Listing Report:Supplement No. 16 dated Feb 13, 2013 to Prospectus dated Feb 04, 2013File pursuant to Rule 424(b)(3)
Registration Statement Nos. 333-179941 and 333-179941-01
Prosper Funding LLC
Borrower Payment Dependent Notes
Prosper Marketplace, Inc.
PMI Management Rights
This Listing Report supplements the prospectus dated Feb 04, 2013 and provides information about each loan request (referred to as a "listing") and series of Borrower Payment Dependent Notes (the "Notes") Prosper Funding LLC is currently offering. Prospective investors should read this Listing Report supplement together with the prospectus dated Feb 04, 2013 to understand the terms and conditions of the Notes and how they are offered, as well as the risks of investing in Notes. As described in the prospectus dated Feb 04, 2013, each Note will come attached with a PMI Management Right issued by Prosper Marketplace, Inc.
The following series of Notes are currently being offered:
Borrower Payment Dependent Notes Series
691088
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount:
| $25,000.00 |
Prosper Rating:
| A |
Listing Duration:
| 14 days
|
Minimum Amount to Fund:
| $17,500 |
Estimated loss*:
| 2.99% | | |
Term:
| 36 months | | | | |
|
Lender yield:
| 9.89% |
Borrower rate/APR:
| 10.89% / 13.70% |
Monthly payment:
| $817.17 |
|
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):
| 9 |
First credit line:
| Jul-2000 |
Debt/Income ratio:
| 8% |
Credit score:
| 780-799 (Feb-2013) |
Inquiries last 6m:
| 0 | Employment status: | Employed |
Now delinquent:
| 0 |
Current / open credit lines:
| 12
/
10 | Length of status: | 10y 9m |
Amount delinquent:
| $0 |
Total credit lines:
| 21 |
Occupation: | Accountant/CPA |
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $73,741 | Stated income: | $100,000+ |
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 70% | | |
| |
Homeownership:
| Yes | | |
Screen name:
| kind-benjamins-aficionado |
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 consolidate debt.
My financial situation:
I am a good candidate for this loan because I have a great career, great credit, and I'm looking for a way to consolidate some debt that is about to move to high interest soon.
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
693568
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount:
| $10,000.00 |
Prosper Rating:
| C |
Listing Duration:
| 14 days
|
Minimum Amount to Fund:
| $7,000 |
Estimated loss*:
| 8.49% | | |
Term:
| 60 months | | | | |
|
Lender yield:
| 21.59% |
Borrower rate/APR:
| 22.59% / 25.10% |
Monthly payment:
| $279.55 |
|
Lender servicing fee:
| 1.00% |
Effective Yield*:
| 20.01% | | |
| |
Estimated return*:
| 11.52% | | |
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10):
| 5 |
First credit line:
| Oct-1987 |
Debt/Income ratio:
| 31% |
Credit score:
| 700-719 (Feb-2013) |
Inquiries last 6m:
| 1 | Employment status: | Employed |
Now delinquent:
| 0 |
Current / open credit lines:
| 12
/
12 | Length of status: | 14y 4m |
Amount delinquent:
| $0 |
Total credit lines:
| 23 |
Occupation: | Other |
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $22,309 | Stated income: | $50,000-$74,999 |
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 68% | | |
| |
Homeownership:
| No | | |
Screen name:
| red-bonus-pinnacle |
Borrower's state:
| California |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Description
debt consolidation
Purpose of loan:
This loan will be used to...
My financial situation:
I am a good candidate for this loan because...
Monthly net income: $ 1500.00
Monthly expenses: $ 1125.00
Housing: $ 1250.00
Insurance: $ 700.00
Car expenses: $ 321.50
Utilities: $ 60.00
Phone, cable, internet: $239.00
Food, entertainment: $
Clothing, household expenses: $
Credit cards and other loans: $890.00
Other expenses: $
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
695058
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:
| $10,200.00 |
Prosper Rating:
| D |
Listing Duration:
| 14 days
|
Minimum Amount to Fund:
| $7,140 |
Estimated loss*:
| 11.25% | | |
Term:
| 36 months | | | | |
|
Lender yield:
| 23.92% |
Borrower rate/APR:
| 24.92% / 28.78% |
Monthly payment:
| $405.12 |
|
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):
| 3 |
First credit line:
| Mar-2002 |
Debt/Income ratio:
| 17% |
Credit score:
| 680-699 (Feb-2013) |
Inquiries last 6m:
| 3 | Employment status: | Employed |
Now delinquent:
| 1 |
Current / open credit lines:
| 7
/
5 | Length of status: | 1y 7m |
Amount delinquent:
| $1,212 |
Total credit lines:
| 32 |
Occupation: | Other |
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $436 | Stated income: | $50,000-$74,999 |
Delinquencies in last 7y:
| 8 |
Bankcard utilization:
| 58% | | |
| |
Homeownership:
| No | | |
Screen name:
| credit-chuckler2 |
Borrower's state:
| Arizona |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Description
Baby & Adoption Loans
Purpose of loan:
This loan will be used to...
Help finance the adoption of our first child.
My financial situation:
I am a good candidate for this loan because...
Stable job, desire to keep finances current and make payments on time. We have a large portion of the adoption money saved, however need assistance with the final amount.
Monthly net income: $ 4008.00
Monthly expenses: $ 2900.00
Housing: $ 1450.00
Insurance: $ 140.00
Car expenses: $ 400.00
Utilities: $ 300.00
Phone, cable, internet: $ 150.00
Food, entertainment: $ 300.00
Clothing, household expenses: $ 60.00
Credit cards and other loans: $ 100.00
Other expenses: $
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
701510
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount:
| $6,500.00 |
Prosper Rating:
| C |
Listing Duration:
| 14 days
|
Minimum Amount to Fund:
| $4,550 |
Estimated loss*:
| 8.74% | | |
Term:
| 60 months | | | | |
|
Lender yield:
| 21.84% |
Borrower rate/APR:
| 22.84% / 25.36% |
Monthly payment:
| $182.64 |
|
Lender servicing fee:
| 1.00% |
Effective Yield*:
| 20.21% | | |
| |
Estimated return*:
| 11.47% | | |
* 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):
| 2 |
First credit line:
| Aug-2004 |
Debt/Income ratio:
| 30% |
Credit score:
| 720-739 (Jan-2013) |
Inquiries last 6m:
| 0 | Employment status: | Employed |
Now delinquent:
| 0 |
Current / open credit lines:
| 10
/
9 | Length of status: | 5y 3m |
Amount delinquent:
| $0 |
Total credit lines:
| 28 |
Occupation: | Professional |
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $16,094 | Stated income: | $50,000-$74,999 |
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 97% | | |
| |
Homeownership:
| Yes | | |
Screen name:
| best-elevated-repayment |
Borrower's state:
| Ohio |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Description
Debt consolidation
Purpose of loan:
This loan will be used to... pay off credit cards
My financial situation:
I am a good candidate for this loan because...I promise that I will pay it back.
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
711772
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount:
| $25,000.00 |
Prosper Rating:
| B |
Listing Duration:
| 14 days
|
Minimum Amount to Fund:
| $17,500 |
Estimated loss*:
| 5.49% | | |
Term:
| 60 months | | | | |
|
Lender yield:
| 15.99% |
Borrower rate/APR:
| 16.99% / 19.36% |
Monthly payment:
| $621.18 |
|
Lender servicing fee:
| 1.00% |
Effective Yield*:
| 15.12% | | |
| |
Estimated return*:
| 9.63% | | |
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10):
| 7 |
First credit line:
| Jun-1984 |
Debt/Income ratio:
| 20% |
Credit score:
| 740-759 (Feb-2013) |
Inquiries last 6m:
| 1 | Employment status: | Employed |
Now delinquent:
| 0 |
Current / open credit lines:
| 19
/
18 | Length of status: | 0y 3m |
Amount delinquent:
| $0 |
Total credit lines:
| 51 |
Occupation: | Executive |
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $52,737 | Stated income: | $100,000+ |
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 60% | | |
| |
Homeownership:
| Yes | | |
Screen name:
| kinetic-kindness9 |
Borrower's state:
| California |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Description
Debt consolidation
Purpose of loan:
This loan will be used to consolidate credit card debt.
My financial situation:
I am a good candidate for this loan because I am employed and pay my bills on time.
Monthly net income: $6000
Monthly expenses: $
Housing: $2350
Insurance: $ - housing included in escrow payment
Car expenses: $275
Utilities: $300
Phone, cable, internet: $350
Food, entertainment: $300
Clothing, household expenses: $200
Credit cards and other loans: $1500
Other expenses: $200
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
712052
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:
| E |
Listing Duration:
| 14 days
|
Minimum Amount to Fund:
| $2,100 |
Estimated loss*:
| 14.75% | | |
Term:
| 36 months | | | | |
|
Lender yield:
| 29.06% |
Borrower rate/APR:
| 30.06% / 34.05% |
Monthly payment:
| $127.45 |
|
Lender servicing fee:
| 1.00% |
Effective Yield*:
| 26.43% | | |
| |
Estimated return*:
| 11.68% | | |
* 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:
| Jul-2007 |
Debt/Income ratio:
| 45% |
Credit score:
| 660-679 (Jan-2013) |
Inquiries last 6m:
| 0 | Employment status: | Employed |
Now delinquent:
| 0 |
Current / open credit lines:
| 7
/
7 | Length of status: | 3y 1m |
Amount delinquent:
| $0 |
Total credit lines:
| 8 |
Occupation: | Fireman |
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $7,463 | Stated income: | $1-$24,999 |
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 88% | | |
| |
Homeownership:
| No | | |
Screen name:
| alluring-revenue4 |
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
Household Expenses
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
712100
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount:
| $4,000.00 |
Prosper Rating:
| E |
Listing Duration:
| 14 days
|
Minimum Amount to Fund:
| $2,800 |
Estimated loss*:
| 12.25% | | |
Term:
| 36 months | | | | |
|
Lender yield:
| 25.39% |
Borrower rate/APR:
| 26.39% / 30.29% |
Monthly payment:
| $161.99 |
|
Lender servicing fee:
| 1.00% |
Effective Yield*:
| 23.18% | | |
| |
Estimated return*:
| 10.93% | | |
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10):
| 2 |
First credit line:
| Aug-1984 |
Debt/Income ratio:
| 7% |
Credit score:
| 780-799 (Feb-2013) |
Inquiries last 6m:
| 1 | Employment status: | Other |
Now delinquent:
| 0 |
Current / open credit lines:
| 3
/
3 | Length of status: | 4y 0m |
Amount delinquent:
| $0 |
Total credit lines:
| 7 |
Occupation: | Other |
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $5,080 | Stated income: | $50,000-$74,999 |
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 1% | | |
| |
Homeownership:
| Yes | | |
Screen name:
| benjamins-zoomer6 |
Borrower's state:
| Texas |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Description
Medical/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
712112
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount:
| $25,000.00 |
Prosper Rating:
| B |
Listing Duration:
| 14 days
|
Minimum Amount to Fund:
| $25,000 |
Estimated loss*:
| 4.99% | | |
Term:
| 60 months | | | | |
|
Lender yield:
| 14.79% |
Borrower rate/APR:
| 15.79% / 18.14% |
Monthly payment:
| $605.17 |
|
Lender servicing fee:
| 1.00% |
Effective Yield*:
| 14.04% | | |
| |
Estimated return*:
| 9.05% | | |
* 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-1992 |
Debt/Income ratio:
| 17% |
Credit score:
| 800-819 (Feb-2013) |
Inquiries last 6m:
| 1 | Employment status: | Employed |
Now delinquent:
| 1 |
Current / open credit lines:
| 9
/
8 | Length of status: | 0y 0m |
Amount delinquent:
| $490 |
Total credit lines:
| 28 |
Occupation: | Professional |
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $10,507 | Stated income: | $75,000-$99,999 |
Delinquencies in last 7y:
| 1 |
Bankcard utilization:
| 34% | | |
| |
Homeownership:
| Yes | | |
Screen name:
| nickel-emblem8 |
Borrower's state:
| California |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Description
Business
Purpose of loan:
This loan will be used to...
Finance the purchase of a CNC machine (Hass VF-2 or VF-3 or VF-OE) for a family-owned machine shop.
My financial situation:
I am a good candidate for this loan because...
I have a steady job outside of the family business. I am Treasury Manager for a finance company.
Monthly net income: $7766
Monthly expenses: $
Housing: $1000
Insurance: $100
Car expenses: $600
Utilities: $200
Phone, cable, internet: $250
Food, entertainment: $800
Clothing, household expenses: $300
Credit cards and other loans: $500
Other expenses: $
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
712184
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*:
| 10.75% | | |
Term:
| 60 months | | | | |
|
Lender yield:
| 24.79% |
Borrower rate/APR:
| 25.79% / 28.39% |
Monthly payment:
| $119.27 |
|
Lender servicing fee:
| 1.00% |
Effective Yield*:
| 22.74% | | |
| |
Estimated return*:
| 11.99% | | |
* 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-1996 |
Debt/Income ratio:
| 42% |
Credit score:
| 700-719 (Jan-2013) |
Inquiries last 6m:
| 1 | Employment status: | Employed |
Now delinquent:
| 0 |
Current / open credit lines:
| 20
/
20 | Length of status: | 0y 5m |
Amount delinquent:
| $0 |
Total credit lines:
| 38 |
Occupation: | Retail Management |
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $22,055 | Stated income: | $50,000-$74,999 |
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 72% | | |
| |
Homeownership:
| Yes | | |
Screen name:
| red-community-broker |
Borrower's state:
| Texas |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Description
Debt consolidation
Purpose of loan:
This loan will be used to pay off high inerest credit cards
My financial situation:
I am a good candidate for this loan because I pay my bills on time
Monthly net income: $ $3000
Monthly expenses: $
Housing: $735
Insurance: $80
Car expenses: $467
Utilities: $60
Phone, cable, internet: $150
Food, entertainment: $100
Clothing, household expenses: $75
Credit cards and other loans: $500
Other expenses: $
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
712456
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount:
| $15,000.00 |
Prosper Rating:
| C |
Listing Duration:
| 14 days
|
Minimum Amount to Fund:
| $10,500 |
Estimated loss*:
| 7.49% | | |
Term:
| 36 months | | | | |
|
Lender yield:
| 18.39% |
Borrower rate/APR:
| 19.39% / 23.12% |
Monthly payment:
| $552.80 |
|
Lender servicing fee:
| 1.00% |
Effective Yield*:
| 17.14% | | |
| |
Estimated return*:
| 9.65% | | |
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10):
| 5 |
First credit line:
| Nov-1983 |
Debt/Income ratio:
| 43% |
Credit score:
| 720-739 (Feb-2013) |
Inquiries last 6m:
| 0 | Employment status: | Employed |
Now delinquent:
| 0 |
Current / open credit lines:
| 19
/
17 | Length of status: | 5y 2m |
Amount delinquent:
| $0 |
Total credit lines:
| 48 |
Occupation: | Social Worker |
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $22,306 | Stated income: | $25,000-$49,999 |
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 64% | | |
| |
Homeownership:
| Yes | | |
Screen name:
| worldly-marketplace7 |
Borrower's state:
| Texas |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Description
Debt consolidation
Purpose of loan:
This loan will be used to...
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
712462
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount:
| $4,000.00 |
Prosper Rating:
| E |
Listing Duration:
| 14 days
|
Minimum Amount to Fund:
| $2,800 |
Estimated loss*:
| 12.75% | | |
Term:
| 60 months | | | | |
|
Lender yield:
| 27.62% |
Borrower rate/APR:
| 28.62% / 31.29% |
Monthly payment:
| $126.04 |
|
Lender servicing fee:
| 1.00% |
Effective Yield*:
| 25.19% | | |
| |
Estimated return*:
| 12.44% | | |
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10):
| 2 |
First credit line:
| May-1993 |
Debt/Income ratio:
| 20% |
Credit score:
| 800-819 (Feb-2013) |
Inquiries last 6m:
| 2 | Employment status: | Other |
Now delinquent:
| 0 |
Current / open credit lines:
| 5
/
5 | Length of status: | 5y 9m |
Amount delinquent:
| $0 |
Total credit lines:
| 28 |
Occupation: | Other |
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $5,170 | Stated income: | $1-$24,999 |
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 54% | | |
| |
Homeownership:
| Yes | | |
Screen name:
| soulful-contract864 |
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
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
712924
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount:
| $15,000.00 |
Prosper Rating:
| D |
Listing Duration:
| 14 days
|
Minimum Amount to Fund:
| $10,500 |
Estimated loss*:
| 10.25% | | |
Term:
| 60 months | | | | |
|
Lender yield:
| 24.06% |
Borrower rate/APR:
| 25.06% / 27.64% |
Monthly payment:
| $440.80 |
|
Lender servicing fee:
| 1.00% |
Effective Yield*:
| 22.11% | | |
| |
Estimated return*:
| 11.86% | | |
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10):
| 5 |
First credit line:
| Apr-1995 |
Debt/Income ratio:
| 17% |
Credit score:
| 660-679 (Feb-2013) |
Inquiries last 6m:
| 2 | Employment status: | Employed |
Now delinquent:
| 0 |
Current / open credit lines:
| 7
/
6 | Length of status: | 9y 7m |
Amount delinquent:
| $0 |
Total credit lines:
| 18 |
Occupation: | Other |
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $2,529 | Stated income: | $50,000-$74,999 |
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 74% | | |
| |
Homeownership:
| No | | |
Screen name:
| repayment-equalizer3 |
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...
consolidate debt, help me breathe financially, and will allow me to save for the future.
My financial situation:
I am a good candidate for this loan because...
of my job security (since 1995), my rent and monthly expenses are low, and my credit has steadily improved over the years and WILL only get better.
Monthly net income: $3936
Monthly expenses: $ 800
Housing: $ 350
Insurance: $ 120
Car expenses: $ 0 (no car payment- just gas & ins)
Utilities: $ 0 (included in rent)
Phone, cable, internet: $ 90
Food, entertainment: $ 400
Clothing, household expenses: $ 100
Credit cards and other loans: $ 785
Other expenses: $ 100
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
712990
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount:
| $15,000.00 |
Prosper Rating:
| A |
Listing Duration:
| 14 days
|
Minimum Amount to Fund:
| $10,500 |
Estimated loss*:
| 2.99% | | |
Term:
| 60 months | | | | |
|
Lender yield:
| 9.99% |
Borrower rate/APR:
| 10.99% / 13.23% |
Monthly payment:
| $326.06 |
|
Lender servicing fee:
| 1.00% |
Effective Yield*:
| 9.65% | | |
| |
Estimated return*:
| 6.66% | | |
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10):
| 9 |
First credit line:
| Jun-2003 |
Debt/Income ratio:
| 41% |
Credit score:
| 780-799 (Jan-2013) |
Inquiries last 6m:
| 0 | Employment status: | Employed |
Now delinquent:
| 0 |
Current / open credit lines:
| 12
/
11 | Length of status: | 5y 3m |
Amount delinquent:
| $0 |
Total credit lines:
| 20 |
Occupation: | Engineer - Mechanic... |
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $10,268 | Stated income: | $50,000-$74,999 |
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 20% | | |
| |
Homeownership:
| Yes | | |
Screen name:
| intelligent-market8 |
Borrower's state:
| NewYork |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Description
Green Loan
Purpose of loan: Green Loan
I am a good candidate for this loan because:
I have fixed permanent Fulltime Job
I have Golden Credit History
I will pay the loan before the due date
Very deligent and Trusted member
Thanks a lot for your help
Ask me any question if you have
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
713086
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:
| $11,000.00 |
Prosper Rating:
| D |
Listing Duration:
| 14 days
|
Minimum Amount to Fund:
| $7,700 |
Estimated loss*:
| 9.75% | | |
Term:
| 60 months | | | | |
|
Lender yield:
| 23.32% |
Borrower rate/APR:
| 24.32% / 26.88% |
Monthly payment:
| $318.49 |
|
Lender servicing fee:
| 1.00% |
Effective Yield*:
| 21.48% | | |
| |
Estimated return*:
| 11.73% | | |
* 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:
| Jun-2003 |
Debt/Income ratio:
| 21% |
Credit score:
| 680-699 (Feb-2013) |
Inquiries last 6m:
| 0 | Employment status: | Employed |
Now delinquent:
| 0 |
Current / open credit lines:
| 6
/
6 | Length of status: | 7y 11m |
Amount delinquent:
| $0 |
Total credit lines:
| 9 |
Occupation: | Military Enlisted |
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $10,678 | Stated income: | $25,000-$49,999 |
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 59% | | |
| |
Homeownership:
| No | | |
Screen name:
| RudyCom5 |
Borrower's state:
| Texas |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Description
Debt consolidation
Purpose of loan:
Debt Consolidation
My financial situation:
Secure job
Monthly net income: $ 4600
Monthly expenses: $ 1500
Housing: $ 700
Insurance: $ 150
Car expenses: $ 0
Utilities: $ 100
Phone, cable, internet: $ 200
Food, entertainment: $ 100
Clothing, household expenses: $ 100
Credit cards and other loans: $ 520
Other expenses: $ 120
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
713182
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount:
| $5,000.00 |
Prosper Rating:
| D |
Listing Duration:
| 14 days
|
Minimum Amount to Fund:
| $3,500 |
Estimated loss*:
| 10.75% | | |
Term:
| 60 months | | | | |
|
Lender yield:
| 24.79% |
Borrower rate/APR:
| 25.79% / 28.39% |
Monthly payment:
| $149.08 |
|
Lender servicing fee:
| 1.00% |
Effective Yield*:
| 22.74% | | |
| |
Estimated return*:
| 11.99% | | |
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10):
| 3 |
First credit line:
| Nov-1997 |
Debt/Income ratio:
| 32% |
Credit score:
| 720-739 (Feb-2013) |
Inquiries last 6m:
| 0 | Employment status: | Employed |
Now delinquent:
| 0 |
Current / open credit lines:
| 7
/
5 | Length of status: | 5y 4m |
Amount delinquent:
| $0 |
Total credit lines:
| 13 |
Occupation: | Food Service |
Public records last 12m / 10y:
| 0/ 1 |
Revolving credit balance:
| $7,241 | Stated income: | $1-$24,999 |
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 51% | | |
| |
Homeownership:
| No | | |
Screen name:
| neighborly-payment67 |
Borrower's state:
| Kansas |
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: $ 896
Monthly expenses: $50
Housing: $0
Insurance: $80
Car expenses: $0
Utilities: $35
Phone, cable, internet: $190
Food, entertainment: $100
Clothing, household expenses: $0
Credit cards and other loans: $0
Other expenses: $0
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
705621
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount:
| $8,500.00 |
Prosper Rating:
| A |
Listing Duration:
| 14 days
|
Minimum Amount to Fund:
| $8,500 |
Estimated loss*:
| 3.24% | | |
Term:
| 36 months | | | | |
|
Lender yield:
| 10.53% |
Borrower rate/APR:
| 11.53% / 14.35% |
Monthly payment:
| $280.42 |
|
Lender servicing fee:
| 1.00% |
Effective Yield*:
| 10.15% | | |
| |
Estimated return*:
| 6.91% | | |
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10):
| 8 |
First credit line:
| Jul-2002 |
Debt/Income ratio:
| 48% |
Credit score:
| 700-719 (Jan-2013) |
Inquiries last 6m:
| 4 | Employment status: | Employed |
Now delinquent:
| 0 |
Current / open credit lines:
| 13
/
12 | Length of status: | 5y 10m |
Amount delinquent:
| $0 |
Total credit lines:
| 33 |
Occupation: | Professional |
Public records last 12m / 10y:
| 0/ 1 |
Revolving credit balance:
| $4,146 | Stated income: | $25,000-$49,999 |
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 18% | | |
| |
Homeownership:
| Yes | | |
Screen name:
| FITN40 |
Borrower's state:
| Illinois |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan history | Payment history | Credit score history |
Active / total loans:
| 0 / 5 |
On-time:
| 54 ( 100% )
| 700-719 (Latest)
|
Principal borrowed:
| $45,800.00 | < 31 days late:
| 0
( 0% )
| 640-659
(Sep-2012)
700-719
(Nov-2011)
700-719
(Jul-2010)
720-739
(Jan-2010)
|
Principal balance:
| $0.01 |
31+ days late:
| 0
( 0% )
|
Total payments billed:
| 54 | | |
Description
Business
Purpose of loan:
This loan will be used to...Start up costs for independent personal training and fitness and nutrition consulting business.
My financial situation:
I am a good candidate for this loan because...I have had previous loans with Prosper all paid as agreed and on time. I will be earning a salary plus commission in my new venture as an instructor and trainer which is more than adequate to make my monthly loan payment.
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
707345
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount:
| $10,500.00 |
Prosper Rating:
| A |
Listing Duration:
| 14 days
|
Minimum Amount to Fund:
| $10,500 |
Estimated loss*:
| 3.49% | | |
Term:
| 60 months | | | | |
|
Lender yield:
| 11.19% |
Borrower rate/APR:
| 12.19% / 14.45% |
Monthly payment:
| $234.58 |
|
Lender servicing fee:
| 1.00% |
Effective Yield*:
| 10.76% | | |
| |
Estimated return*:
| 7.27% | | |
* 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-1989 |
Debt/Income ratio:
| 17% |
Credit score:
| 760-779 (Feb-2013) |
Inquiries last 6m:
| 0 | Employment status: | Employed |
Now delinquent:
| 0 |
Current / open credit lines:
| 10
/
9 | Length of status: | 14y 10m |
Amount delinquent:
| $0 |
Total credit lines:
| 18 |
Occupation: | Police Officer/Corr... |
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $4,912 | Stated income: | $50,000-$74,999 |
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 31% | | |
| |
Homeownership:
| No | | |
Screen name:
| blue-special-kindness |
Borrower's state:
| Nebraska |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Description
Debt consolidation
Purpose of loan:
This loan will be used to...
My financial situation:
I am a good candidate for this loan because...
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
711137
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount:
| $10,000.00 |
Prosper Rating:
| C |
Listing Duration:
| 14 days
|
Minimum Amount to Fund:
| $7,000 |
Estimated loss*:
| 6.74% | | |
Term:
| 60 months | | | | |
|
Lender yield:
| 18.84% |
Borrower rate/APR:
| 19.84% / 22.28% |
Monthly payment:
| $264.05 |
|
Lender servicing fee:
| 1.00% |
Effective Yield*:
| 17.65% | | |
| |
Estimated return*:
| 10.91% | | |
* 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:
| Jun-2006 |
Debt/Income ratio:
| 30% |
Credit score:
| 800-819 (Feb-2013) |
Inquiries last 6m:
| 1 | Employment status: | Employed |
Now delinquent:
| 0 |
Current / open credit lines:
| 12
/
12 | Length of status: | 4y 9m |
Amount delinquent:
| $0 |
Total credit lines:
| 18 |
Occupation: | Nurse (RN) |
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $2,798 | Stated income: | $50,000-$74,999 |
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 26% | | |
| |
Homeownership:
| Yes | | |
Screen name:
| bath8 |
Borrower's state:
| Texas |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Description
Home improvement
Purpose of loan:
This loan will be used to...
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
711661
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount:
| $6,000.00 |
Prosper Rating:
| D |
Listing Duration:
| 14 days
|
Minimum Amount to Fund:
| $6,000 |
Estimated loss*:
| 10.75% | | |
Term:
| 60 months | | | | |
|
Lender yield:
| 24.79% |
Borrower rate/APR:
| 25.79% / 28.39% |
Monthly payment:
| $178.90 |
|
Lender servicing fee:
| 1.00% |
Effective Yield*:
| 22.74% | | |
| |
Estimated return*:
| 11.99% | | |
* 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:
| Jun-2000 |
Debt/Income ratio:
| 9% |
Credit score:
| 660-679 (Feb-2013) |
Inquiries last 6m:
| 0 | Employment status: | Employed |
Now delinquent:
| 3 |
Current / open credit lines:
| 7
/
5 | Length of status: | 13y 1m |
Amount delinquent:
| $458 |
Total credit lines:
| 25 |
Occupation: | Sales - Commission |
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $2,077 | Stated income: | $75,000-$99,999 |
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 92% | | |
| |
Homeownership:
| Yes | | |
Screen name:
| calm-dinero724 |
Borrower's state:
| Indiana |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Description
Debt consolidation
Purpose of loan: combine a couple bills
This loan will be used to...
Consolidate debt, (credit card, medical, auto)
My financial situation: good
I am a good candidate for this loan because...
I have a long term work history with my employer and earn an above average wage.
Monthly net income: $6250
Monthly expenses: $2600
Housing: $850.
Insurance: $160.
Car expenses: $205.
Utilities: $175.
Phone, cable, internet: $180.
Food, entertainment: $600
Clothing, household expenses: $200
Credit cards and other loans: $300.
Other expenses: $
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
711747
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*:
| 11.75% | | |
Term:
| 12 months | | | | |
|
Lender yield:
| 19.64% |
Borrower rate/APR:
| 20.64% / 28.53% |
Monthly payment:
| $371.76 |
|
Lender servicing fee:
| 1.00% |
Effective Yield*:
| 17.93% | | |
| |
Estimated return*:
| 6.18% | | |
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10):
| 2 |
First credit line:
| Sep-1999 |
Debt/Income ratio:
| 13% |
Credit score:
| 780-799 (Feb-2013) |
Inquiries last 6m:
| 5 | Employment status: | Employed |
Now delinquent:
| 1 |
Current / open credit lines:
| 17
/
15 | Length of status: | 2y 5m |
Amount delinquent:
| $0 |
Total credit lines:
| 34 |
Occupation: | Doctor |
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $6,563 | Stated income: | $100,000+ |
Delinquencies in last 7y:
| 6 |
Bankcard utilization:
| 20% | | |
| |
Homeownership:
| Yes | | |
Screen name:
| first-triumphant-affluence |
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
Medical practice expense
Purpose of loan:
This loan will be used to...fund investment in a medical practice
My financial situation:
I am a good candidate for this loan because... I have a very high income and my debt to income ratio is 20%
Monthly net income: $> 100,000
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
711905
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount:
| $4,500.00 |
Prosper Rating:
| A |
Listing Duration:
| 14 days
|
Minimum Amount to Fund:
| $3,150 |
Estimated loss*:
| 3.24% | | |
Term:
| 60 months | | | | |
|
Lender yield:
| 10.69% |
Borrower rate/APR:
| 11.69% / 13.94% |
Monthly payment:
| $99.40 |
|
Lender servicing fee:
| 1.00% |
Effective Yield*:
| 10.30% | | |
| |
Estimated return*:
| 7.06% | | |
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10):
| 8 |
First credit line:
| Nov-1972 |
Debt/Income ratio:
| 15% |
Credit score:
| 780-799 (Feb-2013) |
Inquiries last 6m:
| 0 | Employment status: | Employed |
Now delinquent:
| 0 |
Current / open credit lines:
| 22
/
22 | Length of status: | 11y 6m |
Amount delinquent:
| $0 |
Total credit lines:
| 46 |
Occupation: | Doctor |
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $13,579 | Stated income: | $75,000-$99,999 |
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 9% | | |
| |
Homeownership:
| Yes | | |
Screen name:
| order-star0 |
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
Baby & Adoption Loans
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
712031
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount:
| $17,127.00 |
Prosper Rating:
| A |
Listing Duration:
| 14 days
|
Minimum Amount to Fund:
| $11,988.90 |
Estimated loss*:
| 2.99% | | |
Term:
| 36 months | | | | |
|
Lender yield:
| 9.89% |
Borrower rate/APR:
| 10.89% / 13.70% |
Monthly payment:
| $559.82 |
|
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:
| Mar-2000 |
Debt/Income ratio:
| 16% |
Credit score:
| 780-799 (Feb-2013) |
Inquiries last 6m:
| 1 | Employment status: | Employed |
Now delinquent:
| 1 |
Current / open credit lines:
| 9
/
9 | Length of status: | 5y 7m |
Amount delinquent:
| $0 |
Total credit lines:
| 21 |
Occupation: | Other |
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $24,867 | Stated income: | $75,000-$99,999 |
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 1% | | |
| |
Homeownership:
| Yes | | |
Screen name:
| wise-commanding-fairness |
Borrower's state:
| Florida |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Description
Debt consolidation
Purpose of loan:
This loan will be used to...
My financial situation:
I am a good candidate for this loan because...
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
712055
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount:
| $5,000.00 |
Prosper Rating:
| C |
Listing Duration:
| 14 days
|
Minimum Amount to Fund:
| $3,500 |
Estimated loss*:
| 8.74% | | |
Term:
| 12 months | | | | |
|
Lender yield:
| 15.56% |
Borrower rate/APR:
| 16.56% / 24.37% |
Monthly payment:
| $454.98 |
|
Lender servicing fee:
| 1.00% |
Effective Yield*:
| 14.38% | | |
| |
Estimated return*:
| 5.64% | | |
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10):
| 2 |
First credit line:
| Jul-1992 |
Debt/Income ratio:
| 35% |
Credit score:
| 660-679 (Feb-2013) |
Inquiries last 6m:
| 4 | Employment status: | Employed |
Now delinquent:
| 1 |
Current / open credit lines:
| 16
/
14 | Length of status: | 12y 1m |
Amount delinquent:
| $104 |
Total credit lines:
| 28 |
Occupation: | Professional |
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $23,191 | Stated income: | $100,000+ |
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 96% | | |
| |
Homeownership:
| Yes | | |
Screen name:
| established-durability3 |
Borrower's state:
| Illinois |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan history | Payment history | Credit score history |
Active / total loans:
| 1 / 2 |
On-time:
| 20 ( 100% )
| 660-679 (Latest)
|
Principal borrowed:
| $10,400.00 | < 31 days late:
| 0
( 0% )
| 700-719
(Apr-2012)
720-739
(Aug-2011)
|
Principal balance:
| $1,558.24 |
31+ days late:
| 0
( 0% )
|
Total payments billed:
| 20 | | |
Description
Recover from unexpected expenses
Purpose of loan: Recover from unexpected expenses.
My financial situation: Good income and career stabilty. Solid payment history.
Monthly net income: $7462
Monthly expenses: $5386
Housing: $1057
Insurance: $155
Car expenses: $467
Utilities: $217
Phone, cable, internet: $371
Food, entertainment: $662
Clothing, household expenses: $238
Credit cards and other loans: $2219
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
712073
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:
| $14,700.00 |
Prosper Rating:
| A |
Listing Duration:
| 14 days
|
Minimum Amount to Fund:
| $10,290 |
Estimated loss*:
| 3.49% | | |
Term:
| 60 months | | | | |
|
Lender yield:
| 11.19% |
Borrower rate/APR:
| 12.19% / 14.45% |
Monthly payment:
| $328.41 |
|
Lender servicing fee:
| 1.00% |
Effective Yield*:
| 10.76% | | |
| |
Estimated return*:
| 7.27% | | |
* 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:
| Dec-1995 |
Debt/Income ratio:
| 23% |
Credit score:
| 680-699 (Feb-2013) |
Inquiries last 6m:
| 0 | Employment status: | Employed |
Now delinquent:
| 0 |
Current / open credit lines:
| 9
/
8 | Length of status: | 29y 7m |
Amount delinquent:
| $0 |
Total credit lines:
| 23 |
Occupation: | Professional |
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $43,748 | Stated income: | $50,000-$74,999 |
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 87% | | |
| |
Homeownership:
| Yes | | |
Screen name:
| Yvette43 |
Borrower's state:
| Georgia |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan history | Payment history | Credit score history |
Active / total loans:
| 1 / 3 |
On-time:
| 51 ( 60% )
| 680-699 (Latest)
|
Principal borrowed:
| $23,501.00 | < 31 days late:
| 34
( 40% )
| 740-759
(Nov-2011)
780-799
(Jul-2009)
780-799
(Mar-2008)
|
Principal balance:
| $5,518.41 |
31+ days late:
| 0
( 0% )
|
Total payments billed:
| 85 | | |
Description
Debt consolidation
Purpose of loan:
I am still a hardworking, professional woman that has been employed full-time for almost 30 years with a good income. In addition, I have owned a small vending business part-time for over 7 years which I expanded recently with another prosper loan. In 2011, I was referred to a great location to expand my business. I acquired a prosper loan and successfully expanded my business again. After successfully servicing that location for almost a year, I lost that location to a bigger and more competitive business with more resources. However, I am still required to pay my current loan amount of $277 and my other expenses.
My financial situation:
As you can see, I have a very good credit history and I have always remained current on all of my prosper loans. I have received two (2) prosper loans, in the past, and have successfully paid them both off. I really love my business and I would like to be able to maintain my good credit rating by obtaining another prosper loan to pay off these bills and obtain more financial freedom and to give to others. Another loan from Prosper would enable me to do.
Monthly Net Income: Approximately $4,100 (Full-time)/approximately $250 from my vending business.
Monthly Expenses: Approximately $1160
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
712091
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount:
| $15,500.00 |
Prosper Rating:
| A |
Listing Duration:
| 14 days
|
Minimum Amount to Fund:
| $10,850 |
Estimated loss*:
| 2.49% | | |
Term:
| 36 months | | | | |
|
Lender yield:
| 8.74% |
Borrower rate/APR:
| 9.74% / 12.53% |
Monthly payment:
| $498.25 |
|
Lender servicing fee:
| 1.00% |
Effective Yield*:
| 8.49% | | |
| |
Estimated return*:
| 6.00% | | |
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10):
| 10 |
First credit line:
| Jul-1992 |
Debt/Income ratio:
| 14% |
Credit score:
| 760-779 (Feb-2013) |
Inquiries last 6m:
| 1 | Employment status: | Employed |
Now delinquent:
| 0 |
Current / open credit lines:
| 10
/
8 | Length of status: | 21y 2m |
Amount delinquent:
| $0 |
Total credit lines:
| 24 |
Occupation: | Other |
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $8,570 | Stated income: | $50,000-$74,999 |
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 15% | | |
| |
Homeownership:
| Yes | | |
Screen name:
| chosen-one280 |
Borrower's state:
| Illinois |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan history | Payment history | Credit score history |
Active / total loans:
| 0 / 1 |
On-time:
| 6 ( 100% )
| 760-779 (Latest)
|
Principal borrowed:
| $20,000.00 | < 31 days late:
| 0
( 0% )
| 780-799
(Dec-2011)
|
Principal balance:
| $0.00 |
31+ days late:
| 0
( 0% )
|
Total payments billed:
| 6 | | |
Description
Debt consolidation
Purpose of loan:
Pay a tax debt and pay off a high interest American Express debt.
My financial situation: I'm in great financial shape. I've recently reduced my mortgage through a refinance.
I've never defaulted on a debt. I have in fact borrowed money here through Prosper and paid it back in full.
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
712537
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:
| $11,000.00 |
Prosper Rating:
| AA |
Listing Duration:
| 14 days
|
Minimum Amount to Fund:
| $11,000 |
Estimated loss*:
| 1.24% | | |
Term:
| 12 months | | | | |
|
Lender yield:
| 5.15% |
Borrower rate/APR:
| 6.15% / 7.09% |
Monthly payment:
| $947.49 |
|
Lender servicing fee:
| 1.00% |
Effective Yield*:
| 5.07% | | |
| |
Estimated return*:
| 3.83% | | |
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10):
| 8 |
First credit line:
| Mar-1995 |
Debt/Income ratio:
| 21% |
Credit score:
| 800-819 (Feb-2013) |
Inquiries last 6m:
| 0 | Employment status: | Employed |
Now delinquent:
| 0 |
Current / open credit lines:
| 10
/
9 | Length of status: | 15y 0m |
Amount delinquent:
| $0 |
Total credit lines:
| 29 |
Occupation: | Retail Management |
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $10,844 | Stated income: | $50,000-$74,999 |
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 21% | | |
| |
Homeownership:
| Yes | | |
Screen name:
| drummer987 |
Borrower's state:
| Arizona |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Description
Debt consolidation
Purpose of loan:
This loan will be used to... Pay off higher interest debt
My financial situation:
I am a good candidate for this loan because... I have 0 late bills in years
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
712555
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:
| E |
Listing Duration:
| 14 days
|
Minimum Amount to Fund:
| $2,100 |
Estimated loss*:
| 12.75% | | |
Term:
| 36 months | | | | |
|
Lender yield:
| 26.12% |
Borrower rate/APR:
| 27.12% / 31.03% |
Monthly payment:
| $122.67 |
|
Lender servicing fee:
| 1.00% |
Effective Yield*:
| 23.82% | | |
| |
Estimated return*:
| 11.07% | | |
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10):
| 2 |
First credit line:
| Jun-1991 |
Debt/Income ratio:
| 5% |
Credit score:
| 660-679 (Feb-2013) |
Inquiries last 6m:
| 1 | Employment status: | Employed |
Now delinquent:
| 2 |
Current / open credit lines:
| 4
/
4 | Length of status: | 1y 9m |
Amount delinquent:
| $4,501 |
Total credit lines:
| 14 |
Occupation: | Professional |
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $2,912 | Stated income: | $100,000+ |
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 95% | | |
| |
Homeownership:
| No | | |
Screen name:
| favorable-moola564 |
Borrower's state:
| California |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Description
Debt consolidation
Purpose of loan:
This loan will be used to...
My financial situation:
I am a good candidate for this loan because...I earn high income and want to consolidate a couple of payday loans for quicker payoff and lower payments
Monthly net income: $8500.00
Monthly expenses: $5300
Housing: $2100
Insurance: $120.00!
Car expenses: $350.00
Utilities: $250.00
Phone, cable, internet: $100.00
Food, entertainment: $200.
Clothing, household expenses: $100.00
Credit cards and other loans: $2000.00
Other expenses: $
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
713047
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount:
| $4,000.00 |
Prosper Rating:
| E |
Listing Duration:
| 14 days
|
Minimum Amount to Fund:
| $2,800 |
Estimated loss*:
| 12.75% | | |
Term:
| 36 months | | | | |
|
Lender yield:
| 26.12% |
Borrower rate/APR:
| 27.12% / 31.03% |
Monthly payment:
| $163.56 |
|
Lender servicing fee:
| 1.00% |
Effective Yield*:
| 23.82% | | |
| |
Estimated return*:
| 11.07% | | |
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10):
| 4 |
First credit line:
| Sep-1998 |
Debt/Income ratio:
| 6% |
Credit score:
| 640-659 (Feb-2013) |
Inquiries last 6m:
| 1 | Employment status: | Employed |
Now delinquent:
| 0 |
Current / open credit lines:
| 5
/
4 | Length of status: | 5y 5m |
Amount delinquent:
| $0 |
Total credit lines:
| 35 |
Occupation: | Sales - Commission |
Public records last 12m / 10y:
| 0/ 1 |
Revolving credit balance:
| $1,808 | Stated income: | $50,000-$74,999 |
Delinquencies in last 7y:
| 33 |
Bankcard utilization:
| 84% | | |
| |
Homeownership:
| No | | |
Screen name:
| justice-apple726 |
Borrower's state:
| Arizona |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Description
Home improvement
Purpose of loan:
This loan will be used to... complete home improvements including some concrete work in our back and front yards as well as a small area covered patio
My financial situation:
I am a good candidate for this loan because... I am paying all of my debts back and on time
Monthly net income: $3600
Monthly expenses: $1800 total
Housing: $613
Insurance: $48
Car expenses: $375
Utilities: $165
Phone, cable, internet: $205
Food, entertainment: $200
Clothing, household expenses: $100
Credit cards and other loans: $75
Other expenses: $
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
713115
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount:
| $10,000.00 |
Prosper Rating:
| B |
Listing Duration:
| 14 days
|
Minimum Amount to Fund:
| $7,000 |
Estimated loss*:
| 5.99% | | |
Term:
| 36 months | | | | |
|
Lender yield:
| 15.79% |
Borrower rate/APR:
| 16.79% / 20.46% |
Monthly payment:
| $355.48 |
|
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):
| 5 |
First credit line:
| Dec-1988 |
Debt/Income ratio:
| Self-employed (DTI Not Calculated) |
Credit score:
| 680-699 (Feb-2013) |
Inquiries last 6m:
| 0 | Employment status: | Self-employed |
Now delinquent:
| 0 |
Current / open credit lines:
| 6
/
4 | Length of status: | 3y 8m |
Amount delinquent:
| $0 |
Total credit lines:
| 13 |
Occupation: | Sales - Retail |
Public records last 12m / 10y:
| 0/ 1 |
Revolving credit balance:
| $6,566 | Stated income: | $100,000+ |
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 78% | | |
| |
Homeownership:
| No | | |
Screen name:
| capital-zenith |
Borrower's state:
| California |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan history | Payment history | Credit score history |
Active / total loans:
| 0 / 2 |
On-time:
| 16 ( 100% )
| 680-699 (Latest)
|
Principal borrowed:
| $11,500.00 | < 31 days late:
| 0
( 0% )
| 660-679
(Apr-2012)
740-759
(Sep-2011)
700-719
(Aug-2010)
740-759
(Nov-2009)
|
Principal balance:
| $0.00 |
31+ days late:
| 0
( 0% )
|
Total payments billed:
| 16 | | |
Description
Business
Purpose of loan:
This loan will be used to...finance new orders
My financial situation:
I am a good candidate for this loan because...I have two previous Proser loans. Payments made on time and final paymnets paid off early.
Monthly net income: $6,000+
Monthly expenses: $4,000
Housing: $2000
Insurance: $500
Car expenses: $500
Utilities: $250
Phone, cable, internet: $250
Food, entertainment: $600
Clothing, household expenses: $200
Credit cards and other loans: $200
Other expenses: $
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
713131
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount:
| $4,000.00 |
Prosper Rating:
| E |
Listing Duration:
| 14 days
|
Minimum Amount to Fund:
| $2,800 |
Estimated loss*:
| 12.25% | | |
Term:
| 60 months | | | | |
|
Lender yield:
| 27.09% |
Borrower rate/APR:
| 28.09% / 30.75% |
Monthly payment:
| $124.76 |
|
Lender servicing fee:
| 1.00% |
Effective Yield*:
| 24.73% | | |
| |
Estimated return*:
| 12.48% | | |
* 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-1975 |
Debt/Income ratio:
| 11% |
Credit score:
| 660-679 (Feb-2013) |
Inquiries last 6m:
| 2 | Employment status: | Employed |
Now delinquent:
| 0 |
Current / open credit lines:
| 7
/
6 | Length of status: | 2y 1m |
Amount delinquent:
| $0 |
Total credit lines:
| 12 |
Occupation: | Sales - Commission |
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $2,033 | Stated income: | $25,000-$49,999 |
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 30% | | |
| |
Homeownership:
| No | | |
Screen name:
| restless-social991 |
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: Debt Consolidation
This loan will be used to... Be free from debt forever!
My financial situation: I am a full time employee, and I have been working for the last 8 years.
I am a good candidate for this loan because... I have never missed a payment.
Monthly net income: $3300
Housing: $1200
Insurance: $50
Utilities: $50
Phone, cable, internet: $70
Food, entertainment: $230
Clothing, household expenses: $100
Credit cards and other loans: $100
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
713145
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*:
| 9.25% | | |
Term:
| 36 months | | | | |
|
Lender yield:
| 20.99% |
Borrower rate/APR:
| 21.99% / 25.78% |
Monthly payment:
| $152.74 |
|
Lender servicing fee:
| 1.00% |
Effective Yield*:
| 19.37% | | |
| |
Estimated return*:
| 10.12% | | |
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10):
| 2 |
First credit line:
| Oct-2002 |
Debt/Income ratio:
| 39% |
Credit score:
| 680-699 (Feb-2013) |
Inquiries last 6m:
| 0 | Employment status: | Employed |
Now delinquent:
| 1 |
Current / open credit lines:
| 6
/
6 | Length of status: | 3y 3m |
Amount delinquent:
| $88 |
Total credit lines:
| 23 |
Occupation: | Other |
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $29,508 | Stated income: | $50,000-$74,999 |
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 102% | | |
| |
Homeownership:
| Yes | | |
Screen name:
| compassion-raccoon |
Borrower's state:
| Michigan |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan history | Payment history | Credit score history |
Active / total loans:
| 0 / 1 |
On-time:
| 12 ( 63% )
| 680-699 (Latest)
|
Principal borrowed:
| $7,000.00 | < 31 days late:
| 7
( 37% )
| 760-779
(Apr-2011)
|
Principal balance:
| $0.02 |
31+ days late:
| 0
( 0% )
|
Total payments billed:
| 19 | | |
Description
Unexpected Medical Expenses
Purpose of loan: Unexpected medical bills/ Debt
This loan will be used to help me pay off some unexpected expenses. This past year my very close sibling received the unfortunate news that we had to proceed with a bone marrow transplant due to the very aggressive type of lymphoma. Within the past year I have not only been a full-time employee and a mother of two young children but also became the primary caregiver along with being the matched donor for my sibling. The expenses added up very quickly from gas for transportation to hospital bills over the year. For a short time I had to reduce my work hours to provide the care needed and donate my bone marrow. I have been back to work full-time and now trying to catch up.
I am a good candidate for this loan because I have had a prior history borrowing with Prosper Marketplace Inc. and have met the requirements to repay all funds granted to me. I am loyal and appreciate any help that is offered to me!
Monthly net income: $4,500
Information in the Description is not verified.