Listing Report:Supplement No. 61 dated Nov 10, 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
664448
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:
| 60 months | | | | |
|
Lender yield:
| 23.89% |
Borrower rate/APR:
| 24.89% / 27.46% |
Monthly payment:
| $439.30 |
|
Lender servicing fee:
| 1.00% |
Effective Yield*:
| 22.06% | | |
| |
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):
| 6 |
First credit line:
| Mar-1986 |
Debt/Income ratio:
| 14% |
Credit score:
| 740-759 (Nov-2012) |
Inquiries last 6m:
| 4 | Employment status: | Employed |
Now delinquent:
| 0 |
Current / open credit lines:
| 13
/
10 | Length of status: | 30y 4m |
Amount delinquent:
| $0 |
Total credit lines:
| 26 |
Occupation: | Nurse (RN) |
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $712 | Stated income: | $75,000-$99,999 |
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 7% | | |
| |
Homeownership:
| Yes | | |
Screen name:
| interest-announcer580 |
Borrower's state:
| NorthCarolina |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Description
Debt consolidation and new roof
Purpose of loan:
This loan will be used to pay off debt...
My financial situation: Is good, but want to strive to have less debt in the next 12-24 months
I am a good candidate for this loan because I am a RN, I supervise the campus of the hospital that I work at and manage over 150 employees and over 200 patients, on the 4-12mn shift and I have been employeed there for 30+ years. I am a responsible person and I will payback the loan within the time frame, if not sooner....
Monthly net income: $ 4500-5000
Monthly expenses: $3000 including home loan
Housing: $ 860
Insurance: $ 200
Car expenses: $450
Utilities: $200
Phone, cable, internet: $150
Food, entertainment: $300
Clothing, household expenses: $200
Credit cards and other loans: $400
Other expenses: $
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
666414
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:
| $17,500 |
Estimated loss*:
| 1.99% | | |
Term:
| 36 months | | | | |
|
Lender yield:
| 7.64% |
Borrower rate/APR:
| 8.64% / 9.99% |
Monthly payment:
| $790.81 |
|
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):
| 8 |
First credit line:
| Oct-1983 |
Debt/Income ratio:
| 39% |
Credit score:
| 780-799 (Nov-2012) |
Inquiries last 6m:
| 0 | Employment status: | Employed |
Now delinquent:
| 0 |
Current / open credit lines:
| 5
/
5 | Length of status: | 20y 10m |
Amount delinquent:
| $0 |
Total credit lines:
| 13 |
Occupation: | Clerical |
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $14,871 | Stated income: | $50,000-$74,999 |
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 34% | | |
| |
Homeownership:
| No | | |
Screen name:
| awakening949 |
Borrower's state:
| Kentucky |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Description
Debt consolidation
Purpose of loan: Debt Consolidation
This loan will be used to...personal loan, credit cards
My financial situation:
I am a good candidate for this loan because...Long term employment with very low possibility of lay offs and also have very good credit rating. Own home and property for over 15 years.
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
666740
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount:
| $13,000.00 |
Prosper Rating:
| D |
Listing Duration:
| 14 days
|
Minimum Amount to Fund:
| $9,100 |
Estimated loss*:
| 9.25% | | |
Term:
| 60 months | | | | |
|
Lender yield:
| 23.89% |
Borrower rate/APR:
| 24.89% / 27.46% |
Monthly payment:
| $380.73 |
|
Lender servicing fee:
| 1.00% |
Effective Yield*:
| 22.06% | | |
| |
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):
| 6 |
First credit line:
| Aug-2002 |
Debt/Income ratio:
| 15% |
Credit score:
| 760-779 (Nov-2012) |
Inquiries last 6m:
| 5 | Employment status: | Employed |
Now delinquent:
| 1 |
Current / open credit lines:
| 9
/
9 | Length of status: | 2y 10m |
Amount delinquent:
| $770 |
Total credit lines:
| 16 |
Occupation: | Police Officer/Corr... |
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $53 | Stated income: | $75,000-$99,999 |
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 4% | | |
| |
Homeownership:
| Yes | | |
Screen name:
| soulful-integrity159 |
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
Engagement Ring Financing
Purpose of loan: To purchase an engagement ring
My Monthly Net: $ 4220
Mortgage: $ 590
Maintenance: $ 760
Insurance: $ 25
Student loans: $ 220
Credit cards: $ 15
Car and insurance. : $ 525
Cell Phone: $ 65
Total: $ 2200
I would like to think of my life in general as stable. I have been employed in law enforcement for the past 5 years and have been with my current employer for the last 3. My girlfriend and I have lived together for 3 years and we reside in a coop apartment which I recently refinanced on. It was conservatively valued by the bank at 155,000 and the current mortgage on the property is 117,000.
My girlfriend (for whom this purchase will be for) splits all housing expenses with me down the middle. I am fiscally responsible for the expenses so they are listed above in full. We are both employed in law enforcement and have steady incomes with scheduled contractual pay raises. My gross salary for the current year will end around $79,000 and I will be receiving a $10,000 raise in January of 2013. My girlfriend's income is not relevant to the loan but she works on a similar pay scale and is due a $15,000 raise.
I have a BBA in Finance my girlfriend has a BS in Forensic Psychology. We live and work in upper middle class suburbs in Westchester County. We have talked about getting married for awhile, but ultimately decided it would be smarter to secure a home while market prices and interest rates were low. I would like to use this loan to surprise her with an engagement ring.
I have 1 old delinquent account listed in my summary for $770. It was from a cell phone scam years ago. The company stopped trying to collect after being contacted by my lawyer. It is still showing on my report and I am assuming this is contributing to my D rating despite my credit score and debt/income ratio.
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
666918
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount:
| $5,000.00 |
Prosper Rating:
| B |
Listing Duration:
| 14 days
|
Minimum Amount to Fund:
| $3,500 |
Estimated loss*:
| 5.99% | | |
Term:
| 36 months | | | | |
|
Lender yield:
| 15.79% |
Borrower rate/APR:
| 16.79% / 20.46% |
Monthly payment:
| $177.74 |
|
Lender servicing fee:
| 1.00% |
Effective Yield*:
| 14.87% | | |
| |
Estimated return*:
| 8.88% | | |
* 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):
| 8 |
First credit line:
| Oct-1989 |
Debt/Income ratio:
| 10% |
Credit score:
| 740-759 (Nov-2012) |
Inquiries last 6m:
| 0 | Employment status: | Employed |
Now delinquent:
| 0 |
Current / open credit lines:
| 9
/
8 | Length of status: | 14y 3m |
Amount delinquent:
| $0 |
Total credit lines:
| 30 |
Occupation: | Professional |
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $192,326 | Stated income: | $100,000+ |
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 99% | | |
| |
Homeownership:
| Yes | | |
Screen name:
| voltage153 |
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
Household Expenses
Purpose of loan:
This loan will be used to...cover household expenses, holidays until March 1, 2013.
My financial situation:
I am a good candidate for this loan because...I maintain an excellent credit rating and have steady income. My husband is self employed and his income has deteriorated in the last 3 years. I typically have decent cash reserves from my annual bonus, however, with the decrease in his income, the reserves have been depleted. I will receive my annual bonus on 2/28/13 and will repay this loan in full on March 1, 2013.
Monthly net income: $5,800
Monthly expenses: $
Housing: $3,200
Insurance: $Inc.
Car expenses: $0
Utilities: $600
Phone, cable, internet: $ 250
Food, entertainment: $ 500
Clothing, household expenses: $ 500
Credit cards and other loans: $ 300
Other expenses: $
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
667082
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:
| $7,000 |
Estimated loss*:
| 3.24% | | |
Term:
| 12 months | | | | |
|
Lender yield:
| 7.73% |
Borrower rate/APR:
| 8.73% / 12.46% |
Monthly payment:
| $611.28 |
|
Lender servicing fee:
| 1.00% |
Effective Yield*:
| 7.44% | | |
| |
Estimated return*:
| 4.20% | | |
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10):
| 8 |
First credit line:
| Feb-2000 |
Debt/Income ratio:
| 13% |
Credit score:
| 660-679 (Nov-2012) |
Inquiries last 6m:
| 0 | Employment status: | Employed |
Now delinquent:
| 0 |
Current / open credit lines:
| 4
/
4 | Length of status: | 5y 11m |
Amount delinquent:
| $0 |
Total credit lines:
| 9 |
Occupation: | Construction |
Public records last 12m / 10y:
| 0/ 2 |
Revolving credit balance:
| $8,021 | Stated income: | $50,000-$74,999 |
Delinquencies in last 7y:
| 3 |
Bankcard utilization:
| 66% | | |
| |
Homeownership:
| No | | |
Screen name:
| coin-investor718 |
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 off my bank overdraft "checking plus" account as well as two credit cards completely.
My financial situation:
I am a good candidate for this loan because...
I am on track to pay off these debts without this loan but would prefer to pay one lender. I believe my payment history is very good. My job is stable with Macy's inc.
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
667214
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount:
| $3,000.00 |
Prosper Rating:
| B |
Listing Duration:
| 14 days
|
Minimum Amount to Fund:
| $2,100 |
Estimated loss*:
| 4.49% | | |
Term:
| 36 months | | | | |
|
Lender yield:
| 13.14% |
Borrower rate/APR:
| 14.14% / 17.75% |
Monthly payment:
| $102.74 |
|
Lender servicing fee:
| 1.00% |
Effective Yield*:
| 12.52% | | |
| |
Estimated return*:
| 8.03% | | |
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10):
| 6 |
First credit line:
| Sep-1984 |
Debt/Income ratio:
| 15% |
Credit score:
| 660-679 (Nov-2012) |
Inquiries last 6m:
| 0 | Employment status: | Employed |
Now delinquent:
| 0 |
Current / open credit lines:
| 7
/
5 | Length of status: | 13y 4m |
Amount delinquent:
| $0 |
Total credit lines:
| 19 |
Occupation: | Professional |
Public records last 12m / 10y:
| 0/ 1 |
Revolving credit balance:
| $352 | Stated income: | $25,000-$49,999 |
Delinquencies in last 7y:
| 21 |
Bankcard utilization:
| 70% | | |
| |
Homeownership:
| No | | |
Screen name:
| leverage-bluebird |
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 / 2 |
On-time:
| 31 ( 100% )
| 660-679 (Latest)
|
Principal borrowed:
| $6,000.00 | < 31 days late:
| 0
( 0% )
| 640-659
(Sep-2011)
680-699
(Nov-2010)
|
Principal balance:
| $1,435.82 |
31+ days late:
| 0
( 0% )
|
Total payments billed:
| 31 | | |
Description
Home improvement
Purpose of loan:
This loan will be used to...
My financial situation:
I am a good candidate for this loan because...
Monthly net income: $
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
667292
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:
| $17,500 |
Estimated loss*:
| 1.99% | | |
Term:
| 60 months | | | | |
|
Lender yield:
| 10.01% |
Borrower rate/APR:
| 11.01% / 13.25% |
Monthly payment:
| $543.69 |
|
Lender servicing fee:
| 1.00% |
Effective Yield*:
| 9.78% | | |
| |
Estimated return*:
| 7.79% | | |
* 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:
| 13% |
Credit score:
| 760-779 (Nov-2012) |
Inquiries last 6m:
| 0 | Employment status: | Employed |
Now delinquent:
| 0 |
Current / open credit lines:
| 14
/
13 | Length of status: | 14y 10m |
Amount delinquent:
| $0 |
Total credit lines:
| 34 |
Occupation: | Construction |
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $43,542 | Stated income: | $100,000+ |
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 63% | | |
| |
Homeownership:
| Yes | | |
Screen name:
| marketplace-sycamore4 |
Borrower's state:
| NewJersey |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Description
Debt consolidation
Purpose of loan:
This loan will be used to...rebuild from hurricane Sandy
My financial situation:
I am a good candidate for this loan because...
Am employed full time and make a good income
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
667352
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:
| Jun-1994 |
Debt/Income ratio:
| 11% |
Credit score:
| 700-719 (Nov-2012) |
Inquiries last 6m:
| 6 | Employment status: | Employed |
Now delinquent:
| 0 |
Current / open credit lines:
| 9
/
8 | Length of status: | 0y 7m |
Amount delinquent:
| $0 |
Total credit lines:
| 13 |
Occupation: | Executive |
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $25,832 | Stated income: | $75,000-$99,999 |
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 75% | | |
| |
Homeownership:
| No | | |
Screen name:
| bonus-legend2 |
Borrower's state:
| Georgia |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Description
Business
Our Cleaning Services estimates total project cost of $50,000. Management needs a signature loan of $15,000. The loan proceeds will be utilized primarily in purchasing cleaning equipment, supplies, lease payments, payroll, and eventually a new expansion and office in the Chicago area. We will leverage other savings to reach our goals.
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
667608
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount:
| $5,000.00 |
Prosper Rating:
| A |
Listing Duration:
| 14 days
|
Minimum Amount to Fund:
| $5,000 |
Estimated loss*:
| 2.24% | | |
Term:
| 12 months | | | | |
|
Lender yield:
| 6.35% |
Borrower rate/APR:
| 7.35% / 11.07% |
Monthly payment:
| $433.44 |
|
Lender servicing fee:
| 1.00% |
Effective Yield*:
| 6.18% | | |
| |
Estimated return*:
| 3.94% | | |
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10):
| 9 |
First credit line:
| Jan-2000 |
Debt/Income ratio:
| 22% |
Credit score:
| 760-779 (Nov-2012) |
Inquiries last 6m:
| 0 | Employment status: | Employed |
Now delinquent:
| 0 |
Current / open credit lines:
| 13
/
12 | Length of status: | 11y 7m |
Amount delinquent:
| $0 |
Total credit lines:
| 36 |
Occupation: | Computer Programmer |
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $27,002 | Stated income: | $100,000+ |
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 58% | | |
| |
Homeownership:
| Yes | | |
Screen name:
| generosity-showcase0 |
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
Wedding
Purpose of loan:
This loan will be used as down payment for a wedding venue.
My financial situation:
I am a good candidate for this loan because I can afford the payments and will pay it off well before the 12 months are up. I have a good credit rating.
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
667764
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount:
| $4,000.00 |
Prosper Rating:
| B |
Listing Duration:
| 14 days
|
Minimum Amount to Fund:
| $2,800 |
Estimated loss*:
| 5.99% | | |
Term:
| 36 months | | | | |
|
Lender yield:
| 15.79% |
Borrower rate/APR:
| 16.79% / 20.46% |
Monthly payment:
| $142.19 |
|
Lender servicing fee:
| 1.00% |
Effective Yield*:
| 14.87% | | |
| |
Estimated return*:
| 8.88% | | |
* 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):
| 9 |
First credit line:
| Sep-1984 |
Debt/Income ratio:
| 21% |
Credit score:
| 680-699 (Nov-2012) |
Inquiries last 6m:
| 0 | Employment status: | Employed |
Now delinquent:
| 0 |
Current / open credit lines:
| 12
/
11 | Length of status: | 6y 4m |
Amount delinquent:
| $0 |
Total credit lines:
| 25 |
Occupation: | Professional |
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $68,882 | Stated income: | $50,000-$74,999 |
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 34% | | |
| |
Homeownership:
| Yes | | |
Screen name:
| important-bonus871 |
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
Debt consolidation
Purpose of loan:
This loan will be used to pay down some high credit cards so I can make monthly payments
My financial situation:
I am a good candidate for this loan because I have a stable job.
Monthly net income: $3600
Monthly expenses: $3000
Housing: $900
Insurance: $150
Car expenses: $413
Utilities: $100-200
Phone, cable, internet: $100
Food, entertainment: $
Clothing, household expenses: $50-200
Credit cards and other loans: $600
Other expenses: $
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
667776
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount:
| $14,000.00 |
Prosper Rating:
| AA |
Listing Duration:
| 14 days
|
Minimum Amount to Fund:
| $14,000 |
Estimated loss*:
| 1.74% | | |
Term:
| 36 months | | | | |
|
Lender yield:
| 7.39% |
Borrower rate/APR:
| 8.39% / 9.74% |
Monthly payment:
| $441.23 |
|
Lender servicing fee:
| 1.00% |
Effective Yield*:
| 7.23% | | |
| |
Estimated return*:
| 5.49% | | |
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10):
| 8 |
First credit line:
| Mar-1993 |
Debt/Income ratio:
| 28% |
Credit score:
| 780-799 (Nov-2012) |
Inquiries last 6m:
| 0 | Employment status: | Employed |
Now delinquent:
| 0 |
Current / open credit lines:
| 3
/
3 | Length of status: | 5y 9m |
Amount delinquent:
| $0 |
Total credit lines:
| 11 |
Occupation: | Other |
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $15,989 | Stated income: | $25,000-$49,999 |
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 58% | | |
| |
Homeownership:
| Yes | | |
Screen name:
| transaction-tweet774 |
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...
Payoff credit cards into one payment so i can get out from under them.
My financial situation:
I am a good candidate for this loan because...
I am a hard worker and got in a bind with a credit card debt because of vechile trouble and stuff tearing up around the house
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
667912
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*:
| 2.99% | | |
Term:
| 36 months | | | | |
|
Lender yield:
| 9.89% |
Borrower rate/APR:
| 10.89% / 13.70% |
Monthly payment:
| $326.87 |
|
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:
| Sep-1992 |
Debt/Income ratio:
| 24% |
Credit score:
| 720-739 (Nov-2012) |
Inquiries last 6m:
| 0 | Employment status: | Employed |
Now delinquent:
| 0 |
Current / open credit lines:
| 21
/
19 | Length of status: | 30y 11m |
Amount delinquent:
| $0 |
Total credit lines:
| 36 |
Occupation: | Administrative Assi... |
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $23,312 | Stated income: | $75,000-$99,999 |
Delinquencies in last 7y:
| 1 |
Bankcard utilization:
| 63% | | |
| |
Homeownership:
| Yes | | |
Screen name:
| deal-plum5 |
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 all outstanding credit cards
My financial situation:
I am a good candidate for this loan because...I have been an active employee at Big Y Foods for over 30 years. I own my own home, am married, and have rent income.
This loan will be paid in full in 3 years or sooner.
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
667996
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):
| 5 |
First credit line:
| Apr-2004 |
Debt/Income ratio:
| Self-employed (DTI Not Calculated) |
Credit score:
| 680-699 (Oct-2012) |
Inquiries last 6m:
| 0 | Employment status: | Self-employed |
Now delinquent:
| 0 |
Current / open credit lines:
| 6
/
5 | Length of status: | 2y 2m |
Amount delinquent:
| $0 |
Total credit lines:
| 7 |
Occupation: | Other |
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $5,797 | Stated income: | $25,000-$49,999 |
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 69% | | |
| |
Homeownership:
| No | | |
Screen name:
| hope-guru6 |
Borrower's state:
| California |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Description
personal
Purpose of loan:
This loan will be used to expedite and help me with security payment on a New place and first months rent as well as traveling expenses
My financial situation:
I am a good candidate for this loan because I am a reliable and responsible person. I take care of my family as well as my bills are paid on time. I'm attending school to better myself as an individual and I'm determined not to fail
Monthly net income: $2100
Monthly expenses: $1097
Housing: $500
Insurance: $
Car expenses: $
Utilities: $50
Phone, cable, internet: $112
Food, entertainment: $200
Clothing, household expenses: $60
Credit cards and other loans: $
Other expenses: $75
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
668050
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):
| 3 |
First credit line:
| Apr-1988 |
Debt/Income ratio:
| Not calculated |
Credit score:
| 680-699 (Nov-2012) |
Inquiries last 6m:
| 6 | Employment status: | Other |
Now delinquent:
| 0 |
Current / open credit lines:
| 11
/
6 | Length of status: | 7y 4m |
Amount delinquent:
| $0 |
Total credit lines:
| 28 |
Occupation: | Other |
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $2,712 | Stated income: | $1-$24,999 |
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 15% | | |
| |
Homeownership:
| No | | |
Screen name:
| gallant-transparency5 |
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...
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
668110
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount:
| $4,000.00 |
Prosper Rating:
| D |
Listing Duration:
| 14 days
|
Minimum Amount to Fund:
| $2,800 |
Estimated loss*:
| 11.25% | | |
Term:
| 60 months | | | | |
|
Lender yield:
| 26.59% |
Borrower rate/APR:
| 27.59% / 30.23% |
Monthly payment:
| $123.56 |
|
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:
| Sep-2003 |
Debt/Income ratio:
| 34% |
Credit score:
| 660-679 (Oct-2012) |
Inquiries last 6m:
| 1 | Employment status: | Employed |
Now delinquent:
| 0 |
Current / open credit lines:
| 13
/
12 | Length of status: | 8y 0m |
Amount delinquent:
| $0 |
Total credit lines:
| 30 |
Occupation: | Construction |
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $18,737 | Stated income: | $1-$24,999 |
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 69% | | |
| |
Homeownership:
| Yes | | |
Screen name:
| note-bliss5 |
Borrower's state:
| Illinois |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Description
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
668176
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount:
| $9,000.00 |
Prosper Rating:
| A |
Listing Duration:
| 14 days
|
Minimum Amount to Fund:
| $6,300 |
Estimated loss*:
| 2.74% | | |
Term:
| 12 months | | | | |
|
Lender yield:
| 7.01% |
Borrower rate/APR:
| 8.01% / 11.73% |
Monthly payment:
| $782.94 |
|
Lender servicing fee:
| 1.00% |
Effective Yield*:
| 6.78% | | |
| |
Estimated return*:
| 4.04% | | |
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10):
| 8 |
First credit line:
| May-1994 |
Debt/Income ratio:
| 22% |
Credit score:
| 680-699 (Oct-2012) |
Inquiries last 6m:
| 0 | Employment status: | Employed |
Now delinquent:
| 0 |
Current / open credit lines:
| 15
/
12 | Length of status: | 12y 2m |
Amount delinquent:
| $31 |
Total credit lines:
| 30 |
Occupation: | Skilled Labor |
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $11,976 | Stated income: | $75,000-$99,999 |
Delinquencies in last 7y:
| 2 |
Bankcard utilization:
| 45% | | |
| |
Homeownership:
| No | | |
Screen name:
| The_Third_Hand |
Borrower's state:
| California |
Borrower's group:
| Not Active |
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:
| 18 ( 95% )
| 680-699 (Latest)
|
Principal borrowed:
| $17,000.00 | < 31 days late:
| 1
( 5% )
| 740-759
(Feb-2012)
680-699
(Jul-2007)
640-659
(Dec-2006)
|
Principal balance:
| $1,598.72 |
31+ days late:
| 0
( 0% )
|
Total payments billed:
| 19 | | |
Description
Debt consolidation
Purpose of loan:
This loan will be used to pay down credit card debt, and balance transfers i have accumulated over the past year. I have been making steady payments, and I would like to reduce the amount I pay on interest.
My financial situation is good and solid, I have a well paying job, and I am current on all my debts.
I am a good candidate for this loan because I am current on all my debts.
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
668224
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:
| $2,700.00 |
Prosper Rating:
| C |
Listing Duration:
| 14 days
|
Minimum Amount to Fund:
| $2,700 |
Estimated loss*:
| 8.49% | | |
Term:
| 36 months | | | | |
|
Lender yield:
| 19.99% |
Borrower rate/APR:
| 20.99% / 24.76% |
Monthly payment:
| $101.71 |
|
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-1982 |
Debt/Income ratio:
| 23% |
Credit score:
| 720-739 (Nov-2012) |
Inquiries last 6m:
| 0 | Employment status: | Employed |
Now delinquent:
| 0 |
Current / open credit lines:
| 11
/
9 | Length of status: | 6y 1m |
Amount delinquent:
| $0 |
Total credit lines:
| 55 |
Occupation: | Other |
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $12,079 | Stated income: | $25,000-$49,999 |
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 42% | | |
| |
Homeownership:
| Yes | | |
Screen name:
| value-ferret1 |
Borrower's state:
| NewMexico |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Description
Medical/Dental
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
665101
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:
| $5,250.00 |
Prosper Rating:
| D |
Listing Duration:
| 14 days
|
Minimum Amount to Fund:
| $3,675 |
Estimated loss*:
| 9.75% | | |
Term:
| 12 months | | | | |
|
Lender yield:
| 16.95% |
Borrower rate/APR:
| 17.95% / 25.79% |
Monthly payment:
| $481.20 |
|
Lender servicing fee:
| 1.00% |
Effective Yield*:
| 15.59% | | |
| |
Estimated return*:
| 5.84% | | |
* 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):
| 3 |
First credit line:
| Oct-1993 |
Debt/Income ratio:
| 25% |
Credit score:
| 640-659 (Nov-2012) |
Inquiries last 6m:
| 2 | Employment status: | Employed |
Now delinquent:
| 0 |
Current / open credit lines:
| 14
/
14 | Length of status: | 11y 7m |
Amount delinquent:
| $0 |
Total credit lines:
| 26 |
Occupation: | Professional |
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $25,065 | Stated income: | $100,000+ |
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 86% | | |
| |
Homeownership:
| No | | |
Screen name:
| proper-responsibility5 |
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:
| 21 ( 100% )
| 640-659 (Latest)
|
Principal borrowed:
| $6,000.00 | < 31 days late:
| 0
( 0% )
| 660-679
(Jan-2011)
|
Principal balance:
| $3,087.13 |
31+ days late:
| 0
( 0% )
|
Total payments billed:
| 21 | | |
Description
Household Expenses
Purpose of loan: To Pay for Household Expenses and Repairs
This loan will be used to...Cover the unexpected household expenses and repairs
My financial situation: Good
I am a good candidate for this loan because...current on all bills and borrower of prosper. Sales professional with solid income
Monthly net income: $10,000
Monthly expenses: $
Housing: $2725
Insurance: $250
Car expenses: $1150
Utilities: $350
Phone, cable, internet: $150
Food, entertainment: $300
Clothing, household expenses: $300
Credit cards and other loans: $1500
Other expenses: $1500
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
665683
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:
| Sep-1997 |
Debt/Income ratio:
| 37% |
Credit score:
| 680-699 (Oct-2012) |
Inquiries last 6m:
| 0 | Employment status: | Employed |
Now delinquent:
| 0 |
Current / open credit lines:
| 9
/
9 | Length of status: | 23y 1m |
Amount delinquent:
| $0 |
Total credit lines:
| 30 |
Occupation: | Other |
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $22,623 | Stated income: | $50,000-$74,999 |
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 97% | | |
| |
Homeownership:
| Yes | | |
Screen name:
| golden-order5 |
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: $
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
666899
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*:
| 6.49% | | |
Term:
| 36 months | | | | |
|
Lender yield:
| 16.74% |
Borrower rate/APR:
| 17.74% / 21.43% |
Monthly payment:
| $432.27 |
|
Lender servicing fee:
| 1.00% |
Effective Yield*:
| 15.71% | | |
| |
Estimated return*:
| 9.22% | | |
* 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-2007 |
Debt/Income ratio:
| 15% |
Credit score:
| 720-739 (Nov-2012) |
Inquiries last 6m:
| 3 | Employment status: | Other |
Now delinquent:
| 1 |
Current / open credit lines:
| 10
/
8 | Length of status: | 2y 0m |
Amount delinquent:
| $97 |
Total credit lines:
| 14 |
Occupation: | Other |
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $1,257 | Stated income: | $50,000-$74,999 |
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 22% | | |
| |
Homeownership:
| No | | |
Screen name:
| refined-kindness781 |
Borrower's state:
| Florida |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Description
Vacation
Purpose of loan:
This loan will be used to be fund a graduation trip to London for myself and my parents and sibling. I attended graduate school in London and we will all like to go celebrate my accomplishment and attend the ceremony.
My financial situation:
I am a good candidate for this loan because I have completed my studies and I will not have a problem paying the monthly payments as I am receiving an annuity settlement.
Monthly net income: $ 4000
Monthly expenses: $
Housing: $
Insurance: $
Car expenses: $ 800
Utilities: $
Phone, cable, internet: $ 100
Food, entertainment: $
Clothing, household expenses: $
Credit cards and other loans: $ 500
Other expenses: $
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
666977
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-2000 |
Debt/Income ratio:
| 58% |
Credit score:
| 660-679 (Nov-2012) |
Inquiries last 6m:
| 2 | Employment status: | Employed |
Now delinquent:
| 0 |
Current / open credit lines:
| 11
/
7 | Length of status: | 3y 6m |
Amount delinquent:
| $0 |
Total credit lines:
| 15 |
Occupation: | Retail Management |
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $5,741 | Stated income: | $1-$24,999 |
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 51% | | |
| |
Homeownership:
| No | | |
Screen name:
| a-blooming-openness |
Borrower's state:
| Wyoming |
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: Getting back on my feet, recently divorced
This loan will be used to...pay off debt, help me relocate
My financial situation: not bad, could be better
I am a good candidate for this loan because...I've been employed with the same company for close to four years.
Monthly net income: $1200
Monthly expenses: $
Housing: $550
Insurance: $77
Car expenses: $268
Utilities: $100
Phone, cable, internet: $50
Food, entertainment: $20
Clothing, household expenses: $20
Credit cards and other loans: $100
Other expenses: $
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
667055
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:
| $15,000 |
Estimated loss*:
| 0.49% | | |
Term:
| 60 months | | | | |
|
Lender yield:
| 6.41% |
Borrower rate/APR:
| 7.41% / 7.83% |
Monthly payment:
| $299.93 |
|
Lender servicing fee:
| 1.00% |
Effective Yield*:
| 6.37% | | |
| |
Estimated return*:
| 5.88% | | |
* 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):
| 10 |
First credit line:
| Apr-1984 |
Debt/Income ratio:
| 17% |
Credit score:
| 800-819 (Nov-2012) |
Inquiries last 6m:
| 0 | Employment status: | Employed |
Now delinquent:
| 0 |
Current / open credit lines:
| 9
/
8 | Length of status: | 20y 7m |
Amount delinquent:
| $0 |
Total credit lines:
| 35 |
Occupation: | Tradesman - Mechani... |
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $8,916 | Stated income: | $75,000-$99,999 |
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 30% | | |
| |
Homeownership:
| No | | |
Screen name:
| truth-refresher339 |
Borrower's state:
| NewHampshire |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Description
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
667145
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*:
| 2.74% | | |
Term:
| 36 months | | | | |
|
Lender yield:
| 9.34% |
Borrower rate/APR:
| 10.34% / 13.14% |
Monthly payment:
| $421.55 |
|
Lender servicing fee:
| 1.00% |
Effective Yield*:
| 9.05% | | |
| |
Estimated return*:
| 6.31% | | |
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10):
| 8 |
First credit line:
| Jan-1978 |
Debt/Income ratio:
| 22% |
Credit score:
| 740-759 (Nov-2012) |
Inquiries last 6m:
| 1 | Employment status: | Employed |
Now delinquent:
| 1 |
Current / open credit lines:
| 13
/
14 | Length of status: | 12y 8m |
Amount delinquent:
| $282 |
Total credit lines:
| 36 |
Occupation: | Accountant/CPA |
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $14,622 | Stated income: | $75,000-$99,999 |
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 29% | | |
| |
Homeownership:
| Yes | | |
Screen name:
| first-ingenious-funds |
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 off credit cards and reduce monthly payment amount.
My financial situation:
I am a good candidate for this loan because I can pay off the current debts with the income that I currently have but I would like to clear them all up and make one payment. I am a Certified Public Accountant, have a good annual salary, own my home (mortgage with bank of America) and am current with my debts.
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
667289
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):
| 4 |
First credit line:
| Apr-1999 |
Debt/Income ratio:
| 31% |
Credit score:
| 680-699 (Nov-2012) |
Inquiries last 6m:
| 1 | Employment status: | Employed |
Now delinquent:
| 5 |
Current / open credit lines:
| 17
/
16 | Length of status: | 0y 7m |
Amount delinquent:
| $11,549 |
Total credit lines:
| 40 |
Occupation: | Skilled Labor |
Public records last 12m / 10y:
| 0/ 1 |
Revolving credit balance:
| $6,015 | Stated income: | $50,000-$74,999 |
Delinquencies in last 7y:
| 3 |
Bankcard utilization:
| 82% | | |
| |
Homeownership:
| Yes | | |
Screen name:
| the-wampum-structure |
Borrower's state:
| Missouri |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Description
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
667349
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount:
| $10,000.00 |
Prosper Rating:
| B |
Listing Duration:
| 14 days
|
Minimum Amount to Fund:
| $7,000 |
Estimated loss*:
| 5.74% | | |
Term:
| 36 months | | | | |
|
Lender yield:
| 15.39% |
Borrower rate/APR:
| 16.39% / 20.05% |
Monthly payment:
| $353.50 |
|
Lender servicing fee:
| 1.00% |
Effective Yield*:
| 14.52% | | |
| |
Estimated return*:
| 8.78% | | |
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10):
| 6 |
First credit line:
| Oct-2003 |
Debt/Income ratio:
| 90% |
Credit score:
| 720-739 (Nov-2012) |
Inquiries last 6m:
| 1 | Employment status: | Employed |
Now delinquent:
| 0 |
Current / open credit lines:
| 11
/
11 | Length of status: | 8y 1m |
Amount delinquent:
| $0 |
Total credit lines:
| 31 |
Occupation: | Waiter/Waitress |
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $15,278 | Stated income: | $1-$24,999 |
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 54% | | |
| |
Homeownership:
| No | | |
Screen name:
| return-warmth9 |
Borrower's state:
| NewMexico |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Description
Debt consolidation
Purpose of loan:
This loan will be used to...
Pay off credit card debt to help stabilize my family's financial situation.
My financial situation:
I am a good candidate for this loan because...
I already pay the monthly payment when you add up the credit card payments for the debt I am going to use the money to pay off. I have never missed a payment and pride myself in having good credit.
Monthly net income: $2600
Monthly expenses: $1600
Housing: $0-- Currently live with relatives
Insurance: $200
Car expenses: $600
Utilities: $0-Currently live with relatives
Phone, cable, internet: $140
Food, entertainment: $100
Clothing, household expenses: $100
Credit cards and other loans: $375
Other expenses: $85
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
667377
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:
| $17,500 |
Estimated loss*:
| 1.99% | | |
Term:
| 60 months | | | | |
|
Lender yield:
| 10.01% |
Borrower rate/APR:
| 11.01% / 13.25% |
Monthly payment:
| $543.69 |
|
Lender servicing fee:
| 1.00% |
Effective Yield*:
| 9.78% | | |
| |
Estimated return*:
| 7.79% | | |
* 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:
| 13% |
Credit score:
| 760-779 (Nov-2012) |
Inquiries last 6m:
| 2 | Employment status: | Employed |
Now delinquent:
| 0 |
Current / open credit lines:
| 13
/
11 | Length of status: | 18y 11m |
Amount delinquent:
| $0 |
Total credit lines:
| 26 |
Occupation: | Sales - Commission |
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $25,240 | Stated income: | $100,000+ |
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 39% | | |
| |
Homeownership:
| Yes | | |
Screen name:
| credit-thunder9 |
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
No description is available.
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
667701
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):
| 4 |
First credit line:
| Oct-1994 |
Debt/Income ratio:
| 25% |
Credit score:
| 720-739 (Nov-2012) |
Inquiries last 6m:
| 5 | Employment status: | Employed |
Now delinquent:
| 1 |
Current / open credit lines:
| 5
/
3 | Length of status: | 2y 3m |
Amount delinquent:
| $151 |
Total credit lines:
| 24 |
Occupation: | Other |
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $139 | Stated income: | $50,000-$74,999 |
Delinquencies in last 7y:
| 2 |
Bankcard utilization:
| 18% | | |
| |
Homeownership:
| No | | |
Screen name:
| first-class-repayment318 |
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
Large Purchases
Purpose of loan:
This loan will be used to...
My financial situation:
I am a good candidate for this loan because...
Monthly net income: $
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
667725
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:
| $15,780.00 |
Prosper Rating:
| A |
Listing Duration:
| 14 days
|
Minimum Amount to Fund:
| $11,046 |
Estimated loss*:
| 2.74% | | |
Term:
| 36 months | | | | |
|
Lender yield:
| 9.34% |
Borrower rate/APR:
| 10.34% / 13.14% |
Monthly payment:
| $511.70 |
|
Lender servicing fee:
| 1.00% |
Effective Yield*:
| 9.05% | | |
| |
Estimated return*:
| 6.31% | | |
* 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-2005 |
Debt/Income ratio:
| 29% |
Credit score:
| 820-839 (Nov-2012) |
Inquiries last 6m:
| 0 | Employment status: | Employed |
Now delinquent:
| 0 |
Current / open credit lines:
| 10
/
9 | Length of status: | 6y 7m |
Amount delinquent:
| $0 |
Total credit lines:
| 20 |
Occupation: | Truck Driver |
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $1,262 | Stated income: | $25,000-$49,999 |
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 3% | | |
| |
Homeownership:
| Yes | | |
Screen name:
| resolute-commerce146 |
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:
This loan will be used to install solar panels and double paned windows in my house. It will also allow me to install sky-lights so I can help the environment and save on my energy cost.
My financial situation:
I am a good candidate for this loan because of my history of prompt repayment and low living expenses with my capacity to very rapidly increase my earnings if it becomes necessary.
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
667827
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:
| $12,000 |
Estimated loss*:
| 10.25% | | |
Term:
| 36 months | | | | |
|
Lender yield:
| 22.46% |
Borrower rate/APR:
| 23.46% / 27.29% |
Monthly payment:
| $467.40 |
|
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):
| 6 |
First credit line:
| Feb-1999 |
Debt/Income ratio:
| 35% |
Credit score:
| 680-699 (Nov-2012) |
Inquiries last 6m:
| 0 | Employment status: | Employed |
Now delinquent:
| 0 |
Current / open credit lines:
| 10
/
9 | Length of status: | 1y 6m |
Amount delinquent:
| $0 |
Total credit lines:
| 33 |
Occupation: | Other |
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $13,303 | Stated income: | $25,000-$49,999 |
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 85% | | |
| |
Homeownership:
| No | | |
Screen name:
| contract-piano3 |
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: $
Monthly expenses: $
Housing: $
Insurance: $
Car expenses: $
Utilities: $
Phone, cable, internet: $
Food, entertainment: $
Clothing, household expenses: $
Credit cards and other loans: $9000.00
Other expenses: $3000.00
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
667849
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount:
| $15,000.00 |
Prosper Rating:
| B |
Listing Duration:
| 14 days
|
Minimum Amount to Fund:
| $10,500 |
Estimated loss*:
| 5.99% | | |
Term:
| 60 months | | | | |
|
Lender yield:
| 19.24% |
Borrower rate/APR:
| 20.24% / 22.69% |
Monthly payment:
| $399.41 |
|
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:
| Apr-1993 |
Debt/Income ratio:
| 14% |
Credit score:
| 740-759 (Nov-2012) |
Inquiries last 6m:
| 1 | Employment status: | Employed |
Now delinquent:
| 0 |
Current / open credit lines:
| 6
/
6 | Length of status: | 15y 10m |
Amount delinquent:
| $0 |
Total credit lines:
| 12 |
Occupation: | Military Officer |
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $6,317 | Stated income: | $75,000-$99,999 |
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 70% | | |
| |
Homeownership:
| Yes | | |
Screen name:
| serene-loot7 |
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
Wedding Expenses
Purpose of loan:
This loan will be used to pay for a wedding.
My financial situation:
My brother got married 4 years ago with the same guest list and he made more than the wedding cost. If that does not happen for some reason this time I'll just deploy again.
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
668047
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount:
| $11,500.00 |
Prosper Rating:
| D |
Listing Duration:
| 14 days
|
Minimum Amount to Fund:
| $8,050 |
Estimated loss*:
| 11.25% | | |
Term:
| 60 months | | | | |
|
Lender yield:
| 26.59% |
Borrower rate/APR:
| 27.59% / 30.23% |
Monthly payment:
| $355.22 |
|
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:
| Dec-1993 |
Debt/Income ratio:
| 31% |
Credit score:
| 660-679 (Nov-2012) |
Inquiries last 6m:
| 0 | Employment status: | Other |
Now delinquent:
| 0 |
Current / open credit lines:
| 9
/
9 | Length of status: | 40y 11m |
Amount delinquent:
| $0 |
Total credit lines:
| 35 |
Occupation: | Other |
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $13,326 | Stated income: | $50,000-$74,999 |
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 64% | | |
| |
Homeownership:
| No | | |
Screen name:
| community-mastery6 |
Borrower's state:
| Pennsylvania |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Description
Debt consolidation
Purpose of loan:
This loan will be used to...
My financial situation:
I am a good candidate for this loan because...
Monthly net income:3,800
Monthly expenses: $300
Housing: $552
Insurance: $41
Car expenses: $none
Utilities: $160
Phone, cable, internet: $174
Food, entertainment: $400
Clothing, household expenses: $200
Credit cards and other loans: $700
Other expenses: $none
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
668071
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:
| $16,500.00 |
Prosper Rating:
| B |
Listing Duration:
| 14 days
|
Minimum Amount to Fund:
| $11,550 |
Estimated loss*:
| 5.49% | | |
Term:
| 60 months | | | | |
|
Lender yield:
| 18.39% |
Borrower rate/APR:
| 19.39% / 21.82% |
Monthly payment:
| $431.57 |
|
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):
| 6 |
First credit line:
| Oct-1991 |
Debt/Income ratio:
| 20% |
Credit score:
| 740-759 (Nov-2012) |
Inquiries last 6m:
| 1 | Employment status: | Employed |
Now delinquent:
| 0 |
Current / open credit lines:
| 11
/
10 | Length of status: | 6y 6m |
Amount delinquent:
| $0 |
Total credit lines:
| 28 |
Occupation: | Analyst |
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $22,676 | Stated income: | $50,000-$74,999 |
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 97% | | |
| |
Homeownership:
| Yes | | |
Screen name:
| dollar-solstice2 |
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
Debt consolidation
Purpose of loan: Consolidate credit card debt
This loan will be used to...
My financial situation:
I am a good candidate for this loan because...I have a secure job
Monthly net income: $65,000
Monthly expenses: $2,100
Housing: $1370
Insurance: $
Car expenses: $0
Utilities: $250
Phone, cable, internet: $150
Food, entertainment: $150
Clothing, household expenses: $150
Credit cards and other loans: $17,500
Other expenses: $
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
668251
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount:
| $10,000.00 |
Prosper Rating:
| D |
Listing Duration:
| 14 days
|
Minimum Amount to Fund:
| $7,000 |
Estimated loss*:
| 11.25% | | |
Term:
| 36 months | | | | |
|
Lender yield:
| 23.92% |
Borrower rate/APR:
| 24.92% / 28.78% |
Monthly payment:
| $397.18 |
|
Lender servicing fee:
| 1.00% |
Effective Yield*:
| 21.90% | | |
| |
Estimated return*:
| 10.65% | | |
* 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):
| 7 |
First credit line:
| Oct-1990 |
Debt/Income ratio:
| 33% |
Credit score:
| 660-679 (Nov-2012) |
Inquiries last 6m:
| 0 | Employment status: | Employed |
Now delinquent:
| 0 |
Current / open credit lines:
| 4
/
4 | Length of status: | 16y 7m |
Amount delinquent:
| $0 |
Total credit lines:
| 35 |
Occupation: | Waiter/Waitress |
Public records last 12m / 10y:
| 0/ 1 |
Revolving credit balance:
| $1,509 | Stated income: | $25,000-$49,999 |
Delinquencies in last 7y:
| 37 |
Bankcard utilization:
| 64% | | |
| |
Homeownership:
| No | | |
Screen name:
| breathtaking-penny4 |
Borrower's state:
| Nevada |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Description
personal loan
Purpose of loan: moving expenses, tickets, medical expenses,
This loan will be used to...pay security deposit for moving as well as truck, tickets to fly my children & I to see my dying grandmother who was diagnosed with stage 4 cancer of many organs, & a few medical bills.
My financial situation:
I am a good candidate for this loan because...I have been at my job for 16 & 1/2 years. I have not been late on any credit payment in almost 3 years. I also do plan to have this paid off much sooner than 36 months.
Monthly net income: $3700
Monthly expenses: $
Housing: $808
Insurance: $167
Car expenses: $505
Utilities: $200
Phone, cable, internet: $75
Food, entertainment: $200
Clothing, household expenses: $50
Credit cards and other loans: $60
Other expenses: $100
Information in the Description is not verified.