Listing Report:Supplement No. 209 dated Apr 06, 2010 to Prospectus dated Jul 13, 2009File pursuant to Rule 424(b)(3)
Registration Statement No. 333-147019
Prosper Marketplace, Inc.
Borrower Payment Dependent Notes
This Listing Report supplements the prospectus dated Jul 13, 2009 and provides information about each loan request (referred to as a "listing") and series of Borrower Payment Dependent Notes (the "Notes") we are currently offering. Prospective investors should read this Listing Report supplement together with the prospectus dated Jul 13, 2009 to understand the terms and conditions of the Notes and how they are offered, as well as the risks of investing in Notes.
The following series of Notes are currently being offered:
Borrower Payment Dependent Notes Series
370771
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 aggregate amount of the requested loan.
Amount:
| $7,500.00 |
Prosper Rating:
| HR |
Auction Duration:
| 7 days
|
Term:
| 36 months |
Estimated loss:
| 25.0% | | |
| | |
|
Starting lender yield:
| 34.00% |
Starting borrower rate/APR:
| 35.00% / 37.45% |
Starting monthly payment:
| $339.27 |
|
Auction yield range:
| 17.04% - 34.00% |
Estimated loss impact:
| 27.01% | | |
Lender servicing fee:
| 1.00% |
Estimated return:
| 6.99% | | |
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan 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 scores:
| |
First credit line:
| Jun-2005 |
Debt/Income ratio:
| Self-employed (DTI Not Calculated) |
Basic (1-10):
| 2 |
Inquiries last 6m:
| 5 | Employment status: | Self-employed |
Enhanced (1-5): | 2 |
Current / open credit lines:
| 8
/
8 | Length of status: | 0y 2m |
Credit score:
| 640-659 (Mar-2010) |
Total credit lines:
| 10 |
Occupation: | Sales - Retail |
Now delinquent:
| 0 |
Revolving credit balance:
| $6,029 | Stated income: | $1-$24,999 |
Amount delinquent:
| $0 |
Bankcard utilization:
| 56% | | |
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| No | | |
Delinquencies in last 7y:
| 0 | | | | |
Screen name:
| ultimacrom |
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
A Little Help with the Transition
I've recently made the jump from salaried employee to self-employed business owner. Unfortunately, my initial planning wasn't anywhere near good enough, as I failed to take into account several unexpected expenditures that quickly dried up my money. I need some money to help make the transition. At this point my monthly expenses (including food) is between $1300 and $1500 so this loan should be enough to support me for 3 or 4 months, in which time I will have improved my income enough to support myself and make payments on the loan.
For those that are interested I currently have 2 online stores (one that I handle the product personally, the other is drop ship), that are active and getting some traffic. I need some time to improve my traffic and turn around. I've also got a blog that generates between $50 and $100 each month, (through affiliate links and advertising).
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
430143
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 aggregate amount of the requested loan.
Amount:
| $2,500.00 |
Prosper Rating:
| E |
Auction Duration:
| 7 days
|
Term:
| 36 months |
Estimated loss:
| 14.0% | | |
| | |
|
Starting lender yield:
| 34.00% |
Starting borrower rate/APR:
| 35.00% / 37.45% |
Starting monthly payment:
| $113.09 |
|
Auction yield range:
| 14.04% - 34.00% |
Estimated loss impact:
| 15.57% | | |
Lender servicing fee:
| 1.00% |
Estimated return:
| 18.43% | | |
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan 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 scores:
| |
First credit line:
| Aug-2000 |
Debt/Income ratio:
| 17% |
Basic (1-10):
| 6 |
Inquiries last 6m:
| 3 | Employment status: | Full-time employee |
Enhanced (1-5): | 4 |
Current / open credit lines:
| 13
/
12 | Length of status: | 13y 7m |
Credit score:
| 660-679 (Apr-2010) |
Total credit lines:
| 38 |
Occupation: | Civil Service |
Now delinquent:
| 0 |
Revolving credit balance:
| $6,310 | Stated income: | $50,000-$74,999 |
Amount delinquent:
| $0 |
Bankcard utilization:
| 92% | | |
Public records last 12m / 10y:
| 0/ 2 |
Homeownership:
| Yes | | |
Delinquencies in last 7y:
| 0 | | | | |
Screen name:
| clyde48 |
Borrower's state:
| Indiana |
Borrower's group:
| BORROWERS - Free instant Listings - LARGEST GROUP |
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:
| 25 ( 81% )
| 660-679 (Latest)
|
Principal borrowed:
| $8,500.00 | < mo. late:
| 6
( 19% )
| 620-639
(Sep-2009)
620-639
(Aug-2009)
660-679
(Dec-2007)
640-659
(Nov-2007)
|
Principal balance:
| $0.00 |
1+ mo. late:
| 0
( 0% )
|
Total payments billed:
| 31 | | |
Description
Final curtain
Hello All:?. This is just to give us a little breathing room, which is good considering our pay dropped considerably.Any interest and help would really be appreciated. We need to have some work done on our furnace and backyard. Thanks for reading? my story.?????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
443779
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 aggregate amount of the requested loan.
Amount:
| $7,000.00 |
Prosper Rating:
| HR |
Auction Duration:
| 7 days
|
Term:
| 36 months |
Estimated loss:
| 34.5% | | |
| | |
|
Starting lender yield:
| 34.00% |
Starting borrower rate/APR:
| 35.00% / 37.45% |
Starting monthly payment:
| $316.65 |
|
Auction yield range:
| 17.04% - 34.00% |
Estimated loss impact:
| 36.51% | | |
Lender servicing fee:
| 1.00% |
Estimated return:
| -2.51% | | |
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan 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 scores:
| |
First credit line:
| Dec-1994 |
Debt/Income ratio:
| 33% |
Basic (1-10):
| 1 |
Inquiries last 6m:
| 0 | Employment status: | Full-time employee |
Enhanced (1-5): | 2 |
Current / open credit lines:
| 5
/
6 | Length of status: | 6y 3m |
Credit score:
| 660-679 (Apr-2010) |
Total credit lines:
| 27 |
Occupation: | Nurse (LPN) |
Now delinquent:
| 1 |
Revolving credit balance:
| $3,580 | Stated income: | $25,000-$49,999 |
Amount delinquent:
| $301 |
Bankcard utilization:
| 0% | | |
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| Yes | | |
Delinquencies in last 7y:
| 4 | | | | |
Screen name:
| sammy2221 |
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.
Prosper Activity
Loan history | Payment history | Credit score history |
Active / total loans:
| 0 / 1 |
On-time:
| 24 ( 100% )
| 660-679 (Latest)
|
Principal borrowed:
| $1,500.00 | < mo. late:
| 0
( 0% )
| 680-699
(Jul-2009)
640-659
(Oct-2008)
640-659
(Dec-2007)
|
Principal balance:
| $0.00 |
1+ mo. late:
| 0
( 0% )
|
Total payments billed:
| 24 | | |
Description
finish remodel project
Purpose: We are 85 percent?complete. We need help to continue this project so we can updated our mortgage, avoid paying building permit renew costs and be able to insulate the new aadition before the snow arrives.
My financial situation: I work very hard , my wife is a Nurse and so am I. I have been workimg 90 hours a paycheck to complete this Dream. We will not let ourselves down nor will we let any investor down! Please check our payment history!
(explain why you are a good candidate for paying back this loan)
Monthly net income: $ 2500
Monthly expenses: $
??Housing: $ 200
??Insurance: $ 55
??Car expenses: $ 100
??Utilities: $ 120
??Phone, cable, internet: $ 30
??Food, entertainment: $
??Clothing, household expenses $
??Credit cards and other loans: $ 400
??Other expenses: $
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
448809
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 aggregate amount of the requested loan.
Amount:
| $5,990.00 |
Prosper Rating:
| D |
Auction Duration:
| 7 days
|
Term:
| 36 months |
Estimated loss:
| 10.0% | | |
| | |
|
Starting lender yield:
| 21.05% |
Starting borrower rate/APR:
| 22.05% / 24.31% |
Starting monthly payment:
| $228.92 |
|
Auction yield range:
| 11.04% - 21.05% |
Estimated loss impact:
| 10.51% | | |
Lender servicing fee:
| 1.00% |
Estimated return:
| 10.54% | | |
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan 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 scores:
| |
First credit line:
| Feb-1990 |
Debt/Income ratio:
| 39% |
Basic (1-10):
| 6 |
Inquiries last 6m:
| 3 | Employment status: | Full-time employee |
Enhanced (1-5): | 2 |
Current / open credit lines:
| 11
/
9 | Length of status: | 2y 9m |
Credit score:
| 700-719 (Apr-2010) |
Total credit lines:
| 53 |
Occupation: | Other |
Now delinquent:
| 0 |
Revolving credit balance:
| $13,617 | Stated income: | $25,000-$49,999 |
Amount delinquent:
| $0 |
Bankcard utilization:
| 60% | | |
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| No | | |
Delinquencies in last 7y:
| 0 | | | | |
Screen name:
| ocxpunk |
Borrower's state:
| California |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan history | Payment history | Credit score history |
Active / total loans:
| 0 / 1 |
On-time:
| 19 ( 100% )
| 700-719 (Latest)
|
Principal borrowed:
| $2,500.00 | < mo. late:
| 0
( 0% )
|
(Sep-2009)
660-679
(Jul-2009)
640-659
(Jun-2008)
|
Principal balance:
| $0.00 |
1+ mo. late:
| 0
( 0% )
|
Total payments billed:
| 19 | | |
Description
Consolidate and Payoff last cards
Purpose of loan:
This loan will be used to payoff a?two?credit cards that I have?not been using and?pay down the balance, but since I?have been?paying them off, the terms have changed recently.? One has a rate of 10.99 and the other has a rate of 22.99.? I owe a little more than this, but this would help me payoff the rest much easier with a steady payment.??My goal is to?pay?off?everything, completely in 3 years, and this is a clean way to get it done and not give the cc companies all the profits since they can choose to raise the rates up to close to 29% at any time they choose.? I completed one prosper loat at 10.99% or something close to that, and this is my second loan attempt to complete the payoff on crecit cards.
Monthly net income: $ 3303
Monthly expenses: $
??Housing: $?850
??Insurance: $ 145
??Car expenses: $ 180
??Utilities: $?105
??Phone, cable, internet: $?30
??Food &?household items: $?390
? Clothing, childcare:? 460
??Other expenses: $ 75
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
452639
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 aggregate amount of the requested loan.
Amount:
| $1,900.00 |
Prosper Rating:
| AA |
Auction Duration:
| 7 days
|
Term:
| 36 months |
Estimated loss:
| 0.6% | | |
| | |
|
Starting lender yield:
| 6.13% |
Starting borrower rate/APR:
| 7.13% / 7.47% |
Starting monthly payment:
| $58.78 |
|
Auction yield range:
| 3.04% - 6.13% |
Estimated loss impact:
| 0.60% | | |
Lender servicing fee:
| 1.00% |
Estimated return:
| 5.53% | | |
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan 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 scores:
| |
First credit line:
| May-1988 |
Debt/Income ratio:
| 25% |
Basic (1-10):
| 10 |
Inquiries last 6m:
| 0 | Employment status: | Full-time employee |
Enhanced (1-5): | 5 |
Current / open credit lines:
| 13
/
13 | Length of status: | 11y 10m |
Credit score:
| 780-799 (Mar-2010) |
Total credit lines:
| 26 |
Occupation: | Skilled Labor |
Now delinquent:
| 0 |
Revolving credit balance:
| $41,262 | Stated income: | $75,000-$99,999 |
Amount delinquent:
| $0 |
Bankcard utilization:
| 39% | | |
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| Yes | | |
Delinquencies in last 7y:
| 0 | | | | |
Screen name:
| unafraid-liberty740 |
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
Getting better interest rate
Purpose of loan:
This loan will be used to reduce the interest rate I am currently paying on my debts.
My financial situation:
I am a good candidate for this loan because I have a good credit history of paying off my debts, and a stable employment history with a steady income.
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
452691
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 aggregate amount of the requested loan.
Amount:
| $3,500.00 |
Prosper Rating:
| A |
Auction Duration:
| 7 days
|
Term:
| 36 months |
Estimated loss:
| 2.1% | | |
| | |
|
Starting lender yield:
| 33.00% |
Starting borrower rate/APR:
| 34.00% / 36.44% |
Starting monthly payment:
| $156.35 |
|
Auction yield range:
| 4.04% - 33.00% |
Estimated loss impact:
| 2.27% | | |
Lender servicing fee:
| 1.00% |
Estimated return:
| 30.73% | | |
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan 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 scores:
| |
First credit line:
| Mar-1997 |
Debt/Income ratio:
| 17% |
Basic (1-10):
| 8 |
Inquiries last 6m:
| 3 | Employment status: | Full-time employee |
Enhanced (1-5): | 4 |
Current / open credit lines:
| 15
/
15 | Length of status: | 3y 6m |
Credit score:
| 780-799 (Mar-2010) |
Total credit lines:
| 22 |
Occupation: | Other |
Now delinquent:
| 0 |
Revolving credit balance:
| $19,527 | Stated income: | $50,000-$74,999 |
Amount delinquent:
| $0 |
Bankcard utilization:
| 16% | | |
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| Yes | | |
Delinquencies in last 7y:
| 0 | | | | |
Screen name:
| OregonDane |
Borrower's state:
| Oregon |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan history | Payment history | Credit score history |
Active / total loans:
| 0 / 2 |
On-time:
| 35 ( 100% )
| 780-799 (Latest)
|
Principal borrowed:
| $5,000.00 | < mo. late:
| 0
( 0% )
| 760-779
(Aug-2009)
800-819
(Sep-2008)
760-779
(Jun-2007)
|
Principal balance:
| $0.00 |
1+ mo. late:
| 0
( 0% )
|
Total payments billed:
| 35 | | |
Description
3rd loan - Paying off credit cards
Purpose of loan:
Hello Prosper lenders -
I have been successful with the Prosper community twice in the past. Both loans are paid off without any late payments. This third loan is to consolidate my credit card debts and to kiss the credit card industry good-bye once and for all.
My financial situation:
I am a good candidate for this loan because I have never missed a payment on any loan ever. Maintaining a good credit and honoring financial commitments are very important to me. Money is serious business and I am determined to always repay what I owe.
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
452697
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 aggregate amount of the requested loan.
Amount:
| $6,500.00 |
Prosper Rating:
| HR |
Auction Duration:
| 7 days
|
Term:
| 36 months |
Estimated loss:
| 19.0% | | |
| | |
|
Starting lender yield:
| 34.00% |
Starting borrower rate/APR:
| 35.00% / 37.45% |
Starting monthly payment:
| $294.03 |
|
Auction yield range:
| 17.04% - 34.00% |
Estimated loss impact:
| 21.01% | | |
Lender servicing fee:
| 1.00% |
Estimated return:
| 12.99% | | |
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan 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 scores:
| |
First credit line:
| Jul-1994 |
Debt/Income ratio:
| 20% |
Basic (1-10):
| 4 |
Inquiries last 6m:
| 0 | Employment status: | Full-time employee |
Enhanced (1-5): | 2 |
Current / open credit lines:
| 4
/
3 | Length of status: | 4y 0m |
Credit score:
| 600-619 (Apr-2010) |
Total credit lines:
| 12 |
Occupation: | Retail Management |
Now delinquent:
| 0 |
Revolving credit balance:
| $1,324 | Stated income: | $25,000-$49,999 |
Amount delinquent:
| $0 |
Bankcard utilization:
| 165% | | |
Public records last 12m / 10y:
| 0/ 2 |
Homeownership:
| No | | |
Delinquencies in last 7y:
| 4 | | | | |
Screen name:
| jobear |
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.
Prosper Activity
Loan history | Payment history | Credit score history |
Active / total loans:
| 1 / 1 |
On-time:
| 27 ( 90% )
| 600-619 (Latest)
|
Principal borrowed:
| $4,300.00 | < mo. late:
| 3
( 10% )
| 600-619
(Mar-2010)
600-619
(Feb-2010)
600-619
(Dec-2009)
640-659
(Sep-2007)
|
Principal balance:
| $942.80 |
1+ mo. late:
| 0
( 0% )
|
Total payments billed:
| 30 | | |
Description
Trying to get away from debt
Purpose of loan:
The purpose of my second loan is to lump my high interest credit card bills and personal loans into one payment.? Recently, a person from Capital One Visa actually obtained a family member's private cell phone number and after contacting them proceeded to give them confidential details about my account.? Furious with this company, I cut up the credit card immediately.? I owe $1600 on this account and I want to make these people go away.? I make my payments to my accounts trying to pay a little more than the minimum amount due, but they just don't seem to go down.? By borrowing through prosper, I would have one loan due out, and this would be paid off in three years.?
My financial situation:
This would be my second loan with Prosper.? My credit score is not the?greatest due to?my filing?bankruptcy in 2004, which was discharged.? This bankruptcy was the result of my closing a small coffee shop that I owned.? I've made a few bad financial decisions in the last couple of years and my credit has taken another beating.? On 3/4/2010 I received a promotion at the company that I have been with now for 4 years.? I have received a nice raise and have been re-assigned to a location much closer to home.?? ??
I have invited my friends to join as lenders only to find that Prosper is not excepting new lenders from the state of Ohio where I live.? Two of my friends quickly let me?? know that they were unable to join.? None the less, Prosper has helped me once and I hope can help me again.? I refuse to give up.
I appreciate the time you have taken to read my request and hope that even though I am listed as "high risk", you give my loan consideration.
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
452715
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 aggregate amount of the requested loan.
Amount:
| $5,000.00 |
Prosper Rating:
| HR |
Auction Duration:
| 7 days
|
Term:
| 36 months |
Estimated loss:
| 25.0% | | |
| | |
|
Starting lender yield:
| 34.00% |
Starting borrower rate/APR:
| 35.00% / 37.45% |
Starting monthly payment:
| $226.18 |
|
Auction yield range:
| 17.04% - 34.00% |
Estimated loss impact:
| 27.01% | | |
Lender servicing fee:
| 1.00% |
Estimated return:
| 6.99% | | |
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan 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 scores:
| |
First credit line:
| Jun-1999 |
Debt/Income ratio:
| 12% |
Basic (1-10):
| 3 |
Inquiries last 6m:
| 2 | Employment status: | Full-time employee |
Enhanced (1-5): | 4 |
Current / open credit lines:
| 6
/
6 | Length of status: | 13y 10m |
Credit score:
| 640-659 (Apr-2010) |
Total credit lines:
| 17 |
Occupation: | Retail Management |
Now delinquent:
| 1 |
Revolving credit balance:
| $743 | Stated income: | $50,000-$74,999 |
Amount delinquent:
| $34 |
Bankcard utilization:
| 9% | | |
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| No | | |
Delinquencies in last 7y:
| 3 | | | | |
Screen name:
| asset-pragmatist5 |
Borrower's state:
| NewJersey |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Description
Final Wedding Deposits
This loan will be used to assist in making final preparations for our wedding.
I am a good candidate for this loan because it will be a short term loan paid off quickly.?
Monthly net income: $ 3,086
Monthly expenses: $
??Housing: $ 1,025
??Insurance: $ 80
??Car expenses: $120
??Utilities: $ 250
??Phone, cable, internet: $ 150
??Food: $?300
??Clothing, household expenses $?40
??Credit cards and other loans: $ 30 on average
??Other expenses: $
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
452721
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 aggregate amount of the requested loan.
Amount:
| $25,000.00 |
Prosper Rating:
| C |
Auction Duration:
| 7 days
|
Term:
| 36 months |
Estimated loss:
| 6.2% | | |
| | |
|
Starting lender yield:
| 21.53% |
Starting borrower rate/APR:
| 22.53% / 24.80% |
Starting monthly payment:
| $961.63 |
|
Auction yield range:
| 8.04% - 21.53% |
Estimated loss impact:
| 6.71% | | |
Lender servicing fee:
| 1.00% |
Estimated return:
| 14.82% | | |
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan 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 scores:
| |
First credit line:
| Mar-1984 |
Debt/Income ratio:
| 65% |
Basic (1-10):
| 4 |
Inquiries last 6m:
| 0 | Employment status: | Full-time employee |
Enhanced (1-5): | 5 |
Current / open credit lines:
| 13
/
13 | Length of status: | 4y 8m |
Credit score:
| 820-839 (Apr-2010) |
Total credit lines:
| 18 |
Occupation: | Skilled Labor |
Now delinquent:
| 1 |
Revolving credit balance:
| $5,382 | Stated income: | $25,000-$49,999 |
Amount delinquent:
| $598 |
Bankcard utilization:
| 11% | | |
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| Yes | | |
Delinquencies in last 7y:
| 0 | | | | |
Screen name:
| courteous-value741 |
Borrower's state:
| Oregon |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Description
Clothing Manufacturing Startup
Purpose of loan:
This loan will be used to?
produce a line of hats and handbags. I am an acomplished seamstress and pattenrmaker. I have worked for a regional opera costume shop for the last five years. I have designed a collection of sewn leather hats and bags for men and women. I have created samples of these pieces and met with sewing contactors in LA. This spring I will be attending trade shows and approaching boutiques to take orders. This loan would cover the cost of materials and labor to fill these orders.
My financial situation:
I am a good candidate for this loan because?my designs have been well received based on my experience selling on consignment, as well as in freelance costume design. I attended a two year apparel design program and have my BA. I am hard working, resourceful and have steady employment.
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
452733
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 aggregate amount of the requested loan.
Amount:
| $2,500.00 |
Prosper Rating:
| HR |
Auction Duration:
| 7 days
|
Term:
| 36 months |
Estimated loss:
| 18.0% | | |
| | |
|
Starting lender yield:
| 34.00% |
Starting borrower rate/APR:
| 35.00% / 37.45% |
Starting monthly payment:
| $113.09 |
|
Auction yield range:
| 17.04% - 34.00% |
Estimated loss impact:
| 20.01% | | |
Lender servicing fee:
| 1.00% |
Estimated return:
| 13.99% | | |
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan 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 scores:
| |
First credit line:
| Mar-1990 |
Debt/Income ratio:
| 12% |
Basic (1-10):
| 3 |
Inquiries last 6m:
| 0 | Employment status: | Full-time employee |
Enhanced (1-5): | 5 |
Current / open credit lines:
| 7
/
5 | Length of status: | 19y 9m |
Credit score:
| 740-759 (Mar-2010) |
Total credit lines:
| 32 |
Occupation: | Other |
Now delinquent:
| 1 |
Revolving credit balance:
| $727 | Stated income: | $50,000-$74,999 |
Amount delinquent:
| $9,967 |
Bankcard utilization:
| 98% | | |
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| Yes | | |
Delinquencies in last 7y:
| 11 | | | | |
Screen name:
| first-time-borrower |
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
Emergency Request
Purpose of loan:
This loan is to pay off remaining balances for our wedding.
My financial situation:
I am a good candidate for this loan because I will and can?pay the loan back. I am requesting this loan in desperation because my fiancee' has been laid off from his job and has not been able to find employment to continue assisting with payments for our wedding.? With final payment deadlines approaching fast for our wedding costs balances, we are at risk of losing all of our money that we have put into the wedding over the past year and half if we have to cancel our wedding because we cannot make the payments in lump sum. With this loan we would be able to still have our wedding and would be paying the loan back in installment payments which I can do on an installment plan.
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
452739
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 aggregate amount of the requested loan.
Amount:
| $1,300.00 |
Prosper Rating:
| C |
Auction Duration:
| 7 days
|
Term:
| 36 months |
Estimated loss:
| 6.5% | | |
| | |
|
Starting lender yield:
| 18.04% |
Starting borrower rate/APR:
| 19.04% / 21.91% |
Starting monthly payment:
| $47.68 |
|
Auction yield range:
| 8.04% - 18.04% |
Estimated loss impact:
| 6.92% | | |
Lender servicing fee:
| 1.00% |
Estimated return:
| 11.12% | | |
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan 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 scores:
| |
First credit line:
| Feb-1987 |
Debt/Income ratio:
| 33% |
Basic (1-10):
| 10 |
Inquiries last 6m:
| 0 | Employment status: | Full-time employee |
Enhanced (1-5): | 5 |
Current / open credit lines:
| 18
/
14 | Length of status: | 1y 3m |
Credit score:
| 680-699 (Mar-2010) |
Total credit lines:
| 51 |
Occupation: | Computer Programmer |
Now delinquent:
| 0 |
Revolving credit balance:
| $27,343 | Stated income: | $75,000-$99,999 |
Amount delinquent:
| $0 |
Bankcard utilization:
| 82% | | |
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| Yes | | |
Delinquencies in last 7y:
| 0 | | | | |
Screen name:
| orange-compassion-percolator |
Borrower's state:
| Nebraska |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Description
Repairing Heat Pump
Purpose of loan:
This loan will be used to?
This is an updated listing after receiving a more favorable bid on repair, reducing the requested amount...
Due to an accident, the heat pump (which is the outside A/C compressor unit) was damaged this winter.? The repair will replace the damaged outside coil, replace the filter dryer (which is required when the unit loses all its coolant), recharge the system and complete all necessary diagnostics.
My financial situation:
I am a good candidate for this loan because?
I have been working in my field for close to 18 years and the particular software I work on is in high demand.? The company I currently work for is financially sound and is the leader in credit/debit processing.? My last was very positive and there is no risk of being laid off due to the high demand of someone with my skills.
Monthly net income: Self $ 5288 - Spouse $2464
Monthly expenses: $
??Housing: $
1670
??Insurance: $
337
??Car expenses: $
882
??Utilities: $ 214
??Phone, cable, internet: $
290
??Food, entertainment: $ 800
??Clothing, household expenses $
250
??Credit cards and other loans: $
1276
??Other expenses: $
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
452745
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 aggregate amount of the requested loan.
Amount:
| $7,500.00 |
Prosper Rating:
| HR |
Auction Duration:
| 7 days
|
Term:
| 36 months |
Estimated loss:
| 18.0% | | |
| | |
|
Starting lender yield:
| 27.38% |
Starting borrower rate/APR:
| 28.38% / 30.73% |
Starting monthly payment:
| $311.77 |
|
Auction yield range:
| 17.04% - 27.38% |
Estimated loss impact:
| 19.59% | | |
Lender servicing fee:
| 1.00% |
Estimated return:
| 7.79% | | |
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan 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 scores:
| |
First credit line:
| Dec-1992 |
Debt/Income ratio:
| 36% |
Basic (1-10):
| 5 |
Inquiries last 6m:
| 0 | Employment status: | Full-time employee |
Enhanced (1-5): | 4 |
Current / open credit lines:
| 7
/
7 | Length of status: | 3y 7m |
Credit score:
| 640-659 (Mar-2010) |
Total credit lines:
| 22 |
Occupation: | Other |
Now delinquent:
| 0 |
Revolving credit balance:
| $22,990 | Stated income: | $50,000-$74,999 |
Amount delinquent:
| $0 |
Bankcard utilization:
| 100% | | |
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| Yes | | |
Delinquencies in last 7y:
| 8 | | | | |
Screen name:
| commitment-legend |
Borrower's state:
| Connecticut |
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
Can i pay you instead?
Purpose of loan:
This loan will be used to pay off about 40% of my outstanding Credit Card balances!
My financial situation:
I am a good candidate for this loan because I am what you would consider income rich and credit poor. Back in 2004-2006 I used my credit cards to help me get through graduate school. For the past 3 years I have been trying to get my balances down, but cannot seem to get ahead. Obviously the 30% interest is working against me and my family. I hope to get a reasonable rate on a prosper loan, and be able to knock out 40% or more of my credit card debt in 3 short years......
Monthly net income: $ 4,000
Monthly expenses: $
??Housing: $
1200
??Insurance: $ 150
??Car expenses: $350
??Utilities: $
225
??Phone, cable, internet: $
75
??Food, entertainment: $ 100
??Clothing, household expenses $
75
??Credit cards and other loans: $
750
??Other expenses: $
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
452757
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 aggregate amount of the requested loan.
Amount:
| $7,500.00 |
Prosper Rating:
| C |
Auction Duration:
| 7 days
|
Term:
| 36 months |
Estimated loss:
| 7.0% | | |
| | |
|
Starting lender yield:
| 21.93% |
Starting borrower rate/APR:
| 22.93% / 25.21% |
Starting monthly payment:
| $290.05 |
|
Auction yield range:
| 8.04% - 21.93% |
Estimated loss impact:
| 7.52% | | |
Lender servicing fee:
| 1.00% |
Estimated return:
| 14.41% | | |
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan 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 scores:
| |
First credit line:
| Apr-1994 |
Debt/Income ratio:
| 5% |
Basic (1-10):
| 7 |
Inquiries last 6m:
| 3 | Employment status: | Full-time employee |
Enhanced (1-5): | 5 |
Current / open credit lines:
| 3
/
2 | Length of status: | 2y 6m |
Credit score:
| 780-799 (Mar-2010) |
Total credit lines:
| 7 |
Occupation: | Other |
Now delinquent:
| 0 |
Revolving credit balance:
| $188 | Stated income: | $75,000-$99,999 |
Amount delinquent:
| $0 |
Bankcard utilization:
| 1% | | |
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| No | | |
Delinquencies in last 7y:
| 0 | | | | |
Screen name:
| euro-network |
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
Working Capital
Purpose of loan:
This loan will be used for working capital for my sushi restaurant; new menus, dishes, re-vamp restaurant look etc.
My financial situation:
I am a good candidate for this loan because I pay my bills on time and have a good credit history.
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
452763
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 aggregate amount of the requested loan.
Amount:
| $7,500.00 |
Prosper Rating:
| A |
Auction Duration:
| 7 days
|
Term:
| 36 months |
Estimated loss:
| 2.1% | | |
| | |
|
Starting lender yield:
| 9.38% |
Starting borrower rate/APR:
| 10.38% / 12.49% |
Starting monthly payment:
| $243.34 |
|
Auction yield range:
| 4.04% - 9.38% |
Estimated loss impact:
| 2.13% | | |
Lender servicing fee:
| 1.00% |
Estimated return:
| 7.25% | | |
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan 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 scores:
| |
First credit line:
| Jan-1996 |
Debt/Income ratio:
| 15% |
Basic (1-10):
| 9 |
Inquiries last 6m:
| 1 | Employment status: | Full-time employee |
Enhanced (1-5): | 5 |
Current / open credit lines:
| 15
/
14 | Length of status: | 5y 10m |
Credit score:
| 760-779 (Apr-2010) |
Total credit lines:
| 50 |
Occupation: | Other |
Now delinquent:
| 0 |
Revolving credit balance:
| $17,922 | Stated income: | $100,000+ |
Amount delinquent:
| $0 |
Bankcard utilization:
| 47% | | |
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| Yes | | |
Delinquencies in last 7y:
| 0 | | | | |
Screen name:
| point-forte |
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
Paying off Private Note
Purpose of loan:
This loan will be used to pay off a private note that is at a high interest rate.
My financial situation:
I am a good candidate for this loan because I can make my payments in a timely manner and possibly pay off the loan early.
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
452769
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 aggregate amount of the requested loan.
Amount:
| $4,500.00 |
Prosper Rating:
| AA |
Auction Duration:
| 7 days
|
Term:
| 36 months |
Estimated loss:
| 0.6% | | |
| | |
|
Starting lender yield:
| 6.02% |
Starting borrower rate/APR:
| 7.02% / 7.36% |
Starting monthly payment:
| $138.99 |
|
Auction yield range:
| 3.04% - 6.02% |
Estimated loss impact:
| 0.60% | | |
Lender servicing fee:
| 1.00% |
Estimated return:
| 5.42% | | |
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan 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 scores:
| |
First credit line:
| Oct-2000 |
Debt/Income ratio:
| 12% |
Basic (1-10):
| 10 |
Inquiries last 6m:
| 0 | Employment status: | Full-time employee |
Enhanced (1-5): | 5 |
Current / open credit lines:
| 12
/
11 | Length of status: | 0y 7m |
Credit score:
| 800-819 (Apr-2010) |
Total credit lines:
| 21 |
Occupation: | Computer Programmer |
Now delinquent:
| 0 |
Revolving credit balance:
| $1,994 | Stated income: | $75,000-$99,999 |
Amount delinquent:
| $0 |
Bankcard utilization:
| 6% | | |
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| Yes | | |
Delinquencies in last 7y:
| 0 | | | | |
Screen name:
| octupul |
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:
| 22 ( 100% )
| 800-819 (Latest)
|
Principal borrowed:
| $7,500.00 | < mo. late:
| 0
( 0% )
| 700-719
(Sep-2007)
|
Principal balance:
| $0.00 |
1+ mo. late:
| 0
( 0% )
|
Total payments billed:
| 22 | | |
Description
0 missed payments
Purpose of loan:
I am using this loan for some debt consolidation.? I have already paid off a big bulk with a previous prosper loan and figured it worked out well and I should do it again to pay off the last part.
My financial situation:
I have never missed a payment.? I have a good credit score with a good credit history.? I have worked in my current field full time for 9 years with no downtime between jobs.
Monthly expenses: $
??Housing: $
1300
??Insurance: $
60
??Car expenses: $ 550
??Utilities: $
100
??Phone, cable, internet: $
100
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
452775
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 aggregate amount of the requested loan.
Amount:
| $10,500.00 |
Prosper Rating:
| AA |
Auction Duration:
| 7 days
|
Term:
| 36 months |
Estimated loss:
| 1.5% | | |
| | |
|
Starting lender yield:
| 8.10% |
Starting borrower rate/APR:
| 9.10% / 9.44% |
Starting monthly payment:
| $334.39 |
|
Auction yield range:
| 3.04% - 8.10% |
Estimated loss impact:
| 1.50% | | |
Lender servicing fee:
| 1.00% |
Estimated return:
| 6.60% | | |
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan 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 scores:
| |
First credit line:
| Nov-1993 |
Debt/Income ratio:
| 18% |
Basic (1-10):
| 8 |
Inquiries last 6m:
| 0 | Employment status: | Full-time employee |
Enhanced (1-5): | 5 |
Current / open credit lines:
| 12
/
11 | Length of status: | 2y 3m |
Credit score:
| 800-819 (Mar-2010) |
Total credit lines:
| 26 |
Occupation: | Professional |
Now delinquent:
| 0 |
Revolving credit balance:
| $1,864 | Stated income: | $50,000-$74,999 |
Amount delinquent:
| $0 |
Bankcard utilization:
| 0% | | |
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| Yes | | |
Delinquencies in last 7y:
| 0 | | | | |
Screen name:
| Sabrus |
Borrower's state:
| Missouri |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Description
Paying off credit cards
Purpose of loan:
This loan will be used to consolidate three credit card balances into one payment.? I went through some life changes where I had no choice to take on
debt.
My financial situation:
I am a good candidate for this loan because I have income stability and have a clear path to be credit debt free and this is one portion of? it.
I have an excellent credit history and record of never paying late on previous loans I have acquired.? I would rather support my peers in lending
than the large credit companies.? I appreciate your assistence and help towards my goal.
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
452787
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 aggregate amount of the requested loan.
Amount:
| $19,000.00 |
Prosper Rating:
| HR |
Auction Duration:
| 7 days
|
Term:
| 36 months |
Estimated loss:
| 25.0% | | |
| | |
|
Starting lender yield:
| 19.00% |
Starting borrower rate/APR:
| 20.00% / 22.24% |
Starting monthly payment:
| $706.11 |
|
Auction yield range:
| 17.04% - 19.00% |
Estimated loss impact:
| 26.06% | | |
Lender servicing fee:
| 1.00% |
Estimated return:
| -7.06% | | |
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan 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 scores:
| |
First credit line:
| May-2000 |
Debt/Income ratio:
| Self-employed (DTI Not Calculated) |
Basic (1-10):
| 3 |
Inquiries last 6m:
| 0 | Employment status: | Self-employed |
Enhanced (1-5): | 5 |
Current / open credit lines:
| 4
/
4 | Length of status: | 2y 7m |
Credit score:
| 640-659 (Apr-2010) |
Total credit lines:
| 12 |
Occupation: | Professional |
Now delinquent:
| 0 |
Revolving credit balance:
| $4,631 | Stated income: | $50,000-$74,999 |
Amount delinquent:
| $0 |
Bankcard utilization:
| 65% | | |
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| No | | |
Delinquencies in last 7y:
| 0 | | | | |
Screen name:
| capital-solo0 |
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
Business debt colsolidation
Purpose of loan:
This loan will be used to consolidate my business debt into one payment.
My financial situation:
I am a good candidate for this loan because I have a good credit score even though it could be higher. The only reason I don't have a score in the high 700's is because when I started my company I used all of my personal credit to get things moving, thus the lower score because of the ratio. I have never made a late payment on any bill in my life and my credit report shows that. I am as reliable as they come. My company is doing very well with increased profit of 32% forecasted for this year. With your help I will pay a lot less in interest and only have one bill for our past expenses. Thanks for taking the time to read this.
Monthly net income: $ 5,129.00
Monthly expenses: $
??Housing: $
1,200
??Insurance: $
120.00
??Car expenses: $
100.00
??Utilities: $
100.00
??Phone, cable, internet: $
130.00
??Food, entertainment: $
500.00
??Clothing, household expenses $
200.00
??Credit cards and other loans: $
300.00
??Other expenses: $
0.00
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
452797
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 aggregate amount of the requested loan.
Amount:
| $14,500.00 |
Prosper Rating:
| HR |
Auction Duration:
| 7 days
|
Term:
| 36 months |
Estimated loss:
| 34.5% | | |
| | |
|
Starting lender yield:
| 18.00% |
Starting borrower rate/APR:
| 19.00% / 21.22% |
Starting monthly payment:
| $531.51 |
|
Auction yield range:
| 17.04% - 18.00% |
Estimated loss impact:
| 35.50% | | |
Lender servicing fee:
| 1.00% |
Estimated return:
| -17.50% | | |
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan 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 scores:
| |
First credit line:
| Dec-1989 |
Debt/Income ratio:
| 53% |
Basic (1-10):
| 1 |
Inquiries last 6m:
| 1 | Employment status: | Full-time employee |
Enhanced (1-5): | 1 |
Current / open credit lines:
| 5
/
4 | Length of status: | 0y 3m |
Credit score:
| 740-759 (Apr-2010) |
Total credit lines:
| 32 |
Occupation: | Accountant/CPA |
Now delinquent:
| 3 |
Revolving credit balance:
| $0 | Stated income: | $25,000-$49,999 |
Amount delinquent:
| $506 |
Bankcard utilization:
| 0% | | |
Public records last 12m / 10y:
| 0/ 1 |
Homeownership:
| No | | |
Delinquencies in last 7y:
| 6 | | | | |
Screen name:
| Scorpio1970 |
Borrower's state:
| Michigan |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan history | Payment history | Credit score history |
Active / total loans:
| 1 / 2 |
On-time:
| 50 ( 100% )
| 740-759 (Latest)
|
Principal borrowed:
| $10,000.00 | < mo. late:
| 0
( 0% )
| 660-679
(Jun-2008)
600-619
(Mar-2008)
640-659
(Sep-2007)
|
Principal balance:
| $2,755.69 |
1+ mo. late:
| 0
( 0% )
|
Total payments billed:
| 50 | | |
Description
New Car
If funded this loan will be used to purchase a reliable vehicle.? This will be my first major purchase since filing bankruptcy in 2007.? The only loans I have had since then are my prosper loans and I hope to keep it that way.? Accounts showing delinquent are from the bankruptcy and are scheduled to fall off by the end of the year.? I feel I deserve a better rate as I have improved my credit more than 30 points within the last two years.?
Current Income:? $2,074
Current Expenses:
Prosper $212.26
Insurance $147.00
Utilities $250.00
Cell - $95.00
Phone, Cable & Internet - $150.00
Food & Misc Expenses - $500.00
Total - $1400.00
I want to pay off my other prosper loan so I will only have one payment.? Please ask questions.? Thanks.
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
452799
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 aggregate amount of the requested loan.
Amount:
| $1,000.00 |
Prosper Rating:
| HR |
Auction Duration:
| 7 days
|
Term:
| 36 months |
Estimated loss:
| 18.0% | | |
| | |
|
Starting lender yield:
| 34.00% |
Starting borrower rate/APR:
| 35.00% / 39.15% |
Starting monthly payment:
| $45.24 |
|
Auction yield range:
| 17.04% - 34.00% |
Estimated loss impact:
| 20.01% | | |
Lender servicing fee:
| 1.00% |
Estimated return:
| 13.99% | | |
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan 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 scores:
| |
First credit line:
| Dec-1998 |
Debt/Income ratio:
| 11% |
Basic (1-10):
| 5 |
Inquiries last 6m:
| 7 | Employment status: | Full-time employee |
Enhanced (1-5): | 3 |
Current / open credit lines:
| 8
/
7 | Length of status: | 5y 8m |
Credit score:
| 640-659 (Apr-2010) |
Total credit lines:
| 14 |
Occupation: | Other |
Now delinquent:
| 0 |
Revolving credit balance:
| $2,971 | Stated income: | $50,000-$74,999 |
Amount delinquent:
| $0 |
Bankcard utilization:
| 22% | | |
Public records last 12m / 10y:
| 0/ 2 |
Homeownership:
| No | | |
Delinquencies in last 7y:
| 4 | | | | |
Screen name:
| Cardinals05 |
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
Pay off my Taxes
Purpose of loan:
This loan will be used to??consolidate my four credit cards so?I don't have?to pay all the high interest rates. i will just have one with Prosper.
My financial situation:
I am a good candidate for this loan because? I have worked very hard to get my credit back in good standing after some financial?difficulties and?I always make sure all my debts ar paid in full.
Monthly net income: $ 3652
Monthly expenses: $ 3373
??Housing: $ 780
??Insurance: $?137
? Car expenses: $ 391????????
? Utilities: $?90
??Phone, cable, internet: $ 325
??Food, entertainment: $ 800
??Clothing, household expenses $ 150
??Credit cards and other loans: $ 100?
??Other expenses: $ 600
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
452803
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 aggregate amount of the requested loan.
Amount:
| $9,500.00 |
Prosper Rating:
| C |
Auction Duration:
| 7 days
|
Term:
| 36 months |
Estimated loss:
| 8.5% | | |
| | |
|
Starting lender yield:
| 24.56% |
Starting borrower rate/APR:
| 25.56% / 27.87% |
Starting monthly payment:
| $380.54 |
|
Auction yield range:
| 8.04% - 24.56% |
Estimated loss impact:
| 9.09% | | |
Lender servicing fee:
| 1.00% |
Estimated return:
| 15.47% | | |
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan 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 scores:
| |
First credit line:
| Aug-1998 |
Debt/Income ratio:
| Self-employed (DTI Not Calculated) |
Basic (1-10):
| 4 |
Inquiries last 6m:
| 0 | Employment status: | Self-employed |
Enhanced (1-5): | 4 |
Current / open credit lines:
| 10
/
10 | Length of status: | 8y 11m |
Credit score:
| 780-799 (Apr-2010) |
Total credit lines:
| 35 |
Occupation: | Tradesman - Mechani... |
Now delinquent:
| 2 |
Revolving credit balance:
| $6,570 | Stated income: | $50,000-$74,999 |
Amount delinquent:
| $100 |
Bankcard utilization:
| 30% | | |
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| Yes | | |
Delinquencies in last 7y:
| 23 | | | | |
Screen name:
| poetic-duty9 |
Borrower's state:
| Georgia |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Description
Loan to Complete Basement
Purpose of loan:
This loan will be used to fix the basement my Dad left for me in GA. It need to be rented. I hate to see it that way when i can be rent the home out and as well increase in the value of the home. The home is situated in an area where a lot of students are. Very close to Emory University. I once posted an ad on cragslist and the response was overwhelming. So I decided to complete the basment to earn extra cash. Please bid with confidence.????
My financial situation:
I am a good candidate for this loan because I have a good credit record with minimal default. Its going to make me money and that will improve the home as well as paying back the loan.Please bid with confidence.
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
452805
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 aggregate amount of the requested loan.
Amount:
| $6,000.00 |
Prosper Rating:
| HR |
Auction Duration:
| 7 days
|
Term:
| 36 months |
Estimated loss:
| 18.0% | | |
| | |
|
Starting lender yield:
| 34.00% |
Starting borrower rate/APR:
| 35.00% / 37.45% |
Starting monthly payment:
| $271.42 |
|
Auction yield range:
| 17.04% - 34.00% |
Estimated loss impact:
| 20.01% | | |
Lender servicing fee:
| 1.00% |
Estimated return:
| 13.99% | | |
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan 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 scores:
| |
First credit line:
| Jun-2001 |
Debt/Income ratio:
| Self-employed (DTI Not Calculated) |
Basic (1-10):
| 4 |
Inquiries last 6m:
| 0 | Employment status: | Self-employed |
Enhanced (1-5): | 5 |
Current / open credit lines:
| 7
/
6 | Length of status: | 0y 1m |
Credit score:
| 700-719 (Apr-2010) |
Total credit lines:
| 8 |
Occupation: | Other |
Now delinquent:
| 0 |
Revolving credit balance:
| $1,458 | Stated income: | $1-$24,999 |
Amount delinquent:
| $0 |
Bankcard utilization:
| 52% | | |
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| No | | |
Delinquencies in last 7y:
| 0 | | | | |
Screen name:
| wealth-balance |
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
Furniture for New Apartment
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
452809
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 aggregate amount of the requested loan.
Amount:
| $5,000.00 |
Prosper Rating:
| HR |
Auction Duration:
| 7 days
|
Term:
| 36 months |
Estimated loss:
| 34.5% | | |
| | |
|
Starting lender yield:
| 34.00% |
Starting borrower rate/APR:
| 35.00% / 37.45% |
Starting monthly payment:
| $226.18 |
|
Auction yield range:
| 17.04% - 34.00% |
Estimated loss impact:
| 36.51% | | |
Lender servicing fee:
| 1.00% |
Estimated return:
| -2.51% | | |
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan 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 scores:
| |
First credit line:
| Nov-1994 |
Debt/Income ratio:
| 103% |
Basic (1-10):
| 1 |
Inquiries last 6m:
| 3 | Employment status: | Full-time employee |
Enhanced (1-5): | 1 |
Current / open credit lines:
| 17
/
14 | Length of status: | 4y 6m |
Credit score:
| 620-639 (Mar-2010) |
Total credit lines:
| 46 |
Occupation: | Other |
Now delinquent:
| 0 |
Revolving credit balance:
| $6,389 | Stated income: | $25,000-$49,999 |
Amount delinquent:
| $0 |
Bankcard utilization:
| 101% | | |
Public records last 12m / 10y:
| 0/ 1 |
Homeownership:
| Yes | | |
Delinquencies in last 7y:
| 10 | | | | |
Screen name:
| wendi |
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:
| 1 / 1 |
On-time:
| 34 ( 100% )
| 620-639 (Latest)
|
Principal borrowed:
| $6,000.00 | < mo. late:
| 0
( 0% )
| 640-659
(Jan-2010)
620-639
(Aug-2009)
640-659
(Sep-2008)
600-619
(May-2008)
|
Principal balance:
| $435.23 |
1+ mo. late:
| 0
( 0% )
|
Total payments billed:
| 34 | | |
Description
Perfect First Prosper Loan Payments
Purpose of this loan:
I am trying to be smarter about my finances. I would like to pay off most of my credit cards and my first prosper loan. One payment would be very beneficial in helping me conquer my debt.
I have never been late on my current loan, which is paid off in two more payments.
We are having our second child in July. I got the first loan when we were having our first child. The loan was so helpful in getting things in order, I would like to do the same this time.
My financial situation:
I am a good candidate for this loan because I am a very hard working hairstylist. I have been in the business for 15 years. I am self-employed so after all my deductions are taken out it will explain my higher dtir%.
We are responsible people who like everyone else is trying to find the?best?way to deal with life's bills.
My bankruptcy has been discharged since 2004. I have been rebuilding my credit since.
Thank you for your time and hopefully once again your trust.
Monthly net income: $ 5600
Monthly expenses: $ 4953
??House payment: $ 1312
??Insurance: $ 146
??Car expenses: $ 1127
??Utilities: $ 450
??Prosper loan: $ 218
??Child care?$400
? Aflac: $ 100
??Credit cards and other loans: $ 600
??Other expenses: $ 600
I will replace the current prosper payment with the new one and still have $1047 open each month after paying off some credit cards.
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
452827
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 aggregate amount of the requested loan.
Amount:
| $1,500.00 |
Prosper Rating:
| D |
Auction Duration:
| 7 days
|
Term:
| 36 months |
Estimated loss:
| 10.0% | | |
| | |
|
Starting lender yield:
| 19.00% |
Starting borrower rate/APR:
| 20.00% / 22.49% |
Starting monthly payment:
| $55.75 |
|
Auction yield range:
| 11.04% - 19.00% |
Estimated loss impact:
| 10.45% | | |
Lender servicing fee:
| 1.00% |
Estimated return:
| 8.55% | | |
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan 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 scores:
| |
First credit line:
| Mar-2000 |
Debt/Income ratio:
| 12% |
Basic (1-10):
| 8 |
Inquiries last 6m:
| 1 | Employment status: | Full-time employee |
Enhanced (1-5): | 5 |
Current / open credit lines:
| 10
/
7 | Length of status: | 13y 3m |
Credit score:
| 680-699 (Apr-2010) |
Total credit lines:
| 16 |
Occupation: | Food Service |
Now delinquent:
| 0 |
Revolving credit balance:
| $1,752 | Stated income: | $25,000-$49,999 |
Amount delinquent:
| $0 |
Bankcard utilization:
| 91% | | |
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| No | | |
Delinquencies in last 7y:
| 0 | | | | |
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 / 1 |
On-time:
| 17 ( 94% )
| 680-699 (Latest)
|
Principal borrowed:
| $1,000.00 | < mo. late:
| 1
( 6% )
| 600-619
(Aug-2008)
|
Principal balance:
| $613.19 |
1+ mo. late:
| 0
( 0% )
|
Total payments billed:
| 18 | | |
Description
Paying off revolving debt..
Purpose of loan:
This loan will be used to? Pay down my revolving debt to better my credit rating. My revolving credit is negatively impacting my credit score which is?why I plan on paying it down with this loan. My high bank card utilization has also effected my rating here on prosper as you can see. Since my last loan I have improved my credit score?by more then 60 points,and I'm hoping to achieve the same success if this loan is funded.??
My financial situation:
I am a good candidate for this loan because?After a few blemishes and bad choices in the past,?I've?spent many?hours?researching?everything there is to know about what it takes to establish an excellent credit rating.? I had to learn the hard way, and I'm thankful,I now realize how important a good credit score is. ?I? consider myself addicted to achieving?the best credit possible.??I have proven myself to be trustworthy with not only my current prosper loan that is in?good standing?but also my other credit accounts that have no blemishes and no delinquencies. I am more then capable of paying for this loan just like my other prosper loan.? Thank you very much for looking.
Monthly net income: $ 3200
Monthly expenses: $ 1668
??Housing: $ 400
??Insurance: $ 78
??Car expenses: $ 50
??Utilities: $?100
??Phone, cable, internet: $ 45
??Food, entertainment: $ 400
??Clothing, household expenses $ 100
??Credit cards and other loans: $ 395
??Other expenses: $ 100
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
452833
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 aggregate amount of the requested loan.
Amount:
| $3,000.00 |
Prosper Rating:
| C |
Auction Duration:
| 7 days
|
Term:
| 36 months |
Estimated loss:
| 6.5% | | |
| | |
|
Starting lender yield:
| 20.06% |
Starting borrower rate/APR:
| 21.06% / 23.31% |
Starting monthly payment:
| $113.12 |
|
Auction yield range:
| 8.04% - 20.06% |
Estimated loss impact:
| 6.97% | | |
Lender servicing fee:
| 1.00% |
Estimated return:
| 13.09% | | |
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan 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 scores:
| |
First credit line:
| Mar-1995 |
Debt/Income ratio:
| 33% |
Basic (1-10):
| 9 |
Inquiries last 6m:
| 1 | Employment status: | Full-time employee |
Enhanced (1-5): | 3 |
Current / open credit lines:
| 21
/
20 | Length of status: | 2y 10m |
Credit score:
| 660-679 (Apr-2010) |
Total credit lines:
| 50 |
Occupation: | Sales - Commission |
Now delinquent:
| 0 |
Revolving credit balance:
| $27,125 | Stated income: | $25,000-$49,999 |
Amount delinquent:
| $0 |
Bankcard utilization:
| 78% | | |
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| Yes | | |
Delinquencies in last 7y:
| 0 | | | | |
Screen name:
| newest-courageous-openness |
Borrower's state:
| Wisconsin |
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
Help me pay of my CC debt
Purpose of loan:
This loan will be used to? pay of credit card debt.? Even though I have not missed payments to my credit cards, they have lowered my available balance on the cards I do have balances on, lowering my credit scored as they are no longer below 50% of the available balance.With an interest rate of 20% even though I pay extra, it is difficult to get ahead and get them paid off as the interest charges eat up a great deal of my payment. I had some medical issues last year that set me behind financially with those bills. I only have $150 left to pay on them.
My financial situation:
I am a good candidate for this loan because? I do not miss payments. I have been reading "debt proof living" in order to educate myself on getting ahead and have been following the guidelines for this. My friend Margie lives by "debt proof living" an she is going to help me be sure to apply all concepts of this as she used this program to become debt free. However with 20% interest, my payment are only slowly paying down my debt. (Also note I listed my previous land line for identification purposes as requested, however, I disconnected the line to save money as I have enough "free minutes" included with my cell phone that it was an unnecessary expense at this time.
Monthly net income: $ 2300
My last pay check showed $10746 gross paid to date as of 03/20/10 and my next bonus the third week of April will be almost $2000, in addition to my hourly pay. This will?include an additional $300 quarterly bonus..
Monthly expenses: $?1912
??Housing: $ 752
??Insurance: $ 70/car Home insur incl w mortg
??Car expenses: $25
??Utilities: $ 100
??Phone, cable, internet: $100
??Food, entertainment: $ 200
??Clothing, household expenses $ 100
??Credit cards and other loans: $ 565
??Other expenses: $
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
452839
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 aggregate amount of the requested loan.
Amount:
| $2,000.00 |
Prosper Rating:
| C |
Auction Duration:
| 7 days
|
Term:
| 36 months |
Estimated loss:
| 8.0% | | |
| | |
|
Starting lender yield:
| 22.68% |
Starting borrower rate/APR:
| 23.68% / 25.97% |
Starting monthly payment:
| $78.13 |
|
Auction yield range:
| 8.04% - 22.68% |
Estimated loss impact:
| 8.54% | | |
Lender servicing fee:
| 1.00% |
Estimated return:
| 14.14% | | |
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan 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 scores:
| |
First credit line:
| Aug-2006 |
Debt/Income ratio:
| Not calculated |
Basic (1-10):
| 8 |
Inquiries last 6m:
| 0 | Employment status: | Full-time employee |
Enhanced (1-5): | 5 |
Current / open credit lines:
| 4
/
4 | Length of status: | 3y 1m |
Credit score:
| 700-719 (Apr-2010) |
Total credit lines:
| 11 |
Occupation: | Student - College J... |
Now delinquent:
| 0 |
Revolving credit balance:
| $428 | Stated income: | $1-$24,999 |
Amount delinquent:
| $0 |
Bankcard utilization:
| 0% | | |
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| No | | |
Delinquencies in last 7y:
| 0 | | | | |
Screen name:
| QTC |
Borrower's state:
| NewJersey |
Borrower's group:
| Lend2's Group |
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan history | Payment history | Credit score history |
Active / total loans:
| 1 / 2 |
On-time:
| 46 ( 84% )
| 700-719 (Latest)
|
Principal borrowed:
| $5,000.00 | < mo. late:
| 9
( 16% )
| 700-719
(Jun-2008)
680-699
(Mar-2007)
680-699
(Feb-2007)
|
Principal balance:
| $578.90 |
1+ mo. late:
| 0
( 0% )
|
Total payments billed:
| 55 | | |
Description
Car needs work, ASAP!
Hello,????
I went to get a simple tune up today, and when it was finished, I had a whole new set of problems.? I believe that it doesn't pay to cut corners, now!? I need transportation to and from school and work.? I've made a big?mistake, and now my vehicle is riding terribly; like its on its last leg.? I need your help.
Thank you,
QTC
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
452845
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 aggregate amount of the requested loan.
Amount:
| $15,000.00 |
Prosper Rating:
| HR |
Auction Duration:
| 7 days
|
Term:
| 36 months |
Estimated loss:
| 18.0% | | |
| | |
|
Starting lender yield:
| 34.00% |
Starting borrower rate/APR:
| 35.00% / 37.45% |
Starting monthly payment:
| $678.54 |
|
Auction yield range:
| 17.04% - 34.00% |
Estimated loss impact:
| 20.01% | | |
Lender servicing fee:
| 1.00% |
Estimated return:
| 13.99% | | |
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan 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 scores:
| |
First credit line:
| May-1997 |
Debt/Income ratio:
| 28% |
Basic (1-10):
| 5 |
Inquiries last 6m:
| 1 | Employment status: | Full-time employee |
Enhanced (1-5): | 5 |
Current / open credit lines:
| 13
/
12 | Length of status: | 4y 3m |
Credit score:
| 700-719 (Apr-2010) |
Total credit lines:
| 27 |
Occupation: | Police Officer/Corr... |
Now delinquent:
| 0 |
Revolving credit balance:
| $10,338 | Stated income: | $50,000-$74,999 |
Amount delinquent:
| $0 |
Bankcard utilization:
| 66% | | |
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| No | | |
Delinquencies in last 7y:
| 0 | | | | |
Screen name:
| cash-arboretum |
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
Consolidation loan
Purpose of loan:
This loan will be used to?
Considation
My financial situation:
I am a good candidate for this loan because?
No late payment history
Monthly net income: $
3300
Monthly expenses: $
??Housing: $ 400
??Insurance: $
??Car expenses: $ 230
??Utilities: $
??Phone, cable, internet: $60
??Food, entertainment: $ 100
??Clothing, household expenses $
??Credit cards and other loans: $ 400
??Other expenses: $
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
452857
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 aggregate amount of the requested loan.
Amount:
| $6,000.00 |
Prosper Rating:
| C |
Auction Duration:
| 7 days
|
Term:
| 36 months |
Estimated loss:
| 8.0% | | |
| | |
|
Starting lender yield:
| 22.68% |
Starting borrower rate/APR:
| 23.68% / 25.97% |
Starting monthly payment:
| $234.39 |
|
Auction yield range:
| 8.04% - 22.68% |
Estimated loss impact:
| 8.54% | | |
Lender servicing fee:
| 1.00% |
Estimated return:
| 14.14% | | |
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan 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 scores:
| |
First credit line:
| Feb-2002 |
Debt/Income ratio:
| 24% |
Basic (1-10):
| 8 |
Inquiries last 6m:
| 0 | Employment status: | Full-time employee |
Enhanced (1-5): | 5 |
Current / open credit lines:
| 7
/
6 | Length of status: | 7y 11m |
Credit score:
| 720-739 (Mar-2010) |
Total credit lines:
| 20 |
Occupation: | Administrative Assi... |
Now delinquent:
| 0 |
Revolving credit balance:
| $5,810 | Stated income: | $25,000-$49,999 |
Amount delinquent:
| $0 |
Bankcard utilization:
| 57% | | |
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| Yes | | |
Delinquencies in last 7y:
| 0 | | | | |
Screen name:
| hope-bearer8 |
Borrower's state:
| Connecticut |
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
Pay off all debt
Purpose of loan:
The purpose of this loan is to get myself into a secure financial position.
My financial situation:
My financial situation is good, I have good credit and I make all of my payments for debts on time and in full. I bought a house two years ago a ?fixer upper?. Since then I have done just about everything in my power to update it and make it a good investment. I did need to use some of my allotted credit card debt in order to do this. Once I pay off this credit card debt I will have no debt other then my mortgage and car. Currently I am responsible for paying about $640.00 a month toward credit card debt on three cards and two student loans. I currently make $46,000.00 yearly. Should?I get funded through prosper?I will save an est. $400.00 a month.
I then plan to put as much money into 401K that I can and look at other investment opportunities so that I can be prepared for retirement. I am in my early thirties so I want to start getting as financially stable as possible. I received $8,000.00 for my tax return which I just put on debt so I am almost there!!
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
452863
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 aggregate amount of the requested loan.
Amount:
| $12,000.00 |
Prosper Rating:
| HR |
Auction Duration:
| 7 days
|
Term:
| 36 months |
Estimated loss:
| 18.0% | | |
| | |
|
Starting lender yield:
| 26.00% |
Starting borrower rate/APR:
| 27.00% / 29.33% |
Starting monthly payment:
| $489.90 |
|
Auction yield range:
| 17.04% - 26.00% |
Estimated loss impact:
| 19.50% | | |
Lender servicing fee:
| 1.00% |
Estimated return:
| 6.50% | | |
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan 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 scores:
| |
First credit line:
| Dec-1986 |
Debt/Income ratio:
| 73% |
Basic (1-10):
| 5 |
Inquiries last 6m:
| 0 | Employment status: | Full-time employee |
Enhanced (1-5): | 2 |
Current / open credit lines:
| 24
/
22 | Length of status: | 19y 8m |
Credit score:
| 640-659 (Apr-2010) |
Total credit lines:
| 53 |
Occupation: | Administrative Assi... |
Now delinquent:
| 0 |
Revolving credit balance:
| $34,758 | Stated income: | $50,000-$74,999 |
Amount delinquent:
| $0 |
Bankcard utilization:
| 94% | | |
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| No | | |
Delinquencies in last 7y:
| 0 | | | | |
Screen name:
| murphy85 |
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.
Prosper Activity
Loan history | Payment history | Credit score history |
Active / total loans:
| 1 / 1 |
On-time:
| 23 ( 88% )
| 640-659 (Latest)
|
Principal borrowed:
| $15,000.00 | < mo. late:
| 3
( 12% )
| 680-699
(Jan-2008)
|
Principal balance:
| $4,777.87 |
1+ mo. late:
| 0
( 0% )
|
Total payments billed:
| 26 | | |
Description
Paying off credit cards
Purpose of loan:
This will be on 2nd loan with Prosper.? I have proved over the last years that I have been responsible for this loan and never missed a payment.??This loan will be used to pay down the balance of my credit card debt (the first loan was wonderful and paid the first bulk of credit cards).??I would like to see my interest rate on this loan below 20%, but the loan would make sense to me if I go as high as 24% (This would still be better than the credit card interest rates!).? As a single mother,?I have?raised a terrific son,?who will graduate from college in July.??I am paying?high interest rates, because my debt is high!??I believe?with this loan, I could get my debt/income ratio lowered much faster by paying down the debt faster.??My main job earns my ~$55000 with overtime; and I also have a second job that gives me much needed?monthly income (about $400 - 500 per month).??My credit score is still?good; but it could certainly be better!?I know I ran into a "bad" patch with some late payments in the December time frame ( had some major car issues), but all is good now!?I also know that?since?the first loan, I have received?raises to?increase my?monthly net salary;? I have eliminated all extraneous expenses and I?would?love to be?out of debt completely.??With the higher interest rates I have, I don't seem to be making headway!? I live with my elderly?mom to help her out, and consequently have?no housing costs (as her house is paid off). I just need to see some light at the end of the tunnel.? My goal is to be totally debt-free within 3 years!?
My financial situation:
I am a good candidate for this loan as I have proven my responsibility to paying off the first loan and because I have a goal to retire within the next 15 years, and I?am on a quest to be debt free within three years!? I am extremely motivated to do this!? And, if?possible, this loan will not be outstanding for 3 years; I would like to?pay it off sooner than later.??????
Monthly net income: $ 2500
Monthly expenses: $
??Housing: $ 0
??Insurance: $500/year
??Car expenses: $ 375/month in payment; $100/month in gas????
??Utilities: $ 0
??Phone, cable, internet: $ 150/month?
??Food, entertainment: $50
??Clothing, household expenses $ 0
??Credit cards and other loans: $ 1300
??Other expenses: $ 0
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
452869
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 aggregate amount of the requested loan.
Amount:
| $15,000.00 |
Prosper Rating:
| HR |
Auction Duration:
| 7 days
|
Term:
| 36 months |
Estimated loss:
| 18.0% | | |
| | |
|
Starting lender yield:
| 34.00% |
Starting borrower rate/APR:
| 35.00% / 37.45% |
Starting monthly payment:
| $678.54 |
|
Auction yield range:
| 17.04% - 34.00% |
Estimated loss impact:
| 20.01% | | |
Lender servicing fee:
| 1.00% |
Estimated return:
| 13.99% | | |
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan 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 scores:
| |
First credit line:
| Apr-1995 |
Debt/Income ratio:
| 20% |
Basic (1-10):
| 5 |
Inquiries last 6m:
| 1 | Employment status: | Full-time employee |
Enhanced (1-5): | 4 |
Current / open credit lines:
| 22
/
20 | Length of status: | 5y 1m |
Credit score:
| 680-699 (Apr-2010) |
Total credit lines:
| 41 |
Occupation: | Attorney |
Now delinquent:
| 0 |
Revolving credit balance:
| $16,432 | Stated income: | $100,000+ |
Amount delinquent:
| $0 |
Bankcard utilization:
| 95% | | |
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| Yes | | |
Delinquencies in last 7y:
| 6 | | | | |
Screen name:
| investment-arrow3 |
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
pay off credit cards
Purpose of loan:
This loan will be used to pay off outstanding credit card debt.
My financial situation:
I am a good candidate for this loan because my monthly income, job security, and desire to pay off revolving debt and improve financial viability.
Monthly net income: $ 5000
Monthly expenses: $
??Housing: $ 1631
??Insurance: $ (included with housing payment)
??Car expenses: $ 440
??Utilities: $ 200
??Phone, cable, internet: $ (included in utilities)
??Food, entertainment: $ 250
??Clothing, household expenses $ 100
??Credit cards and other loans: $ 700
??Other expenses: $
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
452881
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 aggregate amount of the requested loan.
Amount:
| $7,500.00 |
Prosper Rating:
| HR |
Auction Duration:
| 7 days
|
Term:
| 36 months |
Estimated loss:
| 18.0% | | |
| | |
|
Starting lender yield:
| 34.00% |
Starting borrower rate/APR:
| 35.00% / 37.45% |
Starting monthly payment:
| $339.27 |
|
Auction yield range:
| 17.04% - 34.00% |
Estimated loss impact:
| 20.01% | | |
Lender servicing fee:
| 1.00% |
Estimated return:
| 13.99% | | |
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan 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 scores:
| |
First credit line:
| Jan-1993 |
Debt/Income ratio:
| 51% |
Basic (1-10):
| 5 |
Inquiries last 6m:
| 1 | Employment status: | Full-time employee |
Enhanced (1-5): | 3 |
Current / open credit lines:
| 8
/
7 | Length of status: | 2y 1m |
Credit score:
| 680-699 (Mar-2010) |
Total credit lines:
| 52 |
Occupation: | Other |
Now delinquent:
| 0 |
Revolving credit balance:
| $9,386 | Stated income: | $50,000-$74,999 |
Amount delinquent:
| $0 |
Bankcard utilization:
| 93% | | |
Public records last 12m / 10y:
| 0/ 1 |
Homeownership:
| No | | |
Delinquencies in last 7y:
| 0 | | | | |
Screen name:
| worlds-best-affluence5 |
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
Working Capital
Purpose of loan:
This loan will be used to help pay off private debt used to pay for schooling.
My financial situation:
I am a good candidate for this loan because I pay my bills on time.?
Monthly net income: $
Monthly expenses: $
??Housing: $1200
??Insurance: $
??Car expenses: $
??Utilities: $ 100
??Phone, cable, internet: $ 100
??Food, entertainment: $ 200
??Clothing, household expenses $
??Credit cards and other loans: $ 317
??Other expenses: $
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
452887
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 aggregate amount of the requested loan.
Amount:
| $7,500.00 |
Prosper Rating:
| HR |
Auction Duration:
| 7 days
|
Term:
| 36 months |
Estimated loss:
| 34.5% | | |
| | |
|
Starting lender yield:
| 24.00% |
Starting borrower rate/APR:
| 25.00% / 27.31% |
Starting monthly payment:
| $298.20 |
|
Auction yield range:
| 17.04% - 24.00% |
Estimated loss impact:
| 35.88% | | |
Lender servicing fee:
| 1.00% |
Estimated return:
| -11.88% | | |
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan 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 scores:
| |
First credit line:
| Feb-1997 |
Debt/Income ratio:
| 458% |
Basic (1-10):
| 1 |
Inquiries last 6m:
| 1 | Employment status: | Retired |
Enhanced (1-5): | 2 |
Current / open credit lines:
| 8
/
5 | Length of status: | 8y 8m |
Credit score:
| 700-719 (Apr-2010) |
Total credit lines:
| 22 | Stated income: | $1-$24,999 |
Now delinquent:
| 1 |
Revolving credit balance:
| $2,444 | |
Amount delinquent:
| $1,309 |
Bankcard utilization:
| 97% | | |
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| Yes | | |
Delinquencies in last 7y:
| 5 | | | | |
Screen name:
| laudable-capital1 |
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
pay off high interest truck
Purpose of loan:
This loan will be used to?i will use?money to pay off?high interest on truck?.?????
My financial situation:
I am a good candidate for this loan because? i have a steady income and will pay it on time and possibly pay it off early.
Monthly net income: $2704.29????
Monthly expenses: $
??Housing: $ 400.00
??Insurance: $ 55.00
??Car expenses: $ 413.99
??Utilities: $ 100.00
??Phone, cable, internet: $70.00
??Food, entertainment: $ 200.00
??Clothing, household expenses $ 50.00
??Credit cards and other loans: $ 75.00
??Other expenses: $ 235.00
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
452893
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 aggregate amount of the requested loan.
Amount:
| $2,500.00 |
Prosper Rating:
| D |
Auction Duration:
| 7 days
|
Term:
| 36 months |
Estimated loss:
| 10.0% | | |
| | |
|
Starting lender yield:
| 20.50% |
Starting borrower rate/APR:
| 21.50% / 23.76% |
Starting monthly payment:
| $94.83 |
|
Auction yield range:
| 11.04% - 20.50% |
Estimated loss impact:
| 10.49% | | |
Lender servicing fee:
| 1.00% |
Estimated return:
| 10.01% | | |
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan 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 scores:
| |
First credit line:
| Apr-1980 |
Debt/Income ratio:
| 43% |
Basic (1-10):
| 6 |
Inquiries last 6m:
| 1 | Employment status: | Full-time employee |
Enhanced (1-5): | 2 |
Current / open credit lines:
| 12
/
11 | Length of status: | 2y 8m |
Credit score:
| 700-719 (Apr-2010) |
Total credit lines:
| 38 |
Occupation: | Bus Driver |
Now delinquent:
| 0 |
Revolving credit balance:
| $14,619 | Stated income: | $25,000-$49,999 |
Amount delinquent:
| $0 |
Bankcard utilization:
| 98% | | |
Public records last 12m / 10y:
| 0/ 1 |
Homeownership:
| Yes | | |
Delinquencies in last 7y:
| 0 | | | | |
Screen name:
| forthright-integrity |
Borrower's state:
| Washington |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Description
Cut interest expense in half
Purpose of loan:
This loan will be used to pay off a finance company loan that charges nearly 30%.
My financial situation:
I am a good candidate for this loan because, as a transit driver I have a stable, nearly recession proof job. I'll be getting two pay raises in the next six months which will increase my take home pay approximately $250 per month and there are regular opportunities to pick up weekend work as we get into the vacation season.? I'm determined to pay down my debt and have set several measures in motion to accomplish that.? This loan fits in well with? that strategy.
Monthly net income: $
3166
Monthly expenses: $
1700
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
452899
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 aggregate amount of the requested loan.
Amount:
| $1,500.00 |
Prosper Rating:
| C |
Auction Duration:
| 7 days
|
Term:
| 36 months |
Estimated loss:
| 6.5% | | |
| | |
|
Starting lender yield:
| 20.06% |
Starting borrower rate/APR:
| 21.06% / 23.57% |
Starting monthly payment:
| $56.56 |
|
Auction yield range:
| 8.04% - 20.06% |
Estimated loss impact:
| 6.97% | | |
Lender servicing fee:
| 1.00% |
Estimated return:
| 13.09% | | |
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan 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 scores:
| |
First credit line:
| Jul-1997 |
Debt/Income ratio:
| 10% |
Basic (1-10):
| 9 |
Inquiries last 6m:
| 0 | Employment status: | Full-time employee |
Enhanced (1-5): | 5 |
Current / open credit lines:
| 4
/
4 | Length of status: | 6y 3m |
Credit score:
| 640-659 (Apr-2010) |
Total credit lines:
| 50 |
Occupation: | Accountant/CPA |
Now delinquent:
| 0 |
Revolving credit balance:
| $0 | Stated income: | $75,000-$99,999 |
Amount delinquent:
| $0 |
Bankcard utilization:
| 0% | | |
Public records last 12m / 10y:
| 0/ 1 |
Homeownership:
| No | | |
Delinquencies in last 7y:
| 21 | | | | |
Screen name:
| safe-liberty4 |
Borrower's state:
| Maryland |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Description
paying off small bills
Purpose of loan:
This loan will be used to pay off some small utility and medical bills?
My financial situation:
I am a good candidate for this loan because I have a stable job and I work for the Federal Gov't which is not subject to recession layoffs & pymts can be taken directly from payroll deduction
Monthly net income: $
5800 income + 781 child support
Monthly expenses: $
??Housing: $ 2400
??Insurance: $ 130
??Car expenses: $ 506
??Utilities: $ 500
??Phone, cable, internet: $ 250
??Food, entertainment: $ 400
??Clothing, household expenses $ 100
??Credit cards and other loans: $ 215 student loan
??Other expenses: $ 400 misc household
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
452905
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 aggregate amount of the requested loan.
Amount:
| $1,700.00 |
Prosper Rating:
| A |
Auction Duration:
| 7 days
|
Term:
| 36 months |
Estimated loss:
| 2.1% | | |
| | |
|
Starting lender yield:
| 8.38% |
Starting borrower rate/APR:
| 9.38% / 11.48% |
Starting monthly payment:
| $54.36 |
|
Auction yield range:
| 4.04% - 8.38% |
Estimated loss impact:
| 2.12% | | |
Lender servicing fee:
| 1.00% |
Estimated return:
| 6.26% | | |
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan 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 scores:
| |
First credit line:
| Sep-1992 |
Debt/Income ratio:
| 6% |
Basic (1-10):
| 9 |
Inquiries last 6m:
| 1 | Employment status: | Retired |
Enhanced (1-5): | 4 |
Current / open credit lines:
| 4
/
2 | Length of status: | 5y 5m |
Credit score:
| 780-799 (Apr-2010) |
Total credit lines:
| 10 | Stated income: | $1-$24,999 |
Now delinquent:
| 0 |
Revolving credit balance:
| $0 | |
Amount delinquent:
| $0 |
Bankcard utilization:
| 0% | | |
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| Yes | | |
Delinquencies in last 7y:
| 14 | | | | |
Screen name:
| appcoder |
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
Last credit card to pay off
Purpose of loan:
I'd like to use this loan to pay off one outstanding credit card debt, and to establish a good rating here at Prosper.com.
My financial situation:
For several years, I've been doing my best to payoff all debts and rebuild my credit. I now have 2 cards: one with a balance of $1700 (at 10.99%), one with a balance of $0. I sometimes use the second card in lieu of cash, but I always pay it off before the next billing date, therefore paying no interest. With one to go, I currently pay it down with a minimum of $100 per month. I'd like to pay it off quickly, and repay a loan at a lower rate.
I recently refinanced my mortgage, saving nearly $300 per month. I'm an active lender here at Prosper, with 25 current notes, and I invest in stocks. I don't want to undo any of my current investments, but If I had to, I could trade off some holdings to pay off the loan.
Thanks for taking a look!
Monthly Finances:
Revenue: ??? $1574
Mortgage:????? $680- CCards:???????? $100Utils:???????????? $170-Food:??????????? $200-Ins:?????????????? $96-rx:???????????????? $75-Gas:????????????? $40-
NET:???????????? $213+
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
453023
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 aggregate amount of the requested loan.
Amount:
| $2,500.00 |
Prosper Rating:
| HR |
Auction Duration:
| 7 days
|
Term:
| 36 months |
Estimated loss:
| 18.0% | | |
| | |
|
Starting lender yield:
| 34.00% |
Starting borrower rate/APR:
| 35.00% / 37.45% |
Starting monthly payment:
| $113.09 |
|
Auction yield range:
| 17.04% - 34.00% |
Estimated loss impact:
| 20.01% | | |
Lender servicing fee:
| 1.00% |
Estimated return:
| 13.99% | | |
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan 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 scores:
| |
First credit line:
| Nov-1990 |
Debt/Income ratio:
| 115% |
Basic (1-10):
| 4 |
Inquiries last 6m:
| 4 | Employment status: | Full-time employee |
Enhanced (1-5): | 1 |
Current / open credit lines:
| 13
/
12 | Length of status: | 3y 7m |
Credit score:
| 700-719 (Apr-2010) |
Total credit lines:
| 34 |
Occupation: | Teacher |
Now delinquent:
| 1 |
Revolving credit balance:
| $67,325 | Stated income: | $25,000-$49,999 |
Amount delinquent:
| $20 |
Bankcard utilization:
| 94% | | |
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| Yes | | |
Delinquencies in last 7y:
| 0 | | | | |
Screen name:
| wise-speedy-affluence |
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
Try #3 - Teacher looking for a Loan
Purpose of loan:? This is my third attempt and I don't know how to get lenders to look at my loan.....I see other HR borrowers getting loans and want to sort my finances out.
This loan will be used to help with making things right.? I am trying to use the money to?fill in the financial gaps?I have made.? I have two cars that need repairs, medical bills,?and to help be rectify those mistakes and enable me to put money aside in a savings account for rainy days.? I do not want to ask family and friends for money because I am embarrassed.? I have tried getting a loan through the bank but because of my deferrerd student loans have been told that my debt-to-income ratio is too high.? My student loans helped me graduate this February which will also increase my yearly income starting in September.
My financial situation:
I am a good candidate for this loan because I am?a full-time teacher and have a guaranteed income.? My HR rating is due to a high debt-to-income ratio.? This ratio and?a one-time late payment has caused me to have the HR rating and a lower credit score.? My credit score ranges from 680-772 depending on the credit?report.? I also have a spouse that contributes to our monthly income which he is a government employee and has a guaranteed income.? This loan will give me the opportunity to fix my cars, pay off medical bills, and enable me to put money aside to assist with unforeseen future events.? I am a risk due to my rating but getting this loan will provide me with the opportunity I need to make things right and I will ensure that if given this loan my payments will be on time and I can be a good borrower.? My accounts are all current and in good standing with the exception of the one time late payment.
Monthly net income: $ 2,770.? This does not include an additional income of $5,500.? Our total monthly net income is $8,270.
Monthly expenses:? Are for the total household and not just for my payments?$5,775
??Housing: $ 1,810
??Insurance: $ 185
??Car expenses: $ 362
??Utilities: $ 250
??Phone, cable, internet: $ 169
??Food, entertainment: $ 300
??Clothing, household expenses $
??Credit cards and other loans: $ 2,500 - this amount includes?RV payment, consolidation loan, student loans, etc.
??Other expenses: $
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
453035
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 aggregate amount of the requested loan.
Amount:
| $8,300.00 |
Prosper Rating:
| C |
Auction Duration:
| 7 days
|
Term:
| 36 months |
Estimated loss:
| 8.0% | | |
| | |
|
Starting lender yield:
| 23.85% |
Starting borrower rate/APR:
| 24.85% / 27.15% |
Starting monthly payment:
| $329.35 |
|
Auction yield range:
| 8.04% - 23.85% |
Estimated loss impact:
| 8.57% | | |
Lender servicing fee:
| 1.00% |
Estimated return:
| 15.28% | | |
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan 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 scores:
| |
First credit line:
| May-1998 |
Debt/Income ratio:
| 17% |
Basic (1-10):
| 8 |
Inquiries last 6m:
| 0 | Employment status: | Full-time employee |
Enhanced (1-5): | 5 |
Current / open credit lines:
| 4
/
2 | Length of status: | 2y 7m |
Credit score:
| 700-719 (Apr-2010) |
Total credit lines:
| 15 |
Occupation: | Truck Driver |
Now delinquent:
| 0 |
Revolving credit balance:
| $10,833 | Stated income: | $50,000-$74,999 |
Amount delinquent:
| $0 |
Bankcard utilization:
| 77% | | |
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| No | | |
Delinquencies in last 7y:
| 0 | | | | |
Screen name:
| point-crusader |
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
Getting this guy off the ground!!
Purpose of loan:
This loan will be used to?start a small business. I have a degree in business?management and marketing and am looking to use those talents to the best of their abilities!?I am looking at buying an Aged Shelf Corporation to allow me the years of taxes and filing that are already done with a Coporation that has been seasoned a few years. The filing of the paper work costs $8000.
My financial situation:
I am a good candidate for this loan because I am very resourceful and I already have a full time job that provides for my family. I?can make monthly payments from my already exisiting income!?My drive and determination to follow through to completion will give you the peace of mind when loaning money to me!
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
453041
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 aggregate amount of the requested loan.
Amount:
| $3,000.00 |
Prosper Rating:
| C |
Auction Duration:
| 7 days
|
Term:
| 36 months |
Estimated loss:
| 6.5% | | |
| | |
|
Starting lender yield:
| 19.01% |
Starting borrower rate/APR:
| 20.01% / 22.25% |
Starting monthly payment:
| $111.51 |
|
Auction yield range:
| 8.04% - 19.01% |
Estimated loss impact:
| 6.94% | | |
Lender servicing fee:
| 1.00% |
Estimated return:
| 12.07% | | |
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan 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 scores:
| |
First credit line:
| Sep-1996 |
Debt/Income ratio:
| 26% |
Basic (1-10):
| 10 |
Inquiries last 6m:
| 0 | Employment status: | Full-time employee |
Enhanced (1-5): | 5 |
Current / open credit lines:
| 10
/
10 | Length of status: | 2y 11m |
Credit score:
| 680-699 (Apr-2010) |
Total credit lines:
| 25 |
Occupation: | Accountant/CPA |
Now delinquent:
| 0 |
Revolving credit balance:
| $27,239 | Stated income: | $75,000-$99,999 |
Amount delinquent:
| $0 |
Bankcard utilization:
| 79% | | |
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| Yes | | |
Delinquencies in last 7y:
| 2 | | | | |
Screen name:
| fairness-candy |
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 Project
Purpose of loan:
This loan will be used to fund home improvement projects.?
My financial situation:
As CPAs are in high demand, I have job security and upward potential.
Monthly net income: $ 4,200
Monthly expenses: $
??Housing: $ 1,200
??Insurance: $ 100
??Car expenses: $?380?
??Utilities: $ 70
??Phone, cable, internet: $ 90
??Food, entertainment: $ 500
??Clothing, household expenses $ 100
??Credit cards and other loans: $ 1000
??Other expenses: $ 100
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
453053
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 aggregate amount of the requested loan.
Amount:
| $1,000.00 |
Prosper Rating:
| A |
Auction Duration:
| 7 days
|
Term:
| 36 months |
Estimated loss:
| 2.1% | | |
| | |
|
Starting lender yield:
| 8.38% |
Starting borrower rate/APR:
| 9.38% / 12.93% |
Starting monthly payment:
| $31.98 |
|
Auction yield range:
| 4.04% - 8.38% |
Estimated loss impact:
| 2.12% | | |
Lender servicing fee:
| 1.00% |
Estimated return:
| 6.26% | | |
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan 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 scores:
| |
First credit line:
| Aug-2004 |
Debt/Income ratio:
| Self-employed (DTI Not Calculated) |
Basic (1-10):
| 9 |
Inquiries last 6m:
| 2 | Employment status: | Self-employed |
Enhanced (1-5): | 4 |
Current / open credit lines:
| 7
/
6 | Length of status: | 2y 1m |
Credit score:
| 700-719 (Apr-2010) |
Total credit lines:
| 17 |
Occupation: | Student - College S... |
Now delinquent:
| 0 |
Revolving credit balance:
| $10,003 | Stated income: | $1-$24,999 |
Amount delinquent:
| $0 |
Bankcard utilization:
| 64% | | |
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| No | | |
Delinquencies in last 7y:
| 0 | | | | |
Screen name:
| newest-meteoric-fairness |
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
LONG TERM GROWTH
Purpose of loan:
This loan will be used to? expand the office to a bigger location as well as increase staff.
My financial situation:
I am a good candidate for this loan because? we have the tools necessary to compete with the bigger technological companies today. However, financing has been hard to obtain due to the economic conditions. I'm an eager college student ready to make a difference in today's society.
Monthly net income: $ $500
Monthly expenses: $
??Housing: $?265
??Insurance: $?25
??Car expenses: $ 0
??Utilities: $ 40
??Phone, cable, internet: $ 140
??Food, entertainment: $
??Clothing, household expenses $
??Credit cards and other loans: $
??Other expenses: $
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
453059
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 aggregate amount of the requested loan.
Amount:
| $8,600.00 |
Prosper Rating:
| A |
Auction Duration:
| 7 days
|
Term:
| 36 months |
Estimated loss:
| 2.1% | | |
| | |
|
Starting lender yield:
| 9.38% |
Starting borrower rate/APR:
| 10.38% / 12.49% |
Starting monthly payment:
| $279.03 |
|
Auction yield range:
| 4.04% - 9.38% |
Estimated loss impact:
| 2.13% | | |
Lender servicing fee:
| 1.00% |
Estimated return:
| 7.25% | | |
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan 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 scores:
| |
First credit line:
| Oct-1986 |
Debt/Income ratio:
| 36% |
Basic (1-10):
| 9 |
Inquiries last 6m:
| 0 | Employment status: | Full-time employee |
Enhanced (1-5): | 4 |
Current / open credit lines:
| 22
/
20 | Length of status: | 12y 9m |
Credit score:
| 720-739 (Apr-2010) |
Total credit lines:
| 50 |
Occupation: | Computer Programmer |
Now delinquent:
| 0 |
Revolving credit balance:
| $48,436 | Stated income: | $75,000-$99,999 |
Amount delinquent:
| $0 |
Bankcard utilization:
| 70% | | |
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| Yes | | |
Delinquencies in last 7y:
| 0 | | | | |
Screen name:
| generosity-wizard9 |
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
pay off credit cards
Purpose of loan:
This loan will be used to?
pay off high interest credit cards and lower term of pay off
My financial situation:
I am a good candidate for this loan because I have a solid payment history.
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
453065
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 aggregate amount of the requested loan.
Amount:
| $15,000.00 |
Prosper Rating:
| HR |
Auction Duration:
| 7 days
|
Term:
| 36 months |
Estimated loss:
| 25.0% | | |
| | |
|
Starting lender yield:
| 19.00% |
Starting borrower rate/APR:
| 20.00% / 22.24% |
Starting monthly payment:
| $557.45 |
|
Auction yield range:
| 17.04% - 19.00% |
Estimated loss impact:
| 26.06% | | |
Lender servicing fee:
| 1.00% |
Estimated return:
| -7.06% | | |
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan 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 scores:
| |
First credit line:
| Aug-1983 |
Debt/Income ratio:
| Self-employed (DTI Not Calculated) |
Basic (1-10):
| 2 |
Inquiries last 6m:
| 2 | Employment status: | Self-employed |
Enhanced (1-5): | 2 |
Current / open credit lines:
| 8
/
8 | Length of status: | 23y 11m |
Credit score:
| 680-699 (Mar-2010) |
Total credit lines:
| 23 |
Occupation: | Sales - Retail |
Now delinquent:
| 0 |
Revolving credit balance:
| $29,512 | Stated income: | $75,000-$99,999 |
Amount delinquent:
| $0 |
Bankcard utilization:
| 85% | | |
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| Yes | | |
Delinquencies in last 7y:
| 0 | | | | |
Screen name:
| motomech10 |
Borrower's state:
| NewHampshire |
Borrower's group:
| 440+ Supporting Lenders. Get FUNDED @ LOWER % than ANY group |
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 expansion
I am seeking this loan to expand my power sport business IRS Sports. www.irssports.com
You can learn more about my existing business HERE. More specifically, the loan will be used to purchase a power sport rental franchise.This expansion will allow me to offer motorcycle, ATV and snowmobile rentals and guided tours. I am currently negotiating with an internationally recognized powersport rental company to purchase their successfully proven rental franchise model. I am also in discussion with an already successful 5-year veteran of the same rental franchise who currently operates in the southern part of the state and?has expressed interest in partnering with me to offer rentals in the Northen part of the State. He brings capital, knowledge and experience to the table. His existing protected franchise area covers most of the southern part of the state. We are currently negotiating to secure franchise rights to the northern half of the state. Combined the two franchises would give us a protected area covering about 90% of the state, which will make our company the largest power sports rental business in the state.
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
453089
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 aggregate amount of the requested loan.
Amount:
| $5,000.00 |
Prosper Rating:
| HR |
Auction Duration:
| 7 days
|
Term:
| 36 months |
Estimated loss:
| 25.0% | | |
| | |
|
Starting lender yield:
| 18.00% |
Starting borrower rate/APR:
| 19.00% / 21.22% |
Starting monthly payment:
| $183.28 |
|
Auction yield range:
| 17.04% - 18.00% |
Estimated loss impact:
| 26.00% | | |
Lender servicing fee:
| 1.00% |
Estimated return:
| -8.00% | | |
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan 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 scores:
| |
First credit line:
| Apr-2001 |
Debt/Income ratio:
| 27% |
Basic (1-10):
| 3 |
Inquiries last 6m:
| 2 | Employment status: | Full-time employee |
Enhanced (1-5): | 3 |
Current / open credit lines:
| 18
/
18 | Length of status: | 2y 10m |
Credit score:
| 660-679 (Apr-2010) |
Total credit lines:
| 40 |
Occupation: | Nurse (RN) |
Now delinquent:
| 2 |
Revolving credit balance:
| $6,684 | Stated income: | $50,000-$74,999 |
Amount delinquent:
| $230 |
Bankcard utilization:
| 74% | | |
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| Yes | | |
Delinquencies in last 7y:
| 3 | | | | |
Screen name:
| attentive-return3 |
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
Buying an Engagement Ring
Purpose of loan:
To Expidite the purpose of an engagement ring for the woman of my dreams. ?
My financial situation:
I am a good candidate for this loan because I have a very secure job with an above average steady income. I have no trouble making monthly payments; I just do not have enough cash to buy the ring I have picked out. I could save the money over time but last week my girlfriends father got military orders to deploy to Iraq in 6 weeks. Now time is slipping away and its really important to her (and me) that her Dad is able to be apart of the wedding before he leaves. Please help!!! I thought I had more time, his military deployment has come as a shock to all of us.
Monthly net income:? 4000
Monthly expenses: $
??Housing: $ 1100
??Insurance: $ 90
??Car expenses: $ 300
??Utilities: $ 100
??Phone, cable, internet: $ 75
??Food, entertainment: $ 100
??Clothing, household expenses $ 0
??Credit cards and other loans: $ 200
??Other expenses: $
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
453095
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 aggregate amount of the requested loan.
Amount:
| $4,800.00 |
Prosper Rating:
| D |
Auction Duration:
| 7 days
|
Term:
| 36 months |
Estimated loss:
| 10.0% | | |
| | |
|
Starting lender yield:
| 14.00% |
Starting borrower rate/APR:
| 15.00% / 17.17% |
Starting monthly payment:
| $166.39 |
|
Auction yield range:
| 11.04% - 14.00% |
Estimated loss impact:
| 10.31% | | |
Lender servicing fee:
| 1.00% |
Estimated return:
| 3.69% | | |
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan 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 scores:
| |
First credit line:
| Sep-1998 |
Debt/Income ratio:
| 36% |
Basic (1-10):
| 7 |
Inquiries last 6m:
| 0 | Employment status: | Full-time employee |
Enhanced (1-5): | 5 |
Current / open credit lines:
| 8
/
6 | Length of status: | 4y 4m |
Credit score:
| 680-699 (Apr-2010) |
Total credit lines:
| 28 |
Occupation: | Other |
Now delinquent:
| 0 |
Revolving credit balance:
| $9,223 | Stated income: | $25,000-$49,999 |
Amount delinquent:
| $0 |
Bankcard utilization:
| 91% | | |
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| No | | |
Delinquencies in last 7y:
| 0 | | | | |
Screen name:
| sturdy-investment9 |
Borrower's state:
| NorthCarolina |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Description
Pay off credit card/fix car
Purpose of loan:
There are a couple of reasons why I am requesting this loan. First, I want to pay off one of my high interest credit cards and close the account. I also need some repairs done on one of my vehicles. The third reason is my wife's sister is getting married and she will be the maid of honor. We?live in N.C. and?she lives in P.A. The money left over would be used for the 2-3 trips my family will have to make between N.C. and P.A. for this wedding. ?
My financial situation:
I am a good candidate for this loan because I pay all my bills on time every month. Even though my credit score is not perfect, I have never filed for bankrupcy or had any debts go into collections. My wife and I both have solid jobs and are not in danger of being unemployed. I do have a large amount of school loan debt, but I am currently pursuing my Master's degree and had to apply for federal loans, which are currently deferred due to my current enrollment as a part-time student.
Monthly net income: $ 35,337 myself. This does not include my wife's income.
Monthly expenses: $
??Housing: $ 550/month rent
??Insurance: $ 250/month BCBS
??Car expenses: $?92/month car?insurance
??Utilities: $ included in rent
??Phone, cable, internet: $ 130/month
??Food, entertainment: $ 75/week - approximate grocery bill
??Clothing, household expenses $
??Credit cards and other loans: $ 400/month - approximate
??Other expenses: $
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
453101
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 aggregate amount of the requested loan.
Amount:
| $5,000.00 |
Prosper Rating:
| C |
Auction Duration:
| 7 days
|
Term:
| 36 months |
Estimated loss:
| 8.0% | | |
| | |
|
Starting lender yield:
| 22.68% |
Starting borrower rate/APR:
| 23.68% / 25.97% |
Starting monthly payment:
| $195.33 |
|
Auction yield range:
| 8.04% - 22.68% |
Estimated loss impact:
| 8.54% | | |
Lender servicing fee:
| 1.00% |
Estimated return:
| 14.14% | | |
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan 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 scores:
| |
First credit line:
| Nov-2000 |
Debt/Income ratio:
| 23% |
Basic (1-10):
| 8 |
Inquiries last 6m:
| 2 | Employment status: | Full-time employee |
Enhanced (1-5): | 4 |
Current / open credit lines:
| 14
/
11 | Length of status: | 5y 7m |
Credit score:
| 720-739 (Mar-2010) |
Total credit lines:
| 36 |
Occupation: | Skilled Labor |
Now delinquent:
| 0 |
Revolving credit balance:
| $13,667 | Stated income: | $75,000-$99,999 |
Amount delinquent:
| $0 |
Bankcard utilization:
| 62% | | |
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| Yes | | |
Delinquencies in last 7y:
| 0 | | | | |
Screen name:
| ih8jocks1692 |
Borrower's state:
| Connecticut |
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:
| 21 ( 100% )
| 720-739 (Latest)
|
Principal borrowed:
| $12,000.00 | < mo. late:
| 0
( 0% )
| 740-759
(Oct-2009)
760-779
(Apr-2008)
760-779
(Feb-2008)
|
Principal balance:
| $0.00 |
1+ mo. late:
| 0
( 0% )
|
Total payments billed:
| 21 | | |
Description
credit cards
Purpose of loan:
This loan will be used to?
f8uther my portfolio
My financial situation:
I am a good candidate for this loan because?i have used prosper before and never missed a payment
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
453113
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 aggregate amount of the requested loan.
Amount:
| $25,000.00 |
Prosper Rating:
| C |
Auction Duration:
| 7 days
|
Term:
| 36 months |
Estimated loss:
| 6.2% | | |
| | |
|
Starting lender yield:
| 8.25% |
Starting borrower rate/APR:
| 9.25% / 11.35% |
Starting monthly payment:
| $797.91 |
|
Auction yield range:
| 8.04% - 8.25% |
Estimated loss impact:
| 6.36% | | |
Lender servicing fee:
| 1.00% |
Estimated return:
| 1.89% | | |
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan 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 scores:
| |
First credit line:
| May-1983 |
Debt/Income ratio:
| Self-employed (DTI Not Calculated) |
Basic (1-10):
| 5 |
Inquiries last 6m:
| 0 | Employment status: | Self-employed |
Enhanced (1-5): | 5 |
Current / open credit lines:
| 7
/
6 | Length of status: | 15y 3m |
Credit score:
| 800-819 (Apr-2010) |
Total credit lines:
| 24 |
Occupation: | Professional |
Now delinquent:
| 0 |
Revolving credit balance:
| $18,198 | Stated income: | $50,000-$74,999 |
Amount delinquent:
| $0 |
Bankcard utilization:
| 35% | | |
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| Yes | | |
Delinquencies in last 7y:
| 0 | | | | |
Screen name:
| integrity-point |
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
Delta Deuteron Building Assn.
Purpose of loan:
This loan will be used to support capital projects and maintain the fraternity house for future generations
I am the President of the Delta Deuteron Building Association:
Our fraternity Charge has enjoyed a return to better days. A renaissance of ivy league fraternity life at our great University of California, Berkeley. Visit www.caltdx.blogspot.com to see me and some of our projects and issues, or go to our web site at http://www.caltdx.org to see our progress. I graduated from Cal in 1977.
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
453125
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 aggregate amount of the requested loan.
Amount:
| $1,500.00 |
Prosper Rating:
| HR |
Auction Duration:
| 7 days
|
Term:
| 36 months |
Estimated loss:
| 25.0% | | |
| | |
|
Starting lender yield:
| 29.00% |
Starting borrower rate/APR:
| 30.00% / 32.65% |
Starting monthly payment:
| $63.68 |
|
Auction yield range:
| 17.04% - 29.00% |
Estimated loss impact:
| 26.69% | | |
Lender servicing fee:
| 1.00% |
Estimated return:
| 2.31% | | |
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan 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 scores:
| |
First credit line:
| Dec-1989 |
Debt/Income ratio:
| 7% |
Basic (1-10):
| 2 |
Inquiries last 6m:
| 1 | Employment status: | Full-time employee |
Enhanced (1-5): | 4 |
Current / open credit lines:
| 8
/
5 | Length of status: | 11y 5m |
Credit score:
| 600-619 (Mar-2010) |
Total credit lines:
| 37 |
Occupation: | Civil Service |
Now delinquent:
| 3 |
Revolving credit balance:
| $401 | Stated income: | $50,000-$74,999 |
Amount delinquent:
| $13,889 |
Bankcard utilization:
| 100% | | |
Public records last 12m / 10y:
| 1/ 1 |
Homeownership:
| Yes | | |
Delinquencies in last 7y:
| 37 | | | | |
Screen name:
| Mully84 |
Borrower's state:
| Michigan |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan history | Payment history | Credit score history |
Active / total loans:
| 1 / 1 |
On-time:
| 24 ( 100% )
| 600-619 (Latest)
|
Principal borrowed:
| $3,400.00 | < mo. late:
| 0
( 0% )
| 640-659
(Feb-2008)
|
Principal balance:
| $1,366.73 |
1+ mo. late:
| 0
( 0% )
|
Total payments billed:
| 24 | | |
Description
Stay at home parents - Need help
The purpose of this loan is to pay off one of our cars.? We?ve been working vigorously the past few years to eliminate our debt.??
This loan will reduce our monthly expenses by about $100.00 that we will be able to use elsewhere.???
I have not missed or been late on the previous prosper loan the past 24 months!!
We?re in this situation due to the fact that we decided to have my wife stay home and raise our two children.? She is an elementary school teacher, so the decision to forgo her income was a tough one.? But we feel the right one.? She has been home now five years and we?ve managed to keep our heads above water.? Hopefully she will be returning to teach full time once our youngest reaches first grade (approx. 1 years).????
I have been a homeowner for over 13 years.??
DQ?s:? These are old as we have been able to establish a manageable budget the past years by dealing with these credit companies.
I am employed in County government for over 11 years and make an excellent salary.? My job is extremely stable. ?We?re wonderful people who know that having a good credit history is important so we hope this loan can help us reach that goal.? Having the opportunity for my wife to stay home with the children has been priceless to us.? My wife has also been able to substitute teach on occasion bringing in small helpful income.??
As you can also see, we have not used any other credit cards for over a year.? We use a debit card tied to our checking account to make any and all purchases.? We are totally focused on getting out of debt as soon as possible.
Monthly net income: $3300.00??
Monthly expenses: $2850.00
Housing: $1300.00
Auto: $270.00 (-117.00*)
Utilities: $320.00
Food, misc:$599.00
Ccards: $361.00??
THANK YOU SO MUCH FOR YOUR CONSIDERATION
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
453137
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 aggregate amount of the requested loan.
Amount:
| $2,000.00 |
Prosper Rating:
| D |
Auction Duration:
| 7 days
|
Term:
| 36 months |
Estimated loss:
| 10.0% | | |
| | |
|
Starting lender yield:
| 26.38% |
Starting borrower rate/APR:
| 27.38% / 29.72% |
Starting monthly payment:
| $82.06 |
|
Auction yield range:
| 11.04% - 26.38% |
Estimated loss impact:
| 10.66% | | |
Lender servicing fee:
| 1.00% |
Estimated return:
| 15.72% | | |
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan 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 scores:
| |
First credit line:
| Oct-1992 |
Debt/Income ratio:
| 41% |
Basic (1-10):
| 8 |
Inquiries last 6m:
| 2 | Employment status: | Full-time employee |
Enhanced (1-5): | 3 |
Current / open credit lines:
| 14
/
12 | Length of status: | 7y 5m |
Credit score:
| 640-659 (Apr-2010) |
Total credit lines:
| 26 |
Occupation: | Other |
Now delinquent:
| 0 |
Revolving credit balance:
| $10,879 | Stated income: | $25,000-$49,999 |
Amount delinquent:
| $0 |
Bankcard utilization:
| 55% | | |
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| No | | |
Delinquencies in last 7y:
| 0 | | | | |
Screen name:
| Songbird |
Borrower's state:
| Massachusetts |
Borrower's group:
| BORROWERS - Free instant Listings - LARGEST GROUP |
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan history | Payment history | Credit score history |
Active / total loans:
| 1 / 2 |
On-time:
| 54 ( 100% )
| 640-659 (Latest)
|
Principal borrowed:
| $11,001.00 | < mo. late:
| 0
( 0% )
| 660-679
(Jul-2008)
620-639
(Feb-2008)
600-619
(Nov-2007)
620-639
(Feb-2007)
|
Principal balance:
| $2,655.61 |
1+ mo. late:
| 0
( 0% )
|
Total payments billed:
| 54 | | |
Description
Making our (organic) garden GROW!
Purpose of loan:
This loan will be used to build raised garden
beds for increasing our yield of fresh, organic vegetables! The loan
will cover the cost of all the materials to build the beds, soil and
compost, seeds and plants, berry bushes and tools/equipment to replace
what I have been borrowing or making due without. (We really need a good
wheelbarrow, for example.) If there is money left over from the loan when we're done
with the project, I will put it towards my higher interest debt.
We
have a large property that had been neglected for a long time before we
moved in three years ago. Over the past few seasons we have tamed the
overgrown bushes and flower beds and I grew vegetables wherever I could
in established flower beds. (Yes, those are my radishes in the picture!)
We even got a very nice harvest of blueberries from a couple of bushes
that we nurtured back from the brink. Unfortunately, though, most of the
usable land has very sandy and depleted soil, so raised beds will help
us a great deal. We lost far too many plantings (and money) last year to
poor growing conditions.
As much as I love my local farmers'
market, it's important to me to provide for ourselves this way. It's how
I was raised, and gardening is in my blood. Maybe I'll even take the
urban farming to the next level and try for chickens next year?! :)
My
financial situation:
While I don't own my home, I pay no rent or
household expenses. The home is owned by my parents, who inherited it from my grandfather, and has been in
our family for nearly 100 years. My partner pays the utilities. (And, he
has a home office so part of our expenses are covered by his company.)
We maintain the house in lieu of paying "rent" as we will eventually own
it. We share a car and own it outright. I recently finished paying off
two loans, so I have the money available to make these payments.
My credit rating took a hit recently from some inquiries, a closed account (self-initiated) and high balances w/ no home ownership, so I'm starting at a high interest rate here. BUT, please note: NO delinquencies, NO late payments! My Prosper loan track record is spotless.
Monthly net income:
$ 1720 (after pre-tax contributions for 401k savings, health
savings account, etc.)
Monthly expenses: $1200
??Housing:
$0
? Car/Renters Insurance: $60
??Car expenses: $40 at the most
for gas--I have a blissfully short commute, and partner shares the car
??Utilities:
Partner pays
??Phone, cable, internet: Partner pays
??Food,
entertainment: $200 and partner contributes
??Credit cards, student
and other loans: $900
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
452688
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 aggregate amount of the requested loan.
Amount:
| $1,500.00 |
Prosper Rating:
| C |
Auction Duration:
| 7 days
|
Term:
| 36 months |
Estimated loss:
| 6.5% | | |
| | |
|
Starting lender yield:
| 27.00% |
Starting borrower rate/APR:
| 28.00% / 30.62% |
Starting monthly payment:
| $62.05 |
|
Auction yield range:
| 8.04% - 27.00% |
Estimated loss impact:
| 7.15% | | |
Lender servicing fee:
| 1.00% |
Estimated return:
| 19.85% | | |
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan 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 scores:
| |
First credit line:
| Dec-2006 |
Debt/Income ratio:
| Not calculated |
Basic (1-10):
| 9 |
Inquiries last 6m:
| 1 | Employment status: | Not employed |
Enhanced (1-5): | 4 |
Current / open credit lines:
| 7
/
7 | Length of status: | 0y 5m |
Credit score:
| 680-699 (Mar-2010) |
Total credit lines:
| 7 | Stated income: | Not employed |
Now delinquent:
| 0 |
Revolving credit balance:
| $5,598 | |
Amount delinquent:
| $0 |
Bankcard utilization:
| 39% | | |
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| No | | |
Delinquencies in last 7y:
| 0 | | | | |
Screen name:
| mar12 |
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
Paying my bills
Purpose of loan: To assist in paying my bills and I plan to set aside an extra few hundred just in case I need it while attending school at Motorcycle Mechanics Institute (MMI). This loan isn't much, but it will allow me to get that 'cushion' back that I had to spend during my transition to school.
My financial situation:
I make $1500 a month. I receive life-long compensation for a disability that happened while serving in the Marine Corps. I also receive a living stipend from the government to assist me while attending school. Until I find employment in the Orlando area, I am receiving unemployment compensation for that as well. I am very confident I can make all the monthly payments in a timely matter.
Monthly net income: $
1500
Monthly expenses: $
1293
??Housing: $
372
??Insurance: $
135
??Car expenses: $
241
??Utilities: $
45
??Phone, cable, internet: $
65
??Food, entertainment: $ 100
??Clothing, household expenses $
10
??Credit cards and other loans: $
245
??Other expenses: $ 80
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
452694
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 aggregate amount of the requested loan.
Amount:
| $5,000.00 |
Prosper Rating:
| AA |
Auction Duration:
| 7 days
|
Term:
| 36 months |
Estimated loss:
| 1.5% | | |
| | |
|
Starting lender yield:
| 9.00% |
Starting borrower rate/APR:
| 10.00% / 10.34% |
Starting monthly payment:
| $161.34 |
|
Auction yield range:
| 3.04% - 9.00% |
Estimated loss impact:
| 1.51% | | |
Lender servicing fee:
| 1.00% |
Estimated return:
| 7.49% | | |
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan 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 scores:
| |
First credit line:
| Feb-1996 |
Debt/Income ratio:
| Not calculated |
Basic (1-10):
| 8 |
Inquiries last 6m:
| 1 | Employment status: | Not employed |
Enhanced (1-5): | 5 |
Current / open credit lines:
| 6
/
6 | Length of status: | 1y 1m |
Credit score:
| 840-859 (Mar-2010) |
Total credit lines:
| 30 | Stated income: | Not employed |
Now delinquent:
| 0 |
Revolving credit balance:
| $2,377 | |
Amount delinquent:
| $0 |
Bankcard utilization:
| 5% | | |
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| Yes | | |
Delinquencies in last 7y:
| 0 | | | | |
Screen name:
| community-pole5 |
Borrower's state:
| SouthCarolina |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Description
Business Start up Funding
Dear Friends,
If you are interested in a retail bicycles business concept, we believe you would be interested in making an investment in our bike/multi-sport shop located in Fort Mill, SC. Either you are colleague, or a colleague of a friend or some who is a fitness enthusiast who believes that you might want to partake in this exciting opportunity.
Tailwind Cycles plans to be THE bike store for the South Charlotte/North York County area. With the increasing in population the past few years and excellent school district, along with an added interest in biking and triathlons, and the future development of a velodrome track & bicycle park in local Rock Hill, we really feel that Tailwind Cycles will be quite successful.
The predominant market segment for Tailwind Cycles is the local population of York County, which is primarily focused on Tega Cay, York, Fort Mill and Rock Hill. We will be reaching the market for those individuals that are not only the fitness enthusiast, but also those individuals that are involved in competitive cycling.
The estimated average household income in 2008, within a 5 mile radius of our location is $81,753 with the estimated median household income of $75,324. There was an estimated 23,675 households in 2008 within the 5 mile radius and a projected 29,442 households for 2013.
We also feel there is a need to be involved in the local schools with programs that involve riding safety, general fitness, recreation, & junior development racing. We want to make sure that those involved are properly fitted with equipment and taught the necessary skills to maintain a level of safety on and off the road.
The objectives for Tailwinds Cycles are to be:
? Provide high quality sales and services to our clients.
? Maintain a financially healthy business and validate the trust and advocacy of other people in support of this business purchase.
? Repay the start-up loan provided by private investors within the first 3 years.
? Achieve monthly and yearly sales equal to or better than projected forecasts.
? Focus on daily marketing of new clients and repeat influx to maintain current growth in sales and service revenue.
? Be involved in local events for charitable contributions to members and/or organizations in the community.
Everything is lined up and ready to go with our suppliers! All we need now is your investment. If this is something that intrigues you, please contact us for more information. We have done lengthy research to give you the most knowledge about what you are about to partake in.
We hope to hear from you soon, and really do look forward to speaking with you.
Regards,
Tailwind Cycles & Multisport Management Team
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
452700
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 aggregate amount of the requested loan.
Amount:
| $1,000.00 |
Prosper Rating:
| AA |
Auction Duration:
| 7 days
|
Term:
| 36 months |
Estimated loss:
| 0.6% | | |
| | |
|
Starting lender yield:
| 6.13% |
Starting borrower rate/APR:
| 7.13% / 7.47% |
Starting monthly payment:
| $30.94 |
|
Auction yield range:
| 3.04% - 6.13% |
Estimated loss impact:
| 0.60% | | |
Lender servicing fee:
| 1.00% |
Estimated return:
| 5.53% | | |
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan 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 scores:
| |
First credit line:
| Oct-1998 |
Debt/Income ratio:
| 4% |
Basic (1-10):
| 10 |
Inquiries last 6m:
| 1 | Employment status: | Full-time employee |
Enhanced (1-5): | 5 |
Current / open credit lines:
| 8
/
7 | Length of status: | 4y 1m |
Credit score:
| 800-819 (Apr-2010) |
Total credit lines:
| 28 |
Occupation: | Nurse (RN) |
Now delinquent:
| 0 |
Revolving credit balance:
| $3 | Stated income: | $50,000-$74,999 |
Amount delinquent:
| $0 |
Bankcard utilization:
| 0% | | |
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| No | | |
Delinquencies in last 7y:
| 2 | | | | |
Screen name:
| tynk56 |
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
were getting married!
Purpose of loan: to pay for our wedding
This loan will be used to?
My financial situation:employed full time as an RN
I am a good candidate for this loan because?
have a good credit history, own my own home. Always make payments on time or early
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
452706
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 aggregate amount of the requested loan.
Amount:
| $25,000.00 |
Prosper Rating:
| HR |
Auction Duration:
| 7 days
|
Term:
| 36 months |
Estimated loss:
| 18.0% | | |
| | |
|
Starting lender yield:
| 21.00% |
Starting borrower rate/APR:
| 22.00% / 24.26% |
Starting monthly payment:
| $954.76 |
|
Auction yield range:
| 17.04% - 21.00% |
Estimated loss impact:
| 19.19% | | |
Lender servicing fee:
| 1.00% |
Estimated return:
| 1.81% | | |
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan 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 scores:
| |
First credit line:
| Sep-1996 |
Debt/Income ratio:
| Not calculated |
Basic (1-10):
| 3 |
Inquiries last 6m:
| 0 | Employment status: | Full-time employee |
Enhanced (1-5): | 5 |
Current / open credit lines:
| 5
/
5 | Length of status: | 10y 11m |
Credit score:
| 700-719 (Apr-2010) |
Total credit lines:
| 11 |
Occupation: | Executive |
Now delinquent:
| 0 |
Revolving credit balance:
| $12,372 | Stated income: | $25,000-$49,999 |
Amount delinquent:
| $0 |
Bankcard utilization:
| 63% | | |
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| No | | |
Delinquencies in last 7y:
| 0 | | | | |
Screen name:
| money-kitten215 |
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
Solid Investment
Purpose of loan:
This money will go towards funding my dream wedding. As a fiscally responsible person, I've never had to rely on credit extended by banks. I'm using this site in an effort to ensure my credit worthiness for greater future expenses to come. I would consider myself low risk as I pride myself on having never missed a payment.
My financial situation:
I am a good candidate for this loan because? i?never had problems with banks
Monthly net income: $ 5,800
Monthly expenses: $ 2,600
??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
452712
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 aggregate amount of the requested loan.
Amount:
| $12,000.00 |
Prosper Rating:
| A |
Auction Duration:
| 7 days
|
Term:
| 36 months |
Estimated loss:
| 2.1% | | |
| | |
|
Starting lender yield:
| 9.38% |
Starting borrower rate/APR:
| 10.38% / 12.49% |
Starting monthly payment:
| $389.35 |
|
Auction yield range:
| 4.04% - 9.38% |
Estimated loss impact:
| 2.13% | | |
Lender servicing fee:
| 1.00% |
Estimated return:
| 7.25% | | |
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan 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 scores:
| |
First credit line:
| Mar-1975 |
Debt/Income ratio:
| 20% |
Basic (1-10):
| 9 |
Inquiries last 6m:
| 0 | Employment status: | Full-time employee |
Enhanced (1-5): | 4 |
Current / open credit lines:
| 17
/
15 | Length of status: | 1y 5m |
Credit score:
| 700-719 (Mar-2010) |
Total credit lines:
| 43 |
Occupation: | Professional |
Now delinquent:
| 0 |
Revolving credit balance:
| $103,533 | Stated income: | $100,000+ |
Amount delinquent:
| $0 |
Bankcard utilization:
| 75% | | |
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| No | | |
Delinquencies in last 7y:
| 0 | | | | |
Screen name:
| direct-hope3 |
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
Pay off high interest credit cards
Purpose of loan:
With recent change in credit card company interest rates, I am hopeful to pay off larger interest cards and be in a postion to pay more on those with reasonable rates.? I am hopeful to get ahead of the game instead of staying status quo.
My financial situation:
I am an excellent candidate - I pay all bills on time but wish to better my financial position and have more money available to pay all credit cards to a quicker zero balance.
Monthly net income: $ 7715.73
Monthly expenses: $
??Housing: $ 1458.10
??Insurance: $310.00
??Car expenses: $?574.00
??Utilities: $ 265.00
??Phone, cable, internet: $ 188.00
??Food, entertainment: $?400.00???
??Clothing, household expenses $ 150.00
??Credit cards and other loans: $?2550.00
??Other expenses: $ 150.00
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
452724
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 aggregate amount of the requested loan.
Amount:
| $5,000.00 |
Prosper Rating:
| HR |
Auction Duration:
| 7 days
|
Term:
| 36 months |
Estimated loss:
| 19.0% | | |
| | |
|
Starting lender yield:
| 34.00% |
Starting borrower rate/APR:
| 35.00% / 37.45% |
Starting monthly payment:
| $226.18 |
|
Auction yield range:
| 17.04% - 34.00% |
Estimated loss impact:
| 21.01% | | |
Lender servicing fee:
| 1.00% |
Estimated return:
| 12.99% | | |
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan 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 scores:
| |
First credit line:
| Jul-2006 |
Debt/Income ratio:
| 22% |
Basic (1-10):
| 4 |
Inquiries last 6m:
| 1 | Employment status: | Full-time employee |
Enhanced (1-5): | 2 |
Current / open credit lines:
| 5
/
5 | Length of status: | 4y 3m |
Credit score:
| 620-639 (Mar-2010) |
Total credit lines:
| 7 |
Occupation: | Retail Management |
Now delinquent:
| 0 |
Revolving credit balance:
| $2,320 | Stated income: | $25,000-$49,999 |
Amount delinquent:
| $0 |
Bankcard utilization:
| 100% | | |
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| No | | |
Delinquencies in last 7y:
| 0 | | | | |
Screen name:
| positive_change |
Borrower's state:
| Oregon |
Borrower's group:
| 1st and BEST for Loans |
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:
| 24 ( 96% )
| 620-639 (Latest)
|
Principal borrowed:
| $3,100.00 | < mo. late:
| 1
( 4% )
| 600-619
(Feb-2010)
600-619
(Jan-2010)
520-539
(Jan-2008)
|
Principal balance:
| $1,244.44 |
1+ mo. late:
| 0
( 0% )
|
Total payments billed:
| 25 | | |
Description
RELIST: Just in time for spring
Purpose of loan:
The purpose behind this loan is to consolidate my 1st prosper loan and my 2
credit cards into one monthly payment as well as provide me with a new computer
for school.
My financial situation:
I am a wise investment because, despite what my credit score says, I am very
good at paying my bills. As you can see by my previous prosper loan. The reason
my most recent payment was considered late was because I was short 5 dollars in
my bank account and was getting paid that night, so my bank sent the payment
back and I was charged...but I had never missed a payment before that it was
just one of those once in a blue moon events.
I currently go to school for apparel design, so part of this loan will be used
to purchase a new laptop that is capable of running the design programs
necessary to complete my assignments, the computer i currently have doesn't have the computing power to run the programs i need anymore.
[My school is paid for by student loans]
On top of school I also work full time as a manager for a shoe store As you can see from my previous prosper loan I'm very
good when it comes to making payments, like I said the reason for my high risk
rating is because of my credit card balances, I have no delinquencies and am
very dependable when it comes repaying my debt especially when it is to real
people.By getting this prosper loan I will be able to pay off
both my credit cards, my previous prosper loan and buy a computer for school,
thus consolidating most of my bills into one monthly payment which will make it
easier to keep on top of everything here at the house.
Thank you for taking the time to look at my loan, feel free to ask me any
questions. I appreciate any help you can provide.This is how the money will be used
prosper loan- 1350
credit card 1- 1650
credit card 2- 600
computer- 1200
Monthly expenses: $ 1014.00Monthly income: $1800
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
452730
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 aggregate amount of the requested loan.
Amount:
| $8,500.00 |
Prosper Rating:
| C |
Auction Duration:
| 7 days
|
Term:
| 36 months |
Estimated loss:
| 8.5% | | |
| | |
|
Starting lender yield:
| 27.12% |
Starting borrower rate/APR:
| 28.12% / 30.47% |
Starting monthly payment:
| $352.14 |
|
Auction yield range:
| 8.04% - 27.12% |
Estimated loss impact:
| 9.15% | | |
Lender servicing fee:
| 1.00% |
Estimated return:
| 17.97% | | |
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan 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 scores:
| |
First credit line:
| Sep-1991 |
Debt/Income ratio:
| 43% |
Basic (1-10):
| 4 |
Inquiries last 6m:
| 2 | Employment status: | Full-time employee |
Enhanced (1-5): | 1 |
Current / open credit lines:
| 10
/
9 | Length of status: | 12y 8m |
Credit score:
| 760-779 (Apr-2010) |
Total credit lines:
| 28 |
Occupation: | Truck Driver |
Now delinquent:
| 0 |
Revolving credit balance:
| $32,019 | Stated income: | $25,000-$49,999 |
Amount delinquent:
| $0 |
Bankcard utilization:
| 76% | | |
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| Yes | | |
Delinquencies in last 7y:
| 0 | | | | |
Screen name:
| pughclassic |
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
Paying off high rate credit cards
Purpose of loan:
This loan will be used to? The purpose of this loan is to payoff high interest credit cards. PAYOFF 401K LOAN FROM EMPLOYER
My financial situation:
I am a good candidate for this loan because???I am?never been ?late on credit payment,?I have a steady job for the last thirteen years( same company)Good an responsible person. Credit score is?high own my own house in california. I rather pay the lenders at prosper than pay the credit card company. Paying off my 401k loan early will add more money to my weekly check. I do get paid weekly thank you
MONTHLY INCOME 4100
EXPENSES? 1800
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
452736
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 aggregate amount of the requested loan.
Amount:
| $8,000.00 |
Prosper Rating:
| AA |
Auction Duration:
| 7 days
|
Term:
| 36 months |
Estimated loss:
| 1.5% | | |
| | |
|
Starting lender yield:
| 9.98% |
Starting borrower rate/APR:
| 10.98% / 11.33% |
Starting monthly payment:
| $261.83 |
|
Auction yield range:
| 3.04% - 9.98% |
Estimated loss impact:
| 1.51% | | |
Lender servicing fee:
| 1.00% |
Estimated return:
| 8.47% | | |
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan 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 scores:
| |
First credit line:
| Apr-1993 |
Debt/Income ratio:
| 3% |
Basic (1-10):
| 9 |
Inquiries last 6m:
| 0 | Employment status: | Full-time employee |
Enhanced (1-5): | 5 |
Current / open credit lines:
| 11
/
10 | Length of status: | 8y 6m |
Credit score:
| 800-819 (Mar-2010) |
Total credit lines:
| 40 |
Occupation: | Attorney |
Now delinquent:
| 0 |
Revolving credit balance:
| $12,163 | Stated income: | $100,000+ |
Amount delinquent:
| $0 |
Bankcard utilization:
| 2% | | |
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| Yes | | |
Delinquencies in last 7y:
| 0 | | | | |
Screen name:
| motion752 |
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
Paying off debt from divorce
Purpose of loan:
This loan will be used to pay off bills incurred as the result of divorce?
My financial situation:
I am a good candidate for this loan because:?I?am an attorney?with a stable job and a great income.? My?recent divorce depleted my savings and left me with several thousand dollars of attorneys' fees to pay.? My goal is to get rid of this debt over a fixed period?at a?decent interest rate.
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
452742
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 aggregate amount of the requested loan.
Amount:
| $1,600.00 |
Prosper Rating:
| B |
Auction Duration:
| 7 days
|
Term:
| 36 months |
Estimated loss:
| 5.0% | | |
| | |
|
Starting lender yield:
| 16.10% |
Starting borrower rate/APR:
| 17.10% / 19.39% |
Starting monthly payment:
| $57.12 |
|
Auction yield range:
| 6.04% - 16.10% |
Estimated loss impact:
| 5.28% | | |
Lender servicing fee:
| 1.00% |
Estimated return:
| 10.82% | | |
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan 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 scores:
| |
First credit line:
| Mar-1995 |
Debt/Income ratio:
| 103% |
Basic (1-10):
| 8 |
Inquiries last 6m:
| 0 | Employment status: | Full-time employee |
Enhanced (1-5): | 3 |
Current / open credit lines:
| 10
/
8 | Length of status: | 1y 8m |
Credit score:
| 720-739 (Apr-2010) |
Total credit lines:
| 17 |
Occupation: | Sales - Retail |
Now delinquent:
| 2 |
Revolving credit balance:
| $1,880 | Stated income: | $1-$24,999 |
Amount delinquent:
| $3,158 |
Bankcard utilization:
| 18% | | |
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| Yes | | |
Delinquencies in last 7y:
| 0 | | | | |
Screen name:
| return-protector5 |
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
Need to repair my car
Purpose of loan:
This loan will be used to?
fund the repair of my car that was sideswipped in my apartments while i was asleep. It needs a new door and mirror as well as a right side paint job. Work will be done from an ase certified mechanic
My financial situation:
I am a good candidate for this loan because?I have no debt and no bills except for a 40 dollar cell phone I make 1400 a month but i usually put it into cds or stocks i would rather get a loan here and just pay it off in 4-6 months than pay it all at once
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
452754
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 aggregate amount of the requested loan.
Amount:
| $6,000.00 |
Prosper Rating:
| C |
Auction Duration:
| 7 days
|
Term:
| 36 months |
Estimated loss:
| 7.0% | | |
| | |
|
Starting lender yield:
| 20.93% |
Starting borrower rate/APR:
| 21.93% / 24.19% |
Starting monthly payment:
| $228.93 |
|
Auction yield range:
| 8.04% - 20.93% |
Estimated loss impact:
| 7.49% | | |
Lender servicing fee:
| 1.00% |
Estimated return:
| 13.44% | | |
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan 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 scores:
| |
First credit line:
| Sep-1985 |
Debt/Income ratio:
| 67% |
Basic (1-10):
| 7 |
Inquiries last 6m:
| 3 | Employment status: | Retired |
Enhanced (1-5): | 2 |
Current / open credit lines:
| 12
/
11 | Length of status: | 8y 1m |
Credit score:
| 780-799 (Mar-2010) |
Total credit lines:
| 40 | Stated income: | $25,000-$49,999 |
Now delinquent:
| 0 |
Revolving credit balance:
| $1,724 | |
Amount delinquent:
| $0 |
Bankcard utilization:
| 6% | | |
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| Yes | | |
Delinquencies in last 7y:
| 2 | | | | |
Screen name:
| systematic-worth9 |
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
Bot Trainer
Purpose of loan:
A US Patent has already been awarded and a Prototype is complete.The requested loan will be used for the
material cost and manufacturing of our product.The loan amount will enable me to produce and have ready for sale 4 models for an upcoming event.?
My financial situation:
I am a good candidate for this loan because I have a long established credit
history where I am found to be in good standing with my creditors.I generate my income from my pension plan and social
security insurance.Of which I receive a
guaranteed $27,000 per year.I receive
an additional $7,200 per year from an income property at which I currently
reside.In addition to my financial situation I believe we have a
product in a fast growing market that if adequately funded will prove very lucrative.
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
452760
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 aggregate amount of the requested loan.
Amount:
| $1,050.00 |
Prosper Rating:
| HR |
Auction Duration:
| 7 days
|
Term:
| 36 months |
Estimated loss:
| 18.0% | | |
| | |
|
Starting lender yield:
| 21.51% |
Starting borrower rate/APR:
| 22.51% / 26.16% |
Starting monthly payment:
| $40.38 |
|
Auction yield range:
| 17.04% - 21.51% |
Estimated loss impact:
| 19.22% | | |
Lender servicing fee:
| 1.00% |
Estimated return:
| 2.29% | | |
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan 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 scores:
| |
First credit line:
| Jan-1993 |
Debt/Income ratio:
| Self-employed (DTI Not Calculated) |
Basic (1-10):
| 4 |
Inquiries last 6m:
| 6 | Employment status: | Self-employed |
Enhanced (1-5): | 1 |
Current / open credit lines:
| 22
/
14 | Length of status: | 3y 2m |
Credit score:
| 700-719 (Apr-2010) |
Total credit lines:
| 56 |
Occupation: | Computer Programmer |
Now delinquent:
| 0 |
Revolving credit balance:
| $123,853 | Stated income: | $100,000+ |
Amount delinquent:
| $0 |
Bankcard utilization:
| 92% | | |
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| Yes | | |
Delinquencies in last 7y:
| 0 | | | | |
Screen name:
| repayment-orbit |
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
PAYING OFF A CREIDIT CARD DEBT
Purpose of loan:
This loan pays off a portion of my
Barclay's card debt.
There's
more card debt to be financed at high rates.
Financials:
Credit Card
Debt < 60%?Revolving Debt: $123,853
Explanation Here:HELOCs Could Lower Your Score
ALWAYS CURRENT ON MONTHLY PAYMENTS
High IncomeScore of 710+Monthly net income: $11,341
Monthly expenses $6,530
Housing $4,100
Insurance $140
Car expenses $0 <-Car owned free & clear!
Utilities $150
Phone/cable/internet $120
Food/entertainment $350
Clothing/household expenses $100
Credit cards and other loans $1,370
Other expenses $200
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
452766
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 aggregate amount of the requested loan.
Amount:
| $7,500.00 |
Prosper Rating:
| HR |
Auction Duration:
| 7 days
|
Term:
| 36 months |
Estimated loss:
| 25.0% | | |
| | |
|
Starting lender yield:
| 34.00% |
Starting borrower rate/APR:
| 35.00% / 37.45% |
Starting monthly payment:
| $339.27 |
|
Auction yield range:
| 17.04% - 34.00% |
Estimated loss impact:
| 27.01% | | |
Lender servicing fee:
| 1.00% |
Estimated return:
| 6.99% | | |
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan 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 scores:
| |
First credit line:
| Jun-1993 |
Debt/Income ratio:
| 31% |
Basic (1-10):
| 2 |
Inquiries last 6m:
| 11 | Employment status: | Full-time employee |
Enhanced (1-5): | 3 |
Current / open credit lines:
| 23
/
22 | Length of status: | 1y 7m |
Credit score:
| 680-699 (Mar-2010) |
Total credit lines:
| 59 |
Occupation: | Other |
Now delinquent:
| 0 |
Revolving credit balance:
| $15,528 | Stated income: | $100,000+ |
Amount delinquent:
| $0 |
Bankcard utilization:
| 44% | | |
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| Yes | | |
Delinquencies in last 7y:
| 0 | | | | |
Screen name:
| radiant-principal6 |
Borrower's state:
| Connecticut |
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
Working Capital
Purpose of loan:
This loan will be used to pay off private loans to private lenders at high interest rates.
My financial situation:
I am a good candidate for this loan because I will make the repayments on time and can possibly pay off the loan early.
Monthly net income: $
8750
Monthly expenses: $
??Housing: $ 2250
??Insurance: $
??Car expenses: $
??Utilities: $ 100
??Phone, cable, internet: $ 100
??Food, entertainment: $ 200
??Clothing, household expenses $
??Credit cards and other loans: $ 2251
??Other expenses: $
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
452776
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 aggregate amount of the requested loan.
Amount:
| $4,000.00 |
Prosper Rating:
| C |
Auction Duration:
| 7 days
|
Term:
| 36 months |
Estimated loss:
| 6.5% | | |
| | |
|
Starting lender yield:
| 8.90% |
Starting borrower rate/APR:
| 9.90% / 12.01% |
Starting monthly payment:
| $128.88 |
|
Auction yield range:
| 8.04% - 8.90% |
Estimated loss impact:
| 6.68% | | |
Lender servicing fee:
| 1.00% |
Estimated return:
| 2.22% | | |
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan 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 scores:
| |
First credit line:
| Nov-1994 |
Debt/Income ratio:
| 37% |
Basic (1-10):
| 9 |
Inquiries last 6m:
| 0 | Employment status: | Full-time employee |
Enhanced (1-5): | 3 |
Current / open credit lines:
| 8
/
7 | Length of status: | 4y 7m |
Credit score:
| 680-699 (Apr-2010) |
Total credit lines:
| 28 |
Occupation: | Clerical |
Now delinquent:
| 0 |
Revolving credit balance:
| $45,678 | Stated income: | $25,000-$49,999 |
Amount delinquent:
| $0 |
Bankcard utilization:
| 84% | | |
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| No | | |
Delinquencies in last 7y:
| 0 | | | | |
Screen name:
| thankful-power7 |
Borrower's state:
| RhodeIsland |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Description
Pay off all debt
Purpose of loan:
This loan will be used to?
Pay off Student Loans and credit cards
My financial situation:
I am a good candidate for this loan because I pay all my bills on time and have a good credit score
Monthly net income: $ 2200
Monthly expenses: $
??Housing: $ 600
??Insurance: $ 70
??Car expenses: $
??Utilities: $?50
??Phone, cable, internet: $ 80
??Food, entertainment: $ 240
??Clothing, household expenses $ 80
??Credit cards and other loans: $
??Other expenses: $
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
452794
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 aggregate amount of the requested loan.
Amount:
| $3,700.00 |
Prosper Rating:
| HR |
Auction Duration:
| 7 days
|
Term:
| 36 months |
Estimated loss:
| 19.0% | | |
| | |
|
Starting lender yield:
| 34.00% |
Starting borrower rate/APR:
| 35.00% / 37.45% |
Starting monthly payment:
| $167.37 |
|
Auction yield range:
| 17.04% - 34.00% |
Estimated loss impact:
| 21.01% | | |
Lender servicing fee:
| 1.00% |
Estimated return:
| 12.99% | | |
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan 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 scores:
| |
First credit line:
| May-1990 |
Debt/Income ratio:
| 32% |
Basic (1-10):
| 5 |
Inquiries last 6m:
| 1 | Employment status: | Full-time employee |
Enhanced (1-5): | 2 |
Current / open credit lines:
| 11
/
8 | Length of status: | 21y 5m |
Credit score:
| 620-639 (Mar-2010) |
Total credit lines:
| 21 |
Occupation: | Other |
Now delinquent:
| 1 |
Revolving credit balance:
| $21,375 | Stated income: | $25,000-$49,999 |
Amount delinquent:
| $42 |
Bankcard utilization:
| 96% | | |
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| No | | |
Delinquencies in last 7y:
| 0 | | | | |
Screen name:
| TomDean |
Borrower's state:
| California |
Borrower's group:
| Have Money - Will Bid |
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:
| 30 ( 100% )
| 620-639 (Latest)
|
Principal borrowed:
| $7,000.00 | < mo. late:
| 0
( 0% )
| 620-639
(May-2007)
|
Principal balance:
| $0.00 |
1+ mo. late:
| 0
( 0% )
|
Total payments billed:
| 30 | | |
Description
Credit Card Debt
Hello and thank you for viewing my listing. My credit card companies lowered my available credit as I started to pay them off, which affected my debt/income ratio and credit score.My credit score last time I looked was a little better than Prosper shows,they also have raised my interest rates even though I've always paid them on time. I had some medical bills recently that drove up my debt.
I take very serious my obligations to pay my bills,you have no need to worry.I had a previous prosper loan ($7,000) that I paid off early.
I would use the Prosper Loan to pay off the following: Chase Visa $4254
Job: Pharmacy Technician
I have been at my job for more than 20 years
Monthly Net Income: $2700
Here's my monthly budget with the prosper loan in place:
Monthly Expenses:
-------------------
Rent $900
Car Insurance: $ 70
Gas $100
Credit Cards: $400
Electricity: $ 50
Internet: $ 30
Telephone: $ 35
Groceries: $300
Clothes & Misc. $100
-----------------------------
Total: $1985
I over $700 left over to be used, not only for my Prosper Payment, but for savings and emergencies.
I promise that my payments to Prosper will be my top priority each month. I am going to have Prosper automatically withdraw my payments each month so that everyone, including myself, knows that my payment will be made on time, every time.
Thank you again for viewing my listing??????????? Tom
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
452802
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 aggregate amount of the requested loan.
Amount:
| $7,500.00 |
Prosper Rating:
| HR |
Auction Duration:
| 7 days
|
Term:
| 36 months |
Estimated loss:
| 18.0% | | |
| | |
|
Starting lender yield:
| 18.00% |
Starting borrower rate/APR:
| 19.00% / 21.22% |
Starting monthly payment:
| $274.92 |
|
Auction yield range:
| 17.04% - 18.00% |
Estimated loss impact:
| 19.00% | | |
Lender servicing fee:
| 1.00% |
Estimated return:
| -1.00% | | |
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan 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 scores:
| |
First credit line:
| Feb-1995 |
Debt/Income ratio:
| 35% |
Basic (1-10):
| 3 |
Inquiries last 6m:
| 0 | Employment status: | Full-time employee |
Enhanced (1-5): | 4 |
Current / open credit lines:
| 6
/
6 | Length of status: | 10y 5m |
Credit score:
| 700-719 (Apr-2010) |
Total credit lines:
| 29 |
Occupation: | Other |
Now delinquent:
| 2 |
Revolving credit balance:
| $7,308 | Stated income: | $25,000-$49,999 |
Amount delinquent:
| $1,131 |
Bankcard utilization:
| 85% | | |
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| Yes | | |
Delinquencies in last 7y:
| 5 | | | | |
Screen name:
| gentle-cash0 |
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
paying off stuff
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
452806
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 aggregate amount of the requested loan.
Amount:
| $4,000.00 |
Prosper Rating:
| HR |
Auction Duration:
| 7 days
|
Term:
| 36 months |
Estimated loss:
| 25.0% | | |
| | |
|
Starting lender yield:
| 34.00% |
Starting borrower rate/APR:
| 35.00% / 37.45% |
Starting monthly payment:
| $180.94 |
|
Auction yield range:
| 17.04% - 34.00% |
Estimated loss impact:
| 27.01% | | |
Lender servicing fee:
| 1.00% |
Estimated return:
| 6.99% | | |
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan 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 scores:
| |
First credit line:
| Feb-1989 |
Debt/Income ratio:
| Not calculated |
Basic (1-10):
| 2 |
Inquiries last 6m:
| 0 | Employment status: | Full-time employee |
Enhanced (1-5): | 4 |
Current / open credit lines:
| 5
/
5 | Length of status: | 3y 1m |
Credit score:
| 660-679 (Apr-2010) |
Total credit lines:
| 31 |
Occupation: | Other |
Now delinquent:
| 2 |
Revolving credit balance:
| $7,915 | Stated income: | $75,000-$99,999 |
Amount delinquent:
| $24,911 |
Bankcard utilization:
| 94% | | |
Public records last 12m / 10y:
| 0/ 2 |
Homeownership:
| Yes | | |
Delinquencies in last 7y:
| 18 | | | | |
Screen name:
| Eeshabala |
Borrower's state:
| Georgia |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Description
Need a "new to me"vehicle
Purpose of loan:
This loan will be used to purchase a "new to me" car off of Craigslist. I just need basic transportation, $4000 will work fine for me.
My financial situation:
I am a good candidate for this loan because I have a steady job (never unemployed, fired, or "let go" in 12 years); my ex-wife just left me with a lot of bills to pay, so I couldn't even leverage my old car into a decent new car under Cash for Clunkers. She stopped paying on some co-signed bills after she abruptly divorced me and left 2.5 years ago, and tanked my credit. I would also rather give my interest to normal people rather than too-big-to-fail institutional failures. I am a hard working guy who just got unlucky in marriage the first time around.
I am getting re-married this summer and my wife-to-be is a teacher, providing additional full salary income.
Monthly net income: $
3900
Monthly expenses: $
??Housing: $
1500
??Insurance: $
232/semi annual
??Car expenses: $ depends on what it needs to keep it running
??Utilities: $ 250
??Phone, cable, internet: $
150
??Food, entertainment: $
250
??Clothing, household expenses $
100
??Credit cards and other loans: $ 350
??Other expenses: $
undefinedundefinedundefined
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
452818
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 aggregate amount of the requested loan.
Amount:
| $7,000.00 |
Prosper Rating:
| B |
Auction Duration:
| 7 days
|
Term:
| 36 months |
Estimated loss:
| 5.0% | | |
| | |
|
Starting lender yield:
| 11.00% |
Starting borrower rate/APR:
| 12.00% / 14.13% |
Starting monthly payment:
| $232.50 |
|
Auction yield range:
| 6.04% - 11.00% |
Estimated loss impact:
| 5.18% | | |
Lender servicing fee:
| 1.00% |
Estimated return:
| 5.82% | | |
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan 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 scores:
| |
First credit line:
| Jul-2000 |
Debt/Income ratio:
| 22% |
Basic (1-10):
| 8 |
Inquiries last 6m:
| 0 | Employment status: | Full-time employee |
Enhanced (1-5): | 5 |
Current / open credit lines:
| 7
/
7 | Length of status: | 4y 3m |
Credit score:
| 740-759 (Apr-2010) |
Total credit lines:
| 15 |
Occupation: | Skilled Labor |
Now delinquent:
| 0 |
Revolving credit balance:
| $7,186 | Stated income: | $25,000-$49,999 |
Amount delinquent:
| $0 |
Bankcard utilization:
| 50% | | |
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| Yes | | |
Delinquencies in last 7y:
| 0 | | | | |
Screen name:
| icon040 |
Borrower's state:
| Georgia |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Description
Divorce and Vacation
Purpose of loan:
This loan will be used to pay for my lawyer for my divorce and to?take a vacation when all of this is over.
My financial situation:
I am a good candidate for this loan because I have excellent credit history and?a steady job with reliable income.
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
452824
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 aggregate amount of the requested loan.
Amount:
| $3,000.00 |
Prosper Rating:
| C |
Auction Duration:
| 7 days
|
Term:
| 36 months |
Estimated loss:
| 8.0% | | |
| | |
|
Starting lender yield:
| 29.50% |
Starting borrower rate/APR:
| 30.50% / 32.89% |
Starting monthly payment:
| $128.18 |
|
Auction yield range:
| 8.04% - 29.50% |
Estimated loss impact:
| 8.71% | | |
Lender servicing fee:
| 1.00% |
Estimated return:
| 20.79% | | |
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan 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 scores:
| |
First credit line:
| Jul-2000 |
Debt/Income ratio:
| 557% |
Basic (1-10):
| 8 |
Inquiries last 6m:
| 1 | Employment status: | Full-time employee |
Enhanced (1-5): | 2 |
Current / open credit lines:
| 6
/
6 | Length of status: | 1y 8m |
Credit score:
| 700-719 (Mar-2010) |
Total credit lines:
| 13 |
Occupation: | Teacher |
Now delinquent:
| 0 |
Revolving credit balance:
| $37,204 | Stated income: | $25,000-$49,999 |
Amount delinquent:
| $0 |
Bankcard utilization:
| 96% | | |
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| Yes | | |
Delinquencies in last 7y:
| 0 | | | | |
Screen name:
| ideal-compassion |
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
Credit Card Payoff
Purpose of loan:
I am 23 years old and currently have an American Express card that is linked to my mother's account. I want to use this loan to payoff the credit card because: 1) it has a fairly high interest rate and 2) I am getting married in a month and want to have my strings cut from the family so I don't owe them any money. With the wedding, there has been a lot of unexpected financial burdens. I work hard to pay my bills, but with multiple cards and student loans
it has become increasingly difficult to keep track of what is coming
and going. I love the idea of Prosper and would REALLY appreciate it if people could help me!
My financial situation:
My fiance and I have very solid careers (we are both teachers) and have our Masters degree in education. With the wedding coming up, we are pinching pennies like crazy! The money that you can possibly lend me would help me in ways that are unexplainable! Thank you!!
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
452830
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 aggregate amount of the requested loan.
Amount:
| $3,000.00 |
Prosper Rating:
| C |
Auction Duration:
| 7 days
|
Term:
| 36 months |
Estimated loss:
| 6.5% | | |
| | |
|
Starting lender yield:
| 20.06% |
Starting borrower rate/APR:
| 21.06% / 23.31% |
Starting monthly payment:
| $113.12 |
|
Auction yield range:
| 8.04% - 20.06% |
Estimated loss impact:
| 6.97% | | |
Lender servicing fee:
| 1.00% |
Estimated return:
| 13.09% | | |
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan 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 scores:
| |
First credit line:
| Oct-2006 |
Debt/Income ratio:
| 23% |
Basic (1-10):
| 9 |
Inquiries last 6m:
| 0 | Employment status: | Full-time employee |
Enhanced (1-5): | 3 |
Current / open credit lines:
| 4
/
4 | Length of status: | 2y 4m |
Credit score:
| 680-699 (Apr-2010) |
Total credit lines:
| 5 |
Occupation: | Other |
Now delinquent:
| 0 |
Revolving credit balance:
| $3,543 | Stated income: | $25,000-$49,999 |
Amount delinquent:
| $0 |
Bankcard utilization:
| 45% | | |
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| No | | |
Delinquencies in last 7y:
| 0 | | | | |
Screen name:
| penny-safehouse6 |
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
I need to get through summer term
Purpose of loan:
This loan will be used to help me get through a summer semester. I am a dedicated student, and want to graduate on time. I both work full time, and go to school full time. I am dedicated to each of these responsibilities. If I can take this summer semester, I will be able to graduate Spring 2011, and start graduate school in fall 2011. If I can't take these summer classes, I will graduate Fall 2011, and will have to wait until Fall, 2012 to start graduate school, as most graduate schools only admit students in the fall semesters.
My financial situation:
I am a good candidate for this loan because I am financially responsible. I payed my way through my Associates Degree at the local college. I have proven that I am dedicated to my education, and determined to pay for it. I have had to take out Federal student loans to cover the cost of attending university, as university costs much more than the local college. I would like to pay for this summer semester, but we just can't come up with the money for the tuition costs as quickly as the school is requiring it.
Monthly net income: Together, my wife and I make $4,300.
Monthly expenses: $
??Housing: $
1200
??Insurance: $
275
??Car expenses: $
390
??Utilities: $
150
??Phone, cable, internet: $
150
??Food, entertainment: $
250
??Clothing, household expenses $
150
??Credit cards and other loans: $
100
??Other expenses: $
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
452834
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 aggregate amount of the requested loan.
Amount:
| $2,000.00 |
Prosper Rating:
| AA |
Auction Duration:
| 7 days
|
Term:
| 36 months |
Estimated loss:
| 0.6% | | |
| | |
|
Starting lender yield:
| 8.99% |
Starting borrower rate/APR:
| 9.99% / 10.33% |
Starting monthly payment:
| $64.52 |
|
Auction yield range:
| 3.04% - 8.99% |
Estimated loss impact:
| 0.61% | | |
Lender servicing fee:
| 1.00% |
Estimated return:
| 8.38% | | |
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan 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 scores:
| |
First credit line:
| Dec-2000 |
Debt/Income ratio:
| 24% |
Basic (1-10):
| 10 |
Inquiries last 6m:
| 0 | Employment status: | Full-time employee |
Enhanced (1-5): | 5 |
Current / open credit lines:
| 9
/
9 | Length of status: | 8y 2m |
Credit score:
| 780-799 (Apr-2010) |
Total credit lines:
| 18 |
Occupation: | Military Enlisted |
Now delinquent:
| 0 |
Revolving credit balance:
| $3,417 | Stated income: | $25,000-$49,999 |
Amount delinquent:
| $0 |
Bankcard utilization:
| 11% | | |
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| Yes | | |
Delinquencies in last 7y:
| 0 | | | | |
Screen name:
| boomer5 |
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
Home improvments
Purpose of loan:
This loan will be used to do a couple of things one establish my prosper rating as a borrower and help with a few home improvements around the house.
My financial situation:
I am a good candidate for this loan because I am in the military and I always get a paycheck. I bring in about $6400 a month and expences are about $4000 a month. I will have the payment come directly out of my bank account. I am also a prosper lender and decided to take a loan out to fix up some of the things around the house. I would?also rather do this then try to get a loan from the bank.?I would like to thank you for looking at my loan.
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
452836
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 aggregate amount of the requested loan.
Amount:
| $10,000.00 |
Prosper Rating:
| D |
Auction Duration:
| 7 days
|
Term:
| 36 months |
Estimated loss:
| 10.0% | | |
| | |
|
Starting lender yield:
| 34.00% |
Starting borrower rate/APR:
| 35.00% / 37.45% |
Starting monthly payment:
| $452.36 |
|
Auction yield range:
| 11.04% - 34.00% |
Estimated loss impact:
| 10.87% | | |
Lender servicing fee:
| 1.00% |
Estimated return:
| 23.13% | | |
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan 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 scores:
| |
First credit line:
| Jan-1987 |
Debt/Income ratio:
| Self-employed (DTI Not Calculated) |
Basic (1-10):
| 6 |
Inquiries last 6m:
| 0 | Employment status: | Self-employed |
Enhanced (1-5): | 3 |
Current / open credit lines:
| 8
/
8 | Length of status: | 2y 3m |
Credit score:
| 740-759 (Apr-2010) |
Total credit lines:
| 32 |
Occupation: | Other |
Now delinquent:
| 0 |
Revolving credit balance:
| $109,921 | Stated income: | $100,000+ |
Amount delinquent:
| $0 |
Bankcard utilization:
| 90% | | |
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| Yes | | |
Delinquencies in last 7y:
| 0 | | | | |
Screen name:
| magnificent-credit7 |
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
Inventory for the Wedding season
Purpose of loan:
This loan will be used to??purchase equipment that is needed for inventory. I already own the tents that I need this year, so the money will be used?for tables, chairs, china and a dance floor. I?already have most orders in place, and should be able to pull in $8500-$10,000 in revenue from this inventory purchase. If I re-rent the equipment from another company,?I?keep 10% and the other rental company keeps 90%. If I own the equipment, I keep 100%.
My financial situation:
I am a good candidate for this loan because? I have no late payments....ever. I have a 740 FICO score. I do not have car payments ( I have the titles to both my 2007 Ford Edge and 2005 Cadillac Escalade). I have 25 years in the event rental business. I will be getting my MBA in May 2010 (3.1 average).
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
452842
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 aggregate amount of the requested loan.
Amount:
| $3,000.00 |
Prosper Rating:
| HR |
Auction Duration:
| 7 days
|
Term:
| 36 months |
Estimated loss:
| 25.0% | | |
| | |
|
Starting lender yield:
| 34.00% |
Starting borrower rate/APR:
| 35.00% / 37.45% |
Starting monthly payment:
| $135.71 |
|
Auction yield range:
| 17.04% - 34.00% |
Estimated loss impact:
| 27.01% | | |
Lender servicing fee:
| 1.00% |
Estimated return:
| 6.99% | | |
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan 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 scores:
| |
First credit line:
| Jan-1997 |
Debt/Income ratio:
| 18% |
Basic (1-10):
| 2 |
Inquiries last 6m:
| 3 | Employment status: | Full-time employee |
Enhanced (1-5): | 2 |
Current / open credit lines:
| 7
/
7 | Length of status: | 1y 11m |
Credit score:
| 660-679 (Mar-2010) |
Total credit lines:
| 20 |
Occupation: | Computer Programmer |
Now delinquent:
| 3 |
Revolving credit balance:
| $2,256 | Stated income: | $50,000-$74,999 |
Amount delinquent:
| $11,716 |
Bankcard utilization:
| 93% | | |
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| Yes | | |
Delinquencies in last 7y:
| 1 | | | | |
Screen name:
| FOREX |
Borrower's state:
| Texas |
Borrower's group:
| FUTURE FINANCIAL FREEDOM 1 |
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:
| 14 ( 100% )
| 660-679 (Latest)
|
Principal borrowed:
| $3,000.00 | < mo. late:
| 0
( 0% )
| 520-539
(Jan-2008)
560-579
(Nov-2007)
560-579
(Nov-2006)
|
Principal balance:
| $0.00 |
1+ mo. late:
| 0
( 0% )
|
Total payments billed:
| 14 | | |
Description
Payoff high interest debts
Purpose of loan:
This loan will be used for consolidation some high interest debts
My financial situation:
?My new job which i have been for close to 2 years is 75 miles one way.? I have tried to find another IT job but you know how this economy is doing.? My wife is 7 months pregnant and i just can't see a way to pay off these credit cards and my 401K loan.? It will be easier to consolidate everything to manage my expenses.
Monthly net income: $ 3470
Monthly expenses: $?3380
??Auto / Gas?????????????? 315
? Electric?????????????????? 150
??Internet???????????????? ??119
? Cable\TV????????????? ?? 86
??Cell Phone????????????? 133
??401K????????????????????? 321
??Tan Resort?package?117
?? Water???????????????????? 20
? Mortgage???????????????? 1616
? Groceries???????????????? 250
Credit cards
HSBC Platinum????? 30
?? HSBC Orchard?????? 30
?? Salute card??????????? 16
?? Wal-mart??????????????? 15
?? First Premier????????? 27
?? Chase?????????????????????10
???Capital one?????????????25
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
452848
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 aggregate amount of the requested loan.
Amount:
| $5,000.00 |
Prosper Rating:
| HR |
Auction Duration:
| 7 days
|
Term:
| 36 months |
Estimated loss:
| 18.0% | | |
| | |
|
Starting lender yield:
| 34.00% |
Starting borrower rate/APR:
| 35.00% / 37.45% |
Starting monthly payment:
| $226.18 |
|
Auction yield range:
| 17.04% - 34.00% |
Estimated loss impact:
| 20.01% | | |
Lender servicing fee:
| 1.00% |
Estimated return:
| 13.99% | | |
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan 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 scores:
| |
First credit line:
| Oct-2005 |
Debt/Income ratio:
| 38% |
Basic (1-10):
| 5 |
Inquiries last 6m:
| 2 | Employment status: | Full-time employee |
Enhanced (1-5): | 3 |
Current / open credit lines:
| 4
/
4 | Length of status: | 9y 6m |
Credit score:
| 660-679 (Apr-2010) |
Total credit lines:
| 12 |
Occupation: | Laborer |
Now delinquent:
| 0 |
Revolving credit balance:
| $3,620 | Stated income: | $25,000-$49,999 |
Amount delinquent:
| $0 |
Bankcard utilization:
| 74% | | |
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| No | | |
Delinquencies in last 7y:
| 0 | | | | |
Screen name:
| apricot150 |
Borrower's state:
| NewMexico |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Description
Paying for my education
Purpose of loan:
This loan will be used to buy me a lap top along with books.
My financial situation:
I am a good candidate for this loan because I am a hard worker and know exactly what I want out of this loan! I will put one thousand away as a "safety net".
Monthly net income: $ 1500
Monthly expenses: $
??Housing: $ 0
??Insurance: $ 0
??Car expenses: $100
??Utilities: $ 0
??Phone, cable, internet: $ 90
??Food, entertainment: $ 200
??Clothing, household expenses $ 100
??Credit cards and other loans: $ 300
??Other expenses: $ 0
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
452854
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 aggregate amount of the requested loan.
Amount:
| $5,000.00 |
Prosper Rating:
| E |
Auction Duration:
| 7 days
|
Term:
| 36 months |
Estimated loss:
| 14.0% | | |
| | |
|
Starting lender yield:
| 34.00% |
Starting borrower rate/APR:
| 35.00% / 37.45% |
Starting monthly payment:
| $226.18 |
|
Auction yield range:
| 14.04% - 34.00% |
Estimated loss impact:
| 15.57% | | |
Lender servicing fee:
| 1.00% |
Estimated return:
| 18.43% | | |
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan 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 scores:
| |
First credit line:
| Aug-1989 |
Debt/Income ratio:
| 77% |
Basic (1-10):
| 6 |
Inquiries last 6m:
| 0 | Employment status: | Full-time employee |
Enhanced (1-5): | 3 |
Current / open credit lines:
| 13
/
13 | Length of status: | 14y 3m |
Credit score:
| 640-659 (Mar-2010) |
Total credit lines:
| 29 |
Occupation: | Administrative Assi... |
Now delinquent:
| 0 |
Revolving credit balance:
| $55,982 | Stated income: | $25,000-$49,999 |
Amount delinquent:
| $0 |
Bankcard utilization:
| 98% | | |
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| Yes | | |
Delinquencies in last 7y:
| 0 | | | | |
Screen name:
| warrior359 |
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
paying off credit cards
Purpose of loan:
This loan will be used to?
My financial situation:
I am a good candidate for this loan because?I will make th required repayment?
Monthly net income: $ 1900.00
Monthly expenses: $
??Housing: $ 350.00
??Insurance: $ 100.00
??Car expenses: $ 240.00
??Utilities: $ 100.00
??Phone, cable, internet: $ 100.00
??Food, entertainment: $ 200.00
??Clothing, household expenses $
??Credit cards and other loans: $ 500.00
??Other expenses: $
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
452860
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 aggregate amount of the requested loan.
Amount:
| $7,500.00 |
Prosper Rating:
| HR |
Auction Duration:
| 7 days
|
Term:
| 36 months |
Estimated loss:
| 18.0% | | |
| | |
|
Starting lender yield:
| 17.04% |
Starting borrower rate/APR:
| 18.04% / 20.25% |
Starting monthly payment:
| $271.29 |
|
Auction yield range:
| 17.04% - 17.04% |
Estimated loss impact:
| 18.94% | | |
Lender servicing fee:
| 1.00% |
Estimated return:
| -1.90% | | |
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan 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 scores:
| |
First credit line:
| Jul-2005 |
Debt/Income ratio:
| 25% |
Basic (1-10):
| 5 |
Inquiries last 6m:
| 2 | Employment status: | Full-time employee |
Enhanced (1-5): | 4 |
Current / open credit lines:
| 15
/
14 | Length of status: | 0y 6m |
Credit score:
| 640-659 (Apr-2010) |
Total credit lines:
| 16 |
Occupation: | Professional |
Now delinquent:
| 0 |
Revolving credit balance:
| $1,814 | Stated income: | $50,000-$74,999 |
Amount delinquent:
| $0 |
Bankcard utilization:
| 78% | | |
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| No | | |
Delinquencies in last 7y:
| 0 | | | | |
Screen name:
| beast553 |
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
Buying furniture for new apartment
Purpose of loan:
This loan will be used to buy some furniture to the new apartment I moved into such as a sofa, bed, and remodeling the place.?
I recently graduated from New York University and started working as a Consultant 6 months ago.? When I moved into my new apartment, I was disappointed at furniture that was already there.? Right now I sleep in a air mattress and have no TV nor a sofa.? This loan would help me buy the necessities such as TV, sofa, bed, and some cooking appliances.? I have been paying off student loans and saving up money in small amounts but have not gotten the chance to save up enough to buy all that I need.?
My financial situation:
I am a good candidate for this loan because I have enough steady income to guarantee payment
Monthly net income: $3600
Monthly expenses: $2580
??Housing: $1000
??Insurance: $
??Car expenses: $
??Utilities: $40
??Phone, cable, internet: $40
??Food, entertainment: $400
??Clothing, household expenses $
??Credit cards and other loans: $1100
(from student loans)
??Other expenses: $
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
452896
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 aggregate amount of the requested loan.
Amount:
| $11,000.00 |
Prosper Rating:
| B |
Auction Duration:
| 7 days
|
Term:
| 36 months |
Estimated loss:
| 5.0% | | |
| | |
|
Starting lender yield:
| 8.75% |
Starting borrower rate/APR:
| 9.75% / 11.85% |
Starting monthly payment:
| $353.65 |
|
Auction yield range:
| 6.04% - 8.75% |
Estimated loss impact:
| 5.13% | | |
Lender servicing fee:
| 1.00% |
Estimated return:
| 3.62% | | |
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan 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 scores:
| |
First credit line:
| Nov-1997 |
Debt/Income ratio:
| 11% |
Basic (1-10):
| 8 |
Inquiries last 6m:
| 0 | Employment status: | Full-time employee |
Enhanced (1-5): | 5 |
Current / open credit lines:
| 4
/
4 | Length of status: | 4y 9m |
Credit score:
| 760-779 (Apr-2010) |
Total credit lines:
| 12 |
Occupation: | Other |
Now delinquent:
| 0 |
Revolving credit balance:
| $7,402 | Stated income: | $25,000-$49,999 |
Amount delinquent:
| $0 |
Bankcard utilization:
| 32% | | |
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| No | | |
Delinquencies in last 7y:
| 0 | | | | |
Screen name:
| likeable-power |
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
Paying off credit cards
Purpose of loan:
This loan will be used to pay off my debt incurred mostly from credit cards.
My financial situation:
I am a good candidate for this loan because I am capable of gradually paying off my debt now, but I'm hoping to pay it off sooner by having a lower rate than my credit cards offer.
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
452902
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 aggregate amount of the requested loan.
Amount:
| $4,000.00 |
Prosper Rating:
| D |
Auction Duration:
| 7 days
|
Term:
| 36 months |
Estimated loss:
| 10.0% | | |
| | |
|
Starting lender yield:
| 26.38% |
Starting borrower rate/APR:
| 27.38% / 29.72% |
Starting monthly payment:
| $164.12 |
|
Auction yield range:
| 11.04% - 26.38% |
Estimated loss impact:
| 10.66% | | |
Lender servicing fee:
| 1.00% |
Estimated return:
| 15.72% | | |
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan 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 scores:
| |
First credit line:
| Nov-2000 |
Debt/Income ratio:
| 27% |
Basic (1-10):
| 7 |
Inquiries last 6m:
| 2 | Employment status: | Full-time employee |
Enhanced (1-5): | 3 |
Current / open credit lines:
| 8
/
5 | Length of status: | 4y 4m |
Credit score:
| 660-679 (Mar-2010) |
Total credit lines:
| 12 |
Occupation: | Nurse's Aide |
Now delinquent:
| 0 |
Revolving credit balance:
| $9,860 | Stated income: | $1-$24,999 |
Amount delinquent:
| $0 |
Bankcard utilization:
| 57% | | |
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| No | | |
Delinquencies in last 7y:
| 0 | | | | |
Screen name:
| euro-canary |
Borrower's state:
| NewJersey |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Description
business
I'm borrowing this loan to try help my son gets his tractor trailer license. It's a great paying job and it will be one source of help on paying back this loan along whit me paying it
back. I'm a nurses aid and I make a comfortable enough income to pay off this loan if anything goes wrong. I have always been a good borrower and try to pay my bills every month.
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
452908
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 aggregate amount of the requested loan.
Amount:
| $8,000.00 |
Prosper Rating:
| D |
Auction Duration:
| 7 days
|
Term:
| 36 months |
Estimated loss:
| 10.0% | | |
| | |
|
Starting lender yield:
| 27.38% |
Starting borrower rate/APR:
| 28.38% / 30.73% |
Starting monthly payment:
| $332.55 |
|
Auction yield range:
| 11.04% - 27.38% |
Estimated loss impact:
| 10.68% | | |
Lender servicing fee:
| 1.00% |
Estimated return:
| 16.70% | | |
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan 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 scores:
| |
First credit line:
| Apr-1997 |
Debt/Income ratio:
| 14% |
Basic (1-10):
| 8 |
Inquiries last 6m:
| 3 | Employment status: | Full-time employee |
Enhanced (1-5): | 5 |
Current / open credit lines:
| 9
/
8 | Length of status: | 3y 11m |
Credit score:
| 680-699 (Apr-2010) |
Total credit lines:
| 14 |
Occupation: | Administrative Assi... |
Now delinquent:
| 0 |
Revolving credit balance:
| $2,890 | Stated income: | $75,000-$99,999 |
Amount delinquent:
| $0 |
Bankcard utilization:
| 6% | | |
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| No | | |
Delinquencies in last 7y:
| 5 | | | | |
Screen name:
| wonderous-dinero |
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
Medical Bills and Credit Cards!
Purpose of loan:
This loan will be used to pay off credit card debt and medical bills
My financial situation:
I am a good candidate for this loan because I have a secure job, a good income and I make payments ontime. I would love to get ahead of the game and pay off my cards with high interest rates, have fewer monthly payments and pay off my outstanding medical expenses from a chronic long-term injury.
Monthly net income: $ 3618.32
Monthly expenses: $
1900
??Housing: $
1400
??Insurance: $
??Car expenses: $
80
??Utilities: $
??Phone, cable, internet: $
25
??Food, entertainment: $50
??Clothing, household expenses $100
??Credit cards and other loans: $ 300
??Other expenses: $ 300 +
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
453032
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 aggregate amount of the requested loan.
Amount:
| $8,000.00 |
Prosper Rating:
| HR |
Auction Duration:
| 7 days
|
Term:
| 36 months |
Estimated loss:
| 18.0% | | |
| | |
|
Starting lender yield:
| 26.00% |
Starting borrower rate/APR:
| 27.00% / 29.33% |
Starting monthly payment:
| $326.60 |
|
Auction yield range:
| 17.04% - 26.00% |
Estimated loss impact:
| 19.50% | | |
Lender servicing fee:
| 1.00% |
Estimated return:
| 6.50% | | |
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan 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 scores:
| |
First credit line:
| Jun-1980 |
Debt/Income ratio:
| 537% |
Basic (1-10):
| 4 |
Inquiries last 6m:
| 3 | Employment status: | Full-time employee |
Enhanced (1-5): | 1 |
Current / open credit lines:
| 23
/
19 | Length of status: | 15y 5m |
Credit score:
| 680-699 (Apr-2010) |
Total credit lines:
| 55 |
Occupation: | Executive |
Now delinquent:
| 0 |
Revolving credit balance:
| $56,473 | Stated income: | $25,000-$49,999 |
Amount delinquent:
| $0 |
Bankcard utilization:
| 94% | | |
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| Yes | | |
Delinquencies in last 7y:
| 2 | | | | |
Screen name:
| steady-auction8 |
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
Classic Debt Consolidation
Purpose of loan:
This loan will be used to consolidate debt. I have 4 accounts totaling just under $8,000. By paying these off, I would free up more than $500 of monthly cash flow. By increasing my monthly cash flow, I will be able to apply more?each month on?principle payments to my other debts.
My financial situation:
I am a good candidate for this loan because I have always paid my debts.?In addition,I expect my financial situation to imporve over the next few months after my youngest child graduates from college. I have more than $60,000 in a 401 (k) plan and other business and personal?assets.
Monthly net income: $ 3500.00
Monthly expenses: $
??Housing: $ 1150
??Insurance: $ 100
??Car expenses: $ 100
??Utilities: $ 150
??Phone, cable, internet: $ 100
??Food, entertainment: $ 250
??Clothing, household expenses $ 150
??Credit cards and other loans: $ 1300
??Other expenses: $ 200
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
453038
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 aggregate amount of the requested loan.
Amount:
| $3,000.00 |
Prosper Rating:
| A |
Auction Duration:
| 7 days
|
Term:
| 36 months |
Estimated loss:
| 2.1% | | |
| | |
|
Starting lender yield:
| 8.38% |
Starting borrower rate/APR:
| 9.38% / 11.48% |
Starting monthly payment:
| $95.93 |
|
Auction yield range:
| 4.04% - 8.38% |
Estimated loss impact:
| 2.12% | | |
Lender servicing fee:
| 1.00% |
Estimated return:
| 6.26% | | |
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan 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 scores:
| |
First credit line:
| Dec-2000 |
Debt/Income ratio:
| 30% |
Basic (1-10):
| 9 |
Inquiries last 6m:
| 2 | Employment status: | Full-time employee |
Enhanced (1-5): | 4 |
Current / open credit lines:
| 12
/
8 | Length of status: | 9y 6m |
Credit score:
| 700-719 (Apr-2010) |
Total credit lines:
| 24 |
Occupation: | Other |
Now delinquent:
| 0 |
Revolving credit balance:
| $17,981 | Stated income: | $25,000-$49,999 |
Amount delinquent:
| $0 |
Bankcard utilization:
| 67% | | |
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| No | | |
Delinquencies in last 7y:
| 0 | | | | |
Screen name:
| vigilance-cloud6 |
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
Paying off one of my credit cards
Purpose of loan:
This loan will be used to?
pay off a credit card and help with some small home improvements, since we just purchased a home
My financial situation:
I am a good candidate for this loan because?
I always make my payments on time and I have a solid work history in management with our local government. My focus each and every month is to ensure that our bills are paid before any money goes for anything else.?? I would like to slowly start paying off my credit cards with three year loans, so I will not spend 27 years paying off credit cards like each of my statements tell me.? I would rather give interest to a person who is loaning money to help people than a greedy bank who wants to charge interest for a quarter of a decade.?
Monthly net income: $
4552
Monthly expenses: $
??Housing: $
1027
??Insurance: $
142
??Car expenses: $
475
??Utilities: $
200
??Phone, cable, internet: $
100
??Food, entertainment: $ 500
??Clothing, household expenses $
100
??Credit cards and other loans: $
700
??Other expenses: $
100
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
453056
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 aggregate amount of the requested loan.
Amount:
| $5,000.00 |
Prosper Rating:
| C |
Auction Duration:
| 7 days
|
Term:
| 36 months |
Estimated loss:
| 7.0% | | |
| | |
|
Starting lender yield:
| 20.93% |
Starting borrower rate/APR:
| 21.93% / 24.19% |
Starting monthly payment:
| $190.77 |
|
Auction yield range:
| 8.04% - 20.93% |
Estimated loss impact:
| 7.49% | | |
Lender servicing fee:
| 1.00% |
Estimated return:
| 13.44% | | |
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan 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 scores:
| |
First credit line:
| Jan-1996 |
Debt/Income ratio:
| Not calculated |
Basic (1-10):
| 6 |
Inquiries last 6m:
| 1 | Employment status: | Full-time employee |
Enhanced (1-5): | 5 |
Current / open credit lines:
| 9
/
6 | Length of status: | 9y 5m |
Credit score:
| 780-799 (Apr-2010) |
Total credit lines:
| 25 |
Occupation: | Professional |
Now delinquent:
| 0 |
Revolving credit balance:
| $115 | Stated income: | $50,000-$74,999 |
Amount delinquent:
| $0 |
Bankcard utilization:
| 0% | | |
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| Yes | | |
Delinquencies in last 7y:
| 0 | | | | |
Screen name:
| dreams867 |
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
Reliable job with a 780+ credit sco
Purpose of loan:Hi, Thank you for viewing my listing! My wife and I would like to make some upgrades on our house to improve the overall value of our home.
My financial situation:
I am a good candidate for this loan because my wife and I both have stable jobs. We have a combined household income of about 110k/yr. My mortgage payments total about $1500 a month. My other monthly expenses include:
-80 family cell phone plan
-350 utilities
-100 cable tv
-60 internet
-300 groceries
As you can see I am more than qualified to re-pay this loan. Thank you for your time and consideration!
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
453062
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 aggregate amount of the requested loan.
Amount:
| $3,500.00 |
Prosper Rating:
| D |
Auction Duration:
| 7 days
|
Term:
| 36 months |
Estimated loss:
| 10.0% | | |
| | |
|
Starting lender yield:
| 18.99% |
Starting borrower rate/APR:
| 19.99% / 22.23% |
Starting monthly payment:
| $130.05 |
|
Auction yield range:
| 11.04% - 18.99% |
Estimated loss impact:
| 10.45% | | |
Lender servicing fee:
| 1.00% |
Estimated return:
| 8.54% | | |
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan 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 scores:
| |
First credit line:
| Apr-1999 |
Debt/Income ratio:
| 45% |
Basic (1-10):
| 7 |
Inquiries last 6m:
| 0 | Employment status: | Full-time employee |
Enhanced (1-5): | 3 |
Current / open credit lines:
| 14
/
13 | Length of status: | 8y 0m |
Credit score:
| 700-719 (Mar-2010) |
Total credit lines:
| 27 |
Occupation: | Architect |
Now delinquent:
| 0 |
Revolving credit balance:
| $26,770 | Stated income: | $50,000-$74,999 |
Amount delinquent:
| $0 |
Bankcard utilization:
| 86% | | |
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| Yes | | |
Delinquencies in last 7y:
| 0 | | | | |
Screen name:
| abraxas1 |
Borrower's state:
| NewJersey |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan history | Payment history | Credit score history |
Active / total loans:
| 0 / 1 |
On-time:
| 19 ( 100% )
| 700-719 (Latest)
|
Principal borrowed:
| $7,000.00 | < mo. late:
| 0
( 0% )
| 700-719
(Feb-2010)
680-699
(Apr-2008)
|
Principal balance:
| $0.00 |
1+ mo. late:
| 0
( 0% )
|
Total payments billed:
| 19 | | |
Description
Paying the tax man
Purpose of loan: Owe taxes for the first time this year due to inadequate withholding. Owe state taxes of $2000, plus would like to pay off other miscellaneous bills. usually it would not be an issue, but just recently paid off my prosper and lending club loans, with my liquid funds.
My financial situation: I am a good candidate for this loan because I have been employed in a stable job with a good salary for years now. We have money saved for emergencies and I also contribute to a 401K loan which is available if necessary but i would rather not touch these funds right now .
Monthly net income: $ 7200
Monthly expenses: Housing: $ 2575, Car Insurance: $ 250 Car loans (2): $ 700, Utilities: $ 380 Home phone, cable, internet and wireless family plan: $230 Groceries: $300 Credit cards and other loans: $ 1507, Gasoline $400, Insurance $238
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
453068
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 aggregate amount of the requested loan.
Amount:
| $15,000.00 |
Prosper Rating:
| D |
Auction Duration:
| 7 days
|
Term:
| 36 months |
Estimated loss:
| 10.0% | | |
| | |
|
Starting lender yield:
| 28.38% |
Starting borrower rate/APR:
| 29.38% / 31.75% |
Starting monthly payment:
| $631.69 |
|
Auction yield range:
| 11.04% - 28.38% |
Estimated loss impact:
| 10.71% | | |
Lender servicing fee:
| 1.00% |
Estimated return:
| 17.67% | | |
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan 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 scores:
| |
First credit line:
| Jan-2001 |
Debt/Income ratio:
| 72% |
Basic (1-10):
| 6 |
Inquiries last 6m:
| 0 | Employment status: | Full-time employee |
Enhanced (1-5): | 5 |
Current / open credit lines:
| 9
/
8 | Length of status: | 1y 0m |
Credit score:
| 700-719 (Apr-2010) |
Total credit lines:
| 16 |
Occupation: | Computer Programmer |
Now delinquent:
| 0 |
Revolving credit balance:
| $11,281 | Stated income: | $25,000-$49,999 |
Amount delinquent:
| $0 |
Bankcard utilization:
| 49% | | |
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| No | | |
Delinquencies in last 7y:
| 0 | | | | |
Screen name:
| Traderising |
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.
Prosper Activity
Loan history | Payment history | Credit score history |
Active / total loans:
| 1 / 1 |
On-time:
| 19 ( 95% )
| 700-719 (Latest)
|
Principal borrowed:
| $15,000.00 | < mo. late:
| 1
( 5% )
| 680-699
(Jun-2008)
|
Principal balance:
| $7,567.47 |
1+ mo. late:
| 0
( 0% )
|
Total payments billed:
| 20 | | |
Description
Finance a hot new IPO
For the past year I've worked solidly on building my product and business.
My income would have been much higher if I had paid myself a salary from the business?-no point because I would have had to pay additional tax on my own money.
I'm a great candidate because I have good credit, pay my debts, and have never missed a payment.
I will pay back the loan by selling stock in my company to investors--an Initial Private Offering--or from revenue through sales of my product, whichever comes first.
You have to see the value I have built into the business to understand why people would keenly invest.? I can easily raise cash through selling stock to investors--but I need customers to get a good deal, hence the purpose of this loan.
I am a current CFA program candidate.? I know how to put money to good use.
I invite and encourage you to visit our site, try the product, and read more about this loan application.
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
453074
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 aggregate amount of the requested loan.
Amount:
| $7,500.00 |
Prosper Rating:
| HR |
Auction Duration:
| 7 days
|
Term:
| 36 months |
Estimated loss:
| 34.5% | | |
| | |
|
Starting lender yield:
| 29.00% |
Starting borrower rate/APR:
| 30.00% / 32.38% |
Starting monthly payment:
| $318.39 |
|
Auction yield range:
| 17.04% - 29.00% |
Estimated loss impact:
| 36.19% | | |
Lender servicing fee:
| 1.00% |
Estimated return:
| -7.19% | | |
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan 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 scores:
| |
First credit line:
| Jun-2002 |
Debt/Income ratio:
| 49% |
Basic (1-10):
| 1 |
Inquiries last 6m:
| 5 | Employment status: | Full-time employee |
Enhanced (1-5): | 1 |
Current / open credit lines:
| 13
/
13 | Length of status: | 0y 5m |
Credit score:
| 640-659 (Mar-2010) |
Total credit lines:
| 23 |
Occupation: | Analyst |
Now delinquent:
| 1 |
Revolving credit balance:
| $11,935 | Stated income: | $25,000-$49,999 |
Amount delinquent:
| $148 |
Bankcard utilization:
| 79% | | |
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| No | | |
Delinquencies in last 7y:
| 0 | | | | |
Screen name:
| appetizing-liberty |
Borrower's state:
| Texas |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Description
Debt Consolidation
Purpose of loan:
This loan will be used to pay credit cards and lower monthly payment
My financial situation:
I am a good candidate for this loan because i have always paid notes as agreed.?
Monthly net income: $
2500
Monthly expenses: $
??Housing: $
??Insurance: $
??Car expenses: $
??Utilities: $ 80????
??Phone, cable, internet: $60
??Food, entertainment: $ 50
??Clothing, household expenses $
??Credit cards and other loans: $800
??Other expenses: $
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
453086
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 aggregate amount of the requested loan.
Amount:
| $8,000.00 |
Prosper Rating:
| D |
Auction Duration:
| 7 days
|
Term:
| 36 months |
Estimated loss:
| 10.0% | | |
| | |
|
Starting lender yield:
| 19.00% |
Starting borrower rate/APR:
| 20.00% / 22.24% |
Starting monthly payment:
| $297.31 |
|
Auction yield range:
| 11.04% - 19.00% |
Estimated loss impact:
| 10.45% | | |
Lender servicing fee:
| 1.00% |
Estimated return:
| 8.55% | | |
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan 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 scores:
| |
First credit line:
| Jul-1994 |
Debt/Income ratio:
| 18% |
Basic (1-10):
| 7 |
Inquiries last 6m:
| 0 | Employment status: | Full-time employee |
Enhanced (1-5): | 5 |
Current / open credit lines:
| 7
/
6 | Length of status: | 4y 10m |
Credit score:
| 740-759 (Mar-2010) |
Total credit lines:
| 45 |
Occupation: | Professional |
Now delinquent:
| 0 |
Revolving credit balance:
| $6,629 | Stated income: | $75,000-$99,999 |
Amount delinquent:
| $0 |
Bankcard utilization:
| 82% | | |
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| Yes | | |
Delinquencies in last 7y:
| 0 | | | | |
Screen name:
| rhightower4 |
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.
Prosper Activity
Loan history | Payment history | Credit score history |
Active / total loans:
| 0 / 3 |
On-time:
| 23 ( 100% )
| 740-759 (Latest)
|
Principal borrowed:
| $24,250.00 | < mo. late:
| 0
( 0% )
| 780-799
(Aug-2009)
640-659
(Nov-2007)
700-719
(Jan-2007)
660-679
(May-2006)
|
Principal balance:
| $0.00 |
1+ mo. late:
| 0
( 0% )
|
Total payments billed:
| 23 | | |
Description
Working Capital
Hello,
Thank you for looking at this request.? I have a full time job as a commercial banker as well as have a partnership in a roofing, siding, and construction company.? We have just been awarded a contract to repair two?commercial property?roofs owned and managed by the same company.? This money will help in covering initial expenses as well as labor costs until our draws come in as we progress on the completion.? I have used this site before and have never been late or missed a payment.
My debt to income is incorrect on this site as it does not account for my company income.? I am an honest hardworking person that has never been late or missed a payment on ANY financial obligations.? Thanks again for your support.
Best Regards
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
453092
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 aggregate amount of the requested loan.
Amount:
| $6,000.00 |
Prosper Rating:
| HR |
Auction Duration:
| 7 days
|
Term:
| 36 months |
Estimated loss:
| 25.0% | | |
| | |
|
Starting lender yield:
| 24.00% |
Starting borrower rate/APR:
| 25.00% / 27.31% |
Starting monthly payment:
| $238.56 |
|
Auction yield range:
| 17.04% - 24.00% |
Estimated loss impact:
| 26.38% | | |
Lender servicing fee:
| 1.00% |
Estimated return:
| -2.38% | | |
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan 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 scores:
| |
First credit line:
| Dec-2002 |
Debt/Income ratio:
| Not calculated |
Basic (1-10):
| 2 |
Inquiries last 6m:
| 1 | Employment status: | Part-time employee |
Enhanced (1-5): | 4 |
Current / open credit lines:
| 2
/
2 | Length of status: | 0y 5m |
Credit score:
| 700-719 (Apr-2010) |
Total credit lines:
| 10 |
Occupation: | Other |
Now delinquent:
| 1 |
Revolving credit balance:
| $88 | Stated income: | $25,000-$49,999 |
Amount delinquent:
| $634 |
Bankcard utilization:
| 17% | | |
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| No | | |
Delinquencies in last 7y:
| 7 | | | | |
Screen name:
| new-focused-balance |
Borrower's state:
| Arizona |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Description
No CC Debt = Full Time Student
Purpose of loan:
This loan will be used to consolidate my?credit card? and my?medical bills?accounts to a manageable rate.
With this loan I will be able to become a full time student?in the?fall and GRADUATE in Decmber 2010.
My financial situation:
This loan will cut my monthly debt payment in half. With a lower payment I can attend school full time.
I am a good candidate for this loan because???
I am a good candidate for this loan because I feel I'm pretty good with my?money.? I consistently make timely payments on all my bills.? I always check my monthly statements and regularly check my credit report, I also have very stable enpolyment?history.?My credit?score in in the 700's
?I appreciate your support as?I strive to?become debt?free and reach my personal and financial goals?!!
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
453098
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 aggregate amount of the requested loan.
Amount:
| $15,000.00 |
Prosper Rating:
| HR |
Auction Duration:
| 7 days
|
Term:
| 36 months |
Estimated loss:
| 34.5% | | |
| | |
|
Starting lender yield:
| 34.00% |
Starting borrower rate/APR:
| 35.00% / 37.45% |
Starting monthly payment:
| $678.54 |
|
Auction yield range:
| 17.04% - 34.00% |
Estimated loss impact:
| 36.51% | | |
Lender servicing fee:
| 1.00% |
Estimated return:
| -2.51% | | |
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan 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 scores:
| |
First credit line:
| Mar-2002 |
Debt/Income ratio:
| 277% |
Basic (1-10):
| 1 |
Inquiries last 6m:
| 4 | Employment status: | Full-time employee |
Enhanced (1-5): | 2 |
Current / open credit lines:
| 11
/
8 | Length of status: | 7y 3m |
Credit score:
| 680-699 (Apr-2010) |
Total credit lines:
| 30 |
Occupation: | Executive |
Now delinquent:
| 0 |
Revolving credit balance:
| $3,199 | Stated income: | $1-$24,999 |
Amount delinquent:
| $0 |
Bankcard utilization:
| 37% | | |
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| No | | |
Delinquencies in last 7y:
| 0 | | | | |
Screen name:
| market-mogul2 |
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
dream wedding
Purpose of loan:
This loan will be used to?pay for wedding
My financial situation:very stable
I am a good candidate for this loan because?I repay all my debts on time
Monthly net income: $ 10000
Monthly expenses: $ 6000
??Housing: $1000
??Insurance: $200
??Car expenses: $400
??Utilities: $400
??Phone, cable, internet: $200
??Food, entertainment: $800
??Clothing, household expenses $500
??Credit cards and other loans: $1000
??Other expenses: $1500
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
453104
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 aggregate amount of the requested loan.
Amount:
| $2,500.00 |
Prosper Rating:
| E |
Auction Duration:
| 7 days
|
Term:
| 36 months |
Estimated loss:
| 14.0% | | |
| | |
|
Starting lender yield:
| 34.00% |
Starting borrower rate/APR:
| 35.00% / 37.45% |
Starting monthly payment:
| $113.09 |
|
Auction yield range:
| 14.04% - 34.00% |
Estimated loss impact:
| 15.57% | | |
Lender servicing fee:
| 1.00% |
Estimated return:
| 18.43% | | |
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan 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 scores:
| |
First credit line:
| Aug-2001 |
Debt/Income ratio:
| 25% |
Basic (1-10):
| 6 |
Inquiries last 6m:
| 0 | Employment status: | Full-time employee |
Enhanced (1-5): | 4 |
Current / open credit lines:
| 6
/
6 | Length of status: | 2y 8m |
Credit score:
| 660-679 (Apr-2010) |
Total credit lines:
| 23 |
Occupation: | Truck Driver |
Now delinquent:
| 1 |
Revolving credit balance:
| $939 | Stated income: | $25,000-$49,999 |
Amount delinquent:
| $518 |
Bankcard utilization:
| 32% | | |
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| No | | |
Delinquencies in last 7y:
| 6 | | | | |
Screen name:
| diverse-point |
Borrower's state:
| Alabama |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Description
repairs
Purpose of loan:
repair my car
My financial situation:
I am a good candidate for this loan because despite my credit i am rebuilding and paying off all creditors and in three years i hope to be dealt free
Monthly net income: $ 2200
Monthly expenses: $
??Housing: $0
??Insurance: $90
??Car expenses: $230.93
??Utilities: $
??Phone, cable, internet: $
??Food, entertainment: $200
??Clothing, household expenses $
??Credit cards and other loans: $350
??Other expenses: $
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
453116
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 aggregate amount of the requested loan.
Amount:
| $2,000.00 |
Prosper Rating:
| D |
Auction Duration:
| 7 days
|
Term:
| 36 months |
Estimated loss:
| 10.0% | | |
| | |
|
Starting lender yield:
| 26.38% |
Starting borrower rate/APR:
| 27.38% / 29.72% |
Starting monthly payment:
| $82.06 |
|
Auction yield range:
| 11.04% - 26.38% |
Estimated loss impact:
| 10.66% | | |
Lender servicing fee:
| 1.00% |
Estimated return:
| 15.72% | | |
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan 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 scores:
| |
First credit line:
| Oct-1996 |
Debt/Income ratio:
| Not calculated |
Basic (1-10):
| 6 |
Inquiries last 6m:
| 2 | Employment status: | Full-time employee |
Enhanced (1-5): | 3 |
Current / open credit lines:
| 10
/
9 | Length of status: | 1y 6m |
Credit score:
| 700-719 (Apr-2010) |
Total credit lines:
| 41 |
Occupation: | Professional |
Now delinquent:
| 0 |
Revolving credit balance:
| $3,908 | Stated income: | $50,000-$74,999 |
Amount delinquent:
| $0 |
Bankcard utilization:
| 71% | | |
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| Yes | | |
Delinquencies in last 7y:
| 1 | | | | |
Screen name:
| brownmoose_com |
Borrower's state:
| Maryland |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan history | Payment history | Credit score history |
Active / total loans:
| 0 / 3 |
On-time:
| 23 ( 100% )
| 700-719 (Latest)
|
Principal borrowed:
| $8,001.00 | < mo. late:
| 0
( 0% )
| 700-719
(Jan-2010)
720-739
(Aug-2009)
(Mar-2006)
|
Principal balance:
| $0.00 |
1+ mo. late:
| 0
( 0% )
|
Total payments billed:
| 23 | | |
Description
The safest D you'll find
Greetings!? We will be paying down down debt with the loan proceeds.? As both a lender and borrower, I know how hard it is to find reliable, steady investments.? We have never missed a Prosper payment and don't intend to start anytime soon.? To date, we've borrowed over $8000 over 3 loans, and have faithfully paid back each loan plus interest.
Thank you!?
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
453122
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 aggregate amount of the requested loan.
Amount:
| $7,500.00 |
Prosper Rating:
| C |
Auction Duration:
| 7 days
|
Term:
| 36 months |
Estimated loss:
| 7.0% | | |
| | |
|
Starting lender yield:
| 21.93% |
Starting borrower rate/APR:
| 22.93% / 25.21% |
Starting monthly payment:
| $290.05 |
|
Auction yield range:
| 8.04% - 21.93% |
Estimated loss impact:
| 7.52% | | |
Lender servicing fee:
| 1.00% |
Estimated return:
| 14.41% | | |
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan 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 scores:
| |
First credit line:
| Apr-1965 |
Debt/Income ratio:
| 8% |
Basic (1-10):
| 7 |
Inquiries last 6m:
| 2 | Employment status: | Full-time employee |
Enhanced (1-5): | 5 |
Current / open credit lines:
| 16
/
16 | Length of status: | 2y 6m |
Credit score:
| 760-779 (Apr-2010) |
Total credit lines:
| 39 |
Occupation: | Other |
Now delinquent:
| 0 |
Revolving credit balance:
| $26,631 | Stated income: | $100,000+ |
Amount delinquent:
| $0 |
Bankcard utilization:
| 89% | | |
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| Yes | | |
Delinquencies in last 7y:
| 0 | | | | |
Screen name:
| return-emperor1 |
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
Pay off Private Note
Purpose of loan:
This loan will be used to pay off a private note from a private lender.
My financial situation:
I am a good candidate for this loan because I will make the payments on time and may be able to pay the loan off early.
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
453128
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 aggregate amount of the requested loan.
Amount:
| $4,000.00 |
Prosper Rating:
| HR |
Auction Duration:
| 7 days
|
Term:
| 36 months |
Estimated loss:
| 18.0% | | |
| | |
|
Starting lender yield:
| 18.00% |
Starting borrower rate/APR:
| 19.00% / 21.22% |
Starting monthly payment:
| $146.62 |
|
Auction yield range:
| 17.04% - 18.00% |
Estimated loss impact:
| 19.00% | | |
Lender servicing fee:
| 1.00% |
Estimated return:
| -1.00% | | |
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan 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 scores:
| |
First credit line:
| May-1997 |
Debt/Income ratio:
| 41% |
Basic (1-10):
| 5 |
Inquiries last 6m:
| 2 | Employment status: | Full-time employee |
Enhanced (1-5): | 3 |
Current / open credit lines:
| 9
/
7 | Length of status: | 8y 3m |
Credit score:
| 740-759 (Apr-2010) |
Total credit lines:
| 19 |
Occupation: | Police Officer/Corr... |
Now delinquent:
| 0 |
Revolving credit balance:
| $426 | Stated income: | $25,000-$49,999 |
Amount delinquent:
| $0 |
Bankcard utilization:
| 14% | | |
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| Yes | | |
Delinquencies in last 7y:
| 0 | | | | |
Screen name:
| unforgettable-silver1 |
Borrower's state:
| Washington |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Description
sunroon sensation
I live in a country setting. I't would be nice to sit in my new sunroom and enjoy the outdoors at the same time during any season. watching the birds year ronnd and the weather changes will be wonderful?
My financial situation:
I am a good candidate for this loan because? I am employed by the state of Washington and I've never defaulted on my responsibilities. my bills are my nuber one priority.
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
453140
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 aggregate amount of the requested loan.
Amount:
| $15,000.00 |
Prosper Rating:
| HR |
Auction Duration:
| 7 days
|
Term:
| 36 months |
Estimated loss:
| 34.5% | | |
| | |
|
Starting lender yield:
| 24.00% |
Starting borrower rate/APR:
| 25.00% / 27.31% |
Starting monthly payment:
| $596.40 |
|
Auction yield range:
| 17.04% - 24.00% |
Estimated loss impact:
| 35.88% | | |
Lender servicing fee:
| 1.00% |
Estimated return:
| -11.88% | | |
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan 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 scores:
| |
First credit line:
| Aug-1991 |
Debt/Income ratio:
| Self-employed (DTI Not Calculated) |
Basic (1-10):
| 1 |
Inquiries last 6m:
| 3 | Employment status: | Self-employed |
Enhanced (1-5): | 1 |
Current / open credit lines:
| 7
/
7 | Length of status: | 12y 10m |
Credit score:
| 640-659 (Apr-2010) |
Total credit lines:
| 29 |
Occupation: | Realtor |
Now delinquent:
| 0 |
Revolving credit balance:
| $0 | Stated income: | $100,000+ |
Amount delinquent:
| $0 |
Bankcard utilization:
| 0% | | |
Public records last 12m / 10y:
| 0/ 2 |
Homeownership:
| Yes | | |
Delinquencies in last 7y:
| 37 | | | | |
Screen name:
| playitforward |
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
Television & Web Advertising
Purpose of loan:
This loan will be used to buy 4 months of TV ads during peak Real Estate buying and selling months (April - August). Time is critical to the campaing because of the current tax credit for home buyers which will expire 4/30/2010.
About the company:
Flat Fee Realty offers homeowners multiple service options instead of the ?one size fits all? commission based real estate marketing. Flat Fee Realty provides real estate services based on the service provided, not just the purchase price of the home. Our service options provide sellers with?significant savings over traditional commission-based Real Estate marketing. When a client list their home with Flat Fee Realty, a licensed Realtor will place?the home on the MLS for a low up-front fee of $599.00. This?Basic Listing program allows?clients to retain more of their equity while also providing the informed directional support ?Discount Listing? web sites don?t offer. We meet clients in person to see the property first hand to discuss?their goals and requirements.? We make sure the MLS listing information is accurate and professional, with high-quality photos and information that will attract both buyers and other Real Estate Brokers. We make ourselves available to answer questions, prepare & present documents, review settlement statements and attend the closing as required by state law. After 4 years in operation with?no marketing Indianapolis, IN area homeowners are just starting to learn about and welcome?our new way of representation.?
My financial situation:
I am a good candidate for this loan because Flat Fee Realty is poised for explosive growth after proper marketing and advertising. I am also a seasoned businessman who has run a number of successful businesses from start-up and I have lots of positive feedback regarding the potential growth of the business.
Information in the Description is not verified.