Listing Report:Supplement No. 2 dated Jul 15, 2011 to Prospectus dated Jul 14, 2011File pursuant to Rule 424(b)(3)
Registration Statement No. 333-147019
Prosper Marketplace, Inc.
Borrower Payment Dependent Notes
This Listing Report supplements the prospectus dated Jul 14, 2011 and provides information about each loan request (referred to as a "listing") and series of Borrower Payment Dependent Notes (the "Notes") we are currently offering. Prospective investors should read this Listing Report supplement together with the prospectus dated Jul 14, 2011 to understand the terms and conditions of the Notes and how they are offered, as well as the risks of investing in Notes.
The following series of Notes are currently being offered:
Borrower Payment Dependent Notes Series
496825
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount:
| $14,000.00 |
Prosper Rating:
| D |
Listing Duration:
| 14 days
|
Minimum Amount to Fund:
| $14,000 |
Estimated loss*:
| 11.20% | | |
Term:
| 60 months | | | | |
|
Lender yield:
| 29.49% |
Borrower rate/APR:
| 30.49% / 32.96% |
Monthly payment:
| $457.17 |
|
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:
| Nov-1986 |
Debt/Income ratio:
| 31% |
Credit score:
| 700-719 (Jul-2011) |
Inquiries last 6m:
| 0 | Employment status: | Employed |
Now delinquent:
| 0 |
Current / open credit lines:
| 8
/
7 | Length of status: | 3y 11m |
Amount delinquent:
| $0 |
Total credit lines:
| 21 |
Occupation: | Teacher |
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $3,045 | Stated income: | $25,000-$49,999 |
Delinquencies in last 7y:
| 3 |
Bankcard utilization:
| 89% | | |
| |
Homeownership:
| No | | |
Screen name:
| micheledh |
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
Teacher
Purpose of loan:
This loan will be used to...consolidate some of my debt.
My financial situation:
I am a good candidate for this loan because...I am reliable and will make the monthly payment on time. I plan to repay the loan early if I am able.
Monthly net income: $2350.00
Monthly expenses: $1900.00
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
513657
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount:
| $9,500.00 |
Prosper Rating:
| C |
Listing Duration:
| 14 days
|
Minimum Amount to Fund:
| $9,500 |
Estimated loss*:
| 6.10% | | |
Term:
| 36 months | | | | |
|
Lender yield:
| 17.99% |
Borrower rate/APR:
| 18.99% / 22.36% |
Monthly payment:
| $348.18 |
|
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:
| 32% |
Credit score:
| 700-719 (Jun-2011) |
Inquiries last 6m:
| 0 | Employment status: | Employed |
Now delinquent:
| 1 |
Current / open credit lines:
| 17
/
15 | Length of status: | 31y 6m |
Amount delinquent:
| $1,091 |
Total credit lines:
| 41 |
Occupation: | Accountant/CPA |
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $17,725 | Stated income: | $50,000-$74,999 |
Delinquencies in last 7y:
| 88 |
Bankcard utilization:
| 60% | | |
| |
Homeownership:
| Yes | | |
Screen name:
| SIGMAMAN |
Borrower's state:
| Texas |
Borrower's group:
| HARD MONEY LOANS |
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 ( 96% )
| 700-719 (Latest)
|
Principal borrowed:
| $10,250.00 | < 31 days late:
| 2
( 4% )
| 660-679
(Jun-2010)
640-659
(Aug-2009)
600-619
(Jan-2007)
|
Principal balance:
| $3,945.40 |
31+ days late:
| 0
( 0% )
|
Total payments billed:
| 47 | | |
Description
HOME REPAIRS and MEDICAL BILLS
Purpose of loan:
To purchase a new A/C and roof for my home. Also, my mentally impaired brother stays with me after my mother died, and he has medical bills that medicad will not pay for.
My financial situation:
I am a good candidate for this loan because my mother who died in 12/10 left me a house, a car, land, and two IRA accounts. I will need to sell the homes. This will take time. My home will be paid off in 10/11. Truck will be pd off in about 14 mos.Vested in my CO. pension plan. Employed for 33 years.Paid my previous prosper loans, and my credit score has steadly improved. I want let propser investors down.
Monthly net income: $4570.00
Monthly expenses:
Housing: $746.00 (only for 3 more mos.)
Insurance: paid by wife
Car expenses: $552.00 & 200.00 for gas
Utilities: paid by my wife
Phone, cable, internet: $150.00
Food, entertainment: $600.00
Clothing, household expenses: $150.00
Credit cards and other loans: $1045.00
Other expenses: $120.00
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
516201
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount:
| $20,000.00 |
Prosper Rating:
| A |
Listing Duration:
| 14 days
|
Minimum Amount to Fund:
| $14,000 |
Estimated loss*:
| 3.80% | | |
Term:
| 60 months | | | | |
|
Lender yield:
| 13.90% |
Borrower rate/APR:
| 14.90% / 16.29% |
Monthly payment:
| $474.75 |
|
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:
| Nov-1984 |
Debt/Income ratio:
| 19% |
Credit score:
| 720-739 (Jul-2011) |
Inquiries last 6m:
| 0 | Employment status: | Employed |
Now delinquent:
| 0 |
Current / open credit lines:
| 11
/
8 | Length of status: | 3y 5m |
Amount delinquent:
| $0 |
Total credit lines:
| 26 |
Occupation: | Accountant/CPA |
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $20,003 | Stated income: | $100,000+ |
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 46% | | |
| |
Homeownership:
| Yes | | |
Screen name:
| laudable-power217 |
Borrower's state:
| Georgia |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Description
My loan for home improvement
Purpose of loan:
This loan will be used to...add a patio and porch to the back of the house
My financial situation:
I am a good candidate for this loan because...I have a score of over 700 and have always paid all of my bills.
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
516371
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):
| 5 |
First credit line:
| Sep-1994 |
Debt/Income ratio:
| 36% |
Credit score:
| 600-619 (Jul-2011) |
Inquiries last 6m:
| 0 | Employment status: | Employed |
Now delinquent:
| 0 |
Current / open credit lines:
| 12
/
12 | Length of status: | 6y 1m |
Amount delinquent:
| $0 |
Total credit lines:
| 78 |
Occupation: | Analyst |
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $3,577 | Stated income: | $50,000-$74,999 |
Delinquencies in last 7y:
| 4 |
Bankcard utilization:
| 87% | | |
| |
Homeownership:
| Yes | | |
Screen name:
| myday |
Borrower's state:
| Missouri |
Borrower's group:
| FUTURE FINANCIAL FREEDOM 1 |
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan history | Payment history | Credit score history |
Active / total loans:
| 1 / 3 |
On-time:
| 80 ( 98% )
| 600-619 (Latest)
|
Principal borrowed:
| $17,500.00 | < 31 days late:
| 2
( 2% )
| 640-659
(Jun-2010)
620-639
(Apr-2008)
580-599
(Apr-2007)
|
Principal balance:
| $3,969.08 |
31+ days late:
| 0
( 0% )
|
Total payments billed:
| 82 | | |
Description
A Joyous Sounding Future
Please don?t judge me by my credit score alone. Due to issues that happened earlier in my life my credit rating has suffered (layoff, divorce, etc.). My 2nd Prosper loan was used to purchase my son digital hearing aids (HA) and it is time for us to upgrade as he will be leaving to attend college at Gallaudet University in Washington DC. This will be a departing gift that will allow him every opportunity to succeed.
Phonak Ambra HA Info:
Benefits-Auto ZoomControl & Real Ear Sound
HA-$6,598.00 ($3299/ea)
MyPilot (remote control for digital HA)-$500
TOTAL COST-$7,098 (plus tax & loan org fee)
I am a good candidate because1. A borrower from Prosper since 2007 2. A stable income
Monthly Net Salary $3448
Child Support $688.00
Mortgage/Car/Utility $ 1600
Other Exp (inclds 9 yr old son exp) $700
Credit Crd / Stnt Loan $450
Prosper #1: $225
New Prosper : $322.47
Ttl Mnthly Income $4136.00
Ttl Expenses: $3297
Adjusted Income: $838.53
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
516445
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:
| 36 months | | | | |
|
Lender yield:
| 25.99% |
Borrower rate/APR:
| 26.99% / 30.53% |
Monthly payment:
| $326.56 |
|
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:
| Sep-2008 |
Debt/Income ratio:
| Not calculated |
Credit score:
| 720-739 (Jul-2011) |
Inquiries last 6m:
| 0 | Employment status: | Other |
Now delinquent:
| 0 |
Current / open credit lines:
| 1
/
1 | Length of status: | 2y 10m |
Amount delinquent:
| $0 |
Total credit lines:
| 12 |
Occupation: | Other |
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $154 | Stated income: | $1-$24,999 |
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 8% | | |
| |
Homeownership:
| No | | |
Screen name:
| openness-base |
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
openness base loan
Purpose of loan:
This loan will be used to... fund a cosmetic surgery procedure, specifically, a breast augmentation.
My financial situation:
I am a good candidate for this loan because...I have excellent credit history for my young age; I am a third year college student at a private institution and have very few financial obligations. I share a room with my long-time boyfriend rented in a house near campus, so my rent is extremely low and I have no need for a car and the costs that accompany it. Plus, as a student,I have the financial support of my family, as well as supplementary income from scholarships.
Monthly net income: $1300
Monthly expenses: $500
Housing: $150
Insurance: $0
Car expenses: $0
Utilities: $50
Phone, cable, internet: $0
Food, entertainment: $100
Clothing, household expenses: $100
Credit cards and other loans: $100
Other expenses: $0
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
516487
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount:
| $10,000.00 |
Prosper Rating:
| D |
Listing Duration:
| 14 days
|
Minimum Amount to Fund:
| $10,000 |
Estimated loss*:
| 11.20% | | |
Term:
| 60 months | | | | |
|
Lender yield:
| 29.49% |
Borrower rate/APR:
| 30.49% / 32.96% |
Monthly payment:
| $326.55 |
|
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:
| Mar-2007 |
Debt/Income ratio:
| 38% |
Credit score:
| 720-739 (Jul-2011) |
Inquiries last 6m:
| 0 | Employment status: | Employed |
Now delinquent:
| 0 |
Current / open credit lines:
| 10
/
9 | Length of status: | 4y 7m |
Amount delinquent:
| $0 |
Total credit lines:
| 16 |
Occupation: | Other |
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $369 | Stated income: | $1-$24,999 |
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 0% | | |
| |
Homeownership:
| No | | |
Screen name:
| capital-dandelion0 |
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
Belly
Purpose of loan: Business
This loan will be used to...invest
My financial situation: Stable
I am a good candidate for this loan because...I am very responsible with my acounts
Monthly net income: $1200.00
Monthly expenses:
Housing: $0.00
Insurance: $37.00
Car expenses: $0.00
Utilities: 120.00
Phone, cable, internet: $39.00
Food, entertainment: $200.00
Clothing, household expenses: $0.00
Credit cards and other loans: $380.00
Other expenses: $
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
516569
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):
| 7 |
First credit line:
| Aug-1997 |
Debt/Income ratio:
| 24% |
Credit score:
| 720-739 (Jul-2011) |
Inquiries last 6m:
| 2 | Employment status: | Employed |
Now delinquent:
| 0 |
Current / open credit lines:
| 15
/
14 | Length of status: | 0y 0m |
Amount delinquent:
| $0 |
Total credit lines:
| 45 |
Occupation: | Attorney |
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $14,222 | Stated income: | $100,000+ |
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 47% | | |
| |
Homeownership:
| No | | |
Screen name:
| treasure-treaty4 |
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
lightweight
Purpose of loan: debt consolidation/lower monthly payments on consumer credit cards
This loan will be used to...consolidate consumer credit card balances
My financial situation: strong with high earnings ($5,000) paid bi-weekly
I am a good candidate for this loan because...high earnings with potential for substantial increases over the next 5 years; also have good credit history
Monthly net income: $12,500
Monthly expenses: $7000
Housing: $2400
Insurance: $120
Car expenses: $450
Utilities: $85
Phone, cable, internet: $100
Food, entertainment: $500
Clothing, household expenses: $500
Credit cards and other loans: $2500
Other expenses: $500
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
516587
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount:
| $5,000.00 |
Prosper Rating:
| B |
Listing Duration:
| 14 days
|
Minimum Amount to Fund:
| $3,500 |
Estimated loss*:
| 5.95% | | |
Term:
| 36 months | | | | |
|
Lender yield:
| 16.99% |
Borrower rate/APR:
| 17.99% / 20.20% |
Monthly payment:
| $180.74 |
|
Lender servicing fee:
| 1.00% |
Effective Yield*:
| 16.69% | | |
| |
Estimated return*:
| 10.74% | | |
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10):
| 8 |
First credit line:
| Apr-1983 |
Debt/Income ratio:
| 22% |
Credit score:
| 680-699 (Jul-2011) |
Inquiries last 6m:
| 0 | Employment status: | Employed |
Now delinquent:
| 0 |
Current / open credit lines:
| 8
/
6 | Length of status: | 18y 1m |
Amount delinquent:
| $0 |
Total credit lines:
| 26 |
Occupation: | Engineer - Mechanic... |
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $54,219 | Stated income: | $100,000+ |
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 82% | | |
| |
Homeownership:
| No | | |
Screen name:
| hope-economist3 |
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
RL
Purpose of loan:
This loan will be used to...
My financial situation:
I am a good candidate for this loan because...
Monthly net income: $7100
Monthly expenses: $6150
Housing: $1700
Insurance:
Car expenses:
Utilities: $300
Phone, cable, internet: $130
Food, entertainment: $400
Clothing, household expenses: $120
Credit cards and other loans: $2500
Other expenses: $1000
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
516603
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount:
| $5,000.00 |
Prosper Rating:
| E |
Listing Duration:
| 14 days
|
Minimum Amount to Fund:
| $5,000 |
Estimated loss*:
| 14.70% | | |
Term:
| 36 months | | | | |
|
Lender yield:
| 30.99% |
Borrower rate/APR:
| 31.99% / 35.64% |
Monthly payment:
| $217.74 |
|
Lender servicing fee:
| 1.00% |
Effective Yield*:
| 29.57% | | |
| |
Estimated return*:
| 14.87% | | |
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10):
| 5 |
First credit line:
| Dec-1995 |
Debt/Income ratio:
| 28% |
Credit score:
| 700-719 (Jul-2011) |
Inquiries last 6m:
| 3 | Employment status: | Employed |
Now delinquent:
| 0 |
Current / open credit lines:
| 9
/
9 | Length of status: | 25y 7m |
Amount delinquent:
| $0 |
Total credit lines:
| 15 |
Occupation: | Truck Driver |
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $11,947 | Stated income: | $50,000-$74,999 |
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 56% | | |
| |
Homeownership:
| Yes | | |
Screen name:
| fearless-ore4 |
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
daughters wedding
No description was provided by the borrower.
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
511732
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount:
| $15,000.00 |
Prosper Rating:
| A |
Listing Duration:
| 14 days
|
Minimum Amount to Fund:
| $10,500 |
Estimated loss*:
| 2.60% | | |
Term:
| 60 months | | | | |
|
Lender yield:
| 12.29% |
Borrower rate/APR:
| 13.29% / 14.66% |
Monthly payment:
| $343.53 |
|
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-1995 |
Debt/Income ratio:
| 20% |
Credit score:
| 740-759 (Jun-2011) |
Inquiries last 6m:
| 0 | Employment status: | Employed |
Now delinquent:
| 0 |
Current / open credit lines:
| 16
/
12 | Length of status: | 11y 8m |
Amount delinquent:
| $0 |
Total credit lines:
| 51 |
Occupation: | Pilot - Private/Com... |
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $26,300 | Stated income: | $100,000+ |
Delinquencies in last 7y:
| 1 |
Bankcard utilization:
| 82% | | |
| |
Homeownership:
| Yes | | |
Screen name:
| inspiring-cash4 |
Borrower's state:
| Indiana |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan history | Payment history | Credit score history |
Active / total loans:
| 1 / 1 |
On-time:
| 21 ( 100% )
| 740-759 (Latest)
|
Principal borrowed:
| $6,000.00 | < 31 days late:
| 0
( 0% )
| 740-759
(Aug-2009)
|
Principal balance:
| $2,750.78 |
31+ days late:
| 0
( 0% )
|
Total payments billed:
| 21 | | |
Description
Pasture's Delights Delivery Service
Purpose of loan: Pasture?s Delights is an organic dairy seeking funds to launch a Delivery Service. We will be delivering to centralized drop-off points where many people can come to meet the truck and pick up their milk and eggs. At $2/gallon Delivery charge we would need typically 150-300 gallons to make a 2-4 hour Delivery trip work economically. Funds from a Prosper Loan would be used as follows: $11,000 for a refrigerated trailer; $1,000 mktg costs; $1,500 volume milk handling equip; $1,500 for ancillary and maint costs. The loan will be repaid back with revenue from the Delivery Service. Thank you very much for considering this loan request. My financial situation: Operationally we are doing well. Connecting our farm to the people who want this food will improve my financial situation substantially. I have not defaulted on any bills as I take my financial obligations seriously.
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
513294
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount:
| $25,000.00 |
Prosper Rating:
| A |
Listing Duration:
| 14 days
|
Minimum Amount to Fund:
| $17,500 |
Estimated loss*:
| 2.60% | | |
Term:
| 60 months | | | | |
|
Lender yield:
| 12.29% |
Borrower rate/APR:
| 13.29% / 14.66% |
Monthly payment:
| $572.55 |
|
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):
| 9 |
First credit line:
| Apr-2004 |
Debt/Income ratio:
| 10% |
Credit score:
| 800-819 (Jun-2011) |
Inquiries last 6m:
| 1 | Employment status: | Employed |
Now delinquent:
| 0 |
Current / open credit lines:
| 3
/
3 | Length of status: | 7y 10m |
Amount delinquent:
| $0 |
Total credit lines:
| 8 |
Occupation: | Food Service Manage... |
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $12,331 | Stated income: | $75,000-$99,999 |
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 45% | | |
| |
Homeownership:
| No | | |
Screen name:
| DPRagmatiC |
Borrower's state:
| California |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan history | Payment history | Credit score history |
Active / total loans:
| 0 / 1 |
On-time:
| 22 ( 96% )
| 800-819 (Latest)
|
Principal borrowed:
| $9,000.00 | < 31 days late:
| 1
( 4% )
| 680-699
(Sep-2008)
|
Principal balance:
| $0.00 |
31+ days late:
| 0
( 0% )
|
Total payments billed:
| 23 | | |
Description
Vehicle Powertrain Restoration
This loan is intended to fund a rebuild project for my 1996 Toyota Landcruiser. It is a car I intend to keep & use indefinitely for both personal & business matters. I'm a returning Prosper borrower & my financial situation has changed significantly since my last listing, mostly for the better. You may refer to my previous listing for comparison. I still work for my parents & business has boomed like never before. It has expanded to two corporate locations & one sole proprietorship. My income is considerably higher now. But my parents have used my credit to purchase a home in 2009. This is why my DTI ratio is relatively high. In actuality, my mortgage is paid for by my parents (or by the business-however you look at it). There's no way to reflect this in my report as it is an "under the table" arrangement.
Monthly net income: +/- $5000
Monthly expenses:
Insurance: $437
Utilities: $ 75.00
Phone, cable, internet: $90
Food, entertainment: $200
Credit cards and other loans: $700
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
516244
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*:
| 11.20% | | |
Term:
| 36 months | | | | |
|
Lender yield:
| 25.99% |
Borrower rate/APR:
| 26.99% / 30.53% |
Monthly payment:
| $81.64 |
|
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-2000 |
Debt/Income ratio:
| 15% |
Credit score:
| 660-679 (Jul-2011) |
Inquiries last 6m:
| 1 | Employment status: | Employed |
Now delinquent:
| 5 |
Current / open credit lines:
| 5
/
5 | Length of status: | 6y 10m |
Amount delinquent:
| $9,188 |
Total credit lines:
| 16 |
Occupation: | Administrative Assi... |
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $1,519 | Stated income: | $25,000-$49,999 |
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 41% | | |
| |
Homeownership:
| Yes | | |
Screen name:
| justice-entrepreneur9 |
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
small real estate loan
Purpose of loan: I'm starting to wholesale properties in my local real estate market. I will bid on HUD or REOs homes (which are usually below market value), once my offer is accepted I have to provide an earnest money payment and then use transactional funding to sell house to investor. Usually, depending on the price of the house, earnest money amount is 500-1000 dollars. This is why I need this loan. I can repay the loan after my first three properties.
My financial situation:
I am a good candidate for this loan because I have a full time job. Real estate is something I'm doing part time, so even if my plans do not go as expected I can still make monthly payments.
Monthly net income: 2,200 $
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
516404
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount:
| $4,500.00 |
Prosper Rating:
| D |
Listing Duration:
| 14 days
|
Minimum Amount to Fund:
| $3,150 |
Estimated loss*:
| 11.20% | | |
Term:
| 36 months | | | | |
|
Lender yield:
| 25.99% |
Borrower rate/APR:
| 26.99% / 30.53% |
Monthly payment:
| $183.69 |
|
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-2009 |
Debt/Income ratio:
| 17% |
Credit score:
| 700-719 (Jul-2011) |
Inquiries last 6m:
| 2 | Employment status: | Employed |
Now delinquent:
| 0 |
Current / open credit lines:
| 4
/
4 | Length of status: | 0y 7m |
Amount delinquent:
| $0 |
Total credit lines:
| 4 |
Occupation: | Skilled Labor |
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $235 | Stated income: | $1-$24,999 |
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 5% | | |
| |
Homeownership:
| No | | |
Screen name:
| best-reward-microscope |
Borrower's state:
| NorthCarolina |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Description
Much needed Auto loan
Purpose of loan:
This loan will be used to buy a car for going to work. My current vehicle breaks down all the time and is getting to expensive to repair. every time it breaks down i always have a hard time catching a ride to work because its so far from my house. I fear if it breaks down completely i might lose my job. please help
My financial situation:
I am a good candidate for this loan because i always pay off my debt no matter what. i have a good credit score and I never want to ruin that. i have no negative account listings on my credit report.
Monthly net income: $1,264
Monthly expenses: $270
Housing: $0
Insurance: $80
Car expenses: $50 gass
Utilities: $
Phone, cable, internet: $90
Food, entertainment: $30
Clothing, household expenses: $20
Credit cards and other loans: $0
Other expenses: $0
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
516454
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount:
| $7,000.00 |
Prosper Rating:
| E |
Listing Duration:
| 14 days
|
Minimum Amount to Fund:
| $4,900 |
Estimated loss*:
| 14.70% | | |
Term:
| 36 months | | | | |
|
Lender yield:
| 30.99% |
Borrower rate/APR:
| 31.99% / 35.64% |
Monthly payment:
| $304.84 |
|
Lender servicing fee:
| 1.00% |
Effective Yield*:
| 29.57% | | |
| |
Estimated return*:
| 14.87% | | |
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10):
| 5 |
First credit line:
| Sep-1992 |
Debt/Income ratio:
| 38% |
Credit score:
| 680-699 (Jul-2011) |
Inquiries last 6m:
| 1 | Employment status: | Employed |
Now delinquent:
| 0 |
Current / open credit lines:
| 10
/
10 | Length of status: | 3y 4m |
Amount delinquent:
| $0 |
Total credit lines:
| 25 |
Occupation: | Other |
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $8,219 | Stated income: | $25,000-$49,999 |
Delinquencies in last 7y:
| 3 |
Bankcard utilization:
| 81% | | |
| |
Homeownership:
| No | | |
Screen name:
| dignified-coin7 |
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
Trying to make progress
Purpose of loan:
This loan will be used to pay off credit card and medical debt.
My financial situation:
I am a good candidate for this loan because I pay my bills, and just need to make progress. I am tired of being in this kind of debt, which originated years ago. Medical bills make it hard to catch up. By getting my current debt under control, I'll be able to cancel all but the best credit card, pay my loan and get on track financially.
Monthly net income: $2605
Monthly expenses: $2239 using lowest figures listed below
Housing: N/A as I look after my mother who is in the early stages of Alzheimer's in her home.
Insurance: $57 auto
Car expenses: $100-200
Utilities: $
Phone, cable, internet: $282
Food, entertainment: $600
Clothing, household expenses: $400
Credit cards and other loans: $600
Other expenses: at least $200, medical; varied expenses for haircuts, vehicle maintenance, etc. as it comes due.
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
516478
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount:
| $7,500.00 |
Prosper Rating:
| E |
Listing Duration:
| 14 days
|
Minimum Amount to Fund:
| $7,500 |
Estimated loss*:
| 14.70% | | |
Term:
| 12 months | | | | |
|
Lender yield:
| 25.69% |
Borrower rate/APR:
| 26.69% / 35.84% |
Monthly payment:
| $719.00 |
|
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-1996 |
Debt/Income ratio:
| 22% |
Credit score:
| 700-719 (Jul-2011) |
Inquiries last 6m:
| 0 | Employment status: | Employed |
Now delinquent:
| 1 |
Current / open credit lines:
| 3
/
4 | Length of status: | 1y 3m |
Amount delinquent:
| $14,417 |
Total credit lines:
| 16 |
Occupation: | Accountant/CPA |
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $157,168 | Stated income: | $50,000-$74,999 |
Delinquencies in last 7y:
| 3 |
Bankcard utilization:
| 78% | | |
| |
Homeownership:
| Yes | | |
Screen name:
| penny-tower5 |
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
Buying a vehicle
Purpose of loan:
I'm going to be buying a Jeep vehicle and have been looking in the $5,000 range which is the amount of cash I have now. I have located a vehicle a bit more expensive but a LOT more reliable than the lower priced ones.
My financial situation:
I'm very responsible, have owned my own house for over 10 years (since my early 20's) and always pay on time (with the exception of the loan modification I just went through to get a fixed interest rate). It's a long story but I was more or less conned into a really bad investment which is why I had an ARM mortgage that I just couldn't keep paying interest only on.
Monthly net income: $3800
Monthly expenses: $2350
Housing: $2000
Insurance: $0
Car expenses: $0
Utilities: $200
Phone, cable, internet: $50
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
516484
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount:
| $7,500.00 |
Prosper Rating:
| E |
Listing Duration:
| 14 days
|
Minimum Amount to Fund:
| $7,500 |
Estimated loss*:
| 14.70% | | |
Term:
| 36 months | | | | |
|
Lender yield:
| 30.99% |
Borrower rate/APR:
| 31.99% / 35.64% |
Monthly payment:
| $326.62 |
|
Lender servicing fee:
| 1.00% |
Effective Yield*:
| 29.57% | | |
| |
Estimated return*:
| 14.87% | | |
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10):
| 5 |
First credit line:
| Jul-1988 |
Debt/Income ratio:
| 32% |
Credit score:
| 700-719 (Jul-2011) |
Inquiries last 6m:
| 0 | Employment status: | Employed |
Now delinquent:
| 0 |
Current / open credit lines:
| 21
/
12 | Length of status: | 19y 0m |
Amount delinquent:
| $0 |
Total credit lines:
| 37 |
Occupation: | Doctor |
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $80,246 | Stated income: | $100,000+ |
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 98% | | |
| |
Homeownership:
| Yes | | |
Screen name:
| cordial-rate5 |
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
Debt Consolidation
Purpose of loan:
This loan will be used to...consolidation debt and eliminate compound interest obligations.
My financial situation:
I am a good candidate for this loan because...I am a successful veterinarian with nearly 20 years experience. I have a steady income and take my responsibilites very seriously.
Monthly net income: $15000
Monthly expenses: $
Housing: $3000
Insurance: $200
Car expenses: $100
Utilities: $150
Phone, cable, internet: $50
Food, entertainment: $50
Clothing, household expenses: $
Credit cards and other loans: $200
Other expenses: $
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
516490
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:
| A |
Listing Duration:
| 14 days
|
Minimum Amount to Fund:
| $9,100 |
Estimated loss*:
| 2.60% | | |
Term:
| 36 months | | | | |
|
Lender yield:
| 9.29% |
Borrower rate/APR:
| 10.29% / 12.40% |
Monthly payment:
| $421.25 |
|
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):
| 8 |
First credit line:
| Mar-2001 |
Debt/Income ratio:
| Not calculated |
Credit score:
| 740-759 (Jul-2011) |
Inquiries last 6m:
| 0 | Employment status: | Employed |
Now delinquent:
| 0 |
Current / open credit lines:
| 10
/
9 | Length of status: | 5y 5m |
Amount delinquent:
| $0 |
Total credit lines:
| 27 |
Occupation: | Professional |
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $11,085 | Stated income: | $50,000-$74,999 |
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 29% | | |
| |
Homeownership:
| No | | |
Screen name:
| mrs_responsible |
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:
| $5,100.00 | < 31 days late:
| 0
( 0% )
| 740-759
(Dec-2009)
|
Principal balance:
| $2,833.08 |
31+ days late:
| 0
( 0% )
|
Total payments billed:
| 18 | | |
Description
Pay off last credit card balance!
This loan will be used to pay off our final and only outstanding credit card balance accumulated from taking care of our dog who was severely epileptic (we lost him last year at age 3), travelling to see my father before he died (he passed in 2007 at age 57), and our 2008 wedding.
Our remaining balance is currently earning 0% on a balance transfer but I want get it transfered to Prosper before it expires and we have to pay the accrued interest! A portion of the amount requested will also be used to pay off our existing car loan early.
I have worked at University of California as a designer for the past 5.5 years, receiving two promotions. I also do about $1000+ of freelance design work every month (not included in listed income). My husband teaches autistic children at a public middle school.
We never miss a payment (I am very organized). We are working to eliminate our debt so that we can start a family with a clear financial conscience!
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
516502
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:
| D |
Listing Duration:
| 14 days
|
Minimum Amount to Fund:
| $9,100 |
Estimated loss*:
| 11.20% | | |
Term:
| 60 months | | | | |
|
Lender yield:
| 29.49% |
Borrower rate/APR:
| 30.49% / 32.96% |
Monthly payment:
| $424.52 |
|
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:
| Jul-1989 |
Debt/Income ratio:
| 21% |
Credit score:
| 660-679 (Jun-2011) |
Inquiries last 6m:
| 2 | Employment status: | Employed |
Now delinquent:
| 3 |
Current / open credit lines:
| 11
/
8 | Length of status: | 3y 3m |
Amount delinquent:
| $915 |
Total credit lines:
| 29 |
Occupation: | Other |
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $11,400 | Stated income: | $75,000-$99,999 |
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 57% | | |
| |
Homeownership:
| Yes | | |
Screen name:
| credible-rate1 |
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
Lboogie
Purpose of loan: motorcycle
This loan will be used to...purchase a motorcycle
My financial situation:Is good. I have several paid for rental properties that are all currently rented out.
I am a good candidate for this loan because...I pay my bills on time.
Monthly net income: $6500.00
Monthly expenses: $
Housing: $500
Insurance: $800
Car expenses: $
Utilities: $200
Phone, cable, internet: $50
Food, entertainment: $
Clothing, household expenses: $100
Credit cards and other loans: $1800
Other expenses: $
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
516514
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:
| $3,500 |
Estimated loss*:
| 17.00% | | |
Term:
| 36 months | | | | |
|
Lender yield:
| 30.25% |
Borrower rate/APR:
| 31.25% / 34.89% |
Monthly payment:
| $150.99 |
|
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):
| 3 |
First credit line:
| Oct-1988 |
Debt/Income ratio:
| 40% |
Credit score:
| 620-639 (Jul-2011) |
Inquiries last 6m:
| 0 | Employment status: | Employed |
Now delinquent:
| 4 |
Current / open credit lines:
| 7
/
6 | Length of status: | 8y 1m |
Amount delinquent:
| $650 |
Total credit lines:
| 50 |
Occupation: | Professional |
Public records last 12m / 10y:
| 0/ 2 |
Revolving credit balance:
| $6,418 | Stated income: | $25,000-$49,999 |
Delinquencies in last 7y:
| 29 |
Bankcard utilization:
| 81% | | |
| |
Homeownership:
| No | | |
Screen name:
| SmallBus55 |
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.
Prosper Activity
Loan history | Payment history | Credit score history |
Active / total loans:
| 1 / 2 |
On-time:
| 49 ( 100% )
| 620-639 (Latest)
|
Principal borrowed:
| $3,000.00 | < 31 days late:
| 0
( 0% )
| 600-619
(Apr-2010)
600-619
(Jul-2008)
640-659
(Apr-2008)
|
Principal balance:
| $727.60 |
31+ days late:
| 0
( 0% )
|
Total payments billed:
| 49 | | |
Description
Expand My Indexing Business!
Purpose of loan: This loan will be used to expand my indexing business to include technical writing. Several years ago I started a part-time, back-of-book indexing business, with a loan from Prosper. I had a perfect payment history for that loan, and paid it off early.
I also plan to pay off my other Prosper loan.
My financial situation: I am a good candidate for this loan because I have a good understanding of business and am self-motivated and hard-working. I have been and am working hard to repay all my loans and improve my credit score. I list my credit as "fair" because I want to be honest. I am current on all bills, but I still have some debt I am working to reduce. This is why I started my indexing business. I am still working full time as a librarian. Also, I have had the same checking account for about 10 years now (my Prosper payments are from it).
Monthly net income: $ 3,400
Monthly expenses aproximate $2,800
Thank you!
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
516520
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount:
| $4,000.00 |
Prosper Rating:
| D |
Listing Duration:
| 14 days
|
Minimum Amount to Fund:
| $2,800 |
Estimated loss*:
| 11.20% | | |
Term:
| 36 months | | | | |
|
Lender yield:
| 25.99% |
Borrower rate/APR:
| 26.99% / 30.53% |
Monthly payment:
| $163.28 |
|
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-1987 |
Debt/Income ratio:
| 11% |
Credit score:
| 680-699 (Jul-2011) |
Inquiries last 6m:
| 0 | Employment status: | Employed |
Now delinquent:
| 7 |
Current / open credit lines:
| 0
/
0 | Length of status: | 7y 1m |
Amount delinquent:
| $0 |
Total credit lines:
| 31 |
Occupation: | Administrative Assi... |
Public records last 12m / 10y:
| 0/ 1 |
Revolving credit balance:
| $0 | Stated income: | $1-$24,999 |
Delinquencies in last 7y:
| 4 |
Bankcard utilization:
| 0% | | |
| |
Homeownership:
| No | | |
Screen name:
| GodsChild60 |
Borrower's state:
| NorthCarolina |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Description
Financial Back Up
Purpose of loan:
This loan will be used to... build up credit score and have financial backup until I get my next refund check in 2012.
My financial situation: I'm taking care of my 3 grandchildren without any child support and I need extra financial assistance to fall on until I get my refund check in 2012.
I am a good candidate for this loan because... I plan on paying off this loan in less than 3 years.
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
516544
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:
| $11,000.00 |
Prosper Rating:
| D |
Listing Duration:
| 14 days
|
Minimum Amount to Fund:
| $7,700 |
Estimated loss*:
| 11.20% | | |
Term:
| 36 months | | | | |
|
Lender yield:
| 25.99% |
Borrower rate/APR:
| 26.99% / 30.53% |
Monthly payment:
| $449.02 |
|
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:
| Oct-1997 |
Debt/Income ratio:
| 181% |
Credit score:
| 720-739 (Jun-2011) |
Inquiries last 6m:
| 0 | Employment status: | Employed |
Now delinquent:
| 1 |
Current / open credit lines:
| 6
/
6 | Length of status: | 3y 7m |
Amount delinquent:
| $0 |
Total credit lines:
| 15 |
Occupation: | Other |
Public records last 12m / 10y:
| 0/ 1 |
Revolving credit balance:
| $7,255 | Stated income: | $1-$24,999 |
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 61% | | |
| |
Homeownership:
| No | | |
Screen name:
| Gladd5 |
Borrower's state:
| Maryland |
Borrower's group:
| FUTURE FINANCIAL FREEDOM 1 |
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Description
Getting a Fresh Start
Purpose of loan:
This loan will be used to...Pay off Debt and get a clean start
My financial situation: Good
I am a good candidate for this loan because...I have always helped others and now I need some help. My family has always had to fight tooth and nail for everything that we get. We really need this money to get ahead of the game. My husband is a DC Firefighter and always works. He got a second job because Im off for the summer. I work for a highschool and work with the special ed children. I would not be on here if I truly did not need this money. Thanks
Monthly net income: $4325.78
Monthly expenses: $3329.18
Housing: $1378.33
Insurance: $155.00
Car expenses: $400
Utilities: $300
Phone, cable, internet: $218.00
Food, entertainment: $500.00
Clothing, household expenses: $100
Credit cards and other loans: $345
Other expenses: $
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
516554
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*:
| 16.50% | | |
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*:
| 12.67% | | |
* 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:
| Oct-1991 |
Debt/Income ratio:
| 44% |
Credit score:
| 680-699 (Jul-2011) |
Inquiries last 6m:
| 2 | Employment status: | Employed |
Now delinquent:
| 1 |
Current / open credit lines:
| 19
/
14 | Length of status: | 10y 3m |
Amount delinquent:
| $157 |
Total credit lines:
| 38 |
Occupation: | Professional |
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $13,587 | Stated income: | $25,000-$49,999 |
Delinquencies in last 7y:
| 1 |
Bankcard utilization:
| 43% | | |
| |
Homeownership:
| Yes | | |
Screen name:
| capital-grasshopper3 |
Borrower's state:
| Mississippi |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Description
rebel1
Purpose of loan: debt consolidation
This loan will be used to...pay off credit cards
My financial situation: I am currently working to pay all of my debt off, and have come very far in doing this within the last few years, and my ultimate goal is to try and be credit card debt free.
I am a good candidate for this loan because...I pay my monthly bills on time, and am working hard on getting out of debt.
Monthly net income: $3,836.34
Monthly expenses: $
Housing: $900.00
Insurance: $303.00
Car expenses: $
Utilities: $80.00
Phone, cable, internet: $75.00
Food, entertainment: $400.00
Clothing, household expenses:
Credit cards and other loans: $1100.00
Other expenses: $400.00
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
516556
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:
| Jun-1995 |
Debt/Income ratio:
| 18% |
Credit score:
| 640-659 (Jul-2011) |
Inquiries last 6m:
| 1 | Employment status: | Employed |
Now delinquent:
| 2 |
Current / open credit lines:
| 11
/
11 | Length of status: | 16y 1m |
Amount delinquent:
| $13,092 |
Total credit lines:
| 30 |
Occupation: | Other |
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $8,745 | Stated income: | $25,000-$49,999 |
Delinquencies in last 7y:
| 3 |
Bankcard utilization:
| 70% | | |
| |
Homeownership:
| Yes | | |
Screen name:
| ore-carrier4 |
Borrower's state:
| NorthCarolina |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Description
Hope to Get Back on My Feet
Purpose of loan:
This loan will be used to... consolidate debt so that I can be in a good position to get out of debt faster. My hope is to pay off bills quickly so that I can eventually work part time and volunteer in my community.
My financial situation: My monthly pay was reduced for awhile due to the declining economy. I now have steady income again and hope to get back on my feet!!!
I am a good candidate for this loan because...I am reliable. I have been with the same company for 16 years. My credit has always been good. The recent economy caused some financials heartache but I don't want to be a victim anymore. Please consider my request.
Monthly net income: $ 2500.00
Monthly expenses: $
Housing: $ 929.00
Insurance: $ 75.00
Car expenses: $ 0
Utilities: $ 35.00
Phone, cable, internet: $ 135.00
Food, entertainment: $ 350.00
Clothing, household expenses: $ 75.00
Credit cards and other loans: $ 120.00
Other expenses: $
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
516564
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount:
| $2,000.00 |
Prosper Rating:
| C |
Listing Duration:
| 14 days
|
Minimum Amount to Fund:
| $2,000 |
Estimated loss*:
| 6.10% | | |
Term:
| 36 months | | | | |
|
Lender yield:
| 17.99% |
Borrower rate/APR:
| 18.99% / 22.36% |
Monthly payment:
| $73.30 |
|
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:
| May-1995 |
Debt/Income ratio:
| 17% |
Credit score:
| 680-699 (Jul-2011) |
Inquiries last 6m:
| 0 | Employment status: | Employed |
Now delinquent:
| 0 |
Current / open credit lines:
| 9
/
9 | Length of status: | 7y 10m |
Amount delinquent:
| $0 |
Total credit lines:
| 48 |
Occupation: | Other |
Public records last 12m / 10y:
| 0/ 1 |
Revolving credit balance:
| $2,368 | Stated income: | $25,000-$49,999 |
Delinquencies in last 7y:
| 1 |
Bankcard utilization:
| 30% | | |
| |
Homeownership:
| No | | |
Screen name:
| trish7601 |
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.
Prosper Activity
Loan history | Payment history | Credit score history |
Active / total loans:
| 0 / 1 |
On-time:
| 12 ( 100% )
| 680-699 (Latest)
|
Principal borrowed:
| $3,200.00 | < 31 days late:
| 0
( 0% )
| 620-639
(Apr-2008)
640-659
(Dec-2007)
|
Principal balance:
| $0.00 |
31+ days late:
| 0
( 0% )
|
Total payments billed:
| 12 | | |
Description
Debt Consolidation
Purpose of loan:
This loan will be used to...consolidate some higher interest rate credit card payments into one.
My financial situation: Spokane Teachers Credit Union
I am a good candidate for this loan because...
I had a previous loan with prosper and repaid on time and in full early. I have taken good care of my credit after hitting a rough spot about 3 years ago and plan on it continuing to become good to excellent credit again.
Monthly net income: $2521.48
Monthly expenses: $300
Housing: $425
Insurance: $100
Car expenses: $391
Utilities: $75
Phone, cable, internet: $100
Food, entertainment: $150
Clothing, household expenses: $150
Credit cards and other loans: $200
Other expenses: $180
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
516594
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:
| E |
Listing Duration:
| 14 days
|
Minimum Amount to Fund:
| $4,200 |
Estimated loss*:
| 14.70% | | |
Term:
| 36 months | | | | |
|
Lender yield:
| 30.99% |
Borrower rate/APR:
| 31.99% / 35.64% |
Monthly payment:
| $261.29 |
|
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:
| Nov-1995 |
Debt/Income ratio:
| 22% |
Credit score:
| 680-699 (Jul-2011) |
Inquiries last 6m:
| 2 | Employment status: | Employed |
Now delinquent:
| 0 |
Current / open credit lines:
| 9
/
7 | Length of status: | 16y 1m |
Amount delinquent:
| $0 |
Total credit lines:
| 23 |
Occupation: | Professional |
Public records last 12m / 10y:
| 1/ 2 |
Revolving credit balance:
| $8,899 | Stated income: | $50,000-$74,999 |
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 95% | | |
| |
Homeownership:
| Yes | | |
Screen name:
| return-goat4 |
Borrower's state:
| Connecticut |
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...
My financial situation:
I am a good candidate for this loan because...I have always been financial responsible. However, due to a recent separate in 2009 my ex-husband left me with several outstanding bills and he was cleared after he file bankrupcy. To maintain a good credit rating I have for the past two years have been trying to maintain the mortgage, car note and other living expenses independently. In the interim, the extra cash needed is to pay off two of my debts, originally wanting to take care them all to lower my Debt-to-Income numbers and put me in a better FICO number to eventually refinance with a lower APR.
Monthly net income: $5,645.00
Monthly expenses: $3200.00
Housing: $1812.00 /Mo
Insurance: $76/Mo
Car expenses: $35
Utilities: $80
Phone, cable, internet: $65
Food, entertainment: $
Clothing, household expenses: $
Credit cards and other loans: $
Other expenses: $
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
516606
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:
| D |
Listing Duration:
| 14 days
|
Minimum Amount to Fund:
| $7,350 |
Estimated loss*:
| 11.20% | | |
Term:
| 60 months | | | | |
|
Lender yield:
| 29.49% |
Borrower rate/APR:
| 30.49% / 32.96% |
Monthly payment:
| $342.88 |
|
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):
| 7 |
First credit line:
| Nov-1995 |
Debt/Income ratio:
| 47% |
Credit score:
| 780-799 (Jun-2011) |
Inquiries last 6m:
| 0 | Employment status: | Employed |
Now delinquent:
| 0 |
Current / open credit lines:
| 17
/
15 | Length of status: | 15y 11m |
Amount delinquent:
| $0 |
Total credit lines:
| 30 |
Occupation: | Sales - Retail |
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $34,290 | Stated income: | $50,000-$74,999 |
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 67% | | |
| |
Homeownership:
| Yes | | |
Screen name:
| durability-empire7 |
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
My loan for debt consolidation
Purpose of loan: Debt Consolidation
This loan will be used to: Pay off some credit card debt with high interest rates due to all the bank changes In the last year or two.
Personal: I have been a Sales Manager for a Beverage Company in Texas for the last 16 years. I have 2 wonderfull Daughters and have been married for 15 years. I enjoy Duck Hunting as well as a game of Golf every once in a while.
Financial: This is my first loan with Prosper and am looking forward to building credit whithin this lending team. I have a very good payment history and a very good credit history. I would rather pay interest to a team of investores than a bank. They get enough of my money already.
My wife is a Chemist and makes $40,000 a year as well.
Thanks In Advance!
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
516614
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):
| 5 |
First credit line:
| Apr-1996 |
Debt/Income ratio:
| 52% |
Credit score:
| 720-739 (Jul-2011) |
Inquiries last 6m:
| 0 | Employment status: | Employed |
Now delinquent:
| 0 |
Current / open credit lines:
| 10
/
10 | Length of status: | 2y 4m |
Amount delinquent:
| $0 |
Total credit lines:
| 33 |
Occupation: | Military Enlisted |
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $11,849 | Stated income: | $25,000-$49,999 |
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 85% | | |
| |
Homeownership:
| No | | |
Screen name:
| return-force |
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.
Prosper Activity
Loan history | Payment history | Credit score history |
Active / total loans:
| 0 / 1 |
On-time:
| 20 ( 100% )
| 720-739 (Latest)
|
Principal borrowed:
| $7,000.00 | < 31 days late:
| 0
( 0% )
| 700-719
(Sep-2008)
|
Principal balance:
| $0.00 |
31+ days late:
| 0
( 0% )
|
Total payments billed:
| 20 | | |
Description
Debt consolidation
Purpose of loan:
This loan will be used to... To pay off a higher interest loan
My financial situation:
I am a good candidate for this loan because... I always pay my bills on time. i have previously had a loan through prosper and was in good standings, even paid off a few months early.
Monthly net income: $8600.00
Monthly expenses: $5052.00
Housing: $1129.00
Insurance: $323.00
Car expenses: $568.
Utilities: $450.00
Phone, cable, internet: $98.
Food, entertainment: $400.00
Clothing, household expenses: $200.
Credit cards and other loans: $984.
Other expenses: $900.
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
516638
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount:
| $10,000.00 |
Prosper Rating:
| B |
Listing Duration:
| 14 days
|
Minimum Amount to Fund:
| $7,000 |
Estimated loss*:
| 5.95% | | |
Term:
| 60 months | | | | |
|
Lender yield:
| 17.99% |
Borrower rate/APR:
| 18.99% / 20.44% |
Monthly payment:
| $259.35 |
|
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:
| Mar-2005 |
Debt/Income ratio:
| 15% |
Credit score:
| 680-699 (Jul-2011) |
Inquiries last 6m:
| 1 | Employment status: | Employed |
Now delinquent:
| 1 |
Current / open credit lines:
| 4
/
4 | Length of status: | 3y 5m |
Amount delinquent:
| $68 |
Total credit lines:
| 8 |
Occupation: | Realtor |
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $143 | Stated income: | $50,000-$74,999 |
Delinquencies in last 7y:
| 2 |
Bankcard utilization:
| 5% | | |
| |
Homeownership:
| No | | |
Screen name:
| responsibility-bell6 |
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
Tuck
Purpose of loan: Home improvments
This loan will be used to...Re furnish home and wood floors.
My financial situation: Same employer for the last three years
I am a good candidate for this loan because...My debt to income ratio is low.
Monthly net income: $5,000
Monthly expenses: $2,400
Housing: $750
Insurance: $150
Car expenses: $500
Utilities: $120
Phone, cable, internet: $130
Food, entertainment: $300
Clothing, household expenses: $150
Credit cards and other loans: $300
Other expenses: $
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
516644
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):
| 6 |
First credit line:
| Sep-1997 |
Debt/Income ratio:
| 31% |
Credit score:
| 720-739 (Jul-2011) |
Inquiries last 6m:
| 0 | Employment status: | Employed |
Now delinquent:
| 0 |
Current / open credit lines:
| 11
/
9 | Length of status: | 12y 7m |
Amount delinquent:
| $0 |
Total credit lines:
| 14 |
Occupation: | Teacher |
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $27,819 | Stated income: | $75,000-$99,999 |
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 92% | | |
| |
Homeownership:
| Yes | | |
Screen name:
| bonus-crescendo5 |
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
34pautz1
Purpose of loan: Home improvement and school supplies
This loan will be used to...
My financial situation:
I am a good candidate for this loan because... I am very responsible financially, and this funding would help a great deal. We did not receive summer school this year ( budget cuts), so extra funds for home improvement aren't available.
Monthly net income: $ Including tutoring during the year/ appr. 6012.00
Monthly expenses: $ 0
Housing: $ mortgage/2452.00
Insurance: $
Car expenses: $gas only/200.00
Utilities: $ 130.00
Phone, cable, internet: $ 150.00
Food, entertainment: $ varies
Clothing, household expenses: $
Credit cards and other loans: $ 1900.00
Other expenses: $
Information in the Description is not verified.