Listing Report:Supplement No. 47 dated Mar 07, 2012 to Prospectus dated Feb 14, 2012File 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 Feb 14, 2012 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 Feb 14, 2012 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
543368
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*:
| 11.90% | | |
Term:
| 60 months | | | | |
|
Lender yield:
| 27.70% |
Borrower rate/APR:
| 28.70% / 31.38% |
Monthly payment:
| $220.92 |
|
Lender servicing fee:
| 1.00% |
Effective Yield*:
| 27.01% | | |
| |
Estimated return*:
| 15.11% | | |
* 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-2011 |
Debt/Income ratio:
| 12% |
Credit score:
| 680-699 (Feb-2012) |
Inquiries last 6m:
| 3 | Employment status: | Employed |
Now delinquent:
| 0 |
Current / open credit lines:
| 2
/
2 | Length of status: | 1y 0m |
Amount delinquent:
| $0 |
Total credit lines:
| 2 |
Occupation: | Nurse's Aide |
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $131 | Stated income: | $25,000-$49,999 |
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 32% | | |
| |
Homeownership:
| No | | |
Screen name:
| fairness-keeper1 |
Borrower's state:
| Colorado |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Description
My loan is to pay off my car
Purpose of loan:
This loan will be used to pay off a personal loan from purchasing my first car.
My financial situation:
I am a good candidate for this loan because I just got promoted from my job and I have job security, I am also starting a second job this month to pay this loan off within or less than a year.
Monthly net income: $2040
Monthly expenses: $50
Housing: $475
Insurance: $85
Car expenses: $75
Utilities: $0
Phone, cable, internet: $0
Food, entertainment: $0
Clothing, household expenses: $0
Credit cards and other loans: $100
Other expenses: $0
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
565642
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*:
| 5.65% | | |
Term:
| 36 months | | | | |
|
Lender yield:
| 13.49% |
Borrower rate/APR:
| 14.49% / 17.36% |
Monthly payment:
| $344.16 |
|
Lender servicing fee:
| 1.00% |
Effective Yield*:
| 13.26% | | |
| |
Estimated return*:
| 7.61% | | |
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10):
| 8 |
First credit line:
| Aug-1994 |
Debt/Income ratio:
| 28% |
Credit score:
| 700-719 (Mar-2012) |
Inquiries last 6m:
| 0 | Employment status: | Employed |
Now delinquent:
| 0 |
Current / open credit lines:
| 8
/
8 | Length of status: | 5y 11m |
Amount delinquent:
| $0 |
Total credit lines:
| 13 |
Occupation: | Other |
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $25,943 | Stated income: | $50,000-$74,999 |
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 70% | | |
| |
Homeownership:
| No | | |
Screen name:
| peso-sleuth4 |
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
Time to crunch credit cards
Purpose of loan: Getting debt off credit card
This loan will be used to...
Pay off credit cards
My financial situation is very good. I've recently paid off two loans and am ready to tackle the revolving debt.
I am a good candidate for this loan because...I have never defaulted on a loan or credit card. I have a long credit history showing responsible borrowing behavior.
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
565700
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:
| A |
Listing Duration:
| 14 days
|
Minimum Amount to Fund:
| $2,100 |
Estimated loss*:
| 2.00% | | |
Term:
| 36 months | | | | |
|
Lender yield:
| 7.99% |
Borrower rate/APR:
| 8.99% / 11.77% |
Monthly payment:
| $95.39 |
|
Lender servicing fee:
| 1.00% |
Effective Yield*:
| 7.97% | | |
| |
Estimated return*:
| 5.97% | | |
* 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-1996 |
Debt/Income ratio:
| 32% |
Credit score:
| 720-739 (Mar-2012) |
Inquiries last 6m:
| 0 | Employment status: | Employed |
Now delinquent:
| 0 |
Current / open credit lines:
| 19
/
15 | Length of status: | 7y 6m |
Amount delinquent:
| $0 |
Total credit lines:
| 46 |
Occupation: | Teacher |
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $12,498 | Stated income: | $50,000-$74,999 |
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 31% | | |
| |
Homeownership:
| No | | |
Screen name:
| me29 |
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:
| 62 ( 100% )
| 720-739 (Latest)
|
Principal borrowed:
| $7,200.00 | < 31 days late:
| 0
( 0% )
| 680-699
(Nov-2009)
700-719
(Sep-2009)
660-679
(Mar-2008)
|
Principal balance:
| $387.51 |
31+ days late:
| 0
( 0% )
|
Total payments billed:
| 62 | | |
Description
Home improvements!
Purpose of loan:
This loan will be used to...
pay for miscellaneous household expenses and to help pay for brand new garage.
My financial situation:
I am a good candidate for this loan because...I have never, ever missed a payment and have had two loans on prosper.
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
565706
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*:
| 11.90% | | |
Term:
| 36 months | | | | |
|
Lender yield:
| 23.52% |
Borrower rate/APR:
| 24.52% / 28.37% |
Monthly payment:
| $197.53 |
|
Lender servicing fee:
| 1.00% |
Effective Yield*:
| 22.94% | | |
| |
Estimated return*:
| 11.04% | | |
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10):
| 6 |
First credit line:
| Jun-1994 |
Debt/Income ratio:
| 22% |
Credit score:
| 680-699 (Mar-2012) |
Inquiries last 6m:
| 0 | Employment status: | Employed |
Now delinquent:
| 0 |
Current / open credit lines:
| 4
/
4 | Length of status: | 4y 0m |
Amount delinquent:
| $0 |
Total credit lines:
| 5 |
Occupation: | Sales - Commission |
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $2,943 | Stated income: | $25,000-$49,999 |
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 69% | | |
| |
Homeownership:
| No | | |
Screen name:
| LOAN_DOC |
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
Business
Purpose of loan:
This loan will be used to jump start my new business. I have developed a new product to be sold in tack & feed shops, etc.
My financial situation:
I am a good candidate for this loan because I have full time work and pay my bills on time.
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
565712
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:
| AA |
Listing Duration:
| 14 days
|
Minimum Amount to Fund:
| $2,800 |
Estimated loss*:
| 1.00% | | |
Term:
| 36 months | | | | |
|
Lender yield:
| 5.49% |
Borrower rate/APR:
| 6.49% / 6.83% |
Monthly payment:
| $122.58 |
|
Lender servicing fee:
| 1.00% |
Effective Yield*:
| 5.49% | | |
| |
Estimated return*:
| 4.49% | | |
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10):
| 10 |
First credit line:
| Aug-1991 |
Debt/Income ratio:
| 5% |
Credit score:
| 800-819 (Mar-2012) |
Inquiries last 6m:
| 0 | Employment status: | Employed |
Now delinquent:
| 0 |
Current / open credit lines:
| 6
/
6 | Length of status: | 7y 6m |
Amount delinquent:
| $0 |
Total credit lines:
| 18 |
Occupation: | Administrative Assi... |
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $4,733 | Stated income: | $100,000+ |
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 24% | | |
| |
Homeownership:
| Yes | | |
Screen name:
| poetic-loan066 |
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
for new house
No description is available.
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
565786
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*:
| 9.90% | | |
Term:
| 36 months | | | | |
|
Lender yield:
| 21.87% |
Borrower rate/APR:
| 22.87% / 26.68% |
Monthly payment:
| $77.28 |
|
Lender servicing fee:
| 1.00% |
Effective Yield*:
| 21.34% | | |
| |
Estimated return*:
| 11.44% | | |
* 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-2000 |
Debt/Income ratio:
| Self-employed (DTI Not Calculated) |
Credit score:
| 640-659 (Mar-2012) |
Inquiries last 6m:
| 0 | Employment status: | Self-employed |
Now delinquent:
| 0 |
Current / open credit lines:
| 4
/
4 | Length of status: | 3y 0m |
Amount delinquent:
| $0 |
Total credit lines:
| 12 |
Occupation: | Engineer - Mechanic... |
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $57,310 | Stated income: | $25,000-$49,999 |
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 98% | | |
| |
Homeownership:
| No | | |
Screen name:
| Free2B |
Borrower's state:
| Oregon |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan history | Payment history | Credit score history |
Active / total loans:
| 0 / 1 |
On-time:
| 35 ( 100% )
| 640-659 (Latest)
|
Principal borrowed:
| $5,000.00 | < 31 days late:
| 0
( 0% )
| 760-779
(May-2008)
|
Principal balance:
| $0.00 |
31+ days late:
| 0
( 0% )
|
Total payments billed:
| 35 | | |
Description
Property Taxes on Family Home
Purpose of loan:
This loan will be used to pay back property taxes on a property I own that used to belong to my grandfather.
My financial situation:
I am a good candidate for this loan because I have been paying all of my bills and have a history of paying off loans and debts. I paid off a $9,000 car loan with and a $5,000 Prosper loan. I currently have a high debt level because it was the only way to pay the lien off to save this home from being foreclosed on. The property has been in my family for over 60 years and it was a good deal for the price of the lien. I just need a little help at this moment to come up with a little extra to save it once more. I have had a great credit score up until this point and the only reason it has fallen is due to the size on my debt. I have been making all of my payments and have never defaulted on a debt.
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
565798
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount:
| $11,000.00 |
Prosper Rating:
| D |
Listing Duration:
| 14 days
|
Minimum Amount to Fund:
| $7,700 |
Estimated loss*:
| 9.90% | | |
Term:
| 60 months | | | | |
|
Lender yield:
| 26.05% |
Borrower rate/APR:
| 27.05% / 29.68% |
Monthly payment:
| $336.22 |
|
Lender servicing fee:
| 1.00% |
Effective Yield*:
| 25.40% | | |
| |
Estimated return*:
| 15.50% | | |
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10):
| 4 |
First credit line:
| Sep-1995 |
Debt/Income ratio:
| 29% |
Credit score:
| 640-659 (Mar-2012) |
Inquiries last 6m:
| 2 | Employment status: | Employed |
Now delinquent:
| 0 |
Current / open credit lines:
| 19
/
11 | Length of status: | 12y 4m |
Amount delinquent:
| $0 |
Total credit lines:
| 45 |
Occupation: | Pilot - Private/Com... |
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $16,863 | Stated income: | $100,000+ |
Delinquencies in last 7y:
| 1 |
Bankcard utilization:
| 83% | | |
| |
Homeownership:
| Yes | | |
Screen name:
| inspiring-cash4 |
Borrower's state:
| Indiana |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan history | Payment history | Credit score history |
Active / total loans:
| 1 / 2 |
On-time:
| 31 ( 100% )
| 640-659 (Latest)
|
Principal borrowed:
| $21,000.00 | < 31 days late:
| 0
( 0% )
| 740-759
(Jun-2011)
740-759
(Aug-2009)
|
Principal balance:
| $13,727.47 |
31+ days late:
| 0
( 0% )
|
Total payments billed:
| 31 | | |
Description
Loan for Standby Generator
As our business has grown the risk of the electricity going off for hours or weeks at a time would bear devastating financial consequences to our operation.
We would look to a back-up generator for momentary and prolonged electrical outages. Electrical power is needed to power systems so we can get the cows milked. It is possible to milk the cows by hand but as the herd grows that becomes less and less practical. Now that our inventory of refrigerated and frozen meat products has grown to over a $12,000 value we do not want to risk a prolonged electrical outage due to an ice or thunderstorm storm to cause us to lose this inventory. It is possible to relocate product to ?cold? storage, but after a severe storm hits we will probably have more to worry about than preserving meat inventory (i.e. caring for the animals). Also, a generator would allow any security systems to remain dependable during short or long power outages.
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
565832
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:
| D |
Listing Duration:
| 14 days
|
Minimum Amount to Fund:
| $8,400 |
Estimated loss*:
| 11.90% | | |
Term:
| 60 months | | | | |
|
Lender yield:
| 27.70% |
Borrower rate/APR:
| 28.70% / 31.38% |
Monthly payment:
| $378.71 |
|
Lender servicing fee:
| 1.00% |
Effective Yield*:
| 27.01% | | |
| |
Estimated return*:
| 15.11% | | |
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10):
| 6 |
First credit line:
| May-1995 |
Debt/Income ratio:
| 4% |
Credit score:
| 700-719 (Mar-2012) |
Inquiries last 6m:
| 3 | Employment status: | Employed |
Now delinquent:
| 1 |
Current / open credit lines:
| 2
/
2 | Length of status: | 0y 8m |
Amount delinquent:
| $1,166 |
Total credit lines:
| 10 |
Occupation: | Professional |
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $0 | Stated income: | $100,000+ |
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 0% | | |
| |
Homeownership:
| No | | |
Screen name:
| yresnob |
Borrower's state:
| California |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Description
Home Down Payment
Purpose of loan:
This loan will be used for a down payment for a FHA loan to buy a home in San Francisco.
My financial situation:
I am a good candidate for this loan because my credit is good, I do nto have any other Debt and in good standing with all accounts. I also am a software engineer and have never been unemployed for a long period of time.
I have 8000 saved up already but this woudl really help with our purchase options and is not any more than I truly need for the 3.5% down payment and closing costs.
Monthly net income: 6000
Monthly expenses: 3770
Housing: 1400 (with new mortgage will be around 1800-2000)
Insurance: $0 I do not own a car.
Car expenses: $0
Utilities: $275
Phone, cable, internet: $95
Food, entertainment: $1500
Clothing, household expenses: $500
Credit cards and other loans: 0
Other expenses: $0
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
565844
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount:
| $4,000.00 |
Prosper Rating:
| E |
Listing Duration:
| 14 days
|
Minimum Amount to Fund:
| $2,800 |
Estimated loss*:
| 14.90% | | |
Term:
| 60 months | | | | |
|
Lender yield:
| 32.04% |
Borrower rate/APR:
| 33.04% / 35.84% |
Monthly payment:
| $136.98 |
|
Lender servicing fee:
| 1.00% |
Effective Yield*:
| 30.57% | | |
| |
Estimated return*:
| 15.67% | | |
* 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:
| Mar-1978 |
Debt/Income ratio:
| 14% |
Credit score:
| 620-639 (Mar-2012) |
Inquiries last 6m:
| 14 | Employment status: | Employed |
Now delinquent:
| 0 |
Current / open credit lines:
| 25
/
22 | Length of status: | 1y 10m |
Amount delinquent:
| $0 |
Total credit lines:
| 52 |
Occupation: | Doctor |
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $83,763 | Stated income: | $100,000+ |
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 91% | | |
| |
Homeownership:
| No | | |
Screen name:
| proper-kindness993 |
Borrower's state:
| NewJersey |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan history | Payment history | Credit score history |
Active / total loans:
| 1 / 1 |
On-time:
| 9 ( 100% )
| 620-639 (Latest)
|
Principal borrowed:
| $7,500.00 | < 31 days late:
| 0
( 0% )
| 660-679
(May-2011)
680-699
(Apr-2011)
|
Principal balance:
| $6,245.46 |
31+ days late:
| 0
( 0% )
|
Total payments billed:
| 9 | | |
Description
debt
No description is available.
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
565858
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*:
| 5.65% | | |
Term:
| 36 months | | | | |
|
Lender yield:
| 13.49% |
Borrower rate/APR:
| 14.49% / 17.36% |
Monthly payment:
| $137.66 |
|
Lender servicing fee:
| 1.00% |
Effective Yield*:
| 13.26% | | |
| |
Estimated return*:
| 7.61% | | |
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10):
| 8 |
First credit line:
| May-1996 |
Debt/Income ratio:
| 4% |
Credit score:
| 700-719 (Mar-2012) |
Inquiries last 6m:
| 0 | Employment status: | Employed |
Now delinquent:
| 3 |
Current / open credit lines:
| 6
/
4 | Length of status: | 3y 9m |
Amount delinquent:
| $1,066 |
Total credit lines:
| 17 |
Occupation: | Executive |
Public records last 12m / 10y:
| 0/ 1 |
Revolving credit balance:
| $1,014 | Stated income: | $75,000-$99,999 |
Delinquencies in last 7y:
| 1 |
Bankcard utilization:
| 27% | | |
| |
Homeownership:
| No | | |
Screen name:
| first-charming-order |
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
home improvement
No description is available.
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
565930
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:
| 30.77% |
Borrower rate/APR:
| 31.77% / 35.80% |
Monthly payment:
| $173.71 |
|
Lender servicing fee:
| 1.00% |
Effective Yield*:
| 28.96% | | |
| |
Estimated return*:
| 12.46% | | |
* 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:
| 3% |
Credit score:
| 660-679 (Feb-2012) |
Inquiries last 6m:
| 0 | Employment status: | Employed |
Now delinquent:
| 0 |
Current / open credit lines:
| 0
/
0 | Length of status: | 13y 1m |
Amount delinquent:
| $0 |
Total credit lines:
| 7 |
Occupation: | Other |
Public records last 12m / 10y:
| 3/ 6 |
Revolving credit balance:
| $0 | Stated income: | $75,000-$99,999 |
Delinquencies in last 7y:
| 2 |
Bankcard utilization:
| 0% | | |
| |
Homeownership:
| No | | |
Screen name:
| top-bill-recruiter |
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
Pay off my Taxes
Purpose of loan: We be used to pay off some taxes from 2009 that I owe
My financial situation: Been working on my job since 1999. Stable employment.
I am a good candidate for this loan because i don't live beyond my means.
Monthly net income: $4500
Monthly expenses: $
Housing: $900
Insurance: $200
Car expenses: $150
Utilities: $100
Phone, cable, internet: $100
Food, entertainment: $200
Clothing, household expenses: $100
Credit cards and other loans: $50
Other expenses: $
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
565936
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount:
| $2,000.00 |
Prosper Rating:
| HR |
Listing Duration:
| 14 days
|
Minimum Amount to Fund:
| $2,000 |
Estimated loss*:
| 16.50% | | |
Term:
| 36 months | | | | |
|
Lender yield:
| 30.77% |
Borrower rate/APR:
| 31.77% / 35.80% |
Monthly payment:
| $86.85 |
|
Lender servicing fee:
| 1.00% |
Effective Yield*:
| 28.96% | | |
| |
Estimated return*:
| 12.46% | | |
* 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-2000 |
Debt/Income ratio:
| 39% |
Credit score:
| 700-719 (Mar-2012) |
Inquiries last 6m:
| 1 | Employment status: | Employed |
Now delinquent:
| 1 |
Current / open credit lines:
| 18
/
12 | Length of status: | 10y 7m |
Amount delinquent:
| $3,534 |
Total credit lines:
| 50 |
Occupation: | Professional |
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $10,797 | Stated income: | $50,000-$74,999 |
Delinquencies in last 7y:
| 1 |
Bankcard utilization:
| 88% | | |
| |
Homeownership:
| Yes | | |
Screen name:
| neighborly-point361 |
Borrower's state:
| Maryland |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Description
Funds for Wedding
No description is available.
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
565938
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*:
| 3.30% | | |
Term:
| 36 months | | | | |
|
Lender yield:
| 8.99% |
Borrower rate/APR:
| 9.99% / 12.78% |
Monthly payment:
| $161.31 |
|
Lender servicing fee:
| 1.00% |
Effective Yield*:
| 8.97% | | |
| |
Estimated return*:
| 5.67% | | |
* 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):
| 8 |
First credit line:
| Jun-1998 |
Debt/Income ratio:
| 6% |
Credit score:
| 780-799 (Mar-2012) |
Inquiries last 6m:
| 4 | Employment status: | Employed |
Now delinquent:
| 0 |
Current / open credit lines:
| 5
/
5 | Length of status: | 6y 6m |
Amount delinquent:
| $0 |
Total credit lines:
| 23 |
Occupation: | Medical Technician |
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $1,522 | Stated income: | $100,000+ |
Delinquencies in last 7y:
| 1 |
Bankcard utilization:
| 13% | | |
| |
Homeownership:
| Yes | | |
Screen name:
| sincere-point287 |
Borrower's state:
| California |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Description
Home appliances
Purpose of loan:
This loan will be used to..purchase kitchen appliances.
My financial situation:
I am a good candidate for this loan because.I have good credit recently and am a mature older person that will pay it off and not miss any payments. My car is 1 month away from being payed off also. I own my own home.
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
566106
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount:
| $5,500.00 |
Prosper Rating:
| B |
Listing Duration:
| 14 days
|
Minimum Amount to Fund:
| $5,500 |
Estimated loss*:
| 5.65% | | |
Term:
| 36 months | | | | |
|
Lender yield:
| 13.49% |
Borrower rate/APR:
| 14.49% / 17.36% |
Monthly payment:
| $189.29 |
|
Lender servicing fee:
| 1.00% |
Effective Yield*:
| 13.26% | | |
| |
Estimated return*:
| 7.61% | | |
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10):
| 8 |
First credit line:
| Aug-2006 |
Debt/Income ratio:
| 24% |
Credit score:
| 740-759 (Mar-2012) |
Inquiries last 6m:
| 0 | Employment status: | Employed |
Now delinquent:
| 0 |
Current / open credit lines:
| 7
/
6 | Length of status: | 2y 1m |
Amount delinquent:
| $0 |
Total credit lines:
| 15 |
Occupation: | Clerical |
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $766 | Stated income: | $25,000-$49,999 |
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 27% | | |
| |
Homeownership:
| Yes | | |
Screen name:
| kind-thrifty-return |
Borrower's state:
| Minnesota |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Description
Mom's business
Purpose of loan:
This loan will be used to...help my parents get their business.
My financial situation:
I am a good candidate for this loan because...i make payments ontime and have a secure job
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
566202
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*:
| 5.65% | | |
Term:
| 60 months | | | | |
|
Lender yield:
| 17.45% |
Borrower rate/APR:
| 18.45% / 20.36% |
Monthly payment:
| $384.58 |
|
Lender servicing fee:
| 1.00% |
Effective Yield*:
| 17.15% | | |
| |
Estimated return*:
| 11.50% | | |
* 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:
| Aug-2000 |
Debt/Income ratio:
| 20% |
Credit score:
| 760-779 (Mar-2012) |
Inquiries last 6m:
| 0 | Employment status: | Employed |
Now delinquent:
| 0 |
Current / open credit lines:
| 10
/
10 | Length of status: | 6y 7m |
Amount delinquent:
| $0 |
Total credit lines:
| 35 |
Occupation: | Attorney |
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $5,637 | Stated income: | $100,000+ |
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 64% | | |
| |
Homeownership:
| Yes | | |
Screen name:
| radiant-coin6 |
Borrower's state:
| Minnesota |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Description
Debt Consolidation Loan
Purpose of loan:
This loan will be used to...
Pay off a different loan.
My financial situation: Good job.
I am a good candidate for this loan because...
I have steady employment as an attorney.
Monthly net income: $13000
Monthly expenses: $6500
Housing: $2100
Insurance: $
Car expenses: $250
Utilities: $
Phone, cable, internet: $
Food, entertainment: $
Clothing, household expenses: $
Credit cards and other loans: $1500
Other expenses: $
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
566214
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:
| 30.77% |
Borrower rate/APR:
| 31.77% / 35.80% |
Monthly payment:
| $173.71 |
|
Lender servicing fee:
| 1.00% |
Effective Yield*:
| 28.96% | | |
| |
Estimated return*:
| 12.46% | | |
* 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-1994 |
Debt/Income ratio:
| 45% |
Credit score:
| 700-719 (Mar-2012) |
Inquiries last 6m:
| 0 | Employment status: | Employed |
Now delinquent:
| 1 |
Current / open credit lines:
| 4
/
4 | Length of status: | 17y 6m |
Amount delinquent:
| $0 |
Total credit lines:
| 16 |
Occupation: | Nurse's Aide |
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $993 | Stated income: | $25,000-$49,999 |
Delinquencies in last 7y:
| 8 |
Bankcard utilization:
| 99% | | |
| |
Homeownership:
| Yes | | |
Screen name:
| triumphant-payout955 |
Borrower's state:
| NewHampshire |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Description
debt consolidation
No description is available.
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
566256
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*:
| 5.65% | | |
Term:
| 36 months | | | | |
|
Lender yield:
| 13.49% |
Borrower rate/APR:
| 14.49% / 17.36% |
Monthly payment:
| $516.24 |
|
Lender servicing fee:
| 1.00% |
Effective Yield*:
| 13.26% | | |
| |
Estimated return*:
| 7.61% | | |
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10):
| 8 |
First credit line:
| Aug-2006 |
Debt/Income ratio:
| 17% |
Credit score:
| 720-739 (Mar-2012) |
Inquiries last 6m:
| 2 | Employment status: | Employed |
Now delinquent:
| 0 |
Current / open credit lines:
| 7
/
7 | Length of status: | 7y 11m |
Amount delinquent:
| $0 |
Total credit lines:
| 7 |
Occupation: | Computer Programmer |
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $1,555 | Stated income: | $50,000-$74,999 |
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 28% | | |
| |
Homeownership:
| Yes | | |
Screen name:
| autonomous-economy9 |
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
Home Improvements Loan
No description is available.
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
557409
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:
| $12,500.00 |
Prosper Rating:
| C |
Listing Duration:
| 14 days
|
Minimum Amount to Fund:
| $8,750 |
Estimated loss*:
| 6.50% | | |
Term:
| 60 months | | | | |
|
Lender yield:
| 21.93% |
Borrower rate/APR:
| 22.93% / 25.45% |
Monthly payment:
| $351.88 |
|
Lender servicing fee:
| 1.00% |
Effective Yield*:
| 21.41% | | |
| |
Estimated return*:
| 14.91% | | |
* 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-1999 |
Debt/Income ratio:
| 54% |
Credit score:
| 660-679 (Feb-2012) |
Inquiries last 6m:
| 2 | Employment status: | Employed |
Now delinquent:
| 0 |
Current / open credit lines:
| 20
/
18 | Length of status: | 3y 11m |
Amount delinquent:
| $0 |
Total credit lines:
| 52 |
Occupation: | Clerical |
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $28,247 | Stated income: | $25,000-$49,999 |
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 78% | | |
| |
Homeownership:
| No | | |
Screen name:
| Semperslu |
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.
Prosper Activity
Loan history | Payment history | Credit score history |
Active / total loans:
| 0 / 1 |
On-time:
| 28 ( 100% )
| 660-679 (Latest)
|
Principal borrowed:
| $6,800.00 | < 31 days late:
| 0
( 0% )
| 700-719
(Jul-2008)
|
Principal balance:
| $0.00 |
31+ days late:
| 0
( 0% )
|
Total payments billed:
| 28 | | |
Description
Debt Consolidation, never late
Purpose of loan: This loan request is to consolidate and close several credit cards.
A good portion of this debt carried in my name is my mom?s debit, moving expenses, minor home improvement expenses to help her buy her first home. She is paying this back to me, but the income I used for this application is solely mine from my job. The rate of 22% on this loan is wincingly on the high side, but I'd rather deal with a budgeted payment than with ever changing min payments and chasing offers which. The high credit utilization is really lowering my score, and I know this will improve over time as the balances fall, but I'd rather pay a little more in interest now and have my credit scores go back up.
My financial situation:
I am a good candidate for this loan because I have a stable job, worked at the same bank for just under 4 years, have been promoted 3 times. Have never missed a payment on any loan or obligation, and paid my first prosper loan off early from work bonuses.
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
563101
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*:
| 5.65% | | |
Term:
| 36 months | | | | |
|
Lender yield:
| 13.49% |
Borrower rate/APR:
| 14.49% / 17.36% |
Monthly payment:
| $516.24 |
|
Lender servicing fee:
| 1.00% |
Effective Yield*:
| 13.26% | | |
| |
Estimated return*:
| 7.61% | | |
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10):
| 8 |
First credit line:
| May-2001 |
Debt/Income ratio:
| 9% |
Credit score:
| 640-659 (Feb-2012) |
Inquiries last 6m:
| 0 | Employment status: | Employed |
Now delinquent:
| 0 |
Current / open credit lines:
| 7
/
7 | Length of status: | 1y 11m |
Amount delinquent:
| $0 |
Total credit lines:
| 19 |
Occupation: | Computer Programmer |
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $5,322 | Stated income: | $100,000+ |
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 41% | | |
| |
Homeownership:
| No | | |
Screen name:
| thorough-loyalty894 |
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
Expand Existing Business.
Purpose of loan:
This loan will be used to expand inventory and do promotion for a business (clothing retail) that has been opened for 6 months. We are looking to secure money in preparation for launching a spring line. In the 6 months since we have been open we have generated over 500 Facebook fans, sponsored several events, been featured in a community blog with over 100,000 readers, and received a 4.5 star rating on Yelp.
My financial situation:
My career is in Software Engineering and my income comes from a large entertainment company, so it's stable work. I have kept my lifestyle within my means and I consistently pay my debts.
Monthly net income: $6740.32
Total Monthly expenses: $4000.00 - $5000.00
Housing: $1550.00
Insurance: $146.80
Car expenses: $100
Utilities: $100.00
Phone, cable, Internet: $203.00.
Food, entertainment: $500.00
Clothing, household expenses: $500.00
Credit cards and other loans: $470.00
Other expenses: $430.00 - $1430.00
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
564033
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount:
| $4,000.00 |
Prosper Rating:
| E |
Listing Duration:
| 14 days
|
Minimum Amount to Fund:
| $2,800 |
Estimated loss*:
| 14.70% | | |
Term:
| 36 months | | | | |
|
Lender yield:
| 28.58% |
Borrower rate/APR:
| 29.58% / 33.55% |
Monthly payment:
| $168.89 |
|
Lender servicing fee:
| 1.00% |
Effective Yield*:
| 27.27% | | |
| |
Estimated return*:
| 12.57% | | |
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10):
| 6 |
First credit line:
| Feb-2000 |
Debt/Income ratio:
| 12% |
Credit score:
| 660-679 (Feb-2012) |
Inquiries last 6m:
| 1 | Employment status: | Employed |
Now delinquent:
| 8 |
Current / open credit lines:
| 3
/
3 | Length of status: | 6y 7m |
Amount delinquent:
| $1,788 |
Total credit lines:
| 23 |
Occupation: | Other |
Public records last 12m / 10y:
| 0/ 1 |
Revolving credit balance:
| $3,183 | Stated income: | $50,000-$74,999 |
Delinquencies in last 7y:
| 5 |
Bankcard utilization:
| 83% | | |
| |
Homeownership:
| No | | |
Screen name:
| worth-concerto7 |
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
Motorcycle 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: $ 4500
Monthly expenses: $500
Housing: $1250
Insurance: $100
Car expenses: $400
Utilities: $200
Phone, cable, internet: $40
Food, entertainment: $100
Clothing, household expenses: $100
Credit cards and other loans: $100
Other expenses: $0
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
565409
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*:
| 5.65% | | |
Term:
| 60 months | | | | |
|
Lender yield:
| 17.45% |
Borrower rate/APR:
| 18.45% / 20.36% |
Monthly payment:
| $384.58 |
|
Lender servicing fee:
| 1.00% |
Effective Yield*:
| 17.15% | | |
| |
Estimated return*:
| 11.50% | | |
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10):
| 8 |
First credit line:
| Oct-1986 |
Debt/Income ratio:
| 11% |
Credit score:
| 740-759 (Mar-2012) |
Inquiries last 6m:
| 2 | Employment status: | Employed |
Now delinquent:
| 1 |
Current / open credit lines:
| 6
/
4 | Length of status: | 0y 3m |
Amount delinquent:
| $247 |
Total credit lines:
| 17 |
Occupation: | Other |
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $1,654 | Stated income: | $50,000-$74,999 |
Delinquencies in last 7y:
| 31 |
Bankcard utilization:
| 7% | | |
| |
Homeownership:
| Yes | | |
Screen name:
| friendly-capital565 |
Borrower's state:
| Mississippi |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Description
bill consolidation
Purpose of loan:
This loan will be used to...pay off a small loan and have a nest egg and get settled from a move.
My financial situation:
I am a good candidate for this loan because...I have a great job and make good salary and not much debt.
Monthly net income: $3200
Monthly expenses: $1400 includes rent
Housing: $800.00
Insurance: $
Car expenses: $50.00
Utilities: 60
Phone, cable, internet: $95
Food, entertainment: $100
Clothing, household expenses: $50
Credit cards and other loans: $50
Other expenses: $
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
565609
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount:
| $15,000.00 |
Prosper Rating:
| A |
Listing Duration:
| 14 days
|
Minimum Amount to Fund:
| $15,000 |
Estimated loss*:
| 3.30% | | |
Term:
| 60 months | | | | |
|
Lender yield:
| 12.96% |
Borrower rate/APR:
| 13.96% / 15.78% |
Monthly payment:
| $348.71 |
|
Lender servicing fee:
| 1.00% |
Effective Yield*:
| 12.91% | | |
| |
Estimated return*:
| 9.61% | | |
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10):
| 9 |
First credit line:
| May-2004 |
Debt/Income ratio:
| 18% |
Credit score:
| 760-779 (Mar-2012) |
Inquiries last 6m:
| 0 | Employment status: | Employed |
Now delinquent:
| 0 |
Current / open credit lines:
| 12
/
10 | Length of status: | 3y 7m |
Amount delinquent:
| $0 |
Total credit lines:
| 22 |
Occupation: | Architect |
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $6,435 | Stated income: | $75,000-$99,999 |
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 28% | | |
| |
Homeownership:
| Yes | | |
Screen name:
| openness-maverick5 |
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-Home improvement
Purpose of loan:
This loan will be used to pay off credit cards and invest a minor amount in my home
My financial situation:
I am a good candidate for this loan because I am employed in a large corporation. I have a stable job with excellent opportunities for growth. I have also paid regularly all my credit cards and have additional income besides my monthly salary.
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
565667
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount:
| $13,000.00 |
Prosper Rating:
| C |
Listing Duration:
| 14 days
|
Minimum Amount to Fund:
| $9,100 |
Estimated loss*:
| 6.50% | | |
Term:
| 60 months | | | | |
|
Lender yield:
| 21.93% |
Borrower rate/APR:
| 22.93% / 25.45% |
Monthly payment:
| $365.95 |
|
Lender servicing fee:
| 1.00% |
Effective Yield*:
| 21.41% | | |
| |
Estimated return*:
| 14.91% | | |
* 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-2000 |
Debt/Income ratio:
| 50% |
Credit score:
| 680-699 (Mar-2012) |
Inquiries last 6m:
| 3 | Employment status: | Employed |
Now delinquent:
| 0 |
Current / open credit lines:
| 10
/
9 | Length of status: | 19y 11m |
Amount delinquent:
| $0 |
Total credit lines:
| 33 |
Occupation: | Teacher |
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $1,570 | Stated income: | $50,000-$74,999 |
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 25% | | |
| |
Homeownership:
| No | | |
Screen name:
| Vanetta2004 |
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.
Prosper Activity
Loan history | Payment history | Credit score history |
Active / total loans:
| 1 / 3 |
On-time:
| 20 ( 100% )
| 680-699 (Latest)
|
Principal borrowed:
| $21,500.00 | < 31 days late:
| 0
( 0% )
| 660-679
(Apr-2011)
560-579
(Dec-2007)
540-559
(May-2007)
580-599
(Apr-2007)
|
Principal balance:
| $11,786.46 |
31+ days late:
| 0
( 0% )
|
Total payments billed:
| 20 | | |
Description
From Educator to Business Owner
Hello Proper Family!
Thanks to each of you for taking the time to consider and support my loan needs!
I am a great candidate for this loan! Not only do I have an excellent record within the Prosper family but I have been an Educator for 18 years not only seeking to consolidate a few of my debts as I advance my career to an Administrator but also recently started my own Virtual Staffing Agency. I am also considering going back to school to obtain my PHD. I have continued to increase my credit rating as I respect the importance of on time payments to my creditors.
My monthly expense breakdown as follows:
-Car note $540 a month.
-Personal Loan $160.00 a month.
-Credit card $70 a month.
-Student Loan $180 a month.
-Rent $595 a month
-Car insurance $83
-Utilities: $250
-Food, entertainment: $200
-Clothing, household expenses: $70
Thanks again for your time!
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
565705
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:
| $2,200.00 |
Prosper Rating:
| C |
Listing Duration:
| 14 days
|
Minimum Amount to Fund:
| $2,200 |
Estimated loss*:
| 8.90% | | |
Term:
| 36 months | | | | |
|
Lender yield:
| 19.49% |
Borrower rate/APR:
| 20.49% / 24.25% |
Monthly payment:
| $82.31 |
|
Lender servicing fee:
| 1.00% |
Effective Yield*:
| 19.04% | | |
| |
Estimated return*:
| 10.14% | | |
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10):
| 7 |
First credit line:
| Jan-1996 |
Debt/Income ratio:
| 6% |
Credit score:
| 740-759 (Mar-2012) |
Inquiries last 6m:
| 10 | Employment status: | Employed |
Now delinquent:
| 0 |
Current / open credit lines:
| 6
/
6 | Length of status: | 11y 5m |
Amount delinquent:
| $0 |
Total credit lines:
| 12 |
Occupation: | Analyst |
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $8,445 | Stated income: | $75,000-$99,999 |
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 28% | | |
| |
Homeownership:
| No | | |
Screen name:
| inventive-integrity7 |
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
engagement
No description is available.
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
565733
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount:
| $3,000.00 |
Prosper Rating:
| C |
Listing Duration:
| 14 days
|
Minimum Amount to Fund:
| $2,100 |
Estimated loss*:
| 8.90% | | |
Term:
| 36 months | | | | |
|
Lender yield:
| 19.49% |
Borrower rate/APR:
| 20.49% / 24.25% |
Monthly payment:
| $112.24 |
|
Lender servicing fee:
| 1.00% |
Effective Yield*:
| 19.04% | | |
| |
Estimated return*:
| 10.14% | | |
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10):
| 7 |
First credit line:
| Sep-2002 |
Debt/Income ratio:
| 16% |
Credit score:
| 660-679 (Mar-2012) |
Inquiries last 6m:
| 1 | Employment status: | Employed |
Now delinquent:
| 2 |
Current / open credit lines:
| 5
/
3 | Length of status: | 1y 7m |
Amount delinquent:
| $120 |
Total credit lines:
| 11 |
Occupation: | Sales - Retail |
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $3,017 | Stated income: | $1-$24,999 |
Delinquencies in last 7y:
| 4 |
Bankcard utilization:
| 16% | | |
| |
Homeownership:
| No | | |
Screen name:
| refined-credit9 |
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.
Description
debt
Purpose of loan: personal
This loan will be used to...pay off debt
My financial situation:
I am a good candidate for this loan because... I will be able to make one payment a month.
Monthly net income: $1200.00
Monthly expenses: $
Housing: $400.00
Insurance: $100.00 a month
Car expenses: $80.00 wk
Utilities: $75.00
Phone, cable, internet: $
Food, entertainment: $
Clothing, household expenses: $
Credit cards and other loans: $100.00
Other expenses: $50.00
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
565787
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount:
| $5,000.00 |
Prosper Rating:
| B |
Listing Duration:
| 14 days
|
Minimum Amount to Fund:
| $5,000 |
Estimated loss*:
| 4.20% | | |
Term:
| 60 months | | | | |
|
Lender yield:
| 17.45% |
Borrower rate/APR:
| 18.45% / 20.36% |
Monthly payment:
| $128.19 |
|
Lender servicing fee:
| 1.00% |
Effective Yield*:
| 17.15% | | |
| |
Estimated return*:
| 12.95% | | |
* 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-1999 |
Debt/Income ratio:
| 39% |
Credit score:
| 660-679 (Mar-2012) |
Inquiries last 6m:
| 0 | Employment status: | Employed |
Now delinquent:
| 0 |
Current / open credit lines:
| 14
/
14 | Length of status: | 0y 9m |
Amount delinquent:
| $0 |
Total credit lines:
| 43 |
Occupation: | Retail Management |
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $29,980 | Stated income: | $50,000-$74,999 |
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 68% | | |
| |
Homeownership:
| No | | |
Screen name:
| samurai583 |
Borrower's state:
| Washington |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan history | Payment history | Credit score history |
Active / total loans:
| 1 / 1 |
On-time:
| 17 ( 100% )
| 660-679 (Latest)
|
Principal borrowed:
| $10,000.00 | < 31 days late:
| 0
( 0% )
| 720-739
(Sep-2010)
|
Principal balance:
| $6,335.25 |
31+ days late:
| 0
( 0% )
|
Total payments billed:
| 17 | | |
Description
Tax Payment and Moving Expenses
Purpose of loan:
This loan will be used to pay off my 2011 taxes. I was unemployed for a 6 month time period and I owe for unemployment taxes as well as early withdrawal on retirement plans. I am also planning a move in the near future and would like some extra money in my pocket
My financial situation: Good..
I am a good candidate for this loan because I have never, ever missed any payment on my credit cards, loans, car payment, car insurance etc. I also have another prosper loan which I pay every month on time and in full.
Monthly net income: $2800
Monthly expenses: $2000
Housing: $470
Insurance: $110
Car expenses: $285
Utilities: $70
Phone, cable, internet: $60
Food, entertainment: $200
Clothing, household expenses: $
Credit cards and other loans: $700
Other expenses: $100
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
565793
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*:
| 4.20% | | |
Term:
| 36 months | | | | |
|
Lender yield:
| 13.49% |
Borrower rate/APR:
| 14.49% / 17.36% |
Monthly payment:
| $137.66 |
|
Lender servicing fee:
| 1.00% |
Effective Yield*:
| 13.26% | | |
| |
Estimated return*:
| 9.06% | | |
* 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):
| 6 |
First credit line:
| Nov-2007 |
Debt/Income ratio:
| 33% |
Credit score:
| 680-699 (Mar-2012) |
Inquiries last 6m:
| 4 | Employment status: | Employed |
Now delinquent:
| 0 |
Current / open credit lines:
| 11
/
9 | Length of status: | 4y 5m |
Amount delinquent:
| $0 |
Total credit lines:
| 13 |
Occupation: | Other |
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $3,456 | Stated income: | $1-$24,999 |
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 19% | | |
| |
Homeownership:
| Yes | | |
Screen name:
| skillful-interest2 |
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:
| 6 ( 100% )
| 680-699 (Latest)
|
Principal borrowed:
| $2,000.00 | < 31 days late:
| 0
( 0% )
| 760-779
(Aug-2011)
|
Principal balance:
| $1,736.04 |
31+ days late:
| 0
( 0% )
|
Total payments billed:
| 6 | | |
Description
medical expenses of my father
Purpose of loan:
This loan will be used to...medical expense
My financial situation:
I am a good candidate for this loan because...
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
565801
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount:
| $8,000.00 |
Prosper Rating:
| A |
Listing Duration:
| 14 days
|
Minimum Amount to Fund:
| $5,600 |
Estimated loss*:
| 3.30% | | |
Term:
| 36 months | | | | |
|
Lender yield:
| 8.99% |
Borrower rate/APR:
| 9.99% / 12.78% |
Monthly payment:
| $258.10 |
|
Lender servicing fee:
| 1.00% |
Effective Yield*:
| 8.97% | | |
| |
Estimated return*:
| 5.67% | | |
* 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):
| 8 |
First credit line:
| Aug-1997 |
Debt/Income ratio:
| 46% |
Credit score:
| 800-819 (Mar-2012) |
Inquiries last 6m:
| 0 | Employment status: | Employed |
Now delinquent:
| 0 |
Current / open credit lines:
| 11
/
11 | Length of status: | 2y 2m |
Amount delinquent:
| $0 |
Total credit lines:
| 31 |
Occupation: | Other |
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $6,868 | Stated income: | $25,000-$49,999 |
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 8% | | |
| |
Homeownership:
| No | | |
Screen name:
| justice-zebra1 |
Borrower's state:
| NewJersey |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Description
home improvement
Purpose of loan:
This loan will be used to...
build a garage
My financial situation:
I am a good candidate for this loan because...
I have excellent credit and always pay on time.
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
565847
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount:
| $2,000.00 |
Prosper Rating:
| HR |
Listing Duration:
| 14 days
|
Minimum Amount to Fund:
| $2,000 |
Estimated loss*:
| 16.50% | | |
Term:
| 36 months | | | | |
|
Lender yield:
| 30.77% |
Borrower rate/APR:
| 31.77% / 35.80% |
Monthly payment:
| $86.85 |
|
Lender servicing fee:
| 1.00% |
Effective Yield*:
| 28.96% | | |
| |
Estimated return*:
| 12.46% | | |
* 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-2007 |
Debt/Income ratio:
| 27% |
Credit score:
| 700-719 (Mar-2012) |
Inquiries last 6m:
| 0 | Employment status: | Employed |
Now delinquent:
| 0 |
Current / open credit lines:
| 5
/
4 | Length of status: | 4y 5m |
Amount delinquent:
| $0 |
Total credit lines:
| 11 |
Occupation: | Sales - Retail |
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $3,917 | Stated income: | $1-$24,999 |
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 84% | | |
| |
Homeownership:
| No | | |
Screen name:
| indomitable-community8 |
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
Auto repair
No description is available.
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
565865
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*:
| 5.65% | | |
Term:
| 36 months | | | | |
|
Lender yield:
| 13.49% |
Borrower rate/APR:
| 14.49% / 17.36% |
Monthly payment:
| $516.24 |
|
Lender servicing fee:
| 1.00% |
Effective Yield*:
| 13.26% | | |
| |
Estimated return*:
| 7.61% | | |
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10):
| 8 |
First credit line:
| Aug-2001 |
Debt/Income ratio:
| 11% |
Credit score:
| 700-719 (Mar-2012) |
Inquiries last 6m:
| 2 | Employment status: | Employed |
Now delinquent:
| 0 |
Current / open credit lines:
| 8
/
7 | Length of status: | 2y 3m |
Amount delinquent:
| $0 |
Total credit lines:
| 13 |
Occupation: | Computer Programmer |
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $5,176 | Stated income: | $100,000+ |
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 69% | | |
| |
Homeownership:
| No | | |
Screen name:
| delectable-camaraderi1 |
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
Personal Loan
Purpose of loan:
Buy a property
My financial situation:
Is very good.
Monthly net income: $9000
Monthly expenses: $2500
Housing: $1275
Insurance: $100
Car expenses: $286
Utilities: $150
Phone, cable, internet: $200
Food, entertainment: $
Clothing, household expenses: $
Credit cards and other loans: $500
Other expenses: $
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
565867
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount:
| $4,000.00 |
Prosper Rating:
| A |
Listing Duration:
| 14 days
|
Minimum Amount to Fund:
| $2,800 |
Estimated loss*:
| 2.00% | | |
Term:
| 36 months | | | | |
|
Lender yield:
| 7.99% |
Borrower rate/APR:
| 8.99% / 11.77% |
Monthly payment:
| $127.18 |
|
Lender servicing fee:
| 1.00% |
Effective Yield*:
| 7.97% | | |
| |
Estimated return*:
| 5.97% | | |
* 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:
| Aug-1999 |
Debt/Income ratio:
| 33% |
Credit score:
| 720-739 (Mar-2012) |
Inquiries last 6m:
| 0 | Employment status: | Employed |
Now delinquent:
| 0 |
Current / open credit lines:
| 6
/
5 | Length of status: | 3y 7m |
Amount delinquent:
| $0 |
Total credit lines:
| 26 |
Occupation: | Professor |
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $6,444 | Stated income: | $25,000-$49,999 |
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 25% | | |
| |
Homeownership:
| No | | |
Screen name:
| community-jamboree |
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:
| 8 ( 100% )
| 720-739 (Latest)
|
Principal borrowed:
| $5,000.00 | < 31 days late:
| 0
( 0% )
| 740-759
(May-2011)
|
Principal balance:
| $4,038.65 |
31+ days late:
| 0
( 0% )
|
Total payments billed:
| 8 | | |
Description
Household Repair Fund
Purpose of loan:
This loan will be used to... Repair many minor (but a little expensive) issues in our home.
My financial situation:
I am a good candidate for this loan because... I have a steady, stable salaried position in a state institution.
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
566049
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount:
| $15,000.00 |
Prosper Rating:
| D |
Listing Duration:
| 14 days
|
Minimum Amount to Fund:
| $10,500 |
Estimated loss*:
| 11.90% | | |
Term:
| 60 months | | | | |
|
Lender yield:
| 27.70% |
Borrower rate/APR:
| 28.70% / 31.38% |
Monthly payment:
| $473.39 |
|
Lender servicing fee:
| 1.00% |
Effective Yield*:
| 27.01% | | |
| |
Estimated return*:
| 15.11% | | |
* 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-2004 |
Debt/Income ratio:
| 27% |
Credit score:
| 700-719 (Mar-2012) |
Inquiries last 6m:
| 4 | Employment status: | Employed |
Now delinquent:
| 0 |
Current / open credit lines:
| 7
/
6 | Length of status: | 10y 2m |
Amount delinquent:
| $0 |
Total credit lines:
| 19 |
Occupation: | Other |
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $493 | Stated income: | $75,000-$99,999 |
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 6% | | |
| |
Homeownership:
| No | | |
Screen name:
| valiant-liberty8 |
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
Funds for Wedding
No description is available.
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
566097
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*:
| 5.65% | | |
Term:
| 60 months | | | | |
|
Lender yield:
| 17.45% |
Borrower rate/APR:
| 18.45% / 20.36% |
Monthly payment:
| $384.58 |
|
Lender servicing fee:
| 1.00% |
Effective Yield*:
| 17.15% | | |
| |
Estimated return*:
| 11.50% | | |
* 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-1989 |
Debt/Income ratio:
| 69% |
Credit score:
| 680-699 (Mar-2012) |
Inquiries last 6m:
| 0 | Employment status: | Employed |
Now delinquent:
| 0 |
Current / open credit lines:
| 13
/
10 | Length of status: | 18y 8m |
Amount delinquent:
| $0 |
Total credit lines:
| 17 |
Occupation: | Medical Technician |
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $35,602 | Stated income: | $25,000-$49,999 |
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 59% | | |
| |
Homeownership:
| No | | |
Screen name:
| bid-titan0 |
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
pay off bills
Purpose of loan:
This loan will be used to...
My financial situation:
I am a good candidate for this loan because...
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
566181
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount:
| $15,000.00 |
Prosper Rating:
| A |
Listing Duration:
| 14 days
|
Minimum Amount to Fund:
| $10,500 |
Estimated loss*:
| 3.30% | | |
Term:
| 60 months | | | | |
|
Lender yield:
| 12.96% |
Borrower rate/APR:
| 13.96% / 15.78% |
Monthly payment:
| $348.71 |
|
Lender servicing fee:
| 1.00% |
Effective Yield*:
| 12.91% | | |
| |
Estimated return*:
| 9.61% | | |
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10):
| 8 |
First credit line:
| Sep-1998 |
Debt/Income ratio:
| 14% |
Credit score:
| 820-839 (Mar-2012) |
Inquiries last 6m:
| 2 | Employment status: | Employed |
Now delinquent:
| 0 |
Current / open credit lines:
| 8
/
8 | Length of status: | 0y 3m |
Amount delinquent:
| $0 |
Total credit lines:
| 26 |
Occupation: | Other |
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $5 | Stated income: | $50,000-$74,999 |
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 0% | | |
| |
Homeownership:
| Yes | | |
Screen name:
| unafraid-income9 |
Borrower's state:
| Montana |
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 for Wedding
Purpose of loan:
This loan will be used to...
My financial situation:
I am a good candidate for this loan because...
I make a good income and my monthly expenses are approximately $1550.00
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
566241
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount:
| $5,500.00 |
Prosper Rating:
| C |
Listing Duration:
| 14 days
|
Minimum Amount to Fund:
| $3,850 |
Estimated loss*:
| 8.90% | | |
Term:
| 36 months | | | | |
|
Lender yield:
| 19.49% |
Borrower rate/APR:
| 20.49% / 24.25% |
Monthly payment:
| $205.78 |
|
Lender servicing fee:
| 1.00% |
Effective Yield*:
| 19.04% | | |
| |
Estimated return*:
| 10.14% | | |
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10):
| 7 |
First credit line:
| Aug-1997 |
Debt/Income ratio:
| 19% |
Credit score:
| 660-679 (Mar-2012) |
Inquiries last 6m:
| 2 | Employment status: | Employed |
Now delinquent:
| 0 |
Current / open credit lines:
| 8
/
6 | Length of status: | 3y 10m |
Amount delinquent:
| $0 |
Total credit lines:
| 65 |
Occupation: | Food Service Manage... |
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $1,244 | Stated income: | $50,000-$74,999 |
Delinquencies in last 7y:
| 3 |
Bankcard utilization:
| 39% | | |
| |
Homeownership:
| No | | |
Screen name:
| worlds-best-felicity299 |
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
Medical payoff - Debt Consolidation
Purpose of loan:
This loan will be used to... I was offer a half price pay off on some medical bills that would help me save hundreds of dollars. Also freeing up over $300 of monthly payments
My financial situation:
I am a good candidate for this loan because...I have had a lot of loans in the past and all have been paid in full. NO bankruptcy- repo or foreclosures
Direct deposit from employer and would set up loan as auto draft
Monthly net income: $4041
Monthly expenses: $
Housing: $1000
Insurance: $116
Car expenses: $300
Utilities: $250
Phone, cable, internet: $140
Food, entertainment: $500
Clothing, household expenses: $50
Credit cards and other loans: $250
Other expenses: $
Information in the Description is not verified.