Listing Report:Supplement No. 46 dated Mar 02, 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
705071
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*:
| 10.75% | | |
Term:
| 36 months | | | | |
|
Lender yield:
| 23.19% |
Borrower rate/APR:
| 24.19% / 28.03% |
Monthly payment:
| $589.99 |
|
Lender servicing fee:
| 1.00% |
Effective Yield*:
| 21.26% | | |
| |
Estimated return*:
| 10.51% | | |
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10):
| 4 |
First credit line:
| Mar-2002 |
Debt/Income ratio:
| 32% |
Credit score:
| 640-659 (Mar-2013) |
Inquiries last 6m:
| 0 | Employment status: | Employed |
Now delinquent:
| 4 |
Current / open credit lines:
| 6
/
6 | Length of status: | 6y 11m |
Amount delinquent:
| $1,547 |
Total credit lines:
| 18 |
Occupation: | Truck Driver |
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $0 | Stated income: | $25,000-$49,999 |
Delinquencies in last 7y:
| 5 |
Bankcard utilization:
| 0% | | |
| |
Homeownership:
| No | | |
Screen name:
| dabeave |
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
Loan consolidation
Purpose of loan:
The purpose of this loan will be for me to increase my credit score by paying off old loans and consolidate each loan and obtain a better interest rate.
This loan will be used to...
Car loan: 8.5 % student loan: 8% credit cards 20% (all together) I will consolidate these loans and pay the loan amount off and old loans in collection.
My financial situation:
I am stable and I have recently been listening to Dave Ramsey and learning about paying off debt in which he probly would not agree with however i feel paying off the debt paying an extra 50-70 a month extra will put me in the direction off a higher credit and fico score to purchase a home with a great interest rate and cheaper monthly payments and to be able to call his show and say I am debt freeee! ( you have to be a listener of the show to understand)
I am a good candidate for this loan because...
I am a good candidate for this loan for I make a good income but more so because I understand credit I understand money and my finances have goals that to me makes
Me a perfect candidate for u to invest in someone who is investing in themselves.
Monthly net income: $ 680
Monthly expenses: $ 800
Housing: $ 675
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
710147
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount:
| $25,000.00 |
Prosper Rating:
| AA |
Listing Duration:
| 14 days
|
Minimum Amount to Fund:
| $17,500 |
Estimated loss*:
| 1.49% | | |
Term:
| 36 months | | | | |
|
Lender yield:
| 6.59% |
Borrower rate/APR:
| 7.59% / 8.93% |
Monthly payment:
| $778.69 |
|
Lender servicing fee:
| 1.00% |
Effective Yield*:
| 6.47% | | |
| |
Estimated return*:
| 4.98% | | |
* 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:
| Aug-2008 |
Debt/Income ratio:
| 14% |
Credit score:
| 800-819 (Feb-2013) |
Inquiries last 6m:
| 1 | Employment status: | Employed |
Now delinquent:
| 0 |
Current / open credit lines:
| 9
/
9 | Length of status: | 2y 9m |
Amount delinquent:
| $0 |
Total credit lines:
| 13 |
Occupation: | Other |
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $5,885 | Stated income: | $100,000+ |
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 8% | | |
| |
Homeownership:
| Yes | | |
Screen name:
| Investor__1 |
Borrower's state:
| Minnesota |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Description
Home improvement
Purpose of loan:
Replace some windows, other minor home improvement projects/fixes.
My financial situation:
Steady income and employment. No past delinquencies.
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
720071
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:
| C |
Listing Duration:
| 14 days
|
Minimum Amount to Fund:
| $2,800 |
Estimated loss*:
| 6.24% | | |
Term:
| 36 months | | | | |
|
Lender yield:
| 16.34% |
Borrower rate/APR:
| 17.34% / 21.03% |
Monthly payment:
| $143.29 |
|
Lender servicing fee:
| 1.00% |
Effective Yield*:
| 15.36% | | |
| |
Estimated return*:
| 9.12% | | |
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10):
| 4 |
First credit line:
| Jul-2005 |
Debt/Income ratio:
| 36% |
Credit score:
| 700-719 (Feb-2013) |
Inquiries last 6m:
| 0 | Employment status: | Employed |
Now delinquent:
| 0 |
Current / open credit lines:
| 10
/
10 | Length of status: | 4y 7m |
Amount delinquent:
| $0 |
Total credit lines:
| 19 |
Occupation: | Other |
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $5,380 | Stated income: | $1-$24,999 |
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 44% | | |
| |
Homeownership:
| No | | |
Screen name:
| reward-enthusiast7 |
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: Consolidate my credit card debt
This loan will be used to...
My financial situation:
I am a good candidate for this loan because I pay my bills on time every month and I have good credit.
Monthly net income: $1320
Monthly expenses: $950
Housing: $330
Insurance: $40
Car expenses: $315.00
Phone, cable, internet: $75
Credit cards and other loans: $190 (These will all be consolidated in the loan)
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
720723
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount:
| $15,000.00 |
Prosper Rating:
| C |
Listing Duration:
| 14 days
|
Minimum Amount to Fund:
| $15,000 |
Estimated loss*:
| 6.49% | | |
Term:
| 60 months | | | | |
|
Lender yield:
| 18.14% |
Borrower rate/APR:
| 19.14% / 21.57% |
Monthly payment:
| $390.26 |
|
Lender servicing fee:
| 1.00% |
Effective Yield*:
| 17.02% | | |
| |
Estimated return*:
| 10.53% | | |
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10):
| 5 |
First credit line:
| Sep-1992 |
Debt/Income ratio:
| 43% |
Credit score:
| 780-799 (Feb-2013) |
Inquiries last 6m:
| 0 | Employment status: | Employed |
Now delinquent:
| 0 |
Current / open credit lines:
| 21
/
20 | Length of status: | 18y 6m |
Amount delinquent:
| $0 |
Total credit lines:
| 34 |
Occupation: | Clerical |
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $26,078 | Stated income: | $25,000-$49,999 |
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 27% | | |
| |
Homeownership:
| Yes | | |
Screen name:
| p2p-commando3 |
Borrower's state:
| Michigan |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Description
Debt consolidation
Purpose of loan:
This loan will be used to...consolidate credit cards
My financial situation:
I am a good candidate for this loan because...
Monthly net income: $1800
Monthly expenses: $0
Housing: $0
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
721169
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*:
| 10.75% | | |
Term:
| 36 months | | | | |
|
Lender yield:
| 23.19% |
Borrower rate/APR:
| 24.19% / 28.03% |
Monthly payment:
| $589.99 |
|
Lender servicing fee:
| 1.00% |
Effective Yield*:
| 21.26% | | |
| |
Estimated return*:
| 10.51% | | |
* 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-1977 |
Debt/Income ratio:
| 26% |
Credit score:
| 700-719 (Mar-2013) |
Inquiries last 6m:
| 0 | Employment status: | Employed |
Now delinquent:
| 0 |
Current / open credit lines:
| 8
/
6 | Length of status: | 1y 4m |
Amount delinquent:
| $0 |
Total credit lines:
| 34 |
Occupation: | Nurse (RN) |
Public records last 12m / 10y:
| 0/ 1 |
Revolving credit balance:
| $13,906 | Stated income: | $75,000-$99,999 |
Delinquencies in last 7y:
| 9 |
Bankcard utilization:
| 94% | | |
| |
Homeownership:
| Yes | | |
Screen name:
| dollar-admirer0 |
Borrower's state:
| Michigan |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Description
Debt consolidation
Purpose of loan:
This loan will be used to...
My financial situation:
I am a good candidate for this loan because...
Monthly net income: $
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
721981
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount:
| $2,000.00 |
Prosper Rating:
| B |
Listing Duration:
| 14 days
|
Minimum Amount to Fund:
| $2,000 |
Estimated loss*:
| 5.49% | | |
Term:
| 36 months | | | | |
|
Lender yield:
| 14.99% |
Borrower rate/APR:
| 15.99% / 19.65% |
Monthly payment:
| $70.30 |
|
Lender servicing fee:
| 1.00% |
Effective Yield*:
| 14.17% | | |
| |
Estimated return*:
| 8.68% | | |
* 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):
| 6 |
First credit line:
| Dec-1987 |
Debt/Income ratio:
| 32% |
Credit score:
| 780-799 (Mar-2013) |
Inquiries last 6m:
| 0 | Employment status: | Employed |
Now delinquent:
| 0 |
Current / open credit lines:
| 8
/
8 | Length of status: | 3y 7m |
Amount delinquent:
| $0 |
Total credit lines:
| 20 |
Occupation: | Clerical |
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $5,610 | Stated income: | $1-$24,999 |
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 36% | | |
| |
Homeownership:
| Yes | | |
Screen name:
| statuesque-bid356 |
Borrower's state:
| Arkansas |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Description
Other
Purpose of loan:
This loan will be used to..help pay bills, because I have had 2 surgeries in the last 4 weeks and have been unable to work.
My financial situation:
I am a good candidate for this loan because...I will be back to work soon and I pay my bills on time. Usually pay loans off early.
Monthly net income: $2572.00
Monthly expenses: $
Housing: $380.00
Insurance: $300.00
Car expenses: $280.00
Utilities: $140.00
Phone, cable, internet: $280
Food, entertainment: $500.00
Clothing, household expenses: $100.00
Credit cards and other loans: $370
Other expenses: $
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
722139
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount:
| $8,000.00 |
Prosper Rating:
| D |
Listing Duration:
| 14 days
|
Minimum Amount to Fund:
| $5,600 |
Estimated loss*:
| 11.25% | | |
Term:
| 36 months | | | | |
|
Lender yield:
| 23.92% |
Borrower rate/APR:
| 24.92% / 28.78% |
Monthly payment:
| $317.74 |
|
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):
| 2 |
First credit line:
| Nov-1985 |
Debt/Income ratio:
| 43% |
Credit score:
| 700-719 (Mar-2013) |
Inquiries last 6m:
| 1 | Employment status: | Employed |
Now delinquent:
| 0 |
Current / open credit lines:
| 15
/
15 | Length of status: | 15y 1m |
Amount delinquent:
| $0 |
Total credit lines:
| 55 |
Occupation: | Administrative Assi... |
Public records last 12m / 10y:
| 0/ 1 |
Revolving credit balance:
| $8,696 | Stated income: | $25,000-$49,999 |
Delinquencies in last 7y:
| 1 |
Bankcard utilization:
| 67% | | |
| |
Homeownership:
| No | | |
Screen name:
| best-fairness-library |
Borrower's state:
| Tennessee |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Description
Debt consolidation
Purpose of loan: debt consolidation
This loan will be used to...consolidate most of my bills into one payment
My financial situation: want to streamline my finances
I am a good candidate for this loan because... Will pay it back with no collection efforts
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
716320
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount:
| $2,500.00 |
Prosper Rating:
| B |
Listing Duration:
| 14 days
|
Minimum Amount to Fund:
| $2,500 |
Estimated loss*:
| 4.74% | | |
Term:
| 12 months | | | | |
|
Lender yield:
| 10.09% |
Borrower rate/APR:
| 11.09% / 16.80% |
Monthly payment:
| $221.06 |
|
Lender servicing fee:
| 1.00% |
Effective Yield*:
| 9.58% | | |
| |
Estimated return*:
| 4.84% | | |
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10):
| 5 |
First credit line:
| Nov-1996 |
Debt/Income ratio:
| 35% |
Credit score:
| 780-799 (Feb-2013) |
Inquiries last 6m:
| 1 | Employment status: | Employed |
Now delinquent:
| 0 |
Current / open credit lines:
| 15
/
14 | Length of status: | 7y 1m |
Amount delinquent:
| $0 |
Total credit lines:
| 55 |
Occupation: | Analyst |
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $14,646 | Stated income: | $50,000-$74,999 |
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 25% | | |
| |
Homeownership:
| Yes | | |
Screen name:
| kindness-prescription0 |
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...
me with paying off my credit cards.
My financial situation: is good
I am a good candidate for this loan because... I am a responsible individual and now that I can make the monthly payments.
Monthly net income: $3400.00
Monthly expenses: 2494
Housing: $0.00
Insurance: $200
Car expenses: $364
Utilities: $80
Phone, cable, internet: $150
Food, entertainment: $200
Clothing, household expenses: $
Credit cards and other loans: 1000
Other expenses:500
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
718874
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount:
| $13,000.00 |
Prosper Rating:
| B |
Listing Duration:
| 14 days
|
Minimum Amount to Fund:
| $9,100 |
Estimated loss*:
| 5.49% | | |
Term:
| 36 months | | | | |
|
Lender yield:
| 14.99% |
Borrower rate/APR:
| 15.99% / 19.65% |
Monthly payment:
| $456.98 |
|
Lender servicing fee:
| 1.00% |
Effective Yield*:
| 14.17% | | |
| |
Estimated return*:
| 8.68% | | |
* 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):
| 6 |
First credit line:
| Feb-1991 |
Debt/Income ratio:
| 12% |
Credit score:
| 780-799 (Feb-2013) |
Inquiries last 6m:
| 1 | Employment status: | Employed |
Now delinquent:
| 0 |
Current / open credit lines:
| 11
/
10 | Length of status: | 3y 0m |
Amount delinquent:
| $0 |
Total credit lines:
| 24 |
Occupation: | Professional |
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $7,168 | Stated income: | $75,000-$99,999 |
Delinquencies in last 7y:
| 13 |
Bankcard utilization:
| 26% | | |
| |
Homeownership:
| Yes | | |
Screen name:
| duty-den194 |
Borrower's state:
| Florida |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Description
Home improvement
Purpose of loan:
This loan will be used to...
New roof on the house.
My financial situation:
I am a good candidate for this loan because...
I have a solid income and have been working diligently to improve my credit.
Monthly net income: $90,000
Monthly expenses: $
Housing: $1351.00
Insurance: $100
Car expenses: $200
Utilities: $150
Phone, cable, internet: $150
Food, entertainment: $250
Clothing, household expenses: 200
Credit cards and other loans: $ 12000
Other expenses: $
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
720766
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:
| A |
Listing Duration:
| 14 days
|
Minimum Amount to Fund:
| $2,100 |
Estimated loss*:
| 3.49% | | |
Term:
| 12 months | | | | |
|
Lender yield:
| 8.05% |
Borrower rate/APR:
| 9.05% / 12.78% |
Monthly payment:
| $262.42 |
|
Lender servicing fee:
| 1.00% |
Effective Yield*:
| 7.73% | | |
| |
Estimated return*:
| 4.24% | | |
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10):
| 7 |
First credit line:
| Nov-1976 |
Debt/Income ratio:
| 7% |
Credit score:
| 740-759 (Feb-2013) |
Inquiries last 6m:
| 0 | Employment status: | Employed |
Now delinquent:
| 2 |
Current / open credit lines:
| 3
/
1 | Length of status: | 5y 0m |
Amount delinquent:
| $6 |
Total credit lines:
| 26 |
Occupation: | Skilled Labor |
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $135 | Stated income: | $50,000-$74,999 |
Delinquencies in last 7y:
| 43 |
Bankcard utilization:
| 1% | | |
| |
Homeownership:
| No | | |
Screen name:
| steady-credit486 |
Borrower's state:
| Pennsylvania |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan history | Payment history | Credit score history |
Active / total loans:
| 0 / 1 |
On-time:
| 3 ( 100% )
| 740-759 (Latest)
|
Principal borrowed:
| $2,000.00 | < 31 days late:
| 0
( 0% )
| 760-779
(Apr-2012)
|
Principal balance:
| $0.00 |
31+ days late:
| 0
( 0% )
|
Total payments billed:
| 3 | | |
Description
Debt consolidation
Purpose of loan:
This loan will be used to...
Pay off 2 creditcards an exgirlfriend ran up
My financial situation: is good because I have a good job
I am a good candidate for this loan because...I am after a fresh start and this loan will get me there. I will no longer let anyone else control my money.
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
721208
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount:
| $25,000.00 |
Prosper Rating:
| AA |
Listing Duration:
| 14 days
|
Minimum Amount to Fund:
| $25,000 |
Estimated loss*:
| 1.74% | | |
Term:
| 60 months | | | | |
|
Lender yield:
| 7.19% |
Borrower rate/APR:
| 8.19% / 10.37% |
Monthly payment:
| $509.19 |
|
Lender servicing fee:
| 1.00% |
Effective Yield*:
| 7.04% | | |
| |
Estimated return*:
| 5.30% | | |
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10):
| 9 |
First credit line:
| Apr-1994 |
Debt/Income ratio:
| 23% |
Credit score:
| 740-759 (Mar-2013) |
Inquiries last 6m:
| 0 | Employment status: | Employed |
Now delinquent:
| 0 |
Current / open credit lines:
| 11
/
11 | Length of status: | 25y 5m |
Amount delinquent:
| $0 |
Total credit lines:
| 33 |
Occupation: | Computer Programmer |
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $43,567 | Stated income: | $75,000-$99,999 |
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 55% | | |
| |
Homeownership:
| Yes | | |
Screen name:
| moola-squirrel566 |
Borrower's state:
| NewYork |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Description
Debt consolidation
Purpose of loan:
This loan will be used to...
My financial situation:
I am a good candidate for this loan because...
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
721244
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*:
| 6.99% | | |
Term:
| 60 months | | | | |
|
Lender yield:
| 19.24% |
Borrower rate/APR:
| 20.24% / 22.69% |
Monthly payment:
| $266.28 |
|
Lender servicing fee:
| 1.00% |
Effective Yield*:
| 18.00% | | |
| |
Estimated return*:
| 11.01% | | |
* 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-2002 |
Debt/Income ratio:
| Self-employed (DTI Not Calculated) |
Credit score:
| 720-739 (Mar-2013) |
Inquiries last 6m:
| 0 | Employment status: | Self-employed |
Now delinquent:
| 0 |
Current / open credit lines:
| 13
/
12 | Length of status: | 3y 5m |
Amount delinquent:
| $0 |
Total credit lines:
| 49 |
Occupation: | Accountant/CPA |
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $491 | Stated income: | $100,000+ |
Delinquencies in last 7y:
| 14 |
Bankcard utilization:
| 13% | | |
| |
Homeownership:
| No | | |
Screen name:
| kind-mindful-euro |
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: $ 12,000
Monthly expenses: $
Housing: $ 2,000
Insurance: $ 300
Car expenses: $ 250
Utilities: $ 500
Phone, cable, internet: $ 300
Food, entertainment: $ 500
Clothing, household expenses: $ 250
Credit cards and other loans: $ 3,000
Other expenses: $ 1,000
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
721624
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*:
| 8.74% | | |
Term:
| 36 months | | | | |
|
Lender yield:
| 20.24% |
Borrower rate/APR:
| 21.24% / 25.01% |
Monthly payment:
| $377.98 |
|
Lender servicing fee:
| 1.00% |
Effective Yield*:
| 18.73% | | |
| |
Estimated return*:
| 9.99% | | |
* 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:
| Jan-1998 |
Debt/Income ratio:
| 11% |
Credit score:
| 660-679 (Mar-2013) |
Inquiries last 6m:
| 1 | Employment status: | Employed |
Now delinquent:
| 0 |
Current / open credit lines:
| 7
/
7 | Length of status: | 5y 4m |
Amount delinquent:
| $0 |
Total credit lines:
| 14 |
Occupation: | Construction |
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $11,766 | Stated income: | $50,000-$74,999 |
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 62% | | |
| |
Homeownership:
| No | | |
Screen name:
| penny-motor6 |
Borrower's state:
| Massachusetts |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Description
Debt consolidation
Purpose of loan:
This loan will be used to...
My financial situation:
I am a good candidate for this loan because...
Monthly net income: $
Monthly expenses: $
Housing: $
Insurance: $
Car expenses: $
Utilities: $
Phone, cable, internet: $
Food, entertainment: $
Clothing, household expenses: $
Credit cards and other loans: $
Other expenses: $
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
721756
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:
| Jun-2004 |
Debt/Income ratio:
| 19% |
Credit score:
| Not Available (Feb-2013) |
Inquiries last 6m:
| 0 | Employment status: | Employed |
Now delinquent:
| 0 |
Current / open credit lines:
| 9
/
7 | Length of status: | 8y 10m |
Amount delinquent:
| $0 |
Total credit lines:
| 21 |
Occupation: | Skilled Labor |
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $14,420 | Stated income: | $50,000-$74,999 |
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 97% | | |
| |
Homeownership:
| Yes | | |
Screen name:
| credit-merry-maker3 |
Borrower's state:
| Tennessee |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Description
Business
Purpose of loan: Business Start-up costs
This loan will be used to..Fund a Professional Tax Preparation Service. My wife and I are both Certified Tax Professionals and are looking to start our own business. We already have an established and positive professional relationship with the local community as Tax Preparers. This is supported by our great customer service reputation.
My financial situation:is stable. We are looking to increase our market share by opening up our own business.
I am a good candidate for this loan because prior to 911 I owned and operated a successful business for 7+ years. In addition, we (my wife and I) have a combined 25 years of business management experience. We are looking to build upon these prior experiences and the knowledge we have gained in our recent 4+ years of doing taxes. Our goal is to establish our first store with mulitple stores to follow.
Monthly net income: $5167
Monthly expenses: $
Housing: $1225
Insurance: $95
Car expenses: $100
Utilities: $225
Phone, cable, internet: $115
Food, entertainment: $550
Clothing, household expenses: $150
Credit cards and other loans: $445
Other expenses: $
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
721830
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount:
| $4,000.00 |
Prosper Rating:
| HR |
Listing Duration:
| 14 days
|
Minimum Amount to Fund:
| $2,800 |
Estimated loss*:
| 15.75% | | |
Term:
| 36 months | | | | |
|
Lender yield:
| 30.34% |
Borrower rate/APR:
| 31.34% / 35.36% |
Monthly payment:
| $172.76 |
|
Lender servicing fee:
| 1.00% |
Effective Yield*:
| 27.60% | | |
| |
Estimated return*:
| 11.85% | | |
* 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:
| Mar-1980 |
Debt/Income ratio:
| 81% |
Credit score:
| 700-719 (Feb-2013) |
Inquiries last 6m:
| 2 | Employment status: | Employed |
Now delinquent:
| 0 |
Current / open credit lines:
| 22
/
22 | Length of status: | 18y 6m |
Amount delinquent:
| $0 |
Total credit lines:
| 39 |
Occupation: | Food Service Manage... |
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $56,637 | Stated income: | $25,000-$49,999 |
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 65% | | |
| |
Homeownership:
| Yes | | |
Screen name:
| visionary-moola746 |
Borrower's state:
| Pennsylvania |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Description
Household Expenses
No description is available.
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
721846
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount:
| $9,000.00 |
Prosper Rating:
| D |
Listing Duration:
| 14 days
|
Minimum Amount to Fund:
| $6,300 |
Estimated loss*:
| 11.75% | | |
Term:
| 36 months | | | | |
|
Lender yield:
| 24.66% |
Borrower rate/APR:
| 25.66% / 29.54% |
Monthly payment:
| $360.99 |
|
Lender servicing fee:
| 1.00% |
Effective Yield*:
| 22.54% | | |
| |
Estimated return*:
| 10.79% | | |
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10):
| 3 |
First credit line:
| Aug-2001 |
Debt/Income ratio:
| 30% |
Credit score:
| 660-679 (Mar-2013) |
Inquiries last 6m:
| 0 | Employment status: | Employed |
Now delinquent:
| 1 |
Current / open credit lines:
| 11
/
8 | Length of status: | 1y 4m |
Amount delinquent:
| $541 |
Total credit lines:
| 22 |
Occupation: | Other |
Public records last 12m / 10y:
| 0/ 4 |
Revolving credit balance:
| $6,114 | Stated income: | $25,000-$49,999 |
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 60% | | |
| |
Homeownership:
| No | | |
Screen name:
| generosity-neutrino551 |
Borrower's state:
| NewYork |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Description
Taxes
Purpose of loan:
This loan will be used to... pay taxes
My financial situation:
I am a good candidate for this loan because... I'm gainfully employeed, and committed to paying my bills. I'm also staying with family for no rent as a help to me after my divorce. I have no vehicle, and my children are of age where support is no-longer necessary.
Monthly net income: $2612
Monthly expenses: $1315
Housing: $0
Insurance: $62
Car expenses: $0
Utilities: $0
Phone, cable, internet: $184
Food, entertainment: $50
Clothing, household expenses: $200
Credit cards and other loans: $819
Other expenses: $
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
721954
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount:
| $9,000.00 |
Prosper Rating:
| D |
Listing Duration:
| 14 days
|
Minimum Amount to Fund:
| $9,000 |
Estimated loss*:
| 9.25% | | |
Term:
| 36 months | | | | |
|
Lender yield:
| 20.99% |
Borrower rate/APR:
| 21.99% / 25.78% |
Monthly payment:
| $343.67 |
|
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):
| 3 |
First credit line:
| Sep-1997 |
Debt/Income ratio:
| 27% |
Credit score:
| 680-699 (Mar-2013) |
Inquiries last 6m:
| 0 | Employment status: | Employed |
Now delinquent:
| 0 |
Current / open credit lines:
| 6
/
5 | Length of status: | 10y 9m |
Amount delinquent:
| $0 |
Total credit lines:
| 33 |
Occupation: | Teacher |
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $10,133 | Stated income: | $50,000-$74,999 |
Delinquencies in last 7y:
| 2 |
Bankcard utilization:
| 73% | | |
| |
Homeownership:
| No | | |
Screen name:
| affluence-alert9 |
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...consolidate and pay off credit debt
My financial situation:
I am a good candidate for this loan because...I can make the payments.
Monthly net income: $
Monthly expenses: $
Housing: $786
Insurance: $100
Car expenses: $315
Utilities: $100
Phone, cable, internet: $150
Food, entertainment: $
Clothing, household expenses: $
Credit cards and other loans: $
Other expenses: $
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
721962
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount:
| $7,000.00 |
Prosper Rating:
| C |
Listing Duration:
| 14 days
|
Minimum Amount to Fund:
| $4,900 |
Estimated loss*:
| 8.74% | | |
Term:
| 36 months | | | | |
|
Lender yield:
| 20.24% |
Borrower rate/APR:
| 21.24% / 25.01% |
Monthly payment:
| $264.59 |
|
Lender servicing fee:
| 1.00% |
Effective Yield*:
| 18.73% | | |
| |
Estimated return*:
| 9.99% | | |
* 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:
| Mar-2000 |
Debt/Income ratio:
| 19% |
Credit score:
| 660-679 (Mar-2013) |
Inquiries last 6m:
| 0 | Employment status: | Employed |
Now delinquent:
| 0 |
Current / open credit lines:
| 1
/
1 | Length of status: | 3y 4m |
Amount delinquent:
| $0 |
Total credit lines:
| 23 |
Occupation: | Nurse's Aide |
Public records last 12m / 10y:
| 0/ 1 |
Revolving credit balance:
| $0 | Stated income: | $1-$24,999 |
Delinquencies in last 7y:
| 31 |
Bankcard utilization:
| 0% | | |
| |
Homeownership:
| Yes | | |
Screen name:
| hopeforhelp |
Borrower's state:
| Missouri |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan history | Payment history | Credit score history |
Active / total loans:
| 0 / 1 |
On-time:
| 35 ( 97% )
| 660-679 (Latest)
|
Principal borrowed:
| $7,500.00 | < 31 days late:
| 1
( 3% )
| 640-659
(Mar-2008)
740-759
(Jun-2007)
|
Principal balance:
| $0.01 |
31+ days late:
| 0
( 0% )
|
Total payments billed:
| 36 | | |
Description
Business made by Kids for Kids!
Purpose of loan:
This loan will be used to will be used to start my children's dreams to help other kids express their emotions. My daughter has come up a wonderful idea that contains paint, felt and other fabrics on how to express how she feels. There is marketing expo for children coming up soon and I know that is our ticket to being a success!!! My son has invention ideas also, which will be piggybacked on once my daughter's creation takes off.
My financial situation:
I am a good candidate for this loan because I have the collateral but it tied up in somethings I have inherited which I haven't had time to sell. The kids expo is coming soon and I do not want to miss out on this opportunity....
Monthly net income: $2400
Monthly expenses: $
Housing: $950
Insurance: $130
Car expenses: $120
Utilities: $100
Phone, cable, internet: $140
Food, entertainment: $400
Clothing, household expenses: $50
Credit cards and other loans: $50
Other expenses: $
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
721980
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:
| A |
Listing Duration:
| 14 days
|
Minimum Amount to Fund:
| $7,700 |
Estimated loss*:
| 2.74% | | |
Term:
| 36 months | | | | |
|
Lender yield:
| 9.34% |
Borrower rate/APR:
| 10.34% / 13.14% |
Monthly payment:
| $356.70 |
|
Lender servicing fee:
| 1.00% |
Effective Yield*:
| 9.05% | | |
| |
Estimated return*:
| 6.31% | | |
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10):
| 8 |
First credit line:
| Nov-1990 |
Debt/Income ratio:
| 25% |
Credit score:
| 780-799 (Mar-2013) |
Inquiries last 6m:
| 0 | Employment status: | Employed |
Now delinquent:
| 0 |
Current / open credit lines:
| 9
/
9 | Length of status: | 1y 11m |
Amount delinquent:
| $0 |
Total credit lines:
| 20 |
Occupation: | Other |
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $20,752 | Stated income: | $75,000-$99,999 |
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 63% | | |
| |
Homeownership:
| Yes | | |
Screen name:
| sophisticated-silver3 |
Borrower's state:
| California |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan history | Payment history | Credit score history |
Active / total loans:
| 1 / 1 |
On-time:
| 8 ( 100% )
| 780-799 (Latest)
|
Principal borrowed:
| $15,000.00 | < 31 days late:
| 0
( 0% )
| 740-759
(Jun-2012)
|
Principal balance:
| $13,790.23 |
31+ days late:
| 0
( 0% )
|
Total payments billed:
| 8 | | |
Description
Debt consolidation
Purpose of loan: Debt consolidation
This loan will be used to...
Eliminate higher interest-rate credit card debt.
My financial situation:
I am a good candidate for this loan because...I have not missed a payment to any creditor, nor made less than a minimum payment to anyone, during this entire century, even during this economic downturn. I am also getting into the practice of shorter-term loans for quicker payback, which I am finding much more convenient in the long run, than the lower-payment, longer-term loans I might have preferred years ago.
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
721986
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount:
| $15,000.00 |
Prosper Rating:
| C |
Listing Duration:
| 14 days
|
Minimum Amount to Fund:
| $15,000 |
Estimated loss*:
| 8.49% | | |
Term:
| 36 months | | | | |
|
Lender yield:
| 19.99% |
Borrower rate/APR:
| 20.99% / 24.76% |
Monthly payment:
| $565.05 |
|
Lender servicing fee:
| 1.00% |
Effective Yield*:
| 18.52% | | |
| |
Estimated return*:
| 10.03% | | |
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10):
| 6 |
First credit line:
| Mar-2004 |
Debt/Income ratio:
| 9% |
Credit score:
| 700-719 (Feb-2013) |
Inquiries last 6m:
| 1 | Employment status: | Employed |
Now delinquent:
| 0 |
Current / open credit lines:
| 10
/
9 | Length of status: | 4y 8m |
Amount delinquent:
| $0 |
Total credit lines:
| 15 |
Occupation: | Computer Programmer |
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $5,545 | Stated income: | $100,000+ |
Delinquencies in last 7y:
| 1 |
Bankcard utilization:
| 34% | | |
| |
Homeownership:
| No | | |
Screen name:
| first-class-fairness6 |
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
Home improvement
Purpose of loan:
Repair and restore the limestone of my home to its original 1893 glory.
*** Please note that my previous loan was canceled, even though I submitted the required documents 3 separate times in a week. While the support representatives have been very nice, they have no idea where my documents are. If funded, I will both email and fax all copies. ***
My financial situation:
I've been employed by a large hedge fund in Chicago for 5 years as a software engineer. Prior to that I spent 8 years working for the Bank of Switzerland.
Monthly net income: $7200
Monthly expenses: $4200
Housing: $0 (I've already paid off my mortgage)
Insurance: $100 (home)
Car expenses: $800 (payment + insurance)
Utilities: $200
Phone, cable, internet: $300
Food, entertainment: $800
Clothing, household expenses: $250
Credit cards and other loans: $1500
Other expenses: $250
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
722052
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount:
| $12,600.00 |
Prosper Rating:
| AA |
Listing Duration:
| 14 days
|
Minimum Amount to Fund:
| $8,820 |
Estimated loss*:
| 1.99% | | |
Term:
| 60 months | | | | |
|
Lender yield:
| 7.69% |
Borrower rate/APR:
| 8.69% / 10.88% |
Monthly payment:
| $259.66 |
|
Lender servicing fee:
| 1.00% |
Effective Yield*:
| 7.51% | | |
| |
Estimated return*:
| 5.52% | | |
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10):
| 10 |
First credit line:
| Aug-1998 |
Debt/Income ratio:
| 36% |
Credit score:
| 740-759 (Mar-2013) |
Inquiries last 6m:
| 0 | Employment status: | Employed |
Now delinquent:
| 0 |
Current / open credit lines:
| 18
/
14 | Length of status: | 7y 0m |
Amount delinquent:
| $0 |
Total credit lines:
| 47 |
Occupation: | Professional |
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $35,366 | Stated income: | $100,000+ |
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 68% | | |
| |
Homeownership:
| Yes | | |
Screen name:
| punctual-dedication |
Borrower's state:
| California |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan history | Payment history | Credit score history |
Active / total loans:
| 1 / 3 |
On-time:
| 50 ( 100% )
| 740-759 (Latest)
|
Principal borrowed:
| $35,800.00 | < 31 days late:
| 0
( 0% )
| 700-719
(May-2012)
720-739
(Oct-2011)
720-739
(Jan-2010)
|
Principal balance:
| $12,310.49 |
31+ days late:
| 0
( 0% )
|
Total payments billed:
| 50 | | |
Description
Paying Off Higher Interest Loan
Purpose of loan:
I have always been on time with payments for any kind of loan (mortgages, autos, credit cards, and prevous Prosper loans) for almost 25 years. I am looking to refinance a loan with a higher rate with this loan.
My financial situation:
I have a stable management job (7 years) with an established company.
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
722080
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:
| Mar-1991 |
Debt/Income ratio:
| 6% |
Credit score:
| 700-719 (Mar-2013) |
Inquiries last 6m:
| 0 | Employment status: | Employed |
Now delinquent:
| 0 |
Current / open credit lines:
| 7
/
6 | Length of status: | 2y 5m |
Amount delinquent:
| $0 |
Total credit lines:
| 20 |
Occupation: | Other |
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $12,015 | Stated income: | $100,000+ |
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 99% | | |
| |
Homeownership:
| Yes | | |
Screen name:
| sentimental-durability8 |
Borrower's state:
| Virginia |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Description
Debt consolidation
Purpose of loan:
This loan will be used to...
My financial situation:
I am a good candidate for this loan because...
Monthly net income: $
Monthly expenses: $
Housing: $
Insurance: $
Car expenses: $
Utilities: $
Phone, cable, internet: $
Food, entertainment: $
Clothing, household expenses: $
Credit cards and other loans: $
Other expenses: $
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
722092
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount:
| $5,000.00 |
Prosper Rating:
| A |
Listing Duration:
| 14 days
|
Minimum Amount to Fund:
| $3,500 |
Estimated loss*:
| 3.74% | | |
Term:
| 60 months | | | | |
|
Lender yield:
| 11.69% |
Borrower rate/APR:
| 12.69% / 14.97% |
Monthly payment:
| $112.97 |
|
Lender servicing fee:
| 1.00% |
Effective Yield*:
| 11.22% | | |
| |
Estimated return*:
| 7.48% | | |
* 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):
| 8 |
First credit line:
| Jan-2004 |
Debt/Income ratio:
| 24% |
Credit score:
| 720-739 (Mar-2013) |
Inquiries last 6m:
| 7 | Employment status: | Employed |
Now delinquent:
| 0 |
Current / open credit lines:
| 15
/
15 | Length of status: | 5y 2m |
Amount delinquent:
| $0 |
Total credit lines:
| 38 |
Occupation: | Other |
Public records last 12m / 10y:
| 0/ 1 |
Revolving credit balance:
| $1,809 | Stated income: | $25,000-$49,999 |
Delinquencies in last 7y:
| 22 |
Bankcard utilization:
| 21% | | |
| |
Homeownership:
| Yes | | |
Screen name:
| kilgore1311 |
Borrower's state:
| Utah |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan history | Payment history | Credit score history |
Active / total loans:
| 0 / 2 |
On-time:
| 22 ( 92% )
| 720-739 (Latest)
|
Principal borrowed:
| $3,000.00 | < 31 days late:
| 2
( 8% )
| 640-659
(Mar-2012)
640-659
(Apr-2008)
|
Principal balance:
| $0.00 |
31+ days late:
| 0
( 0% )
|
Total payments billed:
| 24 | | |
Description
Other
Purpose of loan:
This loan is for a car repair bill and to pay off the last debt to clear my credit
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
722116
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*:
| 3.74% | | |
Term:
| 60 months | | | | |
|
Lender yield:
| 11.69% |
Borrower rate/APR:
| 12.69% / 14.97% |
Monthly payment:
| $338.92 |
|
Lender servicing fee:
| 1.00% |
Effective Yield*:
| 11.22% | | |
| |
Estimated return*:
| 7.48% | | |
* 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):
| 8 |
First credit line:
| Aug-1993 |
Debt/Income ratio:
| 30% |
Credit score:
| 700-719 (Feb-2013) |
Inquiries last 6m:
| 1 | Employment status: | Employed |
Now delinquent:
| 1 |
Current / open credit lines:
| 10
/
8 | Length of status: | 32y 9m |
Amount delinquent:
| $30,645 |
Total credit lines:
| 15 |
Occupation: | Clerical |
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $4,067 | Stated income: | $50,000-$74,999 |
Delinquencies in last 7y:
| 14 |
Bankcard utilization:
| 78% | | |
| |
Homeownership:
| Yes | | |
Screen name:
| roadking13 |
Borrower's state:
| Florida |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan history | Payment history | Credit score history |
Active / total loans:
| 1 / 3 |
On-time:
| 80 ( 91% )
| 700-719 (Latest)
|
Principal borrowed:
| $16,075.00 | < 31 days late:
| 8
( 9% )
| 700-719
(Sep-2011)
600-619
(Jan-2010)
660-679
(Dec-2009)
660-679
(Nov-2009)
|
Principal balance:
| $6,507.55 |
31+ days late:
| 0
( 0% )
|
Total payments billed:
| 88 | | |
Description
Home improvement
Purpose of loan: consolidation and home improvement
This loan will be used to... to pay off a couple of bills and put a screen in porch on the back of the house.
My financial situation:
Monthly Income: $5200 gross
Housing $1292
Insurance $61
Truck Expenses: 50
Utilities $180
Credit Cards $265
Truck Loan $500.00
The amount that is showing deliquent is an error. I found out about this when I went to go buy my truck. I have contacted the bank and they have been reporting someone elses credit under my name. This is in the process of being corrected with the bank and the credit bureaus.
I am a good candidate for this loan because... this will be my fourth loan with prosper. Two have already been paid working on third. I love going through prosper because I love the thought that I am paying back my peers and that a bank is not making money from me.
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
722118
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:
| 36 months | | | | |
|
Lender yield:
| 22.46% |
Borrower rate/APR:
| 23.46% / 27.29% |
Monthly payment:
| $584.25 |
|
Lender servicing fee:
| 1.00% |
Effective Yield*:
| 20.64% | | |
| |
Estimated return*:
| 10.39% | | |
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10):
| 4 |
First credit line:
| May-1998 |
Debt/Income ratio:
| 15% |
Credit score:
| 680-699 (Mar-2013) |
Inquiries last 6m:
| 1 | Employment status: | Employed |
Now delinquent:
| 0 |
Current / open credit lines:
| 6
/
6 | Length of status: | 5y 9m |
Amount delinquent:
| $0 |
Total credit lines:
| 21 |
Occupation: | Retail Management |
Public records last 12m / 10y:
| 0/ 2 |
Revolving credit balance:
| $1,610 | Stated income: | $100,000+ |
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 99% | | |
| |
Homeownership:
| Yes | | |
Screen name:
| blue-superb-worth |
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: Good
I am a good candidate for this loan because... I have not missed a payment to any creditor in several years.
Monthly net income: $ 6800
Monthly expenses: $ 1500
Housing: $ 900
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
722148
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount:
| $3,500.00 |
Prosper Rating:
| A |
Listing Duration:
| 14 days
|
Minimum Amount to Fund:
| $2,450 |
Estimated loss*:
| 2.49% | | |
Term:
| 36 months | | | | |
|
Lender yield:
| 8.74% |
Borrower rate/APR:
| 9.74% / 12.53% |
Monthly payment:
| $112.51 |
|
Lender servicing fee:
| 1.00% |
Effective Yield*:
| 8.49% | | |
| |
Estimated return*:
| 6.00% | | |
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10):
| 10 |
First credit line:
| Sep-2005 |
Debt/Income ratio:
| 11% |
Credit score:
| 720-739 (Mar-2013) |
Inquiries last 6m:
| 0 | Employment status: | Employed |
Now delinquent:
| 0 |
Current / open credit lines:
| 12
/
11 | Length of status: | 11y 9m |
Amount delinquent:
| $0 |
Total credit lines:
| 23 |
Occupation: | Professional |
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $3,284 | Stated income: | $25,000-$49,999 |
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 20% | | |
| |
Homeownership:
| No | | |
Screen name:
| PinkStarlight14 |
Borrower's state:
| Florida |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan history | Payment history | Credit score history |
Active / total loans:
| 0 / 1 |
On-time:
| 35 ( 100% )
| 720-739 (Latest)
|
Principal borrowed:
| $1,000.00 | < 31 days late:
| 0
( 0% )
| 520-539
(Sep-2007)
|
Principal balance:
| $0.01 |
31+ days late:
| 0
( 0% )
|
Total payments billed:
| 35 | | |
Description
Debt Consolidation
Purpose of loan: Debt Consolidation
This loan will be used to pay off my mother's two credit cards. She currently owes two major credit card companies $3,200 and is paying a ridiculous amount of interest. Her credit is not very good but allocates $150 towards both cards every month. I am willing to put the debt in my name because I know I can easily pay the monthly fee myself if she can no longer provide it.
My financial situation: Very Good
I am a good candidate for this loan because I pay all my monthly dues on time and I have actually had another prosper loan in the past for my own debt and paid it off completely without any issues or late payments.
Monthly net income: $2,600
Housing: $700
Utilities: $50
Phone, cable, internet: $180
Credit cards and other loans: $ 250
Food, entertainment: $ 200
Clothing, household expenses: $ 100
Car Insurance: $ 90
Car expenses (Gas, etc): $ 200
Other expenses: $ 200
Total monthly expenses: $1,970
Total Cash Leftover: $630
*I normally save $400 every month and use $230 for miscellaneous shopping/outings, but I would instead use it to pay this loan*
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
722160
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount:
| $10,500.00 |
Prosper Rating:
| C |
Listing Duration:
| 14 days
|
Minimum Amount to Fund:
| $7,350 |
Estimated loss*:
| 7.49% | | |
Term:
| 36 months | | | | |
|
Lender yield:
| 18.39% |
Borrower rate/APR:
| 19.39% / 23.12% |
Monthly payment:
| $386.96 |
|
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:
| Jul-2006 |
Debt/Income ratio:
| 16% |
Credit score:
| 720-739 (Mar-2013) |
Inquiries last 6m:
| 0 | Employment status: | Employed |
Now delinquent:
| 0 |
Current / open credit lines:
| 4
/
4 | Length of status: | 6y 8m |
Amount delinquent:
| $0 |
Total credit lines:
| 5 |
Occupation: | Other |
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $92 | Stated income: | $25,000-$49,999 |
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 0% | | |
| |
Homeownership:
| Yes | | |
Screen name:
| the-thrilling-bonus3 |
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
Auto
Purpose of loan:
This loan will be used to...Purchase second Vehicle
My financial situation: Excellent
I am a good candidate for this loan because...I have always paid my bills on time and concider myself very trustworthy
Monthly net income: $2,968.00
Monthly expenses: $ 300.00
Housing: $ 0
Insurance: $100.00
Car expenses: $150.00
Utilities: $250.00
Phone, cable, internet: $125.00
Food, entertainment: $0
Clothing, household expenses: $50.00
Credit cards and other loans: $
Other expenses: $
Information in the Description is not verified.