Listing Report:Supplement No. 17 dated Oct 17, 2011 to Prospectus dated Oct 07, 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 Oct 07, 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 Oct 07, 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
528152
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount:
| $15,000.00 |
Prosper Rating:
| B |
Listing Duration:
| 14 days
|
Minimum Amount to Fund:
| $15,000 |
Estimated loss*:
| 5.20% | | |
Term:
| 36 months | | | | |
|
Lender yield:
| 15.56% |
Borrower rate/APR:
| 16.56% / 18.75% |
Monthly payment:
| $531.51 |
|
Lender servicing fee:
| 1.00% |
Effective Yield*:
| 15.29% | | |
| |
Estimated return*:
| 10.09% | | |
* 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-1998 |
Debt/Income ratio:
| 65% |
Credit score:
| 700-719 (Sep-2011) |
Inquiries last 6m:
| 1 | Employment status: | Employed |
Now delinquent:
| 0 |
Current / open credit lines:
| 13
/
13 | Length of status: | 3y 2m |
Amount delinquent:
| $0 |
Total credit lines:
| 40 |
Occupation: | Teacher |
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $30,784 | Stated income: | $50,000-$74,999 |
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 69% | | |
| |
Homeownership:
| Yes | | |
Screen name:
| VLAMAMA |
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.
Prosper Activity
Loan history | Payment history | Credit score history |
Active / total loans:
| 1 / 1 |
On-time:
| 21 ( 100% )
| 700-719 (Latest)
|
Principal borrowed:
| $11,500.00 | < 31 days late:
| 0
( 0% )
| 700-719
(Dec-2009)
|
Principal balance:
| $5,181.78 |
31+ days late:
| 0
( 0% )
|
Total payments billed:
| 21 | | |
Description
Debt Consolidation
Purpose of loan: Consolidate debt
This loan will be used to... Pay Off/Close out 3 Credit Cards
My financial situation: 2 Full-Time Educators, plus live-in parent paying rent. Working on paying down debt now that our last child will be finishing daycare.
I am a good candidate for this loan because... We have never missed a payment. We take the payment of our debts seriously, and are working to simplify our payments and pay things off in a timely manor.
Monthly net income: $6400
Monthly expenses: $5000
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
528942
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount:
| $4,000.00 |
Prosper Rating:
| B |
Listing Duration:
| 14 days
|
Minimum Amount to Fund:
| $2,800 |
Estimated loss*:
| 5.95% | | |
Term:
| 36 months | | | | |
|
Lender yield:
| 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-1995 |
Debt/Income ratio:
| 15% |
Credit score:
| 640-659 (Sep-2011) |
Inquiries last 6m:
| 0 | Employment status: | Employed |
Now delinquent:
| 1 |
Current / open credit lines:
| 5
/
5 | Length of status: | 0y 7m |
Amount delinquent:
| $37 |
Total credit lines:
| 8 |
Occupation: | Administrative Assi... |
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $823 | Stated income: | $1-$24,999 |
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 15% | | |
| |
Homeownership:
| No | | |
Screen name:
| auction-sunshine4 |
Borrower's state:
| Arizona |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Description
Consolidate debt which include cred
Purpose of loan:
This loan will be used to...pay off credit card bills, pay off car title loan, to lower my monthly bills so that I can begin saving to purchase a home
My financial situation:
I am a good candidate for this loan because...I pay my bills on time and I am trying to build stronger credit so that I can get a better interest
rate when I purchase a house.
Monthly net income: 1600
Monthly expenses: $1331
Housing: $550
Insurance: $66
Car expenses: $25
Utilities: $150
Phone, cable, internet:100
Food, entertainment: $200
Clothing, household expenses: 50
Credit cards and other loans: $190
Other expenses: $
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
531204
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
|
Minimum Amount to Fund:
| $12,000 |
Estimated loss*:
| 5.20% | | |
Term:
| 36 months | | | | |
|
Lender yield:
| 15.56% |
Borrower rate/APR:
| 16.56% / 18.75% |
Monthly payment:
| $425.21 |
|
Lender servicing fee:
| 1.00% |
Effective Yield*:
| 15.29% | | |
| |
Estimated return*:
| 10.09% | | |
* 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-1997 |
Debt/Income ratio:
| 31% |
Credit score:
| 680-699 (Oct-2011) |
Inquiries last 6m:
| 0 | Employment status: | Employed |
Now delinquent:
| 0 |
Current / open credit lines:
| 3
/
3 | Length of status: | 8y 5m |
Amount delinquent:
| $0 |
Total credit lines:
| 7 |
Occupation: | Postal Service |
Public records last 12m / 10y:
| 0/ 1 |
Revolving credit balance:
| $4,688 | Stated income: | $25,000-$49,999 |
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 89% | | |
| |
Homeownership:
| No | | |
Screen name:
| wiki2008 |
Borrower's state:
| Ohio |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan history | Payment history | Credit score history |
Active / total loans:
| 0 / 1 |
On-time:
| 35 ( 100% )
| 680-699 (Latest)
|
Principal borrowed:
| $5,000.00 | < 31 days late:
| 0
( 0% )
| 680-699
(Mar-2008)
|
Principal balance:
| $0.00 |
31+ days late:
| 0
( 0% )
|
Total payments billed:
| 35 | | |
Description
Debt Consolidation
Purpose of loan: Consolidate debt
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
531574
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:
| E |
Listing Duration:
| 14 days
|
Minimum Amount to Fund:
| $4,550 |
Estimated loss*:
| 14.90% | | |
Term:
| 36 months | | | | |
|
Lender yield:
| 30.60% |
Borrower rate/APR:
| 31.60% / 35.24% |
Monthly payment:
| $281.66 |
|
Lender servicing fee:
| 1.00% |
Effective Yield*:
| 29.20% | | |
| |
Estimated return*:
| 14.30% | | |
* 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:
| Aug-2003 |
Debt/Income ratio:
| Self-employed (DTI Not Calculated) |
Credit score:
| 640-659 (Oct-2011) |
Inquiries last 6m:
| 0 | Employment status: | Self-employed |
Now delinquent:
| 0 |
Current / open credit lines:
| 5
/
5 | Length of status: | 1y 8m |
Amount delinquent:
| $0 |
Total credit lines:
| 10 |
Occupation: | Executive |
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $17,144 | Stated income: | $25,000-$49,999 |
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 100% | | |
| |
Homeownership:
| Yes | | |
Screen name:
| g3machine |
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.
Prosper Activity
Loan history | Payment history | Credit score history |
Active / total loans:
| 0 / 1 |
On-time:
| 16 ( 100% )
| 640-659 (Latest)
|
Principal borrowed:
| $15,000.00 | < 31 days late:
| 0
( 0% )
| 620-639
(Oct-2010)
640-659
(Sep-2010)
780-799
(Mar-2010)
760-779
(May-2007)
|
Principal balance:
| $0.02 |
31+ days late:
| 0
( 0% )
|
Total payments billed:
| 16 | | |
Description
After School Club Equipment
This loan for our new After School Clubs at our existing for-profit Children's Museum. Starting in Winter 2012 we will offer five clubs that run one day per week, for eight weeks, then again in Summer and Fall.
The Clubs provide exceptional benefits, engaging exploration, problem solving, creative expression, and interim supervision. Our existing customers immediately got excited and begged us to develop the programs.
The Robotics Club will require a $3000 investment for five years (with three seasons per year). Each season should bring in between $800 to $1200 with 75% budgeted for equipment, easily repaying the investment plus interest.
Art Club Invest $300, Supplies $500, Income $1600
Lego Club Invest $600, Income $1400
Electronics Club Invest $500, Supplies $100, Income $800
Culinary Club Invest $300, Supplies $400, Income $1000
Combined Advertising Invest $600
Principle: $6,500
Three Year Interest: $3,500
Three Year Income: $18,000 - $22,000
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
532438
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount:
| $15,000.00 |
Prosper Rating:
| B |
Listing Duration:
| 14 days
|
Minimum Amount to Fund:
| $10,500 |
Estimated loss*:
| 5.20% | | |
Term:
| 36 months | | | | |
|
Lender yield:
| 15.56% |
Borrower rate/APR:
| 16.56% / 18.75% |
Monthly payment:
| $531.51 |
|
Lender servicing fee:
| 1.00% |
Effective Yield*:
| 15.29% | | |
| |
Estimated return*:
| 10.09% | | |
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10):
| 7 |
First credit line:
| Oct-1990 |
Debt/Income ratio:
| 19% |
Credit score:
| 760-779 (Oct-2011) |
Inquiries last 6m:
| 1 | Employment status: | Employed |
Now delinquent:
| 0 |
Current / open credit lines:
| 26
/
21 | Length of status: | 4y 4m |
Amount delinquent:
| $0 |
Total credit lines:
| 66 |
Occupation: | Executive |
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $15,730 | Stated income: | $100,000+ |
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 63% | | |
| |
Homeownership:
| Yes | | |
Screen name:
| Colonel2011 |
Borrower's state:
| Kentucky |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan history | Payment history | Credit score history |
Active / total loans:
| 0 / 1 |
On-time:
| 31 ( 97% )
| 760-779 (Latest)
|
Principal borrowed:
| $17,500.00 | < 31 days late:
| 1
( 3% )
| 740-759
(Mar-2008)
|
Principal balance:
| $0.00 |
31+ days late:
| 0
( 0% )
|
Total payments billed:
| 32 | | |
Description
Paying off High Interest Debt
Purpose of loan:
Accumulated debt during a lengthy divorce process; using loan to pay off high interest debt.
My financial situation:
I am working diligently to re-establish an exemplary credit rating following lengthy divorce settlement process. As a result of paying off high interest debt with this loan I will only have my home and automobile expenses and student loans remaining. I will even have a little left over to do some DIY remodeling projects.
Monthly net income: $
Monthly expenses: $
Housing: $
Insurance: $
Car expenses: $
Utilities: $
Phone, cable, internet: $
Food, entertainment: $
Clothing, household expenses: $
Credit cards and other loans: $
Other expenses: $
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
532506
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount:
| $4,000.00 |
Prosper Rating:
| HR |
Listing Duration:
| 14 days
|
Minimum Amount to Fund:
| $2,800 |
Estimated loss*:
| 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:
| Sep-2005 |
Debt/Income ratio:
| Not calculated |
Credit score:
| 700-719 (Oct-2011) |
Inquiries last 6m:
| 4 | Employment status: | Employed |
Now delinquent:
| 0 |
Current / open credit lines:
| 4
/
4 | Length of status: | 3y 3m |
Amount delinquent:
| $0 |
Total credit lines:
| 5 |
Occupation: | Sales - Retail |
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $2,277 | Stated income: | $25,000-$49,999 |
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 37% | | |
| |
Homeownership:
| No | | |
Screen name:
| astute-trade5 |
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
Consolidating CC and bachelor degre
Purpose of loan:
consolidate School loan and CC debt
My financial situation:
I am a good candidate for this loan because...realiable, good credit, steady living and working environment no big variables in my life
Monthly net income: $2050
Monthly expenses: $1000
Housing: $100
Insurance: $65
Car expenses: $100
Utilities: $0
Phone, cable, internet: $35
Food, entertainment: $100
Clothing, household expenses: $50
Credit cards and other loans: $200
Other expenses: $400
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
532548
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount:
| $2,000.00 |
Prosper Rating:
| E |
Listing Duration:
| 14 days
|
Minimum Amount to Fund:
| $2,000 |
Estimated loss*:
| 14.70% | | |
Term:
| 36 months | | | | |
|
Lender yield:
| 30.49% |
Borrower rate/APR:
| 31.49% / 35.13% |
Monthly payment:
| $86.54 |
|
Lender servicing fee:
| 1.00% |
Effective Yield*:
| 29.09% | | |
| |
Estimated return*:
| 14.39% | | |
* 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-1989 |
Debt/Income ratio:
| Self-employed (DTI Not Calculated) |
Credit score:
| 700-719 (Oct-2011) |
Inquiries last 6m:
| 0 | Employment status: | Self-employed |
Now delinquent:
| 0 |
Current / open credit lines:
| 6
/
4 | Length of status: | 17y 5m |
Amount delinquent:
| $0 |
Total credit lines:
| 20 |
Occupation: | Other |
Public records last 12m / 10y:
| 0/ 1 |
Revolving credit balance:
| $2,711 | Stated income: | $25,000-$49,999 |
Delinquencies in last 7y:
| 12 |
Bankcard utilization:
| 48% | | |
| |
Homeownership:
| No | | |
Screen name:
| worth-mermaid3 |
Borrower's state:
| Indiana |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Description
Loan Payoff
Purpose of loan:
This loan will be used to pay off an ex-wife's school loan.
My financial situation:
I am a good candidate for this loan because I am a hard worker and my business is really busy and continues to grow.
Housing: $0.00
Insurance: $52.00
Utilities: $100.00
Phone, cable, internet: $150.00
Food, entertainment: $200.00
Credit cards and other loans: $400.00
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
532596
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount:
| $5,000.00 |
Prosper Rating:
| E |
Listing Duration:
| 14 days
|
Minimum Amount to Fund:
| $3,500 |
Estimated loss*:
| 14.70% | | |
Term:
| 36 months | | | | |
|
Lender yield:
| 30.49% |
Borrower rate/APR:
| 31.49% / 35.13% |
Monthly payment:
| $216.36 |
|
Lender servicing fee:
| 1.00% |
Effective Yield*:
| 29.09% | | |
| |
Estimated return*:
| 14.39% | | |
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10):
| 5 |
First credit line:
| Sep-1995 |
Debt/Income ratio:
| 25% |
Credit score:
| 660-679 (Oct-2011) |
Inquiries last 6m:
| 0 | Employment status: | Employed |
Now delinquent:
| 1 |
Current / open credit lines:
| 12
/
13 | Length of status: | 2y 2m |
Amount delinquent:
| $550 |
Total credit lines:
| 31 |
Occupation: | Teacher |
Public records last 12m / 10y:
| 0/ 1 |
Revolving credit balance:
| $1,732 | Stated income: | $25,000-$49,999 |
Delinquencies in last 7y:
| 18 |
Bankcard utilization:
| 50% | | |
| |
Homeownership:
| Yes | | |
Screen name:
| diversification-circuitry |
Borrower's state:
| Missouri |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Description
The Overwhelmed Teacher
Purpose of loan: Personal
This loan will be used to...catch up on misc. smaller bills, property taxes, medical debt so I can establish a montly budget.
My financial situation: I am emplyed full time as a teacher and my husband is a certified welder. Continued employment for both of us is extremely likely. A slight medical condition caused my husband to miss some work this summer and we have fallen behind.
I am a good candidate for this loan because... steady employment and a strong desire to succeed financially...I want things to get better. Willing to set up automatic withdrawal for payments.
Monthly net income: $1800
Monthly expenses: $
Housing: $400
Insurance: $200
Car expenses: $150
Utilities: $200
Phone, cable, internet: $
Food, entertainment: $350
Clothing, household expenses: $ 250
Credit cards and other loans: $100
Other expenses: $
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
532682
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount:
| $25,000.00 |
Prosper Rating:
| A |
Listing Duration:
| 14 days
|
Minimum Amount to Fund:
| $17,500 |
Estimated loss*:
| 3.80% | | |
Term:
| 36 months | | | | |
|
Lender yield:
| 12.90% |
Borrower rate/APR:
| 13.90% / 16.06% |
Monthly payment:
| $853.23 |
|
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:
| Apr-1989 |
Debt/Income ratio:
| 10% |
Credit score:
| 720-739 (Oct-2011) |
Inquiries last 6m:
| 3 | Employment status: | Employed |
Now delinquent:
| 0 |
Current / open credit lines:
| 10
/
10 | Length of status: | 5y 7m |
Amount delinquent:
| $0 |
Total credit lines:
| 26 |
Occupation: | Professional |
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $14,421 | Stated income: | $100,000+ |
Delinquencies in last 7y:
| 4 |
Bankcard utilization:
| 33% | | |
| |
Homeownership:
| Yes | | |
Screen name:
| elegant-principal7 |
Borrower's state:
| Arkansas |
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
KV Loan
Purpose of loan:
This loan will be used to...
My financial situation:
I am a good candidate for this loan because...
I earn around $200,000 per year. I need the personal loan because I opened an Indian Restaurant in early 2011 and an Indian Grocery store in late 2010 . I am a 30% partner. It required a total investment of $600,000. I have invested appox. $200,000 mostly with my savings and $50,000 personal loans. I want to consolidate all my debt into one. Both the business are running great with monthly sales of $200,000. We are getting liquor licence and renting a banquet hall that will need some more investment.
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
532830
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:
| E |
Listing Duration:
| 14 days
|
Minimum Amount to Fund:
| $2,100 |
Estimated loss*:
| 14.70% | | |
Term:
| 36 months | | | | |
|
Lender yield:
| 30.49% |
Borrower rate/APR:
| 31.49% / 35.13% |
Monthly payment:
| $129.82 |
|
Lender servicing fee:
| 1.00% |
Effective Yield*:
| 29.09% | | |
| |
Estimated return*:
| 14.39% | | |
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10):
| 4 |
First credit line:
| Dec-1980 |
Debt/Income ratio:
| Self-employed (DTI Not Calculated) |
Credit score:
| 720-739 (Oct-2011) |
Inquiries last 6m:
| 0 | Employment status: | Self-employed |
Now delinquent:
| 0 |
Current / open credit lines:
| 14
/
8 | Length of status: | 37y 0m |
Amount delinquent:
| $0 |
Total credit lines:
| 29 |
Occupation: | Other |
Public records last 12m / 10y:
| 0/ 1 |
Revolving credit balance:
| $18,643 | Stated income: | $50,000-$74,999 |
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 57% | | |
| |
Homeownership:
| No | | |
Screen name:
| friendly-reward939 |
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.
Description
friendly-reward939
Purpose of loan:
This loan will be used topay off a few small bills and take a very badly needed vacation. My wife and I have beenunder a large amount of stress lately, and for health purposes we need a little time away.
My financial situation:
I am a good candidate for this loan because i have had alot of credit over the past 35 years,and have never defaulted on any account. I have been woking hard atpaying off debt over the past 3 years especially, and this will be the firstloan requestfor me in avery long time. Over the past 3 years we have cut our debt load almost in half, and will continue to do so.
Monthly net income: $4,000
Monthly expenses: $2,371
Housing: $0-manager residence
Insurance: $61
Car expenses: $60
Utilities: $0-paid by business
Phone, cable, internet: $0-paid by business
Food, entertainment: $400
Clothing, household expenses: $150
Credit cards and other loans: $1700
Other expenses: $
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
532892
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount:
| $2,000.00 |
Prosper Rating:
| E |
Listing Duration:
| 14 days
|
Minimum Amount to Fund:
| $2,000 |
Estimated loss*:
| 13.85% | | |
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*:
| 10.67% | | |
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10):
| 4 |
First credit line:
| Jun-1993 |
Debt/Income ratio:
| 32% |
Credit score:
| 680-699 (Oct-2011) |
Inquiries last 6m:
| 0 | Employment status: | Employed |
Now delinquent:
| 1 |
Current / open credit lines:
| 18
/
14 | Length of status: | 16y 3m |
Amount delinquent:
| $68,304 |
Total credit lines:
| 53 |
Occupation: | Military Officer |
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $33,269 | Stated income: | $100,000+ |
Delinquencies in last 7y:
| 32 |
Bankcard utilization:
| 100% | | |
| |
Homeownership:
| Yes | | |
Screen name:
| auction-warmth |
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
Car Repair
Purpose of loan:
My fiancee was recently scammed by a loan company that requested he send money in advance of the loan distribution via western union. The vehicle is in the shop and ready to be picked up.
My financial situation:
I do not have any housing expenses because we are in the process of moving to a different state. We need the money immediately.
Monthly net income: $6000
Monthly expenses: $500 (daycare and tuition)
Housing: $0
Insurance: $250
Car expenses: $1150
Utilities: $
Phone, cable, internet: $300
Food, entertainment: $300
Clothing, household expenses: $0
Credit cards and other loans: $1500
Other expenses: $
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
532940
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
|
Minimum Amount to Fund:
| $4,900 |
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:
| May-2000 |
Debt/Income ratio:
| 14% |
Credit score:
| 660-679 (Oct-2011) |
Inquiries last 6m:
| 1 | Employment status: | Employed |
Now delinquent:
| 0 |
Current / open credit lines:
| 10
/
10 | Length of status: | 9y 1m |
Amount delinquent:
| $0 |
Total credit lines:
| 48 |
Occupation: | Civil Service |
Public records last 12m / 10y:
| 0/ 1 |
Revolving credit balance:
| $2,203 | Stated income: | $100,000+ |
Delinquencies in last 7y:
| 31 |
Bankcard utilization:
| 54% | | |
| |
Homeownership:
| No | | |
Screen name:
| cincy21 |
Borrower's state:
| Virginia |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Description
Accepting promotion need $ for move
Purpose of loan: I accepted a promotion and will be required to move. My employer does not pay relocation. I have been with the same employer for over 9+ years and have moved 3 times for promotions.
My financial situation:
I ran owned a restaurant 5 years ago which failed and I was forced to file bankruptcy. Luckily, I did not quit my job. My total debt is very low compared to my income. This is a 100% safe loan with automatic payments.
Monthly net income: $5,256
Monthly expenses: $~400
Housing: $1500
Insurance: $140
Car expenses: $567
Utilities: $~350
Phone, cable, internet: $175
Food, entertainment: $~600
Clothing, household expenses: $~200
Credit cards: $140
School loans: $125
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
532958
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount:
| $3,200.00 |
Prosper Rating:
| C |
Listing Duration:
| 14 days
|
Minimum Amount to Fund:
| $2,240 |
Estimated loss*:
| 8.50% | | |
Term:
| 36 months | | | | |
|
Lender yield:
| 21.05% |
Borrower rate/APR:
| 22.05% / 25.49% |
Monthly payment:
| $122.29 |
|
Lender servicing fee:
| 1.00% |
Effective Yield*:
| 20.56% | | |
| |
Estimated return*:
| 12.06% | | |
* 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:
| Feb-1995 |
Debt/Income ratio:
| 31% |
Credit score:
| 660-679 (Oct-2011) |
Inquiries last 6m:
| 1 | Employment status: | Other |
Now delinquent:
| 0 |
Current / open credit lines:
| 21
/
20 | Length of status: | 7y 3m |
Amount delinquent:
| $0 |
Total credit lines:
| 46 | Stated income: | $50,000-$74,999 |
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $22,799 | |
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 83% | | |
| |
Homeownership:
| Yes | | |
Screen name:
| steelersfan12 |
Borrower's state:
| Florida |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan history | Payment history | Credit score history |
Active / total loans:
| 1 / 2 |
On-time:
| 50 ( 100% )
| 660-679 (Latest)
|
Principal borrowed:
| $14,000.00 | < 31 days late:
| 0
( 0% )
| 760-779
(Jun-2010)
680-699
(Aug-2008)
|
Principal balance:
| $1,218.20 |
31+ days late:
| 0
( 0% )
|
Total payments billed:
| 50 | | |
Description
small renovation
Purpose of loan:
This loan will be used to...to continue a small renovation, I have been here on prosper and have just paid my loan off,I have alway been on time and my funds are automatically withdrawn from my account
My financial situation: 68000
I am a good candidate for this loan because...my recent payment histoy with prosper i have never been late on my payments.
I am retired with partime employment currently from a career in law enforcement.
Monthly net income: $6800
Monthly expenses: $
Housing: $1620.00
Insurance: $
Car expenses: $0
Utilities: $300
Phone, cable, internet: $80
Food, entertainment: $400
Clothing, household expenses: $
Credit cards and other loans: $
Other expenses: $
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
532992
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount:
| $15,000.00 |
Prosper Rating:
| B |
Listing Duration:
| 14 days
|
Minimum Amount to Fund:
| $10,500 |
Estimated loss*:
| 5.95% | | |
Term:
| 36 months | | | | |
|
Lender yield:
| 16.99% |
Borrower rate/APR:
| 17.99% / 20.20% |
Monthly payment:
| $542.21 |
|
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-1991 |
Debt/Income ratio:
| 19% |
Credit score:
| 720-739 (Oct-2011) |
Inquiries last 6m:
| 0 | Employment status: | Employed |
Now delinquent:
| 0 |
Current / open credit lines:
| 19
/
15 | Length of status: | 2y 1m |
Amount delinquent:
| $0 |
Total credit lines:
| 36 |
Occupation: | Professional |
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $29,382 | Stated income: | $100,000+ |
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 80% | | |
| |
Homeownership:
| Yes | | |
Screen name:
| benjamins-tamer |
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
Consolidation of High Interest Debt
No description is available.
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
533024
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount:
| $10,000.00 |
Prosper Rating:
| D |
Listing Duration:
| 14 days
|
Minimum Amount to Fund:
| $7,000 |
Estimated loss*:
| 11.20% | | |
Term:
| 36 months | | | | |
|
Lender yield:
| 24.99% |
Borrower rate/APR:
| 25.99% / 29.51% |
Monthly payment:
| $402.85 |
|
Lender servicing fee:
| 1.00% |
Effective Yield*:
| 24.37% | | |
| |
Estimated return*:
| 13.17% | | |
* 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:
| Apr-1997 |
Debt/Income ratio:
| Self-employed (DTI Not Calculated) |
Credit score:
| 720-739 (Oct-2011) |
Inquiries last 6m:
| 0 | Employment status: | Self-employed |
Now delinquent:
| 0 |
Current / open credit lines:
| 12
/
10 | Length of status: | 2y 5m |
Amount delinquent:
| $0 |
Total credit lines:
| 16 |
Occupation: | Construction |
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $18,161 | Stated income: | $50,000-$74,999 |
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 33% | | |
| |
Homeownership:
| No | | |
Screen name:
| bold-brilliant-commitment |
Borrower's state:
| Oklahoma |
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
Buisness
Purpose of loan:Business
This loan will be used to...make payroll until draw of payment
My financial situation:
I am a good candidate for this loan because. the only reason I'm in this situation is contractors holding money to long.
Monthly net income: $10,000
Monthly expenses: $3500.00
Housing: $1,000.oo
Insurance: $230.00
Car expenses: $0
Utilities: $350.00
Phone, cable, internet: $115.00
Food, entertainment: $200.00
Clothing, household expenses: $200.00
Credit cards and other loans: $250.00
Other expenses: $200.00
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
533090
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount:
| $7,500.00 |
Prosper Rating:
| E |
Listing Duration:
| 14 days
|
Minimum Amount to Fund:
| $5,250 |
Estimated loss*:
| 14.70% | | |
Term:
| 36 months | | | | |
|
Lender yield:
| 30.49% |
Borrower rate/APR:
| 31.49% / 35.13% |
Monthly payment:
| $324.54 |
|
Lender servicing fee:
| 1.00% |
Effective Yield*:
| 29.09% | | |
| |
Estimated return*:
| 14.39% | | |
* 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:
| Apr-1998 |
Debt/Income ratio:
| Self-employed (DTI Not Calculated) |
Credit score:
| 660-679 (Oct-2011) |
Inquiries last 6m:
| 0 | Employment status: | Self-employed |
Now delinquent:
| 0 |
Current / open credit lines:
| 11
/
9 | Length of status: | 5y 9m |
Amount delinquent:
| $0 |
Total credit lines:
| 18 |
Occupation: | Sales - Retail |
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $5,373 | Stated income: | $100,000+ |
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 71% | | |
| |
Homeownership:
| Yes | | |
Screen name:
| felicity-elm1 |
Borrower's state:
| Georgia |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Description
My loan for debt consolidation
No description is available.
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
533102
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount:
| $5,000.00 |
Prosper Rating:
| D |
Listing Duration:
| 14 days
|
Minimum Amount to Fund:
| $3,500 |
Estimated loss*:
| 10.50% | | |
Term:
| 36 months | | | | |
|
Lender yield:
| 24.74% |
Borrower rate/APR:
| 25.74% / 29.25% |
Monthly payment:
| $200.76 |
|
Lender servicing fee:
| 1.00% |
Effective Yield*:
| 24.13% | | |
| |
Estimated return*:
| 13.63% | | |
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10):
| 2 |
First credit line:
| May-1984 |
Debt/Income ratio:
| Not calculated |
Credit score:
| 680-699 (Oct-2011) |
Inquiries last 6m:
| 0 | Employment status: | Other |
Now delinquent:
| 2 |
Current / open credit lines:
| 7
/
7 | Length of status: | 2y 11m |
Amount delinquent:
| $403 |
Total credit lines:
| 29 | Stated income: | $50,000-$74,999 |
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $3,640 | |
Delinquencies in last 7y:
| 3 |
Bankcard utilization:
| 58% | | |
| |
Homeownership:
| Yes | | |
Screen name:
| marodale22 |
Borrower's state:
| NewYork |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan history | Payment history | Credit score history |
Active / total loans:
| 1 / 2 |
On-time:
| 55 ( 100% )
| 680-699 (Latest)
|
Principal borrowed:
| $7,000.00 | < 31 days late:
| 0
( 0% )
| 700-719
(Jan-2010)
520-539
(Jan-2008)
520-539
(Nov-2007)
640-659
(May-2006)
|
Principal balance:
| $1,397.78 |
31+ days late:
| 0
( 0% )
|
Total payments billed:
| 55 | | |
Description
Payoffs and consolidation
Purpose of loan:
This loan will be used to lower interest rates and to pay off smaller bills to improve my overall credit faster.
My financial situation:
I am a good candidate for this loan because my major two bills for my mortgage and for my prosper loan have consistantly been paid on time for the past several years. Since some of my creditors are charging over 20% on credit payments, I am attempting to get better terms or dissolving those bills. I will be paying off the balance on my prosper loan of $1300, since I only want to carry one prosper loan at a time. My house payment includes taxes, insurance and interest.
Monthly net income: $4300
Monthly expenses: $3571
Housing: $2176
Insurance: $
Car expenses: $225
Utilities: $400
Phone, cable, internet: $200
Food, entertainment: $250
Clothing, household expenses: $100
Credit cards and other loans: $220
Other expenses: $
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
533112
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount:
| $15,000.00 |
Prosper Rating:
| B |
Listing Duration:
| 14 days
|
Minimum Amount to Fund:
| $10,500 |
Estimated loss*:
| 5.95% | | |
Term:
| 36 months | | | | |
|
Lender yield:
| 16.99% |
Borrower rate/APR:
| 17.99% / 20.20% |
Monthly payment:
| $542.21 |
|
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-1995 |
Debt/Income ratio:
| 8% |
Credit score:
| 700-719 (Oct-2011) |
Inquiries last 6m:
| 1 | Employment status: | Employed |
Now delinquent:
| 3 |
Current / open credit lines:
| 8
/
2 | Length of status: | 4y 9m |
Amount delinquent:
| $118,916 |
Total credit lines:
| 36 |
Occupation: | Executive |
Public records last 12m / 10y:
| 0/ 2 |
Revolving credit balance:
| $3,107 | Stated income: | $100,000+ |
Delinquencies in last 7y:
| 20 |
Bankcard utilization:
| 41% | | |
| |
Homeownership:
| Yes | | |
Screen name:
| profitable-worth1 |
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
Motorcycle purchase
Purpose of loan:
This loan will be used to...
My financial situation:
I am a good candidate for this loan because...
Monthly net income: $15000.00
Monthly expenses: $3149.00
Housing: $1600.00
Insurance: $100.00
Car expenses: $550.00
Utilities: $200.00
Phone, cable, internet: $99.00
Food, entertainment: $600.00
Clothing, household expenses: $
Credit cards and other loans: $
Other expenses: $
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
533120
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount:
| $20,500.00 |
Prosper Rating:
| A |
Listing Duration:
| 14 days
|
Minimum Amount to Fund:
| $14,350 |
Estimated loss*:
| 2.00% | | |
Term:
| 36 months | | | | |
|
Lender yield:
| 10.10% |
Borrower rate/APR:
| 11.10% / 13.22% |
Monthly payment:
| $672.11 |
|
Lender servicing fee:
| 1.00% |
Effective Yield*:
| 10.07% | | |
| |
Estimated return*:
| 8.07% | | |
* 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-2000 |
Debt/Income ratio:
| 22% |
Credit score:
| 740-759 (Oct-2011) |
Inquiries last 6m:
| 1 | Employment status: | Employed |
Now delinquent:
| 1 |
Current / open credit lines:
| 5
/
5 | Length of status: | 5y 7m |
Amount delinquent:
| $234 |
Total credit lines:
| 12 |
Occupation: | Food Service Manage... |
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $823 | Stated income: | $75,000-$99,999 |
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 3% | | |
| |
Homeownership:
| No | | |
Screen name:
| Socorro_Capital_Partners |
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 / 1 |
On-time:
| 2 ( 100% )
| 740-759 (Latest)
|
Principal borrowed:
| $1,000.00 | < 31 days late:
| 0
( 0% )
| 520-539
(Apr-2008)
540-559
(Mar-2008)
|
Principal balance:
| $0.00 |
31+ days late:
| 0
( 0% )
|
Total payments billed:
| 2 | | |
Description
Add'l Down Payment 4 Home Purchase
Purpose of loan:
This loan will be used to...
I am taking advantage of the housing prices in Florida and will purchase an investment home. Rental income from the property is $1,500-$2,000 per month.
The property is located in Pembroke Pines, FL in the highly desirable Silver Lakes community. My brother just purchased a short sale home in the same area at 40% savings from the 2007 listed price.
My financial situation:
I am a good candidate for this loan because...
I have no other debt obligations except for a car note at $560/mo.
My Prosper lenders account is over $10K so I know what to look for in a borrower.
I am looking to add this loan to my current funds of $26K cash for a down payment to purchase a property. I have my pre-approved loan in hand from my bank.
Thank you to all who Prosper!!!
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
533154
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount:
| $7,500.00 |
Prosper Rating:
| E |
Listing Duration:
| 14 days
|
Minimum Amount to Fund:
| $5,250 |
Estimated loss*:
| 14.70% | | |
Term:
| 36 months | | | | |
|
Lender yield:
| 30.49% |
Borrower rate/APR:
| 31.49% / 35.13% |
Monthly payment:
| $324.54 |
|
Lender servicing fee:
| 1.00% |
Effective Yield*:
| 29.09% | | |
| |
Estimated return*:
| 14.39% | | |
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10):
| 4 |
First credit line:
| Dec-1984 |
Debt/Income ratio:
| Not calculated |
Credit score:
| 800-819 (Oct-2011) |
Inquiries last 6m:
| 3 | Employment status: | Other |
Now delinquent:
| 0 |
Current / open credit lines:
| 12
/
11 | Length of status: | 23y 0m |
Amount delinquent:
| $0 |
Total credit lines:
| 32 |
Occupation: | Other |
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $878 | Stated income: | $50,000-$74,999 |
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 0% | | |
| |
Homeownership:
| No | | |
Screen name:
| gold-cooker3 |
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
My Dreams
Purpose of loan:
This loan will be used to...
My financial situation:
I am a good candidate for this loan because...
Monthly net income: $5960
Monthly expenses: $3700
Housing: $750
Insurance: $425
Car expenses: $689
Utilities: $325
Phone, cable, internet: $260
Food, entertainment: $325
Clothing, household expenses: $150
Credit cards and other loans: $550
Other expenses: $200
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
533168
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount:
| $10,000.00 |
Prosper Rating:
| D |
Listing Duration:
| 14 days
|
Minimum Amount to Fund:
| $7,000 |
Estimated loss*:
| 11.20% | | |
Term:
| 36 months | | | | |
|
Lender yield:
| 24.99% |
Borrower rate/APR:
| 25.99% / 29.51% |
Monthly payment:
| $402.85 |
|
Lender servicing fee:
| 1.00% |
Effective Yield*:
| 24.37% | | |
| |
Estimated return*:
| 13.17% | | |
* 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-1997 |
Debt/Income ratio:
| 21% |
Credit score:
| 760-779 (Oct-2011) |
Inquiries last 6m:
| 1 | Employment status: | Employed |
Now delinquent:
| 0 |
Current / open credit lines:
| 6
/
6 | Length of status: | 0y 5m |
Amount delinquent:
| $0 |
Total credit lines:
| 10 |
Occupation: | Computer Programmer |
Public records last 12m / 10y:
| 0/ 1 |
Revolving credit balance:
| $2,077 | Stated income: | $25,000-$49,999 |
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 15% | | |
| |
Homeownership:
| No | | |
Screen name:
| top-keen-leverage |
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
Building Credit for Future Endeavor
Over the last several years I've taken advantage of economic opportunities that have come my way.I used to share the belief that paying with cash & debit was best, I discovered this would leave me with little credit history for future important purchases such as a house.So I began taking small to considerable sized loans to build my credit score into a respectable number.However, at this time I am under a purchase who's APR would push my payoff time further than I prefer. As I've listed below the amount from this purchase is $450 a month. The lower payment for a loan would justify an early payoff. The rate & monthly payment I saw from the website seemed fair & reasonable considering the principle &term of the loan, so I've decided to take advantage of a great economic opportunity as I know you can too if you would finance this loan.
Monthly income: $2800
Housing: $640
Car expenses: $270
Utilities: $270
Food: $400
Household exp: $100
Credit cards and other loans: $450
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
533180
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount:
| $10,000.00 |
Prosper Rating:
| D |
Listing Duration:
| 14 days
|
Minimum Amount to Fund:
| $7,000 |
Estimated loss*:
| 11.20% | | |
Term:
| 36 months | | | | |
|
Lender yield:
| 24.99% |
Borrower rate/APR:
| 25.99% / 29.51% |
Monthly payment:
| $402.85 |
|
Lender servicing fee:
| 1.00% |
Effective Yield*:
| 24.37% | | |
| |
Estimated return*:
| 13.17% | | |
* 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-1998 |
Debt/Income ratio:
| 15% |
Credit score:
| 680-699 (Oct-2011) |
Inquiries last 6m:
| 1 | Employment status: | Employed |
Now delinquent:
| 0 |
Current / open credit lines:
| 10
/
9 | Length of status: | 11y 4m |
Amount delinquent:
| $0 |
Total credit lines:
| 36 |
Occupation: | Fireman |
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $108,506 | Stated income: | $100,000+ |
Delinquencies in last 7y:
| 5 |
Bankcard utilization:
| 99% | | |
| |
Homeownership:
| Yes | | |
Screen name:
| unequivocal-peace1 |
Borrower's state:
| Illinois |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Description
Debt consolidation 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: $4000
Monthly expenses: $2500
Housing: $2000
Insurance: $125
Car expenses: $400
Utilities: $100
Phone, cable, internet: $
Food, entertainment: $
Clothing, household expenses: $
Credit cards and other loans: $1000
Other expenses: $
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
533190
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount:
| $4,000.00 |
Prosper Rating:
| HR |
Listing Duration:
| 14 days
|
Minimum Amount to Fund:
| $2,800 |
Estimated loss*:
| 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-1982 |
Debt/Income ratio:
| Not calculated |
Credit score:
| 700-719 (Oct-2011) |
Inquiries last 6m:
| 1 | Employment status: | Employed |
Now delinquent:
| 0 |
Current / open credit lines:
| 14
/
13 | Length of status: | 24y 0m |
Amount delinquent:
| $0 |
Total credit lines:
| 63 |
Occupation: | Retail Management |
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $37,828 | Stated income: | $0 |
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 91% | | |
| |
Homeownership:
| Yes | | |
Screen name:
| axis841 |
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
Soda
Purpose of loan:
This loan will be used to...private
My financial situation:
I am a good candidate for this loan because...
Employeed same employer 24 years. MBA so well educated. Not going
anywhere after 24 yrs. on the same job.
Monthly net income: $6000
Monthly expenses: $4500
Housing: $1366
Insurance: $83
Car expenses: $0.00
Utilities: $ included
Phone, cable, internet: $ included
Food, entertainment: $50
Clothing, household expenses: $50
Credit cards and other loans: $2000
Other expenses: $ none
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
533214
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount:
| $13,000.00 |
Prosper Rating:
| B |
Listing Duration:
| 14 days
|
Minimum Amount to Fund:
| $13,000 |
Estimated loss*:
| 5.95% | | |
Term:
| 36 months | | | | |
|
Lender yield:
| 16.99% |
Borrower rate/APR:
| 17.99% / 20.20% |
Monthly payment:
| $469.92 |
|
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-1992 |
Debt/Income ratio:
| 16% |
Credit score:
| 680-699 (Oct-2011) |
Inquiries last 6m:
| 0 | Employment status: | Employed |
Now delinquent:
| 1 |
Current / open credit lines:
| 9
/
9 | Length of status: | 12y 7m |
Amount delinquent:
| $215 |
Total credit lines:
| 34 |
Occupation: | Other |
Public records last 12m / 10y:
| 0/ 1 |
Revolving credit balance:
| $11,249 | Stated income: | $50,000-$74,999 |
Delinquencies in last 7y:
| 30 |
Bankcard utilization:
| 65% | | |
| |
Homeownership:
| No | | |
Screen name:
| sweety1985 |
Borrower's state:
| California |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Description
My loan for debt consolidation
Purpose of loan:
This loan will be used to pay off my credit card debt
My financial situation:
I am a good candidate for this loan because I am paying more than my minimum payment.to pay off my credit cards. I have a full time job that i have worked at for 12+ years.
Monthly net income: $5200
Monthly expenses: $5095.00
Housing: $1600
Insurance: $300
Car expenses: $420
Utilities: $325
Phone, cable, internet: $150
Food, entertainment: $1500
Clothing, household expenses: $200
Credit cards and other loans: $600
Other expenses: $
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
533256
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:
| $21,000.00 |
Prosper Rating:
| A |
Listing Duration:
| 14 days
|
Minimum Amount to Fund:
| $14,700 |
Estimated loss*:
| 3.80% | | |
Term:
| 36 months | | | | |
|
Lender yield:
| 12.90% |
Borrower rate/APR:
| 13.90% / 16.06% |
Monthly payment:
| $716.71 |
|
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:
| Mar-1995 |
Debt/Income ratio:
| 35% |
Credit score:
| 760-779 (Oct-2011) |
Inquiries last 6m:
| 0 | Employment status: | Employed |
Now delinquent:
| 0 |
Current / open credit lines:
| 16
/
15 | Length of status: | 7y 6m |
Amount delinquent:
| $0 |
Total credit lines:
| 51 |
Occupation: | Food Service |
Public records last 12m / 10y:
| 0/ 1 |
Revolving credit balance:
| $6,007 | Stated income: | $50,000-$74,999 |
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 14% | | |
| |
Homeownership:
| Yes | | |
Screen name:
| applelover77 |
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
Debt Consolidation
Purpose of loan:
This loan will be used to pay off existing debt and consolidate it into one payment.
My financial situation:
I am a good candidate for this loan because I have great payment history and have the desire to be debt free.
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
533266
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount:
| $3,000.00 |
Prosper Rating:
| D |
Listing Duration:
| 14 days
|
Minimum Amount to Fund:
| $2,100 |
Estimated loss*:
| 10.50% | | |
Term:
| 36 months | | | | |
|
Lender yield:
| 24.74% |
Borrower rate/APR:
| 25.74% / 29.25% |
Monthly payment:
| $120.46 |
|
Lender servicing fee:
| 1.00% |
Effective Yield*:
| 24.13% | | |
| |
Estimated return*:
| 13.63% | | |
* 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:
| Nov-2000 |
Debt/Income ratio:
| 21% |
Credit score:
| 620-639 (Oct-2011) |
Inquiries last 6m:
| 1 | Employment status: | Employed |
Now delinquent:
| 4 |
Current / open credit lines:
| 10
/
10 | Length of status: | 1y 7m |
Amount delinquent:
| $12,023 |
Total credit lines:
| 29 |
Occupation: | Scientist |
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $12,276 | Stated income: | $75,000-$99,999 |
Delinquencies in last 7y:
| 29 |
Bankcard utilization:
| 23% | | |
| |
Homeownership:
| No | | |
Screen name:
| plum782 |
Borrower's state:
| NewYork |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan history | Payment history | Credit score history |
Active / total loans:
| 1 / 1 |
On-time:
| 18 ( 100% )
| 620-639 (Latest)
|
Principal borrowed:
| $5,000.00 | < 31 days late:
| 0
( 0% )
| 640-659
(Mar-2010)
|
Principal balance:
| $2,868.97 |
31+ days late:
| 0
( 0% )
|
Total payments billed:
| 18 | | |
Description
Need a small temporary fund
Purpose of loan:
This loan will be used to pay for living expenses while off.
My financial situation:
I am a good candidate for this loan because I am a Senior Scientist. I am currently on maternity leave unpaid and need a few extra dollar to make ends meet here in NYC. My husband is an engineer and we have also ALWAYS paid our other prosper loan on time with direct debit.
Monthly net income: $9000
Housing: $2500
Insurance: $ 350
Car expenses: $ 800
Credit cards and other loans: $ 2000
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
533280
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:
| $9,443.00 |
Prosper Rating:
| A |
Listing Duration:
| 14 days
|
Minimum Amount to Fund:
| $9,443 |
Estimated loss*:
| 3.80% | | |
Term:
| 60 months | | | | |
|
Lender yield:
| 16.90% |
Borrower rate/APR:
| 17.90% / 19.33% |
Monthly payment:
| $239.28 |
|
Lender servicing fee:
| 1.00% |
Effective Yield*:
| 16.83% | | |
| |
Estimated return*:
| 13.03% | | |
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10):
| 8 |
First credit line:
| Jul-1999 |
Debt/Income ratio:
| 14% |
Credit score:
| 780-799 (Oct-2011) |
Inquiries last 6m:
| 0 | Employment status: | Employed |
Now delinquent:
| 0 |
Current / open credit lines:
| 3
/
2 | Length of status: | 3y 2m |
Amount delinquent:
| $0 |
Total credit lines:
| 5 |
Occupation: | Student - College G... |
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $2,095 | Stated income: | $1-$24,999 |
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 13% | | |
| |
Homeownership:
| No | | |
Screen name:
| ingenious-silver733 |
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
Engagement ring loan
Purpose of loan:
This loan will be used to buy the most incredible woman I know a beautiful engagement ring.
My financial situation:
I am a good candidate for this loan because I have already saved $4000 to make payments on the loan. I also divert any extra money at the end of each month into "Angela's ring fund." I will be graduating with my Ph.D. within the next 12 months. Due to my advisor's extensive connections within the biotechnology industry (he previously led the vaccine formulation division at Merck), graduates from my lab have experienced no problems in obtaining a job upon graduation.
Monthly net income: $ 1711.84
Monthly expenses: $ 1309.00
Housing: $ 509.00
Insurance: $ 0
Car expenses: $ 100.00
Utilities: $ 50.00
Phone, cable, internet: $ 0
Food, entertainment: $ 300.00
Clothing, household expenses: $ 100.00
Credit cards and other loans: $ 200.00
Other expenses: $ 50.00
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
533296
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
|
Minimum Amount to Fund:
| $7,700 |
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):
| 8 |
First credit line:
| Mar-1988 |
Debt/Income ratio:
| 30% |
Credit score:
| 760-779 (Oct-2011) |
Inquiries last 6m:
| 0 | Employment status: | Other |
Now delinquent:
| 0 |
Current / open credit lines:
| 11
/
10 | Length of status: | 0y 0m |
Amount delinquent:
| $0 |
Total credit lines:
| 26 |
Occupation: | Other |
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $15,641 | Stated income: | $50,000-$74,999 |
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 50% | | |
| |
Homeownership:
| Yes | | |
Screen name:
| sharp-basis6 |
Borrower's state:
| Florida |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Description
loan consolidation
Purpose of loan:
This loan will be used to...loan consolidation
My financial situation:
I am a good candidate for this loan because...
Monthly net income: $52,000
Monthly expenses: $3,000
Housing: $1,400
Insurance: $200,00
Car expenses: $100.00
Utilities: $350,00
Phone, cable, internet: $150,00
Food, entertainment: $800,00
Clothing, household expenses: $100,00
Credit cards and other loans: $21,774
Other expenses:
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
533338
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount:
| $4,000.00 |
Prosper Rating:
| HR |
Listing Duration:
| 14 days
|
Minimum Amount to Fund:
| $2,800 |
Estimated loss*:
| 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:
| Jan-1987 |
Debt/Income ratio:
| Self-employed (DTI Not Calculated) |
Credit score:
| 680-699 (Oct-2011) |
Inquiries last 6m:
| 0 | Employment status: | Self-employed |
Now delinquent:
| 0 |
Current / open credit lines:
| 10
/
10 | Length of status: | 9y 9m |
Amount delinquent:
| $0 |
Total credit lines:
| 23 |
Occupation: | Other |
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $30,055 | Stated income: | $50,000-$74,999 |
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 89% | | |
| |
Homeownership:
| Yes | | |
Screen name:
| commerce-galleon951 |
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
president
Purpose of loan: cash flow
This loan will be used to...pay for hearing aids I need to order.
My financial situation:
I am a good candidate for this loan because...I have been in the business for 27 years. I had a medical emergency which left me with a cash flow problem but business is good and steady and I am just having a temporary cash flow problem. As patients receive their hearing aids they will pay and the profit is good per patient. I have 14 hearing aids ordered and waiting to be fit.
Monthly net income: $
Monthly expenses: $
Housing: $
Insurance: $
Car expenses: $
Utilities: $
Phone, cable, internet: $
Food, entertainment: $
Clothing, household expenses: $
Credit cards and other loans: $
Other expenses: $
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
533342
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount:
| $4,000.00 |
Prosper Rating:
| HR |
Listing Duration:
| 14 days
|
Minimum Amount to Fund:
| $2,800 |
Estimated loss*:
| 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:
| Aug-1992 |
Debt/Income ratio:
| Self-employed (DTI Not Calculated) |
Credit score:
| 700-719 (Oct-2011) |
Inquiries last 6m:
| 0 | Employment status: | Self-employed |
Now delinquent:
| 0 |
Current / open credit lines:
| 3
/
3 | Length of status: | 3y 6m |
Amount delinquent:
| $0 |
Total credit lines:
| 22 |
Occupation: | Food Service Manage... |
Public records last 12m / 10y:
| 1/ 1 |
Revolving credit balance:
| $4,178 | Stated income: | $75,000-$99,999 |
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 65% | | |
| |
Homeownership:
| Yes | | |
Screen name:
| intelligent-contract2 |
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
Funds 4 2nd location Manhattan Pub
Purpose of loan:
This loan will be used to...fund 2nd location of nolita manhattan pub, toby's public house
My financial situation:
I am a good candidate for this loan because...this is third restaruant opening. all bills current. need additional funds for renovation in order to open.
Monthly net income: $75,000 from Pub #1
Monthly expenses: $ 1950.00
Housing: $ 0
Insurance: $ 0
Car expenses: $ 400 per month (car insurance)
Utilities: $ 0
Phone, cable, internet: $ 250 per month
Food, entertainment: $ 800 per month
Clothing, household expenses: $ 0
Credit cards and other loans: $ 300 per month
Other expenses: $200 per month miscellaneous
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
533388
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount:
| $3,500.00 |
Prosper Rating:
| B |
Listing Duration:
| 14 days
|
Minimum Amount to Fund:
| $2,450 |
Estimated loss*:
| 5.20% | | |
Term:
| 36 months | | | | |
|
Lender yield:
| 15.56% |
Borrower rate/APR:
| 16.56% / 18.75% |
Monthly payment:
| $124.02 |
|
Lender servicing fee:
| 1.00% |
Effective Yield*:
| 15.29% | | |
| |
Estimated return*:
| 10.09% | | |
* 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:
| Apr-1988 |
Debt/Income ratio:
| 18% |
Credit score:
| 680-699 (Oct-2011) |
Inquiries last 6m:
| 3 | Employment status: | Employed |
Now delinquent:
| 0 |
Current / open credit lines:
| 8
/
8 | Length of status: | 28y 1m |
Amount delinquent:
| $0 |
Total credit lines:
| 42 |
Occupation: | Tradesman - Mechani... |
Public records last 12m / 10y:
| 0/ 1 |
Revolving credit balance:
| $8,258 | Stated income: | $50,000-$74,999 |
Delinquencies in last 7y:
| 16 |
Bankcard utilization:
| 81% | | |
| |
Homeownership:
| No | | |
Screen name:
| shiny-fund3 |
Borrower's state:
| Minnesota |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan history | Payment history | Credit score history |
Active / total loans:
| 1 / 1 |
On-time:
| 18 ( 100% )
| 680-699 (Latest)
|
Principal borrowed:
| $5,000.00 | < 31 days late:
| 0
( 0% )
| 660-679
(Mar-2010)
|
Principal balance:
| $3,004.71 |
31+ days late:
| 0
( 0% )
|
Total payments billed:
| 18 | | |
Description
home improvement
Purpose of loan:
This loan will be used to...
My financial situation:
I am a good candidate for this loan because...
Monthly net income: $5.000
Monthly expenses: $
Housing: $2,200
Insurance: $257.00
Car expenses: $
Utilities: $175.00
Phone, cable, internet: $147.63
Food, entertainment: $300.00
Clothing, household expenses: $300.00
Credit cards and other loans: $350.00
Other expenses: $100.00
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
533404
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount:
| $7,500.00 |
Prosper Rating:
| E |
Listing Duration:
| 14 days
|
Minimum Amount to Fund:
| $7,500 |
Estimated loss*:
| 14.70% | | |
Term:
| 36 months | | | | |
|
Lender yield:
| 30.49% |
Borrower rate/APR:
| 31.49% / 35.13% |
Monthly payment:
| $324.54 |
|
Lender servicing fee:
| 1.00% |
Effective Yield*:
| 29.09% | | |
| |
Estimated return*:
| 14.39% | | |
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10):
| 5 |
First credit line:
| Apr-1996 |
Debt/Income ratio:
| Self-employed (DTI Not Calculated) |
Credit score:
| 680-699 (Oct-2011) |
Inquiries last 6m:
| 1 | Employment status: | Self-employed |
Now delinquent:
| 1 |
Current / open credit lines:
| 6
/
6 | Length of status: | 4y 6m |
Amount delinquent:
| $713 |
Total credit lines:
| 11 |
Occupation: | Professional |
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $12,082 | Stated income: | $50,000-$74,999 |
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 60% | | |
| |
Homeownership:
| No | | |
Screen name:
| sleuth754 |
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
Consolidate debt lower monthly pay
Purpose of loan:
This loan will be used to...
My financial situation:
I am a good candidate for this loan because...
Monthly net income: $ 4500.00
Monthly expenses: $ 2800.00
Housing: $ 737.00
Insurance: $ 87.00
Car expenses: $ 100.00
Utilities: $ 300.00
Phone, cable, internet: $ 130.00
Food, entertainment: $ 500.00
Clothing, household expenses: $ 300.00
Credit cards and other loans: $ 500.00
Other expenses: $200.00
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
533414
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount:
| $7,500.00 |
Prosper Rating:
| D |
Listing Duration:
| 14 days
|
Minimum Amount to Fund:
| $5,250 |
Estimated loss*:
| 11.20% | | |
Term:
| 36 months | | | | |
|
Lender yield:
| 24.99% |
Borrower rate/APR:
| 25.99% / 29.51% |
Monthly payment:
| $302.14 |
|
Lender servicing fee:
| 1.00% |
Effective Yield*:
| 24.37% | | |
| |
Estimated return*:
| 13.17% | | |
* 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-1984 |
Debt/Income ratio:
| 22% |
Credit score:
| 660-679 (Oct-2011) |
Inquiries last 6m:
| 1 | Employment status: | Employed |
Now delinquent:
| 0 |
Current / open credit lines:
| 14
/
12 | Length of status: | 27y 6m |
Amount delinquent:
| $0 |
Total credit lines:
| 25 |
Occupation: | Other |
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $7,686 | Stated income: | $75,000-$99,999 |
Delinquencies in last 7y:
| 5 |
Bankcard utilization:
| 48% | | |
| |
Homeownership:
| No | | |
Screen name:
| credible-velocity3 |
Borrower's state:
| DistrictOfColumbia |
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
Needy
No description is available.
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
533436
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount:
| $2,000.00 |
Prosper Rating:
| D |
Listing Duration:
| 14 days
|
Minimum Amount to Fund:
| $2,000 |
Estimated loss*:
| 11.20% | | |
Term:
| 36 months | | | | |
|
Lender yield:
| 24.99% |
Borrower rate/APR:
| 25.99% / 29.51% |
Monthly payment:
| $80.57 |
|
Lender servicing fee:
| 1.00% |
Effective Yield*:
| 24.37% | | |
| |
Estimated return*:
| 13.17% | | |
* 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-1994 |
Debt/Income ratio:
| 20% |
Credit score:
| 700-719 (Oct-2011) |
Inquiries last 6m:
| 2 | Employment status: | Employed |
Now delinquent:
| 0 |
Current / open credit lines:
| 11
/
10 | Length of status: | 1y 3m |
Amount delinquent:
| $0 |
Total credit lines:
| 41 |
Occupation: | Clerical |
Public records last 12m / 10y:
| 0/ 1 |
Revolving credit balance:
| $7,055 | Stated income: | $25,000-$49,999 |
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 54% | | |
| |
Homeownership:
| No | | |
Screen name:
| order-captain |
Borrower's state:
| Tennessee |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Description
Debt Payoff
Purpose of loan: Debt Payoff
This loan will be used to... to pay off some small debts
My financial situation: is good
I am a good candidate for this loan because...I have been late or missed any payments on any of my bills.
Monthly net income: $2600.00
Monthly expenses: $2000.00
Housing: $740.00
Insurance: $120.00
Car expenses: $
Utilities: $100.00
Phone, cable, internet: $132.00
Food, entertainment: $450.00
Clothing, household expenses: $
Credit cards and other loans: $500.00
Other expenses: $
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
533438
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount:
| $10,000.00 |
Prosper Rating:
| D |
Listing Duration:
| 14 days
|
Minimum Amount to Fund:
| $7,000 |
Estimated loss*:
| 11.20% | | |
Term:
| 36 months | | | | |
|
Lender yield:
| 24.99% |
Borrower rate/APR:
| 25.99% / 29.51% |
Monthly payment:
| $402.85 |
|
Lender servicing fee:
| 1.00% |
Effective Yield*:
| 24.37% | | |
| |
Estimated return*:
| 13.17% | | |
* 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:
| Not calculated |
Credit score:
| 740-759 (Oct-2011) |
Inquiries last 6m:
| 0 | Employment status: | Employed |
Now delinquent:
| 0 |
Current / open credit lines:
| 27
/
26 | Length of status: | 17y 0m |
Amount delinquent:
| $0 |
Total credit lines:
| 34 |
Occupation: | Clerical |
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $13,890 | Stated income: | $25,000-$49,999 |
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 48% | | |
| |
Homeownership:
| No | | |
Screen name:
| red-power-dissector |
Borrower's state:
| Kentucky |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Description
debt consolidaton
Purpose of loan:
This loan will be used to...
My financial situation:
I am a good candidate for this loan because...
Monthly net income: $2500
Monthly expenses: $
Housing: $350
Insurance: $135
Car expenses: $2
Utilities: $
Phone, cable, internet: $
Food, entertainment: $
Clothing, household expenses: $
Credit cards and other loans: $
Other expenses: $
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
533446
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount:
| $8,000.00 |
Prosper Rating:
| D |
Listing Duration:
| 14 days
|
Minimum Amount to Fund:
| $5,600 |
Estimated loss*:
| 10.50% | | |
Term:
| 36 months | | | | |
|
Lender yield:
| 24.74% |
Borrower rate/APR:
| 25.74% / 29.25% |
Monthly payment:
| $321.22 |
|
Lender servicing fee:
| 1.00% |
Effective Yield*:
| 24.13% | | |
| |
Estimated return*:
| 13.63% | | |
* 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:
| Oct-2002 |
Debt/Income ratio:
| 21% |
Credit score:
| 620-639 (Oct-2011) |
Inquiries last 6m:
| 3 | Employment status: | Employed |
Now delinquent:
| 2 |
Current / open credit lines:
| 10
/
11 | Length of status: | 8y 5m |
Amount delinquent:
| $3,441 |
Total credit lines:
| 23 |
Occupation: | Nurse (RN) |
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $6,813 | Stated income: | $50,000-$74,999 |
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 45% | | |
| |
Homeownership:
| Yes | | |
Screen name:
| kind-commitment-position |
Borrower's state:
| Indiana |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan history | Payment history | Credit score history |
Active / total loans:
| 1 / 1 |
On-time:
| 6 ( 100% )
| 620-639 (Latest)
|
Principal borrowed:
| $6,000.00 | < 31 days late:
| 0
( 0% )
| 720-739
(Mar-2011)
|
Principal balance:
| $5,292.63 |
31+ days late:
| 0
( 0% )
|
Total payments billed:
| 6 | | |
Description
bill consolidation
Purpose of loan:
This loan will be used to...bill consolidation. This will pay off a personal loan I'd taken to cover closing costs on my house, credit card bills, and medical bills from the birth of my daughter 6 months ago. My goal is to wipe debt clean and into one payment each month.
My financial situation:
I am a good candidate for this loan because...I have established my payment history with a previous loan from prosper. I have worked full time for the same employer for 8 years.
Monthly net income: $4,100
Monthly expenses: $varies
Housing: $ 1,115
Insurance: $220 (for car, home is escrowed)
Car expenses: $420
Utilities: $ 125
Phone, cable, internet: $250
Food, entertainment: $ 250
Clothing, household expenses: $ 150
Credit cards and other loans: $ 220 (if this loan is approved)
Other expenses: $ varies
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
533470
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount:
| $2,500.00 |
Prosper Rating:
| E |
Listing Duration:
| 14 days
|
Minimum Amount to Fund:
| $2,500 |
Estimated loss*:
| 14.70% | | |
Term:
| 36 months | | | | |
|
Lender yield:
| 30.49% |
Borrower rate/APR:
| 31.49% / 35.13% |
Monthly payment:
| $108.18 |
|
Lender servicing fee:
| 1.00% |
Effective Yield*:
| 29.09% | | |
| |
Estimated return*:
| 14.39% | | |
* 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-1999 |
Debt/Income ratio:
| 25% |
Credit score:
| 680-699 (Oct-2011) |
Inquiries last 6m:
| 3 | Employment status: | Employed |
Now delinquent:
| 0 |
Current / open credit lines:
| 18
/
7 | Length of status: | 8y 10m |
Amount delinquent:
| $0 |
Total credit lines:
| 37 |
Occupation: | Retail Management |
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $7,216 | Stated income: | $50,000-$74,999 |
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 94% | | |
| |
Homeownership:
| Yes | | |
Screen name:
| direct-dime3 |
Borrower's state:
| Louisiana |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Description
Looking for assistance.....
Purpose of loan:
This loan will be used to settle back debt to my Condo Association of dues so that I can sell my condo unit.
My financial situation:
I am a good candidate for this loan because I have had a great track record lately in making sure my bills are paid on time. I have been employeed for nearly nine years now with the same company and have had great success in my career I will also automate the payment for this loan.
Monthly net income: $4000
Monthly expenses: $ 3003
Housing: $ 1042
Insurance: $ 154.00
Car expenses: $ 445
Utilities: $ 175
Phone, cable, internet: $ 244
Food, entertainment: $ 300
Clothing, household expenses: $ 150
Credit cards and other loans: $ 493
Other expenses: $
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
533494
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount:
| $7,000.00 |
Prosper Rating:
| C |
Listing Duration:
| 14 days
|
Minimum Amount to Fund:
| $4,900 |
Estimated loss*:
| 8.50% | | |
Term:
| 36 months | | | | |
|
Lender yield:
| 21.05% |
Borrower rate/APR:
| 22.05% / 25.49% |
Monthly payment:
| $267.51 |
|
Lender servicing fee:
| 1.00% |
Effective Yield*:
| 20.56% | | |
| |
Estimated return*:
| 12.06% | | |
* 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:
| Jan-1997 |
Debt/Income ratio:
| 20% |
Credit score:
| 700-719 (Oct-2011) |
Inquiries last 6m:
| 1 | Employment status: | Employed |
Now delinquent:
| 1 |
Current / open credit lines:
| 5
/
3 | Length of status: | 2y 2m |
Amount delinquent:
| $939 |
Total credit lines:
| 28 |
Occupation: | Civil Service |
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $0 | Stated income: | $100,000+ |
Delinquencies in last 7y:
| 9 |
Bankcard utilization:
| 0% | | |
| |
Homeownership:
| Yes | | |
Screen name:
| stedb77 |
Borrower's state:
| Virginia |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan history | Payment history | Credit score history |
Active / total loans:
| 0 / 1 |
On-time:
| 6 ( 100% )
| 700-719 (Latest)
|
Principal borrowed:
| $2,500.00 | < 31 days late:
| 0
( 0% )
| 740-759
(May-2010)
|
Principal balance:
| $0.00 |
31+ days late:
| 0
( 0% )
|
Total payments billed:
| 6 | | |
Description
Home Upgrades
Purpose of loan:
This loan will be used to replace flooring in my home along with other and other minor household upgrades.
I am a good candidate for this loan because I have the income to support the loan payment. I have previously had a Prosper loan before and paid faithfully as well as paying the total loan off before the due date.
My monthly expenses are listed below:
Monthly net income: $9,437 before taxes (Includes civilian pay along with VA Disability income of $1,326 a month)
Housing: $2,300
Insurance: $150 (Car, house, motorcycle)
Car expenses: $960
Utilities: $250
Phone, cable, internet: $190
Food, entertainment: $150
Credit cards and other loans: $1,000
Thank you in advance!
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
528205
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:
| C |
Listing Duration:
| 14 days
|
Minimum Amount to Fund:
| $10,500 |
Estimated loss*:
| 8.50% | | |
Term:
| 36 months | | | | |
|
Lender yield:
| 21.05% |
Borrower rate/APR:
| 22.05% / 25.49% |
Monthly payment:
| $573.24 |
|
Lender servicing fee:
| 1.00% |
Effective Yield*:
| 20.56% | | |
| |
Estimated return*:
| 12.06% | | |
* 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-1990 |
Debt/Income ratio:
| 24% |
Credit score:
| 720-739 (Sep-2011) |
Inquiries last 6m:
| 0 | Employment status: | Employed |
Now delinquent:
| 1 |
Current / open credit lines:
| 11
/
7 | Length of status: | 2y 1m |
Amount delinquent:
| $0 |
Total credit lines:
| 25 |
Occupation: | Computer Programmer |
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $7,975 | Stated income: | $100,000+ |
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 92% | | |
| |
Homeownership:
| No | | |
Screen name:
| greenback-prominence |
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:
| 17 ( 100% )
| 720-739 (Latest)
|
Principal borrowed:
| $2,700.00 | < 31 days late:
| 0
( 0% )
| 700-719
(Apr-2010)
660-679
(Jan-2010)
|
Principal balance:
| $1,517.63 |
31+ days late:
| 0
( 0% )
|
Total payments billed:
| 17 | | |
Description
My loan for debt consolidation
Purpose of loan:
This loan will be used to consolidate debt and payoff debt sooner.
My financial situation:
I am a good candidate for this loan because I have a stable job.
Monthly net income: $ 5600.00
Monthly expenses: $ 3600.00
Housing: $ 0.00
Car Insurance: $ 90.00 / month
Car payment: $ 200.00 / month
Car expenses: $ 180.00 / month (Gas)
Utilities: $ 70.00
Phone, cable, internet: $ 100.00 / month
Food, entertainment: $ 300.00
Clothing, household expenses: $ 400.00
Credit cards and other loans: $ 2000.00
Other expenses: $ 200.00 / month (Pets)
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
528341
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount:
| $5,000.00 |
Prosper Rating:
| D |
Listing Duration:
| 14 days
|
Minimum Amount to Fund:
| $3,500 |
Estimated loss*:
| 10.50% | | |
Term:
| 36 months | | | | |
|
Lender yield:
| 24.74% |
Borrower rate/APR:
| 25.74% / 29.25% |
Monthly payment:
| $200.76 |
|
Lender servicing fee:
| 1.00% |
Effective Yield*:
| 24.13% | | |
| |
Estimated return*:
| 13.63% | | |
* 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:
| Jan-1990 |
Debt/Income ratio:
| 17% |
Credit score:
| 660-679 (Sep-2011) |
Inquiries last 6m:
| 6 | Employment status: | Other |
Now delinquent:
| 0 |
Current / open credit lines:
| 11
/
8 | Length of status: | 6y 7m |
Amount delinquent:
| $0 |
Total credit lines:
| 63 | Stated income: | $75,000-$99,999 |
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $10,354 | |
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 88% | | |
| |
Homeownership:
| Yes | | |
Screen name:
| noble-community7 |
Borrower's state:
| Arizona |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan history | Payment history | Credit score history |
Active / total loans:
| 0 / 1 |
On-time:
| 16 ( 100% )
| 660-679 (Latest)
|
Principal borrowed:
| $1,500.00 | < 31 days late:
| 0
( 0% )
| 760-779
(Jan-2010)
|
Principal balance:
| $0.01 |
31+ days late:
| 0
( 0% )
|
Total payments billed:
| 16 | | |
Description
Credit card debt consolidation
Purpose of loan:
This loan will be used to...
My financial situation:
I am a good candidate for this loan because...
Monthly net income: $5500.00
Monthly expenses: $
Housing: $1400.00
Insurance: $40.00
Car expenses: $420.00
Utilities: $175.00
Phone, cable, internet: $150.00
Food, entertainment: $300.00
Clothing, household expenses: $100.00
Credit cards and other loans: $400.00
Other expenses: $0
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
528743
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount:
| $10,000.00 |
Prosper Rating:
| B |
Listing Duration:
| 14 days
|
Minimum Amount to Fund:
| $7,000 |
Estimated loss*:
| 5.20% | | |
Term:
| 60 months | | | | |
|
Lender yield:
| 19.56% |
Borrower rate/APR:
| 20.56% / 22.03% |
Monthly payment:
| $268.06 |
|
Lender servicing fee:
| 1.00% |
Effective Yield*:
| 19.21% | | |
| |
Estimated return*:
| 14.01% | | |
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10):
| 7 |
First credit line:
| Dec-1992 |
Debt/Income ratio:
| 27% |
Credit score:
| 700-719 (Oct-2011) |
Inquiries last 6m:
| 0 | Employment status: | Employed |
Now delinquent:
| 0 |
Current / open credit lines:
| 10
/
8 | Length of status: | 3y 0m |
Amount delinquent:
| $0 |
Total credit lines:
| 26 |
Occupation: | Other |
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $30,770 | Stated income: | $75,000-$99,999 |
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 75% | | |
| |
Homeownership:
| Yes | | |
Screen name:
| realtallguy |
Borrower's state:
| Kentucky |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan history | Payment history | Credit score history |
Active / total loans:
| 0 / 1 |
On-time:
| 13 ( 100% )
| 700-719 (Latest)
|
Principal borrowed:
| $10,000.00 | < 31 days late:
| 0
( 0% )
| 720-739
(Sep-2011)
700-719
(May-2010)
640-659
(Jun-2007)
620-639
(May-2007)
|
Principal balance:
| $0.00 |
31+ days late:
| 0
( 0% )
|
Total payments billed:
| 13 | | |
Description
My loan for debt consolidation
Purpose of loan:
To consolodate debt to pay off in three years.
My financial situation:
I am a good candidate for this loan because this loan will force me to pay it all of in 3 years instead of 7. Also with my last loan I paid a $10,000 early. I paid it off over 1.5 years early.
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
531523
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount:
| $10,000.00 |
Prosper Rating:
| D |
Listing Duration:
| 14 days
|
Minimum Amount to Fund:
| $7,000 |
Estimated loss*:
| 11.20% | | |
Term:
| 36 months | | | | |
|
Lender yield:
| 24.99% |
Borrower rate/APR:
| 25.99% / 29.51% |
Monthly payment:
| $402.85 |
|
Lender servicing fee:
| 1.00% |
Effective Yield*:
| 24.37% | | |
| |
Estimated return*:
| 13.17% | | |
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10):
| 6 |
First credit line:
| Jul-1997 |
Debt/Income ratio:
| Not calculated |
Credit score:
| 700-719 (Oct-2011) |
Inquiries last 6m:
| 0 | Employment status: | Not employed |
Now delinquent:
| 0 |
Current / open credit lines:
| 9
/
6 | Length of status: | 2y 2m |
Amount delinquent:
| $0 |
Total credit lines:
| 33 | Stated income: | Not employed |
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $5,979 | |
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 90% | | |
| |
Homeownership:
| No | | |
Screen name:
| suave-basis7 |
Borrower's state:
| Florida |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Description
87654
Purpose of loan:
This loan will be used to...general financial improvement
My financial situation:
I am a good candidate for this loan because...
Monthly net income: $ 2193
Monthly expenses: $2040
Housing: $780
Insurance: $200
Car expenses: $ 240
Utilities: $80
Phone, cable, internet: $ 100
Food, entertainment: $100
Clothing, household expenses: $---
Credit cards and other loans: $140
Other expenses: $400
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
531731
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount:
| $10,000.00 |
Prosper Rating:
| D |
Listing Duration:
| 14 days
|
Minimum Amount to Fund:
| $7,000 |
Estimated loss*:
| 11.20% | | |
Term:
| 36 months | | | | |
|
Lender yield:
| 24.99% |
Borrower rate/APR:
| 25.99% / 29.51% |
Monthly payment:
| $402.85 |
|
Lender servicing fee:
| 1.00% |
Effective Yield*:
| 24.37% | | |
| |
Estimated return*:
| 13.17% | | |
* 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-1990 |
Debt/Income ratio:
| Not calculated |
Credit score:
| 780-799 (Oct-2011) |
Inquiries last 6m:
| 1 | Employment status: | Other |
Now delinquent:
| 0 |
Current / open credit lines:
| 5
/
3 | Length of status: | 21y 9m |
Amount delinquent:
| $0 |
Total credit lines:
| 12 |
Occupation: | Other |
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $0 | Stated income: | $50,000-$74,999 |
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 0% | | |
| |
Homeownership:
| No | | |
Screen name:
| orange-agreement-catapult |
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
Personal Loan
Purpose of loan:
This loan will be used to...Take care of my grandchild.
My financial situation:
I am a good candidate for this loan because...This will be my only debt, so making the monthly payments will be easy for me.
Monthly net income: $3000
Monthly expenses: $1400
Housing: $1200
Insurance: $free
Car expenses: $0
Utilities: $included
Phone, cable, internet: $200
Food, entertainment: $included
Clothing, household expenses: $0
Credit cards and other loans: $0
Other expenses: $0
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
532301
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount:
| $7,500.00 |
Prosper Rating:
| E |
Listing Duration:
| 14 days
|
Minimum Amount to Fund:
| $5,250 |
Estimated loss*:
| 14.70% | | |
Term:
| 36 months | | | | |
|
Lender yield:
| 30.49% |
Borrower rate/APR:
| 31.49% / 35.13% |
Monthly payment:
| $324.54 |
|
Lender servicing fee:
| 1.00% |
Effective Yield*:
| 29.09% | | |
| |
Estimated return*:
| 14.39% | | |
* 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:
| Feb-1994 |
Debt/Income ratio:
| Not calculated |
Credit score:
| 680-699 (Oct-2011) |
Inquiries last 6m:
| 2 | Employment status: | Not employed |
Now delinquent:
| 0 |
Current / open credit lines:
| 11
/
11 | Length of status: | 11y 10m |
Amount delinquent:
| $0 |
Total credit lines:
| 25 | Stated income: | Not employed |
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $9,754 | |
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 31% | | |
| |
Homeownership:
| Yes | | |
Screen name:
| melodious-reward0 |
Borrower's state:
| Arkansas |
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
grandma jo
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 always pay my bills
Monthly net income: $1300
Monthly expenses: $890
Housing: $husband pays these*
Insurance: $*
Car expenses: $*
Utilities: $*
Phone, cable, internet: $*
Food, entertainment: $*
Clothing, household expenses: $*
Credit cards and other loans: $included in monthly expenses
Other expenses: $*
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
532511
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount:
| $7,500.00 |
Prosper Rating:
| E |
Listing Duration:
| 14 days
|
Minimum Amount to Fund:
| $5,250 |
Estimated loss*:
| 14.70% | | |
Term:
| 36 months | | | | |
|
Lender yield:
| 30.49% |
Borrower rate/APR:
| 31.49% / 35.13% |
Monthly payment:
| $324.54 |
|
Lender servicing fee:
| 1.00% |
Effective Yield*:
| 29.09% | | |
| |
Estimated return*:
| 14.39% | | |
* 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:
| Jun-2006 |
Debt/Income ratio:
| Self-employed (DTI Not Calculated) |
Credit score:
| 680-699 (Oct-2011) |
Inquiries last 6m:
| 0 | Employment status: | Self-employed |
Now delinquent:
| 2 |
Current / open credit lines:
| 4
/
4 | Length of status: | 6y 5m |
Amount delinquent:
| $3,278 |
Total credit lines:
| 11 |
Occupation: | Other |
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $1,008 | Stated income: | $75,000-$99,999 |
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 14% | | |
| |
Homeownership:
| No | | |
Screen name:
| bonus-dynamo3 |
Borrower's state:
| Florida |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Description
My Wedding :-D
This loan will be used to fund my wedding to my soul mate! My Fiance' and I come from a very old fashioned family. We were always taught that the bride's father is supposed to pay for the wedding. My father recently came down with terminal cancer and is not doing well financially. We wanted to take a loan out to pay for it ourselfves, so I am doing this and my fiance' is getting a loan from his bank so we can have our dream wedding still and not empty out our savings to do it. We are getting married in May.
I am a good candidate for this loan because I make good money and do not have many bills.
Monthly net income: $6000
Monthly expenses: $2700
Housing: $1000
Insurance: $100
Car expenses: $0
Utilities: $150
Phone, cable, internet: $125
Food, entertainment: $400
Clothing, household expenses: $100
Credit cards and other loans: $300
Other expenses: $525
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
532589
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount:
| $3,000.00 |
Prosper Rating:
| D |
Listing Duration:
| 14 days
|
Minimum Amount to Fund:
| $2,100 |
Estimated loss*:
| 10.50% | | |
Term:
| 36 months | | | | |
|
Lender yield:
| 24.74% |
Borrower rate/APR:
| 25.74% / 29.25% |
Monthly payment:
| $120.46 |
|
Lender servicing fee:
| 1.00% |
Effective Yield*:
| 24.13% | | |
| |
Estimated return*:
| 13.63% | | |
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10):
| 5 |
First credit line:
| Aug-2002 |
Debt/Income ratio:
| 52% |
Credit score:
| 640-659 (Oct-2011) |
Inquiries last 6m:
| 0 | Employment status: | Employed |
Now delinquent:
| 0 |
Current / open credit lines:
| 8
/
7 | Length of status: | 5y 2m |
Amount delinquent:
| $0 |
Total credit lines:
| 15 |
Occupation: | Student - College G... |
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $25,523 | Stated income: | $25,000-$49,999 |
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 92% | | |
| |
Homeownership:
| No | | |
Screen name:
| chia04 |
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.
Prosper Activity
Loan history | Payment history | Credit score history |
Active / total loans:
| 0 / 2 |
On-time:
| 36 ( 100% )
| 640-659 (Latest)
|
Principal borrowed:
| $7,450.00 | < 31 days late:
| 0
( 0% )
| 620-639
(Apr-2010)
680-699
(Mar-2008)
|
Principal balance:
| $0.03 |
31+ days late:
| 0
( 0% )
|
Total payments billed:
| 36 | | |
Description
Credit Card Pay-off - Repeat Lender
Purpose of loan:
This loan will be used to consolidate additional credit card debt, including paying off 2 cards. My using a Prosper Loan I will actually lower my payments and pay off the debt faster.
My financial situation:
I am a good candidate for this loan because this will be my third Prosper Loan. I have used the past two to consolidate and pay off debt and I've been closing those cards after pay-off so that I don't amass any additional debt. I'm a graduate student who works two jobs to pay down the errors I made when I was younger.
Both of my previous loans were never late and paid off early.
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
532707
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount:
| $2,500.00 |
Prosper Rating:
| E |
Listing Duration:
| 14 days
|
Minimum Amount to Fund:
| $2,500 |
Estimated loss*:
| 14.70% | | |
Term:
| 36 months | | | | |
|
Lender yield:
| 30.49% |
Borrower rate/APR:
| 31.49% / 35.13% |
Monthly payment:
| $108.18 |
|
Lender servicing fee:
| 1.00% |
Effective Yield*:
| 29.09% | | |
| |
Estimated return*:
| 14.39% | | |
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10):
| 4 |
First credit line:
| May-1998 |
Debt/Income ratio:
| 36% |
Credit score:
| 700-719 (Oct-2011) |
Inquiries last 6m:
| 0 | Employment status: | Employed |
Now delinquent:
| 0 |
Current / open credit lines:
| 4
/
4 | Length of status: | 10y 2m |
Amount delinquent:
| $0 |
Total credit lines:
| 23 |
Occupation: | Other |
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $14,987 | Stated income: | $25,000-$49,999 |
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 99% | | |
| |
Homeownership:
| Yes | | |
Screen name:
| bold-vigilance-champ |
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
loan officer
No description is available.
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
532797
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount:
| $8,000.00 |
Prosper Rating:
| D |
Listing Duration:
| 14 days
|
Minimum Amount to Fund:
| $5,600 |
Estimated loss*:
| 11.20% | | |
Term:
| 36 months | | | | |
|
Lender yield:
| 24.99% |
Borrower rate/APR:
| 25.99% / 29.51% |
Monthly payment:
| $322.28 |
|
Lender servicing fee:
| 1.00% |
Effective Yield*:
| 24.37% | | |
| |
Estimated return*:
| 13.17% | | |
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10):
| 6 |
First credit line:
| Jul-1998 |
Debt/Income ratio:
| Not calculated |
Credit score:
| 660-679 (Oct-2011) |
Inquiries last 6m:
| 0 | Employment status: | Not employed |
Now delinquent:
| 0 |
Current / open credit lines:
| 9
/
8 | Length of status: | 0y 5m |
Amount delinquent:
| $0 |
Total credit lines:
| 23 | Stated income: | Not employed |
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $13,023 | |
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 94% | | |
| |
Homeownership:
| No | | |
Screen name:
| contract-architect |
Borrower's state:
| Connecticut |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Description
Debt Consalidation
No description is available.
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
532821
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:
| A |
Listing Duration:
| 14 days
|
Minimum Amount to Fund:
| $2,500 |
Estimated loss*:
| 3.80% | | |
Term:
| 36 months | | | | |
|
Lender yield:
| 12.90% |
Borrower rate/APR:
| 13.90% / 16.06% |
Monthly payment:
| $85.32 |
|
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:
| Jan-1998 |
Debt/Income ratio:
| 2% |
Credit score:
| 780-799 (Oct-2011) |
Inquiries last 6m:
| 0 | Employment status: | Employed |
Now delinquent:
| 0 |
Current / open credit lines:
| 1
/
1 | Length of status: | 1y 1m |
Amount delinquent:
| $0 |
Total credit lines:
| 11 |
Occupation: | Nurse (RN) |
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $0 | Stated income: | $50,000-$74,999 |
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 0% | | |
| |
Homeownership:
| No | | |
Screen name:
| yield-encore5 |
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
Furniture
Purpose of loan:
This loan will be used to...
My financial situation:
I am a good candidate for this loan because...
When I started nursing school I quit working and we began purchasing items in my husband's name, I have been working as a Registered Nurse for 4 years now, and now have little to no credit history, I am attempting to to restore credit in my name, I work full-time and can comfortably afford this payment.
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
533051
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount:
| $4,000.00 |
Prosper Rating:
| HR |
Listing Duration:
| 14 days
|
Minimum Amount to Fund:
| $2,800 |
Estimated loss*:
| 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:
| Jun-2008 |
Debt/Income ratio:
| Not calculated |
Credit score:
| 680-699 (Oct-2011) |
Inquiries last 6m:
| 1 | Employment status: | Not employed |
Now delinquent:
| 0 |
Current / open credit lines:
| 9
/
7 | Length of status: | 0y 3m |
Amount delinquent:
| $0 |
Total credit lines:
| 10 | Stated income: | Not employed |
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $5,808 | |
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 91% | | |
| |
Homeownership:
| No | | |
Screen name:
| competent-ore6 |
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
Consolidation
No description is available.
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
533117
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount:
| $10,000.00 |
Prosper Rating:
| D |
Listing Duration:
| 14 days
|
Minimum Amount to Fund:
| $7,000 |
Estimated loss*:
| 11.20% | | |
Term:
| 36 months | | | | |
|
Lender yield:
| 24.99% |
Borrower rate/APR:
| 25.99% / 29.51% |
Monthly payment:
| $402.85 |
|
Lender servicing fee:
| 1.00% |
Effective Yield*:
| 24.37% | | |
| |
Estimated return*:
| 13.17% | | |
* 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-1996 |
Debt/Income ratio:
| Self-employed (DTI Not Calculated) |
Credit score:
| 740-759 (Oct-2011) |
Inquiries last 6m:
| 1 | Employment status: | Self-employed |
Now delinquent:
| 0 |
Current / open credit lines:
| 7
/
7 | Length of status: | 10y 9m |
Amount delinquent:
| $0 |
Total credit lines:
| 20 |
Occupation: | Executive |
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $2,079 | Stated income: | $100,000+ |
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 12% | | |
| |
Homeownership:
| No | | |
Screen name:
| best-sweet-contract |
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
close escrow
Purpose of loan:
This loan will be used to...prep my house for sale
My financial situation:
I am a good candidate for this loan because...I will be receiving a large sum of money next year.
Monthly net income: $11000.00
Monthly expenses: $2800.00
Housing: $2000
Insurance: $50
Car expenses: $50
Utilities: $100
Phone, cable, internet: $100
Food, entertainment: $400
Clothing, household expenses: $50
Credit cards and other loans: $50
Other expenses: $0
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
533125
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:
| B |
Listing Duration:
| 14 days
|
Minimum Amount to Fund:
| $5,600 |
Estimated loss*:
| 5.95% | | |
Term:
| 36 months | | | | |
|
Lender yield:
| 16.99% |
Borrower rate/APR:
| 17.99% / 20.20% |
Monthly payment:
| $289.18 |
|
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:
| Jan-1992 |
Debt/Income ratio:
| 18% |
Credit score:
| 660-679 (Oct-2011) |
Inquiries last 6m:
| 1 | Employment status: | Employed |
Now delinquent:
| 1 |
Current / open credit lines:
| 7
/
5 | Length of status: | 16y 0m |
Amount delinquent:
| $0 |
Total credit lines:
| 26 |
Occupation: | Other |
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $6,969 | Stated income: | $25,000-$49,999 |
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 44% | | |
| |
Homeownership:
| No | | |
Screen name:
| blue-calm-capital |
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
Debt Consolidation
I am a good candidate for this loan because I am married and split expenses with my husband. We agreed that he would pay the mortgage and the fixed living expenses if I pay for groceries, the kids activities.
Monthly gross income is: $2520
Monthly expenses: $0 fixed expenses beyond the debt
Housing: $0 - my husband pays the mortgage
Insurance: $0 - my husband pays the insurance on the car and the boys health insurance
Car expenses: $0 in car loan; approx. $250 in gas; approx. $30 in maintaince
Utilities: $0 - my husband pays the utilities
Phone, cable, internet: $0 - my husband pays the internet and cable
Food, entertainment: approx. $900
Clothing, household expenses: approx. $200
Credit cards and other loans: $601.00 minimum monthly payment.
I am hoping to eliminate multiple accounts by paying off the cards and closing those accounts right away. I am also hoping to save money on my interest paid out each year.
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
533133
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount:
| $14,000.00 |
Prosper Rating:
| A |
Listing Duration:
| 14 days
|
Minimum Amount to Fund:
| $9,800 |
Estimated loss*:
| 3.80% | | |
Term:
| 36 months | | | | |
|
Lender yield:
| 12.90% |
Borrower rate/APR:
| 13.90% / 16.06% |
Monthly payment:
| $477.81 |
|
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):
| 8 |
First credit line:
| Mar-1981 |
Debt/Income ratio:
| 17% |
Credit score:
| 780-799 (Oct-2011) |
Inquiries last 6m:
| 2 | Employment status: | Employed |
Now delinquent:
| 0 |
Current / open credit lines:
| 3
/
3 | Length of status: | 8y 10m |
Amount delinquent:
| $0 |
Total credit lines:
| 24 |
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:
| 21% | | |
| |
Homeownership:
| No | | |
Screen name:
| authentic-economy2 |
Borrower's state:
| Tennessee |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Description
Debt consolidation loan
Purpose of loan:
This loan will be used to... Debt Consolidation
My financial situation: good
I am a good candidate for this loan because...I have a good job and have the income to pay back this loan
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
533141
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount:
| $5,000.00 |
Prosper Rating:
| D |
Listing Duration:
| 14 days
|
Minimum Amount to Fund:
| $3,500 |
Estimated loss*:
| 11.20% | | |
Term:
| 36 months | | | | |
|
Lender yield:
| 24.99% |
Borrower rate/APR:
| 25.99% / 29.51% |
Monthly payment:
| $201.43 |
|
Lender servicing fee:
| 1.00% |
Effective Yield*:
| 24.37% | | |
| |
Estimated return*:
| 13.17% | | |
* 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-1993 |
Debt/Income ratio:
| 17% |
Credit score:
| 660-679 (Oct-2011) |
Inquiries last 6m:
| 1 | Employment status: | Employed |
Now delinquent:
| 0 |
Current / open credit lines:
| 9
/
6 | Length of status: | 2y 0m |
Amount delinquent:
| $0 |
Total credit lines:
| 69 |
Occupation: | Professional |
Public records last 12m / 10y:
| 0/ 1 |
Revolving credit balance:
| $2,074 | Stated income: | $50,000-$74,999 |
Delinquencies in last 7y:
| 17 |
Bankcard utilization:
| 75% | | |
| |
Homeownership:
| Yes | | |
Screen name:
| entertaining-peace6 |
Borrower's state:
| Missouri |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Description
Consolidation refinance.
This loan will be used to refinance a consolidation I received through Springleaf Financial.
I have plenty of discretionary income to satisfy the balance of this loan on time and possibly early. My bureaus will show a mortgage with Wells Fargo. I kept the mortgage in my name while doing a claim deed to our family company. It?s rental property. This way, I get the benefit of reestablishing my credit without the burden of monthly housing expense. I live in a company provided condo. Thank you in advance for your consideration.My utilities are pretty low and I have a company provided phone and fuel card.
Monthly net income: $3700.00
Monthly expenses: $
Housing: $0.00
Insurance: $270.00-auto and health
Car expenses: $381.00-payment
Utilities: $110.00-lights and gas
Phone, cable, internet: $60.00
Food, entertainment: $250.00
Clothing, household expenses: $200.00
Credit cards and other loans: $224.00-the one to be refinanced.
Other expenses: $250.00-incidentals
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
533183
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount:
| $4,500.00 |
Prosper Rating:
| D |
Listing Duration:
| 14 days
|
Minimum Amount to Fund:
| $3,150 |
Estimated loss*:
| 11.20% | | |
Term:
| 36 months | | | | |
|
Lender yield:
| 24.99% |
Borrower rate/APR:
| 25.99% / 29.51% |
Monthly payment:
| $181.28 |
|
Lender servicing fee:
| 1.00% |
Effective Yield*:
| 24.37% | | |
| |
Estimated return*:
| 13.17% | | |
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10):
| 7 |
First credit line:
| Jul-1997 |
Debt/Income ratio:
| 17% |
Credit score:
| 640-659 (Oct-2011) |
Inquiries last 6m:
| 1 | Employment status: | Employed |
Now delinquent:
| 0 |
Current / open credit lines:
| 9
/
8 | Length of status: | 3y 8m |
Amount delinquent:
| $0 |
Total credit lines:
| 25 |
Occupation: | Flight Attendant |
Public records last 12m / 10y:
| 0/ 1 |
Revolving credit balance:
| $4,587 | Stated income: | $25,000-$49,999 |
Delinquencies in last 7y:
| 12 |
Bankcard utilization:
| 84% | | |
| |
Homeownership:
| Yes | | |
Screen name:
| discrete-bonus2 |
Borrower's state:
| Washington |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Description
wedding
Purpose of loan:
This loan will be used to...pay for wedding
My financial situation: is good, steady job make payments ontime
I am a good candidate for this loan because...i am reliable and dependable.
Monthly net income: $3200
Monthly expenses: $1750
Housing: $700
Insurance: $
Car expenses: $100
Utilities: $250
Phone, cable, internet: $60
Food, entertainment: $250
Clothing, household expenses: $0
Credit cards and other loans: $350
Other expenses: $
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
533195
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:
| $15,500.00 |
Prosper Rating:
| A |
Listing Duration:
| 14 days
|
Minimum Amount to Fund:
| $10,850 |
Estimated loss*:
| 2.00% | | |
Term:
| 36 months | | | | |
|
Lender yield:
| 10.10% |
Borrower rate/APR:
| 11.10% / 13.22% |
Monthly payment:
| $508.18 |
|
Lender servicing fee:
| 1.00% |
Effective Yield*:
| 10.07% | | |
| |
Estimated return*:
| 8.07% | | |
* 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-1993 |
Debt/Income ratio:
| 18% |
Credit score:
| 740-759 (Oct-2011) |
Inquiries last 6m:
| 1 | Employment status: | Employed |
Now delinquent:
| 0 |
Current / open credit lines:
| 12
/
9 | Length of status: | 15y 8m |
Amount delinquent:
| $0 |
Total credit lines:
| 36 |
Occupation: | Analyst |
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $6,725 | Stated income: | $75,000-$99,999 |
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 27% | | |
| |
Homeownership:
| Yes | | |
Screen name:
| TheRascel |
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.
Prosper Activity
Loan history | Payment history | Credit score history |
Active / total loans:
| 1 / 1 |
On-time:
| 10 ( 100% )
| 740-759 (Latest)
|
Principal borrowed:
| $12,000.00 | < 31 days late:
| 0
( 0% )
| 740-759
(Sep-2011)
720-739
(Nov-2010)
600-619
(Feb-2007)
|
Principal balance:
| $9,180.99 |
31+ days late:
| 0
( 0% )
|
Total payments billed:
| 10 | | |
Description
Operation Balance Sheet Cleanup
Purpose of loan:
This loan will be used to...
Operation Balance Sheet Cleanup Phase II
My credit union has a refinance offer for a 10 year at 3.99%, No Closing Costs! With this, I can combine a 1st & 2nd mortgage to save $603 a month. However, a 80% LTV is required. This will be used to buy the required equity to reach 80% LTV. The remainder will consolidate remaining debt. The new payment of approx $400 will be offset by the $600 savings.
Note: I have already been approved for the refinance.
Month income: $ 7600
Expenses: Avg
House: $ 1248 (will drop to $588 after refinance!)
Insurance: $ 600
Car expenses: $ 500 -One car note / gas & Maint.
Utilities/internet/tv: $ 450
Food/ entertainment/ household: $ 1500
Existing Prosper Loan $415
Other Loan pmts: $ 150
Taxes: $ 1100
Other $1637 - 401k, savings, health insurance, etc. cial situation:
(Prosper did a paperwork screw up that messed my last listing. They are "very sorry", just go ahead and relist.)
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
533273
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount:
| $6,000.00 |
Prosper Rating:
| B |
Listing Duration:
| 14 days
|
Minimum Amount to Fund:
| $4,200 |
Estimated loss*:
| 5.20% | | |
Term:
| 36 months | | | | |
|
Lender yield:
| 15.56% |
Borrower rate/APR:
| 16.56% / 18.75% |
Monthly payment:
| $212.60 |
|
Lender servicing fee:
| 1.00% |
Effective Yield*:
| 15.29% | | |
| |
Estimated return*:
| 10.09% | | |
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10):
| 5 |
First credit line:
| Mar-1978 |
Debt/Income ratio:
| Not calculated |
Credit score:
| 720-739 (Oct-2011) |
Inquiries last 6m:
| 3 | Employment status: | Employed |
Now delinquent:
| 3 |
Current / open credit lines:
| 9
/
8 | Length of status: | 4y 1m |
Amount delinquent:
| $13,627 |
Total credit lines:
| 26 |
Occupation: | Sales - Commission |
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $4,085 | Stated income: | $50,000-$74,999 |
Delinquencies in last 7y:
| 4 |
Bankcard utilization:
| 20% | | |
| |
Homeownership:
| No | | |
Screen name:
| texker |
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 / 1 |
On-time:
| 11 ( 100% )
| 720-739 (Latest)
|
Principal borrowed:
| $3,500.00 | < 31 days late:
| 0
( 0% )
| 700-719
(Oct-2010)
640-659
(Sep-2008)
640-659
(Sep-2007)
|
Principal balance:
| $2,714.99 |
31+ days late:
| 0
( 0% )
|
Total payments billed:
| 11 | | |
Description
Business Expansion
Purpose of loan: Buy Inventory
This loan will be used to expand existing inventory.
My financial situation:
I am a good candidate for this loan because I pay my bills, and have a rock solid business: the buying and selling of precious metals and rare coins.
Monthly net income: $3800
Monthly expenses: $600
Housing: $1200
Insurance: $180
Car expenses: $550
Utilities: $110
Phone, cable, internet: $70
Food, entertainment: $320
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
533337
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount:
| $5,000.00 |
Prosper Rating:
| E |
Listing Duration:
| 14 days
|
Minimum Amount to Fund:
| $3,500 |
Estimated loss*:
| 14.70% | | |
Term:
| 36 months | | | | |
|
Lender yield:
| 30.49% |
Borrower rate/APR:
| 31.49% / 35.13% |
Monthly payment:
| $216.36 |
|
Lender servicing fee:
| 1.00% |
Effective Yield*:
| 29.09% | | |
| |
Estimated return*:
| 14.39% | | |
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10):
| 5 |
First credit line:
| Mar-1999 |
Debt/Income ratio:
| 22% |
Credit score:
| 660-679 (Oct-2011) |
Inquiries last 6m:
| 3 | Employment status: | Employed |
Now delinquent:
| 4 |
Current / open credit lines:
| 5
/
3 | Length of status: | 6y 11m |
Amount delinquent:
| $3,665 |
Total credit lines:
| 18 |
Occupation: | Clergy |
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $4,774 | Stated income: | $25,000-$49,999 |
Delinquencies in last 7y:
| 42 |
Bankcard utilization:
| 28% | | |
| |
Homeownership:
| No | | |
Screen name:
| circa1984 |
Borrower's state:
| Vermont |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Description
Debt Consolidation
Purpose of loan:
This loan will be used to pay off outstanding debts.
My financial situation:
I am a good candidate for this loan because I pay all of my bills on time and have worked for the same company for almost 7 years. I currently gross over $35,500 a year in my current position. I also have a car lease in which I am a co-signer. Paying my bills are my main priority as I rarely spend money frivolously.
Monthly net income: $2,200
Monthly expenses: $0
Housing: $200
Insurance: $0 (paid in full until Feb/March 2012)
Car expenses: $272.75 (car payment) + $60 (gas)
Utilities: $81 (Verizon Wireless)
Phone, cable, internet: $60
Food, entertainment: $50
Clothing, household expenses: $50
Credit cards and other loans: $200 - 300 (trying to pay credit cards off as quickly as possible.)
Other expenses: $
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
533339
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
|
Minimum Amount to Fund:
| $2,100 |
Estimated loss*:
| 5.20% | | |
Term:
| 36 months | | | | |
|
Lender yield:
| 15.56% |
Borrower rate/APR:
| 16.56% / 18.75% |
Monthly payment:
| $106.30 |
|
Lender servicing fee:
| 1.00% |
Effective Yield*:
| 15.29% | | |
| |
Estimated return*:
| 10.09% | | |
* 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-1976 |
Debt/Income ratio:
| Self-employed (DTI Not Calculated) |
Credit score:
| 700-719 (Oct-2011) |
Inquiries last 6m:
| 0 | Employment status: | Self-employed |
Now delinquent:
| 0 |
Current / open credit lines:
| 7
/
7 | Length of status: | 4y 9m |
Amount delinquent:
| $0 |
Total credit lines:
| 22 |
Occupation: | Sales - Retail |
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $82,555 | Stated income: | $1-$24,999 |
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 73% | | |
| |
Homeownership:
| Yes | | |
Screen name:
| test4965 |
Borrower's state:
| Florida |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan history | Payment history | Credit score history |
Active / total loans:
| 1 / 1 |
On-time:
| 6 ( 100% )
| 700-719 (Latest)
|
Principal borrowed:
| $3,000.00 | < 31 days late:
| 0
( 0% )
| 720-739
(Feb-2011)
|
Principal balance:
| $2,649.14 |
31+ days late:
| 0
( 0% )
|
Total payments billed:
| 6 | | |
Description
Will Use to Consolidate Debt
I am a good candidate for this loan because i have already exhibited
my ability to pay not only for this loan as well as i have
paid for my own health insurance/mortgage/Car payment/All my utilites
and have not gotten any phone calls like some others have asking where
is my payment.
Check my scores on websites i am always in the 700's.
Thanks in advance for helping me out.Enjoy working with others
here on Prosper.
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
533351
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount:
| $4,000.00 |
Prosper Rating:
| HR |
Listing Duration:
| 14 days
|
Minimum Amount to Fund:
| $2,800 |
Estimated loss*:
| 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:
| Sep-1990 |
Debt/Income ratio:
| 24% |
Credit score:
| 700-719 (Oct-2011) |
Inquiries last 6m:
| 5 | Employment status: | Employed |
Now delinquent:
| 0 |
Current / open credit lines:
| 7
/
7 | Length of status: | 14y 1m |
Amount delinquent:
| $0 |
Total credit lines:
| 20 |
Occupation: | Teacher |
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $36,267 | Stated income: | $75,000-$99,999 |
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 80% | | |
| |
Homeownership:
| Yes | | |
Screen name:
| courageous-compassion9 |
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
Dwillia7
Purpose of loan:
This loan will be used to...
Just sold my house for a loss and now I need to pay the Balance.
My financial situation:
I am a good candidate for this loan because...
I alway pay all my bills on time and I am working on downsizing and paying of mt debt.
Monthly net income: $4356.00
Monthly expenses: $500
Housing: $0
Insurance: $0
Car expenses: $250
Utilities: $70
Phone, cable, internet: $187
Food, entertainment: $200
Clothing, household expenses: $0
Credit cards and other loans: $1000
Other expenses: $0
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
533355
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:
| $2,600.00 |
Prosper Rating:
| B |
Listing Duration:
| 14 days
|
Minimum Amount to Fund:
| $2,600 |
Estimated loss*:
| 5.20% | | |
Term:
| 36 months | | | | |
|
Lender yield:
| 15.56% |
Borrower rate/APR:
| 16.56% / 18.75% |
Monthly payment:
| $92.13 |
|
Lender servicing fee:
| 1.00% |
Effective Yield*:
| 15.29% | | |
| |
Estimated return*:
| 10.09% | | |
* 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:
| Apr-1998 |
Debt/Income ratio:
| 10% |
Credit score:
| 720-739 (Oct-2011) |
Inquiries last 6m:
| 1 | Employment status: | Employed |
Now delinquent:
| 1 |
Current / open credit lines:
| 4
/
5 | Length of status: | 9y 11m |
Amount delinquent:
| $26,752 |
Total credit lines:
| 29 |
Occupation: | Postal Service |
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $698 | Stated income: | $50,000-$74,999 |
Delinquencies in last 7y:
| 14 |
Bankcard utilization:
| 34% | | |
| |
Homeownership:
| Yes | | |
Screen name:
| GD123 |
Borrower's state:
| Utah |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan history | Payment history | Credit score history |
Active / total loans:
| 0 / 2 |
On-time:
| 28 ( 100% )
| 720-739 (Latest)
|
Principal borrowed:
| $8,000.00 | < 31 days late:
| 0
( 0% )
| 680-699
(Sep-2010)
660-679
(Jan-2010)
640-659
(Jul-2008)
|
Principal balance:
| $0.60 |
31+ days late:
| 0
( 0% )
|
Total payments billed:
| 28 | | |
Description
My loan for home improvement
I need to get a new furnace put in my home.
My financial situation is good, We have had alot of medical bills in the past, but things are turning around for us.
I am a good candidate for this loan because...I have had Prosper loans in the past and they have all been paid on time. I have been working hard to get my credit rating up and take care of my family. I will keep this loan in good standing and will have payments electonicly deducted from my account.
Monthly net income: $3685.11
Monthly expenses: $
Housing: $500
Insurance: $84
Car expenses: $deducted from paycheck
Utilities: $175
Phone, cable, internet: $210
Food, entertainment: $800
Clothing, household expenses: $100
Credit cards and other loans: $
Other expenses: $
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
533373
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount:
| $10,000.00 |
Prosper Rating:
| B |
Listing Duration:
| 14 days
|
Minimum Amount to Fund:
| $7,000 |
Estimated loss*:
| 5.95% | | |
Term:
| 60 months | | | | |
|
Lender yield:
| 20.99% |
Borrower rate/APR:
| 21.99% / 23.48% |
Monthly payment:
| $276.13 |
|
Lender servicing fee:
| 1.00% |
Effective Yield*:
| 20.62% | | |
| |
Estimated return*:
| 14.67% | | |
* 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):
| 9 |
First credit line:
| Apr-2000 |
Debt/Income ratio:
| 17% |
Credit score:
| 700-719 (Oct-2011) |
Inquiries last 6m:
| 0 | Employment status: | Employed |
Now delinquent:
| 0 |
Current / open credit lines:
| 8
/
3 | Length of status: | 4y 9m |
Amount delinquent:
| $0 |
Total credit lines:
| 14 |
Occupation: | Other |
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $20,962 | Stated income: | $25,000-$49,999 |
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 70% | | |
| |
Homeownership:
| No | | |
Screen name:
| responsive-dedication4 |
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
Capital to expand business
Purpose of loan:
This loan will be used to free up my personal credit, and allow me to fund my business without seeking further investors.
My financial situation: I have more personal debt than I would like to have. I would like to pay down my debt and use another $5,000 to fund a business. This project will likely increase my income by 50% over the next two years, but I would be more comfortable avoiding the use of my credit cards.
I'm currently not paying rent, and I invest the majority of my paycheck each month.
Monthly net income: $5000
Monthly expenses: See below.
Housing: $NA
Insurance: $300
Car expenses: $300
Utilities: $NA
Phone, cable, internet: $100
Food, entertainment: $500
Clothing, household expenses: $100
Credit cards and other loans: $500
Other expenses: $200
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
533381
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:
| $18,500.00 |
Prosper Rating:
| A |
Listing Duration:
| 14 days
|
Minimum Amount to Fund:
| $12,950 |
Estimated loss*:
| 2.00% | | |
Term:
| 36 months | | | | |
|
Lender yield:
| 10.10% |
Borrower rate/APR:
| 11.10% / 13.22% |
Monthly payment:
| $606.54 |
|
Lender servicing fee:
| 1.00% |
Effective Yield*:
| 10.07% | | |
| |
Estimated return*:
| 8.07% | | |
* 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-1988 |
Debt/Income ratio:
| 14% |
Credit score:
| 740-759 (Oct-2011) |
Inquiries last 6m:
| 1 | Employment status: | Employed |
Now delinquent:
| 0 |
Current / open credit lines:
| 16
/
15 | Length of status: | 11y 6m |
Amount delinquent:
| $0 |
Total credit lines:
| 31 |
Occupation: | Professional |
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $145,374 | Stated income: | $100,000+ |
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 50% | | |
| |
Homeownership:
| Yes | | |
Screen name:
| responsibility-exchanger |
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 / 1 |
On-time:
| 15 ( 100% )
| 740-759 (Latest)
|
Principal borrowed:
| $10,000.00 | < 31 days late:
| 0
( 0% )
| 740-759
(Jun-2010)
760-779
(Dec-2009)
|
Principal balance:
| $6,366.29 |
31+ days late:
| 0
( 0% )
|
Total payments billed:
| 15 | | |
Description
WAN Circuit Build out
Purpose of loan:
Install private fiber optic network for hosted services
My financial situation:
This is an exisitng business with significant revenue (1.2M) with a new opportunity with an existing client.
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
533421
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
|
Minimum Amount to Fund:
| $4,900 |
Estimated loss*:
| 10.50% | | |
Term:
| 36 months | | | | |
|
Lender yield:
| 24.74% |
Borrower rate/APR:
| 25.74% / 29.25% |
Monthly payment:
| $281.07 |
|
Lender servicing fee:
| 1.00% |
Effective Yield*:
| 24.13% | | |
| |
Estimated return*:
| 13.63% | | |
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10):
| 4 |
First credit line:
| Jul-2004 |
Debt/Income ratio:
| Not calculated |
Credit score:
| 600-619 (Oct-2011) |
Inquiries last 6m:
| 0 | Employment status: | Employed |
Now delinquent:
| 1 |
Current / open credit lines:
| 6
/
6 | Length of status: | 2y 6m |
Amount delinquent:
| $59 |
Total credit lines:
| 11 |
Occupation: | Executive |
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $36,307 | Stated income: | $1-$24,999 |
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 64% | | |
| |
Homeownership:
| No | | |
Screen name:
| glowing-bid5 |
Borrower's state:
| NewYork |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan history | Payment history | Credit score history |
Active / total loans:
| 1 / 1 |
On-time:
| 10 ( 100% )
| 600-619 (Latest)
|
Principal borrowed:
| $5,000.00 | < 31 days late:
| 0
( 0% )
| 680-699
(Nov-2010)
|
Principal balance:
| $4,012.12 |
31+ days late:
| 0
( 0% )
|
Total payments billed:
| 10 | | |
Description
Entrepreneur Loan for Marketing
This loan will be used for my bootstrapped financial services startup to cover some upfront marketing costs involved with setting up our company on the online affiliate networks. The marketing will help us receive enough recurring cash flows to pay back the interest on the loan with 100% confidence.
I am a good candidate for this loan because I have never missed a payment on any loan or credit card in my life. I am a repeat Prosper borrower who has never missed a payment on my other loan and generates a very nice return for my lenders.
Thank you for your help in helping an entrepreneur realize his dreams. God bless you, and god bless America.
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
533435
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount:
| $10,000.00 |
Prosper Rating:
| D |
Listing Duration:
| 14 days
|
Minimum Amount to Fund:
| $7,000 |
Estimated loss*:
| 11.20% | | |
Term:
| 36 months | | | | |
|
Lender yield:
| 24.99% |
Borrower rate/APR:
| 25.99% / 29.51% |
Monthly payment:
| $402.85 |
|
Lender servicing fee:
| 1.00% |
Effective Yield*:
| 24.37% | | |
| |
Estimated return*:
| 13.17% | | |
* 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:
| Apr-2000 |
Debt/Income ratio:
| 34% |
Credit score:
| 700-719 (Oct-2011) |
Inquiries last 6m:
| 3 | Employment status: | Employed |
Now delinquent:
| 0 |
Current / open credit lines:
| 16
/
16 | Length of status: | 13y 5m |
Amount delinquent:
| $0 |
Total credit lines:
| 27 |
Occupation: | Tradesman - Mechani... |
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $31,274 | Stated income: | $50,000-$74,999 |
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 59% | | |
| |
Homeownership:
| Yes | | |
Screen name:
| transformer897 |
Borrower's state:
| Missouri |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Description
401K payback
Purpose of loan: repay an existing 401k loan so I may borrow from it again to pay off my debt
My financial situation: I am starting to struggle with these new credit rates and would like them gone, but I am not behind on any of them.
I am a good candidate for this loan because I will use this money to pay a 401k loan so I may take another loan from my 401k. Part of what I re-borrow will go to pay off this PROSPER loan. I will repay in full this PROSPER loan in less then 6 months.
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
533463
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount:
| $7,500.00 |
Prosper Rating:
| E |
Listing Duration:
| 14 days
|
Minimum Amount to Fund:
| $5,250 |
Estimated loss*:
| 14.90% | | |
Term:
| 36 months | | | | |
|
Lender yield:
| 30.60% |
Borrower rate/APR:
| 31.60% / 35.24% |
Monthly payment:
| $324.99 |
|
Lender servicing fee:
| 1.00% |
Effective Yield*:
| 29.20% | | |
| |
Estimated return*:
| 14.30% | | |
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10):
| 1 |
First credit line:
| Mar-1997 |
Debt/Income ratio:
| 39% |
Credit score:
| 620-639 (Oct-2011) |
Inquiries last 6m:
| 4 | Employment status: | Employed |
Now delinquent:
| 2 |
Current / open credit lines:
| 12
/
13 | Length of status: | 3y 7m |
Amount delinquent:
| $138 |
Total credit lines:
| 22 |
Occupation: | Professional |
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $18,452 | Stated income: | $75,000-$99,999 |
Delinquencies in last 7y:
| 2 |
Bankcard utilization:
| 55% | | |
| |
Homeownership:
| No | | |
Screen name:
| reliable-gain |
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.
Prosper Activity
Loan history | Payment history | Credit score history |
Active / total loans:
| 0 / 1 |
On-time:
| 1 ( 100% )
| 620-639 (Latest)
|
Principal borrowed:
| $2,500.00 | < 31 days late:
| 0
( 0% )
| 660-679
(Nov-2009)
|
Principal balance:
| $0.00 |
31+ days late:
| 0
( 0% )
|
Total payments billed:
| 1 | | |
Description
Emergency Bathroom Remodel!
Purpose of loan:
This loan will be used to remodel a second bathroom in a new home which was just discovered to have undergone a faulty vanity installation. An unexpected expense in a new home, but the bathroom will need to be redone
My financial situation:
I am a good candidate for this loan because I have more than adequate income to pay the loan off quickly and reliably.
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
533469
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount:
| $2,000.00 |
Prosper Rating:
| B |
Listing Duration:
| 14 days
|
Minimum Amount to Fund:
| $2,000 |
Estimated loss*:
| 5.20% | | |
Term:
| 36 months | | | | |
|
Lender yield:
| 15.56% |
Borrower rate/APR:
| 16.56% / 18.75% |
Monthly payment:
| $70.87 |
|
Lender servicing fee:
| 1.00% |
Effective Yield*:
| 15.29% | | |
| |
Estimated return*:
| 10.09% | | |
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10):
| 6 |
First credit line:
| Jul-2004 |
Debt/Income ratio:
| 24% |
Credit score:
| 660-679 (Oct-2011) |
Inquiries last 6m:
| 0 | Employment status: | Employed |
Now delinquent:
| 0 |
Current / open credit lines:
| 5
/
4 | Length of status: | 1y 2m |
Amount delinquent:
| $0 |
Total credit lines:
| 11 |
Occupation: | Laborer |
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $726 | Stated income: | $25,000-$49,999 |
Delinquencies in last 7y:
| 19 |
Bankcard utilization:
| 49% | | |
| |
Homeownership:
| No | | |
Screen name:
| gators_17 |
Borrower's state:
| Minnesota |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan history | Payment history | Credit score history |
Active / total loans:
| 0 / 1 |
On-time:
| 35 ( 100% )
| 660-679 (Latest)
|
Principal borrowed:
| $1,500.00 | < 31 days late:
| 0
( 0% )
| 520-539
(Jul-2008)
|
Principal balance:
| $0.00 |
31+ days late:
| 0
( 0% )
|
Total payments billed:
| 35 | | |
Description
My loan for home improvement
Purpose of loan:
This loan will be used to...
New furniture for my new place
My financial situation:
I am a good candidate for this loan because...
I am responsible with my bills and pay them on time
Monthly net income: $2400
Monthly expenses: $
Housing: $400
Insurance: $100
Car expenses: $400
Utilities: $100
Phone, cable, internet: $150
Food, entertainment: $200
Clothing, household expenses: $
Credit cards and other loans: $100
Other expenses: $
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
533503
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
|
Minimum Amount to Fund:
| $3,500 |
Estimated loss*:
| 2.00% | | |
Term:
| 36 months | | | | |
|
Lender yield:
| 10.10% |
Borrower rate/APR:
| 11.10% / 13.22% |
Monthly payment:
| $163.93 |
|
Lender servicing fee:
| 1.00% |
Effective Yield*:
| 10.07% | | |
| |
Estimated return*:
| 8.07% | | |
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10):
| 8 |
First credit line:
| May-1996 |
Debt/Income ratio:
| 31% |
Credit score:
| 760-779 (Oct-2011) |
Inquiries last 6m:
| 0 | Employment status: | Employed |
Now delinquent:
| 0 |
Current / open credit lines:
| 11
/
10 | Length of status: | 9y 5m |
Amount delinquent:
| $0 |
Total credit lines:
| 25 |
Occupation: | Sales - Commission |
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $17,060 | Stated income: | $50,000-$74,999 |
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 49% | | |
| |
Homeownership:
| Yes | | |
Screen name:
| brightest-goodhearted-principal |
Borrower's state:
| Florida |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan history | Payment history | Credit score history |
Active / total loans:
| 1 / 1 |
On-time:
| 7 ( 100% )
| 760-779 (Latest)
|
Principal borrowed:
| $3,000.00 | < 31 days late:
| 0
( 0% )
| 740-759
(Feb-2011)
740-759
(Nov-2010)
|
Principal balance:
| $2,579.36 |
31+ days late:
| 0
( 0% )
|
Total payments billed:
| 7 | | |
Description
Home improvements
Purpose of loan:
This loan will be used to...
My financial situation:
I am a good candidate for this loan because...
I pay all bills on time and have made sure in the past that Prosper has been paid it's monthly payments on time as well. Thank you
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
533527
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
|
Minimum Amount to Fund:
| $2,100 |
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:
| Sep-1998 |
Debt/Income ratio:
| 8% |
Credit score:
| 740-759 (Oct-2011) |
Inquiries last 6m:
| 1 | Employment status: | Employed |
Now delinquent:
| 0 |
Current / open credit lines:
| 6
/
6 | Length of status: | 12y 1m |
Amount delinquent:
| $0 |
Total credit lines:
| 25 |
Occupation: | Other |
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $22,255 | Stated income: | $100,000+ |
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 99% | | |
| |
Homeownership:
| Yes | | |
Screen name:
| commerce-captain2 |
Borrower's state:
| Florida |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Description
Debt Consolidation
Purpose of loan:
This loan will be used to...
Debt consolidation.
My financial situation:
I am a good candidate for this loan because...
I make $140,000 + a year and I am always on time with my monthly payments.
Monthly net income: $
Monthly expenses: $
Housing: $
Insurance: $
Car expenses: $
Utilities: $
Phone, cable, internet: $
Food, entertainment: $
Clothing, household expenses: $
Credit cards and other loans: $
Other expenses: $
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
533593
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
|
Minimum Amount to Fund:
| $7,000 |
Estimated loss*:
| 11.20% | | |
Term:
| 36 months | | | | |
|
Lender yield:
| 24.99% |
Borrower rate/APR:
| 25.99% / 29.51% |
Monthly payment:
| $282.00 |
|
Lender servicing fee:
| 1.00% |
Effective Yield*:
| 24.37% | | |
| |
Estimated return*:
| 13.17% | | |
* 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-1998 |
Debt/Income ratio:
| 24% |
Credit score:
| 700-719 (Oct-2011) |
Inquiries last 6m:
| 0 | Employment status: | Employed |
Now delinquent:
| 1 |
Current / open credit lines:
| 9
/
9 | Length of status: | 1y 5m |
Amount delinquent:
| $138 |
Total credit lines:
| 39 |
Occupation: | Other |
Public records last 12m / 10y:
| 0/ 1 |
Revolving credit balance:
| $4,759 | Stated income: | $50,000-$74,999 |
Delinquencies in last 7y:
| 51 |
Bankcard utilization:
| 39% | | |
| |
Homeownership:
| Yes | | |
Screen name:
| felicity-atlantis2 |
Borrower's state:
| Florida |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Description
Need Replacement of Windows
Purpose of loan: To upgrade my windows to higher efficiency windows
This loan will be used to...Replace windows
My financial situation: Employed full-time as an Occupational Therapist
I am a good candidate for this loan because...I've been working towards getting my home more energy efficient and this loan will help me complete my desire to have my home more energy efficient. Do not owe for the upgrades I've done so far. I have a stable, good paying professional job so repayment will not be an issue.
Monthly net income: $4000
Monthly expenses: $
Housing: $ 1574
Insurance: $ 96
Car expenses: $ 398
Utilities: $250
Phone, cable, internet: $ 80
Food, entertainment: $ 300
Clothing, household expenses: $200
Credit cards and other loans: $350
Other expenses: $
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
533599
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount:
| $7,500.00 |
Prosper Rating:
| E |
Listing Duration:
| 14 days
|
Minimum Amount to Fund:
| $5,250 |
Estimated loss*:
| 14.90% | | |
Term:
| 36 months | | | | |
|
Lender yield:
| 30.60% |
Borrower rate/APR:
| 31.60% / 35.24% |
Monthly payment:
| $324.99 |
|
Lender servicing fee:
| 1.00% |
Effective Yield*:
| 29.20% | | |
| |
Estimated return*:
| 14.30% | | |
* 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:
| Jul-1995 |
Debt/Income ratio:
| 22% |
Credit score:
| 620-639 (Oct-2011) |
Inquiries last 6m:
| 0 | Employment status: | Employed |
Now delinquent:
| 2 |
Current / open credit lines:
| 11
/
10 | Length of status: | 1y 1m |
Amount delinquent:
| $14,090 |
Total credit lines:
| 23 |
Occupation: | Sales - Commission |
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $39,628 | Stated income: | $50,000-$74,999 |
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 102% | | |
| |
Homeownership:
| Yes | | |
Screen name:
| jayshock |
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.
Prosper Activity
Loan history | Payment history | Credit score history |
Active / total loans:
| 0 / 1 |
On-time:
| 11 ( 100% )
| 620-639 (Latest)
|
Principal borrowed:
| $11,000.00 | < 31 days late:
| 0
( 0% )
| 720-739
(Apr-2008)
|
Principal balance:
| $0.00 |
31+ days late:
| 0
( 0% )
|
Total payments billed:
| 11 | | |
Description
pay off credit card
Purpose of loan:
This loan will be used to pay off and close one of my credit cards.
My financial situation:
I am a good candidate for this loan because I have a safe and secure job in the oil industry and do not live above my means.
Monthly net income: $
Monthly expenses: $
Housing: $
Insurance: $
Car expenses: $
Utilities: $
Phone, cable, internet: $
Food, entertainment: $
Clothing, household expenses: $
Credit cards and other loans: $
Other expenses: $
Information in the Description is not verified.