Listing Report:Supplement No. 245 dated May 21, 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
457718
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:
| 14.50% |
Starting borrower rate/APR:
| 15.50% / 17.92% |
Starting monthly payment:
| $52.37 |
| |
|
Auction yield range:
| 10.99% - 14.50% |
Estimated loss impact:
| 10.33% | | |
|
Lender servicing fee:
| 1.00% |
Estimated return:
| 4.17% | | |
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-2005 |
Debt/Income ratio:
| 9% |
|
Basic (1-10):
| 8 |
Inquiries last 6m:
| 3 | Employment status: | Full-time employee |
| Enhanced (1-5): | 4 |
Current / open credit lines:
| 4
/
4 | Length of status: | 0y 8m |
|
Credit score:
| 660-679 (May-2010) |
Total credit lines:
| 7 |
Occupation: | Executive |
|
Now delinquent:
| 0 |
Revolving credit balance:
| $1,048 | Stated income: | $25,000-$49,999 |
|
Amount delinquent:
| $0 |
Bankcard utilization:
| 46% | | |
|
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| Yes | | |
|
Delinquencies in last 7y:
| 0 | | | | |
|
Screen name:
| nasko |
Borrower's state:
| Colorado |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
| Loan history | Payment history | Credit score history |
|
Active / total loans:
| 0 / 1 |
On-time:
| 10 ( 100% )
| 660-679 (Latest)
|
|
Principal borrowed:
| $2,500.00 | < 31 days late:
| 0
( 0% )
| 700-719
(May-2008)
|
|
Principal balance:
| $0.00 |
31+ days late:
| 0
( 0% )
|
|
Total payments billed:
| 10 | | |
Description
My loan for debt consolidation
I need to consolidate some small debts and need a loan from Prosper to do that. I used Prosper before and will make sure that my payments are made on time! I recently got a little raise and this will allow me to take care of the monthly payments!
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
458126
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:
| $7,600.00 |
Prosper Rating:
| HR |
Auction Duration:
| 7 days
|
|
Term:
| 36 months |
Estimated loss:
| 18.0% | | |
| | | |
|
|
Starting lender yield:
| 16.99% |
Starting borrower rate/APR:
| 17.99% / 20.20% |
Starting monthly payment:
| $274.72 |
| |
|
Auction yield range:
| 16.99% - 16.99% |
Estimated loss impact:
| 18.94% | | |
|
Lender servicing fee:
| 1.00% |
Estimated return:
| -1.95% | | |
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-1998 |
Debt/Income ratio:
| 33% |
|
Basic (1-10):
| 5 |
Inquiries last 6m:
| 0 | Employment status: | Full-time employee |
| Enhanced (1-5): | 5 |
Current / open credit lines:
| 7
/
7 | Length of status: | 5y 5m |
|
Credit score:
| 740-759 (May-2010) |
Total credit lines:
| 18 |
Occupation: | Professional |
|
Now delinquent:
| 0 |
Revolving credit balance:
| $7,574 | Stated income: | $25,000-$49,999 |
|
Amount delinquent:
| $0 |
Bankcard utilization:
| 90% | | |
|
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| Yes | | |
|
Delinquencies in last 7y:
| 0 | | | | |
|
Screen name:
| unique-agreement6 |
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 off my credit card
Purpose of loan:
This loan will be used to?pay off a credit card we had to live on during a tough time.
My financial situation:
I am a good candidate for this loan because? I pay my bills on time and pride myself with an excellent credit score.
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
458938
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:
| $9,900.00 |
Prosper Rating:
| D |
Auction Duration:
| 7 days
|
|
Term:
| 36 months |
Estimated loss:
| 10.0% | | |
| | | |
|
|
Starting lender yield:
| 16.00% |
Starting borrower rate/APR:
| 17.00% / 19.20% |
Starting monthly payment:
| $352.96 |
| |
|
Auction yield range:
| 10.99% - 16.00% |
Estimated loss impact:
| 10.37% | | |
|
Lender servicing fee:
| 1.00% |
Estimated return:
| 5.63% | | |
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-1996 |
Debt/Income ratio:
| 8% |
|
Basic (1-10):
| 6 |
Inquiries last 6m:
| 2 | Employment status: | Full-time employee |
| Enhanced (1-5): | 5 |
Current / open credit lines:
| 6
/
5 | Length of status: | 5y 6m |
|
Credit score:
| 700-719 (May-2010) |
Total credit lines:
| 30 |
Occupation: | Computer Programmer |
|
Now delinquent:
| 0 |
Revolving credit balance:
| $20,746 | Stated income: | $100,000+ |
|
Amount delinquent:
| $0 |
Bankcard utilization:
| 82% | | |
|
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| No | | |
|
Delinquencies in last 7y:
| 0 | | | | |
|
Screen name:
| compassion-conga |
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
Adopting an infant
Purpose of loan:
This loan will be used to help with the costs to adopt an infant.?We have already completed the home study process and have all necessary clearances to adopt. This loan will be repaid once we receive the $13,170 federal Adoption Tax Credit?in spring 2011?when we file our?tax return. The tax credit is an actual refund that we are guaranteed to get based on the expenses we have paid toward the adoption so far.
We have one beautiful 5-year old daughter; our second daughter died at 5 months old of a genetic disorder and we are unable to have any more of our own biological children. We are excited to adopt and appreciate the Prosper community's support. We?pay our bills on time, have never ever been late,?and you can count on us as a good investment.
My financial situation:
I am a good candidate for this loan because we have a good credit score, high income, have never paid a bill late, and have ample funds to pay the monthly loan amount, plus we are guaranteed to receive the government's $13,170 adoption tax credit amount next year to pay off this loan.
Monthly net income: $
7500
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
459160
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:
| 8.20% |
Starting borrower rate/APR:
| 9.20% / 11.30% |
Starting monthly payment:
| $111.63 |
| |
|
Auction yield range:
| 3.99% - 8.20% |
Estimated loss impact:
| 2.12% | | |
|
Lender servicing fee:
| 1.00% |
Estimated return:
| 6.08% | | |
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:
| 13% |
|
Basic (1-10):
| 9 |
Inquiries last 6m:
| 0 | Employment status: | Full-time employee |
| Enhanced (1-5): | 5 |
Current / open credit lines:
| 10
/
9 | Length of status: | 2y 7m |
|
Credit score:
| 720-739 (May-2010) |
Total credit lines:
| 27 |
Occupation: | Analyst |
|
Now delinquent:
| 1 |
Revolving credit balance:
| $48,580 | Stated income: | $100,000+ |
|
Amount delinquent:
| $0 |
Bankcard utilization:
| 28% | | |
|
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| Yes | | |
|
Delinquencies in last 7y:
| 2 | | | | |
|
Screen name:
| sincere-dough |
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
My personal loan
This listing has a higher likelihood to fund and therefore does not include a description. If you would like additional information from this borrower, please ask a question in the Q&A section below.
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
459274
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:
| 16.99% - 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-2005 |
Debt/Income ratio:
| 8% |
|
Basic (1-10):
| 4 |
Inquiries last 6m:
| 5 | Employment status: | Full-time employee |
| Enhanced (1-5): | 2 |
Current / open credit lines:
| 3
/
3 | Length of status: | 3y 1m |
|
Credit score:
| 660-679 (May-2010) |
Total credit lines:
| 3 |
Occupation: | Other |
|
Now delinquent:
| 0 |
Revolving credit balance:
| $2,562 | 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:
| return-palm |
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
My loan for debt consolidation
This listing has a higher likelihood to fund and therefore does not include a description. If you would like additional information from this borrower, please ask a question in the Q&A section below.
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
459280
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:
| D |
Auction Duration:
| 7 days
|
|
Term:
| 36 months |
Estimated loss:
| 10.0% | | |
| | | |
|
|
Starting lender yield:
| 25.39% |
Starting borrower rate/APR:
| 26.39% / 30.33% |
Starting monthly payment:
| $40.50 |
| |
|
Auction yield range:
| 10.99% - 25.39% |
Estimated loss impact:
| 10.63% | | |
|
Lender servicing fee:
| 1.00% |
Estimated return:
| 14.76% | | |
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:
| 38% |
|
Basic (1-10):
| 7 |
Inquiries last 6m:
| 0 | Employment status: | Part-time employee |
| Enhanced (1-5): | 3 |
Current / open credit lines:
| 8
/
8 | Length of status: | 4y 10m |
|
Credit score:
| 740-759 (May-2010) |
Total credit lines:
| 51 |
Occupation: | Other |
|
Now delinquent:
| 8 |
Revolving credit balance:
| $2,800 | Stated income: | $1-$24,999 |
|
Amount delinquent:
| $2,191 |
Bankcard utilization:
| 13% | | |
|
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| No | | |
|
Delinquencies in last 7y:
| 0 | | | | |
|
Screen name:
| order-fields |
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 my son medical bills
i plan on using this loan to pay my son's hospital bills. he's really sick and in and out of hospitals. i just dont have the money now to pay them. if you let me borrow this money i will be forever grateful and less stressed. i am willing to pay back on June 3 and June 18. can you please help my son. and who knows you could possibly save my little boys life. don't worry about getting your money back, i promise to pay you back all of your money. i just really need help.
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
459286
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:
| 16.99% - 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-1995 |
Debt/Income ratio:
| 76% |
|
Basic (1-10):
| 5 |
Inquiries last 6m:
| 0 | Employment status: | Part-time employee |
| Enhanced (1-5): | 4 |
Current / open credit lines:
| 2
/
2 | Length of status: | 0y 10m |
|
Credit score:
| 640-659 (May-2010) |
Total credit lines:
| 19 |
Occupation: | Administrative Assi... |
|
Now delinquent:
| 6 |
Revolving credit balance:
| $16,221 | Stated income: | $1-$24,999 |
|
Amount delinquent:
| $2,156 |
Bankcard utilization:
| 26% | | |
|
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| No | | |
|
Delinquencies in last 7y:
| 9 | | | | |
|
Screen name:
| credible-liberty24 |
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
Consolidating Debt
This loan will be used to consolidate debt. I am a good candidate for this loan because it will get me back on my feet, and I?will pay it back in full and on time.
When I lost my job last year, I got behind on all of my bills. Now that I am working again, I'm struggling just to "catch up." This money will allow me to get on firm footing financially and will be used to pay off my debts. I will also be using some of the money to get much-needed work done on my car, including: new tires, replace broken horn, get new brakes and axles. Another portion of the loan money will go toward a necessary move, to get me out of a rental house that is falling apart and into a healthier home with a roommate, which will further reduce my monhtly expenses.
Your consideration?is thoroughly appreciated. Please help me!
This is the first time I've used Prosper, so please ask any questions that will enable you to make your decision. I will answer them promptly and post my honest response.
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
459298
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:
| D |
Auction Duration:
| 7 days
|
|
Term:
| 36 months |
Estimated loss:
| 10.0% | | |
| | | |
|
|
Starting lender yield:
| 26.25% |
Starting borrower rate/APR:
| 27.25% / 29.59% |
Starting monthly payment:
| $286.72 |
| |
|
Auction yield range:
| 10.99% - 26.25% |
Estimated loss impact:
| 10.65% | | |
|
Lender servicing fee:
| 1.00% |
Estimated return:
| 15.60% | | |
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:
| Aug-2006 |
Debt/Income ratio:
| 26% |
|
Basic (1-10):
| 7 |
Inquiries last 6m:
| 0 | Employment status: | Full-time employee |
| Enhanced (1-5): | 4 |
Current / open credit lines:
| 5
/
5 | Length of status: | 0y 1m |
|
Credit score:
| 720-739 (May-2010) |
Total credit lines:
| 6 |
Occupation: | Sales - Retail |
|
Now delinquent:
| 0 |
Revolving credit balance:
| $1,515 | Stated income: | $1-$24,999 |
|
Amount delinquent:
| $0 |
Bankcard utilization:
| 15% | | |
|
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| No | | |
|
Delinquencies in last 7y:
| 0 | | | | |
|
Screen name:
| asset-solstice0 |
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
My personal loan
This listing has a higher likelihood to fund and therefore does not include a description. If you would like additional information from this borrower, please ask a question in the Q&A section below.
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
459314
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:
| $24,000.00 |
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:
| $1,085.66 |
| |
|
Auction yield range:
| 16.99% - 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-1987 |
Debt/Income ratio:
| Not calculated |
|
Basic (1-10):
| 1 |
Inquiries last 6m:
| 2 | Employment status: | Full-time employee |
| Enhanced (1-5): | 4 |
Current / open credit lines:
| 9
/
9 | Length of status: | 11y 8m |
|
Credit score:
| 700-719 (May-2010) |
Total credit lines:
| 25 |
Occupation: | Professional |
|
Now delinquent:
| 0 |
Revolving credit balance:
| $9,895 | Stated income: | $50,000-$74,999 |
|
Amount delinquent:
| $0 |
Bankcard utilization:
| 93% | | |
|
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| No | | |
|
Delinquencies in last 7y:
| 0 | | | | |
|
Screen name:
| bill-eclair |
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
Investment in My Future & Business
Purpose of loan:
This loan will be used to? Start a New Business, Pay outstanding medical Bills, pay off debt, and pay for my wedding.
My financial situation:
I am a good candidate for this loan because? I have good work ethics, longevity with my employer, Pay my bills on time every month and try to pay more than the minimum payment when able, and I paid off my car a year ago.
Monthly net income: $ 4400
Monthly expenses: $
??Housing: $ 650.00
??Insurance: $ 115.00
??Car expenses: $60.00?????
??Utilities: $ 0
??Phone, cable, internet: $120.00
??Food, entertainment: $ 50.00
??Clothing, household expenses $25?
??Credit cards and other loans: $ 8500
??Other expenses: $ 0
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
459316
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:
| 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:
| $158.33 |
| |
|
Auction yield range:
| 16.99% - 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:
| Oct-1984 |
Debt/Income ratio:
| Not calculated |
|
Basic (1-10):
| 1 |
Inquiries last 6m:
| 7 | Employment status: | Full-time employee |
| Enhanced (1-5): | 3 |
Current / open credit lines:
| 18
/
15 | Length of status: | 0y 4m |
|
Credit score:
| 660-679 (May-2010) |
Total credit lines:
| 29 |
Occupation: | Food Service |
|
Now delinquent:
| 0 |
Revolving credit balance:
| $13,128 | Stated income: | $25,000-$49,999 |
|
Amount delinquent:
| $0 |
Bankcard utilization:
| 88% | | |
|
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| No | | |
|
Delinquencies in last 7y:
| 0 | | | | |
|
Screen name:
| enriching-interest3 |
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
Reliable credit worthy person
Purpose of loan:
This loan is to pay off some debts
My financial situation:
I am a good candidate for this loan because I am very reliable and have no negative history on my credit report at all?
Monthly net income: $ $1600
Monthly expenses: $
??Housing: $ 400
??Insurance: $ 0
??Car expenses: $ 100
??Utilities: $ 0
??Phone, cable, internet: $ 0
??Food, entertainment: $?100
??Clothing, household expenses $ 0
??Credit cards and other loans: $ 150
??Other expenses: $ 0
I am very very reliable. I pay everything thing on time and as you see have never had any delinquencies. I have a credit line that has a crazy interested rate and i just want to pay that off. That will easily enable me to pay off this l
My income is not only me, it is my wife who makes $60+K depending on bonuses and commission.
If you invests I will pay you back. Thanks for your time and consideration.
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
459320
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:
| 34.00% |
Starting borrower rate/APR:
| 35.00% / 37.45% |
Starting monthly payment:
| $180.94 |
| |
|
Auction yield range:
| 16.99% - 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-1997 |
Debt/Income ratio:
| 53% |
|
Basic (1-10):
| 5 |
Inquiries last 6m:
| 0 | Employment status: | Full-time employee |
| Enhanced (1-5): | 5 |
Current / open credit lines:
| 14
/
8 | Length of status: | 12y 9m |
|
Credit score:
| 680-699 (May-2010) |
Total credit lines:
| 24 |
Occupation: | Other |
|
Now delinquent:
| 0 |
Revolving credit balance:
| $9,281 | Stated income: | $1-$24,999 |
|
Amount delinquent:
| $0 |
Bankcard utilization:
| 99% | | |
|
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| No | | |
|
Delinquencies in last 7y:
| 0 | | | | |
|
Screen name:
| BEARCOLLECTOR0 |
Borrower's state:
| Kansas |
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:
| 0 / 1 |
On-time:
| 35 ( 100% )
| 680-699 (Latest)
|
|
Principal borrowed:
| $5,000.00 | < 31 days late:
| 0
( 0% )
| 660-679
(Mar-2007)
|
|
Principal balance:
| $0.00 |
31+ days late:
| 0
( 0% )
|
|
Total payments billed:
| 35 | | |
Description
Have a credit card that needs to go
Purpose of loan:
The purpose of this loan would be to pay off a credit card that has a?interest rate that is at 31 percent.?I will never see the?daylight of this credit card.?
My financial situation:
I am a good candidate for this loan because I am trying to get out of debit one card at a time, and I have had a loan through Prosper before and had exceptional luck. My credit score has increased do to the first loan given. I would treat this loan the same way and never dissapoint the lenders. This is a wonderful lending source.
Monthly net income: $ 23,000
Monthly expenses: $
??Housing: $ 0
??Insurance: $ 0
??Car expenses: $?600.00 a year for insurance and tags
??Utilities: $ 0????
??Phone, cable, internet: $?92.00????
??Food, entertainment: $ 25.00
??Clothing, household expenses $ 100.00
??Credit cards and other loans: $ 19,000.00
??Other expenses: $ 0
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
459328
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:
| 19.00% |
Starting borrower rate/APR:
| 20.00% / 22.24% |
Starting monthly payment:
| $185.82 |
| |
|
Auction yield range:
| 16.99% - 19.00% |
Estimated loss impact:
| 19.06% | | |
|
Lender servicing fee:
| 1.00% |
Estimated return:
| -0.06% | | |
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:
| Sep-1999 |
Debt/Income ratio:
| 13% |
|
Basic (1-10):
| 4 |
Inquiries last 6m:
| 1 | Employment status: | Full-time employee |
| Enhanced (1-5): | 4 |
Current / open credit lines:
| 11
/
9 | Length of status: | 1y 0m |
|
Credit score:
| 660-679 (May-2010) |
Total credit lines:
| 32 |
Occupation: | Nurse (LPN) |
|
Now delinquent:
| 3 |
Revolving credit balance:
| $2,389 | Stated income: | $25,000-$49,999 |
|
Amount delinquent:
| $563 |
Bankcard utilization:
| 32% | | |
|
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| No | | |
|
Delinquencies in last 7y:
| 2 | | | | |
|
Screen name:
| lisa6526 |
Borrower's state:
| Illinois |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
| Loan history | Payment history | Credit score history |
|
Active / total loans:
| 0 / 1 |
On-time:
| 9 ( 100% )
| 660-679 (Latest)
|
|
Principal borrowed:
| $1,500.00 | < 31 days late:
| 0
( 0% )
| 620-639
(Aug-2008)
|
|
Principal balance:
| $0.00 |
31+ days late:
| 0
( 0% )
|
|
Total payments billed:
| 9 | | |
Description
Getting my bachelor's degree!!
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
459336
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:
| $17,500.00 |
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:
| $791.63 |
| |
|
Auction yield range:
| 16.99% - 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:
| Sep-1999 |
Debt/Income ratio:
| 172% |
|
Basic (1-10):
| 5 |
Inquiries last 6m:
| 2 | Employment status: | Full-time employee |
| Enhanced (1-5): | 3 |
Current / open credit lines:
| 11
/
11 | Length of status: | 1y 5m |
|
Credit score:
| 740-759 (May-2010) |
Total credit lines:
| 19 |
Occupation: | Bus Driver |
|
Now delinquent:
| 0 |
Revolving credit balance:
| $31,117 | Stated income: | $1-$24,999 |
|
Amount delinquent:
| $0 |
Bankcard utilization:
| 43% | | |
|
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| Yes | | |
|
Delinquencies in last 7y:
| 0 | | | | |
|
Screen name:
| return-formula5 |
Borrower's state:
| Texas |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Description
Debt Consolidation
Purpose of loan:
This loan will be used to?
My financial situation:
I am a good candidate for this loan because?
Monthly net income: $
Monthly expenses: $
??Housing: $
??Insurance: $
??Car expenses: $
??Utilities: $
??Phone, cable, internet: $
??Food, entertainment: $
??Clothing, household expenses $
??Credit cards and other loans: $
??Other expenses: $
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
459338
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:
| 9.20% |
Starting borrower rate/APR:
| 10.20% / 12.31% |
Starting monthly payment:
| $388.33 |
| |
|
Auction yield range:
| 3.99% - 9.20% |
Estimated loss impact:
| 2.12% | | |
|
Lender servicing fee:
| 1.00% |
Estimated return:
| 7.08% | | |
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-1988 |
Debt/Income ratio:
| 8% |
|
Basic (1-10):
| 9 |
Inquiries last 6m:
| 0 | Employment status: | Full-time employee |
| Enhanced (1-5): | 5 |
Current / open credit lines:
| 15
/
12 | Length of status: | 17y 11m |
|
Credit score:
| 720-739 (May-2010) |
Total credit lines:
| 24 |
Occupation: | Computer Programmer |
|
Now delinquent:
| 0 |
Revolving credit balance:
| $37,389 | Stated income: | $100,000+ |
|
Amount delinquent:
| $0 |
Bankcard utilization:
| 23% | | |
|
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| No | | |
|
Delinquencies in last 7y:
| 0 | | | | |
|
Screen name:
| daughtergettingmarried |
Borrower's state:
| Tennessee |
Borrower's group:
| Thousand Dollar 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 / 1 |
On-time:
| 21 ( 95% )
| 720-739 (Latest)
|
|
Principal borrowed:
| $1,900.00 | < 31 days late:
| 1
( 5% )
| 600-619
(Dec-2009)
460-479
(Jun-2006)
|
|
Principal balance:
| $0.00 |
31+ days late:
| 0
( 0% )
|
|
Total payments billed:
| 22 | | |
Description
My loan for home improvement
This listing has a higher likelihood to fund and therefore does not include a description. If you would like additional information from this borrower, please ask a question in the Q&A section below.
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
459340
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:
| 18.0% | | |
| | | |
|
|
Starting lender yield:
| 34.00% |
Starting borrower rate/APR:
| 35.00% / 37.45% |
Starting monthly payment:
| $135.71 |
| |
|
Auction yield range:
| 16.99% - 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:
| Feb-1990 |
Debt/Income ratio:
| 51% |
|
Basic (1-10):
| 4 |
Inquiries last 6m:
| 0 | Employment status: | Retired |
| Enhanced (1-5): | 4 |
Current / open credit lines:
| 7
/
7 | Length of status: | 3y 4m |
|
Credit score:
| 660-679 (May-2010) |
Total credit lines:
| 34 | Stated income: | $25,000-$49,999 |
|
Now delinquent:
| 1 |
Revolving credit balance:
| $6,296 | |
|
Amount delinquent:
| $5,690 |
Bankcard utilization:
| 88% | | |
|
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| No | | |
|
Delinquencies in last 7y:
| 7 | | | | |
|
Screen name:
| longst |
Borrower's state:
| Florida |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
| Loan history | Payment history | Credit score history |
|
Active / total loans:
| 1 / 1 |
On-time:
| 27 ( 100% )
| 660-679 (Latest)
|
|
Principal borrowed:
| $5,000.00 | < 31 days late:
| 0
( 0% )
| 640-659
(Jan-2010)
680-699
(Jan-2008)
|
|
Principal balance:
| $1,452.08 |
31+ days late:
| 0
( 0% )
|
|
Total payments billed:
| 27 | | |
Description
consolidate debts
Purpose of loan:
This loan will be used to?consolidate debt?
My financial situation:
I am a good candidate for this loan because?I have been a good customer of Prosper.? I have not missed a payment during the entire history of my loan account with Prosper.?
Monthly net income: $3900.
Monthly expenses: $
??Housing: $775.
??Insurance: $92.
??Car expenses: $273.
??Utilities: $200.
??Phone, cable, internet: $85.
??Food, entertainment: $300.
??Clothing, household expenses $50.
??Credit cards and other loans: $400.
??Other expenses: $ 75
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
459344
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:
| 24.00% |
Starting borrower rate/APR:
| 25.00% / 27.31% |
Starting monthly payment:
| $159.04 |
| |
|
Auction yield range:
| 16.99% - 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:
| Mar-2005 |
Debt/Income ratio:
| 36% |
|
Basic (1-10):
| 2 |
Inquiries last 6m:
| 6 | Employment status: | Full-time employee |
| Enhanced (1-5): | 2 |
Current / open credit lines:
| 8
/
5 | Length of status: | 1y 6m |
|
Credit score:
| 640-659 (May-2010) |
Total credit lines:
| 16 |
Occupation: | Military Enlisted |
|
Now delinquent:
| 0 |
Revolving credit balance:
| $328 | Stated income: | $25,000-$49,999 |
|
Amount delinquent:
| $0 |
Bankcard utilization:
| 3% | | |
|
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| No | | |
|
Delinquencies in last 7y:
| 0 | | | | |
|
Screen name:
| listing-arrow |
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
Delayed Honeymoon
The purpose of this loan is to take my wife and I on a Couples Vacation.? I would like to surprise her with this trip in August in possible.? Quite simply put, I could give you a million reasons she deserves it and I would like to do this without her knowledge.
I am a great candidate for this loan because we have a combined low debt to income,
we monitor our expenditures and I would greatly benefit from an installment account tradeline on my report, as I have few accounts. My wife?s income is 60k, but it does not need to be taken in consideration for the purpose of the loan.
My monthly expenses include
? Insurance: $ 185
? Car expenses: $ 311
? Utilities: $ Between 75-125
? Phone, cable, internet: $ 185
? Food, entertainment: $ 150
? Clothing, household expenses $200, but varies
? Credit cards and other loans: $ 200
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
459356
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:
| 16.99% - 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:
| Aug-2005 |
Debt/Income ratio:
| 27% |
|
Basic (1-10):
| 5 |
Inquiries last 6m:
| 1 | Employment status: | Full-time employee |
| Enhanced (1-5): | 4 |
Current / open credit lines:
| 6
/
4 | Length of status: | 2y 7m |
|
Credit score:
| 680-699 (May-2010) |
Total credit lines:
| 10 |
Occupation: | Retail Management |
|
Now delinquent:
| 0 |
Revolving credit balance:
| $1,231 | Stated income: | $25,000-$49,999 |
|
Amount delinquent:
| $0 |
Bankcard utilization:
| 40% | | |
|
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| No | | |
|
Delinquencies in last 7y:
| 2 | | | | |
|
Screen name:
| openness-anteater |
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
My Wedding Loan for July
I have been saving for quite awhile for this wedding and
this loan would be to pay off all of the extra little things that come up
during a wedding. I am hoping for whatever monies received from guests that are
coming will go directly back to the Payee. I am 23 years old. I work at Best
Buy I am the supervisor at Geek Squad and going to school all at the same time.
I have paid off a lot of debt and am looking to start a new life with my new
wife. Happy Bidding if you have any questions or need anything feel free to
email me.
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
459358
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:
| $3,520.00 |
Prosper Rating:
| A |
Auction Duration:
| 7 days
|
|
Term:
| 36 months |
Estimated loss:
| 2.1% | | |
| | | |
|
|
Starting lender yield:
| 8.20% |
Starting borrower rate/APR:
| 9.20% / 11.30% |
Starting monthly payment:
| $112.26 |
| |
|
Auction yield range:
| 3.99% - 8.20% |
Estimated loss impact:
| 2.12% | | |
|
Lender servicing fee:
| 1.00% |
Estimated return:
| 6.08% | | |
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:
| 33% |
|
Basic (1-10):
| 9 |
Inquiries last 6m:
| 0 | Employment status: | Full-time employee |
| Enhanced (1-5): | 5 |
Current / open credit lines:
| 5
/
4 | Length of status: | 3y 9m |
|
Credit score:
| 760-779 (May-2010) |
Total credit lines:
| 22 |
Occupation: | Other |
|
Now delinquent:
| 0 |
Revolving credit balance:
| $345 | Stated income: | $25,000-$49,999 |
|
Amount delinquent:
| $0 |
Bankcard utilization:
| 6% | | |
|
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| No | | |
|
Delinquencies in last 7y:
| 0 | | | | |
|
Screen name:
| ntwcm |
Borrower's state:
| Michigan |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
| Loan history | Payment history | Credit score history |
|
Active / total loans:
| 0 / 1 |
On-time:
| 19 ( 100% )
| 760-779 (Latest)
|
|
Principal borrowed:
| $6,500.00 | < 31 days late:
| 0
( 0% )
| 660-679
(Oct-2009)
660-679
(May-2008)
|
|
Principal balance:
| $0.00 |
31+ days late:
| 0
( 0% )
|
|
Total payments billed:
| 19 | | |
Description
My personal loan for my business
This listing has a higher likelihood to fund and therefore does not include a description. If you would like additional information from this borrower, please ask a question in the Q&A section below.
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
459362
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:
| 19.0% | | |
| | | |
|
|
Starting lender yield:
| 34.00% |
Starting borrower rate/APR:
| 35.00% / 37.45% |
Starting monthly payment:
| $316.65 |
| |
|
Auction yield range:
| 16.99% - 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-1996 |
Debt/Income ratio:
| 18% |
|
Basic (1-10):
| 5 |
Inquiries last 6m:
| 2 | Employment status: | Full-time employee |
| Enhanced (1-5): | 5 |
Current / open credit lines:
| 12
/
10 | Length of status: | 2y 6m |
|
Credit score:
| 600-619 (Apr-2010) |
Total credit lines:
| 19 |
Occupation: | Other |
|
Now delinquent:
| 0 |
Revolving credit balance:
| $6,472 | Stated income: | $50,000-$74,999 |
|
Amount delinquent:
| $0 |
Bankcard utilization:
| 72% | | |
|
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| No | | |
|
Delinquencies in last 7y:
| 0 | | | | |
|
Screen name:
| dandrewj |
Borrower's state:
| California |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
| Loan history | Payment history | Credit score history |
|
Active / total loans:
| 1 / 2 |
On-time:
| 47 ( 98% )
| 600-619 (Latest)
|
|
Principal borrowed:
| $8,000.00 | < 31 days late:
| 1
( 2% )
| 620-639
(Oct-2009)
620-639
(Sep-2008)
580-599
(Apr-2008)
520-539
(Nov-2007)
|
|
Principal balance:
| $2,519.23 |
31+ days late:
| 0
( 0% )
|
|
Total payments billed:
| 48 | | |
Description
Good Payment History w/ Prosper
Purpose of loan:
Hello this is will be?my?third?loan with Prosper. I?would like?to consolidate some credit card?debt, my other?Prosper Loan?and have some dental work.My employer based?dental insurance capped after the 1st root canal,?at?$1,500,?and I still need 2 more root canals?with crowns and also a?filling.?
My financial situation:
I am a good candidate for this loan, and my payment history with my current Posper?Loan is?very good.?I have?stable and secure?employment as a full-time?contract investigator for the U.S. Federal Government.
Monthly net income: $ 2,700.00
Monthly expenses: $
??Housing: $ 1000.00?
??Insurance: $ n/a - paid for through employer
??Car expenses: $ n/a?- paid for through employer
??Utilities: $ 150.00
??Phone, cable, internet: $?60.00
??Food, entertainment: $?150.00????
??Clothing, household expenses $ 200.00
??Credit cards and other loans: $ 8,000.00 = $300.00 monthly
??Other expenses Medical: $ 150.00
Thank you for consideration and please feel free to ask any questions.
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
459374
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:
| $1,100.00 |
Prosper Rating:
| D |
Auction Duration:
| 7 days
|
|
Term:
| 36 months |
Estimated loss:
| 10.0% | | |
| | | |
|
|
Starting lender yield:
| 11.75% |
Starting borrower rate/APR:
| 12.75% / 16.03% |
Starting monthly payment:
| $36.93 |
| |
|
Auction yield range:
| 10.99% - 11.75% |
Estimated loss impact:
| 10.25% | | |
|
Lender servicing fee:
| 1.00% |
Estimated return:
| 1.50% | | |
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:
| Jul-1992 |
Debt/Income ratio:
| 46% |
|
Basic (1-10):
| 7 |
Inquiries last 6m:
| 0 | Employment status: | Full-time employee |
| Enhanced (1-5): | 3 |
Current / open credit lines:
| 9
/
9 | Length of status: | 11y 4m |
|
Credit score:
| 700-719 (May-2010) |
Total credit lines:
| 34 |
Occupation: | Other |
|
Now delinquent:
| 1 |
Revolving credit balance:
| $10,609 | Stated income: | $25,000-$49,999 |
|
Amount delinquent:
| $1,390 |
Bankcard utilization:
| 86% | | |
|
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| Yes | | |
|
Delinquencies in last 7y:
| 21 | | | | |
|
Screen name:
| graceful-hope3 |
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
Payoff credit card
Purpose of loan:
This loan will be used to?
These funds will be used to pay off my one delinguent Capital One credit card that keeps harping at my strings. If I can pay them card in full Capital One will charge me on $1000.00 to pay them off in full.
My financial situation:
I am a good candidate for this loan because?My mortgage and Home equity line of credit is current for the past year now.? I just need a little help to get this credit card out of my hair now.
My spouse income is not included in my monthly income, but is used to pay all bills on a monthly bases.
Monthly net income: $
2200.00(me)? $3600.00 (spouse) ???? ????
Monthly expenses: $
??Housing: $ 3100.00
??Insurance: $
320.00
??Car expenses: $ 421
??Utilities: $ 281.00
??Phone, cable, internet: $
318.00
??Food, entertainment: $ 140.00
??Clothing, household expenses $ 250.00
??Credit cards and other loans: $ 252.00
? CAPITAL ONE: $75.00
??Other expenses: $
320..
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
459380
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:
| D |
Auction Duration:
| 7 days
|
|
Term:
| 36 months |
Estimated loss:
| 10.0% | | |
| | | |
|
|
Starting lender yield:
| 25.39% |
Starting borrower rate/APR:
| 26.39% / 28.72% |
Starting monthly payment:
| $121.50 |
| |
|
Auction yield range:
| 10.99% - 25.39% |
Estimated loss impact:
| 10.63% | | |
|
Lender servicing fee:
| 1.00% |
Estimated return:
| 14.76% | | |
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-1993 |
Debt/Income ratio:
| 26% |
|
Basic (1-10):
| 6 |
Inquiries last 6m:
| 3 | Employment status: | Full-time employee |
| Enhanced (1-5): | 1 |
Current / open credit lines:
| 23
/
22 | Length of status: | 18y 10m |
|
Credit score:
| 700-719 (May-2010) |
Total credit lines:
| 68 |
Occupation: | Accountant/CPA |
|
Now delinquent:
| 0 |
Revolving credit balance:
| $253,977 | Stated income: | $100,000+ |
|
Amount delinquent:
| $0 |
Bankcard utilization:
| 100% | | |
|
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| Yes | | |
|
Delinquencies in last 7y:
| 0 | | | | |
|
Screen name:
| bold-principal-taiko |
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 Debt
Purpose of loan:
This loan will be used to pay down debt.
My financial situation:
I am a good candidate for this loan because I have no late payments on my accounts.? I own one home and rent another.?My credit balances reflect the second mortgages on my 2 homes. My utilization rate is high because my credit card companies have cut my limits down to the balance owed. This has created limited flexibility in paying down debt and dropped my score. I am a good risk because of my past payment history.
Thank you.
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
459398
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:
| A |
Auction Duration:
| 7 days
|
|
Term:
| 36 months |
Estimated loss:
| 2.1% | | |
| | | |
|
|
Starting lender yield:
| 8.20% |
Starting borrower rate/APR:
| 9.20% / 11.30% |
Starting monthly payment:
| $63.79 |
| |
|
Auction yield range:
| 3.99% - 8.20% |
Estimated loss impact:
| 2.12% | | |
|
Lender servicing fee:
| 1.00% |
Estimated return:
| 6.08% | | |
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-1980 |
Debt/Income ratio:
| 18% |
|
Basic (1-10):
| 9 |
Inquiries last 6m:
| 1 | Employment status: | Full-time employee |
| Enhanced (1-5): | 5 |
Current / open credit lines:
| 12
/
11 | Length of status: | 3y 7m |
|
Credit score:
| 700-719 (May-2010) |
Total credit lines:
| 22 |
Occupation: | Accountant/CPA |
|
Now delinquent:
| 0 |
Revolving credit balance:
| $12,751 | 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:
| top-economy-enjoyment |
Borrower's state:
| Florida |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
| Loan history | Payment history | Credit score history |
|
Active / total loans:
| 1 / 1 |
On-time:
| 7 ( 100% )
| 700-719 (Latest)
|
|
Principal borrowed:
| $3,000.00 | < 31 days late:
| 0
( 0% )
| 720-739
(Oct-2009)
|
|
Principal balance:
| $2,647.01 |
31+ days late:
| 0
( 0% )
|
|
Total payments billed:
| 7 | | |
Description
My personal loan
This listing has a higher likelihood to fund and therefore does not include a description. If you would like additional information from this borrower, please ask a question in the Q&A section below.
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
459402
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:
| 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:
| $158.33 |
| |
|
Auction yield range:
| 16.99% - 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:
| Oct-1996 |
Debt/Income ratio:
| 36% |
|
Basic (1-10):
| 5 |
Inquiries last 6m:
| 1 | Employment status: | Full-time employee |
| Enhanced (1-5): | 2 |
Current / open credit lines:
| 9
/
8 | Length of status: | 1y 10m |
|
Credit score:
| 620-639 (May-2010) |
Total credit lines:
| 52 |
Occupation: | Sales - Retail |
|
Now delinquent:
| 0 |
Revolving credit balance:
| $8,832 | Stated income: | $25,000-$49,999 |
|
Amount delinquent:
| $0 |
Bankcard utilization:
| 98% | | |
|
Public records last 12m / 10y:
| 0/ 1 |
Homeownership:
| No | | |
|
Delinquencies in last 7y:
| 4 | | | | |
|
Screen name:
| Bratt79 |
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.
Prosper Activity
| Loan history | Payment history | Credit score history |
|
Active / total loans:
| 1 / 1 |
On-time:
| 20 ( 100% )
| 620-639 (Latest)
|
|
Principal borrowed:
| $1,800.00 | < 31 days late:
| 0
( 0% )
| 600-619
(Apr-2010)
620-639
(Aug-2008)
|
|
Principal balance:
| $985.90 |
31+ days late:
| 0
( 0% )
|
|
Total payments billed:
| 20 | | |
Description
Getting Married!
Purpose of loan:
This loan will be to pay for a wedding sept 18, 2010. ?
My financial situation:
I am a good candidate for this loan because, I and my fiance both work Full Time jobs while raising 2 kids and going to school.?This is my second loan with Prosper and I have a 100% re-payment history. You cant go wrong with investing with my loan. Great return!
Monthly net income: $ for the household $3500
Monthly expenses: $
??Housing: $ 725.00
??Insurance: $ 150.00
??Car expenses: $ 250.00, 1 car payment
??Utilities: $ 85.00
??Phone, cable, internet: $?45, we live with just basic?cable and internet :)
??Food, entertainment: $ 200, we always cook at home and rarely go out for entertainment
??Clothing, household expenses $?0
??Credit cards and other loans: $ 250
??Other expenses: $ 0
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
459404
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:
| A |
Auction Duration:
| 7 days
|
|
Term:
| 36 months |
Estimated loss:
| 2.1% | | |
| | | |
|
|
Starting lender yield:
| 9.34% |
Starting borrower rate/APR:
| 10.34% / 12.45% |
Starting monthly payment:
| $259.42 |
| |
|
Auction yield range:
| 3.99% - 9.34% |
Estimated loss impact:
| 2.13% | | |
|
Lender servicing fee:
| 1.00% |
Estimated return:
| 7.21% | | |
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-1991 |
Debt/Income ratio:
| 42% |
|
Basic (1-10):
| 9 |
Inquiries last 6m:
| 1 | Employment status: | Full-time employee |
| Enhanced (1-5): | 3 |
Current / open credit lines:
| 23
/
20 | Length of status: | 1y 11m |
|
Credit score:
| 760-779 (May-2010) |
Total credit lines:
| 63 |
Occupation: | Professional |
|
Now delinquent:
| 0 |
Revolving credit balance:
| $55,730 | Stated income: | $75,000-$99,999 |
|
Amount delinquent:
| $0 |
Bankcard utilization:
| 75% | | |
|
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| Yes | | |
|
Delinquencies in last 7y:
| 0 | | | | |
|
Screen name:
| justice-jedi |
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? pay off credit cards
My financial situation:
I am a good candidate for this loan because? I always pay my bills, but the credit cards are starting to strangle our income.
Monthly net income: $ 5000
Monthly expenses: $
??Housing: $ 2200
??Insurance: $ 100
??Car expenses: $ 605
??Utilities: $ 200
??Phone, cable, internet: $ 200
??Food, entertainment: $ 200
??Clothing, household expenses $ 200
??Credit cards and other loans: $ 1500
??Other expenses: $
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
459410
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:
| C |
Auction Duration:
| 7 days
|
|
Term:
| 36 months |
Estimated loss:
| 6.5% | | |
| | | |
|
|
Starting lender yield:
| 18.90% |
Starting borrower rate/APR:
| 19.90% / 22.14% |
Starting monthly payment:
| $129.89 |
| |
|
Auction yield range:
| 7.99% - 18.90% |
Estimated loss impact:
| 6.94% | | |
|
Lender servicing fee:
| 1.00% |
Estimated return:
| 11.96% | | |
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-1997 |
Debt/Income ratio:
| 26% |
|
Basic (1-10):
| 9 |
Inquiries last 6m:
| 1 | Employment status: | Full-time employee |
| Enhanced (1-5): | 5 |
Current / open credit lines:
| 11
/
11 | Length of status: | 12y 7m |
|
Credit score:
| 660-679 (May-2010) |
Total credit lines:
| 22 |
Occupation: | Tradesman - Mechani... |
|
Now delinquent:
| 0 |
Revolving credit balance:
| $16,935 | Stated income: | $50,000-$74,999 |
|
Amount delinquent:
| $0 |
Bankcard utilization:
| 73% | | |
|
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| Yes | | |
|
Delinquencies in last 7y:
| 0 | | | | |
|
Screen name:
| piratephan40 |
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 / 1 |
On-time:
| 35 ( 100% )
| 660-679 (Latest)
|
|
Principal borrowed:
| $2,000.00 | < 31 days late:
| 0
( 0% )
| 620-639
(Apr-2006)
|
|
Principal balance:
| $0.00 |
31+ days late:
| 0
( 0% )
|
|
Total payments billed:
| 35 | | |
Description
My loan for home improvement
This listing has a higher likelihood to fund and therefore does not include a description. If you would like additional information from this borrower, please ask a question in the Q&A section below.
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
459414
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:
| 25.25% |
Starting borrower rate/APR:
| 26.25% / 28.57% |
Starting monthly payment:
| $141.48 |
| |
|
Auction yield range:
| 10.99% - 25.25% |
Estimated loss impact:
| 10.62% | | |
|
Lender servicing fee:
| 1.00% |
Estimated return:
| 14.63% | | |
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-2004 |
Debt/Income ratio:
| Not calculated |
|
Basic (1-10):
| 6 |
Inquiries last 6m:
| 0 | Employment status: | Full-time employee |
| Enhanced (1-5): | 5 |
Current / open credit lines:
| 6
/
6 | Length of status: | 1y 1m |
|
Credit score:
| 700-719 (May-2010) |
Total credit lines:
| 6 |
Occupation: | Other |
|
Now delinquent:
| 0 |
Revolving credit balance:
| $56 | Stated income: | $1-$24,999 |
|
Amount delinquent:
| $0 |
Bankcard utilization:
| 8% | | |
|
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| No | | |
|
Delinquencies in last 7y:
| 0 | | | | |
|
Screen name:
| first-peso-pillow |
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
Expand Business and Marketing
To expand my on-line retail store/ design studio and increase marketing.
The web address is www.srascals.com please visit and get a
full
view of your investment. Summer is approaching and are we are releasing
the Spring/Summer collection. Funds will be use to
integrate a Live
DJ for the site (the first of its kind) to drive more users and
customers to the site, also to
offer 2 hours delivery to all
customers living in NYC Area (also the first of its kind). we will be
able to repay the loan in half the time
allowed because of the
revenue received from our design services and web design division. We
are revolutionizing the shopping experience.
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
459426
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:
| 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:
| $452.36 |
| |
|
Auction yield range:
| 16.99% - 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-1984 |
Debt/Income ratio:
| Not calculated |
|
Basic (1-10):
| 5 |
Inquiries last 6m:
| 0 | Employment status: | Full-time employee |
| Enhanced (1-5): | 5 |
Current / open credit lines:
| 6
/
6 | Length of status: | 0y 4m |
|
Credit score:
| 720-739 (May-2010) |
Total credit lines:
| 29 |
Occupation: | Car Dealer |
|
Now delinquent:
| 0 |
Revolving credit balance:
| $24,208 | Stated income: | $50,000-$74,999 |
|
Amount delinquent:
| $0 |
Bankcard utilization:
| 80% | | |
|
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| Yes | | |
|
Delinquencies in last 7y:
| 1 | | | | |
|
Screen name:
| blue-encouraging-loot |
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
Getting Started
Purpose of loan:
This loan will be used to?
support my family
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
459428
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:
| HR |
Auction Duration:
| 7 days
|
|
Term:
| 36 months |
Estimated loss:
| 25.0% | | |
| | | |
|
|
Starting lender yield:
| 29.00% |
Starting borrower rate/APR:
| 30.00% / 32.38% |
Starting monthly payment:
| $424.52 |
| |
|
Auction yield range:
| 16.99% - 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-2000 |
Debt/Income ratio:
| 41% |
|
Basic (1-10):
| 3 |
Inquiries last 6m:
| 1 | Employment status: | Full-time employee |
| Enhanced (1-5): | 3 |
Current / open credit lines:
| 16
/
10 | Length of status: | 0y 8m |
|
Credit score:
| 660-679 (May-2010) |
Total credit lines:
| 37 |
Occupation: | Teacher |
|
Now delinquent:
| 0 |
Revolving credit balance:
| $2,438 | Stated income: | $25,000-$49,999 |
|
Amount delinquent:
| $0 |
Bankcard utilization:
| 78% | | |
|
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| No | | |
|
Delinquencies in last 7y:
| 0 | | | | |
|
Screen name:
| ahovaki |
Borrower's state:
| Illinois |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
| Loan history | Payment history | Credit score history |
|
Active / total loans:
| 1 / 1 |
On-time:
| 26 ( 100% )
| 660-679 (Latest)
|
|
Principal borrowed:
| $8,000.00 | < 31 days late:
| 0
( 0% )
| 640-659
(Apr-2010)
600-619
(Feb-2008)
580-599
(Jan-2008)
540-559
(Nov-2007)
|
|
Principal balance:
| $2,607.85 |
31+ days late:
| 0
( 0% )
|
|
Total payments billed:
| 26 | | |
Description
Getting back out of debt!
Purpose of loan: Consolidation of credit card debt. I want to
use this loan to pay off my current credit card debt and pay on only my
Prosper Loans. My plan is to rebuild my credit, credit score, and
eliminate my credit card debt so that I can start saving for my future.
My financial situation:?
In April of 2009, I lost my job working in recruiting at a Chicago law
firm.? Due to my unemployment, I had to rely on credit to help support
myself.? In September 2009, I was hired as a math teacher at a Chicago
School.? So I am currently employed, teaching high school students.? My
position is stable and I am more than excited to be putting my degree
to use!? I graduated in 2006 from Loyola University Chicago with
degrees in Secondary Education and Math Ed.?I am asking for this loan
in order to pay off all of my credit card debt which I have
accumulated. I am able to make all of my payments, pay my bills, rent,
etc. comfortably. I just don't want to continue with the credit debt
that I have. I would rather make one monthly payment on a Prosper loan
to pay my debt rather than to the credit cards. I would use the loan to
pay off the cards so they can be put away for good.? My long term goal
is to be able to start saving my money and plan for the future. I would
like to be able to buy my own home one day. Having these cards around
is a real burden. I don't want them anymore and this loan will be a
good way for me to rid myself of that (seemingly) never ending weight.
Without the credit card payments, my monthly expenses will be reduced
to approx $1,555. Please help make this happen!! I am a responsible
young woman. I am very organized and conscious of my debts. I have been
living on my own since I went off to college when I was 17 years old.
It has been rough but I have always and continue to take care of
myself. I have some debts to pay and eventually some student loans to
settle. But, I know that I am responsible and I know what I owe. I have
plans for my future and everything has to be done one step at a time.
Thank you for your time and consideration :)
Finances:
Monthly income (after taxes): approx. $3,000
Monthly expenses: approx $2155
Housing: $800
Prosper Loan: $280
Utilities: $ 75
Phone, cable, internet: $ 150
Food, entertainment: $ 100
Clothing, household expenses $ 100
Credit cards and other loans: $ 600 *credit card details upon request
Other expenses: $ 50
More info:
I always pay more than my minimum on my credit cards and always pay on
time.? My DTI ratio is high because of a large balance on student
loans. Those loans are in deferment right now but they still affect
this ratio. Please ask any questions you have, I would be happy to
answer.
I WILL ENROLL IN AUTO PAYMENT AS SOON AS MY ACCOUNT IS VERIFIED BY PROSPER!
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
459432
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:
| 8.20% |
Starting borrower rate/APR:
| 9.20% / 11.30% |
Starting monthly payment:
| $111.63 |
| |
|
Auction yield range:
| 3.99% - 8.20% |
Estimated loss impact:
| 2.12% | | |
|
Lender servicing fee:
| 1.00% |
Estimated return:
| 6.08% | | |
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-1993 |
Debt/Income ratio:
| 19% |
|
Basic (1-10):
| 9 |
Inquiries last 6m:
| 1 | Employment status: | Full-time employee |
| Enhanced (1-5): | 5 |
Current / open credit lines:
| 14
/
11 | Length of status: | 7y 9m |
|
Credit score:
| 700-719 (May-2010) |
Total credit lines:
| 37 |
Occupation: | Computer Programmer |
|
Now delinquent:
| 0 |
Revolving credit balance:
| $7,736 | Stated income: | $50,000-$74,999 |
|
Amount delinquent:
| $0 |
Bankcard utilization:
| 64% | | |
|
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| Yes | | |
|
Delinquencies in last 7y:
| 0 | | | | |
|
Screen name:
| stevebw |
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 / 1 |
On-time:
| 35 ( 100% )
| 700-719 (Latest)
|
|
Principal borrowed:
| $1,000.00 | < 31 days late:
| 0
( 0% )
| 660-679
(Jan-2007)
|
|
Principal balance:
| $0.00 |
31+ days late:
| 0
( 0% )
|
|
Total payments billed:
| 35 | | |
Description
My loan for an auto purchase
This listing has a higher likelihood to fund and therefore does not include a description. If you would like additional information from this borrower, please ask a question in the Q&A section below.
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
459438
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:
| C |
Auction Duration:
| 7 days
|
|
Term:
| 36 months |
Estimated loss:
| 6.2% | | |
| | | |
|
|
Starting lender yield:
| 9.00% |
Starting borrower rate/APR:
| 10.00% / 12.11% |
Starting monthly payment:
| $322.67 |
| |
|
Auction yield range:
| 7.99% - 9.00% |
Estimated loss impact:
| 6.38% | | |
|
Lender servicing fee:
| 1.00% |
Estimated return:
| 2.62% | | |
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:
| Jul-1997 |
Debt/Income ratio:
| Not calculated |
|
Basic (1-10):
| 4 |
Inquiries last 6m:
| 1 | Employment status: | Full-time employee |
| Enhanced (1-5): | 5 |
Current / open credit lines:
| 12
/
10 | Length of status: | 3y 2m |
|
Credit score:
| 800-819 (May-2010) |
Total credit lines:
| 40 |
Occupation: | Computer Programmer |
|
Now delinquent:
| 0 |
Revolving credit balance:
| $9,076 | Stated income: | $75,000-$99,999 |
|
Amount delinquent:
| $0 |
Bankcard utilization:
| 21% | | |
|
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| Yes | | |
|
Delinquencies in last 7y:
| 0 | | | | |
|
Screen name:
| gold-blanket |
Borrower's state:
| Hawaii |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Description
Paying off Credit Card
Purpose of loan:
This loan will be used to? pay off credit card, I would rather give my money to someone other than the bank.
My financial situation: Stable
I am a good candidate for this loan because? I have never missed a payment.
Monthly net income:$4000
Monthly expenses:$2000
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
459444
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:
| 20.94% |
Starting borrower rate/APR:
| 21.94% / 24.20% |
Starting monthly payment:
| $286.20 |
| |
|
Auction yield range:
| 7.99% - 20.94% |
Estimated loss impact:
| 7.49% | | |
|
Lender servicing fee:
| 1.00% |
Estimated return:
| 13.45% | | |
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-1975 |
Debt/Income ratio:
| 81% |
|
Basic (1-10):
| 6 |
Inquiries last 6m:
| 2 | Employment status: | Full-time employee |
| Enhanced (1-5): | 1 |
Current / open credit lines:
| 30
/
27 | Length of status: | 0y 2m |
|
Credit score:
| 780-799 (May-2010) |
Total credit lines:
| 96 |
Occupation: | Other |
|
Now delinquent:
| 0 |
Revolving credit balance:
| $66,575 | 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:
| judust |
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.
Prosper Activity
| Loan history | Payment history | Credit score history |
|
Active / total loans:
| 0 / 1 |
On-time:
| 1 ( 100% )
| 780-799 (Latest)
|
|
Principal borrowed:
| $5,000.00 | < 31 days late:
| 0
( 0% )
| 780-799
(Mar-2010)
780-799
(Feb-2010)
780-799
(Nov-2009)
680-699
(Sep-2008)
|
|
Principal balance:
| $0.00 |
31+ days late:
| 0
( 0% )
|
|
Total payments billed:
| 1 | | |
Description
Paying off credit cards
Purpose of loan:
This loan will be used to consolidate credit card debt in to one monthly payment.? I would
like to have just one monthly obligation rather than several as well as getting the balances
paid off sooner which is what will happen with a Prosper loan.? Currently none of the balances I am hoping to payoff has an interest rate higher than 17%.? As I normally pay more than the minimum payment each month the Prosper loan with one monthly payment will be much easier to handle.? Hopefully there will be a better interest rate with Prosper.?? I have just retired from a job I held with the same company for 40 years.? I have started another job so I still have good income. ?My spouse is?employed and has been with the same company for 39 years.? My spouse will not be leaving the company for at least another 7 to 8 yrs.? There is no chance of a layoff in his position.? I am including this information to let all know that I have a good steady monthly income that will afford me to repay the Prosper loan.? My goal is to become debt free and this loan is a giant step towards that goal.
My financial situation:
I am a good candidate for this loan? I have a stellar payment history and very good credit.? I pride myself on taking care of my financial obligations.? I have no negative information on my credit report and would not have a problem with repayment?of this loan.
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
459450
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:
| $5,500.00 |
Prosper Rating:
| HR |
Auction Duration:
| 7 days
|
|
Term:
| 36 months |
Estimated loss:
| 34.5% | | |
| | | |
|
|
Starting lender yield:
| 18.99% |
Starting borrower rate/APR:
| 19.99% / 22.23% |
Starting monthly payment:
| $204.37 |
| |
|
Auction yield range:
| 16.99% - 18.99% |
Estimated loss impact:
| 35.56% | | |
|
Lender servicing fee:
| 1.00% |
Estimated return:
| -16.57% | | |
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-1998 |
Debt/Income ratio:
| Not calculated |
|
Basic (1-10):
| 1 |
Inquiries last 6m:
| 1 | Employment status: | Full-time employee |
| Enhanced (1-5): | 3 |
Current / open credit lines:
| 15
/
14 | Length of status: | 1y 6m |
|
Credit score:
| 620-639 (May-2010) |
Total credit lines:
| 54 |
Occupation: | Professional |
|
Now delinquent:
| 2 |
Revolving credit balance:
| $5,444 | Stated income: | $25,000-$49,999 |
|
Amount delinquent:
| $5,011 |
Bankcard utilization:
| 71% | | |
|
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| No | | |
|
Delinquencies in last 7y:
| 12 | | | | |
|
Screen name:
| techie88 |
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:
| 19 ( 90% )
| 620-639 (Latest)
|
|
Principal borrowed:
| $5,000.00 | < 31 days late:
| 2
( 10% )
| 620-639
(Apr-2008)
|
|
Principal balance:
| $0.00 |
31+ days late:
| 0
( 0% )
|
|
Total payments billed:
| 21 | | |
Description
Paying off unpaid school loan
Purpose of loan:
This loan will be used to payoff the remaining balance on my unpaid school debt used to obtain my Master's of Networking & Communication Management from Keller Graduate School of Technology. This is 1 of my 2, NOW Delinquent accounts I am attempting to settle.
My financial situation:
I am a good candidate for this loan because I have a job with guaranteed income that I can pay this loan off with. I have also demonstrated I will pay off this loan by paying off my previous Prosper loan ahead of schedule.
Monthly net income: $
2950.00
Monthly expenses: $
1842.00
??Housing: $
450.00
??Insurance: $ 97.00
??Car expenses: $ 120.00
??Utilities: $
200.00
??Phone, cable, internet: $ 125.00
??Food, entertainment: $
200.00
??Clothing, household expenses $
??Credit cards and other loans: $ 650.00
??Other expenses: $
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
459462
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:
| 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:
| $203.56 |
| |
|
Auction yield range:
| 16.99% - 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:
| Oct-1992 |
Debt/Income ratio:
| 6% |
|
Basic (1-10):
| 2 |
Inquiries last 6m:
| 0 | Employment status: | Full-time employee |
| Enhanced (1-5): | 5 |
Current / open credit lines:
| 3
/
4 | Length of status: | 5y 8m |
|
Credit score:
| 600-619 (May-2010) |
Total credit lines:
| 25 |
Occupation: | Professional |
|
Now delinquent:
| 4 |
Revolving credit balance:
| $443 | Stated income: | $100,000+ |
|
Amount delinquent:
| $9,321 |
Bankcard utilization:
| 59% | | |
|
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| Yes | | |
|
Delinquencies in last 7y:
| 19 | | | | |
|
Screen name:
| Bailador |
Borrower's state:
| Georgia |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
| Loan history | Payment history | Credit score history |
|
Active / total loans:
| 0 / 1 |
On-time:
| 31 ( 97% )
| 600-619 (Latest)
|
|
Principal borrowed:
| $5,000.00 | < 31 days late:
| 1
( 3% )
| 620-639
(Sep-2006)
|
|
Principal balance:
| $0.00 |
31+ days late:
| 0
( 0% )
|
|
Total payments billed:
| 32 | | |
Description
Motorcycle prior proper loan
This loan will be used to purchase 2010 Buell last year they will make them . For commuting.? I am a good candidate for this loan because I have previous history at prosper and when things were rough -1,700 net with a 9,000 income my prosper investors were there for me. So after tithe , my investor were next.?
And since then I been doing the Total Money Makeover. I? have downsized my living expenses and debt ratio. House went
upside down by 70,000 dollars bank could not shortsale for 9 months. Working as a Bilingual Field System Engineer deploying triple play for South America. This week working from Germany added to the Europe pool. Busy so far thanks to GOD. Reposting to lower the amount needed since I sold few things? Feel free to ask questions please.
Monthly net income: $ 4789
Monthly expenses: Housing: $ 450?? ? Insurance: $ 112 ?? Utilities: $ 45? Phone, cable, internet: $ 72? Food, entertainment: $ 250? Credit cards and other loans: $ 600
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
459468
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:
| 6.2% | | |
| | | |
|
|
Starting lender yield:
| 21.00% |
Starting borrower rate/APR:
| 22.00% / 24.26% |
Starting monthly payment:
| $229.14 |
| |
|
Auction yield range:
| 7.99% - 21.00% |
Estimated loss impact:
| 6.69% | | |
|
Lender servicing fee:
| 1.00% |
Estimated return:
| 14.31% | | |
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:
| Apr-1981 |
Debt/Income ratio:
| 29% |
|
Basic (1-10):
| 4 |
Inquiries last 6m:
| 5 | Employment status: | Retired |
| Enhanced (1-5): | 1 |
Current / open credit lines:
| 13
/
11 | Length of status: | 3y 3m |
|
Credit score:
| 800-819 (May-2010) |
Total credit lines:
| 38 | Stated income: | $25,000-$49,999 |
|
Now delinquent:
| 0 |
Revolving credit balance:
| $88,517 | |
|
Amount delinquent:
| $0 |
Bankcard utilization:
| 92% | | |
|
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| Yes | | |
|
Delinquencies in last 7y:
| 1 | | | | |
|
Screen name:
| top-repayment-accord |
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
AA Rating at C Rating Intrest Rate
NOTE: I realize my DTI is high and my Prosper Rating is low, but please note that I receive rental income which is not reported as verifiable income. I recently had a AA Prosper Rating and a 100% Funded Listing @ 8%, but Prosper cancelled by listing because they refuse to accept rental income. My Debt to Income Ratio was 19% and my Rating was AA with my Rental !!! I submitted my 1040 Schedule E as well as my bank statement proving my rental income, but the simply will not verify rental income. I have rented for 5yrs now and currently have a 2yr rental agreement.
You get AA Rating at a C Rating intrest rate and for me it is still better than 26% to Home Depot.
About myself
I am a mother of four adult children and five grandchildren. I pay my bills on time and have good credit. I have three sources of income and all three are stable. I receive Social Security Retirement Benefits, Veterans Affairs Surviving Spouse Benefits, and Rental Income. I have had a rental property for 5 yrs and it currently has tenants with a two year lease agreement.
How I plan on using funds:
I am working on paying off my high interest rate credit card bills. Recently I have run up some credit card bills remodeling and improving my rental property. These remodels were mostly put on store credit cards with high interest rates. I would like to lower my high interest credit cards and get rid of them.
Ability to Pay:
I have never filed for bankruptcy nor had a house foreclosed upon. I faithfully pay all of my bills and I have never neglected to honor any of my financial agreements. If I make a bill I plan on paying it in full. I have two houses, my primary residence and my rental, both of which I have over 50% equity in. This loan will not add additional debt as I plan on paying off the higher interest rate cards and using the money which I currently use on them to pay for this loan.
My monthly income is:
Social Security: $1,445
Veterans Affairs Surviving Spouse Benefits: $1,194
Rental: $1,400
Total: $4,039
Thank You ahead of time for your bids!
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
459480
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:
| 18.0% | | |
| | | |
|
|
Starting lender yield:
| 19.00% |
Starting borrower rate/APR:
| 20.00% / 22.49% |
Starting monthly payment:
| $55.75 |
| |
|
Auction yield range:
| 16.99% - 19.00% |
Estimated loss impact:
| 19.06% | | |
|
Lender servicing fee:
| 1.00% |
Estimated return:
| -0.06% | | |
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-1996 |
Debt/Income ratio:
| 13% |
|
Basic (1-10):
| 5 |
Inquiries last 6m:
| 3 | Employment status: | Full-time employee |
| Enhanced (1-5): | 2 |
Current / open credit lines:
| 5
/
3 | Length of status: | 12y 4m |
|
Credit score:
| 660-679 (May-2010) |
Total credit lines:
| 40 |
Occupation: | Clerical |
|
Now delinquent:
| 0 |
Revolving credit balance:
| $0 | Stated income: | $25,000-$49,999 |
|
Amount delinquent:
| $0 |
Bankcard utilization:
| 0% | | |
|
Public records last 12m / 10y:
| 0/ 1 |
Homeownership:
| No | | |
|
Delinquencies in last 7y:
| 12 | | | | |
|
Screen name:
| resolute-dime3 |
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
I need to fix the Air Conditioner!
Purpose of loan:
I need to get the Air conditioner in my van fixed so my toddler doesn't get too hot in the back?
My financial situation:
I am a good candidate for this loan because I have been employeed for 12 years
Monthly net income: $
1406.00
Monthly expenses: $
??Housing: $ 400
??Insurance: $?67
??Car expenses: $?600
??Utilities: $ 140
??Phone, cable, internet: $ 150
??Food, entertainment: $?100
??Clothing, household expenses $
??Credit cards and other loans: $ 87
??Other expenses: $
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
459486
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:
| 27.39% |
Starting borrower rate/APR:
| 28.39% / 30.74% |
Starting monthly payment:
| $415.75 |
| |
|
Auction yield range:
| 10.99% - 27.39% |
Estimated loss impact:
| 10.68% | | |
|
Lender servicing fee:
| 1.00% |
Estimated return:
| 16.71% | | |
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-1984 |
Debt/Income ratio:
| 20% |
|
Basic (1-10):
| 7 |
Inquiries last 6m:
| 0 | Employment status: | Full-time employee |
| Enhanced (1-5): | 5 |
Current / open credit lines:
| 21
/
16 | Length of status: | 12y 8m |
|
Credit score:
| 700-719 (May-2010) |
Total credit lines:
| 37 |
Occupation: | Professional |
|
Now delinquent:
| 0 |
Revolving credit balance:
| $28,046 | 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:
| ready-responsibility1 |
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 Credit Cards
Purpose of loan:
Pay down on my Debt, to eventually purchase a Business, to Increase Income.
My financial situation:
I currently gainfully employed, and want to lower my debt????
Monthly net income: $ 8,000 not including yearly 25% bonus
Monthly expenses: $ 6,800
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
459492
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:
| 19.07% |
Starting borrower rate/APR:
| 20.07% / 22.56% |
Starting monthly payment:
| $55.80 |
| |
|
Auction yield range:
| 7.99% - 19.07% |
Estimated loss impact:
| 6.94% | | |
|
Lender servicing fee:
| 1.00% |
Estimated return:
| 12.13% | | |
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:
| Aug-2007 |
Debt/Income ratio:
| 31% |
|
Basic (1-10):
| 9 |
Inquiries last 6m:
| 2 | Employment status: | Full-time employee |
| Enhanced (1-5): | 2 |
Current / open credit lines:
| 6
/
6 | Length of status: | 1y 11m |
|
Credit score:
| 640-659 (May-2010) |
Total credit lines:
| 6 |
Occupation: | Professional |
|
Now delinquent:
| 0 |
Revolving credit balance:
| $11,163 | Stated income: | $25,000-$49,999 |
|
Amount delinquent:
| $0 |
Bankcard utilization:
| 73% | | |
|
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| No | | |
|
Delinquencies in last 7y:
| 0 | | | | |
|
Screen name:
| value-jamboree |
Borrower's state:
| Oklahoma |
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 College
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
459498
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:
| $5,600.00 |
Prosper Rating:
| D |
Auction Duration:
| 7 days
|
|
Term:
| 36 months |
Estimated loss:
| 10.0% | | |
| | | |
|
|
Starting lender yield:
| 11.00% |
Starting borrower rate/APR:
| 12.00% / 14.13% |
Starting monthly payment:
| $186.00 |
| |
|
Auction yield range:
| 10.99% - 11.00% |
Estimated loss impact:
| 10.23% | | |
|
Lender servicing fee:
| 1.00% |
Estimated return:
| 0.77% | | |
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:
| 22% |
|
Basic (1-10):
| 8 |
Inquiries last 6m:
| 0 | Employment status: | Full-time employee |
| Enhanced (1-5): | 4 |
Current / open credit lines:
| 6
/
6 | Length of status: | 0y 5m |
|
Credit score:
| 640-659 (May-2010) |
Total credit lines:
| 21 |
Occupation: | Professional |
|
Now delinquent:
| 0 |
Revolving credit balance:
| $28,677 | 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:
| REITRUST2 |
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
Paying off Debt
Purpose of loan:
To pay off my Bank of America card that is currently at 24.24%.?? The interest rate is making it extremely hard to become debt free and I would rather pay interest to members of Prosper than Bank of America.?? I also think having a 3 year time frame will help ensure this debt is completely paid off quickly, I do intend to make extra payments and pay it off early.
My financial situation:
I am currently employed with a steady income with bonuses.? I own my own business as a photographer and have been shooting weddings, children and seniors for since 2002.?? I currently have 13 weddings this year that bring in extra income in the range of 650.00 to 1,500 per wedding.? You can see my work at http://www.BeAmourWeddings.com.
You will notice that I have never had a missed payment in my life!? I was out of work for 8 months and had a medical expense that unfortunately forced me to use my credit cards last year.? Even with the additional income from weddings, it still took a financial toll.?? My credit score as of today is a 713 through Experian and my oldest account is over 11 years old.? Basically my debt ratio is the only thing negative on my credit and why I am trying so hard to correct this ASAP.
I cannot stress that I will pay this loan off and never make a late payment.? I am a good risk.
Monthly net income:
$ 1,800.00 base with additional income coming from wedding photography and other photography.? I am currently engaged to REITRUST a lender on prosper.? He is currently paying the housing, insurance and car expenses to allow me to pay me debt down at a faster rate.??
Monthly expenses: $
??Housing: $ 0
??Insurance: $ 0
??Car expenses: $ 0
??Utilities: $ 0
??Phone, cable, internet: $ 80
??Food, entertainment: $ 150.00
??Clothing, household expenses $ 250.00
??Credit cards and other loans: $ 650.00 (this loan will elimated $166.00 due to bank of America)
??Other expenses: $ 350.00
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
459504
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:
| D |
Auction Duration:
| 7 days
|
|
Term:
| 36 months |
Estimated loss:
| 10.0% | | |
| | | |
|
|
Starting lender yield:
| 26.39% |
Starting borrower rate/APR:
| 27.39% / 29.73% |
Starting monthly payment:
| $205.17 |
| |
|
Auction yield range:
| 10.99% - 26.39% |
Estimated loss impact:
| 10.66% | | |
|
Lender servicing fee:
| 1.00% |
Estimated return:
| 15.73% | | |
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:
| Jun-1999 |
Debt/Income ratio:
| 51% |
|
Basic (1-10):
| 8 |
Inquiries last 6m:
| 1 | Employment status: | Full-time employee |
| Enhanced (1-5): | 1 |
Current / open credit lines:
| 22
/
21 | Length of status: | 9y 1m |
|
Credit score:
| 640-659 (May-2010) |
Total credit lines:
| 35 |
Occupation: | Retail Management |
|
Now delinquent:
| 0 |
Revolving credit balance:
| $54,925 | Stated income: | $25,000-$49,999 |
|
Amount delinquent:
| $0 |
Bankcard utilization:
| 93% | | |
|
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| Yes | | |
|
Delinquencies in last 7y:
| 0 | | | | |
|
Screen name:
| worth-igloo8 |
Borrower's state:
| Kentucky |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Description
Paying off debt to one payment
Purpose of loan:
This loan will be used to pay off debt and have one centrailized payment.? We are trying to adopt and want to get our debt down as much as possible.? I am good for the money,? I am a manager in?retail and work long hours so I never really have time to spend money.
My financial situation:
I am a good candidate for this loan because im a hard worker and like i stated before we work so much anymore that we dont have time to make our debt higher.? We?just need to get some high interest cards paid off and have one payment.? Please help and I promise you wont regret it.? We are saving now big time to get ready for an adoption.? We were young and silly with our money before but have come much more stable.
Monthly net income: $ 60000
Monthly expenses: $
??Housing: $ 1011
??Insurance: $ 120
??Car expenses: $ 180
??Utilities: $ 200
??Phone, cable, internet: $ 125
??Food, entertainment: $ 200
??Clothing, household expenses $
??Credit cards and other loans: $ 1000
??Other expenses: $
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
458813
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:
| $3,100.00 |
Prosper Rating:
| A |
Auction Duration:
| 7 days
|
|
Term:
| 36 months |
Estimated loss:
| 2.1% | | |
| | | |
|
|
Starting lender yield:
| 8.20% |
Starting borrower rate/APR:
| 9.20% / 11.30% |
Starting monthly payment:
| $98.87 |
| |
|
Auction yield range:
| 3.99% - 8.20% |
Estimated loss impact:
| 2.12% | | |
|
Lender servicing fee:
| 1.00% |
Estimated return:
| 6.08% | | |
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-2007 |
Debt/Income ratio:
| 11% |
|
Basic (1-10):
| 9 |
Inquiries last 6m:
| 1 | Employment status: | Full-time employee |
| Enhanced (1-5): | 4 |
Current / open credit lines:
| 3
/
3 | Length of status: | 2y 10m |
|
Credit score:
| 720-739 (May-2010) |
Total credit lines:
| 5 |
Occupation: | Doctor |
|
Now delinquent:
| 0 |
Revolving credit balance:
| $820 | Stated income: | $50,000-$74,999 |
|
Amount delinquent:
| $0 |
Bankcard utilization:
| 32% | | |
|
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| No | | |
|
Delinquencies in last 7y:
| 0 | | | | |
|
Screen name:
| felicity-multiplier8 |
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
Relocation expenses
Purpose of loan:
I need this loan to cover the expenses
related to the end of my residency training(board exam, graduation)
moving to a new place(relocation expenses) and starting a
new job(getting my medical license).
My financial situation:
I have a stable income, which will
actually increase in a few months when I will start working as a
hospitalist.
Monthly net income: $ 3300
Monthly expenses: $
??Housing: $
850 ????
??Insurance: $
100
??Car expenses: $
60
??Utilities: $
0
??Phone, cable, internet: $
80
??Food, entertainment: $
300
??Clothing, household expenses $
50
??Credit cards and other loans: $
560
??Other expenses: $
0
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
458821
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:
| 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:
| $339.27 |
| |
|
Auction yield range:
| 13.99% - 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:
| May-2001 |
Debt/Income ratio:
| 41% |
|
Basic (1-10):
| 6 |
Inquiries last 6m:
| 0 | Employment status: | Full-time employee |
| Enhanced (1-5): | 4 |
Current / open credit lines:
| 14
/
13 | Length of status: | 2y 1m |
|
Credit score:
| 660-679 (May-2010) |
Total credit lines:
| 38 |
Occupation: | Chemist |
|
Now delinquent:
| 0 |
Revolving credit balance:
| $7,801 | Stated income: | $25,000-$49,999 |
|
Amount delinquent:
| $0 |
Bankcard utilization:
| 85% | | |
|
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| No | | |
|
Delinquencies in last 7y:
| 2 | | | | |
|
Screen name:
| best-youthful-treasure |
Borrower's state:
| Mississippi |
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 my credit cards
Purpose of loan:
This loan will be used to pay off the majority of my credit cards and provide a fresh?financial start?for my new family.?I would like to purchase a home. In order to get approved for a mortgage,?I must decrease the amount of credit cards I have.
My financial situation:
I am a good candidate for this loan because I?have never defaulted on any loans. I make regular payments on all my accounts and am current on all accounts.
Monthly net income: $ 4000.00
Monthly expenses: $
??Housing: $ 540.00
??Insurance: $ 138.00?
??Car expenses: $ 200.00????
??Utilities: $?135.00
??Phone, cable, internet: $ 185.00
??Food, entertainment: $ 200.00????
??Clothing, household expenses $ 200.00
??Credit cards and other loans: $ 900.00
??Other expenses: $ 150.00
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
458949
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:
| 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:
| $452.36 |
| |
|
Auction yield range:
| 16.99% - 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:
| Sep-2000 |
Debt/Income ratio:
| 43% |
|
Basic (1-10):
| 3 |
Inquiries last 6m:
| 1 | Employment status: | Full-time employee |
| Enhanced (1-5): | 3 |
Current / open credit lines:
| 9
/
7 | Length of status: | 6y 11m |
|
Credit score:
| 660-679 (May-2010) |
Total credit lines:
| 14 |
Occupation: | Other |
|
Now delinquent:
| 0 |
Revolving credit balance:
| $4,182 | Stated income: | $25,000-$49,999 |
|
Amount delinquent:
| $0 |
Bankcard utilization:
| 88% | | |
|
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| No | | |
|
Delinquencies in last 7y:
| 1 | | | | |
|
Screen name:
| enchilada267 |
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
My Wedding
Purpose of loan:
This loan will be used to help pay for some wedding expenses. We're actually having our wedding out of the country, in the Philippines to be exact, for our family are mostly located there. My parents are helping us pay for the wedding but of course I wouldn't like for them to pay so much especially when the tickets are pretty expensive at this point. My main reason is to help leverage the expenses from both sides of the family. At least give us some breathing room. I know that some of yo have been in my shoes and either saved up money for this date or had the support of family friends. I hope you can be the support I need to make my wedding be a remarkable and memorable event in our lives.
My financial situation:
I am a good candidate for this loan because credit is important. I know the credit is the only thing that can keep you alive in this economy. I plan on paying this loan off as soon as possible. I work at a financial institution and I know that banks are restrictive to whom they give loans to now these days. The only thing I am paying is my house, student loan and a few credit cards. Other than that I am able to save money every month and I know I can be able to pay this off.
Monthly net income: $
Monthly expenses: $
??Housing: $?800
??Insurance: $ 53
??Car expenses: $ 150
??Utilities: $ 120
??Phone, cable, internet: $ 50
??Food, entertainment: $ 100
??Clothing, household expenses $ 50
??Credit cards and other loans: $ 220
??Other expenses: $
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
459317
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:
| 16.99% - 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:
| Aug-1993 |
Debt/Income ratio:
| 38% |
|
Basic (1-10):
| 5 |
Inquiries last 6m:
| 0 | Employment status: | Full-time employee |
| Enhanced (1-5): | 4 |
Current / open credit lines:
| 6
/
6 | Length of status: | 13y 1m |
|
Credit score:
| 700-719 (May-2010) |
Total credit lines:
| 14 |
Occupation: | Sales - Retail |
|
Now delinquent:
| 0 |
Revolving credit balance:
| $4,982 | Stated income: | $25,000-$49,999 |
|
Amount delinquent:
| $0 |
Bankcard utilization:
| 85% | | |
|
Public records last 12m / 10y:
| 0/ 1 |
Homeownership:
| No | | |
|
Delinquencies in last 7y:
| 0 | | | | |
|
Screen name:
| poorboy |
Borrower's state:
| Mississippi |
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:
| 22 ( 100% )
| 700-719 (Latest)
|
|
Principal borrowed:
| $3,000.00 | < 31 days late:
| 0
( 0% )
| 700-719
(Apr-2010)
700-719
(Mar-2010)
660-679
(Jun-2008)
680-699
(May-2008)
|
|
Principal balance:
| $1,544.31 |
31+ days late:
| 0
( 0% )
|
|
Total payments billed:
| 22 | | |
Description
paying off credit cards
Purpose of loan:
This loan will be used to? combine some debts into one payment
My financial situation:
I am a good candidate for this loan because? i make my payments every month but not getting the balance down. make my prosper payments every month.? also would pay off my? current loan with prosper.
Monthly net income: $ 1850.00
Monthly expenses: $
??Housing: $
??Insurance: $
??Car expenses: $ 420.00
??Utilities: $ 85.00
??Phone, cable, internet: $ 100.00
??Food, entertainment: $
??Clothing, household expenses $
??Credit cards and other loans: $ 700.00
??Other expenses: $
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
459323
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:
| $1,800.00 |
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:
| $81.42 |
| |
|
Auction yield range:
| 16.99% - 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:
| Oct-1995 |
Debt/Income ratio:
| 10% |
|
Basic (1-10):
| 5 |
Inquiries last 6m:
| 1 | Employment status: | Full-time employee |
| Enhanced (1-5): | 3 |
Current / open credit lines:
| 15
/
15 | Length of status: | 25y 4m |
|
Credit score:
| 600-619 (May-2010) |
Total credit lines:
| 43 |
Occupation: | Professional |
|
Now delinquent:
| 2 |
Revolving credit balance:
| $4,161 | Stated income: | $100,000+ |
|
Amount delinquent:
| $18,828 |
Bankcard utilization:
| 95% | | |
|
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| Yes | | |
|
Delinquencies in last 7y:
| 7 | | | | |
|
Screen name:
| stjresources |
Borrower's state:
| Maryland |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
| Loan history | Payment history | Credit score history |
|
Active / total loans:
| 1 / 1 |
On-time:
| 23 ( 100% )
| 600-619 (Latest)
|
|
Principal borrowed:
| $2,500.00 | < 31 days late:
| 0
( 0% )
| 600-619
(Apr-2010)
600-619
(May-2008)
600-619
(Apr-2008)
|
|
Principal balance:
| $376.04 |
31+ days late:
| 0
( 0% )
|
|
Total payments billed:
| 23 | | |
Description
Behind in mortgage payments
Purpose of loan:
This loan will be used to?pay for to catch up on my mortgage and gas and electric payments. I tried to save money by switching from Baltimore Gas & Electric to another provider. The new provider did not have budget billing, as did BG&E. I ended up with a one month Gas and Electric bill totaling 1184.00. I changed back to BGE, but the process took 2 months. My next bill was $700.00. I used my income tax return to pay down the high BGE bill or have my service terminated. Much too cold this winter for that. The income tax was supposed to be used to catch up on the mortgage; I was and am running one month behind. None of the new programs help you until you are 3 months behind, then you have to take the chance you will be approved.??It seemed all of my credit cards went berserk over the winter months, probably trying to beat the new credit card laws.? My elderly?parents (77 and 90) had?severe health problems over the winter months resulting in high cell phone bills- calls to doctors, nurses, rehabilitation facilities, mobility rides to appointments, special medication, etc. The cell phone bill went from 104 to 241 to 365.?I had to pay those so my parents could keep in touch.??One year ago, I also got 'caught up in the payday loan (PDL)?trap. I used a PDL assistance company to pay off the pay day loans?at 599.00 per month for 10 months. At one point, the pay day loans were taking almost my entire pay every 2 weeks.??Everything seems to have calmed down now.?Social services is helping to pay for the medicals and I added?my parents' phone onto a special plan so all calls to and from them are free.? The 1800 along with my pay will enable me to?catch up on both the BGE and the mortgage and stay current.? When I first submitted this request, it was for 3000, it is now 1800 because I am sending the mortgage company payments.??On a more positive note, I have a previous loan with Prosper, which was 2500.00. It has?been paid on time each month and is now down to less than 400.00.??
Monthly net income: $ 6,000.
Monthly expenses: $
??Housing: $ 2077
??Insurance: $ 52.00 (Life)
??Car expenses: $?145 (insurance) 80. (Gas)
??Utilities: $?563.0(budget billing)
??Phone, cable, internet: $ 139.?+214. +171.
??Food, entertainment: $ 100.00.
??Clothing, household expenses $ 80.00
??Credit cards and other loans: $ 130.00
??Other expenses: $ 100.00
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
459331
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:
| 18.0% | | |
| | | |
|
|
Starting lender yield:
| 34.00% |
Starting borrower rate/APR:
| 35.00% / 37.45% |
Starting monthly payment:
| $135.71 |
| |
|
Auction yield range:
| 16.99% - 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:
| Not calculated |
|
Basic (1-10):
| 5 |
Inquiries last 6m:
| 0 | Employment status: | Full-time employee |
| Enhanced (1-5): | 5 |
Current / open credit lines:
| 13
/
13 | Length of status: | 0y 8m |
|
Credit score:
| 640-659 (May-2010) |
Total credit lines:
| 25 |
Occupation: | Other |
|
Now delinquent:
| 0 |
Revolving credit balance:
| $14,133 | Stated income: | $25,000-$49,999 |
|
Amount delinquent:
| $0 |
Bankcard utilization:
| 99% | | |
|
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| No | | |
|
Delinquencies in last 7y:
| 0 | | | | |
|
Screen name:
| telescope136 |
Borrower's state:
| Tennessee |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Description
Paying off my bad habit
Purpose of loan:
This loan will be used to?
Pay off bills I still have from my twenties, and vacation money.
My financial situation:
I am a good candidate for this loan because?
I really need this help I am not a bad person.
net income: $
1,600
Monthly expenses: $
??Housing: $
??Insurance: $ 200
??Car expenses: $ 400
??Utilities: $
??Phone, cable, internet: $
??Food, entertainment: $ 30
??Clothing, household expenses $ 50
??Credit cards and other loans: $?400
??Other expenses: $
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
459335
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:
| 10.99% |
Starting borrower rate/APR:
| 11.99% / 14.12% |
Starting monthly payment:
| $332.10 |
| |
|
Auction yield range:
| 10.99% - 10.99% |
Estimated loss impact:
| 10.23% | | |
|
Lender servicing fee:
| 1.00% |
Estimated return:
| 0.76% | | |
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-1991 |
Debt/Income ratio:
| 13% |
|
Basic (1-10):
| 6 |
Inquiries last 6m:
| 4 | Employment status: | Full-time employee |
| Enhanced (1-5): | 5 |
Current / open credit lines:
| 9
/
7 | Length of status: | 0y 5m |
|
Credit score:
| 740-759 (May-2010) |
Total credit lines:
| 27 |
Occupation: | Sales - Commission |
|
Now delinquent:
| 0 |
Revolving credit balance:
| $25,947 | Stated income: | $75,000-$99,999 |
|
Amount delinquent:
| $0 |
Bankcard utilization:
| 56% | | |
|
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| Yes | | |
|
Delinquencies in last 7y:
| 0 | | | | |
|
Screen name:
| dsellers |
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
I need to consolidate debt
Purpose of loan:
This loan will be used to consolidate higher interest debt
My financial situation:
I am a good candidate for this loan because I am a responsible debtor. I repay my loans and will use this loan to repay them faster
Monthly net income: $
Monthly expenses: $
??Housing: $ 3600
??Insurance: $
??Car expenses: $
??Utilities: $ 500
??Phone, cable, internet: $ 200
??Food, entertainment: $
??Clothing, household expenses $
??Credit cards and other loans: $ 500
??Other expenses: $
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
459343
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:
| $5,800.00 |
Prosper Rating:
| A |
Auction Duration:
| 7 days
|
|
Term:
| 36 months |
Estimated loss:
| 2.1% | | |
| | | |
|
|
Starting lender yield:
| 7.75% |
Starting borrower rate/APR:
| 8.75% / 10.84% |
Starting monthly payment:
| $183.76 |
| |
|
Auction yield range:
| 3.99% - 7.75% |
Estimated loss impact:
| 2.12% | | |
|
Lender servicing fee:
| 1.00% |
Estimated return:
| 5.63% | | |
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-1995 |
Debt/Income ratio:
| Self-employed (DTI Not Calculated) |
|
Basic (1-10):
| 9 |
Inquiries last 6m:
| 0 | Employment status: | Self-employed |
| Enhanced (1-5): | 4 |
Current / open credit lines:
| 11
/
10 | Length of status: | 7y 4m |
|
Credit score:
| 760-779 (May-2010) |
Total credit lines:
| 20 |
Occupation: | Computer Programmer |
|
Now delinquent:
| 0 |
Revolving credit balance:
| $44,782 | Stated income: | $50,000-$74,999 |
|
Amount delinquent:
| $0 |
Bankcard utilization:
| 54% | | |
|
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| Yes | | |
|
Delinquencies in last 7y:
| 0 | | | | |
|
Screen name:
| commerce-maker2 |
Borrower's state:
| Kentucky |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Description
Home improvement debt payoff
Purpose of loan:
Pay off home improvements I had put on my credit card
My financial situation:
I consider myself a good candidate for this loan because I am going to?pay back this loan, and in less than 3 years.
I am proud to say I have:
?-?not been late on any type?payments in 13 years (pride),
?-?have never defaulted on a loan of any type. (honor)
I just did some home remodeling, and my credit card company hiked up my rate. I would rather pay that interest to like minded folks, and save a little money while doing it.
Pleae feel free to ask me any questions you would like - thank you for considering my loan!
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
459347
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:
| 16.99% - 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:
| May-1990 |
Debt/Income ratio:
| 46% |
|
Basic (1-10):
| 1 |
Inquiries last 6m:
| 5 | Employment status: | Full-time employee |
| Enhanced (1-5): | 1 |
Current / open credit lines:
| 10
/
9 | Length of status: | 4y 3m |
|
Credit score:
| 660-679 (May-2010) |
Total credit lines:
| 33 |
Occupation: | Nurse (LPN) |
|
Now delinquent:
| 4 |
Revolving credit balance:
| $1,587 | Stated income: | $50,000-$74,999 |
|
Amount delinquent:
| $12,897 |
Bankcard utilization:
| 55% | | |
|
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| Yes | | |
|
Delinquencies in last 7y:
| 2 | | | | |
|
Screen name:
| top-economy-matador |
Borrower's state:
| California |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Description
debt consolidation
Purpose of loan:
This loan will be used to? pay credit cards
My financial situation:
I am a good candidate for this loan because? I have an excellent credit history
Monthly net income: $ 2800
Monthly expenses: $
??Housing: $ 1000
??Insurance: $ 75
??Car expenses: $ 389
??Utilities: $ 50
??Phone, cable, internet: $ 0
??Food, entertainment: $ 50
??Clothing, household expenses $ 50
??Credit cards and other loans: $ 800
??Other expenses: $ 0
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
459353
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:
| D |
Auction Duration:
| 7 days
|
|
Term:
| 36 months |
Estimated loss:
| 10.0% | | |
| | | |
|
|
Starting lender yield:
| 25.39% |
Starting borrower rate/APR:
| 26.39% / 30.33% |
Starting monthly payment:
| $40.50 |
| |
|
Auction yield range:
| 10.99% - 25.39% |
Estimated loss impact:
| 10.63% | | |
|
Lender servicing fee:
| 1.00% |
Estimated return:
| 14.76% | | |
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:
| 34% |
|
Basic (1-10):
| 8 |
Inquiries last 6m:
| 3 | Employment status: | Full-time employee |
| Enhanced (1-5): | 2 |
Current / open credit lines:
| 8
/
6 | Length of status: | 0y 10m |
|
Credit score:
| 640-659 (May-2010) |
Total credit lines:
| 40 |
Occupation: | Administrative Assi... |
|
Now delinquent:
| 0 |
Revolving credit balance:
| $328 | Stated income: | $25,000-$49,999 |
|
Amount delinquent:
| $0 |
Bankcard utilization:
| 32% | | |
|
Public records last 12m / 10y:
| 0/ 1 |
Homeownership:
| No | | |
|
Delinquencies in last 7y:
| 24 | | | | |
|
Screen name:
| deal-dojo |
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
Help me rebuild my credit rating!!
Purpose of loan:
This loans purpose is to help me rebuild my credit rating. The funds from this loan will be used to REINVEST right back into prosper. I am currently an investor with prosper and really enjoy helping others. If I can help others while helping myself it's a win win!!! Please help me rebuild my credit history. Thank you very much!!!
My financial situation:
I am a good candidate for this loan because I have a stable job working at a local law firm. I have no other debt other than my home and a small credit card I'm also using to help rebuild my credit. Both my spouse and I work. Both of our cars are paid for in full and we have a decent sized savings.
Monthly net income: $ 4500
Monthly expenses: $
??Housing: $ 600
??Insurance: $ 150
??Car expenses: $ 150
??Utilities: $ 150
??Phone, cable, internet: $?100
??Food, entertainment: $?500
??Clothing, household expenses $ 200
??Credit cards and other loans: $?15??
??DayCare expenses: $ 1200
Please help me rebuild my credit history! THANK YOU!
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
459355
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:
| B |
Auction Duration:
| 7 days
|
|
Term:
| 36 months |
Estimated loss:
| 5.0% | | |
| | | |
|
|
Starting lender yield:
| 13.85% |
Starting borrower rate/APR:
| 14.85% / 17.02% |
Starting monthly payment:
| $415.10 |
| |
|
Auction yield range:
| 5.99% - 13.85% |
Estimated loss impact:
| 5.23% | | |
|
Lender servicing fee:
| 1.00% |
Estimated return:
| 8.62% | | |
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:
| Mar-1986 |
Debt/Income ratio:
| 16% |
|
Basic (1-10):
| 8 |
Inquiries last 6m:
| 0 | Employment status: | Full-time employee |
| Enhanced (1-5): | 5 |
Current / open credit lines:
| 10
/
10 | Length of status: | 2y 0m |
|
Credit score:
| 740-759 (May-2010) |
Total credit lines:
| 26 |
Occupation: | Computer Programmer |
|
Now delinquent:
| 0 |
Revolving credit balance:
| $12,160 | Stated income: | $75,000-$99,999 |
|
Amount delinquent:
| $0 |
Bankcard utilization:
| 42% | | |
|
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| Yes | | |
|
Delinquencies in last 7y:
| 0 | | | | |
|
Screen name:
| thryn |
Borrower's state:
| Missouri |
Borrower's group:
| GOT ZIP SUBSCRIBERS |
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
| Loan history | Payment history | Credit score history |
|
Active / total loans:
| 1 / 3 |
On-time:
| 42 ( 100% )
| 740-759 (Latest)
|
|
Principal borrowed:
| $9,100.00 | < 31 days late:
| 0
( 0% )
| 760-779
(Aug-2009)
760-779
(May-2008)
760-779
(May-2006)
720-739
(May-2006)
|
|
Principal balance:
| $1,672.71 |
31+ days late:
| 0
( 0% )
|
|
Total payments billed:
| 42 | | |
Description
My loan for debt consolidation
This listing has a higher likelihood to fund and therefore does not include a description. If you would like additional information from this borrower, please ask a question in the Q&A section below.
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
459359
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:
| 17.00% |
Starting borrower rate/APR:
| 18.00% / 20.21% |
Starting monthly payment:
| $90.38 |
| |
|
Auction yield range:
| 16.99% - 17.00% |
Estimated loss impact:
| 18.94% | | |
|
Lender servicing fee:
| 1.00% |
Estimated return:
| -1.94% | | |
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-1983 |
Debt/Income ratio:
| 31% |
|
Basic (1-10):
| 5 |
Inquiries last 6m:
| 5 | Employment status: | Full-time employee |
| Enhanced (1-5): | 2 |
Current / open credit lines:
| 35
/
31 | Length of status: | 19y 9m |
|
Credit score:
| 660-679 (May-2010) |
Total credit lines:
| 90 |
Occupation: | Professor |
|
Now delinquent:
| 0 |
Revolving credit balance:
| $18,622 | Stated income: | $100,000+ |
|
Amount delinquent:
| $0 |
Bankcard utilization:
| 79% | | |
|
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| Yes | | |
|
Delinquencies in last 7y:
| 0 | | | | |
|
Screen name:
| intrepid-camaraderi4 |
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
Pay off my credit cards
Purpose of loan:
This loan will be used to pay off my credit cards
My financial situation:
I am a good candidate for this loan because I have never made a late payment and always pay my debt and need this money.
Monthly net income: $ 7863.00
Monthly expenses: $
??Housing: $ 875
??Insurance: $?133
??Car expenses: $ 460
??Utilities: $ 190
??Phone, cable, internet: $?225
??Food, entertainment: $ 200
??Clothing, household expenses $ 100
??Credit cards and other loans: $ 450
??Other expenses: $ 900
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
459361
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:
| 19.00% |
Starting borrower rate/APR:
| 20.00% / 22.24% |
Starting monthly payment:
| $278.73 |
| |
|
Auction yield range:
| 16.99% - 19.00% |
Estimated loss impact:
| 35.56% | | |
|
Lender servicing fee:
| 1.00% |
Estimated return:
| -16.56% | | |
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:
| Not calculated |
|
Basic (1-10):
| 1 |
Inquiries last 6m:
| 3 | Employment status: | Full-time employee |
| Enhanced (1-5): | 1 |
Current / open credit lines:
| 4
/
3 | Length of status: | 5y 2m |
|
Credit score:
| 640-659 (May-2010) |
Total credit lines:
| 8 |
Occupation: | Truck Driver |
|
Now delinquent:
| 0 |
Revolving credit balance:
| $0 | Stated income: | $25,000-$49,999 |
|
Amount delinquent:
| $0 |
Bankcard utilization:
| 0% | | |
|
Public records last 12m / 10y:
| 0/ 1 |
Homeownership:
| No | | |
|
Delinquencies in last 7y:
| 4 | | | | |
|
Screen name:
| riveting-ore |
Borrower's state:
| Tennessee |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Description
buy apu for truck to save fuel
I am a good candidate for this loan because?
Monthly net income: $
Monthly expenses: $
??Housing: $ 350
??Insurance: $?179
?Car expenses: $ 600
??Utilities: $ 200
??Phone, cable, internet: $ 159
??Food, entertainment: $
??Clothing, household expenses $
??Credit cards and other loans: $
??Other expenses: $
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
459383
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:
| $1,200.00 |
Prosper Rating:
| C |
Auction Duration:
| 7 days
|
|
Term:
| 36 months |
Estimated loss:
| 6.5% | | |
| | | |
|
|
Starting lender yield:
| 18.90% |
Starting borrower rate/APR:
| 19.90% / 23.03% |
Starting monthly payment:
| $44.54 |
| |
|
Auction yield range:
| 7.99% - 18.90% |
Estimated loss impact:
| 6.94% | | |
|
Lender servicing fee:
| 1.00% |
Estimated return:
| 11.96% | | |
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-2000 |
Debt/Income ratio:
| Self-employed (DTI Not Calculated) |
|
Basic (1-10):
| 9 |
Inquiries last 6m:
| 0 | Employment status: | Self-employed |
| Enhanced (1-5): | 5 |
Current / open credit lines:
| 6
/
6 | Length of status: | 7y 4m |
|
Credit score:
| 680-699 (May-2010) |
Total credit lines:
| 6 |
Occupation: | Sales - Commission |
|
Now delinquent:
| 0 |
Revolving credit balance:
| $4,911 | Stated income: | $25,000-$49,999 |
|
Amount delinquent:
| $0 |
Bankcard utilization:
| 86% | | |
|
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| No | | |
|
Delinquencies in last 7y:
| 0 | | | | |
|
Screen name:
| lovely-euro9 |
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
My loan for debt consolidation
This listing has a higher likelihood to fund and therefore does not include a description. If you would like additional information from this borrower, please ask a question in the Q&A section below.
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
459389
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:
| 18.0% | | |
| | | |
|
|
Starting lender yield:
| 34.00% |
Starting borrower rate/APR:
| 35.00% / 37.45% |
Starting monthly payment:
| $135.71 |
| |
|
Auction yield range:
| 16.99% - 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-2001 |
Debt/Income ratio:
| 20% |
|
Basic (1-10):
| 5 |
Inquiries last 6m:
| 3 | Employment status: | Full-time employee |
| Enhanced (1-5): | 1 |
Current / open credit lines:
| 13
/
12 | Length of status: | 5y 0m |
|
Credit score:
| 640-659 (May-2010) |
Total credit lines:
| 27 |
Occupation: | Clerical |
|
Now delinquent:
| 0 |
Revolving credit balance:
| $7,401 | Stated income: | $25,000-$49,999 |
|
Amount delinquent:
| $0 |
Bankcard utilization:
| 95% | | |
|
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| No | | |
|
Delinquencies in last 7y:
| 4 | | | | |
|
Screen name:
| skyechristine |
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:
| 23 ( 100% )
| 640-659 (Latest)
|
|
Principal borrowed:
| $1,500.00 | < 31 days late:
| 0
( 0% )
| 600-619
(May-2008)
|
|
Principal balance:
| $622.12 |
31+ days late:
| 0
( 0% )
|
|
Total payments billed:
| 23 | | |
Description
My personal loan for my education
This listing has a higher likelihood to fund and therefore does not include a description. If you would like additional information from this borrower, please ask a question in the Q&A section below.
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
459395
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:
| D |
Auction Duration:
| 7 days
|
|
Term:
| 36 months |
Estimated loss:
| 10.0% | | |
| | | |
|
|
Starting lender yield:
| 25.25% |
Starting borrower rate/APR:
| 26.25% / 30.18% |
Starting monthly payment:
| $40.42 |
| |
|
Auction yield range:
| 10.99% - 25.25% |
Estimated loss impact:
| 10.62% | | |
|
Lender servicing fee:
| 1.00% |
Estimated return:
| 14.63% | | |
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-1994 |
Debt/Income ratio:
| 17% |
|
Basic (1-10):
| 7 |
Inquiries last 6m:
| 0 | Employment status: | Full-time employee |
| Enhanced (1-5): | 5 |
Current / open credit lines:
| 7
/
7 | Length of status: | 9y 10m |
|
Credit score:
| 640-659 (May-2010) |
Total credit lines:
| 22 |
Occupation: | Other |
|
Now delinquent:
| 1 |
Revolving credit balance:
| $4,321 | Stated income: | $50,000-$74,999 |
|
Amount delinquent:
| $144 |
Bankcard utilization:
| 105% | | |
|
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| No | | |
|
Delinquencies in last 7y:
| 1 | | | | |
|
Screen name:
| punctual-capital2 |
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
My personal loan
This listing has a higher likelihood to fund and therefore does not include a description. If you would like additional information from this borrower, please ask a question in the Q&A section below.
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
459399
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:
| 17.00% |
Starting borrower rate/APR:
| 18.00% / 20.21% |
Starting monthly payment:
| $90.38 |
| |
|
Auction yield range:
| 16.99% - 17.00% |
Estimated loss impact:
| 18.94% | | |
|
Lender servicing fee:
| 1.00% |
Estimated return:
| -1.94% | | |
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-2007 |
Debt/Income ratio:
| Self-employed (DTI Not Calculated) |
|
Basic (1-10):
| 4 |
Inquiries last 6m:
| 2 | Employment status: | Self-employed |
| Enhanced (1-5): | 2 |
Current / open credit lines:
| 6
/
6 | Length of status: | 5y 4m |
|
Credit score:
| 660-679 (May-2010) |
Total credit lines:
| 25 |
Occupation: | Other |
|
Now delinquent:
| 0 |
Revolving credit balance:
| $2,653 | Stated income: | $25,000-$49,999 |
|
Amount delinquent:
| $0 |
Bankcard utilization:
| 39% | | |
|
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| No | | |
|
Delinquencies in last 7y:
| 0 | | | | |
|
Screen name:
| Soulgoodproductions |
Borrower's state:
| Georgia |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
| Loan history | Payment history | Credit score history |
|
Active / total loans:
| 1 / 1 |
On-time:
| 22 ( 100% )
| 660-679 (Latest)
|
|
Principal borrowed:
| $1,000.00 | < 31 days late:
| 0
( 0% )
| 660-679
(Apr-2010)
540-559
(Jun-2008)
|
|
Principal balance:
| $514.81 |
31+ days late:
| 0
( 0% )
|
|
Total payments billed:
| 22 | | |
Description
New Business venture
Purpose of loan:
This loan will be used to? Is to fund a new business to help support my family more and spend more time with them. If I get the money to get this business on the move it will begin to make money itself.and then I can provide more for my family. We have a child on the way and the way I work now I'll have no time for my family but this Production could open up doors for me.I am also?taking the production to going on the road with the potential of six figure income through out the years plus it will expand my computer retail and repair business I currently have. I just asking for a little help. Prosper helped me once and I didn't let them down now I'm asking for a little more help and I promise I won't let you down. Please help. Thanking you in advance.
My financial situation:
I am a good candidate for this loan because? My credit score is 712 as of 5-18-2010?and the money will drafted out of my account every month just as my last loan. Plus I own and operate a computer repair business that does well I just have to work long long hours but I have to do what I have to do.
Monthly net income: $ 1700
Monthly expenses: $
??Housing: $ 200
??Insurance: $ 75
??Car expenses: $ 180
??Utilities: $ 50
??Phone, cable, internet: $ 50
??Food, entertainment: $ 200
??Clothing, household expenses $ 150
??Credit cards and other loans: $ 125
??Other expenses: $
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
459401
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:
| $1,400.00 |
Prosper Rating:
| C |
Auction Duration:
| 7 days
|
|
Term:
| 36 months |
Estimated loss:
| 6.5% | | |
| | | |
|
|
Starting lender yield:
| 19.07% |
Starting borrower rate/APR:
| 20.07% / 22.75% |
Starting monthly payment:
| $52.08 |
| |
|
Auction yield range:
| 7.99% - 19.07% |
Estimated loss impact:
| 6.94% | | |
|
Lender servicing fee:
| 1.00% |
Estimated return:
| 12.13% | | |
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:
| Aug-2001 |
Debt/Income ratio:
| 19% |
|
Basic (1-10):
| 9 |
Inquiries last 6m:
| 4 | Employment status: | Full-time employee |
| Enhanced (1-5): | 3 |
Current / open credit lines:
| 10
/
8 | Length of status: | 1y 9m |
|
Credit score:
| 660-679 (May-2010) |
Total credit lines:
| 36 |
Occupation: | Professor |
|
Now delinquent:
| 0 |
Revolving credit balance:
| $2,379 | 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:
| 0 | | | | |
|
Screen name:
| yield-glider |
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:
| 1 / 1 |
On-time:
| 8 ( 89% )
| 660-679 (Latest)
|
|
Principal borrowed:
| $2,500.00 | < 31 days late:
| 1
( 11% )
| 660-679
(Jul-2009)
|
|
Principal balance:
| $1,933.91 |
31+ days late:
| 0
( 0% )
|
|
Total payments billed:
| 9 | | |
Description
Urgent car repairs
Purpose of loan:
My car needs several urgent repairs, unfortunately all at once (power steering problems, brake problems, electrical). While I do not like to incur any new debt, my emergency savings are not particularly strong yet, so I'll have a better peace of mind if I could partially (the total estimate is $1,750) finance the repairs, considering the low monthly liability. Thank you very much for your interest and for your help.
My financial situation:
I am a good candidate for this loan because 1) I am currently single with no dependents and 2) I have a very secure job (a tenure-track professor at a major state university), 3) I'm young and healthy, and 4) my lifestyle is pretty simple and conservative. I've always been meticulous about maintaining a good credit (please see my credit data - in 9 years, I've never had a late payment). I intend to buy a house in about 3-4 years, so obviously I will continue maintaining a good credit. The total amount of all my debts is $ 21,000, which includes my student loans, my car loan, and credit cards. My total monthly payment on all debts combined is $960 (see below).
A special note regarding my job: tenured and tenure track college professor jobs are probably among the most secure ones, even in a troubled economic environment because they cannot be terminated without a cause (e.g. gross misconduct). I've received outstanding evaluations (and the corresponding merit raises) 2 years in a row, so professionally and income-wise I'm very secure. Thus the job security I enjoy is an additional reassurance of my credit worthiness, in addition to the record of no credit delinquencies.
Please feel free to ask me any clarification questions.
Thanks once again for your consideration.
Monthly net income: $
$ 3,780
Monthly expenses: $
??Housing: $795
??Insurance: $60
??Car expenses: $250 (gas/oil; the car payment - $300 - is lumped into the total debt payment below)
??Utilities: $220
??Phone, cable, internet: $ 200
??Food, entertainment: $600
??Clothing, household expenses $ 250
??Credit cards and other loans: $ 960 (TOTAL debt payments, including car payment;),
??Other expenses: $120 (gym), $ 30 (dog), $ 200 (sent monthly to my mother), $ 200 (emergency savings)
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
459405
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:
| B |
Auction Duration:
| 7 days
|
|
Term:
| 36 months |
Estimated loss:
| 5.0% | | |
| | | |
|
|
Starting lender yield:
| 13.85% |
Starting borrower rate/APR:
| 14.85% / 17.02% |
Starting monthly payment:
| $415.10 |
| |
|
Auction yield range:
| 5.99% - 13.85% |
Estimated loss impact:
| 5.23% | | |
|
Lender servicing fee:
| 1.00% |
Estimated return:
| 8.62% | | |
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:
| Jan-1980 |
Debt/Income ratio:
| 27% |
|
Basic (1-10):
| 8 |
Inquiries last 6m:
| 0 | Employment status: | Full-time employee |
| Enhanced (1-5): | 4 |
Current / open credit lines:
| 12
/
12 | Length of status: | 5y 4m |
|
Credit score:
| 740-759 (May-2010) |
Total credit lines:
| 44 |
Occupation: | Engineer - Chemical |
|
Now delinquent:
| 0 |
Revolving credit balance:
| $45,354 | 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:
| commitment-saga6 |
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
My loan for debt consolidation
My wife is a Middle School Teacher, and earns $74,000 annually.? Our combined income is $192,000, which can be verified with pay stubs.?
We have two sons, the younger one just finishing his Sophomore year at Northwestern University.? We would like to replace our high interest credit cards with a loan from Prosper, so that we can become debt free in a timely manner.
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
459413
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:
| AA |
Auction Duration:
| 7 days
|
|
Term:
| 36 months |
Estimated loss:
| 1.5% | | |
| | | |
|
|
Starting lender yield:
| 9.30% |
Starting borrower rate/APR:
| 10.30% / 10.65% |
Starting monthly payment:
| $486.12 |
| |
|
Auction yield range:
| 2.99% - 9.30% |
Estimated loss impact:
| 1.51% | | |
|
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:
| Aug-1993 |
Debt/Income ratio:
| 33% |
|
Basic (1-10):
| 9 |
Inquiries last 6m:
| 0 | Employment status: | Full-time employee |
| Enhanced (1-5): | 5 |
Current / open credit lines:
| 15
/
15 | Length of status: | 0y 10m |
|
Credit score:
| 800-819 (May-2010) |
Total credit lines:
| 40 |
Occupation: | Accountant/CPA |
|
Now delinquent:
| 0 |
Revolving credit balance:
| $11,490 | Stated income: | $75,000-$99,999 |
|
Amount delinquent:
| $0 |
Bankcard utilization:
| 17% | | |
|
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| Yes | | |
|
Delinquencies in last 7y:
| 1 | | | | |
|
Screen name:
| leverage-wildebeest |
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
My loan for debt consolidation
This listing has a higher likelihood to fund and therefore does not include a description. If you would like additional information from this borrower, please ask a question in the Q&A section below.
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
459417
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:
| E |
Auction Duration:
| 7 days
|
|
Term:
| 36 months |
Estimated loss:
| 14.0% | | |
| | | |
|
|
Starting lender yield:
| 23.00% |
Starting borrower rate/APR:
| 24.00% / 26.29% |
Starting monthly payment:
| $78.47 |
| |
|
Auction yield range:
| 13.99% - 23.00% |
Estimated loss impact:
| 15.04% | | |
|
Lender servicing fee:
| 1.00% |
Estimated return:
| 7.96% | | |
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:
| 10% |
|
Basic (1-10):
| 6 |
Inquiries last 6m:
| 3 | Employment status: | Full-time employee |
| Enhanced (1-5): | 2 |
Current / open credit lines:
| 6
/
3 | Length of status: | 1y 3m |
|
Credit score:
| 660-679 (May-2010) |
Total credit lines:
| 9 |
Occupation: | Truck Driver |
|
Now delinquent:
| 0 |
Revolving credit balance:
| $1,213 | Stated income: | $1-$24,999 |
|
Amount delinquent:
| $0 |
Bankcard utilization:
| 0% | | |
|
Public records last 12m / 10y:
| 0/ 1 |
Homeownership:
| Yes | | |
|
Delinquencies in last 7y:
| 0 | | | | |
|
Screen name:
| rico08 |
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:
| 7 ( 100% )
| 660-679 (Latest)
|
|
Principal borrowed:
| $7,000.00 | < 31 days late:
| 0
( 0% )
| 680-699
(Jun-2008)
680-699
(Apr-2008)
|
|
Principal balance:
| $0.00 |
31+ days late:
| 0
( 0% )
|
|
Total payments billed:
| 7 | | |
Description
Building a garage
Purpose of loan:
This loan will be used to?
Build a seperate garage from my home.
My financial situation:
I always pay off my loans early and on time.
Monthly net income: $ 1800
Monthly expenses: $
??Housing: $ 690
??Insurance: $ 30
??Car expenses: $ 20
??Utilities: $ 120
??Phone, cable, internet: $?0
??Food, entertainment: $ 200
??Clothing, household expenses $ 10
??Credit cards and other loans: $ 51
??Other expenses: $
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
459429
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:
| E |
Auction Duration:
| 7 days
|
|
Term:
| 36 months |
Estimated loss:
| 14.7% | | |
| | | |
|
|
Starting lender yield:
| 34.00% |
Starting borrower rate/APR:
| 36.00% / 38.47% |
Starting monthly payment:
| $91.61 |
| |
|
Auction yield range:
| 13.99% - 34.00% |
Estimated loss impact:
| 16.27% | | |
|
Lender servicing fee:
| 1.00% |
Estimated return:
| 17.73% | | |
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:
| Dec-1998 |
Debt/Income ratio:
| 12% |
|
Basic (1-10):
| 8 |
Inquiries last 6m:
| 1 | Employment status: | Full-time employee |
| Enhanced (1-5): | 3 |
Current / open credit lines:
| 34
/
33 | Length of status: | 0y 4m |
|
Credit score:
| 600-619 (May-2010) |
Total credit lines:
| 42 |
Occupation: | Nurse (LPN) |
|
Now delinquent:
| 0 |
Revolving credit balance:
| $76,430 | Stated income: | $100,000+ |
|
Amount delinquent:
| $0 |
Bankcard utilization:
| 97% | | |
|
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| No | | |
|
Delinquencies in last 7y:
| 0 | | | | |
|
Screen name:
| mic1rbc |
Borrower's state:
| Texas |
Borrower's group:
| PsychDoc'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:
| 0 / 1 |
On-time:
| 29 ( 100% )
| 600-619 (Latest)
|
|
Principal borrowed:
| $1,500.00 | < 31 days late:
| 0
( 0% )
| 600-619
(May-2006)
|
|
Principal balance:
| $0.02 |
31+ days late:
| 0
( 0% )
|
|
Total payments billed:
| 29 | | |
Description
Paying off bills
Purpose of loan:
This loan will be used to? to pay off some bille
My financial situation:
I am a good candidate for this loan because?? I have paid all my bills ontime for past 6 yrs.
Monthly net income: $ 12,000 (household income)
Monthly expenses: $
??Housing: $ 1600
??Insurance: $ 250
??Car expenses: $ 700
??Utilities: $ 200
??Phone, cable, internet: $ 130
??Food, entertainment: $ 600
??Clothing, household expenses $
??Credit cards and other loans: $ 1200
??Other expenses: $
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
459431
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:
| $9,000.00 |
Prosper Rating:
| HR |
Auction Duration:
| 7 days
|
|
Term:
| 36 months |
Estimated loss:
| 18.0% | | |
| | | |
|
|
Starting lender yield:
| 17.00% |
Starting borrower rate/APR:
| 18.00% / 20.21% |
Starting monthly payment:
| $325.37 |
| |
|
Auction yield range:
| 16.99% - 17.00% |
Estimated loss impact:
| 18.94% | | |
|
Lender servicing fee:
| 1.00% |
Estimated return:
| -1.94% | | |
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):
| 4 |
Inquiries last 6m:
| 2 | Employment status: | Self-employed |
| Enhanced (1-5): | 3 |
Current / open credit lines:
| 4
/
3 | Length of status: | 2y 8m |
|
Credit score:
| 680-699 (May-2010) |
Total credit lines:
| 12 |
Occupation: | Professional |
|
Now delinquent:
| 0 |
Revolving credit balance:
| $1,258 | Stated income: | $50,000-$74,999 |
|
Amount delinquent:
| $0 |
Bankcard utilization:
| 27% | | |
|
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
Debt consolidation (lower interest)
Purpose
of loan:
This loan will be used pay off another loan which is at a higher rate of 32%. I would be saving a lot of money in interest.
My
financial situation:
Good credit score, good credit history, no delinquent accounts, no late payments ever.
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
459447
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:
| A |
Auction Duration:
| 7 days
|
|
Term:
| 36 months |
Estimated loss:
| 2.1% | | |
| | | |
|
|
Starting lender yield:
| 8.34% |
Starting borrower rate/APR:
| 9.34% / 11.44% |
Starting monthly payment:
| $63.92 |
| |
|
Auction yield range:
| 3.99% - 8.34% |
Estimated loss impact:
| 2.12% | | |
|
Lender servicing fee:
| 1.00% |
Estimated return:
| 6.22% | | |
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:
| Sep-2006 |
Debt/Income ratio:
| Not calculated |
|
Basic (1-10):
| 9 |
Inquiries last 6m:
| 0 | Employment status: | Not employed |
| Enhanced (1-5): | 3 |
Current / open credit lines:
| 4
/
4 | Length of status: | 0y 11m |
|
Credit score:
| 760-779 (May-2010) |
Total credit lines:
| 5 | Stated income: | Not employed |
|
Now delinquent:
| 0 |
Revolving credit balance:
| $0 | |
|
Amount delinquent:
| $0 |
Bankcard utilization:
| 0% | | |
|
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| No | | |
|
Delinquencies in last 7y:
| 0 | | | | |
|
Screen name:
| best-sweet-leverage |
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 for College
Purpose of loan:
This loan will be used to pay for my last two quarters of school, summer and fall, and for rent.
My financial situation: I moved last year and had to quit my job, I had money saved up to last me a school year but with the new increase in tuition, I'm out of money for the last leg of my education.
I am a good candidate for this loan because I have always paid my bills on time and am using it for a good cause.
Monthly net income: $
Monthly expenses: $
??Housing: $200
??Insurance: $
??Car expenses: $ 120
??Utilities: $
??Phone, cable, internet: $
??Food, entertainment: $ 200
??Clothing, household expenses $
??Credit cards and other loans: $
??Other expenses: $ 300
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
459453
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:
| 17.00% |
Starting borrower rate/APR:
| 18.00% / 20.21% |
Starting monthly payment:
| $542.29 |
| |
|
Auction yield range:
| 16.99% - 17.00% |
Estimated loss impact:
| 18.94% | | |
|
Lender servicing fee:
| 1.00% |
Estimated return:
| -1.94% | | |
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:
| 35% |
|
Basic (1-10):
| 5 |
Inquiries last 6m:
| 1 | Employment status: | Full-time employee |
| Enhanced (1-5): | 3 |
Current / open credit lines:
| 11
/
10 | Length of status: | 5y 2m |
|
Credit score:
| 680-699 (May-2010) |
Total credit lines:
| 18 |
Occupation: | Civil Service |
|
Now delinquent:
| 0 |
Revolving credit balance:
| $23,226 | Stated income: | $50,000-$74,999 |
|
Amount delinquent:
| $0 |
Bankcard utilization:
| 92% | | |
|
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| Yes | | |
|
Delinquencies in last 7y:
| 0 | | | | |
|
Screen name:
| madbeefer |
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.
Prosper Activity
| Loan history | Payment history | Credit score history |
|
Active / total loans:
| 1 / 1 |
On-time:
| 25 ( 100% )
| 680-699 (Latest)
|
|
Principal borrowed:
| $1,300.00 | < 31 days late:
| 0
( 0% )
| 560-579
(Apr-2008)
560-579
(Mar-2008)
|
|
Principal balance:
| $482.00 |
31+ days late:
| 0
( 0% )
|
|
Total payments billed:
| 25 | | |
Description
Finishing the landscaping
Purpose of loan:
This loan will be used to? Finish the landscaping around my house. I lost a good amount of money to a contractor that didnt complete his work and when?I beat him in court he refuses to pay and has nothing for me to put a lien against. I had to hire another contactor to complete his work and now I need to finish the overall job.
My financial situation:
I am a good candidate for this loan because? I work for the federal government therefor my income is very steady. I have also never been late on my other prosper loan.
Monthly net income: $ 6000
Monthly expenses: $
??Housing: $ 1700
??Insurance: $ 100
??Car expenses: $516?
??Utilities: $ 150
??Phone, cable, internet: $60
??Food, entertainment: $ 200
??Clothing, household expenses $100
??Credit cards and other loans: $ 400
??Other expenses: $ 300
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
459459
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:
| 34.00% |
Starting borrower rate/APR:
| 35.00% / 37.45% |
Starting monthly payment:
| $361.89 |
| |
|
Auction yield range:
| 16.99% - 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:
| Aug-2004 |
Debt/Income ratio:
| 143% |
|
Basic (1-10):
| 5 |
Inquiries last 6m:
| 1 | Employment status: | Part-time employee |
| Enhanced (1-5): | 1 |
Current / open credit lines:
| 7
/
6 | Length of status: | 1y 9m |
|
Credit score:
| 640-659 (May-2010) |
Total credit lines:
| 16 |
Occupation: | Sales - Commission |
|
Now delinquent:
| 0 |
Revolving credit balance:
| $39,241 | Stated income: | $1-$24,999 |
|
Amount delinquent:
| $0 |
Bankcard utilization:
| 90% | | |
|
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| No | | |
|
Delinquencies in last 7y:
| 0 | | | | |
|
Screen name:
| first-class-credit329 |
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
Refinance car from credit card
Purpose of loan:
This loan will be used to refinance my car, which I originally purchased on my credit card.
My financial situation: I originally purchased a car with my boyfriend (now ex-), who quickly helping me pay it off on my credit card until we broke up. I am a recent college graduate and have been unable to work as much as I would like. I recently came into a new job, which will double my monthly net income listed below in a couple of months to come. Though, left unaided by my ex-, I have still been responsible about making the credit cards in a timely and consistent manner. However, it scares me to have a high revolving balance on my credit card. I still live at home and my parents are very helpful with all my necessary expenses, as my income serves more for a personal use.
I am a good candidate for this loan because I am very responsible: I am timely and consistent in my payments, even in not so ideal situations as described in my financial situation.
Monthly net income: $ 900
Monthly expenses: $
??Housing: $0
??Insurance: $0
??Car expenses: $60
??Utilities: $0
??Phone, cable, internet: $60
??Food, entertainment: $120
??Clothing, household expenses $50
??Credit cards and other loans: $500, what i usually send to pay off car on credit card which I am trying to refinance
??Other expenses: $0
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
459471
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:
| C |
Auction Duration:
| 7 days
|
|
Term:
| 36 months |
Estimated loss:
| 6.5% | | |
| | | |
|
|
Starting lender yield:
| 18.90% |
Starting borrower rate/APR:
| 19.90% / 23.68% |
Starting monthly payment:
| $37.11 |
| |
|
Auction yield range:
| 7.99% - 18.90% |
Estimated loss impact:
| 6.94% | | |
|
Lender servicing fee:
| 1.00% |
Estimated return:
| 11.96% | | |
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:
| Not calculated |
|
Basic (1-10):
| 9 |
Inquiries last 6m:
| 0 | Employment status: | Full-time employee |
| Enhanced (1-5): | 5 |
Current / open credit lines:
| 8
/
7 | Length of status: | 1y 11m |
|
Credit score:
| 660-679 (May-2010) |
Total credit lines:
| 9 |
Occupation: | Administrative Assi... |
|
Now delinquent:
| 0 |
Revolving credit balance:
| $4,717 | Stated income: | $25,000-$49,999 |
|
Amount delinquent:
| $0 |
Bankcard utilization:
| 87% | | |
|
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| No | | |
|
Delinquencies in last 7y:
| 0 | | | | |
|
Screen name:
| chalucas |
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
My personal loan
This listing has a higher likelihood to fund and therefore does not include a description. If you would like additional information from this borrower, please ask a question in the Q&A section below.
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
459489
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:
| A |
Auction Duration:
| 7 days
|
|
Term:
| 36 months |
Estimated loss:
| 2.1% | | |
| | | |
|
|
Starting lender yield:
| 9.20% |
Starting borrower rate/APR:
| 10.20% / 12.31% |
Starting monthly payment:
| $323.61 |
| |
|
Auction yield range:
| 3.99% - 9.20% |
Estimated loss impact:
| 2.12% | | |
|
Lender servicing fee:
| 1.00% |
Estimated return:
| 7.08% | | |
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:
| 30% |
|
Basic (1-10):
| 9 |
Inquiries last 6m:
| 0 | Employment status: | Full-time employee |
| Enhanced (1-5): | 5 |
Current / open credit lines:
| 13
/
13 | Length of status: | 13y 2m |
|
Credit score:
| 780-799 (May-2010) |
Total credit lines:
| 39 |
Occupation: | Other |
|
Now delinquent:
| 0 |
Revolving credit balance:
| $27,575 | Stated income: | $50,000-$74,999 |
|
Amount delinquent:
| $0 |
Bankcard utilization:
| 51% | | |
|
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| Yes | | |
|
Delinquencies in last 7y:
| 0 | | | | |
|
Screen name:
| alleylou |
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.
Prosper Activity
| Loan history | Payment history | Credit score history |
|
Active / total loans:
| 1 / 1 |
On-time:
| 4 ( 67% )
| 780-799 (Latest)
|
|
Principal borrowed:
| $10,000.00 | < 31 days late:
| 1
( 17% )
| 780-799
(Oct-2009)
780-799
(Mar-2008)
|
|
Principal balance:
| $8,559.31 |
31+ days late:
| 1
( 17% )
|
|
Total payments billed:
| 6 | | |
Description
My loan for home improvement
This listing has a higher likelihood to fund and therefore does not include a description. If you would like additional information from this borrower, please ask a question in the Q&A section below.
Information in the Description is not verified.