Listing Report:Supplement No. 10 dated Jun 29, 2011 to Prospectus dated Jun 23, 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 Jun 23, 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 Jun 23, 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
488675
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:
| $13,000.00 |
Prosper Rating:
| C |
Listing Duration:
| 14 days
|
|
Minimum Amount to Fund:
| $9,100 |
Estimated loss*:
| 6.10% | | |
|
Term:
| 36 months | | | | |
|
|
Lender yield:
| 17.99% |
Borrower rate/APR:
| 18.99% / 22.36% |
Monthly payment:
| $476.46 |
| |
|
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):
| 7 |
First credit line:
| Oct-1977 |
Debt/Income ratio:
| 38% |
|
Credit score:
| 720-739 (Jun-2011) |
Inquiries last 6m:
| 1 | Employment status: | Employed |
|
Now delinquent:
| 0 |
Current / open credit lines:
| 19
/
14 | Length of status: | 6y 9m |
|
Amount delinquent:
| $0 |
Total credit lines:
| 44 |
Occupation: | Analyst |
|
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $21,306 | Stated income: | $100,000+ |
|
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 54% | | |
| | |
Homeownership:
| Yes | | |
|
Screen name:
| 2008man |
Borrower's state:
| Ohio |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
| Loan history | Payment history | Credit score history |
|
Active / total loans:
| 0 / 1 |
On-time:
| 35 ( 100% )
| 720-739 (Latest)
|
|
Principal borrowed:
| $6,000.00 | < 31 days late:
| 0
( 0% )
| 680-699
(Jan-2010)
640-659
(May-2009)
660-679
(Jan-2008)
|
|
Principal balance:
| $0.00 |
31+ days late:
| 0
( 0% )
|
|
Total payments billed:
| 35 | | |
Description
loan to pay off debt
Purpose of loan: to pay off higher interest rate debt
This loan will be used to... pay debt
My financial situation:
I am a good candidate for this loan because...I was unemployed six years ago. Since then i have paid off about half of my Debt. I believe that I will be able to pay off everyhting in about 27 months.
Monthly net income: $ 6,500
Monthly expenses:
Housing: $1,780
Insurance: $200
Car expenses: $ 600
Utilities: $ 250
Phone, cable, internet: $300
Food, entertainment: $500
Clothing, household expenses: $200
Credit cards and other loans: $2000
Other expenses: $100
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
507673
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:
| A |
Listing Duration:
| 14 days
|
|
Minimum Amount to Fund:
| $2,800 |
Estimated loss*:
| 2.60% | | |
|
Term:
| 36 months | | | | |
|
|
Lender yield:
| 9.29% |
Borrower rate/APR:
| 10.29% / 12.40% |
Monthly payment:
| $129.61 |
| |
|
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-1988 |
Debt/Income ratio:
| 8% |
|
Credit score:
| 680-699 (Jun-2011) |
Inquiries last 6m:
| 1 | Employment status: | Employed |
|
Now delinquent:
| 0 |
Current / open credit lines:
| 10
/
8 | Length of status: | 3y 11m |
|
Amount delinquent:
| $0 |
Total credit lines:
| 32 |
Occupation: | Other |
|
Public records last 12m / 10y:
| 0/ 1 |
Revolving credit balance:
| $4,673 | Stated income: | $50,000-$74,999 |
|
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 42% | | |
| | |
Homeownership:
| No | | |
|
Screen name:
| londongirl67 |
Borrower's state:
| Illinois |
Borrower's group:
| NO DELINQZ |
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 / 3 |
On-time:
| 83 ( 100% )
| 680-699 (Latest)
|
|
Principal borrowed:
| $5,500.00 | < 31 days late:
| 0
( 0% )
| 620-639
(Apr-2010)
600-619
(Jan-2008)
580-599
(Nov-2007)
600-619
(Oct-2006)
|
|
Principal balance:
| $1,058.65 |
31+ days late:
| 0
( 0% )
|
|
Total payments billed:
| 83 | | |
Description
Become debt Free
Purpose of loan:
This loan will be used to help me become debt free with in the 3 year loan period.
My financial situation:
I am a good candidate for this loan because I have paid off 2 previous loans from Prosper and I am current with my current loan payments. I have a great full time job and this loan will help me save towards a down payment for a home.
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
512821
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:
| A |
Listing Duration:
| 14 days
|
|
Minimum Amount to Fund:
| $4,900 |
Estimated loss*:
| 3.80% | | |
|
Term:
| 36 months | | | | |
|
|
Lender yield:
| 10.40% |
Borrower rate/APR:
| 11.40% / 13.52% |
Monthly payment:
| $230.50 |
| |
|
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):
| 8 |
First credit line:
| Nov-1988 |
Debt/Income ratio:
| 14% |
|
Credit score:
| 800-819 (Jun-2011) |
Inquiries last 6m:
| 0 | Employment status: | Employed |
|
Now delinquent:
| 1 |
Current / open credit lines:
| 9
/
9 | Length of status: | 7y 4m |
|
Amount delinquent:
| $28,172 |
Total credit lines:
| 48 |
Occupation: | Accountant/CPA |
|
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $604 | Stated income: | $75,000-$99,999 |
|
Delinquencies in last 7y:
| 4 |
Bankcard utilization:
| 2% | | |
| | |
Homeownership:
| Yes | | |
|
Screen name:
| listing-matrix5 |
Borrower's state:
| Arizona |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Description
Accountant/Bookkeeper
Purpose of loan:
This loan will be used for start-up cost to start a home business for accounting and bookkeeping.
My financial situation:
I am a good candidate for this loan because I have over seven years of experience working as a Treasurer/Accountant and over fifteen years in the field of accountancy, but now I'm ready to start a home business in accounting service.
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
513379
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*:
| 19.50% | | |
|
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*:
| 9.67% | | |
* 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-2006 |
Debt/Income ratio:
| 25% |
|
Credit score:
| 640-659 (Jun-2011) |
Inquiries last 6m:
| 3 | Employment status: | Employed |
|
Now delinquent:
| 0 |
Current / open credit lines:
| 10
/
10 | Length of status: | 1y 3m |
|
Amount delinquent:
| $0 |
Total credit lines:
| 14 |
Occupation: | Administrative Assi... |
|
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $5,445 | Stated income: | $25,000-$49,999 |
|
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 22% | | |
| | |
Homeownership:
| No | | |
|
Screen name:
| velocity-taiko |
Borrower's state:
| Hawaii |
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
Small Loan
Purpose of loan:
This loan will be used to consolidate debt.
My financial situation:
I am a good candidate for this loan because I will be on time with my payments.
Monthly net income: $1600
Monthly expenses: $1300 (bills)
Housing: $0
Insurance: $600/per 6 months
Car expenses: $100/month (gas)
Utilities: $0
Phone, cable, internet: $200 (family plan)
Food, entertainment: $75-$100/month
Clothing, household expenses: $0
Credit cards and other loans: $800/month
Other expenses: $0
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
513445
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:
| B |
Listing Duration:
| 14 days
|
|
Minimum Amount to Fund:
| $2,000 |
Estimated loss*:
| 5.95% | | |
|
Term:
| 36 months | | | | |
|
|
Lender yield:
| 14.99% |
Borrower rate/APR:
| 15.99% / 18.17% |
Monthly payment:
| $70.30 |
| |
|
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):
| 7 |
First credit line:
| Aug-2008 |
Debt/Income ratio:
| 14% |
|
Credit score:
| 740-759 (Jun-2011) |
Inquiries last 6m:
| 0 | Employment status: | Employed |
|
Now delinquent:
| 0 |
Current / open credit lines:
| 3
/
3 | Length of status: | 0y 5m |
|
Amount delinquent:
| $0 |
Total credit lines:
| 5 |
Occupation: | Teacher |
|
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $696 | Stated income: | $1-$24,999 |
|
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 8% | | |
| | |
Homeownership:
| Yes | | |
|
Screen name:
| transparency-iris |
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
Seeking Small Loan to Pay Bills
Purpose of loan:
This loan will be used to pay off some bills for the next month.
My financial situation:
I am a good candidate for this loan because I am always on time with payments to creditors. I am honest, and I always pay (at least) the minimum due on a bill before the due date. I have borrowed money before (through lines of credit) and have paid it back in a timely manner.
Monthly net income: $1300
Monthly expenses: $0
Housing: $500
Insurance: $0
Car expenses: $200
Utilities: $100
Phone, cable, internet: $100
Food, entertainment: $200
Clothing, household expenses: $
Credit cards and other loans: $15
Other expenses: $0
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
513451
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*:
| 17.00% | | |
|
Term:
| 36 months | | | | |
|
|
Lender yield:
| 30.25% |
Borrower rate/APR:
| 31.25% / 34.89% |
Monthly payment:
| $172.56 |
| |
|
Lender servicing fee:
| 1.00% |
Effective Yield*:
| 28.48% | | |
| |
Estimated return*:
| 11.48% | | |
* 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:
| Oct-1995 |
Debt/Income ratio:
| 68% |
|
Credit score:
| 620-639 (Jun-2011) |
Inquiries last 6m:
| 2 | Employment status: | Other |
|
Now delinquent:
| 0 |
Current / open credit lines:
| 19
/
17 | Length of status: | 5y 8m |
|
Amount delinquent:
| $0 |
Total credit lines:
| 56 |
Occupation: | Other |
|
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $10,718 | Stated income: | $25,000-$49,999 |
|
Delinquencies in last 7y:
| 3 |
Bankcard utilization:
| 59% | | |
| | |
Homeownership:
| Yes | | |
|
Screen name:
| tobby01 |
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.
Prosper Activity
| Loan history | Payment history | Credit score history |
|
Active / total loans:
| 0 / 3 |
On-time:
| 18 ( 90% )
| 620-639 (Latest)
|
|
Principal borrowed:
| $7,000.00 | < 31 days late:
| 2
( 10% )
| 700-719
(May-2010)
700-719
(Apr-2010)
700-719
(Nov-2009)
620-639
(Aug-2009)
|
|
Principal balance:
| $0.00 |
31+ days late:
| 0
( 0% )
|
|
Total payments billed:
| 20 | | |
Description
GET OUT CREDIT CARD DEBT
Purpose of loan:
This loan will be used to...Pay off citi credit card
My financial situation:
I am a good candidate for this loan because...This would be my third loan with prosper and I can say i have never been late. Payments will come directly out of my checking account.
Monthly net income: $3600.00
Monthly expenses: $800.00
Housing: $400
Insurance: $
Car expenses: $0
Utilities: $
Phone, cable, internet: $46.00
Food, entertainment: $
Clothing, household expenses: $
Credit cards and other loans: $300.00
Other expenses: $
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
513457
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:
| 36 months | | | | |
|
|
Lender yield:
| 25.99% |
Borrower rate/APR:
| 26.99% / 30.53% |
Monthly payment:
| $612.30 |
| |
|
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-1999 |
Debt/Income ratio:
| 9% |
|
Credit score:
| 640-659 (Jun-2011) |
Inquiries last 6m:
| 1 | Employment status: | Employed |
|
Now delinquent:
| 0 |
Current / open credit lines:
| 13
/
8 | Length of status: | 0y 4m |
|
Amount delinquent:
| $0 |
Total credit lines:
| 23 |
Occupation: | Executive |
|
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $23,090 | Stated income: | $100,000+ |
|
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 100% | | |
| | |
Homeownership:
| Yes | | |
|
Screen name:
| StarboardTack |
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
Debt & CF Reorg -Very Low Risk Loan
This loan will be used to eliminate 2 high-monthly-cost balances and consolidate some credit card debt. The $612 monthly payment will be more than offset by a $900 reduction in monthly expenses.
My financial situation:
High net worth (>$1M). Base salary of $240k plus an annual bonus (50%-100%) paid each Oct. Credit score is not around 800 due to closed credit card accounts which raised my credit usage percentage. Otherwise my credit history shows very low risk with no delinquencies or defaults in 25+ years. Finally an annual bonus which will be paid in Oct ($120k) will easily repay this loan. Looking to restore my formerly high credit rating.
Monthly net income: $13,000 take home plus bonus
Monthly Exp:
Housing: $7,000
Insurance: $1,000
Car exp: $400 (no car loans)
Utilities: $200
Phone, cable, internet: $200
Food, entertainment: $500
Clothing, household exp: $200
Credit cards & other loans: $2500 (will reduce by $900 with this loan)
Other exp: $0
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
513463
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:
| $3,300.00 |
Prosper Rating:
| D |
Listing Duration:
| 14 days
|
|
Minimum Amount to Fund:
| $2,310 |
Estimated loss*:
| 11.20% | | |
|
Term:
| 36 months | | | | |
|
|
Lender yield:
| 25.99% |
Borrower rate/APR:
| 26.99% / 30.53% |
Monthly payment:
| $134.71 |
| |
|
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:
| Sep-2004 |
Debt/Income ratio:
| 12% |
|
Credit score:
| 640-659 (Jun-2011) |
Inquiries last 6m:
| 1 | Employment status: | Employed |
|
Now delinquent:
| 0 |
Current / open credit lines:
| 6
/
6 | Length of status: | 3y 5m |
|
Amount delinquent:
| $0 |
Total credit lines:
| 12 |
Occupation: | Sales - Retail |
|
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $16,314 | Stated income: | $50,000-$74,999 |
|
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 98% | | |
| | |
Homeownership:
| No | | |
|
Screen name:
| trade-outpost |
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
Debt Consolidation
Purpose of loan:
This loan will be used to paydown credit card bills.
My financial situation:
I am a good candidate for this loan because I always pay on time and am expected a rise in income in August, which in solidify my ability to the monthly payment.
Monthly net income: $3300
Monthly expenses: $2730
Housing: $1200 per month
Insurance: $185 per month (includes car and rental)
Car expenses: $40 for gas
Utilities: $100
Phone, cable, internet: $330
Food, entertainment: $75
Clothing, household expenses: $100
Credit cards and other loans: $700
Other expenses: $
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
513469
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
|
Amount:
| $8,000.00 |
Prosper Rating:
| A |
Listing Duration:
| 14 days
|
|
Minimum Amount to Fund:
| $5,600 |
Estimated loss*:
| 2.60% | | |
|
Term:
| 60 months | | | | |
|
|
Lender yield:
| 12.29% |
Borrower rate/APR:
| 13.29% / 14.66% |
Monthly payment:
| $183.21 |
| |
|
Lender servicing fee:
| 1.00% |
Effective Yield*:
| 12.25% | | |
| |
Estimated return*:
| 9.65% | | |
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
|
Prosper score (1-10):
| 8 |
First credit line:
| Sep-2000 |
Debt/Income ratio:
| 13% |
|
Credit score:
| 660-679 (Jun-2011) |
Inquiries last 6m:
| 0 | Employment status: | Employed |
|
Now delinquent:
| 0 |
Current / open credit lines:
| 5
/
3 | Length of status: | 5y 1m |
|
Amount delinquent:
| $0 |
Total credit lines:
| 13 |
Occupation: | Other |
|
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $645 | Stated income: | $50,000-$74,999 |
|
Delinquencies in last 7y:
| 27 |
Bankcard utilization:
| 86% | | |
| | |
Homeownership:
| No | | |
|
Screen name:
| tbrogdon |
Borrower's state:
| Georgia |
Borrower's group:
| Christian Opportunities |
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:
| 47 ( 87% )
| 660-679 (Latest)
|
|
Principal borrowed:
| $9,001.00 | < 31 days late:
| 7
( 13% )
| 600-619
(Mar-2008)
660-679
(Aug-2006)
|
|
Principal balance:
| $0.00 |
31+ days late:
| 0
( 0% )
|
|
Total payments billed:
| 54 | | |
Description
loan for growing small bussiness
Purpose of loan:
This loan will be used to continue growth of my small bussiness comminovo, inc. The bussiness is currently growing and bringing income, but need some extra cash for growth.
My financial situation:
I am a good candidate for this loan because, I have a proven track record through two past prosper loans paid off on tme and in full. My bussiness is growing and able to repay the loan. I appreciate your assistance and look forward to prospering together.
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
513481
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:
| $5,300.00 |
Prosper Rating:
| B |
Listing Duration:
| 14 days
|
|
Minimum Amount to Fund:
| $3,710 |
Estimated loss*:
| 5.95% | | |
|
Term:
| 36 months | | | | |
|
|
Lender yield:
| 14.99% |
Borrower rate/APR:
| 15.99% / 18.17% |
Monthly payment:
| $186.31 |
| |
|
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):
| 7 |
First credit line:
| Aug-1988 |
Debt/Income ratio:
| 6% |
|
Credit score:
| 740-759 (Jun-2011) |
Inquiries last 6m:
| 0 | Employment status: | Other |
|
Now delinquent:
| 1 |
Current / open credit lines:
| 2
/
1 | Length of status: | 0y 2m |
|
Amount delinquent:
| $5,829 |
Total credit lines:
| 16 |
Occupation: | Other |
|
Public records last 12m / 10y:
| 0/ 6 |
Revolving credit balance:
| $0 | Stated income: | $25,000-$49,999 |
|
Delinquencies in last 7y:
| 16 |
Bankcard utilization:
| 0% | | |
| | |
Homeownership:
| No | | |
|
Screen name:
| bill-guardian |
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
In need of personal loan..thanks!
Purpose of loan:
This loan will be used to purchase a new form of transportation, which will replace present vehicle.
My financial situation:
I am a good candidate for this loan because I have been working on my financial situation by improving my credit rating over the last few years.
Monthly net income: $ 3294
Monthly expenses: $ 1785
Housing: $ 500
Insurance: $ 80
Car expenses: $ 250
Utilities: $ 300
Phone, cable, internet: $ 115
Food, entertainment: $ 190
Clothing, household expenses: $ 200
Credit cards and other loans: $ 150
Other expenses: $
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
513499
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:
| B |
Listing Duration:
| 14 days
|
|
Minimum Amount to Fund:
| $2,800 |
Estimated loss*:
| 5.95% | | |
|
Term:
| 36 months | | | | |
|
|
Lender yield:
| 14.99% |
Borrower rate/APR:
| 15.99% / 18.17% |
Monthly payment:
| $140.61 |
| |
|
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:
| Oct-2001 |
Debt/Income ratio:
| 18% |
|
Credit score:
| 720-739 (Jun-2011) |
Inquiries last 6m:
| 0 | Employment status: | Employed |
|
Now delinquent:
| 0 |
Current / open credit lines:
| 16
/
13 | Length of status: | 0y 5m |
|
Amount delinquent:
| $0 |
Total credit lines:
| 56 |
Occupation: | Sales - Retail |
|
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $36,252 | Stated income: | $75,000-$99,999 |
|
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 76% | | |
| | |
Homeownership:
| Yes | | |
|
Screen name:
| visionary-coin6 |
Borrower's state:
| Louisiana |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Description
Debt Consolidation
Purpose of loan: consolidate debt
This loan will be used to... pay off debt, and have lower monthly payment.
My financial situation: Hubby and I work full time
I am a good candidate for this loan because...I pay my bills always on time, very responsibile and highly motivated to pay off debt in less than three years to be able to save to build a house.
Monthly net income: $5500.
Monthly expenses: $
Housing: $1300
Insurance: $130
Car expenses: $453
Utilities: $130
Phone, cable, internet: $200
Food, entertainment: $100
Clothing, household expenses: $
Credit cards and other loans: $435
Other expenses: $400
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
513717
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:
| E |
Listing Duration:
| 14 days
|
|
Minimum Amount to Fund:
| $2,800 |
Estimated loss*:
| 14.70% | | |
|
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*:
| 29.57% | | |
| |
Estimated return*:
| 14.87% | | |
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
|
Prosper score (1-10):
| 4 |
First credit line:
| Jun-2007 |
Debt/Income ratio:
| Not calculated |
|
Credit score:
| 720-739 (Jun-2011) |
Inquiries last 6m:
| 0 | Employment status: | Not employed |
|
Now delinquent:
| 0 |
Current / open credit lines:
| 4
/
4 | Length of status: | 0y 0m |
|
Amount delinquent:
| $0 |
Total credit lines:
| 4 | Stated income: | Not employed |
|
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $0 | |
|
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 0% | | |
| | |
Homeownership:
| No | | |
|
Screen name:
| marketplace-puppy4 |
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
School loan
Purpose of loan:
This loan will be used to...Pay for books at classes at the college I am attending.
My financial situation:
I am a good candidate for this loan because...I am a hard working individual who needs a little help financially and my credit is good. I have some money saved and I am in the process of obtaining a new job.
Monthly net income: $3000
Monthly expenses: $1500
Housing: $500
Insurance: $0
Car expenses: $0
Utilities: $0
Phone, cable, internet: $0
Food, entertainment: $500
Clothing, household expenses: $100
Credit cards and other loans: $0
Other expenses: $0
400
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
513729
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
|
Amount:
| $3,000.00 |
Prosper Rating:
| HR |
Listing Duration:
| 14 days
|
|
Minimum Amount to Fund:
| $2,100 |
Estimated loss*:
| 19.50% | | |
|
Term:
| 36 months | | | | |
|
|
Lender yield:
| 30.99% |
Borrower rate/APR:
| 31.99% / 35.64% |
Monthly payment:
| $130.65 |
| |
|
Lender servicing fee:
| 1.00% |
Effective Yield*:
| 29.17% | | |
| |
Estimated return*:
| 9.67% | | |
* 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-2006 |
Debt/Income ratio:
| 21% |
|
Credit score:
| 660-679 (Jun-2011) |
Inquiries last 6m:
| 2 | Employment status: | Employed |
|
Now delinquent:
| 0 |
Current / open credit lines:
| 3
/
3 | Length of status: | 4y 2m |
|
Amount delinquent:
| $0 |
Total credit lines:
| 4 |
Occupation: | Sales - Retail |
|
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $3,847 | Stated income: | $1-$24,999 |
|
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 81% | | |
| | |
Homeownership:
| No | | |
|
Screen name:
| balance-marble |
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
Looking for a fresh Start
I'm seeking this loan to consolidate three of my credit cards into one monthly payment. I have good credit around 703. I am getting ready to close on a house which I have made a good investment in as I am buying it for 42,000 and it has just being appraised at 63,000. So I'm walking into good equity. I would like to just go ahead and pay these cards off that way I don't have to worry about it when I get in and it would be cheaper to pay just one payment a month instead of three.
I work for Publix Supermarkets, Have been there for four years and work 35 hours a week.
I make 1000 a month
My Monthly expenses total around 700 so I will have no problem making the payments on this loan every month.
Morgage: 380
Cable: 140
Electric: 125
Water: 55
Please consider me for this loan and thank you for your time. If you need any more information feel free to ask.
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
513917
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:
| $6,800.00 |
Prosper Rating:
| E |
Listing Duration:
| 14 days
|
|
Minimum Amount to Fund:
| $4,760 |
Estimated loss*:
| 14.70% | | |
|
Term:
| 36 months | | | | |
|
|
Lender yield:
| 30.99% |
Borrower rate/APR:
| 31.99% / 35.64% |
Monthly payment:
| $296.13 |
| |
|
Lender servicing fee:
| 1.00% |
Effective Yield*:
| 29.57% | | |
| |
Estimated return*:
| 14.87% | | |
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
|
Prosper score (1-10):
| 4 |
First credit line:
| Dec-1991 |
Debt/Income ratio:
| Not calculated |
|
Credit score:
| 680-699 (Jun-2011) |
Inquiries last 6m:
| 4 | Employment status: | Not employed |
|
Now delinquent:
| 5 |
Current / open credit lines:
| 4
/
2 | Length of status: | 21y 2m |
|
Amount delinquent:
| $3,375 |
Total credit lines:
| 23 | Stated income: | Not employed |
|
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $948 | |
|
Delinquencies in last 7y:
| 3 |
Bankcard utilization:
| 27% | | |
| | |
Homeownership:
| No | | |
|
Screen name:
| cactus40 |
Borrower's state:
| Kentucky |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Description
My loan for an auto purchase
Purpose of loan:
This loan will be used to... buy a car for my grandson and his family
My financial situation:
I am a good candidate for this loan because...
i pay my bill on time
Monthly net income: $ 2000
Monthly expenses: $0
Housing: $ 0
Insurance: $
Car expenses: $0
Utilities: $75
Phone, cable, internet: $0
Food, entertainment: $100
Clothing, household expenses: $0
Credit cards and other loans: $0
Other expenses: 0
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
513923
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*:
| 19.50% | | |
|
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*:
| 9.67% | | |
* 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:
| Jun-2001 |
Debt/Income ratio:
| 33% |
|
Credit score:
| 660-679 (Jun-2011) |
Inquiries last 6m:
| 1 | Employment status: | Employed |
|
Now delinquent:
| 0 |
Current / open credit lines:
| 3
/
3 | Length of status: | 7y 2m |
|
Amount delinquent:
| $0 |
Total credit lines:
| 7 |
Occupation: | Professional |
|
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $0 | Stated income: | $25,000-$49,999 |
|
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 0% | | |
| | |
Homeownership:
| No | | |
|
Screen name:
| integrity-pilot6 |
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
integrity-pilot6
Purpose of loan: Home Improvement
This loan will be used to purchase new carpet and fencing for home.
My financial situation:
I am a good candidate for this loan because...
Monthly net income: $2160
Monthly expenses: $1680
Housing: $0 (Own)
Insurance: $120
Car expenses: $450
Utilities: $200
Phone, cable, internet: $60
Food, entertainment: $350
Clothing, household expenses: $100
Credit cards and other loans: $150
Other expenses: $250
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
513935
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
|
Amount:
| $2,500.00 |
Prosper Rating:
| E |
Listing Duration:
| 14 days
|
|
Minimum Amount to Fund:
| $2,500 |
Estimated loss*:
| 14.70% | | |
|
Term:
| 36 months | | | | |
|
|
Lender yield:
| 30.99% |
Borrower rate/APR:
| 31.99% / 35.64% |
Monthly payment:
| $108.87 |
| |
|
Lender servicing fee:
| 1.00% |
Effective Yield*:
| 29.57% | | |
| |
Estimated return*:
| 14.87% | | |
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
|
Prosper score (1-10):
| 4 |
First credit line:
| May-2000 |
Debt/Income ratio:
| 10% |
|
Credit score:
| 680-699 (Jun-2011) |
Inquiries last 6m:
| 0 | Employment status: | Employed |
|
Now delinquent:
| 1 |
Current / open credit lines:
| 1
/
1 | Length of status: | 6y 11m |
|
Amount delinquent:
| $269 |
Total credit lines:
| 6 |
Occupation: | Other |
|
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $0 | Stated income: | $25,000-$49,999 |
|
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 0% | | |
| | |
Homeownership:
| No | | |
|
Screen name:
| worldly-kindness50 |
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
MY LOAN
Purpose of loan:
PAY FOR CMMERCIAL CDL TRAINING & FINISH THE REMAINING BALANCE ON A FINANCED CAR
This loan will be used to... SEE ABOVE
My financial situation: GOOD STANDING
I am a good candidate for this loan because... MY FINANCED CAR PAYMENT HISTORY IS A GOOD PROOF & AFTER MY CDL TRAINING I WILL ADD ANOTHER INCOME ON TOP OF THE ALREADY $ 45000.00
Monthly net income: $45987.22
Monthly expenses: $ 1600
Housing: $ 800
Insurance: $240
Car expenses: $200
Utilities: $ INCLUDED
Phone, cable, internet: $ 80
Food, entertainment: $ 120
Clothing, household expenses:
Credit cards and other loans: $272
Other expenses: $
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
513953
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
|
Amount:
| $10,000.00 |
Prosper Rating:
| B |
Listing Duration:
| 14 days
|
|
Minimum Amount to Fund:
| $10,000 |
Estimated loss*:
| 5.95% | | |
|
Term:
| 36 months | | | | |
|
|
Lender yield:
| 14.99% |
Borrower rate/APR:
| 15.99% / 18.17% |
Monthly payment:
| $351.52 |
| |
|
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):
| 7 |
First credit line:
| Feb-1995 |
Debt/Income ratio:
| 16% |
|
Credit score:
| 740-759 (Jun-2011) |
Inquiries last 6m:
| 2 | Employment status: | Employed |
|
Now delinquent:
| 0 |
Current / open credit lines:
| 9
/
9 | Length of status: | 4y 11m |
|
Amount delinquent:
| $0 |
Total credit lines:
| 30 |
Occupation: | Professional |
|
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $6,766 | Stated income: | $75,000-$99,999 |
|
Delinquencies in last 7y:
| 7 |
Bankcard utilization:
| 76% | | |
| | |
Homeownership:
| Yes | | |
|
Screen name:
| greenback-youngster |
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
Shan3243
Purpose of loan:
This loan will be used to pay off a $5k tax bill and another cc bill.
My financial situation: do well making $75k annually and have no dependants
I am a good candidate for this loan because I have credit credit history, am a homeoner with zero late payments or NSF's, and am good for it
Monthly net income: $4250.00
Monthly expenses:
Housing: $1,450.00
Insurance: $98.00
Car expenses: $324.00
Utilities: $100.00
Phone, cable, internet: $110.00
Food, entertainment: $250.00
Clothing, household expenses: $100.00
Credit cards and other loans: $400.00
Other expenses: $300.00-tax bill
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
513442
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
|
Amount:
| $3,000.00 |
Prosper Rating:
| C |
Listing Duration:
| 14 days
|
|
Minimum Amount to Fund:
| $2,100 |
Estimated loss*:
| 6.10% | | |
|
Term:
| 36 months | | | | |
|
|
Lender yield:
| 17.99% |
Borrower rate/APR:
| 18.99% / 22.36% |
Monthly payment:
| $109.95 |
| |
|
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):
| 7 |
First credit line:
| Sep-1998 |
Debt/Income ratio:
| 9% |
|
Credit score:
| 660-679 (Jun-2011) |
Inquiries last 6m:
| 2 | Employment status: | Employed |
|
Now delinquent:
| 0 |
Current / open credit lines:
| 4
/
3 | Length of status: | 1y 0m |
|
Amount delinquent:
| $0 |
Total credit lines:
| 10 |
Occupation: | Other |
|
Public records last 12m / 10y:
| 0/ 2 |
Revolving credit balance:
| $2,410 | Stated income: | $50,000-$74,999 |
|
Delinquencies in last 7y:
| 7 |
Bankcard utilization:
| 43% | | |
| | |
Homeownership:
| No | | |
|
Screen name:
| rodell_64 |
Borrower's state:
| Ohio |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
| Loan history | Payment history | Credit score history |
|
Active / total loans:
| 0 / 1 |
On-time:
| 4 ( 100% )
| 660-679 (Latest)
|
|
Principal borrowed:
| $2,000.00 | < 31 days late:
| 0
( 0% )
| 620-639
(Apr-2010)
580-599
(Sep-2008)
520-539
(Jun-2007)
540-559
(May-2007)
|
|
Principal balance:
| $0.00 |
31+ days late:
| 0
( 0% )
|
|
Total payments billed:
| 4 | | |
Description
New Central Air Unit for Home
Purpose of loan: In need of a new central air unit to replace the 16 year old unit that is now leaking refrigerant.
My financial situation:
I am a good candidate for this loan because I have maintained good credit with zero delinquent accounts for the past several years. I also recently received a 30% raise from a promotion.
Monthly net income: $3600
Monthly expenses: $1555
Housing: $515
Insurance: $65
Car expenses: $315
Utilities: $120
Phone, cable, internet: $90
Food, entertainment: $300
Clothing, household expenses: $50
Credit cards and other loans: $100
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
513496
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:
| 36 months | | | | |
|
|
Lender yield:
| 14.99% |
Borrower rate/APR:
| 15.99% / 18.17% |
Monthly payment:
| $527.28 |
| |
|
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:
| 22% |
|
Credit score:
| 740-759 (Jun-2011) |
Inquiries last 6m:
| 0 | Employment status: | Employed |
|
Now delinquent:
| 1 |
Current / open credit lines:
| 6
/
5 | Length of status: | 18y 0m |
|
Amount delinquent:
| $0 |
Total credit lines:
| 21 |
Occupation: | Military Enlisted |
|
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $8,308 | Stated income: | $50,000-$74,999 |
|
Delinquencies in last 7y:
| 12 |
Bankcard utilization:
| 50% | | |
| | |
Homeownership:
| Yes | | |
|
Screen name:
| wise-elegant-dinero |
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
Debt Consolidation
Purpose of loan:
This loan will be used to...consolidate my credit card and timeshare loans plus get $5000 for retainer fee to get custody of my daughter
My financial situation:
I am a good candidate for this loan because...I'm never late on payments and I just want a break and not worry financially like I have for many years.
Monthly net income: $4600
Monthly expenses: $1994
Housing: $800 month rent
Insurance: $98
Car expenses: $560
Utilities: $200
Phone, cable, internet: $123
Food, entertainment: $300
Clothing, household expenses: $100
Credit cards and other loans: $425
Other expenses: $0
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
513584
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*:
| 19.50% | | |
|
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*:
| 9.67% | | |
* 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-1977 |
Debt/Income ratio:
| 34% |
|
Credit score:
| 700-719 (Jun-2011) |
Inquiries last 6m:
| 5 | Employment status: | Employed |
|
Now delinquent:
| 0 |
Current / open credit lines:
| 19
/
19 | Length of status: | 4y 5m |
|
Amount delinquent:
| $0 |
Total credit lines:
| 35 |
Occupation: | Nurse (RN) |
|
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $107,856 | Stated income: | $75,000-$99,999 |
|
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 45% | | |
| | |
Homeownership:
| Yes | | |
|
Screen name:
| rupee-octave |
Borrower's state:
| California |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Description
My loan for debt consolidation
No description was provided by the borrower.
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
513702
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:
| Jun-1996 |
Debt/Income ratio:
| 34% |
|
Credit score:
| 680-699 (Jun-2011) |
Inquiries last 6m:
| 1 | Employment status: | Employed |
|
Now delinquent:
| 0 |
Current / open credit lines:
| 14
/
12 | Length of status: | 19y 4m |
|
Amount delinquent:
| $0 |
Total credit lines:
| 29 |
Occupation: | Military Enlisted |
|
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $21,297 | Stated income: | $50,000-$74,999 |
|
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 73% | | |
| | |
Homeownership:
| Yes | | |
|
Screen name:
| finance-equinox |
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.
Prosper Activity
| Loan history | Payment history | Credit score history |
|
Active / total loans:
| 1 / 1 |
On-time:
| 13 ( 100% )
| 680-699 (Latest)
|
|
Principal borrowed:
| $5,000.00 | < 31 days late:
| 0
( 0% )
| 680-699
(Apr-2010)
|
|
Principal balance:
| $3,606.68 |
31+ days late:
| 0
( 0% )
|
|
Total payments billed:
| 13 | | |
Description
Gas Saving Vehicle
Purpose of loan:
This loan will be used to purchase a more fuel efficient and reliable vehicle. My new duty location has me traveling 175 miles one way and my current vehicle (2004 Chevy Silverado) gets around 15 miles per gallon. I have found a nice Honda Civic that will more than pay for itself with the gas savings.
My financial situation:
I am an excellent candidate for this loan because I have never had a missed or late payment. I have the extra cash flow to pay this additional expense. I will save approx $200 a month in gas (estimating 30 mpg in the Civic) compard to my truck. I will essentially be getting the Civic for free.
Monthly net income: $ 4500
Monthly expenses: $ 2850
Housing: $ 1200
Insurance: $ 50
Car expenses: $ 50
Utilities: $ 200
Phone, cable, internet: $ 100
Food, entertainment: $ 200
Clothing, household expenses: $ 100
Credit cards and other loans: $ 700
Other expenses: $ 250
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
513726
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
|
Amount:
| $7,000.00 |
Prosper Rating:
| C |
Listing Duration:
| 14 days
|
|
Minimum Amount to Fund:
| $4,900 |
Estimated loss*:
| 6.10% | | |
|
Term:
| 36 months | | | | |
|
|
Lender yield:
| 17.99% |
Borrower rate/APR:
| 18.99% / 22.36% |
Monthly payment:
| $256.56 |
| |
|
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):
| 7 |
First credit line:
| Dec-2002 |
Debt/Income ratio:
| 13% |
|
Credit score:
| 640-659 (Jun-2011) |
Inquiries last 6m:
| 0 | Employment status: | Employed |
|
Now delinquent:
| 0 |
Current / open credit lines:
| 2
/
1 | Length of status: | 0y 6m |
|
Amount delinquent:
| $0 |
Total credit lines:
| 10 |
Occupation: | Accountant/CPA |
|
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $6,728 | Stated income: | $25,000-$49,999 |
|
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 98% | | |
| | |
Homeownership:
| No | | |
|
Screen name:
| GreenMiss2007 |
Borrower's state:
| NewYork |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
| Loan history | Payment history | Credit score history |
|
Active / total loans:
| 1 / 1 |
On-time:
| 10 ( 100% )
| 640-659 (Latest)
|
|
Principal borrowed:
| $2,500.00 | < 31 days late:
| 0
( 0% )
| 680-699
(Aug-2010)
640-659
(Aug-2009)
|
|
Principal balance:
| $1,986.18 |
31+ days late:
| 0
( 0% )
|
|
Total payments billed:
| 10 | | |
Description
Consolidate 2 Credit Cards
Purpose of loan:
This loan will be used to...
Consolidate two credit cards with APR of 29.99%
My financial situation: Stable secure accounting job with good potential for promotion and bonus.
I am a good candidate for this loan because...
Previous Prosper borrower with perfect payment history.
Monthly net income: $2,600
Monthly expenses: $2,480
Housing: $1175
Insurance: $0
Car expenses: $0 (Public transit, deducted directly from gross income)
Utilities: $40 (Electricity only)
Phone, cable, internet: $0 (Phone is paid for by company, no cable, internet is accessed via phone tethering)
Food, entertainment: $600
Clothing, household expenses: $150
Credit cards and other loans: $100 + 165 (Loan will replace the second amount)
Other expenses: $100
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
513878
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:
| 36 months | | | | |
|
|
Lender yield:
| 14.99% |
Borrower rate/APR:
| 15.99% / 18.17% |
Monthly payment:
| $527.28 |
| |
|
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:
| May-2002 |
Debt/Income ratio:
| 17% |
|
Credit score:
| 680-699 (Jun-2011) |
Inquiries last 6m:
| 4 | Employment status: | Employed |
|
Now delinquent:
| 0 |
Current / open credit lines:
| 8
/
6 | Length of status: | 2y 8m |
|
Amount delinquent:
| $0 |
Total credit lines:
| 20 |
Occupation: | Analyst |
|
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $2,169 | Stated income: | $50,000-$74,999 |
|
Delinquencies in last 7y:
| 8 |
Bankcard utilization:
| 7% | | |
| | |
Homeownership:
| No | | |
|
Screen name:
| revenue-birdie6 |
Borrower's state:
| Louisiana |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Description
Lucrative Transportation Company
This loan will be used to purchase tools needed to confirm contracts of guaranteed business.I am college educated individual with proven success in business development. As a youth my mom and uncle were partners in running a successful transpo Co. and my grandfather owned/operated his own. At a young age I was able to experience the inside of working a successful transpo Co.This inspired me to major in business, which lead to my academic success and post graduate achievements. After building a good credit history and creating a polished business plan. I applied to multiple financial institutions and either have been denied or offered an interest rate and down payments not conducive to operating a profitable business. So in searching for assistance in starting this Co, I have turned to Prosper.I am ready to engage in my dream of operating Transpo King LLC ?the future of transportation.? Monthly net income $3500, Monthly expenses $1500( rent,car,phone,food, and misc)
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
513926
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
|
Amount:
| $7,500.00 |
Prosper Rating:
| E |
Listing Duration:
| 14 days
|
|
Minimum Amount to Fund:
| $5,250 |
Estimated loss*:
| 14.70% | | |
|
Term:
| 36 months | | | | |
|
|
Lender yield:
| 30.99% |
Borrower rate/APR:
| 31.99% / 35.64% |
Monthly payment:
| $326.62 |
| |
|
Lender servicing fee:
| 1.00% |
Effective Yield*:
| 29.57% | | |
| |
Estimated return*:
| 14.87% | | |
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
|
Prosper score (1-10):
| 2 |
First credit line:
| Oct-1983 |
Debt/Income ratio:
| Not calculated |
|
Credit score:
| 820-839 (Jun-2011) |
Inquiries last 6m:
| 5 | Employment status: | Not employed |
|
Now delinquent:
| 0 |
Current / open credit lines:
| 5
/
4 | Length of status: | 2y 11m |
|
Amount delinquent:
| $0 |
Total credit lines:
| 20 | Stated income: | Not employed |
|
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $425 | |
|
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 0% | | |
| | |
Homeownership:
| No | | |
|
Screen name:
| deal-cymbal |
Borrower's state:
| Arizona |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Description
Please pass
No description was provided by the borrower.
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
513944
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:
| AA |
Listing Duration:
| 14 days
|
|
Minimum Amount to Fund:
| $2,000 |
Estimated loss*:
| 1.95% | | |
|
Term:
| 12 months | | | | |
|
|
Lender yield:
| 5.49% |
Borrower rate/APR:
| 6.49% / 7.43% |
Monthly payment:
| $172.58 |
| |
|
Lender servicing fee:
| 1.00% |
Effective Yield*:
| 5.49% | | |
| |
Estimated return*:
| 3.54% | | |
* 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:
| Apr-1965 |
Debt/Income ratio:
| 3% |
|
Credit score:
| 760-779 (Jun-2011) |
Inquiries last 6m:
| 0 | Employment status: | Employed |
|
Now delinquent:
| 0 |
Current / open credit lines:
| 4
/
4 | Length of status: | 30y 10m |
|
Amount delinquent:
| $0 |
Total credit lines:
| 33 |
Occupation: | Teacher |
|
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $4,606 | Stated income: | $100,000+ |
|
Delinquencies in last 7y:
| 34 |
Bankcard utilization:
| 11% | | |
| | |
Homeownership:
| No | | |
|
Screen name:
| bill-yeller1 |
Borrower's state:
| NewMexico |
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
bill-yeller1
Purpose of loan:
This loan will be used to...join other home business opportunities
My financial situation:
I am a good candidate for this loan because...I will make my payments on time and expect to become a loaner rather than a borrower as my businesses succeed.
Thank you.
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
513956
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
|
Amount:
| $3,200.00 |
Prosper Rating:
| A |
Listing Duration:
| 14 days
|
|
Minimum Amount to Fund:
| $2,240 |
Estimated loss*:
| 3.80% | | |
|
Term:
| 36 months | | | | |
|
|
Lender yield:
| 10.40% |
Borrower rate/APR:
| 11.40% / 13.52% |
Monthly payment:
| $105.37 |
| |
|
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):
| 9 |
First credit line:
| Oct-1999 |
Debt/Income ratio:
| 3% |
|
Credit score:
| 740-759 (Jun-2011) |
Inquiries last 6m:
| 0 | Employment status: | Employed |
|
Now delinquent:
| 2 |
Current / open credit lines:
| 3
/
3 | Length of status: | 1y 7m |
|
Amount delinquent:
| $1,434 |
Total credit lines:
| 19 |
Occupation: | Tradesman - Mechani... |
|
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $112 | Stated income: | $50,000-$74,999 |
|
Delinquencies in last 7y:
| 2 |
Bankcard utilization:
| 22% | | |
| | |
Homeownership:
| No | | |
|
Screen name:
| decisive-dollar8 |
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
Loan
Purpose of loan:
This loan will be used to...pay off a tax account with Santa barbara Tax Product group.
My financial situation:
I am a good candidate for this loan because... I showing I can pay my monthly payments and for big loans I always pay them off on time.
Information in the Description is not verified.