Listing Report:Supplement No. 115 dated Sep 21, 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
632558
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
|
Amount:
| $2,500.00 |
Prosper Rating:
| HR |
Listing Duration:
| 14 days
|
|
Minimum Amount to Fund:
| $2,500 |
Estimated loss*:
| 16.75% | | |
|
Term:
| 36 months | | | | |
|
|
Lender yield:
| 30.77% |
Borrower rate/APR:
| 31.77% / 35.80% |
Monthly payment:
| $108.57 |
| |
|
Lender servicing fee:
| 1.00% |
Effective Yield*:
| 28.96% | | |
| |
Estimated return*:
| 12.21% | | |
* 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:
| Jul-2001 |
Debt/Income ratio:
| 6% |
|
Credit score:
| 660-679 (Sep-2012) |
Inquiries last 6m:
| 1 | Employment status: | Employed |
|
Now delinquent:
| 0 |
Current / open credit lines:
| 0
/
0 | Length of status: | 12y 4m |
|
Amount delinquent:
| $0 |
Total credit lines:
| 4 |
Occupation: | Skilled Labor |
|
Public records last 12m / 10y:
| 1/ 2 |
Revolving credit balance:
| $0 | Stated income: | $1-$24,999 |
|
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 0% | | |
| | |
Homeownership:
| No | | |
|
Screen name:
| auction-saxaphone2 |
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 & debt consoldatio
Purpose of loan:
This loan will be used to.consolidate bills and to make home improvements in my home.
My financial situation: Due to an illness in my family my bills got a bit behind. That situation is now cleared up. I would like to catch up on all of my bills in order to be able to get back on schedule and to be able to save each month to pay the next bills and to make home improvements which will add to the value of my home.
I am a good candidate for this loan because once I catch up on all of my bills I will be able to make the loan payments in a timely manner. I am a responsible person who has worked at the same job for at least 38 years
Monthly net income: $1534.00
Monthly expenses: $1232.00
Housing: $470.00
Insurance: $94.00
Car expenses: $250.00
Utilities: $100.00
Phone, cable, internet: $68.00
Food, entertainment: $200.00
Clothing, household expenses: 50.00
Credit cards and other loans: $0
Other expenses: $
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
639030
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:
| AA |
Listing Duration:
| 14 days
|
|
Minimum Amount to Fund:
| $14,000 |
Estimated loss*:
| 1.74% | | |
|
Term:
| 60 months | | | | |
|
|
Lender yield:
| 11.08% |
Borrower rate/APR:
| 12.08% / 14.34% |
Monthly payment:
| $311.99 |
| |
|
Lender servicing fee:
| 1.00% |
Effective Yield*:
| 11.07% | | |
| |
Estimated return*:
| 9.33% | | |
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
|
Prosper score (1-10):
| 9 |
First credit line:
| Mar-1985 |
Debt/Income ratio:
| 11% |
|
Credit score:
| 740-759 (Sep-2012) |
Inquiries last 6m:
| 0 | Employment status: | Employed |
|
Now delinquent:
| 1 |
Current / open credit lines:
| 8
/
8 | Length of status: | 4y 0m |
|
Amount delinquent:
| $103 |
Total credit lines:
| 30 |
Occupation: | Other |
|
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $14,114 | Stated income: | $75,000-$99,999 |
|
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 35% | | |
| | |
Homeownership:
| Yes | | |
|
Screen name:
| fervent-p2ploan867 |
Borrower's state:
| Ohio |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Description
Debt consolidation
Purpose of loan:
This loan will be used to...
My financial situation:
I am a good candidate for this loan because...I am just another hard working manager who has teenagers. I have never defaulted on any loan in my life. Just always pay on time.
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
640710
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
|
Amount:
| $12,000.00 |
Prosper Rating:
| D |
Listing Duration:
| 14 days
|
|
Minimum Amount to Fund:
| $8,400 |
Estimated loss*:
| 11.25% | | |
|
Term:
| 60 months | | | | |
|
|
Lender yield:
| 27.04% |
Borrower rate/APR:
| 28.04% / 30.70% |
Monthly payment:
| $373.92 |
| |
|
Lender servicing fee:
| 1.00% |
Effective Yield*:
| 26.37% | | |
| |
Estimated return*:
| 15.12% | | |
* 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-1976 |
Debt/Income ratio:
| 15% |
|
Credit score:
| 660-679 (Sep-2012) |
Inquiries last 6m:
| 0 | Employment status: | Employed |
|
Now delinquent:
| 0 |
Current / open credit lines:
| 4
/
4 | Length of status: | 25y 2m |
|
Amount delinquent:
| $0 |
Total credit lines:
| 16 |
Occupation: | Other |
|
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $1,175 | Stated income: | $25,000-$49,999 |
|
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 97% | | |
| | |
Homeownership:
| Yes | | |
|
Screen name:
| nourishing-dime8 |
Borrower's state:
| Arkansas |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Description
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
641378
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
|
Amount:
| $15,000.00 |
Prosper Rating:
| C |
Listing Duration:
| 14 days
|
|
Minimum Amount to Fund:
| $15,000 |
Estimated loss*:
| 6.24% | | |
|
Term:
| 60 months | | | | |
|
|
Lender yield:
| 20.81% |
Borrower rate/APR:
| 21.81% / 24.30% |
Monthly payment:
| $412.66 |
| |
|
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):
| 5 |
First credit line:
| Jan-1995 |
Debt/Income ratio:
| 47% |
|
Credit score:
| 680-699 (Sep-2012) |
Inquiries last 6m:
| 1 | Employment status: | Employed |
|
Now delinquent:
| 0 |
Current / open credit lines:
| 17
/
14 | Length of status: | 4y 6m |
|
Amount delinquent:
| $0 |
Total credit lines:
| 29 |
Occupation: | Truck Driver |
|
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $17,106 | Stated income: | $25,000-$49,999 |
|
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 68% | | |
| | |
Homeownership:
| Yes | | |
|
Screen name:
| shiny-hope |
Borrower's state:
| Connecticut |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
| Loan history | Payment history | Credit score history |
|
Active / total loans:
| 1 / 3 |
On-time:
| 32 ( 100% )
| 680-699 (Latest)
|
|
Principal borrowed:
| $5,300.00 | < 31 days late:
| 0
( 0% )
| 680-699
(Oct-2011)
740-759
(Oct-2010)
800-819
(Aug-2009)
|
|
Principal balance:
| $2,118.94 |
31+ days late:
| 0
( 0% )
|
|
Total payments billed:
| 32 | | |
Description
Debt consolidation
Purpose of loan: To consolidate debt
This loan will be used to...consolidate my last three credit cards, and pay off my current prosper loan
My financial situation I have a stable job, with plenty of work.
I am a good candidate for this loan because...My bills are always payed, and all my prosper loans are on auto pay. Due to the econemy prosper is my only chance to consolidate.
Monthly net income: $2500
Monthly expenses: $2350
Housing: $1000
Insurance: $160
Car expenses: $160
Utilities: $100
Phone, cable, internet: $180
Food, entertainment: $150
Clothing, household expenses: $100
Credit cards and other loans: $500
Other expenses: $
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
642598
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
|
Amount:
| $5,000.00 |
Prosper Rating:
| B |
Listing Duration:
| 14 days
|
|
Minimum Amount to Fund:
| $3,500 |
Estimated loss*:
| 5.99% | | |
|
Term:
| 36 months | | | | |
|
|
Lender yield:
| 15.79% |
Borrower rate/APR:
| 16.79% / 20.46% |
Monthly payment:
| $177.74 |
| |
|
Lender servicing fee:
| 1.00% |
Effective Yield*:
| 15.52% | | |
| |
Estimated return*:
| 9.53% | | |
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
|
Prosper score (1-10):
| 8 |
First credit line:
| Jan-1983 |
Debt/Income ratio:
| 40% |
|
Credit score:
| 680-699 (Sep-2012) |
Inquiries last 6m:
| 0 | Employment status: | Employed |
|
Now delinquent:
| 0 |
Current / open credit lines:
| 20
/
18 | Length of status: | 1y 3m |
|
Amount delinquent:
| $0 |
Total credit lines:
| 35 |
Occupation: | Professional |
|
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $43,276 | Stated income: | $75,000-$99,999 |
|
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 52% | | |
| | |
Homeownership:
| Yes | | |
|
Screen name:
| gold-honker1 |
Borrower's state:
| Virginia |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Description
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
642692
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:
| Mar-2001 |
Debt/Income ratio:
| 59% |
|
Credit score:
| 700-719 (Sep-2012) |
Inquiries last 6m:
| 0 | Employment status: | Employed |
|
Now delinquent:
| 0 |
Current / open credit lines:
| 7
/
5 | Length of status: | 3y 7m |
|
Amount delinquent:
| $0 |
Total credit lines:
| 14 |
Occupation: | Administrative Assi... |
|
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $329 | Stated income: | $1-$24,999 |
|
Delinquencies in last 7y:
| 3 |
Bankcard utilization:
| 0% | | |
| | |
Homeownership:
| Yes | | |
|
Screen name:
| robust-transaction9 |
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
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
642698
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
|
Amount:
| $4,000.00 |
Prosper Rating:
| A |
Listing Duration:
| 14 days
|
|
Minimum Amount to Fund:
| $2,800 |
Estimated loss*:
| 2.49% | | |
|
Term:
| 36 months | | | | |
|
|
Lender yield:
| 8.74% |
Borrower rate/APR:
| 9.74% / 12.53% |
Monthly payment:
| $128.58 |
| |
|
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:
| Jul-1991 |
Debt/Income ratio:
| 13% |
|
Credit score:
| 720-739 (Sep-2012) |
Inquiries last 6m:
| 0 | Employment status: | Employed |
|
Now delinquent:
| 0 |
Current / open credit lines:
| 7
/
6 | Length of status: | 13y 6m |
|
Amount delinquent:
| $0 |
Total credit lines:
| 14 |
Occupation: | Other |
|
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $589 | Stated income: | $25,000-$49,999 |
|
Delinquencies in last 7y:
| 3 |
Bankcard utilization:
| 8% | | |
| | |
Homeownership:
| Yes | | |
|
Screen name:
| ore-tom-tom7 |
Borrower's state:
| Missouri |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
| Loan history | Payment history | Credit score history |
|
Active / total loans:
| 1 / 1 |
On-time:
| 11 ( 100% )
| 720-739 (Latest)
|
|
Principal borrowed:
| $3,500.00 | < 31 days late:
| 0
( 0% )
| 680-699
(Sep-2011)
|
|
Principal balance:
| $2,760.02 |
31+ days late:
| 0
( 0% )
|
|
Total payments billed:
| 11 | | |
Description
payoff high interest loans
Purpose of loan:
This loan will be used to...pay off two high interest loans and consolidate debt
My financial situation:
I am a good candidate for this loan because...I am gainfully employed, very responsible, and desperately want lower interest rate to save money
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
642764
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
|
Amount:
| $5,000.00 |
Prosper Rating:
| C |
Listing Duration:
| 14 days
|
|
Minimum Amount to Fund:
| $3,500 |
Estimated loss*:
| 6.49% | | |
|
Term:
| 36 months | | | | |
|
|
Lender yield:
| 16.74% |
Borrower rate/APR:
| 17.74% / 21.43% |
Monthly payment:
| $180.11 |
| |
|
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:
| Apr-1991 |
Debt/Income ratio:
| 5% |
|
Credit score:
| 700-719 (Aug-2012) |
Inquiries last 6m:
| 1 | Employment status: | Employed |
|
Now delinquent:
| 0 |
Current / open credit lines:
| 2
/
2 | Length of status: | 0y 5m |
|
Amount delinquent:
| $0 |
Total credit lines:
| 34 |
Occupation: | Food Service Manage... |
|
Public records last 12m / 10y:
| 0/ 1 |
Revolving credit balance:
| $1,773 | Stated income: | $50,000-$74,999 |
|
Delinquencies in last 7y:
| 21 |
Bankcard utilization:
| 44% | | |
| | |
Homeownership:
| No | | |
|
Screen name:
| wise-payout-windmill |
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
Re-Location Assistance/New Start
Purpose of loan: To have the money to put down on a new apartment and pay off some bills
The last 2 years or so have been interesting to say the least and I am just trying to move forward and this money could help do that. I I do have a personal bankruptcy on my record from two years ago and I am currently going through a short sale on my house in Wayland, MA. The real estate crash really hurt myself and my ex back in 2009 and that started a chain reaction of things that have led me to this point. But, with that being said, I have a great job and am moving forward with things. I live with a friend right now and I am looking to get an apartment and my own space. Rents are CRAZY in Massachusetts right now and if people are looking for first month, last month, and security, that's a good chunk of change up front. That's what a bulk of this money would be used for
My financial situation:
I am a good candidate for this loan because I have a good job in the restaurant business which I have been in for over 20 years. I am the Bar/Floor Manager of a great place and I make good money, over $1,000 per week on average. That's take home money. Also, as I mentioned before I am going through a short sale process with Bank of America and part of that program is when I close on my house in October I receive $3,000 for moving expenses. Most of that money would be used to help pay back the loan.
Even though I had to claim Chapter 7 I kept paying my mortgage until I could, I successfully paid off my car and also paid off a timeshare loan this year as well. I make good money and I pay my bills! I just need a little help getting that first push to get the apartment and pay off a few things for the house so I can close the short sale in October.
My first listing was fully funded but then cancelled because Prosper said that they could not verify my income properly. I do now have the documents to verify my income. I work in the restaurant business and sometimes it is tough to show all income but I will provide documents showing payroll checks for bartending and seperate checks for Managing/Consulting at my restaurant and it will show that I am easily making the money that I have stated. Thank you for taking the time.
Monthly net income: $4,000+
Monthly expenses: $1000
Housing: $500
Insurance: $200
Car expenses: $0
Utilities: $
Phone, cable, internet: $
Food, entertainment: $500
Clothing, household expenses: $
Credit cards and other loans: $100
Other expenses: $
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
642782
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:
| Feb-1986 |
Debt/Income ratio:
| Not calculated |
|
Credit score:
| 680-699 (Sep-2012) |
Inquiries last 6m:
| 3 | Employment status: | Not employed |
|
Now delinquent:
| 1 |
Current / open credit lines:
| 8
/
8 | Length of status: | 0y 9m |
|
Amount delinquent:
| $838 |
Total credit lines:
| 19 | Stated income: | Not employed |
|
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $13,437 | |
|
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 25% | | |
| | |
Homeownership:
| Yes | | |
|
Screen name:
| best-thrilling-note |
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
Debt consolidation
Purpose of loan:
This loan will be used to...
My financial situation:
I am a good candidate for this loan because...i have good repayment history when it comes to bills i am trying to keep my total debts below 20000 so any little funds i can get right now would be appreciated until i start work again.
Monthly net income: $4500
Monthly expenses: 3000
Housing: $1100
Insurance: $
Car expenses: $0
Utilities: $500
Food, entertainment: $900
Clothing, household expenses: 1500
Credit cards and other loans: $20000
Other expenses: $
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
642804
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:
| $2,650.00 |
Prosper Rating:
| HR |
Listing Duration:
| 14 days
|
|
Minimum Amount to Fund:
| $2,650 |
Estimated loss*:
| 16.25% | | |
|
Term:
| 36 months | | | | |
|
|
Lender yield:
| 30.77% |
Borrower rate/APR:
| 31.77% / 35.80% |
Monthly payment:
| $115.08 |
| |
|
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):
| 5 |
First credit line:
| Sep-2000 |
Debt/Income ratio:
| 15% |
|
Credit score:
| 700-719 (Aug-2012) |
Inquiries last 6m:
| 5 | Employment status: | Employed |
|
Now delinquent:
| 0 |
Current / open credit lines:
| 8
/
4 | Length of status: | 5y 7m |
|
Amount delinquent:
| $0 |
Total credit lines:
| 31 |
Occupation: | Professional |
|
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $0 | Stated income: | $25,000-$49,999 |
|
Delinquencies in last 7y:
| 6 |
Bankcard utilization:
| 0% | | |
| | |
Homeownership:
| No | | |
|
Screen name:
| villarin1981 |
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
642810
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
|
Amount:
| $15,000.00 |
Prosper Rating:
| C |
Listing Duration:
| 14 days
|
|
Minimum Amount to Fund:
| $10,500 |
Estimated loss*:
| 8.49% | | |
|
Term:
| 60 months | | | | |
|
|
Lender yield:
| 23.98% |
Borrower rate/APR:
| 24.98% / 27.55% |
Monthly payment:
| $440.09 |
| |
|
Lender servicing fee:
| 1.00% |
Effective Yield*:
| 23.41% | | |
| |
Estimated return*:
| 14.92% | | |
* 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):
| 6 |
First credit line:
| Nov-2001 |
Debt/Income ratio:
| Self-employed (DTI Not Calculated) |
|
Credit score:
| 780-799 (Sep-2012) |
Inquiries last 6m:
| 0 | Employment status: | Self-employed |
|
Now delinquent:
| 0 |
Current / open credit lines:
| 4
/
3 | Length of status: | 2y 4m |
|
Amount delinquent:
| $0 |
Total credit lines:
| 13 |
Occupation: | Landscaping |
|
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $37 | Stated income: | $50,000-$74,999 |
|
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 0% | | |
| | |
Homeownership:
| No | | |
|
Screen name:
| generosity-twister2 |
Borrower's state:
| Ohio |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Description
Business
Purpose of loan:
This loan will be used to...
Expansion to get more equipment and to go on a all city marketing campain
My financial situation: is fair i am able to put two-thousand extra each month
I am a good candidate for this loan because... I am a creditable and hard working person and always good with paying off debt
Monthly net income: $4300
Monthly expenses: $1680
Housing: $378
Insurance: $185
Car expenses: $0
Utilities: $450
Phone, cable, internet: $100
Food, entertainment: $300
Clothing, household expenses: $200
Credit cards and other loans: $80
Other expenses: $
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
642852
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
|
Amount:
| $10,500.00 |
Prosper Rating:
| C |
Listing Duration:
| 14 days
|
|
Minimum Amount to Fund:
| $7,350 |
Estimated loss*:
| 8.49% | | |
|
Term:
| 60 months | | | | |
|
|
Lender yield:
| 23.98% |
Borrower rate/APR:
| 24.98% / 27.55% |
Monthly payment:
| $308.07 |
| |
|
Lender servicing fee:
| 1.00% |
Effective Yield*:
| 23.41% | | |
| |
Estimated return*:
| 14.92% | | |
* 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):
| 7 |
First credit line:
| Feb-2005 |
Debt/Income ratio:
| 9% |
|
Credit score:
| 700-719 (Sep-2012) |
Inquiries last 6m:
| 1 | Employment status: | Employed |
|
Now delinquent:
| 0 |
Current / open credit lines:
| 2
/
2 | Length of status: | 6y 4m |
|
Amount delinquent:
| $0 |
Total credit lines:
| 4 |
Occupation: | Tradesman - Mechani... |
|
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $172 | Stated income: | $25,000-$49,999 |
|
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 22% | | |
| | |
Homeownership:
| No | | |
|
Screen name:
| systematic-dedication469 |
Borrower's state:
| SouthDakota |
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
642858
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
|
Amount:
| $2,000.00 |
Prosper Rating:
| B |
Listing Duration:
| 14 days
|
|
Minimum Amount to Fund:
| $2,000 |
Estimated loss*:
| 5.99% | | |
|
Term:
| 12 months | | | | |
|
|
Lender yield:
| 11.79% |
Borrower rate/APR:
| 12.79% / 18.53% |
Monthly payment:
| $178.44 |
| |
|
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):
| 8 |
First credit line:
| Aug-2010 |
Debt/Income ratio:
| 13% |
|
Credit score:
| 700-719 (Sep-2012) |
Inquiries last 6m:
| 0 | Employment status: | Employed |
|
Now delinquent:
| 0 |
Current / open credit lines:
| 2
/
2 | Length of status: | 3y 4m |
|
Amount delinquent:
| $0 |
Total credit lines:
| 2 |
Occupation: | Sales - Retail |
|
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $192 | Stated income: | $1-$24,999 |
|
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 25% | | |
| | |
Homeownership:
| No | | |
|
Screen name:
| worlds-best-economy429 |
Borrower's state:
| California |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Description
Personal Loan
Purpose of loan:
This loan will be used to... to pay off medical expenses.
My financial situation:
I am a good candidate for this loan because... I pay my bills on time. I have never been late on my credit card bills.
Monthly net income: $1400
Monthly expenses: $600
Housing: $100
Insurance: $
Car expenses: $
Utilities: $
Phone, cable, internet: $25
Food, entertainment: $
Clothing, household expenses: $
Credit cards and other loans: $
Other expenses: $
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
642878
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:
| 36 months | | | | |
|
|
Lender yield:
| 8.74% |
Borrower rate/APR:
| 9.74% / 12.53% |
Monthly payment:
| $160.73 |
| |
|
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:
| Apr-1998 |
Debt/Income ratio:
| 35% |
|
Credit score:
| 720-739 (Sep-2012) |
Inquiries last 6m:
| 1 | Employment status: | Employed |
|
Now delinquent:
| 0 |
Current / open credit lines:
| 24
/
23 | Length of status: | 3y 5m |
|
Amount delinquent:
| $0 |
Total credit lines:
| 49 |
Occupation: | Social Worker |
|
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $3,476 | Stated income: | $25,000-$49,999 |
|
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 13% | | |
| | |
Homeownership:
| Yes | | |
|
Screen name:
| Maxxie2 |
Borrower's state:
| NorthCarolina |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
| Loan history | Payment history | Credit score history |
|
Active / total loans:
| 1 / 3 |
On-time:
| 38 ( 97% )
| 720-739 (Latest)
|
|
Principal borrowed:
| $9,500.00 | < 31 days late:
| 1
( 3% )
| 760-779
(Sep-2011)
700-719
(Oct-2009)
680-699
(May-2008)
|
|
Principal balance:
| $2,256.25 |
31+ days late:
| 0
( 0% )
|
|
Total payments billed:
| 39 | | |
Description
Home improvement
Purpose of loan:
This loan will be used to repair paint on trim and shutters, repair some rotten wood, replace rear door, buy another shed, and to replace steps in front of home. These repairs must be completed prior to obtaining home insurance.
My financial situation:
I am a good candidate for this loan because I have a good credit history with Prosper and with other creditors. Additionally, I am a disabled veteran who is awarded $1800 monthly disability compensation check, so I am able and willing to repay this loan.
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
642900
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
|
Amount:
| $5,000.00 |
Prosper Rating:
| C |
Listing Duration:
| 14 days
|
|
Minimum Amount to Fund:
| $3,500 |
Estimated loss*:
| 8.49% | | |
|
Term:
| 36 months | | | | |
|
|
Lender yield:
| 19.99% |
Borrower rate/APR:
| 20.99% / 24.76% |
Monthly payment:
| $188.35 |
| |
|
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):
| 6 |
First credit line:
| Jul-1985 |
Debt/Income ratio:
| 15% |
|
Credit score:
| 780-799 (Sep-2012) |
Inquiries last 6m:
| 3 | Employment status: | Employed |
|
Now delinquent:
| 0 |
Current / open credit lines:
| 9
/
4 | Length of status: | 3y 8m |
|
Amount delinquent:
| $0 |
Total credit lines:
| 26 |
Occupation: | Other |
|
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $129 | Stated income: | $75,000-$99,999 |
|
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 0% | | |
| | |
Homeownership:
| No | | |
|
Screen name:
| return-blossom5 |
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
Business
Purpose of loan:
This loan will be used to...
Invest in a small business opportunity with a business owner and good friend of many years.
My financial situation:
I am a good candidate for this loan because...
I have great credit and good income. The return on my investment will pay off my loan in a quarter of the time.
Monthly expenses: $ vary
Housing: $900
Insurance: $ 300
Car expenses: $ 0
Utilities: $ 130
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
642902
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
|
Amount:
| $3,000.00 |
Prosper Rating:
| C |
Listing Duration:
| 14 days
|
|
Minimum Amount to Fund:
| $2,100 |
Estimated loss*:
| 7.99% | | |
|
Term:
| 36 months | | | | |
|
|
Lender yield:
| 19.19% |
Borrower rate/APR:
| 20.19% / 23.94% |
Monthly payment:
| $111.78 |
| |
|
Lender servicing fee:
| 1.00% |
Effective Yield*:
| 18.74% | | |
| |
Estimated return*:
| 10.75% | | |
* 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):
| 7 |
First credit line:
| Jun-1998 |
Debt/Income ratio:
| 22% |
|
Credit score:
| 600-619 (Sep-2012) |
Inquiries last 6m:
| 0 | Employment status: | Employed |
|
Now delinquent:
| 0 |
Current / open credit lines:
| 8
/
7 | Length of status: | 5y 2m |
|
Amount delinquent:
| $0 |
Total credit lines:
| 11 |
Occupation: | Computer Programmer |
|
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $77,465 | Stated income: | $100,000+ |
|
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 99% | | |
| | |
Homeownership:
| No | | |
|
Screen name:
| justice-hawk9 |
Borrower's state:
| NewJersey |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
| Loan history | Payment history | Credit score history |
|
Active / total loans:
| 0 / 1 |
On-time:
| 11 ( 100% )
| 600-619 (Latest)
|
|
Principal borrowed:
| $3,000.00 | < 31 days late:
| 0
( 0% )
| 640-659
(Jun-2011)
|
|
Principal balance:
| $0.00 |
31+ days late:
| 0
( 0% )
|
|
Total payments billed:
| 11 | | |
Description
Large Purchases
Purpose of loan:
This loan will be used to...
My financial situation:
I am a good candidate for this loan because...
Monthly net income: $ 7000
Monthly expenses: $ 5500
Housing: $ 1800
Insurance: $
Car expenses: $
Utilities: $200
Phone, cable, internet: $200
Food, entertainment: $500
Clothing, household expenses: $
Credit cards and other loans: $2000
Other expenses: $500
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
642912
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
|
Amount:
| $8,000.00 |
Prosper Rating:
| D |
Listing Duration:
| 14 days
|
|
Minimum Amount to Fund:
| $5,600 |
Estimated loss*:
| 10.25% | | |
|
Term:
| 60 months | | | | |
|
|
Lender yield:
| 25.84% |
Borrower rate/APR:
| 26.84% / 29.46% |
Monthly payment:
| $243.52 |
| |
|
Lender servicing fee:
| 1.00% |
Effective Yield*:
| 25.20% | | |
| |
Estimated return*:
| 14.95% | | |
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
|
Prosper score (1-10):
| 5 |
First credit line:
| Oct-1995 |
Debt/Income ratio:
| Not calculated |
|
Credit score:
| 780-799 (Sep-2012) |
Inquiries last 6m:
| 2 | Employment status: | Not employed |
|
Now delinquent:
| 0 |
Current / open credit lines:
| 4
/
4 | Length of status: | 13y 4m |
|
Amount delinquent:
| $0 |
Total credit lines:
| 12 | Stated income: | Not employed |
|
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $0 | |
|
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 0% | | |
| | |
Homeownership:
| No | | |
|
Screen name:
| orange-vibrant-deal |
Borrower's state:
| Missouri |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Description
Purchases for Daughter and Grand D
Purpose of loan:
This loan will be used to...help my daughter and granddaughter get back on their feet. They lost everything in the apt including the car due to major fire here in Missouri. (Saint Louis)
My financial situation:
I am a good candidate for this loan because...I pay on time, I get a check every month, just don't have enough for my family all at one time
Monthly net income: $3340.00
Monthly expenses: $1500.00
Housing: $700.00
Insurance: $125.00
Car expenses: $0
Utilities: $100.00
Phone, cable, internet: $100.00
Food, entertainment: $100.00
Clothing, household expenses: $0
Credit cards and other loans: $0
Other expenses: $0
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
642948
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
|
Amount:
| $6,500.00 |
Prosper Rating:
| D |
Listing Duration:
| 14 days
|
|
Minimum Amount to Fund:
| $4,550 |
Estimated loss*:
| 10.25% | | |
|
Term:
| 60 months | | | | |
|
|
Lender yield:
| 25.84% |
Borrower rate/APR:
| 26.84% / 29.46% |
Monthly payment:
| $197.86 |
| |
|
Lender servicing fee:
| 1.00% |
Effective Yield*:
| 25.20% | | |
| |
Estimated return*:
| 14.95% | | |
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
|
Prosper score (1-10):
| 2 |
First credit line:
| Aug-2002 |
Debt/Income ratio:
| 30% |
|
Credit score:
| 680-699 (Sep-2012) |
Inquiries last 6m:
| 3 | Employment status: | Employed |
|
Now delinquent:
| 0 |
Current / open credit lines:
| 22
/
19 | Length of status: | 9y 7m |
|
Amount delinquent:
| $0 |
Total credit lines:
| 52 |
Occupation: | Police Officer/Corr... |
|
Public records last 12m / 10y:
| 0/ 1 |
Revolving credit balance:
| $6,232 | Stated income: | $75,000-$99,999 |
|
Delinquencies in last 7y:
| 4 |
Bankcard utilization:
| 49% | | |
| | |
Homeownership:
| Yes | | |
|
Screen name:
| kenny3 |
Borrower's state:
| Arkansas |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
| Loan history | Payment history | Credit score history |
|
Active / total loans:
| 1 / 3 |
On-time:
| 69 ( 97% )
| 680-699 (Latest)
|
|
Principal borrowed:
| $4,000.00 | < 31 days late:
| 2
( 3% )
| 720-739
(Dec-2011)
660-679
(May-2010)
600-619
(May-2008)
540-559
(Nov-2006)
|
|
Principal balance:
| $1,615.48 |
31+ days late:
| 0
( 0% )
|
|
Total payments billed:
| 71 | | |
Description
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
642966
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
|
Amount:
| $2,500.00 |
Prosper Rating:
| HR |
Listing Duration:
| 14 days
|
|
Minimum Amount to Fund:
| $2,500 |
Estimated loss*:
| 16.75% | | |
|
Term:
| 36 months | | | | |
|
|
Lender yield:
| 30.77% |
Borrower rate/APR:
| 31.77% / 35.80% |
Monthly payment:
| $108.57 |
| |
|
Lender servicing fee:
| 1.00% |
Effective Yield*:
| 28.96% | | |
| |
Estimated return*:
| 12.21% | | |
* 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-1989 |
Debt/Income ratio:
| 33% |
|
Credit score:
| 660-679 (Sep-2012) |
Inquiries last 6m:
| 1 | Employment status: | Employed |
|
Now delinquent:
| 1 |
Current / open credit lines:
| 9
/
9 | Length of status: | 16y 8m |
|
Amount delinquent:
| $15,689 |
Total credit lines:
| 45 |
Occupation: | Skilled Labor |
|
Public records last 12m / 10y:
| 0/ 1 |
Revolving credit balance:
| $7,260 | Stated income: | $1-$24,999 |
|
Delinquencies in last 7y:
| 10 |
Bankcard utilization:
| 44% | | |
| | |
Homeownership:
| No | | |
|
Screen name:
| affluence-wildebeest9 |
Borrower's state:
| Georgia |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Description
Debt consolidation
Purpose of loan:
This loan will be used to...COMBINDING ONE PAYMENT
My financial situation: IS GOOD
I am a good candidate for this loan because...I PAY MY BILL ON TIME
Monthly net income: $6117
Monthly expenses: $3000
Housing: $725
Insurance: $170
Car expenses: $325
Utilities: $300
Phone, cable, internet: $125
Food, entertainment: $125
Clothing, household expenses: 300
Credit cards and other loans: $500
Other expenses: $
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
642978
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:
| $8,100.00 |
Prosper Rating:
| B |
Listing Duration:
| 14 days
|
|
Minimum Amount to Fund:
| $5,670 |
Estimated loss*:
| 4.49% | | |
|
Term:
| 36 months | | | | |
|
|
Lender yield:
| 13.14% |
Borrower rate/APR:
| 14.14% / 17.75% |
Monthly payment:
| $277.39 |
| |
|
Lender servicing fee:
| 1.00% |
Effective Yield*:
| 12.92% | | |
| |
Estimated return*:
| 8.43% | | |
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
|
Prosper score (1-10):
| 6 |
First credit line:
| Feb-2007 |
Debt/Income ratio:
| 22% |
|
Credit score:
| 680-699 (Sep-2012) |
Inquiries last 6m:
| 0 | Employment status: | Other |
|
Now delinquent:
| 1 |
Current / open credit lines:
| 6
/
6 | Length of status: | 16y 2m |
|
Amount delinquent:
| $45 |
Total credit lines:
| 8 | Stated income: | $25,000-$49,999 |
|
Public records last 12m / 10y:
| 0/ 1 |
Revolving credit balance:
| $450 | |
|
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 32% | | |
| | |
Homeownership:
| No | | |
|
Screen name:
| detroitclaydog |
Borrower's state:
| Michigan |
Borrower's group:
| Desert Orchid Lending Group, Dedicated to You!! |
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
| Loan history | Payment history | Credit score history |
|
Active / total loans:
| 1 / 3 |
On-time:
| 72 ( 100% )
| 680-699 (Latest)
|
|
Principal borrowed:
| $7,200.00 | < 31 days late:
| 0
( 0% )
| 640-659
(Nov-2011)
660-679
(Apr-2010)
(Jan-2007)
|
|
Principal balance:
| $1,586.19 |
31+ days late:
| 0
( 0% )
|
|
Total payments billed:
| 72 | | |
Description
Auto
Purpose of loan: Purchase a dependable car
This loan will be used to...Replace the car that I'm giving to my grandson
My financial situation: stable/comfortable
I am a good candidate for this loan because...I feel like I have enough "wiggle-room" to take on a car payment and still comfortably sustain myself.
Monthly net income: $3100
Monthly expenses: $30
Housing: $719
Insurance: $69
Car expenses: $250 (avg. gas&repairs)
Utilities: $70 (approx, gas&elect)
Phone, cable, internet: $165
Food, entertainment: $200
Clothing, household expenses: $40 avg.
Credit cards and other loans: $70.40
Other expenses: $30 (approx. medical)
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
643198
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
|
Amount:
| $25,000.00 |
Prosper Rating:
| B |
Listing Duration:
| 14 days
|
|
Minimum Amount to Fund:
| $25,000 |
Estimated loss*:
| 4.74% | | |
|
Term:
| 60 months | | | | |
|
|
Lender yield:
| 17.97% |
Borrower rate/APR:
| 18.97% / 21.39% |
Monthly payment:
| $648.10 |
| |
|
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:
| May-1993 |
Debt/Income ratio:
| 41% |
|
Credit score:
| 720-739 (Sep-2012) |
Inquiries last 6m:
| 0 | Employment status: | Employed |
|
Now delinquent:
| 0 |
Current / open credit lines:
| 7
/
7 | Length of status: | 22y 7m |
|
Amount delinquent:
| $0 |
Total credit lines:
| 26 |
Occupation: | Skilled Labor |
|
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $40,511 | Stated income: | $75,000-$99,999 |
|
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 61% | | |
| | |
Homeownership:
| No | | |
|
Screen name:
| silver-trader7 |
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
Debt consolidation
Purpose of loan:
This loan will be used to...pay revolving acounts
My financial situation:
I am a good candidate for this loan because...i always pay my bills on time
Monthly net income: $6100
Monthly expenses:
Housing: $920
Insurance: $200 month
Car expenses: $0
Utilities: $100
Phone, cable, internet: $120
Food, entertainment: $400
Clothing, household expenses: $ 100
Credit cards and other loans: $750
Other expenses: $
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
643450
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
|
Amount:
| $5,000.00 |
Prosper Rating:
| C |
Listing Duration:
| 14 days
|
|
Minimum Amount to Fund:
| $5,000 |
Estimated loss*:
| 8.49% | | |
|
Term:
| 36 months | | | | |
|
|
Lender yield:
| 19.99% |
Borrower rate/APR:
| 20.99% / 24.76% |
Monthly payment:
| $188.35 |
| |
|
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:
| Mar-1992 |
Debt/Income ratio:
| 28% |
|
Credit score:
| 720-739 (Sep-2012) |
Inquiries last 6m:
| 0 | Employment status: | Employed |
|
Now delinquent:
| 0 |
Current / open credit lines:
| 7
/
7 | Length of status: | 27y 8m |
|
Amount delinquent:
| $0 |
Total credit lines:
| 20 |
Occupation: | Other |
|
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $15,594 | Stated income: | $50,000-$74,999 |
|
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 51% | | |
| | |
Homeownership:
| Yes | | |
|
Screen name:
| newest-balance-pecan |
Borrower's state:
| Delaware |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Description
Debt consolidation
Purpose of loan: Debt consolidation
This loan will be used to...
My financial situation:
I am a good candidate for this loan because...I always pay what I owe
Monthly net income: $4500
Monthly expenses: $
Housing: $1100
Insurance: $
Car expenses: $500
Utilities: $200
Phone, cable, internet: $100
Food, entertainment: $700
Clothing, household expenses: $100
Credit cards and other loans: $200
Other expenses: $
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
643534
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
|
Amount:
| $2,000.00 |
Prosper Rating:
| HR |
Listing Duration:
| 14 days
|
|
Minimum Amount to Fund:
| $2,000 |
Estimated loss*:
| 16.75% | | |
|
Term:
| 36 months | | | | |
|
|
Lender yield:
| 30.77% |
Borrower rate/APR:
| 31.77% / 35.80% |
Monthly payment:
| $86.85 |
| |
|
Lender servicing fee:
| 1.00% |
Effective Yield*:
| 28.96% | | |
| |
Estimated return*:
| 12.21% | | |
* 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-2005 |
Debt/Income ratio:
| 15% |
|
Credit score:
| 660-679 (Sep-2012) |
Inquiries last 6m:
| 0 | Employment status: | Employed |
|
Now delinquent:
| 0 |
Current / open credit lines:
| 3
/
3 | Length of status: | 5y 8m |
|
Amount delinquent:
| $0 |
Total credit lines:
| 3 |
Occupation: | Sales - Retail |
|
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $4,927 | Stated income: | $1-$24,999 |
|
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 99% | | |
| | |
Homeownership:
| No | | |
|
Screen name:
| steady-principal219 |
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...help pay off my credit card
My financial situation:
I am a good candidate for this loan because...i pay each of my bill by their due dates
Monthly net income: $1500
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
643564
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:
| C |
Listing Duration:
| 14 days
|
|
Minimum Amount to Fund:
| $14,000 |
Estimated loss*:
| 8.49% | | |
|
Term:
| 36 months | | | | |
|
|
Lender yield:
| 19.99% |
Borrower rate/APR:
| 20.99% / 24.76% |
Monthly payment:
| $753.40 |
| |
|
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:
| Jun-1998 |
Debt/Income ratio:
| 21% |
|
Credit score:
| 780-799 (Sep-2012) |
Inquiries last 6m:
| 0 | Employment status: | Employed |
|
Now delinquent:
| 0 |
Current / open credit lines:
| 6
/
5 | Length of status: | 0y 7m |
|
Amount delinquent:
| $0 |
Total credit lines:
| 40 |
Occupation: | Executive |
|
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $105,819 | Stated income: | $100,000+ |
|
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 95% | | |
| | |
Homeownership:
| Yes | | |
|
Screen name:
| wise-engrossing-coin |
Borrower's state:
| Virginia |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Description
Credit Card Debt Consolidation
Purpose of loan:
This loan will be used to pay off an existing high interest credit card debt.
My financial situation:
I am a good candidate for this loan for the following reasons,
Currently making my credit card payments on time with no delays, this will definitely lower my payments so making timely payments is not be an issue.
Presently a Key Executive of a Corporation
Rainy day funds to cover emergencies should the need arise.
Monthly net income: $12,500.00
Monthly expenses: $2,000.00
Housing: $2999.50
Insurance: $231.00
Car expenses: $0.00
Utilities: $300.00
Phone, cable, internet: $150.00
Food, entertainment: $200.00
Clothing, household expenses: $300.00
Credit cards and other loans: $3500.00
Other expenses: $500.00
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
643612
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
|
Amount:
| $25,000.00 |
Prosper Rating:
| AA |
Listing Duration:
| 14 days
|
|
Minimum Amount to Fund:
| $25,000 |
Estimated loss*:
| 1.24% | | |
|
Term:
| 36 months | | | | |
|
|
Lender yield:
| 6.89% |
Borrower rate/APR:
| 7.89% / 9.23% |
Monthly payment:
| $782.14 |
| |
|
Lender servicing fee:
| 1.00% |
Effective Yield*:
| 6.89% | | |
| |
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:
| May-1992 |
Debt/Income ratio:
| 31% |
|
Credit score:
| 780-799 (Sep-2012) |
Inquiries last 6m:
| 0 | Employment status: | Employed |
|
Now delinquent:
| 0 |
Current / open credit lines:
| 7
/
7 | Length of status: | 5y 1m |
|
Amount delinquent:
| $0 |
Total credit lines:
| 12 |
Occupation: | Police Officer/Corr... |
|
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $34,587 | Stated income: | $50,000-$74,999 |
|
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 44% | | |
| | |
Homeownership:
| Yes | | |
|
Screen name:
| forthright-balance0 |
Borrower's state:
| Indiana |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Description
Debt consolidation
Purpose of loan:
This loan will be used to... consolidate high interest credit card debt.
My financial situation:
I am a attempting to consolidate high interest credit card debt after unexpected financial situation. This situation has been resolved.
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
643630
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):
| 4 |
First credit line:
| Feb-1977 |
Debt/Income ratio:
| 17% |
|
Credit score:
| 640-659 (Sep-2012) |
Inquiries last 6m:
| 2 | Employment status: | Employed |
|
Now delinquent:
| 0 |
Current / open credit lines:
| 15
/
9 | Length of status: | 1y 3m |
|
Amount delinquent:
| $0 |
Total credit lines:
| 44 |
Occupation: | Professional |
|
Public records last 12m / 10y:
| 0/ 2 |
Revolving credit balance:
| $8,589 | Stated income: | $100,000+ |
|
Delinquencies in last 7y:
| 23 |
Bankcard utilization:
| 99% | | |
| | |
Homeownership:
| No | | |
|
Screen name:
| safe-reward886 |
Borrower's state:
| NorthCarolina |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
| Loan history | Payment history | Credit score history |
|
Active / total loans:
| 1 / 1 |
On-time:
| 10 ( 100% )
| 640-659 (Latest)
|
|
Principal borrowed:
| $10,000.00 | < 31 days late:
| 0
( 0% )
| 660-679
(Oct-2011)
|
|
Principal balance:
| $7,951.09 |
31+ days late:
| 0
( 0% )
|
|
Total payments billed:
| 10 | | |
Description
Business
Purpose of loan: To expand my part-time consulting work. This loan will be used to create a professional website and for marketing materials. Eventually I want to be consulting full-time and hire two or more consultants to work for me.
My financial situation:
I am a good candidate for this loan because I have a perfect payment record on my current Prosper loan.
Monthly net income: $ 14,500
Monthly expenses: $
Housing: $ 2,100
Insurance: $ 235
Car expenses: $ 170
Utilities: $ 350
Phone, cable, internet: $ 190
Food, entertainment: $ 1,400
Clothing, household expenses: $ 600
Credit cards and other loans: $ 1,900
Other expenses: $ 2,700
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
640359
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
|
Amount:
| $15,000.00 |
Prosper Rating:
| C |
Listing Duration:
| 14 days
|
|
Minimum Amount to Fund:
| $10,500 |
Estimated loss*:
| 8.49% | | |
|
Term:
| 60 months | | | | |
|
|
Lender yield:
| 23.98% |
Borrower rate/APR:
| 24.98% / 27.55% |
Monthly payment:
| $440.09 |
| |
|
Lender servicing fee:
| 1.00% |
Effective Yield*:
| 23.41% | | |
| |
Estimated return*:
| 14.92% | | |
* 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):
| 7 |
First credit line:
| Nov-1995 |
Debt/Income ratio:
| 21% |
|
Credit score:
| 720-739 (Sep-2012) |
Inquiries last 6m:
| 4 | Employment status: | Employed |
|
Now delinquent:
| 0 |
Current / open credit lines:
| 9
/
9 | Length of status: | 5y 6m |
|
Amount delinquent:
| $0 |
Total credit lines:
| 28 |
Occupation: | Other |
|
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $12,023 | Stated income: | $75,000-$99,999 |
|
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 45% | | |
| | |
Homeownership:
| No | | |
|
Screen name:
| gain-labyrinth0 |
Borrower's state:
| Tennessee |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Description
Business
Purpose of loan:
This loan will be used to pay business expences.
My financial situation:
I am a good candidate for this loan because growing my business will allow me to raise my income more quickly.
Monthly net income: $6500.00
Monthly expenses: $4157.00
Housing: $1261.00
Insurance: $296.00
Car expenses: $800.00 until December than 450.00
Utilities: $200.00
Phone, cable, internet: $250.00
Food, entertainment: $500.00
Clothing, household expenses: $200.00
Credit cards and other loans: $500.00
Other expenses: $500.00
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
640361
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:
| Nov-1994 |
Debt/Income ratio:
| 18% |
|
Credit score:
| 740-759 (Sep-2012) |
Inquiries last 6m:
| 1 | Employment status: | Employed |
|
Now delinquent:
| 0 |
Current / open credit lines:
| 15
/
14 | Length of status: | 3y 3m |
|
Amount delinquent:
| $0 |
Total credit lines:
| 60 |
Occupation: | Professional |
|
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $29,765 | Stated income: | $100,000+ |
|
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 113% | | |
| | |
Homeownership:
| Yes | | |
|
Screen name:
| generosity-poblano4 |
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
Household Expenses
Purpose of loan:
This loan will be used to take care of some short term household bills.
My financial situation:
I am a good candidate for this loan because I have a great history of payment and I have the ability to pay the loan back on time based on agreed upon arrangements. I have money from rental property, and disability as well however, the timing of the payments will cause a small hardship that i would prefer to avoid if possible so i am requesting a small loan to be repaid within a 12 month span.
Monthly net income: $ 25000
Housing: $ 3300
Insurance: $ 150
Car expenses: $ 2800
Utilities: $ 400
Phone, cable, internet: $ 500
Food, entertainment: $ 500
Clothing, household expenses: $ 500
Credit cards and other loans: $ 1500
Other expenses: $
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
640383
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:
| Oct-1993 |
Debt/Income ratio:
| 34% |
|
Credit score:
| 680-699 (Sep-2012) |
Inquiries last 6m:
| 1 | Employment status: | Employed |
|
Now delinquent:
| 0 |
Current / open credit lines:
| 7
/
7 | Length of status: | 0y 9m |
|
Amount delinquent:
| $0 |
Total credit lines:
| 19 |
Occupation: | Administrative Assi... |
|
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $24,074 | Stated income: | $25,000-$49,999 |
|
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 83% | | |
| | |
Homeownership:
| Yes | | |
|
Screen name:
| auction-scrutinzer3 |
Borrower's state:
| Georgia |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Description
Home improvement
Purpose of loan:
This loan will be used to...interior upgrades on wholly owned property located at Bramwell, WV
My financial situation: I have other income options other than my current salary.
I am a good candidate for this loan because...The home I plan to do improvement to has been in my family since 1942 and needs some work. I have the ability to pay back this loan,
Monthly net income: $4232.00
Monthly expenses: $2000.00
Housing: $0
Insurance: $150.00
Car expenses: $300.00
Utilities: $200.00
Phone, cable, internet: $165.00
Food, entertainment: Clothing, household expenses: $600.00
Credit cards and other loans: $600.00
Other expenses: $
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
642315
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:
| D |
Listing Duration:
| 14 days
|
|
Minimum Amount to Fund:
| $5,950 |
Estimated loss*:
| 9.25% | | |
|
Term:
| 60 months | | | | |
|
|
Lender yield:
| 24.73% |
Borrower rate/APR:
| 25.73% / 28.32% |
Monthly payment:
| $253.14 |
| |
|
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:
| Sep-1987 |
Debt/Income ratio:
| 15% |
|
Credit score:
| 740-759 (Sep-2012) |
Inquiries last 6m:
| 2 | Employment status: | Employed |
|
Now delinquent:
| 1 |
Current / open credit lines:
| 9
/
9 | Length of status: | 2y 5m |
|
Amount delinquent:
| $230 |
Total credit lines:
| 20 |
Occupation: | Teacher's Aide |
|
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $541 | Stated income: | $25,000-$49,999 |
|
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 2% | | |
| | |
Homeownership:
| Yes | | |
|
Screen name:
| fund-bada-bing7 |
Borrower's state:
| Connecticut |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Description
Home improvement
Purpose of loan:
This loan will be used to...
My financial situation:
I am a good candidate for this loan because...
Monthly net income: $2500.00
Monthly expenses: $
Housing: $1213.00
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
642359
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:
| Sep-1983 |
Debt/Income ratio:
| 33% |
|
Credit score:
| 720-739 (Sep-2012) |
Inquiries last 6m:
| 1 | Employment status: | Employed |
|
Now delinquent:
| 0 |
Current / open credit lines:
| 9
/
7 | Length of status: | 34y 5m |
|
Amount delinquent:
| $0 |
Total credit lines:
| 34 |
Occupation: | Other |
|
Public records last 12m / 10y:
| 0/ 1 |
Revolving credit balance:
| $979 | Stated income: | $1-$24,999 |
|
Delinquencies in last 7y:
| 62 |
Bankcard utilization:
| 78% | | |
| | |
Homeownership:
| Yes | | |
|
Screen name:
| well-rounded-integrity4 |
Borrower's state:
| Ohio |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Description
Debt consolidation
Purpose of loan:
This loan will be used to...
pay credit cards off & repairs on roof of house
My financial situation:
I am a good candidate for this loan because...
I have steady job & pay my bills on time.
Monthly net income: $1700
Monthly expenses: $50
Housing: $575
Insurance: $122
Car expenses: $340
Utilities: $112
Phone, cable, internet: $45
Food, entertainment: $100
Clothing, household expenses: $50
Credit cards and other loans: $75
Other expenses: $30
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
642683
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
|
Amount:
| $2,000.00 |
Prosper Rating:
| HR |
Listing Duration:
| 14 days
|
|
Minimum Amount to Fund:
| $2,000 |
Estimated loss*:
| 16.75% | | |
|
Term:
| 36 months | | | | |
|
|
Lender yield:
| 30.77% |
Borrower rate/APR:
| 31.77% / 35.80% |
Monthly payment:
| $86.85 |
| |
|
Lender servicing fee:
| 1.00% |
Effective Yield*:
| 28.96% | | |
| |
Estimated return*:
| 12.21% | | |
* 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:
| Dec-2004 |
Debt/Income ratio:
| 8% |
|
Credit score:
| 680-699 (Sep-2012) |
Inquiries last 6m:
| 1 | Employment status: | Employed |
|
Now delinquent:
| 0 |
Current / open credit lines:
| 3
/
3 | Length of status: | 4y 6m |
|
Amount delinquent:
| $0 |
Total credit lines:
| 4 |
Occupation: | Nurse's Aide |
|
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $58 | Stated income: | $25,000-$49,999 |
|
Delinquencies in last 7y:
| 8 |
Bankcard utilization:
| 0% | | |
| | |
Homeownership:
| No | | |
|
Screen name:
| intrepid-money2 |
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
Auto repairs
Purpose of loan: Auto repairs
This loan will be used to...
Saa
My financial situation: Escondido federal credit union
I am a good candidate for this loan because... I have a good job
Monthly net income: $2400
Monthly expenses: $1100
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
642731
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:
| 36 months | | | | |
|
|
Lender yield:
| 26.10% |
Borrower rate/APR:
| 27.10% / 31.01% |
Monthly payment:
| $163.52 |
| |
|
Lender servicing fee:
| 1.00% |
Effective Yield*:
| 24.91% | | |
| |
Estimated return*:
| 12.16% | | |
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
|
Prosper score (1-10):
| 4 |
First credit line:
| May-1994 |
Debt/Income ratio:
| 28% |
|
Credit score:
| 760-779 (Sep-2012) |
Inquiries last 6m:
| 4 | Employment status: | Employed |
|
Now delinquent:
| 0 |
Current / open credit lines:
| 13
/
10 | Length of status: | 14y 3m |
|
Amount delinquent:
| $0 |
Total credit lines:
| 37 |
Occupation: | Laborer |
|
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $10,260 | Stated income: | $50,000-$74,999 |
|
Delinquencies in last 7y:
| 2 |
Bankcard utilization:
| 25% | | |
| | |
Homeownership:
| Yes | | |
|
Screen name:
| systematic-moola266 |
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...
My financial situation:
I am a good candidate for this loan because...
Monthly net income: $3.700.00
Monthly expenses: $1900.00
Housing: $765.00
Insurance: $100.00
Car expenses: $500,00
Utilities: $200.00
Phone, cable, internet: $150.00
Food, entertainment: $0
Clothing, household expenses: $
Credit cards and other loans: $200.00
Other expenses: $0
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
642749
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:
| 60 months | | | | |
|
|
Lender yield:
| 32.04% |
Borrower rate/APR:
| 33.04% / 35.84% |
Monthly payment:
| $136.98 |
| |
|
Lender servicing fee:
| 1.00% |
Effective Yield*:
| 30.57% | | |
| |
Estimated return*:
| 15.82% | | |
* 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):
| 5 |
First credit line:
| Feb-1998 |
Debt/Income ratio:
| Not calculated |
|
Credit score:
| 760-779 (Sep-2012) |
Inquiries last 6m:
| 2 | Employment status: | Other |
|
Now delinquent:
| 0 |
Current / open credit lines:
| 4
/
2 | Length of status: | 9y 0m |
|
Amount delinquent:
| $0 |
Total credit lines:
| 7 |
Occupation: | Other |
|
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $0 | Stated income: | $50,000-$74,999 |
|
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 0% | | |
| | |
Homeownership:
| No | | |
|
Screen name:
| unconquerable-principal8 |
Borrower's state:
| Kentucky |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Description
Home improvement
Purpose of loan: home repairs
This loan will be used to...fix up a home I will rent out
My financial situation: excellent
I am a good candidate for this loan because...I have a regular stream of income, as well as several accounts which provide me with interest. This loan will help me to increase my incoming revenue. If I find this works well for me, I will be able to pay it off early and possibly seek more loans in the future
Monthly net income: $ 2,800
Monthly expenses: $ 925
Housing: $ 0
Insurance: $ 113
Car expenses: $ 0
Utilities: $ 135
Phone, cable, internet: $ 75
Food, entertainment: $ 120
Clothing, household expenses: $ 50
Credit cards and other loans: $ 0
Other expenses: $ 0
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
642753
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:
| A |
Listing Duration:
| 14 days
|
|
Minimum Amount to Fund:
| $4,200 |
Estimated loss*:
| 2.49% | | |
|
Term:
| 36 months | | | | |
|
|
Lender yield:
| 8.74% |
Borrower rate/APR:
| 9.74% / 12.53% |
Monthly payment:
| $192.87 |
| |
|
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:
| Mar-2007 |
Debt/Income ratio:
| 33% |
|
Credit score:
| 780-799 (Sep-2012) |
Inquiries last 6m:
| 0 | Employment status: | Employed |
|
Now delinquent:
| 0 |
Current / open credit lines:
| 13
/
10 | Length of status: | 5y 7m |
|
Amount delinquent:
| $0 |
Total credit lines:
| 23 |
Occupation: | Tradesman - Electri... |
|
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $2,940 | Stated income: | $50,000-$74,999 |
|
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 24% | | |
| | |
Homeownership:
| Yes | | |
|
Screen name:
| resolute-basis6 |
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
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
642813
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*:
| 16.25% | | |
|
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:
| Nov-1993 |
Debt/Income ratio:
| 24% |
|
Credit score:
| 700-719 (Sep-2012) |
Inquiries last 6m:
| 5 | Employment status: | Employed |
|
Now delinquent:
| 0 |
Current / open credit lines:
| 5
/
5 | Length of status: | 9y 4m |
|
Amount delinquent:
| $0 |
Total credit lines:
| 26 |
Occupation: | Sales - Retail |
|
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $41,568 | Stated income: | $25,000-$49,999 |
|
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 88% | | |
| | |
Homeownership:
| No | | |
|
Screen name:
| authentic-penny5 |
Borrower's state:
| SouthCarolina |
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 buy business inventory. We recently moved to a larger location and am looking to add a load of liquidation appliances to our inventory. In the past these loads generally sell within a short time.
My financial situation: My financial situation is stable and my credit score is good.
Monthly net income: $3800
Monthly expenses: $1785
Housing: $700
Insurance: $135
Car expenses: $240
Utilities: $200
Phone, cable, internet: $160
Food, entertainment: $350
Clothing, household expenses: $
Credit cards and other loans: $
Other expenses: $
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
642831
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):
| 2 |
First credit line:
| Sep-1994 |
Debt/Income ratio:
| 37% |
|
Credit score:
| 620-639 (Sep-2012) |
Inquiries last 6m:
| 5 | Employment status: | Employed |
|
Now delinquent:
| 0 |
Current / open credit lines:
| 18
/
16 | Length of status: | 8y 2m |
|
Amount delinquent:
| $0 |
Total credit lines:
| 41 |
Occupation: | Professional |
|
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $10,519 | Stated income: | $75,000-$99,999 |
|
Delinquencies in last 7y:
| 26 |
Bankcard utilization:
| 68% | | |
| | |
Homeownership:
| Yes | | |
|
Screen name:
| JB47 |
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.
Prosper Activity
| Loan history | Payment history | Credit score history |
|
Active / total loans:
| 1 / 1 |
On-time:
| 12 ( 92% )
| 620-639 (Latest)
|
|
Principal borrowed:
| $3,500.00 | < 31 days late:
| 1
( 8% )
| 660-679
(Aug-2011)
700-719
(Oct-2010)
660-679
(Sep-2009)
640-659
(Aug-2009)
|
|
Principal balance:
| $2,632.02 |
31+ days late:
| 0
( 0% )
|
|
Total payments billed:
| 13 | | |
Description
Debt consolidation
Purpose of loan:
This loan will be used to pay off existing Personal loans that I have ane Credit Card loans.
My financial situation:
I am a good candidate for this loan because I have a prior Prosper loan which I have had for over a year with no late payments and all other bills are up to date...
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
642833
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:
| A |
Listing Duration:
| 14 days
|
|
Minimum Amount to Fund:
| $6,000 |
Estimated loss*:
| 2.49% | | |
|
Term:
| 36 months | | | | |
|
|
Lender yield:
| 8.74% |
Borrower rate/APR:
| 9.74% / 12.53% |
Monthly payment:
| $192.87 |
| |
|
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:
| Oct-1967 |
Debt/Income ratio:
| Not calculated |
|
Credit score:
| 820-839 (Sep-2012) |
Inquiries last 6m:
| 0 | Employment status: | Other |
|
Now delinquent:
| 0 |
Current / open credit lines:
| 1
/
1 | Length of status: | 38y 4m |
|
Amount delinquent:
| $0 |
Total credit lines:
| 10 |
Occupation: | Other |
|
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $83 | Stated income: | $1-$24,999 |
|
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 0% | | |
| | |
Homeownership:
| No | | |
|
Screen name:
| brightest-dinero-tsunami |
Borrower's state:
| Indiana |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Description
Home improvement
Purpose of loan:
This loan will be used to make general needed improvements on my home.
I am on a fixed income.
My financial situation:
I am a good candidate for this loan because my credit score is excellent and
I have never made a payment on any account that was late.
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
642863
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
|
Amount:
| $3,500.00 |
Prosper Rating:
| HR |
Listing Duration:
| 14 days
|
|
Minimum Amount to Fund:
| $2,450 |
Estimated loss*:
| 16.25% | | |
|
Term:
| 36 months | | | | |
|
|
Lender yield:
| 30.77% |
Borrower rate/APR:
| 31.77% / 35.80% |
Monthly payment:
| $151.99 |
| |
|
Lender servicing fee:
| 1.00% |
Effective Yield*:
| 28.96% | | |
| |
Estimated return*:
| 12.71% | | |
* 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:
| Jan-1989 |
Debt/Income ratio:
| 35% |
|
Credit score:
| 740-759 (Sep-2012) |
Inquiries last 6m:
| 2 | Employment status: | Employed |
|
Now delinquent:
| 1 |
Current / open credit lines:
| 8
/
9 | Length of status: | 32y 8m |
|
Amount delinquent:
| $2,598 |
Total credit lines:
| 27 |
Occupation: | Sales - Commission |
|
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $22,852 | Stated income: | $50,000-$74,999 |
|
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 58% | | |
| | |
Homeownership:
| Yes | | |
|
Screen name:
| green-durable-dollar |
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
642873
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:
| C |
Listing Duration:
| 14 days
|
|
Minimum Amount to Fund:
| $2,450 |
Estimated loss*:
| 8.49% | | |
|
Term:
| 36 months | | | | |
|
|
Lender yield:
| 19.99% |
Borrower rate/APR:
| 20.99% / 24.76% |
Monthly payment:
| $131.84 |
| |
|
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:
| Oct-1996 |
Debt/Income ratio:
| 14% |
|
Credit score:
| 680-699 (Sep-2012) |
Inquiries last 6m:
| 2 | Employment status: | Employed |
|
Now delinquent:
| 0 |
Current / open credit lines:
| 10
/
10 | Length of status: | 9y 9m |
|
Amount delinquent:
| $0 |
Total credit lines:
| 17 |
Occupation: | Sales - Commission |
|
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $9,764 | Stated income: | $100,000+ |
|
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 75% | | |
| | |
Homeownership:
| Yes | | |
|
Screen name:
| suave-return825 |
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
642891
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:
| $17,000.00 |
Prosper Rating:
| A |
Listing Duration:
| 14 days
|
|
Minimum Amount to Fund:
| $11,900 |
Estimated loss*:
| 2.49% | | |
|
Term:
| 36 months | | | | |
|
|
Lender yield:
| 8.74% |
Borrower rate/APR:
| 9.74% / 12.53% |
Monthly payment:
| $546.47 |
| |
|
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):
| 9 |
First credit line:
| Apr-2005 |
Debt/Income ratio:
| 21% |
|
Credit score:
| 740-759 (Sep-2012) |
Inquiries last 6m:
| 0 | Employment status: | Employed |
|
Now delinquent:
| 0 |
Current / open credit lines:
| 6
/
6 | Length of status: | 7y 5m |
|
Amount delinquent:
| $0 |
Total credit lines:
| 11 |
Occupation: | Other |
|
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $3,157 | Stated income: | $25,000-$49,999 |
|
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 28% | | |
| | |
Homeownership:
| No | | |
|
Screen name:
| velocity-mongoose |
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
Business
Purpose of loan:
This loan will be used to... help fund family business.
My financial situation:
I am a good candidate for this loan because...
I have excellent credit history and know how important it is to build and maintain excellent credit history.
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
642905
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:
| Jan-1989 |
Debt/Income ratio:
| 40% |
|
Credit score:
| 700-719 (Sep-2012) |
Inquiries last 6m:
| 3 | Employment status: | Employed |
|
Now delinquent:
| 0 |
Current / open credit lines:
| 12
/
11 | Length of status: | 16y 6m |
|
Amount delinquent:
| $0 |
Total credit lines:
| 26 |
Occupation: | Other |
|
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $44,681 | Stated income: | $25,000-$49,999 |
|
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 98% | | |
| | |
Homeownership:
| Yes | | |
|
Screen name:
| nimble-economy527 |
Borrower's state:
| Wisconsin |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Description
Home improvement
Purpose of loan:
This loan will be used to... build a new garage
My financial situation:
I am a good candidate for this loan because...
we are having a hard time getting a loan, even tho we can pay for it
Monthly net income: $4000
Monthly expenses: $
Housing: $700
Insurance: $140
Car expenses: $400
Utilities: $150
Phone, cable, internet: $130
Food, entertainment: $300
Clothing, household expenses: $200
Credit cards and other loans: $1800
Other expenses: $
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
642917
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
|
Amount:
| $15,500.00 |
Prosper Rating:
| A |
Listing Duration:
| 14 days
|
|
Minimum Amount to Fund:
| $10,850 |
Estimated loss*:
| 2.49% | | |
|
Term:
| 36 months | | | | |
|
|
Lender yield:
| 8.74% |
Borrower rate/APR:
| 9.74% / 12.53% |
Monthly payment:
| $498.25 |
| |
|
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):
| 9 |
First credit line:
| May-1998 |
Debt/Income ratio:
| 14% |
|
Credit score:
| 660-679 (Sep-2012) |
Inquiries last 6m:
| 0 | Employment status: | Employed |
|
Now delinquent:
| 1 |
Current / open credit lines:
| 7
/
6 | Length of status: | 6y 7m |
|
Amount delinquent:
| $0 |
Total credit lines:
| 28 |
Occupation: | Construction |
|
Public records last 12m / 10y:
| 0/ 2 |
Revolving credit balance:
| $15,517 | Stated income: | $75,000-$99,999 |
|
Delinquencies in last 7y:
| 23 |
Bankcard utilization:
| 55% | | |
| | |
Homeownership:
| No | | |
|
Screen name:
| ore-secret-agent3 |
Borrower's state:
| Massachusetts |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
| Loan history | Payment history | Credit score history |
|
Active / total loans:
| 1 / 1 |
On-time:
| 10 ( 91% )
| 660-679 (Latest)
|
|
Principal borrowed:
| $8,000.00 | < 31 days late:
| 1
( 9% )
| 760-779
(Sep-2011)
|
|
Principal balance:
| $5,899.11 |
31+ days late:
| 0
( 0% )
|
|
Total payments billed:
| 11 | | |
Description
Debt consolidation
Purpose of loan:
This loan will be used to payoff and consolidate my existing small debts and loans.
My financial situation:
I am a good candidate for this loan because my career is in a solid field of roofing construction and longevity with this company has been proven.
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
642945
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*:
| 6.49% | | |
|
Term:
| 60 months | | | | |
|
|
Lender yield:
| 21.18% |
Borrower rate/APR:
| 22.18% / 24.68% |
Monthly payment:
| $415.82 |
| |
|
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):
| 8 |
First credit line:
| Dec-1993 |
Debt/Income ratio:
| 5% |
|
Credit score:
| 700-719 (Sep-2012) |
Inquiries last 6m:
| 0 | Employment status: | Employed |
|
Now delinquent:
| 2 |
Current / open credit lines:
| 6
/
6 | Length of status: | 2y 3m |
|
Amount delinquent:
| $200 |
Total credit lines:
| 23 |
Occupation: | Executive |
|
Public records last 12m / 10y:
| 0/ 4 |
Revolving credit balance:
| $3,924 | Stated income: | $100,000+ |
|
Delinquencies in last 7y:
| 3 |
Bankcard utilization:
| 75% | | |
| | |
Homeownership:
| Yes | | |
|
Screen name:
| bold-greenback-poblano |
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
Taxes
Purpose of loan:
This loan will be used to... consolidate bills
My financial situation:
I am a good candidate for this loan because...I make a good imcome and have good credit
Monthly net income: $13200.00
Monthly expenses: $ 6500
Housing: $
Insurance: $
Car expenses: $
Utilities: $
Phone, cable, internet: $
Food, entertainment: $
Clothing, household expenses: $
Credit cards and other loans: $200
Other expenses: $
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
643417
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:
| C |
Listing Duration:
| 14 days
|
|
Minimum Amount to Fund:
| $6,650 |
Estimated loss*:
| 8.49% | | |
|
Term:
| 60 months | | | | |
|
|
Lender yield:
| 23.98% |
Borrower rate/APR:
| 24.98% / 27.55% |
Monthly payment:
| $278.73 |
| |
|
Lender servicing fee:
| 1.00% |
Effective Yield*:
| 23.41% | | |
| |
Estimated return*:
| 14.92% | | |
* 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):
| 6 |
First credit line:
| Mar-1987 |
Debt/Income ratio:
| Self-employed (DTI Not Calculated) |
|
Credit score:
| 780-799 (Sep-2012) |
Inquiries last 6m:
| 3 | Employment status: | Self-employed |
|
Now delinquent:
| 0 |
Current / open credit lines:
| 9
/
8 | Length of status: | 14y 3m |
|
Amount delinquent:
| $0 |
Total credit lines:
| 20 |
Occupation: | Investor |
|
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $4,549 | Stated income: | $50,000-$74,999 |
|
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 5% | | |
| | |
Homeownership:
| No | | |
|
Screen name:
| rupee-searcher6 |
Borrower's state:
| Georgia |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Description
Business
Purpose of loan:
This loan will be used to...
My financial situation:
I am a good candidate for this loan because...
Monthly net income: $ 82,000
Monthly expenses: $2857
Housing: $1,250
Insurance: $70
Car expenses: $325
Utilities: $212
Phone, cable, internet: $99
Food, entertainment: $350
Clothing, household expenses: $100
Credit cards and other loans: $200
Other expenses: $250
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
643489
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
|
Amount:
| $3,000.00 |
Prosper Rating:
| HR |
Listing Duration:
| 14 days
|
|
Minimum Amount to Fund:
| $2,100 |
Estimated loss*:
| 16.25% | | |
|
Term:
| 36 months | | | | |
|
|
Lender yield:
| 30.77% |
Borrower rate/APR:
| 31.77% / 35.80% |
Monthly payment:
| $130.28 |
| |
|
Lender servicing fee:
| 1.00% |
Effective Yield*:
| 28.96% | | |
| |
Estimated return*:
| 12.71% | | |
* 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):
| 5 |
First credit line:
| Jul-1965 |
Debt/Income ratio:
| Not calculated |
|
Credit score:
| 700-719 (Sep-2012) |
Inquiries last 6m:
| 6 | Employment status: | Other |
|
Now delinquent:
| 0 |
Current / open credit lines:
| 17
/
15 | Length of status: | 5y 4m |
|
Amount delinquent:
| $0 |
Total credit lines:
| 59 |
Occupation: | Other |
|
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $22,321 | Stated income: | $50,000-$74,999 |
|
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 28% | | |
| | |
Homeownership:
| No | | |
|
Screen name:
| reward-baton1 |
Borrower's state:
| California |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Description
Home improvement
Purpose of loan: home improvement
This loan will be used to... repair the roof on my daughters house.
My financial situation: I get retirement, rental income and social security
I am a good candidate for this loan because...I always pay my bills on time and dont like owing nobody.
Monthly net income: $ 4900
Monthly expenses: $ 1004
Housing: $ 0
Insurance: $ 79
Car expenses: $0
Utilities: $ 290
Phone, cable, internet: $ 60
Food, entertainment: $ 200
Clothing, household expenses: $ 150
Credit cards and other loans: $ 225
Other expenses: $ 0
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
643543
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:
| Jul-1994 |
Debt/Income ratio:
| 42% |
|
Credit score:
| 740-759 (Sep-2012) |
Inquiries last 6m:
| 0 | Employment status: | Employed |
|
Now delinquent:
| 1 |
Current / open credit lines:
| 3
/
4 | Length of status: | 12y 4m |
|
Amount delinquent:
| $105 |
Total credit lines:
| 12 |
Occupation: | Other |
|
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $1,665 | Stated income: | $1-$24,999 |
|
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 8% | | |
| | |
Homeownership:
| No | | |
|
Screen name:
| fairness-tamarack |
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
Green Loans
Purpose of loan:
This loan will be used to...
My financial situation:
I am a good candidate for this loan because...
Monthly net income: $
Monthly expenses: $
Housing: $
Insurance: $
Car expenses: $
Utilities: $
Phone, cable, internet: $
Food, entertainment: $
Clothing, household expenses: $
Credit cards and other loans: $2,000
Other expenses: $13,000
Information in the Description is not verified.