Listing Report:Supplement No. 48 dated Nov 02, 2012 to Prospectus dated Oct 05, 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 Oct 05, 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 Oct 05, 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
627343
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount:
| $15,000.00 |
Prosper Rating:
| A |
Listing Duration:
| 14 days
|
Minimum Amount to Fund:
| $15,000 |
Estimated loss*:
| 2.99% | | |
Term:
| 36 months | | | | |
|
Lender yield:
| 9.89% |
Borrower rate/APR:
| 10.89% / 13.70% |
Monthly payment:
| $490.30 |
|
Lender servicing fee:
| 1.00% |
Effective Yield*:
| 9.56% | | |
| |
Estimated return*:
| 6.57% | | |
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10):
| 7 |
First credit line:
| Apr-1985 |
Debt/Income ratio:
| 47% |
Credit score:
| 700-719 (Nov-2012) |
Inquiries last 6m:
| 1 | Employment status: | Employed |
Now delinquent:
| 0 |
Current / open credit lines:
| 10
/
6 | Length of status: | 34y 5m |
Amount delinquent:
| $0 |
Total credit lines:
| 45 |
Occupation: | Analyst |
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $26,466 | Stated income: | $25,000-$49,999 |
Delinquencies in last 7y:
| 3 |
Bankcard utilization:
| 36% | | |
| |
Homeownership:
| Yes | | |
Screen name:
| blue-respectful-penny |
Borrower's state:
| Michigan |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan history | Payment history | Credit score history |
Active / total loans:
| 0 / 1 |
On-time:
| 1 ( 100% )
| 700-719 (Latest)
|
Principal borrowed:
| $15,000.00 | < 31 days late:
| 0
( 0% )
| 720-739
(Mar-2012)
|
Principal balance:
| $0.00 |
31+ days late:
| 0
( 0% )
|
Total payments billed:
| 1 | | |
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 not behind in any of my payments I just want to pay them off sooner. Just trying to consolidate my payment and pay off my exsisting credit cards. I have been employed at the same employer for 33 years. My husband and I have been married for 28 years and we plan to retire in 5 years. I need to get my finanical situation under control and paid off.
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
663203
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount:
| $3,500.00 |
Prosper Rating:
| E |
Listing Duration:
| 14 days
|
Minimum Amount to Fund:
| $2,450 |
Estimated loss*:
| 14.25% | | |
Term:
| 36 months | | | | |
|
Lender yield:
| 28.32% |
Borrower rate/APR:
| 29.32% / 33.29% |
Monthly payment:
| $147.28 |
|
Lender servicing fee:
| 1.00% |
Effective Yield*:
| 25.75% | | |
| |
Estimated return*:
| 11.50% | | |
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10):
| 6 |
First credit line:
| Nov-2000 |
Debt/Income ratio:
| 28% |
Credit score:
| 680-699 (Nov-2012) |
Inquiries last 6m:
| 0 | Employment status: | Employed |
Now delinquent:
| 0 |
Current / open credit lines:
| 7
/
6 | Length of status: | 6y 3m |
Amount delinquent:
| $0 |
Total credit lines:
| 22 |
Occupation: | Biologist |
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $18,977 | Stated income: | $25,000-$49,999 |
Delinquencies in last 7y:
| 2 |
Bankcard utilization:
| 88% | | |
| |
Homeownership:
| No | | |
Screen name:
| meteoric-bid5 |
Borrower's state:
| NewYork |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Description
Relocation before med school
Purpose of loan:
This money will be used to fund travel expenses as I relocate to begin medical school
My financial situation:
I am a good candidate for this loan because I have a relatively high credit score and am not delinquent on any of my debts
Monthly net income: $2400
Monthly expenses: $1800
Housing: $600
Insurance: $0
Car expenses: $0
Utilities: $50
Phone, cable, internet: $150
Food, entertainment: $400
Clothing, household expenses: $100
Credit cards and other loans: $500
Other expenses: $0
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
663623
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*:
| 9.75% | | |
Term:
| 60 months | | | | |
|
Lender yield:
| 24.57% |
Borrower rate/APR:
| 25.57% / 28.16% |
Monthly payment:
| $356.24 |
|
Lender servicing fee:
| 1.00% |
Effective Yield*:
| 22.63% | | |
| |
Estimated return*:
| 12.88% | | |
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10):
| 4 |
First credit line:
| Aug-1999 |
Debt/Income ratio:
| 48% |
Credit score:
| 660-679 (Nov-2012) |
Inquiries last 6m:
| 4 | Employment status: | Employed |
Now delinquent:
| 1 |
Current / open credit lines:
| 20
/
20 | Length of status: | 4y 3m |
Amount delinquent:
| $252 |
Total credit lines:
| 28 |
Occupation: | Medical Technician |
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $19,206 | Stated income: | $50,000-$74,999 |
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 36% | | |
| |
Homeownership:
| No | | |
Screen name:
| enchanted-responsibility0 |
Borrower's state:
| NewHampshire |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan history | Payment history | Credit score history |
Active / total loans:
| 1 / 1 |
On-time:
| 8 ( 100% )
| 660-679 (Latest)
|
Principal borrowed:
| $15,000.00 | < 31 days late:
| 0
( 0% )
| 740-759
(Feb-2012)
|
Principal balance:
| $12,404.06 |
31+ days late:
| 0
( 0% )
|
Total payments billed:
| 8 | | |
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: $
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
663641
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount:
| $2,000.00 |
Prosper Rating:
| E |
Listing Duration:
| 14 days
|
Minimum Amount to Fund:
| $2,000 |
Estimated loss*:
| 14.25% | | |
Term:
| 12 months | | | | |
|
Lender yield:
| 22.78% |
Borrower rate/APR:
| 23.78% / 31.73% |
Monthly payment:
| $188.91 |
|
Lender servicing fee:
| 1.00% |
Effective Yield*:
| 20.70% | | |
| |
Estimated return*:
| 6.45% | | |
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10):
| 5 |
First credit line:
| Dec-1999 |
Debt/Income ratio:
| 27% |
Credit score:
| 740-759 (Oct-2012) |
Inquiries last 6m:
| 1 | Employment status: | Employed |
Now delinquent:
| 0 |
Current / open credit lines:
| 15
/
11 | Length of status: | 6y 5m |
Amount delinquent:
| $0 |
Total credit lines:
| 29 |
Occupation: | Professional |
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $3,352 | Stated income: | $50,000-$74,999 |
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 31% | | |
| |
Homeownership:
| Yes | | |
Screen name:
| first-class-generosity497 |
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
Household expenses
Purpose of loan:
This loan will be used to complete household projects.
My financial situation:
I am a good candidate for this loan because I have never had a late payment in my credit history and have paid all of my bills on time.
Monthly net income: $3500
Monthly expenses: $
Housing: $650
Insurance: $75
Car expenses: $350
Utilities: $150
Phone, cable, internet: $50
Food, entertainment: $200
Clothing, household expenses: $125
Credit cards and other loans: $450
Other expenses: $
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
663681
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*:
| 7.24% | | |
Term:
| 36 months | | | | |
|
Lender yield:
| 17.99% |
Borrower rate/APR:
| 18.99% / 22.71% |
Monthly payment:
| $549.76 |
|
Lender servicing fee:
| 1.00% |
Effective Yield*:
| 16.79% | | |
| |
Estimated return*:
| 9.55% | | |
* 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-1970 |
Debt/Income ratio:
| 63% |
Credit score:
| 720-739 (Nov-2012) |
Inquiries last 6m:
| 1 | Employment status: | Employed |
Now delinquent:
| 0 |
Current / open credit lines:
| 20
/
19 | Length of status: | 26y 8m |
Amount delinquent:
| $0 |
Total credit lines:
| 51 |
Occupation: | Other |
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $34,263 | Stated income: | $50,000-$74,999 |
Delinquencies in last 7y:
| 3 |
Bankcard utilization:
| 43% | | |
| |
Homeownership:
| No | | |
Screen name:
| the-inspiring-auction |
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
Home improvement
Purpose of loan:
This loan will be used to...Remodel a bathroom to ADA standards
My financial situation: stable
I am a good candidate for this loan because...Full time employed at same job for 26 yr.
Monthly net income: $6177.00
Monthly expenses: $1778.00
Housing: $350.00
Insurance: $300.00
Car expenses: $500.00
Utilities: $275.00 per mo.
Phone, cable, internet: $170.00
Food, entertainment: $480.00
Clothing, household expenses: $100.00
Credit cards and other loans: $350.00
Other expenses: $
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
663687
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount:
| $10,000.00 |
Prosper Rating:
| A |
Listing Duration:
| 14 days
|
Minimum Amount to Fund:
| $7,000 |
Estimated loss*:
| 2.49% | | |
Term:
| 36 months | | | | |
|
Lender yield:
| 8.74% |
Borrower rate/APR:
| 9.74% / 12.53% |
Monthly payment:
| $321.45 |
|
Lender servicing fee:
| 1.00% |
Effective Yield*:
| 8.49% | | |
| |
Estimated return*:
| 6.00% | | |
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10):
| 8 |
First credit line:
| Jun-2003 |
Debt/Income ratio:
| 32% |
Credit score:
| 740-759 (Nov-2012) |
Inquiries last 6m:
| 0 | Employment status: | Employed |
Now delinquent:
| 0 |
Current / open credit lines:
| 5
/
5 | Length of status: | 6y 9m |
Amount delinquent:
| $0 |
Total credit lines:
| 10 |
Occupation: | Other |
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $505 | Stated income: | $1-$24,999 |
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 19% | | |
| |
Homeownership:
| No | | |
Screen name:
| ninja313 |
Borrower's state:
| Washington |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan history | Payment history | Credit score history |
Active / total loans:
| 1 / 1 |
On-time:
| 13 ( 100% )
| 740-759 (Latest)
|
Principal borrowed:
| $4,000.00 | < 31 days late:
| 0
( 0% )
| 740-759
(Sep-2011)
|
Principal balance:
| $2,743.24 |
31+ days late:
| 0
( 0% )
|
Total payments billed:
| 13 | | |
Description
Help fund a destination wedding
No description is available.
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
663735
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:
| A |
Listing Duration:
| 14 days
|
Minimum Amount to Fund:
| $6,500 |
Estimated loss*:
| 2.49% | | |
Term:
| 60 months | | | | |
|
Lender yield:
| 11.23% |
Borrower rate/APR:
| 12.23% / 14.49% |
Monthly payment:
| $145.35 |
|
Lender servicing fee:
| 1.00% |
Effective Yield*:
| 10.91% | | |
| |
Estimated return*:
| 8.42% | | |
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10):
| 9 |
First credit line:
| Feb-2000 |
Debt/Income ratio:
| 18% |
Credit score:
| 700-719 (Nov-2012) |
Inquiries last 6m:
| 0 | Employment status: | Employed |
Now delinquent:
| 0 |
Current / open credit lines:
| 4
/
3 | Length of status: | 3y 11m |
Amount delinquent:
| $0 |
Total credit lines:
| 29 |
Occupation: | Other |
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $726 | Stated income: | $25,000-$49,999 |
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 29% | | |
| |
Homeownership:
| No | | |
Screen name:
| invincible-justice438 |
Borrower's state:
| Kentucky |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan history | Payment history | Credit score history |
Active / total loans:
| 1 / 1 |
On-time:
| 6 ( 100% )
| 700-719 (Latest)
|
Principal borrowed:
| $4,000.00 | < 31 days late:
| 0
( 0% )
| 740-759
(Apr-2012)
|
Principal balance:
| $3,451.82 |
31+ days late:
| 0
( 0% )
|
Total payments billed:
| 6 | | |
Description
Debt consolidation
Purpose of loan:
This loan will be used to consolidate existing debt following a divorce and lengthy court process to begin receiving child support payments from my ex spouse.
My financial situation:
I am a good candidate for this loan because I honor all of my debts and do not believe in taking an easy way out in any situation. I work hard in both my professional and personal lives and am very proud of my accomplishments in life and as a single, full-time father.
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
663807
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:
| AA |
Listing Duration:
| 14 days
|
Minimum Amount to Fund:
| $20,000 |
Estimated loss*:
| 1.99% | | |
Term:
| 36 months | | | | |
|
Lender yield:
| 7.64% |
Borrower rate/APR:
| 8.64% / 9.99% |
Monthly payment:
| $632.65 |
|
Lender servicing fee:
| 1.00% |
Effective Yield*:
| 7.46% | | |
| |
Estimated return*:
| 5.47% | | |
* 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:
| Aug-1990 |
Debt/Income ratio:
| 17% |
Credit score:
| 740-759 (Nov-2012) |
Inquiries last 6m:
| 1 | Employment status: | Employed |
Now delinquent:
| 1 |
Current / open credit lines:
| 11
/
10 | Length of status: | 5y 2m |
Amount delinquent:
| $0 |
Total credit lines:
| 29 |
Occupation: | Other |
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $20,223 | Stated income: | $100,000+ |
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 51% | | |
| |
Homeownership:
| No | | |
Screen name:
| stylish-dedication794 |
Borrower's state:
| Massachusetts |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Description
Debt consolidation
Purpose of loan:
This loan will be used to eliminate high interest credit card debt
My financial situation:
I am a good candidate for this loan because...
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
663843
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:
| C |
Listing Duration:
| 14 days
|
Minimum Amount to Fund:
| $8,400 |
Estimated loss*:
| 7.24% | | |
Term:
| 36 months | | | | |
|
Lender yield:
| 17.99% |
Borrower rate/APR:
| 18.99% / 22.71% |
Monthly payment:
| $439.81 |
|
Lender servicing fee:
| 1.00% |
Effective Yield*:
| 16.79% | | |
| |
Estimated return*:
| 9.55% | | |
* 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:
| Aug-1994 |
Debt/Income ratio:
| 36% |
Credit score:
| 700-719 (Nov-2012) |
Inquiries last 6m:
| 2 | Employment status: | Employed |
Now delinquent:
| 0 |
Current / open credit lines:
| 15
/
12 | Length of status: | 2y 0m |
Amount delinquent:
| $0 |
Total credit lines:
| 32 |
Occupation: | Analyst |
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $22,627 | Stated income: | $75,000-$99,999 |
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 99% | | |
| |
Homeownership:
| Yes | | |
Screen name:
| cash-gazer224 |
Borrower's state:
| Maryland |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan history | Payment history | Credit score history |
Active / total loans:
| 1 / 1 |
On-time:
| 6 ( 100% )
| 700-719 (Latest)
|
Principal borrowed:
| $12,000.00 | < 31 days late:
| 0
( 0% )
| 720-739
(Mar-2012)
|
Principal balance:
| $11,352.32 |
31+ days late:
| 0
( 0% )
|
Total payments billed:
| 6 | | |
Description
Debt consolidation
Purpose of loan:
This loan will be used to consolidate high interest loans and credit cards into one payment.
My financial situation:
I am a good candidate for this loan because I have solid credit and pay all my bills on time.
Monthly net income: $8000
Monthly expenses: $
Housing: $2100
Insurance: $150
Car expenses: $500
Utilities: $100
Phone, cable, internet: $200
Food, entertainment: $1000
Clothing, household expenses: $100
Credit cards and other loans: $3000
Other expenses: $
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
663895
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount:
| $10,000.00 |
Prosper Rating:
| E |
Listing Duration:
| 14 days
|
Minimum Amount to Fund:
| $7,000 |
Estimated loss*:
| 12.75% | | |
Term:
| 36 months | | | | |
|
Lender yield:
| 26.12% |
Borrower rate/APR:
| 27.12% / 31.03% |
Monthly payment:
| $408.90 |
|
Lender servicing fee:
| 1.00% |
Effective Yield*:
| 23.82% | | |
| |
Estimated return*:
| 11.07% | | |
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10):
| 3 |
First credit line:
| Nov-1985 |
Debt/Income ratio:
| 56% |
Credit score:
| 700-719 (Nov-2012) |
Inquiries last 6m:
| 0 | Employment status: | Employed |
Now delinquent:
| 1 |
Current / open credit lines:
| 12
/
12 | Length of status: | 7y 5m |
Amount delinquent:
| $2,196 |
Total credit lines:
| 36 |
Occupation: | Other |
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $17,347 | Stated income: | $25,000-$49,999 |
Delinquencies in last 7y:
| 3 |
Bankcard utilization:
| 53% | | |
| |
Homeownership:
| Yes | | |
Screen name:
| open-order6 |
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...
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
663903
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:
| AA |
Listing Duration:
| 14 days
|
Minimum Amount to Fund:
| $20,000 |
Estimated loss*:
| 1.24% | | |
Term:
| 36 months | | | | |
|
Lender yield:
| 6.89% |
Borrower rate/APR:
| 7.89% / 9.23% |
Monthly payment:
| $625.71 |
|
Lender servicing fee:
| 1.00% |
Effective Yield*:
| 6.78% | | |
| |
Estimated return*:
| 5.54% | | |
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10):
| 10 |
First credit line:
| Feb-1998 |
Debt/Income ratio:
| 2% |
Credit score:
| 820-839 (Nov-2012) |
Inquiries last 6m:
| 0 | Employment status: | Employed |
Now delinquent:
| 0 |
Current / open credit lines:
| 9
/
9 | Length of status: | 6y 8m |
Amount delinquent:
| $0 |
Total credit lines:
| 27 |
Occupation: | Retail Management |
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $3,848 | Stated income: | $100,000+ |
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 6% | | |
| |
Homeownership:
| Yes | | |
Screen name:
| agreement-trophy |
Borrower's state:
| Florida |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Description
Business
Purpose of loan:
This loan will be used to...bussiness acuasition
My financial situation:
I am a good candidate for this loan because...
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
663945
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*:
| 27.99% | | |
| |
Estimated return*:
| 11.24% | | |
* 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-2002 |
Debt/Income ratio:
| 16% |
Credit score:
| 680-699 (Nov-2012) |
Inquiries last 6m:
| 1 | Employment status: | Employed |
Now delinquent:
| 0 |
Current / open credit lines:
| 2
/
2 | Length of status: | 10y 6m |
Amount delinquent:
| $0 |
Total credit lines:
| 9 |
Occupation: | Military Enlisted |
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $3,015 | Stated income: | $50,000-$74,999 |
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 0% | | |
| |
Homeownership:
| No | | |
Screen name:
| fund-gusto8 |
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
Household Expenses
Purpose of loan:
This loan will be used to take care of unexpected personal exspenses
My financial situation:
I am a good candidate for this loan because I always pay my bills on time, and I will make an allotment out for the payments to come directly out of my paycheck.
Monthly net income: $50,000
Monthly expenses: $
Housing: $1,536
Insurance: $128
Car expenses: $489
Utilities: $114
Phone, cable, internet: $174
Food, entertainment: $75
Clothing, household expenses: $
Credit cards and other loans: $180
Other expenses: $
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
663963
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount:
| $10,000.00 |
Prosper Rating:
| C |
Listing Duration:
| 14 days
|
Minimum Amount to Fund:
| $10,000 |
Estimated loss*:
| 6.24% | | |
Term:
| 36 months | | | | |
|
Lender yield:
| 16.34% |
Borrower rate/APR:
| 17.34% / 21.03% |
Monthly payment:
| $358.22 |
|
Lender servicing fee:
| 1.00% |
Effective Yield*:
| 15.36% | | |
| |
Estimated return*:
| 9.12% | | |
* 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):
| 5 |
First credit line:
| Jan-1990 |
Debt/Income ratio:
| Self-employed (DTI Not Calculated) |
Credit score:
| 660-679 (Nov-2012) |
Inquiries last 6m:
| 2 | Employment status: | Self-employed |
Now delinquent:
| 0 |
Current / open credit lines:
| 9
/
9 | Length of status: | 22y 10m |
Amount delinquent:
| $0 |
Total credit lines:
| 10 |
Occupation: | Other |
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $8,802 | Stated income: | $75,000-$99,999 |
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 46% | | |
| |
Homeownership:
| No | | |
Screen name:
| WebMeetLive |
Borrower's state:
| Oregon |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan history | Payment history | Credit score history |
Active / total loans:
| 1 / 1 |
On-time:
| 13 ( 100% )
| 660-679 (Latest)
|
Principal borrowed:
| $10,000.00 | < 31 days late:
| 0
( 0% )
| 700-719
(Sep-2011)
|
Principal balance:
| $7,269.34 |
31+ days late:
| 0
( 0% )
|
Total payments billed:
| 13 | | |
Description
Debt consolidation
Purpose of loan:
This loan will be used to payoff the balance of my existing proper loan
($7,301.59), and pay down or off 2 credit card balances, while at the
same time reduce my prosper loan interest rate, as well as reduce
my current monthly payment.
My financial situation:
I am a GREAT candidate for this loan because I pay my bills on time.
Since I took out my original $10,000 loan with Prosper in September,
2011, I have consistently made my payment on time for the past year,
no late payments, and my credit scores have increased significantly.
I guess this could be considered a debt consolidation, which is why
I selected as my listing title. Although I am self employed, business
remains good, my income has not changed, and my expenses are
basically the same.
My current monthly payment to prosper ($408.20) is still manageable.
But if I can reduce the payment amount, while at the same time pull
out a few dollars more to pay off a couple of other debts, it just makes
sense.
Monthly net income: $4000 Average
Monthly expenses:
Housing: $1050
Insurance: $58.33
Car expenses: N/A
Utilities: $215
Phone, cable, internet: $250
Food, entertainment: $200
Clothing, household expenses: $100
Credit cards and other loans: $400 average
Other expenses: $
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
664011
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*:
| 9.25% | | |
Term:
| 36 months | | | | |
|
Lender yield:
| 20.99% |
Borrower rate/APR:
| 21.99% / 25.78% |
Monthly payment:
| $458.22 |
|
Lender servicing fee:
| 1.00% |
Effective Yield*:
| 19.37% | | |
| |
Estimated return*:
| 10.12% | | |
* 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):
| 6 |
First credit line:
| Sep-1991 |
Debt/Income ratio:
| 52% |
Credit score:
| 720-739 (Nov-2012) |
Inquiries last 6m:
| 0 | Employment status: | Employed |
Now delinquent:
| 0 |
Current / open credit lines:
| 5
/
4 | Length of status: | 0y 1m |
Amount delinquent:
| $0 |
Total credit lines:
| 9 |
Occupation: | Laborer |
Public records last 12m / 10y:
| 0/ 1 |
Revolving credit balance:
| $17,324 | Stated income: | $25,000-$49,999 |
Delinquencies in last 7y:
| 2 |
Bankcard utilization:
| 50% | | |
| |
Homeownership:
| No | | |
Screen name:
| keen-commitment393 |
Borrower's state:
| Alaska |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Description
Debt consolidation
Purpose of loan: Debt Consolidation
This loan will be used to... Consolidate current debt
My financial situation:
I am a good candidate for this loan because... I have a steady job, and am willing to repay the loan thru Automatic withdrawal from my checking account or payroll deduction
Monthly net income: $ 2500
Monthly expenses: $ 200
Housing: $0
Insurance: $50
Car expenses: $50
Utilities: $0
Phone, cable, internet: $100
Food, entertainment: $0
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
664267
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:
| 36 months | | | | |
|
Lender yield:
| 19.99% |
Borrower rate/APR:
| 20.99% / 24.76% |
Monthly payment:
| $565.05 |
|
Lender servicing fee:
| 1.00% |
Effective Yield*:
| 18.52% | | |
| |
Estimated return*:
| 10.03% | | |
* 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-1989 |
Debt/Income ratio:
| Not calculated |
Credit score:
| 800-819 (Nov-2012) |
Inquiries last 6m:
| 0 | Employment status: | Employed |
Now delinquent:
| 0 |
Current / open credit lines:
| 7
/
7 | Length of status: | 15y 10m |
Amount delinquent:
| $0 |
Total credit lines:
| 23 |
Occupation: | Construction |
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $43,417 | Stated income: | $50,000-$74,999 |
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 42% | | |
| |
Homeownership:
| Yes | | |
Screen name:
| green-enticing-affluence |
Borrower's state:
| Florida |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Description
other
Purpose of loan:
This loan will be used to consolidate debts and lower my interest rates in order to live more comfortably.
My financial situation:
I am a good candidate for this loan because i am a hard working business man with great credit. I always make payments on time and assume responsibilities for my responsibilities.
Monthly net income: $58000.00
Monthly expenses: $2000.00
Housing: $1200.00
Insurance: $100.00
Car expenses: $00
Utilities: $224.00
Phone, cable, internet: $00
Food, entertainment: $150.00
Clothing, household expenses: $50.00
Credit cards and other loans: $200.00
Other expenses: $00
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
664345
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*:
| 16.75% | | |
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*:
| 27.99% | | |
| |
Estimated return*:
| 11.24% | | |
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10):
| 4 |
First credit line:
| Mar-2004 |
Debt/Income ratio:
| 648% |
Credit score:
| 680-699 (Nov-2012) |
Inquiries last 6m:
| 0 | Employment status: | Other |
Now delinquent:
| 1 |
Current / open credit lines:
| 4
/
4 | Length of status: | 0y 7m |
Amount delinquent:
| $383 |
Total credit lines:
| 24 |
Occupation: | Other |
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $13 | Stated income: | $1-$24,999 |
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 0% | | |
| |
Homeownership:
| No | | |
Screen name:
| wise-funds-tweet |
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
Other
Purpose of loan:
This loan will be used to...
My financial situation:
I am a good candidate for this loan because...
Monthly net income: $700.00
Monthly expenses: $150.00
Housing: $0.00
Insurance: $0.00
Car expenses: $0.00
Utilities: $200.00
Phone, cable, internet: $50.00
Food, entertainment: $25.00
Clothing, household expenses: $0.00
Credit cards and other loans: $25.00
Other expenses: $0.00
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
664363
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:
| A |
Listing Duration:
| 14 days
|
Minimum Amount to Fund:
| $2,450 |
Estimated loss*:
| 2.49% | | |
Term:
| 36 months | | | | |
|
Lender yield:
| 8.74% |
Borrower rate/APR:
| 9.74% / 12.53% |
Monthly payment:
| $112.51 |
|
Lender servicing fee:
| 1.00% |
Effective Yield*:
| 8.49% | | |
| |
Estimated return*:
| 6.00% | | |
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10):
| 9 |
First credit line:
| Jun-1999 |
Debt/Income ratio:
| 10% |
Credit score:
| 800-819 (Nov-2012) |
Inquiries last 6m:
| 1 | Employment status: | Employed |
Now delinquent:
| 0 |
Current / open credit lines:
| 9
/
9 | Length of status: | 11y 5m |
Amount delinquent:
| $0 |
Total credit lines:
| 37 |
Occupation: | Engineer - Mechanic... |
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $2,983 | Stated income: | $100,000+ |
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 5% | | |
| |
Homeownership:
| Yes | | |
Screen name:
| Creidhe |
Borrower's state:
| RhodeIsland |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan history | Payment history | Credit score history |
Active / total loans:
| 0 / 5 |
On-time:
| 18 ( 100% )
| 800-819 (Latest)
|
Principal borrowed:
| $28,200.00 | < 31 days late:
| 0
( 0% )
| 780-799
(May-2011)
780-799
(Oct-2010)
760-779
(Apr-2010)
780-799
(Feb-2010)
|
Principal balance:
| $0.04 |
31+ days late:
| 0
( 0% )
|
Total payments billed:
| 18 | | |
Description
Debt Consolidation
Purpose of loan:
This loan will be used to consolidate some minor credit card debt.
My financial situation:
I am a good candidate for this loan because I have fantastic credit and a very stable job. I've had multiple loans though Propser and have never missed a payment.
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
664375
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount:
| $10,500.00 |
Prosper Rating:
| AA |
Listing Duration:
| 14 days
|
Minimum Amount to Fund:
| $7,350 |
Estimated loss*:
| 0.99% | | |
Term:
| 60 months | | | | |
|
Lender yield:
| 8.61% |
Borrower rate/APR:
| 9.61% / 11.82% |
Monthly payment:
| $221.08 |
|
Lender servicing fee:
| 1.00% |
Effective Yield*:
| 8.51% | | |
| |
Estimated return*:
| 7.52% | | |
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10):
| 10 |
First credit line:
| Nov-1976 |
Debt/Income ratio:
| 6% |
Credit score:
| 780-799 (Nov-2012) |
Inquiries last 6m:
| 2 | Employment status: | Employed |
Now delinquent:
| 0 |
Current / open credit lines:
| 4
/
4 | Length of status: | 12y 3m |
Amount delinquent:
| $0 |
Total credit lines:
| 20 |
Occupation: | Professional |
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $4,274 | Stated income: | $50,000-$74,999 |
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 10% | | |
| |
Homeownership:
| Yes | | |
Screen name:
| intelligent-loot210 |
Borrower's state:
| Florida |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Description
Large Purchases
Purpose of loan:
This loan will be used to...
My financial situation:
I am a good candidate for this loan because...
I HAVE AA CREDIT RATING NEVER LATE ON
ANY PAYMENTS ON ANY LOAN OR CREDIT CARD
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
664411
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount:
| $20,000.00 |
Prosper Rating:
| A |
Listing Duration:
| 14 days
|
Minimum Amount to Fund:
| $14,000 |
Estimated loss*:
| 2.74% | | |
Term:
| 60 months | | | | |
|
Lender yield:
| 11.71% |
Borrower rate/APR:
| 12.71% / 14.99% |
Monthly payment:
| $452.10 |
|
Lender servicing fee:
| 1.00% |
Effective Yield*:
| 11.35% | | |
| |
Estimated return*:
| 8.61% | | |
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10):
| 9 |
First credit line:
| Feb-2001 |
Debt/Income ratio:
| 9% |
Credit score:
| 840-859 (Nov-2012) |
Inquiries last 6m:
| 1 | Employment status: | Employed |
Now delinquent:
| 0 |
Current / open credit lines:
| 5
/
5 | Length of status: | 2y 5m |
Amount delinquent:
| $0 |
Total credit lines:
| 15 |
Occupation: | Administrative Assi... |
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $1,414 | Stated income: | $50,000-$74,999 |
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 4% | | |
| |
Homeownership:
| Yes | | |
Screen name:
| lean-currency5 |
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:
I will like to do some improvement on my home, do a new roof upgrade bathrooms, hardwood floors.
My financial situation:
I am a good candidate for this loan because, I am a very responsible person as you guys could see on my credit I always pay my accounts on time and pay off my loans as fast as possible.
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
664441
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*:
| 7.99% | | |
Term:
| 36 months | | | | |
|
Lender yield:
| 19.19% |
Borrower rate/APR:
| 20.19% / 23.94% |
Monthly payment:
| $130.41 |
|
Lender servicing fee:
| 1.00% |
Effective Yield*:
| 17.83% | | |
| |
Estimated return*:
| 9.84% | | |
* 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-1983 |
Debt/Income ratio:
| 15% |
Credit score:
| 640-659 (Nov-2012) |
Inquiries last 6m:
| 0 | Employment status: | Employed |
Now delinquent:
| 0 |
Current / open credit lines:
| 4
/
4 | Length of status: | 33y 6m |
Amount delinquent:
| $0 |
Total credit lines:
| 22 |
Occupation: | Other |
Public records last 12m / 10y:
| 0/ 1 |
Revolving credit balance:
| $3,681 | Stated income: | $25,000-$49,999 |
Delinquencies in last 7y:
| 44 |
Bankcard utilization:
| 90% | | |
| |
Homeownership:
| No | | |
Screen name:
| liberty-sumac3 |
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
Purpose of loan:
This loan will be used to fix the car
My financial situation:
I am a good candidate for this loan because I have good steady income and have a good job.
Monthly net income: $3,750
Monthly expenses: $1,92
Housing: $397
Insurance: $75
Car expenses: $320
Utilities: $45
Phone, cable, internet: $55
Food, entertainment: $500
Clothing, household expenses: $100
Credit cards and other loans: $100
Other expenses: $
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
664483
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount:
| $13,000.00 |
Prosper Rating:
| A |
Listing Duration:
| 14 days
|
Minimum Amount to Fund:
| $9,100 |
Estimated loss*:
| 2.49% | | |
Term:
| 36 months | | | | |
|
Lender yield:
| 8.74% |
Borrower rate/APR:
| 9.74% / 12.53% |
Monthly payment:
| $417.89 |
|
Lender servicing fee:
| 1.00% |
Effective Yield*:
| 8.49% | | |
| |
Estimated return*:
| 6.00% | | |
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10):
| 8 |
First credit line:
| Oct-1997 |
Debt/Income ratio:
| 33% |
Credit score:
| 720-739 (Nov-2012) |
Inquiries last 6m:
| 0 | Employment status: | Employed |
Now delinquent:
| 0 |
Current / open credit lines:
| 17
/
16 | Length of status: | 2y 5m |
Amount delinquent:
| $0 |
Total credit lines:
| 51 |
Occupation: | Professional |
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $51,009 | Stated income: | $100,000+ |
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 45% | | |
| |
Homeownership:
| No | | |
Screen name:
| magnetic-dedication3 |
Borrower's state:
| NewYork |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan history | Payment history | Credit score history |
Active / total loans:
| 0 / 1 |
On-time:
| 16 ( 100% )
| 720-739 (Latest)
|
Principal borrowed:
| $6,000.00 | < 31 days late:
| 0
( 0% )
| 700-719
(Aug-2011)
720-739
(Jan-2011)
|
Principal balance:
| $0.00 |
31+ days late:
| 0
( 0% )
|
Total payments billed:
| 16 | | |
Description
Debt consolidation
Purpose of loan:
This loan will be used to...
My financial situation:
I am a good candidate for this loan because...
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
643430
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*:
| 7.49% | | |
Term:
| 36 months | | | | |
|
Lender yield:
| 18.39% |
Borrower rate/APR:
| 19.39% / 23.12% |
Monthly payment:
| $552.80 |
|
Lender servicing fee:
| 1.00% |
Effective Yield*:
| 17.14% | | |
| |
Estimated return*:
| 9.65% | | |
* 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):
| 5 |
First credit line:
| Dec-1994 |
Debt/Income ratio:
| 41% |
Credit score:
| 640-659 (Oct-2012) |
Inquiries last 6m:
| 0 | Employment status: | Employed |
Now delinquent:
| 0 |
Current / open credit lines:
| 7
/
7 | Length of status: | 16y 3m |
Amount delinquent:
| $0 |
Total credit lines:
| 19 |
Occupation: | Other |
Public records last 12m / 10y:
| 0/ 1 |
Revolving credit balance:
| $17,480 | Stated income: | $25,000-$49,999 |
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 99% | | |
| |
Homeownership:
| No | | |
Screen name:
| commerce-whomper1 |
Borrower's state:
| NewJersey |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan history | Payment history | Credit score history |
Active / total loans:
| 1 / 1 |
On-time:
| 13 ( 100% )
| 640-659 (Latest)
|
Principal borrowed:
| $8,000.00 | < 31 days late:
| 0
( 0% )
| 620-639
(Sep-2012)
660-679
(Sep-2011)
|
Principal balance:
| $5,816.86 |
31+ days late:
| 0
( 0% )
|
Total payments billed:
| 13 | | |
Description
Debt consolidation
Purpose of loan: get pay off debt
This loan will be used to...
pay off my credit cards,and my loan
My financial situation: get pay off my debt soon asposible, and get better credit score
I am a good candidate for this loan because...
Monthly net income: $2540
Monthly expenses: $2031
Housing: $890
Insurance: $130
Car expenses: $100
Utilities: $35
Phone, cable, internet: $80
Food, entertainment: $150
Clothing, household expenses: $20
Credit cards and other loans: $626
Other expenses: $
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
648818
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:
| 36 months | | | | |
|
Lender yield:
| 22.46% |
Borrower rate/APR:
| 23.46% / 27.29% |
Monthly payment:
| $311.60 |
|
Lender servicing fee:
| 1.00% |
Effective Yield*:
| 20.64% | | |
| |
Estimated return*:
| 10.39% | | |
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10):
| 2 |
First credit line:
| May-1995 |
Debt/Income ratio:
| 37% |
Credit score:
| 660-679 (Nov-2012) |
Inquiries last 6m:
| 6 | Employment status: | Employed |
Now delinquent:
| 0 |
Current / open credit lines:
| 17
/
16 | Length of status: | 13y 1m |
Amount delinquent:
| $0 |
Total credit lines:
| 48 |
Occupation: | Administrative Assi... |
Public records last 12m / 10y:
| 0/ 2 |
Revolving credit balance:
| $5,624 | Stated income: | $25,000-$49,999 |
Delinquencies in last 7y:
| 13 |
Bankcard utilization:
| 60% | | |
| |
Homeownership:
| No | | |
Screen name:
| lawhen |
Borrower's state:
| California |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan history | Payment history | Credit score history |
Active / total loans:
| 1 / 2 |
On-time:
| 43 ( 96% )
| 660-679 (Latest)
|
Principal borrowed:
| $7,500.00 | < 31 days late:
| 2
( 4% )
| 680-699
(Dec-2011)
680-699
(Sep-2010)
680-699
(Feb-2008)
|
Principal balance:
| $3,130.59 |
31+ days late:
| 0
( 0% )
|
Total payments billed:
| 45 | | |
Description
Home improvement
Purpose of loan:
This loan will be used to...
My financial situation:
I am a good candidate for this loan because... I am hard worker and a responsible person.
Monthly net income: $3500
Monthly expenses: $2800
Housing: $1184
Insurance: $ 120
Car expenses: $445
Utilities: $ 100
Phone, cable, internet: $100
Food, entertainment: $300
Clothing, household expenses: $ 300
Credit cards and other loans: $ 200
Other expenses: $
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
657390
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount:
| $13,000.00 |
Prosper Rating:
| AA |
Listing Duration:
| 14 days
|
Minimum Amount to Fund:
| $9,100 |
Estimated loss*:
| 1.74% | | |
Term:
| 60 months | | | | |
|
Lender yield:
| 9.76% |
Borrower rate/APR:
| 10.76% / 12.99% |
Monthly payment:
| $281.10 |
|
Lender servicing fee:
| 1.00% |
Effective Yield*:
| 9.56% | | |
| |
Estimated return*:
| 7.82% | | |
* 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):
| 9 |
First credit line:
| Sep-2001 |
Debt/Income ratio:
| 9% |
Credit score:
| 760-779 (Oct-2012) |
Inquiries last 6m:
| 1 | Employment status: | Employed |
Now delinquent:
| 0 |
Current / open credit lines:
| 13
/
12 | Length of status: | 9y 2m |
Amount delinquent:
| $0 |
Total credit lines:
| 30 |
Occupation: | Executive |
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $15,872 | Stated income: | $100,000+ |
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 35% | | |
| |
Homeownership:
| Yes | | |
Screen name:
| wonderous-point7 |
Borrower's state:
| Florida |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Description
Other
Purpose of loan:
This loan will be used to pay for moving expenses and new household items after our move.
My financial situation:
I am a good candidate for this loan because I have great credit and have always paid any debt. I was recently given a promotion and have to relocate to Crystal River. The company does pay for relocation, but my wife and I would like to have extra funds in the bank for any unforeseen items.
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
658322
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount:
| $4,500.00 |
Prosper Rating:
| D |
Listing Duration:
| 14 days
|
Minimum Amount to Fund:
| $3,150 |
Estimated loss*:
| 10.25% | | |
Term:
| 60 months | | | | |
|
Lender yield:
| 25.24% |
Borrower rate/APR:
| 26.24% / 28.85% |
Monthly payment:
| $135.37 |
|
Lender servicing fee:
| 1.00% |
Effective Yield*:
| 23.20% | | |
| |
Estimated return*:
| 12.95% | | |
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10):
| 3 |
First credit line:
| Dec-1998 |
Debt/Income ratio:
| 38% |
Credit score:
| 660-679 (Oct-2012) |
Inquiries last 6m:
| 1 | Employment status: | Employed |
Now delinquent:
| 0 |
Current / open credit lines:
| 17
/
15 | Length of status: | 18y 1m |
Amount delinquent:
| $0 |
Total credit lines:
| 45 |
Occupation: | Other |
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $9,821 | Stated income: | $25,000-$49,999 |
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 86% | | |
| |
Homeownership:
| No | | |
Screen name:
| the-authentic-auction |
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.
Prosper Activity
Loan history | Payment history | Credit score history |
Active / total loans:
| 1 / 2 |
On-time:
| 29 ( 100% )
| 660-679 (Latest)
|
Principal borrowed:
| $16,000.00 | < 31 days late:
| 0
( 0% )
| 720-739
(Oct-2011)
700-719
(Apr-2010)
|
Principal balance:
| $8,842.12 |
31+ days late:
| 0
( 0% )
|
Total payments billed:
| 29 | | |
Description
Debt consolidation
No description is available.
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
661516
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*:
| 7.99% | | |
Term:
| 60 months | | | | |
|
Lender yield:
| 22.33% |
Borrower rate/APR:
| 23.33% / 25.86% |
Monthly payment:
| $425.71 |
|
Lender servicing fee:
| 1.00% |
Effective Yield*:
| 20.76% | | |
| |
Estimated return*:
| 12.77% | | |
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10):
| 6 |
First credit line:
| Aug-1987 |
Debt/Income ratio:
| Not calculated |
Credit score:
| 700-719 (Oct-2012) |
Inquiries last 6m:
| 0 | Employment status: | Other |
Now delinquent:
| 1 |
Current / open credit lines:
| 11
/
10 | Length of status: | 2y 1m |
Amount delinquent:
| $6,025 |
Total credit lines:
| 25 |
Occupation: | Other |
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $26,520 | Stated income: | $25,000-$49,999 |
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 63% | | |
| |
Homeownership:
| No | | |
Screen name:
| heartpounding-affluence9 |
Borrower's state:
| Washington |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Description
Debt consolidation
Purpose of loan:
This loan will be used to...
My financial situation:
I am a good candidate for this loan because...
Monthly net income: $3,000
Monthly expenses: $200
Housing: $living with friend (no rent)
Insurance: $200
Car expenses: $
Utilities: $
Phone, cable, internet: $50
Food, entertainment: $50
Clothing, household expenses: $50
Credit cards and other loans: $10,000
Other expenses: $
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
662082
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:
| 60 months | | | | |
|
Lender yield:
| 22.98% |
Borrower rate/APR:
| 23.98% / 26.53% |
Monthly payment:
| $143.78 |
|
Lender servicing fee:
| 1.00% |
Effective Yield*:
| 21.30% | | |
| |
Estimated return*:
| 12.81% | | |
* 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-2005 |
Debt/Income ratio:
| Self-employed (DTI Not Calculated) |
Credit score:
| 740-759 (Oct-2012) |
Inquiries last 6m:
| 0 | Employment status: | Self-employed |
Now delinquent:
| 0 |
Current / open credit lines:
| 5
/
3 | Length of status: | 1y 5m |
Amount delinquent:
| $0 |
Total credit lines:
| 13 |
Occupation: | Other |
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $4,223 | Stated income: | $1-$24,999 |
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 27% | | |
| |
Homeownership:
| No | | |
Screen name:
| euro-shepherd8 |
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
Household Expenses
Purpose of loan:
This loan will be used to...
1. Cover rent temporarily
2. Cover some household expenses not related to rent
3. Plan to start considerable repayment of loan within next 3 months.
My financial situation:
I am a good candidate for this loan because...
I am transitioning into a new career right now while also doing volunteer work with EMS. If this loan is approved, it will go to help household expenses that really need to be covered for the time being. Currently in NYC, all job fairs and trasportation to employment has been stalled due to the storm, so the ability to be able to get around has been hampered. Please consider issuing this loan. Thank you.
Monthly net income: $
Monthly expenses: $ 925.00
Housing: $600.00
Insurance: $
Car expenses: $
Utilities: $ 275.00
Phone, cable, internet: $ 125.00
Food, entertainment: $
Clothing, household expenses: $
Credit cards and other loans: $
Other expenses: $
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
663074
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*:
| 16.25% | | |
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*:
| 27.99% | | |
| |
Estimated return*:
| 11.74% | | |
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10):
| 6 |
First credit line:
| Jan-2004 |
Debt/Income ratio:
| 11% |
Credit score:
| 640-659 (Nov-2012) |
Inquiries last 6m:
| 1 | Employment status: | Employed |
Now delinquent:
| 0 |
Current / open credit lines:
| 7
/
7 | Length of status: | 5y 7m |
Amount delinquent:
| $0 |
Total credit lines:
| 24 |
Occupation: | Other |
Public records last 12m / 10y:
| 0/ 1 |
Revolving credit balance:
| $473 | Stated income: | $25,000-$49,999 |
Delinquencies in last 7y:
| 16 |
Bankcard utilization:
| 94% | | |
| |
Homeownership:
| No | | |
Screen name:
| repayment-equalizer1 |
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
No description is available.
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
663156
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*:
| 10.25% | | |
Term:
| 60 months | | | | |
|
Lender yield:
| 25.24% |
Borrower rate/APR:
| 26.24% / 28.85% |
Monthly payment:
| $451.24 |
|
Lender servicing fee:
| 1.00% |
Effective Yield*:
| 23.20% | | |
| |
Estimated return*:
| 12.95% | | |
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10):
| 6 |
First credit line:
| Sep-1987 |
Debt/Income ratio:
| 16% |
Credit score:
| 700-719 (Oct-2012) |
Inquiries last 6m:
| 1 | Employment status: | Other |
Now delinquent:
| 1 |
Current / open credit lines:
| 10
/
7 | Length of status: | 0y 4m |
Amount delinquent:
| $14,374 |
Total credit lines:
| 33 |
Occupation: | Other |
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $35,741 | Stated income: | $75,000-$99,999 |
Delinquencies in last 7y:
| 1 |
Bankcard utilization:
| 96% | | |
| |
Homeownership:
| Yes | | |
Screen name:
| enthusiastic-investment7 |
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 payoff credit card debt. The monthly payments for this loan will be less than the credit card debt and give me at least $300.00 more per month to save as a cushion.
My financial situation:
I am a good candidate for this loan because I can make the monthly payments and will pay the entire loan off in less than three years. I receive retirement benefits rental payments that add up to over $6,800.00 per month.
Monthly net income: $6800.00
Monthly expenses: $6654.00
Housing: $3790..00 (The unit I rent and the condo I own)
Insurance: $200.00
Car expenses: $160.00
Utilities: $170.00
Phone, cable, internet: $165.00
Food, entertainment: $500.00
Clothing, household expenses: $100.00
Credit cards and other loans: $1400.00
Other expenses: $169 (gym membership)
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
663246
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*:
| 6.49% | | |
Term:
| 60 months | | | | |
|
Lender yield:
| 20.18% |
Borrower rate/APR:
| 21.18% / 23.66% |
Monthly payment:
| $543.09 |
|
Lender servicing fee:
| 1.00% |
Effective Yield*:
| 18.95% | | |
| |
Estimated return*:
| 12.46% | | |
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10):
| 8 |
First credit line:
| Nov-1998 |
Debt/Income ratio:
| 16% |
Credit score:
| 680-699 (Oct-2012) |
Inquiries last 6m:
| 0 | Employment status: | Employed |
Now delinquent:
| 0 |
Current / open credit lines:
| 4
/
4 | Length of status: | 0y 4m |
Amount delinquent:
| $0 |
Total credit lines:
| 29 |
Occupation: | Analyst |
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $22,355 | Stated income: | $75,000-$99,999 |
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 81% | | |
| |
Homeownership:
| No | | |
Screen name:
| attractive-dime390 |
Borrower's state:
| Massachusetts |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Description
Debt consolidation
Purpose of loan: Debt consolidation
This loan will be used to pay off two credit cards whose balances total $20k
My financial situation: Stable
I am a good candidate for this loan because because I pay my bills (rent, utilities, credit cards, etc) on time every month and I have a full-time job with a good salary ($80k/yr)
Monthly net income: $4,200
Monthly expenses: $3,400
Housing: $1,500/month
Insurance: I don't own a car so no insurance and my health insurance is through my employer and is already subtracted from my monthly income figure above
Car expenses: None
Utilities: $75/month
Phone, cable, internet: $250/month
Food, entertainment: $250/month
Clothing, household expenses: $50/month
Credit cards and other loans: $1,200/month (two credit cards and student loans)
Other expenses: $75/month
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
663464
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount:
| $16,000.00 |
Prosper Rating:
| A |
Listing Duration:
| 14 days
|
Minimum Amount to Fund:
| $11,200 |
Estimated loss*:
| 2.74% | | |
Term:
| 60 months | | | | |
|
Lender yield:
| 11.71% |
Borrower rate/APR:
| 12.71% / 14.99% |
Monthly payment:
| $361.68 |
|
Lender servicing fee:
| 1.00% |
Effective Yield*:
| 11.35% | | |
| |
Estimated return*:
| 8.61% | | |
* 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:
| Oct-2006 |
Debt/Income ratio:
| 19% |
Credit score:
| 760-779 (Nov-2012) |
Inquiries last 6m:
| 2 | Employment status: | Employed |
Now delinquent:
| 0 |
Current / open credit lines:
| 13
/
13 | Length of status: | 8y 4m |
Amount delinquent:
| $0 |
Total credit lines:
| 29 |
Occupation: | Construction |
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $6,561 | Stated income: | $100,000+ |
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 18% | | |
| |
Homeownership:
| Yes | | |
Screen name:
| progressive-deal815 |
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
Large Purchases
Purpose of loan:
This loan will be used to for several large purchases including customizing my jeep and F250, I have money in retirement but I'd like to keep that there .
My financial situation:
I am a good candidate for this loan because I always pay back debt on time and have always been reliable
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
663500
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount:
| $5,000.00 |
Prosper Rating:
| D |
Listing Duration:
| 14 days
|
Minimum Amount to Fund:
| $3,500 |
Estimated loss*:
| 9.75% | | |
Term:
| 60 months | | | | |
|
Lender yield:
| 24.57% |
Borrower rate/APR:
| 25.57% / 28.16% |
Monthly payment:
| $148.43 |
|
Lender servicing fee:
| 1.00% |
Effective Yield*:
| 22.63% | | |
| |
Estimated return*:
| 12.88% | | |
* 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-2007 |
Debt/Income ratio:
| Not calculated |
Credit score:
| 640-659 (Nov-2012) |
Inquiries last 6m:
| 0 | Employment status: | Employed |
Now delinquent:
| 0 |
Current / open credit lines:
| 2
/
2 | Length of status: | 1y 1m |
Amount delinquent:
| $0 |
Total credit lines:
| 12 |
Occupation: | Sales - Retail |
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $0 | Stated income: | $25,000-$49,999 |
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 0% | | |
| |
Homeownership:
| No | | |
Screen name:
| credible-generosity8 |
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.
Prosper Activity
Loan history | Payment history | Credit score history |
Active / total loans:
| 1 / 1 |
On-time:
| 18 ( 100% )
| 640-659 (Latest)
|
Principal borrowed:
| $4,000.00 | < 31 days late:
| 0
( 0% )
| 640-659
(Apr-2011)
|
Principal balance:
| $2,427.50 |
31+ days late:
| 0
( 0% )
|
Total payments billed:
| 18 | | |
Description
Help me accomplish my dreams!
Purpose of loan: I am an American living in the UK, as I have been for the past year. My current prosper loan facilitated my move, and this loan will be used to continue to facilitate my photography in the UK. This community has been such an incredible help with my past photographic endeavours over the last year. With the money I previously received, I have purchased many new bits of equipment, and this loan will go towards a studio setup as well as potentially some new technology.
My financial situation:
I am currently employed by Apple here in the UK with steady wages once a month with opportunities to work more hours and potential wage increases. I have had a prosper loan for almost a year and a half now and have no missed a single payment.
Monthly net income: Approx ?1000 (Approx $1600)
Housing: ?150 (Approx $240)
Phone, cable, internet: ?40 (Approx $65)
Credit cards and other loans: ?300 (Approx $500)
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
663510
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*:
| 16.25% | | |
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*:
| 27.99% | | |
| |
Estimated return*:
| 11.74% | | |
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10):
| 6 |
First credit line:
| Nov-2002 |
Debt/Income ratio:
| 8% |
Credit score:
| 640-659 (Nov-2012) |
Inquiries last 6m:
| 4 | Employment status: | Employed |
Now delinquent:
| 2 |
Current / open credit lines:
| 6
/
6 | Length of status: | 9y 0m |
Amount delinquent:
| $148 |
Total credit lines:
| 13 |
Occupation: | Tradesman - Electri... |
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $1,528 | Stated income: | $50,000-$74,999 |
Delinquencies in last 7y:
| 8 |
Bankcard utilization:
| 66% | | |
| |
Homeownership:
| Yes | | |
Screen name:
| enterprising-value15 |
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 consoliation
Purpose of loan:
This loan will be used to...
My financial situation:
I am a good candidate for this loan because...
Monthly net income: $5922
Monthly expenses: $
Housing: $2800
Insurance: $250
Car expenses: $
Utilities: $300
Phone, cable, internet: $148
Food, entertainment: $150
Clothing, household expenses: $350
Credit cards and other loans: $807
Other expenses: $450
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
663548
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*:
| 1.74% | | |
Term:
| 60 months | | | | |
|
Lender yield:
| 9.76% |
Borrower rate/APR:
| 10.76% / 12.99% |
Monthly payment:
| $540.57 |
|
Lender servicing fee:
| 1.00% |
Effective Yield*:
| 9.56% | | |
| |
Estimated return*:
| 7.82% | | |
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10):
| 8 |
First credit line:
| Apr-1993 |
Debt/Income ratio:
| 16% |
Credit score:
| 780-799 (Nov-2012) |
Inquiries last 6m:
| 1 | Employment status: | Employed |
Now delinquent:
| 0 |
Current / open credit lines:
| 6
/
4 | Length of status: | 0y 5m |
Amount delinquent:
| $0 |
Total credit lines:
| 20 |
Occupation: | Analyst |
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $24,579 | Stated income: | $75,000-$99,999 |
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 75% | | |
| |
Homeownership:
| Yes | | |
Screen name:
| first-asset-flan |
Borrower's state:
| Colorado |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Description
Debt consolidation
Purpose of loan:
This loan will be used to consolidate current unsecured debt (credit cards)
My financial situation:
I am a good candidate for this loan because I have a steady full time job and the ability to make the monthly payments. I was unemployed for a few months and had some unforeseen expenses at the same time that caused this issue. Providing this loan with a lower monthly payment than what I?m doing now will allow me to also save some for future unknowns or to further pay down the loan as needed.
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
663566
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount:
| $8,500.00 |
Prosper Rating:
| C |
Listing Duration:
| 14 days
|
Minimum Amount to Fund:
| $8,500 |
Estimated loss*:
| 8.49% | | |
Term:
| 36 months | | | | |
|
Lender yield:
| 19.99% |
Borrower rate/APR:
| 20.99% / 24.76% |
Monthly payment:
| $320.19 |
|
Lender servicing fee:
| 1.00% |
Effective Yield*:
| 18.52% | | |
| |
Estimated return*:
| 10.03% | | |
* 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-1998 |
Debt/Income ratio:
| Not calculated |
Credit score:
| 720-739 (Nov-2012) |
Inquiries last 6m:
| 2 | Employment status: | Other |
Now delinquent:
| 0 |
Current / open credit lines:
| 18
/
9 | Length of status: | 10y 1m |
Amount delinquent:
| $0 |
Total credit lines:
| 51 |
Occupation: | Other |
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $11,779 | Stated income: | $50,000-$74,999 |
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 46% | | |
| |
Homeownership:
| No | | |
Screen name:
| ore-jam344 |
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
Medical/Dental
Purpose of loan: Medical
This loan will be used to... Surgical
My financial situation: Good
I am a good candidate for this loan because... I am responsible and always pay my bills on time.
Monthly net income: $ 3,500
Monthly expenses: $2,000
Housing: $753.0
Insurance: $83.00
Car expenses: $243.52
Utilities: $ 75.00
Phone, cable, internet: $97.00
Food, entertainment: $400.00
Clothing, household expenses: $
Credit cards and other loans: $ 150
Other expenses: $
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
663614
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount:
| $4,000.00 |
Prosper Rating:
| AA |
Listing Duration:
| 14 days
|
Minimum Amount to Fund:
| $2,800 |
Estimated loss*:
| 0.74% | | |
Term:
| 36 months | | | | |
|
Lender yield:
| 6.24% |
Borrower rate/APR:
| 7.24% / 8.58% |
Monthly payment:
| $123.95 |
|
Lender servicing fee:
| 1.00% |
Effective Yield*:
| 6.18% | | |
| |
Estimated return*:
| 5.44% | | |
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10):
| 10 |
First credit line:
| Sep-1998 |
Debt/Income ratio:
| 11% |
Credit score:
| 780-799 (Nov-2012) |
Inquiries last 6m:
| 0 | Employment status: | Employed |
Now delinquent:
| 0 |
Current / open credit lines:
| 10
/
10 | Length of status: | 12y 4m |
Amount delinquent:
| $0 |
Total credit lines:
| 15 |
Occupation: | Administrative Assi... |
Public records last 12m / 10y:
| 0/ 1 |
Revolving credit balance:
| $4,449 | Stated income: | $50,000-$74,999 |
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 19% | | |
| |
Homeownership:
| Yes | | |
Screen name:
| nourishing-loan2 |
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...
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
663674
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:
| AA |
Listing Duration:
| 14 days
|
Minimum Amount to Fund:
| $10,500 |
Estimated loss*:
| 1.74% | | |
Term:
| 60 months | | | | |
|
Lender yield:
| 9.76% |
Borrower rate/APR:
| 10.76% / 12.99% |
Monthly payment:
| $324.34 |
|
Lender servicing fee:
| 1.00% |
Effective Yield*:
| 9.56% | | |
| |
Estimated return*:
| 7.82% | | |
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10):
| 8 |
First credit line:
| Aug-1992 |
Debt/Income ratio:
| Not calculated |
Credit score:
| 800-819 (Nov-2012) |
Inquiries last 6m:
| 0 | Employment status: | Other |
Now delinquent:
| 0 |
Current / open credit lines:
| 6
/
6 | Length of status: | 3y 6m |
Amount delinquent:
| $0 |
Total credit lines:
| 26 |
Occupation: | Other |
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $8,112 | Stated income: | $1-$24,999 |
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 23% | | |
| |
Homeownership:
| Yes | | |
Screen name:
| principal-genetics3 |
Borrower's state:
| Vermont |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Description
Debt consolidation
Purpose of loan:
This loan will be used to consolidate debt to lower payment
My financial situation:
I am a good candidate for this loan because I have good credit and conslidating to lower payment will help me maintain it.
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
663692
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount:
| $8,000.00 |
Prosper Rating:
| A |
Listing Duration:
| 14 days
|
Minimum Amount to Fund:
| $5,600 |
Estimated loss*:
| 2.49% | | |
Term:
| 60 months | | | | |
|
Lender yield:
| 11.23% |
Borrower rate/APR:
| 12.23% / 14.49% |
Monthly payment:
| $178.89 |
|
Lender servicing fee:
| 1.00% |
Effective Yield*:
| 10.91% | | |
| |
Estimated return*:
| 8.42% | | |
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10):
| 9 |
First credit line:
| Dec-1995 |
Debt/Income ratio:
| 12% |
Credit score:
| 720-739 (Nov-2012) |
Inquiries last 6m:
| 0 | Employment status: | Employed |
Now delinquent:
| 1 |
Current / open credit lines:
| 8
/
7 | Length of status: | 2y 1m |
Amount delinquent:
| $0 |
Total credit lines:
| 35 |
Occupation: | Construction |
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $5,195 | Stated income: | $75,000-$99,999 |
Delinquencies in last 7y:
| 8 |
Bankcard utilization:
| 39% | | |
| |
Homeownership:
| Yes | | |
Screen name:
| roughrider46 |
Borrower's state:
| Michigan |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Description
construction
I will be using this loan for the construction on my garage, the rest of the expenses for the garage will be paid in cash. I didn't want to refi the house to get the garage completed, thought this would be a better method. I would like a loan which doesn't have a early payoff fee. All my payments are made on time if not early, and loans are paid off earlier then the term if at all possible.
Thanks for your consideration and time.
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
663722
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*:
| 27.99% | | |
| |
Estimated return*:
| 11.24% | | |
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10):
| 5 |
First credit line:
| Dec-1998 |
Debt/Income ratio:
| 20% |
Credit score:
| 680-699 (Nov-2012) |
Inquiries last 6m:
| 3 | Employment status: | Employed |
Now delinquent:
| 0 |
Current / open credit lines:
| 10
/
9 | Length of status: | 15y 3m |
Amount delinquent:
| $0 |
Total credit lines:
| 26 |
Occupation: | Postal Service |
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $14,054 | Stated income: | $50,000-$74,999 |
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 88% | | |
| |
Homeownership:
| Yes | | |
Screen name:
| agreement-rascal9 |
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
auto repairs
Purpose of loan:
This loan will be used to...
My financial situation:
I am a good candidate for this loan because...
Monthly net income: $
Monthly expenses: $
Housing: $
Insurance: $
Car expenses: $
Utilities: $
Phone, cable, internet: $
Food, entertainment: $
Clothing, household expenses: $
Credit cards and other loans: $
Other expenses: $
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
663768
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount:
| $5,000.00 |
Prosper Rating:
| D |
Listing Duration:
| 14 days
|
Minimum Amount to Fund:
| $3,500 |
Estimated loss*:
| 11.25% | | |
Term:
| 60 months | | | | |
|
Lender yield:
| 26.59% |
Borrower rate/APR:
| 27.59% / 30.23% |
Monthly payment:
| $154.44 |
|
Lender servicing fee:
| 1.00% |
Effective Yield*:
| 24.35% | | |
| |
Estimated return*:
| 13.10% | | |
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10):
| 7 |
First credit line:
| Aug-1971 |
Debt/Income ratio:
| 21% |
Credit score:
| 660-679 (Nov-2012) |
Inquiries last 6m:
| 0 | Employment status: | Employed |
Now delinquent:
| 2 |
Current / open credit lines:
| 5
/
7 | Length of status: | 3y 1m |
Amount delinquent:
| $1,675 |
Total credit lines:
| 19 |
Occupation: | Other |
Public records last 12m / 10y:
| 0/ 1 |
Revolving credit balance:
| $8,272 | Stated income: | $25,000-$49,999 |
Delinquencies in last 7y:
| 4 |
Bankcard utilization:
| 30% | | |
| |
Homeownership:
| Yes | | |
Screen name:
| return-framework2 |
Borrower's state:
| Louisiana |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Description
Debt consolidation
Purpose of loan:
This loan will be used to lower my debt which I have gotten into since Hurricane Katrina. My goal is to get in good finacial standing so I can strive to build up my saving for the future.
My financial situation:
I am a good candidate for this loan because I am a very dedicated employee to my career. I just want to prepare for my future. I am determined to build my life and savings back up after many road blocks.
This part was somehow deleted by me and was unable to retrieve it. The itemized list I can redo this at any time.
Monthly expenses: $1500.00
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
663780
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*:
| 19.37% | | |
| |
Estimated return*:
| 10.12% | | |
* 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):
| 6 |
First credit line:
| Dec-1982 |
Debt/Income ratio:
| 15% |
Credit score:
| 740-759 (Nov-2012) |
Inquiries last 6m:
| 6 | Employment status: | Employed |
Now delinquent:
| 0 |
Current / open credit lines:
| 5
/
5 | Length of status: | 9y 8m |
Amount delinquent:
| $0 |
Total credit lines:
| 15 |
Occupation: | Other |
Public records last 12m / 10y:
| 0/ 1 |
Revolving credit balance:
| $2,595 | Stated income: | $75,000-$99,999 |
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 56% | | |
| |
Homeownership:
| Yes | | |
Screen name:
| handy-loan4 |
Borrower's state:
| RhodeIsland |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Description
Business
Purpose of loan:
This loan will be used to clear some accounts payable and start a marketing campaign for 2013.
My financial situation:
I am a good candidate for this loan because I own a $3 million insurance agency that is growing every year. My payment history (which you can see from my credit report) has been flawless over the last couple of years.
Monthly net income: $5000
Monthly expenses: $300
Housing: $1500
Insurance: $120
Car expenses: $286
Utilities: $100
Phone, cable, internet: $100
Food, entertainment: $100
Clothing, household expenses: $25
Credit cards and other loans: $50
Other expenses: $
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
663840
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount:
| $9,500.00 |
Prosper Rating:
| D |
Listing Duration:
| 14 days
|
Minimum Amount to Fund:
| $6,650 |
Estimated loss*:
| 11.25% | | |
Term:
| 60 months | | | | |
|
Lender yield:
| 26.59% |
Borrower rate/APR:
| 27.59% / 30.23% |
Monthly payment:
| $293.44 |
|
Lender servicing fee:
| 1.00% |
Effective Yield*:
| 24.35% | | |
| |
Estimated return*:
| 13.10% | | |
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10):
| 7 |
First credit line:
| Oct-2001 |
Debt/Income ratio:
| 16% |
Credit score:
| 660-679 (Nov-2012) |
Inquiries last 6m:
| 0 | Employment status: | Employed |
Now delinquent:
| 0 |
Current / open credit lines:
| 3
/
3 | Length of status: | 0y 3m |
Amount delinquent:
| $0 |
Total credit lines:
| 11 |
Occupation: | Other |
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $3,278 | Stated income: | $25,000-$49,999 |
Delinquencies in last 7y:
| 6 |
Bankcard utilization:
| 81% | | |
| |
Homeownership:
| No | | |
Screen name:
| peace-admiral827 |
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: Temporary debt relief
This loan will be used for debt consolidation and short term business expenses/needs.
Unfortunately I had some unforeseen expenses that have slowed down my business growth a little. I am looking to get a loan so that I may be able to get my business back on track. Company has been in business for 4 years.
Monthly net income: $3,120
Monthly personal expenses: $500
Housing: $0
Insurance: $73
Car expenses: $137.50
Utilities: $100
Phone, cable, internet: $100
Food, entertainment: $200
Clothing, household expenses: $100
Credit cards and other loans: $250
Other expenses: $150
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
663846
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:
| $14,500.00 |
Prosper Rating:
| B |
Listing Duration:
| 14 days
|
Minimum Amount to Fund:
| $10,150 |
Estimated loss*:
| 5.49% | | |
Term:
| 60 months | | | | |
|
Lender yield:
| 18.39% |
Borrower rate/APR:
| 19.39% / 21.82% |
Monthly payment:
| $379.26 |
|
Lender servicing fee:
| 1.00% |
Effective Yield*:
| 17.39% | | |
| |
Estimated return*:
| 11.90% | | |
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10):
| 8 |
First credit line:
| Nov-1994 |
Debt/Income ratio:
| 29% |
Credit score:
| 740-759 (Nov-2012) |
Inquiries last 6m:
| 0 | Employment status: | Employed |
Now delinquent:
| 0 |
Current / open credit lines:
| 11
/
10 | Length of status: | 4y 6m |
Amount delinquent:
| $0 |
Total credit lines:
| 24 |
Occupation: | Truck Driver |
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $12,467 | Stated income: | $25,000-$49,999 |
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 51% | | |
| |
Homeownership:
| Yes | | |
Screen name:
| unique-loyalty429 |
Borrower's state:
| Michigan |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Description
Debt consolidation
Purpose of loan:
This loan will be used to...
My financial situation:
I am a good candidate for this loan because...
Monthly net income: $3900
Monthly expenses: $
Housing: $500
Insurance: $
Car expenses: $422
Utilities: $118
Phone, cable, internet: $168
Food, entertainment: $
Clothing, household expenses: $
Credit cards and other loans: $350
Other expenses: $
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
663876
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:
| C |
Listing Duration:
| 14 days
|
Minimum Amount to Fund:
| $5,600 |
Estimated loss*:
| 8.49% | | |
Term:
| 60 months | | | | |
|
Lender yield:
| 22.98% |
Borrower rate/APR:
| 23.98% / 26.53% |
Monthly payment:
| $230.05 |
|
Lender servicing fee:
| 1.00% |
Effective Yield*:
| 21.30% | | |
| |
Estimated return*:
| 12.81% | | |
* 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-1987 |
Debt/Income ratio:
| Not calculated |
Credit score:
| 760-779 (Nov-2012) |
Inquiries last 6m:
| 6 | Employment status: | Other |
Now delinquent:
| 0 |
Current / open credit lines:
| 5
/
4 | Length of status: | 3y 10m |
Amount delinquent:
| $0 |
Total credit lines:
| 16 |
Occupation: | Other |
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $546 | Stated income: | $50,000-$74,999 |
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 1% | | |
| |
Homeownership:
| Yes | | |
Screen name:
| open-loyalty424 |
Borrower's state:
| Florida |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Description
Home improvement
Purpose of loan:
This loan will be used to improve my home, wall, bathroom, living room area. Expanding.
My financial situation:
I am a good candidate for this loan because I have a high credit score, and all always pay back my debt.
Monthly net income: $5,400
Monthly expenses: $1,200.00
Housing: $600.00
Insurance: $200.00
Car expenses: $200.00
Utilities: $120.00
Phone, cable, internet: $120.00
Food, entertainment: $500.00
Clothing, household expenses: $250.00
Credit cards and other loans: $0
Other expenses: $235.00
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
663984
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*:
| 27.99% | | |
| |
Estimated return*:
| 11.74% | | |
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10):
| 5 |
First credit line:
| Dec-1994 |
Debt/Income ratio:
| 14% |
Credit score:
| 700-719 (Nov-2012) |
Inquiries last 6m:
| 3 | Employment status: | Employed |
Now delinquent:
| 0 |
Current / open credit lines:
| 18
/
17 | Length of status: | 11y 7m |
Amount delinquent:
| $0 |
Total credit lines:
| 34 |
Occupation: | Executive |
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $79,235 | Stated income: | $100,000+ |
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 97% | | |
| |
Homeownership:
| Yes | | |
Screen name:
| moola-scrutinzer1 |
Borrower's state:
| NewJersey |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Description
Home Improvement Completion
Purpose of loan:
This loan will be used to complete my basement renovation, which has run over budget but is finally just about finished.
My financial situation:
I am a great candidate for this loan because while I do not want to increase my credit card debt, I have the monthly financial resources to easily accommodate this loan and would like to try out the Prosper system. I have never been late on a payment, never defaulted on an obligation, and have a high income.
Monthly net income: $16,000
Monthly expenses: $13,000 (per below breakdown)
Housing: $3500
Insurance/Taxes: $1500
Car expenses: $1700
Utilities: $500
Phone, cable, internet: $300
Food, entertainment: $1500
Clothing, household expenses: $1500
Credit cards and other loans: $1000
Other expenses: $1500
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
664026
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:
| 36 months | | | | |
|
Lender yield:
| 21.72% |
Borrower rate/APR:
| 22.72% / 26.53% |
Monthly payment:
| $578.46 |
|
Lender servicing fee:
| 1.00% |
Effective Yield*:
| 20.00% | | |
| |
Estimated return*:
| 10.25% | | |
* 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-1992 |
Debt/Income ratio:
| Not calculated |
Credit score:
| 640-659 (Nov-2012) |
Inquiries last 6m:
| 0 | Employment status: | Employed |
Now delinquent:
| 0 |
Current / open credit lines:
| 6
/
6 | Length of status: | 1y 11m |
Amount delinquent:
| $0 |
Total credit lines:
| 37 |
Occupation: | Professional |
Public records last 12m / 10y:
| 0/ 1 |
Revolving credit balance:
| $4,624 | Stated income: | $75,000-$99,999 |
Delinquencies in last 7y:
| 30 |
Bankcard utilization:
| 57% | | |
| |
Homeownership:
| No | | |
Screen name:
| bold-auction-fort |
Borrower's state:
| Michigan |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan history | Payment history | Credit score history |
Active / total loans:
| 1 / 1 |
On-time:
| 18 ( 100% )
| 640-659 (Latest)
|
Principal borrowed:
| $2,867.50 | < 31 days late:
| 0
( 0% )
| 640-659
(Apr-2011)
|
Principal balance:
| $1,771.01 |
31+ days late:
| 0
( 0% )
|
Total payments billed:
| 18 | | |
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: $
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
664240
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:
| $14,750.00 |
Prosper Rating:
| AA |
Listing Duration:
| 14 days
|
Minimum Amount to Fund:
| $10,325 |
Estimated loss*:
| 1.24% | | |
Term:
| 60 months | | | | |
|
Lender yield:
| 9.00% |
Borrower rate/APR:
| 10.00% / 12.22% |
Monthly payment:
| $313.39 |
|
Lender servicing fee:
| 1.00% |
Effective Yield*:
| 8.86% | | |
| |
Estimated return*:
| 7.62% | | |
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10):
| 9 |
First credit line:
| Feb-1995 |
Debt/Income ratio:
| 16% |
Credit score:
| 760-779 (Nov-2012) |
Inquiries last 6m:
| 0 | Employment status: | Employed |
Now delinquent:
| 0 |
Current / open credit lines:
| 5
/
4 | Length of status: | 7y 1m |
Amount delinquent:
| $0 |
Total credit lines:
| 35 |
Occupation: | Professional |
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $3,486 | Stated income: | $75,000-$99,999 |
Delinquencies in last 7y:
| 2 |
Bankcard utilization:
| 26% | | |
| |
Homeownership:
| No | | |
Screen name:
| thoughtful-loot289 |
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 off the remainder of our debt outside of vehicles and simplify into one payment each month.
My financial situation:
I am a good candidate for this loan because...I have been with my current employer for over seven years (previously with same employer for 9 years prior and returned). Both my wife and I are working hard to get out of debt with three small children. We are blessed to be in an 'old' family home with no mortgage, only utilities and taxes, with a portion of this loan going to pay off a storage building on the property (house has no closets - built in the 1800's)
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
664252
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount:
| $25,000.00 |
Prosper Rating:
| A |
Listing Duration:
| 14 days
|
Minimum Amount to Fund:
| $17,500 |
Estimated loss*:
| 2.24% | | |
Term:
| 60 months | | | | |
|
Lender yield:
| 10.73% |
Borrower rate/APR:
| 11.73% / 13.98% |
Monthly payment:
| $552.71 |
|
Lender servicing fee:
| 1.00% |
Effective Yield*:
| 10.45% | | |
| |
Estimated return*:
| 8.21% | | |
* 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):
| 9 |
First credit line:
| Oct-2001 |
Debt/Income ratio:
| 6% |
Credit score:
| 720-739 (Nov-2012) |
Inquiries last 6m:
| 2 | Employment status: | Employed |
Now delinquent:
| 1 |
Current / open credit lines:
| 10
/
9 | Length of status: | 13y 7m |
Amount delinquent:
| $53,083 |
Total credit lines:
| 27 |
Occupation: | Other |
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $25,508 | Stated income: | $100,000+ |
Delinquencies in last 7y:
| 10 |
Bankcard utilization:
| 68% | | |
| |
Homeownership:
| Yes | | |
Screen name:
| thoughtful-platinum4 |
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 pay down several high interest rate credit card balances.
My financial situation:
I am a good candidate for this loan because I have had a steady good paying job for 20 years and will be selling my home and moving within the next two years. This will enable me to improve my credit rating and pay down all debt.
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
664360
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:
| $17,500 |
Estimated loss*:
| 5.99% | | |
Term:
| 60 months | | | | |
|
Lender yield:
| 19.24% |
Borrower rate/APR:
| 20.24% / 22.69% |
Monthly payment:
| $665.69 |
|
Lender servicing fee:
| 1.00% |
Effective Yield*:
| 18.13% | | |
| |
Estimated return*:
| 12.14% | | |
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10):
| 8 |
First credit line:
| Oct-1999 |
Debt/Income ratio:
| 25% |
Credit score:
| 720-739 (Oct-2012) |
Inquiries last 6m:
| 0 | Employment status: | Employed |
Now delinquent:
| 0 |
Current / open credit lines:
| 10
/
9 | Length of status: | 4y 11m |
Amount delinquent:
| $0 |
Total credit lines:
| 31 |
Occupation: | Other |
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $18,255 | Stated income: | $100,000+ |
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 39% | | |
| |
Homeownership:
| No | | |
Screen name:
| wise-enriching-funds |
Borrower's state:
| Virginia |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Description
Debt consolidation
Purpose of loan:
This loan will be used to...
My financial situation:
I am a good candidate for this loan because...
Monthly net income: $ 9800
Monthly expenses: $
Housing: $1925
Insurance: $250
Car expenses: $450
Utilities: $200
Phone, cable, internet: $200
Food, entertainment: $ 1000
Clothing, household expenses: $200
Credit cards and other loans: $800
Other expenses: $600
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
664432
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount:
| $25,000.00 |
Prosper Rating:
| A |
Listing Duration:
| 14 days
|
Minimum Amount to Fund:
| $17,500 |
Estimated loss*:
| 2.99% | | |
Term:
| 60 months | | | | |
|
Lender yield:
| 12.46% |
Borrower rate/APR:
| 13.46% / 15.75% |
Monthly payment:
| $574.73 |
|
Lender servicing fee:
| 1.00% |
Effective Yield*:
| 12.05% | | |
| |
Estimated return*:
| 9.06% | | |
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10):
| 8 |
First credit line:
| Jun-1990 |
Debt/Income ratio:
| 19% |
Credit score:
| 800-819 (Nov-2012) |
Inquiries last 6m:
| 2 | Employment status: | Employed |
Now delinquent:
| 0 |
Current / open credit lines:
| 16
/
15 | Length of status: | 1y 3m |
Amount delinquent:
| $0 |
Total credit lines:
| 43 |
Occupation: | Attorney |
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $24,500 | Stated income: | $100,000+ |
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 38% | | |
| |
Homeownership:
| Yes | | |
Screen name:
| consummate-auction8 |
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
Home improvement
Purpose of loan:
This loan will be used to...
My financial situation:
I am a good candidate for this loan because...
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
664456
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:
| $9,200.00 |
Prosper Rating:
| D |
Listing Duration:
| 14 days
|
Minimum Amount to Fund:
| $9,200 |
Estimated loss*:
| 10.25% | | |
Term:
| 60 months | | | | |
|
Lender yield:
| 25.24% |
Borrower rate/APR:
| 26.24% / 28.85% |
Monthly payment:
| $276.76 |
|
Lender servicing fee:
| 1.00% |
Effective Yield*:
| 23.20% | | |
| |
Estimated return*:
| 12.95% | | |
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10):
| 6 |
First credit line:
| Nov-2002 |
Debt/Income ratio:
| 113% |
Credit score:
| 700-719 (Nov-2012) |
Inquiries last 6m:
| 0 | Employment status: | Employed |
Now delinquent:
| 0 |
Current / open credit lines:
| 8
/
7 | Length of status: | 0y 4m |
Amount delinquent:
| $0 |
Total credit lines:
| 15 |
Occupation: | Professional |
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $12,489 | Stated income: | $1-$24,999 |
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 56% | | |
| |
Homeownership:
| No | | |
Screen name:
| enriching-yield5 |
Borrower's state:
| Florida |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Description
Debt consolidation
Purpose of loan:
This loan will be used to consolidate credit card debt
My financial situation:
I am a good candidate for this loan because I have good credit and a record of paying bills/debts on time. I
Monthly net income: $2800.00
Monthly expenses: $
Housing: $735.00
Insurance: $140.00
Car expenses: $250.00
Utilities: $120.00
Phone, cable, internet: $210.00
Food, entertainment: $100.00
Clothing, household expenses: $300.00
Credit cards and other loans: $580.00
Other expenses:
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
664474
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount:
| $7,000.00 |
Prosper Rating:
| A |
Listing Duration:
| 14 days
|
Minimum Amount to Fund:
| $4,900 |
Estimated loss*:
| 2.99% | | |
Term:
| 36 months | | | | |
|
Lender yield:
| 9.89% |
Borrower rate/APR:
| 10.89% / 13.70% |
Monthly payment:
| $228.81 |
|
Lender servicing fee:
| 1.00% |
Effective Yield*:
| 9.56% | | |
| |
Estimated return*:
| 6.57% | | |
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10):
| 8 |
First credit line:
| May-2000 |
Debt/Income ratio:
| 10% |
Credit score:
| 680-699 (Nov-2012) |
Inquiries last 6m:
| 0 | Employment status: | Employed |
Now delinquent:
| 0 |
Current / open credit lines:
| 11
/
9 | Length of status: | 0y 8m |
Amount delinquent:
| $0 |
Total credit lines:
| 20 |
Occupation: | Sales - Commission |
Public records last 12m / 10y:
| 0/ 1 |
Revolving credit balance:
| $14,738 | Stated income: | $75,000-$99,999 |
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 74% | | |
| |
Homeownership:
| Yes | | |
Screen name:
| twinsis |
Borrower's state:
| Washington |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan history | Payment history | Credit score history |
Active / total loans:
| 0 / 2 |
On-time:
| 19 ( 100% )
| 680-699 (Latest)
|
Principal borrowed:
| $10,000.00 | < 31 days late:
| 0
( 0% )
| 660-679
(Dec-2011)
740-759
(Feb-2011)
700-719
(Jun-2010)
|
Principal balance:
| $0.01 |
31+ days late:
| 0
( 0% )
|
Total payments billed:
| 19 | | |
Description
New furnace & new fence for doggies
Purpose of loan:
This loan will be used to...new furnace and build fence for my new doggies :)
My financial situation:
I am a good candidate for this loan because...I have good credit and have also been in my career for over 20 yrs now. I have had two previous Prosper loans and have paid them both perfectly (even paid one off early). :) I am in need of a new furnace since mine just went kaput, and winter is upon us, eeks! I also plan to build a new fence for the two new doggies I just rescued from a high kill shelter. They will be thrilled when they can start going out into the yard on their own and play! :)
Information in the Description is not verified.