Listing Report:Supplement No. 34 dated Apr 22, 2013 to Prospectus dated Apr 03, 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 Apr 03, 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 Apr 03, 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 Apr 03, 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
723560
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*:
| 4.49% | | |
Term:
| 60 months | | | | |
|
Lender yield:
| 13.74% |
Borrower rate/APR:
| 14.74% / 17.06% |
Monthly payment:
| $591.34 |
|
Lender servicing fee:
| 1.00% |
Effective Yield*:
| 13.10% | | |
| |
Estimated return*:
| 8.61% | | |
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10):
| 8 |
First credit line:
| Jul-1999 |
Debt/Income ratio:
| 18% |
Credit score:
| 740-759 (Apr-2013) |
Inquiries last 6m:
| 0 | Employment status: | Employed |
Now delinquent:
| 0 |
Current / open credit lines:
| 8
/
8 | Length of status: | 15y 2m |
Amount delinquent:
| $0 |
Total credit lines:
| 17 |
Occupation: | Engineer - Mechanic... |
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $2,235 | Stated income: | $75,000-$99,999 |
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 63% | | |
| |
Homeownership:
| Yes | | |
Screen name:
| chajaslan |
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
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
752448
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount:
| $2,500.00 |
Prosper Rating:
| HR |
Listing Duration:
| 14 days
|
Minimum Amount to Fund:
| $2,500 |
Estimated loss*:
| 15.75% | | |
Term:
| 36 months | | | | |
|
Lender yield:
| 30.34% |
Borrower rate/APR:
| 31.34% / 35.36% |
Monthly payment:
| $107.97 |
|
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):
| 3 |
First credit line:
| Jun-1995 |
Debt/Income ratio:
| 100% |
Credit score:
| 700-719 (Apr-2013) |
Inquiries last 6m:
| 2 | Employment status: | Other |
Now delinquent:
| 0 |
Current / open credit lines:
| 5
/
4 | Length of status: | 12y 3m |
Amount delinquent:
| $0 |
Total credit lines:
| 13 |
Occupation: | Other |
Public records last 12m / 10y:
| 0/ 1 |
Revolving credit balance:
| $5,269 | Stated income: | $1-$24,999 |
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 74% | | |
| |
Homeownership:
| No | | |
Screen name:
| gold-razor0 |
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 / 1 |
On-time:
| 15 ( 100% )
| 700-719 (Latest)
|
Principal borrowed:
| $2,000.00 | < 31 days late:
| 0
( 0% )
| 740-759
(Jan-2012)
|
Principal balance:
| $1,384.58 |
31+ days late:
| 0
( 0% )
|
Total payments billed:
| 15 | | |
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
757850
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*:
| 6.24% | | |
Term:
| 36 months | | | | |
|
Lender yield:
| 16.34% |
Borrower rate/APR:
| 17.34% / 21.03% |
Monthly payment:
| $358.22 |
|
Lender servicing fee:
| 1.00% |
Effective Yield*:
| 15.36% | | |
| |
Estimated return*:
| 9.12% | | |
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10):
| 6 |
First credit line:
| Oct-1994 |
Debt/Income ratio:
| Self-employed (DTI Not Calculated) |
Credit score:
| 720-739 (Apr-2013) |
Inquiries last 6m:
| 0 | Employment status: | Self-employed |
Now delinquent:
| 0 |
Current / open credit lines:
| 13
/
13 | Length of status: | 5y 9m |
Amount delinquent:
| $0 |
Total credit lines:
| 27 |
Occupation: | Doctor |
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $87,372 | Stated income: | $100,000+ |
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 78% | | |
| |
Homeownership:
| Yes | | |
Screen name:
| credit-pragmatist1 |
Borrower's state:
| Ohio |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Description
Business
Purpose of loan:
This loan will be used to pay a unexpected business expense
My financial situation:
I am a good candidate for this loan because I have a great repayment history and strong work ethic.
Monthly net income: $28,800
Monthly expenses: $12000
Housing: $1500
Insurance: $1000
Car expenses: $600
Utilities: $300
Phone, cable, internet: $200
Food, entertainment: $200
Clothing, household expenses: $200
Credit cards and other loans: $2000
Other expenses: $1000
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
734407
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:
| $3,600.00 |
Prosper Rating:
| C |
Listing Duration:
| 14 days
|
Minimum Amount to Fund:
| $3,600 |
Estimated loss*:
| 8.24% | | |
Term:
| 60 months | | | | |
|
Lender yield:
| 21.09% |
Borrower rate/APR:
| 22.09% / 24.59% |
Monthly payment:
| $99.61 |
|
Lender servicing fee:
| 1.00% |
Effective Yield*:
| 19.57% | | |
| |
Estimated return*:
| 11.33% | | |
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10):
| 8 |
First credit line:
| Dec-1995 |
Debt/Income ratio:
| Self-employed (DTI Not Calculated) |
Credit score:
| 640-659 (Apr-2013) |
Inquiries last 6m:
| 0 | Employment status: | Self-employed |
Now delinquent:
| 3 |
Current / open credit lines:
| 13
/
9 | Length of status: | 1y 6m |
Amount delinquent:
| $538 |
Total credit lines:
| 23 |
Occupation: | Car Dealer |
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $2,650 | Stated income: | $25,000-$49,999 |
Delinquencies in last 7y:
| 2 |
Bankcard utilization:
| 48% | | |
| |
Homeownership:
| Yes | | |
Screen name:
| roseburger |
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.
Prosper Activity
Loan history | Payment history | Credit score history |
Active / total loans:
| 1 / 3 |
On-time:
| 80 ( 92% )
| 640-659 (Latest)
|
Principal borrowed:
| $15,000.00 | < 31 days late:
| 7
( 8% )
| 600-619
(Sep-2011)
720-739
(Mar-2010)
680-699
(Mar-2008)
640-659
(Nov-2007)
|
Principal balance:
| $2,475.78 |
31+ days late:
| 0
( 0% )
|
Total payments billed:
| 87 | | |
Description
Debt consolidation
Purpose of loan:
This loan will be used to...consolidate my debt, mainly to improve my credit score by paying off old bad debt..
My financial situation:
I am a good candidate for this loan because...I have good pay history on previous prosper loans, and things are going well for me financially.
Monthly net income: $1800
Monthly expenses: $
Housing: $360
Insurance: $160
Car expenses: $120
Utilities: $50
Phone, cable, internet: $0
Food, entertainment: $150
Clothing, household expenses: $50
Credit cards and other loans: $300
Other expenses: $145
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
754099
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:
| Apr-1996 |
Debt/Income ratio:
| Not calculated |
Credit score:
| 720-739 (Apr-2013) |
Inquiries last 6m:
| 1 | Employment status: | Employed |
Now delinquent:
| 0 |
Current / open credit lines:
| 14
/
12 | Length of status: | 14y 7m |
Amount delinquent:
| $0 |
Total credit lines:
| 42 |
Occupation: | Administrative Assi... |
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $46,170 | Stated income: | $1-$24,999 |
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 90% | | |
| |
Homeownership:
| Yes | | |
Screen name:
| credit-cannon915 |
Borrower's state:
| Hawaii |
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
755545
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*:
| 7.99% | | |
Term:
| 60 months | | | | |
|
Lender yield:
| 20.79% |
Borrower rate/APR:
| 21.79% / 24.28% |
Monthly payment:
| $275.00 |
|
Lender servicing fee:
| 1.00% |
Effective Yield*:
| 19.32% | | |
| |
Estimated return*:
| 11.33% | | |
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10):
| 5 |
First credit line:
| Aug-1989 |
Debt/Income ratio:
| 16% |
Credit score:
| 720-739 (Apr-2013) |
Inquiries last 6m:
| 0 | Employment status: | Employed |
Now delinquent:
| 0 |
Current / open credit lines:
| 9
/
8 | Length of status: | 13y 0m |
Amount delinquent:
| $0 |
Total credit lines:
| 15 |
Occupation: | Construction |
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $41,099 | Stated income: | $75,000-$99,999 |
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 77% | | |
| |
Homeownership:
| No | | |
Screen name:
| sincere-leverage967 |
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...pay off a high interest credit card
My financial situation:
I am a good candidate for this loan because...my credit history is long and good. I have never missed a payment.
Monthly net income: $4100
Monthly expenses: $
Housing: $1300
Insurance: $90
Car expenses: $300
Utilities: $150
Phone, cable, internet: $65
Food, entertainment: $400
Clothing, household expenses: $50
Credit cards and other loans: $1000
Other expenses: $
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
757595
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount:
| $8,000.00 |
Prosper Rating:
| C |
Listing Duration:
| 14 days
|
Minimum Amount to Fund:
| $5,600 |
Estimated loss*:
| 6.74% | | |
Term:
| 36 months | | | | |
|
Lender yield:
| 17.24% |
Borrower rate/APR:
| 18.24% / 21.95% |
Monthly payment:
| $290.18 |
|
Lender servicing fee:
| 1.00% |
Effective Yield*:
| 16.15% | | |
| |
Estimated return*:
| 9.41% | | |
* 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-1992 |
Debt/Income ratio:
| 15% |
Credit score:
| 660-679 (Apr-2013) |
Inquiries last 6m:
| 0 | Employment status: | Employed |
Now delinquent:
| 5 |
Current / open credit lines:
| 3
/
3 | Length of status: | 11y 9m |
Amount delinquent:
| $444 |
Total credit lines:
| 19 |
Occupation: | Food Service |
Public records last 12m / 10y:
| 1/ 6 |
Revolving credit balance:
| $3,033 | Stated income: | $25,000-$49,999 |
Delinquencies in last 7y:
| 19 |
Bankcard utilization:
| 45% | | |
| |
Homeownership:
| No | | |
Screen name:
| sphinx285 |
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 / 1 |
On-time:
| 8 ( 89% )
| 660-679 (Latest)
|
Principal borrowed:
| $4,000.00 | < 31 days late:
| 1
( 11% )
| 660-679
(Jun-2012)
|
Principal balance:
| $3,320.94 |
31+ days late:
| 0
( 0% )
|
Total payments billed:
| 9 | | |
Description
Large Purchases
Purpose of loan: purchases
This loan will be used to...
My financial situation:
I am a good candidate for this loan because...
Monthly net income: $3700
Monthly expenses: $250
Housing: $0
Insurance: 250$
Car expenses: $150
Utilities: $150
Phone, cable, internet: $50
Food, entertainment: $250
Clothing, household expenses: $200
Credit cards and other loans: $250
Other expenses: $0
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
758031
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount:
| $10,000.00 |
Prosper Rating:
| D |
Listing Duration:
| 14 days
|
Minimum Amount to Fund:
| $7,000 |
Estimated loss*:
| 11.75% | | |
Term:
| 60 months | | | | |
|
Lender yield:
| 26.36% |
Borrower rate/APR:
| 27.36% / 30.00% |
Monthly payment:
| $307.51 |
|
Lender servicing fee:
| 1.00% |
Effective Yield*:
| 24.10% | | |
| |
Estimated return*:
| 12.35% | | |
* 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:
| 34% |
Credit score:
| 620-639 (Apr-2013) |
Inquiries last 6m:
| 0 | Employment status: | Employed |
Now delinquent:
| 0 |
Current / open credit lines:
| 9
/
9 | Length of status: | 1y 3m |
Amount delinquent:
| $0 |
Total credit lines:
| 36 |
Occupation: | Tradesman - Mechani... |
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $10,423 | Stated income: | $50,000-$74,999 |
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 91% | | |
| |
Homeownership:
| No | | |
Screen name:
| mrny25 |
Borrower's state:
| NewYork |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan history | Payment history | Credit score history |
Active / total loans:
| 1 / 3 |
On-time:
| 78 ( 88% )
| 620-639 (Latest)
|
Principal borrowed:
| $7,500.00 | < 31 days late:
| 11
( 12% )
| 680-699
(Aug-2011)
680-699
(Apr-2010)
600-619
(Aug-2008)
|
Principal balance:
| $2,667.09 |
31+ days late:
| 0
( 0% )
|
Total payments billed:
| 89 | | |
Description
4th Prosper Loan...
Purpose of loan: To pay down credit card debt
This loan will be used to...Pay off a few high balanced credit cards and to lower my debt to income ratio,and also to help fund a wedding.
My financial situation:
I am a good candidate for this loan because... This will be my 4th Prosper loan if funded,I have been in perfect standing with my 3 previous loans,and will continue that trend if funded for my fourth loan. I have a secure full time job and no late payments or delinquency's on my credit report.
Thank you to everyone.
Monthly net income: $4000
Monthly expenses: $1880
Housing: $400
Insurance: $80
Car expenses: $50
Utilities: $0
Phone, cable, internet: $100
Food, entertainment: $200
Clothing, household expenses: $0
Credit cards and other loans: $1000
Other expenses: $50
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
758451
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount:
| $15,000.00 |
Prosper Rating:
| B |
Listing Duration:
| 14 days
|
Minimum Amount to Fund:
| $10,500 |
Estimated loss*:
| 4.74% | | |
Term:
| 36 months | | | | |
|
Lender yield:
| 13.59% |
Borrower rate/APR:
| 14.59% / 18.21% |
Monthly payment:
| $516.97 |
|
Lender servicing fee:
| 1.00% |
Effective Yield*:
| 12.92% | | |
| |
Estimated return*:
| 8.18% | | |
* 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):
| 6 |
First credit line:
| Feb-2004 |
Debt/Income ratio:
| 35% |
Credit score:
| 760-779 (Apr-2013) |
Inquiries last 6m:
| 0 | Employment status: | Employed |
Now delinquent:
| 0 |
Current / open credit lines:
| 12
/
11 | Length of status: | 9y 4m |
Amount delinquent:
| $0 |
Total credit lines:
| 17 |
Occupation: | Sales - Retail |
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $13,641 | Stated income: | $25,000-$49,999 |
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 41% | | |
| |
Homeownership:
| Yes | | |
Screen name:
| delectable-transparency913 |
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.