
|
Minimum Amount to Fund:
| $8,400 |
Estimated loss*:
| 1.95% | | |
|
Term:
| 60 months | | | | |
|
|
Lender yield:
| 10.99% |
Borrower rate/APR:
| 11.99% / 12.21% |
Monthly payment:
| $266.87 |
| |
|
Lender servicing fee:
| 1.00% |
Effective Yield*:
| 10.98% | | |
| |
Estimated return*:
| 9.03% | | |
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
|
Prosper score (1-10):
| 10 |
First credit line:
| Jul-1973 |
Debt/Income ratio:
| 9% |
|
Credit score:
| 800-819 (May-2011) |
Inquiries last 6m:
| 0 | Employment status: | Other |
|
Now delinquent:
| 0 |
Current / open credit lines:
| 3
/
3 | Length of status: | 13y 10m |
|
Amount delinquent:
| $0 |
Total credit lines:
| 8 |
Occupation: | Other |
|
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $5,063 | Stated income: | $25,000-$49,999 |
|
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 10% | | |
| | |
Homeownership:
| No | | |
|
Screen name:
| authoritative-point8 |
Borrower's state:
| Indiana |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Description
moscato25
Purpose of loan:
This loan will be used to...
help my daughter.
My financial situation:
I am a good candidate for this loan because...I'm in an excellent position to pay it back.
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
509213
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
|
Amount:
| $2,500.00 |
Prosper Rating:
| HR |
Listing Duration:
| 14 days
|
|
Minimum Amount to Fund:
| $2,500 |
Estimated loss*:
| 20.30% | | |
|
Term:
| 36 months | | | | |
|
|
Lender yield:
| 30.99% |
Borrower rate/APR:
| 31.99% / 35.64% |
Monthly payment:
| $108.87 |
| |
|
Lender servicing fee:
| 1.00% |
Effective Yield*:
| 29.17% | | |
| |
Estimated return*:
| 8.87% | | |
* 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):
| 3 |
First credit line:
| Jun-1992 |
Debt/Income ratio:
| 31% |
|
Credit score:
| 640-659 (May-2011) |
Inquiries last 6m:
| 3 | Employment status: | Employed |
|
Now delinquent:
| 0 |
Current / open credit lines:
| 13
/
11 | Length of status: | 11y 3m |
|
Amount delinquent:
| $0 |
Total credit lines:
| 19 |
Occupation: | Sales - Retail |
|
Public records last 12m / 10y:
| 0/ 1 |
Revolving credit balance:
| $5,993 | Stated income: | $50,000-$74,999 |
|
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 91% | | |
| | |
Homeownership:
| Yes | | |
|
Screen name:
| orange-cerebral-bazaar |
Borrower's state:
| Missouri |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Description
wowo
Purpose of loan:
This loan will be used to...
Various reasons including debt consolidation
My financial situation:
I am a good candidate for this loan because...
I always pay my bills
Monthly net income: $3400.00
Monthly expenses:
Housing: $300.00
Insurance: $120.00
Car expenses: $364.00
Utilities: $80.00
Phone, cable, internet: $110.00
Food, entertainment: $45.00
Clothing, household expenses: $0
Credit cards and other loans: $700.00
Other expenses: $
none
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
509809
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
|
Amount:
| $7,500.00 |
Prosper Rating:
| D |
Listing Duration:
| 14 days
|
|
Minimum Amount to Fund:
| $5,250 |
Estimated loss*:
| 11.20% | | |
|
Term:
| 36 months | | | | |
|
|
Lender yield:
| 25.99% |
Borrower rate/APR:
| 26.99% / 30.53% |
Monthly payment:
| $306.15 |
| |
|
Lender servicing fee:
| 1.00% |
Effective Yield*:
| 25.34% | | |
| |
Estimated return*:
| 14.14% | | |
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
|
Prosper score (1-10):
| 6 |
First credit line:
| Jun-2006 |
Debt/Income ratio:
| 62% |
|
Credit score:
| 700-719 (Jun-2011) |
Inquiries last 6m:
| 0 | Employment status: | Employed |
|
Now delinquent:
| 0 |
Current / open credit lines:
| 7
/
7 | Length of status: | 4y 5m |
|
Amount delinquent:
| $0 |
Total credit lines:
| 14 |
Occupation: | Laborer |
|
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $3,264 | Stated income: | $1-$24,999 |
|
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 61% | | |
| | |
Homeownership:
| No | | |
|
Screen name:
| nimble-liberty0 |
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
financial situation help
Purpose of loan: to pay off credit cards and pay ahead on cable, insurance etc
I am a good candidate for this loan because...I am a VERY DEPENDABLE individual who pays my bills on time. I just need some help with a loan at least until income tax time 2012. I would like to pay off my debts with this loan and also have a little extra from the loan that I can put aside for unexpected situations. Im never late on my payments and in no way want to ruin or endanger my good credit standing. As I have found out having good credit thesde days says alot about the person.
Monthly net income: $1,065
Monthly expenses: $
Housing: $475.00
Insurance: $55.00
Car expenses: $297.00
Utilities: $25-30
Phone, cable, internet: $40.00
Food, entertainment: get a direction card of 450.00 monthly
Clothing, household expenses: $ 20.00 month
Credit cards and other loans: $160.00 month
Other expenses: 30-40 dollars gas
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
509959
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*:
| 6.10% | | |
|
Term:
| 36 months | | | | |
|
|
Lender yield:
| 17.99% |
Borrower rate/APR:
| 18.99% / 22.36% |
Monthly payment:
| $219.91 |
| |
|
Lender servicing fee:
| 1.00% |
Effective Yield*:
| 17.57% | | |
| |
Estimated return*:
| 11.47% | | |
* 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-1983 |
Debt/Income ratio:
| 27% |
|
Credit score:
| 640-659 (Jun-2011) |
Inquiries last 6m:
| 0 | Employment status: | Employed |
|
Now delinquent:
| 0 |
Current / open credit lines:
| 15
/
14 | Length of status: | 12y 4m |
|
Amount delinquent:
| $0 |
Total credit lines:
| 48 |
Occupation: | Other |
|
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $27,819 | Stated income: | $100,000+ |
|
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 93% | | |
| | |
Homeownership:
| Yes | | |
|
Screen name:
| Giantsguy |
Borrower's state:
| NewYork |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
| Loan history | Payment history | Credit score history |
|
Active / total loans:
| 0 / 1 |
On-time:
| 35 ( 100% )
| 640-659 (Latest)
|
|
Principal borrowed:
| $1,500.00 | < 31 days late:
| 0
( 0% )
| 660-679
(Jul-2009)
660-679
(Jan-2008)
|
|
Principal balance:
| $0.00 |
31+ days late:
| 0
( 0% )
|
|
Total payments billed:
| 35 | | |
Description
Help Consolidating Please!
Purpose of loan:
This loan will be used to...
Really need to eliminate some small bills accrued during a family emergency.
My financial situation:
I am a good candidate for this loan because...
My income is good. Never had a bankruptcy, charge off etc., and everything is paid. Just need to get some high interest stuff off my back and roll forward. Paid off another Prosper loan without a single late payment.
Monthly net income: $ 7336 ( my wife makes an additional $400 part time)
Monthly expenses: $ 7130
Housing: $ 840
Insurance: $ 500
Car expenses: $ 1200
Utilities: $ 310
Phone, cable, internet: $ 400
Food, entertainment: $ 1200
Clothing, household expenses: $ 500
Credit cards and other loans: $ 1880 (this is the area that'll go way down!)
Other expenses: $ 300
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
509971
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*:
| 20.30% | | |
|
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*:
| 8.87% | | |
* 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):
| 2 |
First credit line:
| Jul-1994 |
Debt/Income ratio:
| 31% |
|
Credit score:
| 640-659 (Jun-2011) |
Inquiries last 6m:
| 7 | Employment status: | Employed |
|
Now delinquent:
| 0 |
Current / open credit lines:
| 13
/
9 | Length of status: | 1y 6m |
|
Amount delinquent:
| $0 |
Total credit lines:
| 58 |
Occupation: | Other |
|
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $2,019 | Stated income: | $25,000-$49,999 |
|
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 55% | | |
| | |
Homeownership:
| Yes | | |
|
Screen name:
| diversification-plum |
Borrower's state:
| Colorado |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Description
diversification
Purpose of loan:
This loan will be used to...I am renting my house and moving to another school district to put my son in a better school. He has autism and has struggled in our area school. There is a charter school out of district that I would like to place him in. I need the money to put down a security deposit, first and last months rent as I look for a renter.
My financial situation:
I am a good candidate for this loan because...I have a good job, I consistently work 20 hours of overtime a month and pay my debts on time.
Monthly net income: $3600
Monthly expenses: $3200
Housing: $1156
Insurance: $200
Car expenses: $600
Utilities: $70
Phone, cable, internet: $200
Food, entertainment: $200
Clothing, household expenses: $50
Credit cards and other loans: $300
Other expenses: $
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
510025
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
|
Amount:
| $5,000.00 |
Prosper Rating:
| B |
Listing Duration:
| 14 days
|
|
Minimum Amount to Fund:
| $5,000 |
Estimated loss*:
| 5.95% | | |
|
Term:
| 36 months | | | | |
|
|
Lender yield:
| 14.99% |
Borrower rate/APR:
| 15.99% / 18.17% |
Monthly payment:
| $175.76 |
| |
|
Lender servicing fee:
| 1.00% |
Effective Yield*:
| 14.73% | | |
| |
Estimated return*:
| 8.78% | | |
* 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-1996 |
Debt/Income ratio:
| 7% |
|
Credit score:
| 680-699 (Jun-2011) |
Inquiries last 6m:
| 6 | Employment status: | Employed |
|
Now delinquent:
| 0 |
Current / open credit lines:
| 4
/
3 | Length of status: | 5y 9m |
|
Amount delinquent:
| $0 |
Total credit lines:
| 11 |
Occupation: | Other |
|
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $1,352 | Stated income: | $25,000-$49,999 |
|
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 33% | | |
| | |
Homeownership:
| No | | |
|
Screen name:
| loot-bonaza |
Borrower's state:
| NewJersey |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Description
Cover medical procedure
No description was provided by the borrower.
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
510029
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
|
Amount:
| $15,000.00 |
Prosper Rating:
| B |
Listing Duration:
| 14 days
|
|
Minimum Amount to Fund:
| $15,000 |
Estimated loss*:
| 5.95% | | |
|
Term:
| 60 months | | | | |
|
|
Lender yield:
| 17.99% |
Borrower rate/APR:
| 18.99% / 20.44% |
Monthly payment:
| $389.03 |
| |
|
Lender servicing fee:
| 1.00% |
Effective Yield*:
| 17.68% | | |
| |
Estimated return*:
| 11.73% | | |
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
|
Prosper score (1-10):
| 8 |
First credit line:
| Nov-2004 |
Debt/Income ratio:
| 45% |
|
Credit score:
| 700-719 (Jun-2011) |
Inquiries last 6m:
| 0 | Employment status: | Employed |
|
Now delinquent:
| 0 |
Current / open credit lines:
| 7
/
7 | Length of status: | 0y 5m |
|
Amount delinquent:
| $0 |
Total credit lines:
| 14 |
Occupation: | Administrative Assi... |
|
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $11,434 | Stated income: | $25,000-$49,999 |
|
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 45% | | |
| | |
Homeownership:
| Yes | | |
|
Screen name:
| a-moola-rapture |
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
Credit card debit payoff
Purpose of loan: I would like to payoff all my credit card debt and have one lump payment.
This loan will be used to payoff my credit cards. Yes, this loan would be used to payoff my Visa and American Express cardit cards.
My financial situation: I bank with PNC Bank.
I am a good candidate for this loan because I always pay my bills on time and I've never been late. I'm just looking to have one lump sum payment.
Monthly net income: $2,300
Monthly expenses: $2,000
Housing: $330
Insurance: $116
Car expenses: $485
Utilities: $441
Phone, cable, internet: $122
Food, entertainment: $200
Clothing, household expenses: $
Credit cards and other loans: $505 monthly
Other expenses: $
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
510061
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
|
Amount:
| $2,000.00 |
Prosper Rating:
| HR |
Listing Duration:
| 14 days
|
|
Minimum Amount to Fund:
| $2,000 |
Estimated loss*:
| 20.30% | | |
|
Term:
| 36 months | | | | |
|
|
Lender yield:
| 30.99% |
Borrower rate/APR:
| 31.99% / 35.64% |
Monthly payment:
| $87.10 |
| |
|
Lender servicing fee:
| 1.00% |
Effective Yield*:
| 29.17% | | |
| |
Estimated return*:
| 8.87% | | |
* 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):
| 3 |
First credit line:
| Feb-1996 |
Debt/Income ratio:
| Not calculated |
|
Credit score:
| 660-679 (May-2011) |
Inquiries last 6m:
| 2 | Employment status: | Employed |
|
Now delinquent:
| 0 |
Current / open credit lines:
| 22
/
16 | Length of status: | 11y 5m |
|
Amount delinquent:
| $0 |
Total credit lines:
| 35 |
Occupation: | Other |
|
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $4,826 | Stated income: | $100,000+ |
|
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 9% | | |
| | |
Homeownership:
| No | | |
|
Screen name:
| first-tolerant-money |
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
retired responsible senior ....
Purpose of loan:
my goal is just to build better credit with prosper and overall for the possibility of opening a business with my children in the future
My financial situation:
I am a good candidate for this loan because...my credit score is 730 i never used much credit my home is free and clear i just paid all credit cards to 0 i have never ...EVER been late i just figured i would build better credit for the future possibly to start a business with my children im a retired responsible senior with over 100k of fixed steady income that wont change
Monthly net income: $9000
Monthly expenses: $2300
Housing: $200 maintaince fee
Insurance: $400
Car expenses: $600
Utilities: $100
Phone, cable, internet: 50 phone cell and home cable and internet inc. in maintaince fee
Food, entertainment: $400
Clothing, household expenses: $200
Credit cards and other loans: jared and jc penny 250 all credit cards just paid to 0
Other expenses: $100
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
510067
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:
| E |
Listing Duration:
| 14 days
|
|
Minimum Amount to Fund:
| $3,850 |
Estimated loss*:
| 14.70% | | |
|
Term:
| 36 months | | | | |
|
|
Lender yield:
| 30.99% |
Borrower rate/APR:
| 31.99% / 35.64% |
Monthly payment:
| $239.52 |
| |
|
Lender servicing fee:
| 1.00% |
Effective Yield*:
| 29.57% | | |
| |
Estimated return*:
| 14.87% | | |
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
|
Prosper score (1-10):
| 5 |
First credit line:
| Aug-2005 |
Debt/Income ratio:
| 58% |
|
Credit score:
| 680-699 (Jun-2011) |
Inquiries last 6m:
| 1 | Employment status: | Other |
|
Now delinquent:
| 0 |
Current / open credit lines:
| 6
/
6 | Length of status: | 7y 6m |
|
Amount delinquent:
| $0 |
Total credit lines:
| 8 | Stated income: | $1-$24,999 |
|
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $2,477 | |
|
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 28% | | |
| | |
Homeownership:
| No | | |
|
Screen name:
| dime-chief |
Borrower's state:
| Utah |
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
mrs
Purpose of loan:
This loan will be used to...other
My financial situation:
I am a good candidate for this loan because...
Monthly net income: $
Monthly expenses: $
Housing: $
Insurance: $
Car expenses: $
Utilities: $
Phone, cable, internet: $
Food, entertainment: $
Clothing, household expenses: $
Credit cards and other loans: $
Other expenses: $
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
510071
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*:
| 11.20% | | |
|
Term:
| 60 months | | | | |
|
|
Lender yield:
| 29.49% |
Borrower rate/APR:
| 30.49% / 32.96% |
Monthly payment:
| $489.83 |
| |
|
Lender servicing fee:
| 1.00% |
Effective Yield*:
| 28.75% | | |
| |
Estimated return*:
| 17.55% | | |
* 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-1996 |
Debt/Income ratio:
| 29% |
|
Credit score:
| 740-759 (Jun-2011) |
Inquiries last 6m:
| 1 | Employment status: | Employed |
|
Now delinquent:
| 0 |
Current / open credit lines:
| 13
/
11 | Length of status: | 28y 1m |
|
Amount delinquent:
| $0 |
Total credit lines:
| 37 |
Occupation: | Postal Service |
|
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $23,311 | Stated income: | $75,000-$99,999 |
|
Delinquencies in last 7y:
| 10 |
Bankcard utilization:
| 63% | | |
| | |
Homeownership:
| Yes | | |
|
Screen name:
| power-sage8 |
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
credit card consolidation
No description was provided by the borrower.
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
510111
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
|
Amount:
| $15,000.00 |
Prosper Rating:
| B |
Listing Duration:
| 14 days
|
|
Minimum Amount to Fund:
| $10,500 |
Estimated loss*:
| 5.95% | | |
|
Term:
| 60 months | | | | |
|
|
Lender yield:
| 17.99% |
Borrower rate/APR:
| 18.99% / 20.44% |
Monthly payment:
| $389.03 |
| |
|
Lender servicing fee:
| 1.00% |
Effective Yield*:
| 17.68% | | |
| |
Estimated return*:
| 11.73% | | |
* 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-1996 |
Debt/Income ratio:
| 12% |
|
Credit score:
| 700-719 (May-2011) |
Inquiries last 6m:
| 0 | Employment status: | Employed |
|
Now delinquent:
| 0 |
Current / open credit lines:
| 4
/
3 | Length of status: | 1y 1m |
|
Amount delinquent:
| $0 |
Total credit lines:
| 13 |
Occupation: | Professional |
|
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $5,374 | Stated income: | $75,000-$99,999 |
|
Delinquencies in last 7y:
| 3 |
Bankcard utilization:
| 82% | | |
| | |
Homeownership:
| Yes | | |
|
Screen name:
| green-ore-shakespeare |
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
My Chance to help myself and others
Purpose of loan:
This loan will be used to consolidate debts and get rid of credit cards.
My financial situation:
I am a good candidate for this loan because I am a very responsible person who always pays her bills. I had a 750 credit score until an unforseen error that cost me everything. I plan to get back up there and maybe even beyond that. I rented out my house and moved in with my sister so that I could not only help her by paying her rent, but also help myself save some money. When I am debt free, I plan to help others do the same. Thank you for helping me.
Monthly net income: $6500
Monthly expenses: $700
Housing: $2500
Insurance: $150
Car expenses: $200
Utilities: $0
Phone, cable, internet: $150
Food, entertainment: $400
Clothing, household expenses: $200
Credit cards and other loans: $500
Other expenses: $300
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
510141
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
|
Amount:
| $7,000.00 |
Prosper Rating:
| AA |
Listing Duration:
| 14 days
|
|
Minimum Amount to Fund:
| $4,900 |
Estimated loss*:
| 1.95% | | |
|
Term:
| 36 months | | | | |
|
|
Lender yield:
| 7.99% |
Borrower rate/APR:
| 8.99% / 9.33% |
Monthly payment:
| $222.57 |
| |
|
Lender servicing fee:
| 1.00% |
Effective Yield*:
| 7.99% | | |
| |
Estimated return*:
| 6.04% | | |
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
|
Prosper score (1-10):
| 10 |
First credit line:
| Jun-2000 |
Debt/Income ratio:
| 15% |
|
Credit score:
| 800-819 (Jun-2011) |
Inquiries last 6m:
| 0 | Employment status: | Employed |
|
Now delinquent:
| 0 |
Current / open credit lines:
| 10
/
9 | Length of status: | 3y 10m |
|
Amount delinquent:
| $0 |
Total credit lines:
| 13 |
Occupation: | Professional |
|
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $9,080 | Stated income: | $50,000-$74,999 |
|
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 22% | | |
| | |
Homeownership:
| Yes | | |
|
Screen name:
| truth-cadence |
Borrower's state:
| California |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Description
Help me improve my house to My Home
Purpose of loan:
I purchased my home in january of 2011 and have waited to settle in with the mortage payment before making any improvements. I would like to repaint, and update the kitchen (new tile and countertops).
My financial situation: I am a good candidate for this loan because...My salary allows a safe cushion between my monthly expenses and unexpected events. I have a car note of 398.00 a month which will be paid in August, freeing plenty of income for this loan repayment. I also have a renter in my home paying 600.00 per month. I did not include this income in my income statement as I have not yet filed a tax return which includes it. It will be included in my 2011 tax filing. The only blemish on my credit report is a disputed freight shipping charge from 2005 ( a closed side business) which I paid off in August of 2010 to complete the home loan process. The debt was less than 400.00 in collection.
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
510189
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
|
Amount:
| $15,000.00 |
Prosper Rating:
| D |
Listing Duration:
| 14 days
|
|
Minimum Amount to Fund:
| $10,500 |
Estimated loss*:
| 10.00% | | |
|
Term:
| 60 months | | | | |
|
|
Lender yield:
| 25.99% |
Borrower rate/APR:
| 26.99% / 29.37% |
Monthly payment:
| $457.94 |
| |
|
Lender servicing fee:
| 1.00% |
Effective Yield*:
| 25.34% | | |
| |
Estimated return*:
| 15.34% | | |
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
|
Prosper score (1-10):
| 4 |
First credit line:
| May-1990 |
Debt/Income ratio:
| 42% |
|
Credit score:
| 740-759 (Jun-2011) |
Inquiries last 6m:
| 0 | Employment status: | Employed |
|
Now delinquent:
| 0 |
Current / open credit lines:
| 12
/
6 | Length of status: | 10y 9m |
|
Amount delinquent:
| $0 |
Total credit lines:
| 48 |
Occupation: | Engineer - Electric... |
|
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $0 | Stated income: | $100,000+ |
|
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 0% | | |
| | |
Homeownership:
| Yes | | |
|
Screen name:
| Forever-Grateful |
Borrower's state:
| California |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
| Loan history | Payment history | Credit score history |
|
Active / total loans:
| 1 / 1 |
On-time:
| 18 ( 100% )
| 740-759 (Latest)
|
|
Principal borrowed:
| $5,000.00 | < 31 days late:
| 0
( 0% )
| 700-719
(Nov-2009)
|
|
Principal balance:
| $2,740.92 |
31+ days late:
| 0
( 0% )
|
|
Total payments billed:
| 18 | | |
Description
Guaranteed Return, 2nd Prosper Loan
Hello Prosper Lenders,
If you financed my first loan, thank you. If you?re considering bidding my second loan, thank you. My wife and I recently celebrated our four year anniversary and we have been struggling to start a family for the past couple years. Our best chance of success is IVF, but we need help with financing. Total procedure cost including medical, legal and donor is $25,000. We have $10,000 and need to finance $15,000. Rather than taking out a bank loan or apply for a credit card, I prefer to pay the interests to Prosper lenders.
I?m employed full-time, stable job for 17 years, and my wife is an employed registered nurse. I have never filed for bankruptcy, never past due and not a single negative mark on my credit report. Please email if you have any questions about my financial situation.
Thank you for bidding and I will return the favor one day as a Prosper lender to help others.
Best Regards,
Forever-Grateful
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
510195
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:
| A |
Listing Duration:
| 14 days
|
|
Minimum Amount to Fund:
| $12,500 |
Estimated loss*:
| 3.80% | | |
|
Term:
| 36 months | | | | |
|
|
Lender yield:
| 10.40% |
Borrower rate/APR:
| 11.40% / 13.52% |
Monthly payment:
| $411.61 |
| |
|
Lender servicing fee:
| 1.00% |
Effective Yield*:
| 10.37% | | |
| |
Estimated return*:
| 6.57% | | |
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
|
Prosper score (1-10):
| 7 |
First credit line:
| Mar-2002 |
Debt/Income ratio:
| 47% |
|
Credit score:
| 780-799 (May-2011) |
Inquiries last 6m:
| 0 | Employment status: | Employed |
|
Now delinquent:
| 0 |
Current / open credit lines:
| 8
/
8 | Length of status: | 7y 8m |
|
Amount delinquent:
| $0 |
Total credit lines:
| 18 |
Occupation: | Analyst |
|
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $15,345 | Stated income: | $25,000-$49,999 |
|
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 48% | | |
| | |
Homeownership:
| Yes | | |
|
Screen name:
| respectful-repayment658 |
Borrower's state:
| Nebraska |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Description
Credit Card Consolidation
Purpose of loan:
This loan will be used to consolidate my credit card debt.
My financial situation:
I am a good candidate for this loan because I have never defaulted on a loan or credit card. I built up my credit card debit when I was younger and have changed my spending habits. I very rarely use my credit cards so I will not be adding additional balances, and therefore additional bills, to my credit cards. I am looking to completely get rid of my credit card debt in the next few years. I have been at my job for over 7 years and do not plan on changing jobs any time in the near future.
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
510293
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:
| $10,500.00 |
Prosper Rating:
| B |
Listing Duration:
| 14 days
|
|
Minimum Amount to Fund:
| $7,350 |
Estimated loss*:
| 5.95% | | |
|
Term:
| 36 months | | | | |
|
|
Lender yield:
| 14.99% |
Borrower rate/APR:
| 15.99% / 18.17% |
Monthly payment:
| $369.10 |
| |
|
Lender servicing fee:
| 1.00% |
Effective Yield*:
| 14.73% | | |
| |
Estimated return*:
| 8.78% | | |
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
|
Prosper score (1-10):
| 8 |
First credit line:
| Nov-1995 |
Debt/Income ratio:
| 18% |
|
Credit score:
| 640-659 (Jun-2011) |
Inquiries last 6m:
| 0 | Employment status: | Employed |
|
Now delinquent:
| 1 |
Current / open credit lines:
| 13
/
12 | Length of status: | 4y 7m |
|
Amount delinquent:
| $590 |
Total credit lines:
| 39 |
Occupation: | Analyst |
|
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $6,598 | Stated income: | $25,000-$49,999 |
|
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 70% | | |
| | |
Homeownership:
| No | | |
|
Screen name:
| profitable-exchange9 |
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
Dept Consolidation
Purpose of loan: Dept Consolidation
This loan will be used to...Paying credit card bills
My financial situation:
I am a good candidate for this loan because...
Monthly net income: $2180.00
Monthly expenses: $1597.00
Housing: $500.00
Insurance: $112.00
Car expenses: $150.00 gas
Utilities: $0
Phone, cable, internet: $50.00 cell phone
Food, entertainment: $200.00
Clothing, household expenses: $150.00
Credit cards and other loans: $335.00
Other expenses: $100.00
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
510305
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*:
| 20.30% | | |
|
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*:
| 8.87% | | |
* 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):
| 2 |
First credit line:
| Sep-1992 |
Debt/Income ratio:
| 41% |
|
Credit score:
| 640-659 (Jun-2011) |
Inquiries last 6m:
| 0 | Employment status: | Employed |
|
Now delinquent:
| 3 |
Current / open credit lines:
| 9
/
9 | Length of status: | 23y 3m |
|
Amount delinquent:
| $856 |
Total credit lines:
| 25 |
Occupation: | Other |
|
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $30,384 | Stated income: | $50,000-$74,999 |
|
Delinquencies in last 7y:
| 8 |
Bankcard utilization:
| 85% | | |
| | |
Homeownership:
| Yes | | |
|
Screen name:
| sceptre89 |
Borrower's state:
| NewJersey |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Description
Loan
Purpose of loan: Wedding Expense for family member
This loan will be used to... pay balanace owed on catering hall
My financial situation: Is very good. I am dependible and always make sure I pay my debt on time.
I am a good candidate for this loan because I will always pay my debt.
Monthly net income: $2000
Monthly expenses: $ 500
Housing: $ 400
Insurance: $ 85.00
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
510311
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*:
| 20.30% | | |
|
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*:
| 8.87% | | |
* 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):
| 1 |
First credit line:
| Jun-1997 |
Debt/Income ratio:
| 15% |
|
Credit score:
| 720-739 (May-2011) |
Inquiries last 6m:
| 4 | Employment status: | Employed |
|
Now delinquent:
| 3 |
Current / open credit lines:
| 2
/
2 | Length of status: | 11y 1m |
|
Amount delinquent:
| $9,602 |
Total credit lines:
| 8 |
Occupation: | Other |
|
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $0 | Stated income: | $1-$24,999 |
|
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 0% | | |
| | |
Homeownership:
| No | | |
|
Screen name:
| orange-p2p-friendship |
Borrower's state:
| Michigan |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Description
Debt Consolidation
Purpose of loan:
This loan will be used to...
To consolidate debts I have a Medical bills that have gone into collections, and it has really hurt my credit. I have been in dispute with my insurance company for over a year. I have talked to the collection agency and they have agreed to take a one time payment of $3800. If I make payments to the collection agency they want me to pay $5200.
My financial situation: Is good this loan would get my credit back in order.
I am a good candidate for this loan because...
My monthly expenses are low. And will have no problem making the monthly payment.
Monthly net income: $2200
Monthly expenses: $890
Housing: $0
Insurance: $150
Car expenses: $315
Utilities: $120
Phone, cable, internet: $80
Food, entertainment: $150
Clothing, household expenses: $100
Credit cards and other loans: $0
Other expenses: $75
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
510323
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
|
Amount:
| $15,000.00 |
Prosper Rating:
| D |
Listing Duration:
| 14 days
|
|
Minimum Amount to Fund:
| $10,500 |
Estimated loss*:
| 10.00% | | |
|
Term:
| 60 months | | | | |
|
|
Lender yield:
| 25.99% |
Borrower rate/APR:
| 26.99% / 29.37% |
Monthly payment:
| $457.94 |
| |
|
Lender servicing fee:
| 1.00% |
Effective Yield*:
| 25.34% | | |
| |
Estimated return*:
| 15.34% | | |
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
|
Prosper score (1-10):
| 4 |
First credit line:
| Mar-1994 |
Debt/Income ratio:
| 24% |
|
Credit score:
| 620-639 (Jun-2011) |
Inquiries last 6m:
| 1 | Employment status: | Employed |
|
Now delinquent:
| 0 |
Current / open credit lines:
| 12
/
11 | Length of status: | 11y 5m |
|
Amount delinquent:
| $0 |
Total credit lines:
| 35 |
Occupation: | Analyst |
|
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $12,921 | Stated income: | $75,000-$99,999 |
|
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 84% | | |
| | |
Homeownership:
| No | | |
|
Screen name:
| kendale10 |
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:
| 11 ( 85% )
| 620-639 (Latest)
|
|
Principal borrowed:
| $4,000.00 | < 31 days late:
| 2
( 15% )
| 700-719
(Apr-2010)
|
|
Principal balance:
| $2,711.64 |
31+ days late:
| 0
( 0% )
|
|
Total payments billed:
| 13 | | |
Description
Guaranteed return for you!
Purpose of loan:
This loan will be used to consolidate a current prosper loan and a lending club loan into one loan. Thus lowering my monthly payments. I'm also interested in buying an engagement ring for my girlfriend. I will be relocatin to Germany soon and would like to propose prior to leaving. Finally this loan will allow you investors a sure way of earning interest on the money loaned to me.
My financial situation:
I am a good candidate for this loan because I have never missed a payment or defaulted on my loan with prosper. I also have a secure job with the Department of Defense which means I have no worries of being unemployed.
Monthly net income: $ 5600
Monthly expenses: $ 900
Housing: $ 708
Insurance: $ 100
Car expenses: $ 600
Utilities: $ 70
Phone, cable, internet: $ 120
Food, entertainment: $ 200
Clothing, household expenses: $ 100
Credit cards and other loans: $ 750
Other expenses: $
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
510359
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
|
Amount:
| $3,000.00 |
Prosper Rating:
| D |
Listing Duration:
| 14 days
|
|
Minimum Amount to Fund:
| $2,100 |
Estimated loss*:
| 11.20% | | |
|
Term:
| 36 months | | | | |
|
|
Lender yield:
| 25.99% |
Borrower rate/APR:
| 26.99% / 30.53% |
Monthly payment:
| $122.46 |
| |
|
Lender servicing fee:
| 1.00% |
Effective Yield*:
| 25.34% | | |
| |
Estimated return*:
| 14.14% | | |
* 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-1991 |
Debt/Income ratio:
| 27% |
|
Credit score:
| 700-719 (Jun-2011) |
Inquiries last 6m:
| 1 | Employment status: | Employed |
|
Now delinquent:
| 1 |
Current / open credit lines:
| 25
/
23 | Length of status: | 3y 2m |
|
Amount delinquent:
| $20 |
Total credit lines:
| 46 |
Occupation: | Other |
|
Public records last 12m / 10y:
| 0/ 1 |
Revolving credit balance:
| $25,229 | Stated income: | $50,000-$74,999 |
|
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 62% | | |
| | |
Homeownership:
| No | | |
|
Screen name:
| new-peaceful-compassion |
Borrower's state:
| WestVirginia |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Description
home improvement
Purpose of loan:
This loan will be used to...
My financial situation:
I am a good candidate for this loan because...
Monthly net income: $4300.00
Monthly expenses: $2000
Housing: $425
Insurance: $100
Car expenses: $100
Utilities: $200
Phone, cable, internet: $200
Food, entertainment: $100
Clothing, household expenses: $50
Credit cards and other loans: $700
Other expenses: $
Misc 125
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
509370
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*:
| 11.20% | | |
|
Term:
| 60 months | | | | |
|
|
Lender yield:
| 29.49% |
Borrower rate/APR:
| 30.49% / 32.96% |
Monthly payment:
| $261.24 |
| |
|
Lender servicing fee:
| 1.00% |
Effective Yield*:
| 28.75% | | |
| |
Estimated return*:
| 17.55% | | |
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
|
Prosper score (1-10):
| 5 |
First credit line:
| Aug-1998 |
Debt/Income ratio:
| 21% |
|
Credit score:
| 720-739 (Jun-2011) |
Inquiries last 6m:
| 0 | Employment status: | Employed |
|
Now delinquent:
| 0 |
Current / open credit lines:
| 7
/
5 | Length of status: | 3y 9m |
|
Amount delinquent:
| $0 |
Total credit lines:
| 18 |
Occupation: | Police Officer/Corr... |
|
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $15,832 | Stated income: | $50,000-$74,999 |
|
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 96% | | |
| | |
Homeownership:
| Yes | | |
|
Screen name:
| elated-fund9 |
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
My loan for home improvement
Purpose of loan:
This loan will be used to make repairs to home to help increase value.
My financial situation:
I am a good candidate for this loan because
Monthly net income: $
Monthly expenses: $
Housing: $
Insurance: $
Car expenses: $
Utilities: $
Phone, cable, internet: $
Food, entertainment: $
Clothing, household expenses: $
Credit cards and other loans: $
Other expenses: $
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
509950
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*:
| 20.30% | | |
|
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*:
| 8.87% | | |
* 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):
| 3 |
First credit line:
| Sep-1993 |
Debt/Income ratio:
| 418% |
|
Credit score:
| 660-679 (Jun-2011) |
Inquiries last 6m:
| 0 | Employment status: | Employed |
|
Now delinquent:
| 1 |
Current / open credit lines:
| 4
/
3 | Length of status: | 11y 10m |
|
Amount delinquent:
| $146 |
Total credit lines:
| 25 |
Occupation: | Other |
|
Public records last 12m / 10y:
| 0/ 1 |
Revolving credit balance:
| $468 | Stated income: | $1-$24,999 |
|
Delinquencies in last 7y:
| 3 |
Bankcard utilization:
| 93% | | |
| | |
Homeownership:
| No | | |
|
Screen name:
| red-capital-embrace |
Borrower's state:
| Indiana |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Description
Credit card and other loans
No description was provided by the borrower.
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
509956
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
|
Amount:
| $7,500.00 |
Prosper Rating:
| E |
Listing Duration:
| 14 days
|
|
Minimum Amount to Fund:
| $5,250 |
Estimated loss*:
| 13.00% | | |
|
Term:
| 36 months | | | | |
|
|
Lender yield:
| 29.99% |
Borrower rate/APR:
| 30.99% / 34.62% |
Monthly payment:
| $322.47 |
| |
|
Lender servicing fee:
| 1.00% |
Effective Yield*:
| 28.61% | | |
| |
Estimated return*:
| 15.61% | | |
* 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):
| 2 |
First credit line:
| May-1969 |
Debt/Income ratio:
| Self-employed (DTI Not Calculated) |
|
Credit score:
| 720-739 (Jun-2011) |
Inquiries last 6m:
| 1 | Employment status: | Self-employed |
|
Now delinquent:
| 0 |
Current / open credit lines:
| 14
/
14 | Length of status: | 35y 11m |
|
Amount delinquent:
| $0 |
Total credit lines:
| 21 |
Occupation: | Attorney |
|
Public records last 12m / 10y:
| 0/ 1 |
Revolving credit balance:
| $122,958 | Stated income: | $100,000+ |
|
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 91% | | |
| | |
Homeownership:
| Yes | | |
|
Screen name:
| BobSpellman |
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:
| 0 / 1 |
On-time:
| 35 ( 100% )
| 720-739 (Latest)
|
|
Principal borrowed:
| $15,000.00 | < 31 days late:
| 0
( 0% )
| 700-719
(Mar-2010)
680-699
(Jan-2010)
680-699
(Dec-2007)
|
|
Principal balance:
| $0.00 |
31+ days late:
| 0
( 0% )
|
|
Total payments billed:
| 35 | | |
Description
Business Expansion Loan
Purpose of loan:
This loan will be used to...Expand my existing Business
My financial situation:
I am a good candidate for this loan because...I am a practicing attorney for the past 37 years and will use this to purchase equipment at a much lower rate than leasing the equipment.
Monthly net income: $ 11,800.00
Housing: $ 750.00
Insurance: $ 60.00
Car expenses: $ 506.00
Utilities: $ 200.00
Phone, cable, internet: $ 125.00
Food, entertainment: $ 350.00
Clothing, household expenses: $150.00
Credit cards and other loans: $ 900.00
Other expenses: $ 125.00
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
509968
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*:
| 20.30% | | |
|
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*:
| 8.87% | | |
* 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):
| 1 |
First credit line:
| Jan-1982 |
Debt/Income ratio:
| 18% |
|
Credit score:
| 660-679 (Jun-2011) |
Inquiries last 6m:
| 7 | Employment status: | Employed |
|
Now delinquent:
| 0 |
Current / open credit lines:
| 8
/
7 | Length of status: | 21y 7m |
|
Amount delinquent:
| $0 |
Total credit lines:
| 32 |
Occupation: | Other |
|
Public records last 12m / 10y:
| 0/ 1 |
Revolving credit balance:
| $3,718 | Stated income: | $25,000-$49,999 |
|
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 96% | | |
| | |
Homeownership:
| Yes | | |
|
Screen name:
| dale03 |
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
loan
Purpose of loan:
This loan will be used to...
My financial situation:
I am a good candidate for this loan because...
Monthly net income: $3,000
Monthly expenses: $800.00
Housing: $
Insurance: $
Car expenses: $500.00
Utilities: $100.00
Phone, cable, internet: $0.00
Food, entertainment: $50.00
Clothing, household expenses: $50.00
Credit cards and other loans: $100.00
Other expenses: $
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
510004
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*:
| 20.30% | | |
|
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*:
| 8.87% | | |
* 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):
| 2 |
First credit line:
| May-1998 |
Debt/Income ratio:
| 14% |
|
Credit score:
| 700-719 (Jun-2011) |
Inquiries last 6m:
| 7 | Employment status: | Employed |
|
Now delinquent:
| 2 |
Current / open credit lines:
| 21
/
19 | Length of status: | 5y 10m |
|
Amount delinquent:
| $330 |
Total credit lines:
| 37 |
Occupation: | Sales - Retail |
|
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $3,137 | Stated income: | $100,000+ |
|
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 26% | | |
| | |
Homeownership:
| Yes | | |
|
Screen name:
| deal-blossom6 |
Borrower's state:
| Texas |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Description
ksavana1
Purpose of loan:
This loan will be used to...home repair
My financial situation:
I am a good candidate for this loan because...make good income good job time and stability. puts paying bills on the top of my list
Monthly net income: $8200.00
Monthly expenses: $
Housing: $ 1450.00
Insurance: $100.00
Car expenses: $550.00
Utilities: $200.00
Phone, cable, internet: $175.00
Food, entertainment: $400.00
Clothing, household expenses: $
Credit cards and other loans: $800.00
Other expenses: $
800.00
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
510010
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*:
| 11.20% | | |
|
Term:
| 36 months | | | | |
|
|
Lender yield:
| 25.99% |
Borrower rate/APR:
| 26.99% / 30.53% |
Monthly payment:
| $204.10 |
| |
|
Lender servicing fee:
| 1.00% |
Effective Yield*:
| 25.34% | | |
| |
Estimated return*:
| 14.14% | | |
* 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-1973 |
Debt/Income ratio:
| 25% |
|
Credit score:
| 680-699 (Jun-2011) |
Inquiries last 6m:
| 0 | Employment status: | Employed |
|
Now delinquent:
| 0 |
Current / open credit lines:
| 18
/
14 | Length of status: | 1y 10m |
|
Amount delinquent:
| $0 |
Total credit lines:
| 42 |
Occupation: | Administrative Assi... |
|
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $24,063 | Stated income: | $50,000-$74,999 |
|
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 81% | | |
| | |
Homeownership:
| Yes | | |
|
Screen name:
| unbeatable-cash9 |
Borrower's state:
| Washington |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Description
Looking for Loan
Purpose of loan:
This loan will be used to pay for daughter's wedding which was moved from next year to two months from now due to their moving out of state.
My financial situation:
I have never defaulted on any payments and when advised to file bankruptcy due to ex-husband's medical expenses, I took those bills with me at divorce and paid them. I have solid employment and absolutely no chance of losing my job.
Monthly net income: $4,000.00
Monthly expenses: $ 2850 (see itemized below)
Housing: $ 2,000. (husband and I pay into a joint account to cover household expenses)
Insurance: $ included in joint account payment
Car expenses: $ included in joint account payment
Utilities: $ included in joint account payment
Phone, cable, internet: $ included in joint account payment
Food, entertainment: $ included in joint account payment
Clothing, household expenses: $ 50.00
Credit cards and other loans: $ 600.00
Other expenses: $ 200.00
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
510028
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
|
Amount:
| $2,000.00 |
Prosper Rating:
| E |
Listing Duration:
| 14 days
|
|
Minimum Amount to Fund:
| $2,000 |
Estimated loss*:
| 13.00% | | |
|
Term:
| 36 months | | | | |
|
|
Lender yield:
| 29.99% |
Borrower rate/APR:
| 30.99% / 34.62% |
Monthly payment:
| $85.99 |
| |
|
Lender servicing fee:
| 1.00% |
Effective Yield*:
| 28.61% | | |
| |
Estimated return*:
| 15.61% | | |
* 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):
| 1 |
First credit line:
| Jul-2002 |
Debt/Income ratio:
| 21% |
|
Credit score:
| 620-639 (Jun-2011) |
Inquiries last 6m:
| 2 | Employment status: | Employed |
|
Now delinquent:
| 2 |
Current / open credit lines:
| 6
/
5 | Length of status: | 4y 9m |
|
Amount delinquent:
| $1,155 |
Total credit lines:
| 22 |
Occupation: | Administrative Assi... |
|
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $10,497 | Stated income: | $25,000-$49,999 |
|
Delinquencies in last 7y:
| 21 |
Bankcard utilization:
| 84% | | |
| | |
Homeownership:
| No | | |
|
Screen name:
| wow1 |
Borrower's state:
| California |
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:
| 3 ( 27% )
| 620-639 (Latest)
|
|
Principal borrowed:
| $3,000.00 | < 31 days late:
| 7
( 64% )
| 520-539
(Dec-2007)
520-539
(Nov-2007)
480-499
(Aug-2006)
480-499
(Jun-2006)
|
|
Principal balance:
| $0.02 |
31+ days late:
| 1
( 9% )
|
|
Total payments billed:
| 11 | | |
Description
Car Repairs Needed
Purpose of loan:
This loan will be used to...complete some car repairs including new tires.
My financial situation:
I am a good candidate for this loan because...I am fully capable of making a monthly payment and have a steady job.
Monthly net income: $ 2580.00
Monthly expenses: $ 2076.00
Housing: $ 0
Insurance: $ 205.00
Car expenses: $ 400.00 (gasoline, no car payment)
Utilities: $ 230.00
Phone, cable, internet: $ 246.00
Food, entertainment: $ 500.00
Clothing, household expenses: $ 100.00
Credit cards and other loans: $ 75.00
Other expenses: $ 320.00 (Temp. exp.-summer camp)
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
510040
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
|
Amount:
| $2,000.00 |
Prosper Rating:
| D |
Listing Duration:
| 14 days
|
|
Minimum Amount to Fund:
| $2,000 |
Estimated loss*:
| 10.00% | | |
|
Term:
| 36 months | | | | |
|
|
Lender yield:
| 22.99% |
Borrower rate/APR:
| 23.99% / 27.47% |
Monthly payment:
| $78.46 |
| |
|
Lender servicing fee:
| 1.00% |
Effective Yield*:
| 22.43% | | |
| |
Estimated return*:
| 12.43% | | |
* 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-2001 |
Debt/Income ratio:
| 22% |
|
Credit score:
| 640-659 (Jun-2011) |
Inquiries last 6m:
| 3 | Employment status: | Employed |
|
Now delinquent:
| 0 |
Current / open credit lines:
| 7
/
6 | Length of status: | 3y 6m |
|
Amount delinquent:
| $0 |
Total credit lines:
| 20 |
Occupation: | Medical Technician |
|
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $958 | Stated income: | $25,000-$49,999 |
|
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 44% | | |
| | |
Homeownership:
| No | | |
|
Screen name:
| reverent-benjamins3 |
Borrower's state:
| Minnesota |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
| Loan history | Payment history | Credit score history |
|
Active / total loans:
| 0 / 1 |
On-time:
| 1 ( 100% )
| 640-659 (Latest)
|
|
Principal borrowed:
| $5,000.00 | < 31 days late:
| 0
( 0% )
| 640-659
(Mar-2011)
|
|
Principal balance:
| $0.00 |
31+ days late:
| 0
( 0% )
|
|
Total payments billed:
| 1 | | |
Description
Volkswagen Repairs,2005
Purpose of loan: Volkswagen Repair and Credit Card payoff
This loan will be used to...
My financial situation: Good standing solid income
I am a good candidate for this loan because...I have in the last 4years paid my current bills on-time. and held a Good solid job, for the last 4years.
Monthly net income: $2,458.00
Monthly expenses: $
Housing: $720.00
Insurance: $120.00
Car expenses: $100.00
Utilities: $50.00
Phone, cable, internet: $175.00
Food, entertainment: $300.00
Clothing, household expenses: $120.00
Credit cards and other loans: $150.00
Other expenses: $
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
510052
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*:
| 13.00% | | |
|
Term:
| 36 months | | | | |
|
|
Lender yield:
| 29.99% |
Borrower rate/APR:
| 30.99% / 34.62% |
Monthly payment:
| $300.97 |
| |
|
Lender servicing fee:
| 1.00% |
Effective Yield*:
| 28.61% | | |
| |
Estimated return*:
| 15.61% | | |
* 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):
| 3 |
First credit line:
| Oct-1995 |
Debt/Income ratio:
| 57% |
|
Credit score:
| 680-699 (Jun-2011) |
Inquiries last 6m:
| 0 | Employment status: | Employed |
|
Now delinquent:
| 0 |
Current / open credit lines:
| 9
/
8 | Length of status: | 4y 0m |
|
Amount delinquent:
| $0 |
Total credit lines:
| 23 |
Occupation: | Professional |
|
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $9,423 | Stated income: | $25,000-$49,999 |
|
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 100% | | |
| | |
Homeownership:
| No | | |
|
Screen name:
| agreement-geyser |
Borrower's state:
| Minnesota |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
| Loan history | Payment history | Credit score history |
|
Active / total loans:
| 1 / 1 |
On-time:
| 8 ( 89% )
| 680-699 (Latest)
|
|
Principal borrowed:
| $6,000.00 | < 31 days late:
| 1
( 11% )
| 700-719
(Aug-2010)
|
|
Principal balance:
| $4,955.06 |
31+ days late:
| 0
( 0% )
|
|
Total payments billed:
| 9 | | |
Description
Home Improvement
Purpose of loan:
This loan will be used to... make home repairs (overhead garage door & flooring).
My financial situation:
I am a good candidate for this loan because...I have a steady income and make timely payments.
Monthly net income: $3,987
Monthly expenses: $
Housing: $600
Insurance: $105
Car expenses: $360
Utilities: $60
Phone, cable, internet: $140
Food, entertainment: $300
Clothing, household expenses: $100
Credit cards and other loans: $400
Other expenses: $
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
510058
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
|
Amount:
| $7,500.00 |
Prosper Rating:
| E |
Listing Duration:
| 14 days
|
|
Minimum Amount to Fund:
| $5,250 |
Estimated loss*:
| 13.00% | | |
|
Term:
| 36 months | | | | |
|
|
Lender yield:
| 29.99% |
Borrower rate/APR:
| 30.99% / 34.62% |
Monthly payment:
| $322.47 |
| |
|
Lender servicing fee:
| 1.00% |
Effective Yield*:
| 28.61% | | |
| |
Estimated return*:
| 15.61% | | |
* 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):
| 1 |
First credit line:
| Aug-2000 |
Debt/Income ratio:
| 54% |
|
Credit score:
| 600-619 (May-2011) |
Inquiries last 6m:
| 9 | Employment status: | Employed |
|
Now delinquent:
| 0 |
Current / open credit lines:
| 6
/
6 | Length of status: | 3y 10m |
|
Amount delinquent:
| $0 |
Total credit lines:
| 18 |
Occupation: | Postal Service |
|
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $1,961 | Stated income: | $1-$24,999 |
|
Delinquencies in last 7y:
| 9 |
Bankcard utilization:
| 33% | | |
| | |
Homeownership:
| No | | |
|
Screen name:
| Jarock5 |
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:
| 33 ( 100% )
| 600-619 (Latest)
|
|
Principal borrowed:
| $1,000.00 | < 31 days late:
| 0
( 0% )
| 540-559
(Apr-2008)
520-539
(Mar-2008)
|
|
Principal balance:
| $0.00 |
31+ days late:
| 0
( 0% )
|
|
Total payments billed:
| 33 | | |
Description
Business Expansion
Purpose of loan: To expand my pet sitting business
This loan will be used to... Aggressively advertise(run ads in local paper,car magnet, business cards, Fliers.)Trying to put people to work need help to update insurance to add new workers.
My financial situation: Is getting better could be even better if I could expand my business.I have three paying jobs.
I am a good candidate for this loan because... I had a previous loan with Prosper paid in full never missed a payment. I have a regular job on top of my pet business and I recently took a job cleaning apartments. I will work hard to pay back loan I will never miss a payment.
Monthly net income: $1700.00
Monthly expenses: $1058.00
Housing: $250.00
Insurance: $123.00
Car expenses: $150.00
Utilities: $100.00
Phone, cable, internet: $62.00
Food, entertainment: $75.00
Clothing, household expenses: $0
Credit cards and other loans: $100.00
Other expenses: $200.00
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
510102
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:
| E |
Listing Duration:
| 14 days
|
|
Minimum Amount to Fund:
| $3,850 |
Estimated loss*:
| 14.70% | | |
|
Term:
| 12 months | | | | |
|
|
Lender yield:
| 25.69% |
Borrower rate/APR:
| 26.69% / 35.84% |
Monthly payment:
| $527.26 |
| |
|
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:
| Feb-2004 |
Debt/Income ratio:
| 76% |
|
Credit score:
| 660-679 (May-2011) |
Inquiries last 6m:
| 0 | Employment status: | Employed |
|
Now delinquent:
| 2 |
Current / open credit lines:
| 5
/
5 | Length of status: | 11y 0m |
|
Amount delinquent:
| $524 |
Total credit lines:
| 20 |
Occupation: | Food Service |
|
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $521 | Stated income: | $25,000-$49,999 |
|
Delinquencies in last 7y:
| 6 |
Bankcard utilization:
| 17% | | |
| | |
Homeownership:
| No | | |
|
Screen name:
| LovingLIFE23 |
Borrower's state:
| Georgia |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Description
Car Repair and Debt Consolidation
This loan will be used to...Fix my car and pay off some medical bills
My financial situation: Very Positive
I am a good candidate for this loan because i will oblige to all my financial obligations. I need a new motor for my car and I also have a few credit card and medical bills that I want to pay off. I only have 2 more payments remaining on my car note. I do not pay for housing so this loan will be no problem at all to pay. The negative information on my credit is because of a mistake that is being disputed. I did not realize it was on there until i pulled the report for this loan. It will be solved. I truly thank you in advance for your investment.
Monthly net income: $ 2800.00
Monthly expenses: $
Housing: $ 0
Insurance: $ 100.00
Car expenses: $ 600 until July 2011
Utilities: $ 0
Phone, cable, internet: $ 80
Food, entertainment: $ 150
Clothing, household expenses: I do not shop
Credit cards and other loans: $ 50
Other expenses: $ 150
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
510132
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
|
Amount:
| $6,000.00 |
Prosper Rating:
| D |
Listing Duration:
| 14 days
|
|
Minimum Amount to Fund:
| $4,200 |
Estimated loss*:
| 11.20% | | |
|
Term:
| 36 months | | | | |
|
|
Lender yield:
| 25.99% |
Borrower rate/APR:
| 26.99% / 30.53% |
Monthly payment:
| $244.92 |
| |
|
Lender servicing fee:
| 1.00% |
Effective Yield*:
| 25.34% | | |
| |
Estimated return*:
| 14.14% | | |
* 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:
| Jul-1981 |
Debt/Income ratio:
| 16% |
|
Credit score:
| 660-679 (Jun-2011) |
Inquiries last 6m:
| 3 | Employment status: | Employed |
|
Now delinquent:
| 3 |
Current / open credit lines:
| 15
/
15 | Length of status: | 6y 3m |
|
Amount delinquent:
| $393 |
Total credit lines:
| 45 |
Occupation: | Other |
|
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $12,213 | Stated income: | $75,000-$99,999 |
|
Delinquencies in last 7y:
| 7 |
Bankcard utilization:
| 87% | | |
| | |
Homeownership:
| Yes | | |
|
Screen name:
| loan-officer6 |
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
Centrino
Purpose of loan:
This loan will be used to...
To pay back property taxes that were sold and need to be redeemed immediately.
My financial situation:
I am a good candidate for this loan because...I have an excellent work history. I've been in the healthcare industry for more than 24 years.
Monthly net income: $7992(employment) + $583.86 (pension)
Monthly expenses: $3,059
Housing: $1320
Insurance: $155
Car expenses: $100
Utilities: $130
Phone, cable, internet: $40
Food, entertainment: $200
Clothing, household expenses: $300
Credit cards and other loans: $854
Other expenses: $125 monthly assessment
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
510162
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:
| A |
Listing Duration:
| 14 days
|
|
Minimum Amount to Fund:
| $2,100 |
Estimated loss*:
| 3.80% | | |
|
Term:
| 36 months | | | | |
|
|
Lender yield:
| 10.40% |
Borrower rate/APR:
| 11.40% / 13.52% |
Monthly payment:
| $98.79 |
| |
|
Lender servicing fee:
| 1.00% |
Effective Yield*:
| 10.37% | | |
| |
Estimated return*:
| 6.57% | | |
* 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):
| 10 |
First credit line:
| Jul-1992 |
Debt/Income ratio:
| 7% |
|
Credit score:
| 720-739 (Jun-2011) |
Inquiries last 6m:
| 0 | Employment status: | Employed |
|
Now delinquent:
| 0 |
Current / open credit lines:
| 6
/
6 | Length of status: | 0y 10m |
|
Amount delinquent:
| $0 |
Total credit lines:
| 17 |
Occupation: | Professor |
|
Public records last 12m / 10y:
| 1/ 1 |
Revolving credit balance:
| $3,388 | Stated income: | $25,000-$49,999 |
|
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 41% | | |
| | |
Homeownership:
| No | | |
|
Screen name:
| PurpleSage |
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
Payoff higher interest credit card
Purpose of loan:
This loan will be used to pay off my Capital One credit which is currently charging me around 20%. I am only using this to pay off this card.
My financial situation:
I am a good candidate for this loan because I am rather obsessive about paying my bills and paying them on time. This past spring I did a national job search and had to spend some money traveling for interviews. Thankfully, I landed a great job and will be moving to the east coast in August, with a 40% raise in salary. Because of the travel expenses this spring, I've had to carry a balance on my credit card, which I really hate to do. I'd like to clear this balance and save come money on the interest. As well, I'm much happier to help an individual make some money rather than a faceless corporation. Thanks.
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
510168
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
|
Amount:
| $25,000.00 |
Prosper Rating:
| AA |
Listing Duration:
| 14 days
|
|
Minimum Amount to Fund:
| $25,000 |
Estimated loss*:
| 1.95% | | |
|
Term:
| 36 months | | | | |
|
|
Lender yield:
| 7.99% |
Borrower rate/APR:
| 8.99% / 9.33% |
Monthly payment:
| $794.88 |
| |
|
Lender servicing fee:
| 1.00% |
Effective Yield*:
| 7.99% | | |
| |
Estimated return*:
| 6.04% | | |
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
|
Prosper score (1-10):
| 9 |
First credit line:
| May-1998 |
Debt/Income ratio:
| 8% |
|
Credit score:
| 780-799 (Jun-2011) |
Inquiries last 6m:
| 0 | Employment status: | Employed |
|
Now delinquent:
| 1 |
Current / open credit lines:
| 9
/
8 | Length of status: | 1y 9m |
|
Amount delinquent:
| $2,969 |
Total credit lines:
| 28 |
Occupation: | Executive |
|
Public records last 12m / 10y:
| 0/ 1 |
Revolving credit balance:
| $5,771 | Stated income: | $100,000+ |
|
Delinquencies in last 7y:
| 5 |
Bankcard utilization:
| 50% | | |
| | |
Homeownership:
| Yes | | |
|
Screen name:
| harmonious-contract3 |
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
Debt Con - 3069
Purpose of loan:
This loan will be used to consolidate debt and provide flexibility in monthly obligations now that I own a home.
My financial situation:
I am a good candidate for this loan because I make excellent money and want to obtain this loan more out of interest to enhance credit than need. Thank you.
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
510186
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*:
| 20.30% | | |
|
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*:
| 8.87% | | |
* 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):
| 2 |
First credit line:
| Apr-1994 |
Debt/Income ratio:
| 22% |
|
Credit score:
| 640-659 (Jun-2011) |
Inquiries last 6m:
| 3 | Employment status: | Employed |
|
Now delinquent:
| 0 |
Current / open credit lines:
| 2
/
2 | Length of status: | 3y 4m |
|
Amount delinquent:
| $0 |
Total credit lines:
| 44 |
Occupation: | Professional |
|
Public records last 12m / 10y:
| 0/ 1 |
Revolving credit balance:
| $0 | Stated income: | $25,000-$49,999 |
|
Delinquencies in last 7y:
| 11 |
Bankcard utilization:
| 0% | | |
| | |
Homeownership:
| No | | |
|
Screen name:
| wealth-victor |
Borrower's state:
| Washington |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Description
Requesting a small loan.
Purpose of loan:
This loan will be used to...
I will be buying a vehicle from a priviate seller.
My financial situation:
I am a good candidate for this loan because...
The main reason I have poor credit is that I was a real estate agent and a Loan officer going into 2007 - 2008. As we all know the market evaporated, I was forced to file a chap 7. I do not have any other credit balances with the exception of student loans which are currently defferred.
Monthly net income: $3000
Monthly expenses: $1500
Housing: $500
Insurance: $120
Car expenses: $150
Utilities: $80
Phone, cable, internet: $80
Food, entertainment: $200
Clothing, household expenses: $100
Credit cards and other loans: $
Other expenses: $
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
510192
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*:
| 11.20% | | |
|
Term:
| 60 months | | | | |
|
|
Lender yield:
| 29.49% |
Borrower rate/APR:
| 30.49% / 32.96% |
Monthly payment:
| $489.83 |
| |
|
Lender servicing fee:
| 1.00% |
Effective Yield*:
| 28.75% | | |
| |
Estimated return*:
| 17.55% | | |
* 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:
| Mar-1992 |
Debt/Income ratio:
| 29% |
|
Credit score:
| 700-719 (May-2011) |
Inquiries last 6m:
| 1 | Employment status: | Employed |
|
Now delinquent:
| 0 |
Current / open credit lines:
| 23
/
21 | Length of status: | 8y 0m |
|
Amount delinquent:
| $0 |
Total credit lines:
| 30 |
Occupation: | Sales - Commission |
|
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $87,358 | Stated income: | $100,000+ |
|
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 78% | | |
| | |
Homeownership:
| Yes | | |
|
Screen name:
| just-leverage0 |
Borrower's state:
| California |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Description
Debt consolidation and house work
Purpose of loan: Debt consolidation and house work
This loan will be used to... pay of credit card and some house work
My financial situation:
I am a good candidate for this loan because I never late on any of my payment.
Monthly net income: $ 6000/7000
Monthly expenses: $
Housing: $ 1500
Insurance: $ 100
Car expenses: $ 400
Utilities: $200
Phone, cable, internet: $100
Food, entertainment: $ 500
Clothing, household expenses: $
Credit cards and other loans: $700
Other expenses: $
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
510198
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*:
| 20.30% | | |
|
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*:
| 8.87% | | |
* 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):
| 3 |
First credit line:
| Apr-2004 |
Debt/Income ratio:
| 19% |
|
Credit score:
| 640-659 (Jun-2011) |
Inquiries last 6m:
| 2 | Employment status: | Employed |
|
Now delinquent:
| 0 |
Current / open credit lines:
| 13
/
12 | Length of status: | 8y 11m |
|
Amount delinquent:
| $0 |
Total credit lines:
| 28 |
Occupation: | Professional |
|
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $17,360 | Stated income: | $25,000-$49,999 |
|
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 96% | | |
| | |
Homeownership:
| Yes | | |
|
Screen name:
| trade-bell3 |
Borrower's state:
| Indiana |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Description
Loan needed
Purpose of loan:
This loan will be used to...Pay off a short term loan.
My financial situation:
I am a good candidate for this loan because...I will pay the loan in full in a very short term. Perhaps not a great investment for the loan provider, but will certainly help my short term need. I will pay loan in its entirety in a short amount of time.
Monthly net income: $2400
Monthly expenses: $1520
Housing: $800
Insurance: $100
Car expenses: $0
Utilities: $120
Phone, cable, internet: $0
Food, entertainment: $200
Clothing, household expenses: $100
Credit cards and other loans: $200
Other expenses: $
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
510266
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*:
| 13.00% | | |
|
Term:
| 36 months | | | | |
|
|
Lender yield:
| 29.99% |
Borrower rate/APR:
| 30.99% / 34.62% |
Monthly payment:
| $150.48 |
| |
|
Lender servicing fee:
| 1.00% |
Effective Yield*:
| 28.61% | | |
| |
Estimated return*:
| 15.61% | | |
* 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):
| 2 |
First credit line:
| Mar-1996 |
Debt/Income ratio:
| 37% |
|
Credit score:
| 640-659 (Jun-2011) |
Inquiries last 6m:
| 0 | Employment status: | Employed |
|
Now delinquent:
| 4 |
Current / open credit lines:
| 8
/
6 | Length of status: | 18y 6m |
|
Amount delinquent:
| $67 |
Total credit lines:
| 76 |
Occupation: | Professional |
|
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $29,030 | Stated income: | $50,000-$74,999 |
|
Delinquencies in last 7y:
| 13 |
Bankcard utilization:
| 78% | | |
| | |
Homeownership:
| No | | |
|
Screen name:
| mcd6952 |
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:
| 0 / 2 |
On-time:
| 59 ( 97% )
| 640-659 (Latest)
|
|
Principal borrowed:
| $9,300.00 | < 31 days late:
| 2
( 3% )
| 620-639
(Nov-2010)
600-619
(Dec-2007)
640-659
(Jun-2007)
|
|
Principal balance:
| $0.00 |
31+ days late:
| 0
( 0% )
|
|
Total payments billed:
| 61 | | |
Description
mcd69521
Purpose of loan:
This loan will be used to...take family on a vacation at disney.
My financial situation:is decent and I can afford the monthly payments.
I am a good candidate for this loan because...I had a previous loan here and an excellent verifiable payment history with Prosper.
Monthly net income: $3400.00
Monthly expenses: $
Housing: $590.00
Insurance: $
Car expenses:
Utilities: $
Phone, cable, internet: $
Food, entertainment: $
Clothing, household expenses: $
Credit cards and other loans: $
Other expenses: $
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
510296
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*:
| 20.30% | | |
|
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*:
| 8.87% | | |
* 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):
| 1 |
First credit line:
| Jul-1993 |
Debt/Income ratio:
| 24% |
|
Credit score:
| 640-659 (May-2011) |
Inquiries last 6m:
| 7 | Employment status: | Employed |
|
Now delinquent:
| 0 |
Current / open credit lines:
| 4
/
4 | Length of status: | 12y 10m |
|
Amount delinquent:
| $0 |
Total credit lines:
| 29 |
Occupation: | Accountant/CPA |
|
Public records last 12m / 10y:
| 0/ 1 |
Revolving credit balance:
| $1,399 | Stated income: | $25,000-$49,999 |
|
Delinquencies in last 7y:
| 15 |
Bankcard utilization:
| 81% | | |
| | |
Homeownership:
| No | | |
|
Screen name:
| treasure-prometheus4 |
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
Chevytruck
Purpose of loan: To pay off debt and have one monthly payment. MY husband and I want to purchase our first home so I thought a combined payment would help. I would like to pay my truck off which will save me about $400.00 a month if I get this loan.
My financial situation: Good
I am a good candidate for this loan because...I make my payments on time and every month
Monthly net income: $3000
Monthly expenses: $1000
Housing:
Insurance: $150
Car expenses: $472
Utilities: $
Phone, cable, internet: $
Food, entertainment: $100
Clothing, household expenses: $
Credit cards and other loans: $
Other expenses: $
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
510302
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
|
Amount:
| $7,500.00 |
Prosper Rating:
| E |
Listing Duration:
| 14 days
|
|
Minimum Amount to Fund:
| $5,250 |
Estimated loss*:
| 13.00% | | |
|
Term:
| 36 months | | | | |
|
|
Lender yield:
| 29.99% |
Borrower rate/APR:
| 30.99% / 34.62% |
Monthly payment:
| $322.47 |
| |
|
Lender servicing fee:
| 1.00% |
Effective Yield*:
| 28.61% | | |
| |
Estimated return*:
| 15.61% | | |
* 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):
| 3 |
First credit line:
| Dec-1984 |
Debt/Income ratio:
| 20% |
|
Credit score:
| 660-679 (Jun-2011) |
Inquiries last 6m:
| 1 | Employment status: | Employed |
|
Now delinquent:
| 1 |
Current / open credit lines:
| 4
/
4 | Length of status: | 26y 4m |
|
Amount delinquent:
| $1,247 |
Total credit lines:
| 29 |
Occupation: | Teacher |
|
Public records last 12m / 10y:
| 0/ 1 |
Revolving credit balance:
| $462 | Stated income: | $50,000-$74,999 |
|
Delinquencies in last 7y:
| 3 |
Bankcard utilization:
| 92% | | |
| | |
Homeownership:
| Yes | | |
|
Screen name:
| crollins |
Borrower's state:
| WestVirginia |
Borrower's group:
| BORROWERS - LARGEST 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:
| 1 / 2 |
On-time:
| 45 ( 100% )
| 660-679 (Latest)
|
|
Principal borrowed:
| $6,000.00 | < 31 days late:
| 0
( 0% )
| 660-679
(Jun-2010)
640-659
(Apr-2010)
640-659
(Oct-2009)
640-659
(May-2009)
|
|
Principal balance:
| $2,005.64 |
31+ days late:
| 0
( 0% )
|
|
Total payments billed:
| 45 | | |
Description
Great Prosper Customer!!!
Purpose of loan:
This loan will be used to...finish my basement.
My financial situation:
I am a good candidate for this loan because... I have paid off one previous loan with Prosper and am paid to date with my current loan.
Monthly net income: $ 3200.00
Monthly expenses: $1400.00
Housing: $700.00
Insurance: $50.00
Car expenses: $151.88
Utilities: $250.00
Phone, cable, internet: $58.00
Food, entertainment: $200.00
Clothing, household expenses: $100.00
Credit cards and other loans: $350.00
Other expenses: $
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
510308
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
|
Amount:
| $10,000.00 |
Prosper Rating:
| A |
Listing Duration:
| 14 days
|
|
Minimum Amount to Fund:
| $10,000 |
Estimated loss*:
| 3.80% | | |
|
Term:
| 60 months | | | | |
|
|
Lender yield:
| 13.90% |
Borrower rate/APR:
| 14.90% / 16.29% |
Monthly payment:
| $237.37 |
| |
|
Lender servicing fee:
| 1.00% |
Effective Yield*:
| 13.85% | | |
| |
Estimated return*:
| 10.05% | | |
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
|
Prosper score (1-10):
| 9 |
First credit line:
| May-1999 |
Debt/Income ratio:
| 15% |
|
Credit score:
| 760-779 (Jun-2011) |
Inquiries last 6m:
| 0 | Employment status: | Employed |
|
Now delinquent:
| 0 |
Current / open credit lines:
| 8
/
8 | Length of status: | 24y 5m |
|
Amount delinquent:
| $0 |
Total credit lines:
| 19 |
Occupation: | Laborer |
|
Public records last 12m / 10y:
| 0/ 1 |
Revolving credit balance:
| $5,832 | Stated income: | $25,000-$49,999 |
|
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 44% | | |
| | |
Homeownership:
| Yes | | |
|
Screen name:
| note-tremolo |
Borrower's state:
| Michigan |
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
Detroit Lions
Purpose of loan:
This loan will be used to...consolidate debt to one payment.
My financial situation:
I am a good candidate for this loan because...I pay my bills on time and have a steady job of 24+ years.
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
510314
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
|
Amount:
| $3,000.00 |
Prosper Rating:
| D |
Listing Duration:
| 14 days
|
|
Minimum Amount to Fund:
| $2,100 |
Estimated loss*:
| 10.00% | | |
|
Term:
| 36 months | | | | |
|
|
Lender yield:
| 22.99% |
Borrower rate/APR:
| 23.99% / 27.47% |
Monthly payment:
| $117.68 |
| |
|
Lender servicing fee:
| 1.00% |
Effective Yield*:
| 22.43% | | |
| |
Estimated return*:
| 12.43% | | |
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
|
Prosper score (1-10):
| 4 |
First credit line:
| Jul-2000 |
Debt/Income ratio:
| 21% |
|
Credit score:
| 640-659 (Jun-2011) |
Inquiries last 6m:
| 1 | Employment status: | Employed |
|
Now delinquent:
| 0 |
Current / open credit lines:
| 4
/
2 | Length of status: | 3y 8m |
|
Amount delinquent:
| $0 |
Total credit lines:
| 22 |
Occupation: | Retail Management |
|
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $371 | Stated income: | $1-$24,999 |
|
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 0% | | |
| | |
Homeownership:
| No | | |
|
Screen name:
| transparency-adventurer |
Borrower's state:
| California |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
| Loan history | Payment history | Credit score history |
|
Active / total loans:
| 1 / 1 |
On-time:
| 11 ( 100% )
| 640-659 (Latest)
|
|
Principal borrowed:
| $1,500.00 | < 31 days late:
| 0
( 0% )
| 660-679
(Jun-2010)
|
|
Principal balance:
| $1,157.81 |
31+ days late:
| 0
( 0% )
|
|
Total payments billed:
| 11 | | |
Description
Carrer Changing Internship Help
Purpose of loan:
To get me to the next step of my career. I have just graduated with my second bachelors degree and I have secured an internship with the company of my dreams. this loan would help facilitate that dream...
My financial situation: I am currently employed
I am a good candidate for this loan because I am responsible. Will always make payments on time. I am hard working and have goals.
Monthly net income: $1000
Monthly expenses: $200
Housing: $650
Utilities: $ INCLUDED
Phone, cable, internet: $70
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
510338
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:
| A |
Listing Duration:
| 14 days
|
|
Minimum Amount to Fund:
| $2,100 |
Estimated loss*:
| 2.60% | | |
|
Term:
| 36 months | | | | |
|
|
Lender yield:
| 9.29% |
Borrower rate/APR:
| 10.29% / 12.40% |
Monthly payment:
| $97.21 |
| |
|
Lender servicing fee:
| 1.00% |
Effective Yield*:
| 9.26% | | |
| |
Estimated return*:
| 6.66% | | |
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
|
Prosper score (1-10):
| 9 |
First credit line:
| Mar-1994 |
Debt/Income ratio:
| 10% |
|
Credit score:
| 740-759 (Jun-2011) |
Inquiries last 6m:
| 0 | Employment status: | Employed |
|
Now delinquent:
| 0 |
Current / open credit lines:
| 7
/
6 | Length of status: | 18y 8m |
|
Amount delinquent:
| $0 |
Total credit lines:
| 24 |
Occupation: | Professional |
|
Public records last 12m / 10y:
| 0/ 1 |
Revolving credit balance:
| $10,124 | Stated income: | $75,000-$99,999 |
|
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 37% | | |
| | |
Homeownership:
| Yes | | |
|
Screen name:
| blooming-peso9 |
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:
| 6 ( 100% )
| 740-759 (Latest)
|
|
Principal borrowed:
| $1,000.00 | < 31 days late:
| 0
( 0% )
| 760-779
(Oct-2010)
|
|
Principal balance:
| $0.00 |
31+ days late:
| 0
( 0% )
|
|
Total payments billed:
| 6 | | |
Description
Auto
Purpose of loan:
This loan will be used to...
Buy an auto for my daughter to give flexibility in getting a job. A cheaper auto I bought didn't work out.
My financial situation:
I am a good candidate for this loan because...
I always pay my bills on time. I work for a municipality so I have extremely good job security, and have been with them almost 20 years. I could probably save up this amount over the course of a few months but there are opportunities for her now, an auto available, and I am tired of her messing around.
Thank you
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
510350
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
|
Amount:
| $25,000.00 |
Prosper Rating:
| AA |
Listing Duration:
| 14 days
|
|
Minimum Amount to Fund:
| $25,000 |
Estimated loss*:
| 1.95% | | |
|
Term:
| 36 months | | | | |
|
|
Lender yield:
| 7.99% |
Borrower rate/APR:
| 8.99% / 9.33% |
Monthly payment:
| $794.88 |
| |
|
Lender servicing fee:
| 1.00% |
Effective Yield*:
| 7.99% | | |
| |
Estimated return*:
| 6.04% | | |
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
|
Prosper score (1-10):
| 10 |
First credit line:
| Nov-1992 |
Debt/Income ratio:
| 8% |
|
Credit score:
| 780-799 (Jun-2011) |
Inquiries last 6m:
| 0 | Employment status: | Employed |
|
Now delinquent:
| 0 |
Current / open credit lines:
| 7
/
7 | Length of status: | 6y 9m |
|
Amount delinquent:
| $0 |
Total credit lines:
| 22 |
Occupation: | Executive |
|
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $71,197 | Stated income: | $100,000+ |
|
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 63% | | |
| | |
Homeownership:
| Yes | | |
|
Screen name:
| meteoric-commitment3 |
Borrower's state:
| SouthCarolina |
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
Sylvan Learning Center
Purpose of loan:
This loan will be used to...
Fund leasehold improvements
My financial situation:
I am a good candidate for this loan because...
Good credit rating, stable business, multi-center owner since 2004
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
510362
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
|
Amount:
| $5,000.00 |
Prosper Rating:
| E |
Listing Duration:
| 14 days
|
|
Minimum Amount to Fund:
| $3,500 |
Estimated loss*:
| 14.70% | | |
|
Term:
| 12 months | | | | |
|
|
Lender yield:
| 25.69% |
Borrower rate/APR:
| 26.69% / 35.84% |
Monthly payment:
| $479.33 |
| |
|
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:
| Jul-1999 |
Debt/Income ratio:
| 34% |
|
Credit score:
| 680-699 (Jun-2011) |
Inquiries last 6m:
| 6 | Employment status: | Employed |
|
Now delinquent:
| 0 |
Current / open credit lines:
| 6
/
5 | Length of status: | 1y 0m |
|
Amount delinquent:
| $0 |
Total credit lines:
| 14 |
Occupation: | Computer Programmer |
|
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $3,406 | Stated income: | $50,000-$74,999 |
|
Delinquencies in last 7y:
| 3 |
Bankcard utilization:
| 19% | | |
| | |
Homeownership:
| No | | |
|
Screen name:
| consolidate1 |
Borrower's state:
| Utah |
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
DOWN PAYMENT ASSISTANCE
Loan Purpose:
I will be closing on my first home loan for a condo in SLC, UT for $54,900
The conventional loan i would like to close on requires 20% down ($10,980) I have $5,450 in cash and my paycheck this week will have $1,100 available to go towards the down. (total $6,550). My father has already agreed to give me the loan for the remaining amount but if i can I would rather keep financial things out of the family.
Loan will be used as a supplement to my down payment to secure the mortgage.
My financial situation is excellent. I recently refinanced my truck to a 2.5% rate and I am pre-approved for my mortgage and have begun the closing process. I have never been late for any payment.
**my current rent is $655, mortgage is $407/month
Monthly net income: $2426
Monthly expenses: $1422
Housing: $655
Insurance: $98
Car expenses: $110
Utilities: $22
Phone, cable, internet: $37
Food, entertainment: $300
Clothing, household expenses: $100
Information in the Description is not verified.