Listing Report:Supplement No. 16 dated Sep 30, 2011 to Prospectus dated Sep 21, 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 Sep 21, 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 Sep 21, 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
508878
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
|
Amount:
| $5,500.00 |
Prosper Rating:
| E |
Listing Duration:
| 14 days
|
| |
Estimated loss*:
| 13.00% | | |
|
Term:
| 36 months | | | | |
|
|
Lender yield:
| 29.99% |
Borrower rate/APR:
| 30.99% / 34.62% |
Monthly payment:
| $236.48 |
| |
|
Lender servicing fee:
| 1.00% |
Effective Yield*:
| 28.61% | | |
| |
Estimated return*:
| 15.61% | | |
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
|
Prosper score (1-10):
| 4 |
First credit line:
| Nov-2006 |
Debt/Income ratio:
| 20% |
|
Credit score:
| 640-659 (Sep-2011) |
Inquiries last 6m:
| 2 | Employment status: | Employed |
|
Now delinquent:
| 0 |
Current / open credit lines:
| 8
/
8 | Length of status: | 2y 2m |
|
Amount delinquent:
| $0 |
Total credit lines:
| 9 |
Occupation: | Doctor |
|
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $9,681 | Stated income: | $50,000-$74,999 |
|
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 85% | | |
| | |
Homeownership:
| No | | |
|
Screen name:
| cyteways |
Borrower's state:
| Nebraska |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
| Loan history | Payment history | Credit score history |
|
Active / total loans:
| 0 / 1 |
On-time:
| 25 ( 71% )
| 640-659 (Latest)
|
|
Principal borrowed:
| $5,000.00 | < 31 days late:
| 10
( 29% )
| 600-619
(Jul-2010)
600-619
(May-2008)
520-539
(Sep-2007)
|
|
Principal balance:
| $0.00 |
31+ days late:
| 0
( 0% )
|
|
Total payments billed:
| 35 | | |
Description
High interest debt
I had created a prosper loan 3 years ago, was never late on a payment and have completely payed off that loan. With that money, I had a chance to apply to residency and now I am a resident family physician at the Nebraska Medical Center! After successfully completing two years, I will be an attending in 10 months. With the interest rates of my cards going to the tune of 31%, I would like to consolidate all my credit card debt and pay it off.
My financial situation:
I work for Clarkson Family Medicine(UNMC affiliate) and have a steady job as unfortunately people still get ill. I will get a raise this year and moonlighting will earn me additional income.
Monthly net income: $ Take home-2600-3000
Monthly expenses: $
Housing: $ 862
Insurance: $ 75
Car expenses: $ 365
Utilities: $ 70-100
Phone, cable, internet: $ 75
Food, entertainment: $ 300
Clothing, household expenses $ 200
Credit cards and other loans: $ 600
Other expenses: $ 200
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
522648
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:
| $8,500.00 |
Prosper Rating:
| A |
Listing Duration:
| 14 days
|
| |
Estimated loss*:
| 2.60% | | |
|
Term:
| 36 months | | | | |
|
|
Lender yield:
| 10.29% |
Borrower rate/APR:
| 11.29% / 13.41% |
Monthly payment:
| $279.45 |
| |
|
Lender servicing fee:
| 1.00% |
Effective Yield*:
| 10.26% | | |
| |
Estimated return*:
| 7.66% | | |
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
|
Prosper score (1-10):
| 8 |
First credit line:
| Oct-2000 |
Debt/Income ratio:
| 22% |
|
Credit score:
| 680-699 (Sep-2011) |
Inquiries last 6m:
| 1 | Employment status: | Employed |
|
Now delinquent:
| 0 |
Current / open credit lines:
| 8
/
7 | Length of status: | 2y 11m |
|
Amount delinquent:
| $0 |
Total credit lines:
| 24 |
Occupation: | Sales - Commission |
|
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $23,234 | Stated income: | $75,000-$99,999 |
|
Delinquencies in last 7y:
| 7 |
Bankcard utilization:
| 66% | | |
| | |
Homeownership:
| No | | |
|
Screen name:
| andrewrobert |
Borrower's state:
| Maryland |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
| Loan history | Payment history | Credit score history |
|
Active / total loans:
| 0 / 1 |
On-time:
| 16 ( 100% )
| 680-699 (Latest)
|
|
Principal borrowed:
| $4,500.00 | < 31 days late:
| 0
( 0% )
| 640-659
(May-2008)
|
|
Principal balance:
| $0.00 |
31+ days late:
| 0
( 0% )
|
|
Total payments billed:
| 16 | | |
Description
Help me consolidate my debt
Purpose
I will be using the money to pay off 2 higher interest credit cards.
My financial situation:
I am in a good situation, I have a very steady job with enough money in the bank to pay my current debts including this loan if funded, I just don't want to make a large payment and deplete my reserves should something bad happen in the future.
I am a past prosper lender and borrower, my other loan was paid in full over 2 years ago, I still want to invest in prosper but am unable to at this time as my state has not approved prosper yet.
My credit score is 688, and I haven't been late on any payment I. The past three years.
Monthly net income: $9500
Monthly expenses: $5500
Housing: $3325
Insurance: $85
Car expenses: $700 (loan, gas, ect)
Utilities: $500
Credit cards $750
Misc $150-350
Phone, cable, internet: $
Food, entertainment: $
Clothing, household expenses: $
Credit cards and other loans: $
Other expenses: $
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
526674
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*:
| 14.70% | | |
|
Term:
| 36 months | | | | |
|
|
Lender yield:
| 30.99% |
Borrower rate/APR:
| 31.99% / 35.64% |
Monthly payment:
| $87.10 |
| |
|
Lender servicing fee:
| 1.00% |
Effective Yield*:
| 29.57% | | |
| |
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:
| Jan-1989 |
Debt/Income ratio:
| Self-employed (DTI Not Calculated) |
|
Credit score:
| 680-699 (Sep-2011) |
Inquiries last 6m:
| 1 | Employment status: | Self-employed |
|
Now delinquent:
| 0 |
Current / open credit lines:
| 9
/
8 | Length of status: | 10y 8m |
|
Amount delinquent:
| $0 |
Total credit lines:
| 14 |
Occupation: | Computer Programmer |
|
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $30,971 | Stated income: | $1-$24,999 |
|
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 77% | | |
| | |
Homeownership:
| No | | |
|
Screen name:
| cognizant-wealth7 |
Borrower's state:
| NewYork |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Description
My loan for an auto purchase
Purpose of loan: car
This loan will be used to buy a used volvo to get to a new job This is an increadibly horrible rate so it's likely I will pay off early if and when possible. I know some of you try to avoid early pay off loans so I want to be honest and give you a warning.
My financial situation:
I am a good candidate... I've entered a consolidation program for my 5 credit cards (to pay them, not to settle) so I will not be able to use credit cards for several years. We share a house with other family so most of my income for the next year will be going toward food and paying off debt. My total debt is 12,000.
Monthly net income: $ 1,400+overtime (plus other income from auctions and direct sales) /Monthly expenses: $ 200 /Housing: $ 0/ Insurance: $ 25 month /Food, entertainment: $ 400 /Clothing, household expenses: $ 25 month /Credit cards and other loans: $ 12,000 total /Other expenses: $ 200
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
529776
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:
| Nov-1996 |
Debt/Income ratio:
| 25% |
|
Credit score:
| 700-719 (Sep-2011) |
Inquiries last 6m:
| 9 | Employment status: | Employed |
|
Now delinquent:
| 0 |
Current / open credit lines:
| 14
/
14 | Length of status: | 5y 7m |
|
Amount delinquent:
| $0 |
Total credit lines:
| 45 |
Occupation: | Postal Service |
|
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $23,153 | Stated income: | $50,000-$74,999 |
|
Delinquencies in last 7y:
| 3 |
Bankcard utilization:
| 52% | | |
| | |
Homeownership:
| Yes | | |
|
Screen name:
| terrific-value0 |
Borrower's state:
| California |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Description
DEBT CONSOLIDATION
Purpose of loan: DEBT CONSOLIDATION
This loan will be used to..PAY A CREDIT CARD
My financial situation:
I am a good candidate for this loan because... I PAY ALL MY DEBTS
Monthly net income: $5200
Monthly expenses: 400
Housing: $1496
Insurance: $
Car expenses: $
Utilities: $
Phone, cable, internet: $
Food, entertainment: $
Clothing, household expenses: $
Credit cards and other loans: $300
Other expenses: $
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
530162
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:
| Mar-1969 |
Debt/Income ratio:
| Self-employed (DTI Not Calculated) |
|
Credit score:
| 740-759 (Sep-2011) |
Inquiries last 6m:
| 6 | Employment status: | Self-employed |
|
Now delinquent:
| 0 |
Current / open credit lines:
| 10
/
8 | Length of status: | 10y 5m |
|
Amount delinquent:
| $0 |
Total credit lines:
| 24 |
Occupation: | Attorney |
|
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $71,853 | Stated income: | $100,000+ |
|
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 49% | | |
| | |
Homeownership:
| Yes | | |
|
Screen name:
| generous-gain2 |
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.
Description
My personal loan for my business
Purpose of loan:
This loan will be used to recapitalize my independent practice, specializing in labor litigation.
My financial situation:
I am a good candidate for this loan because I am qualified to bid on several high profile projects in the near future.
Monthly net income: $7800
Monthly expenses: $2300
Housing: $0
Insurance: $196
Car expenses: $0
Utilities: $244
Phone, cable, internet: $99
Food, entertainment: $200
Clothing, household expenses: $200
Credit cards and other loans: $185
Other expenses: $0
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
530168
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:
| Jun-1988 |
Debt/Income ratio:
| Self-employed (DTI Not Calculated) |
|
Credit score:
| 660-679 (Sep-2011) |
Inquiries last 6m:
| 2 | Employment status: | Self-employed |
|
Now delinquent:
| 2 |
Current / open credit lines:
| 8
/
7 | Length of status: | 19y 8m |
|
Amount delinquent:
| $414 |
Total credit lines:
| 26 |
Occupation: | Investor |
|
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $2,876 | Stated income: | $100,000+ |
|
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 52% | | |
| | |
Homeownership:
| No | | |
|
Screen name:
| top-deal-youngster |
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
TSBU
No description is available.
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
530196
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):
| 8 |
First credit line:
| Apr-1986 |
Debt/Income ratio:
| 6% |
|
Credit score:
| 640-659 (Sep-2011) |
Inquiries last 6m:
| 1 | Employment status: | Employed |
|
Now delinquent:
| 3 |
Current / open credit lines:
| 4
/
3 | Length of status: | 0y 9m |
|
Amount delinquent:
| $17,016 |
Total credit lines:
| 46 |
Occupation: | Professional |
|
Public records last 12m / 10y:
| 0/ 1 |
Revolving credit balance:
| $0 | Stated income: | $100,000+ |
|
Delinquencies in last 7y:
| 25 |
Bankcard utilization:
| 0% | | |
| | |
Homeownership:
| No | | |
|
Screen name:
| majestic-deal182 |
Borrower's state:
| Colorado |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Description
Consolidation
Purpose of loan:
This loan will be used to...consolidate personal debt
My financial situation:
I am a good candidate for this loan because...I am gainfully employed and earn a higher than average monthly salary.
Monthly net income: $13500
Monthly expenses: $800
Housing: $1295
Insurance: $120
Car expenses: $255
Utilities: $125
Phone, cable, internet: $150
Food, entertainment: $300
Clothing, household expenses: $100
Credit cards and other loans: $300
Other expenses: $0
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
530198
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):
| 6 |
First credit line:
| Jan-1988 |
Debt/Income ratio:
| 17% |
|
Credit score:
| 700-719 (Sep-2011) |
Inquiries last 6m:
| 0 | Employment status: | Employed |
|
Now delinquent:
| 1 |
Current / open credit lines:
| 5
/
4 | Length of status: | 5y 7m |
|
Amount delinquent:
| $290 |
Total credit lines:
| 20 |
Occupation: | Professional |
|
Public records last 12m / 10y:
| 0/ 1 |
Revolving credit balance:
| $0 | Stated income: | $50,000-$74,999 |
|
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 0% | | |
| | |
Homeownership:
| Yes | | |
|
Screen name:
| John25 |
Borrower's state:
| Mississippi |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Description
Debt free
Purpose of loan:
This loan will be used to...
Consolidate some bills and for home repairs.
My financial situation:
I am a good candidate for this loan because...
I have been steadily employed and have paid my bills on time.
Monthly net income: $5,578
Monthly expenses: $
Housing: $1266
Insurance: $
Car expenses: $
Utilities: $
Phone, cable, internet: $
Food, entertainment: $250
Clothing, household expenses: $
Credit cards and other loans: $788
Other expenses: $
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
530220
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-1997 |
Debt/Income ratio:
| 9% |
|
Credit score:
| 700-719 (Sep-2011) |
Inquiries last 6m:
| 1 | Employment status: | Employed |
|
Now delinquent:
| 0 |
Current / open credit lines:
| 10
/
9 | Length of status: | 6y 9m |
|
Amount delinquent:
| $0 |
Total credit lines:
| 17 |
Occupation: | Nurse (LPN) |
|
Public records last 12m / 10y:
| 0/ 1 |
Revolving credit balance:
| $64,327 | Stated income: | $25,000-$49,999 |
|
Delinquencies in last 7y:
| 2 |
Bankcard utilization:
| 99% | | |
| | |
Homeownership:
| Yes | | |
|
Screen name:
| happy-ore399 |
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
bof america
Purpose of loan:
This loan will be used to...consolidate bills
My financial situation:
I am a good candidate for this loan because..I repay my debt.
Monthly net income: $4200
Monthly expenses: $3105
Housing: $1200
Insurance: $79
Car expenses: $400
Utilities: $300
Phone, cable, internet: $125
Food, entertainment: $250
Clothing, household expenses: $0
Credit cards and other loans: $450
Other expenses: $
varies
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
530254
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
|
Amount:
| $6,500.00 |
Prosper Rating:
| 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:
| $238.23 |
| |
|
Lender servicing fee:
| 1.00% |
Effective Yield*:
| 17.57% | | |
| |
Estimated return*:
| 11.47% | | |
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
|
Prosper score (1-10):
| 6 |
First credit line:
| Aug-2000 |
Debt/Income ratio:
| 16% |
|
Credit score:
| 700-719 (Sep-2011) |
Inquiries last 6m:
| 0 | Employment status: | Employed |
|
Now delinquent:
| 0 |
Current / open credit lines:
| 2
/
2 | Length of status: | 10y 6m |
|
Amount delinquent:
| $0 |
Total credit lines:
| 8 |
Occupation: | Retail Management |
|
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $4,998 | Stated income: | $50,000-$74,999 |
|
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 99% | | |
| | |
Homeownership:
| No | | |
|
Screen name:
| good4Aloan |
Borrower's state:
| California |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
| Loan history | Payment history | Credit score history |
|
Active / total loans:
| 0 / 1 |
On-time:
| 31 ( 89% )
| 700-719 (Latest)
|
|
Principal borrowed:
| $8,000.00 | < 31 days late:
| 4
( 11% )
| 680-699
(Feb-2008)
|
|
Principal balance:
| $0.00 |
31+ days late:
| 0
( 0% )
|
|
Total payments billed:
| 35 | | |
Description
To consolidate credit card
Purpose of loan: Consolidate credit card
This loan will be used to...
My financial situation: I make a strong income
I am a good candidate for this loan because...I have used Prosper before and was on time with my payment and never missed one month. I borrowed $8,500 payed it off in my 3 year period, now borrowing less and making more money since 2008. My credit is above 700 and am reliable.
Monthly net income: $62,000
Monthly expenses$1,600
Housing: $800
Insurance: $80
Car expenses: $50
Utilities: $50
Phone, cable, internet: $30
Food, entertainment: $200
Clothing, household expenses: $100
Credit cards and other loans: $150
Other expenses: $50
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
530256
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*:
| 10.00% | | |
|
Term:
| 36 months | | | | |
|
|
Lender yield:
| 22.99% |
Borrower rate/APR:
| 23.99% / 27.47% |
Monthly payment:
| $392.28 |
| |
|
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:
| Jul-1975 |
Debt/Income ratio:
| 20% |
|
Credit score:
| 700-719 (Sep-2011) |
Inquiries last 6m:
| 3 | Employment status: | Other |
|
Now delinquent:
| 0 |
Current / open credit lines:
| 23
/
21 | Length of status: | 42y 3m |
|
Amount delinquent:
| $0 |
Total credit lines:
| 41 |
Occupation: | Other |
|
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $6,185 | Stated income: | $100,000+ |
|
Delinquencies in last 7y:
| 9 |
Bankcard utilization:
| 33% | | |
| | |
Homeownership:
| Yes | | |
|
Screen name:
| diversification-goliath |
Borrower's state:
| NewJersey |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
| Loan history | Payment history | Credit score history |
|
Active / total loans:
| 1 / 1 |
On-time:
| 17 ( 100% )
| 700-719 (Latest)
|
|
Principal borrowed:
| $4,000.00 | < 31 days late:
| 0
( 0% )
| 700-719
(Apr-2010)
660-679
(Jul-2009)
|
|
Principal balance:
| $2,614.65 |
31+ days late:
| 0
( 0% )
|
|
Total payments billed:
| 17 | | |
Description
one payment
Purpose of loan:
This loan will be used to...pay off the balance of one loan i have with prosper and pay off 7000 in credit cards so i will have just one payment
My financial situation:
I am a good candidate for this loan because...because I paid my loan on time.
Monthly net income: $6000
Monthly expenses: $
Housing: $900
Insurance: $210
Car expenses: $600
Utilities: $300
Phone, cable, internet: $100
Food, entertainment: $500
Clothing, household expenses: $300
Credit cards and other loans: $
Other expenses: $
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
530260
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
|
Amount:
| $5,000.00 |
Prosper Rating:
| E |
Listing Duration:
| 14 days
|
| |
Estimated loss*:
| 13.00% | | |
|
Term:
| 36 months | | | | |
|
|
Lender yield:
| 29.99% |
Borrower rate/APR:
| 30.99% / 34.62% |
Monthly payment:
| $214.98 |
| |
|
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):
| 4 |
First credit line:
| Nov-1984 |
Debt/Income ratio:
| 28% |
|
Credit score:
| 620-639 (Sep-2011) |
Inquiries last 6m:
| 0 | Employment status: | Employed |
|
Now delinquent:
| 1 |
Current / open credit lines:
| 9
/
8 | Length of status: | 1y 8m |
|
Amount delinquent:
| $181 |
Total credit lines:
| 21 |
Occupation: | Other |
|
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $4,645 | Stated income: | $25,000-$49,999 |
|
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 87% | | |
| | |
Homeownership:
| No | | |
|
Screen name:
| Bessenbacher |
Borrower's state:
| Oregon |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
| Loan history | Payment history | Credit score history |
|
Active / total loans:
| 0 / 2 |
On-time:
| 28 ( 100% )
| 620-639 (Latest)
|
|
Principal borrowed:
| $4,000.00 | < 31 days late:
| 0
( 0% )
| 640-659
(Feb-2011)
740-759
(Oct-2010)
660-679
(Mar-2008)
680-699
(Oct-2007)
|
|
Principal balance:
| $0.02 |
31+ days late:
| 0
( 0% )
|
|
Total payments billed:
| 28 | | |
Description
Consolidate Debt
Purpose of loan:
This loan will be used to Consolidate My Credit Card Debt to have them paid off in 3 years or less. This does increase my monthly payment but gets rid of the debt faster.
My financial situation:
I am a good candidate for this loan because, I have kept steady employment or self employed status for more than a decade and continue to pay all my bills promptly.
Monthly net income: $2500-3000
Monthly expenses: $ 2000-2300
Housing: $ 700
Insurance: $ 107
Car expenses: $ 300
Utilities: $ 100
Phone, cable, internet: $ 225
Food, entertainment: $ 400
Clothing, household expenses: $
Credit cards and other loans: $ 150
Other expenses: $ 250
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
530284
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
|
Amount:
| $4,000.00 |
Prosper Rating:
| B |
Listing Duration:
| 14 days
|
| |
Estimated loss*:
| 5.95% | | |
|
Term:
| 36 months | | | | |
|
|
Lender yield:
| 16.99% |
Borrower rate/APR:
| 17.99% / 20.20% |
Monthly payment:
| $144.59 |
| |
|
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-1988 |
Debt/Income ratio:
| 12% |
|
Credit score:
| 680-699 (Sep-2011) |
Inquiries last 6m:
| 0 | Employment status: | Employed |
|
Now delinquent:
| 0 |
Current / open credit lines:
| 4
/
4 | Length of status: | 28y 0m |
|
Amount delinquent:
| $0 |
Total credit lines:
| 13 |
Occupation: | Construction |
|
Public records last 12m / 10y:
| 0/ 1 |
Revolving credit balance:
| $1,399 | Stated income: | $75,000-$99,999 |
|
Delinquencies in last 7y:
| 3 |
Bankcard utilization:
| 93% | | |
| | |
Homeownership:
| Yes | | |
|
Screen name:
| unflappable-felicity |
Borrower's state:
| Texas |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Description
My loan for debt consolidation
Purpose of loan:
This loan will be used to...pay off high interest loan and CC
My financial situation:
I am a good candidate for this loan because... responsibility for one's conduct and obligations a must.
Monthly net income: $4100
Monthly expenses: $
Housing: $1307
Insurance: $139
Car expenses: $0 drive company car
Utilities: $550
Phone, cable, internet: $225
Food, entertainment: $600
Clothing, household expenses: $300
Credit cards and other loans: $250
Other expenses: $100
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
530314
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*:
| 2.60% | | |
|
Term:
| 36 months | | | | |
|
|
Lender yield:
| 10.29% |
Borrower rate/APR:
| 11.29% / 13.41% |
Monthly payment:
| $361.64 |
| |
|
Lender servicing fee:
| 1.00% |
Effective Yield*:
| 10.26% | | |
| |
Estimated return*:
| 7.66% | | |
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
|
Prosper score (1-10):
| 8 |
First credit line:
| Feb-1977 |
Debt/Income ratio:
| 13% |
|
Credit score:
| 720-739 (Sep-2011) |
Inquiries last 6m:
| 3 | Employment status: | Employed |
|
Now delinquent:
| 0 |
Current / open credit lines:
| 12
/
10 | Length of status: | 6y 8m |
|
Amount delinquent:
| $0 |
Total credit lines:
| 22 |
Occupation: | Executive |
|
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $18,974 | Stated income: | $75,000-$99,999 |
|
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 20% | | |
| | |
Homeownership:
| No | | |
|
Screen name:
| affluence-announcer |
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.
Prosper Activity
| Loan history | Payment history | Credit score history |
|
Active / total loans:
| 1 / 1 |
On-time:
| 6 ( 100% )
| 720-739 (Latest)
|
|
Principal borrowed:
| $15,000.00 | < 31 days late:
| 0
( 0% )
| 720-739
(Mar-2011)
|
|
Principal balance:
| $13,873.77 |
31+ days late:
| 0
( 0% )
|
|
Total payments billed:
| 6 | | |
Description
Home Improvement - 720+ Credit
Purpose of loan:
This loan will be used to remodel a kitchen and bathroom in my condo. I own the property without a mortgage and the appraised value of the unit is $525,000.
My financial situation:
I am a good candidate for this loan because I have been employed at the same firm for nearly 7 years. My income for 2010 was over $85k and my credit scores are over 700. I am an existing Prosper borrower with no late payments and often pay more than the minimum due. My revolving credit balance has been artificially inflated by a corporate charge account for which my employer pays and shares responsibility. My monthly income is $3,950 and I will not have an issue meeting the $350 payment obligation for this loan.
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
529327
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:
| 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:
| $253.03 |
| |
|
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:
| Feb-1994 |
Debt/Income ratio:
| 20% |
|
Credit score:
| 760-779 (Sep-2011) |
Inquiries last 6m:
| 1 | Employment status: | Employed |
|
Now delinquent:
| 0 |
Current / open credit lines:
| 16
/
14 | Length of status: | 6y 5m |
|
Amount delinquent:
| $0 |
Total credit lines:
| 40 |
Occupation: | Nurse (RN) |
|
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $53,672 | Stated income: | $100,000+ |
|
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 40% | | |
| | |
Homeownership:
| Yes | | |
|
Screen name:
| entertaining-capital3 |
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
Fairy
Purpose of loan:
This loan will be used to...help my parents
My financial situation:
I am a good candidate for this loan because...I have good credit history and good income
Monthly net income: $7500
Monthly expenses: $1000
Housing: $
Insurance: $
Car expenses: $
Utilities: $
Phone, cable, internet: $
Food, entertainment: $200
Clothing, household expenses: $500
Credit cards and other loans: $1000
Other expenses: $
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
530077
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):
| 6 |
First credit line:
| May-1986 |
Debt/Income ratio:
| 39% |
|
Credit score:
| 700-719 (Sep-2011) |
Inquiries last 6m:
| 0 | Employment status: | Employed |
|
Now delinquent:
| 0 |
Current / open credit lines:
| 11
/
11 | Length of status: | 9y 1m |
|
Amount delinquent:
| $0 |
Total credit lines:
| 28 |
Occupation: | Teacher |
|
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $13,509 | Stated income: | $25,000-$49,999 |
|
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 92% | | |
| | |
Homeownership:
| No | | |
|
Screen name:
| fan778 |
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 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: $2100
Monthly expenses: $
Housing: $8OO
Insurance: $97
Car expenses: $125
Utilities: $50
Phone, cable, internet: $150
Food, entertainment: $150
Clothing, household expenses: $100
Credit cards and other loans: $500
Other expenses: $50
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
530147
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:
| Jun-1991 |
Debt/Income ratio:
| 14% |
|
Credit score:
| 660-679 (Sep-2011) |
Inquiries last 6m:
| 4 | Employment status: | Employed |
|
Now delinquent:
| 0 |
Current / open credit lines:
| 9
/
9 | Length of status: | 7y 0m |
|
Amount delinquent:
| $0 |
Total credit lines:
| 72 |
Occupation: | Sales - Commission |
|
Public records last 12m / 10y:
| 0/ 1 |
Revolving credit balance:
| $3,583 | Stated income: | $100,000+ |
|
Delinquencies in last 7y:
| 12 |
Bankcard utilization:
| 96% | | |
| | |
Homeownership:
| Yes | | |
|
Screen name:
| dollar-duckling |
Borrower's state:
| NorthCarolina |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Description
Personal Loan for Various
Purpose of loan:
This loan will be used to...
My financial situation:
I am a good candidate for this loan because... I will work to pay off the loan before 36 months. I have stable employment, both regular monthly pay, plus bonus and commission received quarterly. Currently, I am in need of additional cash, for legal fees for child custody hearing in another state. I want to also, payoff existing credit cards.
Monthly net income: $4689
Monthly expenses: $
Housing: $1534
Insurance: $33
Car expenses: $659
Utilities: $165
Phone, cable, internet: $215
Food, entertainment: $250
Clothing, household expenses: $150
Credit cards and other loans: $400
Other expenses: $
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
530159
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:
| Jun-1990 |
Debt/Income ratio:
| 25% |
|
Credit score:
| 760-779 (Sep-2011) |
Inquiries last 6m:
| 0 | Employment status: | Employed |
|
Now delinquent:
| 0 |
Current / open credit lines:
| 12
/
12 | Length of status: | 10y 8m |
|
Amount delinquent:
| $0 |
Total credit lines:
| 38 |
Occupation: | Professional |
|
Public records last 12m / 10y:
| 1/ 1 |
Revolving credit balance:
| $27,574 | Stated income: | $100,000+ |
|
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 43% | | |
| | |
Homeownership:
| Yes | | |
|
Screen name:
| red-logical-rupee |
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
Griffen
Purpose of loan:
This loan will be used to...
My financial situation:
I am a good candidate for this loan because... I pay my bills on time and been in my current postion with consistent income for 10.5 years
Monthly net income: $9400
Monthly expenses: $
Housing: $2200
Insurance: $200
Car expenses: $600
Utilities: $200
Phone, cable, internet: $70
Food, entertainment: $
Clothing, household expenses: $
Credit cards and other loans: $500.00
Other expenses: $
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
530165
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:
| 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:
| $439.81 |
| |
|
Lender servicing fee:
| 1.00% |
Effective Yield*:
| 17.57% | | |
| |
Estimated return*:
| 11.47% | | |
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
|
Prosper score (1-10):
| 6 |
First credit line:
| Dec-1990 |
Debt/Income ratio:
| 38% |
|
Credit score:
| 660-679 (Sep-2011) |
Inquiries last 6m:
| 0 | Employment status: | Employed |
|
Now delinquent:
| 2 |
Current / open credit lines:
| 18
/
14 | Length of status: | 18y 3m |
|
Amount delinquent:
| $1,178 |
Total credit lines:
| 44 |
Occupation: | Police Officer/Corr... |
|
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $3,384 | Stated income: | $50,000-$74,999 |
|
Delinquencies in last 7y:
| 3 |
Bankcard utilization:
| 88% | | |
| | |
Homeownership:
| Yes | | |
|
Screen name:
| jrackley238 |
Borrower's state:
| Texas |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
| Loan history | Payment history | Credit score history |
|
Active / total loans:
| 1 / 2 |
On-time:
| 56 ( 98% )
| 660-679 (Latest)
|
|
Principal borrowed:
| $6,000.00 | < 31 days late:
| 1
( 2% )
| 620-639
(Oct-2009)
580-599
(Jun-2008)
560-579
(Apr-2008)
520-539
(Nov-2007)
|
|
Principal balance:
| $1,434.03 |
31+ days late:
| 0
( 0% )
|
|
Total payments billed:
| 57 | | |
Description
Lower monthly payments and terms
Purpose of loan:
This loan will be used to...
My financial situation:
I am a good candidate for this loan because...
Monthly net income: $4100
Monthly expenses: $
Housing: $800
Insurance: $130
Car expenses: $
Utilities: $205
Phone, cable, internet: $
Food, entertainment: $
Clothing, household expenses: $
Credit cards and other loans: $
Other expenses: $
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
530195
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:
| 36 months | | | | |
|
|
Lender yield:
| 16.99% |
Borrower rate/APR:
| 17.99% / 20.20% |
Monthly payment:
| $433.77 |
| |
|
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:
| Jun-1993 |
Debt/Income ratio:
| 9% |
|
Credit score:
| 640-659 (Sep-2011) |
Inquiries last 6m:
| 3 | Employment status: | Employed |
|
Now delinquent:
| 0 |
Current / open credit lines:
| 7
/
7 | Length of status: | 14y 0m |
|
Amount delinquent:
| $0 |
Total credit lines:
| 10 |
Occupation: | Teacher |
|
Public records last 12m / 10y:
| 0/ 1 |
Revolving credit balance:
| $2,653 | Stated income: | $75,000-$99,999 |
|
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 13% | | |
| | |
Homeownership:
| No | | |
|
Screen name:
| liberty-hercules5 |
Borrower's state:
| NewJersey |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Description
personal loan
Purpose of loan: debt consolidate
This loan will be used to...
Pay down debt
My financial situation:
I am a good candidate for this loan because...
I have a secure job that makes good compensation
Monthly net income: $5000
Monthly expenses: $
Housing: $1200
Insurance: $300
Car expenses: $1000
Utilities: $
Phone, cable, internet: $
Food, entertainment: $300
Clothing, household expenses: $
Credit cards and other loans: $100
Other expenses: $500
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
530263
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:
| $16,000.00 |
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:
| $546.07 |
| |
|
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:
| May-1999 |
Debt/Income ratio:
| 18% |
|
Credit score:
| 760-779 (Sep-2011) |
Inquiries last 6m:
| 0 | Employment status: | Employed |
|
Now delinquent:
| 0 |
Current / open credit lines:
| 4
/
4 | Length of status: | 10y 0m |
|
Amount delinquent:
| $0 |
Total credit lines:
| 9 |
Occupation: | Executive |
|
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $373 | Stated income: | $25,000-$49,999 |
|
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 5% | | |
| | |
Homeownership:
| No | | |
|
Screen name:
| the-fairness-cluster |
Borrower's state:
| Wisconsin |
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
Start-Up Business Loan
Purpose of loan:
This loan will be used for the funding of a start-up internet-based business. It will cover the costs of the website, legal fees, advertising, and operating expenses up to the break-even point.
My financial situation:
I am a good candidate for this loan because I hold a stable, full-time position, of which I will work alongside as the business takes off. I have done my due diligence and created a business plan with extensive financial spreadsheets, along with a marketing plan. I am fully confident the business will generate both impressive revenues and profits along with continued growth.
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
530265
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):
| 8 |
First credit line:
| Apr-2002 |
Debt/Income ratio:
| 17% |
|
Credit score:
| 680-699 (Sep-2011) |
Inquiries last 6m:
| 0 | Employment status: | Employed |
|
Now delinquent:
| 0 |
Current / open credit lines:
| 5
/
5 | Length of status: | 3y 10m |
|
Amount delinquent:
| $0 |
Total credit lines:
| 19 |
Occupation: | Teacher's Aide |
|
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $1,663 | Stated income: | $50,000-$74,999 |
|
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 15% | | |
| | |
Homeownership:
| No | | |
|
Screen name:
| hope-jubilee3 |
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
Loan
No description is available.
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
530281
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:
| Mar-1980 |
Debt/Income ratio:
| 11% |
|
Credit score:
| 680-699 (Sep-2011) |
Inquiries last 6m:
| 0 | Employment status: | Employed |
|
Now delinquent:
| 3 |
Current / open credit lines:
| 6
/
4 | Length of status: | 2y 8m |
|
Amount delinquent:
| $1,061 |
Total credit lines:
| 33 |
Occupation: | Sales - Retail |
|
Public records last 12m / 10y:
| 0/ 1 |
Revolving credit balance:
| $2,679 | Stated income: | $50,000-$74,999 |
|
Delinquencies in last 7y:
| 62 |
Bankcard utilization:
| 72% | | |
| | |
Homeownership:
| No | | |
|
Screen name:
| rupee-mangrove3 |
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
sweet heat
No description is available.
Information in the Description is not verified.