Listing Report:Supplement No. 277 dated Jul 01, 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
423522
The following information pertains to the borrower loan being requested, that corresponds to the series 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:
| 25.0% | | |
| | |
|
Starting lender yield:
| 34.00% |
Starting borrower rate/APR:
| 35.00% / 37.45% |
Starting monthly payment:
| $407.12 |
|
Auction yield range:
| 16.98% - 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-1995 |
Debt/Income ratio:
| Self-employed (DTI Not Calculated) |
Basic (1-10):
| 2 |
Inquiries last 6m:
| 0 | Employment status: | Self-employed |
Enhanced (1-5): | 2 |
Current / open credit lines:
| 4
/
3 | Length of status: | 9y 2m |
Credit score:
| 700-719 (Jul-2010) |
Total credit lines:
| 20 |
Occupation: | Other |
Now delinquent:
| 0 |
Revolving credit balance:
| $0 | Stated income: | $100,000+ |
Amount delinquent:
| $0 |
Bankcard utilization:
| 0% | | |
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| Yes | | |
Delinquencies in last 7y:
| 1 | | | | |
Screen name:
| videopromaster |
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:
| 27 ( 82% )
| 700-719 (Latest)
|
Principal borrowed:
| $9,500.00 | < 31 days late:
| 6
( 18% )
| 680-699
(Sep-2007)
|
Principal balance:
| $1,023.16 |
31+ days late:
| 0
( 0% )
|
Total payments billed:
| 33 | | |
Description
Growing Business Need Capital
Purpose of loan:
This loan will be used to purchase 2 Sony HD cameras for my business.? These cameras are vital for my business to remain competitive.
My financial situation:
I am the owner of Lockwood Media Group, formerly Lockwood Video Productions.? We have been in business since 1995, and we have experienced large growth over the past two years videotaping cheer & dance competitions.? We have a current loan with Prosper that will be paid off in September.? Our business has grossed over $125,000 for the past five years. This loan will actually save my business money. We have many shoots lined up this year that require HD cameras. We have needed HD cameras five times in the past two months, and have been forced to rent them each time. The rental cost for the past two months has been over $1,000. Owning these cameras will also save us money about $100 a month on videotape cost, which will no longer be needed since these cameras are tapeless.
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
454916
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount:
| $4,500.00 |
Prosper Rating:
| HR |
Auction Duration:
| 7 days
|
Term:
| 36 months |
Estimated loss:
| 19.0% | | |
| | |
|
Starting lender yield:
| 34.00% |
Starting borrower rate/APR:
| 35.00% / 37.45% |
Starting monthly payment:
| $203.56 |
|
Auction yield range:
| 16.98% - 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:
| Apr-1998 |
Debt/Income ratio:
| 47% |
Basic (1-10):
| 5 |
Inquiries last 6m:
| 0 | Employment status: | Full-time employee |
Enhanced (1-5): | 2 |
Current / open credit lines:
| 7
/
7 | Length of status: | 10y 11m |
Credit score:
| 620-639 (Jul-2010) |
Total credit lines:
| 29 |
Occupation: | Teacher |
Now delinquent:
| 0 |
Revolving credit balance:
| $2,543 | Stated income: | $50,000-$74,999 |
Amount delinquent:
| $0 |
Bankcard utilization:
| 101% | | |
Public records last 12m / 10y:
| 0/ 1 |
Homeownership:
| No | | |
Delinquencies in last 7y:
| 0 | | | | |
Screen name:
| Yevette |
Borrower's state:
| Georgia |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan history | Payment history | Credit score history |
Active / total loans:
| 1 / 1 |
On-time:
| 24 ( 100% )
| 620-639 (Latest)
|
Principal borrowed:
| $1,000.00 | < 31 days late:
| 0
( 0% )
| 600-619
(Jun-2008)
|
Principal balance:
| $388.19 |
31+ days late:
| 0
( 0% )
|
Total payments billed:
| 24 | | |
Description
My loan for an auto purchase
Purpose of loan:
This loan will be used to buy a used car. My car was totaled and I need transportation. Currently, I am using a rental car. I have to have a way to get to work. The totaled car is in the process of being paid off completely by the insurance company.
My financial situation:
I am a good candidate for this loan because? because I have a good history of paying my bills on time. I am in good standing with Prosper
Monthly net income: $ 54000
Monthly expenses: $
??Housing: $?500
??Insurance: $ 154
??Car expenses: $ 563
??Utilities: $ 600
??Phone, cable, internet: $100
??Food, entertainment: $ 400
??Clothing, household expenses $ 200
??Credit cards and other loans: $?600
??Other expenses: $ 300
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
457118
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount:
| $8,000.00 |
Prosper Rating:
| HR |
Auction Duration:
| 7 days
|
Term:
| 36 months |
Estimated loss:
| 18.0% | | |
| | |
|
Starting lender yield:
| 19.00% |
Starting borrower rate/APR:
| 20.00% / 22.24% |
Starting monthly payment:
| $297.31 |
|
Auction yield range:
| 16.98% - 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:
| Nov-1993 |
Debt/Income ratio:
| 8% |
Basic (1-10):
| 4 |
Inquiries last 6m:
| 1 | Employment status: | Full-time employee |
Enhanced (1-5): | 5 |
Current / open credit lines:
| 3
/
3 | Length of status: | 13y 6m |
Credit score:
| 680-699 (Jul-2010) |
Total credit lines:
| 27 |
Occupation: | Other |
Now delinquent:
| 1 |
Revolving credit balance:
| $4,292 | Stated income: | $75,000-$99,999 |
Amount delinquent:
| $95 |
Bankcard utilization:
| 85% | | |
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| Yes | | |
Delinquencies in last 7y:
| 25 | | | | |
Screen name:
| JB2006 |
Borrower's state:
| Illinois |
Borrower's group:
| UtopiaLoans.com - Now Over $1 Million in Closed Loans!! |
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan history | Payment history | Credit score history |
Active / total loans:
| 0 / 2 |
On-time:
| 11 ( 100% )
| 680-699 (Latest)
|
Principal borrowed:
| $5,361.00 | < 31 days late:
| 0
( 0% )
| 660-679
(May-2010)
780-799
(Jul-2009)
680-699
(Oct-2008)
660-679
(Dec-2007)
|
Principal balance:
| $0.02 |
31+ days late:
| 0
( 0% )
|
Total payments billed:
| 11 | | |
Description
My loan for home improvement
Purpose of loan:
This loan will be used to rehad a foreclosed property that i recently purchased for cash.? We have about? $3000 saved up and need some extra cash on hand to complete the following repairs
High efficiency furnace - $4500
Rehad kitchen X 2?- $2500
Rehad? bathroom X 2-? $2500
Landscaping-? $500? ( includes trimming large tree that is over roof)?
My financial situation:
I have had two loans with prosper that I have paid back in full without missing any payments.? I have a steady job, my wife works and I have income from my other investment property that supplements income.?
Monthly net income: $ 5260
Monthly expenses: $
??Housing: $?2500
??Insurance: $ 150
??Car expenses: $0? ( cars paid in full) ?
??Utilities: $ 250
??Phone, cable, internet: $ 100
??Food, entertainment: $ 350
??Clothing, household expenses $ 250
??Credit cards and other loans: $ 175
??Other expenses: $ 0
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
463610
The following information pertains to the borrower loan being requested, that corresponds to the series 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:
| 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:
| $170.52 |
|
Auction yield range:
| 5.98% - 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:
| Apr-1994 |
Debt/Income ratio:
| 30% |
Basic (1-10):
| 8 |
Inquiries last 6m:
| 0 | Employment status: | Full-time employee |
Enhanced (1-5): | 5 |
Current / open credit lines:
| 5
/
4 | Length of status: | 7y 6m |
Credit score:
| 740-759 (Jun-2010) |
Total credit lines:
| 19 |
Occupation: | Clerical |
Now delinquent:
| 0 |
Revolving credit balance:
| $3,573 | Stated income: | $25,000-$49,999 |
Amount delinquent:
| $0 |
Bankcard utilization:
| 35% | | |
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| No | | |
Delinquencies in last 7y:
| 0 | | | | |
Screen name:
| credit-prominence4 |
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
Getting auto expense in line
Purpose of loan:
This loan will be used to?buy a car for around $2000.00 and pay down the one I have now by $3000.00.? This will help ensure that I can sell the car I am now paying $328.00 per month on and cut my payments in 1/2 for less time.?
My financial situation:
I am a good candidate for this loan because?I and my spouse have both been on the same job for 7 years; we own our home and pay our bills.? Our other debts are in line with our goals but our vehicle expense is more than we want.
Monthly net income: $ 5000.00
Monthly expenses: $
3500.00
??Housing: $
400.00
??Insurance: $
100.00
??Car expenses: $
668.00
??Utilities: $
300.00
??Phone, cable, internet: $
100.00
??Food, entertainment: $
1000.00
??Clothing, household expenses $
250.00
??Credit cards and other loans: $
550.00
??Other expenses: $
250.00
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
464192
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount:
| $4,500.00 |
Prosper Rating:
| HR |
Auction Duration:
| 7 days
|
Term:
| 36 months |
Estimated loss:
| 25.0% | | |
| | |
|
Starting lender yield:
| 33.00% |
Starting borrower rate/APR:
| 34.00% / 36.44% |
Starting monthly payment:
| $201.02 |
|
Auction yield range:
| 16.98% - 33.00% |
Estimated loss impact:
| 26.95% | | |
Lender servicing fee:
| 1.00% |
Estimated return:
| 6.05% | | |
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:
| 47% |
Basic (1-10):
| 3 |
Inquiries last 6m:
| 1 | Employment status: | Retired |
Enhanced (1-5): | 2 |
Current / open credit lines:
| 14
/
11 | Length of status: | 21y 10m |
Credit score:
| 600-619 (Jun-2010) |
Total credit lines:
| 43 | Stated income: | $25,000-$49,999 |
Now delinquent:
| 0 |
Revolving credit balance:
| $6,044 | |
Amount delinquent:
| $0 |
Bankcard utilization:
| 102% | | |
Public records last 12m / 10y:
| 0/ 0 |
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:
| 33 ( 94% )
| 600-619 (Latest)
|
Principal borrowed:
| $7,800.00 | < 31 days late:
| 2
( 6% )
| 640-659
(May-2010)
600-619
(Jun-2007)
600-619
(May-2007)
600-619
(Mar-2007)
|
Principal balance:
| $306.76 |
31+ days late:
| 0
( 0% )
|
Total payments billed:
| 35 | | |
Description
ReturnBorrower-NoDelqnts-94%Ontime
Purpose of loan:
This loan will be used to? pay off my credit cards and one other high interest loan.? My sister helped me pay off some of the other loans which made it possible for me to reduce the amount needed from Prosper.? My credit score has been reduced due to my efforts to secure funding on my own.? I would rather give my money to Prosper.
My financial situation:
I am a good candidate for this loan because? I have faithfully repayed my first loan.? My final payment is 1 July 2010.? I will continue repaying this loan by automatic withdrawal from my bank account.? The sole purpose of this loan is to get out of debt and increase my credit score.? My debt to income ratio has come down 6% since my last listing.? I am striving very hard to pay off these high interest loans and get back on my feet from my accident last May 2009 when I fell off my roof.
Monthly net income: $4230
Monthly expenses: $ 2851
??Housing: $ 653
??Insurance: $ 286
??Car expenses: $ 307
??Utilities: $?132
??Phone, cable, internet: $ 129
??Food, entertainment: $ 250
??Clothing, household expenses $ 125
??Credit cards and other loans: $?969
??Other expenses: $
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
464242
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount:
| $6,000.00 |
Prosper Rating:
| HR |
Auction Duration:
| 7 days
|
Term:
| 36 months |
Estimated loss:
| 25.0% | | |
| | |
|
Starting lender yield:
| 34.00% |
Starting borrower rate/APR:
| 35.00% / 37.45% |
Starting monthly payment:
| $271.42 |
|
Auction yield range:
| 16.98% - 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-2004 |
Debt/Income ratio:
| 54% |
Basic (1-10):
| 3 |
Inquiries last 6m:
| 0 | Employment status: | Full-time employee |
Enhanced (1-5): | 5 |
Current / open credit lines:
| 8
/
7 | Length of status: | 0y 11m |
Credit score:
| 680-699 (Jun-2010) |
Total credit lines:
| 24 |
Occupation: | Student - Technical... |
Now delinquent:
| 0 |
Revolving credit balance:
| $7,684 | Stated income: | $1-$24,999 |
Amount delinquent:
| $0 |
Bankcard utilization:
| 97% | | |
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| No | | |
Delinquencies in last 7y:
| 0 | | | | |
Screen name:
| deal-medalist |
Borrower's state:
| Kansas |
Borrower's group:
| N/A |
Credit and homeownership information was obtained 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 for School!
Purpose of loan: This loan will be used to: pay for my last two semesters of Paramedic school. I have already completed two undergraduate degrees, which makes me ineligible for financial aid at the community college level for Paramedic school. After a head injury temporarily suspended my matriculation into medical school and forced me out of the military, I had to re-learn how to learn science. Paramedic school is one of those large stepping stones toward medical school for me, and I need help to pay for the last two semesters. The first two I paid with savings I had as well as credit cards I had paid off after my undergraduate education. I hated to do it, but I had no other choice at the time.?
My financial situation: I am a good candidate for this loan because: I take
financial obligation very seriously. I have never been delinquent on any
accounts. I elected to attend Paramedic school full time before graduate school
to provide myself with a stable job option to fund myself through school in the
future, so I will not have to resort to cards/loans to pay expenses.
With clinical rotations for my school starting up, I am moving my full time job
to part time, which limits the amount I can save and use for debt (figured in
below). I will retain my higher-paying part-time job working in mental health
services to supplement. My fianc? and I have figured the cost of this loan into
our budgets, and he is helping to repay it, so we can get it paid back faster than if I made the minimum payment.
Income: $1100
Expenses: $720
Insurance: $113.00
Car expenses: $260.00
Internet: $47.00 (for parents)
Food, entertainment: $50.00 (budgeted)
Clothing, household expenses: $50.00 (budgeted)
Cards/other: $200.00
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
464416
The following information pertains to the borrower loan being requested, that corresponds to the series 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:
| B |
Auction Duration:
| 7 days
|
Term:
| 36 months |
Estimated loss:
| 5.0% | | |
| | |
|
Starting lender yield:
| 9.99% |
Starting borrower rate/APR:
| 10.99% / 13.11% |
Starting monthly payment:
| $297.88 |
|
Auction yield range:
| 5.98% - 9.99% |
Estimated loss impact:
| 5.16% | | |
Lender servicing fee:
| 1.00% |
Estimated return:
| 4.83% | | |
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-1991 |
Debt/Income ratio:
| 86% |
Basic (1-10):
| 8 |
Inquiries last 6m:
| 0 | Employment status: | Retired |
Enhanced (1-5): | 4 |
Current / open credit lines:
| 8
/
7 | Length of status: | 15y 0m |
Credit score:
| 760-779 (Jun-2010) |
Total credit lines:
| 26 | Stated income: | $1-$24,999 |
Now delinquent:
| 0 |
Revolving credit balance:
| $20,052 | |
Amount delinquent:
| $0 |
Bankcard utilization:
| 51% | | |
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| No | | |
Delinquencies in last 7y:
| 0 | | | | |
Screen name:
| cissynell |
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
pay off 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: $
own home
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
464504
The following information pertains to the borrower loan being requested, that corresponds to the series 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:
| 19.00% |
Starting borrower rate/APR:
| 20.00% / 22.24% |
Starting monthly payment:
| $260.15 |
|
Auction yield range:
| 16.98% - 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:
| Mar-2004 |
Debt/Income ratio:
| 18% |
Basic (1-10):
| 5 |
Inquiries last 6m:
| 1 | Employment status: | Full-time employee |
Enhanced (1-5): | 5 |
Current / open credit lines:
| 15
/
13 | Length of status: | 5y 4m |
Credit score:
| 700-719 (Jun-2010) |
Total credit lines:
| 27 |
Occupation: | Sales - Commission |
Now delinquent:
| 0 |
Revolving credit balance:
| $10,970 | Stated income: | $50,000-$74,999 |
Amount delinquent:
| $0 |
Bankcard utilization:
| 27% | | |
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| Yes | | |
Delinquencies in last 7y:
| 0 | | | | |
Screen name:
| Obpd1985 |
Borrower's state:
| Mississippi |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Description
paying off my debt!
Purpose of loan:
This loan will be used to pay off my HVAC unit that comes due in August.
My financial situation:
I am a good candidate for this loan because I have never been late on anything?that?I am aware of, also I know my credit score isn't as high as I need?it to be but I do pay my bills?on time and I?am getting a 2nd job to be able to pay this loan off faster. I am borrowing the rest of the $5,000 from a family member to pay off the rest of my revolving debt and I intend to pay that one off as quickly as possible (considering I try not to borrow money from relatives)?and then this loan I intend on paying off within 2 years. I work at CarMax auto superstores as a president's club sales consultant?so I understand the importance of paying my bills and I have always done so! If you have any questions please do not hesitate to ask.?
Monthly net income: $3500
Monthly expenses: $ 2,634+260=$2,900(if loan funds 100%)
??Housing: $929.15
??Insurance: $128?????
??Car loans: $500
??Utilities: $ 200
??Phone, cable, internet: $80
??Food, entertainment: $ 400
??Clothing, household expenses $ 200????
??Credit cards and other loans: $ I will be paying my credit cards off this month as well????
??Other expenses: $ 200
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
464510
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount:
| $12,000.00 |
Prosper Rating:
| B |
Auction Duration:
| 7 days
|
Term:
| 36 months |
Estimated loss:
| 5.0% | | |
| | |
|
Starting lender yield:
| 13.85% |
Starting borrower rate/APR:
| 14.85% / 17.02% |
Starting monthly payment:
| $415.10 |
|
Auction yield range:
| 5.98% - 13.85% |
Estimated loss impact:
| 5.23% | | |
Lender servicing fee:
| 1.00% |
Estimated return:
| 8.62% | | |
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper scores:
| |
First credit line:
| Mar-2001 |
Debt/Income ratio:
| 28% |
Basic (1-10):
| 8 |
Inquiries last 6m:
| 0 | Employment status: | Full-time employee |
Enhanced (1-5): | 5 |
Current / open credit lines:
| 8
/
7 | Length of status: | 0y 0m |
Credit score:
| 740-759 (Jun-2010) |
Total credit lines:
| 18 |
Occupation: | Other |
Now delinquent:
| 0 |
Revolving credit balance:
| $6,440 | Stated income: | $50,000-$74,999 |
Amount delinquent:
| $0 |
Bankcard utilization:
| 25% | | |
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| Yes | | |
Delinquencies in last 7y:
| 0 | | | | |
Screen name:
| cookienclean |
Borrower's state:
| Washington |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan history | Payment history | Credit score history |
Active / total loans:
| 1 / 1 |
On-time:
| 23 ( 82% )
| 740-759 (Latest)
|
Principal borrowed:
| $10,000.00 | < 31 days late:
| 5
( 18% )
| 740-759
(Jan-2008)
|
Principal balance:
| $2,592.01 |
31+ days late:
| 0
( 0% )
|
Total payments billed:
| 28 | | |
Description
No more revolving debt...
Purpose of loan:
This loan will be used to pay off all of my credit cards as well as my current Prosper loan. My financial situation:
I am a good candidate for this loan because I always have, and always will, done my best to be financially responsible.? I'm far from perfect, but I put a very high priority in paying my debts.? I can meet all my payments, paying off all debt with interest over 15% is a priority.? My long term goal is to be credit card free, and I have lowered my revolving debt.??? Slowly but surely,?I am?moving towards?my goal. Monthly net income: $ 3510 Monthly expenses: $
? Housing: $ 840
? Insurance: $ 120
? Car expenses: $ 335
? Utilities: $ 200
? Phone, cable, internet: $ 262
? Food, entertainment: $ 500
? Clothing, household expenses $ 75
? Credit cards and other loans: $ 735
? Other expenses: $ 100 for kids' 529 plans
Total: $3217
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
464534
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount:
| $9,500.00 |
Prosper Rating:
| HR |
Auction Duration:
| 7 days
|
Term:
| 36 months |
Estimated loss:
| 18.0% | | |
| | |
|
Starting lender yield:
| 27.00% |
Starting borrower rate/APR:
| 28.00% / 30.35% |
Starting monthly payment:
| $392.95 |
|
Auction yield range:
| 16.98% - 27.00% |
Estimated loss impact:
| 19.57% | | |
Lender servicing fee:
| 1.00% |
Estimated return:
| 7.43% | | |
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper scores:
| |
First credit line:
| Sep-1997 |
Debt/Income ratio:
| 16% |
Basic (1-10):
| 4 |
Inquiries last 6m:
| 0 | Employment status: | Full-time employee |
Enhanced (1-5): | 5 |
Current / open credit lines:
| 2
/
2 | Length of status: | 13y 8m |
Credit score:
| 720-739 (Jun-2010) |
Total credit lines:
| 9 |
Occupation: | Food Service |
Now delinquent:
| 0 |
Revolving credit balance:
| $3 | Stated income: | $25,000-$49,999 |
Amount delinquent:
| $0 |
Bankcard utilization:
| 0% | | |
Public records last 12m / 10y:
| 0/ 1 |
Homeownership:
| No | | |
Delinquencies in last 7y:
| 0 | | | | |
Screen name:
| repayment-atizer |
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 medical
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
464556
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount:
| $1,700.00 |
Prosper Rating:
| 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:
| $68.72 |
|
Auction yield range:
| 10.98% - 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-1999 |
Debt/Income ratio:
| 88% |
Basic (1-10):
| 8 |
Inquiries last 6m:
| 0 | Employment status: | Retired |
Enhanced (1-5): | 4 |
Current / open credit lines:
| 8
/
6 | Length of status: | 11y 6m |
Credit score:
| 660-679 (Jun-2010) |
Total credit lines:
| 17 | Stated income: | $1-$24,999 |
Now delinquent:
| 0 |
Revolving credit balance:
| $11,247 | |
Amount delinquent:
| $0 |
Bankcard utilization:
| 92% | | |
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| No | | |
Delinquencies in last 7y:
| 0 | | | | |
Screen name:
| douggy-poo |
Borrower's state:
| NorthCarolina |
Borrower's group:
| 440+ Supporting Lenders. Get FUNDED @ LOWER % than ANY group |
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Description
Real Estate Investing Program
Purpose of loan:
This loan will be used to?
Purchase the Filthy Riches program and use to buy, sell and then sell the note to a note buyer.? I also plan to activate a shelf corporation that I own to use a business vehicle for me to get off SSDI.
My financial situation:
I am a good candidate for this loan because?
I have not missed a payment in 7 years.
Monthly net income: $
876
Monthly expenses: $
715
??Housing: $
200
??Insurance: $
100
??Car expenses: $
250
??Utilities: $
0
??Phone, cable, internet: $
40
??Food, entertainment: $
0
??Clothing, household expenses $
0
??Credit cards and other loans: $
125
??Other expenses: $
0
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
464564
The following information pertains to the borrower loan being requested, that corresponds to the series 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:
| 16.98% |
Starting borrower rate/APR:
| 17.98% / 20.19% |
Starting monthly payment:
| $542.14 |
|
Auction yield range:
| 16.98% - 16.98% |
Estimated loss impact:
| 18.94% | | |
Lender servicing fee:
| 1.00% |
Estimated return:
| -1.96% | | |
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper scores:
| |
First credit line:
| Oct-1995 |
Debt/Income ratio:
| 21% |
Basic (1-10):
| 5 |
Inquiries last 6m:
| 0 | Employment status: | Full-time employee |
Enhanced (1-5): | 5 |
Current / open credit lines:
| 9
/
7 | Length of status: | 0y 3m |
Credit score:
| 700-719 (Jun-2010) |
Total credit lines:
| 36 |
Occupation: | Professional |
Now delinquent:
| 0 |
Revolving credit balance:
| $14,238 | Stated income: | $75,000-$99,999 |
Amount delinquent:
| $0 |
Bankcard utilization:
| 67% | | |
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| No | | |
Delinquencies in last 7y:
| 0 | | | | |
Screen name:
| picassobrothers |
Borrower's state:
| Wyoming |
Borrower's group:
| N/A |
Credit and homeownership information was obtained 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 credit cards.? Mine and spouses.
Some of our cards are now charging a ridiculous?26?- 28% (Chase, formerly WaMu, formerly Providian) and (Capitol One).?
I thought I'd try "Prosper" to see what rate I'd end up with...? Otherwise I'll just go to my bank. My bank normally charges us about 7-8% for auto loans.?I don't know what they'd charge for a personal loan for consolidation.
My score will jump back up near 800 once I pay these cards off.?
Thank you for your consideration Prosper investors.
My financial situation:
I am a good candidate for this loan because? Recently sold my home.
Monthly net income: $4800.00 after taxes & insurance benefits.
(Some months provide 3 paydays so $7200.00 those months)
Monthly expenses $3170.00
? Housing: $820.00 (was formerly $2,400.00 for last 5 years, never late.)
??Insurance: $450.00 (life & auto)
??Car expenses: $200.00 (fuel & oil)????????
??Utilities: $150.00?(all)???
??Phone, cable, internet: $150.00
??Food, entertainment: $50.00
??Clothing, household expenses $100.00
??Credit cards and other loans: $750.00 ?
??Other expenses: $500.00 (groceries)?
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
464570
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount:
| $5,000.00 |
Prosper Rating:
| D |
Auction Duration:
| 7 days
|
Term:
| 36 months |
Estimated loss:
| 10.0% | | |
| | |
|
Starting lender yield:
| 26.38% |
Starting borrower rate/APR:
| 27.38% / 29.72% |
Starting monthly payment:
| $205.15 |
|
Auction yield range:
| 10.98% - 26.38% |
Estimated loss impact:
| 10.66% | | |
Lender servicing fee:
| 1.00% |
Estimated return:
| 15.72% | | |
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper scores:
| |
First credit line:
| May-2008 |
Debt/Income ratio:
| Self-employed (DTI Not Calculated) |
Basic (1-10):
| 6 |
Inquiries last 6m:
| 1 | Employment status: | Self-employed |
Enhanced (1-5): | 1 |
Current / open credit lines:
| 2
/
1 | Length of status: | 0y 10m |
Credit score:
| 720-739 (Jul-2010) |
Total credit lines:
| 3 |
Occupation: | Student - College S... |
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:
| currency-solstice3 |
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 for College Expenses
Purpose of loan:
This loan will be used to pay of part of my tuition as well as minor expenses incurred during the semester
My financial situation:
I am a good candidate for this loan because I am a very hard-working person and have nothing to hide. I am supported by my family but there is very little financial flexibility and this loan would be beneficial to everyone involved.
Monthly net income: $1000
Monthly expenses: $400
Most of my expenses are paid for except for general food/misc expenses, I have no loans or any other debt.
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
464588
The following information pertains to the borrower loan being requested, that corresponds to the series 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:
| 16.98% - 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-1979 |
Debt/Income ratio:
| 28% |
Basic (1-10):
| 2 |
Inquiries last 6m:
| 1 | Employment status: | Full-time employee |
Enhanced (1-5): | 3 |
Current / open credit lines:
| 4
/
5 | Length of status: | 2y 2m |
Credit score:
| 680-699 (Jul-2010) |
Total credit lines:
| 11 |
Occupation: | Administrative Assi... |
Now delinquent:
| 1 |
Revolving credit balance:
| $13,825 | Stated income: | $25,000-$49,999 |
Amount delinquent:
| $1,608 |
Bankcard utilization:
| 100% | | |
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| Yes | | |
Delinquencies in last 7y:
| 0 | | | | |
Screen name:
| wonderous-benefit975 |
Borrower's state:
| Missouri |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Description
My personal loan
Purpose of loan:
This loan will be used to get me out of delinquent status so I can refinance my mortgage.? Thank you!
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
464596
The following information pertains to the borrower loan being requested, that corresponds to the series 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:
| E |
Auction Duration:
| 7 days
|
Term:
| 36 months |
Estimated loss:
| 14.0% | | |
| | |
|
Starting lender yield:
| 14.00% |
Starting borrower rate/APR:
| 15.00% / 17.17% |
Starting monthly payment:
| $346.65 |
|
Auction yield range:
| 13.98% - 14.00% |
Estimated loss impact:
| 14.60% | | |
Lender servicing fee:
| 1.00% |
Estimated return:
| -0.60% | | |
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:
| Jul-1988 |
Debt/Income ratio:
| 48% |
Basic (1-10):
| 6 |
Inquiries last 6m:
| 0 | Employment status: | Full-time employee |
Enhanced (1-5): | 2 |
Current / open credit lines:
| 18
/
16 | Length of status: | 5y 0m |
Credit score:
| 680-699 (Jun-2010) |
Total credit lines:
| 36 |
Occupation: | Professional |
Now delinquent:
| 0 |
Revolving credit balance:
| $43,759 | Stated income: | $25,000-$49,999 |
Amount delinquent:
| $0 |
Bankcard utilization:
| 96% | | |
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| Yes | | |
Delinquencies in last 7y:
| 0 | | | | |
Screen name:
| bid-laser5 |
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
free from debt
Purpose of loan:
This loan will be used top?
would like to pay high int credit cards
My financial situation:
I am a good candidate for this loan because??
I always pay my bills on time, I'v been working in the same field for over 25 years? with no layoff
Monthly net income: $
2400
Monthly expenses: $
??Housing: $?0??Insurance: $ 100
??Car expenses: $ 140
??Utilities: $ 100
??Phone, cable, internet: $ 75
??Food, entertainment: $ 200
??Clothing, household expenses $?100
??Credit cards and other loans: $500?
??Other expenses: $
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
464602
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount:
| $9,500.00 |
Prosper Rating:
| 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:
| $307.43 |
|
Auction yield range:
| 3.98% - 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-1988 |
Debt/Income ratio:
| 27% |
Basic (1-10):
| 9 |
Inquiries last 6m:
| 0 | Employment status: | Full-time employee |
Enhanced (1-5): | 4 |
Current / open credit lines:
| 23
/
22 | Length of status: | 11y 7m |
Credit score:
| 780-799 (Jun-2010) |
Total credit lines:
| 45 |
Occupation: | Engineer - Mechanic... |
Now delinquent:
| 0 |
Revolving credit balance:
| $58,568 | Stated income: | $50,000-$74,999 |
Amount delinquent:
| $0 |
Bankcard utilization:
| 55% | | |
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| Yes | | |
Delinquencies in last 7y:
| 0 | | | | |
Screen name:
| L2SGirls |
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.
Prosper Activity
Loan history | Payment history | Credit score history |
Active / total loans:
| 1 / 1 |
On-time:
| 33 ( 100% )
| 780-799 (Latest)
|
Principal borrowed:
| $8,000.00 | < 31 days late:
| 0
( 0% )
| 760-779
(Aug-2007)
|
Principal balance:
| $753.83 |
31+ days late:
| 0
( 0% )
|
Total payments billed:
| 33 | | |
Description
Debt Consolidation
Purpose of loan:
This loan will be used to consolidate and to pay off my credit cards for good.? My three year plan is to be entirely debt free by 2013.
My financial situation:
I am a good candidate for this loan because?I only have three more payments left?from a previous loan with the Prosper community and I have never been late for any of my payments.
I?am employed at the same job with a local government agency for over 11 years and I have a steady reliable source of income.
I am determined to be debt-free in three years or less!
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
464608
The following information pertains to the borrower loan being requested, that corresponds to the series 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:
| 16.98% - 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-1995 |
Debt/Income ratio:
| 16% |
Basic (1-10):
| 5 |
Inquiries last 6m:
| 10 | Employment status: | Full-time employee |
Enhanced (1-5): | 4 |
Current / open credit lines:
| 9
/
8 | Length of status: | 4y 5m |
Credit score:
| 660-679 (Jun-2010) |
Total credit lines:
| 31 |
Occupation: | Retail Management |
Now delinquent:
| 0 |
Revolving credit balance:
| $3,449 | Stated income: | $50,000-$74,999 |
Amount delinquent:
| $0 |
Bankcard utilization:
| 25% | | |
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| Yes | | |
Delinquencies in last 7y:
| 1 | | | | |
Screen name:
| dinero-idol |
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
Buying a used truck for home proj
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
464624
The following information pertains to the borrower loan being requested, that corresponds to the series 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:
| 34.5% | | |
| | |
|
Starting lender yield:
| 34.00% |
Starting borrower rate/APR:
| 35.00% / 37.45% |
Starting monthly payment:
| $294.03 |
|
Auction yield range:
| 16.98% - 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-1996 |
Debt/Income ratio:
| 25% |
Basic (1-10):
| 1 |
Inquiries last 6m:
| 5 | Employment status: | Full-time employee |
Enhanced (1-5): | 1 |
Current / open credit lines:
| 5
/
6 | Length of status: | 25y 7m |
Credit score:
| 660-679 (Jun-2010) |
Total credit lines:
| 22 |
Occupation: | Engineer - Electric... |
Now delinquent:
| 1 |
Revolving credit balance:
| $22,022 | Stated income: | $50,000-$74,999 |
Amount delinquent:
| $277 |
Bankcard utilization:
| 106% | | |
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| Yes | | |
Delinquencies in last 7y:
| 14 | | | | |
Screen name:
| leverage-cannon4 |
Borrower's state:
| Colorado |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Description
Debt consolidation
Purpose of loan:
My daughter is having her spine fused because of? a birth defect. This loan will pay off all my personal debt except for my house and?I will be there for her during her recovery.
My financial situation:
I am a good candidate for this loan because I have a steady work history with the same compny for the last 25 yaers
Monthly net income: $3300.00
Monthly expenses:
??Housing: $ 2996
??Insurance: $ 135
??Car expenses: $ 401
??Utilities: $ 300
??Phone, cable, internet: $ 150
??Food, entertainment: $?100
??Clothing, household expenses $ 200
??Credit cards and other loans: $ 250
??Other expenses: $
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
464632
The following information pertains to the borrower loan being requested, that corresponds to the series 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:
| $11,500.00 |
Prosper Rating:
| HR |
Auction Duration:
| 7 days
|
Term:
| 36 months |
Estimated loss:
| 34.5% | | |
| | |
|
Starting lender yield:
| 34.00% |
Starting borrower rate/APR:
| 35.00% / 37.45% |
Starting monthly payment:
| $520.21 |
|
Auction yield range:
| 16.98% - 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:
| Jan-1994 |
Debt/Income ratio:
| 47% |
Basic (1-10):
| 1 |
Inquiries last 6m:
| 0 | Employment status: | Full-time employee |
Enhanced (1-5): | 2 |
Current / open credit lines:
| 4
/
3 | Length of status: | 8y 10m |
Credit score:
| 660-679 (Jun-2010) |
Total credit lines:
| 53 |
Occupation: | Teacher |
Now delinquent:
| 1 |
Revolving credit balance:
| $1,601 | Stated income: | $25,000-$49,999 |
Amount delinquent:
| $40 |
Bankcard utilization:
| 94% | | |
Public records last 12m / 10y:
| 0/ 1 |
Homeownership:
| No | | |
Delinquencies in last 7y:
| 21 | | | | |
Screen name:
| compassion-dogwood2 |
Borrower's state:
| Missouri |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Description
Debt Consolidation
Purpose of loan:
This loan will be used to? consoladate my car, credit card, and small loan.
Negative marks on my past credit is the result of a divorce.? Filing Bankruptcy was emotionally harder to do then divorcing the 185lbs oxygen thief that lived off of me for 15 years.? I sure miss my good credit!
I have watched my credit score rise from 540 after the divorce to it's present score.?I did not notice the 1 deliquent bill until I posted this application.? After researching it, I found out it was a copay at a medical facility that was not charged upfront because I visited the office twice in one day.? I wasn't aware of the charge and am paying right now.
My financial situation:
I am a good candidate for this loan because? Consolidating my debt isn't something I need to do.? I am choosing to do it because after I did the math (with the help of finacial adisor), combining these bills at a higher interest and paying them off faster will actually save me money.
Monthly net income: $ 2732
Monthly expenses: $
??Housing: $ 0
??Insurance: $ 271
??Car expenses: $ 306
??Utilities: $ 200
??Phone, cable, internet: $ 268
??Food, entertainment: $ 300
??Clothing, household expenses $ 100
??Credit cards and other loans: $ 100
??Other expenses: $ 200
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
464636
The following information pertains to the borrower loan being requested, that corresponds to the series 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:
| 18.0% | | |
| | |
|
Starting lender yield:
| 34.00% |
Starting borrower rate/APR:
| 35.00% / 37.45% |
Starting monthly payment:
| $90.47 |
|
Auction yield range:
| 16.98% - 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:
| 3% |
Basic (1-10):
| 3 |
Inquiries last 6m:
| 5 | Employment status: | Full-time employee |
Enhanced (1-5): | 2 |
Current / open credit lines:
| 9
/
5 | Length of status: | 3y 5m |
Credit score:
| 740-759 (Jun-2010) |
Total credit lines:
| 47 |
Occupation: | Computer Programmer |
Now delinquent:
| 2 |
Revolving credit balance:
| $528 | Stated income: | $100,000+ |
Amount delinquent:
| $18,678 |
Bankcard utilization:
| 19% | | |
Public records last 12m / 10y:
| 2/ 2 |
Homeownership:
| Yes | | |
Delinquencies in last 7y:
| 4 | | | | |
Screen name:
| Value-Crusader5 |
Borrower's state:
| Connecticut |
Borrower's group:
| 440+ Supporting Lenders. Get FUNDED @ LOWER % than ANY group |
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan history | Payment history | Credit score history |
Active / total loans:
| 1 / 1 |
On-time:
| 6 ( 100% )
| 740-759 (Latest)
|
Principal borrowed:
| $1,000.00 | < 31 days late:
| 0
( 0% )
| 780-799
(Nov-2009)
|
Principal balance:
| $537.06 |
31+ days late:
| 0
( 0% )
|
Total payments billed:
| 6 | | |
Description
Paying off debts-lower monthly paym
Purpose of loan:
This loan will be used to lengthen repayment period on property taxes, resulting in a lower monthly payment to get ahead of debt and stay on track to be debt free (other than mortgage) in 5 years.
My financial situation:
I am a good candidate for this loan despite prior difficulty making payments due to a business failure in 2007.? Although behind on two debts with American Express as shown in Prospers summary, I am making monthly payments on this debt and expect to have it paid in full within two years.? In addition, their are two judgements listed, both for a company called ACI, this is an old business debt that I have been paying since October of 2009 and will be paid in full by November.
Monthly net income: $ 6651.78
Monthly expenses: $
??Housing: $ 2408
??Insurance: $ 153
??Car expenses: $ 75
??Utilities: $ 100
??Phone, cable, internet: $ 100?
??Food, entertainment: $?600
??Clothing, household expenses $ 150
??Credit cards and other loans: $?1725
??Other expenses: $
Debts to be paid:
Property Taxes:????$2608????$500
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
464642
The following information pertains to the borrower loan being requested, that corresponds to the series 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:
| B |
Auction Duration:
| 7 days
|
Term:
| 36 months |
Estimated loss:
| 5.0% | | |
| | |
|
Starting lender yield:
| 12.98% |
Starting borrower rate/APR:
| 13.98% / 16.14% |
Starting monthly payment:
| $136.67 |
|
Auction yield range:
| 5.98% - 12.98% |
Estimated loss impact:
| 5.22% | | |
Lender servicing fee:
| 1.00% |
Estimated return:
| 7.76% | | |
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:
| Mar-1999 |
Debt/Income ratio:
| 27% |
Basic (1-10):
| 8 |
Inquiries last 6m:
| 0 | Employment status: | Full-time employee |
Enhanced (1-5): | 3 |
Current / open credit lines:
| 18
/
16 | Length of status: | 12y 10m |
Credit score:
| 740-759 (Jun-2010) |
Total credit lines:
| 55 |
Occupation: | Food Service Manage... |
Now delinquent:
| 0 |
Revolving credit balance:
| $55,769 | 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:
| 0 | | | | |
Screen name:
| coin-tent9 |
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
Lower interest rate
Purpose of loan:
To pay off credit card with high interest rate (21%) at a fixed rate rather than?vairiable rate.?
My financial situation:?The reason?my dept % is so high, is that $38,000 is from an home equity line of credit.? That and the 1st mortgage is what I purchased my house for.?I have a very good job security with the restaurant I work for?and the potential?to ?earn more (12 yrs 9 mths so far)??I?pay all my bills promptly every month. ?My wife works part time to help .???????????????????????????????????????????????????? Monthly net income: $?3300
?????? I
Monthly expenses: $
??Housing: $ 1300
??Car expenses: $ 285
??Utilities: $ 200
??Phone, cable, internet: $ 125
??Credit cards and other loans: $ 225
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
464644
The following information pertains to the borrower loan being requested, that corresponds to the series 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:
| 16.98% |
Starting borrower rate/APR:
| 17.98% / 20.19% |
Starting monthly payment:
| $542.14 |
|
Auction yield range:
| 16.98% - 16.98% |
Estimated loss impact:
| 18.94% | | |
Lender servicing fee:
| 1.00% |
Estimated return:
| -1.96% | | |
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper scores:
| |
First credit line:
| May-1998 |
Debt/Income ratio:
| 20% |
Basic (1-10):
| 5 |
Inquiries last 6m:
| 4 | Employment status: | Full-time employee |
Enhanced (1-5): | 3 |
Current / open credit lines:
| 15
/
15 | Length of status: | 17y 8m |
Credit score:
| 760-779 (Jul-2010) |
Total credit lines:
| 44 |
Occupation: | Professional |
Now delinquent:
| 2 |
Revolving credit balance:
| $15,028 | Stated income: | $50,000-$74,999 |
Amount delinquent:
| $0 |
Bankcard utilization:
| 20% | | |
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| Yes | | |
Delinquencies in last 7y:
| 2 | | | | |
Screen name:
| wise-consummate-value |
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
paying off credit cards
Purpose of loan:
This loan will be used to? pay off my 3 credit cards that I had to use after a divorce
My financial situation:
I am a good candidate for this loan because? I have a solid career and a good income, just feeling overwhelmed and want to get everything into one payment.
Monthly net income: $ 3000.00
Monthly expenses: $
??Housing: $ 653. - renting apt
??Insurance: $
??Car expenses: $ 120
??Utilities: $ 140
??Phone, cable, internet: $100
??Food, entertainment: $
??Clothing, household expenses $
??Credit cards and other loans: $600
??Other expenses: $ 300
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
464650
The following information pertains to the borrower loan being requested, that corresponds to the series 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:
| 25.38% |
Starting borrower rate/APR:
| 26.38% / 28.97% |
Starting monthly payment:
| $60.74 |
|
Auction yield range:
| 10.98% - 25.38% |
Estimated loss impact:
| 10.63% | | |
Lender servicing fee:
| 1.00% |
Estimated return:
| 14.75% | | |
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:
| May-1999 |
Debt/Income ratio:
| 7% |
Basic (1-10):
| 7 |
Inquiries last 6m:
| 2 | Employment status: | Full-time employee |
Enhanced (1-5): | 3 |
Current / open credit lines:
| 2
/
2 | Length of status: | 2y 9m |
Credit score:
| 660-679 (Jul-2010) |
Total credit lines:
| 7 |
Occupation: | Other |
Now delinquent:
| 0 |
Revolving credit balance:
| $1,001 | Stated income: | $25,000-$49,999 |
Amount delinquent:
| $0 |
Bankcard utilization:
| 95% | | |
Public records last 12m / 10y:
| 0/ 1 |
Homeownership:
| Yes | | |
Delinquencies in last 7y:
| 0 | | | | |
Screen name:
| carrielu |
Borrower's state:
| Georgia |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan history | Payment history | Credit score history |
Active / total loans:
| 1 / 1 |
On-time:
| 32 ( 100% )
| 660-679 (Latest)
|
Principal borrowed:
| $3,500.00 | < 31 days late:
| 0
( 0% )
| 660-679
(Oct-2009)
660-679
(Oct-2007)
|
Principal balance:
| $466.57 |
31+ days late:
| 0
( 0% )
|
Total payments billed:
| 32 | | |
Description
Funeral Expenses for Father
Purpose of loan:
My father passed away June 29, 2010 and did not have a life insurance policy or any money set aside for funeral expenses.? This money will allow us to pay for funeral expenses for my father.?
My financial situation:
I am a good candidate for this loan because I have a stable job and have not been late on a payment in 7 years.? I have a Prosper Loan that will be?paid off in October and?I have not been late for any of the payemnts.
Monthly net income: $
Gross Family Income $6100 per month
Monthly expenses: $
??Housing: $ 1350
??Insurance: $ 165
??Car expenses: $ 400
??Utilities: $ 200
??Phone, cable, internet: $ 200
??Food, entertainment: $ 800
??Clothing, household expenses $ 200
??Credit cards and other loans: $ 100
??Other expenses: $ none
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
464656
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount:
| $15,000.00 |
Prosper Rating:
| HR |
Auction Duration:
| 7 days
|
Term:
| 36 months |
Estimated loss:
| 34.5% | | |
| | |
|
Starting lender yield:
| 24.00% |
Starting borrower rate/APR:
| 25.00% / 27.31% |
Starting monthly payment:
| $596.40 |
|
Auction yield range:
| 16.98% - 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:
| Dec-1999 |
Debt/Income ratio:
| 34% |
Basic (1-10):
| 1 |
Inquiries last 6m:
| 4 | Employment status: | Full-time employee |
Enhanced (1-5): | 1 |
Current / open credit lines:
| 1
/
1 | Length of status: | 9y 6m |
Credit score:
| 720-739 (Jun-2010) |
Total credit lines:
| 7 |
Occupation: | Skilled Labor |
Now delinquent:
| 0 |
Revolving credit balance:
| $0 | Stated income: | $1-$24,999 |
Amount delinquent:
| $0 |
Bankcard utilization:
| 0% | | |
Public records last 12m / 10y:
| 0/ 1 |
Homeownership:
| No | | |
Delinquencies in last 7y:
| 0 | | | | |
Screen name:
| sebastian726 |
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
To Buy Business Clients
Purpose of Loan:
To buy more printing clients
My financial situation:
I have $ 833 plus $550 (if my office is moved to my home) every month to pay my debts here, since all my expenses are paid by the company (my own). I can show records for my ability to pay back. Car and other expenses are paid my company.
Monthly net income: $
1733
Monthly expenses: $
??Housing: $ 650
??Insurance: $
118
??Car expenses: $
120
??Food, : $
200
??Other expenses: $
0
undefined
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
464660
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount:
| $2,000.00 |
Prosper Rating:
| AA |
Auction Duration:
| 7 days
|
Term:
| 36 months |
Estimated loss:
| 0.6% | | |
| | |
|
Starting lender yield:
| 4.55% |
Starting borrower rate/APR:
| 5.55% / 5.89% |
Starting monthly payment:
| $60.44 |
|
Auction yield range:
| 2.98% - 4.55% |
Estimated loss impact:
| 0.59% | | |
Lender servicing fee:
| 1.00% |
Estimated return:
| 3.96% | | |
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper scores:
| |
First credit line:
| Nov-1992 |
Debt/Income ratio:
| 10% |
Basic (1-10):
| 10 |
Inquiries last 6m:
| 0 | Employment status: | Full-time employee |
Enhanced (1-5): | 5 |
Current / open credit lines:
| 6
/
6 | Length of status: | 5y 4m |
Credit score:
| 800-819 (Jun-2010) |
Total credit lines:
| 9 |
Occupation: | Sales - Retail |
Now delinquent:
| 0 |
Revolving credit balance:
| $967 | Stated income: | $1-$24,999 |
Amount delinquent:
| $0 |
Bankcard utilization:
| 1% | | |
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| No | | |
Delinquencies in last 7y:
| 0 | | | | |
Screen name:
| focused-durability8 |
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
going back to school
Purpose of loan:
This loan will be used to?
going back to cosmetology school.
My financial situation:
I am a good candidate for this loan because? I don't have any major debs. I want to go back to school to get a better job, hence better pay.
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
464662
The following information pertains to the borrower loan being requested, that corresponds to the series 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:
| 17.00% |
Starting borrower rate/APR:
| 18.00% / 20.21% |
Starting monthly payment:
| $361.52 |
|
Auction yield range:
| 16.98% - 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:
| Feb-1991 |
Debt/Income ratio:
| Self-employed (DTI Not Calculated) |
Basic (1-10):
| 1 |
Inquiries last 6m:
| 6 | Employment status: | Self-employed |
Enhanced (1-5): | 1 |
Current / open credit lines:
| 4
/
5 | Length of status: | 4y 5m |
Credit score:
| 660-679 (Jun-2010) |
Total credit lines:
| 36 |
Occupation: | Other |
Now delinquent:
| 1 |
Revolving credit balance:
| $3,679 | Stated income: | $50,000-$74,999 |
Amount delinquent:
| $5,621 |
Bankcard utilization:
| 36% | | |
Public records last 12m / 10y:
| 0/ 1 |
Homeownership:
| Yes | | |
Delinquencies in last 7y:
| 8 | | | | |
Screen name:
| joyful-dinero8 |
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
grow my company
Purpose of loan:
This loan will be used to grow my company, I live in the state of AZ and have a pool service business, cleaning and repair. I started the business a little over 4 years ago, only advertised 2 times, since then I have been blessed of working all by referral. In the past 6 to 8 months I've had more and more referrals, I been working as much as I could trying to keep up. With more?business coming in I'm ready to take the business it to the next level, hire an assistant to help with billing and customers request.?Purchase?more equipment, I was thinking of doing the vehicle wrap advertising to my trucks, create a company website, and hire employees to help with my route..
My financial situation:
I am a good candidate for this loan because I am a very responsible person, I am not one to have late payments. I'm on top of my credit. Everyone has had a hard time in the past, and we all learn from it and make sure we dont do it again.
Monthly net income: $ 4500
Monthly expenses: $
??Housing: $ 975.00
??Insurance: $ Inc.
??Car expenses: $ 250.00
??Utilities: $ 150.00
??Phone, cable, internet: $ 120.00
??Food, entertainment: $?200.00
??Clothing, household expenses $ 50.00
??Credit cards and other loans: $ 500.00
??Other expenses: $
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
464666
The following information pertains to the borrower loan being requested, that corresponds to the series 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:
| 27.38% |
Starting borrower rate/APR:
| 28.38% / 30.73% |
Starting monthly payment:
| $623.54 |
|
Auction yield range:
| 10.98% - 27.38% |
Estimated loss impact:
| 10.68% | | |
Lender servicing fee:
| 1.00% |
Estimated return:
| 16.70% | | |
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper scores:
| |
First credit line:
| Oct-1987 |
Debt/Income ratio:
| 8% |
Basic (1-10):
| 6 |
Inquiries last 6m:
| 2 | Employment status: | Full-time employee |
Enhanced (1-5): | 3 |
Current / open credit lines:
| 11
/
9 | Length of status: | 22y 3m |
Credit score:
| 740-759 (Jul-2010) |
Total credit lines:
| 36 |
Occupation: | Executive |
Now delinquent:
| 0 |
Revolving credit balance:
| $173,844 | Stated income: | $100,000+ |
Amount delinquent:
| $0 |
Bankcard utilization:
| 8% | | |
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| No | | |
Delinquencies in last 7y:
| 0 | | | | |
Screen name:
| return-coyote0 |
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
Personal loan for business use
Purpose of loan:
This loan will be used to open a daycare.
My financial situation:
I am a good candidate for this loan because I am very good with kids and I?plan on running a very successful daycare with great employees.
Monthly net income: $ 9,000
Monthly expenses: $
??Housing: $ 891.00
??Insurance: $?89.00
??Car expenses: $
??Utilities: $ 300.00
??Phone, cable, internet: $ 100.00
??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
464668
The following information pertains to the borrower loan being requested, that corresponds to the series 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:
| 16.98% - 34.00% |
Estimated loss impact:
| 20.01% | | |
Lender servicing fee:
| 1.00% |
Estimated return:
| 13.99% | | |
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper scores:
| |
First credit line:
| Jan-1993 |
Debt/Income ratio:
| 48% |
Basic (1-10):
| 5 |
Inquiries last 6m:
| 3 | Employment status: | Full-time employee |
Enhanced (1-5): | 2 |
Current / open credit lines:
| 8
/
7 | Length of status: | 2y 4m |
Credit score:
| 660-679 (Jun-2010) |
Total credit lines:
| 51 |
Occupation: | Other |
Now delinquent:
| 0 |
Revolving credit balance:
| $9,239 | Stated income: | $50,000-$74,999 |
Amount delinquent:
| $0 |
Bankcard utilization:
| 92% | | |
Public records last 12m / 10y:
| 0/ 1 |
Homeownership:
| No | | |
Delinquencies in last 7y:
| 0 | | | | |
Screen name:
| worlds-best-affluence5 |
Borrower's state:
| California |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Description
Pay off Private Loan
Purpose of loan:
This loan will be used to help pay off private loan used to minor repairs on my home.
My financial situation:
I am a good candidate for this loan because I pay my bills on time.?
Monthly net income: $
Monthly expenses: $ 1917
??Housing: $1200
??Insurance: $
??Car expenses: $
??Utilities: $ 100
??Phone, cable, internet: $ 100
??Food, entertainment: $ 200
??Clothing, household expenses $
??Credit cards and other loans: $ 317
??Other expenses: $
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
464680
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount:
| $4,500.00 |
Prosper Rating:
| HR |
Auction Duration:
| 7 days
|
Term:
| 36 months |
Estimated loss:
| 25.0% | | |
| | |
|
Starting lender yield:
| 34.00% |
Starting borrower rate/APR:
| 35.00% / 37.45% |
Starting monthly payment:
| $203.56 |
|
Auction yield range:
| 16.98% - 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-1996 |
Debt/Income ratio:
| 15% |
Basic (1-10):
| 2 |
Inquiries last 6m:
| 7 | Employment status: | Full-time employee |
Enhanced (1-5): | 3 |
Current / open credit lines:
| 12
/
10 | Length of status: | 13y 0m |
Credit score:
| 680-699 (Jun-2010) |
Total credit lines:
| 54 |
Occupation: | Executive |
Now delinquent:
| 1 |
Revolving credit balance:
| $6,956 | Stated income: | $100,000+ |
Amount delinquent:
| $1,895 |
Bankcard utilization:
| 71% | | |
Public records last 12m / 10y:
| 0/ 1 |
Homeownership:
| Yes | | |
Delinquencies in last 7y:
| 19 | | | | |
Screen name:
| alluring-money0 |
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
Consolidating Misc Debts
Purpose of loan:
This loan will be used to consolidate and payoff my credit card debt within a 3 year term.
My financial situation:
We ran into financial difficulties last year after adopting our son through a private adoption agency and the fees nearly tripled due to some legal difficulties.This has now been resolved, but has negatively impacted my credit some, though my income has remained strong.I have stable employment of nearly 13 years (same employer from college to current), and definitely appreciate you giving strong consideration to assisting.Thank You.
Monthly net income: $ 7,300.00
Monthly expenses: $ 2000.00
??Housing: $ 1,400
??Insurance: $ 90
??Car expenses: $ 775
??Utilities: $ 115
??Phone, cable, internet: $ 120
??Food, entertainment: $ 375
??Clothing, household expenses $ 300
??Credit cards and other loans: $ 121
??Other expenses: $ 100
Monthly net income: $ 7,300.00
Monthly expenses: $ 2000.00
??Housing: $ 1,400
??Insurance: $ 90
??Car expenses: $ 775
??Utilities: $ 115
??Phone, cable, internet: $ 120
??Food, entertainment: $ 375
??Clothing, household expenses $ 300
??Credit cards and other loans: $ 121
??Other expenses: $ 100
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
464686
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount:
| $4,000.00 |
Prosper Rating:
| HR |
Auction Duration:
| 7 days
|
Term:
| 36 months |
Estimated loss:
| 25.0% | | |
| | |
|
Starting lender yield:
| 34.00% |
Starting borrower rate/APR:
| 35.00% / 37.45% |
Starting monthly payment:
| $180.94 |
|
Auction yield range:
| 16.98% - 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-1989 |
Debt/Income ratio:
| 11% |
Basic (1-10):
| 2 |
Inquiries last 6m:
| 5 | Employment status: | Full-time employee |
Enhanced (1-5): | 2 |
Current / open credit lines:
| 9
/
7 | Length of status: | 2y 1m |
Credit score:
| 700-719 (Jun-2010) |
Total credit lines:
| 20 |
Occupation: | Sales - Commission |
Now delinquent:
| 2 |
Revolving credit balance:
| $5,143 | Stated income: | $50,000-$74,999 |
Amount delinquent:
| $703 |
Bankcard utilization:
| 69% | | |
Public records last 12m / 10y:
| 0/ 1 |
Homeownership:
| Yes | | |
Delinquencies in last 7y:
| 0 | | | | |
Screen name:
| worth-financier |
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
Payoff remodel job
Purpose of loan:
This loan will be used to? payoff the credit cards I used for some?remodel on my new home.?
My financial situation:
I am a good candidate for this loan because? My credit is very good (700 range).?The only?derog on my credit report is an old collection of $703 that I have disputed for over 6 years now. I refuse to pay it as it is incorrect! I am stubborn.
I was told by Prosper that the only reason I am HR rating is due to too many inquiries in last?few months. I did just get a?new mortgage recently, and also just purchased a newer car (for better gas mileage!). ?My credit was pulled a few times when shopping both of those. Once those inquiries wear off, my rating will indeed improve.
I just paid off my family who helped me with the?downpayment of?my new home. My dog and I are all settled in now.?? :)
Now I want to payoff the credit cards I used to do some remodel on?the new house. I would rather pay YOU than the?credit card companies!
I take pride in paying my bills on time, always!!
Please consider me for this loan. I have a good amount of money leftover every?month after paying bills, so payment will not be a problem.
Not sure if it's allowed, but I am willing to have the person?who carries this loan to be on my house title. I have plenty of equity in the house.
Thank you.? :)
Monthly net income: $ 4300 after taxes
Monthly expenses: $
??Housing: $ 1787?(Note: I?collect $900 rent for my?basement apartment)
??Insurance: $?100
?Car expenses: $305?
??Utilities: $ 50
??Phone, cable, internet: $?100
??Food, entertainment: $?200
??Clothing, household expenses $ 200
??Credit cards and other loans: $ 125
??Other expenses: $ 0
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
464692
The following information pertains to the borrower loan being requested, that corresponds to the series 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:
| 15.00% |
Starting borrower rate/APR:
| 16.00% / 18.18% |
Starting monthly payment:
| $140.63 |
|
Auction yield range:
| 10.98% - 15.00% |
Estimated loss impact:
| 10.34% | | |
Lender servicing fee:
| 1.00% |
Estimated return:
| 4.66% | | |
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:
| 15% |
Basic (1-10):
| 8 |
Inquiries last 6m:
| 2 | Employment status: | Full-time employee |
Enhanced (1-5): | 4 |
Current / open credit lines:
| 11
/
9 | Length of status: | 10y 7m |
Credit score:
| 680-699 (Jun-2010) |
Total credit lines:
| 35 |
Occupation: | Other |
Now delinquent:
| 0 |
Revolving credit balance:
| $1,082 | Stated income: | $50,000-$74,999 |
Amount delinquent:
| $0 |
Bankcard utilization:
| 5% | | |
Public records last 12m / 10y:
| 0/ 1 |
Homeownership:
| No | | |
Delinquencies in last 7y:
| 29 | | | | |
Screen name:
| reagolden |
Borrower's state:
| Ohio |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan history | Payment history | Credit score history |
Active / total loans:
| 0 / 1 |
On-time:
| 21 ( 100% )
| 680-699 (Latest)
|
Principal borrowed:
| $1,000.00 | < 31 days late:
| 0
( 0% )
| 700-719
(Apr-2010)
620-639
(May-2007)
|
Principal balance:
| $0.00 |
31+ days late:
| 0
( 0% )
|
Total payments billed:
| 21 | | |
Description
Starting Own Pet Service Business
I'm a single mom with a small farm and 17 rescued companion animals including Parrots, Horses, and Dogs. I love working with companion animals and want to make it my career eventually. I have a part-time pet sitting business and am certified in behavior, grooming and dog obedience.
Years ago I had a car accident and lost income and went through a divorce. The impact on my credit is reflected from those past issues but I have reestablished myself and worked very hard.
I also have a business background with 20 years of banking that includes small business and residential mortgages. Thanks for your support and I hope you will be able to bid with confidence on my listing.
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
464704
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount:
| $3,000.00 |
Prosper Rating:
| A |
Auction Duration:
| 7 days
|
Term:
| 36 months |
Estimated loss:
| 2.1% | | |
| | |
|
Starting lender yield:
| 8.33% |
Starting borrower rate/APR:
| 9.33% / 11.43% |
Starting monthly payment:
| $95.86 |
|
Auction yield range:
| 3.98% - 8.33% |
Estimated loss impact:
| 2.12% | | |
Lender servicing fee:
| 1.00% |
Estimated return:
| 6.21% | | |
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper scores:
| |
First credit line:
| Jun-1997 |
Debt/Income ratio:
| 6% |
Basic (1-10):
| 8 |
Inquiries last 6m:
| 2 | Employment status: | Part-time employee |
Enhanced (1-5): | 3 |
Current / open credit lines:
| 3
/
1 | Length of status: | 7y 10m |
Credit score:
| 780-799 (Jul-2010) |
Total credit lines:
| 7 |
Occupation: | Teacher |
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-mermaid5 |
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
Boston Fabric and Notions
Purpose of loan:
This loan will be used to?
? Purchase fixtures and a Point of Sale system for a start-up business that is profitable, welcoming, and eco-friendly.
We will support the community of sewists and fiber artists in the Boston area by participating in local design events. We will also patronize other independent small business owners, particularly woman-owned businesses. My mission is to provide a well-edited collection of fine fabrics for apparel and home d?cor and to encourage creative expression in the Cambridge community. Instead of attracting ?customers,? at my fabric shop, I strive to create colleagues and friends, focusing on strong relationships growing out of mutual interests.
The shop will carry the following products:
? Fabrics from Freespirit, Rowan, and Kona Bay as well as interfacing and other sundry yard goods
? Notions by Clover, Gutermann, Schmetz, and Dritz
? Patterns by Amy Butler, Colette, Hot Patterns, Favorite Things, and Anna Marie Horner
? Variety of sewing and home d?cor books
? Yarn from Malabrigo co-op
My financial situation:
I will be contributing 23% of the total startup income from my personal savings.
I am a good candidate for this loan because I have a passion for the industry and the community as well as a history of retail experience. My education in art history has helped me to develop my sense of the visual and allows me to approach the business with an eye towards elegance and strong brand presence.
Monthly net income: $8000.00
Monthly expenses:
??Site Lease: $1600
??Insurance: $300
??Utilities: $100
??Phone, cable, internet: $100
??Misc. Supplies: $50
??Payroll: $1000
??Credit cards and other loans: $100
??Credit Card Fees: $150
??Taxes: $450
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
464728
The following information pertains to the borrower loan being requested, that corresponds to the series 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:
| $2,900.00 |
Prosper Rating:
| C |
Auction Duration:
| 7 days
|
Term:
| 36 months |
Estimated loss:
| 6.5% | | |
| | |
|
Starting lender yield:
| 13.90% |
Starting borrower rate/APR:
| 14.90% / 17.07% |
Starting monthly payment:
| $100.39 |
|
Auction yield range:
| 7.98% - 13.90% |
Estimated loss impact:
| 6.81% | | |
Lender servicing fee:
| 1.00% |
Estimated return:
| 7.09% | | |
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper scores:
| |
First credit line:
| Mar-1987 |
Debt/Income ratio:
| 11% |
Basic (1-10):
| 9 |
Inquiries last 6m:
| 0 | Employment status: | Full-time employee |
Enhanced (1-5): | 5 |
Current / open credit lines:
| 6
/
5 | Length of status: | 11y 1m |
Credit score:
| 660-679 (Jul-2010) |
Total credit lines:
| 28 |
Occupation: | Professional |
Now delinquent:
| 0 |
Revolving credit balance:
| $11,113 | Stated income: | $50,000-$74,999 |
Amount delinquent:
| $0 |
Bankcard utilization:
| 52% | | |
Public records last 12m / 10y:
| 0/ 1 |
Homeownership:
| Yes | | |
Delinquencies in last 7y:
| 28 | | | | |
Screen name:
| dollar-supporter |
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
Paying my credit cards&auto repairs
Purpose of loan:
This loan will be used to pay off credit cards, some?car repairs &?summer electric utility company increases??
My financial situation:
I am a good candidate for this loan because I have the income to pay it back quickly?
Monthly net income: $ 5000.00
Monthly expenses: $
??Housing: $ 1700
??Insurance: $ 200.00
??Car expenses: $ 200.00
??Utilities: $ 300.00
??Phone, cable, internet: $ 130.00
??Food, entertainment: $ 50.00
??Clothing, household expenses $ 200
??Credit cards and other loans: $600?
??Other expenses: $ 0
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
464742
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount:
| $10,000.00 |
Prosper Rating:
| D |
Auction Duration:
| 7 days
|
Term:
| 36 months |
Estimated loss:
| 10.0% | | |
| | |
|
Starting lender yield:
| 27.38% |
Starting borrower rate/APR:
| 28.38% / 30.73% |
Starting monthly payment:
| $415.69 |
|
Auction yield range:
| 10.98% - 27.38% |
Estimated loss impact:
| 10.68% | | |
Lender servicing fee:
| 1.00% |
Estimated return:
| 16.70% | | |
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper scores:
| |
First credit line:
| Apr-1997 |
Debt/Income ratio:
| 42% |
Basic (1-10):
| 7 |
Inquiries last 6m:
| 0 | Employment status: | Full-time employee |
Enhanced (1-5): | 4 |
Current / open credit lines:
| 10
/
10 | Length of status: | 12y 10m |
Credit score:
| 720-739 (Jun-2010) |
Total credit lines:
| 27 |
Occupation: | Administrative Assi... |
Now delinquent:
| 0 |
Revolving credit balance:
| $27,419 | Stated income: | $25,000-$49,999 |
Amount delinquent:
| $0 |
Bankcard utilization:
| 63% | | |
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| Yes | | |
Delinquencies in last 7y:
| 0 | | | | |
Screen name:
| sweet-return129 |
Borrower's state:
| Alabama |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Description
Capital to purchase business
Purpose of loan:
This loan will be used to provide the last bit of capital needed to purchase a building for a new business venture.
My financial situation:
I am a good candidate for this loan because I am employed full-time, have excellent credit, and my business partner and fiance owns two successful business already, and is able to repay loans in a short amount of time.
Monthly net income: $1700.00
Monthly expenses: $1400.00
??Housing: $400.00
??Insurance: $60.00
??Car expenses: $0
??Utilities: $120.00
??Phone, cable, internet: $150.00
??Food, entertainment: $200.00
??Clothing, household expenses $200.00
??Credit cards and other loans: $250.00
??Other expenses: $
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
464754
The following information pertains to the borrower loan being requested, that corresponds to the series 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:
| A |
Auction Duration:
| 7 days
|
Term:
| 36 months |
Estimated loss:
| 2.1% | | |
| | |
|
Starting lender yield:
| 12.00% |
Starting borrower rate/APR:
| 13.00% / 15.14% |
Starting monthly payment:
| $202.16 |
|
Auction yield range:
| 3.98% - 12.00% |
Estimated loss impact:
| 2.14% | | |
Lender servicing fee:
| 1.00% |
Estimated return:
| 9.86% | | |
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:
| 36% |
Basic (1-10):
| 9 |
Inquiries last 6m:
| 0 | Employment status: | Full-time employee |
Enhanced (1-5): | 4 |
Current / open credit lines:
| 8
/
7 | Length of status: | 27y 5m |
Credit score:
| 700-719 (Jun-2010) |
Total credit lines:
| 17 |
Occupation: | Laborer |
Now delinquent:
| 0 |
Revolving credit balance:
| $40,442 | Stated income: | $50,000-$74,999 |
Amount delinquent:
| $0 |
Bankcard utilization:
| 79% | | |
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| Yes | | |
Delinquencies in last 7y:
| 0 | | | | |
Screen name:
| museum9 |
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
Add to home to take care of parents
Purpose of loan:
Build on to my home, to help take care of my aging?parents? They need to live with someone now, and I want to help them in any way posisble. We need an addition to a room, with wheel chair access.
My financial situation:
I am responsible, and have a steady job. I like the idea of peer to peer lending-- new idea that makes sense.
Monthly net income: $
3000
Monthly expenses: $
??Housing: $?900
??Insurance: $ 60
??Car expenses: $ 130
??Utilities: $?100
??Phone, cable, internet: $ 120
??Food, entertainment: $ 200
??Clothing, household expenses $ 100
??Credit cards and other loans: $?500
??Other expenses: $ 200
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
464760
The following information pertains to the borrower loan being requested, that corresponds to the series 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:
| 16.98% - 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-2002 |
Debt/Income ratio:
| Not calculated |
Basic (1-10):
| 4 |
Inquiries last 6m:
| 0 | Employment status: | Full-time employee |
Enhanced (1-5): | 5 |
Current / open credit lines:
| 9
/
9 | Length of status: | 4y 11m |
Credit score:
| 680-699 (Jun-2010) |
Total credit lines:
| 10 |
Occupation: | Other |
Now delinquent:
| 0 |
Revolving credit balance:
| $6,001 | Stated income: | $25,000-$49,999 |
Amount delinquent:
| $0 |
Bankcard utilization:
| 89% | | |
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| Yes | | |
Delinquencies in last 7y:
| 0 | | | | |
Screen name:
| greeniris0815 |
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
Hoping 2 pay off credit card debt
Purpose of loan:
This loan will be used to? pay off all 4 of my credit cards with balances and a personal loan I have with my employment, I work at a bank. I have been there almost 5 years (in 2 weeks). We are stable in this economy and just celebrated 100 years so I am not fearing my employment with them.?
My financial situation:
I am a good candidate for this loan because? I am a very resposible person. I have no bankruptcies and no liens. I do own a house. I am current on all my bills. Bills come first. I have no kids. I recently had to use a few credit cards for emergencies. I am now very dissatisfied with myself and would like nothing more than to work on getting the balance I owe down. I will overpay if I have too. I pay about $250 a month to 5 different places, so the payment here is within my means. Lower would always be better though! Please help!
Monthly net income: $ about 700 after all bills are paid for the month
Monthly expenses: $
??Housing: $ 335????
??Insurance: $ 110
??Car expenses: $ 261
??Utilities: $ 20
??Phone, cable, internet: $ 0
??Food, entertainment: $ 100
??Clothing, household expenses $ 50
??Credit cards and other loans: $ 250
??Other expenses: $ 0
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
464766
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount:
| $7,500.00 |
Prosper Rating:
| C |
Auction Duration:
| 7 days
|
Term:
| 36 months |
Estimated loss:
| 6.5% | | |
| | |
|
Starting lender yield:
| 19.90% |
Starting borrower rate/APR:
| 20.90% / 23.15% |
Starting monthly payment:
| $282.18 |
|
Auction yield range:
| 7.98% - 19.90% |
Estimated loss impact:
| 6.96% | | |
Lender servicing fee:
| 1.00% |
Estimated return:
| 12.94% | | |
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:
| Mar-1979 |
Debt/Income ratio:
| 13% |
Basic (1-10):
| 9 |
Inquiries last 6m:
| 0 | Employment status: | Full-time employee |
Enhanced (1-5): | 5 |
Current / open credit lines:
| 6
/
5 | Length of status: | 16y 8m |
Credit score:
| 680-699 (Jun-2010) |
Total credit lines:
| 27 |
Occupation: | Sales - Commission |
Now delinquent:
| 0 |
Revolving credit balance:
| $3,574 | Stated income: | $75,000-$99,999 |
Amount delinquent:
| $0 |
Bankcard utilization:
| 16% | | |
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| Yes | | |
Delinquencies in last 7y:
| 0 | | | | |
Screen name:
| Ruprecht |
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.
Prosper Activity
Loan history | Payment history | Credit score history |
Active / total loans:
| 1 / 1 |
On-time:
| 20 ( 91% )
| 680-699 (Latest)
|
Principal borrowed:
| $5,000.00 | < 31 days late:
| 2
( 9% )
| 680-699
(Jul-2008)
|
Principal balance:
| $2,250.98 |
31+ days late:
| 0
( 0% )
|
Total payments billed:
| 22 | | |
Description
Debt Consolidation
Purpose of loan:
This loan will be used to? pay off debts and have surgery for skin cancer (Basil Cell Carcinoma).
My financial situation:
I am a good candidate for this loan because I have a great job with a major Corporation.? Have been in my same business for 31 year.
Monthly net income: $ 3230.00 plus quarterly commissions and year end bonus.
Monthly expenses: $
??Housing: $ 475.00
??Insurance: $?300.00
??Car expenses: $ 225.00
??Utilities: $ 250.00
??Phone, cable, internet: $ 175.00
??Food, entertainment: $ 100.00
??Clothing, household expenses $ 200.00
??Credit cards and other loans: $ 200.00
??Other expenses: $ Medications 100.00
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
464772
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount:
| $5,000.00 |
Prosper Rating:
| E |
Auction Duration:
| 7 days
|
Term:
| 36 months |
Estimated loss:
| 14.7% | | |
| | |
|
Starting lender yield:
| 34.00% |
Starting borrower rate/APR:
| 35.00% / 37.45% |
Starting monthly payment:
| $226.18 |
|
Auction yield range:
| 13.98% - 34.00% |
Estimated loss impact:
| 16.27% | | |
Lender servicing fee:
| 1.00% |
Estimated return:
| 17.73% | | |
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper scores:
| |
First credit line:
| Oct-2004 |
Debt/Income ratio:
| 31% |
Basic (1-10):
| 6 |
Inquiries last 6m:
| 0 | Employment status: | Full-time employee |
Enhanced (1-5): | 4 |
Current / open credit lines:
| 17
/
11 | Length of status: | 7y 3m |
Credit score:
| 600-619 (Jun-2010) |
Total credit lines:
| 29 |
Occupation: | Social Worker |
Now delinquent:
| 0 |
Revolving credit balance:
| $9,884 | Stated income: | $25,000-$49,999 |
Amount delinquent:
| $0 |
Bankcard utilization:
| 96% | | |
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| No | | |
Delinquencies in last 7y:
| 0 | | | | |
Screen name:
| tolik25 |
Borrower's state:
| NewJersey |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan history | Payment history | Credit score history |
Active / total loans:
| 0 / 1 |
On-time:
| 16 ( 94% )
| 600-619 (Latest)
|
Principal borrowed:
| $1,000.00 | < 31 days late:
| 1
( 6% )
| 540-559
(May-2008)
520-539
(Mar-2008)
|
Principal balance:
| $15.83 |
31+ days late:
| 0
( 0% )
|
Total payments billed:
| 17 | | |
Description
Paying off high int. credit cards
Purpose of loan:
This loan will be used to?
strictly to pay off some high interest credit cards .
My financial situation:
I am a good candidate for this loan because? I'm always on time with payments .
Monthly net income: $
3,000
Monthly expenses: $
??Housing: $
500
??Insurance: $
40
??Car expenses: $
200
??Utilities: $
100
??Phone, cable, internet: $
50
??Food, entertainment: $
100
??Clothing, household expenses $
50
??Credit cards and other loans: $
200
??Other expenses: $
100
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
464784
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount:
| $4,500.00 |
Prosper Rating:
| AA |
Auction Duration:
| 7 days
|
Term:
| 36 months |
Estimated loss:
| 1.5% | | |
| | |
|
Starting lender yield:
| 7.30% |
Starting borrower rate/APR:
| 8.30% / 8.64% |
Starting monthly payment:
| $141.64 |
|
Auction yield range:
| 2.98% - 7.30% |
Estimated loss impact:
| 1.50% | | |
Lender servicing fee:
| 1.00% |
Estimated return:
| 5.80% | | |
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-1996 |
Debt/Income ratio:
| 27% |
Basic (1-10):
| 9 |
Inquiries last 6m:
| 0 | Employment status: | Full-time employee |
Enhanced (1-5): | 5 |
Current / open credit lines:
| 8
/
6 | Length of status: | 14y 7m |
Credit score:
| 800-819 (Jun-2010) |
Total credit lines:
| 23 |
Occupation: | Military Enlisted |
Now delinquent:
| 0 |
Revolving credit balance:
| $6,420 | 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:
| leverage-antioxidant |
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
One-time loan
Purpose of loan:
This loan will be used to?build credit and use for truck.?
My financial situation:
I am a good candidate for this loan because?I'm in the military and can set up an allotment to ensure minimum payment is made monthly.? I entend on paying this loan off in full within a few months.
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
464808
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount:
| $3,100.00 |
Prosper Rating:
| C |
Auction Duration:
| 7 days
|
Term:
| 36 months |
Estimated loss:
| 8.5% | | |
| | |
|
Starting lender yield:
| 22.56% |
Starting borrower rate/APR:
| 23.56% / 25.85% |
Starting monthly payment:
| $120.91 |
|
Auction yield range:
| 7.98% - 22.56% |
Estimated loss impact:
| 9.03% | | |
Lender servicing fee:
| 1.00% |
Estimated return:
| 13.53% | | |
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper scores:
| |
First credit line:
| Apr-2000 |
Debt/Income ratio:
| 7% |
Basic (1-10):
| 5 |
Inquiries last 6m:
| 1 | Employment status: | Full-time employee |
Enhanced (1-5): | 5 |
Current / open credit lines:
| 6
/
6 | Length of status: | 5y 0m |
Credit score:
| 780-799 (Jun-2010) |
Total credit lines:
| 10 |
Occupation: | Computer Programmer |
Now delinquent:
| 0 |
Revolving credit balance:
| $450 | Stated income: | $25,000-$49,999 |
Amount delinquent:
| $0 |
Bankcard utilization:
| 62% | | |
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| Yes | | |
Delinquencies in last 7y:
| 0 | | | | |
Screen name:
| starter343 |
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
Starting a business
Purpose of loan:
This loan will be used to cover expenses to start a business of my own.
My financial situation:
I am a good candidate for this loan because I do have a full time job over the last 5yrs and my position with my current employer is secured. Also, this should be a short term loan as I expect the business to yield profit by September and hopefully the loan will be fully paid off in November/December.
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
464814
The following information pertains to the borrower loan being requested, that corresponds to the series 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:
| 24.00% |
Starting borrower rate/APR:
| 25.00% / 27.31% |
Starting monthly payment:
| $238.56 |
|
Auction yield range:
| 16.98% - 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-1982 |
Debt/Income ratio:
| 18% |
Basic (1-10):
| 5 |
Inquiries last 6m:
| 0 | Employment status: | Full-time employee |
Enhanced (1-5): | 5 |
Current / open credit lines:
| 19
/
16 | Length of status: | 22y 0m |
Credit score:
| 760-779 (Jul-2010) |
Total credit lines:
| 52 |
Occupation: | Professional |
Now delinquent:
| 3 |
Revolving credit balance:
| $14,818 | Stated income: | $25,000-$49,999 |
Amount delinquent:
| $7,688 |
Bankcard utilization:
| 65% | | |
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| Yes | | |
Delinquencies in last 7y:
| 8 | | | | |
Screen name:
| purposeful-p2p4 |
Borrower's state:
| NorthCarolina |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Description
Pay off credit debt
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
464820
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount:
| $9,500.00 |
Prosper Rating:
| D |
Auction Duration:
| 7 days
|
Term:
| 36 months |
Estimated loss:
| 10.0% | | |
| | |
|
Starting lender yield:
| 26.38% |
Starting borrower rate/APR:
| 27.38% / 29.72% |
Starting monthly payment:
| $389.78 |
|
Auction yield range:
| 10.98% - 26.38% |
Estimated loss impact:
| 10.66% | | |
Lender servicing fee:
| 1.00% |
Estimated return:
| 15.72% | | |
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper scores:
| |
First credit line:
| Oct-1998 |
Debt/Income ratio:
| 14% |
Basic (1-10):
| 6 |
Inquiries last 6m:
| 4 | Employment status: | Full-time employee |
Enhanced (1-5): | 5 |
Current / open credit lines:
| 3
/
3 | Length of status: | 9y 1m |
Credit score:
| 760-779 (Jul-2010) |
Total credit lines:
| 17 |
Occupation: | Engineer - Electric... |
Now delinquent:
| 0 |
Revolving credit balance:
| $2,326 | Stated income: | $50,000-$74,999 |
Amount delinquent:
| $0 |
Bankcard utilization:
| 9% | | |
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| No | | |
Delinquencies in last 7y:
| 0 | | | | |
Screen name:
| liberty-orca2 |
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
PAYING OFF STUDENT LOANS
Purpose of loan:
This loan will be used to pay off to student loans?
My financial situation:
I am a good candidate for this loan because I pay all of my bills on time and have never been late on anything
Monthly net income: $ 68000yr I get paid every week
Monthly expenses: $1100
??Housing: $ 400
??Insurance: $ 80
??Car expenses: $ 250
??Utilities: $ 100
??Phone, cable, internet: $ 80
??Food, entertainment: $ 80
??Clothing, household expenses $ 50
??Credit cards and other loans: $20
??Other expenses: $ 0
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
464826
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount:
| $8,000.00 |
Prosper Rating:
| D |
Auction Duration:
| 7 days
|
Term:
| 36 months |
Estimated loss:
| 10.0% | | |
| | |
|
Starting lender yield:
| 15.25% |
Starting borrower rate/APR:
| 16.25% / 18.44% |
Starting monthly payment:
| $282.24 |
|
Auction yield range:
| 10.98% - 15.25% |
Estimated loss impact:
| 10.35% | | |
Lender servicing fee:
| 1.00% |
Estimated return:
| 4.90% | | |
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper scores:
| |
First credit line:
| Nov-1993 |
Debt/Income ratio:
| 19% |
Basic (1-10):
| 6 |
Inquiries last 6m:
| 1 | Employment status: | Full-time employee |
Enhanced (1-5): | 4 |
Current / open credit lines:
| 7
/
7 | Length of status: | 9y 4m |
Credit score:
| 760-779 (Jul-2010) |
Total credit lines:
| 20 |
Occupation: | Other |
Now delinquent:
| 0 |
Revolving credit balance:
| $12,022 | 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:
| 0 | | | | |
Screen name:
| fogline |
Borrower's state:
| Georgia |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan history | Payment history | Credit score history |
Active / total loans:
| 1 / 1 |
On-time:
| 29 ( 100% )
| 760-779 (Latest)
|
Principal borrowed:
| $3,001.00 | < 31 days late:
| 0
( 0% )
| 680-699
(Jan-2008)
740-759
(Nov-2007)
|
Principal balance:
| $704.60 |
31+ days late:
| 0
( 0% )
|
Total payments billed:
| 29 | | |
Description
Consolidate Debt into one payment
Purpose of loan:
This loan will be used to?
Consolidate my debt into one monthly payment.
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
464838
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount:
| $3,000.00 |
Prosper Rating:
| HR |
Auction Duration:
| 7 days
|
Term:
| 36 months |
Estimated loss:
| 18.0% | | |
| | |
|
Starting lender yield:
| 34.00% |
Starting borrower rate/APR:
| 35.00% / 37.45% |
Starting monthly payment:
| $135.71 |
|
Auction yield range:
| 16.98% - 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-2002 |
Debt/Income ratio:
| Not calculated |
Basic (1-10):
| 4 |
Inquiries last 6m:
| 1 | Employment status: | Part-time employee |
Enhanced (1-5): | 2 |
Current / open credit lines:
| 1
/
1 | Length of status: | 3y 1m |
Credit score:
| 640-659 (Jul-2010) |
Total credit lines:
| 5 |
Occupation: | Professional |
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:
| agreement-vinyl6 |
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
Amazon Drop Shipping Project
Purpose of loan:
SUMMARY: This loan will be used to fulfill my current Amazon.com orders while my Seller account is in the 30 day review period.
BACKGROUND & DETAILS: My current business model revolves around drop shipping customer's orders to their home after Amazon releases their payment to me. This ability requires Amazon to release customer's payments to me so that I can order the products from the supplier and have them drop ship it to their door. Periodically, Amazon "reserves" funds from being released to sellers for a period of up to 30 days, in order to review the selling account and make sure it's in compliance with Amazon seller best practices. This is standard procedure, and it typically occurs with newer or faster growing accounts. Below you'll find their note to me:
Greetings from Amazon.com
To ensure that all parties have the best experience on Amazon.com, we are conducting a review of your Amazon Selling account. During this review, your funds will be reserved in your Amazon.com Payments account for up to 30 days. Although we will delay the transfer of funds to your bank account, we will continue accepting orders for items you list for sale on Amazon.com. Once your funds have been released, you will be notified via email, and funds should arrive in your bank account within 5 business days.
Please note that this is not necessarily a negative reflection of your selling history. This action is taken regularly on newer or fast growing accounts. Veteran accounts may also undergo a review as a result of changes in listing or sales activity. Reviews such as this allow us to ensure that Amazon.com is the safest place to transact online, and ensure the trust of our buyer and seller communities going forward. This trust is an essential part of the long-term success of our third-party sellers.
Best regards,
Merchant Approval Department
http://www.amazon.com
Earth's Biggest Selection
There's currently around $2400 worth of orders held in reserve during this review process. This loan will allow me to fulfill those orders and remain in compliance with Amazon Standard Shipping guidelines. At the completion of the Merchant Approval Process, my customer funds will be released back to me on a daily basis.
Thank you for your consideration.
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
464850
The following information pertains to the borrower loan being requested, that corresponds to the series 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:
| D |
Auction Duration:
| 7 days
|
Term:
| 36 months |
Estimated loss:
| 10.0% | | |
| | |
|
Starting lender yield:
| 11.00% |
Starting borrower rate/APR:
| 12.00% / 14.13% |
Starting monthly payment:
| $249.11 |
|
Auction yield range:
| 10.98% - 11.00% |
Estimated loss impact:
| 10.23% | | |
Lender servicing fee:
| 1.00% |
Estimated return:
| 0.77% | | |
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper scores:
| |
First credit line:
| Feb-2003 |
Debt/Income ratio:
| 11% |
Basic (1-10):
| 6 |
Inquiries last 6m:
| 0 | Employment status: | Full-time employee |
Enhanced (1-5): | 5 |
Current / open credit lines:
| 3
/
2 | Length of status: | 2y 4m |
Credit score:
| 720-739 (Jul-2010) |
Total credit lines:
| 10 |
Occupation: | Executive |
Now delinquent:
| 0 |
Revolving credit balance:
| $2 | Stated income: | $25,000-$49,999 |
Amount delinquent:
| $0 |
Bankcard utilization:
| 0% | | |
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| No | | |
Delinquencies in last 7y:
| 4 | | | | |
Screen name:
| wonderful-balance9 |
Borrower's state:
| Florida |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan history | Payment history | Credit score history |
Active / total loans:
| 0 / 1 |
On-time:
| 7 ( 100% )
| 720-739 (Latest)
|
Principal borrowed:
| $2,000.00 | < 31 days late:
| 0
( 0% )
| 640-659
(Oct-2009)
640-659
(Sep-2009)
|
Principal balance:
| $0.00 |
31+ days late:
| 0
( 0% )
|
Total payments billed:
| 7 | | |
Description
Debt Consolidation & Engagement
Purpose of loan:
This loan will be used to consolidate Debt and help finance an engagement ring
My financial situation:
I am a good candidate for this loan because I pay all my bills on time and I have already paid off a prosper loan and I have improved my credit score more than 60 points?since my last loan?
Monthly net income: $ 2700
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
464856
The following information pertains to the borrower loan being requested, that corresponds to the series 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:
| 2.98% - 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:
| Nov-1989 |
Debt/Income ratio:
| 11% |
Basic (1-10):
| 10 |
Inquiries last 6m:
| 0 | Employment status: | Full-time employee |
Enhanced (1-5): | 5 |
Current / open credit lines:
| 8
/
8 | Length of status: | 3y 4m |
Credit score:
| 800-819 (Jul-2010) |
Total credit lines:
| 35 |
Occupation: | Professional |
Now delinquent:
| 0 |
Revolving credit balance:
| $37,053 | Stated income: | $100,000+ |
Amount delinquent:
| $0 |
Bankcard utilization:
| 55% | | |
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| Yes | | |
Delinquencies in last 7y:
| 0 | | | | |
Screen name:
| understanding-greenback5 |
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
1st time on Prosper-Paying off CCs
Purpose of loan:
This loan will be used?to pay down credit card dept.?
My financial situation:
I am a good candidate for this loan because I always pay my debts, have never been unemployeed, have a good stable job, a house, and family.? This is my first time on Prosper so I wanted to start with a small loan to get familiar with the process and system.? I will, ultimately, consolidate all my credit card dept to eliminate them completely.?
I earn enough to pay down the credit cards now but with their interest rates it would take me many years, so I'm looking for a better deal to eliminate the debt and start fresh.
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
464868
The following information pertains to the borrower loan being requested, that corresponds to the series 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:
| 16.98% - 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-1989 |
Debt/Income ratio:
| 32% |
Basic (1-10):
| 5 |
Inquiries last 6m:
| 6 | Employment status: | Full-time employee |
Enhanced (1-5): | 1 |
Current / open credit lines:
| 18
/
17 | Length of status: | 17y 2m |
Credit score:
| 680-699 (Jul-2010) |
Total credit lines:
| 61 |
Occupation: | Other |
Now delinquent:
| 1 |
Revolving credit balance:
| $190,681 | Stated income: | $50,000-$74,999 |
Amount delinquent:
| $797 |
Bankcard utilization:
| 98% | | |
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| Yes | | |
Delinquencies in last 7y:
| 0 | | | | |
Screen name:
| finance-sunrise420 |
Borrower's state:
| California |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Description
paying off credit cards
Purpose of loan:
This loan will be used to consolidate my debt and start anew by establishing a good credit history and become a more savvy and responsible consumer
My financial situation:
I am a good candidate for this loan because I have held a steady job for over 17 years, with no history of lay offs or demotions
Monthly net income: $ 4000
Monthly expenses: $
??Housing: $ 1200
??Insurance: $ 150
??Car expenses: $ 100
??Utilities: $ 30
??Phone, cable, internet: $ 125
??Food, entertainment: $ 100
??Clothing, household expenses $ 100
??Credit cards and other loans: $ 100
??Other expenses: $ 0
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
464886
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount:
| $5,000.00 |
Prosper Rating:
| D |
Auction Duration:
| 7 days
|
Term:
| 36 months |
Estimated loss:
| 10.0% | | |
| | |
|
Starting lender yield:
| 26.38% |
Starting borrower rate/APR:
| 27.38% / 29.72% |
Starting monthly payment:
| $205.15 |
|
Auction yield range:
| 10.98% - 26.38% |
Estimated loss impact:
| 10.66% | | |
Lender servicing fee:
| 1.00% |
Estimated return:
| 15.72% | | |
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper scores:
| |
First credit line:
| Jan-1996 |
Debt/Income ratio:
| 27% |
Basic (1-10):
| 8 |
Inquiries last 6m:
| 2 | Employment status: | Full-time employee |
Enhanced (1-5): | 2 |
Current / open credit lines:
| 14
/
13 | Length of status: | 2y 11m |
Credit score:
| 680-699 (Jul-2010) |
Total credit lines:
| 53 |
Occupation: | Nurse (RN) |
Now delinquent:
| 0 |
Revolving credit balance:
| $85,593 | Stated income: | $75,000-$99,999 |
Amount delinquent:
| $0 |
Bankcard utilization:
| 95% | | |
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| Yes | | |
Delinquencies in last 7y:
| 0 | | | | |
Screen name:
| riveting-interest5 |
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 unexpected bills
Hello lenders! I am a nursing instructor and make very good money. I have a new dog who broke his leg and has a lot of vet bills. I also have a lot of student loans and credit card debt accrued while I work on my doctorate. I am never late on my credit cards or mortgage and plan to pay this loan off in a few months. Please consider me for this low amount loan.
Thanks!
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
460003
The following information pertains to the borrower loan being requested, that corresponds to the series 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:
| 28.00% |
Starting borrower rate/APR:
| 29.00% / 31.36% |
Starting monthly payment:
| $377.15 |
|
Auction yield range:
| 16.98% - 28.00% |
Estimated loss impact:
| 19.63% | | |
Lender servicing fee:
| 1.00% |
Estimated return:
| 8.37% | | |
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:
| 28% |
Basic (1-10):
| 5 |
Inquiries last 6m:
| 2 | Employment status: | Full-time employee |
Enhanced (1-5): | 4 |
Current / open credit lines:
| 17
/
10 | Length of status: | 16y 2m |
Credit score:
| 760-779 (Jul-2010) |
Total credit lines:
| 27 |
Occupation: | Retail Management |
Now delinquent:
| 0 |
Revolving credit balance:
| $5,374 | 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:
| cfinna8 |
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.
Prosper Activity
Loan history | Payment history | Credit score history |
Active / total loans:
| 0 / 3 |
On-time:
| 60 ( 100% )
| 760-779 (Latest)
|
Principal borrowed:
| $22,901.00 | < 31 days late:
| 0
( 0% )
| 600-619
(Dec-2009)
600-619
(Oct-2009)
600-619
(Sep-2009)
600-619
(Aug-2009)
|
Principal balance:
| $0.00 |
31+ days late:
| 0
( 0% )
|
Total payments billed:
| 60 | | |
Description
4th Prosper Loan
Purpose of loan:
This loan will be used to? Pay off Some debt and Home improvement
My financial situation:
I am a good candidate for this loan because? This will be my 4th Prosper Loan
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
463267
The following information pertains to the borrower loan being requested, that corresponds to the series 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:
| $9,600.00 |
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:
| $434.27 |
|
Auction yield range:
| 16.98% - 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-1998 |
Debt/Income ratio:
| Not calculated |
Basic (1-10):
| 4 |
Inquiries last 6m:
| 1 | Employment status: | Full-time employee |
Enhanced (1-5): | 4 |
Current / open credit lines:
| 14
/
13 | Length of status: | 4y 8m |
Credit score:
| 740-759 (Jun-2010) |
Total credit lines:
| 41 |
Occupation: | Other |
Now delinquent:
| 0 |
Revolving credit balance:
| $5,064 | Stated income: | $25,000-$49,999 |
Amount delinquent:
| $0 |
Bankcard utilization:
| 15% | | |
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| No | | |
Delinquencies in last 7y:
| 0 | | | | |
Screen name:
| responsive-asset7 |
Borrower's state:
| Illinois |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Description
My freedom
Purpose of loan:
This loan will be used to clear up my final bit of debt
My financial situation:
I am a good candidate for this loan because i always pay on time
Monthly net income: $ 1700.00
Monthly expenses: $1001.03
??Housing: $ 0
??Insurance: $ 78
??Car expenses: $60.00
??Utilities: $
??Phone, cable, internet: $ 235.00
??Food, entertainment: $
??Clothing, household expenses $ 50.00
??Credit cards and other loans: $ 234.03????
??Other expenses: $ 179.
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
463525
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount:
| $4,500.00 |
Prosper Rating:
| HR |
Auction Duration:
| 7 days
|
Term:
| 36 months |
Estimated loss:
| 18.0% | | |
| | |
|
Starting lender yield:
| 29.00% |
Starting borrower rate/APR:
| 30.00% / 32.38% |
Starting monthly payment:
| $191.03 |
|
Auction yield range:
| 16.98% - 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:
| Jan-1996 |
Debt/Income ratio:
| 18% |
Basic (1-10):
| 3 |
Inquiries last 6m:
| 0 | Employment status: | Retired |
Enhanced (1-5): | 2 |
Current / open credit lines:
| 3
/
2 | Length of status: | 11y 8m |
Credit score:
| 700-719 (Jun-2010) |
Total credit lines:
| 22 | Stated income: | $25,000-$49,999 |
Now delinquent:
| 1 |
Revolving credit balance:
| $0 | |
Amount delinquent:
| $37 |
Bankcard utilization:
| 0% | | |
Public records last 12m / 10y:
| 0/ 1 |
Homeownership:
| Yes | | |
Delinquencies in last 7y:
| 1 | | | | |
Screen name:
| orange-market-flan |
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
Loan for my son's education
Purpose of loan:
This loan will be used to purchase a new macbook for my son as well as additional student expenses.
My financial situation:
I am a good candidate for this loan because I have a stable income that allows me to pay off all my monthly expenses comfortably. An additional?loan payment would not make it difficult to pay my expenses.
Monthly net income: $ 3335.00
Monthly expenses: $
??Housing: $ 1042.00
??Insurance: $ 266.90
??Utilities: $ 200.00
??Phone, cable, internet: $ 200.00
??Food, entertainment: $ 300.00
??Clothing, household expenses $ 100.00
??Credit cards and other loans: $ 0.00
??Other expenses: 50$
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
463649
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount:
| $9,500.00 |
Prosper Rating:
| AA |
Auction Duration:
| 7 days
|
Term:
| 36 months |
Estimated loss:
| 1.5% | | |
| | |
|
Starting lender yield:
| 8.43% |
Starting borrower rate/APR:
| 9.43% / 9.77% |
Starting monthly payment:
| $304.00 |
|
Auction yield range:
| 2.98% - 8.43% |
Estimated loss impact:
| 1.50% | | |
Lender servicing fee:
| 1.00% |
Estimated return:
| 6.93% | | |
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:
| Mar-1998 |
Debt/Income ratio:
| 12% |
Basic (1-10):
| 7 |
Inquiries last 6m:
| 2 | Employment status: | Full-time employee |
Enhanced (1-5): | 5 |
Current / open credit lines:
| 9
/
8 | Length of status: | 7y 1m |
Credit score:
| 820-839 (Jun-2010) |
Total credit lines:
| 33 |
Occupation: | Professor |
Now delinquent:
| 0 |
Revolving credit balance:
| $3,824 | Stated income: | $100,000+ |
Amount delinquent:
| $0 |
Bankcard utilization:
| 13% | | |
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| Yes | | |
Delinquencies in last 7y:
| 0 | | | | |
Screen name:
| Proffesork |
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 home improvement
Purpose of loan:
This loan will be used to? to make some much needed improvements to our home without taking out a HELOC
My financial situation:
I am a good candidate for this loan because? I have never defaulted on a loan and i am in good shape with home and fulltime tenured at the college.
Monthly net income: $
12,300
Monthly expenses: $
??Housing: $ 1800
??Insurance: $ 120
??Car expenses: $ 336
??Utilities: $ 150
??Phone, cable, internet: $ 250
??Food, entertainment: $ 500
??Clothing, household expenses $ 150
??Credit cards and other loans: $ 100
??Other expenses: $
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
463959
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount:
| $4,000.00 |
Prosper Rating:
| HR |
Auction Duration:
| 7 days
|
Term:
| 36 months |
Estimated loss:
| 18.0% | | |
| | |
|
Starting lender yield:
| 34.00% |
Starting borrower rate/APR:
| 35.00% / 37.45% |
Starting monthly payment:
| $180.94 |
|
Auction yield range:
| 16.98% - 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-2003 |
Debt/Income ratio:
| Self-employed (DTI Not Calculated) |
Basic (1-10):
| 5 |
Inquiries last 6m:
| 2 | Employment status: | Self-employed |
Enhanced (1-5): | 4 |
Current / open credit lines:
| 10
/
9 | Length of status: | 3y 5m |
Credit score:
| 680-699 (Jun-2010) |
Total credit lines:
| 24 |
Occupation: | Other |
Now delinquent:
| 0 |
Revolving credit balance:
| $12,316 | 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:
| responsibility-detective3 |
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
Upgrade Software
Purpose of loan:
This loan will be used to upgrade software on my computers.
My financial situation: Stable
I am a good candidate for this loan because I always did and will pay back.
Monthly net income: $5-10k
Monthly expenses: $ 4170
??Housing: $1600
??Insurance: $ 200
??Car expenses: $ 200
??Utilities: $ 300
??Phone, cable, internet: $270
??Food, entertainment: $ 400
??Clothing, household expenses $ 400
??Credit cards and other loans: $ 300
??Other expenses: $ 500
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
464353
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount:
| $12,000.00 |
Prosper Rating:
| HR |
Auction Duration:
| 7 days
|
Term:
| 36 months |
Estimated loss:
| 18.0% | | |
| | |
|
Starting lender yield:
| 34.00% |
Starting borrower rate/APR:
| 35.00% / 37.45% |
Starting monthly payment:
| $542.83 |
|
Auction yield range:
| 16.98% - 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-1991 |
Debt/Income ratio:
| 44% |
Basic (1-10):
| 4 |
Inquiries last 6m:
| 0 | Employment status: | Full-time employee |
Enhanced (1-5): | 4 |
Current / open credit lines:
| 18
/
14 | Length of status: | 12y 8m |
Credit score:
| 700-719 (Jun-2010) |
Total credit lines:
| 50 |
Occupation: | Food Service |
Now delinquent:
| 1 |
Revolving credit balance:
| $14,687 | Stated income: | $25,000-$49,999 |
Amount delinquent:
| $2,413 |
Bankcard utilization:
| 59% | | |
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| Yes | | |
Delinquencies in last 7y:
| 0 | | | | |
Screen name:
| mindful-dinero |
Borrower's state:
| California |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Description
paying off my credit cards
Purpose of loan:
This loan will be used to?
debt consolidation
My financial situation:
I am a good candidate for this loan because?
i'm an honest person,
Monthly net income: $ 2500
Monthly expenses: $
??Housing: $ 615
??Insurance: $
??Car expenses: $ 50
??Utilities: $ 50
??Phone, cable, internet: $ 50
??Food, entertainment: $ 75
??Clothing, household expenses $ 50
??Credit cards and other loans: $ 500
??Other expenses: $
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
464507
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount:
| $4,000.00 |
Prosper Rating:
| HR |
Auction Duration:
| 7 days
|
Term:
| 36 months |
Estimated loss:
| 18.0% | | |
| | |
|
Starting lender yield:
| 34.00% |
Starting borrower rate/APR:
| 35.00% / 37.45% |
Starting monthly payment:
| $180.94 |
|
Auction yield range:
| 16.98% - 34.00% |
Estimated loss impact:
| 20.01% | | |
Lender servicing fee:
| 1.00% |
Estimated return:
| 13.99% | | |
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper scores:
| |
First credit line:
| Apr-2000 |
Debt/Income ratio:
| 25% |
Basic (1-10):
| 5 |
Inquiries last 6m:
| 0 | Employment status: | Full-time employee |
Enhanced (1-5): | 5 |
Current / open credit lines:
| 14
/
10 | Length of status: | 10y 10m |
Credit score:
| 640-659 (Jun-2010) |
Total credit lines:
| 31 |
Occupation: | Military Enlisted |
Now delinquent:
| 0 |
Revolving credit balance:
| $7,172 | Stated income: | $25,000-$49,999 |
Amount delinquent:
| $0 |
Bankcard utilization:
| 50% | | |
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| Yes | | |
Delinquencies in last 7y:
| 1 | | | | |
Screen name:
| determined-p2p5 |
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
Family Reunion Plan
Purpose of loan:
This loan will be used?to pay off my auto loan and help me be able to go to my?family reunion.?
My financial situation:
I am a good candidate for this loan because I have consistantly paid off all my loans in the last 10 years without any issues or lateness.?
Monthly net income: $3,000
Monthly expenses: $
??Housing: Own $700 husband pays
?Life?Insurance: $ 122.25
??Car expenses: $ 500.00 ($3,000 remaining)
??Utilities: $ 200
??Phone, cable, internet: $?150.00
??Food, entertainment: $ 200.00
??Clothing, household expenses $ 100.00
??Credit cards and other loans: $ 200.00
??Other expenses: $ 100.00
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
464513
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount:
| $7,000.00 |
Prosper Rating:
| B |
Auction Duration:
| 7 days
|
Term:
| 36 months |
Estimated loss:
| 5.0% | | |
| | |
|
Starting lender yield:
| 12.85% |
Starting borrower rate/APR:
| 13.85% / 16.01% |
Starting monthly payment:
| $238.73 |
|
Auction yield range:
| 5.98% - 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:
| Apr-1994 |
Debt/Income ratio:
| 26% |
Basic (1-10):
| 8 |
Inquiries last 6m:
| 1 | Employment status: | Full-time employee |
Enhanced (1-5): | 4 |
Current / open credit lines:
| 9
/
9 | Length of status: | 17y 3m |
Credit score:
| 720-739 (Jun-2010) |
Total credit lines:
| 26 |
Occupation: | Other |
Now delinquent:
| 0 |
Revolving credit balance:
| $17,378 | Stated income: | $25,000-$49,999 |
Amount delinquent:
| $0 |
Bankcard utilization:
| 54% | | |
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| Yes | | |
Delinquencies in last 7y:
| 0 | | | | |
Screen name:
| priceless-balance8 |
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
pay off credit cards
Purpose of loan:
This loan will be used to consolidate?credit card.?
My financial situation:
I am a good candidate for this loan because I pay all of my bills ontime and have a excellent credit score.
Monthly net income: $ 2400.00
Monthly expenses: $
??Housing: $ 1023.00
??Insurance: $ 300.00
??Car expenses: $
??Utilities: $?240.00
??Phone, cable, internet: $ 150.00
??Food, entertainment: $ 200.00
??Clothing, household expenses $ 150.00
??Credit cards and other loans: $ 400.00
??Other expenses: $
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
464525
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount:
| $4,500.00 |
Prosper Rating:
| C |
Auction Duration:
| 7 days
|
Term:
| 36 months |
Estimated loss:
| 8.5% | | |
| | |
|
Starting lender yield:
| 9.00% |
Starting borrower rate/APR:
| 10.00% / 12.11% |
Starting monthly payment:
| $145.20 |
|
Auction yield range:
| 7.98% - 9.00% |
Estimated loss impact:
| 8.68% | | |
Lender servicing fee:
| 1.00% |
Estimated return:
| 0.32% | | |
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-1979 |
Debt/Income ratio:
| Self-employed (DTI Not Calculated) |
Basic (1-10):
| 5 |
Inquiries last 6m:
| 2 | Employment status: | Self-employed |
Enhanced (1-5): | 2 |
Current / open credit lines:
| 6
/
6 | Length of status: | 8y 0m |
Credit score:
| 780-799 (Jun-2010) |
Total credit lines:
| 14 |
Occupation: | Professional |
Now delinquent:
| 1 |
Revolving credit balance:
| $2,750 | Stated income: | $100,000+ |
Amount delinquent:
| $1,126 |
Bankcard utilization:
| 5% | | |
Public records last 12m / 10y:
| 0/ 2 |
Homeownership:
| No | | |
Delinquencies in last 7y:
| 3 | | | | |
Screen name:
| scrappy-p2ploan5 |
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
business expansion
Purpose of loan:
This loan will be used to expand product line to include medical billing service
My financial situation:
I am a good candidate for this loan because in business for past 5? yrs in 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
464531
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount:
| $2,000.00 |
Prosper Rating:
| C |
Auction Duration:
| 7 days
|
Term:
| 36 months |
Estimated loss:
| 8.0% | | |
| | |
|
Starting lender yield:
| 21.68% |
Starting borrower rate/APR:
| 22.68% / 24.95% |
Starting monthly payment:
| $77.09 |
|
Auction yield range:
| 7.98% - 21.68% |
Estimated loss impact:
| 8.51% | | |
Lender servicing fee:
| 1.00% |
Estimated return:
| 13.17% | | |
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper scores:
| |
First credit line:
| Oct-1992 |
Debt/Income ratio:
| 23% |
Basic (1-10):
| 8 |
Inquiries last 6m:
| 1 | Employment status: | Full-time employee |
Enhanced (1-5): | 3 |
Current / open credit lines:
| 4
/
3 | Length of status: | 5y 0m |
Credit score:
| 700-719 (Jun-2010) |
Total credit lines:
| 24 |
Occupation: | Sales - Commission |
Now delinquent:
| 1 |
Revolving credit balance:
| $336 | Stated income: | $25,000-$49,999 |
Amount delinquent:
| $0 |
Bankcard utilization:
| 22% | | |
Public records last 12m / 10y:
| 0/ 4 |
Homeownership:
| Yes | | |
Delinquencies in last 7y:
| 19 | | | | |
Screen name:
| friendly-silver1 |
Borrower's state:
| Alabama |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Description
home improvement
Purpose of loan:
This loan will be used to?
remodel kitchen
My financial situation:
My wife had brain surgery in 2006.? I've been paying all the bills with help from family,? My family have been helping me for the past four years,? I promised my wife before the surgery that we will get the kitchen remodled.? Things has gotten better.? I need this loan so i can do this for her.
Monthly net income: $ 2500
Monthly expenses: $
??Housing: $ 750
??Insurance: $ 70
??Car expenses: $ 389
??Utilities: $ 185
??Phone, cable, internet: $ 0 (work for cable company)
??Food, entertainment: $ 100
??Clothing, household expenses $ 100
??Credit cards and other loans: $
??Other expenses: $
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
464549
The following information pertains to the borrower loan being requested, that corresponds to the series 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:
| AA |
Auction Duration:
| 7 days
|
Term:
| 36 months |
Estimated loss:
| 1.5% | | |
| | |
|
Starting lender yield:
| 7.30% |
Starting borrower rate/APR:
| 8.30% / 8.64% |
Starting monthly payment:
| $188.85 |
|
Auction yield range:
| 2.98% - 7.30% |
Estimated loss impact:
| 1.50% | | |
Lender servicing fee:
| 1.00% |
Estimated return:
| 5.80% | | |
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-1989 |
Debt/Income ratio:
| 20% |
Basic (1-10):
| 9 |
Inquiries last 6m:
| 0 | Employment status: | Full-time employee |
Enhanced (1-5): | 5 |
Current / open credit lines:
| 11
/
11 | Length of status: | 11y 7m |
Credit score:
| 820-839 (Jun-2010) |
Total credit lines:
| 30 |
Occupation: | Other |
Now delinquent:
| 0 |
Revolving credit balance:
| $16,287 | Stated income: | $50,000-$74,999 |
Amount delinquent:
| $0 |
Bankcard utilization:
| 29% | | |
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| Yes | | |
Delinquencies in last 7y:
| 0 | | | | |
Screen name:
| community-honker |
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
roof replacement for parents home
Purpose of loan: to replace roof
This loan will be used to?replace the roof on my parents home in Oregon. I purchased this home for them 8 years ago.
I have the income to pay off this loan within 36 months or less. I do not have the ability to pay a lump sum now.
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
464555
The following information pertains to the borrower loan being requested, that corresponds to the series 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:
| 10.98% - 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-2004 |
Debt/Income ratio:
| Not calculated |
Basic (1-10):
| 7 |
Inquiries last 6m:
| 2 | Employment status: | Full-time employee |
Enhanced (1-5): | 5 |
Current / open credit lines:
| 13
/
12 | Length of status: | 4y 11m |
Credit score:
| 720-739 (Jun-2010) |
Total credit lines:
| 16 |
Occupation: | Sales - Commission |
Now delinquent:
| 0 |
Revolving credit balance:
| $11,899 | Stated income: | $25,000-$49,999 |
Amount delinquent:
| $0 |
Bankcard utilization:
| 23% | | |
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| No | | |
Delinquencies in last 7y:
| 0 | | | | |
Screen name:
| enthusiastic-peso |
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 Debt
Purpose of loan:
This loan will be used to pay off my credit card debt.
My financial situation:
I am a good candidate for this loan because i pay eveything on time, never late. I should be an AA or at least an A lol.. within 6 months i should be able to pay it off.
Monthly net income: $
3000 after everything is paid for.
Monthly expenses: $
??Housing: $ 300
??Insurance: $ 50
??Car expenses: $
??Utilities: $
??Phone, cable, internet: $ 60
??Food, entertainment: $ 100
??Clothing, household expenses $
??Credit cards and other loans: $ 50
??Other expenses: $
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
464567
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount:
| $19,720.00 |
Prosper Rating:
| D |
Auction Duration:
| 7 days
|
Term:
| 36 months |
Estimated loss:
| 10.0% | | |
| | |
|
Starting lender yield:
| 11.98% |
Starting borrower rate/APR:
| 12.98% / 15.12% |
Starting monthly payment:
| $664.25 |
|
Auction yield range:
| 10.98% - 11.98% |
Estimated loss impact:
| 10.26% | | |
Lender servicing fee:
| 1.00% |
Estimated return:
| 1.72% | | |
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper scores:
| |
First credit line:
| Jul-1994 |
Debt/Income ratio:
| 35% |
Basic (1-10):
| 6 |
Inquiries last 6m:
| 0 | Employment status: | Full-time employee |
Enhanced (1-5): | 4 |
Current / open credit lines:
| 17
/
16 | Length of status: | 1y 4m |
Credit score:
| 740-759 (Jun-2010) |
Total credit lines:
| 38 |
Occupation: | Professional |
Now delinquent:
| 0 |
Revolving credit balance:
| $72,223 | Stated income: | $100,000+ |
Amount delinquent:
| $0 |
Bankcard utilization:
| 93% | | |
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| Yes | | |
Delinquencies in last 7y:
| 0 | | | | |
Screen name:
| IT_Professional |
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 high interest Sears card
Purpose of loan:
This loan will be used to pay off high interest Sears credit card
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
464573
The following information pertains to the borrower loan being requested, that corresponds to the series 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:
| $4,805.00 |
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:
| $194.24 |
|
Auction yield range:
| 10.98% - 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:
| Mar-1993 |
Debt/Income ratio:
| 14% |
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: | 11y 9m |
Credit score:
| 720-739 (Jun-2010) |
Total credit lines:
| 29 |
Occupation: | Professional |
Now delinquent:
| 0 |
Revolving credit balance:
| $10,591 | Stated income: | $75,000-$99,999 |
Amount delinquent:
| $0 |
Bankcard utilization:
| 92% | | |
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| Yes | | |
Delinquencies in last 7y:
| 0 | | | | |
Screen name:
| bold-moola-kitten |
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
Wanted: Freedom From Credit Cards!
Purpose of loan:
Because we've had the cards for so long we've become accustomed to using them.? Unfortunately, that means we can't seem to get ahead in paying them off now because of the high interest rates!? My wife and I are ready to be debt free and out from under the heavy burden of credit card debt.? Realizing we have a high credit to debt ratio, we are actively seeking ways to reduce debt, increase our credit score and rating, and ultimately gain some much needed financial freedom.? Because we have 1 kid in college and 2 more heading that way in the next 3 years, we are struggling with minimum payments which get us nowhere.? We are asking for some low interest loan help to afford us the opportunity to get out from under the credit cards and leave them behind for good!? We're hoping that this is just the first step in that direction.
My financial situation:
We are very prompt with and very aware of our financial responsibilities.? Our bills are ALWAYS paid on time and in full.??My job is very secure and I have been promoted 3 times in the last 7 years, now in a?Customer Support Manager's role with a?highly respected and reputable jet engine and power systems manufacturer.? My wife is a?homemaker who?manages the finances down to the penny.? We are honest, dependable, and loyal people.??
Monthly net income: $ 4446
Monthly expenses: $
??Housing: $ 1500
??Insurance: $ 119
??Car expenses: $?563
??Utilities: $?400
??Phone, cable, internet: $ 95
??Food, entertainment: $450
??Clothing, household expenses $ 150
??Credit cards and other loans: $?670
??Other expenses: $320
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
464585
The following information pertains to the borrower loan being requested, that corresponds to the series 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:
| A |
Auction Duration:
| 7 days
|
Term:
| 36 months |
Estimated loss:
| 2.1% | | |
| | |
|
Starting lender yield:
| 8.20% |
Starting borrower rate/APR:
| 9.20% / 11.53% |
Starting monthly payment:
| $47.84 |
|
Auction yield range:
| 3.98% - 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:
| Dec-1981 |
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:
| 7
/
7 | Length of status: | 3y 3m |
Credit score:
| 720-739 (Jul-2010) |
Total credit lines:
| 25 |
Occupation: | Other |
Now delinquent:
| 2 |
Revolving credit balance:
| $4,583 | Stated income: | $25,000-$49,999 |
Amount delinquent:
| $26,931 |
Bankcard utilization:
| 25% | | |
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| No | | |
Delinquencies in last 7y:
| 46 | | | | |
Screen name:
| tci432ml |
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
Need help with my business
Purpose of loan:
This loan will be used to?
My financial situation:
I am a good candidate for this loan because?
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
464591
The following information pertains to the borrower loan being requested, that corresponds to the series 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:
| 3.98% - 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:
| Aug-1987 |
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:
| 19
/
17 | Length of status: | 8y 1m |
Credit score:
| 760-779 (Jun-2010) |
Total credit lines:
| 38 |
Occupation: | Other |
Now delinquent:
| 0 |
Revolving credit balance:
| $30,475 | Stated income: | $50,000-$74,999 |
Amount delinquent:
| $0 |
Bankcard utilization:
| 38% | | |
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| Yes | | |
Delinquencies in last 7y:
| 0 | | | | |
Screen name:
| sing-bach |
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 off credit cards lower interest
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
464597
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount:
| $10,000.00 |
Prosper Rating:
| HR |
Auction Duration:
| 7 days
|
Term:
| 36 months |
Estimated loss:
| 18.0% | | |
| | |
|
Starting lender yield:
| 34.00% |
Starting borrower rate/APR:
| 35.00% / 37.45% |
Starting monthly payment:
| $452.36 |
|
Auction yield range:
| 16.98% - 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-2000 |
Debt/Income ratio:
| Self-employed (DTI Not Calculated) |
Basic (1-10):
| 5 |
Inquiries last 6m:
| 0 | Employment status: | Self-employed |
Enhanced (1-5): | 5 |
Current / open credit lines:
| 10
/
10 | Length of status: | 6y 4m |
Credit score:
| 680-699 (Jul-2010) |
Total credit lines:
| 12 |
Occupation: | Principal |
Now delinquent:
| 0 |
Revolving credit balance:
| $22,074 | Stated income: | $100,000+ |
Amount delinquent:
| $0 |
Bankcard utilization:
| 63% | | |
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| No | | |
Delinquencies in last 7y:
| 0 | | | | |
Screen name:
| loan-magma |
Borrower's state:
| NewYork |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Description
BUSINESS INVESTMENT
Purpose of loan:
This loan will be used to?
Service Business
My financial situation:
I am a good candidate for this loan because?
www.atpsi.com
We are a full service commercial and residential property service company. We deal in construction,design, and facility monthly maintenance contracts. We are located in Rockafella Center NYC and are a company with lots of promise
Monthly net income: $
50K
Monthly expenses: $
??Housing: $ 1,200.00
??Insurance: $ 300.00
??Car expenses: $ 450.00
??Utilities: $ 230.00
??Phone, cable, internet: $ 60.00
??Food, entertainment: $?500.00
??Clothing, household expenses $ 450.00
??Credit cards and other loans: $ 1000.00
??Other expenses: $ 500.00
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
464609
The following information pertains to the borrower loan being requested, that corresponds to the series 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:
| 7.00% |
Starting borrower rate/APR:
| 8.00% / 10.08% |
Starting monthly payment:
| $219.35 |
|
Auction yield range:
| 3.98% - 7.00% |
Estimated loss impact:
| 2.11% | | |
Lender servicing fee:
| 1.00% |
Estimated return:
| 4.89% | | |
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper scores:
| |
First credit line:
| Nov-1997 |
Debt/Income ratio:
| 13% |
Basic (1-10):
| 9 |
Inquiries last 6m:
| 0 | Employment status: | Full-time employee |
Enhanced (1-5): | 5 |
Current / open credit lines:
| 12
/
10 | Length of status: | 4y 1m |
Credit score:
| 740-759 (Jul-2010) |
Total credit lines:
| 30 |
Occupation: | Professional |
Now delinquent:
| 0 |
Revolving credit balance:
| $14,513 | Stated income: | $50,000-$74,999 |
Amount delinquent:
| $0 |
Bankcard utilization:
| 33% | | |
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| No | | |
Delinquencies in last 7y:
| 0 | | | | |
Screen name:
| FutureLenderEC |
Borrower's state:
| Virginia |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan history | Payment history | Credit score history |
Active / total loans:
| 1 / 2 |
On-time:
| 21 ( 100% )
| 740-759 (Latest)
|
Principal borrowed:
| $12,000.00 | < 31 days late:
| 0
( 0% )
| 720-739
(Nov-2009)
720-739
(May-2008)
|
Principal balance:
| $3,013.65 |
31+ days late:
| 0
( 0% )
|
Total payments billed:
| 21 | | |
Description
Paying off High Interest CCs
Purpose of loan:
Pay off 2 credit cards which have now raised the Interest Rate due to the new government legislation... This is unfair since I have the 2 accounts in good standing with no late payments!!!..
My financial situation:
I have a steady job and stable income. I also own an online business which generates enough income to pay this loan in case of unemployment.
Bid with confidence as this is my third loan with prosper and all are in good standing with excellent payment record!!
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
464617
The following information pertains to the borrower loan being requested, that corresponds to the series 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:
| E |
Auction Duration:
| 7 days
|
Term:
| 36 months |
Estimated loss:
| 14.0% | | |
| | |
|
Starting lender yield:
| 33.28% |
Starting borrower rate/APR:
| 34.28% / 36.72% |
Starting monthly payment:
| $134.49 |
|
Auction yield range:
| 13.98% - 33.28% |
Estimated loss impact:
| 15.53% | | |
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:
| Dec-1998 |
Debt/Income ratio:
| 20% |
Basic (1-10):
| 6 |
Inquiries last 6m:
| 1 | Employment status: | Full-time employee |
Enhanced (1-5): | 3 |
Current / open credit lines:
| 17
/
17 | Length of status: | 15y 7m |
Credit score:
| 660-679 (Jul-2010) |
Total credit lines:
| 29 |
Occupation: | Engineer - Chemical |
Now delinquent:
| 0 |
Revolving credit balance:
| $52,852 | Stated income: | $100,000+ |
Amount delinquent:
| $0 |
Bankcard utilization:
| 99% | | |
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| Yes | | |
Delinquencies in last 7y:
| 0 | | | | |
Screen name:
| dignified-cash9 |
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
Paying off higher interest cards
Purpose of loan:
This loan to?be used to? to pay off some of my higher interest rate cc.
My financial situation:
I am a good candidate for this loan because? I do have a high income. Most of my utilization on cc comes from building our new house that we moved into a yr ago.? My wife just recently went back to work full time after being home raising our children for 7 yrs, to help pay things off faster. We have used the cc more during the building process but want all of them paid off withing the next 2 yrs. I do work alot of ot at the plant I work at.
Monthly net income: $ 14,000
Monthly expenses: $
??Housing: $ 2000
??Insurance: $ 200
??Car expenses: $ 850
??Utilities: $?500
??Phone, cable, internet: $ 150
??Food, entertainment: $ 100
??Clothing, household expenses $
??Credit cards and other loans: $ 1200
??Other expenses: $
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
464621
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount:
| $1,500.00 |
Prosper Rating:
| C |
Auction Duration:
| 7 days
|
Term:
| 36 months |
Estimated loss:
| 6.5% | | |
| | |
|
Starting lender yield:
| 25.25% |
Starting borrower rate/APR:
| 26.25% / 28.84% |
Starting monthly payment:
| $60.64 |
|
Auction yield range:
| 7.98% - 25.25% |
Estimated loss impact:
| 7.10% | | |
Lender servicing fee:
| 1.00% |
Estimated return:
| 18.15% | | |
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-1997 |
Debt/Income ratio:
| 15% |
Basic (1-10):
| 9 |
Inquiries last 6m:
| 0 | Employment status: | Full-time employee |
Enhanced (1-5): | 5 |
Current / open credit lines:
| 10
/
8 | Length of status: | 6y 8m |
Credit score:
| 640-659 (Jul-2010) |
Total credit lines:
| 13 |
Occupation: | Professional |
Now delinquent:
| 0 |
Revolving credit balance:
| $3,281 | Stated income: | $25,000-$49,999 |
Amount delinquent:
| $0 |
Bankcard utilization:
| 88% | | |
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| No | | |
Delinquencies in last 7y:
| 0 | | | | |
Screen name:
| fulfilling-currency2 |
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:
This loan will be used to? consolidate debt
My financial situation:
I am a good candidate for this loan because? I have been steadily employed for eight years and seven years with my current employer.? I have worked hard to keep all my credit cards and student loans in good standing and have no delinquent accounts.?
Monthly net income: $ 2000
Monthly expenses: $
??Housing: $ 0
??Insurance: $ 40.00
??Car expenses: $ routine maintainence, gas= approx 75.00
??Utilities: $ 80.00
??Phone, cable, internet: $?25.00
??Food, entertainment: $ 250.00
??Clothing, household expenses $ 100.00
??Credit cards and other loans: $ 200.00
??Other expenses: $ 0
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
464623
The following information pertains to the borrower loan being requested, that corresponds to the series 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:
| AA |
Auction Duration:
| 7 days
|
Term:
| 36 months |
Estimated loss:
| 1.5% | | |
| | |
|
Starting lender yield:
| 10.00% |
Starting borrower rate/APR:
| 11.00% / 11.35% |
Starting monthly payment:
| $327.39 |
|
Auction yield range:
| 2.98% - 10.00% |
Estimated loss impact:
| 1.51% | | |
Lender servicing fee:
| 1.00% |
Estimated return:
| 8.49% | | |
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper scores:
| |
First credit line:
| Apr-1989 |
Debt/Income ratio:
| 85% |
Basic (1-10):
| 9 |
Inquiries last 6m:
| 0 | Employment status: | Full-time employee |
Enhanced (1-5): | 4 |
Current / open credit lines:
| 29
/
29 | Length of status: | 1y 8m |
Credit score:
| 800-819 (Jun-2010) |
Total credit lines:
| 70 |
Occupation: | Doctor |
Now delinquent:
| 0 |
Revolving credit balance:
| $63,673 | Stated income: | $75,000-$99,999 |
Amount delinquent:
| $0 |
Bankcard utilization:
| 41% | | |
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| Yes | | |
Delinquencies in last 7y:
| 0 | | | | |
Screen name:
| wvmustang |
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
paving driveway
Purpose of loan:
This loan will be used to?
pave driveway to house that was built in 2006.? Approximately 1000 feet up a hill plus large area at top of hill for parking.? A bid from? local contractor priced at $17,820.00.? The house is a 3 story house appraised by county tax dept in Dec 2009 at $314,800.00 with a first mortgage of about $260,000.00 remaining.?
My financial situation:
I am a good candidate for this loan because?i have been practicing in this area for more than 10 years. i have not been behind or delinquent? on any payment either secured or unsecured.? Even though the economy took a down turn our business has? maintained steady and constant growth.? we are fortunate in the fact that very little competition exists for optometrist? in our area.? To keep cost at a minimum my wife and i work the office with the help of only one part time employee who works 2 days a week.?
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
464651
The following information pertains to the borrower loan being requested, that corresponds to the series 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:
| 29.00% |
Starting borrower rate/APR:
| 30.00% / 32.38% |
Starting monthly payment:
| $212.26 |
|
Auction yield range:
| 16.98% - 29.00% |
Estimated loss impact:
| 26.69% | | |
Lender servicing fee:
| 1.00% |
Estimated return:
| 2.31% | | |
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper scores:
| |
First credit line:
| Mar-2000 |
Debt/Income ratio:
| 33% |
Basic (1-10):
| 3 |
Inquiries last 6m:
| 3 | Employment status: | Full-time employee |
Enhanced (1-5): | 3 |
Current / open credit lines:
| 14
/
12 | Length of status: | 11y 11m |
Credit score:
| 680-699 (Jul-2010) |
Total credit lines:
| 26 |
Occupation: | Military Enlisted |
Now delinquent:
| 1 |
Revolving credit balance:
| $14,214 | Stated income: | $50,000-$74,999 |
Amount delinquent:
| $306 |
Bankcard utilization:
| 56% | | |
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| Yes | | |
Delinquencies in last 7y:
| 0 | | | | |
Screen name:
| worlds-best-currency4 |
Borrower's state:
| Alaska |
Borrower's group:
| N/A |
Credit and homeownership information was obtained 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 Debt Consolidation
Purpose of loan:
To pay off credit cards.
My financial situation:
I am a good candidate for this loan because I have a stable source of income and will be completely paying off several credit balances with this loan, therefore improving my credit score and being to pay off this loan quicker.
Monthly net income: $ 5600
Monthly expenses: $
??Housing: $ 800
??Insurance: $ 125
??Car expenses: $ 595?
??Utilities: $ 0
??Phone, cable, internet: $?99
??Food, entertainment: $?200
??Clothing, household expenses $ 50
??Credit cards and other loans: $ 600
??Child Support?expenses: $ 2000
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
464653
The following information pertains to the borrower loan being requested, that corresponds to the series 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:
| 16.98% - 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-1994 |
Debt/Income ratio:
| Not calculated |
Basic (1-10):
| 5 |
Inquiries last 6m:
| 4 | Employment status: | Full-time employee |
Enhanced (1-5): | 1 |
Current / open credit lines:
| 12
/
12 | Length of status: | 7y 2m |
Credit score:
| 740-759 (Jul-2010) |
Total credit lines:
| 43 |
Occupation: | Professional |
Now delinquent:
| 0 |
Revolving credit balance:
| $148,980 | Stated income: | $100,000+ |
Amount delinquent:
| $0 |
Bankcard utilization:
| 66% | | |
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| Yes | | |
Delinquencies in last 7y:
| 0 | | | | |
Screen name:
| bright-bill7 |
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.
Description
Buying a new truck
Purpose of loan:
This loan will be used to?
Obtain the remainder of the financing I need to purchase a used truck.
My financial situation:
I am a good candidate for this loan because?
I have never made a late payment in my life. I run my own business, thus I deduct everything I can from my taxable income which is why I don't have a W-2 to prove my income. I am an insurance agent and have been with my current employer for over 7 years and in the industry for more than 13 years. Most of the debts in my name are paid by my business income, not personal.
Monthly net income: $ 5000
Monthly expenses: $
??Housing: $ 1900
??Insurance: $ 115
??Car expenses: $ 280
??Utilities: $ 150
??Phone, cable, internet: $ 200
??Food, entertainment: $ 500
??Clothing, household expenses $ 100
??Credit cards and other loans: $ 100
??Other expenses: $
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
464663
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount:
| $6,000.00 |
Prosper Rating:
| HR |
Auction Duration:
| 7 days
|
Term:
| 36 months |
Estimated loss:
| 25.0% | | |
| | |
|
Starting lender yield:
| 30.00% |
Starting borrower rate/APR:
| 31.00% / 33.39% |
Starting monthly payment:
| $258.01 |
|
Auction yield range:
| 16.98% - 30.00% |
Estimated loss impact:
| 26.76% | | |
Lender servicing fee:
| 1.00% |
Estimated return:
| 3.24% | | |
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-1987 |
Debt/Income ratio:
| 4% |
Basic (1-10):
| 2 |
Inquiries last 6m:
| 3 | Employment status: | Full-time employee |
Enhanced (1-5): | 4 |
Current / open credit lines:
| 1
/
1 | Length of status: | 10y 6m |
Credit score:
| 660-679 (Jun-2010) |
Total credit lines:
| 19 |
Occupation: | Professional |
Now delinquent:
| 3 |
Revolving credit balance:
| $515 | Stated income: | $75,000-$99,999 |
Amount delinquent:
| $3,240 |
Bankcard utilization:
| 98% | | |
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| No | | |
Delinquencies in last 7y:
| 0 | | | | |
Screen name:
| deal-zoo6 |
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 a tax debt
Purpose of loan:
This loan will be used to?pay off a state tax debt that I have negotiated down over months and months.?
?
My financial situation:
I am a good candidate for this loan because my credit score is pretty good I have low debt ratio and usually pay for most of my belongings with cash.? I also have been at the same job for nine years. I am working on building my credit back up and this would really give me a boost especially since I have not been delinquent on any debt for over 5 years.??I look forward to your?help. Thank you for looking at my listing and helping me out. Any questions please ask me.?
Monthly net income: $ 8,000
Monthly expenses: $
??Housing: $ 2,885
??Insurance: $ 325
??Car expenses: $ 300 (fully paid for)
??Utilities: $ 265
??Phone, cable, internet: $ 140
??Food, entertainment: $ 700
??Clothing, household expenses $ 800
??Credit cards and other loans: $ 325
??Other expenses: $ 1050
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
464671
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount:
| $2,000.00 |
Prosper Rating:
| D |
Auction Duration:
| 7 days
|
Term:
| 36 months |
Estimated loss:
| 10.0% | | |
| | |
|
Starting lender yield:
| 25.25% |
Starting borrower rate/APR:
| 26.25% / 28.57% |
Starting monthly payment:
| $80.85 |
|
Auction yield range:
| 10.98% - 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-1989 |
Debt/Income ratio:
| 28% |
Basic (1-10):
| 8 |
Inquiries last 6m:
| 0 | Employment status: | Full-time employee |
Enhanced (1-5): | 5 |
Current / open credit lines:
| 5
/
4 | Length of status: | 3y 4m |
Credit score:
| 640-659 (Jul-2010) |
Total credit lines:
| 28 |
Occupation: | Administrative Assi... |
Now delinquent:
| 0 |
Revolving credit balance:
| $2,705 | Stated income: | $25,000-$49,999 |
Amount delinquent:
| $0 |
Bankcard utilization:
| 90% | | |
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| No | | |
Delinquencies in last 7y:
| 8 | | | | |
Screen name:
| bid-keeper4 |
Borrower's state:
| Colorado |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Description
Paying for college
Purpose of loan:
This loan will be used to?
My financial situation:
I am a good candidate for this loan because?
Monthly net income: $
Monthly expenses: $
??Housing: $
??Insurance: $
??Car expenses: $
??Utilities: $
??Phone, cable, internet: $
??Food, entertainment: $
??Clothing, household expenses $
??Credit cards and other loans: $
??Other expenses: $
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
464683
The following information pertains to the borrower loan being requested, that corresponds to the series 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:
| D |
Auction Duration:
| 7 days
|
Term:
| 36 months |
Estimated loss:
| 10.0% | | |
| | |
|
Starting lender yield:
| 15.00% |
Starting borrower rate/APR:
| 16.00% / 18.18% |
Starting monthly payment:
| $421.88 |
|
Auction yield range:
| 10.98% - 15.00% |
Estimated loss impact:
| 10.34% | | |
Lender servicing fee:
| 1.00% |
Estimated return:
| 4.66% | | |
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:
| 27% |
Basic (1-10):
| 7 |
Inquiries last 6m:
| 0 | Employment status: | Full-time employee |
Enhanced (1-5): | 4 |
Current / open credit lines:
| 20
/
20 | Length of status: | 0y 10m |
Credit score:
| 700-719 (Jul-2010) |
Total credit lines:
| 39 |
Occupation: | Attorney |
Now delinquent:
| 0 |
Revolving credit balance:
| $38,512 | Stated income: | $100,000+ |
Amount delinquent:
| $0 |
Bankcard utilization:
| 92% | | |
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| Yes | | |
Delinquencies in last 7y:
| 0 | | | | |
Screen name:
| lovely-community2 |
Borrower's state:
| Delaware |
Borrower's group:
| N/A |
Credit and homeownership information was obtained 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 a high interest rate credit card.
My financial situation:
I am a good candidate for this loan because? I have a secure, high paying job and can make my payments.
Monthly net income: $ 8150
Monthly expenses: $ 5730
??Housing: $ 1100????
??Insurance: $ 180
??Car expenses: $ 250
??Utilities: $ 200
??Phone, cable, internet: $ 200
??Food, entertainment: $ 800
??Clothing, household expenses $ 100
??Credit cards and other loans: $ 2900
??Other expenses: $ 0
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
464701
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount:
| $8,000.00 |
Prosper Rating:
| HR |
Auction Duration:
| 7 days
|
Term:
| 36 months |
Estimated loss:
| 18.0% | | |
| | |
|
Starting lender yield:
| 17.95% |
Starting borrower rate/APR:
| 18.95% / 21.17% |
Starting monthly payment:
| $293.05 |
|
Auction yield range:
| 16.98% - 17.95% |
Estimated loss impact:
| 19.00% | | |
Lender servicing fee:
| 1.00% |
Estimated return:
| -1.05% | | |
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-1982 |
Debt/Income ratio:
| 33% |
Basic (1-10):
| 5 |
Inquiries last 6m:
| 1 | Employment status: | Full-time employee |
Enhanced (1-5): | 5 |
Current / open credit lines:
| 22
/
18 | Length of status: | 13y 2m |
Credit score:
| 640-659 (Jul-2010) |
Total credit lines:
| 37 |
Occupation: | Professional |
Now delinquent:
| 0 |
Revolving credit balance:
| $13,434 | 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:
| kevin1961 |
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
Replace retaining wall
Purpose of loan:
Borrowing to replace a?old railroad tie retaining wall?that has collapsed with a new precast stone wall. The wall is about 130ft long by 2.5ft high. My neighborhood has a gentle slope and the house behind us is about 3ft higher than our house. Need this wall fixed to keep the fence on top of it from collapsing. ? The is the last major project on this home I purchased in Oct 2008 out of foreclosure. We have done a significant amount of repairs but still only owe $125,000 at 4.125% (refinanced in Feb 2010) on the house that was just appraised for $175,000.
My financial situation:
I am a good candidate for this loan because we have a perfect record of repayment and excellant equity in our home.
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
464713
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount:
| $4,000.00 |
Prosper Rating:
| HR |
Auction Duration:
| 7 days
|
Term:
| 36 months |
Estimated loss:
| 18.0% | | |
| | |
|
Starting lender yield:
| 34.00% |
Starting borrower rate/APR:
| 35.00% / 37.45% |
Starting monthly payment:
| $180.94 |
|
Auction yield range:
| 16.98% - 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-1965 |
Debt/Income ratio:
| 15% |
Basic (1-10):
| 4 |
Inquiries last 6m:
| 4 | Employment status: | Full-time employee |
Enhanced (1-5): | 4 |
Current / open credit lines:
| 5
/
5 | Length of status: | 8y 1m |
Credit score:
| 700-719 (Jul-2010) |
Total credit lines:
| 24 |
Occupation: | Other |
Now delinquent:
| 8 |
Revolving credit balance:
| $5,589 | Stated income: | $75,000-$99,999 |
Amount delinquent:
| $28,009 |
Bankcard utilization:
| 36% | | |
Public records last 12m / 10y:
| 0/ 1 |
Homeownership:
| No | | |
Delinquencies in last 7y:
| 4 | | | | |
Screen name:
| principal-pursuit314 |
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
Blackbird II
Purpose of loan:
This loan will be used to?
purchase vehicle
My financial situation:
I am a good candidate for this loan because?
Chapter 13 ends 15 Sep 2010, own home, and have lived there for
33 years
Monthly net income: $?7600.00? $5000.00 Work, $2000.00 SS, $600 Retirement
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
464725
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount:
| $8,000.00 |
Prosper Rating:
| AA |
Auction Duration:
| 7 days
|
Term:
| 36 months |
Estimated loss:
| 1.5% | | |
| | |
|
Starting lender yield:
| 8.30% |
Starting borrower rate/APR:
| 9.30% / 9.64% |
Starting monthly payment:
| $255.52 |
|
Auction yield range:
| 2.98% - 8.30% |
Estimated loss impact:
| 1.50% | | |
Lender servicing fee:
| 1.00% |
Estimated return:
| 6.80% | | |
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:
| 16% |
Basic (1-10):
| 9 |
Inquiries last 6m:
| 0 | Employment status: | Full-time employee |
Enhanced (1-5): | 5 |
Current / open credit lines:
| 10
/
10 | Length of status: | 4y 4m |
Credit score:
| 800-819 (Jun-2010) |
Total credit lines:
| 30 |
Occupation: | Computer Programmer |
Now delinquent:
| 0 |
Revolving credit balance:
| $16,219 | Stated income: | $100,000+ |
Amount delinquent:
| $0 |
Bankcard utilization:
| 49% | | |
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| Yes | | |
Delinquencies in last 7y:
| 0 | | | | |
Screen name:
| logical-principal7 |
Borrower's state:
| California |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Description
Paying off credit cards
Purpose of loan:
This loan will be used to pay off higher interest rate credit cards.
My financial situation:
I am an excellent candidate for this loan because my wife and I have always made paying off our obligations our highest priority. We have protected our excellent credit over our 12 years of marriage, and?have always maintained a credit score near 800. I graduated college in 2001?with a BS in Computer Science and have had stable and consistent employment in my field.??My wife is a stay at home mother and raises our 3 children, ages 10, 8, and 5. We have never had a late payment on our credit report nor have we ever been foreclosed upon or declared bankruptcy.
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
464745
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount:
| $12,000.00 |
Prosper Rating:
| HR |
Auction Duration:
| 7 days
|
Term:
| 36 months |
Estimated loss:
| 18.0% | | |
| | |
|
Starting lender yield:
| 19.00% |
Starting borrower rate/APR:
| 20.00% / 22.24% |
Starting monthly payment:
| $445.96 |
|
Auction yield range:
| 16.98% - 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:
| Jun-2005 |
Debt/Income ratio:
| 25% |
Basic (1-10):
| 4 |
Inquiries last 6m:
| 1 | Employment status: | Full-time employee |
Enhanced (1-5): | 2 |
Current / open credit lines:
| 5
/
5 | Length of status: | 0y 8m |
Credit score:
| 640-659 (Jun-2010) |
Total credit lines:
| 5 |
Occupation: | Retail Management |
Now delinquent:
| 0 |
Revolving credit balance:
| $2,574 | Stated income: | $25,000-$49,999 |
Amount delinquent:
| $0 |
Bankcard utilization:
| 81% | | |
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| No | | |
Delinquencies in last 7y:
| 0 | | | | |
Screen name:
| subtle-peace |
Borrower's state:
| Alabama |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Description
Having a baby
My wife is due in September with our first child, a girl. We are trying to get ourselves in better financial shape before she arrives so that my wife can stay home with the baby. This loan would be used to do just that. We would pay off all our credit cards, which total apx. $5000 and a personal loan that totals apx. $5000. The remaining balance would be put towards some necessary baby items. We are responsible people who always pay our bills on time. This loan would simply allow us to consolidate and have one monthly payment at a lower interest rate. Thank you.
P.S. This loan would not be used as an auto loan. I tried to change the reason for this loan, but apparently you are not able to once you select a reason. Thanks again.
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
464757
The following information pertains to the borrower loan being requested, that corresponds to the series 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:
| 3.98% - 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:
| Mar-1975 |
Debt/Income ratio:
| 21% |
Basic (1-10):
| 9 |
Inquiries last 6m:
| 0 | Employment status: | Full-time employee |
Enhanced (1-5): | 4 |
Current / open credit lines:
| 18
/
16 | Length of status: | 1y 7m |
Credit score:
| 700-719 (Jun-2010) |
Total credit lines:
| 44 |
Occupation: | Professional |
Now delinquent:
| 0 |
Revolving credit balance:
| $106,040 | Stated income: | $100,000+ |
Amount delinquent:
| $0 |
Bankcard utilization:
| 77% | | |
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| Yes | | |
Delinquencies in last 7y:
| 0 | | | | |
Screen name:
| direct-hope3 |
Borrower's state:
| Illinois |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Description
Down w/high interest credit cards
Purpose of loan:
I have had it with the credit card companies and I need your help. This loan will be used to eliminate the high interest rate credit cards who have taken advantage of me (and many others)?and are forcing me to pay?only minimum amounts?and to earnestly?work to pay off all other outstanding cards.? With your help I can eliminate the need to live "paycheck to paycheck."
My financial situation:
I am an excellent?candidate for this loan because I pay ALL bills on time every month and would love to be able to send more toward the balances in the future.
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
464781
The following information pertains to the borrower loan being requested, that corresponds to the series 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:
| 3.98% - 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-1980 |
Debt/Income ratio:
| 28% |
Basic (1-10):
| 9 |
Inquiries last 6m:
| 0 | Employment status: | Full-time employee |
Enhanced (1-5): | 5 |
Current / open credit lines:
| 22
/
22 | Length of status: | 3y 8m |
Credit score:
| 760-779 (Jul-2010) |
Total credit lines:
| 62 |
Occupation: | Other |
Now delinquent:
| 0 |
Revolving credit balance:
| $15,245 | Stated income: | $50,000-$74,999 |
Amount delinquent:
| $0 |
Bankcard utilization:
| 34% | | |
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| Yes | | |
Delinquencies in last 7y:
| 0 | | | | |
Screen name:
| qutiepie |
Borrower's state:
| Alabama |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan history | Payment history | Credit score history |
Active / total loans:
| 1 / 1 |
On-time:
| 23 ( 100% )
| 760-779 (Latest)
|
Principal borrowed:
| $3,500.00 | < 31 days late:
| 0
( 0% )
| 740-759
(Jul-2008)
720-739
(Jun-2008)
700-719
(Apr-2008)
640-659
(Jul-2007)
|
Principal balance:
| $1,348.09 |
31+ days late:
| 0
( 0% )
|
Total payments billed:
| 23 | | |
Description
Lending a helping hand to my mother
Purpose of loan:
This loan will be used to assist my elderly mother in getting much needed repairs to her home.?She has had patch work repair jobs done every year which simply boiled down to just?a temporary fix.?My desire is?to remedy this situation by helping her fund the cost to get the repairs completely taken care of.???
My financial situation:
I am a good candidate for this loan because?I have an active?loan with Prosper which is, and always has been in good standing. In fact, I have?actually set this loan up to be paid off in full on July 6, 2010, and will be processed through my?credit union and?Bill Pay.?I have no outstanding past due obligations. Additionally, I?m employed full time; I receive a monthly retirement pension; and, in August of this year I will receive a considerable raise when?my employer re-signs?a contract.
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
464811
The following information pertains to the borrower loan being requested, that corresponds to the series 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:
| 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:
| $207.30 |
|
Auction yield range:
| 3.98% - 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-1985 |
Debt/Income ratio:
| Self-employed (DTI Not Calculated) |
Basic (1-10):
| 8 |
Inquiries last 6m:
| 0 | Employment status: | Self-employed |
Enhanced (1-5): | 5 |
Current / open credit lines:
| 9
/
8 | Length of status: | 24y 10m |
Credit score:
| 780-799 (Jun-2010) |
Total credit lines:
| 40 |
Occupation: | Attorney |
Now delinquent:
| 0 |
Revolving credit balance:
| $10,597 | Stated income: | $50,000-$74,999 |
Amount delinquent:
| $0 |
Bankcard utilization:
| 21% | | |
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| Yes | | |
Delinquencies in last 7y:
| 0 | | | | |
Screen name:
| deal-wildebeest |
Borrower's state:
| Mississippi |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Description
Paying for elective surgery
Purpose of loan:
This loan will be used to pay for elective surgery?
My financial situation:
I am a good candidate for this loan because I have good credit history.
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
464823
The following information pertains to the borrower loan being requested, that corresponds to the series 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:
| 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:
| $79.73 |
|
Auction yield range:
| 3.98% - 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:
| Jun-1993 |
Debt/Income ratio:
| 12% |
Basic (1-10):
| 9 |
Inquiries last 6m:
| 1 | Employment status: | Full-time employee |
Enhanced (1-5): | 5 |
Current / open credit lines:
| 10
/
7 | Length of status: | 3y 9m |
Credit score:
| 720-739 (Jul-2010) |
Total credit lines:
| 34 |
Occupation: | Professional |
Now delinquent:
| 0 |
Revolving credit balance:
| $12,349 | Stated income: | $100,000+ |
Amount delinquent:
| $0 |
Bankcard utilization:
| 75% | | |
Public records last 12m / 10y:
| 0/ 1 |
Homeownership:
| Yes | | |
Delinquencies in last 7y:
| 0 | | | | |
Screen name:
| wealth-neptune |
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
Purpose of loan:
This loan will be used to? pay off a high interest rate credit card.
My financial situation:
I am a good candidate for this loan because? I have the income and cash flow to repay this loan.
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
464829
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount:
| $2,000.00 |
Prosper Rating:
| E |
Auction Duration:
| 7 days
|
Term:
| 36 months |
Estimated loss:
| 14.7% | | |
| | |
|
Starting lender yield:
| 34.00% |
Starting borrower rate/APR:
| 35.00% / 37.45% |
Starting monthly payment:
| $90.47 |
|
Auction yield range:
| 13.98% - 34.00% |
Estimated loss impact:
| 16.27% | | |
Lender servicing fee:
| 1.00% |
Estimated return:
| 17.73% | | |
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper scores:
| |
First credit line:
| May-1993 |
Debt/Income ratio:
| 34% |
Basic (1-10):
| 6 |
Inquiries last 6m:
| 0 | Employment status: | Full-time employee |
Enhanced (1-5): | 4 |
Current / open credit lines:
| 13
/
10 | Length of status: | 3y 0m |
Credit score:
| 620-639 (Jul-2010) |
Total credit lines:
| 24 |
Occupation: | Truck Driver |
Now delinquent:
| 0 |
Revolving credit balance:
| $5,699 | Stated income: | $50,000-$74,999 |
Amount delinquent:
| $0 |
Bankcard utilization:
| 98% | | |
Public records last 12m / 10y:
| 0/ 1 |
Homeownership:
| No | | |
Delinquencies in last 7y:
| 1 | | | | |
Screen name:
| RMC66 |
Borrower's state:
| Illinois |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan history | Payment history | Credit score history |
Active / total loans:
| 1 / 1 |
On-time:
| 26 ( 100% )
| 620-639 (Latest)
|
Principal borrowed:
| $3,000.00 | < 31 days late:
| 0
( 0% )
| 640-659
(May-2010)
620-639
(Apr-2009)
640-659
(Mar-2008)
640-659
(Feb-2008)
|
Principal balance:
| $997.60 |
31+ days late:
| 0
( 0% )
|
Total payments billed:
| 26 | | |
Description
Pay A Medical Bill
Purpose of loan:
This loan will be used to pay my portion of a medical bill. The total bill was $8000.00, for an MRI? for my daughter, and our insurance only paid $6000.
My financial situation:
I am a good candidate for this loan because I pay all of my bills on time every month.. I do not have any delinquent accounts.? You will be paid back. Look at my history with my current Prosper loan, I have never been late or missed any payments.? Please consider helping me. I plan to pay this loan off within 1 year. Thank You.
Monthly net income: $ 4400 (mine)? $2400 (wife)
Monthly expenses:
??Housing: $ 900.00
??Insurance: $ 60.00 (car)
??Car expenses: $
??Utilities: $ 180.00
??Phone, cable, internet: $ 200.00
??Food, entertainment: $ 400
??Clothing, household expenses $
??Credit cards and other loans: $ 500.00? ( $200.00 for credit cards and? $300.00 for personal loan)
??Other expenses: $ 320.00 (car payment)? -? $108 Current prosper loan that will be paid off in April 2011
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
464835
The following information pertains to the borrower loan being requested, that corresponds to the series 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:
| D |
Auction Duration:
| 7 days
|
Term:
| 36 months |
Estimated loss:
| 10.0% | | |
| | |
|
Starting lender yield:
| 27.38% |
Starting borrower rate/APR:
| 28.38% / 30.73% |
Starting monthly payment:
| $831.38 |
|
Auction yield range:
| 10.98% - 27.38% |
Estimated loss impact:
| 10.68% | | |
Lender servicing fee:
| 1.00% |
Estimated return:
| 16.70% | | |
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper scores:
| |
First credit line:
| Aug-1982 |
Debt/Income ratio:
| 38% |
Basic (1-10):
| 6 |
Inquiries last 6m:
| 1 | Employment status: | Full-time employee |
Enhanced (1-5): | 2 |
Current / open credit lines:
| 19
/
19 | Length of status: | 13y 5m |
Credit score:
| 700-719 (Jul-2010) |
Total credit lines:
| 40 |
Occupation: | Engineer - Electric... |
Now delinquent:
| 0 |
Revolving credit balance:
| $278,163 | Stated income: | $100,000+ |
Amount delinquent:
| $0 |
Bankcard utilization:
| 72% | | |
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| Yes | | |
Delinquencies in last 7y:
| 0 | | | | |
Screen name:
| community-genetics9 |
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? consolidate and pay off high interest credit cards.
My financial situation:
I am a good candidate for this loan because? I always pay my bills on time.
Monthly net income: $ 10000
Monthly expenses: $
??Housing: $ 1700
??Insurance: $?75
??Car expenses: $ 500
??Utilities: $ 100
??Phone, cable, internet: $ 35
??Food, entertainment: $ 100
??Clothing, household expenses $ 40
??Credit cards and other loans: $ 900
??Other expenses: $ 100
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
464847
The following information pertains to the borrower loan being requested, that corresponds to the series 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:
| 33.28% |
Starting borrower rate/APR:
| 34.28% / 36.72% |
Starting monthly payment:
| $179.32 |
|
Auction yield range:
| 13.98% - 33.28% |
Estimated loss impact:
| 15.53% | | |
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:
| Dec-2004 |
Debt/Income ratio:
| 63% |
Basic (1-10):
| 6 |
Inquiries last 6m:
| 1 | Employment status: | Part-time employee |
Enhanced (1-5): | 4 |
Current / open credit lines:
| 14
/
14 | Length of status: | 4y 2m |
Credit score:
| 660-679 (Jul-2010) |
Total credit lines:
| 14 |
Occupation: | Medical Technician |
Now delinquent:
| 0 |
Revolving credit balance:
| $6,149 | Stated income: | $25,000-$49,999 |
Amount delinquent:
| $0 |
Bankcard utilization:
| 69% | | |
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| Yes | | |
Delinquencies in last 7y:
| 0 | | | | |
Screen name:
| return-proton1 |
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 credit cards
Purpose of loan:
This loan will be used to? Pay off credit cards.
My financial situation:
I am a good candidate for this loan because? I have a good credit score, I work 2 jobs, and want to better myself and be debt free.
Monthly net income: $ 2000
Monthly expenses: $ 1500
??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
464859
The following information pertains to the borrower loan being requested, that corresponds to the series 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:
| $2,200.00 |
Prosper Rating:
| A |
Auction Duration:
| 7 days
|
Term:
| 36 months |
Estimated loss:
| 2.1% | | |
| | |
|
Starting lender yield:
| 10.50% |
Starting borrower rate/APR:
| 11.50% / 13.63% |
Starting monthly payment:
| $72.55 |
|
Auction yield range:
| 3.98% - 10.50% |
Estimated loss impact:
| 2.13% | | |
Lender servicing fee:
| 1.00% |
Estimated return:
| 8.37% | | |
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-1996 |
Debt/Income ratio:
| 15% |
Basic (1-10):
| 9 |
Inquiries last 6m:
| 0 | Employment status: | Full-time employee |
Enhanced (1-5): | 5 |
Current / open credit lines:
| 4
/
3 | Length of status: | 6y 1m |
Credit score:
| 700-719 (Jul-2010) |
Total credit lines:
| 10 |
Occupation: | Other |
Now delinquent:
| 0 |
Revolving credit balance:
| $909 | Stated income: | $25,000-$49,999 |
Amount delinquent:
| $0 |
Bankcard utilization:
| 36% | | |
Public records last 12m / 10y:
| 0/ 2 |
Homeownership:
| No | | |
Delinquencies in last 7y:
| 0 | | | | |
Screen name:
| loveca |
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% )
| 700-719 (Latest)
|
Principal borrowed:
| $5,600.00 | < 31 days late:
| 0
( 0% )
| 640-659
(Feb-2008)
|
Principal balance:
| $1,587.03 |
31+ days late:
| 0
( 0% )
|
Total payments billed:
| 27 | | |
Description
Dental work
Purpose of loan:
This loan will be used to? Hello everyone, this will be my second loan with Prosper. I am toward the end of paying off my first loan of $5800. As you can see I have always been on time with the loan.
I used the first loan to buy a car that has served me well (and hopefully will for another few years)
My current loan request is for much less this time. I recently had dental work done on my teeth. My insurance covered most of the surgeries, but not the cost of the 3 caps/crowns. I used my credit cards to pay the dentist.
The credit card company is charging me a an enormous rate of 29.70%. I am looking to for a loan that is lower than that, that I can comfortable pay off in 36 months.
.
My financial situation:
I am a good candidate for this loan because?None of my basic information has changed since the first loan of 2 1/2 years ago, except I have been at the same stable job for another 2 1/2 years and have been on time with all bills.
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
464865
The following information pertains to the borrower loan being requested, that corresponds to the series 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:
| $22,000.00 |
Prosper Rating:
| C |
Auction Duration:
| 7 days
|
Term:
| 36 months |
Estimated loss:
| 7.0% | | |
| | |
|
Starting lender yield:
| 15.99% |
Starting borrower rate/APR:
| 16.99% / 19.19% |
Starting monthly payment:
| $784.25 |
|
Auction yield range:
| 7.98% - 15.99% |
Estimated loss impact:
| 7.36% | | |
Lender servicing fee:
| 1.00% |
Estimated return:
| 8.63% | | |
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper scores:
| |
First credit line:
| Feb-1971 |
Debt/Income ratio:
| 44% |
Basic (1-10):
| 6 |
Inquiries last 6m:
| 0 | Employment status: | Retired |
Enhanced (1-5): | 5 |
Current / open credit lines:
| 8
/
7 | Length of status: | 15y 0m |
Credit score:
| 780-799 (Jun-2010) |
Total credit lines:
| 19 | Stated income: | $50,000-$74,999 |
Now delinquent:
| 0 |
Revolving credit balance:
| $18,058 | |
Amount delinquent:
| $0 |
Bankcard utilization:
| 48% | | |
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| Yes | | |
Delinquencies in last 7y:
| 0 | | | | |
Screen name:
| lightnin |
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.
Prosper Activity
Loan history | Payment history | Credit score history |
Active / total loans:
| 1 / 1 |
On-time:
| 25 ( 100% )
| 780-799 (Latest)
|
Principal borrowed:
| $5,000.00 | < 31 days late:
| 0
( 0% )
| 740-759
(Jul-2009)
720-739
(May-2008)
|
Principal balance:
| $1,659.22 |
31+ days late:
| 0
( 0% )
|
Total payments billed:
| 25 | | |
Description
paying off credit cards
Purpose of loan:
This loan will be used to pay off timeshare credit card?
My financial situation:
I am a good candidate for this loan because I pay my bills.?
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
464871
The following information pertains to the borrower loan being requested, that corresponds to the series 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:
| 25.0% | | |
| | |
|
Starting lender yield:
| 34.00% |
Starting borrower rate/APR:
| 35.00% / 37.45% |
Starting monthly payment:
| $407.12 |
|
Auction yield range:
| 16.98% - 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:
| Not calculated |
Basic (1-10):
| 2 |
Inquiries last 6m:
| 2 | Employment status: | Not employed |
Enhanced (1-5): | 4 |
Current / open credit lines:
| 12
/
12 | Length of status: | 0y 6m |
Credit score:
| 660-679 (Jun-2010) |
Total credit lines:
| 29 | Stated income: | Not employed |
Now delinquent:
| 1 |
Revolving credit balance:
| $6,231 | |
Amount delinquent:
| $13 |
Bankcard utilization:
| 29% | | |
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| No | | |
Delinquencies in last 7y:
| 0 | | | | |
Screen name:
| auction-tiger0 |
Borrower's state:
| NewJersey |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Description
just got apt and job NEED MONEY NOW
Purpose of loan:
This loan will be used to?
My financial situation:
I am a good candidate for this loan because? I have a decent credit rating and will not miss any loan payments. I will be starting a new job within a week or two.
Monthly net income:1000 unemployeed$
Monthly expenses:
??Housing: $400
??health Insurance: $0
??Car expenses: $105.00
??Utilities: $0
??Phone, cable, internet: $50
??Food, entertainment: $100
??Clothing, household expenses $0
??Credit cards and other loans: $300
??Other expenses: $
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
464877
The following information pertains to the borrower loan being requested, that corresponds to the series 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:
| 25.38% |
Starting borrower rate/APR:
| 26.38% / 28.71% |
Starting monthly payment:
| $101.23 |
|
Auction yield range:
| 10.98% - 25.38% |
Estimated loss impact:
| 10.63% | | |
Lender servicing fee:
| 1.00% |
Estimated return:
| 14.75% | | |
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:
| Oct-1990 |
Debt/Income ratio:
| 71% |
Basic (1-10):
| 8 |
Inquiries last 6m:
| 4 | Employment status: | Full-time employee |
Enhanced (1-5): | 2 |
Current / open credit lines:
| 32
/
29 | Length of status: | 3y 8m |
Credit score:
| 640-659 (Jul-2010) |
Total credit lines:
| 54 |
Occupation: | Analyst |
Now delinquent:
| 0 |
Revolving credit balance:
| $34,561 | Stated income: | $75,000-$99,999 |
Amount delinquent:
| $0 |
Bankcard utilization:
| 70% | | |
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| Yes | | |
Delinquencies in last 7y:
| 0 | | | | |
Screen name:
| peso-icon |
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
would like to buy my uncle's truck
Purpose of loan:
This loan will be used to?? buy my?uncle's pickup truck.? He has retired and I would like to have it.? Unfortunately we just paid for a trip to Florida and are strapped for cash.? You can't finance a $2500 truck (2002 Toyota Tundra)? It is a good deal and I would hate to pass it up.
My financial situation:
I am a good candidate for this loan because? I have a stable job, and so does my wife.? I have a household income of $230K including my spouse
Monthly net income: $ 7500
Monthly expenses: $
??Housing: $ 1780
??Insurance: $???
??Car expenses: $ 1500
??Utilities: $
??Phone, cable, internet: $
??Food, entertainment: $
??Clothing, household expenses $
??Credit cards and other loans: $ 1000
??Other expenses: $
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
464889
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount:
| $1,200.00 |
Prosper Rating:
| HR |
Auction Duration:
| 7 days
|
Term:
| 36 months |
Estimated loss:
| 19.0% | | |
| | |
|
Starting lender yield:
| 34.00% |
Starting borrower rate/APR:
| 35.00% / 38.44% |
Starting monthly payment:
| $54.28 |
|
Auction yield range:
| 16.98% - 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:
| Nov-1996 |
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:
| 6
/
6 | Length of status: | 9y 6m |
Credit score:
| 600-619 (Jun-2010) |
Total credit lines:
| 20 |
Occupation: | Other |
Now delinquent:
| 1 |
Revolving credit balance:
| $9,618 | Stated income: | $50,000-$74,999 |
Amount delinquent:
| $1,105 |
Bankcard utilization:
| 97% | | |
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| No | | |
Delinquencies in last 7y:
| 1 | | | | |
Screen name:
| richardopat |
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.
Prosper Activity
Loan history | Payment history | Credit score history |
Active / total loans:
| 1 / 1 |
On-time:
| 24 ( 100% )
| 600-619 (Latest)
|
Principal borrowed:
| $2,500.00 | < 31 days late:
| 0
( 0% )
| 600-619
(Aug-2009)
640-659
(Jun-2008)
|
Principal balance:
| $921.49 |
31+ days late:
| 0
( 0% )
|
Total payments billed:
| 24 | | |
Description
New software for new client at 3M
Purpose of loan:
This loan will be used to purchase new software for a new client at 3M which will generate me 20,000 in three months time.
My financial situation:
I am a good candidate for this loan because I have a loan with prosper and it is automatically deducted from my business checking every month. I have never missed a payment, ever!
Monthly net income: $ 4000
Monthly expenses: $ 2000
??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.