Listing Report:Supplement No. 107 dated Sep 17, 2012 to Prospectus dated Jul 19, 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 Jul 19, 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 Jul 19, 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
616494
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*:
| 6.49% | | |
|
Term:
| 36 months | | | | |
|
|
Lender yield:
| 16.74% |
Borrower rate/APR:
| 17.74% / 21.43% |
Monthly payment:
| $72.04 |
| |
|
Lender servicing fee:
| 1.00% |
Effective Yield*:
| 16.36% | | |
| |
Estimated return*:
| 9.87% | | |
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
|
Prosper score (1-10):
| 4 |
First credit line:
| Aug-1998 |
Debt/Income ratio:
| 41% |
|
Credit score:
| 680-699 (Sep-2012) |
Inquiries last 6m:
| 3 | Employment status: | Employed |
|
Now delinquent:
| 0 |
Current / open credit lines:
| 12
/
10 | Length of status: | 11y 7m |
|
Amount delinquent:
| $0 |
Total credit lines:
| 25 |
Occupation: | Administrative Assi... |
|
Public records last 12m / 10y:
| 0/ 1 |
Revolving credit balance:
| $5,803 | Stated income: | $25,000-$49,999 |
|
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 66% | | |
| | |
Homeownership:
| No | | |
|
Screen name:
| herewegoagain777 |
Borrower's state:
| California |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
| Loan history | Payment history | Credit score history |
|
Active / total loans:
| 0 / 2 |
On-time:
| 36 ( 97% )
| 680-699 (Latest)
|
|
Principal borrowed:
| $5,000.00 | < 31 days late:
| 1
( 3% )
| 640-659
(Jan-2008)
600-619
(Sep-2007)
680-699
(May-2007)
|
|
Principal balance:
| $0.00 |
31+ days late:
| 0
( 0% )
|
|
Total payments billed:
| 37 | | |
Description
Debt consolidation
Purpose of loan: debt consolidation
This loan will be used to...pay off credit cards
My financial situation: good, just want to pay off credit cards,
I am a good candidate for this loan because...always pay on time and responsible
Monthly net income: $2900
Monthly expenses: $400
Housing: $550.00
Insurance: $130.00
Car expenses: $970
Utilities: $0.00
Phone, cable, internet: $0.00
Food, entertainment: $300
Clothing, household expenses: $
Credit cards and other loans: $
Other expenses: $
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
620850
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:
| AA |
Listing Duration:
| 14 days
|
|
Minimum Amount to Fund:
| $3,500 |
Estimated loss*:
| 0.99% | | |
|
Term:
| 60 months | | | | |
|
|
Lender yield:
| 9.71% |
Borrower rate/APR:
| 10.71% / 12.94% |
Monthly payment:
| $107.99 |
| |
|
Lender servicing fee:
| 1.00% |
Effective Yield*:
| 9.70% | | |
| |
Estimated return*:
| 8.71% | | |
* 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:
| Feb-1986 |
Debt/Income ratio:
| 19% |
|
Credit score:
| 800-819 (Sep-2012) |
Inquiries last 6m:
| 0 | Employment status: | Employed |
|
Now delinquent:
| 0 |
Current / open credit lines:
| 10
/
10 | Length of status: | 17y 3m |
|
Amount delinquent:
| $0 |
Total credit lines:
| 21 |
Occupation: | Other |
|
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $4,131 | Stated income: | $25,000-$49,999 |
|
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 10% | | |
| | |
Homeownership:
| No | | |
|
Screen name:
| peace-pillow1 |
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
OTHER
Purpose of loan:
This loan will be used to... TO HELP PAY OFF CHURCH MORTGAGE
My financial situation: IS GOOD. I HAVE BEEN ON MY JOB STEADLY FOR OVER 15 YEARS
I am a good candidate for this loan because... MY CREDIT SCORE SAYS THAT I AM GOOD IN PAYING MY BILLS.
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
624016
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
|
Amount:
| $13,000.00 |
Prosper Rating:
| B |
Listing Duration:
| 14 days
|
|
Minimum Amount to Fund:
| $9,100 |
Estimated loss*:
| 4.49% | | |
|
Term:
| 60 months | | | | |
|
|
Lender yield:
| 17.52% |
Borrower rate/APR:
| 18.52% / 20.93% |
Monthly payment:
| $333.80 |
| |
|
Lender servicing fee:
| 1.00% |
Effective Yield*:
| 17.21% | | |
| |
Estimated return*:
| 12.72% | | |
* 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-2001 |
Debt/Income ratio:
| 22% |
|
Credit score:
| 680-699 (Sep-2012) |
Inquiries last 6m:
| 1 | Employment status: | Employed |
|
Now delinquent:
| 0 |
Current / open credit lines:
| 5
/
5 | Length of status: | 8y 9m |
|
Amount delinquent:
| $0 |
Total credit lines:
| 13 |
Occupation: | Truck Driver |
|
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $11,815 | Stated income: | $50,000-$74,999 |
|
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 72% | | |
| | |
Homeownership:
| Yes | | |
|
Screen name:
| green-methodical-bid5 |
Borrower's state:
| Kentucky |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
| Loan history | Payment history | Credit score history |
|
Active / total loans:
| 0 / 1 |
On-time:
| 6 ( 100% )
| 680-699 (Latest)
|
|
Principal borrowed:
| $10,000.00 | < 31 days late:
| 0
( 0% )
| 640-659
(Mar-2011)
|
|
Principal balance:
| $0.00 |
31+ days late:
| 0
( 0% )
|
|
Total payments billed:
| 6 | | |
Description
Debt consolidation
Purpose of loan:
This loan will be used to...
My financial situation:
I am a good candidate for this loan because...I always pay my bills on time
Monthly net income: $2800
Monthly expenses: $
Housing: $815
Insurance: $
Car expenses: $
Utilities: $300
Phone, cable, internet: $160
Food, entertainment: $400
Clothing, household expenses: $
Credit cards and other loans: $
Other expenses: $
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
633848
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*:
| 9.75% | | |
|
Term:
| 60 months | | | | |
|
|
Lender yield:
| 25.32% |
Borrower rate/APR:
| 26.32% / 28.93% |
Monthly payment:
| $451.95 |
| |
|
Lender servicing fee:
| 1.00% |
Effective Yield*:
| 24.69% | | |
| |
Estimated return*:
| 14.94% | | |
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
|
Prosper score (1-10):
| 2 |
First credit line:
| May-1989 |
Debt/Income ratio:
| Self-employed (DTI Not Calculated) |
|
Credit score:
| 700-719 (Sep-2012) |
Inquiries last 6m:
| 1 | Employment status: | Self-employed |
|
Now delinquent:
| 1 |
Current / open credit lines:
| 9
/
8 | Length of status: | 3y 4m |
|
Amount delinquent:
| $2,786 |
Total credit lines:
| 19 |
Occupation: | Other |
|
Public records last 12m / 10y:
| 0/ 1 |
Revolving credit balance:
| $3,771 | Stated income: | $25,000-$49,999 |
|
Delinquencies in last 7y:
| 6 |
Bankcard utilization:
| 2% | | |
| | |
Homeownership:
| No | | |
|
Screen name:
| power-pagoda2 |
Borrower's state:
| Ohio |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
| Loan history | Payment history | Credit score history |
|
Active / total loans:
| 1 / 1 |
On-time:
| 9 ( 100% )
| 700-719 (Latest)
|
|
Principal borrowed:
| $4,000.00 | < 31 days late:
| 0
( 0% )
| 680-699
(Nov-2011)
700-719
(Oct-2011)
|
|
Principal balance:
| $3,318.20 |
31+ days late:
| 0
( 0% )
|
|
Total payments billed:
| 9 | | |
Description
Business
Purpose of loan:
This loan will be used to...
I need digital photography equipment to leverage my past experience in commercial photography. Adding this to my services for scripting and setting up databases, and web servers will increase my income per client and broaden my customer base.
My financial situation:
I am a good candidate for this loan because...
I took over a low margin labor-intensive family business when a relative passed away, and incurred some personal debt because of an economic slowdown in my area. Prior to becoming involved in the business and since closing it, nearly six years ago, my repayment of credit extended to me has been 100% on time in all cases. I have no legal obligation to any of the vendors, etc. from the debts that I incurred before closing my business. I do feel a moral obligation and expect that after securing some necessary personal requirements I will attend to them.
I am living with and sharing rent and some expenses with my father, the list of expenses below reflect this.
Monthly net income: $3700.00
Monthly expenses: $
Housing: $ 175.00
Insurance: $50.00
Car expenses: $375.00
Utilities: $125.00
Phone, cable, internet: $108.00
Food, entertainment: $395.00
Clothing, household expenses: $145.00
Credit cards and other loans: $920.00
Other expenses: $
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
638326
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
|
Amount:
| $9,000.00 |
Prosper Rating:
| A |
Listing Duration:
| 14 days
|
|
Minimum Amount to Fund:
| $6,300 |
Estimated loss*:
| 2.49% | | |
|
Term:
| 36 months | | | | |
|
|
Lender yield:
| 8.74% |
Borrower rate/APR:
| 9.74% / 12.53% |
Monthly payment:
| $289.31 |
| |
|
Lender servicing fee:
| 1.00% |
Effective Yield*:
| 8.72% | | |
| |
Estimated return*:
| 6.23% | | |
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
|
Prosper score (1-10):
| 8 |
First credit line:
| May-2001 |
Debt/Income ratio:
| 25% |
|
Credit score:
| 720-739 (Sep-2012) |
Inquiries last 6m:
| 0 | Employment status: | Employed |
|
Now delinquent:
| 0 |
Current / open credit lines:
| 11
/
11 | Length of status: | 8y 0m |
|
Amount delinquent:
| $0 |
Total credit lines:
| 21 |
Occupation: | Accountant/CPA |
|
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $4,491 | Stated income: | $50,000-$74,999 |
|
Delinquencies in last 7y:
| 4 |
Bankcard utilization:
| 22% | | |
| | |
Homeownership:
| No | | |
|
Screen name:
| cypher00 |
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% )
| 720-739 (Latest)
|
|
Principal borrowed:
| $3,500.00 | < 31 days late:
| 0
( 0% )
| 760-779
(Jan-2012)
|
|
Principal balance:
| $1,488.03 |
31+ days late:
| 0
( 0% )
|
|
Total payments billed:
| 7 | | |
Description
Debt consolidation
Purpose of loan:
This loan will be used to... Consolidate an old prosper loan and 2 higher rate credit cards into a smaller monthly payment
My financial situation: Income $3700 a month after saving and taxes. current expenses are $2300 a month leaving $1400 a month in free cash.
I am a good candidate for this loan because... The payments will be a small part of my monthly expenses.
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
638910
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*:
| 12.75% | | |
|
Term:
| 12 months | | | | |
|
|
Lender yield:
| 20.41% |
Borrower rate/APR:
| 21.41% / 29.31% |
Monthly payment:
| $373.24 |
| |
|
Lender servicing fee:
| 1.00% |
Effective Yield*:
| 19.50% | | |
| |
Estimated return*:
| 6.75% | | |
* 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):
| 4 |
First credit line:
| Sep-1998 |
Debt/Income ratio:
| 95% |
|
Credit score:
| 660-679 (Sep-2012) |
Inquiries last 6m:
| 1 | Employment status: | Employed |
|
Now delinquent:
| 0 |
Current / open credit lines:
| 12
/
11 | Length of status: | 4y 6m |
|
Amount delinquent:
| $0 |
Total credit lines:
| 19 |
Occupation: | Skilled Labor |
|
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $6,030 | Stated income: | $1-$24,999 |
|
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 44% | | |
| | |
Homeownership:
| No | | |
|
Screen name:
| bonafide-commitment034 |
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
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
639180
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*:
| 14.25% | | |
|
Term:
| 12 months | | | | |
|
|
Lender yield:
| 22.10% |
Borrower rate/APR:
| 23.10% / 31.03% |
Monthly payment:
| $376.50 |
| |
|
Lender servicing fee:
| 1.00% |
Effective Yield*:
| 21.11% | | |
| |
Estimated return*:
| 6.86% | | |
* 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-1999 |
Debt/Income ratio:
| Not calculated |
|
Credit score:
| 720-739 (Sep-2012) |
Inquiries last 6m:
| 0 | Employment status: | Employed |
|
Now delinquent:
| 0 |
Current / open credit lines:
| 20
/
13 | Length of status: | 12y 0m |
|
Amount delinquent:
| $0 |
Total credit lines:
| 29 |
Occupation: | Dentist |
|
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $91,222 | Stated income: | $100,000+ |
|
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 91% | | |
| | |
Homeownership:
| Yes | | |
|
Screen name:
| greenback-frog8 |
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
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
640092
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*:
| 4.74% | | |
|
Term:
| 60 months | | | | |
|
|
Lender yield:
| 17.97% |
Borrower rate/APR:
| 18.97% / 21.39% |
Monthly payment:
| $388.86 |
| |
|
Lender servicing fee:
| 1.00% |
Effective Yield*:
| 17.66% | | |
| |
Estimated return*:
| 12.92% | | |
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
|
Prosper score (1-10):
| 8 |
First credit line:
| Jun-1998 |
Debt/Income ratio:
| 37% |
|
Credit score:
| 720-739 (Sep-2012) |
Inquiries last 6m:
| 0 | Employment status: | Employed |
|
Now delinquent:
| 0 |
Current / open credit lines:
| 12
/
11 | Length of status: | 14y 7m |
|
Amount delinquent:
| $0 |
Total credit lines:
| 24 |
Occupation: | Other |
|
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $32,656 | Stated income: | $75,000-$99,999 |
|
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 59% | | |
| | |
Homeownership:
| Yes | | |
|
Screen name:
| cerebral-fund635 |
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
Debt consolidation
Purpose of loan:
This loan will be used to...pay debts
My financial situation:
I am a good candidate for this loan because...I have a good credit score
Monthly net income: $5,000
Monthly expenses: $3,300.00
Housing: $ 944.00 Insurance: $85.00
Car expenses: $130.00
Utilities: $90.00
Phone, cable, internet: $173.00
Food, entertainment: $300.00
Clothing, household expenses: $100.00
Credit cards and other loans: $1,500.00
Other expenses: $
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
640098
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*:
| 2.49% | | |
|
Term:
| 60 months | | | | |
|
|
Lender yield:
| 12.64% |
Borrower rate/APR:
| 13.64% / 15.94% |
Monthly payment:
| $115.41 |
| |
|
Lender servicing fee:
| 1.00% |
Effective Yield*:
| 12.59% | | |
| |
Estimated return*:
| 10.10% | | |
* 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):
| 8 |
First credit line:
| Jun-1997 |
Debt/Income ratio:
| Not calculated |
|
Credit score:
| 800-819 (Sep-2012) |
Inquiries last 6m:
| 0 | Employment status: | Not employed |
|
Now delinquent:
| 0 |
Current / open credit lines:
| 8
/
7 | Length of status: | 9y 11m |
|
Amount delinquent:
| $0 |
Total credit lines:
| 26 | Stated income: | Not employed |
|
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $993 | |
|
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 14% | | |
| | |
Homeownership:
| No | | |
|
Screen name:
| phenomenal-generosity8 |
Borrower's state:
| Utah |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Description
Household Expenses
Purpose of loan:
This loan will be used to...pay off auto loan and catch up on some household bills.
My financial situation:
I am a good candidate for this loan because...I rarely have late bills.
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
640118
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:
| E |
Listing Duration:
| 14 days
|
|
Minimum Amount to Fund:
| $2,450 |
Estimated loss*:
| 14.75% | | |
|
Term:
| 36 months | | | | |
|
|
Lender yield:
| 28.69% |
Borrower rate/APR:
| 29.69% / 33.67% |
Monthly payment:
| $147.99 |
| |
|
Lender servicing fee:
| 1.00% |
Effective Yield*:
| 27.38% | | |
| |
Estimated return*:
| 12.63% | | |
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
|
Prosper score (1-10):
| 5 |
First credit line:
| Aug-1999 |
Debt/Income ratio:
| 18% |
|
Credit score:
| 740-759 (Sep-2012) |
Inquiries last 6m:
| 1 | Employment status: | Employed |
|
Now delinquent:
| 0 |
Current / open credit lines:
| 8
/
6 | Length of status: | 11y 0m |
|
Amount delinquent:
| $0 |
Total credit lines:
| 13 |
Occupation: | Professional |
|
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $4,491 | Stated income: | $50,000-$74,999 |
|
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 100% | | |
| | |
Homeownership:
| Yes | | |
|
Screen name:
| plane239 |
Borrower's state:
| California |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Description
Debt consolidation
Purpose of loan:
This loan will be used to pay off my auto loan, I am very close to paying it off and have never been late once. My payment is just under $455 a month, and only have 3 payments remaining. I will also use it to pay off an escrow account in which I pay $466 a month, this account has 5 payments remaining and a balance of around 2100.
My financial situation:
I am a good candidate for this loan because I have a stable job in a stable company which I have been with for 8 years now. I purchased a homes recently and the cost of it has set me back quite a bit. My priority every month is to pay my mortgage and I am now at the point where this loan will help me avoid in being late on some of my other payments. I pay around $900 a month for my auto and escrow accounts combined. If I am funded with this loan I will pay these off now, and this would allow me to pay it back in a more manageable time frame and help me out with some of my other expenses.
Monthly net income: $3455
Monthly expenses: $3362
Housing: $1414
Insurance: $125
Car expenses: $650
Utilities: $150
Phone, cable, internet: $120
Food, entertainment: $150
Clothing, household expenses: $
Credit cards and other loans: $250
Other expenses: $466 (escrow)
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
640134
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:
| B |
Listing Duration:
| 14 days
|
|
Minimum Amount to Fund:
| $20,000 |
Estimated loss*:
| 5.49% | | |
|
Term:
| 60 months | | | | |
|
|
Lender yield:
| 19.39% |
Borrower rate/APR:
| 20.39% / 22.85% |
Monthly payment:
| $534.23 |
| |
|
Lender servicing fee:
| 1.00% |
Effective Yield*:
| 19.05% | | |
| |
Estimated return*:
| 13.56% | | |
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
|
Prosper score (1-10):
| 8 |
First credit line:
| Apr-1990 |
Debt/Income ratio:
| 28% |
|
Credit score:
| 740-759 (Sep-2012) |
Inquiries last 6m:
| 0 | Employment status: | Employed |
|
Now delinquent:
| 0 |
Current / open credit lines:
| 21
/
19 | Length of status: | 6y 2m |
|
Amount delinquent:
| $0 |
Total credit lines:
| 55 |
Occupation: | Other |
|
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $19,577 | Stated income: | $75,000-$99,999 |
|
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 60% | | |
| | |
Homeownership:
| Yes | | |
|
Screen name:
| dime-saguaro7 |
Borrower's state:
| Arizona |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Description
Business
Purpose of loan:
This loan will be used to...Purchase an investment property
My financial situation:
I am a good candidate for this loan because I have great credit and I have over 15 years of Property Management experience. I have experience in job costing budget management, building maintenance and construction
Monthly net income: $5500
Monthly expenses: $3500
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
640220
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
|
Amount:
| $9,000.00 |
Prosper Rating:
| C |
Listing Duration:
| 14 days
|
|
Minimum Amount to Fund:
| $9,000 |
Estimated loss*:
| 6.49% | | |
|
Term:
| 36 months | | | | |
|
|
Lender yield:
| 16.74% |
Borrower rate/APR:
| 17.74% / 21.43% |
Monthly payment:
| $324.20 |
| |
|
Lender servicing fee:
| 1.00% |
Effective Yield*:
| 16.36% | | |
| |
Estimated return*:
| 9.87% | | |
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
|
Prosper score (1-10):
| 8 |
First credit line:
| Mar-2003 |
Debt/Income ratio:
| 22% |
|
Credit score:
| 700-719 (Sep-2012) |
Inquiries last 6m:
| 0 | Employment status: | Employed |
|
Now delinquent:
| 0 |
Current / open credit lines:
| 6
/
6 | Length of status: | 5y 7m |
|
Amount delinquent:
| $0 |
Total credit lines:
| 10 |
Occupation: | Food Service Manage... |
|
Public records last 12m / 10y:
| 0/ 1 |
Revolving credit balance:
| $1,985 | Stated income: | $50,000-$74,999 |
|
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 12% | | |
| | |
Homeownership:
| No | | |
|
Screen name:
| extraordinary-dollar7 |
Borrower's state:
| Alaska |
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
Fathers Debt Consolidation
Purpose of loan: To pay off Father 24% interest credit card and loans.
This loan will be used to...Pay off higher interest credit cards and loans
My financial situation: I run two Chicago Style restaurants full time, I have a part-time night time cleaning business that was started 6 months ago.
I am a good candidate for this loan because... Because I am very good handling money. I haven't been late on anything in over 3 years. I would love to be able to help my Dad get better with his money. Right now he pays over $650 in cards in loans at 24%. This will help him pay down the debt 50% quicker.
I will have my father pay this off but for any reason he can not I will make sure all payment are made on time. After all my obligations I am left with a surplus of $1000 a month that I save or invest.
Monthly net income: $2882
Monthly expenses: $200
Housing: $350
Insurance: $75
Car expenses: $345
Utilities: $55
Phone, cable, internet: $220
Food, entertainment: $100
Clothing, household expenses: $100
Credit cards and other loans: $0
Other expenses: $250
Total: 1695
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
640316
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
|
Amount:
| $2,000.00 |
Prosper Rating:
| D |
Listing Duration:
| 14 days
|
|
Minimum Amount to Fund:
| $2,000 |
Estimated loss*:
| 11.75% | | |
|
Term:
| 36 months | | | | |
|
|
Lender yield:
| 24.24% |
Borrower rate/APR:
| 25.24% / 29.11% |
Monthly payment:
| $79.77 |
| |
|
Lender servicing fee:
| 1.00% |
Effective Yield*:
| 23.64% | | |
| |
Estimated return*:
| 11.89% | | |
* 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:
| May-1989 |
Debt/Income ratio:
| 1% |
|
Credit score:
| 640-659 (Sep-2012) |
Inquiries last 6m:
| 3 | Employment status: | Employed |
|
Now delinquent:
| 1 |
Current / open credit lines:
| 2
/
3 | Length of status: | 23y 8m |
|
Amount delinquent:
| $1,743 |
Total credit lines:
| 36 |
Occupation: | Truck Driver |
|
Public records last 12m / 10y:
| 0/ 1 |
Revolving credit balance:
| $461 | Stated income: | $75,000-$99,999 |
|
Delinquencies in last 7y:
| 6 |
Bankcard utilization:
| 25% | | |
| | |
Homeownership:
| Yes | | |
|
Screen name:
| top-encouraging-bid |
Borrower's state:
| Maryland |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Description
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
640744
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*:
| 11.25% | | |
|
Term:
| 36 months | | | | |
|
|
Lender yield:
| 23.49% |
Borrower rate/APR:
| 24.49% / 28.34% |
Monthly payment:
| $197.45 |
| |
|
Lender servicing fee:
| 1.00% |
Effective Yield*:
| 22.91% | | |
| |
Estimated return*:
| 11.66% | | |
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
|
Prosper score (1-10):
| 7 |
First credit line:
| Sep-2006 |
Debt/Income ratio:
| 22% |
|
Credit score:
| 660-679 (Aug-2012) |
Inquiries last 6m:
| 0 | Employment status: | Employed |
|
Now delinquent:
| 0 |
Current / open credit lines:
| 10
/
10 | Length of status: | 1y 7m |
|
Amount delinquent:
| $0 |
Total credit lines:
| 16 |
Occupation: | Nurse (LPN) |
|
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $3,829 | Stated income: | $50,000-$74,999 |
|
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 68% | | |
| | |
Homeownership:
| No | | |
|
Screen name:
| community-bluebird1 |
Borrower's state:
| Maryland |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Description
Debt consolidation
Purpose of loan: debt consolidation
This loan will be used to..pay off credit card and other loan.
My financial situation:
I am a good candidate for this loan because...I need to pay loan and credit card,
Monthly net income: $3000
Monthly expenses: $1900
Housing: $650
Insurance: $200
Car expenses: $400
Utilities: $150
Phone, cable, internet: $200
Food, entertainment: $200
Clothing, household expenses: $200
Credit cards and other loans: $5000
Other expenses: $200
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
631273
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*:
| 4.49% | | |
|
Term:
| 60 months | | | | |
|
|
Lender yield:
| 17.52% |
Borrower rate/APR:
| 18.52% / 20.93% |
Monthly payment:
| $154.06 |
| |
|
Lender servicing fee:
| 1.00% |
Effective Yield*:
| 17.21% | | |
| |
Estimated return*:
| 12.72% | | |
* 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-1989 |
Debt/Income ratio:
| 21% |
|
Credit score:
| 620-639 (Aug-2012) |
Inquiries last 6m:
| 0 | Employment status: | Employed |
|
Now delinquent:
| 0 |
Current / open credit lines:
| 9
/
9 | Length of status: | 3y 0m |
|
Amount delinquent:
| $0 |
Total credit lines:
| 38 |
Occupation: | Executive |
|
Public records last 12m / 10y:
| 0/ 1 |
Revolving credit balance:
| $6,148 | Stated income: | $50,000-$74,999 |
|
Delinquencies in last 7y:
| 28 |
Bankcard utilization:
| 17% | | |
| | |
Homeownership:
| No | | |
|
Screen name:
| orange-sublime-social |
Borrower's state:
| NewYork |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
| Loan history | Payment history | Credit score history |
|
Active / total loans:
| 1 / 1 |
On-time:
| 10 ( 100% )
| 620-639 (Latest)
|
|
Principal borrowed:
| $4,500.00 | < 31 days late:
| 0
( 0% )
| 640-659
(Oct-2011)
|
|
Principal balance:
| $3,577.29 |
31+ days late:
| 0
( 0% )
|
|
Total payments billed:
| 10 | | |
Description
Debt consolidation
Purpose of loan:
This loan will be used to pay off all revolving credit balances and close some of the existing accounts.
My financial situation:
I am a good candidate for this loan because: I am very responsible family person who takes his obligations very seriously and will always display a strong work ethic and strive daily to improve my life.
Monthly net income: 4200.00
Monthly expenses: $
Housing: 1800.
Insurance: 150.
Car expenses: 350.
Utilities: 150.
Phone, cable, internet: 99.
Food, entertainment: 275
Clothing, household expenses: $
Credit cards and other loans: 375.00
Other expenses: $
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
636107
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*:
| 16.75% | | |
|
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*:
| 12.21% | | |
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
|
Prosper score (1-10):
| 5 |
First credit line:
| Jun-2000 |
Debt/Income ratio:
| 19% |
|
Credit score:
| 680-699 (Sep-2012) |
Inquiries last 6m:
| 2 | Employment status: | Employed |
|
Now delinquent:
| 0 |
Current / open credit lines:
| 14
/
13 | Length of status: | 10y 1m |
|
Amount delinquent:
| $0 |
Total credit lines:
| 38 |
Occupation: | Professional |
|
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $216,807 | Stated income: | $100,000+ |
|
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 94% | | |
| | |
Homeownership:
| Yes | | |
|
Screen name:
| soulful-wampum8 |
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
Taxes
Purpose of loan:
This loan will be used to... pay taxes
My financial situation: is steady
I am a good candidate for this loan because... my credit score is good
Monthly net income: $10,000
Monthly expenses: $7,500
Housing: $2500
Insurance: $200
Car expenses: $1000
Utilities: $500
Phone, cable, internet: $200
Food, entertainment: $800
Clothing, household expenses: $500
Credit cards and other loans: $3000
Other expenses: $1500
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
638315
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:
| E |
Listing Duration:
| 14 days
|
|
Minimum Amount to Fund:
| $2,450 |
Estimated loss*:
| 14.25% | | |
|
Term:
| 36 months | | | | |
|
|
Lender yield:
| 28.09% |
Borrower rate/APR:
| 29.09% / 33.05% |
Monthly payment:
| $146.84 |
| |
|
Lender servicing fee:
| 1.00% |
Effective Yield*:
| 26.81% | | |
| |
Estimated return*:
| 12.56% | | |
* 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-1995 |
Debt/Income ratio:
| 5% |
|
Credit score:
| 660-679 (Sep-2012) |
Inquiries last 6m:
| 1 | Employment status: | Other |
|
Now delinquent:
| 0 |
Current / open credit lines:
| 13
/
11 | Length of status: | 2y 8m |
|
Amount delinquent:
| $0 |
Total credit lines:
| 42 |
Occupation: | Other |
|
Public records last 12m / 10y:
| 0/ 1 |
Revolving credit balance:
| $40,239 | Stated income: | $100,000+ |
|
Delinquencies in last 7y:
| 4 |
Bankcard utilization:
| 97% | | |
| | |
Homeownership:
| Yes | | |
|
Screen name:
| towering-coin558 |
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
Medical/Dental
Purpose of loan:
This loan will be used to...
My financial situation:
I am a good candidate for this loan because...
I have guaranteed monthly income and I will make on time payments and I promise to pay off the loan in at least half the allotted time!! I'm just begging for the chance to show you what a perfect consumer I will be!!! Thx!
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
638781
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
|
Amount:
| $2,000.00 |
Prosper Rating:
| D |
Listing Duration:
| 14 days
|
|
Minimum Amount to Fund:
| $2,000 |
Estimated loss*:
| 11.25% | | |
|
Term:
| 36 months | | | | |
|
|
Lender yield:
| 23.49% |
Borrower rate/APR:
| 24.49% / 28.34% |
Monthly payment:
| $78.98 |
| |
|
Lender servicing fee:
| 1.00% |
Effective Yield*:
| 22.91% | | |
| |
Estimated return*:
| 11.66% | | |
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
|
Prosper score (1-10):
| 7 |
First credit line:
| May-2000 |
Debt/Income ratio:
| 27% |
|
Credit score:
| 660-679 (Sep-2012) |
Inquiries last 6m:
| 0 | Employment status: | Employed |
|
Now delinquent:
| 0 |
Current / open credit lines:
| 14
/
10 | Length of status: | 4y 1m |
|
Amount delinquent:
| $0 |
Total credit lines:
| 25 |
Occupation: | Food Service |
|
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $6,543 | Stated income: | $1-$24,999 |
|
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 42% | | |
| | |
Homeownership:
| No | | |
|
Screen name:
| subtle-velocity6 |
Borrower's state:
| Texas |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Description
Debt consolidation
Purpose of loan:
This loan will be used to...Pay bills
My financial situation:
I am a good candidate for this loan because...long record of on time payments
Monthly net income: $1700
Monthly expenses: $
Housing: $515
Insurance: $60
Car expenses: $75-125
Utilities: $46
Phone, cable, internet: $70
Food, entertainment: $ Meals supplied at work.
Clothing, household expenses: $25
Credit cards and other loans: $200
Other expenses: $50
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
639755
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*:
| 14.75% | | |
|
Term:
| 36 months | | | | |
|
|
Lender yield:
| 28.69% |
Borrower rate/APR:
| 29.69% / 33.67% |
Monthly payment:
| $169.13 |
| |
|
Lender servicing fee:
| 1.00% |
Effective Yield*:
| 27.38% | | |
| |
Estimated return*:
| 12.63% | | |
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
|
Prosper score (1-10):
| 5 |
First credit line:
| Aug-1978 |
Debt/Income ratio:
| Self-employed (DTI Not Calculated) |
|
Credit score:
| 720-739 (Sep-2012) |
Inquiries last 6m:
| 1 | Employment status: | Self-employed |
|
Now delinquent:
| 0 |
Current / open credit lines:
| 14
/
14 | Length of status: | 12y 8m |
|
Amount delinquent:
| $0 |
Total credit lines:
| 19 |
Occupation: | Sales - Commission |
|
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $52,073 | Stated income: | $1-$24,999 |
|
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 47% | | |
| | |
Homeownership:
| No | | |
|
Screen name:
| hopeful-loan9 |
Borrower's state:
| Florida |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Description
Debt consolidation
Purpose of loan:
This loan will be used to...debt consolidation and some business expense
My financial situation:
I am a good candidate for this loan because...I have a business selling on Ebay and Amazon
http://stores.ebay.com/Watch-the-Time-variety-store | http://astore.amazon.com/cado-20
Monthly net income: $
Monthly expenses: $4,000
Housing: $700
Insurance: $
Car expenses: $125
Utilities: $56
Phone, cable, internet: $80
Food, entertainment: $
Clothing, household expenses: $
Credit cards and other loans: $
Other expenses: $
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
639861
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
|
Amount:
| $3,000.00 |
Prosper Rating:
| D |
Listing Duration:
| 14 days
|
|
Minimum Amount to Fund:
| $2,100 |
Estimated loss*:
| 11.25% | | |
|
Term:
| 36 months | | | | |
|
|
Lender yield:
| 23.49% |
Borrower rate/APR:
| 24.49% / 28.34% |
Monthly payment:
| $118.47 |
| |
|
Lender servicing fee:
| 1.00% |
Effective Yield*:
| 22.91% | | |
| |
Estimated return*:
| 11.66% | | |
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
|
Prosper score (1-10):
| 7 |
First credit line:
| Feb-2001 |
Debt/Income ratio:
| 13% |
|
Credit score:
| 660-679 (Sep-2012) |
Inquiries last 6m:
| 0 | Employment status: | Employed |
|
Now delinquent:
| 0 |
Current / open credit lines:
| 6
/
6 | Length of status: | 15y 10m |
|
Amount delinquent:
| $0 |
Total credit lines:
| 23 |
Occupation: | Military Enlisted |
|
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $6,202 | Stated income: | $50,000-$74,999 |
|
Delinquencies in last 7y:
| 3 |
Bankcard utilization:
| 97% | | |
| | |
Homeownership:
| No | | |
|
Screen name:
| fervent-gold459 |
Borrower's state:
| Massachusetts |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Description
Engagement Ring Financing
Purpose of loan:
Purchase an engagement ring
My financial situation:
Comfortable, The few bills I have are manageable and I have not gotten myself in too deep with lenders.
Monthly net income: $ 4440.00
Monthly expenses: $ See breakdown below
Housing: $450.00
Insurance: $94.00
Car expenses: $330.00
Utilities: $75.00
Phone, cable, internet: $80.00
Food, entertainment: $ 200.00
Clothing, household expenses: $ n/a
Credit cards and other loans: $ 200.00
Other expenses: $n/a
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
640109
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:
| $4,750.00 |
Prosper Rating:
| A |
Listing Duration:
| 14 days
|
|
Minimum Amount to Fund:
| $4,750 |
Estimated loss*:
| 2.99% | | |
|
Term:
| 60 months | | | | |
|
|
Lender yield:
| 13.86% |
Borrower rate/APR:
| 14.86% / 17.18% |
Monthly payment:
| $112.65 |
| |
|
Lender servicing fee:
| 1.00% |
Effective Yield*:
| 13.81% | | |
| |
Estimated return*:
| 10.82% | | |
* 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-1990 |
Debt/Income ratio:
| 12% |
|
Credit score:
| 680-699 (Sep-2012) |
Inquiries last 6m:
| 1 | Employment status: | Employed |
|
Now delinquent:
| 0 |
Current / open credit lines:
| 9
/
9 | Length of status: | 15y 1m |
|
Amount delinquent:
| $0 |
Total credit lines:
| 23 |
Occupation: | Skilled Labor |
|
Public records last 12m / 10y:
| 0/ 2 |
Revolving credit balance:
| $22,590 | Stated income: | $75,000-$99,999 |
|
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 64% | | |
| | |
Homeownership:
| Yes | | |
|
Screen name:
| silver-secret-agent8 |
Borrower's state:
| NewYork |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
| Loan history | Payment history | Credit score history |
|
Active / total loans:
| 0 / 1 |
On-time:
| 2 ( 100% )
| 680-699 (Latest)
|
|
Principal borrowed:
| $5,000.00 | < 31 days late:
| 0
( 0% )
| 700-719
(Apr-2012)
640-659
(Feb-2012)
680-699
(Jan-2012)
|
|
Principal balance:
| $0.00 |
31+ days late:
| 0
( 0% )
|
|
Total payments billed:
| 2 | | |
Description
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
640113
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
|
Amount:
| $9,500.00 |
Prosper Rating:
| D |
Listing Duration:
| 14 days
|
|
Minimum Amount to Fund:
| $6,650 |
Estimated loss*:
| 9.25% | | |
|
Term:
| 60 months | | | | |
|
|
Lender yield:
| 24.73% |
Borrower rate/APR:
| 25.73% / 28.32% |
Monthly payment:
| $282.92 |
| |
|
Lender servicing fee:
| 1.00% |
Effective Yield*:
| 24.12% | | |
| |
Estimated return*:
| 14.87% | | |
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
|
Prosper score (1-10):
| 6 |
First credit line:
| May-1989 |
Debt/Income ratio:
| 11% |
|
Credit score:
| 740-759 (Sep-2012) |
Inquiries last 6m:
| 3 | Employment status: | Employed |
|
Now delinquent:
| 0 |
Current / open credit lines:
| 2
/
2 | Length of status: | 10y 1m |
|
Amount delinquent:
| $0 |
Total credit lines:
| 2 |
Occupation: | Clerical |
|
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $6,518 | Stated income: | $25,000-$49,999 |
|
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 24% | | |
| | |
Homeownership:
| No | | |
|
Screen name:
| peace-universe7 |
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 improvement
Purpose of loan: Home renovations
This loan will be used to... repair rental property
My financial situation: fair
I am a good candidate for this loan because... It's my investment
Monthly net income: $ 3200
Monthly expenses: $ 1000
Housing: $ 730
Insurance: $ NA
Car expenses: $ NA
Utilities: $ 45
Phone, cable, internet: $ 110
Food, entertainment: $ NA
Clothing, household expenses: $
Credit cards and other loans: $
Other expenses: $
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
640139
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*:
| 16.75% | | |
|
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*:
| 12.21% | | |
* 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-2001 |
Debt/Income ratio:
| Self-employed (DTI Not Calculated) |
|
Credit score:
| 660-679 (Sep-2012) |
Inquiries last 6m:
| 0 | Employment status: | Self-employed |
|
Now delinquent:
| 0 |
Current / open credit lines:
| 4
/
4 | Length of status: | 0y 8m |
|
Amount delinquent:
| $0 |
Total credit lines:
| 14 |
Occupation: | Nurse's Aide |
|
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $8,117 | Stated income: | $1-$24,999 |
|
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 86% | | |
| | |
Homeownership:
| No | | |
|
Screen name:
| deal-buffalo5 |
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
Other
Purpose of loan: Personal
This loan will be used to purchase a Mobile Home
My financial situation: Good
I am a good candidate for this loan because I have secure employment and my expenses are very low.
Monthly net income: $ 1000.00
Monthly expenses: $ 325.00
Housing: $0
Insurance: $0
Car expenses: $ 150.00
Utilities: $0
Phone, cable, internet: $0
Food, entertainment: $100.00
Clothing, household expenses: $25.00
Credit cards and other loans: $50.00
Other expenses: $0
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
640167
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
|
Amount:
| $10,000.00 |
Prosper Rating:
| B |
Listing Duration:
| 14 days
|
|
Minimum Amount to Fund:
| $7,000 |
Estimated loss*:
| 5.99% | | |
|
Term:
| 12 months | | | | |
|
|
Lender yield:
| 11.79% |
Borrower rate/APR:
| 12.79% / 18.53% |
Monthly payment:
| $892.19 |
| |
|
Lender servicing fee:
| 1.00% |
Effective Yield*:
| 11.60% | | |
| |
Estimated return*:
| 5.61% | | |
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
|
Prosper score (1-10):
| 4 |
First credit line:
| Dec-1997 |
Debt/Income ratio:
| 45% |
|
Credit score:
| 680-699 (Sep-2012) |
Inquiries last 6m:
| 1 | Employment status: | Employed |
|
Now delinquent:
| 0 |
Current / open credit lines:
| 12
/
9 | Length of status: | 4y 1m |
|
Amount delinquent:
| $0 |
Total credit lines:
| 38 |
Occupation: | Accountant/CPA |
|
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $25,342 | Stated income: | $50,000-$74,999 |
|
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 91% | | |
| | |
Homeownership:
| No | | |
|
Screen name:
| Supersasha |
Borrower's state:
| California |
Borrower's group:
| Small Business & Self Employed |
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
| Loan history | Payment history | Credit score history |
|
Active / total loans:
| 0 / 1 |
On-time:
| 35 ( 100% )
| 680-699 (Latest)
|
|
Principal borrowed:
| $10,000.00 | < 31 days late:
| 0
( 0% )
| 640-659
(Mar-2008)
660-679
(Mar-2007)
|
|
Principal balance:
| $0.00 |
31+ days late:
| 0
( 0% )
|
|
Total payments billed:
| 35 | | |
Description
Debt consolidation
Purpose of loan:
This loan will be used to pay off credit card debt, which accumulated while out of work and was helping parent with mortgage. The $10,000 would help get me over a higher interest rate "hump" and put me on the fast track to paying my bills quicker. I am saving to buy a house, after my debts are paid.
My financial situation:
I am a good candidate for this loan because I am an excellent payer.
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
640197
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*:
| 16.75% | | |
|
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*:
| 12.21% | | |
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
|
Prosper score (1-10):
| 4 |
First credit line:
| Apr-1991 |
Debt/Income ratio:
| 33% |
|
Credit score:
| 660-679 (Sep-2012) |
Inquiries last 6m:
| 2 | Employment status: | Other |
|
Now delinquent:
| 0 |
Current / open credit lines:
| 7
/
7 | Length of status: | 23y 0m |
|
Amount delinquent:
| $0 |
Total credit lines:
| 40 |
Occupation: | Other |
|
Public records last 12m / 10y:
| 0/ 1 |
Revolving credit balance:
| $1,885 | Stated income: | $1-$24,999 |
|
Delinquencies in last 7y:
| 8 |
Bankcard utilization:
| 26% | | |
| | |
Homeownership:
| No | | |
|
Screen name:
| capital-spark8 |
Borrower's state:
| Alabama |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Description
Home improvement
Purpose of loan:
This loan will be used to...
update/remodel kitchen and some plumbing repairs
My financial situation:
I am a good candidate for this loan because...
I pay my bills on time and am never late; I am very budget conscious and will pay back every cent I am loaned.
Monthly net income: $1982.00
Monthly expenses: $1,298.00
Housing: $420.00
Insurance: $71.12
Car expenses: $none
Utilities: $140.00
Phone, cable, internet: $117.00
Food, entertainment: $150.00
Clothing, household expenses: $50.00
Credit cards and other loans: $350.00
Other expenses: 0
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
640211
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*:
| 9.25% | | |
|
Term:
| 36 months | | | | |
|
|
Lender yield:
| 20.99% |
Borrower rate/APR:
| 21.99% / 25.78% |
Monthly payment:
| $572.78 |
| |
|
Lender servicing fee:
| 1.00% |
Effective Yield*:
| 20.48% | | |
| |
Estimated return*:
| 11.23% | | |
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
|
Prosper score (1-10):
| 6 |
First credit line:
| Apr-1994 |
Debt/Income ratio:
| 43% |
|
Credit score:
| 720-739 (Sep-2012) |
Inquiries last 6m:
| 2 | Employment status: | Employed |
|
Now delinquent:
| 0 |
Current / open credit lines:
| 7
/
7 | Length of status: | 2y 1m |
|
Amount delinquent:
| $0 |
Total credit lines:
| 13 |
Occupation: | Other |
|
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $5,624 | Stated income: | $25,000-$49,999 |
|
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 22% | | |
| | |
Homeownership:
| Yes | | |
|
Screen name:
| dough-locomotive |
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
Seeking loan for real estate invest
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
640217
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*:
| 16.25% | | |
|
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*:
| 12.71% | | |
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
|
Prosper score (1-10):
| 3 |
First credit line:
| Jun-1997 |
Debt/Income ratio:
| 17% |
|
Credit score:
| 700-719 (Sep-2012) |
Inquiries last 6m:
| 3 | Employment status: | Employed |
|
Now delinquent:
| 0 |
Current / open credit lines:
| 17
/
16 | Length of status: | 5y 6m |
|
Amount delinquent:
| $0 |
Total credit lines:
| 38 |
Occupation: | Construction |
|
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $135,162 | Stated income: | $100,000+ |
|
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 98% | | |
| | |
Homeownership:
| Yes | | |
|
Screen name:
| brightest-sweet-platinum |
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
Household Expenses
Purpose of loan:
This loan will be used for general home and child expenses.
My financial situation:
I am a good candidate for this loan because I've never been a payment and don't intend to. In the spring i will receive a substantial commission check that is above and beyond my $114,00 salary. This is effectively a bridge loan until that commission check arrives. You may also see a 2nd mortgage on my credit report. That is a rental property which we own which cash flows itself each month and has been rented solidly for 3 years. I have a rental extention with the current tenant for another year.
Monthly net income: $9,500
Monthly expenses: approx. $7000
Housing: $2,500
Insurance: $300
Car expenses: $600
Utilities: $300
Phone, cable, internet: $300
Food, entertainment: $800
Clothing, household expenses: $300
Credit cards and other loans: $1200
Other expenses: $700
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
640241
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
|
Amount:
| $11,500.00 |
Prosper Rating:
| D |
Listing Duration:
| 14 days
|
|
Minimum Amount to Fund:
| $8,050 |
Estimated loss*:
| 9.75% | | |
|
Term:
| 60 months | | | | |
|
|
Lender yield:
| 25.32% |
Borrower rate/APR:
| 26.32% / 28.93% |
Monthly payment:
| $346.50 |
| |
|
Lender servicing fee:
| 1.00% |
Effective Yield*:
| 24.69% | | |
| |
Estimated return*:
| 14.94% | | |
* 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-1994 |
Debt/Income ratio:
| 81% |
|
Credit score:
| 640-659 (Sep-2012) |
Inquiries last 6m:
| 1 | Employment status: | Employed |
|
Now delinquent:
| 0 |
Current / open credit lines:
| 10
/
7 | Length of status: | 22y 9m |
|
Amount delinquent:
| $0 |
Total credit lines:
| 20 |
Occupation: | Nurse (LPN) |
|
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $2,845 | Stated income: | $1-$24,999 |
|
Delinquencies in last 7y:
| 4 |
Bankcard utilization:
| 66% | | |
| | |
Homeownership:
| No | | |
|
Screen name:
| credible-durability37 |
Borrower's state:
| Missouri |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
| Loan history | Payment history | Credit score history |
|
Active / total loans:
| 0 / 1 |
On-time:
| 2 ( 100% )
| 640-659 (Latest)
|
|
Principal borrowed:
| $7,500.00 | < 31 days late:
| 0
( 0% )
| 680-699
(Oct-2011)
|
|
Principal balance:
| $0.00 |
31+ days late:
| 0
( 0% )
|
|
Total payments billed:
| 2 | | |
Description
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
640245
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*:
| 13.25% | | |
|
Term:
| 12 months | | | | |
|
|
Lender yield:
| 20.99% |
Borrower rate/APR:
| 21.99% / 29.90% |
Monthly payment:
| $374.36 |
| |
|
Lender servicing fee:
| 1.00% |
Effective Yield*:
| 20.05% | | |
| |
Estimated return*:
| 6.80% | | |
* 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):
| 8 |
First credit line:
| Sep-1994 |
Debt/Income ratio:
| 10% |
|
Credit score:
| 640-659 (Sep-2012) |
Inquiries last 6m:
| 1 | Employment status: | Employed |
|
Now delinquent:
| 0 |
Current / open credit lines:
| 4
/
4 | Length of status: | 4y 4m |
|
Amount delinquent:
| $0 |
Total credit lines:
| 38 |
Occupation: | Computer Programmer |
|
Public records last 12m / 10y:
| 0/ 1 |
Revolving credit balance:
| $1,556 | Stated income: | $100,000+ |
|
Delinquencies in last 7y:
| 26 |
Bankcard utilization:
| 88% | | |
| | |
Homeownership:
| No | | |
|
Screen name:
| orange-economy-fighter |
Borrower's state:
| Florida |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Description
Need 4k, can payback within month
Purpose of loan: 401K loan payoff
This loan will be used to... Payoff balance of a 401K loan. 10 days after that, I'll be eligible to borrow again against my 401K and I'll be able to pay this back.
My financial situation: Make over 100k yearly without many bills.
I am a good candidate for this loan because... My 401k loan is not subject to approval so it's a guarantee I'll be able to get it. I'll use some of that money to pay back this loan fully.
Monthly net income: $6100
Monthly expenses: $3110
Housing: $1150
Insurance: $80
Car expenses: $200
Utilities: $300
Phone, cable, internet: $300
Food, entertainment: $600
Clothing, household expenses: $0
Credit cards and other loans: $480
Other expenses: $0
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
640257
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
|
Amount:
| $7,000.00 |
Prosper Rating:
| D |
Listing Duration:
| 14 days
|
|
Minimum Amount to Fund:
| $4,900 |
Estimated loss*:
| 11.75% | | |
|
Term:
| 60 months | | | | |
|
|
Lender yield:
| 27.67% |
Borrower rate/APR:
| 28.67% / 31.34% |
Monthly payment:
| $220.79 |
| |
|
Lender servicing fee:
| 1.00% |
Effective Yield*:
| 26.98% | | |
| |
Estimated return*:
| 15.23% | | |
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
|
Prosper score (1-10):
| 7 |
First credit line:
| Apr-2002 |
Debt/Income ratio:
| 21% |
|
Credit score:
| 640-659 (Sep-2012) |
Inquiries last 6m:
| 1 | Employment status: | Employed |
|
Now delinquent:
| 0 |
Current / open credit lines:
| 5
/
5 | Length of status: | 1y 7m |
|
Amount delinquent:
| $0 |
Total credit lines:
| 14 |
Occupation: | Retail Management |
|
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $46,451 | Stated income: | $25,000-$49,999 |
|
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 82% | | |
| | |
Homeownership:
| No | | |
|
Screen name:
| penny-scout |
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 consolidation
Purpose of loan:
This loan will be used to... pay off car
My financial situation:
I am a good candidate for this loan because...
always pay my bills on time and life by my means
Monthly net income: $3000
Monthly expenses: $1700
Housing: $400
Insurance: $100
Car expenses: $250
Utilities: $
Phone, cable, internet: $0
Food, entertainment: $400
Clothing, household expenses: $150
Credit cards and other loans: $250
Other expenses: $
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
640263
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
|
Amount:
| $14,000.00 |
Prosper Rating:
| C |
Listing Duration:
| 14 days
|
|
Minimum Amount to Fund:
| $9,800 |
Estimated loss*:
| 6.24% | | |
|
Term:
| 60 months | | | | |
|
|
Lender yield:
| 20.81% |
Borrower rate/APR:
| 21.81% / 24.30% |
Monthly payment:
| $385.15 |
| |
|
Lender servicing fee:
| 1.00% |
Effective Yield*:
| 20.32% | | |
| |
Estimated return*:
| 14.08% | | |
* 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:
| Feb-1996 |
Debt/Income ratio:
| Self-employed (DTI Not Calculated) |
|
Credit score:
| 700-719 (Sep-2012) |
Inquiries last 6m:
| 1 | Employment status: | Self-employed |
|
Now delinquent:
| 3 |
Current / open credit lines:
| 6
/
6 | Length of status: | 6y 3m |
|
Amount delinquent:
| $2,500 |
Total credit lines:
| 26 |
Occupation: | Doctor |
|
Public records last 12m / 10y:
| 1/ 7 |
Revolving credit balance:
| $2,627 | Stated income: | $75,000-$99,999 |
|
Delinquencies in last 7y:
| 7 |
Bankcard utilization:
| 45% | | |
| | |
Homeownership:
| No | | |
|
Screen name:
| jgospoda |
Borrower's state:
| Wisconsin |
Borrower's group:
| 440+ Supporting Lenders. Get FUNDED @ LOWER % than ANY group |
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:
| 12 ( 100% )
| 700-719 (Latest)
|
|
Principal borrowed:
| $7,500.00 | < 31 days late:
| 0
( 0% )
| 660-679
(Aug-2011)
580-599
(Nov-2006)
|
|
Principal balance:
| $5,741.19 |
31+ days late:
| 0
( 0% )
|
|
Total payments billed:
| 12 | | |
Description
Debt consolidation
Purpose of loan: Consolidate 1 loan and a few small credit card balances, plus hire help for my business online online so I can earn income more quickly.
My financial situation:
I am a good candidate for this loan because...I am a successful eye doctor, own my own home for over 10 years, and have no children or extra expenses. I have 1 loan with Prosper and have never been late with a payment. My credit score has increased over 40 points since 1 year ago and my income is increasing even more. Life is good! :)
Monthly net income: $7,000
Monthly expenses: $3,000
Housing: $800
Insurance: $100
Car expenses: $50
Utilities: $200
Phone, cable, internet: $320
Food, entertainment: $150
Clothing, household expenses: $100
Credit cards and other loans: $500
Other expenses: $250
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
640269
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*:
| 16.75% | | |
|
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*:
| 12.21% | | |
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
|
Prosper score (1-10):
| 4 |
First credit line:
| Nov-2005 |
Debt/Income ratio:
| 36% |
|
Credit score:
| 660-679 (Sep-2012) |
Inquiries last 6m:
| 2 | Employment status: | Employed |
|
Now delinquent:
| 0 |
Current / open credit lines:
| 9
/
8 | Length of status: | 1y 3m |
|
Amount delinquent:
| $0 |
Total credit lines:
| 13 |
Occupation: | Medical Technician |
|
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $6,956 | Stated income: | $25,000-$49,999 |
|
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 68% | | |
| | |
Homeownership:
| No | | |
|
Screen name:
| brightest-value-cycle |
Borrower's state:
| California |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Description
Debt consolidation
Purpose of loan:
This loan will be used to consolidate my loans and help me start my new business with my mother.
My financial situation:
I am a good candidate for this loan because I work full time with a great job and I never miss my payments. I feel I am a very responsible person who does everything I can to keep things as easy as possible in my life.
Monthly net income: $ 2700
Total Monthly expenses: $ 1000
Housing: $0
Insurance: $100
Car expenses: $500
Utilities: $0
Phone, cable, internet: $ 100
Food, entertainment: $ 0
Clothing, household expenses: $ 0
Credit cards and other loans: $ 300
Other expenses: $
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
640299
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*:
| 6.74% | | |
|
Term:
| 36 months | | | | |
|
|
Lender yield:
| 17.24% |
Borrower rate/APR:
| 18.24% / 21.95% |
Monthly payment:
| $544.09 |
| |
|
Lender servicing fee:
| 1.00% |
Effective Yield*:
| 16.84% | | |
| |
Estimated return*:
| 10.10% | | |
* 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:
| May-2001 |
Debt/Income ratio:
| Self-employed (DTI Not Calculated) |
|
Credit score:
| 700-719 (Sep-2012) |
Inquiries last 6m:
| 0 | Employment status: | Self-employed |
|
Now delinquent:
| 0 |
Current / open credit lines:
| 11
/
10 | Length of status: | 6y 1m |
|
Amount delinquent:
| $0 |
Total credit lines:
| 19 |
Occupation: | Professional |
|
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $19,517 | Stated income: | $25,000-$49,999 |
|
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 57% | | |
| | |
Homeownership:
| No | | |
|
Screen name:
| helpful-openness1 |
Borrower's state:
| NewMexico |
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: consolidation
This loan will be used to...pay off most of my debt
My financial situation: is really good.
I am a good candidate for this loan because...i pay my bills on time. I pay more than my minimum at times. I am in good standing with my creditors.
Monthly net income: $2000
Monthly expenses: $1780
Housing: $0
Insurance: $150
Car expenses: $0
Utilities: $160
Phone, cable, internet: $70
Food, entertainment: $200
Clothing, household expenses: $200
Credit cards and other loans: $700
Other expenses: $300
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
640323
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
|
Amount:
| $7,000.00 |
Prosper Rating:
| C |
Listing Duration:
| 14 days
|
|
Minimum Amount to Fund:
| $4,900 |
Estimated loss*:
| 8.49% | | |
|
Term:
| 36 months | | | | |
|
|
Lender yield:
| 19.99% |
Borrower rate/APR:
| 20.99% / 24.76% |
Monthly payment:
| $263.69 |
| |
|
Lender servicing fee:
| 1.00% |
Effective Yield*:
| 19.52% | | |
| |
Estimated return*:
| 11.03% | | |
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
|
Prosper score (1-10):
| 7 |
First credit line:
| Nov-1990 |
Debt/Income ratio:
| 41% |
|
Credit score:
| 760-779 (Sep-2012) |
Inquiries last 6m:
| 1 | Employment status: | Employed |
|
Now delinquent:
| 0 |
Current / open credit lines:
| 10
/
10 | Length of status: | 6y 8m |
|
Amount delinquent:
| $0 |
Total credit lines:
| 25 |
Occupation: | Nurse's Aide |
|
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $6,295 | Stated income: | $25,000-$49,999 |
|
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 22% | | |
| | |
Homeownership:
| No | | |
|
Screen name:
| flexible-bonus282 |
Borrower's state:
| Minnesota |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Description
Auto
Purpose of loan:
This loan will be used to...Pay for a newer vehicle.
My financial situation:
I am a good candidate for this loan because...
I am a very good candidate because I have continous employment at the same location I've had for almost 7 years. I think it's about time to give myself a treat and purchase a better car.
Monthly net income: $2,500
Monthly expenses: $1,200
Housing: $500.
Insurance: $275.
Car expenses: $50
Utilities: $35.00
Phone, cable, internet: $0.00
Food, entertainment: $75.00
Clothing, household expenses: $
Credit cards and other loans: $220
Other expenses: $
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
640867
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
|
Amount:
| $16,000.00 |
Prosper Rating:
| AA |
Listing Duration:
| 14 days
|
|
Minimum Amount to Fund:
| $11,200 |
Estimated loss*:
| 1.74% | | |
|
Term:
| 36 months | | | | |
|
|
Lender yield:
| 7.39% |
Borrower rate/APR:
| 8.39% / 9.74% |
Monthly payment:
| $504.27 |
| |
|
Lender servicing fee:
| 1.00% |
Effective Yield*:
| 7.39% | | |
| |
Estimated return*:
| 5.65% | | |
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
|
Prosper score (1-10):
| 8 |
First credit line:
| Jun-1979 |
Debt/Income ratio:
| 19% |
|
Credit score:
| 820-839 (Sep-2012) |
Inquiries last 6m:
| 1 | Employment status: | Other |
|
Now delinquent:
| 0 |
Current / open credit lines:
| 9
/
9 | Length of status: | 5y 2m |
|
Amount delinquent:
| $0 |
Total credit lines:
| 20 |
Occupation: | Other |
|
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $23,604 | Stated income: | $100,000+ |
|
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 62% | | |
| | |
Homeownership:
| Yes | | |
|
Screen name:
| tolerant-exchange2 |
Borrower's state:
| California |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Description
Debt consolidation
Purpose of loan:
This loan will be used to swap out credit card debt for a lower APR.
My financial situation:
I am a good candidate for this loan because I have a long track record of paying my debts and have a steady job.
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
641023
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:
| $19,000.00 |
Prosper Rating:
| B |
Listing Duration:
| 14 days
|
|
Minimum Amount to Fund:
| $13,300 |
Estimated loss*:
| 4.74% | | |
|
Term:
| 60 months | | | | |
|
|
Lender yield:
| 17.97% |
Borrower rate/APR:
| 18.97% / 21.39% |
Monthly payment:
| $492.56 |
| |
|
Lender servicing fee:
| 1.00% |
Effective Yield*:
| 17.66% | | |
| |
Estimated return*:
| 12.92% | | |
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
|
Prosper score (1-10):
| 8 |
First credit line:
| Oct-1997 |
Debt/Income ratio:
| 41% |
|
Credit score:
| 720-739 (Sep-2012) |
Inquiries last 6m:
| 0 | Employment status: | Employed |
|
Now delinquent:
| 0 |
Current / open credit lines:
| 11
/
10 | Length of status: | 0y 4m |
|
Amount delinquent:
| $0 |
Total credit lines:
| 27 |
Occupation: | Medical Technician |
|
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $17,732 | Stated income: | $25,000-$49,999 |
|
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 56% | | |
| | |
Homeownership:
| Yes | | |
|
Screen name:
| orderasaurus-rex7 |
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: consolidate debt
This loan will be used to...
My financial situation: stable
I am a good candidate for this loan because...
Monthly net income: $ 3800
Monthly expenses: $
Housing: $ 550
Insurance: $140
Car expenses: $
Utilities: $130
Phone, cable, internet: $250
Food, entertainment: $400
Clothing, household expenses: $
Credit cards and other loans: $700
Other expenses: $
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
641059
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
|
Amount:
| $8,500.00 |
Prosper Rating:
| C |
Listing Duration:
| 14 days
|
|
Minimum Amount to Fund:
| $5,950 |
Estimated loss*:
| 6.49% | | |
|
Term:
| 60 months | | | | |
|
|
Lender yield:
| 21.18% |
Borrower rate/APR:
| 22.18% / 24.68% |
Monthly payment:
| $235.63 |
| |
|
Lender servicing fee:
| 1.00% |
Effective Yield*:
| 20.68% | | |
| |
Estimated return*:
| 14.19% | | |
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
|
Prosper score (1-10):
| 3 |
First credit line:
| Mar-2001 |
Debt/Income ratio:
| 47% |
|
Credit score:
| 740-759 (Sep-2012) |
Inquiries last 6m:
| 4 | Employment status: | Employed |
|
Now delinquent:
| 0 |
Current / open credit lines:
| 21
/
21 | Length of status: | 4y 6m |
|
Amount delinquent:
| $0 |
Total credit lines:
| 42 |
Occupation: | Retail Management |
|
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $9,093 | Stated income: | $50,000-$74,999 |
|
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 51% | | |
| | |
Homeownership:
| Yes | | |
|
Screen name:
| sudz_inc |
Borrower's state:
| Texas |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
| Loan history | Payment history | Credit score history |
|
Active / total loans:
| 0 / 1 |
On-time:
| 13 ( 100% )
| 740-759 (Latest)
|
|
Principal borrowed:
| $1,000.00 | < 31 days late:
| 0
( 0% )
| 560-579
(Jun-2006)
520-539
(May-2006)
|
|
Principal balance:
| $0.00 |
31+ days late:
| 0
( 0% )
|
|
Total payments billed:
| 13 | | |
Description
Debt consolidation
Purpose of loan:
This loan will be used to consolidate debt
My financial situation:
I am a good candidate for this loan because since my last prosper loan, I have paid off a lot of my debt and want to pay off the rest. I am reliable and responsible. I have never been delinquent on any of my debt. I just want to eliminate it.
Monthly net income: $4500
Monthly expenses: $
Housing: $1500
Insurance: $200
Car expenses: $250
Utilities: $400
Phone, cable, internet: $100
Food, entertainment: $
Clothing, household expenses: $
Credit cards and other loans: $
Other expenses: $
Information in the Description is not verified.