Listing Report:Supplement No. 25 dated May 22, 2012 to Prospectus dated Apr 30, 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 Apr 30, 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 Apr 30, 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
573558
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:
| $23,000.00 |
Prosper Rating:
| A |
Listing Duration:
| 14 days
|
Minimum Amount to Fund:
| $23,000 |
Estimated loss*:
| 2.00% | | |
Term:
| 36 months | | | | |
|
Lender yield:
| 8.64% |
Borrower rate/APR:
| 9.64% / 12.43% |
Monthly payment:
| $738.26 |
|
Lender servicing fee:
| 1.00% |
Effective Yield*:
| 8.62% | | |
| |
Estimated return*:
| 6.62% | | |
* 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:
| Dec-1994 |
Debt/Income ratio:
| 30% |
Credit score:
| 800-819 (May-2012) |
Inquiries last 6m:
| 0 | Employment status: | Employed |
Now delinquent:
| 0 |
Current / open credit lines:
| 13
/
11 | Length of status: | 5y 0m |
Amount delinquent:
| $0 |
Total credit lines:
| 35 |
Occupation: | Computer Programmer |
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $12,053 | Stated income: | $75,000-$99,999 |
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 21% | | |
| |
Homeownership:
| Yes | | |
Screen name:
| JKPMCo |
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:
| 1 / 2 |
On-time:
| 60 ( 100% )
| 800-819 (Latest)
|
Principal borrowed:
| $7,630.00 | < 31 days late:
| 0
( 0% )
| 740-759
(Mar-2010)
740-759
(Feb-2010)
760-779
(Apr-2008)
|
Principal balance:
| $1,701.26 |
31+ days late:
| 0
( 0% )
|
Total payments billed:
| 60 | | |
Description
Payoff credit cards
Purpose of loan:
This loan will be used to pay off all my credit cards so I can go to cash only and have an easy single payment.
My financial situation:
I am an excellent candidate for this loan because I'm very a stable individual. I have a couple previous loans with Prosper and am also a lender. I've never paid late on a loan and was 30 days late once in 12/2009 on a credit card. I have been a homeowner for the last 18 years.
I have my MBA and have worked in the technology field for over 15 years, currently employed as an Application Design Manager at a major university.
I'm also a full time single father of a 16 year old daughter so I'm basically required to live an extremely stable and dependable lifestyle. There are no recent lifestyle or income changes and I have considerable retirement savings to cushion for hard times if necessary. I'm unable to do a home equity loan due to market conditions in my neighborhood.
Thank you
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
582932
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount:
| $12,000.00 |
Prosper Rating:
| A |
Listing Duration:
| 14 days
|
Minimum Amount to Fund:
| $8,400 |
Estimated loss*:
| 3.30% | | |
Term:
| 60 months | | | | |
|
Lender yield:
| 14.51% |
Borrower rate/APR:
| 15.51% / 17.85% |
Monthly payment:
| $288.70 |
|
Lender servicing fee:
| 1.00% |
Effective Yield*:
| 14.45% | | |
| |
Estimated return*:
| 11.15% | | |
* 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-1998 |
Debt/Income ratio:
| 19% |
Credit score:
| 720-739 (Apr-2012) |
Inquiries last 6m:
| 0 | Employment status: | Employed |
Now delinquent:
| 2 |
Current / open credit lines:
| 11
/
8 | Length of status: | 20y 5m |
Amount delinquent:
| $49 |
Total credit lines:
| 26 |
Occupation: | Civil Service |
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $9,600 | Stated income: | $75,000-$99,999 |
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 32% | | |
| |
Homeownership:
| Yes | | |
Screen name:
| kind-dedication-forte |
Borrower's state:
| Wisconsin |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Description
Vehicle
Purpose of loan: Car/Trailer
This loan will be used to... Moving my adults kids out of the house
My financial situation:
I am a good candidate for this loan because... My bills are paid in a timely manner.
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
583938
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:
| Oct-1990 |
Debt/Income ratio:
| 19% |
Credit score:
| 800-819 (Apr-2012) |
Inquiries last 6m:
| 2 | Employment status: | Employed |
Now delinquent:
| 0 |
Current / open credit lines:
| 6
/
5 | Length of status: | 0y 6m |
Amount delinquent:
| $0 |
Total credit lines:
| 45 |
Occupation: | Construction |
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $4,688 | Stated income: | $75,000-$99,999 |
Delinquencies in last 7y:
| 2 |
Bankcard utilization:
| 102% | | |
| |
Homeownership:
| Yes | | |
Screen name:
| credit-elixir3 |
Borrower's state:
| Ohio |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Description
Home Improvement Loan
Purpose of loan:
This loan will be used to pay for rehab work on rental property
My financial situation:
I am a good candidate for this loan because I have a full time job making a very good salary and alsways pay my bills on time.
Monthly net income: $5,800
Monthly expenses:
Housing: $2,500
Insurance: $80
Car expenses: $400
Utilities: $200
Phone, cable, internet: $100
Food, entertainment: $400
Clothing, household expenses: $
Credit cards and other loans: $80
Other expenses: $
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
587304
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount:
| $5,000.00 |
Prosper Rating:
| A |
Listing Duration:
| 14 days
|
Minimum Amount to Fund:
| $3,500 |
Estimated loss*:
| 2.00% | | |
Term:
| 12 months | | | | |
|
Lender yield:
| 5.28% |
Borrower rate/APR:
| 6.28% / 9.99% |
Monthly payment:
| $430.98 |
|
Lender servicing fee:
| 1.00% |
Effective Yield*:
| 5.28% | | |
| |
Estimated return*:
| 3.28% | | |
* 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:
| Sep-2003 |
Debt/Income ratio:
| 24% |
Credit score:
| 720-739 (May-2012) |
Inquiries last 6m:
| 0 | Employment status: | Employed |
Now delinquent:
| 0 |
Current / open credit lines:
| 13
/
12 | Length of status: | 1y 10m |
Amount delinquent:
| $0 |
Total credit lines:
| 19 |
Occupation: | Sales - Retail |
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $7,808 | Stated income: | $25,000-$49,999 |
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 18% | | |
| |
Homeownership:
| No | | |
Screen name:
| Integrity84 |
Borrower's state:
| California |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan history | Payment history | Credit score history |
Active / total loans:
| 0 / 1 |
On-time:
| 8 ( 100% )
| 720-739 (Latest)
|
Principal borrowed:
| $7,000.00 | < 31 days late:
| 0
( 0% )
| 700-719
(May-2011)
|
Principal balance:
| $0.00 |
31+ days late:
| 0
( 0% )
|
Total payments billed:
| 8 | | |
Description
Pay Off Wedding Debt
Purpose of loan: Consolidate debt
I have used Prosper before to consolidate my debt. I paid off the loan 4 months before the final payment was to be made. I have recently helped pay for my sister's and now brother-in-law's wedding that cost more than they expected. I am looking to pay this off within a year again but with a lower interest rate than my bank offers.
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
591122
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount:
| $3,000.00 |
Prosper Rating:
| HR |
Listing Duration:
| 14 days
|
Minimum Amount to Fund:
| $2,100 |
Estimated loss*:
| 16.50% | | |
Term:
| 36 months | | | | |
|
Lender yield:
| 30.77% |
Borrower rate/APR:
| 31.77% / 35.80% |
Monthly payment:
| $130.28 |
|
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):
| 4 |
First credit line:
| Oct-1994 |
Debt/Income ratio:
| Not calculated |
Credit score:
| 720-739 (May-2012) |
Inquiries last 6m:
| 0 | Employment status: | Employed |
Now delinquent:
| 0 |
Current / open credit lines:
| 11
/
11 | Length of status: | 4y 3m |
Amount delinquent:
| $0 |
Total credit lines:
| 37 |
Occupation: | Other |
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $10,332 | Stated income: | $0 |
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 73% | | |
| |
Homeownership:
| Yes | | |
Screen name:
| twestmore |
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
Personal Loan
No description is available.
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
591126
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:
| 14.51% |
Borrower rate/APR:
| 15.51% / 17.85% |
Monthly payment:
| $360.88 |
|
Lender servicing fee:
| 1.00% |
Effective Yield*:
| 14.45% | | |
| |
Estimated return*:
| 11.15% | | |
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10):
| 8 |
First credit line:
| Nov-1999 |
Debt/Income ratio:
| 39% |
Credit score:
| 820-839 (May-2012) |
Inquiries last 6m:
| 0 | Employment status: | Employed |
Now delinquent:
| 0 |
Current / open credit lines:
| 8
/
8 | Length of status: | 12y 9m |
Amount delinquent:
| $0 |
Total credit lines:
| 21 |
Occupation: | Teacher |
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $14,530 | Stated income: | $25,000-$49,999 |
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 22% | | |
| |
Homeownership:
| Yes | | |
Screen name:
| enthusiastic-transaction956 |
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
Medical
No description is available.
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
591428
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount:
| $15,000.00 |
Prosper Rating:
| C |
Listing Duration:
| 14 days
|
Minimum Amount to Fund:
| $10,500 |
Estimated loss*:
| 8.90% | | |
Term:
| 36 months | | | | |
|
Lender yield:
| 20.48% |
Borrower rate/APR:
| 21.48% / 25.26% |
Monthly payment:
| $568.83 |
|
Lender servicing fee:
| 1.00% |
Effective Yield*:
| 20.00% | | |
| |
Estimated return*:
| 11.10% | | |
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10):
| 7 |
First credit line:
| Jul-1976 |
Debt/Income ratio:
| 22% |
Credit score:
| 700-719 (May-2012) |
Inquiries last 6m:
| 1 | Employment status: | Employed |
Now delinquent:
| 0 |
Current / open credit lines:
| 10
/
10 | Length of status: | 7y 6m |
Amount delinquent:
| $0 |
Total credit lines:
| 24 |
Occupation: | Professional |
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $72,697 | Stated income: | $100,000+ |
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 87% | | |
| |
Homeownership:
| Yes | | |
Screen name:
| progressive-auction541 |
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
Home Improvement Ahead of Sale
Purpose of loan:
This loan will be used to fix up a few things around our house before we list it.
My financial situation:
I am a good candidate for this loan because I'm in good financial condition and am current on all payments.
Monthly net income: $11000
Monthly expenses: $6500
Housing: $3000
Insurance: $500
Car expenses: $500
Utilities: $300
Phone, cable, internet: $200
Food, entertainment: $800
Clothing, household expenses: $300
Credit cards and other loans: $700
Other expenses: $200
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
591450
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount:
| $15,000.00 |
Prosper Rating:
| C |
Listing Duration:
| 14 days
|
Minimum Amount to Fund:
| $10,500 |
Estimated loss*:
| 8.90% | | |
Term:
| 36 months | | | | |
|
Lender yield:
| 20.48% |
Borrower rate/APR:
| 21.48% / 25.26% |
Monthly payment:
| $568.83 |
|
Lender servicing fee:
| 1.00% |
Effective Yield*:
| 20.00% | | |
| |
Estimated return*:
| 11.10% | | |
* 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-2005 |
Debt/Income ratio:
| 12% |
Credit score:
| 660-679 (May-2012) |
Inquiries last 6m:
| 5 | Employment status: | Other |
Now delinquent:
| 0 |
Current / open credit lines:
| 11
/
10 | Length of status: | 13y 7m |
Amount delinquent:
| $0 |
Total credit lines:
| 13 |
Occupation: | Other |
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $9,189 | Stated income: | $75,000-$99,999 |
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 16% | | |
| |
Homeownership:
| No | | |
Screen name:
| rate-wingding2 |
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
home
No description is available.
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
591458
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:
| Nov-1990 |
Debt/Income ratio:
| 15% |
Credit score:
| 660-679 (May-2012) |
Inquiries last 6m:
| 1 | Employment status: | Employed |
Now delinquent:
| 3 |
Current / open credit lines:
| 7
/
8 | Length of status: | 1y 8m |
Amount delinquent:
| $1,680 |
Total credit lines:
| 23 |
Occupation: | Sales - Commission |
Public records last 12m / 10y:
| 0/ 1 |
Revolving credit balance:
| $11,962 | Stated income: | $25,000-$49,999 |
Delinquencies in last 7y:
| 10 |
Bankcard utilization:
| 90% | | |
| |
Homeownership:
| Yes | | |
Screen name:
| heroic-bonus0 |
Borrower's state:
| Nevada |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Description
Loan
Purpose of loan:
This loan will be used to...attend a training seminar and consolodate some small bills
My financial situation:
I am a good candidate for this loan because...We work hard (both employeed) and pay our bills, if sometimes a bit late lately, due to reduced income
Monthly net income: $3600
Monthly expenses: $
Housing: $1200
Insurance: $125
Car expenses: $no payments
Utilities: $175
Phone, cable, internet: 200
Food, entertainment: $500
Clothing, household expenses: $100
Credit cards and other loans: $300
Other expenses: $300
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
591460
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:
| 20.48% |
Borrower rate/APR:
| 21.48% / 25.26% |
Monthly payment:
| $113.77 |
|
Lender servicing fee:
| 1.00% |
Effective Yield*:
| 20.00% | | |
| |
Estimated return*:
| 11.10% | | |
* 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-1989 |
Debt/Income ratio:
| 12% |
Credit score:
| 640-659 (May-2012) |
Inquiries last 6m:
| 0 | Employment status: | Employed |
Now delinquent:
| 3 |
Current / open credit lines:
| 4
/
4 | Length of status: | 16y 11m |
Amount delinquent:
| $6,875 |
Total credit lines:
| 18 |
Occupation: | Retail Management |
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $762 | Stated income: | $50,000-$74,999 |
Delinquencies in last 7y:
| 4 |
Bankcard utilization:
| 63% | | |
| |
Homeownership:
| No | | |
Screen name:
| a-hope-vista |
Borrower's state:
| Hawaii |
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
Purpose of loan: auto repair
This loan will be used to...repair auto
My financial situation:
I am a good candidate for this loan because...i pay my bills on time.Over the past few years ive improved my credit tremendously.Im also 80 percent disabled veteran which is added income every month.
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
591470
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount:
| $10,000.00 |
Prosper Rating:
| D |
Listing Duration:
| 14 days
|
Minimum Amount to Fund:
| $7,000 |
Estimated loss*:
| 9.90% | | |
Term:
| 60 months | | | | |
|
Lender yield:
| 25.10% |
Borrower rate/APR:
| 26.10% / 28.70% |
Monthly payment:
| $300.00 |
|
Lender servicing fee:
| 1.00% |
Effective Yield*:
| 24.48% | | |
| |
Estimated return*:
| 14.58% | | |
* 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-2005 |
Debt/Income ratio:
| 24% |
Credit score:
| 620-639 (May-2012) |
Inquiries last 6m:
| 0 | Employment status: | Employed |
Now delinquent:
| 2 |
Current / open credit lines:
| 9
/
11 | Length of status: | 0y 1m |
Amount delinquent:
| $434 |
Total credit lines:
| 20 |
Occupation: | Professional |
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $10,830 | Stated income: | $75,000-$99,999 |
Delinquencies in last 7y:
| 2 |
Bankcard utilization:
| 86% | | |
| |
Homeownership:
| No | | |
Screen name:
| sscrams |
Borrower's state:
| Illinois |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan history | Payment history | Credit score history |
Active / total loans:
| 0 / 1 |
On-time:
| 23 ( 66% )
| 620-639 (Latest)
|
Principal borrowed:
| $5,000.00 | < 31 days late:
| 11
( 31% )
| 580-599
(Dec-2007)
|
Principal balance:
| $0.00 |
31+ days late:
| 1
( 3% )
|
Total payments billed:
| 35 | | |
Description
Debt and Loan Consolidation
No description is available.
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
591472
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount:
| $3,500.00 |
Prosper Rating:
| HR |
Listing Duration:
| 14 days
|
Minimum Amount to Fund:
| $2,450 |
Estimated loss*:
| 16.50% | | |
Term:
| 36 months | | | | |
|
Lender yield:
| 30.77% |
Borrower rate/APR:
| 31.77% / 35.80% |
Monthly payment:
| $151.99 |
|
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-2001 |
Debt/Income ratio:
| 37% |
Credit score:
| 680-699 (May-2012) |
Inquiries last 6m:
| 1 | Employment status: | Employed |
Now delinquent:
| 1 |
Current / open credit lines:
| 2
/
2 | Length of status: | 6y 10m |
Amount delinquent:
| $105 |
Total credit lines:
| 8 |
Occupation: | Other |
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $366 | Stated income: | $25,000-$49,999 |
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 37% | | |
| |
Homeownership:
| No | | |
Screen name:
| rocker675 |
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
Vacation
Purpose of loan:
This loan will be used to...
My financial situation:
I am a good candidate for this loan because...
Monthly net income: $1700
Monthly expenses: $800
Housing: $502
Insurance: $66
Car expenses: paid off
Utilities: $75
Phone, cable, internet: $60/100(bundled cable and internet)
Food, entertainment: $ varies
Clothing, household expenses: $
Credit cards and other loans: $ gets paid off every 3 months
Other expenses: $
I have little debt. Im a co-signer on a car that I dont own, but the payments have never been late. I have a credit card Im never late paying, and I usually pay off a few times a year.
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
591474
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount:
| $6,000.00 |
Prosper Rating:
| B |
Listing Duration:
| 14 days
|
Minimum Amount to Fund:
| $4,200 |
Estimated loss*:
| 5.65% | | |
Term:
| 60 months | | | | |
|
Lender yield:
| 19.85% |
Borrower rate/APR:
| 20.85% / 23.32% |
Monthly payment:
| $161.81 |
|
Lender servicing fee:
| 1.00% |
Effective Yield*:
| 19.50% | | |
| |
Estimated return*:
| 13.85% | | |
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10):
| 8 |
First credit line:
| Nov-1996 |
Debt/Income ratio:
| 25% |
Credit score:
| 700-719 (May-2012) |
Inquiries last 6m:
| 0 | Employment status: | Employed |
Now delinquent:
| 0 |
Current / open credit lines:
| 11
/
9 | Length of status: | 2y 7m |
Amount delinquent:
| $0 |
Total credit lines:
| 32 |
Occupation: | Attorney |
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $17,978 | Stated income: | $50,000-$74,999 |
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 66% | | |
| |
Homeownership:
| No | | |
Screen name:
| reliable-generosity0 |
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
No More Tears/Move On Down The Road
Purpose of loan: moving expenses (deposit) ... current housing situation has been "benign neglect" in the landlord's own words (and now another bathroom leak!) so really need to move but have been aggressively paying down debt (and covered rent one month for someone on short-term disability) so don't have a pool of money saved for the move given Bay Area housing expenses (deposits are usually thousands of dollars).
I would anticipate pre-paying this loan ahead of schedule (it's not the cheapest interest rate, but would serve a needed purpose in the here-and-now so win-win for both sides).
My financial situation:
I am a good candidate for this loan because I always pay my debts.
Earn $40/hr. and keep expenses low (don't own a car, no kids, etc.).
Thanks for considering my loan listing!
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
591476
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount:
| $2,000.00 |
Prosper Rating:
| C |
Listing Duration:
| 14 days
|
Minimum Amount to Fund:
| $2,000 |
Estimated loss*:
| 8.90% | | |
Term:
| 36 months | | | | |
|
Lender yield:
| 20.48% |
Borrower rate/APR:
| 21.48% / 25.26% |
Monthly payment:
| $75.84 |
|
Lender servicing fee:
| 1.00% |
Effective Yield*:
| 20.00% | | |
| |
Estimated return*:
| 11.10% | | |
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10):
| 6 |
First credit line:
| Aug-2003 |
Debt/Income ratio:
| Not calculated |
Credit score:
| 760-779 (May-2012) |
Inquiries last 6m:
| 1 | Employment status: | Not employed |
Now delinquent:
| 0 |
Current / open credit lines:
| 4
/
4 | Length of status: | 0y 1m |
Amount delinquent:
| $0 |
Total credit lines:
| 12 | Stated income: | Not employed |
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $0 | |
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 0% | | |
| |
Homeownership:
| No | | |
Screen name:
| credit-papyrus2 |
Borrower's state:
| RhodeIsland |
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
large purchase
No description is available.
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
591478
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount:
| $2,500.00 |
Prosper Rating:
| HR |
Listing Duration:
| 14 days
|
Minimum Amount to Fund:
| $2,500 |
Estimated loss*:
| 16.50% | | |
Term:
| 36 months | | | | |
|
Lender yield:
| 30.77% |
Borrower rate/APR:
| 31.77% / 35.80% |
Monthly payment:
| $108.57 |
|
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:
| Oct-2000 |
Debt/Income ratio:
| 15% |
Credit score:
| 660-679 (May-2012) |
Inquiries last 6m:
| 2 | Employment status: | Employed |
Now delinquent:
| 0 |
Current / open credit lines:
| 6
/
6 | Length of status: | 3y 8m |
Amount delinquent:
| $0 |
Total credit lines:
| 19 |
Occupation: | Analyst |
Public records last 12m / 10y:
| 0/ 1 |
Revolving credit balance:
| $1,366 | Stated income: | $25,000-$49,999 |
Delinquencies in last 7y:
| 5 |
Bankcard utilization:
| 48% | | |
| |
Homeownership:
| Yes | | |
Screen name:
| Jamaican150 |
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
Home Improvement
No description is available.
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
591496
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount:
| $2,000.00 |
Prosper Rating:
| C |
Listing Duration:
| 14 days
|
Minimum Amount to Fund:
| $2,000 |
Estimated loss*:
| 8.90% | | |
Term:
| 60 months | | | | |
|
Lender yield:
| 23.89% |
Borrower rate/APR:
| 24.89% / 27.46% |
Monthly payment:
| $58.57 |
|
Lender servicing fee:
| 1.00% |
Effective Yield*:
| 23.32% | | |
| |
Estimated return*:
| 14.42% | | |
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10):
| 7 |
First credit line:
| Oct-1974 |
Debt/Income ratio:
| 54% |
Credit score:
| 720-739 (May-2012) |
Inquiries last 6m:
| 0 | Employment status: | Other |
Now delinquent:
| 2 |
Current / open credit lines:
| 7
/
6 | Length of status: | 8y 0m |
Amount delinquent:
| $431 |
Total credit lines:
| 22 |
Occupation: | Other |
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $5,796 | Stated income: | $25,000-$49,999 |
Delinquencies in last 7y:
| 5 |
Bankcard utilization:
| 29% | | |
| |
Homeownership:
| No | | |
Screen name:
| vibrant-felicity2 |
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
Housing
No description is available.
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
591504
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:
| $5,100.00 |
Prosper Rating:
| B |
Listing Duration:
| 14 days
|
Minimum Amount to Fund:
| $3,570 |
Estimated loss*:
| 4.20% | | |
Term:
| 60 months | | | | |
|
Lender yield:
| 17.30% |
Borrower rate/APR:
| 18.30% / 20.71% |
Monthly payment:
| $130.34 |
|
Lender servicing fee:
| 1.00% |
Effective Yield*:
| 17.00% | | |
| |
Estimated return*:
| 12.80% | | |
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10):
| 6 |
First credit line:
| Aug-2001 |
Debt/Income ratio:
| 13% |
Credit score:
| 660-679 (May-2012) |
Inquiries last 6m:
| 0 | Employment status: | Employed |
Now delinquent:
| 1 |
Current / open credit lines:
| 7
/
7 | Length of status: | 9y 11m |
Amount delinquent:
| $8,128 |
Total credit lines:
| 27 |
Occupation: | Professional |
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $12,853 | Stated income: | $75,000-$99,999 |
Delinquencies in last 7y:
| 6 |
Bankcard utilization:
| 91% | | |
| |
Homeownership:
| Yes | | |
Screen name:
| Voxwest |
Borrower's state:
| California |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan history | Payment history | Credit score history |
Active / total loans:
| 1 / 2 |
On-time:
| 51 ( 100% )
| 660-679 (Latest)
|
Principal borrowed:
| $5,600.00 | < 31 days late:
| 0
( 0% )
| 660-679
(Aug-2010)
660-679
(Aug-2008)
|
Principal balance:
| $115.75 |
31+ days late:
| 0
( 0% )
|
Total payments billed:
| 51 | | |
Description
Help with back taxes & dental work
Purpose of loan: This loan will be used to help me pay off back taxes and get much needed dental work done.
My financial situation: I am a good candidate for this loan because I've had two prior Prosper loans and have never missed or been late on a payment.
Monthly net income: $8300
Monthly expenses:
Housing: $1350 (includes condo mortgage and HOA dues)
Insurance: $0 (included in monthly HOA dues)
Car expenses: $610 (includes payment, insurance and maintenance)
Utilities: $90 (gas & electricity only, no water)
Phone, cable, internet: $100 (no home phone, no cable, cell phone and internet only)
Food, entertainment: $360 (will be reduced by $50 beginning 6/2012)
Clothing, household expenses: $180 (to be reduced by $25
Credit cards and other loans: $180 (two visa cards, $5,000 and $6500 limits)
Other expenses: $0
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
591510
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount:
| $20,000.00 |
Prosper Rating:
| A |
Listing Duration:
| 14 days
|
Minimum Amount to Fund:
| $14,000 |
Estimated loss*:
| 3.30% | | |
Term:
| 36 months | | | | |
|
Lender yield:
| 11.70% |
Borrower rate/APR:
| 12.70% / 15.54% |
Monthly payment:
| $670.99 |
|
Lender servicing fee:
| 1.00% |
Effective Yield*:
| 11.66% | | |
| |
Estimated return*:
| 8.36% | | |
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10):
| 9 |
First credit line:
| Nov-2006 |
Debt/Income ratio:
| 18% |
Credit score:
| 720-739 (May-2012) |
Inquiries last 6m:
| 0 | Employment status: | Employed |
Now delinquent:
| 0 |
Current / open credit lines:
| 8
/
7 | Length of status: | 3y 3m |
Amount delinquent:
| $0 |
Total credit lines:
| 8 |
Occupation: | Sales - Commission |
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $2,934 | Stated income: | $50,000-$74,999 |
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 20% | | |
| |
Homeownership:
| No | | |
Screen name:
| ceasar224 |
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
Majestic Telecommunication Loan
Purpose of loan:
This loan will be used to increase the amount of pre-paid calling cards we are currently distributing. As of right now we have 5 products out in 3 states. We are distributing 10,000 calling cards per week, with this loan we will be able to increase the distribution to meet our high demand set by our resellers to 30,000 pre-paid calling cards per week.
My financial situation:
I am a good candidate for this loan because my company is stable and growing and my position at Time Warner Cable has been very good during these tough economic times. I have never been late and never been delinquent on any of my credit cards.
If you have any questions please feel free to ask.
Thank you
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
591518
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:
| 19.85% |
Borrower rate/APR:
| 20.85% / 23.32% |
Monthly payment:
| $404.54 |
|
Lender servicing fee:
| 1.00% |
Effective Yield*:
| 19.50% | | |
| |
Estimated return*:
| 13.85% | | |
* 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-1995 |
Debt/Income ratio:
| 11% |
Credit score:
| 720-739 (May-2012) |
Inquiries last 6m:
| 1 | Employment status: | Employed |
Now delinquent:
| 0 |
Current / open credit lines:
| 3
/
3 | Length of status: | 18y 5m |
Amount delinquent:
| $0 |
Total credit lines:
| 18 |
Occupation: | Construction |
Public records last 12m / 10y:
| 0/ 1 |
Revolving credit balance:
| $47 | Stated income: | $50,000-$74,999 |
Delinquencies in last 7y:
| 6 |
Bankcard utilization:
| 4% | | |
| |
Homeownership:
| No | | |
Screen name:
| KSVG897fm |
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
Radio station transmission equipmen
Purpose of loan:
This loan will be used to purchase radio station
transmission equipment. A 2000 watt transmitter
and a Yagi CA5-FM/FM antenna. This will be for
much need community radio station in Bakersfield, Ca.
FCC call letters KSVG 89.7fm.
My financial situation:
I am a good candidate for this loan because I don't have
very much monthly expenses. Low rent and
No car payment.
Monthly net income: $4300
Monthly expenses: $
Housing: $450
Insurance: $39
Car expenses: $50
Utilities: $100
Phone, cable, internet: $150
Food, entertainment: $200
Clothing, household expenses: $50
Credit cards and other loans: $15
Other expenses: $
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
591522
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount:
| $3,500.00 |
Prosper Rating:
| HR |
Listing Duration:
| 14 days
|
Minimum Amount to Fund:
| $2,450 |
Estimated loss*:
| 16.50% | | |
Term:
| 36 months | | | | |
|
Lender yield:
| 30.77% |
Borrower rate/APR:
| 31.77% / 35.80% |
Monthly payment:
| $151.99 |
|
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:
| Jul-1976 |
Debt/Income ratio:
| Self-employed (DTI Not Calculated) |
Credit score:
| 780-799 (May-2012) |
Inquiries last 6m:
| 3 | Employment status: | Self-employed |
Now delinquent:
| 0 |
Current / open credit lines:
| 9
/
6 | Length of status: | 2y 6m |
Amount delinquent:
| $0 |
Total credit lines:
| 28 |
Occupation: | Executive |
Public records last 12m / 10y:
| 0/ 1 |
Revolving credit balance:
| $9,221 | Stated income: | $75,000-$99,999 |
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 46% | | |
| |
Homeownership:
| Yes | | |
Screen name:
| new-thoughtful-p2p |
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
Web Site Rennovation
Purpose of loan:
This loan will be used to...Fund renewal of web design and business development plan
My financial situation:
I am a good candidate for this loan because...We have been in business since 1987. The current business has a future in renewable transportation fuel. A funding source has contacted us for a demonstration project outlined in out plan.
Monthly net income: $ 6,250
Monthly expenses: $350.00
Housing: $1300
Insurance: $240.00
Car expenses: $450.00
Utilities: $150.00
Phone, cable, internet: $85.00
Food, entertainment: $740.00
Clothing, household expenses: $125.00
Credit cards and other loans: $370.00
Other expenses: $600.00
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
591532
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount:
| $2,500.00 |
Prosper Rating:
| C |
Listing Duration:
| 14 days
|
Minimum Amount to Fund:
| $2,500 |
Estimated loss*:
| 8.90% | | |
Term:
| 60 months | | | | |
|
Lender yield:
| 23.89% |
Borrower rate/APR:
| 24.89% / 27.46% |
Monthly payment:
| $73.22 |
|
Lender servicing fee:
| 1.00% |
Effective Yield*:
| 23.32% | | |
| |
Estimated return*:
| 14.42% | | |
* 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-2006 |
Debt/Income ratio:
| 22% |
Credit score:
| 680-699 (May-2012) |
Inquiries last 6m:
| 1 | Employment status: | Employed |
Now delinquent:
| 0 |
Current / open credit lines:
| 7
/
6 | Length of status: | 6y 9m |
Amount delinquent:
| $0 |
Total credit lines:
| 24 |
Occupation: | Other |
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $4,178 | Stated income: | $25,000-$49,999 |
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 50% | | |
| |
Homeownership:
| No | | |
Screen name:
| trade-saxaphone9 |
Borrower's state:
| Kentucky |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Description
Debt consolidation.
Purpose of loan:
This loan will be used to...
My financial situation:
I am a good candidate for this loan because...
Am only needing the money for an emergency payment of bills. I am secure in my career. I can make my payments on time.
Monthly net income: $1,300
Monthly expenses: $300
Housing: $120
Insurance: $73
Car expenses: $0
Utilities: $50
Phone, cable, internet: $150
Food, entertainment: $50
Clothing, household expenses: $0
Credit cards and other loans:
Other expenses: $
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
591576
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount:
| $2,500.00 |
Prosper Rating:
| B |
Listing Duration:
| 14 days
|
Minimum Amount to Fund:
| $2,500 |
Estimated loss*:
| 5.65% | | |
Term:
| 36 months | | | | |
|
Lender yield:
| 16.68% |
Borrower rate/APR:
| 17.68% / 21.37% |
Monthly payment:
| $89.98 |
|
Lender servicing fee:
| 1.00% |
Effective Yield*:
| 16.39% | | |
| |
Estimated return*:
| 10.74% | | |
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10):
| 8 |
First credit line:
| Aug-2002 |
Debt/Income ratio:
| 13% |
Credit score:
| 700-719 (May-2012) |
Inquiries last 6m:
| 2 | Employment status: | Employed |
Now delinquent:
| 0 |
Current / open credit lines:
| 5
/
4 | Length of status: | 4y 9m |
Amount delinquent:
| $0 |
Total credit lines:
| 10 |
Occupation: | Other |
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $304 | Stated income: | $25,000-$49,999 |
Delinquencies in last 7y:
| 18 |
Bankcard utilization:
| 8% | | |
| |
Homeownership:
| No | | |
Screen name:
| best-bid-engine |
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
Funds for Business add on expenses
Purpose of loan:
This loan will be used to... Add on to my business I am in process to starting my on LLC business on a shoe string budget using my own hard earn money the loan will help me to add more capital to my business account.
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
591582
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:
| Feb-2011 |
Debt/Income ratio:
| Not calculated |
Credit score:
| 680-699 (May-2012) |
Inquiries last 6m:
| 0 | Employment status: | Employed |
Now delinquent:
| 0 |
Current / open credit lines:
| 2
/
2 | Length of status: | 0y 4m |
Amount delinquent:
| $0 |
Total credit lines:
| 4 |
Occupation: | Sales - Retail |
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $346 | Stated income: | $1-$24,999 |
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 43% | | |
| |
Homeownership:
| No | | |
Screen name:
| marketplace-collector2 |
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
Jumpstart My Online Business
This loan will be used to jumpstart an online business opportunity.
I have recently discovered a solid way to make a life-changing income online which will allow me to finally quit my 9-5 and focus all my efforts on my ideas and entrepreneurial aspirations, but I need your help for this
to happen.
My financial situation: I have two credit lines and have consistently paid each payment on time. The profit which I project to make from this venture will allow me to pay off the other loan as well as this one in just a few short months.
Thank you in advance for your help and support!
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
591590
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:
| 36 months | | | | |
|
Lender yield:
| 23.99% |
Borrower rate/APR:
| 24.99% / 28.85% |
Monthly payment:
| $596.32 |
|
Lender servicing fee:
| 1.00% |
Effective Yield*:
| 23.40% | | |
| |
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):
| 5 |
First credit line:
| Jan-1991 |
Debt/Income ratio:
| Not calculated |
Credit score:
| 740-759 (May-2012) |
Inquiries last 6m:
| 1 | Employment status: | Not employed |
Now delinquent:
| 0 |
Current / open credit lines:
| 10
/
8 | Length of status: | 24y 0m |
Amount delinquent:
| $0 |
Total credit lines:
| 33 | Stated income: | Not employed |
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $28,581 | |
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 69% | | |
| |
Homeownership:
| Yes | | |
Screen name:
| sensible-loan228 |
Borrower's state:
| Oregon |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Description
Home Improvement Loan
No description is available.
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
591606
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:
| Apr-1990 |
Debt/Income ratio:
| 23% |
Credit score:
| 720-739 (May-2012) |
Inquiries last 6m:
| 1 | Employment status: | Employed |
Now delinquent:
| 0 |
Current / open credit lines:
| 5
/
4 | Length of status: | 1y 2m |
Amount delinquent:
| $0 |
Total credit lines:
| 26 |
Occupation: | Skilled Labor |
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $2,048 | Stated income: | $25,000-$49,999 |
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 98% | | |
| |
Homeownership:
| Yes | | |
Screen name:
| hope-maestro0 |
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
Bill consolidation
No description is available.
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
591640
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount:
| $6,500.00 |
Prosper Rating:
| B |
Listing Duration:
| 14 days
|
Minimum Amount to Fund:
| $6,500 |
Estimated loss*:
| 5.65% | | |
Term:
| 60 months | | | | |
|
Lender yield:
| 19.85% |
Borrower rate/APR:
| 20.85% / 23.32% |
Monthly payment:
| $175.30 |
|
Lender servicing fee:
| 1.00% |
Effective Yield*:
| 19.50% | | |
| |
Estimated return*:
| 13.85% | | |
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10):
| 8 |
First credit line:
| Mar-1993 |
Debt/Income ratio:
| 5% |
Credit score:
| 720-739 (May-2012) |
Inquiries last 6m:
| 2 | Employment status: | Employed |
Now delinquent:
| 0 |
Current / open credit lines:
| 8
/
3 | Length of status: | 28y 4m |
Amount delinquent:
| $0 |
Total credit lines:
| 18 |
Occupation: | Engineer - Electric... |
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $12,723 | Stated income: | $100,000+ |
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 91% | | |
| |
Homeownership:
| Yes | | |
Screen name:
| entertaining-loot1 |
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
Home Improvement loan
Purpose of loan:
This loan will be used to... Home Improvement
My financial situation:
I am a good candidate for this loan because...
Monthly net income: $ 7360
Monthly expenses:
Housing: $ 1500
Insurance: $ 200
Car expenses: $ paid off
Utilities: $300
Phone, cable, internet: $100
Food, entertainment: $ 1500
Clothing, household expenses: $
Credit cards and other loans: $ 800
Other expenses: $
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
591642
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:
| 14.51% |
Borrower rate/APR:
| 15.51% / 17.85% |
Monthly payment:
| $360.88 |
|
Lender servicing fee:
| 1.00% |
Effective Yield*:
| 14.45% | | |
| |
Estimated return*:
| 11.15% | | |
* 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:
| Sep-2001 |
Debt/Income ratio:
| 18% |
Credit score:
| 760-779 (May-2012) |
Inquiries last 6m:
| 0 | Employment status: | Employed |
Now delinquent:
| 0 |
Current / open credit lines:
| 8
/
7 | Length of status: | 7y 9m |
Amount delinquent:
| $0 |
Total credit lines:
| 13 |
Occupation: | Medical Technician |
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $5,934 | Stated income: | $50,000-$74,999 |
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 34% | | |
| |
Homeownership:
| No | | |
Screen name:
| return-triangulation7 |
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
Starting New Business
No description is available.
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
591644
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):
| 4 |
First credit line:
| Oct-1986 |
Debt/Income ratio:
| 60% |
Credit score:
| 700-719 (May-2012) |
Inquiries last 6m:
| 1 | Employment status: | Employed |
Now delinquent:
| 1 |
Current / open credit lines:
| 23
/
21 | Length of status: | 17y 8m |
Amount delinquent:
| $28 |
Total credit lines:
| 43 |
Occupation: | Other |
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $33,772 | Stated income: | $25,000-$49,999 |
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 59% | | |
| |
Homeownership:
| Yes | | |
Screen name:
| mangrove087 |
Borrower's state:
| Pennsylvania |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Description
home improvments
No description is available.
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
591660
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:
| 36 months | | | | |
|
Lender yield:
| 28.99% |
Borrower rate/APR:
| 29.99% / 33.97% |
Monthly payment:
| $169.78 |
|
Lender servicing fee:
| 1.00% |
Effective Yield*:
| 27.66% | | |
| |
Estimated return*:
| 12.76% | | |
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10):
| 1 |
First credit line:
| Sep-1989 |
Debt/Income ratio:
| 24% |
Credit score:
| 600-619 (May-2012) |
Inquiries last 6m:
| 7 | Employment status: | Employed |
Now delinquent:
| 0 |
Current / open credit lines:
| 13
/
11 | Length of status: | 4y 2m |
Amount delinquent:
| $0 |
Total credit lines:
| 26 |
Occupation: | Other |
Public records last 12m / 10y:
| 0/ 1 |
Revolving credit balance:
| $5,210 | Stated income: | $100,000+ |
Delinquencies in last 7y:
| 28 |
Bankcard utilization:
| 86% | | |
| |
Homeownership:
| No | | |
Screen name:
| disummit |
Borrower's state:
| Minnesota |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan history | Payment history | Credit score history |
Active / total loans:
| 0 / 2 |
On-time:
| 33 ( 73% )
| 600-619 (Latest)
|
Principal borrowed:
| $14,000.00 | < 31 days late:
| 1
( 2% )
| 600-619
(Apr-2011)
660-679
(Sep-2007)
|
Principal balance:
| $0.09 |
31+ days late:
| 11
( 24% )
|
Total payments billed:
| 45 | | |
Description
Home Improvement
Purpose of loan: Finish Basement
This loan will be used to...
My financial situation:
I am a good candidate for this loan because... I have paid off 2 previous prosper loans on time.
Monthly net income: $9200
Monthly expenses: $3500
Housing: $1035
Insurance: $200
Car expenses: $1200
Utilities: $200
Phone, cable, internet: $150
Food, entertainment: $300
Clothing, household expenses: $200
Credit cards and other loans: $200
Other expenses: $
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
591662
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:
| 60 months | | | | |
|
Lender yield:
| 14.51% |
Borrower rate/APR:
| 15.51% / 17.85% |
Monthly payment:
| $192.47 |
|
Lender servicing fee:
| 1.00% |
Effective Yield*:
| 14.45% | | |
| |
Estimated return*:
| 11.15% | | |
* 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:
| Dec-1993 |
Debt/Income ratio:
| 22% |
Credit score:
| 760-779 (May-2012) |
Inquiries last 6m:
| 0 | Employment status: | Other |
Now delinquent:
| 0 |
Current / open credit lines:
| 5
/
4 | Length of status: | 6y 8m |
Amount delinquent:
| $0 |
Total credit lines:
| 19 |
Occupation: | Other |
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $11,731 | Stated income: | $25,000-$49,999 |
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 58% | | |
| |
Homeownership:
| No | | |
Screen name:
| durability-orbit4 |
Borrower's state:
| Florida |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Description
debt consolidation
Purpose of loan:
This loan will be used to..consolidae my debt.
My financial situation:
I am a good candidate for this loan because..i pay my bills on time.
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
591684
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:
| C |
Listing Duration:
| 14 days
|
Minimum Amount to Fund:
| $7,000 |
Estimated loss*:
| 8.90% | | |
Term:
| 60 months | | | | |
|
Lender yield:
| 23.89% |
Borrower rate/APR:
| 24.89% / 27.46% |
Monthly payment:
| $292.87 |
|
Lender servicing fee:
| 1.00% |
Effective Yield*:
| 23.32% | | |
| |
Estimated return*:
| 14.42% | | |
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10):
| 7 |
First credit line:
| Nov-1994 |
Debt/Income ratio:
| 44% |
Credit score:
| 760-779 (May-2012) |
Inquiries last 6m:
| 1 | Employment status: | Employed |
Now delinquent:
| 0 |
Current / open credit lines:
| 5
/
5 | Length of status: | 15y 0m |
Amount delinquent:
| $0 |
Total credit lines:
| 14 |
Occupation: | Food Service |
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $3,228 | Stated income: | $1-$24,999 |
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 10% | | |
| |
Homeownership:
| No | | |
Screen name:
| tranquil-dollar536 |
Borrower's state:
| Ohio |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Description
debt payoff
No description is available.
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
591690
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount:
| $5,000.00 |
Prosper Rating:
| B |
Listing Duration:
| 14 days
|
Minimum Amount to Fund:
| $3,500 |
Estimated loss*:
| 4.20% | | |
Term:
| 36 months | | | | |
|
Lender yield:
| 13.69% |
Borrower rate/APR:
| 14.69% / 18.32% |
Monthly payment:
| $172.57 |
|
Lender servicing fee:
| 1.00% |
Effective Yield*:
| 13.46% | | |
| |
Estimated return*:
| 9.26% | | |
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10):
| 6 |
First credit line:
| Oct-1979 |
Debt/Income ratio:
| 15% |
Credit score:
| 640-659 (May-2012) |
Inquiries last 6m:
| 1 | Employment status: | Employed |
Now delinquent:
| 0 |
Current / open credit lines:
| 7
/
7 | Length of status: | 6y 3m |
Amount delinquent:
| $0 |
Total credit lines:
| 10 |
Occupation: | Other |
Public records last 12m / 10y:
| 0/ 1 |
Revolving credit balance:
| $3,406 | Stated income: | $25,000-$49,999 |
Delinquencies in last 7y:
| 1 |
Bankcard utilization:
| 46% | | |
| |
Homeownership:
| Yes | | |
Screen name:
| spry-bazaar8 |
Borrower's state:
| Florida |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan history | Payment history | Credit score history |
Active / total loans:
| 1 / 1 |
On-time:
| 6 ( 100% )
| 640-659 (Latest)
|
Principal borrowed:
| $2,500.00 | < 31 days late:
| 0
( 0% )
| 740-759
(Oct-2011)
|
Principal balance:
| $2,206.04 |
31+ days late:
| 0
( 0% )
|
Total payments billed:
| 6 | | |
Description
Debt Consolidation
This loan will be used to payoff ALL my loan balances except my mortgage. It will reduce my monthly outlay by $200.
I had zero debt prior to Sep 2008 when my 6 year old son got a rare illness in the Philippines. Subsequently, he has been hospitalized twice here. All of my debt is either a result of his treatment, flight here to the U.S., or for basic needs during his treatment periods.
I have been steadily employed for over 6 years, I always put my responsibilities before my personal comforts, and have sufficient means to repay the loan as agreed.
Additionally, my social security income will increase an additional $700 to $1000 as benefits for the minor child?s care by June.
Monthly net income: $ 2850
Monthly expenses: $ 2550
Housing: $ 1110
Insurance: $ 75
Car expenses: $ 100
Utilities: $ 260
Phone, cable, internet: $ 135
Food, entertainment: $ 200
Clothing, household expenses: $ 100
Credit cards and other loans: $ 470
Other expenses: $ 100
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
583709
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount:
| $6,000.00 |
Prosper Rating:
| D |
Listing Duration:
| 14 days
|
Minimum Amount to Fund:
| $6,000 |
Estimated loss*:
| 11.90% | | |
Term:
| 60 months | | | | |
|
Lender yield:
| 27.70% |
Borrower rate/APR:
| 28.70% / 31.38% |
Monthly payment:
| $189.36 |
|
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:
| Jul-1977 |
Debt/Income ratio:
| 16% |
Credit score:
| 680-699 (Apr-2012) |
Inquiries last 6m:
| 1 | Employment status: | Employed |
Now delinquent:
| 0 |
Current / open credit lines:
| 6
/
5 | Length of status: | 10y 7m |
Amount delinquent:
| $0 |
Total credit lines:
| 39 |
Occupation: | Other |
Public records last 12m / 10y:
| 0/ 2 |
Revolving credit balance:
| $1,324 | Stated income: | $25,000-$49,999 |
Delinquencies in last 7y:
| 1 |
Bankcard utilization:
| 91% | | |
| |
Homeownership:
| No | | |
Screen name:
| responsibility-armada1 |
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
debt consoladation
Purpose of loan:
This loan will be used to...to pay of credit cards and loans
My financial situation: better
I am a good candidate for this loan because...
I always go to work and are very responsible.
Monthly net income: $2265
Monthly expenses: $1900
Housing: $950
Insurance: $340
Car expenses: $
Utilities: $100 gas, electric
Phone, cable, internet: $150
Food, entertainment: $150
Clothing, household expenses: $0
Credit cards and other loans: $225
Other expenses: $0
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
587605
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:
| 16.68% |
Borrower rate/APR:
| 17.68% / 21.37% |
Monthly payment:
| $539.88 |
|
Lender servicing fee:
| 1.00% |
Effective Yield*:
| 16.39% | | |
| |
Estimated return*:
| 10.74% | | |
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10):
| 8 |
First credit line:
| May-1989 |
Debt/Income ratio:
| 14% |
Credit score:
| 700-719 (May-2012) |
Inquiries last 6m:
| 1 | Employment status: | Employed |
Now delinquent:
| 0 |
Current / open credit lines:
| 8
/
6 | Length of status: | 18y 10m |
Amount delinquent:
| $0 |
Total credit lines:
| 22 |
Occupation: | Other |
Public records last 12m / 10y:
| 0/ 1 |
Revolving credit balance:
| $263,164 | Stated income: | $75,000-$99,999 |
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 96% | | |
| |
Homeownership:
| No | | |
Screen name:
| stable-bill553 |
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
debt consolodation
Purpose of loan:
This loan will be used to...
payoff high interest credit cards
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
588557
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):
| 4 |
First credit line:
| May-1985 |
Debt/Income ratio:
| 20% |
Credit score:
| 700-719 (May-2012) |
Inquiries last 6m:
| 4 | Employment status: | Other |
Now delinquent:
| 0 |
Current / open credit lines:
| 10
/
9 | Length of status: | 0y 4m |
Amount delinquent:
| $0 |
Total credit lines:
| 20 |
Occupation: | Other |
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $22,124 | Stated income: | $100,000+ |
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 97% | | |
| |
Homeownership:
| Yes | | |
Screen name:
| economy-jaunt7 |
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
economy-jaunt7
Purpose of loan:
This loan will be used to... Consolidate Bills
My financial situation:
I am a good candidate for this loan because... I have a stable income, own my home (mortgage) and no derogatory remarks other than the references to too many loans, moreover, Never Late on Loan Payments. Since 100% combat disabled Marine, my Disability income from the Department of Veterans Affairs is not taxable and I am not required to pay local property taxes.
Monthly net income: $8,444.84
Monthly expenses: $c.6,000
Housing: $
Insurance: $1,200
Car expenses: $518.00
Utilities: $350.00
Phone, cable, internet: $152,157, included in phone
Food, entertainment: $ varies
Clothing, household expenses: $varies
Credit cards and other loans: c.1,000/month
Other expeses: Only those that are unforeseen and normal auto maintenace, etc.
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
588969
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount:
| $13,000.00 |
Prosper Rating:
| D |
Listing Duration:
| 14 days
|
Minimum Amount to Fund:
| $9,100 |
Estimated loss*:
| 11.90% | | |
Term:
| 36 months | | | | |
|
Lender yield:
| 23.99% |
Borrower rate/APR:
| 24.99% / 28.85% |
Monthly payment:
| $516.81 |
|
Lender servicing fee:
| 1.00% |
Effective Yield*:
| 23.40% | | |
| |
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):
| 5 |
First credit line:
| Aug-2004 |
Debt/Income ratio:
| 41% |
Credit score:
| 720-739 (May-2012) |
Inquiries last 6m:
| 0 | Employment status: | Employed |
Now delinquent:
| 0 |
Current / open credit lines:
| 7
/
7 | Length of status: | 0y 9m |
Amount delinquent:
| $0 |
Total credit lines:
| 16 |
Occupation: | Teacher |
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $7,295 | Stated income: | $25,000-$49,999 |
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 75% | | |
| |
Homeownership:
| Yes | | |
Screen name:
| the-zippy-commitment |
Borrower's state:
| Virginia |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Description
Debt Consolidation
Purpose of loan: Debt Consolidation
This loan will be used to...
My financial situation:
I am a good candidate for this loan because... I am never late on payments and usually pay more than the required amount monthly.
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
590063
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount:
| $4,000.00 |
Prosper Rating:
| HR |
Listing Duration:
| 14 days
|
Minimum Amount to Fund:
| $4,000 |
Estimated loss*:
| 16.50% | | |
Term:
| 36 months | | | | |
|
Lender yield:
| 30.77% |
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:
| Nov-2007 |
Debt/Income ratio:
| 12% |
Credit score:
| 700-719 (May-2012) |
Inquiries last 6m:
| 2 | Employment status: | Employed |
Now delinquent:
| 0 |
Current / open credit lines:
| 2
/
1 | Length of status: | 0y 2m |
Amount delinquent:
| $0 |
Total credit lines:
| 3 |
Occupation: | Sales - Retail |
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $0 | Stated income: | $1-$24,999 |
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 0% | | |
| |
Homeownership:
| No | | |
Screen name:
| p2p-travels9 |
Borrower's state:
| Delaware |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Description
Need help moving
Purpose of loan: To my new trailer to move closer to parents with bad health
This loan will be used to...make up difference of what I need to buy the trailer
My financial situation: I own the house I live in now and have a secure job as well as 2 other roommates to help pay bills.
I am a good candidate for this loan because...I have very good credit score,own y own car and house, have a secure job, and have good credit history. Not previous loans or debts.
Monthly net income: $1200.00
Monthly expenses: $300.00
Housing: $100.00
Insurance: $50.00
Car expenses: $50.00
Utilities: $150.00
Phone, cable, internet: $80.00
Food, entertainment: $25.00
Clothing, household expenses: $10.00
Credit cards and other loans: $0
Other expenses: $50.00
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
590427
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount:
| $15,000.00 |
Prosper Rating:
| C |
Listing Duration:
| 14 days
|
Minimum Amount to Fund:
| $15,000 |
Estimated loss*:
| 8.90% | | |
Term:
| 36 months | | | | |
|
Lender yield:
| 20.48% |
Borrower rate/APR:
| 21.48% / 25.26% |
Monthly payment:
| $568.83 |
|
Lender servicing fee:
| 1.00% |
Effective Yield*:
| 20.00% | | |
| |
Estimated return*:
| 11.10% | | |
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10):
| 7 |
First credit line:
| Oct-2000 |
Debt/Income ratio:
| 31% |
Credit score:
| 680-699 (May-2012) |
Inquiries last 6m:
| 0 | Employment status: | Employed |
Now delinquent:
| 0 |
Current / open credit lines:
| 9
/
8 | Length of status: | 0y 1m |
Amount delinquent:
| $0 |
Total credit lines:
| 20 |
Occupation: | Sales - Commission |
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $13,710 | Stated income: | $50,000-$74,999 |
Delinquencies in last 7y:
| 6 |
Bankcard utilization:
| 66% | | |
| |
Homeownership:
| No | | |
Screen name:
| norcaliboy22 |
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
Paying off high interest CC debt
Purpose of loan:
This loan will be used to pay off high interest credit cards. Suffered a job loss for 1 year and had to pay out of pocket for health insurance. Better to have health insurance than not.
My financial situation:
I am a good candidate for this loan because I am now employed with a stable company that includes base salary and a commission structure. The numbers that I have used to calculate are my salary only. Commission will be extra money to be used in creating a larger safety net and paying down any debt faster.
Monthly net income: $ 4000
Monthly expenses: $300
Housing: $1200
Insurance: $
Car expenses: $420
Utilities: $30
Phone, cable, internet: $40
Food, entertainment: $400
Clothing, household expenses: $100
Credit cards and other loans: $
Other expenses: $
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
590657
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):
| 4 |
First credit line:
| Mar-1995 |
Debt/Income ratio:
| 13% |
Credit score:
| 680-699 (May-2012) |
Inquiries last 6m:
| 5 | Employment status: | Employed |
Now delinquent:
| 0 |
Current / open credit lines:
| 5
/
3 | Length of status: | 2y 5m |
Amount delinquent:
| $0 |
Total credit lines:
| 7 |
Occupation: | Engineer - Electric... |
Public records last 12m / 10y:
| 0/ 1 |
Revolving credit balance:
| $707 | Stated income: | $50,000-$74,999 |
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 14% | | |
| |
Homeownership:
| No | | |
Screen name:
| liberty-wizard0 |
Borrower's state:
| California |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Description
Debt Consolidation
No description is available.
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
590681
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*:
| 9.90% | | |
Term:
| 60 months | | | | |
|
Lender yield:
| 25.10% |
Borrower rate/APR:
| 26.10% / 28.70% |
Monthly payment:
| $450.00 |
|
Lender servicing fee:
| 1.00% |
Effective Yield*:
| 24.48% | | |
| |
Estimated return*:
| 14.58% | | |
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10):
| 5 |
First credit line:
| Nov-2000 |
Debt/Income ratio:
| 22% |
Credit score:
| 600-619 (May-2012) |
Inquiries last 6m:
| 0 | Employment status: | Employed |
Now delinquent:
| 1 |
Current / open credit lines:
| 7
/
7 | Length of status: | 1y 7m |
Amount delinquent:
| $0 |
Total credit lines:
| 29 |
Occupation: | Engineer - Mechanic... |
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $6,106 | Stated income: | $50,000-$74,999 |
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 98% | | |
| |
Homeownership:
| Yes | | |
Screen name:
| skrzynip |
Borrower's state:
| Wisconsin |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan history | Payment history | Credit score history |
Active / total loans:
| 0 / 1 |
On-time:
| 3 ( 100% )
| 600-619 (Latest)
|
Principal borrowed:
| $7,000.00 | < 31 days late:
| 0
( 0% )
| 720-739
(Apr-2011)
520-539
(Aug-2008)
|
Principal balance:
| $0.00 |
31+ days late:
| 0
( 0% )
|
Total payments billed:
| 3 | | |
Description
pay things off , one payment!
Purpose of loan:
I have a few loans and bills i want to make into one payment.
10000 loan 1
3000 loan 2.
500 1 card.
1000 medical.
My financial situation:
i have a good job, did some damage to my credit when i was younger but i am paying thing off and would like to make it into one payment.
i had one loan here before and paid it off early.
Monthly net income: $5300 (64000 a year)
Monthly expenses:
Housing: $1150
Insurance: $130
Car expenses: $0 payed off.
Utilities: $150
Phone, cable, internet: $100
Food, entertainment: $150
Clothing, household expenses: $150
Credit cards and other loans:
Other expenses:
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
591199
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount:
| $4,000.00 |
Prosper Rating:
| D |
Listing Duration:
| 14 days
|
Minimum Amount to Fund:
| $4,000 |
Estimated loss*:
| 11.90% | | |
Term:
| 36 months | | | | |
|
Lender yield:
| 23.99% |
Borrower rate/APR:
| 24.99% / 28.85% |
Monthly payment:
| $159.02 |
|
Lender servicing fee:
| 1.00% |
Effective Yield*:
| 23.40% | | |
| |
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):
| 5 |
First credit line:
| Dec-1994 |
Debt/Income ratio:
| 29% |
Credit score:
| 720-739 (May-2012) |
Inquiries last 6m:
| 0 | Employment status: | Employed |
Now delinquent:
| 2 |
Current / open credit lines:
| 8
/
8 | Length of status: | 12y 4m |
Amount delinquent:
| $408 |
Total credit lines:
| 28 |
Occupation: | Nurse's Aide |
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $3,817 | Stated income: | $25,000-$49,999 |
Delinquencies in last 7y:
| 2 |
Bankcard utilization:
| 38% | | |
| |
Homeownership:
| Yes | | |
Screen name:
| palace092 |
Borrower's state:
| Ohio |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Description
boat loan
No description is available.
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
591393
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount:
| $15,000.00 |
Prosper Rating:
| C |
Listing Duration:
| 14 days
|
Minimum Amount to Fund:
| $10,500 |
Estimated loss*:
| 6.50% | | |
Term:
| 60 months | | | | |
|
Lender yield:
| 21.20% |
Borrower rate/APR:
| 22.20% / 24.70% |
Monthly payment:
| $415.99 |
|
Lender servicing fee:
| 1.00% |
Effective Yield*:
| 20.70% | | |
| |
Estimated return*:
| 14.20% | | |
* 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:
| May-1993 |
Debt/Income ratio:
| 28% |
Credit score:
| 660-679 (May-2012) |
Inquiries last 6m:
| 1 | Employment status: | Employed |
Now delinquent:
| 0 |
Current / open credit lines:
| 11
/
10 | Length of status: | 31y 11m |
Amount delinquent:
| $0 |
Total credit lines:
| 24 |
Occupation: | Other |
Public records last 12m / 10y:
| 0/ 1 |
Revolving credit balance:
| $20,514 | Stated income: | $75,000-$99,999 |
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 70% | | |
| |
Homeownership:
| Yes | | |
Screen name:
| deh4310br |
Borrower's state:
| Louisiana |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan history | Payment history | Credit score history |
Active / total loans:
| 1 / 2 |
On-time:
| 37 ( 100% )
| 660-679 (Latest)
|
Principal borrowed:
| $10,000.00 | < 31 days late:
| 0
( 0% )
| 700-719
(Jul-2011)
700-719
(Jun-2010)
680-699
(Sep-2009)
640-659
(May-2008)
|
Principal balance:
| $3,200.93 |
31+ days late:
| 0
( 0% )
|
Total payments billed:
| 37 | | |
Description
h2012
No description is available.
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
591419
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:
| 19.85% |
Borrower rate/APR:
| 20.85% / 23.32% |
Monthly payment:
| $404.54 |
|
Lender servicing fee:
| 1.00% |
Effective Yield*:
| 19.50% | | |
| |
Estimated return*:
| 13.85% | | |
* 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-1991 |
Debt/Income ratio:
| 16% |
Credit score:
| 640-659 (May-2012) |
Inquiries last 6m:
| 0 | Employment status: | Employed |
Now delinquent:
| 0 |
Current / open credit lines:
| 11
/
10 | Length of status: | 6y 1m |
Amount delinquent:
| $0 |
Total credit lines:
| 19 |
Occupation: | Other |
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $8,801 | Stated income: | $50,000-$74,999 |
Delinquencies in last 7y:
| 22 |
Bankcard utilization:
| 94% | | |
| |
Homeownership:
| No | | |
Screen name:
| brightest-worth-tuba |
Borrower's state:
| Georgia |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Description
PERSONAL
Purpose of loan:
This loan will be used to...pay off credit cards,get truck fixed
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
591465
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount:
| $10,500.00 |
Prosper Rating:
| AA |
Listing Duration:
| 14 days
|
Minimum Amount to Fund:
| $7,350 |
Estimated loss*:
| 1.00% | | |
Term:
| 36 months | | | | |
|
Lender yield:
| 6.49% |
Borrower rate/APR:
| 7.49% / 8.83% |
Monthly payment:
| $326.57 |
|
Lender servicing fee:
| 1.00% |
Effective Yield*:
| 6.49% | | |
| |
Estimated return*:
| 5.49% | | |
* 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:
| Sep-1988 |
Debt/Income ratio:
| 10% |
Credit score:
| 800-819 (May-2012) |
Inquiries last 6m:
| 0 | Employment status: | Employed |
Now delinquent:
| 0 |
Current / open credit lines:
| 6
/
5 | Length of status: | 14y 9m |
Amount delinquent:
| $0 |
Total credit lines:
| 13 |
Occupation: | Administrative Assi... |
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $387 | Stated income: | $50,000-$74,999 |
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 1% | | |
| |
Homeownership:
| No | | |
Screen name:
| kind-receptive-hope |
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
medical
Purpose of loan:
This loan will be used for medical expenses.
My financial situation:
I am a good candidate for this loan because...
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
591481
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:
| Jan-1987 |
Debt/Income ratio:
| 36% |
Credit score:
| 680-699 (May-2012) |
Inquiries last 6m:
| 1 | Employment status: | Other |
Now delinquent:
| 0 |
Current / open credit lines:
| 14
/
13 | Length of status: | 13y 8m |
Amount delinquent:
| $0 |
Total credit lines:
| 41 |
Occupation: | Other |
Public records last 12m / 10y:
| 0/ 1 |
Revolving credit balance:
| $2,845 | Stated income: | $1-$24,999 |
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 14% | | |
| |
Homeownership:
| No | | |
Screen name:
| ingenious-gain844 |
Borrower's state:
| California |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Description
Loan Consolidation
Purpose of loan:
This loan will be used to...Pay off bills
My financial situation:
I am a good candidate for this loan because...I am not late with any of my bills
Monthly net income: $1,521.73
Monthly expenses: $
Housing: $250.00
Insurance: $104.56
Car expenses: $Ins. $38.00
Utilities: $0.00
Phone, cable, internet: $0.00
Food, entertainment: $150.00
Clothing, household expenses: $50.00
Credit cards and other loans: $700.00
Other expenses: $Gas $90.00
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
591495
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount:
| $5,000.00 |
Prosper Rating:
| C |
Listing Duration:
| 14 days
|
Minimum Amount to Fund:
| $3,500 |
Estimated loss*:
| 8.90% | | |
Term:
| 36 months | | | | |
|
Lender yield:
| 20.48% |
Borrower rate/APR:
| 21.48% / 25.26% |
Monthly payment:
| $189.61 |
|
Lender servicing fee:
| 1.00% |
Effective Yield*:
| 20.00% | | |
| |
Estimated return*:
| 11.10% | | |
* 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-1983 |
Debt/Income ratio:
| 24% |
Credit score:
| 760-779 (May-2012) |
Inquiries last 6m:
| 0 | Employment status: | Employed |
Now delinquent:
| 0 |
Current / open credit lines:
| 7
/
6 | Length of status: | 42y 11m |
Amount delinquent:
| $0 |
Total credit lines:
| 22 |
Occupation: | Engineer - Electric... |
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $48,729 | Stated income: | $50,000-$74,999 |
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 91% | | |
| |
Homeownership:
| Yes | | |
Screen name:
| bonafide-funds1 |
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
Personal Loan
Purpose of loan:
This loan will be used to..repair car
My financial situation:
I am a good candidate for this loan because...I will pay this off in full within 3 months
Monthly net income: $ 5500
Monthly expenses: $50
Housing: $1900
Insurance: $100
Car expenses: $0
Utilities: $190
Phone, cable, internet: $89
Food, entertainment: $250
Clothing, household expenses: $
Credit cards and other loans: $200
Other expenses: $
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
591525
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:
| $15,000 |
Estimated loss*:
| 11.90% | | |
Term:
| 36 months | | | | |
|
Lender yield:
| 23.99% |
Borrower rate/APR:
| 24.99% / 28.85% |
Monthly payment:
| $596.32 |
|
Lender servicing fee:
| 1.00% |
Effective Yield*:
| 23.40% | | |
| |
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):
| 6 |
First credit line:
| May-2007 |
Debt/Income ratio:
| Self-employed (DTI Not Calculated) |
Credit score:
| 720-739 (May-2012) |
Inquiries last 6m:
| 0 | Employment status: | Self-employed |
Now delinquent:
| 0 |
Current / open credit lines:
| 5
/
4 | Length of status: | 2y 11m |
Amount delinquent:
| $0 |
Total credit lines:
| 10 |
Occupation: | Truck Driver |
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $384 | Stated income: | $25,000-$49,999 |
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 3% | | |
| |
Homeownership:
| No | | |
Screen name:
| TruckingNW |
Borrower's state:
| Oregon |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Description
Purchase of a Semi-Truck
I've been in business for myself for 3 years now and am looking to finally purchase my own truck.
I am a good candidate for this loan because I have a steady income and very little expenses...
Monthly net income: 3500$
Monthly expenses: $
Housing: 1000$
Insurance: 60$
Car expenses: 100$
Utilities: 120$
Phone, cable, internet: 100$
Food, entertainment: 600$
Clothing, household expenses: 200$
Credit cards and other loans: 0$
Other expenses: $
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
591529
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount:
| $3,000.00 |
Prosper Rating:
| B |
Listing Duration:
| 14 days
|
Minimum Amount to Fund:
| $2,100 |
Estimated loss*:
| 5.65% | | |
Term:
| 36 months | | | | |
|
Lender yield:
| 16.68% |
Borrower rate/APR:
| 17.68% / 21.37% |
Monthly payment:
| $107.98 |
|
Lender servicing fee:
| 1.00% |
Effective Yield*:
| 16.39% | | |
| |
Estimated return*:
| 10.74% | | |
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10):
| 8 |
First credit line:
| Nov-1989 |
Debt/Income ratio:
| 8% |
Credit score:
| 760-779 (May-2012) |
Inquiries last 6m:
| 0 | Employment status: | Other |
Now delinquent:
| 0 |
Current / open credit lines:
| 4
/
3 | Length of status: | 9y 9m |
Amount delinquent:
| $0 |
Total credit lines:
| 31 |
Occupation: | Other |
Public records last 12m / 10y:
| 0/ 1 |
Revolving credit balance:
| $0 | Stated income: | $100,000+ |
Delinquencies in last 7y:
| 5 |
Bankcard utilization:
| 0% | | |
| |
Homeownership:
| No | | |
Screen name:
| wise-euro-flan |
Borrower's state:
| Oregon |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Description
change house
No description is available.
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
591543
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:
| Oct-2000 |
Debt/Income ratio:
| Not calculated |
Credit score:
| 760-779 (May-2012) |
Inquiries last 6m:
| 1 | Employment status: | Other |
Now delinquent:
| 0 |
Current / open credit lines:
| 1
/
1 | Length of status: | 23y 11m |
Amount delinquent:
| $0 |
Total credit lines:
| 8 |
Occupation: | Other |
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $0 | Stated income: | $1-$24,999 |
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 0% | | |
| |
Homeownership:
| No | | |
Screen name:
| resplendent-felicity5 |
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
Home expenses
Purpose of loan:
This loan will be used to...help with home expenses
My financial situation:
I am a good candidate for this loan because...
Monthly net income: $991
Monthly expenses: $
Housing: $
Insurance: $
Car expenses: $50
Utilities: $150
Phone, cable, internet: $153
Food, entertainment: $50
Clothing, household expenses: $
Credit cards and other loans: $
Other expenses: $
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
591545
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:
| $4,300.00 |
Prosper Rating:
| C |
Listing Duration:
| 14 days
|
Minimum Amount to Fund:
| $3,010 |
Estimated loss*:
| 6.50% | | |
Term:
| 36 months | | | | |
|
Lender yield:
| 18.02% |
Borrower rate/APR:
| 19.02% / 22.74% |
Monthly payment:
| $157.66 |
|
Lender servicing fee:
| 1.00% |
Effective Yield*:
| 17.60% | | |
| |
Estimated return*:
| 11.10% | | |
* 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:
| Jan-1971 |
Debt/Income ratio:
| 36% |
Credit score:
| 680-699 (May-2012) |
Inquiries last 6m:
| 1 | Employment status: | Employed |
Now delinquent:
| 0 |
Current / open credit lines:
| 27
/
25 | Length of status: | 9y 0m |
Amount delinquent:
| $0 |
Total credit lines:
| 47 |
Occupation: | Administrative Assi... |
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $59,532 | Stated income: | $50,000-$74,999 |
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 82% | | |
| |
Homeownership:
| Yes | | |
Screen name:
| the-receptive-order |
Borrower's state:
| Florida |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan history | Payment history | Credit score history |
Active / total loans:
| 1 / 1 |
On-time:
| 7 ( 100% )
| 680-699 (Latest)
|
Principal borrowed:
| $5,000.00 | < 31 days late:
| 0
( 0% )
| 720-739
(Sep-2011)
|
Principal balance:
| $3,971.64 |
31+ days late:
| 0
( 0% )
|
Total payments billed:
| 7 | | |
Description
Lower monthly payment/refinance
Purpose of loan:
This loan will be used to...Refinance current loan
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
591573
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:
| 16.68% |
Borrower rate/APR:
| 17.68% / 21.37% |
Monthly payment:
| $539.88 |
|
Lender servicing fee:
| 1.00% |
Effective Yield*:
| 16.39% | | |
| |
Estimated return*:
| 10.74% | | |
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10):
| 8 |
First credit line:
| Sep-1986 |
Debt/Income ratio:
| 15% |
Credit score:
| 660-679 (May-2012) |
Inquiries last 6m:
| 0 | Employment status: | Other |
Now delinquent:
| 0 |
Current / open credit lines:
| 10
/
10 | Length of status: | 56y 6m |
Amount delinquent:
| $0 |
Total credit lines:
| 21 |
Occupation: | Other |
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $18,518 | Stated income: | $75,000-$99,999 |
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 94% | | |
| |
Homeownership:
| Yes | | |
Screen name:
| thankful-value727 |
Borrower's state:
| Georgia |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Description
Debt Consolidation & Home Improveme
No description is available.
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
591575
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*:
| 11.80% | | |
Term:
| 12 months | | | | |
|
Lender yield:
| 17.97% |
Borrower rate/APR:
| 18.97% / 26.82% |
Monthly payment:
| $1,382.13 |
|
Lender servicing fee:
| 1.00% |
Effective Yield*:
| 17.55% | | |
| |
Estimated return*:
| 5.75% | | |
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10):
| 6 |
First credit line:
| Dec-1991 |
Debt/Income ratio:
| 35% |
Credit score:
| 680-699 (May-2012) |
Inquiries last 6m:
| 0 | Employment status: | Employed |
Now delinquent:
| 0 |
Current / open credit lines:
| 10
/
7 | Length of status: | 3y 11m |
Amount delinquent:
| $0 |
Total credit lines:
| 21 |
Occupation: | Professional |
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $22,664 | Stated income: | $100,000+ |
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 97% | | |
| |
Homeownership:
| Yes | | |
Screen name:
| transparency |
Borrower's state:
| NorthCarolina |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Description
Debt Consolidation - Need S-T Loan
Purpose of loan:
This loan will be used to payoff my higher rate credit card.
My financial situation:
I have been helping out my sister and her family for the past couple of years. They lost their jobs and now my brother-in-law has found a decent job. I make great income, but supporting them and their two kids have taken a toll on my finances. I will pay this loan off in one year and just need a short-term loan at lower interest rate to save some additional money on interest.
I have excellent credit and never been late on any kind of payment. For some reason, there is a credit card late showing from about 3 or 4 yrs ago which I have been back and forth with the credit card company.
Please ask any questions you may have. Thanks
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
591591
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount:
| $25,000.00 |
Prosper Rating:
| A |
Listing Duration:
| 14 days
|
Minimum Amount to Fund:
| $17,500 |
Estimated loss*:
| 3.30% | | |
Term:
| 36 months | | | | |
|
Lender yield:
| 11.70% |
Borrower rate/APR:
| 12.70% / 15.54% |
Monthly payment:
| $838.74 |
|
Lender servicing fee:
| 1.00% |
Effective Yield*:
| 11.66% | | |
| |
Estimated return*:
| 8.36% | | |
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10):
| 9 |
First credit line:
| Jun-1996 |
Debt/Income ratio:
| 10% |
Credit score:
| 740-759 (May-2012) |
Inquiries last 6m:
| 0 | Employment status: | Employed |
Now delinquent:
| 0 |
Current / open credit lines:
| 1
/
1 | Length of status: | 12y 7m |
Amount delinquent:
| $0 |
Total credit lines:
| 18 |
Occupation: | Executive |
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $2,793 | Stated income: | $100,000+ |
Delinquencies in last 7y:
| 3 |
Bankcard utilization:
| 55% | | |
| |
Homeownership:
| No | | |
Screen name:
| triverentrepreneur |
Borrower's state:
| Wisconsin |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Description
Growth capital to hire more people
Purpose of loan:
This loan will be used to...
1. Loan will be used expand profitable business. Your funds will help create more jobs in rural USA. We are a 4 year old profitable outsourcing company where our clients hire us to perform IT projects... and instead of hiring people from India to do the work, we hire in rural USA. Called onshoring. We rather pay interest to general public rather than to our banks.
2. I'm writing an article for a national publication about 1) how sites such as prosper.com can help an entrepreneur get a loan to get an idea for a new business started without using a bank; 2) such sites are poised to expand into crowd funding without using a angel investor.
My financial situation:
I am a good candidate for this loan because...senior level executive with personal and corporate resources to ensure loan is paid on time for the entire term. Good credit score, low debt ratio, and history of paying.
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
591637
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount:
| $15,000.00 |
Prosper Rating:
| C |
Listing Duration:
| 14 days
|
Minimum Amount to Fund:
| $15,000 |
Estimated loss*:
| 8.90% | | |
Term:
| 36 months | | | | |
|
Lender yield:
| 20.48% |
Borrower rate/APR:
| 21.48% / 25.26% |
Monthly payment:
| $568.83 |
|
Lender servicing fee:
| 1.00% |
Effective Yield*:
| 20.00% | | |
| |
Estimated return*:
| 11.10% | | |
* 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-2004 |
Debt/Income ratio:
| 34% |
Credit score:
| 800-819 (May-2012) |
Inquiries last 6m:
| 2 | Employment status: | Employed |
Now delinquent:
| 0 |
Current / open credit lines:
| 12
/
10 | Length of status: | 2y 2m |
Amount delinquent:
| $0 |
Total credit lines:
| 32 |
Occupation: | Other |
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $389 | Stated income: | $25,000-$49,999 |
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 1% | | |
| |
Homeownership:
| Yes | | |
Screen name:
| return-sprout4 |
Borrower's state:
| Pennsylvania |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Description
Chicago
No description is available.
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
591639
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount:
| $12,000.00 |
Prosper Rating:
| B |
Listing Duration:
| 14 days
|
Minimum Amount to Fund:
| $8,400 |
Estimated loss*:
| 5.65% | | |
Term:
| 12 months | | | | |
|
Lender yield:
| 11.24% |
Borrower rate/APR:
| 12.24% / 17.97% |
Monthly payment:
| $1,067.53 |
|
Lender servicing fee:
| 1.00% |
Effective Yield*:
| 11.06% | | |
| |
Estimated return*:
| 5.41% | | |
* 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:
| Oct-2005 |
Debt/Income ratio:
| 14% |
Credit score:
| 700-719 (May-2012) |
Inquiries last 6m:
| 1 | Employment status: | Employed |
Now delinquent:
| 0 |
Current / open credit lines:
| 8
/
8 | Length of status: | 1y 1m |
Amount delinquent:
| $0 |
Total credit lines:
| 11 |
Occupation: | Analyst |
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $5,136 | Stated income: | $100,000+ |
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 34% | | |
| |
Homeownership:
| No | | |
Screen name:
| ingenious-transaction833 |
Borrower's state:
| California |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Description
Wedding Loan
No description is available.
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
591641
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:
| 60 months | | | | |
|
Lender yield:
| 27.70% |
Borrower rate/APR:
| 28.70% / 31.38% |
Monthly payment:
| $157.80 |
|
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:
| Oct-1961 |
Debt/Income ratio:
| 12% |
Credit score:
| 700-719 (May-2012) |
Inquiries last 6m:
| 6 | Employment status: | Other |
Now delinquent:
| 0 |
Current / open credit lines:
| 3
/
3 | Length of status: | 31y 11m |
Amount delinquent:
| $0 |
Total credit lines:
| 38 |
Occupation: | Other |
Public records last 12m / 10y:
| 0/ 1 |
Revolving credit balance:
| $10 | Stated income: | $25,000-$49,999 |
Delinquencies in last 7y:
| 20 |
Bankcard utilization:
| 1% | | |
| |
Homeownership:
| Yes | | |
Screen name:
| fantastic-felicity933 |
Borrower's state:
| Virginia |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Description
vaction
Purpose of loan:
This loan will be used to... go on vacation
My financial situation:
I am a good candidate for this loan because...
Monthly net income: $2500
Monthly expenses: $471
Housing: $
Insurance: $
Car expenses: $
Utilities: $80
Phone, cable, internet: $50
Food, entertainment: $100
Clothing, household expenses: $
Credit cards and other loans: $
Other expenses: $
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
591647
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:
| Apr-1993 |
Debt/Income ratio:
| 20% |
Credit score:
| 660-679 (May-2012) |
Inquiries last 6m:
| 4 | Employment status: | Employed |
Now delinquent:
| 0 |
Current / open credit lines:
| 21
/
20 | Length of status: | 14y 0m |
Amount delinquent:
| $0 |
Total credit lines:
| 42 |
Occupation: | Professional |
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $71,682 | Stated income: | $100,000+ |
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 89% | | |
| |
Homeownership:
| Yes | | |
Screen name:
| inspired-dedication6 |
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
Debt Consolidation
No description is available.
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
591651
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):
| 4 |
First credit line:
| Mar-2008 |
Debt/Income ratio:
| 7% |
Credit score:
| 660-679 (May-2012) |
Inquiries last 6m:
| 1 | Employment status: | Employed |
Now delinquent:
| 0 |
Current / open credit lines:
| 0
/
0 | Length of status: | 5y 2m |
Amount delinquent:
| $0 |
Total credit lines:
| 3 |
Occupation: | Other |
Public records last 12m / 10y:
| 0/ 1 |
Revolving credit balance:
| $0 | Stated income: | $25,000-$49,999 |
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 0% | | |
| |
Homeownership:
| No | | |
Screen name:
| pikerz |
Borrower's state:
| Ohio |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Description
Business Start Up
Purpose of loan:
This loan will be used to finance upfront expenses for a SEO sales contract. Expenses include high quality promotional documentation, storefront signage, magnetic vehicle sign, business cards, local advertising, storefront signage, and software.
The primary reason for the loan is to secure Prosper as a future source of rapid funding by establishing a favorable payment history, as well as boosting my overall credit rating.
My financial situation:
I am a good candidate for this loan because I do not actually need the money...yet. My business is so far completely self-funded. As I have found out, there is a penalty for being a net saver, and that is a lack of credit. With your help, I'll bite the high interest rate bullet, and clear the way for better interest rates in the future.
About me:
I have 4 years experience as an Operations Manager for a collection agency.
Monthly net income: $2600
Monthly expenses: $900
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
591661
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount:
| $5,000.00 |
Prosper Rating:
| B |
Listing Duration:
| 14 days
|
Minimum Amount to Fund:
| $3,500 |
Estimated loss*:
| 5.65% | | |
Term:
| 36 months | | | | |
|
Lender yield:
| 16.68% |
Borrower rate/APR:
| 17.68% / 21.37% |
Monthly payment:
| $179.96 |
|
Lender servicing fee:
| 1.00% |
Effective Yield*:
| 16.39% | | |
| |
Estimated return*:
| 10.74% | | |
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10):
| 8 |
First credit line:
| Mar-1995 |
Debt/Income ratio:
| 10% |
Credit score:
| 680-699 (May-2012) |
Inquiries last 6m:
| 2 | Employment status: | Employed |
Now delinquent:
| 0 |
Current / open credit lines:
| 4
/
3 | Length of status: | 0y 1m |
Amount delinquent:
| $0 |
Total credit lines:
| 20 |
Occupation: | Computer Programmer |
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $1,402 | Stated income: | $100,000+ |
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 93% | | |
| |
Homeownership:
| No | | |
Screen name:
| focused-gold3 |
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
Funds for medical bills and house
No description is available.
Information in the Description is not verified.