Listing Report:Supplement No. 85 dated Sep 01, 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
501397
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
|
| |
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):
| 4 |
First credit line:
| Sep-1999 |
Debt/Income ratio:
| 50% |
|
Credit score:
| 700-719 (Sep-2011) |
Inquiries last 6m:
| 1 | Employment status: | Employed |
|
Now delinquent:
| 1 |
Current / open credit lines:
| 11
/
9 | Length of status: | 7y 6m |
|
Amount delinquent:
| $418 |
Total credit lines:
| 60 |
Occupation: | Biologist |
|
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $12,255 | Stated income: | $50,000-$74,999 |
|
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 82% | | |
| | |
Homeownership:
| Yes | | |
|
Screen name:
| penny-dreams942 |
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
Starting a business
Purpose of loan: Business
This loan will be used to...Start a tire business in a town with a recent oil boom and no tire service within a 20 mile radius
My financial situation: two income household,
I am a good candidate for this loan because...I always pay my bills on time and wouldn't ask for a loan that I couldn't afford to repay. My husband has 6 years experience as a manager at a tire store and knows the ins and outs of running the business. This will be successful, we just need a little bit of money to get started. We will be investing $3000 of our own money.
Monthly net income: $ 3160(mine) 2500 (husband)
Monthly expenses: $
Housing: $600
Insurance: $ 130
Car expenses: $1300
Utilities: $300
Phone, cable, internet: $120
Food, entertainment: $100
Clothing, household expenses: $
Credit cards and other loans: $200
Other expenses: $
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
517383
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
|
Amount:
| $3,000.00 |
Prosper Rating:
| HR |
Listing Duration:
| 14 days
|
| |
Estimated loss*:
| 17.00% | | |
|
Term:
| 36 months | | | | |
|
|
Lender yield:
| 30.25% |
Borrower rate/APR:
| 31.25% / 34.89% |
Monthly payment:
| $129.42 |
| |
|
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):
| 2 |
First credit line:
| Oct-1997 |
Debt/Income ratio:
| Self-employed (DTI Not Calculated) |
|
Credit score:
| 620-639 (Aug-2011) |
Inquiries last 6m:
| 0 | Employment status: | Self-employed |
|
Now delinquent:
| 0 |
Current / open credit lines:
| 8
/
8 | Length of status: | 4y 10m |
|
Amount delinquent:
| $0 |
Total credit lines:
| 20 |
Occupation: | Other |
|
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $3,408 | Stated income: | $25,000-$49,999 |
|
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 90% | | |
| | |
Homeownership:
| No | | |
|
Screen name:
| sarbare78 |
Borrower's state:
| Colorado |
Borrower's group:
| 1st and BEST for 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:
| 46 ( 100% )
| 620-639 (Latest)
|
|
Principal borrowed:
| $6,100.00 | < 31 days late:
| 0
( 0% )
| 640-659
(Aug-2010)
640-659
(Dec-2007)
|
|
Principal balance:
| $1,968.72 |
31+ days late:
| 0
( 0% )
|
|
Total payments billed:
| 46 | | |
Description
Auto Repair
Purpose of loan:
I had to take my vehicle in because the tranny was acting up Well they had to rebuild the tranny, also needed a new torque converter, and speed sensor. Went to pay and found out someone wipe out my accts. (over internet) Said it could take up to 30 days. Luckily we had another account but we don't use it. I would prefer to give my money to other hard working people than to a corporation. Also my credit dropped a little due to this fraud. I have put a fraud alert on my credit and taking care of getting the things off , but it?s a process. As you can see I have always paid on time on my loans and usually pay more. Couldn't go into much detail any ? Ask. If anyone can help I thank you in advance.
Monthly income: $ 1500 (does not include husbands $2800)
Housing: $ 900.00
INS: $ 104.00
Car exp: $ 212.44
Utilities: $ 150
Cable, internet: $ 86.74
Food, entertainment: $ 200
Household exp $ 150
Credit cards & loans: $ 200
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
523963
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
|
Amount:
| $12,000.00 |
Prosper Rating:
| A |
Listing Duration:
| 14 days
|
| |
Estimated loss*:
| 3.80% | | |
|
Term:
| 60 months | | | | |
|
|
Lender yield:
| 13.90% |
Borrower rate/APR:
| 14.90% / 16.29% |
Monthly payment:
| $284.85 |
| |
|
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:
| Feb-1986 |
Debt/Income ratio:
| 14% |
|
Credit score:
| 720-739 (Aug-2011) |
Inquiries last 6m:
| 2 | Employment status: | Employed |
|
Now delinquent:
| 2 |
Current / open credit lines:
| 18
/
16 | Length of status: | 26y 9m |
|
Amount delinquent:
| $10,015 |
Total credit lines:
| 33 |
Occupation: | Police Officer/Corr... |
|
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $10,242 | Stated income: | $50,000-$74,999 |
|
Delinquencies in last 7y:
| 2 |
Bankcard utilization:
| 26% | | |
| | |
Homeownership:
| Yes | | |
|
Screen name:
| cozy-value5 |
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
WAYNE CO.EMPLOYEE
Purpose of loan:
This loan will be used to...CONSOLIDATE CREDIT CARD PAYMENTS @ A LOWER RATE AND PAYOFF AND CLOSE LOANS.
My financial situation:
I am a good candidate for this loan because...I HAVE BEEN A POLICE OFFICER WITH WAYNE COUNTY SINCE 1984 AND I AM AT TOP PAY. I AM IN THE PROCESS OF PAYING OFF MY HOUSE WITH MY MONTHLY NOTE. I DO NOT HAVE A CAR NOTE. I OWE NO TAXES OR LEINS. I HAVE A GOOD WORK ETHIC.
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
524887
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
|
Amount:
| $2,500.00 |
Prosper Rating:
| E |
Listing Duration:
| 14 days
|
| |
Estimated loss*:
| 13.00% | | |
|
Term:
| 36 months | | | | |
|
|
Lender yield:
| 29.99% |
Borrower rate/APR:
| 30.99% / 34.62% |
Monthly payment:
| $107.49 |
| |
|
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):
| 6 |
First credit line:
| Aug-1999 |
Debt/Income ratio:
| 18% |
|
Credit score:
| 600-619 (Sep-2011) |
Inquiries last 6m:
| 1 | Employment status: | Employed |
|
Now delinquent:
| 0 |
Current / open credit lines:
| 11
/
11 | Length of status: | 12y 2m |
|
Amount delinquent:
| $0 |
Total credit lines:
| 24 |
Occupation: | Other |
|
Public records last 12m / 10y:
| 0/ 2 |
Revolving credit balance:
| $14,967 | Stated income: | $50,000-$74,999 |
|
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 89% | | |
| | |
Homeownership:
| No | | |
|
Screen name:
| rusty4321 |
Borrower's state:
| Massachusetts |
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:
| 24 ( 100% )
| 600-619 (Latest)
|
|
Principal borrowed:
| $3,295.00 | < 31 days late:
| 0
( 0% )
| 600-619
(Jul-2009)
560-579
(Aug-2008)
|
|
Principal balance:
| $607.12 |
31+ days late:
| 0
( 0% )
|
|
Total payments billed:
| 24 | | |
Description
My personal loan
Purpose of loan:
This loan will be used to...
Pay off medical deduction for parathyroid surgery
My financial situation:
I am a good candidate for this loan because...
I have a solid work history...12 years at current company and 17 years at previous company.
Monthly net income: $3200
Monthly expenses: $2800
Housing: $1200
Insurance: $100
Car expenses: $500
Utilities: $150
Phone, cable, internet: $150
Food, entertainment: $200
Clothing, household expenses: $100
Credit cards and other loans: $300
Other expenses: $100
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
524905
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:
| D |
Listing Duration:
| 14 days
|
| |
Estimated loss*:
| 11.20% | | |
|
Term:
| 36 months | | | | |
|
|
Lender yield:
| 25.99% |
Borrower rate/APR:
| 26.99% / 30.53% |
Monthly payment:
| $387.79 |
| |
|
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):
| 5 |
First credit line:
| Oct-1993 |
Debt/Income ratio:
| Self-employed (DTI Not Calculated) |
|
Credit score:
| 800-819 (Sep-2011) |
Inquiries last 6m:
| 0 | Employment status: | Self-employed |
|
Now delinquent:
| 0 |
Current / open credit lines:
| 6
/
6 | Length of status: | 17y 8m |
|
Amount delinquent:
| $0 |
Total credit lines:
| 24 |
Occupation: | Other |
|
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $212,251 | Stated income: | $100,000+ |
|
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 64% | | |
| | |
Homeownership:
| Yes | | |
|
Screen name:
| LoanMark |
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
Be Gone Credit Card Interest.
I would like to pay two cards off - instead of chasing interest like a headless chicken. I own my home and have for 5+ years. I owned two homes prior to this one - never once missed any kind of payment.
I'm currently paying a lot more in credit card interest versus what I would be with a Prosper loan so paying lenders back is not an issue.
I have loaned many times on Prosper so I understand how it works and how frustrating it can be to see a loan go bad. I'd say you don't have anything to worry about - but that surely sounds heavy-handed - promises, promises. All I can say is I'm a decent guy (I mean I think I am, Monday morning jogs excluded), I have a couple of kids, a shaggy dog, good friends, and I'm not a gambler or meth addict. But I will admit to eating too much ice cream late at night. I guess that's what the running shoes are for.
Thanks for reading.
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
524935
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:
| A |
Listing Duration:
| 14 days
|
| |
Estimated loss*:
| 3.80% | | |
|
Term:
| 36 months | | | | |
|
|
Lender yield:
| 12.90% |
Borrower rate/APR:
| 13.90% / 16.06% |
Monthly payment:
| $170.65 |
| |
|
Lender servicing fee:
| 1.00% |
Effective Yield*:
| 12.85% | | |
| |
Estimated return*:
| 9.05% | | |
* 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:
| Jul-1989 |
Debt/Income ratio:
| 6% |
|
Credit score:
| 740-759 (Sep-2011) |
Inquiries last 6m:
| 1 | Employment status: | Employed |
|
Now delinquent:
| 0 |
Current / open credit lines:
| 2
/
2 | Length of status: | 6y 7m |
|
Amount delinquent:
| $0 |
Total credit lines:
| 9 |
Occupation: | Professional |
|
Public records last 12m / 10y:
| 0/ 1 |
Revolving credit balance:
| $40 | Stated income: | $25,000-$49,999 |
|
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 8% | | |
| | |
Homeownership:
| No | | |
|
Screen name:
| new-social-cosmos |
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
Private Party Auto Loan
Purpose of loan:
This loan will be used to...Purchase a private party car Chrysler Crossfire. I'm putting 50% down and wanting to finance the rest. Car has a clean car fax report loe mielage 48000 and was recently sold from CarMax.
My financial situation:
I am a good candidate for this loan because...I have been employed over 5 years at the same company and recently promoted. I have no debt only utilities and a good debt to income ratio. I make approximately 38500 with more in bonuses. I currently pay only $525 in rent and have lived at the same residence for over 5 years.
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
524947
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
|
| |
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:
| Apr-2001 |
Debt/Income ratio:
| 21% |
|
Credit score:
| 720-739 (Sep-2011) |
Inquiries last 6m:
| 0 | Employment status: | Employed |
|
Now delinquent:
| 0 |
Current / open credit lines:
| 9
/
9 | Length of status: | 6y 8m |
|
Amount delinquent:
| $0 |
Total credit lines:
| 19 |
Occupation: | Computer Programmer |
|
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $41,268 | Stated income: | $50,000-$74,999 |
|
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 78% | | |
| | |
Homeownership:
| Yes | | |
|
Screen name:
| BankofBadHabits |
Borrower's state:
| Florida |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
| Loan history | Payment history | Credit score history |
|
Active / total loans:
| 0 / 3 |
On-time:
| 43 ( 98% )
| 720-739 (Latest)
|
|
Principal borrowed:
| $34,900.00 | < 31 days late:
| 1
( 2% )
| 740-759
(Jun-2010)
760-779
(Sep-2007)
740-759
(May-2007)
|
|
Principal balance:
| $0.75 |
31+ days late:
| 0
( 0% )
|
|
Total payments billed:
| 44 | | |
Description
4th Prosper Loan - Never Late
The purpose of this loan is to help fund my advertising costs for a daily deals website (CentralFloridaDailyDeals.com). If you are familiar with group buying websites like Groupon or Living Social, then you know how successful they are. I will be using this loan to cover advertising costs.
I have a stable job which I have been at for the last 6 ? years now and 20 years in my profession. I have had a $7,000 loan, a $20,000, and a $7,900 loan funded by Prosper lenders in the past and take pride in the fact that I have never been late on any of them. Here is my monthly budget with the new loan:
My Monthly net income is $6,000 before taxes (not including my wife's income)
Monthly expenses (with this new loan):
This Prosper Loan: Approx. $ 350
Housing: $ 1750
Insurance: $ 60
Car expenses: $ 300 (Fuel) - No Car Payment
Utilities: $ 250
Phone, cable, internet: $ 200
Credit cards and loans: $ 250
Other living & entertainment expenses: $ 250
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
524969
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
|
| |
Estimated loss*:
| 17.00% | | |
|
Term:
| 36 months | | | | |
|
|
Lender yield:
| 30.25% |
Borrower rate/APR:
| 31.25% / 34.89% |
Monthly payment:
| $172.56 |
| |
|
Lender servicing fee:
| 1.00% |
Effective Yield*:
| 28.48% | | |
| |
Estimated return*:
| 11.48% | | |
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
|
Prosper score (1-10):
| 2 |
First credit line:
| Jun-2001 |
Debt/Income ratio:
| 42% |
|
Credit score:
| 600-619 (Sep-2011) |
Inquiries last 6m:
| 2 | Employment status: | Employed |
|
Now delinquent:
| 0 |
Current / open credit lines:
| 19
/
17 | Length of status: | 0y 7m |
|
Amount delinquent:
| $0 |
Total credit lines:
| 31 |
Occupation: | Accountant/CPA |
|
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $23,280 | Stated income: | $50,000-$74,999 |
|
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 76% | | |
| | |
Homeownership:
| No | | |
|
Screen name:
| loot-chosen-one |
Borrower's state:
| Pennsylvania |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
| Loan history | Payment history | Credit score history |
|
Active / total loans:
| 1 / 2 |
On-time:
| 48 ( 98% )
| 600-619 (Latest)
|
|
Principal borrowed:
| $9,500.00 | < 31 days late:
| 1
( 2% )
| 700-719
(May-2010)
620-639
(Aug-2008)
|
|
Principal balance:
| $1,286.86 |
31+ days late:
| 0
( 0% )
|
|
Total payments billed:
| 49 | | |
Description
Refinance Credit Card for Lower APR
Purpose of loan:
Get a lower APR for an outstanding credit card balance.
My financial situation:
My credit utilization is high, but approx half of my balances ($11k) are at 0% rates right now. I have already successfully paid off a Prosper loan and I have been current on all my obligations. My only late 30 day late payment for my Prosper loan was in February of this year when I moved & changed jobs.
Monthly net income: $3400
Housing: $0
Insurance: $98
Car expenses: $430
Utilities: $0
Phone, cable, internet: $0
Food, entertainment: $300
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
524975
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
|
| |
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):
| 3 |
First credit line:
| Apr-2000 |
Debt/Income ratio:
| 28% |
|
Credit score:
| 720-739 (Sep-2011) |
Inquiries last 6m:
| 2 | Employment status: | Employed |
|
Now delinquent:
| 0 |
Current / open credit lines:
| 8
/
7 | Length of status: | 2y 9m |
|
Amount delinquent:
| $0 |
Total credit lines:
| 10 |
Occupation: | Social Worker |
|
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $600 | Stated income: | $25,000-$49,999 |
|
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 12% | | |
| | |
Homeownership:
| Yes | | |
|
Screen name:
| wise-fascinating-rupee |
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
Consalidate Debt
No description was provided by the borrower.
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
525001
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
|
| |
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):
| 7 |
First credit line:
| Sep-2008 |
Debt/Income ratio:
| 8% |
|
Credit score:
| 700-719 (Sep-2011) |
Inquiries last 6m:
| 2 | Employment status: | Employed |
|
Now delinquent:
| 0 |
Current / open credit lines:
| 1
/
1 | Length of status: | 6y 8m |
|
Amount delinquent:
| $0 |
Total credit lines:
| 2 |
Occupation: | Laborer |
|
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $437 | Stated income: | $50,000-$74,999 |
|
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 43% | | |
| | |
Homeownership:
| No | | |
|
Screen name:
| duty-superstar3 |
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
Personal medical/dental loan
Purpose of loan:
This loan will be used to pay off my personal loan and used for my medical dental expenses.
My financial situation:
I am a good candidate for this loan because my payments are always on time. I have recently purchased a property. My mortgage payment is $1400 with taxes and insurance included in the payment. This is a 2 unit property so I am receining a $1450 rental income for one of the units which 5 bedroom. I live beasically live rent free in the one 3 bedroom unit.
As I stated above, with the purchase of my property I have occured expenses that temporarly drained my savings account and other medical/dental expenses occured.
Your loan is guarnateed to be paid on time as all of my bills at any point in time. There is no risk, please feel free to ask questions.
At the same time I am looking for a decent rate on this loan.
Thank You in advance!
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
525059
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
|
| |
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):
| 6 |
First credit line:
| Feb-1997 |
Debt/Income ratio:
| 11% |
|
Credit score:
| 660-679 (Sep-2011) |
Inquiries last 6m:
| 1 | Employment status: | Employed |
|
Now delinquent:
| 0 |
Current / open credit lines:
| 11
/
10 | Length of status: | 22y 9m |
|
Amount delinquent:
| $0 |
Total credit lines:
| 16 |
Occupation: | Other |
|
Public records last 12m / 10y:
| 0/ 2 |
Revolving credit balance:
| $7,046 | Stated income: | $75,000-$99,999 |
|
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 99% | | |
| | |
Homeownership:
| Yes | | |
|
Screen name:
| diligent-payment1 |
Borrower's state:
| Ohio |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Description
Achieving Life Balance
Purpose of loan: Debt Consolidation
This loan will be used to...Consolidate my debt
My financial situation: Stable regarding my employment (Physician Assistant, working at a hospital for past 23 years). I have low DTI ratio and have disposable income with potential for income growth soon.
I am a good candidate for this loan because...I pay my bills on time and trying to sell my existing condominium to purchase another home.
Monthly net income: $ 4600 (not including consulting work, which will bring in extra $500-1500/month)
Monthly expenses: $ 3210 (as below)
Housing: $ 950.00
Insurance: $ 60.00
Car expenses: $ 200
Utilities: $ 200.00
Phone, cable, internet: $ 300.00
Food, entertainment: $ 300.00
Clothing, household expenses: $ 300.00
Credit cards and other loans: $ 600.00 (includes student loans and CC's I would be consolidating and then not using after consolidated)
Other expenses: $ Approximately 300
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
525249
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
|
Amount:
| $12,000.00 |
Prosper Rating:
| B |
Listing Duration:
| 14 days
|
| |
Estimated loss*:
| 5.95% | | |
|
Term:
| 60 months | | | | |
|
|
Lender yield:
| 17.99% |
Borrower rate/APR:
| 18.99% / 20.44% |
Monthly payment:
| $311.22 |
| |
|
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):
| 9 |
First credit line:
| Jun-1996 |
Debt/Income ratio:
| 14% |
|
Credit score:
| 700-719 (Sep-2011) |
Inquiries last 6m:
| 0 | Employment status: | Employed |
|
Now delinquent:
| 0 |
Current / open credit lines:
| 4
/
4 | Length of status: | 19y 2m |
|
Amount delinquent:
| $0 |
Total credit lines:
| 30 |
Occupation: | Nurse (RN) |
|
Public records last 12m / 10y:
| 0/ 1 |
Revolving credit balance:
| $1,074 | Stated income: | $50,000-$74,999 |
|
Delinquencies in last 7y:
| 4 |
Bankcard utilization:
| 48% | | |
| | |
Homeownership:
| Yes | | |
|
Screen name:
| hickory70 |
Borrower's state:
| Kansas |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Description
Seeking $12,000
Purpose of loan:
This loan will be used for repairs on my rental property.
My financial situation:
I am a good candidate for this loan because I have ample monthly income and have had the same employer for almost 20 years.
Monthly net income: $4,500
Monthly expenses: $1,400
Housing: $500
Insurance: $150
Car expenses: $150
Utilities: $100
Phone, cable, internet: $75
Food, entertainment: $150
Clothing, household expenses: $100
Credit cards and other loans: $350
Other expenses: $
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
525279
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
|
Amount:
| $4,500.00 |
Prosper Rating:
| B |
Listing Duration:
| 14 days
|
| |
Estimated loss*:
| 5.95% | | |
|
Term:
| 36 months | | | | |
|
|
Lender yield:
| 16.99% |
Borrower rate/APR:
| 17.99% / 20.20% |
Monthly payment:
| $162.66 |
| |
|
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:
| Nov-1991 |
Debt/Income ratio:
| 20% |
|
Credit score:
| 760-779 (Sep-2011) |
Inquiries last 6m:
| 0 | Employment status: | Employed |
|
Now delinquent:
| 0 |
Current / open credit lines:
| 15
/
15 | Length of status: | 14y 11m |
|
Amount delinquent:
| $0 |
Total credit lines:
| 32 |
Occupation: | Other |
|
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $17,958 | Stated income: | $25,000-$49,999 |
|
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 16% | | |
| | |
Homeownership:
| No | | |
|
Screen name:
| transaction-mate3 |
Borrower's state:
| Minnesota |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Description
Mickie
Purpose of loan:
This loan will be used to...Support Expansion of my Internet Sales Company which is a Second Source of income.
My financial situation:
I am a good candidate for this loan because...I have 30+ plus years of Work Experience & 20+ plus years as Head of Household.
Monthly net income: $3,500
Monthly expenses: $2,785
Housing: $625
Insurance: $165
Car expenses: $215
Utilities: $145
Phone, cable, internet: $185
Food, entertainment: $400
Clothing, household expenses: $350
Credit cards and other loans: $500
Other expenses: $200
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
506496
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
|
| |
Estimated loss*:
| 10.00% | | |
|
Term:
| 36 months | | | | |
|
|
Lender yield:
| 22.99% |
Borrower rate/APR:
| 23.99% / 27.47% |
Monthly payment:
| $156.91 |
| |
|
Lender servicing fee:
| 1.00% |
Effective Yield*:
| 22.43% | | |
| |
Estimated return*:
| 12.43% | | |
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
|
Prosper score (1-10):
| 5 |
First credit line:
| Apr-1995 |
Debt/Income ratio:
| 10% |
|
Credit score:
| 700-719 (Sep-2011) |
Inquiries last 6m:
| 2 | Employment status: | Employed |
|
Now delinquent:
| 2 |
Current / open credit lines:
| 6
/
7 | Length of status: | 11y 3m |
|
Amount delinquent:
| $15,736 |
Total credit lines:
| 22 |
Occupation: | Other |
|
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $591 | Stated income: | $25,000-$49,999 |
|
Delinquencies in last 7y:
| 16 |
Bankcard utilization:
| 42% | | |
| | |
Homeownership:
| Yes | | |
|
Screen name:
| sschevysjs |
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:
| 20 ( 100% )
| 700-719 (Latest)
|
|
Principal borrowed:
| $5,000.00 | < 31 days late:
| 0
( 0% )
| 780-799
(Dec-2009)
|
|
Principal balance:
| $2,413.26 |
31+ days late:
| 0
( 0% )
|
|
Total payments billed:
| 20 | | |
Description
My loan for an auto purchase
Purpose of loan: To perform auto repairs on vehicle.
My financial situation:
I am a good candidate for this loan because... I pay my loan on time. I have not missed a payment with my existing loan with Prosper.
Monthly net income: $4,160
Monthly expenses: $200
Housing: $1,100.00
Insurance: $200
Car expenses: $0
Utilities: $150.00
Phone, cable, internet: $100.00
Food, entertainment: $100.00
Clothing, household expenses: $200
Credit cards and other loans: $160.00
Other expenses: $0
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
508752
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:
| C |
Listing Duration:
| 14 days
|
| |
Estimated loss*:
| 6.10% | | |
|
Term:
| 36 months | | | | |
|
|
Lender yield:
| 17.99% |
Borrower rate/APR:
| 18.99% / 22.36% |
Monthly payment:
| $183.25 |
| |
|
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):
| 8 |
First credit line:
| Jan-1994 |
Debt/Income ratio:
| 10% |
|
Credit score:
| 620-639 (Aug-2011) |
Inquiries last 6m:
| 0 | Employment status: | Employed |
|
Now delinquent:
| 6 |
Current / open credit lines:
| 5
/
6 | Length of status: | 10y 6m |
|
Amount delinquent:
| $4,125 |
Total credit lines:
| 34 |
Occupation: | Engineer - Mechanic... |
|
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $1,514 | Stated income: | $75,000-$99,999 |
|
Delinquencies in last 7y:
| 55 |
Bankcard utilization:
| 4% | | |
| | |
Homeownership:
| Yes | | |
|
Screen name:
| BOOYEAH |
Borrower's state:
| Michigan |
Borrower's group:
| Have Money - Will Bid |
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:
| 32 ( 91% )
| 620-639 (Latest)
|
|
Principal borrowed:
| $5,000.00 | < 31 days late:
| 3
( 9% )
| 600-619
(Mar-2008)
620-639
(Aug-2007)
|
|
Principal balance:
| $0.11 |
31+ days late:
| 0
( 0% )
|
|
Total payments billed:
| 35 | | |
Description
High Interest CC Debt Consolidation
Purpose of loan:
This loan will be used to pay off two high interest credit card debt, as follows:
...Bank of America - $1,490 (14% APR)
...Target VISA - $3,700 (18% APR)
My financial situation:
I am a good candidate for this loan because I have already completed one Prosper loan and this will complete my debt consolidation on my way to financial freedom. I had an excellent payback history on that loan without issue.
I will then refinance my home loan to a lower rate and shorter term.
Monthly net income: $4800
Monthly expenses: $4000
Housing: $1200
Insurance: $150
Car expenses: $450
Utilities: $150
Phone, cable, internet: $90
Food, entertainment: $350
Clothing, household expenses: $150
Credit cards and other loans: $518
Other expenses: $200
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
524752
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:
| A |
Listing Duration:
| 14 days
|
| |
Estimated loss*:
| 3.80% | | |
|
Term:
| 60 months | | | | |
|
|
Lender yield:
| 13.90% |
Borrower rate/APR:
| 14.90% / 16.29% |
Monthly payment:
| $261.11 |
| |
|
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):
| 8 |
First credit line:
| Nov-1996 |
Debt/Income ratio:
| 6% |
|
Credit score:
| 840-859 (Aug-2011) |
Inquiries last 6m:
| 2 | Employment status: | Employed |
|
Now delinquent:
| 0 |
Current / open credit lines:
| 6
/
6 | Length of status: | 12y 1m |
|
Amount delinquent:
| $0 |
Total credit lines:
| 15 |
Occupation: | Postal Service |
|
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $462 | Stated income: | $50,000-$74,999 |
|
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 4% | | |
| | |
Homeownership:
| Yes | | |
|
Screen name:
| trumpet74 |
Borrower's state:
| California |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Description
Home Improvement
Purpose of loan:
Thank you very much for all your help. This loan can do tremendous things for our home. I have been a hardworking and stable worker for the USPS for over 13 years now and with the generous compensation package they have awarded me I am fully capable of repaying the loan. Thanks again for all your help the house (fence, bathrooms, bedrooms) should be looking great in no time...
My financial situation:
I am a good candidate for this loan because of my solid work history and financial stability with my employer, the USPS. I have continued to make 57,000+ a year which will allow my to very comfortably issue repayment.
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
524762
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
|
Amount:
| $7,500.00 |
Prosper Rating:
| D |
Listing Duration:
| 14 days
|
| |
Estimated loss*:
| 11.20% | | |
|
Term:
| 36 months | | | | |
|
|
Lender yield:
| 25.99% |
Borrower rate/APR:
| 26.99% / 30.53% |
Monthly payment:
| $306.15 |
| |
|
Lender servicing fee:
| 1.00% |
Effective Yield*:
| 25.34% | | |
| |
Estimated return*:
| 14.14% | | |
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
|
Prosper score (1-10):
| 6 |
First credit line:
| Sep-1993 |
Debt/Income ratio:
| 18% |
|
Credit score:
| 700-719 (Aug-2011) |
Inquiries last 6m:
| 0 | Employment status: | Employed |
|
Now delinquent:
| 0 |
Current / open credit lines:
| 6
/
6 | Length of status: | 3y 9m |
|
Amount delinquent:
| $0 |
Total credit lines:
| 34 |
Occupation: | Other |
|
Public records last 12m / 10y:
| 0/ 1 |
Revolving credit balance:
| $3,700 | Stated income: | $75,000-$99,999 |
|
Delinquencies in last 7y:
| 16 |
Bankcard utilization:
| 105% | | |
| | |
Homeownership:
| Yes | | |
|
Screen name:
| green-restless-deal |
Borrower's state:
| Indiana |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Description
Debt Consolidation Need Help
Purpose of loan:
This loan will be used to pay off current Credit Card Debts and reclaim my 700 credit score
My financial situation:
I am a good Candidate for this loan because I have a great household income and always pay my debts.
My current situation:
Built a new home and moved in November of 2010.
Jan 2011 my wife lost her job. Maxed out credit and sold a few things to get by. In April my wife found a job. In May my father passed away without life insurance. Tapped into my 401k and a personal loan for funeral costs. I would like to pay off the 7500 in credit card debts my wife and I have accumulated.
Thank you in advance for your consideration with my loan.
Monthly net income: $4300
Monthly expenses about: $3650
Housing: $1400
Insurance: $100
Car expenses: $631
Utilities: $300
Phone, cable, internet: $100
Food, entertainment: $600
Clothing, household expenses: $200
Credit cards and other loans: $300
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
524914
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:
| A |
Listing Duration:
| 14 days
|
| |
Estimated loss*:
| 2.60% | | |
|
Term:
| 36 months | | | | |
|
|
Lender yield:
| 9.29% |
Borrower rate/APR:
| 10.29% / 12.40% |
Monthly payment:
| $64.81 |
| |
|
Lender servicing fee:
| 1.00% |
Effective Yield*:
| 9.26% | | |
| |
Estimated return*:
| 6.66% | | |
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
|
Prosper score (1-10):
| 9 |
First credit line:
| Jul-1994 |
Debt/Income ratio:
| 8% |
|
Credit score:
| 740-759 (Sep-2011) |
Inquiries last 6m:
| 0 | Employment status: | Employed |
|
Now delinquent:
| 0 |
Current / open credit lines:
| 5
/
5 | Length of status: | 6y 4m |
|
Amount delinquent:
| $0 |
Total credit lines:
| 28 |
Occupation: | Accountant/CPA |
|
Public records last 12m / 10y:
| 0/ 1 |
Revolving credit balance:
| $0 | Stated income: | $50,000-$74,999 |
|
Delinquencies in last 7y:
| 4 |
Bankcard utilization:
| 0% | | |
| | |
Homeownership:
| No | | |
|
Screen name:
| SAG |
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 / 2 |
On-time:
| 15 ( 100% )
| 740-759 (Latest)
|
|
Principal borrowed:
| $2,000.00 | < 31 days late:
| 0
( 0% )
|
(Aug-2010)
760-779
(Jun-2008)
|
|
Principal balance:
| $0.00 |
31+ days late:
| 0
( 0% )
|
|
Total payments billed:
| 15 | | |
Description
Home Improvement Loan
Purpose of loan:
Repair a fence on one side of my home and a replace a chimney cap.
My financial situation:
I am a good candidate for this loan because I have been steadily employed with the same company since March 2005. This is my third loan through Prosper and I intend to pay this loan off in less than one year again. Thank you for your support.
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
524920
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
|
| |
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:
| Jan-1999 |
Debt/Income ratio:
| 22% |
|
Credit score:
| 680-699 (Sep-2011) |
Inquiries last 6m:
| 0 | Employment status: | Employed |
|
Now delinquent:
| 0 |
Current / open credit lines:
| 6
/
5 | Length of status: | 2y 2m |
|
Amount delinquent:
| $0 |
Total credit lines:
| 10 |
Occupation: | Other |
|
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $5,584 | Stated income: | $50,000-$74,999 |
|
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 46% | | |
| | |
Homeownership:
| No | | |
|
Screen name:
| deal-shooter3 |
Borrower's state:
| Georgia |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Description
Debt Consolidation 0502
Purpose of loan:
This loan will be used to pay off Credit Cards.
My financial situation:
I am a good candidate for this loan because I have a very secure job that I have been in for 15 years. I am always ontime with my payments. Just trying to consolidate some debt.
Monthly net income: $3843.60
Monthly expenses:
Housing: $1150.00
Insurance: $80
Car expenses: $465
Utilities: $50
Phone, cable, internet: $150
Food, entertainment: $150
Clothing, household expenses: $100
Credit cards and other loans: $300
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
524926
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
|
Amount:
| $8,000.00 |
Prosper Rating:
| A |
Listing Duration:
| 14 days
|
| |
Estimated loss*:
| 3.80% | | |
|
Term:
| 60 months | | | | |
|
|
Lender yield:
| 13.90% |
Borrower rate/APR:
| 14.90% / 16.29% |
Monthly payment:
| $189.90 |
| |
|
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):
| 8 |
First credit line:
| Jul-1985 |
Debt/Income ratio:
| 27% |
|
Credit score:
| 780-799 (Aug-2011) |
Inquiries last 6m:
| 0 | Employment status: | Employed |
|
Now delinquent:
| 0 |
Current / open credit lines:
| 11
/
11 | Length of status: | 7y 2m |
|
Amount delinquent:
| $0 |
Total credit lines:
| 38 |
Occupation: | Sales - Retail |
|
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $25,402 | Stated income: | $25,000-$49,999 |
|
Delinquencies in last 7y:
| 5 |
Bankcard utilization:
| 51% | | |
| | |
Homeownership:
| Yes | | |
|
Screen name:
| stable-interest6 |
Borrower's state:
| Alabama |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Description
My loan for home improvement
Purpose of loan:
This loan will be used to make home repairs and consolidation.
My financial situation:
I am retired militay, drawing retirement pay,also drawing a pension from Sara Lee Bakeryand currently working with LOWE's 1786 in Fortpayne Alabama. I am married to the same Lady for 40 years, have a solid reputation and a strong sense of responsibility to pay my debts. If I borrow, I will pay.
If approved, this loan will be used strictly to repair our home and consolidate credit card debts.
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
524966
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
|
Amount:
| $15,000.00 |
Prosper Rating:
| B |
Listing Duration:
| 14 days
|
| |
Estimated loss*:
| 5.95% | | |
|
Term:
| 60 months | | | | |
|
|
Lender yield:
| 17.99% |
Borrower rate/APR:
| 18.99% / 20.44% |
Monthly payment:
| $389.03 |
| |
|
Lender servicing fee:
| 1.00% |
Effective Yield*:
| 17.68% | | |
| |
Estimated return*:
| 11.73% | | |
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
|
Prosper score (1-10):
| 8 |
First credit line:
| Feb-1986 |
Debt/Income ratio:
| 7% |
|
Credit score:
| 700-719 (Aug-2011) |
Inquiries last 6m:
| 3 | Employment status: | Employed |
|
Now delinquent:
| 0 |
Current / open credit lines:
| 11
/
11 | Length of status: | 9y 1m |
|
Amount delinquent:
| $0 |
Total credit lines:
| 33 |
Occupation: | Other |
|
Public records last 12m / 10y:
| 0/ 1 |
Revolving credit balance:
| $12,775 | Stated income: | $100,000+ |
|
Delinquencies in last 7y:
| 5 |
Bankcard utilization:
| 55% | | |
| | |
Homeownership:
| Yes | | |
|
Screen name:
| BorrowerInConnecticut |
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
Funding my daughter's education
Purpose of loan:
This loan will be used to fund part of my daughter's education as I find myself in a temporary cash crunch.
I am a good candidate for this loan because I have a solid track record of earning high income levels thus have a good ability to repay my loan.
I am an MBA graduate from GWU ('87).
Gross Income
Jan-August 2011: $265,000 - run rate $397,500
June-August 2011: $55,000 - run rate $220,000
Monthly expenses
Mortgage: $5,225
Utilities: $1,435
Life/LTC Insurance: $764
Tuition: $6,100 ($3,100 of which ends in Feb. of 2012)
Food: $1,200
Transportation: $1,100 (car loan + fuel/maintenance)
Misc.: $750
Explanation for public records
Chapter 7 Bankruptcy discharged in July 2003, primarily as a result of divorce.
Was one month late in making mortgage/credit card payments in late 2009. Never missed a single payment at any other time since July 2003.
I am happy to answer any questions by phone or email. Thank you for your consideration.
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
524968
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
|
| |
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):
| 9 |
First credit line:
| Nov-1997 |
Debt/Income ratio:
| 14% |
|
Credit score:
| 700-719 (Aug-2011) |
Inquiries last 6m:
| 0 | Employment status: | Employed |
|
Now delinquent:
| 5 |
Current / open credit lines:
| 1
/
1 | Length of status: | 20y 3m |
|
Amount delinquent:
| $7,463 |
Total credit lines:
| 36 |
Occupation: | Clerical |
|
Public records last 12m / 10y:
| 1/ 1 |
Revolving credit balance:
| $204 | Stated income: | $50,000-$74,999 |
|
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 34% | | |
| | |
Homeownership:
| Yes | | |
|
Screen name:
| dignified-ore8 |
Borrower's state:
| Minnesota |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Description
To fix both cars and pay credit car
Purpose of loan:
This loan will be used to...To fix both cars that we drive and pay off credit cards
My financial situation:
I am a good candidate for this loan because...I have lived in my home for 8 years and love my home.
Monthly net income: $4200
Monthly expenses: $
Housing: $700
Insurance: $
Car expenses: $150
Utilities: $150
Phone, cable, internet: $75
Food, entertainment: $300
Clothing, household expenses: $
Credit cards and other loans: $
Other expenses: $
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
524972
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:
| B |
Listing Duration:
| 14 days
|
| |
Estimated loss*:
| 5.95% | | |
|
Term:
| 36 months | | | | |
|
|
Lender yield:
| 16.99% |
Borrower rate/APR:
| 17.99% / 20.20% |
Monthly payment:
| $397.62 |
| |
|
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):
| 9 |
First credit line:
| Aug-1995 |
Debt/Income ratio:
| 27% |
|
Credit score:
| 700-719 (Aug-2011) |
Inquiries last 6m:
| 0 | Employment status: | Employed |
|
Now delinquent:
| 0 |
Current / open credit lines:
| 30
/
30 | Length of status: | 13y 5m |
|
Amount delinquent:
| $0 |
Total credit lines:
| 68 |
Occupation: | Executive |
|
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $48,307 | Stated income: | $100,000+ |
|
Delinquencies in last 7y:
| 3 |
Bankcard utilization:
| 45% | | |
| | |
Homeownership:
| Yes | | |
|
Screen name:
| supreme-truth9 |
Borrower's state:
| Indiana |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Description
Cash Flow for Business
Purpose of loan: To meet business expenses
We are reimbursed by the State of Indiana and reimbursements are slow. Will use loan to bolster cash flow.
My financial situation:
I am a good candidate for this loan because: I have demonstrated through my credit history that I am reliable and will not be using the money for personal expenses but for the benefit of the family and children we serve.
Monthly net income: $10,000
Monthly expenses: $ 2,800
Housing: $1000
Insurance: $200
Car expenses: $500.
Utilities: $
Phone, cable, internet: $100
Food, entertainment: $150
Clothing, household expenses: $
Credit cards and other loans: $300
Other expenses: $600
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
524990
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
|
| |
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):
| 7 |
First credit line:
| Sep-1974 |
Debt/Income ratio:
| 51% |
|
Credit score:
| 760-779 (Sep-2011) |
Inquiries last 6m:
| 1 | Employment status: | Employed |
|
Now delinquent:
| 0 |
Current / open credit lines:
| 13
/
11 | Length of status: | 24y 8m |
|
Amount delinquent:
| $0 |
Total credit lines:
| 42 |
Occupation: | Police Officer/Corr... |
|
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $2,769 | Stated income: | $25,000-$49,999 |
|
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 11% | | |
| | |
Homeownership:
| No | | |
|
Screen name:
| stylish-loot5 |
Borrower's state:
| Ohio |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Description
Persoanl Loan
Purpose of loan:
This loan will be used to...
My financial situation:
I am a good candidate for this loan because...
Monthly net income: $1400
Monthly expenses: $1200
Housing: $
Insurance: $110Car expenses: $299Utilities: $
Phone, cable, internet: $43Food, entertainment: $
Clothing, household expenses: $
Credit cards and other loans: $1000
Other expenses: $
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
525020
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
|
Amount:
| $3,000.00 |
Prosper Rating:
| B |
Listing Duration:
| 14 days
|
| |
Estimated loss*:
| 5.95% | | |
|
Term:
| 36 months | | | | |
|
|
Lender yield:
| 16.99% |
Borrower rate/APR:
| 17.99% / 20.20% |
Monthly payment:
| $108.44 |
| |
|
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:
| Jul-2006 |
Debt/Income ratio:
| 2% |
|
Credit score:
| 660-679 (Sep-2011) |
Inquiries last 6m:
| 0 | Employment status: | Employed |
|
Now delinquent:
| 0 |
Current / open credit lines:
| 1
/
1 | Length of status: | 10y 3m |
|
Amount delinquent:
| $0 |
Total credit lines:
| 4 |
Occupation: | Engineer - Electric... |
|
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $768 | Stated income: | $75,000-$99,999 |
|
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 51% | | |
| | |
Homeownership:
| No | | |
|
Screen name:
| stable-investment812 |
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
Wedding
Purpose of loan:
This loan will be used to... Pay off the last payment of my wedding which is happening on 30th September 2011
My financial situation:
I am a good candidate for this loan because... I earn good money. After the wedding I will not have to pay out $4000 a month for wedding expenses and I can repay the loan.
Monthly net income: $5000
Monthly expenses: $415
Housing: $1515
Insurance: $0 I have a company car
Car expenses: $ 0 I have a company car
Utilities: $40
Phone, cable, internet: $ 75
Food, entertainment: $ 100
Clothing, household expenses: $50
Credit cards and other loans: $150
Other expenses: $
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
525044
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
|
Amount:
| $15,000.00 |
Prosper Rating:
| B |
Listing Duration:
| 14 days
|
| |
Estimated loss*:
| 5.95% | | |
|
Term:
| 60 months | | | | |
|
|
Lender yield:
| 17.99% |
Borrower rate/APR:
| 18.99% / 20.44% |
Monthly payment:
| $389.03 |
| |
|
Lender servicing fee:
| 1.00% |
Effective Yield*:
| 17.68% | | |
| |
Estimated return*:
| 11.73% | | |
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
|
Prosper score (1-10):
| 8 |
First credit line:
| Nov-1990 |
Debt/Income ratio:
| 11% |
|
Credit score:
| 640-659 (Aug-2011) |
Inquiries last 6m:
| 0 | Employment status: | Employed |
|
Now delinquent:
| 0 |
Current / open credit lines:
| 11
/
9 | Length of status: | 18y 0m |
|
Amount delinquent:
| $0 |
Total credit lines:
| 25 |
Occupation: | Teacher |
|
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $19,439 | Stated income: | $75,000-$99,999 |
|
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 60% | | |
| | |
Homeownership:
| No | | |
|
Screen name:
| leverage-rotation |
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
mance001
Purpose of loan:
This loan will be used to...consolidate debt and expand my business.
My financial situation:
I am a good candidate for this loan because...i generally pay off my debts within two years.
Monthly net income: $5500
Monthly expenses: $3200
Housing: $1000
Insurance: $120
Car expenses: $230
Utilities: $210
Phone, cable, internet: $50
Food, entertainment: $500
Clothing, household expenses: $300
Credit cards and other loans: $2200
Other expenses: $200
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
525180
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
|
| |
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:
| Nov-1995 |
Debt/Income ratio:
| 37% |
|
Credit score:
| 700-719 (Aug-2011) |
Inquiries last 6m:
| 1 | Employment status: | Other |
|
Now delinquent:
| 4 |
Current / open credit lines:
| 6
/
6 | Length of status: | 3y 7m |
|
Amount delinquent:
| $36,642 |
Total credit lines:
| 16 |
Occupation: | Other |
|
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $20,411 | Stated income: | $25,000-$49,999 |
|
Delinquencies in last 7y:
| 2 |
Bankcard utilization:
| 88% | | |
| | |
Homeownership:
| No | | |
|
Screen name:
| new-penny-surge |
Borrower's state:
| Georgia |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Description
Debt Consolidation
Purpose of loan: I will use this loan to pay several smaller loans off.
My financial situation:
I am a good candidate for this loan because I have no housing payment (my house is paid for) and I have dependable fixed income- social security.
Monthly net income: $2990
Monthly expenses: $1
Housing: $0
Insurance: $250
Utilities: $300
Phone, cable, internet: $100
Food, entertainment: $200
Clothing, household expenses: $200
Credit cards and other loans: $500 (will be paid off with this loan)
The amount that shows past due consist of two loans that I con signed for my children. They are working to take care of those loans now.
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
525222
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
|
| |
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):
| 3 |
First credit line:
| May-1987 |
Debt/Income ratio:
| Self-employed (DTI Not Calculated) |
|
Credit score:
| 700-719 (Sep-2011) |
Inquiries last 6m:
| 2 | Employment status: | Self-employed |
|
Now delinquent:
| 5 |
Current / open credit lines:
| 1
/
1 | Length of status: | 26y 5m |
|
Amount delinquent:
| $15,760 |
Total credit lines:
| 19 |
Occupation: | Other |
|
Public records last 12m / 10y:
| 0/ 1 |
Revolving credit balance:
| $102 | Stated income: | $50,000-$74,999 |
|
Delinquencies in last 7y:
| 20 |
Bankcard utilization:
| 34% | | |
| | |
Homeownership:
| No | | |
|
Screen name:
| apple660 |
Borrower's state:
| NewHampshire |
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
AquaSpring LLC
Purpose of loan: Business Equipment;
This loan will be used to...expand established point of use purified water system for businesses ; smaller units for home, coffee services.
My financial situation: A signed agent for PHSI pure water tech Inc.;assigned territory.
I am a good candidate for this loan because...Established homeowner,
strong local ties ,branching out .
Monthly net income: $4,390.00
Monthly expenses: $1,200.00
Housing: $
Insurance: $75.00
Car expenses: $230.00
Utilities: $300.00
Phone, cable, internet: $45.00
Food, entertainment: $340.00
Clothing, household expenses: $400.00
Credit cards and other loans: $120.00
Other expenses: $275.00
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
525258
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
|
| |
Estimated loss*:
| 11.20% | | |
|
Term:
| 36 months | | | | |
|
|
Lender yield:
| 25.99% |
Borrower rate/APR:
| 26.99% / 30.53% |
Monthly payment:
| $408.20 |
| |
|
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:
| Jan-1999 |
Debt/Income ratio:
| 15% |
|
Credit score:
| 660-679 (Sep-2011) |
Inquiries last 6m:
| 0 | Employment status: | Employed |
|
Now delinquent:
| 1 |
Current / open credit lines:
| 20
/
19 | Length of status: | 10y 3m |
|
Amount delinquent:
| $1,560 |
Total credit lines:
| 33 |
Occupation: | Professional |
|
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $60,986 | Stated income: | $100,000+ |
|
Delinquencies in last 7y:
| 3 |
Bankcard utilization:
| 87% | | |
| | |
Homeownership:
| Yes | | |
|
Screen name:
| admirable-bill910 |
Borrower's state:
| Tennessee |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Description
Deanwood #7987
Purpose of loan: Roofing
This loan will be used to...Install a new roof on home
My financial situation: Employed full time at the same company for over 10 years.
I am a good candidate for this loan because... I have a stable work history and a good income.
Monthly net income: $7700
Monthly expenses: $
Housing: $1800
Insurance: $100
Car expenses: $
Utilities: $120
Phone, cable, internet: $160
Food, entertainment: $300
Clothing, household expenses: $
Credit cards and other loans: $800
Other expenses: $650
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
525288
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
|
Amount:
| $2,000.00 |
Prosper Rating:
| HR |
Listing Duration:
| 14 days
|
| |
Estimated loss*:
| 17.00% | | |
|
Term:
| 36 months | | | | |
|
|
Lender yield:
| 30.25% |
Borrower rate/APR:
| 31.25% / 34.89% |
Monthly payment:
| $86.28 |
| |
|
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-2004 |
Debt/Income ratio:
| Not calculated |
|
Credit score:
| 620-639 (Aug-2011) |
Inquiries last 6m:
| 6 | Employment status: | Employed |
|
Now delinquent:
| 0 |
Current / open credit lines:
| 4
/
3 | Length of status: | 1y 3m |
|
Amount delinquent:
| $0 |
Total credit lines:
| 16 |
Occupation: | Retail Management |
|
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $3,470 | Stated income: | $25,000-$49,999 |
|
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 53% | | |
| | |
Homeownership:
| No | | |
|
Screen name:
| 465Boogs |
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 / 2 |
On-time:
| 8 ( 73% )
| 620-639 (Latest)
|
|
Principal borrowed:
| $3,400.00 | < 31 days late:
| 3
( 27% )
| 720-739
(Oct-2010)
720-739
(Jul-2010)
|
|
Principal balance:
| $743.11 |
31+ days late:
| 0
( 0% )
|
|
Total payments billed:
| 11 | | |
Description
Getting Started...
Purpose of loan: Wardrobe and Consolidation
I have received a job offer post graduation and need to obtain more business attire. Also, I will be consolidating some bills into one monthly payment while trying to boost my credit potential. I have very little credit history so showing that I can make timely payments is a great benefactor to me. My credit score has dropped due to credit inquiries after obtaining a credit card and vehicle loan. (In the event that you are concerned) Other than that, I have an outstanding history of making timely payments. Please feel free to ask if you have any questions comments or concerns!
Monthly net income: $3600
Housing: $450
Insurance: $120
Car expenses: $306
Utilities: $30
Phone, cable, internet: $60
Food, entertainment: $200
Clothing, household expenses: $100
Credit cards and other loans: $200
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
525294
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:
| D |
Listing Duration:
| 14 days
|
| |
Estimated loss*:
| 11.20% | | |
|
Term:
| 36 months | | | | |
|
|
Lender yield:
| 25.99% |
Borrower rate/APR:
| 26.99% / 30.53% |
Monthly payment:
| $285.74 |
| |
|
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:
| Mar-1996 |
Debt/Income ratio:
| 24% |
|
Credit score:
| 720-739 (Sep-2011) |
Inquiries last 6m:
| 1 | Employment status: | Employed |
|
Now delinquent:
| 0 |
Current / open credit lines:
| 10
/
10 | Length of status: | 3y 2m |
|
Amount delinquent:
| $0 |
Total credit lines:
| 23 |
Occupation: | Accountant/CPA |
|
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $9,244 | Stated income: | $25,000-$49,999 |
|
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 66% | | |
| | |
Homeownership:
| No | | |
|
Screen name:
| responsibility-victor |
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
loan12345
Purpose of loan:
This loan will be used to...
My financial situation:
I am a good candidate for this loan because...
Monthly net income: $2600
Monthly expenses: $200
Housing: $475
Insurance: $98
Car expenses: $
Utilities: $100
Phone, cable, internet: $65
Food, entertainment: $400
Clothing, household expenses: $75
Credit cards and other loans: $100
Other expenses: $100
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
525336
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
|
Amount:
| $2,000.00 |
Prosper Rating:
| E |
Listing Duration:
| 14 days
|
| |
Estimated loss*:
| 13.00% | | |
|
Term:
| 12 months | | | | |
|
|
Lender yield:
| 25.69% |
Borrower rate/APR:
| 26.69% / 35.84% |
Monthly payment:
| $191.73 |
| |
|
Lender servicing fee:
| 1.00% |
Effective Yield*:
| 24.52% | | |
| |
Estimated return*:
| 11.52% | | |
* 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-2002 |
Debt/Income ratio:
| 6% |
|
Credit score:
| 640-659 (Aug-2011) |
Inquiries last 6m:
| 1 | Employment status: | Employed |
|
Now delinquent:
| 0 |
Current / open credit lines:
| 7
/
3 | Length of status: | 9y 8m |
|
Amount delinquent:
| $0 |
Total credit lines:
| 15 |
Occupation: | Construction |
|
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $0 | Stated income: | $50,000-$74,999 |
|
Delinquencies in last 7y:
| 30 |
Bankcard utilization:
| 0% | | |
| | |
Homeownership:
| No | | |
|
Screen name:
| Naturefreak715 |
Borrower's state:
| NewJersey |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
| Loan history | Payment history | Credit score history |
|
Active / total loans:
| 0 / 1 |
On-time:
| 33 ( 97% )
| 640-659 (Latest)
|
|
Principal borrowed:
| $2,500.00 | < 31 days late:
| 1
( 3% )
| 500-519
(Dec-2006)
520-539
(Dec-2006)
|
|
Principal balance:
| $0.03 |
31+ days late:
| 0
( 0% )
|
|
Total payments billed:
| 34 | | |
Description
My loan for an auto repair
Purpose of loan: I would like to obtain this loan to have a new transmission installed in my truck.
My financial situation: Is very good.
I am a good candidate for this loan because I have gotten myself out of serious debt within the last 3 or so years and am looking to continue this. I only have one credit card with a $500 limit to keep myself in check. My last prosper loan I missed one payment at the end of my 3 years and was never late. I only missed that one due to a bank error while changing over my direct deposit and I recitified immediately.
Monthly net income: $2,500.00
Monthly expenses: $200.00
Housing: $500.00
Insurance: $0.00 (provided thru my employer)
Car expenses: $0.00 (provided thru my employer)
Utilities: $80.00
Phone, cable, internet: $100.00
Food, entertainment: $150.00
Clothing, household expenses: $50.00
Credit cards and other loans: $25.00
Other expenses: $25.00
Information in the Description is not verified.