Listing Report:Supplement No. 256 dated Jun 03, 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
416776
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-1989 |
Debt/Income ratio:
| 36% |
|
Basic (1-10):
| 7 |
Inquiries last 6m:
| 0 | Employment status: | Full-time employee |
| Enhanced (1-5): | 4 |
Current / open credit lines:
| 12
/
11 | Length of status: | 9y 6m |
|
Credit score:
| 660-679 (May-2010) |
Total credit lines:
| 27 |
Occupation: | Other |
|
Now delinquent:
| 0 |
Revolving credit balance:
| $19,041 | Stated income: | $50,000-$74,999 |
|
Amount delinquent:
| $0 |
Bankcard utilization:
| 90% | | |
|
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| Yes | | |
|
Delinquencies in last 7y:
| 0 | | | | |
|
Screen name:
| granby607 |
Borrower's state:
| NewYork |
Borrower's group:
| Automotive Technicians |
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:
| $3,500.00 | < 31 days late:
| 0
( 0% )
| 740-759
(Apr-2009)
660-679
(Feb-2007)
|
|
Principal balance:
| $0.00 |
31+ days late:
| 0
( 0% )
|
|
Total payments billed:
| 35 | | |
Description
home improvment
Our home repair project last summer went over budget. We applied for a loan through Prosper and while it was being funded Prosper cancelled all loan requests because of their legal modifacations.? We used credit cards to cover the unexpected extra our contractor needed.?This was a poor choice on our part made in haste. During the recent credit crunch, our card issuers raised our rates and lowered our available credit.? You can see this for yourself by looking at our Prosper history and comparing total card debt and debt percentage used between last loan and this loan.??
? Please consider our credit score of last summer (Apr. 2009) when we 1st. requested this loan. Nothing has changed since then... All pmts always made to EVERYONE.?
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
457782
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
|
Amount:
| $25,000.00 |
Prosper Rating:
| C |
Auction Duration:
| 7 days
|
|
Term:
| 36 months |
Estimated loss:
| 8.5% | | |
| | | |
|
|
Starting lender yield:
| 24.57% |
Starting borrower rate/APR:
| 25.57% / 27.88% |
Starting monthly payment:
| $1,001.55 |
| |
|
Auction yield range:
| 7.99% - 24.57% |
Estimated loss impact:
| 9.09% | | |
|
Lender servicing fee:
| 1.00% |
Estimated return:
| 15.48% | | |
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-1972 |
Debt/Income ratio:
| 35% |
|
Basic (1-10):
| 5 |
Inquiries last 6m:
| 0 | Employment status: | Full-time employee |
| Enhanced (1-5): | 5 |
Current / open credit lines:
| 21
/
21 | Length of status: | 16y 9m |
|
Credit score:
| 780-799 (Jun-2010) |
Total credit lines:
| 37 |
Occupation: | Teacher |
|
Now delinquent:
| 0 |
Revolving credit balance:
| $38,898 | Stated income: | $50,000-$74,999 |
|
Amount delinquent:
| $0 |
Bankcard utilization:
| 42% | | |
|
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| Yes | | |
|
Delinquencies in last 7y:
| 0 | | | | |
|
Screen name:
| favorable-integrity199 |
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
Putting in a new a media room
Purpose of loan:
This loan will be used to remodel my gameroom and turn it into a Home theater/media room?which will be used when I host the shepard group from?our church?at our home.
My financial situation:
I am a good candidate for this loan because I have a perfect credit history and the income from my employment as a teacher as well as the income from my business, and Social Security it?will be more than enough to cover the monthly payments for this loan.
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
459638
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:
| $17,941.00 |
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:
| $648.52 |
| |
|
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:
| Jul-1995 |
Debt/Income ratio:
| 48% |
|
Basic (1-10):
| 4 |
Inquiries last 6m:
| 0 | Employment status: | Full-time employee |
| Enhanced (1-5): | 2 |
Current / open credit lines:
| 7
/
6 | Length of status: | 1y 4m |
|
Credit score:
| 640-659 (May-2010) |
Total credit lines:
| 21 |
Occupation: | Computer Programmer |
|
Now delinquent:
| 0 |
Revolving credit balance:
| $32,657 | Stated income: | $25,000-$49,999 |
|
Amount delinquent:
| $0 |
Bankcard utilization:
| 94% | | |
|
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| No | | |
|
Delinquencies in last 7y:
| 0 | | | | |
|
Screen name:
| self-reliant-coin |
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
Prosper Loan
Purpose of loan:
This loan will be used to? Pay off credit card.
My financial situation:
I am a good candidate for this loan because?
Monthly net income: $
Monthly expenses: $
??Housing: $ 425
??Insurance: $
??Car expenses: $
??Utilities: $ 120
??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
460016
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:
| 16.99% |
Starting borrower rate/APR:
| 17.99% / 20.20% |
Starting monthly payment:
| $108.44 |
| |
|
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:
| Jan-2001 |
Debt/Income ratio:
| 17% |
|
Basic (1-10):
| 4 |
Inquiries last 6m:
| 2 | Employment status: | Full-time employee |
| Enhanced (1-5): | 3 |
Current / open credit lines:
| 6
/
6 | Length of status: | 0y 8m |
|
Credit score:
| 660-679 (May-2010) |
Total credit lines:
| 13 |
Occupation: | Other |
|
Now delinquent:
| 3 |
Revolving credit balance:
| $713 | Stated income: | $25,000-$49,999 |
|
Amount delinquent:
| $8,749 |
Bankcard utilization:
| 38% | | |
|
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| No | | |
|
Delinquencies in last 7y:
| 1 | | | | |
|
Screen name:
| payment-idol2 |
Borrower's state:
| NewJersey |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Description
My loan for debt consolidation
Purpose of loan:
This loan will be used to pay off lawyer bill?
My financial situation:
I am a good candidate for this loan because i am paying my accounts on time. The repo from Toyota was from being a co-signer with my babies' father whom I had to separate because of domestic violence. When he was arrested the police would not hand over te car beucase I was only a co-signer, not registered. Tried to work with Toyota and they did not help at all and said it?is not their problem. My own accounts are on good standing.?
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
460382
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
|
Amount:
| $3,000.00 |
Prosper Rating:
| C |
Auction Duration:
| 7 days
|
|
Term:
| 36 months |
Estimated loss:
| 7.0% | | |
| | | |
|
|
Starting lender yield:
| 19.94% |
Starting borrower rate/APR:
| 20.94% / 23.19% |
Starting monthly payment:
| $112.93 |
| |
|
Auction yield range:
| 7.99% - 19.94% |
Estimated loss impact:
| 7.47% | | |
|
Lender servicing fee:
| 1.00% |
Estimated return:
| 12.47% | | |
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
|
Prosper scores:
| |
First credit line:
| Mar-2001 |
Debt/Income ratio:
| 17% |
|
Basic (1-10):
| 6 |
Inquiries last 6m:
| 4 | Employment status: | Full-time employee |
| Enhanced (1-5): | 4 |
Current / open credit lines:
| 9
/
6 | Length of status: | 2y 5m |
|
Credit score:
| 760-779 (May-2010) |
Total credit lines:
| 22 |
Occupation: | Professional |
|
Now delinquent:
| 0 |
Revolving credit balance:
| $2,861 | Stated income: | $50,000-$74,999 |
|
Amount delinquent:
| $0 |
Bankcard utilization:
| 24% | | |
|
Public records last 12m / 10y:
| 0/ 1 |
Homeownership:
| Yes | | |
|
Delinquencies in last 7y:
| 0 | | | | |
|
Screen name:
| observatory252 |
Borrower's state:
| California |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Description
Pay off credit cards
Purpose of loan:
This loan will be used to?pay the remaining balances on my three Chase credit cards so that I may avoid the high interest rates they impose.?
My financial situation:
I am a good candidate for this loan because?I have an excellent payment history.? I have consistently paid all of my debts on time and have never defaulted.? I highly value my credit and protect it at all costs.? The public record that I have?is a lien that has been fully satisfied and released as of 2005.? The only reason that I have?it is because my father?had set up an UGMA account through?E-Trade when I was a minor.? If you know?how UGMAs work, then you know that the account?has two social security numbers?attached to it initially.? The grantor and the minor's social security numbers.? Upon?the age of majority, the child of the account becomes the sole owner of the account and the grantor's social security number drops off.? Well,?my father realized the gains in the account while?I was a minor never paid the income taxes on the?cap gains.? So, instead of inheriting a college fund, I?inherited a tax liability of about $3,000 at age?eighteen.? It wasn't until my wages were being garnished as a young adult did I find out about all this.??Long story short?I had to pay the balance myself and the lien has been released.? A copy of the release of lien can be provided.??????
Monthly net income: $5-6k
Monthly expenses: $
??Housing: $1606 + HOA dues =?$1715?
??Insurance: $175
??Car expenses: $450 + gas = 550?????
??Utilities: $100?????????????????
??Phone, cable, internet: $200?????
??Food, entertainment: $200
??Clothing, household expenses $50
??Credit cards and other loans: $75
??Other expenses: $0
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
460748
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:
| 34.00% |
Starting borrower rate/APR:
| 35.00% / 37.45% |
Starting monthly payment:
| $407.12 |
| |
|
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-1997 |
Debt/Income ratio:
| 23% |
|
Basic (1-10):
| 4 |
Inquiries last 6m:
| 1 | Employment status: | Full-time employee |
| Enhanced (1-5): | 5 |
Current / open credit lines:
| 13
/
12 | Length of status: | 4y 5m |
|
Credit score:
| 700-719 (May-2010) |
Total credit lines:
| 27 |
Occupation: | Other |
|
Now delinquent:
| 0 |
Revolving credit balance:
| $10,204 | Stated income: | $50,000-$74,999 |
|
Amount delinquent:
| $0 |
Bankcard utilization:
| 66% | | |
|
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| No | | |
|
Delinquencies in last 7y:
| 0 | | | | |
|
Screen name:
| cash-arboretum |
Borrower's state:
| California |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Description
Great Credit & No Missed payments
Purpose of loan:
This loan will be used to? Consolidate credit card payments
My financial situation:
I am a good candidate for this loan because? I have never missed a payment
Monthly net income: $
5000
Monthly expenses: $
??Housing: $ 600
??Insurance: $
??Car expenses: $ 250
??Utilities: $?112
??Phone, cable, internet: $ 75
??Food, entertainment: $ 200
??Clothing, household expenses $
??Credit cards and other loans: $ 300
??Other expenses: $
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
460790
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
|
Amount:
| $7,500.00 |
Prosper Rating:
| HR |
Auction Duration:
| 7 days
|
|
Term:
| 36 months |
Estimated loss:
| 18.0% | | |
| | | |
|
|
Starting lender yield:
| 34.00% |
Starting borrower rate/APR:
| 35.00% / 37.45% |
Starting monthly payment:
| $339.27 |
| |
|
Auction yield range:
| 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-1979 |
Debt/Income ratio:
| 53% |
|
Basic (1-10):
| 5 |
Inquiries last 6m:
| 1 | Employment status: | Retired |
| Enhanced (1-5): | 2 |
Current / open credit lines:
| 15
/
12 | Length of status: | 21y 10m |
|
Credit score:
| 640-659 (May-2010) |
Total credit lines:
| 41 | Stated income: | $25,000-$49,999 |
|
Now delinquent:
| 0 |
Revolving credit balance:
| $4,658 | |
|
Amount delinquent:
| $0 |
Bankcard utilization:
| 78% | | |
|
Public records last 12m / 10y:
| 0/ 1 |
Homeownership:
| Yes | | |
|
Delinquencies in last 7y:
| 0 | | | | |
|
Screen name:
| knights484 |
Borrower's state:
| Minnesota |
Borrower's group:
| Have Money - Will Bid |
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
| Loan history | Payment history | Credit score history |
|
Active / total loans:
| 1 / 1 |
On-time:
| 32 ( 94% )
| 640-659 (Latest)
|
|
Principal borrowed:
| $7,800.00 | < 31 days late:
| 2
( 6% )
| 600-619
(Jun-2007)
600-619
(May-2007)
600-619
(Mar-2007)
|
|
Principal balance:
| $592.76 |
31+ days late:
| 0
( 0% )
|
|
Total payments billed:
| 34 | | |
Description
Relist - Consolidating debts
Purpose of loan:
This loan will be used to? pay off debts incurred when I fell off my roof May 23, 2009.? I broke both ankles and my tibia and fibula bones.? Because I was not taken to a Veterans Hospital, I have expenses I am responsible for paying.? The initial bill was for $30,000.
My financial situation:
I am a good candidate for this loan because? I have faithfully repaid my current loan with Prosper.? My final payment on that loan is July 2010.? I? have also been paying off debts as I am able to continue bringing my credit score up.? Since my last loan, I have raised my credit score 40 points.? This loan will help me pay high interest loans I had to use when I fell off the roof.? With a Prosper payment of $350, and the rest of my monthly expenses, I will still have $1229 left to take care of any unexpected emergencies.? I also take care of my 90 year old mother.? Her monthly income of $1150 is available to be used as additional income towards the approval of my loan.
Monthly net income: $ 4275
Monthly expenses: $ 2696
??Housing: $ 653
??Insurance: $ 201
??Car expenses: $ 120
??Utilities: $ 55
??Phone, cable, internet: $ 129
??Food, entertainment: $ 250
??Clothing, household expenses $ 150
??Credit cards and other loans: $?1138
??Other expenses: $ 0
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
460822
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:
| $18,000.00 |
Prosper Rating:
| C |
Auction Duration:
| 7 days
|
|
Term:
| 36 months |
Estimated loss:
| 7.0% | | |
| | | |
|
|
Starting lender yield:
| 11.00% |
Starting borrower rate/APR:
| 12.00% / 14.13% |
Starting monthly payment:
| $597.86 |
| |
|
Auction yield range:
| 7.99% - 11.00% |
Estimated loss impact:
| 7.23% | | |
|
Lender servicing fee:
| 1.00% |
Estimated return:
| 3.77% | | |
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:
| Jul-1997 |
Debt/Income ratio:
| 39% |
|
Basic (1-10):
| 7 |
Inquiries last 6m:
| 0 | Employment status: | Full-time employee |
| Enhanced (1-5): | 5 |
Current / open credit lines:
| 10
/
10 | Length of status: | 6y 3m |
|
Credit score:
| 760-779 (Jun-2010) |
Total credit lines:
| 32 |
Occupation: | Other |
|
Now delinquent:
| 0 |
Revolving credit balance:
| $20,281 | Stated income: | $50,000-$74,999 |
|
Amount delinquent:
| $0 |
Bankcard utilization:
| 43% | | |
|
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| Yes | | |
|
Delinquencies in last 7y:
| 0 | | | | |
|
Screen name:
| fleon7 |
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
Paying off my credit cards
Purpose of loan:
This loan will be used to pay off my credit card debit that I let get out of hand. I know that I can repay my loan amount on time if not sooner. I have moved?in with my parents so I?will not?have any rent to pay. ?
My financial situation:
I am a good candidate for this loan because I have a steady job and with a yearly income of about $56,000.
Monthly net income: $3200
Monthly expenses: $
??Housing: $0?
??Insurance: $50
??Car expenses: $0
??Utilities: $100
??Phone, cable, internet: $100
??Food, entertainment: $150
??Clothing, household expenses $100
??Credit cards and other loans: $500
??Other expenses: $0
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
460880
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:
| 25.0% | | |
| | | |
|
|
Starting lender yield:
| 34.00% |
Starting borrower rate/APR:
| 35.00% / 37.45% |
Starting monthly payment:
| $248.80 |
| |
|
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:
| Dec-1987 |
Debt/Income ratio:
| Not calculated |
|
Basic (1-10):
| 2 |
Inquiries last 6m:
| 2 | Employment status: | Full-time employee |
| Enhanced (1-5): | 4 |
Current / open credit lines:
| 9
/
9 | Length of status: | 11y 9m |
|
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
Pay Off Debt, Medical Bills & Plan
Purpose of loan:
This loan will be used to......?pay off 4 credit cards that I used to live while on medical leave from work.? Due to an unexpected incident, I underwent two surgeries, 10 months of Physical Therapy everyday and now I have outstanding medical Bills to pay off.? ?Right before this incident happened I had just become engaged and had started planning for my wedding that is scheduled for the end of this year.? Due to all the events of the past year, I have depleted everything that I had saved up in my savings account for my wedding.
My financial situation:
I am a good candidate for this loan because...... I have good work ethics and longevity with my employer. ?I pay my bills on time every month and try to pay more than the minimum payment when able. ?I paid off my car a year ago which only has 25,500 miles on it.? Due to the unexpected surgeries, I need your help.? I believe that a loan will allow me to make just one payment a month at one interest rate.
By the end of this year, I will be receiving a settlement due to the 2009 incident that put me through two surgeries and 10 months of Physical Therapy.? After I pay the entire balance of the Prosper Loan, I plan to become an investor to "pay it forward" to help others having money difficulties in similar situations.? Your ability and choice to invest will make a difference in mine and other people?s lives financially.? This is a generous gesture that will be greatly appreciated and never forgotten.? Thank you for your time, efforts and consideration.
Monthly net income: $ 4,400
Monthly expenses: $
??Housing: $ 650.00
??Insurance: $ 115.00
??Car expenses: $60.00?????
??Utilities: $ 0
??Phone, cable, internet: $150.00
??Food, entertainment: $ 75.00
??Clothing, household expenses $25?
??Credit cards and other loans: $ 9500
??Other expenses: $ 20.00
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
460882
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:
| $9,950.00 |
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:
| $450.10 |
| |
|
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:
| Aug-2001 |
Debt/Income ratio:
| 23% |
|
Basic (1-10):
| 2 |
Inquiries last 6m:
| 9 | Employment status: | Full-time employee |
| Enhanced (1-5): | 3 |
Current / open credit lines:
| 6
/
6 | Length of status: | 2y 3m |
|
Credit score:
| 680-699 (May-2010) |
Total credit lines:
| 16 |
Occupation: | Analyst |
|
Now delinquent:
| 0 |
Revolving credit balance:
| $7,624 | Stated income: | $50,000-$74,999 |
|
Amount delinquent:
| $0 |
Bankcard utilization:
| 58% | | |
|
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| No | | |
|
Delinquencies in last 7y:
| 3 | | | | |
|
Screen name:
| deal-exec8 |
Borrower's state:
| NewJersey |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Description
Pay off my student loans
Purpose of loan:
I am now 5 years removed from grad school and I have paid off 80% of my $50K Citi Assist student loan. Now the full balance has come due and I need a short-term loan to pay off the remaining total owed.? I greatly appreciate your consideration and I won't let you down!
My financial situation:
I work two good jobs: A Financial Analyst by day and a Web Developer at night. I am due for a bonus at work which will be used to pay the majority of this loan. All of my bills have been paid 100% on time for the past 4 years.
Monthly net income: $ 5,500 = 3,500 (Day Job) + 2,000 (Night Job)
Monthly expenses: $ 2,100
Housing: $ 600
Insurance: $ 150
Car expenses: $ 350
Utilities: $ 100
Food, entertainment: $ 500
Credit cards and other loans: $ 300
Other expenses: $100
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
460990
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
|
Amount:
| $1,000.00 |
Prosper Rating:
| HR |
Auction Duration:
| 7 days
|
|
Term:
| 36 months |
Estimated loss:
| 18.0% | | |
| | | |
|
|
Starting lender yield:
| 34.00% |
Starting borrower rate/APR:
| 35.00% / 39.15% |
Starting monthly payment:
| $45.24 |
| |
|
Auction yield range:
| 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-1998 |
Debt/Income ratio:
| 37% |
|
Basic (1-10):
| 5 |
Inquiries last 6m:
| 2 | Employment status: | Retired |
| Enhanced (1-5): | 3 |
Current / open credit lines:
| 12
/
11 | Length of status: | 4y 1m |
|
Credit score:
| 680-699 (Jun-2010) |
Total credit lines:
| 22 | Stated income: | $25,000-$49,999 |
|
Now delinquent:
| 1 |
Revolving credit balance:
| $8,431 | |
|
Amount delinquent:
| $1,746 |
Bankcard utilization:
| 49% | | |
|
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| No | | |
|
Delinquencies in last 7y:
| 1 | | | | |
|
Screen name:
| fund-expert2 |
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 bills
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
460994
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:
| 29.00% |
Starting borrower rate/APR:
| 30.00% / 32.38% |
Starting monthly payment:
| $636.77 |
| |
|
Auction yield range:
| 16.99% - 29.00% |
Estimated loss impact:
| 19.69% | | |
|
Lender servicing fee:
| 1.00% |
Estimated return:
| 9.31% | | |
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:
| Mar-2005 |
Debt/Income ratio:
| 67% |
|
Basic (1-10):
| 4 |
Inquiries last 6m:
| 1 | Employment status: | Full-time employee |
| Enhanced (1-5): | 4 |
Current / open credit lines:
| 10
/
10 | Length of status: | 5y 2m |
|
Credit score:
| 720-739 (Jun-2010) |
Total credit lines:
| 14 |
Occupation: | Sales - Retail |
|
Now delinquent:
| 0 |
Revolving credit balance:
| $6,401 | Stated income: | $1-$24,999 |
|
Amount delinquent:
| $0 |
Bankcard utilization:
| 42% | | |
|
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| No | | |
|
Delinquencies in last 7y:
| 0 | | | | |
|
Screen name:
| important-openness2 |
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 off my credit cards/vehicle
Purpose of loan:
This loan will be used to pay off my credit card debt and also, pay off my vehicle loan.
My financial situation:
I am a good candidate for this loan because I have never missed a payment and I'm keeping my credit history in good standings.I am currently full-time employed as "in-stock supervisor" at Target Company in Norman, OK. I have been working with Target for the past 5 years. My income is $1850/monthly and my only monthly expenses are my credit card bills ($190), my car loan ($210), car insurance ($60) and other ($230).
All the other expenses (housing, utilities, phone, cable internet, food, clothing, household expenses) are covered by my husband which makes 60k/year.
Monthly net income: $
1850
Monthly expenses: $
??Housing: $
0 ????
??Insurance: $
60
??Car expenses: $50
??Utilities: $
0
??Phone, cable, internet: $
0
??Food, entertainment: $
50
??Clothing, household expenses $100
??Credit cards and other loans: $
400
??Other expenses: $
30
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
461000
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:
| E |
Auction Duration:
| 7 days
|
|
Term:
| 36 months |
Estimated loss:
| 14.0% | | |
| | | |
|
|
Starting lender yield:
| 33.29% |
Starting borrower rate/APR:
| 34.29% / 36.73% |
Starting monthly payment:
| $179.34 |
| |
|
Auction yield range:
| 13.99% - 33.29% |
Estimated loss impact:
| 15.54% | | |
|
Lender servicing fee:
| 1.00% |
Estimated return:
| 17.75% | | |
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-1987 |
Debt/Income ratio:
| 28% |
|
Basic (1-10):
| 6 |
Inquiries last 6m:
| 1 | Employment status: | Full-time employee |
| Enhanced (1-5): | 2 |
Current / open credit lines:
| 9
/
8 | Length of status: | 11y 6m |
|
Credit score:
| 660-679 (May-2010) |
Total credit lines:
| 40 |
Occupation: | Other |
|
Now delinquent:
| 0 |
Revolving credit balance:
| $2,567 | Stated income: | $25,000-$49,999 |
|
Amount delinquent:
| $0 |
Bankcard utilization:
| 72% | | |
|
Public records last 12m / 10y:
| 0/ 1 |
Homeownership:
| Yes | | |
|
Delinquencies in last 7y:
| 10 | | | | |
|
Screen name:
| GIMOKE9717 |
Borrower's state:
| Utah |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
| Loan history | Payment history | Credit score history |
|
Active / total loans:
| 0 / 1 |
On-time:
| 19 ( 95% )
| 660-679 (Latest)
|
|
Principal borrowed:
| $7,500.00 | < 31 days late:
| 1
( 5% )
| 640-659
(Sep-2009)
640-659
(Mar-2008)
640-659
(Jan-2008)
|
|
Principal balance:
| $0.00 |
31+ days late:
| 0
( 0% )
|
|
Total payments billed:
| 20 | | |
Description
Consolidation loan
Purpose of loan:
I'm applying for this loan to consolidate?a credit card account and to pay off a bill for some home repairs.?
My financial situation:
I?feel I am a good canidate for this loan?because of my past credit history with Prosper.??The last loan I had through Prosper was paid in full early.??I?feel like my?financial situation is also improving.? The credit card was?used for schooling and?I should be receiving a promotion at work.? My credit score has also improved since my last loan with Prosper.??The interest rate that I'm?paying on the credit card is similar to the rate?on this loan (29.99%).??The loan that I had to get for home repairs has a very high rate.? I needed the money fairly fast so?I took?out a?payday loan.? The interest rate on that is over 300%.??Only interst payments are being taken out of my account each month.??The interest payment is $330.00. If I could payoff that loan along with the credit card, I'd be saving?about $200.00 per month.???The new loan would?save me money monthly and also lower my bankcard utilization %.??So, my credit score should improve?even more.? I have every intention to pay this loan off early as well.? ??Please let me know if you have any other questions.? I appreciate your time!
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
461008
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:
| 18.0% | | |
| | | |
|
|
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:
| 20.01% | | |
|
Lender servicing fee:
| 1.00% |
Estimated return:
| 13.99% | | |
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
|
Prosper scores:
| |
First credit line:
| Dec-1999 |
Debt/Income ratio:
| 38% |
|
Basic (1-10):
| 4 |
Inquiries last 6m:
| 1 | Employment status: | Full-time employee |
| Enhanced (1-5): | 3 |
Current / open credit lines:
| 7
/
6 | Length of status: | 1y 1m |
|
Credit score:
| 640-659 (May-2010) |
Total credit lines:
| 10 |
Occupation: | Other |
|
Now delinquent:
| 0 |
Revolving credit balance:
| $1,585 | Stated income: | $1-$24,999 |
|
Amount delinquent:
| $0 |
Bankcard utilization:
| 73% | | |
|
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| No | | |
|
Delinquencies in last 7y:
| 0 | | | | |
|
Screen name:
| scholarly-gold2 |
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
Credit Card
My monthly income is: $1,500
Wifes: $3,000
I always pay my bills on time, I would like to pay off my high interest credit card. Please help. Thank you.
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
461014
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
|
Amount:
| $1,000.00 |
Prosper Rating:
| A |
Auction Duration:
| 7 days
|
|
Term:
| 36 months |
Estimated loss:
| 2.1% | | |
| | | |
|
|
Starting lender yield:
| 8.34% |
Starting borrower rate/APR:
| 9.34% / 12.89% |
Starting monthly payment:
| $31.96 |
| |
|
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:
| Jun-1991 |
Debt/Income ratio:
| 134% |
|
Basic (1-10):
| 9 |
Inquiries last 6m:
| 0 | Employment status: | Full-time employee |
| Enhanced (1-5): | 2 |
Current / open credit lines:
| 6
/
6 | Length of status: | 9y 11m |
|
Credit score:
| 700-719 (Jun-2010) |
Total credit lines:
| 9 |
Occupation: | Other |
|
Now delinquent:
| 0 |
Revolving credit balance:
| $62,803 | Stated income: | $1-$24,999 |
|
Amount delinquent:
| $0 |
Bankcard utilization:
| 102% | | |
|
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| No | | |
|
Delinquencies in last 7y:
| 0 | | | | |
|
Screen name:
| sincere-peace5 |
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
pay down card
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
461024
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:
| AA |
Auction Duration:
| 7 days
|
|
Term:
| 36 months |
Estimated loss:
| 0.6% | | |
| | | |
|
|
Starting lender yield:
| 6.10% |
Starting borrower rate/APR:
| 7.10% / 7.44% |
Starting monthly payment:
| $46.38 |
| |
|
Auction yield range:
| 2.99% - 6.10% |
Estimated loss impact:
| 0.60% | | |
|
Lender servicing fee:
| 1.00% |
Estimated return:
| 5.50% | | |
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:
| Jan-2002 |
Debt/Income ratio:
| 34% |
|
Basic (1-10):
| 10 |
Inquiries last 6m:
| 1 | Employment status: | Full-time employee |
| Enhanced (1-5): | 4 |
Current / open credit lines:
| 14
/
11 | Length of status: | 4y 8m |
|
Credit score:
| 740-759 (May-2010) |
Total credit lines:
| 17 |
Occupation: | Engineer - Mechanic... |
|
Now delinquent:
| 0 |
Revolving credit balance:
| $1,718 | Stated income: | $25,000-$49,999 |
|
Amount delinquent:
| $0 |
Bankcard utilization:
| 10% | | |
|
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| No | | |
|
Delinquencies in last 7y:
| 0 | | | | |
|
Screen name:
| auction-tiger989 |
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 an auto purchase
This borrower was not required to write a description based on the listing's likelihood to fund.
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
461036
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:
| $20,000.00 |
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:
| $904.72 |
| |
|
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:
| Jun-2000 |
Debt/Income ratio:
| 57% |
|
Basic (1-10):
| 1 |
Inquiries last 6m:
| 0 | Employment status: | Full-time employee |
| Enhanced (1-5): | 3 |
Current / open credit lines:
| 10
/
10 | Length of status: | 4y 8m |
|
Credit score:
| 660-679 (Jun-2010) |
Total credit lines:
| 29 |
Occupation: | Sales - Commission |
|
Now delinquent:
| 1 |
Revolving credit balance:
| $22,500 | Stated income: | $50,000-$74,999 |
|
Amount delinquent:
| $931 |
Bankcard utilization:
| 100% | | |
|
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| Yes | | |
|
Delinquencies in last 7y:
| 0 | | | | |
|
Screen name:
| magical-ore1 |
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
Consolidating debt
Purpose of loan:
This loan will be used to consolidate my debt. I have a lot of small loans that I am needing to get down to one payment. This will allow my family and myself to be financially more stable and get our finances under control.
My financial situation:
I am a good candidate for this loan because I am not someone who? is trying to?just get rid of my debt. I know this way my mistake and I want to pay it back.?My wife and I go?to work everyday trying to create a better life for our daughter.?This loan will be paid every month on time with out any questions asked.?
Monthly net income: $ 3600 before commision
Monthly expenses: $
??Housing: $ 889.99????
??Insurance: $ 63.00
??Car expenses: $ 100.00
??Utilities: $ 50.00
??Phone, cable, internet: $ 300.00
??Food, entertainment: $?400.00
??Clothing, household expenses $ 100.00
??Credit cards and other loans: $ 250.00
??Other expenses: $ 100.00
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
461038
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
|
Amount:
| $2,500.00 |
Prosper Rating:
| D |
Auction Duration:
| 7 days
|
|
Term:
| 36 months |
Estimated loss:
| 10.0% | | |
| | | |
|
|
Starting lender yield:
| 18.25% |
Starting borrower rate/APR:
| 19.25% / 21.48% |
Starting monthly payment:
| $91.96 |
| |
|
Auction yield range:
| 10.99% - 18.25% |
Estimated loss impact:
| 10.43% | | |
|
Lender servicing fee:
| 1.00% |
Estimated return:
| 7.82% | | |
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
|
Prosper scores:
| |
First credit line:
| Jun-1993 |
Debt/Income ratio:
| 40% |
|
Basic (1-10):
| 8 |
Inquiries last 6m:
| 0 | Employment status: | Full-time employee |
| Enhanced (1-5): | 4 |
Current / open credit lines:
| 9
/
8 | Length of status: | 2y 0m |
|
Credit score:
| 660-679 (May-2010) |
Total credit lines:
| 55 |
Occupation: | Other |
|
Now delinquent:
| 0 |
Revolving credit balance:
| $12,484 | Stated income: | $1-$24,999 |
|
Amount delinquent:
| $0 |
Bankcard utilization:
| 92% | | |
|
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| Yes | | |
|
Delinquencies in last 7y:
| 0 | | | | |
|
Screen name:
| hope-sergeant8 |
Borrower's state:
| Georgia |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Description
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
461042
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:
| 25.25% |
Starting borrower rate/APR:
| 26.25% / 28.84% |
Starting monthly payment:
| $60.64 |
| |
|
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:
| Jul-2000 |
Debt/Income ratio:
| 22% |
|
Basic (1-10):
| 7 |
Inquiries last 6m:
| 0 | Employment status: | Part-time employee |
| Enhanced (1-5): | 5 |
Current / open credit lines:
| 4
/
2 | Length of status: | 2y 8m |
|
Credit score:
| 660-679 (Jun-2010) |
Total credit lines:
| 19 |
Occupation: | Retail Management |
|
Now delinquent:
| 0 |
Revolving credit balance:
| $611 | Stated income: | $1-$24,999 |
|
Amount delinquent:
| $0 |
Bankcard utilization:
| 0% | | |
|
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| No | | |
|
Delinquencies in last 7y:
| 0 | | | | |
|
Screen name:
| transparency-adventurer |
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
pursuing my dream...
....of becoming a fashion designer!
This loan will be used to?help keep me afloat over summer! I am currently completing my second BA in fashion design and I need additional help over summer. I will be picking up more hours at my current job but need help making ends meet and purchase much needed supplies to work on design projects and keep up on my skills
My financial situation:
I am a good candidate for this loan because?I am dependable and determined!
Monthly net income: $1000-1400
Monthly expenses: $
??Housing: $750
??Utilities: $30
??Phone, cable, internet: $50
??Food, entertainment: $100
??Clothing, household expenses $50- NO CLOTHING I WISH! only making, not buying!
??Credit cards and other loans: $100
??Other expenses: $100
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
461044
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:
| Apr-1999 |
Debt/Income ratio:
| 26% |
|
Basic (1-10):
| 7 |
Inquiries last 6m:
| 1 | Employment status: | Full-time employee |
| Enhanced (1-5): | 4 |
Current / open credit lines:
| 14
/
12 | Length of status: | 5y 10m |
|
Credit score:
| 720-739 (Jun-2010) |
Total credit lines:
| 21 |
Occupation: | Sales - Commission |
|
Now delinquent:
| 0 |
Revolving credit balance:
| $11,756 | 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:
| TBO_LLC |
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
Buying an engagement ring
Purpose of loan:
This loan will be used to purchase an engagement ring for my girlfriend of 4.5 years.
My financial situation:
I am a good candidate for this loan because I pay all of my bills on time.
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
461048
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
|
Amount:
| $3,000.00 |
Prosper Rating:
| A |
Auction Duration:
| 7 days
|
|
Term:
| 36 months |
Estimated loss:
| 2.1% | | |
| | | |
|
|
Starting lender yield:
| 10.00% |
Starting borrower rate/APR:
| 11.00% / 13.12% |
Starting monthly payment:
| $98.22 |
| |
|
Auction yield range:
| 3.99% - 10.00% |
Estimated loss impact:
| 2.13% | | |
|
Lender servicing fee:
| 1.00% |
Estimated return:
| 7.87% | | |
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-2000 |
Debt/Income ratio:
| 54% |
|
Basic (1-10):
| 9 |
Inquiries last 6m:
| 2 | Employment status: | Full-time employee |
| Enhanced (1-5): | 3 |
Current / open credit lines:
| 21
/
17 | Length of status: | 6y 1m |
|
Credit score:
| 740-759 (May-2010) |
Total credit lines:
| 34 |
Occupation: | Professional |
|
Now delinquent:
| 0 |
Revolving credit balance:
| $15,487 | Stated income: | $50,000-$74,999 |
|
Amount delinquent:
| $0 |
Bankcard utilization:
| 68% | | |
|
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| Yes | | |
|
Delinquencies in last 7y:
| 0 | | | | |
|
Screen name:
| newest-unconquerable-p2ploan |
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 off a high interest credit card & get a room ready for my newborn.
I will give it one more try before I go to the bank for person loan.? Any help will be appreciated.
My financial situation:
I am a good candidate for this loan because?I have had no lates, collections, or other negative marks on my credit. I have no outstanding collections and everything on my credit report is current.
Monthly net income: $ 4300
Monthly expenses: $ 2100
? Housing: $800
? Insurance: $100
? Car expenses: $200
? Utilities: $100
? Phone, cable, internet: $100
? Food, entertainment: $300
? Clothing, household expenses $200
? Credit cards and other loans: $300
? Other expenses: $?
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
461050
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:
| $18,000.00 |
Prosper Rating:
| AA |
Auction Duration:
| 7 days
|
|
Term:
| 36 months |
Estimated loss:
| 1.5% | | |
| | | |
|
|
Starting lender yield:
| 9.44% |
Starting borrower rate/APR:
| 10.44% / 10.79% |
Starting monthly payment:
| $584.53 |
| |
|
Auction yield range:
| 2.99% - 9.44% |
Estimated loss impact:
| 1.51% | | |
|
Lender servicing fee:
| 1.00% |
Estimated return:
| 7.93% | | |
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:
| 22% |
|
Basic (1-10):
| 6 |
Inquiries last 6m:
| 0 | Employment status: | Full-time employee |
| Enhanced (1-5): | 5 |
Current / open credit lines:
| 13
/
13 | Length of status: | 2y 3m |
|
Credit score:
| 820-839 (Jun-2010) |
Total credit lines:
| 34 |
Occupation: | Attorney |
|
Now delinquent:
| 0 |
Revolving credit balance:
| $10,028 | Stated income: | $75,000-$99,999 |
|
Amount delinquent:
| $0 |
Bankcard utilization:
| 48% | | |
|
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| Yes | | |
|
Delinquencies in last 7y:
| 0 | | | | |
|
Screen name:
| restless-transparency3 |
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
Paying off my divorce debt
Purpose of loan:
This loan will be used to pay off credit cards.
My financial situation: My financial situation is okay. Getting divorced set me back about a year or so financially and now I am trying to save as much money as possible in interest charges. I am able to pay my credit cards without this, but given the right intererst rate, I figure it will be much cheaper to do it this way.
I am a good candidate for this loan because my credit history is good and my income is such that my free cash flow could actually pay this amount of money off in about 6-8 months. However, I have chosen to go this route because I believe I can achieve a lower interest rate.
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
461054
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
|
Amount:
| $4,000.00 |
Prosper Rating:
| D |
Auction Duration:
| 7 days
|
|
Term:
| 36 months |
Estimated loss:
| 10.0% | | |
| | | |
|
|
Starting lender yield:
| 10.99% |
Starting borrower rate/APR:
| 11.99% / 14.12% |
Starting monthly payment:
| $132.84 |
| |
|
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:
| Dec-1975 |
Debt/Income ratio:
| 20% |
|
Basic (1-10):
| 8 |
Inquiries last 6m:
| 0 | Employment status: | Full-time employee |
| Enhanced (1-5): | 5 |
Current / open credit lines:
| 14
/
10 | Length of status: | 6y 6m |
|
Credit score:
| 640-659 (Jun-2010) |
Total credit lines:
| 43 |
Occupation: | Nurse (RN) |
|
Now delinquent:
| 0 |
Revolving credit balance:
| $12,356 | Stated income: | $75,000-$99,999 |
|
Amount delinquent:
| $0 |
Bankcard utilization:
| 96% | | |
|
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| Yes | | |
|
Delinquencies in last 7y:
| 6 | | | | |
|
Screen name:
| Smoothe-Operator |
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.
Prosper Activity
| Loan history | Payment history | Credit score history |
|
Active / total loans:
| 1 / 1 |
On-time:
| 22 ( 100% )
| 640-659 (Latest)
|
|
Principal borrowed:
| $1,000.00 | < 31 days late:
| 0
( 0% )
| 640-659
(Jun-2008)
|
|
Principal balance:
| $421.52 |
31+ days late:
| 0
( 0% )
|
|
Total payments billed:
| 22 | | |
Description
Consolidating Debt
Purpose of loan:
This loan will be used to consolidate debt
My financial situation:
I am a good candidate for this loan because I always pay my loans
Monthly net income: $ 7000.00
Monthly expenses: $
??Housing: $ 1800
??Insurance: $ 175
??Car expenses: $ 100
??Utilities: $ 200
??Phone, cable, internet: $ 100
??Food, entertainment: $ 100
??Clothing, household expenses $ 200.00
??Credit cards and other loans: $?600.00
??Other expenses: $ 300.00
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
461060
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:
| Nov-1991 |
Debt/Income ratio:
| 54% |
|
Basic (1-10):
| 5 |
Inquiries last 6m:
| 1 | Employment status: | Full-time employee |
| Enhanced (1-5): | 2 |
Current / open credit lines:
| 13
/
12 | Length of status: | 7y 10m |
|
Credit score:
| 640-659 (Jun-2010) |
Total credit lines:
| 24 |
Occupation: | Teacher |
|
Now delinquent:
| 1 |
Revolving credit balance:
| $15,693 | Stated income: | $50,000-$74,999 |
|
Amount delinquent:
| $0 |
Bankcard utilization:
| 93% | | |
|
Public records last 12m / 10y:
| 0/ 1 |
Homeownership:
| Yes | | |
|
Delinquencies in last 7y:
| 0 | | | | |
|
Screen name:
| historic-dough |
Borrower's state:
| Michigan |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Description
Debt Consolidation
Purpose of loan:
This loan will be used to consolidate and pay off some credit card debt.
My financial situation:
I am a good candidate for this loan because I am a teacher and have steady income however due to the shift in the credit climate my credit limits have been reduced and credit lines have been shut off which has?lowered my credit score but also shut down needed emergency funds for rainy days.
Monthly net income: $ 4800
Monthly expenses: $
??Housing: $475
??Insurance: $ 100????
??Car expenses: $ 200
??Utilities: $ 164
??Phone, cable, internet: $ 200
??Food, entertainment: $ 200
??Clothing, household expenses $ 250
??Credit cards and other loans: $ 700
??Other expenses: $ 200
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
461066
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:
| 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:
| $285.15 |
| |
|
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:
| Sep-1994 |
Debt/Income ratio:
| 10% |
|
Basic (1-10):
| 9 |
Inquiries last 6m:
| 0 | Employment status: | Full-time employee |
| Enhanced (1-5): | 5 |
Current / open credit lines:
| 12
/
12 | Length of status: | 9y 6m |
|
Credit score:
| 780-799 (Jun-2010) |
Total credit lines:
| 29 |
Occupation: | Scientist |
|
Now delinquent:
| 0 |
Revolving credit balance:
| $5,065 | Stated income: | $25,000-$49,999 |
|
Amount delinquent:
| $0 |
Bankcard utilization:
| 2% | | |
|
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| Yes | | |
|
Delinquencies in last 7y:
| 0 | | | | |
|
Screen name:
| p2ploan-giant |
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
Refinance a mobile home
Purpose of loan:
This loan will be used to refinance a mobile home that is use as a rental property. The existing interest rate is 9.75% with approximately a five year remaining term. I purchased this rental property in 2008. $8000 will be used to payoff the loan and the remaining $1000 will be used to payoff a refrigerator I recently purchased for this property. My financial situation:
I am a good candidate for this loan because I have a good income to debit ratio and have an excellent credit rating. This loan will not add any new payment for me, because I already pay a mortgage?on the original loan which is about the same as the payment for this loan. I tried to get a better interest rate for a traditional bank loan, but I couldn?t find a bank that would refinance a mobile home, even thought I have been paying the mortgage and receiving rents on this property for two years. This loan will shorten the payment term of the property and reduce the interest I pay over that period.
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
461068
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:
| 13.99% |
Starting borrower rate/APR:
| 14.99% / 17.16% |
Starting monthly payment:
| $415.93 |
| |
|
Auction yield range:
| 5.99% - 13.99% |
Estimated loss impact:
| 5.24% | | |
|
Lender servicing fee:
| 1.00% |
Estimated return:
| 8.75% | | |
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-1973 |
Debt/Income ratio:
| 49% |
|
Basic (1-10):
| 8 |
Inquiries last 6m:
| 0 | Employment status: | Full-time employee |
| Enhanced (1-5): | 3 |
Current / open credit lines:
| 8
/
8 | Length of status: | 5y 3m |
|
Credit score:
| 740-759 (May-2010) |
Total credit lines:
| 29 |
Occupation: | Other |
|
Now delinquent:
| 0 |
Revolving credit balance:
| $59,872 | Stated income: | $50,000-$74,999 |
|
Amount delinquent:
| $0 |
Bankcard utilization:
| 68% | | |
|
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| Yes | | |
|
Delinquencies in last 7y:
| 0 | | | | |
|
Screen name:
| glowing-dough31 |
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
paint22
Purpose of loan:
This loan will be used to consolidate debt.
My financial situation:
I am a good candidate for this loan because I pay my bills on time.
Monthly net income: $3,100
Monthly expenses: $
??Housing: $ 640.00 - this amount is for a rental property that I own.? I live in an apartment and receive a rent credit for performing maintenance?duties at the complex.
??Insurance: $ 80.00
??Car expenses:?$25 - minimal because I?am provided with a company car and the company pays for the maintence.
??Utilities: $ 50.00
??Phone, cable, internet: $ 100.00
??Food, entertainment: $150.00
??Clothing, household expenses $ 125.00
??Credit cards and other loans: $ 1,300.00
??Other expenses: $
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
461086
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:
| E |
Auction Duration:
| 7 days
|
|
Term:
| 36 months |
Estimated loss:
| 14.0% | | |
| | | |
|
|
Starting lender yield:
| 33.29% |
Starting borrower rate/APR:
| 34.29% / 38.42% |
Starting monthly payment:
| $44.84 |
| |
|
Auction yield range:
| 13.99% - 33.29% |
Estimated loss impact:
| 15.54% | | |
|
Lender servicing fee:
| 1.00% |
Estimated return:
| 17.75% | | |
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-2007 |
Debt/Income ratio:
| 34% |
|
Basic (1-10):
| 6 |
Inquiries last 6m:
| 0 | Employment status: | Full-time employee |
| Enhanced (1-5): | 2 |
Current / open credit lines:
| 4
/
3 | Length of status: | 0y 8m |
|
Credit score:
| 640-659 (Jun-2010) |
Total credit lines:
| 8 |
Occupation: | Other |
|
Now delinquent:
| 0 |
Revolving credit balance:
| $0 | Stated income: | $1-$24,999 |
|
Amount delinquent:
| $0 |
Bankcard utilization:
| 0% | | |
|
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| No | | |
|
Delinquencies in last 7y:
| 0 | | | | |
|
Screen name:
| return-comforter |
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 accumulated debt
Purpose of loan:
This loan will be used to pay back my accumulated debt due to a medical emergency. The emergency caused me to use the money I paid my bills with and now I have gotten behind.
My financial situation:
I am a good candidate for this loan because I work hard...I always?paid my payments on time until?the?incident and I strive to be financially stable.?
Monthly net income: $1200
Monthly expenses: $
??Housing: $0????
??Insurance: $0
??Car expenses: $187
??Utilities: $0?????
??Phone, cable, internet: $0
??Food, entertainment: $0
??Clothing, household expenses $0
??Credit cards and other loans: $220
??Other expenses: $0
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
461092
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:
| 25.25% |
Starting borrower rate/APR:
| 26.25% / 28.57% |
Starting monthly payment:
| $121.27 |
| |
|
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:
| Sep-1991 |
Debt/Income ratio:
| 11% |
|
Basic (1-10):
| 7 |
Inquiries last 6m:
| 1 | Employment status: | Full-time employee |
| Enhanced (1-5): | 5 |
Current / open credit lines:
| 5
/
5 | Length of status: | 3y 9m |
|
Credit score:
| 680-699 (May-2010) |
Total credit lines:
| 30 |
Occupation: | Construction |
|
Now delinquent:
| 2 |
Revolving credit balance:
| $1,244 | Stated income: | $50,000-$74,999 |
|
Amount delinquent:
| $223 |
Bankcard utilization:
| 5% | | |
|
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| Yes | | |
|
Delinquencies in last 7y:
| 19 | | | | |
|
Screen name:
| asset-chestnut |
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 personal loan for my business
I am applying for this loan to help me advertise my internet marketing business online without having to take away from my family budget.? I have a good job that pays well but I work out of town a lot and would like to work for myself in the next 5 years.
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
461096
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:
| 10.99% |
Starting borrower rate/APR:
| 11.99% / 14.12% |
Starting monthly payment:
| $166.05 |
| |
|
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:
| Dec-2000 |
Debt/Income ratio:
| Not calculated |
|
Basic (1-10):
| 6 |
Inquiries last 6m:
| 2 | Employment status: | Not employed |
| Enhanced (1-5): | 4 |
Current / open credit lines:
| 9
/
9 | Length of status: | 1y 4m |
|
Credit score:
| 700-719 (Jun-2010) |
Total credit lines:
| 15 | Stated income: | Not employed |
|
Now delinquent:
| 0 |
Revolving credit balance:
| $14,696 | |
|
Amount delinquent:
| $0 |
Bankcard utilization:
| 31% | | |
|
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| No | | |
|
Delinquencies in last 7y:
| 0 | | | | |
|
Screen name:
| newest-greenback-stream |
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
Excellent opportunity topickup home
Purpose of loan:
This is an excellent opportunity to pickup a fine home for?a great investment. Evansville, Indiana is easily the best city in Indiana and one of the best in the county, and this house sits on a quiet street without abandoned homes or serious crime.
My financial situation:
I am a good candidate for this loan because I'm unemployed and I want to make my first deal and make money for living.
Monthly net income: $
$1456 - two checks from government for unemployed people
Monthly expenses: $
??Housing: $ 100
??Insurance: $ 130
??Car expenses: $ 270
??Utilities: $?30
??Phone, cable, internet: $?40
??Food, entertainment: $ 300
??Clothing, household expenses $ 50
??Credit cards and other loans: $ 100
??Other expenses: $ 0
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
461098
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:
| 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:
| $72.90 |
| |
|
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:
| Jun-1974 |
Debt/Income ratio:
| 43% |
|
Basic (1-10):
| 7 |
Inquiries last 6m:
| 2 | Employment status: | Full-time employee |
| Enhanced (1-5): | 1 |
Current / open credit lines:
| 9
/
7 | Length of status: | 3y 3m |
|
Credit score:
| 660-679 (May-2010) |
Total credit lines:
| 24 |
Occupation: | Other |
|
Now delinquent:
| 0 |
Revolving credit balance:
| $21,295 | Stated income: | $25,000-$49,999 |
|
Amount delinquent:
| $0 |
Bankcard utilization:
| 98% | | |
|
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| No | | |
|
Delinquencies in last 7y:
| 0 | | | | |
|
Screen name:
| WalyaWalya |
Borrower's state:
| California |
Borrower's group:
| BORROWERS - Free instant Listings - LARGEST GROUP |
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
| Loan history | Payment history | Credit score history |
|
Active / total loans:
| 1 / 2 |
On-time:
| 57 ( 100% )
| 660-679 (Latest)
|
|
Principal borrowed:
| $7,350.00 | < 31 days late:
| 0
( 0% )
| 640-659
(Jul-2008)
560-579
(Feb-2007)
|
|
Principal balance:
| $2,297.44 |
31+ days late:
| 0
( 0% )
|
|
Total payments billed:
| 57 | | |
Description
Website Upgrade
Purpose of loan:
This loan will be used to fund a needed website enhancement to include many new
products
and information upgrades. This new website represents a cost savings to my business of approximately $250 per month from printing and mailing of literature that will no longer be necessary to send, since the website will have all the updated information, and accounts can have access immediately.
My financial situation:
I am a good candidate for this loan because I HAVE FULL-TIME EMPLOYMENT FOR
THE SAME EMPLOYER FOR OVER 3 YEARS, AND I HAVE A PART TIME BUSINESS THAT
IS STILL GROWING, even in this economy. Also, I
have been a resident of Orange County, California for 28 years, and at the
same residence in Garden Grove for the past 3+ years. I have family here,
as my
mother and sister live close by me, and my business, church and personal
support group is here. I have had a high revolving balance due to start-up
expenses for the business in 2006. Eventually, these will be brought
down to lower levels.
Monthly net income: $2,600
Monthly expenses: $
Rent $450, Car loan $340.85,
Revolving Debt $657, Car insurance $88, Gas $100, Food $150, Phone $58,
Storage
$164, Current Prosper Loan $190.57, Incidentals $50
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
461104
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
|
Amount:
| $10,500.00 |
Prosper Rating:
| 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:
| $339.79 |
| |
|
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:
| Jul-1991 |
Debt/Income ratio:
| 47% |
|
Basic (1-10):
| 9 |
Inquiries last 6m:
| 0 | Employment status: | Full-time employee |
| Enhanced (1-5): | 4 |
Current / open credit lines:
| 24
/
17 | Length of status: | 17y 5m |
|
Credit score:
| 740-759 (Jun-2010) |
Total credit lines:
| 72 |
Occupation: | Professional |
|
Now delinquent:
| 0 |
Revolving credit balance:
| $34,134 | Stated income: | $50,000-$74,999 |
|
Amount delinquent:
| $0 |
Bankcard utilization:
| 45% | | |
|
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| Yes | | |
|
Delinquencies in last 7y:
| 0 | | | | |
|
Screen name:
| redsushi1234 |
Borrower's state:
| Louisiana |
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 rescue dogs!Pay off high credit
Purpose of loan:
This loan will be used to pay off high credit cards.
My financial situation:
I am a good candidate for this loan because I am current on all payments for all debt. I am a Speech therapist for children in the New Orleans area. We are just surviving Katrina and now we have this oil spill. I do not think it is fair for a credit card to go from 3.9 to 30% for no reason and when you call them they basically say too bad too sad. I know I have some debt but I am never late and am paying everything I owe but if credit cards continue to do this they make it impossible to get out of?debt. ?I rescue dogs from my local shelter and find them forever homes. I will be unable to do this if I can not get a lower interest rate because I will not have extra funding to pay for food and vet bills. Thanks for your consideration.
Monthly net income: $ 98,000
Monthly expenses: $
??Housing: $?998
??Insurance: $ 156
??Car expenses: $?200
??Utilities: $ 103
??Phone, cable, internet: $ 140
??Food, entertainment: $ 400
??Clothing, household expenses $?600
??Credit cards and other loans: $?500
??Other expenses: $ 500
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
461108
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
|
Amount:
| $4,000.00 |
Prosper Rating:
| D |
Auction Duration:
| 7 days
|
|
Term:
| 36 months |
Estimated loss:
| 10.0% | | |
| | | |
|
|
Starting lender yield:
| 19.00% |
Starting borrower rate/APR:
| 20.00% / 22.24% |
Starting monthly payment:
| $148.65 |
| |
|
Auction yield range:
| 10.99% - 19.00% |
Estimated loss impact:
| 10.45% | | |
|
Lender servicing fee:
| 1.00% |
Estimated return:
| 8.55% | | |
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
|
Prosper scores:
| |
First credit line:
| Apr-1993 |
Debt/Income ratio:
| Not calculated |
|
Basic (1-10):
| 7 |
Inquiries last 6m:
| 1 | Employment status: | Retired |
| Enhanced (1-5): | 4 |
Current / open credit lines:
| 9
/
6 | Length of status: | 0y 5m |
|
Credit score:
| 640-659 (Jun-2010) |
Total credit lines:
| 20 | Stated income: | $75,000-$99,999 |
|
Now delinquent:
| 0 |
Revolving credit balance:
| $30,428 | |
|
Amount delinquent:
| $0 |
Bankcard utilization:
| 83% | | |
|
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| No | | |
|
Delinquencies in last 7y:
| 0 | | | | |
|
Screen name:
| cordial-credit6 |
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
consolidating my debt
Purpose of loan:
This loan will be used to? consolidate some specific debt (mostly medical).
My financial situation: I am retired with a very stable income. Beginning july 2010 I will also be eligible for social security.
I am a good candidate for this loan because?I have a good credit score, because I've never missed a payment. I've been making payments for a long time.
Monthly net income: $6,700
Monthly expenses: about $4300
??Housing: $2000
??Insurance: $295
??Car expenses: $300
??Utilities: $175
??Phone, cable, internet: $150
??Food, entertainment: $400
??Clothing, household expenses $200
??Credit cards and other loans: $750
??Other expenses: $
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
461114
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:
| 19.07% |
Starting borrower rate/APR:
| 20.07% / 23.86% |
Starting monthly payment:
| $37.20 |
| |
|
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:
| Jul-1995 |
Debt/Income ratio:
| Not calculated |
|
Basic (1-10):
| 9 |
Inquiries last 6m:
| 0 | Employment status: | Full-time employee |
| Enhanced (1-5): | 3 |
Current / open credit lines:
| 27
/
25 | Length of status: | 11y 8m |
|
Credit score:
| 640-659 (Jun-2010) |
Total credit lines:
| 42 |
Occupation: | Teacher |
|
Now delinquent:
| 0 |
Revolving credit balance:
| $40,993 | Stated income: | $50,000-$74,999 |
|
Amount delinquent:
| $0 |
Bankcard utilization:
| 95% | | |
|
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| Yes | | |
|
Delinquencies in last 7y:
| 0 | | | | |
|
Screen name:
| genuine-fund8 |
Borrower's state:
| NewMexico |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Description
Paying off my credit card
Purpose of loan:
Pay off a credit card and close the account. One step at a time.
My financial situation:
I am a good candidate for this loan because I have a good steady income and also have additional income from coaching high school althetics that is not listed. My wife also works and that income is also not listed.
Monthly net income: $
2780.00
Monthly expenses: $
??Housing: $ 507
??Insurance: $ 145
??Car expenses: $?500
??Utilities: $ 175
??Phone, cable, internet: $90
??Food, entertainment: $ 300
??Clothing, household expenses $150
??Credit cards and other loans: $ 800
??Other expenses: $ 100
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
461120
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
|
Amount:
| $15,000.00 |
Prosper Rating:
| D |
Auction Duration:
| 7 days
|
|
Term:
| 36 months |
Estimated loss:
| 10.0% | | |
| | | |
|
|
Starting lender yield:
| 27.39% |
Starting borrower rate/APR:
| 28.39% / 30.74% |
Starting monthly payment:
| $623.62 |
| |
|
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:
| Nov-1999 |
Debt/Income ratio:
| 13% |
|
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: | 2y 7m |
|
Credit score:
| 740-759 (Jun-2010) |
Total credit lines:
| 23 |
Occupation: | Skilled Labor |
|
Now delinquent:
| 0 |
Revolving credit balance:
| $59 | Stated income: | $50,000-$74,999 |
|
Amount delinquent:
| $0 |
Bankcard utilization:
| 0% | | |
|
Public records last 12m / 10y:
| 0/ 1 |
Homeownership:
| No | | |
|
Delinquencies in last 7y:
| 0 | | | | |
|
Screen name:
| kevdigital |
Borrower's state:
| Idaho |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Description
Business Expansion Loan
Purpose of loan:
Purchase equipment for my current business.????????
My financial situation:
I have no credit card balances and low monthly expenses.?????????
Monthly net income: $6000.00????
Monthly expenses: $ 1170.00
??Housing: $ 750.00????
??Insurance: $ paid in full every six months
??Car expenses: $ paid off????
??Utilities: $?75.00
??Phone, cable, internet: $ 95.00
??Food, entertainment: $ 250.00
??Clothing, household expenses $
??Credit cards and other loans: $ 0
??Other expenses: $ 0
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
461126
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-1994 |
Debt/Income ratio:
| 62% |
|
Basic (1-10):
| 6 |
Inquiries last 6m:
| 0 | Employment status: | Part-time employee |
| Enhanced (1-5): | 4 |
Current / open credit lines:
| 7
/
7 | Length of status: | 16y 11m |
|
Credit score:
| 700-719 (Jun-2010) |
Total credit lines:
| 30 |
Occupation: | Food Service Manage... |
|
Now delinquent:
| 0 |
Revolving credit balance:
| $6,970 | Stated income: | $1-$24,999 |
|
Amount delinquent:
| $0 |
Bankcard utilization:
| 67% | | |
|
Public records last 12m / 10y:
| 0/ 1 |
Homeownership:
| Yes | | |
|
Delinquencies in last 7y:
| 0 | | | | |
|
Screen name:
| newest-radiant-fairness |
Borrower's state:
| Louisiana |
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
New Grad Paying off Credit Cards
Purpose of loan:
This loan will be used to consolidate the two credit cards that I owe on. I have shredded the cards and want to get debt free.
My financial situation:
I am a good candidate for this loan because I am a financially responsible person. I am very aware of my debts and wish to erase them. I recently graduated from a local community college as LPN nurse. I am taking my state boards in two weeks. I have had a steady job for about 18 years now, which I will continue as it is part time. I will be starting work as a nurse as soon as I finish my boards.
Monthly net income: $
1300 (myself)
$3500 (household)
Monthly expenses: $
2515
??Housing: $
1500
??Insurance: $
50
??Car expenses: $
150 (gas expense, own car)
??Utilities: $
200.00
??Phone, cable, internet: $
65.00
??Food, entertainment: $
200.00
? Credit cards and other loans: $
350.00
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
461132
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
|
Amount:
| $1,000.00 |
Prosper Rating:
| A |
Auction Duration:
| 7 days
|
|
Term:
| 36 months |
Estimated loss:
| 2.1% | | |
| | | |
|
|
Starting lender yield:
| 8.20% |
Starting borrower rate/APR:
| 9.20% / 12.75% |
Starting monthly payment:
| $31.89 |
| |
|
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:
| Apr-1997 |
Debt/Income ratio:
| 22% |
|
Basic (1-10):
| 10 |
Inquiries last 6m:
| 0 | Employment status: | Full-time employee |
| Enhanced (1-5): | 4 |
Current / open credit lines:
| 8
/
7 | Length of status: | 8y 0m |
|
Credit score:
| 700-719 (Jun-2010) |
Total credit lines:
| 15 |
Occupation: | Food Service |
|
Now delinquent:
| 0 |
Revolving credit balance:
| $3,016 | Stated income: | $25,000-$49,999 |
|
Amount delinquent:
| $0 |
Bankcard utilization:
| 40% | | |
|
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| Yes | | |
|
Delinquencies in last 7y:
| 3 | | | | |
|
Screen name:
| northphoto |
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
Dumping a Bad Card
Purpose of loan:
Get rid of an old credit card immediately.? This card has begun to charge ridiculous fees.
My financial situation:
I am a good candidate for this loan because I am also a lender on Prosper and have a stellar recent credit standing.
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
461136
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:
| 34.5% | | |
| | | |
|
|
Starting lender yield:
| 24.00% |
Starting borrower rate/APR:
| 25.00% / 27.31% |
Starting monthly payment:
| $238.56 |
| |
|
Auction yield range:
| 16.99% - 24.00% |
Estimated loss impact:
| 35.88% | | |
|
Lender servicing fee:
| 1.00% |
Estimated return:
| -11.88% | | |
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
|
Prosper scores:
| |
First credit line:
| Jun-2004 |
Debt/Income ratio:
| 24% |
|
Basic (1-10):
| 1 |
Inquiries last 6m:
| 3 | Employment status: | Full-time employee |
| Enhanced (1-5): | 2 |
Current / open credit lines:
| 5
/
5 | Length of status: | 0y 5m |
|
Credit score:
| 640-659 (Jun-2010) |
Total credit lines:
| 12 |
Occupation: | Truck Driver |
|
Now delinquent:
| 1 |
Revolving credit balance:
| $2,598 | Stated income: | $25,000-$49,999 |
|
Amount delinquent:
| $671 |
Bankcard utilization:
| 94% | | |
|
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| Yes | | |
|
Delinquencies in last 7y:
| 0 | | | | |
|
Screen name:
| worldly-exchange4 |
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
Getting a pool for the kids
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
461138
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:
| 19.00% |
Starting borrower rate/APR:
| 20.00% / 22.24% |
Starting monthly payment:
| $222.98 |
| |
|
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:
| Jul-2004 |
Debt/Income ratio:
| 29% |
|
Basic (1-10):
| 5 |
Inquiries last 6m:
| 0 | Employment status: | Full-time employee |
| Enhanced (1-5): | 5 |
Current / open credit lines:
| 10
/
8 | Length of status: | 5y 2m |
|
Credit score:
| 640-659 (Jun-2010) |
Total credit lines:
| 19 |
Occupation: | Retail Management |
|
Now delinquent:
| 0 |
Revolving credit balance:
| $3,087 | Stated income: | $50,000-$74,999 |
|
Amount delinquent:
| $0 |
Bankcard utilization:
| 94% | | |
|
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| Yes | | |
|
Delinquencies in last 7y:
| 0 | | | | |
|
Screen name:
| dcmx190 |
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
pay off credit cards
Purpose of loan:
This loan will be used to? pay credit cards and another debt
My financial situation:
I am a good candidate for this loan because? I know I can pay on time????
Monthly net income: $2400
Monthly expenses: $
??Housing: $ 1050
??Insurance: $ 100
??Car expenses: $ 350
??Utilities: $ 200
??Phone, cable, internet: $ 150
??Food, entertainment: $
??Clothing, household expenses $
??Credit cards and other loans: $ 150
??Other expenses: $ 300
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
461140
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:
| Feb-1994 |
Debt/Income ratio:
| 18% |
|
Basic (1-10):
| 9 |
Inquiries last 6m:
| 0 | Employment status: | Full-time employee |
| Enhanced (1-5): | 5 |
Current / open credit lines:
| 11
/
9 | Length of status: | 0y 3m |
|
Credit score:
| 760-779 (May-2010) |
Total credit lines:
| 27 |
Occupation: | Other |
|
Now delinquent:
| 0 |
Revolving credit balance:
| $9,631 | Stated income: | $50,000-$74,999 |
|
Amount delinquent:
| $0 |
Bankcard utilization:
| 19% | | |
|
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| No | | |
|
Delinquencies in last 7y:
| 0 | | | | |
|
Screen name:
| agreement-molecule |
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 personal loan
This loan will serve a few purposes.? It will be covering relocation costs, some automotive work, as well as, some debt consolidation.? I am fully employed and have a great credit history of timely and complete payments.? My income varies due to the fact that I work in the service industry (bar manager and bartender) and the income I stated above tends to be the minimum year in and year out.? Thank you.
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
461142
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:
| 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:
| $223.25 |
| |
|
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:
| Aug-1992 |
Debt/Income ratio:
| 35% |
|
Basic (1-10):
| 8 |
Inquiries last 6m:
| 1 | Employment status: | Full-time employee |
| Enhanced (1-5): | 4 |
Current / open credit lines:
| 13
/
13 | Length of status: | 2y 2m |
|
Credit score:
| 780-799 (May-2010) |
Total credit lines:
| 33 |
Occupation: | Professional |
|
Now delinquent:
| 0 |
Revolving credit balance:
| $20,312 | Stated income: | $50,000-$74,999 |
|
Amount delinquent:
| $0 |
Bankcard utilization:
| 61% | | |
|
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| Yes | | |
|
Delinquencies in last 7y:
| 15 | | | | |
|
Screen name:
| mrg88x |
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 loan for debt consolidation
Purpose of loan: This loan will be used to consolidate and reduce higher interest credit cards and?pay off?the debt in a?reasonable amount of time.?
My financial situation: I am a good candidate for this loan because I have a continous and stable employment and?I always make it a point to?pay my bills?in a timely manner.
Thank You.
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
461148
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:
| 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:
| $245.76 |
| |
|
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:
| Sep-2000 |
Debt/Income ratio:
| 30% |
|
Basic (1-10):
| 8 |
Inquiries last 6m:
| 1 | Employment status: | Full-time employee |
| Enhanced (1-5): | 4 |
Current / open credit lines:
| 30
/
27 | Length of status: | 4y 10m |
|
Credit score:
| 640-659 (May-2010) |
Total credit lines:
| 52 |
Occupation: | Professional |
|
Now delinquent:
| 0 |
Revolving credit balance:
| $9,889 | 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:
| best-unafraid-integrity |
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
Got my M.A. Need to pay off cards!
Purpose of loan:
This loan will be used to pay off a few of my credit cards that mounted up while I was working full-time and going to school at night to get my Master of Arts degree in American History. Most of the expenses went towards books and school supplies that my student loans didn't cover.
My financial situation:
I am a good candidate for this loan because I work a secure full-time job and run a non-profit organization in my spare time.
Monthly net income: $3370
Monthly expenses:
??Housing: $1100
??Insurance: $100
??Car expenses: $340
??Utilities: $50
??Phone, cable, internet: $30
??Food, entertainment: $200
??Clothing, household expenses $100
??Credit cards and other loans: $300 (before loan)
??Other expenses: $600 (student loans)
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
461150
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:
| 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:
| $175.41 |
| |
|
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:
| Mar-2000 |
Debt/Income ratio:
| 26% |
|
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: | 1y 10m |
|
Credit score:
| 700-719 (Jun-2010) |
Total credit lines:
| 18 |
Occupation: | Computer Programmer |
|
Now delinquent:
| 0 |
Revolving credit balance:
| $22,206 | Stated income: | $75,000-$99,999 |
|
Amount delinquent:
| $0 |
Bankcard utilization:
| 63% | | |
|
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| No | | |
|
Delinquencies in last 7y:
| 0 | | | | |
|
Screen name:
| poblano3 |
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
Payoff credit card debt
Purpose of loan:
This loan will be used to pay off credit card. I can afford the current payment but figured i would save money by getting a lower apr loan at prosper.
My financial situation:
I am a good candidate for this loan because i have not defaulted on any of my previous loans. I have been on my job for over 2 years. I am also pursuing my mba at pepperdine university right now and hoping to benefit from the economy recovery in a few years.
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
461160
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:
| C |
Auction Duration:
| 7 days
|
|
Term:
| 36 months |
Estimated loss:
| 8.0% | | |
| | | |
|
|
Starting lender yield:
| 21.69% |
Starting borrower rate/APR:
| 22.69% / 24.96% |
Starting monthly payment:
| $96.37 |
| |
|
Auction yield range:
| 7.99% - 21.69% |
Estimated loss impact:
| 8.51% | | |
|
Lender servicing fee:
| 1.00% |
Estimated return:
| 13.18% | | |
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
|
Prosper scores:
| |
First credit line:
| Feb-1996 |
Debt/Income ratio:
| 13% |
|
Basic (1-10):
| 8 |
Inquiries last 6m:
| 2 | Employment status: | Part-time employee |
| Enhanced (1-5): | 4 |
Current / open credit lines:
| 3
/
2 | Length of status: | 3y 8m |
|
Credit score:
| 720-739 (Jun-2010) |
Total credit lines:
| 5 |
Occupation: | Nurse (LPN) |
|
Now delinquent:
| 0 |
Revolving credit balance:
| $5,445 | Stated income: | $1-$24,999 |
|
Amount delinquent:
| $0 |
Bankcard utilization:
| 42% | | |
|
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| No | | |
|
Delinquencies in last 7y:
| 0 | | | | |
|
Screen name:
| influential-leverage8 |
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
paying off some bills
Purpose of loan:
This loan will be used to pay off some bills.
My financial situation:
I am a good candidate for this loan because i pay all bills on time and always make sure i pay more then the minimum.because my house expenses are split in half with a roomate, it is easier to pay this loan off.
Monthly net income: $ approx 23 to 25,000
Monthly expenses: $
??Housing: $
1200
??Insurance: $
0
??Car expenses: $
0
??Utilities: $
200
??Phone, cable, internet: $
160
??Food, entertainment: $
100
??Clothing, household expenses $
??Credit cards and other loans: $
120
??Other expenses: $
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
461166
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
|
Amount:
| $15,000.00 |
Prosper Rating:
| D |
Auction Duration:
| 7 days
|
|
Term:
| 36 months |
Estimated loss:
| 10.0% | | |
| | | |
|
|
Starting lender yield:
| 27.39% |
Starting borrower rate/APR:
| 28.39% / 30.74% |
Starting monthly payment:
| $623.62 |
| |
|
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-1997 |
Debt/Income ratio:
| 28% |
|
Basic (1-10):
| 7 |
Inquiries last 6m:
| 1 | Employment status: | Full-time employee |
| Enhanced (1-5): | 5 |
Current / open credit lines:
| 16
/
15 | Length of status: | 7y 5m |
|
Credit score:
| 720-739 (May-2010) |
Total credit lines:
| 26 |
Occupation: | Analyst |
|
Now delinquent:
| 0 |
Revolving credit balance:
| $24,804 | 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:
| friendly-marketplace535 |
Borrower's state:
| Wisconsin |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Description
Inventory for clothing boutique
Purpose of loan:
This loan will be used to? buy inventory for a new women's clothing boutique set to open September 1st 2010. Additionally, we are in the first stage of web development for our e-commerce website which is scheduled to be completed October 1, 2010.?
My financial situation:
I am a good candidate for this loan because? I have a B.S. in Accounting and have been working for a major retailer for 7+ years at their corporate buying office performing inventory replenishment. My wife is two semesters away from finishing her B.A. in Marketing and has previous retail operations experience. Due to a bonus from my current employment we will have the cash we need to open by March 2011. We would however, like to open earlier in September 2010 to take advantage of the large 2010 fourth quarter selling season. My wife will be starting a full time job June 7 which will add approximately $1,400 net a month to our income. This $1,400 net is NOT included in the monthly net income figure listed below.
We have been revising and polishing up our business plan for 3 years now. In 2008 we took 2nd place in our local downtown business plan competition.? The city we live in is committed to redeveloping the downtown area. This redevelopment has already begun and we are excited to be a part of the continued redevelopment effort.? (http://www.downtown-eauclaire.com)
Monthly net income: $4,000
Monthly expenses: $
? Housing: $ 670
? Insurance: $ 256
? Car expenses: $? 628
? Utilities: $ 293
? Phone, cable, internet: $ 72
? Food, entertainment: $ 400
? Clothing, household expenses $ 75
? Credit cards and other loans: $ 538
? Other expenses: $ 340
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
461184
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
|
Amount:
| $2,500.00 |
Prosper Rating:
| HR |
Auction Duration:
| 7 days
|
|
Term:
| 36 months |
Estimated loss:
| 18.0% | | |
| | | |
|
|
Starting lender yield:
| 34.00% |
Starting borrower rate/APR:
| 35.00% / 37.45% |
Starting monthly payment:
| $113.09 |
| |
|
Auction yield range:
| 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-1986 |
Debt/Income ratio:
| 13% |
|
Basic (1-10):
| 5 |
Inquiries last 6m:
| 1 | Employment status: | Full-time employee |
| Enhanced (1-5): | 4 |
Current / open credit lines:
| 4
/
4 | Length of status: | 35y 10m |
|
Credit score:
| 640-659 (Jun-2010) |
Total credit lines:
| 9 |
Occupation: | Professional |
|
Now delinquent:
| 0 |
Revolving credit balance:
| $4,996 | 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:
| 9 | | | | |
|
Screen name:
| contract-heart8 |
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
Paying for my daughter's braces
Purpose of loan:
This loan will be used to pay for my daughter's braces.
My financial situation:
I am a good candidate for this loan because I have worked for the same company for more than 30 years and have been building my credit to buy a house. Paying this loan in time is important for me to build my credit further.
Monthly net income: $2000?
Monthly expenses: $1155.00
??Housing: $400.00
??Insurance: $30.00
??Car expenses: $20.00
??Utilities: $150.00
??Phone, cable, internet: $75.00
??Food, entertainment: $300.00
??Clothing, household expenses $30.00
??Credit cards and other loans: $150.00
??Other expenses: $
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
461190
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:
| $20,000.00 |
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:
| $904.72 |
| |
|
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:
| Jul-1998 |
Debt/Income ratio:
| 32% |
|
Basic (1-10):
| 1 |
Inquiries last 6m:
| 3 | Employment status: | Full-time employee |
| Enhanced (1-5): | 3 |
Current / open credit lines:
| 6
/
6 | Length of status: | 5y 3m |
|
Credit score:
| 640-659 (May-2010) |
Total credit lines:
| 10 |
Occupation: | Other |
|
Now delinquent:
| 1 |
Revolving credit balance:
| $1,974 | Stated income: | $50,000-$74,999 |
|
Amount delinquent:
| $84 |
Bankcard utilization:
| 24% | | |
|
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| No | | |
|
Delinquencies in last 7y:
| 0 | | | | |
|
Screen name:
| clean-commitment7 |
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
Lovinglee Beating The Recession
Purpose of loan:
I recently bought my first home in May 2010.?I have been putting in a lot of work?fixing up the new?place and making it more?comfortable for my family. The home was?built in 2010.?However, there are still some improvements I would like to make such as?landscaping,?furnishing and tiling the kitchen. I am also proud to be having a new addition to the family soon?and will be taking maternity leave?I have figured that these improvements and?Maternity?will cost 20,000.
Explanation of borrower's credit profile
The $84 showm above is from Columbia House & has been resolved. The debt to income ratio reflects?the?purchase of a new?home.
My financial situation:
I am a good candidate for this loan because I have great job secuirty as a Respitory?Therapist?and?minimal debt. So making monthly payments will not be a problem.
Monthly net income: $ 5,200
Monthly expenses: $
??Housing: $ 1,793
??Insurance: $77
??Car expenses: $350
??Utilities: $ 275
??Phone, cable, internet: $ 130
??Food, entertainment: $ 200
??Clothing, household expenses $ 200
??Credit cards and other loans: $ 55
??Other expenses: $ Tithes 10% of? take home
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
461196
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:
| 25.0% | | |
| | | |
|
|
Starting lender yield:
| 34.00% |
Starting borrower rate/APR:
| 35.00% / 37.45% |
Starting monthly payment:
| $113.09 |
| |
|
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:
| Nov-1991 |
Debt/Income ratio:
| Self-employed (DTI Not Calculated) |
|
Basic (1-10):
| 2 |
Inquiries last 6m:
| 11 | Employment status: | Self-employed |
| Enhanced (1-5): | 1 |
Current / open credit lines:
| 7
/
4 | Length of status: | 11y 8m |
|
Credit score:
| 680-699 (May-2010) |
Total credit lines:
| 27 |
Occupation: | Construction |
|
Now delinquent:
| 0 |
Revolving credit balance:
| $2,118 | Stated income: | $50,000-$74,999 |
|
Amount delinquent:
| $0 |
Bankcard utilization:
| 64% | | |
|
Public records last 12m / 10y:
| 0/ 1 |
Homeownership:
| Yes | | |
|
Delinquencies in last 7y:
| 2 | | | | |
|
Screen name:
| thrifty-deal549 |
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
Car repair, use it for business.
I plan to use this money to put a new transmission in my Tahoe. We will be able to make the monthly payments. I hope to have this loan payed off in no more than 24 months. Please help me during this hard time.
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
461214
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
|
Amount:
| $25,000.00 |
Prosper Rating:
| HR |
Auction Duration:
| 7 days
|
|
Term:
| 36 months |
Estimated loss:
| 25.0% | | |
| | | |
|
|
Starting lender yield:
| 34.00% |
Starting borrower rate/APR:
| 35.00% / 37.45% |
Starting monthly payment:
| $1,130.90 |
| |
|
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:
| May-1999 |
Debt/Income ratio:
| 58% |
|
Basic (1-10):
| 2 |
Inquiries last 6m:
| 2 | Employment status: | Full-time employee |
| Enhanced (1-5): | 2 |
Current / open credit lines:
| 15
/
13 | Length of status: | 0y 7m |
|
Credit score:
| 660-679 (Jun-2010) |
Total credit lines:
| 40 |
Occupation: | Executive |
|
Now delinquent:
| 1 |
Revolving credit balance:
| $1,871 | Stated income: | $50,000-$74,999 |
|
Amount delinquent:
| $43 |
Bankcard utilization:
| 17% | | |
|
Public records last 12m / 10y:
| 1/ 2 |
Homeownership:
| No | | |
|
Delinquencies in last 7y:
| 0 | | | | |
|
Screen name:
| abundant-social4 |
Borrower's state:
| Georgia |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Description
Hard Worker buying home
Purpose of loan:
This loan will be used to?
fully pay for a foreclosed 3 br 2 ba manufactured home on 1.5 acres of property.? The asking price is $25,000 and I have $5000 cash to fund closing, improvements and clean up.? Third party interest will be granted to loan maker.
My financial situation:
I am a good candidate for this loan because?
I have a new business with good income and modest debts.? I work two jobs and will be with my fiancee who also has income of $30,000 annually.? My debts are small with only a car payment and modest credit card debt.? Her debts are also small so we have approximately a 15% debt ratio.
Monthly net income: $
$4600 plus commission for myself.? $2500. monthly for her.?
Monthly expenses: $
$500 for myself.?? $1000 for her
??Housing: $
745
??Insurance: $
126
??Car expenses: $
75-100
??Utilities: $
est 150
??Phone, cable, internet: $
39
??Food, entertainment: $
350
??Clothing, household expenses $
150
??Credit cards and other loans: $
75
??Other expenses: $
50
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
461232
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
|
Amount:
| $25,000.00 |
Prosper Rating:
| HR |
Auction Duration:
| 7 days
|
|
Term:
| 36 months |
Estimated loss:
| 25.0% | | |
| | | |
|
|
Starting lender yield:
| 34.00% |
Starting borrower rate/APR:
| 35.00% / 37.45% |
Starting monthly payment:
| $1,130.90 |
| |
|
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:
| Jul-2006 |
Debt/Income ratio:
| Not calculated |
|
Basic (1-10):
| 2 |
Inquiries last 6m:
| 0 | Employment status: | Not employed |
| Enhanced (1-5): | 4 |
Current / open credit lines:
| 9
/
8 | Length of status: | 0y 2m |
|
Credit score:
| 640-659 (Jun-2010) |
Total credit lines:
| 20 | Stated income: | Not employed |
|
Now delinquent:
| 0 |
Revolving credit balance:
| $6,783 | |
|
Amount delinquent:
| $0 |
Bankcard utilization:
| 58% | | |
|
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| No | | |
|
Delinquencies in last 7y:
| 0 | | | | |
|
Screen name:
| stylish-worth3 |
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
Start-Up Business to Create Jobs
Purpose of loan:
I am a recent graduate.? I am looking to start a business to help create jobs.? I have always had a passion for entrepreneurship. While I was a sophomore in college, I opened a boutique and sold clothing to my friends. I am an entrepreneur at heart.? I would love to have the opportunity for someone to believe in me and to create a job for myself and others.I plan to open an online boutique for young men and women and promote it on campuses.The boutique will be promoted through campus activities, programs, organizations, and sororities and fraternities.? My hopes are for the online boutique to be successful, then to move to open brick and mortar locations in many college towns.? I have an extensive retail and apparel background.? I have a Bachelor of Science in Apparel Merchandising with a minor from the Kelley School of Business.? My major has given me the opportunity to learn about various aspects of the retail industry that I will be able to apply to my business every day.? I also have 7 years of retail experience.I graduated from Indiana University with a 3.5 G.P.A.I believe this speaks to my work ability and ethic.? I never commit myself to anything that I will not give 110% to.I have invested $10,000 of my own from family that will also go towards starting the business.I will be able to make the monthly payments on time and every month with my business profits and support from family and friends.? The only expenses I have include student loans, credit cards, and my car.A few of my credit cards have high balances from being used in college.? But I have never been late on any payments and they are always paid every month.? I plan to pay the loan back within a year, even though it is a 3 year loan.
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
461244
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
|
Amount:
| $6,500.00 |
Prosper Rating:
| HR |
Auction Duration:
| 7 days
|
|
Term:
| 36 months |
Estimated loss:
| 18.0% | | |
| | | |
|
|
Starting lender yield:
| 34.00% |
Starting borrower rate/APR:
| 35.00% / 37.45% |
Starting monthly payment:
| $294.03 |
| |
|
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-1989 |
Debt/Income ratio:
| Not calculated |
|
Basic (1-10):
| 4 |
Inquiries last 6m:
| 3 | Employment status: | Full-time employee |
| Enhanced (1-5): | 3 |
Current / open credit lines:
| 7
/
6 | Length of status: | 2y 11m |
|
Credit score:
| 720-739 (May-2010) |
Total credit lines:
| 17 |
Occupation: | Other |
|
Now delinquent:
| 0 |
Revolving credit balance:
| $38,471 | Stated income: | $75,000-$99,999 |
|
Amount delinquent:
| $0 |
Bankcard utilization:
| 88% | | |
|
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| No | | |
|
Delinquencies in last 7y:
| 0 | | | | |
|
Screen name:
| well-mannered-trade560 |
Borrower's state:
| Arizona |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Description
Pay Off Private Note
Purpose of loan:
This loan will be used to pay off a private noted used for minor home repairs.
My financial situation:
I am a good candidate for this loan because I always make all payments on time, I will try and pay this loan off early if possible.
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
461256
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:
| $4,250.00 |
Prosper Rating:
| AA |
Auction Duration:
| 7 days
|
|
Term:
| 36 months |
Estimated loss:
| 0.6% | | |
| | | |
|
|
Starting lender yield:
| 7.00% |
Starting borrower rate/APR:
| 8.00% / 8.34% |
Starting monthly payment:
| $133.18 |
| |
|
Auction yield range:
| 2.99% - 7.00% |
Estimated loss impact:
| 0.60% | | |
|
Lender servicing fee:
| 1.00% |
Estimated return:
| 6.40% | | |
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-1988 |
Debt/Income ratio:
| 9% |
|
Basic (1-10):
| 10 |
Inquiries last 6m:
| 1 | Employment status: | Full-time employee |
| Enhanced (1-5): | 5 |
Current / open credit lines:
| 4
/
4 | Length of status: | 2y 5m |
|
Credit score:
| 800-819 (May-2010) |
Total credit lines:
| 18 |
Occupation: | Executive |
|
Now delinquent:
| 0 |
Revolving credit balance:
| $13,694 | Stated income: | $100,000+ |
|
Amount delinquent:
| $0 |
Bankcard utilization:
| 16% | | |
|
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| No | | |
|
Delinquencies in last 7y:
| 0 | | | | |
|
Screen name:
| Ranger5 |
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:
| 4 ( 100% )
| 800-819 (Latest)
|
|
Principal borrowed:
| $1,000.00 | < 31 days late:
| 0
( 0% )
| 820-839
(Sep-2007)
|
|
Principal balance:
| $0.00 |
31+ days late:
| 0
( 0% )
|
|
Total payments billed:
| 4 | | |
Description
Painting and other projects
Purpose of loan:
This loan will be used to?
I bought a new house and would like to have the exterior walls repaired, cleaned and painted.? I would also like to add some exterior lighting features and garage door openers.?
My financial situation:
I am a good candidate for this loan because?
I work for a financial institution, and have been in this business for more than 20 years.? I understand the value of a good credit rating and what it means to my career to maintain a superior credit rating.? I pay my debts and I pay them on time.
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
461274
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:
| $2,600.00 |
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% / 22.31% |
Starting monthly payment:
| $96.72 |
| |
|
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:
| Sep-2002 |
Debt/Income ratio:
| 3% |
|
Basic (1-10):
| 9 |
Inquiries last 6m:
| 3 | Employment status: | Full-time employee |
| Enhanced (1-5): | 3 |
Current / open credit lines:
| 8
/
8 | Length of status: | 2y 8m |
|
Credit score:
| 680-699 (Jun-2010) |
Total credit lines:
| 10 |
Occupation: | Sales - Commission |
|
Now delinquent:
| 0 |
Revolving credit balance:
| $34,084 | Stated income: | $100,000+ |
|
Amount delinquent:
| $0 |
Bankcard utilization:
| 86% | | |
|
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| Yes | | |
|
Delinquencies in last 7y:
| 0 | | | | |
|
Screen name:
| robust-note973 |
Borrower's state:
| NewJersey |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Description
Well Qualified & Requesting a Loan!
Purpose of loan:
This loan will be used to consolidate a high interest credit card?to a lower rate.
My financial situation:
I am a great candidate for this loan because I make over $100,000 per year and have never made a late payment in my life.
I pay all my bills on time and have steady employment.
I have $25,570 in combined cash, savings and IRA.
I also own land in the Caribbean?without a mortgage (I plan?to retire there one day), approximate value is $65,000.
Monthly net income: $ 8,450
Monthly expenses: $ 2,700
??Housing: $ 1400
??Insurance: $ 200
??Car expenses: $ 0
??Utilities: $ 300
??Phone, cable, internet: $ 100
??Food, entertainment: $ 400
??Clothing, household expenses $ 50
??Credit cards and other loans: $ 150
??Other expenses: $ 100
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
461280
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:
| 34.5% | | |
| | | |
|
|
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:
| 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-1997 |
Debt/Income ratio:
| 34% |
|
Basic (1-10):
| 1 |
Inquiries last 6m:
| 2 | Employment status: | Full-time employee |
| Enhanced (1-5): | 2 |
Current / open credit lines:
| 5
/
5 | Length of status: | 7y 0m |
|
Credit score:
| 640-659 (Jun-2010) |
Total credit lines:
| 26 |
Occupation: | Other |
|
Now delinquent:
| 3 |
Revolving credit balance:
| $5,579 | Stated income: | $25,000-$49,999 |
|
Amount delinquent:
| $63,203 |
Bankcard utilization:
| 79% | | |
|
Public records last 12m / 10y:
| 0/ 1 |
Homeownership:
| Yes | | |
|
Delinquencies in last 7y:
| 14 | | | | |
|
Screen name:
| breathtaking-generosity4 |
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
Funding for business clinic
Purpose of loan:
This loan will be used to open Business Clinic. We need to purchase cleaning equipment to start the business.
My financial situation: I have steady net income $1800 per month and I also will keep this job for a while.
I am a good candidate for this loan because? I am a hard worker and it always was my dream to open the business.
Monthly net income: $2800
Monthly expenses: $ 900
??Housing:0 $
??Insurance: 150$
??Car expenses:0 $
??Utilities: 100$
??Phone, cable, internet:100 $
??Food, entertainment: 300$
??Clothing, household expenses 50$
??Credit cards and other loans:50 $
??Other expenses: 0$
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
448225
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
|
Amount:
| $25,000.00 |
Prosper Rating:
| HR |
Auction Duration:
| 7 days
|
|
Term:
| 36 months |
Estimated loss:
| 34.5% | | |
| | | |
|
|
Starting lender yield:
| 17.00% |
Starting borrower rate/APR:
| 18.00% / 20.21% |
Starting monthly payment:
| $903.81 |
| |
|
Auction yield range:
| 16.99% - 17.00% |
Estimated loss impact:
| 35.44% | | |
|
Lender servicing fee:
| 1.00% |
Estimated return:
| -18.44% | | |
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
|
Prosper scores:
| |
First credit line:
| Dec-1993 |
Debt/Income ratio:
| 44% |
|
Basic (1-10):
| 1 |
Inquiries last 6m:
| 7 | Employment status: | Full-time employee |
| Enhanced (1-5): | 1 |
Current / open credit lines:
| 23
/
22 | Length of status: | 0y 10m |
|
Credit score:
| 640-659 (Jun-2010) |
Total credit lines:
| 57 |
Occupation: | Administrative Assi... |
|
Now delinquent:
| 0 |
Revolving credit balance:
| $35,664 | Stated income: | $50,000-$74,999 |
|
Amount delinquent:
| $0 |
Bankcard utilization:
| 88% | | |
|
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| Yes | | |
|
Delinquencies in last 7y:
| 0 | | | | |
|
Screen name:
| Andria7 |
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
My loan for home improvement
Purpose of loan:
Have a house moved to add on to our existing property.
My financial situation:
I am a good candidate for this loan because? I am financially stable.? I have no past due or late payments.
Monthly net income: $ 4516
Monthly expenses: $
??Housing: $ 850
??Insurance: $ 50
??Car expenses: $ 305
??Phone, cable, internet: $?125
??Food, entertainment: $ 150
??Clothing, household expenses $ 50
??Credit cards and other loans: $ 1200
??Other expenses: $ 100
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
456551
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
|
Amount:
| $7,500.00 |
Prosper Rating:
| HR |
Auction Duration:
| 7 days
|
|
Term:
| 36 months |
Estimated loss:
| 18.0% | | |
| | | |
|
|
Starting lender yield:
| 21.00% |
Starting borrower rate/APR:
| 22.00% / 24.26% |
Starting monthly payment:
| $286.43 |
| |
|
Auction yield range:
| 16.99% - 21.00% |
Estimated loss impact:
| 19.19% | | |
|
Lender servicing fee:
| 1.00% |
Estimated return:
| 1.81% | | |
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
|
Prosper scores:
| |
First credit line:
| Nov-1987 |
Debt/Income ratio:
| 20% |
|
Basic (1-10):
| 4 |
Inquiries last 6m:
| 0 | Employment status: | Full-time employee |
| Enhanced (1-5): | 2 |
Current / open credit lines:
| 6
/
6 | Length of status: | 5y 1m |
|
Credit score:
| 640-659 (Jun-2010) |
Total credit lines:
| 20 |
Occupation: | Clerical |
|
Now delinquent:
| 1 |
Revolving credit balance:
| $11,594 | Stated income: | $25,000-$49,999 |
|
Amount delinquent:
| $0 |
Bankcard utilization:
| 115% | | |
|
Public records last 12m / 10y:
| 0/ 1 |
Homeownership:
| Yes | | |
|
Delinquencies in last 7y:
| 0 | | | | |
|
Screen name:
| dollar-haven8 |
Borrower's state:
| NewJersey |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Description
pay off credit card debt
Purpose of loan:
This loan will be used to pay off high interest credit cards.? Had a tough year and a half and had to resort to using credit cards for some living expenses.? Boyfriend had a layoff for quite awhile and unfortunately now I have quite a few bills.? He went back to work but is not making very good money at all.? I have two children and would like to pay off my credit cards in the 36 months that this loan would be for.? Just making min. payments now will take forever and I want to send my kids to college.? Nobody in my family has gone graduated from college so this is VERY important to me.?
I have a stable gov. job but just need to get over this hump.? I can have auto-payment deducted to pay for this loan because I get my pay direct deposited.?
My financial situation:
I am a good candidate for this loan because I have a stable gov. job that I can have automatic payments deducted from.? I am determined to get out of this hole and am committed to do what it takes to make it happen.? I will also be doing some part-time work this summer to add some extra income.?
Monthly net income: $ 3400
Monthly expenses: $
??Housing: $
1385.00
??Insurance:?
? Car expenses: $ 180.00 (insurance)? I do not have a car payment
??Utilities: $
360
??Phone, cable, internet: $
200
??Food, entertainment: $
700
??Clothing, household expenses $
150
??Credit cards and other loans: $
575
??Other expenses: $
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
458113
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:
| B |
Auction Duration:
| 7 days
|
|
Term:
| 36 months |
Estimated loss:
| 5.0% | | |
| | | |
|
|
Starting lender yield:
| 12.85% |
Starting borrower rate/APR:
| 13.85% / 16.01% |
Starting monthly payment:
| $102.31 |
| |
|
Auction yield range:
| 5.99% - 12.85% |
Estimated loss impact:
| 5.21% | | |
|
Lender servicing fee:
| 1.00% |
Estimated return:
| 7.64% | | |
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:
| 33% |
|
Basic (1-10):
| 8 |
Inquiries last 6m:
| 1 | Employment status: | Full-time employee |
| Enhanced (1-5): | 4 |
Current / open credit lines:
| 14
/
12 | Length of status: | 1y 11m |
|
Credit score:
| 740-759 (May-2010) |
Total credit lines:
| 48 |
Occupation: | Nurse (LPN) |
|
Now delinquent:
| 0 |
Revolving credit balance:
| $5,884 | Stated income: | $50,000-$74,999 |
|
Amount delinquent:
| $0 |
Bankcard utilization:
| 52% | | |
|
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| Yes | | |
|
Delinquencies in last 7y:
| 0 | | | | |
|
Screen name:
| cash-buddy5 |
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:
| 2 ( 100% )
| 740-759 (Latest)
|
|
Principal borrowed:
| $3,300.00 | < 31 days late:
| 0
( 0% )
| 680-699
(Nov-2009)
|
|
Principal balance:
| $0.01 |
31+ days late:
| 0
( 0% )
|
|
Total payments billed:
| 2 | | |
Description
Credit Card Consolidation
Purpose of loan:
This loan will be used to pay off a high interest credit card. Unfortunately, I missed one payment and my interest rate went from 9% to 25% with no options to review or reduce this rate until 12 months have lapsed.
My financial situation:
I am a good candidate for this loan because I am a responsible payer and I am committed to paying my debt and maintaining my credit score. I make all efforts to pay on time and in full as quickly as possible.
Monthly net income: $
4000
Monthly expenses: $
??Housing: $
1070
??Insurance: $
120
??Car expenses: $
470
??Utilities: $ 200
??Phone, cable, internet: $
120
??Food, entertainment: $
200 Groceries
??Clothing, household expenses $
0
??Credit cards and other loans: $
400
??Other expenses: $
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
458879
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
|
Amount:
| $11,000.00 |
Prosper Rating:
| C |
Auction Duration:
| 7 days
|
|
Term:
| 36 months |
Estimated loss:
| 7.0% | | |
| | | |
|
|
Starting lender yield:
| 22.55% |
Starting borrower rate/APR:
| 23.55% / 25.84% |
Starting monthly payment:
| $428.97 |
| |
|
Auction yield range:
| 7.99% - 22.55% |
Estimated loss impact:
| 7.53% | | |
|
Lender servicing fee:
| 1.00% |
Estimated return:
| 15.02% | | |
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):
| 6 |
Inquiries last 6m:
| 0 | Employment status: | Full-time employee |
| Enhanced (1-5): | 5 |
Current / open credit lines:
| 6
/
6 | Length of status: | 16y 10m |
|
Credit score:
| 760-779 (May-2010) |
Total credit lines:
| 8 |
Occupation: | Professional |
|
Now delinquent:
| 0 |
Revolving credit balance:
| $17,784 | Stated income: | $100,000+ |
|
Amount delinquent:
| $0 |
Bankcard utilization:
| 42% | | |
|
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| Yes | | |
|
Delinquencies in last 7y:
| 0 | | | | |
|
Screen name:
| nickel-guardian |
Borrower's state:
| Georgia |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Description
Home Renovation coming soon!!!
Purpose of loan:
Im going to use the loan to update my kitchen and bathrooms, new granite countertops, new appliances, updated bathrooms.
My home was built in the 80's and its time for an update.?
My financial situation:
I am the person you want to lend to because, I have a 760+ credit score, NO LATE PAYMENTS EVER!
I always pay my bills on time! Im employed full time and have been all my life.
Thank you so much for bidding upon my listing!
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
460293
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:
| $17,000.00 |
Prosper Rating:
| HR |
Auction Duration:
| 7 days
|
|
Term:
| 36 months |
Estimated loss:
| 18.0% | | |
| | | |
|
|
Starting lender yield:
| 21.00% |
Starting borrower rate/APR:
| 22.00% / 24.26% |
Starting monthly payment:
| $649.24 |
| |
|
Auction yield range:
| 16.99% - 21.00% |
Estimated loss impact:
| 19.19% | | |
|
Lender servicing fee:
| 1.00% |
Estimated return:
| 1.81% | | |
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
|
Prosper scores:
| |
First credit line:
| Sep-1993 |
Debt/Income ratio:
| 46% |
|
Basic (1-10):
| 3 |
Inquiries last 6m:
| 1 | Employment status: | Part-time employee |
| Enhanced (1-5): | 3 |
Current / open credit lines:
| 12
/
8 | Length of status: | 6y 1m |
|
Credit score:
| 700-719 (May-2010) |
Total credit lines:
| 28 |
Occupation: | Administrative Assi... |
|
Now delinquent:
| 0 |
Revolving credit balance:
| $10,921 | Stated income: | $25,000-$49,999 |
|
Amount delinquent:
| $0 |
Bankcard utilization:
| 49% | | |
|
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| Yes | | |
|
Delinquencies in last 7y:
| 15 | | | | |
|
Screen name:
| Meric21 |
Borrower's state:
| Illinois |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Description
Debt Consolidation
This loan will be used to consolidate debt as well as to purchase a used car. I'am on my way to bettering my credit score. Due to loss of tenants a few years back I was forced to rely on credit cards to keep up the mortgage on my investment home. Due to that incident in 2006 I tried to do a debt consolidation not realizing I would devaste my credit and have been working hard to get it back up by reconciling with the original credit card companies.? They have offered settlements of paying half of what is left on the balance, which is partially what I want to use the loan for. Since then I?have made great strides in getting my credit score up. I know this is based on my income alone but I am married and we share our incomes so there is other income coming in other than what I reported for myself. Thanks for your consideration.
My financial situation:
I am a good candidate for this loan because it gives me the opportunity to prove my self to other lenders as well as Prosper Loans for future use.
Monthly net income: $?1450
??Utilities: $ 120
??Phone, cable, internet: $ 115
??Food, entertainment: $ 40
??Credit cards and other loans: $?650 (Which is what I want to consolidate and would only end up having to pay half the balances, they have offered me settlements)
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
460567
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
|
Amount:
| $11,000.00 |
Prosper Rating:
| 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:
| $497.60 |
| |
|
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:
| 41% |
|
Basic (1-10):
| 3 |
Inquiries last 6m:
| 2 | Employment status: | Full-time employee |
| Enhanced (1-5): | 3 |
Current / open credit lines:
| 6
/
6 | Length of status: | 1y 5m |
|
Credit score:
| 680-699 (May-2010) |
Total credit lines:
| 7 |
Occupation: | Other |
|
Now delinquent:
| 0 |
Revolving credit balance:
| $3,347 | Stated income: | $1-$24,999 |
|
Amount delinquent:
| $0 |
Bankcard utilization:
| 36% | | |
|
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| Yes | | |
|
Delinquencies in last 7y:
| 0 | | | | |
|
Screen name:
| ideal-value0 |
Borrower's state:
| Ohio |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Description
Home Renovation,New Siding and Roof
Purpose of loan:
This loan will be used to put new siding and windows on my home, i own my home with no mortgage and thought i would have gotten a better rating than i did, this loan will definitely be getting paid off early because i need the loan to renovate the home and maximize the potential for my cash out loan on the home, i did not want to spend thousands in fees for the loan without having the best appraisal i could.
My financial situation:
I am a good candidate for this loan because i have very few expenses, my car and home was paid for in cash.
Monthly net income:
I bring home after taxes roughly $1300 a month with my job as a stylist and another $1200 with my business that is also provable income, i have been getting a 1099 for the past 2 years, prosper only lets you list 1 type of income and lets you state the other but i can prove both incomes.
Monthly expenses: $
??Insurance: $
100
??Utilities: $
100
??Phone, cable, internet: $
65
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
460753
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:
| $3,800.00 |
Prosper Rating:
| HR |
Auction Duration:
| 7 days
|
|
Term:
| 36 months |
Estimated loss:
| 18.0% | | |
| | | |
|
|
Starting lender yield:
| 23.00% |
Starting borrower rate/APR:
| 24.00% / 26.29% |
Starting monthly payment:
| $149.08 |
| |
|
Auction yield range:
| 16.99% - 23.00% |
Estimated loss impact:
| 19.32% | | |
|
Lender servicing fee:
| 1.00% |
Estimated return:
| 3.68% | | |
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-2005 |
Debt/Income ratio:
| 34% |
|
Basic (1-10):
| 5 |
Inquiries last 6m:
| 0 | Employment status: | Full-time employee |
| Enhanced (1-5): | 2 |
Current / open credit lines:
| 4
/
3 | Length of status: | 0y 3m |
|
Credit score:
| 640-659 (May-2010) |
Total credit lines:
| 6 |
Occupation: | Sales - Commission |
|
Now delinquent:
| 0 |
Revolving credit balance:
| $0 | Stated income: | $1-$24,999 |
|
Amount delinquent:
| $0 |
Bankcard utilization:
| 0% | | |
|
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| No | | |
|
Delinquencies in last 7y:
| 0 | | | | |
|
Screen name:
| wampum-revelry |
Borrower's state:
| Missouri |
Borrower's group:
| Have Money - Will Bid |
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Description
Paying high interest credit card
Purpose of loan:
This loan will be used to pay off a single high-interest credit card. This will pay off the entire balance of the card at a lower interest rate.
My financial situation:
I am a good candidate for this loan because I am in a stable financial situation. I am currently making a payment of this size to my credit card company each month, but I'd like to pay down this balance as quickly as possible.
Monthly net income: $
1200
Monthly expenses: $
715
??Housing: $
335
??Utilities: $
100
? Food, entertainment: $
100
??Clothing, household expenses $
50
??Credit cards and other loans: $
130
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
460991
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:
| Sep-1996 |
Debt/Income ratio:
| Not calculated |
|
Basic (1-10):
| 8 |
Inquiries last 6m:
| 1 | Employment status: | Not employed |
| Enhanced (1-5): | 5 |
Current / open credit lines:
| 8
/
6 | Length of status: | 0y 5m |
|
Credit score:
| 660-679 (May-2010) |
Total credit lines:
| 25 | Stated income: | Not employed |
|
Now delinquent:
| 0 |
Revolving credit balance:
| $6,680 | |
|
Amount delinquent:
| $0 |
Bankcard utilization:
| 97% | | |
|
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| Yes | | |
|
Delinquencies in last 7y:
| 0 | | | | |
|
Screen name:
| happy-note6 |
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
Need help paying for college
Purpose of loan:
This loan will be used to pay for the completion of my B.A. in Organizational Leadership for Not-for-Profits and B.A. in English. I recently completed a successful spring semester with a GPA of 3.45. My financial aid will not cover all of my tuition expenses for me to continue my coursework for the summer session. If I do not pay the remaining balance on my tuition next week I will have to withdraw from classes. I do not want to have to abandon my education as it has already taken me 15 years to complete.
I am a good candidate for this loan because I know the value of having a degree. After my son was born 10 years ago, I took a leave of absence form college to raise him as we were both recovering from an abusive relationship and needed time to heal physically and emotionally. When my son was a year old I began working as a newspaper editor. The pay was low and our family was struggling. I wanted to return to school many times over the past 10 years but my job responsibilities would not allow me to do so. After careful consideration and with the support of my family, I made the decision to leave my position and concentrate on finishing my degree. When I graduate in December, I will be the first person in my family to have gone to and graduated from college. I will also prove to others that having a physical disability does not stop you from making your dreams come true. It my hope to be able to enable others to achieve their goals in the future.
I have received several responses from past loan requests and I am grateful to those who have offered to help but unfortunately I have yet to receive the amount I need to make my loan request successful. It is my hope that I will be able to join the Prosper community as a lender once I receive my degree and rejoin the workforce. My ultimate goal is to help others in need.
Monthly net income: $ $1,300.00
Monthly expenses:
Housing: $0
??Insurance: $0
??Car expenses: $0
??Utilities: $0
??Phone, cable, internet: $0
??Food, entertainment: $100
??Clothing, household expenses $0
??Credit cards and other loans: $600
??Other expenses: $0
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
461003
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
|
Amount:
| $4,000.00 |
Prosper Rating:
| C |
Auction Duration:
| 7 days
|
|
Term:
| 36 months |
Estimated loss:
| 8.0% | | |
| | | |
|
|
Starting lender yield:
| 21.69% |
Starting borrower rate/APR:
| 22.69% / 24.96% |
Starting monthly payment:
| $154.19 |
| |
|
Auction yield range:
| 7.99% - 21.69% |
Estimated loss impact:
| 8.51% | | |
|
Lender servicing fee:
| 1.00% |
Estimated return:
| 13.18% | | |
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
|
Prosper scores:
| |
First credit line:
| Sep-1998 |
Debt/Income ratio:
| 46% |
|
Basic (1-10):
| 8 |
Inquiries last 6m:
| 2 | Employment status: | Full-time employee |
| Enhanced (1-5): | 3 |
Current / open credit lines:
| 10
/
10 | Length of status: | 11y 10m |
|
Credit score:
| 720-739 (May-2010) |
Total credit lines:
| 27 |
Occupation: | Military Enlisted |
|
Now delinquent:
| 0 |
Revolving credit balance:
| $20,761 | Stated income: | $25,000-$49,999 |
|
Amount delinquent:
| $0 |
Bankcard utilization:
| 58% | | |
|
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| Yes | | |
|
Delinquencies in last 7y:
| 0 | | | | |
|
Screen name:
| WOLFY500 |
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 / 2 |
On-time:
| 40 ( 100% )
| 720-739 (Latest)
|
|
Principal borrowed:
| $12,100.00 | < 31 days late:
| 0
( 0% )
| 760-779
(Sep-2008)
760-779
(Dec-2007)
|
|
Principal balance:
| $0.34 |
31+ days late:
| 0
( 0% )
|
|
Total payments billed:
| 40 | | |
Description
Need to get rid of my credit cards!
Purpose of loan:
I will be using this loan to consolidate two of my credit cards.? Over the past year during all the banking issues and credit card rule changes, my credit cards went up to a 30% interest rate.? I am trying to pay them off and was making head untill the rate increase. Now it is almost impossible to make any head way.?
My financial situation:
I am a good candidate for this loan because for one thing I am in the Air Force. I will be hitting my 12 year mark this summer, and still have 4 years left on my current enlistment. I have already had to loans funded here and have paid in full on both, and never had a late payment. Also I was a lender on here untill the new rule changes took effect and seeing I am in Az, I am not allowed to lend any more money out. So I know what its like to have loans that you lose money on.? I would rather pay 25% interest to honest people than 30% interest to greedy, heartless banks. Also As to my HR rating that is shown, i hit that box by accident and cant change it.
Monthly net income: $ 4100
Monthly expenses: $
??Housing: $ 1400
??Insurance: $ 120
??Car expenses: $550
??Utilities: $ 60-250(it gets reall hot in phoenix)
??Phone, cable, internet: $ 75
??Food, entertainment: $ 180
??Clothing, household expenses $ minimal
??Credit cards and other loans: $?
??Other expenses: $
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
461005
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:
| $9,100.00 |
Prosper Rating:
| HR |
Auction Duration:
| 7 days
|
|
Term:
| 36 months |
Estimated loss:
| 18.0% | | |
| | | |
|
|
Starting lender yield:
| 24.00% |
Starting borrower rate/APR:
| 25.00% / 27.31% |
Starting monthly payment:
| $361.81 |
| |
|
Auction yield range:
| 16.99% - 24.00% |
Estimated loss impact:
| 19.38% | | |
|
Lender servicing fee:
| 1.00% |
Estimated return:
| 4.62% | | |
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:
| Feb-1997 |
Debt/Income ratio:
| 24% |
|
Basic (1-10):
| 5 |
Inquiries last 6m:
| 1 | Employment status: | Full-time employee |
| Enhanced (1-5): | 4 |
Current / open credit lines:
| 6
/
6 | Length of status: | 5y 0m |
|
Credit score:
| 640-659 (Jun-2010) |
Total credit lines:
| 22 |
Occupation: | Sales - Commission |
|
Now delinquent:
| 1 |
Revolving credit balance:
| $6,504 | Stated income: | $25,000-$49,999 |
|
Amount delinquent:
| $0 |
Bankcard utilization:
| 70% | | |
|
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| Yes | | |
|
Delinquencies in last 7y:
| 13 | | | | |
|
Screen name:
| sharp-exchange9 |
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
consolidating and need vehicle
Purpose of loan:
This loan will be used to?
pay off higher rate debt to try and get ahead on payments?and also to purchase a vehicle.
My financial situation:
I am a good candidate for this loan because?
I work full-time and also have a part-time job.??Born?and raised in a small town.?? I?had some unexpected health issues and?ended up?falling behind on payments.? I?have?had all surgeries and?in final stages of?recovery.? ?
Monthly net income: $
2200.00
Monthly expenses: $
??Housing: $455.00
??Insurance: $?128.00
??Car expenses: $400
??Utilities: $45.00
??Phone, cable, internet: $ 140.00
??Food, entertainment: $ 350.00
??Clothing, household expenses $100.00
??Credit cards and other loans: $460.00?
??Other expenses: $250.00
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
461009
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:
| $4,400.00 |
Prosper Rating:
| D |
Auction Duration:
| 7 days
|
|
Term:
| 36 months |
Estimated loss:
| 10.0% | | |
| | | |
|
|
Starting lender yield:
| 12.00% |
Starting borrower rate/APR:
| 13.00% / 15.14% |
Starting monthly payment:
| $148.25 |
| |
|
Auction yield range:
| 10.99% - 12.00% |
Estimated loss impact:
| 10.26% | | |
|
Lender servicing fee:
| 1.00% |
Estimated return:
| 1.74% | | |
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-2004 |
Debt/Income ratio:
| 5% |
|
Basic (1-10):
| 7 |
Inquiries last 6m:
| 0 | Employment status: | Full-time employee |
| Enhanced (1-5): | 5 |
Current / open credit lines:
| 5
/
4 | Length of status: | 6y 5m |
|
Credit score:
| 700-719 (Jun-2010) |
Total credit lines:
| 7 |
Occupation: | Psychologist |
|
Now delinquent:
| 0 |
Revolving credit balance:
| $2,472 | Stated income: | $50,000-$74,999 |
|
Amount delinquent:
| $0 |
Bankcard utilization:
| 84% | | |
|
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| No | | |
|
Delinquencies in last 7y:
| 0 | | | | |
|
Screen name:
| blissful-finance7 |
Borrower's state:
| California |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Description
Paying off all my debt into 1
Purpose of loan:
This loan will be used to pay of my high interest rate Walmart, Visa and billmelater acct.
My financial situation:
I am a good candidate for this loan because I am Full Time and should be getting bumped up to supervisor with the next available opening. I have never defaulted on anything in my life and would rather take out this loan then borrowing from my 401k
Monthly net income: $3000
Monthly expenses: $
??Housing: $
1080
??Insurance: $
81
??Car expenses: $
0 I own the pink slip on my 2007 vehicle
??Utilities: $
100
??Phone, cable, internet: $
120
??Food, entertainment: $
300
??Clothing, household expenses $
100
??Credit cards and other loans: $ 100 (Just my student loan would be remaining which I pay $100)
??Other expenses: $
300
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
461015
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-1987 |
Debt/Income ratio:
| Self-employed (DTI Not Calculated) |
|
Basic (1-10):
| 2 |
Inquiries last 6m:
| 8 | Employment status: | Self-employed |
| Enhanced (1-5): | 2 |
Current / open credit lines:
| 9
/
8 | Length of status: | 2y 0m |
|
Credit score:
| 840-859 (May-2010) |
Total credit lines:
| 26 |
Occupation: | Engineer - Electric... |
|
Now delinquent:
| 0 |
Revolving credit balance:
| $15,839 | Stated income: | $50,000-$74,999 |
|
Amount delinquent:
| $0 |
Bankcard utilization:
| 0% | | |
|
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| Yes | | |
|
Delinquencies in last 7y:
| 0 | | | | |
|
Screen name:
| UR2KIND |
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
Resturant Opening
Purpose of loan:
This loan will be used to?
My financial situation:
I am a good candidate for this loan because
Monthly net income: $ 4200.00
Monthly expenses: $
??Housing: $ 1100.00
??Insurance: $ 312.54????????
??Car expenses: $ I own my Vehicle
??Utilities: $ 230.13
??Phone, cable, internet: $234.00?
??Food, entertainment: $ 300.00
??Clothing, household expenses $?200.00
??Credit cards and other loans: $ 400.00
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
461017
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:
| $12,500.00 |
Prosper Rating:
| AA |
Auction Duration:
| 7 days
|
|
Term:
| 36 months |
Estimated loss:
| 1.5% | | |
| | | |
|
|
Starting lender yield:
| 8.44% |
Starting borrower rate/APR:
| 9.44% / 9.78% |
Starting monthly payment:
| $400.06 |
| |
|
Auction yield range:
| 2.99% - 8.44% |
Estimated loss impact:
| 1.50% | | |
|
Lender servicing fee:
| 1.00% |
Estimated return:
| 6.94% | | |
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-2001 |
Debt/Income ratio:
| 12% |
|
Basic (1-10):
| 8 |
Inquiries last 6m:
| 1 | Employment status: | Full-time employee |
| Enhanced (1-5): | 4 |
Current / open credit lines:
| 8
/
6 | Length of status: | 5y 8m |
|
Credit score:
| 800-819 (Jun-2010) |
Total credit lines:
| 13 |
Occupation: | Postal Service |
|
Now delinquent:
| 0 |
Revolving credit balance:
| $0 | 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:
| wealth-financier9 |
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
finishing our basement
Purpose of loan:
This loan will be used to?finish the basement of the home we own, thus creating more liveable space for our growing family, which includes three busy children. We plan to stay in our current home for?many years, so this will not only be a good financial investment for us, but also a quality of life improvement. ?
My financial situation:
I am a good candidate for this loan because?I am a stable, responsible, married, hard working person whose only "debt" is my mortgage (the "Borrower's Credit?Profile"?is incorrect--WE DO OWN OUR HOME). ?My family and I live frugally and time together is more important to us than material posessions. We have no plans for any major purchases in the near future.
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
461033
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
|
Amount:
| $1,600.00 |
Prosper Rating:
| C |
Auction Duration:
| 7 days
|
|
Term:
| 36 months |
Estimated loss:
| 6.5% | | |
| | | |
|
|
Starting lender yield:
| 22.00% |
Starting borrower rate/APR:
| 23.00% / 25.37% |
Starting monthly payment:
| $61.94 |
| |
|
Auction yield range:
| 7.99% - 22.00% |
Estimated loss impact:
| 7.02% | | |
|
Lender servicing fee:
| 1.00% |
Estimated return:
| 14.98% | | |
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-1979 |
Debt/Income ratio:
| 42% |
|
Basic (1-10):
| 10 |
Inquiries last 6m:
| 0 | Employment status: | Retired |
| Enhanced (1-5): | 2 |
Current / open credit lines:
| 23
/
14 | Length of status: | 8y 0m |
|
Credit score:
| 680-699 (May-2010) |
Total credit lines:
| 54 | Stated income: | $50,000-$74,999 |
|
Now delinquent:
| 0 |
Revolving credit balance:
| $164,734 | |
|
Amount delinquent:
| $0 |
Bankcard utilization:
| 91% | | |
|
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| Yes | | |
|
Delinquencies in last 7y:
| 2 | | | | |
|
Screen name:
| portages |
Borrower's state:
| Michigan |
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:
| 20 ( 100% )
| 680-699 (Latest)
|
|
Principal borrowed:
| $3,500.00 | < 31 days late:
| 0
( 0% )
| 680-699
(Mar-2010)
700-719
(Sep-2008)
680-699
(Aug-2008)
|
|
Principal balance:
| $1,863.15 |
31+ days late:
| 0
( 0% )
|
|
Total payments billed:
| 20 | | |
Description
Personal Loan For Variety of Items
I plan to use this loan to help my 92 year old motherwho is on a small soc. security income pay for? left over bills from surgery due to an accident; fund the purchase of a new computer as my current mainframe will no longer support security changes and browser updates; finish several small in home kitchen? renovations;
I have? two main sources of income to service this debt(public pension and social security) as well as a part time arts consulting agency.
My financial situation: I currently have two sources of income that increase-one every October by 70.00 per month and the other usually(soc. security pegged to inflation). I have one cureent prosper loan that was used to install a stone seawall erosion protection on my lakefront property-residence.
Monthly net income: $ 5,400
Monthly expenses: $
??Housing: $?1228
??Insurance: $?600
??Car expenses: $ 125
??Utilities: $?225
??Phone, cable, internet: $ 125
??Food, entertainment: $ 400
??Clothing, household expenses $ 350
??Credit cards and other loans: $
??Other expenses: $
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
461035
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:
| May-2002 |
Debt/Income ratio:
| 36% |
|
Basic (1-10):
| 8 |
Inquiries last 6m:
| 2 | Employment status: | Full-time employee |
| Enhanced (1-5): | 2 |
Current / open credit lines:
| 23
/
17 | Length of status: | 8y 5m |
|
Credit score:
| 660-679 (May-2010) |
Total credit lines:
| 41 |
Occupation: | Other |
|
Now delinquent:
| 0 |
Revolving credit balance:
| $21,299 | Stated income: | $50,000-$74,999 |
|
Amount delinquent:
| $0 |
Bankcard utilization:
| 75% | | |
|
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| Yes | | |
|
Delinquencies in last 7y:
| 0 | | | | |
|
Screen name:
| finders18 |
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
Personal loan for landscaping
Purpose of loan:
This loan will be used to do landscaping on my primary residence.
My financial situation:
I am a good candidate for this loan because i work a steady job for the past 8 years and have my paid my bills on time .
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
461041
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:
| 25.25% |
Starting borrower rate/APR:
| 26.25% / 28.57% |
Starting monthly payment:
| $121.27 |
| |
|
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:
| Aug-2002 |
Debt/Income ratio:
| 21% |
|
Basic (1-10):
| 6 |
Inquiries last 6m:
| 1 | Employment status: | Full-time employee |
| Enhanced (1-5): | 4 |
Current / open credit lines:
| 7
/
6 | Length of status: | 7y 6m |
|
Credit score:
| 740-759 (Jun-2010) |
Total credit lines:
| 21 |
Occupation: | Military Enlisted |
|
Now delinquent:
| 0 |
Revolving credit balance:
| $1,473 | Stated income: | $25,000-$49,999 |
|
Amount delinquent:
| $0 |
Bankcard utilization:
| 49% | | |
|
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| No | | |
|
Delinquencies in last 7y:
| 0 | | | | |
|
Screen name:
| alluring-reward |
Borrower's state:
| Washington |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Description
Need a second used vehicle
Purpose of loan:
To procure a second vehicle?
My financial situation:
I am a good candidate for this loan because? I?always pay my bills on-time and have NEVER defaulted or had any?vehicle repo'd?
Monthly net income: $ 4057.00
Monthly expenses: $
??Housing: $ 599
??Insurance: $ 169.00
??Car expenses: $ 169.00
??Utilities: $ 80.00
??Phone, cable, internet: $ 80.00
??Food, entertainment: $ 300.00
??Clothing, household expenses $
??Credit cards and other loans: $ 500.00
??Other expenses: $
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
461045
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:
| 25.0% | | |
| | | |
|
|
Starting lender yield:
| 34.00% |
Starting borrower rate/APR:
| 35.00% / 37.45% |
Starting monthly payment:
| $113.09 |
| |
|
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:
| Jul-1989 |
Debt/Income ratio:
| 11% |
|
Basic (1-10):
| 2 |
Inquiries last 6m:
| 9 | Employment status: | Full-time employee |
| Enhanced (1-5): | 2 |
Current / open credit lines:
| 8
/
7 | Length of status: | 0y 3m |
|
Credit score:
| 640-659 (May-2010) |
Total credit lines:
| 14 |
Occupation: | Computer Programmer |
|
Now delinquent:
| 2 |
Revolving credit balance:
| $378 | Stated income: | $100,000+ |
|
Amount delinquent:
| $43,438 |
Bankcard utilization:
| 29% | | |
|
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| No | | |
|
Delinquencies in last 7y:
| 0 | | | | |
|
Screen name:
| perivorian |
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
Repairing childs communication sys
Purpose of loan:
This loan will be used to repair a portable device used by my child to help her communicate, she is unable to talk without the device.
The device has broken unexpectedly.
My financial situation:
I am a good candidate for this loan because I have a very high salary and have worked in the same industry for 15 years.
Monthly net income: $
9000
Monthly expenses: $ 4800
??Housing: $
850
??Insurance: $ 200
??Car expenses: $ 250
??Utilities: $
1500
??Phone, cable, internet: $
400
??Food, entertainment: $500
??Clothing, household expenses $
300
??Credit cards and other loans: $
300
??Other expenses: $ 500
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
461047
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:
| 25.0% | | |
| | | |
|
|
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:
| 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):
| 3 |
Inquiries last 6m:
| 0 | Employment status: | Full-time employee |
| Enhanced (1-5): | 5 |
Current / open credit lines:
| 3
/
4 | Length of status: | 5y 9m |
|
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 good prosper 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
461051
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:
| 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:
| $159.79 |
| |
|
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:
| Oct-1999 |
Debt/Income ratio:
| 19% |
|
Basic (1-10):
| 9 |
Inquiries last 6m:
| 2 | Employment status: | Full-time employee |
| Enhanced (1-5): | 3 |
Current / open credit lines:
| 10
/
7 | Length of status: | 4y 1m |
|
Credit score:
| 780-799 (May-2010) |
Total credit lines:
| 17 |
Occupation: | Food Service |
|
Now delinquent:
| 0 |
Revolving credit balance:
| $4,166 | Stated income: | $50,000-$74,999 |
|
Amount delinquent:
| $0 |
Bankcard utilization:
| 9% | | |
|
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| Yes | | |
|
Delinquencies in last 7y:
| 0 | | | | |
|
Screen name:
| power-radio |
Borrower's state:
| Texas |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Description
Debt Consolidation
Purpose of loan:
This loan will be used to pay off a higher percentage credit card balance.
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
461053
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:
| Jan-1987 |
Debt/Income ratio:
| 41% |
|
Basic (1-10):
| 5 |
Inquiries last 6m:
| 1 | Employment status: | Full-time employee |
| Enhanced (1-5): | 3 |
Current / open credit lines:
| 10
/
6 | Length of status: | 30y 4m |
|
Credit score:
| 700-719 (Jun-2010) |
Total credit lines:
| 35 |
Occupation: | Other |
|
Now delinquent:
| 0 |
Revolving credit balance:
| $195 | Stated income: | $25,000-$49,999 |
|
Amount delinquent:
| $0 |
Bankcard utilization:
| 39% | | |
|
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| Yes | | |
|
Delinquencies in last 7y:
| 0 | | | | |
|
Screen name:
| creative-capital3 |
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
Home improvement
Purpose of loan:
This loan will be used to?
My financial situation:
I am a good candidate for this loan because?
Monthly net income: $
Monthly expenses: $
??Housing: $
??Insurance: $
??Car expenses: $
??Utilities: $
??Phone, cable, internet: $
??Food, entertainment: $
??Clothing, household expenses $
??Credit cards and other loans: $
??Other expenses: $
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
461059
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
|
Amount:
| $4,000.00 |
Prosper Rating:
| D |
Auction Duration:
| 7 days
|
|
Term:
| 36 months |
Estimated loss:
| 10.0% | | |
| | | |
|
|
Starting lender yield:
| 25.25% |
Starting borrower rate/APR:
| 26.25% / 28.57% |
Starting monthly payment:
| $161.70 |
| |
|
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:
| Nov-1987 |
Debt/Income ratio:
| Not calculated |
|
Basic (1-10):
| 6 |
Inquiries last 6m:
| 2 | Employment status: | Full-time employee |
| Enhanced (1-5): | 4 |
Current / open credit lines:
| 13
/
12 | Length of status: | 0y 10m |
|
Credit score:
| 720-739 (May-2010) |
Total credit lines:
| 15 |
Occupation: | Teacher |
|
Now delinquent:
| 0 |
Revolving credit balance:
| $4,655 | Stated income: | $25,000-$49,999 |
|
Amount delinquent:
| $0 |
Bankcard utilization:
| 26% | | |
|
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| No | | |
|
Delinquencies in last 7y:
| 0 | | | | |
|
Screen name:
| dedication-ace3 |
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
My educational loan
Purpose of loan:
This loan will be used to help pay tuition costs as I plan on taking courses to receive my Masters. I am looking to advance into the administration sector of education once I have completed my Masters.
My financial situation:
I am a good candidate for this loan because I am trustworthy and have a proven record of paying bills and other expenses on time.
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
461081
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:
| $2,400.00 |
Prosper Rating:
| AA |
Auction Duration:
| 7 days
|
|
Term:
| 36 months |
Estimated loss:
| 0.6% | | |
| | | |
|
|
Starting lender yield:
| 14.00% |
Starting borrower rate/APR:
| 15.00% / 15.36% |
Starting monthly payment:
| $83.20 |
| |
|
Auction yield range:
| 2.99% - 14.00% |
Estimated loss impact:
| 0.62% | | |
|
Lender servicing fee:
| 1.00% |
Estimated return:
| 13.38% | | |
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:
| Apr-1998 |
Debt/Income ratio:
| 37% |
|
Basic (1-10):
| 10 |
Inquiries last 6m:
| 0 | Employment status: | Full-time employee |
| Enhanced (1-5): | 3 |
Current / open credit lines:
| 13
/
12 | Length of status: | 2y 11m |
|
Credit score:
| 720-739 (Jun-2010) |
Total credit lines:
| 26 |
Occupation: | Truck Driver |
|
Now delinquent:
| 0 |
Revolving credit balance:
| $81,742 | Stated income: | $25,000-$49,999 |
|
Amount delinquent:
| $0 |
Bankcard utilization:
| 85% | | |
|
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| Yes | | |
|
Delinquencies in last 7y:
| 0 | | | | |
|
Screen name:
| systematic-dough |
Borrower's state:
| Montana |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Description
Pay off high interest credit card
Purpose of loan:
This loan will be used to?
pay off one of my credit cards that has an interest rate in the high 20's.
My financial situation:
I am a good candidate for this loan because?I always pay my bills, no matter what. My revolving credit balance is high because I have a HELOC on my house, so that is not all credit cards. Any questions, please ask.
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
461087
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
|
Amount:
| $15,000.00 |
Prosper Rating:
| HR |
Auction Duration:
| 7 days
|
|
Term:
| 36 months |
Estimated loss:
| 18.0% | | |
| | | |
|
|
Starting lender yield:
| 34.00% |
Starting borrower rate/APR:
| 35.00% / 37.45% |
Starting monthly payment:
| $678.54 |
| |
|
Auction yield range:
| 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-1991 |
Debt/Income ratio:
| 43% |
|
Basic (1-10):
| 5 |
Inquiries last 6m:
| 1 | Employment status: | Full-time employee |
| Enhanced (1-5): | 2 |
Current / open credit lines:
| 14
/
14 | Length of status: | 7y 9m |
|
Credit score:
| 760-779 (Jun-2010) |
Total credit lines:
| 36 |
Occupation: | Professional |
|
Now delinquent:
| 1 |
Revolving credit balance:
| $18,627 | Stated income: | $50,000-$74,999 |
|
Amount delinquent:
| $0 |
Bankcard utilization:
| 70% | | |
|
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| Yes | | |
|
Delinquencies in last 7y:
| 0 | | | | |
|
Screen name:
| dignified-balance |
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 and Close
Purpose of loan:
This loan will be used to? Pay off credit cards and close accounts
My financial situation:
I am a good candidate for this loan because? I am very comfortable making more then minimum payments I have right now, so I don't NEED the loan, but would like to consolidate to one bill, one interest rate,?and pay off in a shorter amount of time. I have my spouse that also contributes 100% with an annual base income of $64,000.
Monthly net income: $ 3106? gross $4436
Monthly expenses: $
??Housing: $ 2040
??Insurance: $ 335
??Car expenses: $ 100?
??Utilities: $ 150
??Phone, cable, internet: $ 50
??Food, entertainment: $ 200
??Clothing, household expenses $ 100
??Credit cards and other loans: $ 435
??Other expenses: $
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
461089
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
|
Amount:
| $5,000.00 |
Prosper Rating:
| HR |
Auction Duration:
| 7 days
|
|
Term:
| 36 months |
Estimated loss:
| 25.0% | | |
| | | |
|
|
Starting lender yield:
| 34.00% |
Starting borrower rate/APR:
| 35.00% / 37.45% |
Starting monthly payment:
| $226.18 |
| |
|
Auction yield range:
| 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:
| Dec-1999 |
Debt/Income ratio:
| 33% |
|
Basic (1-10):
| 3 |
Inquiries last 6m:
| 1 | Employment status: | Full-time employee |
| Enhanced (1-5): | 1 |
Current / open credit lines:
| 8
/
5 | Length of status: | 6y 11m |
|
Credit score:
| 680-699 (Jun-2010) |
Total credit lines:
| 19 |
Occupation: | Military Enlisted |
|
Now delinquent:
| 0 |
Revolving credit balance:
| $0 | Stated income: | $50,000-$74,999 |
|
Amount delinquent:
| $0 |
Bankcard utilization:
| 0% | | |
|
Public records last 12m / 10y:
| 0/ 1 |
Homeownership:
| Yes | | |
|
Delinquencies in last 7y:
| 0 | | | | |
|
Screen name:
| order-holly5 |
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
Paying off some bills
Purpose of loan:
This loan will be used to? Pay off some other bills to lower?the amount off money?I send out every month. I have worked hard to rebuild my credit from some mistakes?I made when?I was younger and I am?doing my best to keep my bills under control. I am in the military and?I drive 135 miles per day?for work, when gas prices went up so?high put me in a bad situation. I need this loan to?pay off some other stuff so my credit does not get any worse.?
My financial situation:
I am a good candidate for this loan because? I am in the Military with a very stable job. I have no problem making the monthly payment every month on time.
Monthly net income: $3690.00
Monthly expenses: $
??Housing: $?000.00
??Insurance: $ 155.00
??Car expenses: $ 360.00
??Utilities: $ 000.00
??Phone, cable, internet: $60.00
??Food, entertainment: $ 300.00
??Clothing, household expenses $?
??Credit cards and other loans: $?
??Other expenses: $
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
461101
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:
| 20.00% |
Starting borrower rate/APR:
| 21.00% / 23.25% |
Starting monthly payment:
| $188.38 |
| |
|
Auction yield range:
| 10.99% - 20.00% |
Estimated loss impact:
| 10.48% | | |
|
Lender servicing fee:
| 1.00% |
Estimated return:
| 9.52% | | |
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-2003 |
Debt/Income ratio:
| 10% |
|
Basic (1-10):
| 8 |
Inquiries last 6m:
| 1 | Employment status: | Full-time employee |
| Enhanced (1-5): | 4 |
Current / open credit lines:
| 5
/
5 | Length of status: | 0y 2m |
|
Credit score:
| 640-659 (May-2010) |
Total credit lines:
| 19 |
Occupation: | Other |
|
Now delinquent:
| 0 |
Revolving credit balance:
| $1,522 | Stated income: | $25,000-$49,999 |
|
Amount delinquent:
| $0 |
Bankcard utilization:
| 13% | | |
|
Public records last 12m / 10y:
| 1/ 1 |
Homeownership:
| No | | |
|
Delinquencies in last 7y:
| 2 | | | | |
|
Screen name:
| gain-library |
Borrower's state:
| Illinois |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Description
Paying off medical bills..help
Purpose of the loan: This loan will be used to pay the medical expenses I incurred from an emergency room visit on April 9, 2010. I was diagnosed with endometriosis. I got a job in April, 2010 but my medical insurance started on May 1st. Hence, the insurance will not cover the bills. So far the bill amount is $4000.There are a few more to come. My husband also have a student loan amounting $3000 with high interest rate. I am trying to pay off the loan with a lower interest rate loan. Every help is much appreciated.
My financial situation: I recently got a job as a personal banker at Chase. I will have a steady income but currently I am just catching up on my last 1 year of unemployment. My husband was laid off last year too. Therefore we filed bankruptcy last year because we couldn't afford the credit card bills without any income. Currently I only have one credit card open for rebuilding my credit history.
I am a good candidate for this loan because I have a full time job and I can pay off the loan.
Monthly net income: $2500
Monthly expenses: $ 2135
??Housing: $800 rent
??Insurance: $60
??Car expenses: No cars but transportation $120
??Utilities: $100
??Phone, cable, internet: $200
??Food, entertainment: $350
??Clothing, household expenses $200
??Credit cards and other loans: $105 (this is my husband's student loan monthly payment)
??Other expenses: $200
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
461111
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:
| 34.00% |
Starting borrower rate/APR:
| 35.00% / 37.45% |
Starting monthly payment:
| $407.12 |
| |
|
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:
| Jul-1999 |
Debt/Income ratio:
| Self-employed (DTI Not Calculated) |
|
Basic (1-10):
| 5 |
Inquiries last 6m:
| 0 | Employment status: | Self-employed |
| Enhanced (1-5): | 4 |
Current / open credit lines:
| 7
/
5 | Length of status: | 0y 3m |
|
Credit score:
| 660-679 (Jun-2010) |
Total credit lines:
| 15 |
Occupation: | Homemaker |
|
Now delinquent:
| 0 |
Revolving credit balance:
| $19,606 | Stated income: | $25,000-$49,999 |
|
Amount delinquent:
| $0 |
Bankcard utilization:
| 92% | | |
|
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| No | | |
|
Delinquencies in last 7y:
| 0 | | | | |
|
Screen name:
| peaceful-agreement7 |
Borrower's state:
| Massachusetts |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Description
Paying off credit cards
Purpose of loan:
This loan will be used to consolidate my debt.
My financial situation:
I am a good candidate for this loan because as my credit history shows, I stay current with my payments.
Monthly net income: $ 1700
Monthly expenses: $
??Housing: $ 300
??Insurance: $ 0
??Car expenses: $ 0
??Utilities: $ 0
??Phone, cable, internet: $?30
??Food, entertainment: $ 200
??Clothing, household expenses $
??Credit cards and other loans: $?400
??Other expenses: $
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
461117
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:
| D |
Auction Duration:
| 7 days
|
|
Term:
| 36 months |
Estimated loss:
| 10.0% | | |
| | | |
|
|
Starting lender yield:
| 14.99% |
Starting borrower rate/APR:
| 15.99% / 18.17% |
Starting monthly payment:
| $210.91 |
| |
|
Auction yield range:
| 10.99% - 14.99% |
Estimated loss impact:
| 10.34% | | |
|
Lender servicing fee:
| 1.00% |
Estimated return:
| 4.65% | | |
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-1988 |
Debt/Income ratio:
| 41% |
|
Basic (1-10):
| 7 |
Inquiries last 6m:
| 1 | Employment status: | Full-time employee |
| Enhanced (1-5): | 4 |
Current / open credit lines:
| 16
/
9 | Length of status: | 1y 7m |
|
Credit score:
| 740-759 (Jun-2010) |
Total credit lines:
| 50 |
Occupation: | Clerical |
|
Now delinquent:
| 0 |
Revolving credit balance:
| $8,194 | Stated income: | $25,000-$49,999 |
|
Amount delinquent:
| $0 |
Bankcard utilization:
| 38% | | |
|
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| Yes | | |
|
Delinquencies in last 7y:
| 0 | | | | |
|
Screen name:
| new-unafraid-contract |
Borrower's state:
| Ohio |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Description
Bye Bye Bank of America
I want to pay off a credit card account with Bank of America that is charging me 26.74% even though I have never been one day late on any payment in my life. Check my credit history. No delinquencies listed in the last 7 years. There weren't any before that either.
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
461119
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
|
Amount:
| $25,000.00 |
Prosper Rating:
| HR |
Auction Duration:
| 7 days
|
|
Term:
| 36 months |
Estimated loss:
| 18.0% | | |
| | | |
|
|
Starting lender yield:
| 16.99% |
Starting borrower rate/APR:
| 17.99% / 20.20% |
Starting monthly payment:
| $903.68 |
| |
|
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:
| Aug-1994 |
Debt/Income ratio:
| 71% |
|
Basic (1-10):
| 4 |
Inquiries last 6m:
| 1 | Employment status: | Full-time employee |
| Enhanced (1-5): | 3 |
Current / open credit lines:
| 17
/
15 | Length of status: | 6y 2m |
|
Credit score:
| 660-679 (Jun-2010) |
Total credit lines:
| 48 |
Occupation: | Professional |
|
Now delinquent:
| 0 |
Revolving credit balance:
| $22,488 | Stated income: | $25,000-$49,999 |
|
Amount delinquent:
| $0 |
Bankcard utilization:
| 72% | | |
|
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| No | | |
|
Delinquencies in last 7y:
| 0 | | | | |
|
Screen name:
| bold-upbeat-silver |
Borrower's state:
| Louisiana |
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 and Home Repair
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
461123
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:
| D |
Auction Duration:
| 7 days
|
|
Term:
| 36 months |
Estimated loss:
| 10.0% | | |
| | | |
|
|
Starting lender yield:
| 21.88% |
Starting borrower rate/APR:
| 22.88% / 25.16% |
Starting monthly payment:
| $231.88 |
| |
|
Auction yield range:
| 10.99% - 21.88% |
Estimated loss impact:
| 10.53% | | |
|
Lender servicing fee:
| 1.00% |
Estimated return:
| 11.35% | | |
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-2003 |
Debt/Income ratio:
| 34% |
|
Basic (1-10):
| 7 |
Inquiries last 6m:
| 0 | Employment status: | Full-time employee |
| Enhanced (1-5): | 5 |
Current / open credit lines:
| 9
/
9 | Length of status: | 3y 8m |
|
Credit score:
| 680-699 (Jun-2010) |
Total credit lines:
| 13 |
Occupation: | Other |
|
Now delinquent:
| 0 |
Revolving credit balance:
| $6,791 | Stated income: | $25,000-$49,999 |
|
Amount delinquent:
| $0 |
Bankcard utilization:
| 70% | | |
|
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| No | | |
|
Delinquencies in last 7y:
| 0 | | | | |
|
Screen name:
| cash-cluster |
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
Debt Consolidation
Purpose of loan:
Help to pay off Higher Interest Credit Cards
My financial situation:
I have a full time job and regularly make all scheduled payments on time without issue.
Monthly net income: $ 2130
Monthly expenses: $
??Housing: $
100
??Insurance: $
100
??Car expenses: $
60
??Utilities: $
0
??Phone, cable, internet: $
80
??Food, entertainment: $
200
??Clothing, household expenses $
100
??Credit cards and other loans: $
500-700
??Other expenses: $
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
461131
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:
| 24.00% |
Starting borrower rate/APR:
| 25.00% / 27.31% |
Starting monthly payment:
| $397.60 |
| |
|
Auction yield range:
| 16.99% - 24.00% |
Estimated loss impact:
| 19.38% | | |
|
Lender servicing fee:
| 1.00% |
Estimated return:
| 4.62% | | |
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:
| Oct-1999 |
Debt/Income ratio:
| 24% |
|
Basic (1-10):
| 4 |
Inquiries last 6m:
| 1 | Employment status: | Full-time employee |
| Enhanced (1-5): | 4 |
Current / open credit lines:
| 13
/
9 | Length of status: | 4y 5m |
|
Credit score:
| 640-659 (May-2010) |
Total credit lines:
| 21 |
Occupation: | Computer Programmer |
|
Now delinquent:
| 2 |
Revolving credit balance:
| $3,273 | Stated income: | $75,000-$99,999 |
|
Amount delinquent:
| $101,726 |
Bankcard utilization:
| 25% | | |
|
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| Yes | | |
|
Delinquencies in last 7y:
| 4 | | | | |
|
Screen name:
| ArsGodFather |
Borrower's state:
| Washington |
Borrower's group:
| Ars OpenForum Members |
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% )
| 640-659 (Latest)
|
|
Principal borrowed:
| $4,000.00 | < 31 days late:
| 0
( 0% )
| 640-659
(Apr-2008)
660-679
(Mar-2008)
|
|
Principal balance:
| $1,392.19 |
31+ days late:
| 0
( 0% )
|
|
Total payments billed:
| 25 | | |
Description
Helping my wife and I get pregnant
Purpose of loan:
My wife is 31 and I am 28 and we have been trying to get pregnant for about 5 years. We recently found out that not only does she have a limited egg supply but she also has completely non-functional tubes and the only option left for us to get Invitro Fertilization (IVF.) We got our IVF estimate and it is going to cost about $20,00 and we need to pay for it in full by the end of August if we want to get into the September cycle. Due to the limited egg supply getting started as soon as possible is critical.
This is our last chance to have children of our own, please help us make our dreams come true.
My financial situation:
On paper it may look like I am risky candidate, but I can assure you that we are financially sound at this point in time. We got sucked into the housing market and ended up buying a house that we simply couldn't afford to keep after the loan adjusted. We have worked with the bank and are about 30 days away from securing a short sale which will remove the foreclosure from our credit.
We have recently paid off most of the rest of our debt and have a plan to be completely free from debt within the next 12 months. I also have an existing prosper loan that was funded a couple of years ago and have never been late with a payment. Our payment record on everything but the house is also virtually spotless. We made some mistakes when we were younger but have since learned from them and desperately want to start a family.
Monthly net income: $8800.00
Monthly expenses: $5200.00
??Housing: $1700.00
??Insurance: $200.00
??Car expenses: $600.00
??Utilities: $450.00
??Phone, cable, internet: $350.00
??Food, entertainment: $900.00
??Clothing, household expenses $200.00
??Credit cards and other loans: $600.00
??Other expenses: $200.00
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
461143
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:
| $4,120.00 |
Prosper Rating:
| HR |
Auction Duration:
| 7 days
|
|
Term:
| 36 months |
Estimated loss:
| 18.0% | | |
| | | |
|
|
Starting lender yield:
| 18.00% |
Starting borrower rate/APR:
| 19.00% / 21.22% |
Starting monthly payment:
| $151.02 |
| |
|
Auction yield range:
| 16.99% - 18.00% |
Estimated loss impact:
| 19.00% | | |
|
Lender servicing fee:
| 1.00% |
Estimated return:
| -1.00% | | |
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
|
Prosper scores:
| |
First credit line:
| Dec-2006 |
Debt/Income ratio:
| 15% |
|
Basic (1-10):
| 5 |
Inquiries last 6m:
| 2 | Employment status: | Full-time employee |
| Enhanced (1-5): | 3 |
Current / open credit lines:
| 5
/
4 | Length of status: | 3y 1m |
|
Credit score:
| 640-659 (Jun-2010) |
Total credit lines:
| 6 |
Occupation: | Police Officer/Corr... |
|
Now delinquent:
| 0 |
Revolving credit balance:
| $4,743 | Stated income: | $25,000-$49,999 |
|
Amount delinquent:
| $0 |
Bankcard utilization:
| 92% | | |
|
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| No | | |
|
Delinquencies in last 7y:
| 0 | | | | |
|
Screen name:
| integrity-arboretum7 |
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
paying off my credit cards
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
461145
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:
| 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:
| $90.47 |
| |
|
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-1984 |
Debt/Income ratio:
| 15% |
|
Basic (1-10):
| 5 |
Inquiries last 6m:
| 2 | Employment status: | Full-time employee |
| Enhanced (1-5): | 3 |
Current / open credit lines:
| 9
/
6 | Length of status: | 4y 11m |
|
Credit score:
| 620-639 (May-2010) |
Total credit lines:
| 28 |
Occupation: | Other |
|
Now delinquent:
| 2 |
Revolving credit balance:
| $2,399 | Stated income: | $50,000-$74,999 |
|
Amount delinquent:
| $408 |
Bankcard utilization:
| 41% | | |
|
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| Yes | | |
|
Delinquencies in last 7y:
| 15 | | | | |
|
Screen name:
| needmoney678 |
Borrower's state:
| Michigan |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
| Loan history | Payment history | Credit score history |
|
Active / total loans:
| 1 / 1 |
On-time:
| 20 ( 95% )
| 620-639 (Latest)
|
|
Principal borrowed:
| $2,000.00 | < 31 days late:
| 1
( 5% )
| 640-659
(Apr-2010)
540-559
(Jul-2008)
580-599
(Jun-2008)
560-579
(May-2008)
|
|
Principal balance:
| $1,100.94 |
31+ days late:
| 0
( 0% )
|
|
Total payments billed:
| 21 | | |
Description
pay off some bills
Purpose of loan:
(explain what you will be using this loan for) Need alittle help to catch up with bills.
My financial situation: The loan will be used to pay my property tax and house insurance. Am currently trying to get my finances back on track using various means, including credit counseling to help me better understand and manage my finances.? Just need alittle more help.? I do not like my picture taken--avoid cameras like the plague, so none to submit.? Also, its hard to admit that after all these years I still have much to learn about handling my finances, hence I don't feel comfortable asking friends and family for endorsements.??A huge THANK YOU?to all who have bid on my loan previously, I truly appreciate it, please continue to do so.
(explain why you are a good candidate for paying back this loan)
Monthly net income: $ $2600.00
Monthly expenses: $ 1870.00
??Housing: $ 600
??Insurance: $ 100
??Car expenses: $?450
??Utilities: $ 150
??Phone, cable, internet: $ 125
??Food, entertainment: $ 120
??Clothing, household expenses $ 150
??Credit cards and other loans: $ 125
??Other expenses: $50
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
461147
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
|
Amount:
| $15,000.00 |
Prosper Rating:
| HR |
Auction Duration:
| 7 days
|
|
Term:
| 36 months |
Estimated loss:
| 18.0% | | |
| | | |
|
|
Starting lender yield:
| 34.00% |
Starting borrower rate/APR:
| 35.00% / 37.45% |
Starting monthly payment:
| $678.54 |
| |
|
Auction yield range:
| 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-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:
| 4
/
4 | Length of status: | 2y 11m |
|
Credit score:
| 660-679 (May-2010) |
Total credit lines:
| 45 |
Occupation: | Sales - Commission |
|
Now delinquent:
| 0 |
Revolving credit balance:
| $14 | Stated income: | $50,000-$74,999 |
|
Amount delinquent:
| $0 |
Bankcard utilization:
| 1% | | |
|
Public records last 12m / 10y:
| 1/ 1 |
Homeownership:
| No | | |
|
Delinquencies in last 7y:
| 20 | | | | |
|
Screen name:
| economy-promise5 |
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
Funds to start Insurance Brokerage
Purpose of loan:
This loan will be used to fund the startup of Insurance Brokerage
My financial situation:
I am a good candidate for this loan because I have had perfect credit my entire life, until a recent divorce forced Bankruptcy and dissolution of business. I have ran a successful Real Estate Investing LLC business, on the side, for several years. I have already received my Insurance Licenses. I have a Mentor and Training Support in place. I have an Advertising Plan ready to go. I also have potential agenst lined up to work for me. I am currently in Sales and have a proven track record of success in Sales for the past 20 years. I have averaged $110-150K income?for the past 10 years, not including my LLC income. I plan on being back to at least this income range within 12 months.
Thank You.
Monthly net income: $5500+
Monthly expenses:?
??Housing: $ 500
??Insurance: $?350 (Medical,Dental, Life, and Auto)
??Car expenses: $ 501
??Utilities: $ 150
??Phone, cable, internet: $?100
??Food, entertainment: $ 100
??Clothing, household expenses $?100
??Credit cards and other loans: $?150
??Other expenses: $ 492 (child support)
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
461157
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:
| $4,200.00 |
Prosper Rating:
| C |
Auction Duration:
| 7 days
|
|
Term:
| 36 months |
Estimated loss:
| 6.5% | | |
| | | |
|
|
Starting lender yield:
| 18.00% |
Starting borrower rate/APR:
| 19.00% / 21.22% |
Starting monthly payment:
| $153.96 |
| |
|
Auction yield range:
| 7.99% - 18.00% |
Estimated loss impact:
| 6.92% | | |
|
Lender servicing fee:
| 1.00% |
Estimated return:
| 11.08% | | |
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-1998 |
Debt/Income ratio:
| 15% |
|
Basic (1-10):
| 9 |
Inquiries last 6m:
| 1 | Employment status: | Full-time employee |
| Enhanced (1-5): | 5 |
Current / open credit lines:
| 9
/
8 | Length of status: | 10y 9m |
|
Credit score:
| 660-679 (May-2010) |
Total credit lines:
| 21 |
Occupation: | Tradesman - Electri... |
|
Now delinquent:
| 0 |
Revolving credit balance:
| $28,205 | Stated income: | $75,000-$99,999 |
|
Amount delinquent:
| $0 |
Bankcard utilization:
| 78% | | |
|
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| Yes | | |
|
Delinquencies in last 7y:
| 0 | | | | |
|
Screen name:
| top-elevated-asset |
Borrower's state:
| Indiana |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
| Loan history | Payment history | Credit score history |
|
Active / total loans:
| 1 / 1 |
On-time:
| 9 ( 100% )
| 660-679 (Latest)
|
|
Principal borrowed:
| $3,800.00 | < 31 days late:
| 0
( 0% )
| 640-659
(Jul-2009)
|
|
Principal balance:
| $2,953.22 |
31+ days late:
| 0
( 0% )
|
|
Total payments billed:
| 9 | | |
Description
Second Prosper Loan
Purpose of loan: This loan will be used to consolidate higher interest debt.? I decided last year that I absolutely must pay off my debt.? I used Prosper to help consolidate a higher interest loan and assist in schooling costs.? I was very happy with the whole process.? I would like to eliminate a credit card with?interest of 27.99%.?
My financial situation: I am a good candidate for this loan because not only have I always paid my first Prosper loan on time, but all of my bills get paid on time.? I have not been late on a bill in several years and have never missed a payment.? Also, since this time last year I have paid off nearly $12,000 in debt.??My income is good and steady.? I understand that as a lender you want to loan to the least risky borrowers.? I respect this and want to assure you that I am totally committed to becoming debt-free in less than 3 years and would appreciate your bid to help me acheive that goal.? Thank you for your interest.
Monthly net income:????????? $4930
Monthly expenses:???????????? $3310??
Housing:??????????????????????????????? $530??
Insurance:?????????????????????????????? $90??
Car expenses:?????????????????????? $200??
Utilities:??????????????????????????????? $200??
Phone, cable, internet:???????????$150??
Food, entertainment:??????????????$500??
Clothing, household expenses $200??
Credit cards and other loans: $1100??
Other expenses:??????????????????? $340
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
461163
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
|
Amount:
| $3,000.00 |
Prosper Rating:
| HR |
Auction Duration:
| 7 days
|
|
Term:
| 36 months |
Estimated loss:
| 25.0% | | |
| | | |
|
|
Starting lender yield:
| 34.00% |
Starting borrower rate/APR:
| 35.00% / 37.45% |
Starting monthly payment:
| $135.71 |
| |
|
Auction yield range:
| 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:
| Jan-2007 |
Debt/Income ratio:
| 44% |
|
Basic (1-10):
| 3 |
Inquiries last 6m:
| 2 | Employment status: | Full-time employee |
| Enhanced (1-5): | 2 |
Current / open credit lines:
| 10
/
10 | Length of status: | 3y 8m |
|
Credit score:
| 620-639 (May-2010) |
Total credit lines:
| 10 |
Occupation: | Other |
|
Now delinquent:
| 0 |
Revolving credit balance:
| $5,793 | Stated income: | $1-$24,999 |
|
Amount delinquent:
| $0 |
Bankcard utilization:
| 101% | | |
|
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| No | | |
|
Delinquencies in last 7y:
| 0 | | | | |
|
Screen name:
| mD2be |
Borrower's state:
| California |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
| Loan history | Payment history | Credit score history |
|
Active / total loans:
| 1 / 1 |
On-time:
| 27 ( 100% )
| 620-639 (Latest)
|
|
Principal borrowed:
| $2,551.00 | < 31 days late:
| 0
( 0% )
| 680-699
(Jul-2009)
600-619
(Jan-2008)
|
|
Principal balance:
| $758.50 |
31+ days late:
| 0
( 0% )
|
|
Total payments billed:
| 27 | | |
Description
My Personal Loan
I currently have a prosper loan that I have never been late with the payments on. This loan was used for me to able to take all of the United States Medical Licensure Examinations. Thankfully, that is over and done with, and with success! At the same time, I have stayed at my current job, and have been able to make payments on time. But now comes the hard part. I have to start applying for residency training this September, and that entails flying around the country, trying to find a hospital that will both need me, and at the same time, fulfill my career aspirations. That is where this loan comes in. The money for this loan would be used to pay off my current loan (which has about $760 left), and pay for the application to multiple hospitals, along with flight travel and hotel stays. The average applicant usually has to fly to about 10 different hospitals around the country. About my credit rating being HR, I believe this is because I had to use some of my credit cards to pay for books, classes to help me pass my exams, US Clinical Experience, and other et cetera expenses that trying to get licensed entails. My credit score has gone up since the last time I applied for a loan. I understand that seeing "HR" will turn a lot of people off, but I hope that you will see my unique situation, and see past the "HR".
My financial situation:
I am a good candidate for this loan because I continue to pay my bills on time, I have never been delinquent, and my current Prosper loan is in good standing. Because I was able to pay off that high-limit credit card, it gives me room to make bigger payments on this potential Prosper loan, and get it payed off quicker. I also receive extra money, which is not reflected in my yearly salary, because of the truly wonderful people around me who are willing to help me achieve my dream (i.e., significant other). This extra money is helpful for paying for unexpected expenses.
Monthly expenses: $ 975
Housing: $ 125 (I rent a space with my relatives, that's why it's so cheap)
Insurance: $ 50
Car expenses: $ 0 (I drive a paid-off car)
Utilities: $ 0 (it's included in my rent -- good deal!)
Phone, cable, internet: $ 150
Food, entertainment: $ 100
Clothing, household expenses $ 100
Credit cards and other loans: $ 400
Other expenses: $ 50
Please help me finally fulfill my dream of becoming a doctor. Also, feel free to ask questions; I will be more than happy to answer!
All of your help is GREATLY APPRECIATED! I will NOT let you down!
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
461175
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:
| 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:
| 35.44% | | |
|
Lender servicing fee:
| 1.00% |
Estimated return:
| -18.44% | | |
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
|
Prosper scores:
| |
First credit line:
| Aug-1992 |
Debt/Income ratio:
| Self-employed (DTI Not Calculated) |
|
Basic (1-10):
| 1 |
Inquiries last 6m:
| 0 | Employment status: | Self-employed |
| Enhanced (1-5): | 4 |
Current / open credit lines:
| 13
/
13 | Length of status: | 11y 2m |
|
Credit score:
| 640-659 (Jun-2010) |
Total credit lines:
| 28 |
Occupation: | Clerical |
|
Now delinquent:
| 0 |
Revolving credit balance:
| $9,618 | Stated income: | $50,000-$74,999 |
|
Amount delinquent:
| $0 |
Bankcard utilization:
| 96% | | |
|
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| No | | |
|
Delinquencies in last 7y:
| 0 | | | | |
|
Screen name:
| gain-pursuit1 |
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
Paying off credit cards
Purpose of loan:
This loan will be used to pay off my credit cards and medical bills.? I would feel better making one payment and knocking down my debt.
My financial situation:
I am a good candidate for this loan because I have a great history of paying my bills on time.? I?haven't made any late payments?for seven years.?
Monthly net income: $ 5000
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
461181
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:
| AA |
Auction Duration:
| 7 days
|
|
Term:
| 36 months |
Estimated loss:
| 0.6% | | |
| | | |
|
|
Starting lender yield:
| 9.00% |
Starting borrower rate/APR:
| 10.00% / 10.34% |
Starting monthly payment:
| $96.80 |
| |
|
Auction yield range:
| 2.99% - 9.00% |
Estimated loss impact:
| 0.61% | | |
|
Lender servicing fee:
| 1.00% |
Estimated return:
| 8.39% | | |
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
|
Prosper scores:
| |
First credit line:
| Jul-2000 |
Debt/Income ratio:
| 22% |
|
Basic (1-10):
| 10 |
Inquiries last 6m:
| 0 | Employment status: | Full-time employee |
| Enhanced (1-5): | 4 |
Current / open credit lines:
| 12
/
11 | Length of status: | 2y 8m |
|
Credit score:
| 760-779 (May-2010) |
Total credit lines:
| 24 |
Occupation: | Engineer - Mechanic... |
|
Now delinquent:
| 0 |
Revolving credit balance:
| $39,135 | Stated income: | $75,000-$99,999 |
|
Amount delinquent:
| $0 |
Bankcard utilization:
| 59% | | |
|
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| Yes | | |
|
Delinquencies in last 7y:
| 0 | | | | |
|
Screen name:
| red-silver-healer |
Borrower's state:
| Washington |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Description
Paying off High Rate Credit Card
This loan will allow me to payoff my high rate credit card (28%). I currently pay $400/month towards this card in hopes to pay it off quick. I have every intention to pay more than the minimum due to eliminate this loan.
I had originally requested a higher amount to pay off two credit cards, but the funding was short. I'm hoping this smaller loan will have better success. Thank you to everyone who bid on my previous loan request. Hopefully you will feel comfortable bidding again.
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
461187
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:
| $3,800.00 |
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:
| $121.19 |
| |
|
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:
| Aug-2000 |
Debt/Income ratio:
| 25% |
|
Basic (1-10):
| 9 |
Inquiries last 6m:
| 0 | Employment status: | Full-time employee |
| Enhanced (1-5): | 5 |
Current / open credit lines:
| 8
/
8 | Length of status: | 2y 5m |
|
Credit score:
| 700-719 (May-2010) |
Total credit lines:
| 12 |
Occupation: | Engineer - Mechanic... |
|
Now delinquent:
| 0 |
Revolving credit balance:
| $6,989 | Stated income: | $25,000-$49,999 |
|
Amount delinquent:
| $0 |
Bankcard utilization:
| 71% | | |
|
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| Yes | | |
|
Delinquencies in last 7y:
| 0 | | | | |
|
Screen name:
| capital-guitar3 |
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
Paying off credit cards
Purpose of loan:
This loan will be used to?
Pay off higher interest rate credit cards.
My financial situation:
I am a good candidate for this loan because??
I have a steady job with very little worry of losing it.? I have been paying down my debt over the?past two years, but would like to consolidate my credit cards and pay a lower interest rate.? I have purchased a new house and car in the past year and a half and have still managed to reduce my debt, just not as quickly as I'd like.
Monthly net income: $ 2000
Monthly expenses: $ 1580
??Housing: $?500
??Insurance: $ 100
??Car expenses: $?450
??Utilities: $?100
??Phone, cable, internet: $?30
??Food, entertainment: $ 200
??Clothing, household expenses $?50
??Credit cards and other loans: $?100
??Other expenses: $ 50
Thanks for your bids!
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
461199
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:
| 25.0% | | |
| | | |
|
|
Starting lender yield:
| 34.00% |
Starting borrower rate/APR:
| 35.00% / 37.45% |
Starting monthly payment:
| $113.09 |
| |
|
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:
| Aug-2003 |
Debt/Income ratio:
| 9% |
|
Basic (1-10):
| 3 |
Inquiries last 6m:
| 0 | Employment status: | Full-time employee |
| Enhanced (1-5): | 2 |
Current / open credit lines:
| 1
/
1 | Length of status: | 1y 9m |
|
Credit score:
| 660-679 (Jun-2010) |
Total credit lines:
| 3 |
Occupation: | Computer Programmer |
|
Now delinquent:
| 1 |
Revolving credit balance:
| $0 | Stated income: | $25,000-$49,999 |
|
Amount delinquent:
| $194 |
Bankcard utilization:
| 0% | | |
|
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| No | | |
|
Delinquencies in last 7y:
| 0 | | | | |
|
Screen name:
| restless-responsibility963 |
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
money to cover cost of moving
Purpose of loan:
This loan will be used to?I am moving in with my boyfriend who is a disabled vet and am no longer going to have rent cost.
Also we are moving to new york where both of our incomes will be higher plus he receives diability money from the va on top of everything.
My financial situation:
I am a good candidate for this loan because?
I have pretty good credit with no serious outstanding delinquent accounts.?
Monthly net income: $
1800.00
Monthly expenses: $
??Housing: $ 0.00
??Insurance: $
131.00
??Car expenses: $
0.00
??Utilities: $
0.00
??Phone, cable, internet: $
50.00
??Food, entertainment: $
400.00
??Clothing, household expenses $
0.00
??Credit cards and other loans: $
118.00
??Other expenses: $
0.00
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
461205
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:
| $3,900.00 |
Prosper Rating:
| D |
Auction Duration:
| 7 days
|
|
Term:
| 36 months |
Estimated loss:
| 10.0% | | |
| | | |
|
|
Starting lender yield:
| 24.00% |
Starting borrower rate/APR:
| 25.00% / 27.31% |
Starting monthly payment:
| $155.06 |
| |
|
Auction yield range:
| 10.99% - 24.00% |
Estimated loss impact:
| 10.59% | | |
|
Lender servicing fee:
| 1.00% |
Estimated return:
| 13.41% | | |
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
|
Prosper scores:
| |
First credit line:
| Sep-1984 |
Debt/Income ratio:
| 13% |
|
Basic (1-10):
| 7 |
Inquiries last 6m:
| 0 | Employment status: | Full-time employee |
| Enhanced (1-5): | 3 |
Current / open credit lines:
| 3
/
3 | Length of status: | 20y 8m |
|
Credit score:
| 640-659 (Jun-2010) |
Total credit lines:
| 25 |
Occupation: | Other |
|
Now delinquent:
| 4 |
Revolving credit balance:
| $1,747 | Stated income: | $75,000-$99,999 |
|
Amount delinquent:
| $0 |
Bankcard utilization:
| 104% | | |
|
Public records last 12m / 10y:
| 0/ 1 |
Homeownership:
| No | | |
|
Delinquencies in last 7y:
| 2 | | | | |
|
Screen name:
| 12workhard |
Borrower's state:
| Washington |
Borrower's group:
| Brighter Financial Future |
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:
| 52 ( 100% )
| 640-659 (Latest)
|
|
Principal borrowed:
| $9,350.00 | < 31 days late:
| 0
( 0% )
| 640-659
(Sep-2008)
600-619
(Sep-2007)
600-619
(Jun-2007)
|
|
Principal balance:
| $1,374.25 |
31+ days late:
| 0
( 0% )
|
|
Total payments billed:
| 52 | | |
Description
Dental Work & Credit Card
First I want to thank everyone for looking at my loan request, and also know I have never missed a payment with any Prosper loan I have had.? I have never been late either.? (check history).? I have AA payment history with a C credit rating.? I don't know why my Prosper rating went down when the payment history is perfect?? It's gone up about 40 points.
Purpose of loan:
This loan will be used to? I would like to use this loan to pay for some dental work, I need two dental implants and my insurance doesn't cover enough of it.? My dentist does not take payments so I need to pay him off in full.? I started the process before I knew he didn't take payments.? I would like to pay off my credit cards about $1500 and use the rest for the dentist.? Again I appreciate your assistance and I won't let you?down.? I haven't before and I won't start now.??Please trust in me, like the others before and I will pay this back and most likely?sooner then later.
My financial situation:
I am a good candidate for this loan because? I am a good candidate because I will never miss a payment.? Everyone who bids on me will get there money back and make good interest rate.? My debt to imcome ratio is very good.? I have paid off two Prosper loans early.
Monthly net income: $ 4600
Monthly expenses: $ 1730
??Housing: $ 500 (share a condo with a friend)
??Insurance: $ 150
??Car expenses: $ 560
??Utilities: $ 100
??Phone, cable, internet: $ 50
??Food, entertainment: $ 150
??Clothing, household expenses $?80
??Credit cards and other loans: $ 150
??Other expenses: $
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
461211
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:
| E |
Auction Duration:
| 7 days
|
|
Term:
| 36 months |
Estimated loss:
| 14.0% | | |
| | | |
|
|
Starting lender yield:
| 19.00% |
Starting borrower rate/APR:
| 20.00% / 22.24% |
Starting monthly payment:
| $222.98 |
| |
|
Auction yield range:
| 13.99% - 19.00% |
Estimated loss impact:
| 14.84% | | |
|
Lender servicing fee:
| 1.00% |
Estimated return:
| 4.16% | | |
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
|
Prosper scores:
| |
First credit line:
| Feb-1996 |
Debt/Income ratio:
| 47% |
|
Basic (1-10):
| 6 |
Inquiries last 6m:
| 4 | Employment status: | Full-time employee |
| Enhanced (1-5): | 1 |
Current / open credit lines:
| 14
/
11 | Length of status: | 6y 1m |
|
Credit score:
| 640-659 (Jun-2010) |
Total credit lines:
| 23 |
Occupation: | Professional |
|
Now delinquent:
| 0 |
Revolving credit balance:
| $28,840 | Stated income: | $100,000+ |
|
Amount delinquent:
| $0 |
Bankcard utilization:
| 76% | | |
|
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| Yes | | |
|
Delinquencies in last 7y:
| 1 | | | | |
|
Screen name:
| felicity-builder |
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
Paying off my medical bills
Purpose of loan:
This loan will be used to pay for medical bills.
My financial situation:
My credit score is not indicative of my ability to pay this loan. I am finalizing a divorce now, and need to make things right with some previous healthcare expenses. I am a good candidate for this because I make a solid income ($142,000 annually) and I believe in making things right.
Monthly net income: $7,900
Monthly expenses:
??Housing: $1800
??Insurance: $50
??Car expenses: $400
??Utilities: $300
??Phone, cable, internet: $150
??Food, entertainment: $700
??Clothing, household expenses $500
??Credit cards and other loans: $800
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
461229
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:
| $6,700.00 |
Prosper Rating:
| E |
Auction Duration:
| 7 days
|
|
Term:
| 36 months |
Estimated loss:
| 14.0% | | |
| | | |
|
|
Starting lender yield:
| 19.00% |
Starting borrower rate/APR:
| 20.00% / 22.24% |
Starting monthly payment:
| $249.00 |
| |
|
Auction yield range:
| 13.99% - 19.00% |
Estimated loss impact:
| 14.84% | | |
|
Lender servicing fee:
| 1.00% |
Estimated return:
| 4.16% | | |
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-1999 |
Debt/Income ratio:
| 22% |
|
Basic (1-10):
| 6 |
Inquiries last 6m:
| 0 | Employment status: | Full-time employee |
| Enhanced (1-5): | 4 |
Current / open credit lines:
| 5
/
5 | Length of status: | 3y 8m |
|
Credit score:
| 660-679 (May-2010) |
Total credit lines:
| 25 |
Occupation: | Professional |
|
Now delinquent:
| 0 |
Revolving credit balance:
| $6,449 | Stated income: | $50,000-$74,999 |
|
Amount delinquent:
| $0 |
Bankcard utilization:
| 92% | | |
|
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| No | | |
|
Delinquencies in last 7y:
| 0 | | | | |
|
Screen name:
| focused-fund9 |
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
Marry the love of my life...
Purpose of loan:
Get married to the love of my life before she is 30.? She wants to start a family, and who am I to make her?wait until I can save enough to do so.
My financial situation:
I have a solid income, and have not had any delinquent credit or late payments since my college years.? I am responsible, hard working, and I?am terrified?of delinquent credit.? I think that last attribute is my best selling point.? I will be moving in with a roommate later this year and selling my car.? All in the name of love, and saving money!? I would really appreciate the help.
Monthly net income: $ $3059
Monthly expenses: $
??Housing: $ 750
??Insurance: $ 170
??Car expenses: $ 351
??Utilities: $ 60
??Phone, cable, internet: $ 100
??Food, entertainment: $ 200
??Clothing, household expenses $0
??Credit cards and other loans: $ 200
??Other expenses: $ 75
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
461235
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:
| B |
Auction Duration:
| 7 days
|
|
Term:
| 36 months |
Estimated loss:
| 5.0% | | |
| | | |
|
|
Starting lender yield:
| 12.85% |
Starting borrower rate/APR:
| 13.85% / 16.25% |
Starting monthly payment:
| $51.16 |
| |
|
Auction yield range:
| 5.99% - 12.85% |
Estimated loss impact:
| 5.21% | | |
|
Lender servicing fee:
| 1.00% |
Estimated return:
| 7.64% | | |
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-2002 |
Debt/Income ratio:
| 10% |
|
Basic (1-10):
| 8 |
Inquiries last 6m:
| 1 | Employment status: | Full-time employee |
| Enhanced (1-5): | 5 |
Current / open credit lines:
| 5
/
5 | Length of status: | 8y 0m |
|
Credit score:
| 740-759 (Jun-2010) |
Total credit lines:
| 18 |
Occupation: | Military Enlisted |
|
Now delinquent:
| 0 |
Revolving credit balance:
| $10,201 | Stated income: | $50,000-$74,999 |
|
Amount delinquent:
| $0 |
Bankcard utilization:
| 97% | | |
|
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| Yes | | |
|
Delinquencies in last 7y:
| 0 | | | | |
|
Screen name:
| a-peso-bison |
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 for bills
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
461241
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
|
Amount:
| $1,000.00 |
Prosper Rating:
| AA |
Auction Duration:
| 7 days
|
|
Term:
| 36 months |
Estimated loss:
| 0.6% | | |
| | | |
|
|
Starting lender yield:
| 6.10% |
Starting borrower rate/APR:
| 7.10% / 7.44% |
Starting monthly payment:
| $30.92 |
| |
|
Auction yield range:
| 2.99% - 6.10% |
Estimated loss impact:
| 0.60% | | |
|
Lender servicing fee:
| 1.00% |
Estimated return:
| 5.50% | | |
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:
| Oct-2000 |
Debt/Income ratio:
| 12% |
|
Basic (1-10):
| 10 |
Inquiries last 6m:
| 2 | Employment status: | Full-time employee |
| Enhanced (1-5): | 4 |
Current / open credit lines:
| 3
/
3 | Length of status: | 5y 6m |
|
Credit score:
| 780-799 (Jun-2010) |
Total credit lines:
| 7 |
Occupation: | Other |
|
Now delinquent:
| 0 |
Revolving credit balance:
| $819 | 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:
| enchanted-camaraderi |
Borrower's state:
| Wisconsin |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Description
need money for rent PLEASE
Purpose of loan:
This loan will be used to pay past due rent
My financial situation:
I am a good candidate for this loan because I have two children and I am in need of this loan I cannot be evicted I have no where to go
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
461253
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:
| $20,000.00 |
Prosper Rating:
| C |
Auction Duration:
| 7 days
|
|
Term:
| 36 months |
Estimated loss:
| 6.2% | | |
| | | |
|
|
Starting lender yield:
| 8.00% |
Starting borrower rate/APR:
| 9.00% / 11.09% |
Starting monthly payment:
| $635.99 |
| |
|
Auction yield range:
| 7.99% - 8.00% |
Estimated loss impact:
| 6.36% | | |
|
Lender servicing fee:
| 1.00% |
Estimated return:
| 1.64% | | |
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-2004 |
Debt/Income ratio:
| Self-employed (DTI Not Calculated) |
|
Basic (1-10):
| 4 |
Inquiries last 6m:
| 1 | Employment status: | Self-employed |
| Enhanced (1-5): | 4 |
Current / open credit lines:
| 13
/
13 | Length of status: | 3y 5m |
|
Credit score:
| 800-819 (Jun-2010) |
Total credit lines:
| 20 |
Occupation: | Other |
|
Now delinquent:
| 0 |
Revolving credit balance:
| $2,228 | Stated income: | $50,000-$74,999 |
|
Amount delinquent:
| $0 |
Bankcard utilization:
| 7% | | |
|
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| Yes | | |
|
Delinquencies in last 7y:
| 0 | | | | |
|
Screen name:
| mwoodward |
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
Business Inventory Loan needed
Purpose of loan:
This loan will be used to expand inventory to offer a larger selection of items.?
My financial situation:
I am a good candidate for this loan because as you can see, my credit score is 800+ which shows that I am responsible in paying back debts.? I recently purchased a home 6 months ago and am 23 years old.? You can check out our website at www.yourdealsource.com or you can find us on Amazon.com as well.?
I'm not sure why I'm listed as a "C" but my credit history should speak for itself.? Please feel free to ask me any questions you may have.? Thanks for taking the time to check out my listing and for your consideration.
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
461265
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:
| B |
Auction Duration:
| 7 days
|
|
Term:
| 36 months |
Estimated loss:
| 5.0% | | |
| | | |
|
|
Starting lender yield:
| 12.99% |
Starting borrower rate/APR:
| 13.99% / 16.15% |
Starting monthly payment:
| $68.35 |
| |
|
Auction yield range:
| 5.99% - 12.99% |
Estimated loss impact:
| 5.22% | | |
|
Lender servicing fee:
| 1.00% |
Estimated return:
| 7.77% | | |
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:
| Apr-1989 |
Debt/Income ratio:
| 29% |
|
Basic (1-10):
| 8 |
Inquiries last 6m:
| 4 | Employment status: | Full-time employee |
| Enhanced (1-5): | 3 |
Current / open credit lines:
| 16
/
13 | Length of status: | 5y 11m |
|
Credit score:
| 740-759 (Jun-2010) |
Total credit lines:
| 39 |
Occupation: | Administrative Assi... |
|
Now delinquent:
| 0 |
Revolving credit balance:
| $8,015 | Stated income: | $50,000-$74,999 |
|
Amount delinquent:
| $0 |
Bankcard utilization:
| 65% | | |
|
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| Yes | | |
|
Delinquencies in last 7y:
| 0 | | | | |
|
Screen name:
| auction-wasp0 |
Borrower's state:
| California |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Description
Pay off a loan with high interest
Purpose of loan:
This loan will be used to?pay off a high interest loan of $2000.?
My financial situation:
I am a good candidate for this loan because? I pay all my bills?ON TIME?and?NEVER late.? I am trying?Prosper for only one debt?I have and if it works out then?I have other debt i would like consolidate through Prosper.? Financial institutions will not grant me a consolidation loan because of my debt to ratio (my name also on home loan?but my husband is the one who pays)
Monthly net income: $ 3000.00
Monthly expenses: $
??Housing: $ husband pays
??Insurance: $ husband pays
??Car expenses: $ 387
??Utilities: $ husband pays
??Phone, cable, internet: $ 100
??Food, entertainment: $
??Clothing, household expenses $
??Credit cards and other loans: $ 1000.00
??Other expenses: $
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
461277
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:
| E |
Auction Duration:
| 7 days
|
|
Term:
| 36 months |
Estimated loss:
| 14.0% | | |
| | | |
|
|
Starting lender yield:
| 33.29% |
Starting borrower rate/APR:
| 34.29% / 37.01% |
Starting monthly payment:
| $67.25 |
| |
|
Auction yield range:
| 13.99% - 33.29% |
Estimated loss impact:
| 15.54% | | |
|
Lender servicing fee:
| 1.00% |
Estimated return:
| 17.75% | | |
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-1976 |
Debt/Income ratio:
| Not calculated |
|
Basic (1-10):
| 6 |
Inquiries last 6m:
| 0 | Employment status: | Not employed |
| Enhanced (1-5): | 4 |
Current / open credit lines:
| 2
/
1 | Length of status: | 0y 2m |
|
Credit score:
| 680-699 (Jun-2010) |
Total credit lines:
| 9 | Stated income: | Not employed |
|
Now delinquent:
| 2 |
Revolving credit balance:
| $0 | |
|
Amount delinquent:
| $44 |
Bankcard utilization:
| 0% | | |
|
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| No | | |
|
Delinquencies in last 7y:
| 4 | | | | |
|
Screen name:
| czareggbert |
Borrower's state:
| Nebraska |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
| Loan history | Payment history | Credit score history |
|
Active / total loans:
| 1 / 1 |
On-time:
| 21 ( 100% )
| 680-699 (Latest)
|
|
Principal borrowed:
| $1,000.00 | < 31 days late:
| 0
( 0% )
| 620-639
(Aug-2008)
580-599
(May-2008)
580-599
(Jan-2008)
|
|
Principal balance:
| $521.89 |
31+ days late:
| 0
( 0% )
|
|
Total payments billed:
| 21 | | |
Description
unexpected moving expences
This loan will be used to pay unexpected moving costs. I have just been told I have to be out of my location two weeks earlier than I was expecting, July 15th. I have a place lined up, and it will be available, but I have run into a snag: I don't start my new job until July 6th, and I don't get paid from my new job until July 25th. This has thrown me through a loop.
My financial situation:
I am a good candidate for this loan because I have paid my current prosper loan on time for the past 21months. I have improved my credit score more than 40 points in the past 2 years. I have no credit cards. And my income with this new job will be moren than $3,000 a month where as my bills will be less than $1300.
Monthly net income(as of July 6th): $ 3,084
Monthly expenses: $ 1296
Housing: $ 670
Insurance: $ 0
Transportation expenses: $54
Utilities: $ 100
Phone, cable, internet: $130
Food, entertainment: $ 100
Clothing, household expenses $100
Credit cards and other loans: $ 42.50
Other expenses: $ 100
Information in the Description is not verified.