Listing Report:Supplement No. 283 dated Jul 12, 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
383608
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
|
Amount:
| $1,000.00 |
Prosper Rating:
| C |
Auction Duration:
| 7 days
|
|
Term:
| 36 months |
Estimated loss:
| 6.5% | | |
| | | |
|
|
Starting lender yield:
| 19.01% |
Starting borrower rate/APR:
| 20.01% / 23.79% |
Starting monthly payment:
| $37.17 |
| |
|
Auction yield range:
| 7.93% - 19.01% |
Estimated loss impact:
| 6.94% | | |
|
Lender servicing fee:
| 1.00% |
Estimated return:
| 12.07% | | |
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
|
Prosper scores:
| |
First credit line:
| Apr-2004 |
Debt/Income ratio:
| 55% |
|
Basic (1-10):
| 9 |
Inquiries last 6m:
| 1 | Employment status: | Full-time employee |
| Enhanced (1-5): | 3 |
Current / open credit lines:
| 13
/
12 | Length of status: | 3y 8m |
|
Credit score:
| 660-679 (Jul-2010) |
Total credit lines:
| 26 |
Occupation: | Other |
|
Now delinquent:
| 0 |
Revolving credit balance:
| $5,751 | Stated income: | $1-$24,999 |
|
Amount delinquent:
| $0 |
Bankcard utilization:
| 84% | | |
|
Public records last 12m / 10y:
| 0/ 1 |
Homeownership:
| Yes | | |
|
Delinquencies in last 7y:
| 0 | | | | |
|
Screen name:
| ClaytonMoore |
Borrower's state:
| Washington |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Description
Need New Tires
I need to purchase new tires for my 2006 Impala. On June 6, 2010 I lost control going around an off ramp. I hit a light pole. Now, a week after getting it back from the collision center, it has a leaking tire. The guy at the tire place said it is too worn to fix. (I know that, but can't afford to purchase new tires.)
I would like to purchase 4 new tires asap so I or my wife do not have another accident. I wold be about to make these payments with no problems. It is just hard to build up that much money all at once with a 3 month old. You may ask any questions needed. Thank you for your time.
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
464926
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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:
| 14.00% |
Starting borrower rate/APR:
| 15.00% / 17.17% |
Starting monthly payment:
| $173.33 |
| |
|
Auction yield range:
| 5.93% - 14.00% |
Estimated loss impact:
| 5.24% | | |
|
Lender servicing fee:
| 1.00% |
Estimated return:
| 8.76% | | |
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:
| Jan-1996 |
Debt/Income ratio:
| 27% |
|
Basic (1-10):
| 8 |
Inquiries last 6m:
| 0 | Employment status: | Part-time employee |
| Enhanced (1-5): | 5 |
Current / open credit lines:
| 4
/
4 | Length of status: | 13y 4m |
|
Credit score:
| 760-779 (Jul-2010) |
Total credit lines:
| 19 |
Occupation: | Other |
|
Now delinquent:
| 0 |
Revolving credit balance:
| $6,110 | Stated income: | $1-$24,999 |
|
Amount delinquent:
| $0 |
Bankcard utilization:
| 32% | | |
|
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| No | | |
|
Delinquencies in last 7y:
| 0 | | | | |
|
Screen name:
| sincere-transparency8 |
Borrower's state:
| Ohio |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Description
Pay off a high interest rate credit
Purpose of loan:
This loan will be used?for debt consolidation.?
This loan will be used to pay off a HIGH interest Credit Card, I would rather pay the loan amount and interest to lenders on Prosper.
My financial situation:
I am a great candidate for the requested loan because I am seeking the funding simply as a way to lower my cost of credit as I take definitive actions to reduce my overall debt level.I am not in a financially stressed situation.The funds that would be provide by this loan would be part of a process of operating more efficiently and effectively from a personal finance standpoint.I am very trust and credit worthy and I have never failed to meet any financial obligation as my credit report will show.
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
464986
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
|
Amount:
| $3,700.00 |
Prosper Rating:
| C |
Auction Duration:
| 7 days
|
|
Term:
| 36 months |
Estimated loss:
| 8.5% | | |
| | | |
|
|
Starting lender yield:
| 22.51% |
Starting borrower rate/APR:
| 23.51% / 25.79% |
Starting monthly payment:
| $144.21 |
| |
|
Auction yield range:
| 7.93% - 22.51% |
Estimated loss impact:
| 9.03% | | |
|
Lender servicing fee:
| 1.00% |
Estimated return:
| 13.48% | | |
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
|
Prosper scores:
| |
First credit line:
| Apr-1993 |
Debt/Income ratio:
| Self-employed (DTI Not Calculated) |
|
Basic (1-10):
| 5 |
Inquiries last 6m:
| 5 | Employment status: | Self-employed |
| Enhanced (1-5): | 2 |
Current / open credit lines:
| 14
/
11 | Length of status: | 8y 1m |
|
Credit score:
| 780-799 (Jun-2010) |
Total credit lines:
| 25 |
Occupation: | Other |
|
Now delinquent:
| 0 |
Revolving credit balance:
| $4,560 | Stated income: | $100,000+ |
|
Amount delinquent:
| $0 |
Bankcard utilization:
| 23% | | |
|
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| Yes | | |
|
Delinquencies in last 7y:
| 0 | | | | |
|
Screen name:
| astute-agreement |
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
Help Family Business Expand.
Purpose of loan:
This loan will be used to?Expansion....due to wonderful customers!
Our popular family owned? restaurant can be found at http://www.CrazyFishLakeWales.com. We are located in Lake Wales, Florida and the Crazy Fish has been in business for 8 years now....and we continue to grow in popularity. Please feel free to google search us!
We are rated among the top 5 most popular restaurants in the entire state of Florida...and we have more customers then we have capacity.
After spending nearly $50K cash of our own money, we were able to legally increase our seating capacity by switching from septic to city water. This loan will go to the construction of an outdoor seating facility...aka....a deck which will not only increase capacity, but also productivity and revenue as well.
My financial situation:
I am a good candidate for this loan because?Longevity. Excellent credit. We are profitable...and with added seating capacity...we will be more profitable. NOTE OUR CREDIT SCORE IS EXCELLENT....RANGES FROM 785 TO 800.....WE CAN PAY THIS LOAN BACK AND LOOK FORWARD TO DOING SO. Unfortunately, small town banks in our area are not loaning money right now. We are NOT a start up venture...and again...PLEASE CHECK US OUT ON THE NET....THIS EXPANSION WILL INCREASE PROFITS....AND CREATE MORE HAPPY CUSTOMERS!?
I do NOT understand the rating applied by Prosper. And registered lenders can verify our excellent credit rating established by Prosper themselves as they pulled our credit. WE CAN AND WILL PAY THIS LOAN BACK. I have not worked this hard and this long...to ruin my credit over this loan.? ?
This is an old school, family run business built from scratch...if that still counts for anything. We have been in business for 8 years and have grown each year.
Our credit rating is excellent, we own the property our restaurant is located on, we own our own home and a rental duplex. This is a family run business....and supports my family....so I have a vested interest in it's continued success.
My wife, daughter, son, son in law, and two grand children have all worked hard to turn this former biker bar into one of the most popular seafood restaurants in the state of Florida. I am proud of what we have accomplished here. ??
We gross close to a million dollars a year......and we are honest people with a good reputation in this community. As the snow birds depart, we feel this is the right time to begin construction on this new deck which will include our own money as well.
We appreciate your faith and support and look forward to meeting many of you bidders in the future!
Thank You!
http://www.crazyfishlakewales.com
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
465088
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
|
Amount:
| $25,000.00 |
Prosper Rating:
| C |
Auction Duration:
| 7 days
|
|
Term:
| 36 months |
Estimated loss:
| 8.5% | | |
| | | |
|
|
Starting lender yield:
| 24.51% |
Starting borrower rate/APR:
| 25.51% / 27.82% |
Starting monthly payment:
| $1,000.75 |
| |
|
Auction yield range:
| 7.93% - 24.51% |
Estimated loss impact:
| 9.08% | | |
|
Lender servicing fee:
| 1.00% |
Estimated return:
| 15.43% | | |
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:
| Oct-1972 |
Debt/Income ratio:
| 55% |
|
Basic (1-10):
| 5 |
Inquiries last 6m:
| 0 | Employment status: | Full-time employee |
| Enhanced (1-5): | 3 |
Current / open credit lines:
| 15
/
15 | Length of status: | 3y 0m |
|
Credit score:
| 760-779 (Jul-2010) |
Total credit lines:
| 42 |
Occupation: | Analyst |
|
Now delinquent:
| 0 |
Revolving credit balance:
| $80,301 | Stated income: | $50,000-$74,999 |
|
Amount delinquent:
| $0 |
Bankcard utilization:
| 81% | | |
|
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| Yes | | |
|
Delinquencies in last 7y:
| 0 | | | | |
|
Screen name:
| euro-aggregator1 |
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 my credit cards
Purpose of loan:
This loan will be used to?
My financial situation:
I am a good candidate for this loan because I pay my bills on time and have never defaulted on a loan.??I work for the State of California and for the past twelve months, I have not been paid three days each month because of the budget problems.? I am a single woman, with a son and daughter.? My son was laid off and my daughter just graduated from college.? My ex-husband and I split?the mortgage ($3,300) and we tried to refinance (six months ago) and was denied approval.? His income was not considered because he does not reside at the home and my income alone did not?qualify. I have been cash advancing my credit cards to pay the bills and they are now maxed out.? I just need some assistance to pay off my credit cards and lower my monthly output.??
Monthly net income: $2,832.00
Monthly expenses: $?
??Housing: $1,663.00
??Insurance: $144.00
??Car expenses: $ None?
??Utilities: $150.00
??Phone, cable, internet: $110.00
??Food, entertainment: $250.00?
??Clothing, household expenses $50.00
??Credit cards and other loans: $1,600.00
??Other expenses: $ None
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
465474
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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:
| 24.00% |
Starting borrower rate/APR:
| 25.00% / 27.31% |
Starting monthly payment:
| $477.12 |
| |
|
Auction yield range:
| 16.93% - 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:
| Nov-2004 |
Debt/Income ratio:
| 39% |
|
Basic (1-10):
| 5 |
Inquiries last 6m:
| 0 | Employment status: | Full-time employee |
| Enhanced (1-5): | 5 |
Current / open credit lines:
| 4
/
4 | Length of status: | 0y 2m |
|
Credit score:
| 700-719 (Jul-2010) |
Total credit lines:
| 10 |
Occupation: | Other |
|
Now delinquent:
| 0 |
Revolving credit balance:
| $6,877 | Stated income: | $1-$24,999 |
|
Amount delinquent:
| $0 |
Bankcard utilization:
| 58% | | |
|
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| No | | |
|
Delinquencies in last 7y:
| 0 | | | | |
|
Screen name:
| precious-trade4 |
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 car and credit cards
Purpose of loan:
This loan will be used to consolidate the two credit cards i have left before i move next year.
My financial situation:
I am a good candidate for this loan because i am in line for a job at an aviation repair hub in Arkansas. That is the reason for move and with it i will get a pay increase and should have no trouble paying the loan back.
Monthly net income: $ 1400
Monthly expenses: $
??Housing: $ 285
??Insurance: $ 90
??Car expenses: $0
??Utilities: $ 150
??Phone, cable, internet: $0
??Food, entertainment: $ 200
??Clothing, household expenses $ 0
??Credit cards and other loans: $ 300
??Other expenses: $ 200
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
465640
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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:
| 26.25% |
Starting borrower rate/APR:
| 27.25% / 29.59% |
Starting monthly payment:
| $204.80 |
| |
|
Auction yield range:
| 10.93% - 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:
| Jul-1992 |
Debt/Income ratio:
| 13% |
|
Basic (1-10):
| 7 |
Inquiries last 6m:
| 2 | Employment status: | Full-time employee |
| Enhanced (1-5): | 4 |
Current / open credit lines:
| 14
/
11 | Length of status: | 22y 3m |
|
Credit score:
| 640-659 (Jul-2010) |
Total credit lines:
| 35 |
Occupation: | Truck Driver |
|
Now delinquent:
| 0 |
Revolving credit balance:
| $9,333 | Stated income: | $100,000+ |
|
Amount delinquent:
| $0 |
Bankcard utilization:
| 87% | | |
|
Public records last 12m / 10y:
| 0/ 1 |
Homeownership:
| Yes | | |
|
Delinquencies in last 7y:
| 0 | | | | |
|
Screen name:
| excellent-point8 |
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
Equipment rebuild
Purpose of loan:
This loan will be used to? Rebuild equipment
My financial situation:
I am a good candidate for this loan because?
I have worked successfully in the trucking industry for the last 22 years. I have been aproved to buy new equipment but newer isn't always better. Trucks don't last as long and fuel mileage is low- hence lower income. Years ago I wouldn't of even considered rebuilding as an option. But with the economic situation as it stands (up and down) I?won't bury myself in debt with so much uncertainty ahead. Remember, we (trucking) see demand and inventories long before the market does. I am very cautious. ?And per monthly expenses, my wife also works with an?anual income of $28,000. Thank you for any consideration.
Monthly net income: $4,800
Monthly expenses: $
??Housing: $ 1,600
??Insurance: $ 340
??Car expenses: $ 344
??Utilities: $ 120
??Phone, cable, internet: $210
??Food, entertainment: $ 500
??Clothing, household expenses $ 150
??Credit cards and other loans: $ 300
??Other expenses: $ 100
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
465674
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
|
Amount:
| $17,000.00 |
Prosper Rating:
| AA |
Auction Duration:
| 7 days
|
|
Term:
| 36 months |
Estimated loss:
| 1.5% | | |
| | | |
|
|
Starting lender yield:
| 9.38% |
Starting borrower rate/APR:
| 10.38% / 10.73% |
Starting monthly payment:
| $551.58 |
| |
|
Auction yield range:
| 2.93% - 9.38% |
Estimated loss impact:
| 1.51% | | |
|
Lender servicing fee:
| 1.00% |
Estimated return:
| 7.87% | | |
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
|
Prosper scores:
| |
First credit line:
| Mar-1978 |
Debt/Income ratio:
| 29% |
|
Basic (1-10):
| 6 |
Inquiries last 6m:
| 2 | Employment status: | Full-time employee |
| Enhanced (1-5): | 3 |
Current / open credit lines:
| 21
/
16 | Length of status: | 25y 9m |
|
Credit score:
| 820-839 (Jul-2010) |
Total credit lines:
| 56 |
Occupation: | Teacher |
|
Now delinquent:
| 0 |
Revolving credit balance:
| $49,126 | Stated income: | $75,000-$99,999 |
|
Amount delinquent:
| $0 |
Bankcard utilization:
| 52% | | |
|
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| Yes | | |
|
Delinquencies in last 7y:
| 0 | | | | |
|
Screen name:
| pound-promise6 |
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
Desperately need to consolidate
Purpose of loan:
This loan will be used to? consolidate my bills..
My financial situation:
I am a good candidate for this loan because? I pay my bills ontime and usually more than the designated amount due.? I have excellent credit ratings and continue to meet the payments that I have even though it is a struggle. ?I have closed or paid off many of?my credit lines which is not reflected in my credit report.? I have put one son through college and am working on a second one.? I want to meet all my obligations and be debt free!
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
465692
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
|
Amount:
| $1,400.00 |
Prosper Rating:
| E |
Auction Duration:
| 7 days
|
|
Term:
| 36 months |
Estimated loss:
| 14.7% | | |
| | | |
|
|
Starting lender yield:
| 34.00% |
Starting borrower rate/APR:
| 35.00% / 37.93% |
Starting monthly payment:
| $63.33 |
| |
|
Auction yield range:
| 13.93% - 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:
| Aug-2002 |
Debt/Income ratio:
| 27% |
|
Basic (1-10):
| 8 |
Inquiries last 6m:
| 1 | Employment status: | Full-time employee |
| Enhanced (1-5): | 3 |
Current / open credit lines:
| 11
/
8 | Length of status: | 8y 3m |
|
Credit score:
| 620-639 (Jul-2010) |
Total credit lines:
| 19 |
Occupation: | Skilled Labor |
|
Now delinquent:
| 0 |
Revolving credit balance:
| $4,322 | Stated income: | $25,000-$49,999 |
|
Amount delinquent:
| $0 |
Bankcard utilization:
| 94% | | |
|
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| No | | |
|
Delinquencies in last 7y:
| 0 | | | | |
|
Screen name:
| thunder1963 |
Borrower's state:
| Ohio |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
| Loan history | Payment history | Credit score history |
|
Active / total loans:
| 1 / 1 |
On-time:
| 24 ( 100% )
| 620-639 (Latest)
|
|
Principal borrowed:
| $1,200.00 | < 31 days late:
| 0
( 0% )
| 560-579
(May-2008)
|
|
Principal balance:
| $526.35 |
31+ days late:
| 0
( 0% )
|
|
Total payments billed:
| 24 | | |
Description
NEED SMALL REPAIRS AROUND HOUSE
Purpose of loan:
This loan will be used to? i need to do repairs around the house before next winter... furnace needs replaced and some plumbing work... floor in bedroom needs work also..
My financial situation:
I am a good candidate for this loan because? i have a prosper loan now that i have been paying on for a few years now and will be paid off shortly.. all my bills are paid on time and up to date... i realize my score is low but im working very hard to get my credit score higher by paying off or paying down my loans, but unexpected and expensive repairs that have to be done sometimes need a loan to accomplish.. as ive said, all my bills are paid on time and i ask that you help me so i can get these repairs done and you get a good return for helping me out... if you have any concerns or questions, please e-mail me and i will answer you promptly....thank you very much.
Monthly net income: $ 2800
Monthly expenses: $
??Housing: $ 384
??Insurance: $ 83
??Car expenses: $ 60
??Utilities: $ 150
??Phone, cable, internet: $ 60
??Food, entertainment: $ 200
??Clothing, household expenses $ 0
??Credit cards and other loans: $ 450
??Other expenses: $ 0
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
465746
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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:
| 18.00% |
Starting borrower rate/APR:
| 19.00% / 21.22% |
Starting monthly payment:
| $549.84 |
| |
|
Auction yield range:
| 16.93% - 18.00% |
Estimated loss impact:
| 19.00% | | |
|
Lender servicing fee:
| 1.00% |
Estimated return:
| -1.00% | | |
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
|
Prosper scores:
| |
First credit line:
| May-1982 |
Debt/Income ratio:
| Not calculated |
|
Basic (1-10):
| 5 |
Inquiries last 6m:
| 1 | Employment status: | Full-time employee |
| Enhanced (1-5): | 3 |
Current / open credit lines:
| 21
/
18 | Length of status: | 18y 4m |
|
Credit score:
| 720-739 (Jul-2010) |
Total credit lines:
| 48 |
Occupation: | Attorney |
|
Now delinquent:
| 0 |
Revolving credit balance:
| $40,644 | Stated income: | $100,000+ |
|
Amount delinquent:
| $0 |
Bankcard utilization:
| 28% | | |
|
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| Yes | | |
|
Delinquencies in last 7y:
| 0 | | | | |
|
Screen name:
| blue-spirited-velocity |
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
Paying off credit cards
Purpose of loan:
This loan will be used to?
Consolidate credit card obligations and eliminate debt
My financial situation:
I am a good candidate for this loan because?
I have a solid history of paying all my obligations. I am self employed and have been in business over 18 years in the same place
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Information in the Description is not verified.
Borrower Payment Dependent Notes Series
465752
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
|
Amount:
| $5,000.00 |
Prosper Rating:
| E |
Auction Duration:
| 7 days
|
|
Term:
| 36 months |
Estimated loss:
| 14.0% | | |
| | | |
|
|
Starting lender yield:
| 13.93% |
Starting borrower rate/APR:
| 14.93% / 17.10% |
Starting monthly payment:
| $173.16 |
| |
|
Auction yield range:
| 13.93% - 13.93% |
Estimated loss impact:
| 14.60% | | |
|
Lender servicing fee:
| 1.00% |
Estimated return:
| -0.67% | | |
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
|
Prosper scores:
| |
First credit line:
| Dec-1994 |
Debt/Income ratio:
| 12% |
|
Basic (1-10):
| 6 |
Inquiries last 6m:
| 2 | Employment status: | Full-time employee |
| Enhanced (1-5): | 5 |
Current / open credit lines:
| 5
/
4 | Length of status: | 0y 11m |
|
Credit score:
| 640-659 (Jul-2010) |
Total credit lines:
| 18 |
Occupation: | Analyst |
|
Now delinquent:
| 1 |
Revolving credit balance:
| $8,675 | Stated income: | $100,000+ |
|
Amount delinquent:
| $261 |
Bankcard utilization:
| 43% | | |
|
Public records last 12m / 10y:
| 0/ 1 |
Homeownership:
| No | | |
|
Delinquencies in last 7y:
| 0 | | | | |
|
Screen name:
| SoulStar |
Borrower's state:
| Virginia |
Borrower's group:
| Computer & IT Professionals |
Credit and homeownership information was obtained from 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 Green! - no more credit cards
Purpose of loan:
This loan will be used to pay off a credit card.?My objective is to convert my one and only credit card to a fixed rate fixed length loan. I am committed to moving toward a policy of ZERO DEPENDENCY ON CREDIT CARDS.? I have enough cash reserve to pay this credit card off now but I am saving for a modest goal of home ownership. At the end of term for this loan I will be credit card free and moving into MY NEW HOME. With your help, my dream of being rid of credit cards?is within reach. My financial disclosure is 100% verifiable.??
My financial situation:
I am a good candidate for this loan because my debt to income ratio is very low and I pay all my bills on time. I have verifiable pay stubs, bank statements and W-2s. I am working to repair my credit that was damaged as a result of a very bad relationship and abuse of my good fortune. My financial disclosure is 100% verifiable.
Monthly net income: $ 5500
Monthly expenses: $
Housing: $ 600
Insurance: $ 110
Car expenses: $ 690
Utilities: $ 70
Phone, cable, internet: $ 65
Food, entertainment: $ 400
Clothing, household expenses $ 100
Credit cards and other loans: $ 150
Other expenses: $
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
465758
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
|
Amount:
| $15,000.00 |
Prosper Rating:
| HR |
Auction Duration:
| 7 days
|
|
Term:
| 36 months |
Estimated loss:
| 25.0% | | |
| | | |
|
|
Starting lender yield:
| 16.93% |
Starting borrower rate/APR:
| 17.93% / 20.14% |
Starting monthly payment:
| $541.76 |
| |
|
Auction yield range:
| 16.93% - 16.93% |
Estimated loss impact:
| 25.93% | | |
|
Lender servicing fee:
| 1.00% |
Estimated return:
| -9.00% | | |
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
|
Prosper scores:
| |
First credit line:
| Mar-1981 |
Debt/Income ratio:
| 74% |
|
Basic (1-10):
| 2 |
Inquiries last 6m:
| 0 | Employment status: | Full-time employee |
| Enhanced (1-5): | 3 |
Current / open credit lines:
| 14
/
9 | Length of status: | 29y 1m |
|
Credit score:
| 680-699 (Jul-2010) |
Total credit lines:
| 28 |
Occupation: | Analyst |
|
Now delinquent:
| 0 |
Revolving credit balance:
| $10,532 | Stated income: | $25,000-$49,999 |
|
Amount delinquent:
| $0 |
Bankcard utilization:
| 101% | | |
|
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| Yes | | |
|
Delinquencies in last 7y:
| 0 | | | | |
|
Screen name:
| liberty-platoon |
Borrower's state:
| Texas |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Description
Pay off credit cards
Purpose of loan:
I want to pay off credit cards I no longer use in faster time at the best interest I can get. My husband had a loan through you and got a lot of his debt paid. Due to your professional expertise, and working with him he got a lower interest rate which helped him to pay it off faster.
My financial situation:
I am a good candidate for this loan because?I am dependable and will do what it takes to free my debt. I have 4 to 5 credit cards that I can't seem to?get paid off?. I want to be able to pay them off , and pay one monthly payment for the debt.?
Monthly net income: $
32,000.00 to 33,000.00
Monthly expenses: $
??Housing: $ husband pays
??Insurance: $ 600.00
??Car expenses: $ 467.00
??Utilities: $ 300.00
??Phone, cable, internet: $ 128.00
??Food, entertainment: $ 50.00
??Clothing, household expenses $ 50.00
??Credit cards and other loans: $ 500.00
??Other expenses: $ 275.00
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
465764
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
|
Amount:
| $25,000.00 |
Prosper Rating:
| HR |
Auction Duration:
| 7 days
|
|
Term:
| 36 months |
Estimated loss:
| 25.0% | | |
| | | |
|
|
Starting lender yield:
| 24.00% |
Starting borrower rate/APR:
| 25.00% / 27.31% |
Starting monthly payment:
| $994.00 |
| |
|
Auction yield range:
| 16.93% - 24.00% |
Estimated loss impact:
| 26.38% | | |
|
Lender servicing fee:
| 1.00% |
Estimated return:
| -2.38% | | |
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
|
Prosper scores:
| |
First credit line:
| Aug-1995 |
Debt/Income ratio:
| 60% |
|
Basic (1-10):
| 2 |
Inquiries last 6m:
| 1 | Employment status: | Full-time employee |
| Enhanced (1-5): | 3 |
Current / open credit lines:
| 11
/
11 | Length of status: | 19y 0m |
|
Credit score:
| 640-659 (Jul-2010) |
Total credit lines:
| 37 |
Occupation: | Other |
|
Now delinquent:
| 0 |
Revolving credit balance:
| $24,527 | Stated income: | $25,000-$49,999 |
|
Amount delinquent:
| $0 |
Bankcard utilization:
| 98% | | |
|
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| Yes | | |
|
Delinquencies in last 7y:
| 0 | | | | |
|
Screen name:
| wealth-historian |
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
Independent Mom Paying off Debt
Purpose of loan:
This loan will be used to pay down debt faster.? Please keep in mind I am a single mother and have had some situations where when my children were younger I lived off of credit cards.? From life flights of my youngest child and being without pay for 3 months and then my oldest child's father quitting his job and skipping state and not paying child support for 2 years with no back pay etc.? I provide all insurance and the house for my children.? My oldest son is 22 and no longer a dependent.? I have one son at home who is 14.??
My financial situation:
I am a good candidate for this loan because I have been in a stable job for over 19 years.? I have never had a late payment on my credit score but one time due to the attorneys with my divorce having the money in escrow and paying off the mortgage late that was in 2000 and should be wiped off of my credit by now.? I also am a Realtor part time so other monies are a possibility just cant include them.?? I do have retirement account with the commonwealth of pa but cannot use it as income because of the way it is paid out.? Also my deb shows 60 percent? because there is an AES school loan of 14 grand I had to co sign for my son so he could get funding for school.? I have proof he has paid on it faithfully and electronically but it holds me up from being ableto refinance my house as well as consolidate and pay down my debt.? I do have the ability to electronicallyl have monies paid into your account via paypal or my bank account.?
Monthly net income: $ 3200? this includes $2800 income and $400 child support.
Monthly expenses: $
??Housing: $ 611
??Insurance: $ 100
??Car expenses: $ 311
??Utilities: $ 151
??Phone, cable, internet: $ 159
??Food, entertainment: $ 75
??Clothing, household expenses $
??Credit cards and other loans: $ 820
??Other expenses: $ 160
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
465776
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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:
| 16.93% |
Starting borrower rate/APR:
| 17.93% / 20.14% |
Starting monthly payment:
| $72.23 |
| |
|
Auction yield range:
| 16.93% - 16.93% |
Estimated loss impact:
| 18.93% | | |
|
Lender servicing fee:
| 1.00% |
Estimated return:
| -2.00% | | |
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
|
Prosper scores:
| |
First credit line:
| Feb-2006 |
Debt/Income ratio:
| Not calculated |
|
Basic (1-10):
| 5 |
Inquiries last 6m:
| 4 | Employment status: | Full-time employee |
| Enhanced (1-5): | 3 |
Current / open credit lines:
| 10
/
9 | Length of status: | 3y 1m |
|
Credit score:
| 680-699 (Jul-2010) |
Total credit lines:
| 15 |
Occupation: | Skilled Labor |
|
Now delinquent:
| 0 |
Revolving credit balance:
| $1,619 | Stated income: | $25,000-$49,999 |
|
Amount delinquent:
| $0 |
Bankcard utilization:
| 63% | | |
|
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| No | | |
|
Delinquencies in last 7y:
| 0 | | | | |
|
Screen name:
| tender-credit3 |
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
Lower interest rate to pay off
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 like taking care of my credit score and i would never be late.
Monthly net income: $
2800
Monthly expenses: $
??Housing: $?300
??Insurance: $ 200
??Car expenses: $ 500
??Utilities: $ 180
??Phone, cable, internet: $ 150
??Food, entertainment: $ 200
??Clothing, household expenses $ 150
??Credit cards and other loans: $ 150
??Other expenses: $ 100
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
465782
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
|
Amount:
| $1,000.00 |
Prosper Rating:
| A |
Auction Duration:
| 7 days
|
|
Term:
| 36 months |
Estimated loss:
| 2.1% | | |
| | | |
|
|
Starting lender yield:
| 8.28% |
Starting borrower rate/APR:
| 9.28% / 12.83% |
Starting monthly payment:
| $31.93 |
| |
|
Auction yield range:
| 3.93% - 8.28% |
Estimated loss impact:
| 2.12% | | |
|
Lender servicing fee:
| 1.00% |
Estimated return:
| 6.16% | | |
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
|
Prosper scores:
| |
First credit line:
| Aug-1979 |
Debt/Income ratio:
| Self-employed (DTI Not Calculated) |
|
Basic (1-10):
| 8 |
Inquiries last 6m:
| 2 | Employment status: | Self-employed |
| Enhanced (1-5): | 2 |
Current / open credit lines:
| 20
/
18 | Length of status: | 30y 6m |
|
Credit score:
| 780-799 (Jun-2010) |
Total credit lines:
| 50 |
Occupation: | Accountant/CPA |
|
Now delinquent:
| 1 |
Revolving credit balance:
| $4,429 | Stated income: | $75,000-$99,999 |
|
Amount delinquent:
| $35 |
Bankcard utilization:
| 2% | | |
|
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| Yes | | |
|
Delinquencies in last 7y:
| 0 | | | | |
|
Screen name:
| engrossing-platinum0 |
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
Emergency Moving Money
Purpose of loan:
This loan will be used to?
Emergency situation in which I must move closer to a family member who has come down with a sudden illness.
My financial situation:
I am a good candidate for this loan because?
I have positive credit history and have always been responsible with any and all payments.? I am a stickler about keeping my credit in positive standing.
Monthly net income: $
$10,000
Monthly expenses: $
??Housing: $ 5,000
??Insurance: $?300
??Car expenses: $ 1,000
??Utilities: $ 500
??Phone, cable, internet: $ 200?
??Food, entertainment: $?750
??Clothing, household expenses $ 500
??Credit cards and other loans: $ 500
??Other expenses: $ 100
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
465788
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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:
| 29.00% |
Starting borrower rate/APR:
| 30.00% / 32.38% |
Starting monthly payment:
| $382.06 |
| |
|
Auction yield range:
| 16.93% - 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:
| Jun-1997 |
Debt/Income ratio:
| 17% |
|
Basic (1-10):
| 4 |
Inquiries last 6m:
| 1 | Employment status: | Full-time employee |
| Enhanced (1-5): | 5 |
Current / open credit lines:
| 7
/
4 | Length of status: | 7y 0m |
|
Credit score:
| 680-699 (Jul-2010) |
Total credit lines:
| 31 |
Occupation: | Computer Programmer |
|
Now delinquent:
| 0 |
Revolving credit balance:
| $1,976 | Stated income: | $75,000-$99,999 |
|
Amount delinquent:
| $0 |
Bankcard utilization:
| 98% | | |
|
Public records last 12m / 10y:
| 0/ 1 |
Homeownership:
| No | | |
|
Delinquencies in last 7y:
| 0 | | | | |
|
Screen name:
| oborseth |
Borrower's state:
| Colorado |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
| Loan history | Payment history | Credit score history |
|
Active / total loans:
| 1 / 3 |
On-time:
| 37 ( 90% )
| 680-699 (Latest)
|
|
Principal borrowed:
| $6,600.00 | < 31 days late:
| 4
( 10% )
| 680-699
(May-2010)
680-699
(Apr-2008)
620-639
(May-2007)
640-659
(Jul-2006)
|
|
Principal balance:
| $1,120.61 |
31+ days late:
| 0
( 0% )
|
|
Total payments billed:
| 41 | | |
Description
4th Prosper Loan - Long Time User
Purpose of loan:
This loan will be used to pay off my current Prosper loan and pay for our families trip to Brazil in December for our wedding there. I am a long time borrower and lender on Prosper. This will be my 4th loan through Prosper and I have always been a stellar borrower. I don't recall what the 4 late payments were from but I think they were from when I had changed banks didn't update Prosper. As you can see, my credit profile shows 0 delinquencies. The HR rating is completely unwarranted.
Monthly net income: $6000+
Monthly expenses:
??Housing: $1700
??Insurance: $180
??Car expenses: $600
??Utilities: $150
??Phone, cable, internet: $50
??Food, entertainment: $600
??Clothing, household expenses $200
??Credit cards and other loans: $150
Preschool: $750
??Other expenses: $200
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
465794
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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:
| 16.93% |
Starting borrower rate/APR:
| 17.93% / 20.14% |
Starting monthly payment:
| $361.17 |
| |
|
Auction yield range:
| 16.93% - 16.93% |
Estimated loss impact:
| 35.43% | | |
|
Lender servicing fee:
| 1.00% |
Estimated return:
| -18.50% | | |
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:
| Mar-2002 |
Debt/Income ratio:
| 33% |
|
Basic (1-10):
| 1 |
Inquiries last 6m:
| 4 | Employment status: | Full-time employee |
| Enhanced (1-5): | 2 |
Current / open credit lines:
| 11
/
4 | Length of status: | 1y 9m |
|
Credit score:
| 640-659 (Jul-2010) |
Total credit lines:
| 20 |
Occupation: | Analyst |
|
Now delinquent:
| 0 |
Revolving credit balance:
| $913 | Stated income: | $25,000-$49,999 |
|
Amount delinquent:
| $0 |
Bankcard utilization:
| 99% | | |
|
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| No | | |
|
Delinquencies in last 7y:
| 0 | | | | |
|
Screen name:
| likeable-loan381 |
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
Paying off debt
Purpose of loan:
This loan will be used to? pay off debt into one payment
My financial situation:
I am a good candidate for this loan because? I have a job and have been trying to support my children and that is the reason
i have the loans i do i am a good candidate because i have tried each month to make all pmts as should to improve my financial situation.
I feel like consolidating all debts into one loan can help me from feeling so stretched out.
Monthly net income: $ 40000
Monthly expenses: $
??Housing: $?515.00
??Insurance: $ 1000.00
??Car expenses: $ 900.00
??Utilities: $ 313.00
??Phone, cable, internet: $ 200.00
??Food, entertainment: $ 1000.00
??Clothing, household expenses $ 1000.00
??Credit cards and other loans: $ 10000
??Other expenses: $
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
465830
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
|
Amount:
| $1,550.00 |
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% / 37.64% |
Starting monthly payment:
| $70.12 |
| |
|
Auction yield range:
| 16.93% - 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:
| Aug-1993 |
Debt/Income ratio:
| 18% |
|
Basic (1-10):
| 5 |
Inquiries last 6m:
| 1 | Employment status: | Full-time employee |
| Enhanced (1-5): | 3 |
Current / open credit lines:
| 3
/
4 | Length of status: | 2y 0m |
|
Credit score:
| 620-639 (Jun-2010) |
Total credit lines:
| 50 |
Occupation: | Social Worker |
|
Now delinquent:
| 1 |
Revolving credit balance:
| $0 | Stated income: | $50,000-$74,999 |
|
Amount delinquent:
| $309 |
Bankcard utilization:
| 0% | | |
|
Public records last 12m / 10y:
| 0/ 1 |
Homeownership:
| No | | |
|
Delinquencies in last 7y:
| 26 | | | | |
|
Screen name:
| gentle-trade |
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:
| 9 ( 100% )
| 620-639 (Latest)
|
|
Principal borrowed:
| $1,600.00 | < 31 days late:
| 0
( 0% )
| 640-659
(Aug-2009)
|
|
Principal balance:
| $1,308.68 |
31+ days late:
| 0
( 0% )
|
|
Total payments billed:
| 9 | | |
Description
Relocation
Purpose of loan:
My husband and I are moving out of the area due to a new employment opprotunity.? We need this money in order to secure a new place to live and a moving truck.? We are really excited about moving.
My financial situation:
I am a good candidate for this loan because I am a responsible person.? I have excellant income and will be recieving a raise in July.? I may have made mistakes in the past but I am a good person who has learned from those mistake.? I have another prosper loan and have never missed a payment.??I am continuing to work until we move and my new job will pay even more than my current.?
Monthly net income: $ 3778 will be $3990 end of this month
Monthly expenses: $?2185
??Housing: $ 550
??Insurance: $ 160
??Car expenses: $?509
??Utilities: $?400
??Phone, cable, internet: $ 100
??Food, entertainment: $ 50
??Clothing, household expenses $ 0
??Credit cards and other loans: $ 66.00
??Other expenses: $250 student loans
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
465836
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
|
Amount:
| $5,000.00 |
Prosper Rating:
| HR |
Auction Duration:
| 7 days
|
|
Term:
| 36 months |
Estimated loss:
| 25.0% | | |
| | | |
|
|
Starting lender yield:
| 34.00% |
Starting borrower rate/APR:
| 35.00% / 37.45% |
Starting monthly payment:
| $226.18 |
| |
|
Auction yield range:
| 16.93% - 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-1981 |
Debt/Income ratio:
| 16% |
|
Basic (1-10):
| 3 |
Inquiries last 6m:
| 7 | Employment status: | Full-time employee |
| Enhanced (1-5): | 4 |
Current / open credit lines:
| 7
/
7 | Length of status: | 7y 4m |
|
Credit score:
| 640-659 (Jul-2010) |
Total credit lines:
| 31 |
Occupation: | Professional |
|
Now delinquent:
| 0 |
Revolving credit balance:
| $6,904 | Stated income: | $50,000-$74,999 |
|
Amount delinquent:
| $0 |
Bankcard utilization:
| 81% | | |
|
Public records last 12m / 10y:
| 0/ 1 |
Homeownership:
| No | | |
|
Delinquencies in last 7y:
| 3 | | | | |
|
Screen name:
| durability-goliath |
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
Equipment to increase online sales
Purpose of loan:
This loan will be used to purchase a new CD/DVD resurfacing machine for our online video game business. I currently have stock of "unsellable" merchandise because the game discs are scratched. Resurfacing them will allow me me to sell them and get a premium dollars for a MINT game. The machine will also allow me to purchase scratched games at a steep discount which will increase my profit margin.
My financial situation:
I am a good candidate for this loan because I do have the business income to support the loan. But I don't have the cash flow to come up with the money to purchase the machine outright. I could save the money and purchase the machine in 6-9 months but I would miss the holiday rush. My business consists of eBay and Amazon.com online sales, iPhone application sales for our Price Guide application, Quarterly magazine sales for our Print Magazine (Video Game Trader Magazine & Price Guide, currently on issue #16) and, starting this year, I am running a bi-annual Video Game Expo in NJ. The first show is October 23rd 2010 (www.VGTXPO.com).
Monthly net income: Between my eBay.com, Amazon.com, Print Magazine Sales, and iPhone application, I bring in about $2,000 - $3,000 per month (after merchant fees)
Monthly expenses: $ 0. The business is run from a home office so there is no business overhead.
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
465842
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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:
| 8.0% | | |
| | | |
|
|
Starting lender yield:
| 22.63% |
Starting borrower rate/APR:
| 23.63% / 25.92% |
Starting monthly payment:
| $292.79 |
| |
|
Auction yield range:
| 7.93% - 22.63% |
Estimated loss impact:
| 8.54% | | |
|
Lender servicing fee:
| 1.00% |
Estimated return:
| 14.09% | | |
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:
| Dec-1992 |
Debt/Income ratio:
| 44% |
|
Basic (1-10):
| 8 |
Inquiries last 6m:
| 0 | Employment status: | Full-time employee |
| Enhanced (1-5): | 3 |
Current / open credit lines:
| 6
/
6 | Length of status: | 11y 11m |
|
Credit score:
| 700-719 (Jun-2010) |
Total credit lines:
| 20 |
Occupation: | Teacher |
|
Now delinquent:
| 0 |
Revolving credit balance:
| $32,171 | Stated income: | $50,000-$74,999 |
|
Amount delinquent:
| $0 |
Bankcard utilization:
| 89% | | |
|
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| Yes | | |
|
Delinquencies in last 7y:
| 0 | | | | |
|
Screen name:
| WCS1730 |
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
Paying off School
Purpose of loan:
This loan will be used to? to help payback my student loan.
My financial situation:
I am a good candidate for this loan because?? I am a dependable person that takes my responsibilities very seriously.? I have never shied away from a difficult situation. I have never filed bankruptcy or defaulted on any loan.?
Monthly net income: $ 4400
Monthly expenses: $
??Housing: $ 1550
??Insurance: $?80
??Car expenses: $ 316 - will be pad off in Dec. 2010
??Utilities: $?250
??Phone, cable, internet: $ 160
??Food, entertainment: $?300
??Clothing, household expenses $?100
??Credit cards and other loans: $ 600 (student loans)
??Other expenses: $?200 (savings)
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
465848
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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:
| 9.00% |
Starting borrower rate/APR:
| 10.00% / 10.34% |
Starting monthly payment:
| $64.53 |
| |
|
Auction yield range:
| 2.93% - 9.00% |
Estimated loss impact:
| 0.61% | | |
|
Lender servicing fee:
| 1.00% |
Estimated return:
| 8.39% | | |
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
|
Prosper scores:
| |
First credit line:
| Mar-1995 |
Debt/Income ratio:
| 35% |
|
Basic (1-10):
| 10 |
Inquiries last 6m:
| 0 | Employment status: | Full-time employee |
| Enhanced (1-5): | 4 |
Current / open credit lines:
| 9
/
9 | Length of status: | 11y 1m |
|
Credit score:
| 740-759 (Jun-2010) |
Total credit lines:
| 20 |
Occupation: | Tradesman - Plumber |
|
Now delinquent:
| 0 |
Revolving credit balance:
| $49,820 | Stated income: | $25,000-$49,999 |
|
Amount delinquent:
| $0 |
Bankcard utilization:
| 56% | | |
|
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| Yes | | |
|
Delinquencies in last 7y:
| 0 | | | | |
|
Screen name:
| elevated-order3 |
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
To consolidate a high interest loan
Purpose of loan:
This loan will be used to? Pay off a high interest rate credit card. (23.99%)I will get a better rate and paid off in 3 years.
My financial situation:
I am a good candidate for this loan because?
I have good credit score and have never defaulted on a loan or late for a payment.
I have had my secure job for 11 years with public employment.
I have been thinking about prosper for some time now but just never joined up. Now I figure why not pay the interest to private investors instead of the credit card companies. I was married last year and we have been very serious on paying down our credit cards. We have paid down over 3000.00 in last 6 months.
I have no one to vouch for me on here because my state is not a lender state.
Th
Thank you for looking at my loan.
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
465854
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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:
| 1.5% | | |
| | | |
|
|
Starting lender yield:
| 7.43% |
Starting borrower rate/APR:
| 8.43% / 8.77% |
Starting monthly payment:
| $63.07 |
| |
|
Auction yield range:
| 2.93% - 7.43% |
Estimated loss impact:
| 1.50% | | |
|
Lender servicing fee:
| 1.00% |
Estimated return:
| 5.93% | | |
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:
| Nov-1987 |
Debt/Income ratio:
| Self-employed (DTI Not Calculated) |
|
Basic (1-10):
| 9 |
Inquiries last 6m:
| 2 | Employment status: | Self-employed |
| Enhanced (1-5): | 3 |
Current / open credit lines:
| 8
/
7 | Length of status: | 16y 1m |
|
Credit score:
| 840-859 (Jul-2010) |
Total credit lines:
| 30 |
Occupation: | Computer Programmer |
|
Now delinquent:
| 0 |
Revolving credit balance:
| $1,229 | Stated income: | $100,000+ |
|
Amount delinquent:
| $0 |
Bankcard utilization:
| 2% | | |
|
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| Yes | | |
|
Delinquencies in last 7y:
| 0 | | | | |
|
Screen name:
| lucrative-coin |
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
Funds to reinvest on Prosper
Purpose of loan:
This loan will be used to lend to others on Prosper. I really like the idea of cutting the banks out of transactions like this when they pay people next to nothing to hold their money and then charge exorbitant rates for people using credit cards. I already have around twice this amount loaned out on?Prosper.?
My financial situation:
I am a good candidate for this loan because I always pay my bills on time, both my wife and I have high incomes and I carry very low debt.
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
465866
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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:
| 33.15% |
Starting borrower rate/APR:
| 34.15% / 36.59% |
Starting monthly payment:
| $134.27 |
| |
|
Auction yield range:
| 13.93% - 33.15% |
Estimated loss impact:
| 15.53% | | |
|
Lender servicing fee:
| 1.00% |
Estimated return:
| 17.62% | | |
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:
| Sep-1998 |
Debt/Income ratio:
| 12% |
|
Basic (1-10):
| 6 |
Inquiries last 6m:
| 2 | Employment status: | Full-time employee |
| Enhanced (1-5): | 5 |
Current / open credit lines:
| 15
/
13 | Length of status: | 2y 0m |
|
Credit score:
| 640-659 (Jul-2010) |
Total credit lines:
| 27 |
Occupation: | Professional |
|
Now delinquent:
| 0 |
Revolving credit balance:
| $9,430 | Stated income: | $75,000-$99,999 |
|
Amount delinquent:
| $0 |
Bankcard utilization:
| 98% | | |
|
Public records last 12m / 10y:
| 0/ 1 |
Homeownership:
| Yes | | |
|
Delinquencies in last 7y:
| 0 | | | | |
|
Screen name:
| mrbristle |
Borrower's state:
| Massachusetts |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Description
My Bailout
Purpose of loan:
This loan will be used to?
My financial situation:
I am a good candidate for this loan because? Since my last listing, the good news is that I just got a promotion at work with a modest salary increase that will help me achieve my goal of reducing and eventually eliminating my credit card debt that I am currently carrying but still need a little help in getting me over the hump. I know that my listing shows a large number of delinquencies. I am not going to deny that. Unfortunately, my Prosper score is affected by old credit data that is no longer relevant but I can not get it removed as much as I have tried.They were caused by my not being employed from 2002 to mid 2004.? I eventually did something that I am not particularly proud of. I filed bankruptcy midway through 2003 and it was discharged in early 2004. All the delinquent accounts happened prior to the bankruptcy. Prior to the forced early retirement and eventual bankruptcy, my credit was good.? Since that time I have been able to obtain several credit accounts as well as a conventional mortgage with a decent fixed rate. I have been very responsible with my new credit and have not missed any payments or been late with any. My only flaw is that I have pretty much maxed out the credit cards. This recent promotion and salary increase will alleviate the urge to use credit cards going forward. I have a secure job with the U.S. government. In addition to my employment, I am also collecting a monthly pension check from my previous employer of 28 years.? I don?t know what it takes to get my request funded within this forum but I am hoping that there are some savvy investors out there that will look beyond the numbers that are presented on the listing?and can see that this is a win-win situation for both of us and will take the chance and help.? If it would help, ?I have made a?spreadsheet which lists my income sources and expenses which I will gladly provide if requested.? Please feel free to ask any questions. I have nothing to hide. Monthly net income: $
Monthly expenses: $ 2859
??Housing: $ 1619
??Insurance: $ 0
??Car expenses:0 $
??Utilities: $ 150
??Phone, cable, internet: $ 240
??Food, entertainment: $ 150
??Clothing, household expenses $ 50
??Credit cards and other loans: $ 400
??Other expenses: $ 250 (Prosper loan if funded)
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
465874
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
|
Amount:
| $22,800.00 |
Prosper Rating:
| HR |
Auction Duration:
| 7 days
|
|
Term:
| 36 months |
Estimated loss:
| 18.0% | | |
| | | |
|
|
Starting lender yield:
| 16.93% |
Starting borrower rate/APR:
| 17.93% / 20.14% |
Starting monthly payment:
| $823.47 |
| |
|
Auction yield range:
| 16.93% - 16.93% |
Estimated loss impact:
| 18.93% | | |
|
Lender servicing fee:
| 1.00% |
Estimated return:
| -2.00% | | |
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
|
Prosper scores:
| |
First credit line:
| Nov-1995 |
Debt/Income ratio:
| 67% |
|
Basic (1-10):
| 4 |
Inquiries last 6m:
| 1 | Employment status: | Part-time employee |
| Enhanced (1-5): | 3 |
Current / open credit lines:
| 15
/
14 | Length of status: | 2y 11m |
|
Credit score:
| 720-739 (Jul-2010) |
Total credit lines:
| 60 |
Occupation: | Other |
|
Now delinquent:
| 0 |
Revolving credit balance:
| $21,194 | Stated income: | $25,000-$49,999 |
|
Amount delinquent:
| $0 |
Bankcard utilization:
| 77% | | |
|
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| Yes | | |
|
Delinquencies in last 7y:
| 0 | | | | |
|
Screen name:
| brightest-mighty-credit |
Borrower's state:
| Washington |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Description
Paying debt off for a better future
Purpose of loan:To consolidate my existing debt while I am in college so I can pay it all off in 3 years.
This loan will be used to?Pay off credit debt
My financial situation:I am currently in school full-time for Psychology and a business minor. I work for L'Oreal USA; Designer Fragrance Division as an Account Representative, as well as own a rental property. I have a roommate that helps me pay the home I currently have a mortgage on.
I am a good candidate for this loan because?I am very responsible with my money and credit. I am very self-motivated, honest and friendly individual with many goals for my future. I want to succeed in my goals and eventually provide counseling and other services for those less fortunate.
Monthly net income: $ $2,626.00
Monthly expenses: $ $1874.28
??Housing: $562.28
??Insurance: $68.00
??Car expenses: $306.00
??Utilities: $191.00
??Phone, cable, internet: $68.00
??Food, entertainment: $420
??Clothing, household expenses $100
??Credit cards and other loans: $679.00
??Other expenses: $70 for gas monthly
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
465892
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
|
Amount:
| $2,500.00 |
Prosper Rating:
| D |
Auction Duration:
| 7 days
|
|
Term:
| 36 months |
Estimated loss:
| 10.0% | | |
| | | |
|
|
Starting lender yield:
| 20.99% |
Starting borrower rate/APR:
| 21.99% / 24.25% |
Starting monthly payment:
| $95.46 |
| |
|
Auction yield range:
| 10.93% - 20.99% |
Estimated loss impact:
| 10.51% | | |
|
Lender servicing fee:
| 1.00% |
Estimated return:
| 10.48% | | |
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
|
Prosper scores:
| |
First credit line:
| Jun-1993 |
Debt/Income ratio:
| Not calculated |
|
Basic (1-10):
| 8 |
Inquiries last 6m:
| 0 | Employment status: | Full-time employee |
| Enhanced (1-5): | 5 |
Current / open credit lines:
| 12
/
11 | Length of status: | 3y 4m |
|
Credit score:
| 680-699 (Jul-2010) |
Total credit lines:
| 25 |
Occupation: | Sales - Commission |
|
Now delinquent:
| 0 |
Revolving credit balance:
| $17,902 | Stated income: | $25,000-$49,999 |
|
Amount delinquent:
| $0 |
Bankcard utilization:
| 94% | | |
|
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| Yes | | |
|
Delinquencies in last 7y:
| 0 | | | | |
|
Screen name:
| impeccable-credit0 |
Borrower's state:
| Virginia |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Description
Debt Consolidation
Purpose of loan:
This loan will be used to pay off?one credit cards that have raised my interest rate sky high with no good reason.? ?
My financial situation:
I am a good candidate for this loan because I am a responsible borrower.?My household income is in excess of $130,000 (includes my husbband's salary)?
Monthly net income: $ 3800
Monthly expenses: $ 3200
??Housing: $ 1000
??Insurance: $ 50
??Car expenses: $ 650
??Utilities: $ 120
??Phone, cable, internet: $ 50
??Food, entertainment: $ 500
??Clothing, household expenses $ 100
??Credit cards and other loans: $ 500
??Other expenses: $ 50
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
465902
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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:
| 16.93% - 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-1997 |
Debt/Income ratio:
| 42% |
|
Basic (1-10):
| 5 |
Inquiries last 6m:
| 3 | Employment status: | Full-time employee |
| Enhanced (1-5): | 1 |
Current / open credit lines:
| 6
/
6 | Length of status: | 2y 1m |
|
Credit score:
| 640-659 (Jul-2010) |
Total credit lines:
| 14 |
Occupation: | Landscaping |
|
Now delinquent:
| 0 |
Revolving credit balance:
| $34,861 | Stated income: | $50,000-$74,999 |
|
Amount delinquent:
| $0 |
Bankcard utilization:
| 96% | | |
|
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| No | | |
|
Delinquencies in last 7y:
| 0 | | | | |
|
Screen name:
| nourishing-ore |
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
Consolidating investment debt.
Purpose of loan:
This loan will be used to?
Consolidate investment debt into one payment and allow me to pay back faster.
My financial situation:
I am a good candidate for this loan because?
I always make monthly payments on time and have never missed a payment in my life. I'm a?very responsible person and will pay my creditors back.??????????
Monthly net income: $
3800.00 + some times more
Monthly expenses: $
??Housing: $ 1000.00?
??Insurance: $ 80.00
??Car expenses: $ 0
??Utilities: $ 40.00
??Phone, cable, internet: $?100.00
??Food, entertainment: $ 200.00
??Clothing, household expenses $ 100.00
??Credit cards and other loans: $300.00
??Other expenses: $ 0
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
465904
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
|
Amount:
| $25,000.00 |
Prosper Rating:
| D |
Auction Duration:
| 7 days
|
|
Term:
| 36 months |
Estimated loss:
| 10.0% | | |
| | | |
|
|
Starting lender yield:
| 10.93% |
Starting borrower rate/APR:
| 11.93% / 14.06% |
Starting monthly payment:
| $829.52 |
| |
|
Auction yield range:
| 10.93% - 10.93% |
Estimated loss impact:
| 10.23% | | |
|
Lender servicing fee:
| 1.00% |
Estimated return:
| 0.70% | | |
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:
| Jul-1985 |
Debt/Income ratio:
| 50% |
|
Basic (1-10):
| 6 |
Inquiries last 6m:
| 1 | Employment status: | Full-time employee |
| Enhanced (1-5): | 2 |
Current / open credit lines:
| 17
/
13 | Length of status: | 28y 5m |
|
Credit score:
| 700-719 (Jul-2010) |
Total credit lines:
| 67 |
Occupation: | Military Enlisted |
|
Now delinquent:
| 0 |
Revolving credit balance:
| $182,520 | Stated income: | $75,000-$99,999 |
|
Amount delinquent:
| $0 |
Bankcard utilization:
| 80% | | |
|
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| Yes | | |
|
Delinquencies in last 7y:
| 0 | | | | |
|
Screen name:
| exact-finance3 |
Borrower's state:
| Florida |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Description
My personal loan
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: $ 0
??Phone, cable, internet: $
??Food, entertainment: $300
??Clothing, household expenses $
??Credit cards and other loans: $
??Other expenses: $
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
465908
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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:
| 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:
| $181.91 |
| |
|
Auction yield range:
| 10.93% - 25.25% |
Estimated loss impact:
| 10.62% | | |
|
Lender servicing fee:
| 1.00% |
Estimated return:
| 14.63% | | |
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
|
Prosper scores:
| |
First credit line:
| Jul-1995 |
Debt/Income ratio:
| Self-employed (DTI Not Calculated) |
|
Basic (1-10):
| 7 |
Inquiries last 6m:
| 0 | Employment status: | Self-employed |
| Enhanced (1-5): | 5 |
Current / open credit lines:
| 2
/
2 | Length of status: | 3y 8m |
|
Credit score:
| 700-719 (Jul-2010) |
Total credit lines:
| 10 |
Occupation: | Other |
|
Now delinquent:
| 0 |
Revolving credit balance:
| $4,595 | Stated income: | $25,000-$49,999 |
|
Amount delinquent:
| $0 |
Bankcard utilization:
| 54% | | |
|
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| No | | |
|
Delinquencies in last 7y:
| 2 | | | | |
|
Screen name:
| fund-solstice5 |
Borrower's state:
| Illinois |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Description
Paying off high interest debt
Purpose of loan:
This loan will be used to pay off high interest debt.
My financial situation:
I am a good candidate for this loan because I think I can pay this debt off in the next 8 months but would like to do so at a lower rate.
Monthly net income: $
2500
Monthly expenses: $
??Housing: $
600
??Insurance: $
120
??Car expenses: $
??Utilities: $ 80
??Phone, cable, internet: $ 80
??Food, entertainment: $ 300
??Clothing, household expenses $
100
??Credit cards and other loans: $
??Other expenses: $
100
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
465920
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
|
Amount:
| $8,850.00 |
Prosper Rating:
| E |
Auction Duration:
| 7 days
|
|
Term:
| 36 months |
Estimated loss:
| 14.0% | | |
| | | |
|
|
Starting lender yield:
| 31.50% |
Starting borrower rate/APR:
| 32.50% / 34.92% |
Starting monthly payment:
| $387.92 |
| |
|
Auction yield range:
| 13.93% - 31.50% |
Estimated loss impact:
| 15.45% | | |
|
Lender servicing fee:
| 1.00% |
Estimated return:
| 16.05% | | |
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:
| Jun-1999 |
Debt/Income ratio:
| 17% |
|
Basic (1-10):
| 6 |
Inquiries last 6m:
| 0 | Employment status: | Full-time employee |
| Enhanced (1-5): | 5 |
Current / open credit lines:
| 11
/
4 | Length of status: | 8y 0m |
|
Credit score:
| 640-659 (Jul-2010) |
Total credit lines:
| 25 |
Occupation: | Other |
|
Now delinquent:
| 0 |
Revolving credit balance:
| $3,544 | Stated income: | $50,000-$74,999 |
|
Amount delinquent:
| $0 |
Bankcard utilization:
| 57% | | |
|
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| No | | |
|
Delinquencies in last 7y:
| 0 | | | | |
|
Screen name:
| octosincity |
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:
| 22 ( 100% )
| 640-659 (Latest)
|
|
Principal borrowed:
| $3,000.00 | < 31 days late:
| 0
( 0% )
| 700-719
(Jun-2010)
560-579
(Aug-2008)
560-579
(Jul-2008)
560-579
(May-2008)
|
|
Principal balance:
| $1,005.00 |
31+ days late:
| 0
( 0% )
|
|
Total payments billed:
| 22 | | |
Description
Pay Debt and Start Online Biz
Purpose of loan:
This loan is going to be used to pay off debt and to start a new business venture. I need to clear off my credit card debt before I start my online business ventures. I got up to 83% funded last week - lets get to 100% this week.
My financial situation:
I am a good candidate for this loan because, I checked my credit score, and it is NOT what Prosper says it is, but it is a 704.Experian is what I use. I am a returning member of PROSPER and this is my 2nd loan that I need. I am almost done with the first loan from 2008, but now I need some more money to get things going. I have NEVER missed a payment, and I tend to get decent Christmas bonuses from my job that I can make a bigger payment in January.
Monthly net income: $ 5775.00
Monthly expenses: $
??Housing: $ 700
??Insurance: $ 81
??Car expenses: $ 207
??Utilities: $
??Phone, cable, internet: $ 85
??Food, entertainment: $ 400
??Clothing, household expenses $ 40
??Credit cards and other loans: $ 1000
??Other expenses: $
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
465952
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
|
Amount:
| $25,000.00 |
Prosper Rating:
| D |
Auction Duration:
| 7 days
|
|
Term:
| 36 months |
Estimated loss:
| 10.0% | | |
| | | |
|
|
Starting lender yield:
| 10.93% |
Starting borrower rate/APR:
| 11.93% / 14.06% |
Starting monthly payment:
| $829.52 |
| |
|
Auction yield range:
| 10.93% - 10.93% |
Estimated loss impact:
| 10.23% | | |
|
Lender servicing fee:
| 1.00% |
Estimated return:
| 0.70% | | |
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-1994 |
Debt/Income ratio:
| 21% |
|
Basic (1-10):
| 6 |
Inquiries last 6m:
| 0 | Employment status: | Full-time employee |
| Enhanced (1-5): | 3 |
Current / open credit lines:
| 14
/
14 | Length of status: | 6y 5m |
|
Credit score:
| 740-759 (Jul-2010) |
Total credit lines:
| 38 |
Occupation: | Accountant/CPA |
|
Now delinquent:
| 0 |
Revolving credit balance:
| $109,585 | Stated income: | $100,000+ |
|
Amount delinquent:
| $0 |
Bankcard utilization:
| 89% | | |
|
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| Yes | | |
|
Delinquencies in last 7y:
| 0 | | | | |
|
Screen name:
| top-reliable-platinum |
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 please!
Purpose of loan:
This loan will be used to? pay off my high interest rate credit cards
My financial situation:
I am a good candidate for this loan because? I have been workign FT for the same company for over 6 years as a Controller.
Monthly net income: $ 7,000
Monthly expenses: $
??Housing: $ 3500
??Insurance: $ 200
??Car expenses: $?250
??Utilities: $ 0
??Phone, cable, internet: $ 500
??Food, entertainment: $?800
??Clothing, household expenses $ 300
??Credit cards and other loans: $ 2000
??Other expenses: $ 0
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
465956
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
|
Amount:
| $6,300.00 |
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:
| $258.04 |
| |
|
Auction yield range:
| 10.93% - 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:
| Mar-2000 |
Debt/Income ratio:
| Not calculated |
|
Basic (1-10):
| 7 |
Inquiries last 6m:
| 1 | Employment status: | Full-time employee |
| Enhanced (1-5): | 4 |
Current / open credit lines:
| 10
/
9 | Length of status: | 5y 9m |
|
Credit score:
| 680-699 (Jul-2010) |
Total credit lines:
| 20 |
Occupation: | Other |
|
Now delinquent:
| 0 |
Revolving credit balance:
| $22,558 | Stated income: | $75,000-$99,999 |
|
Amount delinquent:
| $0 |
Bankcard utilization:
| 47% | | |
|
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| No | | |
|
Delinquencies in last 7y:
| 0 | | | | |
|
Screen name:
| friendly-greenback789 |
Borrower's state:
| NewYork |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Description
My personal Loan
Purpose of loan:
Personal
My financial situation:
I am a good candidate for this loan because I have never defaulted on any loans in my life and have a good credit score
Monthly net income: $
84000
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
465958
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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:
| 21.00% |
Starting borrower rate/APR:
| 22.00% / 24.26% |
Starting monthly payment:
| $190.95 |
| |
|
Auction yield range:
| 16.93% - 21.00% |
Estimated loss impact:
| 19.19% | | |
|
Lender servicing fee:
| 1.00% |
Estimated return:
| 1.81% | | |
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
|
Prosper scores:
| |
First credit line:
| Mar-1985 |
Debt/Income ratio:
| 7% |
|
Basic (1-10):
| 4 |
Inquiries last 6m:
| 2 | Employment status: | Full-time employee |
| Enhanced (1-5): | 4 |
Current / open credit lines:
| 15
/
12 | Length of status: | 9y 3m |
|
Credit score:
| 680-699 (Jul-2010) |
Total credit lines:
| 37 |
Occupation: | Attorney |
|
Now delinquent:
| 1 |
Revolving credit balance:
| $21,911 | Stated income: | $100,000+ |
|
Amount delinquent:
| $3,384 |
Bankcard utilization:
| 93% | | |
|
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| Yes | | |
|
Delinquencies in last 7y:
| 3 | | | | |
|
Screen name:
| obedient-coin1 |
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 debts
Purpose of loan:
This loan will be used to?
This loan will be used to pay off credit card debt.? I have left an abusive marriage in the last year and want to pay off all debt.
My financial situation:
I am a good candidate for this loan because I have been employed as an attorney for 25 years and have an excellent job as a government attorney with civil service protection.
Monthly net income: $ 11000
Monthly expenses: $
??Housing: $ 2500????????????
??Insurance: $ 84????
??Car expenses: $0?????????
??Utilities: $ 175
??Phone, cable, internet: $ 200????
??Food, entertainment: $ 600
??Clothing, household expenses $40
??Credit cards and other loans: $ 800
??Other expenses: $
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
465960
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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:
| AA |
Auction Duration:
| 7 days
|
|
Term:
| 36 months |
Estimated loss:
| 1.5% | | |
| | | |
|
|
Starting lender yield:
| 8.38% |
Starting borrower rate/APR:
| 9.38% / 9.72% |
Starting monthly payment:
| $383.72 |
| |
|
Auction yield range:
| 2.93% - 8.38% |
Estimated loss impact:
| 1.50% | | |
|
Lender servicing fee:
| 1.00% |
Estimated return:
| 6.88% | | |
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-1977 |
Debt/Income ratio:
| 10% |
|
Basic (1-10):
| 7 |
Inquiries last 6m:
| 1 | Employment status: | Full-time employee |
| Enhanced (1-5): | 5 |
Current / open credit lines:
| 4
/
4 | Length of status: | 5y 6m |
|
Credit score:
| 800-819 (Jul-2010) |
Total credit lines:
| 6 |
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:
| No | | |
|
Delinquencies in last 7y:
| 0 | | | | |
|
Screen name:
| dedication-hercules |
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:
| 7 ( 100% )
| 800-819 (Latest)
|
|
Principal borrowed:
| $15,000.00 | < 31 days late:
| 0
( 0% )
| 740-759
(Nov-2009)
|
|
Principal balance:
| $12,579.37 |
31+ days late:
| 0
( 0% )
|
|
Total payments billed:
| 7 | | |
Description
Working Capital for Large Orders
Purpose of loan:
I own a luxury landscape design company that also sells our own brand of premium, modern plant containers.? I would like to borrow $12,000 to be used as working capital when excepting new,?larger orders coming in from the Hyatt and other commercial projects.? These companies require NET 30 terms so we need to make sure that there is enough money in our accounts to handle the 30 day payment delay on these orders.? This money will be easily repaid with?the profits associated with these orders.
My financial situation:
I am a good candidate for this loan because I have already used Prosper several months ago to borrow money to fund an exciting collaborative venture and start selling our products overseas.? Since then,?I have been making all payments on time and?the business is?doing better than ever thanks to the marketing collateral and sales binders we invested that money into.
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
465962
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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:
| 10.93% - 26.25% |
Estimated loss impact:
| 10.65% | | |
|
Lender servicing fee:
| 1.00% |
Estimated return:
| 15.60% | | |
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
|
Prosper scores:
| |
First credit line:
| Aug-1999 |
Debt/Income ratio:
| 22% |
|
Basic (1-10):
| 8 |
Inquiries last 6m:
| 0 | Employment status: | Full-time employee |
| Enhanced (1-5): | 5 |
Current / open credit lines:
| 10
/
10 | Length of status: | 3y 4m |
|
Credit score:
| 680-699 (Jul-2010) |
Total credit lines:
| 52 |
Occupation: | Other |
|
Now delinquent:
| 0 |
Revolving credit balance:
| $13,071 | Stated income: | $75,000-$99,999 |
|
Amount delinquent:
| $0 |
Bankcard utilization:
| 79% | | |
|
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| Yes | | |
|
Delinquencies in last 7y:
| 0 | | | | |
|
Screen name:
| lively-contract967 |
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
Fight for Custody of my Children
Purpose of loan:
This loan will be used to pay for my lawyert to fight my for custody of my children.
My financial situation:
I am a good candidate for this loan because I am very responsible and will pay pack all my debt, I am just in a bind because my ex-wife will not settle out of court, and I am left with no choice but to hire a lawyer to fight for my kids.
Monthly net income: $ 4500
Monthly expenses: $
??Housing: $
??Insurance: $
??Car expenses: $ 350
??Utilities: $
??Phone, cable, internet: $
??Food, entertainment: $ 600
??Clothing, household expenses $
??Credit cards and other loans: $?1100
??Other expenses: $ 1000
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
465966
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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:
| 26.33% |
Starting borrower rate/APR:
| 27.33% / 29.67% |
Starting monthly payment:
| $205.01 |
| |
|
Auction yield range:
| 10.93% - 26.33% |
Estimated loss impact:
| 10.65% | | |
|
Lender servicing fee:
| 1.00% |
Estimated return:
| 15.68% | | |
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
|
Prosper scores:
| |
First credit line:
| Sep-2002 |
Debt/Income ratio:
| 32% |
|
Basic (1-10):
| 7 |
Inquiries last 6m:
| 2 | Employment status: | Full-time employee |
| Enhanced (1-5): | 3 |
Current / open credit lines:
| 13
/
11 | Length of status: | 10y 10m |
|
Credit score:
| 700-719 (Jul-2010) |
Total credit lines:
| 21 |
Occupation: | Administrative Assi... |
|
Now delinquent:
| 0 |
Revolving credit balance:
| $2,448 | Stated income: | $25,000-$49,999 |
|
Amount delinquent:
| $0 |
Bankcard utilization:
| 19% | | |
|
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| No | | |
|
Delinquencies in last 7y:
| 0 | | | | |
|
Screen name:
| top-revenue-mate |
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
Paying down unexpected expenses
Purpose of loan:
This loan will be used?to pay the IRS unexpected penalties incurred and?car repairs to insure safety of my 2yr old.
My financial situation:
I am a good candidate for this loan because I have?stable?employment at a company I've been at for?10yrs?with reliable source of income and a reputable credit history.??
Monthly net income: $ 2608.32
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
465968
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
|
Amount:
| $6,000.00 |
Prosper Rating:
| HR |
Auction Duration:
| 7 days
|
|
Term:
| 36 months |
Estimated loss:
| 34.5% | | |
| | | |
|
|
Starting lender yield:
| 34.00% |
Starting borrower rate/APR:
| 35.00% / 37.45% |
Starting monthly payment:
| $271.42 |
| |
|
Auction yield range:
| 16.93% - 34.00% |
Estimated loss impact:
| 36.51% | | |
|
Lender servicing fee:
| 1.00% |
Estimated return:
| -2.51% | | |
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
|
Prosper scores:
| |
First credit line:
| Nov-2002 |
Debt/Income ratio:
| 3% |
|
Basic (1-10):
| 1 |
Inquiries last 6m:
| 9 | Employment status: | Full-time employee |
| Enhanced (1-5): | 4 |
Current / open credit lines:
| 6
/
5 | Length of status: | 4y 1m |
|
Credit score:
| 640-659 (Jul-2010) |
Total credit lines:
| 14 |
Occupation: | Professional |
|
Now delinquent:
| 1 |
Revolving credit balance:
| $1,151 | Stated income: | $100,000+ |
|
Amount delinquent:
| $146 |
Bankcard utilization:
| 64% | | |
|
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| No | | |
|
Delinquencies in last 7y:
| 0 | | | | |
|
Screen name:
| kind-progressive-money |
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
Risk Free Loan to Pay Downpayment
Purpose of loan:
This loan will be used to help towards the down payment on a family car. The vehicle is a 2008 Mercedes Benz E63 AMG with a value of 66k and 12k miles. The VIN is WDBUF77XX8B260674.
My financial situation:
I am a good candidate for this loan because I have a very good borrowing history. I am also using this to build my credit history. My Experian credit score stands at 760, and across the three credit rating bureaus my score ranges from 659-760.
I also have a very low debt/income ratio, my income far exceeds my monthly budget threefold. The main reason for my need for a loan is a matter of immediate liquidity to fund the purchase of the vehicle.
Monthly net income: $ 11000
Monthly expenses: $ 3700
??Housing: $
2000
??Insurance: $
200
??Car expenses: $
500
??Utilities: $
100
??Phone, cable, internet: $ 300
??Food, entertainment: $ 300
??Clothing, household expenses $
250
??Credit cards and other loans: $ 50
??Other expenses: $
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
465974
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
|
Amount:
| $5,000.00 |
Prosper Rating:
| AA |
Auction Duration:
| 7 days
|
|
Term:
| 36 months |
Estimated loss:
| 1.5% | | |
| | | |
|
|
Starting lender yield:
| 7.30% |
Starting borrower rate/APR:
| 8.30% / 8.64% |
Starting monthly payment:
| $157.37 |
| |
|
Auction yield range:
| 2.93% - 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:
| Apr-1981 |
Debt/Income ratio:
| 16% |
|
Basic (1-10):
| 9 |
Inquiries last 6m:
| 1 | Employment status: | Full-time employee |
| Enhanced (1-5): | 5 |
Current / open credit lines:
| 11
/
11 | Length of status: | 1y 10m |
|
Credit score:
| 820-839 (Jul-2010) |
Total credit lines:
| 32 |
Occupation: | Professional |
|
Now delinquent:
| 0 |
Revolving credit balance:
| $7,701 | Stated income: | $75,000-$99,999 |
|
Amount delinquent:
| $0 |
Bankcard utilization:
| 23% | | |
|
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| Yes | | |
|
Delinquencies in last 7y:
| 0 | | | | |
|
Screen name:
| profmichele |
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.
Prosper Activity
| Loan history | Payment history | Credit score history |
|
Active / total loans:
| 1 / 1 |
On-time:
| 23 ( 100% )
| 820-839 (Latest)
|
|
Principal borrowed:
| $10,000.00 | < 31 days late:
| 0
( 0% )
| 760-779
(Jul-2008)
|
|
Principal balance:
| $3,983.12 |
31+ days late:
| 0
( 0% )
|
|
Total payments billed:
| 23 | | |
Description
Home improvement
Purpose of loan:
This loan will be used to return the front of my house--a second floor bay and the cornice at the top of the house--to the original design when the house was built 100+ years ago..?? They are now covered with aluminum siding and look ugly!?
My financial situation:
I am a good candidate for this loan because in addition to my salary from Drexel University, I also have consulting income. My last consulting contract was for $3000; one I am meeting on next week is for $7000.? I have very high credit scores--I just pulled them from all three reporting agencies.??They are considered "above average," "super?prime," and "A" from the three agencies.? I am also one year away from paying off my first Prosper loan.
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
465976
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
|
Amount:
| $4,000.00 |
Prosper Rating:
| C |
Auction Duration:
| 7 days
|
|
Term:
| 36 months |
Estimated loss:
| 7.0% | | |
| | | |
|
|
Starting lender yield:
| 19.88% |
Starting borrower rate/APR:
| 20.88% / 23.13% |
Starting monthly payment:
| $150.45 |
| |
|
Auction yield range:
| 7.93% - 19.88% |
Estimated loss impact:
| 7.46% | | |
|
Lender servicing fee:
| 1.00% |
Estimated return:
| 12.42% | | |
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
|
Prosper scores:
| |
First credit line:
| Aug-2001 |
Debt/Income ratio:
| 23% |
|
Basic (1-10):
| 6 |
Inquiries last 6m:
| 5 | Employment status: | Full-time employee |
| Enhanced (1-5): | 2 |
Current / open credit lines:
| 11
/
8 | Length of status: | 2y 0m |
|
Credit score:
| 760-779 (Jul-2010) |
Total credit lines:
| 29 |
Occupation: | Police Officer/Corr... |
|
Now delinquent:
| 0 |
Revolving credit balance:
| $11,599 | Stated income: | $50,000-$74,999 |
|
Amount delinquent:
| $0 |
Bankcard utilization:
| 56% | | |
|
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| Yes | | |
|
Delinquencies in last 7y:
| 0 | | | | |
|
Screen name:
| knight3136 |
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
Consolidating My debts
Purpose of loan:
This loan will be used to consolidate my debt. I have a Bank of America Credit Card with a 29.99% and Chase with a 24.99%. If I combined both to a low rate I will be have more money not only to pay this loan faster but to invest more and help others on prosper.
My financial situation:
I am a good candidate for this loan because i have never been late paying my debt and I'm also a lender for prosper. I will probably have this loan payoff within 1 year. I'm never late in paying my bills. As a police officer I'm a very responsible person.
Monthly net income: $
$3200
Monthly expenses: $
??Housing: $ 600
??Insurance: $
178
??Car expenses: $? 425
??Utilities: $
175.00
??Phone, cable, internet: $
86.00
??Food, entertainment: $
300
??Clothing, household expenses $
100
??Credit cards and other loans: $ 800
??Other expenses: $
100
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
465980
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
|
Amount:
| $25,000.00 |
Prosper Rating:
| D |
Auction Duration:
| 7 days
|
|
Term:
| 36 months |
Estimated loss:
| 10.0% | | |
| | | |
|
|
Starting lender yield:
| 10.99% |
Starting borrower rate/APR:
| 11.99% / 14.12% |
Starting monthly payment:
| $830.24 |
| |
|
Auction yield range:
| 10.93% - 10.99% |
Estimated loss impact:
| 10.23% | | |
|
Lender servicing fee:
| 1.00% |
Estimated return:
| 0.76% | | |
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
|
Prosper scores:
| |
First credit line:
| Mar-1984 |
Debt/Income ratio:
| 64% |
|
Basic (1-10):
| 7 |
Inquiries last 6m:
| 0 | Employment status: | Full-time employee |
| Enhanced (1-5): | 4 |
Current / open credit lines:
| 17
/
16 | Length of status: | 23y 0m |
|
Credit score:
| 720-739 (Jul-2010) |
Total credit lines:
| 50 |
Occupation: | Retail Management |
|
Now delinquent:
| 0 |
Revolving credit balance:
| $82,167 | Stated income: | $75,000-$99,999 |
|
Amount delinquent:
| $0 |
Bankcard utilization:
| 61% | | |
|
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| No | | |
|
Delinquencies in last 7y:
| 0 | | | | |
|
Screen name:
| the-goal-funds |
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?
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
465982
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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:
| 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:
| $345.92 |
| |
|
Auction yield range:
| 5.93% - 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:
| Aug-1989 |
Debt/Income ratio:
| 23% |
|
Basic (1-10):
| 8 |
Inquiries last 6m:
| 0 | Employment status: | Full-time employee |
| Enhanced (1-5): | 5 |
Current / open credit lines:
| 13
/
13 | Length of status: | 3y 3m |
|
Credit score:
| 720-739 (Jul-2010) |
Total credit lines:
| 56 |
Occupation: | Professional |
|
Now delinquent:
| 0 |
Revolving credit balance:
| $20,885 | Stated income: | $100,000+ |
|
Amount delinquent:
| $0 |
Bankcard utilization:
| 73% | | |
|
Public records last 12m / 10y:
| 1/ 3 |
Homeownership:
| Yes | | |
|
Delinquencies in last 7y:
| 0 | | | | |
|
Screen name:
| supreme-worth1 |
Borrower's state:
| Michigan |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Description
Pay off Debt
This loan will be used for debt consolidation and help with moving expenses.
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
465986
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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:
| 17.00% |
Starting borrower rate/APR:
| 18.00% / 20.21% |
Starting monthly payment:
| $361.52 |
| |
|
Auction yield range:
| 16.93% - 17.00% |
Estimated loss impact:
| 18.94% | | |
|
Lender servicing fee:
| 1.00% |
Estimated return:
| -1.94% | | |
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
|
Prosper scores:
| |
First credit line:
| Jul-2000 |
Debt/Income ratio:
| 45% |
|
Basic (1-10):
| 4 |
Inquiries last 6m:
| 1 | Employment status: | Full-time employee |
| Enhanced (1-5): | 3 |
Current / open credit lines:
| 8
/
8 | Length of status: | 0y 2m |
|
Credit score:
| 640-659 (Jul-2010) |
Total credit lines:
| 38 |
Occupation: | Waiter/Waitress |
|
Now delinquent:
| 0 |
Revolving credit balance:
| $9,279 | Stated income: | $25,000-$49,999 |
|
Amount delinquent:
| $0 |
Bankcard utilization:
| 95% | | |
|
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| No | | |
|
Delinquencies in last 7y:
| 5 | | | | |
|
Screen name:
| rate-futurist0 |
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 Credit Cards
Purpose of loan:
This loan will be used to pay off my high interest credit cards.
My financial situation:
I was laid off at the end of 2009 and have been bartending to make ends meet until I find professional employment. Having my high interest rate credit cards paid off will help me to save money that would otherwise be paid in high interest fees.
Monthly net income: $2300
Monthly expenses: $
??Housing: $0
??Insurance: $150
??Car expenses: $500
??Utilities: $0
??Phone, cable, internet: $75
??Food, entertainment: $300
??Clothing, household expenses $125
??Credit cards and other loans: $315
??Other expenses: $325
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
465994
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
|
Amount:
| $2,800.00 |
Prosper Rating:
| D |
Auction Duration:
| 7 days
|
|
Term:
| 36 months |
Estimated loss:
| 10.0% | | |
| | | |
|
|
Starting lender yield:
| 17.00% |
Starting borrower rate/APR:
| 18.00% / 20.21% |
Starting monthly payment:
| $101.23 |
| |
|
Auction yield range:
| 10.93% - 17.00% |
Estimated loss impact:
| 10.40% | | |
|
Lender servicing fee:
| 1.00% |
Estimated return:
| 6.60% | | |
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
|
Prosper scores:
| |
First credit line:
| Oct-2003 |
Debt/Income ratio:
| 28% |
|
Basic (1-10):
| 8 |
Inquiries last 6m:
| 1 | Employment status: | Full-time employee |
| Enhanced (1-5): | 4 |
Current / open credit lines:
| 18
/
14 | Length of status: | 2y 9m |
|
Credit score:
| 680-699 (Jun-2010) |
Total credit lines:
| 23 |
Occupation: | Other |
|
Now delinquent:
| 0 |
Revolving credit balance:
| $15,282 | Stated income: | $25,000-$49,999 |
|
Amount delinquent:
| $0 |
Bankcard utilization:
| 75% | | |
|
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| Yes | | |
|
Delinquencies in last 7y:
| 0 | | | | |
|
Screen name:
| bamagirl84 |
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 / 2 |
On-time:
| 17 ( 100% )
| 680-699 (Latest)
|
|
Principal borrowed:
| $7,000.00 | < 31 days late:
| 0
( 0% )
| 640-659
(Jul-2009)
640-659
(Sep-2007)
|
|
Principal balance:
| $2,602.44 |
31+ days late:
| 0
( 0% )
|
|
Total payments billed:
| 17 | | |
Description
Debt Cons.- PERFECT CREDIT HISTORY
Purpose of loan:
This loan will be used for debt consolidation.
My financial situation:
I am a good candidate for this loan because I have never been late on any of my debts and I work in the banking/financial industry so I have to keep my records perfect!
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
466004
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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:
| 16.93% |
Starting borrower rate/APR:
| 17.93% / 20.14% |
Starting monthly payment:
| $361.17 |
| |
|
Auction yield range:
| 16.93% - 16.93% |
Estimated loss impact:
| 18.93% | | |
|
Lender servicing fee:
| 1.00% |
Estimated return:
| -2.00% | | |
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
|
Prosper scores:
| |
First credit line:
| Feb-1989 |
Debt/Income ratio:
| 65% |
|
Basic (1-10):
| 4 |
Inquiries last 6m:
| 2 | Employment status: | Full-time employee |
| Enhanced (1-5): | 1 |
Current / open credit lines:
| 17
/
16 |
Occupation: | Professional |
|
Credit score:
| 680-699 (Jul-2010) |
Total credit lines:
| 43 | Stated income: | $50,000-$74,999 |
|
Now delinquent:
| 0 |
Revolving credit balance:
| $44,475 | |
|
Amount delinquent:
| $0 |
Bankcard utilization:
| 98% | | |
|
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| Yes | | |
|
Delinquencies in last 7y:
| 0 | | | | |
|
Screen name:
| brainy-commitment8 |
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 off my credit cards
Purpose of loan:
This loan will be used to? consolidating credit cards.
My financial situation:
I am a good candidate for this loan because? I have made all payments on time never late.? I need very badly to consolidate so I can get everything paid off.?
Monthly net income: $ 3200
Monthly expenses: $
??Housing: $ 1300
??Insurance: $ 208
??Car expenses: $
??Utilities: $ 150
??Phone, cable, internet: $ 75
??Food, entertainment: $ 300
??Clothing, household expenses $
??Credit cards and other loans: $
??Other expenses: $
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
466008
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
|
Amount:
| $5,000.00 |
Prosper Rating:
| HR |
Auction Duration:
| 7 days
|
|
Term:
| 36 months |
Estimated loss:
| 34.5% | | |
| | | |
|
|
Starting lender yield:
| 34.00% |
Starting borrower rate/APR:
| 35.00% / 37.45% |
Starting monthly payment:
| $226.18 |
| |
|
Auction yield range:
| 16.93% - 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:
| Feb-1992 |
Debt/Income ratio:
| 57% |
|
Basic (1-10):
| 1 |
Inquiries last 6m:
| 6 | Employment status: | Full-time employee |
| Enhanced (1-5): | 1 |
Current / open credit lines:
| 16
/
14 | Length of status: | 10y 2m |
|
Credit score:
| 640-659 (Jul-2010) |
Total credit lines:
| 41 |
Occupation: | Other |
|
Now delinquent:
| 1 |
Revolving credit balance:
| $12,090 | Stated income: | $25,000-$49,999 |
|
Amount delinquent:
| $6,074 |
Bankcard utilization:
| 92% | | |
|
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| Yes | | |
|
Delinquencies in last 7y:
| 7 | | | | |
|
Screen name:
| vigilance-ally |
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
Buying a Mini Van
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
466020
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
|
Amount:
| $8,500.00 |
Prosper Rating:
| A |
Auction Duration:
| 7 days
|
|
Term:
| 36 months |
Estimated loss:
| 2.1% | | |
| | | |
|
|
Starting lender yield:
| 8.25% |
Starting borrower rate/APR:
| 9.25% / 11.35% |
Starting monthly payment:
| $271.29 |
| |
|
Auction yield range:
| 3.93% - 8.25% |
Estimated loss impact:
| 2.12% | | |
|
Lender servicing fee:
| 1.00% |
Estimated return:
| 6.13% | | |
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
|
Prosper scores:
| |
First credit line:
| Feb-2000 |
Debt/Income ratio:
| 5% |
|
Basic (1-10):
| 8 |
Inquiries last 6m:
| 0 | Employment status: | Full-time employee |
| Enhanced (1-5): | 5 |
Current / open credit lines:
| 6
/
5 | Length of status: | 4y 2m |
|
Credit score:
| 760-779 (Jul-2010) |
Total credit lines:
| 20 |
Occupation: | Nurse (RN) |
|
Now delinquent:
| 0 |
Revolving credit balance:
| $97,559 | Stated income: | $75,000-$99,999 |
|
Amount delinquent:
| $0 |
Bankcard utilization:
| 20% | | |
|
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| Yes | | |
|
Delinquencies in last 7y:
| 0 | | | | |
|
Screen name:
| note-samaritan |
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:
| 7 ( 100% )
| 760-779 (Latest)
|
|
Principal borrowed:
| $10,000.00 | < 31 days late:
| 0
( 0% )
| 780-799
(Oct-2009)
800-819
(Aug-2009)
|
|
Principal balance:
| $8,365.70 |
31+ days late:
| 0
( 0% )
|
|
Total payments billed:
| 7 | | |
Description
Re-fi Prosper loan
Purpose of loan:
I?am using this loan to re-finance my current Prosper loan.
My financial situation:
I have an excellent standing on my payment status. I am an RN. I have a very good, well-paid job. I want to be practical and get a better rate on my current loan. I plan to pay off this loan that I am applying under 27 mos which is the current balance that I have on my current loan. I want to give all your money back as sooner as I can to show my appreciation on all your trust. Thank you all.
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
466024
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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:
| 34.5% | | |
| | | |
|
|
Starting lender yield:
| 34.00% |
Starting borrower rate/APR:
| 35.00% / 37.45% |
Starting monthly payment:
| $113.09 |
| |
|
Auction yield range:
| 16.93% - 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:
| Aug-1994 |
Debt/Income ratio:
| 9% |
|
Basic (1-10):
| 1 |
Inquiries last 6m:
| 7 | Employment status: | Full-time employee |
| Enhanced (1-5): | 3 |
Current / open credit lines:
| 8
/
7 | Length of status: | 2y 0m |
|
Credit score:
| 640-659 (Jul-2010) |
Total credit lines:
| 18 |
Occupation: | Computer Programmer |
|
Now delinquent:
| 2 |
Revolving credit balance:
| $4,876 | Stated income: | $100,000+ |
|
Amount delinquent:
| $1,426 |
Bankcard utilization:
| 94% | | |
|
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| No | | |
|
Delinquencies in last 7y:
| 1 | | | | |
|
Screen name:
| shakota |
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
Emergency Relocation
Purpose of loan:
This loan will be used to?
Supplement my savings to find a new apartment and basic personal belongings, which were lost in a 3-alarm disaster. I do not have time to wait for payments from Legal/Insurance sources.
My financial situation:
I am a good candidate for this loan because?
My job is stable. My income exceeds $100,000 annually. I keep my personal necessary expenses (i.e. bills/rent) under 40% of my net income.? All known derogatory items on my credit report are several years old.
Monthly net income: $
5900
Monthly expenses: $ 3455
??Housing: $
1550
??Insurance: $
70
??Car expenses: $
475
??Utilities: $
0
??Phone, cable, internet: $
210
??Food, entertainment: $
800
??Clothing, household expenses $
100
??Credit cards and other loans: $
250
??Other expenses: $
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
466030
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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:
| C |
Auction Duration:
| 7 days
|
|
Term:
| 36 months |
Estimated loss:
| 7.0% | | |
| | | |
|
|
Starting lender yield:
| 20.88% |
Starting borrower rate/APR:
| 21.88% / 24.14% |
Starting monthly payment:
| $457.54 |
| |
|
Auction yield range:
| 7.93% - 20.88% |
Estimated loss impact:
| 7.49% | | |
|
Lender servicing fee:
| 1.00% |
Estimated return:
| 13.39% | | |
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
|
Prosper scores:
| |
First credit line:
| Nov-1994 |
Debt/Income ratio:
| 40% |
|
Basic (1-10):
| 7 |
Inquiries last 6m:
| 0 | Employment status: | Full-time employee |
| Enhanced (1-5): | 4 |
Current / open credit lines:
| 17
/
17 | Length of status: | 1y 11m |
|
Credit score:
| 760-779 (Jul-2010) |
Total credit lines:
| 63 |
Occupation: | Teacher |
|
Now delinquent:
| 0 |
Revolving credit balance:
| $19,159 | Stated income: | $25,000-$49,999 |
|
Amount delinquent:
| $0 |
Bankcard utilization:
| 64% | | |
|
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| Yes | | |
|
Delinquencies in last 7y:
| 0 | | | | |
|
Screen name:
| sturdy-agreement |
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
Business Start-up
Purpose of loan:
Collection Agency Start up
Purchase Accounts: $5,000.00
Purchase Collection Software: $2,500.00
Phone System: $500.00
Computer / Office Equipment: $1,500.00
Office Furniture: $1,500.00
Misc: $1,000.00
My financial situation:
I have over 10 years experience in corporate accounting, 2 of which as an Accounting Manager in a Collection Agency.? Currently, I am employed as a Business Teacher at a local High School and Adjunct Accounting Professor.? I am also a member of the Florida Army National Guard.? My income is very stable and my plan is to start this business and hire a manager to run operations, while I continue teaching this year.? This will allow steady income to drive operations.? I will be involved?in operations on a daily basis?for the?remaining 4 hours of the work hours.? Once the business sustains itself, I will focus on the business full-time.? ?
I hold a Bachelor's and Master's degree in Accounting and Financial Management.
I have already contacted debt sellers and am able to purchase?account blocks?with a face value of $250,000.00.? We expect to purchase new blocks of accounts each quarter in order to have adequate collectable monthly inventory.? Accounts that remain uncollectable will be bundled and sold creating a secondary profit stream.?
Monthly net income: $
Personal Income: 2843.99
Wifes Income: 1462.20
National Guard: 323.22
Online Teaching: 848.33
Monthly expenses: $
??Housing: $ 1373
??Insurance: $?175
??Car expenses: $?300
??Utilities: $?420
??Phone, cable, internet: $?135
??Food, entertainment: $?600
??Clothing, household expenses $ 100
??Credit cards and other loans: $ 300
??Other expenses: $ 600
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
466036
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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:
| 16.93% - 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-1980 |
Debt/Income ratio:
| 8% |
|
Basic (1-10):
| 3 |
Inquiries last 6m:
| 12 | Employment status: | Full-time employee |
| Enhanced (1-5): | 4 |
Current / open credit lines:
| 8
/
7 | Length of status: | 16y 4m |
|
Credit score:
| 700-719 (Jul-2010) |
Total credit lines:
| 19 |
Occupation: | Analyst |
|
Now delinquent:
| 0 |
Revolving credit balance:
| $172 | Stated income: | $50,000-$74,999 |
|
Amount delinquent:
| $0 |
Bankcard utilization:
| 1% | | |
|
Public records last 12m / 10y:
| 0/ 1 |
Homeownership:
| No | | |
|
Delinquencies in last 7y:
| 0 | | | | |
|
Screen name:
| fairness-popcorn |
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
Paying off some high interest loans
Purpose of loan:
This loan will be used to consolidate and payoff some high interest loans
My financial situation:
I am a good candidate for this loan because?
Im trying to get my credit to higher score? and by consolidating these loans it will make it easier for me to payoff this loan quicker
Monthly net income: $ 3600
Monthly expenses: $
??Housing: $ 975.00
??Insurance: $
??Car expenses: $
??Utilities: $ 65.00
??Phone, cable, internet: $ 200.00
??Food, entertainment: $
??Clothing, household expenses $
??Credit cards and other loans: $
??Other expenses: $
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
466044
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
|
Amount:
| $20,000.00 |
Prosper Rating:
| HR |
Auction Duration:
| 7 days
|
|
Term:
| 36 months |
Estimated loss:
| 18.0% | | |
| | | |
|
|
Starting lender yield:
| 17.00% |
Starting borrower rate/APR:
| 18.00% / 20.21% |
Starting monthly payment:
| $723.05 |
| |
|
Auction yield range:
| 16.93% - 17.00% |
Estimated loss impact:
| 18.94% | | |
|
Lender servicing fee:
| 1.00% |
Estimated return:
| -1.94% | | |
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
|
Prosper scores:
| |
First credit line:
| May-1995 |
Debt/Income ratio:
| 36% |
|
Basic (1-10):
| 2 |
Inquiries last 6m:
| 1 | Employment status: | Full-time employee |
| Enhanced (1-5): | 4 |
Current / open credit lines:
| 11
/
8 | Length of status: | 10y 2m |
|
Credit score:
| 740-759 (Jul-2010) |
Total credit lines:
| 31 |
Occupation: | Military Enlisted |
|
Now delinquent:
| 0 |
Revolving credit balance:
| $23,527 | Stated income: | $50,000-$74,999 |
|
Amount delinquent:
| $0 |
Bankcard utilization:
| 92% | | |
|
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| Yes | | |
|
Delinquencies in last 7y:
| 0 | | | | |
|
Screen name:
| loot-cocktail |
Borrower's state:
| Virginia |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Description
paying off my credit cards
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 have excellent credit and am looking to consolidate my bills into one payment.? I am in the navy and have a steady sorce of income
Monthly net income: $ 4,9000
Monthly expenses: $
??Housing: $ 1,700.00
??Insurance: $ 125.00
??Car expenses: $ 450.00
??Utilities: $ 175.00
??Phone, cable, internet: $ 175.00
??Food, entertainment: $?450.00
??Clothing, household expenses $ 100.00
??Credit cards and other loans: $ 850.00
??Other expenses: $ 0.00
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
466056
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
|
Amount:
| $15,000.00 |
Prosper Rating:
| HR |
Auction Duration:
| 7 days
|
|
Term:
| 36 months |
Estimated loss:
| 18.0% | | |
| | | |
|
|
Starting lender yield:
| 34.00% |
Starting borrower rate/APR:
| 35.00% / 37.45% |
Starting monthly payment:
| $678.54 |
| |
|
Auction yield range:
| 16.93% - 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-1978 |
Debt/Income ratio:
| 81% |
|
Basic (1-10):
| 5 |
Inquiries last 6m:
| 0 | Employment status: | Retired |
| Enhanced (1-5): | 3 |
Current / open credit lines:
| 13
/
13 | Length of status: | 1y 1m |
|
Credit score:
| 700-719 (Jul-2010) |
Total credit lines:
| 32 | Stated income: | $25,000-$49,999 |
|
Now delinquent:
| 0 |
Revolving credit balance:
| $40,367 | |
|
Amount delinquent:
| $0 |
Bankcard utilization:
| 94% | | |
|
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| Yes | | |
|
Delinquencies in last 7y:
| 0 | | | | |
|
Screen name:
| awesome-return6 |
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 Credit Cards
Purpose of loan:
This loan will be used to? Pay Credit Cards
My financial situation:
I am a good candidate for this loan because?I have a good credit rate and pay my bills on itme?
Monthly net income: $ 29,000
Monthly expenses: $
??Housing: $? N/A - Husband pays house payment.
??Insurance: $ $115 - Car insurance only - husband pays house insurance
??Car expenses: $?400.00 loan - to be paid off?Oct/2010
??Utilities: $ N/A Husband pays utilites
??Phone, cable, internet: $ N/A Husband pays utilites
??Food, entertainment: $ $450.00
??Clothing, household expenses $?$200.00
??Credit cards and other loans: $ $40,367
??Other expenses: $ N/A
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
466060
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
|
Amount:
| $19,000.00 |
Prosper Rating:
| HR |
Auction Duration:
| 7 days
|
|
Term:
| 36 months |
Estimated loss:
| 18.0% | | |
| | | |
|
|
Starting lender yield:
| 17.00% |
Starting borrower rate/APR:
| 18.00% / 20.21% |
Starting monthly payment:
| $686.90 |
| |
|
Auction yield range:
| 16.93% - 17.00% |
Estimated loss impact:
| 18.94% | | |
|
Lender servicing fee:
| 1.00% |
Estimated return:
| -1.94% | | |
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
|
Prosper scores:
| |
First credit line:
| Jun-2003 |
Debt/Income ratio:
| 56% |
|
Basic (1-10):
| 4 |
Inquiries last 6m:
| 1 | Employment status: | Full-time employee |
| Enhanced (1-5): | 3 |
Current / open credit lines:
| 12
/
11 | Length of status: | 6y 5m |
|
Credit score:
| 640-659 (Jul-2010) |
Total credit lines:
| 15 |
Occupation: | Skilled Labor |
|
Now delinquent:
| 0 |
Revolving credit balance:
| $3,455 | Stated income: | $25,000-$49,999 |
|
Amount delinquent:
| $0 |
Bankcard utilization:
| 44% | | |
|
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| No | | |
|
Delinquencies in last 7y:
| 0 | | | | |
|
Screen name:
| helpful-felicity4 |
Borrower's state:
| Virginia |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Description
Paying off everything!
Purpose of loan:
This loan will be used to? Pay off everything I am making payments on: Auto loan, credit cards, personal loans.
My financial situation:
I am a good candidate for this loan because? I have learned alot about how to manage my money, my wife has taught me alot and since we have been married we have been struggling to pay things off, because of due dates and interest rates.
Monthly net income: $ 2600
Monthly expenses: $ 1900
??Housing: $ 750
??Insurance: $ 112
??Car expenses: $ 280 (This will be paid off?if loan is funded)????
??Utilities: $ included with rent
??Phone, cable, internet: $ 120
??Food, entertainment: $?200
??Clothing, household expenses $ budgeted in with grocery bill, not big spenders,?trying to get our finances in order
??Credit cards and other loans: $ 550 (will all be paid off?if loan is funded)
??Other expenses: $
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
466062
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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:
| 16.93% - 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-1999 |
Debt/Income ratio:
| 46% |
|
Basic (1-10):
| 4 |
Inquiries last 6m:
| 2 | Employment status: | Full-time employee |
| Enhanced (1-5): | 3 |
Current / open credit lines:
| 8
/
8 | Length of status: | 0y 3m |
|
Credit score:
| 640-659 (Jul-2010) |
Total credit lines:
| 17 |
Occupation: | Other |
|
Now delinquent:
| 0 |
Revolving credit balance:
| $8,652 | Stated income: | $25,000-$49,999 |
|
Amount delinquent:
| $0 |
Bankcard utilization:
| 54% | | |
|
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| No | | |
|
Delinquencies in last 7y:
| 0 | | | | |
|
Screen name:
| dime-palace |
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
Turning over a new leaf!
This loan will be used to? Pay off my credit cards and get out of debt for good!
I am a good candidate for this loan because? I am a trustworthy person that has a marketing position at a secure bank. I have to have good credit with my job -and I LOVE my job.? My husband is an aircraft mechanic and has worked there for 13 years.? (Our monthly net income is about $4,000)? We have a 2 year old son.? We want to be financially sound and show a good example to him.? I would be so grateful to be able to get out of credit card?debt in 3 years. We own a beautiful house.? So our next step is?get out of debt and?saving for my son?s college fund.
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
466068
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
|
Amount:
| $25,000.00 |
Prosper Rating:
| D |
Auction Duration:
| 7 days
|
|
Term:
| 36 months |
Estimated loss:
| 10.0% | | |
| | | |
|
|
Starting lender yield:
| 13.00% |
Starting borrower rate/APR:
| 14.00% / 16.16% |
Starting monthly payment:
| $854.44 |
| |
|
Auction yield range:
| 10.93% - 13.00% |
Estimated loss impact:
| 10.28% | | |
|
Lender servicing fee:
| 1.00% |
Estimated return:
| 2.72% | | |
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
|
Prosper scores:
| |
First credit line:
| Nov-1977 |
Debt/Income ratio:
| 23% |
|
Basic (1-10):
| 7 |
Inquiries last 6m:
| 0 | Employment status: | Full-time employee |
| Enhanced (1-5): | 5 |
Current / open credit lines:
| 10
/
9 | Length of status: | 14y 10m |
|
Credit score:
| 720-739 (Jul-2010) |
Total credit lines:
| 14 |
Occupation: | Food Service Manage... |
|
Now delinquent:
| 0 |
Revolving credit balance:
| $52,947 | Stated income: | $75,000-$99,999 |
|
Amount delinquent:
| $0 |
Bankcard utilization:
| 74% | | |
|
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| No | | |
|
Delinquencies in last 7y:
| 0 | | | | |
|
Screen name:
| worth-sage2 |
Borrower's state:
| NewYork |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Description
Debt Consolidation
Purpose of loan:
This loan will be used to?
pay off debts more quickly and at a lower interest rate.? All my credit providers have sharply increased their interest rates in the last year, despite my relatively high credit rating, and intention to meet the payment of my obligations.
My financial situation:
I am a good candidate for this loan because? I have a long-term, steady and secure job and the honest intention pay my debt while at the same time, keep my credit rating high.
Monthly net income: $ 4,333.
Monthly expenses: $
??Housing: $?950
??Insurance: $ 50
??Car expenses: $ 150
??Utilities: $75?
??Phone, cable, internet: $ 200
??Food, entertainment: $ 800
??Clothing, household expenses $ 100
??Credit cards and other loans: $ 1800
??Other expenses: $
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
466080
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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:
| 25.0% | | |
| | | |
|
|
Starting lender yield:
| 34.00% |
Starting borrower rate/APR:
| 35.00% / 37.45% |
Starting monthly payment:
| $542.83 |
| |
|
Auction yield range:
| 16.93% - 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-1994 |
Debt/Income ratio:
| Not calculated |
|
Basic (1-10):
| 2 |
Inquiries last 6m:
| 0 | Employment status: | Part-time employee |
| Enhanced (1-5): | 3 |
Current / open credit lines:
| 3
/
3 | Length of status: | 0y 4m |
|
Credit score:
| 700-719 (Jul-2010) |
Total credit lines:
| 6 |
Occupation: | Laborer |
|
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:
| Yes | | |
|
Delinquencies in last 7y:
| 0 | | | | |
|
Screen name:
| blue-adventurous-loot |
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
catch up on exisiting payments
Purpose of loan:
To catch up on past mortgage payments, child support and auto loans. This will allow me to obtain full-time employment in September 2010. In order to obtain this type of employment, I have to under go an extensive background check to obtain a security cleareance. I am only applying for this loan in order to do so and to catch up on current debts. I am also applying for this type of loan so that my family and I can stay in our home.
My financial situation:
Right now, I have only been able to find part-time employment. I have always had full-time employment but due to cut backs?from my previous employer, I was unable to retain employment with them. I am behind a few months on my current debts and again, this will allow me to catch up on these loans and able?me to obtain full-time employment in September 2010 and obtain the requred security cleareance for this type of employment.?
Monthly net income: $600.00
Monthly expenses: $
??Housing: $ 1,167.00?
??Insurance: $ 640.00 every 6 months?
??Car expenses: $ 60.00
??Utilities: $ 180.00?
??Phone, cable, internet: $ 110.00?
??Food, entertainment: $ 200.00 food?
??Clothing, household expenses $ 60.00?
??Credit cards and other loans: $ 900.00 auto loans?
??Other expenses: $ 487.50 child support?
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
466086
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
|
Amount:
| $25,000.00 |
Prosper Rating:
| HR |
Auction Duration:
| 7 days
|
|
Term:
| 36 months |
Estimated loss:
| 18.0% | | |
| | | |
|
|
Starting lender yield:
| 16.93% |
Starting borrower rate/APR:
| 17.93% / 20.14% |
Starting monthly payment:
| $902.93 |
| |
|
Auction yield range:
| 16.93% - 16.93% |
Estimated loss impact:
| 18.93% | | |
|
Lender servicing fee:
| 1.00% |
Estimated return:
| -2.00% | | |
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
|
Prosper scores:
| |
First credit line:
| Nov-1993 |
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:
| 29
/
26 | Length of status: | 6y 11m |
|
Credit score:
| 740-759 (Jul-2010) |
Total credit lines:
| 47 |
Occupation: | Other |
|
Now delinquent:
| 0 |
Revolving credit balance:
| $95,177 | Stated income: | $100,000+ |
|
Amount delinquent:
| $0 |
Bankcard utilization:
| 42% | | |
|
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| Yes | | |
|
Delinquencies in last 7y:
| 0 | | | | |
|
Screen name:
| telesports |
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
inventory for 2001 baseball season
Purpose of loan:
This loan will be used to purchase additional baseball inventory for the 2011 season. During the 2010 season, we invested well over $1 Million in ticket inventory with teams such as the New York Yankees, Philadelphia Phillies, Texas Rangers, Minnesota Twins and Los Angeles Dodgers just to name a few. We need more capital to purchase more inventory and to grow our business.
My financial situation:
I am a good candidate for this loan because I always pay my personal and business loans off in a timely manner as indicated by my credit report.
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
466092
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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:
| 16.93% - 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-2000 |
Debt/Income ratio:
| 85% |
|
Basic (1-10):
| 5 |
Inquiries last 6m:
| 1 | Employment status: | Full-time employee |
| Enhanced (1-5): | 2 |
Current / open credit lines:
| 6
/
4 | Length of status: | 2y 5m |
|
Credit score:
| 740-759 (Jun-2010) |
Total credit lines:
| 25 |
Occupation: | Teacher |
|
Now delinquent:
| 1 |
Revolving credit balance:
| $583 | Stated income: | $1-$24,999 |
|
Amount delinquent:
| $0 |
Bankcard utilization:
| 11% | | |
|
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| No | | |
|
Delinquencies in last 7y:
| 0 | | | | |
|
Screen name:
| priceless-gold7 |
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 debts and school
Purpose of loan:
This loan will be used to pay off my existing debts and help me pay for my college tuition.
My financial situation:
I am a good candidate for this loan because I am a very responsible person.? I have never missed a payment and always pay more than minimum.? I plan to pay off this loan within 2 years.? My income will increase by the end of next month and I will have extra funds available to pay this loan.
I am a responsible person and I hope you can help me with this loan.? When I have enough money, I would like to help other borrowers like myself to get ahead in life.
Thank you for your time and consideration.
Monthly net income: $ varies by month- $1500-$3500 a month
Monthly expenses: $
??Housing: $
none- live with parents
??Insurance: $
none-
??Car expenses: $
none- paid by family
??Utilities: $
none
??Phone, cable, internet: $ 40
??Food, entertainment: $
none
??Clothing, household expenses $
??Credit cards and other loans: $ 600
??Other expenses: $
50
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
466098
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
|
Amount:
| $1,800.00 |
Prosper Rating:
| HR |
Auction Duration:
| 7 days
|
|
Term:
| 36 months |
Estimated loss:
| 25.0% | | |
| | | |
|
|
Starting lender yield:
| 34.00% |
Starting borrower rate/APR:
| 35.00% / 37.45% |
Starting monthly payment:
| $81.42 |
| |
|
Auction yield range:
| 16.93% - 34.00% |
Estimated loss impact:
| 27.01% | | |
|
Lender servicing fee:
| 1.00% |
Estimated return:
| 6.99% | | |
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
|
Prosper scores:
| |
First credit line:
| Oct-1992 |
Debt/Income ratio:
| Not calculated |
|
Basic (1-10):
| 2 |
Inquiries last 6m:
| 1 | Employment status: | Full-time employee |
| Enhanced (1-5): | 3 |
Current / open credit lines:
| 7
/
7 | Length of status: | 5y 5m |
|
Credit score:
| 620-639 (Jul-2010) |
Total credit lines:
| 55 |
Occupation: | Other |
|
Now delinquent:
| 4 |
Revolving credit balance:
| $1,415 | Stated income: | $25,000-$49,999 |
|
Amount delinquent:
| $3,670 |
Bankcard utilization:
| 0% | | |
|
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| Yes | | |
|
Delinquencies in last 7y:
| 8 | | | | |
|
Screen name:
| sunstar |
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:
| 0 / 2 |
On-time:
| 41 ( 98% )
| 620-639 (Latest)
|
|
Principal borrowed:
| $6,600.00 | < 31 days late:
| 1
( 2% )
| 720-739
(May-2008)
680-699
(Dec-2006)
|
|
Principal balance:
| $0.00 |
31+ days late:
| 0
( 0% )
|
|
Total payments billed:
| 42 | | |
Description
Lender paying property tax
Purpose of loan:
This loan will be used to?pay property tax on primary residence
My financial situation:
I am a good candidate for this loan because?
this would be my third loan via prosper and I've always paid my prosper payment on time despite the info that prosper provides about a <31 day late (I will be calling them about this since I've paid both accounts ahead I see no reason to have? me ever being late)?? I'm also a lender with about 1600 still invested.
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
466104
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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:
| D |
Auction Duration:
| 7 days
|
|
Term:
| 36 months |
Estimated loss:
| 10.0% | | |
| | | |
|
|
Starting lender yield:
| 25.33% |
Starting borrower rate/APR:
| 26.33% / 28.65% |
Starting monthly payment:
| $182.10 |
| |
|
Auction yield range:
| 10.93% - 25.33% |
Estimated loss impact:
| 10.63% | | |
|
Lender servicing fee:
| 1.00% |
Estimated return:
| 14.70% | | |
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:
| 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
Consolidating 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. I do not have any "bad debt" and this will get paid off quickly.
My financial situation:
I am a good candidate for this loan because I am a very hard-working person and am very fiscally conservative. I am supported by my family but there is very little financial flexibility and this loan would be beneficial to everyone involved. I will be able to pay off the loan quickly as I have got a reliable research position in addition to my freelance programming.
Monthly net income: $1500
Monthly expenses: $800
Monthly expenses: $
Housing: $520
Insurance: $ 0
Car expenses: $ 0
Utilities: $0
Phone, cable, internet: $60
Food, entertainment: $200
Clothing, household expenses $0
Credit cards and other loans: $0
Other expenses: $20
Most of my expenses are paid for except for rent and food. I have no other outstanding debt and my credit is great! Thanks for your support
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
466114
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
|
Amount:
| $15,000.00 |
Prosper Rating:
| HR |
Auction Duration:
| 7 days
|
|
Term:
| 36 months |
Estimated loss:
| 25.0% | | |
| | | |
|
|
Starting lender yield:
| 34.00% |
Starting borrower rate/APR:
| 35.00% / 37.45% |
Starting monthly payment:
| $678.54 |
| |
|
Auction yield range:
| 16.93% - 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-1985 |
Debt/Income ratio:
| 34% |
|
Basic (1-10):
| 3 |
Inquiries last 6m:
| 0 | Employment status: | Full-time employee |
| Enhanced (1-5): | 5 |
Current / open credit lines:
| 7
/
3 | Length of status: | 14y 1m |
|
Credit score:
| 640-659 (Jul-2010) |
Total credit lines:
| 17 |
Occupation: | Professional |
|
Now delinquent:
| 0 |
Revolving credit balance:
| $4,291 | Stated income: | $50,000-$74,999 |
|
Amount delinquent:
| $0 |
Bankcard utilization:
| 88% | | |
|
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| No | | |
|
Delinquencies in last 7y:
| 13 | | | | |
|
Screen name:
| loan-voltage |
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
Website andExclusive Products Agmts
Purpose of loan:
This loan will be used to complete our ecommerce web portal and to buy products from our manufacturers who we have exclusive agreements.
My financial situation:
We are a good candidate for this loan?because we have?secure a hard working team and?have achieved the following results: 1) We have paid our own expenses up until now; 2) We have secured and signed three exclusive agreement to sale in the?North America, Haiti Portugal, Spain and Brazil;?3) We have been cleared with the CCR and Federal Business Organization (FBO) to submit bids to sell our products. Presently, we have submitted two bids to the Army and US Homeland Security; 4) We are working with a consultant to be our 'face' to the Federal Government to assist us in obtaining contracts; 5) We are working with a highly seasoned and professional web development team. This team has designed high profile marketing ecommerce web sites such as ebay.com, milo.com and other major web portals. We will use $3,000 from this loan to pay the remaining balance to our ecommerce web-portal. This will put us on line by?; 6) We will present our products and web portal in a workshop before vendors and investors at the Green Conference?on and 7) we have three key stores that are interest in our green web-portal once we are up and running.
Monthly net income: $ 4337.00
Monthly expenses: $
??Housing: $ 650.00
??Insurance: $ 78.00
??Car expenses: 60.00 (city transit system for monthly pass)
??Utilities: $77.00
??Phone, cable, internet: $ 63.00 (we received a 30% discount on internet for 2 yrs in advance)
??Food, entertainment: $ 175.00
??Clothing, household expenses $ 55.00
??Credit cards and other loans: $ 485.00
??other expenses: 50.00
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
466116
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
|
Amount:
| $7,000.00 |
Prosper Rating:
| HR |
Auction Duration:
| 7 days
|
|
Term:
| 36 months |
Estimated loss:
| 34.5% | | |
| | | |
|
|
Starting lender yield:
| 34.00% |
Starting borrower rate/APR:
| 35.00% / 37.45% |
Starting monthly payment:
| $316.65 |
| |
|
Auction yield range:
| 16.93% - 34.00% |
Estimated loss impact:
| 36.51% | | |
|
Lender servicing fee:
| 1.00% |
Estimated return:
| -2.51% | | |
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
|
Prosper scores:
| |
First credit line:
| Mar-1997 |
Debt/Income ratio:
| 22% |
|
Basic (1-10):
| 1 |
Inquiries last 6m:
| 5 | Employment status: | Full-time employee |
| Enhanced (1-5): | 1 |
Current / open credit lines:
| 6
/
6 | Length of status: | 12y 5m |
|
Credit score:
| 660-679 (Jul-2010) |
Total credit lines:
| 33 |
Occupation: | Teacher |
|
Now delinquent:
| 2 |
Revolving credit balance:
| $293 | Stated income: | $25,000-$49,999 |
|
Amount delinquent:
| $448 |
Bankcard utilization:
| 17% | | |
|
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| Yes | | |
|
Delinquencies in last 7y:
| 9 | | | | |
|
Screen name:
| faithful43 |
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
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
466122
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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:
| 3.93% - 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:
| Oct-1986 |
Debt/Income ratio:
| 22% |
|
Basic (1-10):
| 8 |
Inquiries last 6m:
| 0 | Employment status: | Full-time employee |
| Enhanced (1-5): | 5 |
Current / open credit lines:
| 8
/
7 | Length of status: | 4y 9m |
|
Credit score:
| 780-799 (Jul-2010) |
Total credit lines:
| 28 |
Occupation: | Skilled Labor |
|
Now delinquent:
| 0 |
Revolving credit balance:
| $8,999 | Stated income: | $25,000-$49,999 |
|
Amount delinquent:
| $0 |
Bankcard utilization:
| 13% | | |
|
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| Yes | | |
|
Delinquencies in last 7y:
| 0 | | | | |
|
Screen name:
| hrosemax |
Borrower's state:
| Idaho |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Description
Paying off my credit cards
Purpose of loan:
This loan will be used to pay off my credit card balances.? I made many improvements to our house the past 2-3 years in anticipation of selling it in?2009.? Due to the economic downturn we decided not to sell the house even though we have much equity in it.? We will hold onto the house for a few years until the housing market is more favorable.? I had planned on using the equity from the sale of the house to pay off the credit cards but that plan changed.
My financial situation:
I am a good candidate for this loan because my job in the technology sector is very secure and my wife's job as a teacher is also very stable.? Our credit history and score are great.? We pay approximately $500-$550 a month towards the cards to pay them down but would prefer to consolidate them and have our monthly payment brought down to just over $300 and end up paying less in interest.
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
466138
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
|
Amount:
| $8,000.00 |
Prosper Rating:
| A |
Auction Duration:
| 7 days
|
|
Term:
| 36 months |
Estimated loss:
| 2.1% | | |
| | | |
|
|
Starting lender yield:
| 9.20% |
Starting borrower rate/APR:
| 10.20% / 12.31% |
Starting monthly payment:
| $258.89 |
| |
|
Auction yield range:
| 3.93% - 9.20% |
Estimated loss impact:
| 2.12% | | |
|
Lender servicing fee:
| 1.00% |
Estimated return:
| 7.08% | | |
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
|
Prosper scores:
| |
First credit line:
| Sep-1996 |
Debt/Income ratio:
| 9% |
|
Basic (1-10):
| 8 |
Inquiries last 6m:
| 1 | Employment status: | Full-time employee |
| Enhanced (1-5): | 5 |
Current / open credit lines:
| 11
/
10 | Length of status: | 5y 10m |
|
Credit score:
| 760-779 (Jun-2010) |
Total credit lines:
| 23 |
Occupation: | Other |
|
Now delinquent:
| 0 |
Revolving credit balance:
| $2,428 | Stated income: | $50,000-$74,999 |
|
Amount delinquent:
| $0 |
Bankcard utilization:
| 14% | | |
|
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| Yes | | |
|
Delinquencies in last 7y:
| 5 | | | | |
|
Screen name:
| R0d |
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
Organic Horticulture Farm
Purpose of loan:
The purpose of this loan is to start a greenhouse complex in the Dominican Republic.
The business plan consists of growing green bell peppers, cucumbers and carrots in a controlled greenhouse environment on family-owned land (approx. 300 acres). These vegetables are easy to grow in the DR given its warm climate and are quite profitable when grown in a controlled environment since it enhances production rate and volume.
At this time we estimate an initial investment of $18,000 USD is needed to cover 2.5 - 3 acres of land.
Most of the capital will come from the borrower (and family members) but we hope to receive the remaining amount from Prosper investors.
Please feel free to contact me with any questions you may have.
My financial situation:
I am a good candidate for this loan because it will not be a one-man business endeavor but rather an entire family who will be fully vested in the business. Our financial situation is favorable because it will be a family run business with very low overhead given we already have the land, well and irrigation system in place.
The business will be run by two of my uncles who are greenhouse
certified and have lived off agriculture since my childhood, at
one point they managed more than 500 acres and 50+ workers.
Monthly net income: $ 3,200
Monthly expenses: $ 941.00
? Housing: $ 145.00 (difference between mortgage payment and rental income)
? Insurance: $ 0.0 (has been paid in full)
? Car expenses: $ 45.00 (oil change every 2 months)
? Utilities: $ 75.00 (electricity & gas)
? Phone, cable, internet: $ 60.00 (cell)
? Food, entertainment: $ 200.00
? Clothing, household expenses $ 70.00
? Credit cards and other loans: $ 346.00
? Other expenses: $ 0.00
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
466140
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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:
| 26.00% |
Starting borrower rate/APR:
| 27.00% / 29.33% |
Starting monthly payment:
| $102.06 |
| |
|
Auction yield range:
| 10.93% - 26.00% |
Estimated loss impact:
| 10.65% | | |
|
Lender servicing fee:
| 1.00% |
Estimated return:
| 15.35% | | |
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
|
Prosper scores:
| |
First credit line:
| Jan-1993 |
Debt/Income ratio:
| 42% |
|
Basic (1-10):
| 7 |
Inquiries last 6m:
| 1 | Employment status: | Full-time employee |
| Enhanced (1-5): | 3 |
Current / open credit lines:
| 16
/
16 | Length of status: | 9y 6m |
|
Credit score:
| 640-659 (Jul-2010) |
Total credit lines:
| 33 |
Occupation: | Scientist |
|
Now delinquent:
| 1 |
Revolving credit balance:
| $26,255 | Stated income: | $50,000-$74,999 |
|
Amount delinquent:
| $0 |
Bankcard utilization:
| 98% | | |
|
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| No | | |
|
Delinquencies in last 7y:
| 0 | | | | |
|
Screen name:
| mdgbank |
Borrower's state:
| California |
Borrower's group:
| ALL DOCTORS MD,DO,OD,DDS,DMD,PhD,DVM,DPM,DC,PharmD,J |
Credit and homeownership information was obtained 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:
| 59 ( 98% )
| 640-659 (Latest)
|
|
Principal borrowed:
| $4,000.00 | < 31 days late:
| 1
( 2% )
| 620-639
(Jun-2008)
600-619
(Jun-2007)
|
|
Principal balance:
| $382.06 |
31+ days late:
| 0
( 0% )
|
|
Total payments billed:
| 60 | | |
Description
Replacing damaged kitchen cabinets
Purpose of loan:
This loan will be used to replace cabinets in the kitchen that were damaged due to a water leak.
My financial situation:
I am a good candidate for this loan because I can easily fit the payment into my monthly budget, and?I?have steady employment as faculty at a major university.
Monthly net income: $ 5200.00
Monthly expenses: $
??Housing: $ 1,375
??Insurance: $ 45
??Car expenses: $ 375
??Utilities: $ 140
??Phone, cable, internet: $ 145
??Food, entertainment: $ 600
??Clothing, household expenses $ 100
??Credit cards and other loans: $ 450
??Other expenses: $ 75
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
466146
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
|
Amount:
| $1,300.00 |
Prosper Rating:
| HR |
Auction Duration:
| 7 days
|
|
Term:
| 36 months |
Estimated loss:
| 34.5% | | |
| | | |
|
|
Starting lender yield:
| 34.00% |
Starting borrower rate/APR:
| 35.00% / 38.17% |
Starting monthly payment:
| $58.81 |
| |
|
Auction yield range:
| 16.93% - 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:
| Aug-2000 |
Debt/Income ratio:
| Not calculated |
|
Basic (1-10):
| 1 |
Inquiries last 6m:
| 3 | Employment status: | Full-time employee |
| Enhanced (1-5): | 1 |
Current / open credit lines:
| 6
/
6 | Length of status: | 0y 2m |
|
Credit score:
| 640-659 (Jul-2010) |
Total credit lines:
| 24 |
Occupation: | Food Service |
|
Now delinquent:
| 2 |
Revolving credit balance:
| $0 | Stated income: | $1-$24,999 |
|
Amount delinquent:
| $416 |
Bankcard utilization:
| 0% | | |
|
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| No | | |
|
Delinquencies in last 7y:
| 5 | | | | |
|
Screen name:
| orange-capital-surfer |
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
Debt Consolidation for Recent Debt
Purpose of loan:
This loan will be used to consolidate recent debt to be paid off.
My financial situation:
I am a good candidate for this loan because my living situation has changed and i have spare income.
Monthly net income: $
1500.00 from hourly pay and cash tips.
Monthly expenses: $
??Housing: $
200.00
??Insurance: $ 90.00
??Car expenses: $
80.00
??Utilities: $
??Phone, cable, internet: $
50.00
??Food, entertainment: $
200.00
??Clothing, household expenses $
20.00
??Credit cards and other loans: $
??Other expenses: $
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
466152
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
|
Amount:
| $4,000.00 |
Prosper Rating:
| D |
Auction Duration:
| 7 days
|
|
Term:
| 36 months |
Estimated loss:
| 10.0% | | |
| | | |
|
|
Starting lender yield:
| 25.33% |
Starting borrower rate/APR:
| 26.33% / 28.65% |
Starting monthly payment:
| $161.87 |
| |
|
Auction yield range:
| 10.93% - 25.33% |
Estimated loss impact:
| 10.63% | | |
|
Lender servicing fee:
| 1.00% |
Estimated return:
| 14.70% | | |
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-1999 |
Debt/Income ratio:
| 32% |
|
Basic (1-10):
| 6 |
Inquiries last 6m:
| 2 | Employment status: | Full-time employee |
| Enhanced (1-5): | 3 |
Current / open credit lines:
| 6
/
6 | Length of status: | 3y 0m |
|
Credit score:
| 700-719 (Jul-2010) |
Total credit lines:
| 13 |
Occupation: | Professional |
|
Now delinquent:
| 0 |
Revolving credit balance:
| $8,127 | Stated income: | $25,000-$49,999 |
|
Amount delinquent:
| $0 |
Bankcard utilization:
| 84% | | |
|
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| No | | |
|
Delinquencies in last 7y:
| 0 | | | | |
|
Screen name:
| trade-commando |
Borrower's state:
| Michigan |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Description
pay off some bills :-)
Purpose of loan:
This loan will be used to?
pay off a good chunk of accumulated credit card debt, and also to get a chunk down on an engagement ring? :-)?
My financial situation:
I am a good candidate for this loan because?
i have never made a late payment on anything from a cell phone bill, to credit card bill to house utilities... and i also live with my parents and i only pay half of the utilities... so no rent going out each month. I have a steady full time job that offers alot of overtime, i just worked over 120 hours the last pay period (2 weeks)
Monthly net income: $
1800
Monthly expenses: $
??Housing: $
0 ???
??Insurance: $ 100
??Car expenses: $
300
??Utilities: $ 75
??Phone, cable, internet: $
100
??Food, entertainment: $
100
??Clothing, household expenses $
100
??Credit cards and other loans: $
250
??Other expenses: $
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
466158
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
|
Amount:
| $14,500.00 |
Prosper Rating:
| HR |
Auction Duration:
| 7 days
|
|
Term:
| 36 months |
Estimated loss:
| 18.0% | | |
| | | |
|
|
Starting lender yield:
| 26.20% |
Starting borrower rate/APR:
| 27.20% / 29.54% |
Starting monthly payment:
| $593.52 |
| |
|
Auction yield range:
| 16.93% - 26.20% |
Estimated loss impact:
| 19.52% | | |
|
Lender servicing fee:
| 1.00% |
Estimated return:
| 6.68% | | |
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
|
Prosper scores:
| |
First credit line:
| Jan-1997 |
Debt/Income ratio:
| 20% |
|
Basic (1-10):
| 4 |
Inquiries last 6m:
| 2 | Employment status: | Full-time employee |
| Enhanced (1-5): | 2 |
Current / open credit lines:
| 5
/
4 | Length of status: | 1y 11m |
|
Credit score:
| 640-659 (Jul-2010) |
Total credit lines:
| 43 |
Occupation: | Car Dealer |
|
Now delinquent:
| 0 |
Revolving credit balance:
| $5,013 | Stated income: | $100,000+ |
|
Amount delinquent:
| $0 |
Bankcard utilization:
| 89% | | |
|
Public records last 12m / 10y:
| 0/ 1 |
Homeownership:
| No | | |
|
Delinquencies in last 7y:
| 16 | | | | |
|
Screen name:
| listing-topper4 |
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
Lease@Purchase
Purpose of loan:
I want to purchase a home again.? After much research, it's to my benefit, at this time, to do a Lease2Purchase option.? I found a home and the option amount is 10,000.? The monthly payment will also include a large amount going toward the down payment. I will be able to purchase the home in 36 months which gives me time to further build my credit and obtain a good mortgage. The other $4500 is for minor home improvements? for the home.
My financial situation:
I am a good candidate for this loan because in the past I have always been an extremely hard worker, and would do whatever it takes.? My credit was always flawless.? I have been in the car business for 16 years, for the past 13 I have been a General Sales Manager.? I have always made a great living from my position.? Back in 2006, my wife and I decided to invest a large portion of our savings into business, a deli.? My wifewould run the business and I would still run the dealership.? The deli was great the first year, this is when the car business (actually the economy) was on a downfall.? I left the car business to help build the store.? The store suffered tremendously because of the area we were located (beach area), we counted on our summer months to generate most of our revenue and it was the worst summer, gas prices sky rocketed.? We just kept pouring more and more of our own money to keep it going.? I went back to the car business in 2008, we put the store for sale and it took months to sell it, finally we had a buyer but we needed to hold a note for 6 months, well long story short they defaulted and we had to take the deli back.? It was a legal nightmare and $23,000 later we were back in.? We stayed another year, dumped more money into it to rebuild some sort of customer base, just sold it 3 weeks ago, got all the money up front so we are done with that.? We were living off credit cards for a while during this mess and that was the cause of me filing for bankruptcy.? It was a very difficult decision but I didn't have a choice.? Now we can concentrate on building our future again.
Monthly net income: $
10,000.00
Monthly expenses: $
??Housing: $
2400.00 ???? ????
??Insurance: $
??Car expenses: $
Demo
??Utilities: $
400.00
??Phone, cable, internet: $
200.00
??Food, entertainment: $
800.00
??Clothing, household expenses $
??Credit cards and other loans: $
100.00
??Other expenses: $
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
466164
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
|
Amount:
| $1,000.00 |
Prosper Rating:
| C |
Auction Duration:
| 7 days
|
|
Term:
| 36 months |
Estimated loss:
| 6.5% | | |
| | | |
|
|
Starting lender yield:
| 18.90% |
Starting borrower rate/APR:
| 19.90% / 23.68% |
Starting monthly payment:
| $37.11 |
| |
|
Auction yield range:
| 7.93% - 18.90% |
Estimated loss impact:
| 6.94% | | |
|
Lender servicing fee:
| 1.00% |
Estimated return:
| 11.96% | | |
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
|
Prosper scores:
| |
First credit line:
| Nov-1994 |
Debt/Income ratio:
| 19% |
|
Basic (1-10):
| 10 |
Inquiries last 6m:
| 0 | Employment status: | Full-time employee |
| Enhanced (1-5): | 5 |
Current / open credit lines:
| 10
/
10 | Length of status: | 1y 10m |
|
Credit score:
| 660-679 (Jul-2010) |
Total credit lines:
| 18 |
Occupation: | Teacher |
|
Now delinquent:
| 0 |
Revolving credit balance:
| $13,369 | Stated income: | $25,000-$49,999 |
|
Amount delinquent:
| $0 |
Bankcard utilization:
| 76% | | |
|
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| No | | |
|
Delinquencies in last 7y:
| 0 | | | | |
|
Screen name:
| encouraging-social154 |
Borrower's state:
| Michigan |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Description
Starting Small
Purpose of loan:
This loan will be used to pay on a high interest credit card.? I am starting off small to establish myself as a responsible borrower.
My financial situation:
I am a good candidate for this loan because I have a good job as a teacher now and make enough to pay all my bills on time.? I overused my credit cards in college, having credit card Christmases etc. I have three daughters and I'd like to buy a house before my oldest graduates from high school.
I am using Mint.com to track my bills and budgets and am highly committed to getting out of debt.? This loan will be my top priority. As a Kiva lender I believe in this common sense utilitarian approach.? If all goes well, I will try to consolidate more/all of my debt using p2p lending.
Some mistakes I made are:
When I first started college I was afraid to take all the federal student loan money I was offered, but then used credit cards *doh*
I closed a few accounts once I paid them off, hurting my ratio;
I stopped using my cards completely, so they cut my limits even though I always paid on time;
Monthly net income: $ 3,000
Monthly expenses: $ 2500
??Housing: $
750
??Insurance: $
116
??Car expenses: $ 120
??Utilities: $
50
??Phone, cable, internet: $
150
??Food, entertainment: $
600
??Clothing, household expenses $
100
??Credit cards and other loans: $ 600
??Other expenses: $
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
466168
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
|
Amount:
| $3,400.00 |
Prosper Rating:
| A |
Auction Duration:
| 7 days
|
|
Term:
| 36 months |
Estimated loss:
| 2.1% | | |
| | | |
|
|
Starting lender yield:
| 34.00% |
Starting borrower rate/APR:
| 35.00% / 37.45% |
Starting monthly payment:
| $153.80 |
| |
|
Auction yield range:
| 3.93% - 34.00% |
Estimated loss impact:
| 2.27% | | |
|
Lender servicing fee:
| 1.00% |
Estimated return:
| 31.73% | | |
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-2007 |
Debt/Income ratio:
| Not calculated |
|
Basic (1-10):
| 9 |
Inquiries last 6m:
| 1 | Employment status: | Not employed |
| Enhanced (1-5): | 4 |
Current / open credit lines:
| 12
/
12 | Length of status: | 2y 10m |
|
Credit score:
| 720-739 (Jul-2010) |
Total credit lines:
| 19 | Stated income: | Not employed |
|
Now delinquent:
| 0 |
Revolving credit balance:
| $4,645 | |
|
Amount delinquent:
| $0 |
Bankcard utilization:
| 17% | | |
|
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| No | | |
|
Delinquencies in last 7y:
| 0 | | | | |
|
Screen name:
| mythkw |
Borrower's state:
| Florida |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Description
My personal loan
Purpose of loan:
This loan will be used to pay off credit cards. @9%
I can afford $200/month and plan to pay this off in a year or 24 months max.?I could easily get a balance transfer at 0% for 12 months but i want to take a personal loan to improve my credit mix. I have always used my credit cards responsibly and always paid on time.
My situation:
I am a full time student at UNF?getting my B.A Accounting.?I get a monthly allowance to pay for my living expenses and classes.?
The one inquiry was by AT&T credit check for cell phone service.
Monthly net income: $ 1200 (allowance)
Monthly expenses: $
??Housing: $?250
??Insurance: $ 40 (Geico)
??Car expenses: $ 100 ( fuel)
??Utilities: $?40
??Phone, cable, internet: $?35
??Food, entertainment: $?200
??Clothing, household expenses $ 62 (cell phone)
??Credit cards and other loans: $ 250
??Other expenses: $ 100
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
466174
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
|
Amount:
| $4,000.00 |
Prosper Rating:
| D |
Auction Duration:
| 7 days
|
|
Term:
| 36 months |
Estimated loss:
| 10.0% | | |
| | | |
|
|
Starting lender yield:
| 25.25% |
Starting borrower rate/APR:
| 26.25% / 28.57% |
Starting monthly payment:
| $161.70 |
| |
|
Auction yield range:
| 10.93% - 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:
| Apr-1988 |
Debt/Income ratio:
| 9% |
|
Basic (1-10):
| 8 |
Inquiries last 6m:
| 3 | Employment status: | Full-time employee |
| Enhanced (1-5): | 5 |
Current / open credit lines:
| 12
/
8 | Length of status: | 6y 10m |
|
Credit score:
| 640-659 (Jul-2010) |
Total credit lines:
| 29 |
Occupation: | Professional |
|
Now delinquent:
| 0 |
Revolving credit balance:
| $9,001 | Stated income: | $75,000-$99,999 |
|
Amount delinquent:
| $0 |
Bankcard utilization:
| 54% | | |
|
Public records last 12m / 10y:
| 0/ 2 |
Homeownership:
| Yes | | |
|
Delinquencies in last 7y:
| 0 | | | | |
|
Screen name:
| goal-finance3 |
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
Legal Fees & Dental Expense
Purpose of loan:
We need a legal retainer fee ($1000)?for a business my husband and former partners are dissolivng, and my son needs orthodontic work? ($2,880) which is not covered by insurance.
My financial situation:
I am a good candidate for this loan because I am very conscientious about paying my bills on time?and of the idea of peer to peer lending groups.?I tried to borrow from my credit union and while I am worthy of the credit, they will not make a loan for such a small amount and it makes no sense to me to take out a huge loan when I don't need that much.? Besides my income from employment, I have an investment property which nets me $400 a month after I have paid the mortgage and condo dues.? This property is on the market and I plan to pay off this loan, as well as many of my outstanding debt (if not all) once the unit has sold.?
Monthly net income: $ 4506
Monthly expenses: $ 2820
??Housing: $ 1010
??Insurance: $ 175
??Car expenses: $ 0
??Utilities: $ 125
??Phone, cable, internet: $ 120
??Food, entertainment: $ 400
??Clothing, household expenses $ 200
??Credit cards and other loans: $?539??Other expenses: $ 250 - I have a 7 year old - anything can come up!
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
466182
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
|
Amount:
| $4,000.00 |
Prosper Rating:
| C |
Auction Duration:
| 7 days
|
|
Term:
| 36 months |
Estimated loss:
| 6.5% | | |
| | | |
|
|
Starting lender yield:
| 12.99% |
Starting borrower rate/APR:
| 13.99% / 16.15% |
Starting monthly payment:
| $136.69 |
| |
|
Auction yield range:
| 7.93% - 12.99% |
Estimated loss impact:
| 6.79% | | |
|
Lender servicing fee:
| 1.00% |
Estimated return:
| 6.20% | | |
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
|
Prosper scores:
| |
First credit line:
| Sep-1999 |
Debt/Income ratio:
| 25% |
|
Basic (1-10):
| 9 |
Inquiries last 6m:
| 0 | Employment status: | Full-time employee |
| Enhanced (1-5): | 3 |
Current / open credit lines:
| 15
/
13 | Length of status: | 10y 1m |
|
Credit score:
| 680-699 (Jul-2010) |
Total credit lines:
| 33 |
Occupation: | Professional |
|
Now delinquent:
| 0 |
Revolving credit balance:
| $27,942 | Stated income: | $25,000-$49,999 |
|
Amount delinquent:
| $0 |
Bankcard utilization:
| 78% | | |
|
Public records last 12m / 10y:
| 0/ 1 |
Homeownership:
| Yes | | |
|
Delinquencies in last 7y:
| 0 | | | | |
|
Screen name:
| wise-money-refuge |
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
Get Rid of Credit Cards For Good!
Purpose of loan:
I am trying to make more headway on the credit card debt.? About half of my cards are low-interest, long-term.? The other half are at about 14.99-19.99 revolving interest.? I will be following the Dave Ramsey snowball plan, and I am due for a raise in September.? I will probably be adding a part-time job to speed up the process.
My financial situation:
I am a very hard worker, and I've never been out of work.? I will do whatever it takes to provide for my family.? After these credit cards are paid off, I will be building wealth properly so I never have to borrow again.
Monthly net income: $ 2565.00
Monthly expenses: $
??Housing: $ 593.00
??Insurance: $ 69.00
??Car expenses: $ 200.00
??Utilities: $ 250.00
??Phone, cable, internet: $ 87.00
??Food, entertainment: $ 600.00
??Clothing, household expenses $ 100.00
??Credit cards and other loans: $ 450.00
??Other expenses: $ 100.00
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
466188
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
|
Amount:
| $25,000.00 |
Prosper Rating:
| HR |
Auction Duration:
| 7 days
|
|
Term:
| 36 months |
Estimated loss:
| 18.0% | | |
| | | |
|
|
Starting lender yield:
| 29.00% |
Starting borrower rate/APR:
| 30.00% / 32.38% |
Starting monthly payment:
| $1,061.29 |
| |
|
Auction yield range:
| 16.93% - 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:
| Jul-1997 |
Debt/Income ratio:
| Self-employed (DTI Not Calculated) |
|
Basic (1-10):
| 2 |
Inquiries last 6m:
| 4 | Employment status: | Self-employed |
| Enhanced (1-5): | 2 |
Current / open credit lines:
| 5
/
5 | Length of status: | 1y 4m |
|
Credit score:
| 720-739 (Jul-2010) |
Total credit lines:
| 5 |
Occupation: | Food Service |
|
Now delinquent:
| 0 |
Revolving credit balance:
| $1,556 | 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:
| pleasant-commerce9 |
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
Equipment for Cupcake Bakery
About Us:
Our business is a gourmet cupcake bakery specializing in small sweet treats with a unique Hollywood theme. Our bakery will be located within Southern California and will carry 20 different cupcake flavors, coffee, and tea all available for take out. Additionally, our bakery will be hip and fun and will also offer catering for weddings, birthday parties, corporate events and more. Our bakery will be centered on a relaxed environment that will set us apart from the Orange County competition. (Photo above is from our first wedding event October 2009)
Purpose of loan:
This loan will be used to purchase equipment for our growing cupcake bakery and will help us open a traditional retail shop. We currently have $15,000 in pre-orders for 2010 alone and have operated exclusively on word of mouth. With a brick and mortar retail location we will be able to accept walk-in orders and launch a full scale marketing campaign.
My financial situation:
I am a good candidate for this loan because currently I have little debt and virtually no expenses as shown below. Upon start-up my business partner and I have injected $30,000 of our own money and cut down our open personal expenses to help grow our cupcake bakery. Additionally, we will be receiving $28,000 back from our landlord for tenant improvement.
Monthly net income: $ 4,500.00
Monthly expenses: $1,375.00
Housing: $0
Insurance: $75.00
Car expenses: $0 (paid off)
Utilities: $300.00
Phone, cable, internet: $250.00
Food, entertainment: $500.00
Clothing, household expenses $0
Credit cards and other loans: $100.00
Other expenses: $150.00 (gas for cars)
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
466194
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
|
Amount:
| $1,000.00 |
Prosper Rating:
| C |
Auction Duration:
| 7 days
|
|
Term:
| 36 months |
Estimated loss:
| 6.5% | | |
| | | |
|
|
Starting lender yield:
| 18.90% |
Starting borrower rate/APR:
| 19.90% / 23.68% |
Starting monthly payment:
| $37.11 |
| |
|
Auction yield range:
| 7.93% - 18.90% |
Estimated loss impact:
| 6.94% | | |
|
Lender servicing fee:
| 1.00% |
Estimated return:
| 11.96% | | |
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
|
Prosper scores:
| |
First credit line:
| Aug-2000 |
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:
| 6
/
4 | Length of status: | 2y 6m |
|
Credit score:
| 640-659 (Jul-2010) |
Total credit lines:
| 17 |
Occupation: | Engineer - Mechanic... |
|
Now delinquent:
| 0 |
Revolving credit balance:
| $20,776 | Stated income: | $50,000-$74,999 |
|
Amount delinquent:
| $0 |
Bankcard utilization:
| 99% | | |
|
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| No | | |
|
Delinquencies in last 7y:
| 0 | | | | |
|
Screen name:
| cactus551 |
Borrower's state:
| NewYork |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Description
Debt Free - In It For The Long Haul
Purpose of loan:
This loan will be used to? pay off credit card debt.? I've borrowed a lot in the past but have learned a lot - starting to get my house in order.?
My financial situation:
I am a good candidate for this loan because? I've never missed a payment and have always been on time.??????????????
Monthly net income: $ 3250
Monthly expenses: $
??Housing: $ 1000
??Insurance: $ 0
??Car expenses: $?0
??Utilities: $ 40
??Phone, cable, internet: $ 40
??Food, entertainment: $
??Clothing, household expenses $
??Credit cards and other loans: $
??Other expenses: $
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
466198
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
|
Amount:
| $7,000.00 |
Prosper Rating:
| HR |
Auction Duration:
| 7 days
|
|
Term:
| 36 months |
Estimated loss:
| 18.0% | | |
| | | |
|
|
Starting lender yield:
| 34.00% |
Starting borrower rate/APR:
| 35.00% / 37.45% |
Starting monthly payment:
| $316.65 |
| |
|
Auction yield range:
| 16.93% - 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-1995 |
Debt/Income ratio:
| 16% |
|
Basic (1-10):
| 5 |
Inquiries last 6m:
| 1 | Employment status: | Full-time employee |
| Enhanced (1-5): | 5 |
Current / open credit lines:
| 4
/
4 | Length of status: | 8y 4m |
|
Credit score:
| 640-659 (Jul-2010) |
Total credit lines:
| 12 |
Occupation: | Professional |
|
Now delinquent:
| 0 |
Revolving credit balance:
| $1,232 | Stated income: | $75,000-$99,999 |
|
Amount delinquent:
| $0 |
Bankcard utilization:
| 78% | | |
|
Public records last 12m / 10y:
| 0/ 3 |
Homeownership:
| No | | |
|
Delinquencies in last 7y:
| 11 | | | | |
|
Screen name:
| loot-equilibrium3 |
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 Dream Wedding
Purpose of loan:
This loan will be used to help finance my wedding expenses
My financial situation:
I am a good candidate for this loan because I have the means to repay the loan on a monthly basis.
Monthly net income: $ 4008.00
Monthly expenses: $
??Housing: $ 700
??Insurance: $ 97
??Car expenses: $ 397
??Utilities: $?240
??Phone, cable, internet: $ 160
??Food, entertainment: $ 100
??Clothing, household expenses $ 200
??Credit cards and other loans: $ 443
??Other expenses: $
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
466200
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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:
| 6.5% | | |
| | | |
|
|
Starting lender yield:
| 16.00% |
Starting borrower rate/APR:
| 17.00% / 19.20% |
Starting monthly payment:
| $71.31 |
| |
|
Auction yield range:
| 7.93% - 16.00% |
Estimated loss impact:
| 6.86% | | |
|
Lender servicing fee:
| 1.00% |
Estimated return:
| 9.14% | | |
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
|
Prosper scores:
| |
First credit line:
| Jul-2005 |
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:
| 14
/
13 | Length of status: | 4y 6m |
|
Credit score:
| 640-659 (Jul-2010) |
Total credit lines:
| 20 |
Occupation: | Other |
|
Now delinquent:
| 0 |
Revolving credit balance:
| $4,160 | Stated income: | $75,000-$99,999 |
|
Amount delinquent:
| $0 |
Bankcard utilization:
| 81% | | |
|
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| No | | |
|
Delinquencies in last 7y:
| 0 | | | | |
|
Screen name:
| techie102 |
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 / 2 |
On-time:
| 22 ( 88% )
| 640-659 (Latest)
|
|
Principal borrowed:
| $3,750.00 | < 31 days late:
| 3
( 12% )
| 640-659
(Jun-2010)
660-679
(Mar-2008)
620-639
(Jan-2008)
620-639
(Dec-2007)
|
|
Principal balance:
| $0.00 |
31+ days late:
| 0
( 0% )
|
|
Total payments billed:
| 25 | | |
Description
Young Entrepreneur Business Growth
Purpose of loan:
The purpose of this loan is to invest in marketing and to acquire new clients for my growing web marketing company.
Business Details
My business provides services to corporations, non-profits, and marketing agencies. Your support will directly impact my ability to meet my present obligations and move forward with more sales.
Financial Situation
I have paid every lender consistently and in good standing with all (car loan, equipment leases, cell phone bill, rent, college loans). I have a low 18% DTI ratio. My two previous Prosper loans have both been paid off in full. I will do the same with this loan.
Education & Experience:
I completed my B.B.A. degree in Entrepreneurship at an accredited 4-year, Division I university. I began making web sites at age 11, generating cash flow by 15, with continued annual growth.
Repayment Plan:
Payments will be made on time. To repay this loan I will use our existing contracts. If the business grows substantially, monthly payment amounts may be increased.
Monthly Income = $4,000.00Monthly Expenses
Living Expenses= $900
Office = $500
Auto/Travel = $500
College loan: $600
Business: $1,000
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
466218
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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:
| A |
Auction Duration:
| 7 days
|
|
Term:
| 36 months |
Estimated loss:
| 2.1% | | |
| | | |
|
|
Starting lender yield:
| 8.28% |
Starting borrower rate/APR:
| 9.28% / 11.38% |
Starting monthly payment:
| $143.69 |
| |
|
Auction yield range:
| 3.93% - 8.28% |
Estimated loss impact:
| 2.12% | | |
|
Lender servicing fee:
| 1.00% |
Estimated return:
| 6.16% | | |
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
|
Prosper scores:
| |
First credit line:
| Aug-1991 |
Debt/Income ratio:
| Self-employed (DTI Not Calculated) |
|
Basic (1-10):
| 9 |
Inquiries last 6m:
| 0 | Employment status: | Self-employed |
| Enhanced (1-5): | 3 |
Current / open credit lines:
| 8
/
7 | Length of status: | 3y 4m |
|
Credit score:
| 740-759 (Jul-2010) |
Total credit lines:
| 36 |
Occupation: | Other |
|
Now delinquent:
| 0 |
Revolving credit balance:
| $51,290 | Stated income: | $75,000-$99,999 |
|
Amount delinquent:
| $0 |
Bankcard utilization:
| 69% | | |
|
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| Yes | | |
|
Delinquencies in last 7y:
| 0 | | | | |
|
Screen name:
| value-bloom7 |
Borrower's state:
| Michigan |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Description
Paying off credit cards
Purpose of loan:
This loan will be used to pay off my credit cards that were used while I initially grew my business in the first few years. I now have a healthy business that is in a state of growth with new employees who are pushing the business forward and I need to find ways to open cash flow. This loan would allow me to pay off the credit card debt sooner by eliminating the excess interest rates charged by the credit card companies.
My financial situation:
I am a good candidate for this loan because I believe in giving back to the community and I take financial responsibility very seriously. I pay all my bills and debts on time. This loan would enable me to free up income to invest back into the business, my employees and the community.
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
466224
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
|
Amount:
| $3,500.00 |
Prosper Rating:
| E |
Auction Duration:
| 7 days
|
|
Term:
| 36 months |
Estimated loss:
| 14.0% | | |
| | | |
|
|
Starting lender yield:
| 33.23% |
Starting borrower rate/APR:
| 34.23% / 36.67% |
Starting monthly payment:
| $156.80 |
| |
|
Auction yield range:
| 13.93% - 33.23% |
Estimated loss impact:
| 15.53% | | |
|
Lender servicing fee:
| 1.00% |
Estimated return:
| 17.70% | | |
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-1987 |
Debt/Income ratio:
| 16% |
|
Basic (1-10):
| 6 |
Inquiries last 6m:
| 3 | Employment status: | Full-time employee |
| Enhanced (1-5): | 3 |
Current / open credit lines:
| 14
/
9 | Length of status: | 11y 2m |
|
Credit score:
| 660-679 (Jul-2010) |
Total credit lines:
| 29 |
Occupation: | Computer Programmer |
|
Now delinquent:
| 0 |
Revolving credit balance:
| $94,640 | Stated income: | $100,000+ |
|
Amount delinquent:
| $0 |
Bankcard utilization:
| 91% | | |
|
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| Yes | | |
|
Delinquencies in last 7y:
| 0 | | | | |
|
Screen name:
| nimble-loyalty |
Borrower's state:
| Washington |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Description
paying of 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
466236
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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:
| E |
Auction Duration:
| 7 days
|
|
Term:
| 36 months |
Estimated loss:
| 14.0% | | |
| | | |
|
|
Starting lender yield:
| 13.93% |
Starting borrower rate/APR:
| 14.93% / 17.10% |
Starting monthly payment:
| $519.47 |
| |
|
Auction yield range:
| 13.93% - 13.93% |
Estimated loss impact:
| 14.60% | | |
|
Lender servicing fee:
| 1.00% |
Estimated return:
| -0.67% | | |
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
|
Prosper scores:
| |
First credit line:
| Mar-2000 |
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:
| 11
/
10 | Length of status: | 1y 6m |
|
Credit score:
| 640-659 (Jul-2010) |
Total credit lines:
| 25 |
Occupation: | Military Enlisted |
|
Now delinquent:
| 0 |
Revolving credit balance:
| $19,259 | Stated income: | $50,000-$74,999 |
|
Amount delinquent:
| $0 |
Bankcard utilization:
| 83% | | |
|
Public records last 12m / 10y:
| 0/ 1 |
Homeownership:
| Yes | | |
|
Delinquencies in last 7y:
| 0 | | | | |
|
Screen name:
| sentimental-interest |
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
Airman looking to pay debt smarter
Hello,
I am 27 years old?and a nine-year veteran of the U.S. Air Force. After getting off active duty in early 2009, I am currently an enlisted?Airman?(E-6)?in the Wisconsin Air National Guard and I work full time as?a federal employee (GS-9 Step 8) for the Wisconsin Department of Military Affairs.
My wife of?six years and I decided to divorce?two years ago.?It was a mutual seperation and we processed our own seperation.?From the divorce, I took all of the?joint credit?card debt (~$15,000) in exchange for the outright ownership of our house in North Carolina. We bought the house brand new in 2007 for $163,000.?Luckily the housing market hasn't hit the area around the two bases near my house (Fort Bragg and Pope AFB), but nonetheless, I can't afford to pay the mortgage while it sits on the market for a few months. I'm currently renting it out and hope to sell it when the lease is up two years from now.
In the meantime, I would love to pay off my debt so I can use the profit from selling my house more productively ... rather than to pay off stale debt.
Purpose of loan:
I am looking to consolidate four credit cards totalling $13,500 with an average interest rate of 29 percent.
My financial situation:
I have a great paying job but instead of saving, investing, etc., I find myself wasting money paying off a large amount of debt and extremely high interest rates. I pay all of my bills, utilitiies, etc., every month but I do not live as comfortably as I would like. I pay more than the minimum every month.?I currently live in a city where the cost of living is higher than I am used to so it has tightened my budget a little bit. I am by no means starving every month -- I contribute 5% of my pay to a retirement account each check, pay for health insurance,?pay all of my bills on time and pay more than the minimum amounts.
I have a $1,100 mortgage, but have a long-term tenant who pays me $1,300 each month. My truck is paid off but I do live in a $1,025/month apartment.
Monthly net income: $ 3400
Monthly expenses: $
??Housing: $ 1025
??Insurance: $ 115
??Car expenses: $?200
??Utilities: $ 200
??Phone, cable, internet: $ 200?
??Food, entertainment: $ 200
??Clothing, household expenses $ 100
??Credit cards and other loans: $ 850
??Other expenses: $ 350 (child support)
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
466242
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
|
Amount:
| $4,400.00 |
Prosper Rating:
| 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:
| $140.33 |
| |
|
Auction yield range:
| 3.93% - 8.20% |
Estimated loss impact:
| 2.12% | | |
|
Lender servicing fee:
| 1.00% |
Estimated return:
| 6.08% | | |
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
|
Prosper scores:
| |
First credit line:
| Sep-1999 |
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:
| 7
/
2 | Length of status: | 1y 10m |
|
Credit score:
| 740-759 (Jul-2010) |
Total credit lines:
| 17 |
Occupation: | Biologist |
|
Now delinquent:
| 0 |
Revolving credit balance:
| $4,414 | Stated income: | $25,000-$49,999 |
|
Amount delinquent:
| $0 |
Bankcard utilization:
| 33% | | |
|
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| No | | |
|
Delinquencies in last 7y:
| 0 | | | | |
|
Screen name:
| bonus-baker9 |
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 card
Purpose of loan:
To pay off my debt at a lower rate.
My financial situation:
I am very responsible with my payments.? I will have a stable income for the next three years, as I am a PhD graduate student and receive an annual stipend.? My stipend may be raised in the coming months, but will never decrease.
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
466248
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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:
| 16.93% - 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-1987 |
Debt/Income ratio:
| 48% |
|
Basic (1-10):
| 4 |
Inquiries last 6m:
| 2 | Employment status: | Full-time employee |
| Enhanced (1-5): | 2 |
Current / open credit lines:
| 13
/
7 | Length of status: | 12y 11m |
|
Credit score:
| 640-659 (Jul-2010) |
Total credit lines:
| 32 |
Occupation: | Professional |
|
Now delinquent:
| 1 |
Revolving credit balance:
| $4,253 | Stated income: | $25,000-$49,999 |
|
Amount delinquent:
| $30 |
Bankcard utilization:
| 45% | | |
|
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| Yes | | |
|
Delinquencies in last 7y:
| 2 | | | | |
|
Screen name:
| bold-dedicated-truth |
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
pay off loans to get back on track
Purpose of loan:
This loan will be used to? pay off payday loans I had to use to survive.? I was trying to pay everything while my husbands father was sick. Hard to keep up two households.
My financial situation:
I am a good candidate for this loan because? I will be able to pay this loan back and make my payment on time. My husbands father has since passed away and he is no longer having to pay for his medical expenses.
Monthly net income: $ 2600.00
Monthly expenses: $
??Housing: $ 526.00????
??Insurance: $ 86.00
??Car expenses: $ 0.00
??Utilities: $ 160.00
??Phone, cable, internet: $ 280.00????
??Food, entertainment: $ 300.00
??Clothing, household expenses $ 100.00
??Credit cards and other loans: $ 540.00
??Other expenses: $
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
466254
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
|
Amount:
| $3,500.00 |
Prosper Rating:
| HR |
Auction Duration:
| 7 days
|
|
Term:
| 36 months |
Estimated loss:
| 18.0% | | |
| | | |
|
|
Starting lender yield:
| 34.00% |
Starting borrower rate/APR:
| 35.00% / 37.45% |
Starting monthly payment:
| $158.33 |
| |
|
Auction yield range:
| 16.93% - 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-1996 |
Debt/Income ratio:
| 37% |
|
Basic (1-10):
| 5 |
Inquiries last 6m:
| 0 | Employment status: | Full-time employee |
| Enhanced (1-5): | 3 |
Current / open credit lines:
| 3
/
3 | Length of status: | 3y 11m |
|
Credit score:
| 660-679 (Jul-2010) |
Total credit lines:
| 24 |
Occupation: | Other |
|
Now delinquent:
| 0 |
Revolving credit balance:
| $3,184 | Stated income: | $1-$24,999 |
|
Amount delinquent:
| $0 |
Bankcard utilization:
| 96% | | |
|
Public records last 12m / 10y:
| 0/ 1 |
Homeownership:
| No | | |
|
Delinquencies in last 7y:
| 31 | | | | |
|
Screen name:
| market-gravity1 |
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 bills
Purpose of loan:
This loan will be used to?to pay off?bills?
My financial situation:
I am a good candidate for this loan because? I'm great at paying back my debts
Monthly net income: $ 1200.00
Monthly expenses: $
??Housing: $ 0
??Insurance: $ 0
??Car expenses:?0
??Utilities: $??150.00
??Phone, cable, internet: $ 0
??Food, entertainment: $100.00
??Clothing, household expenses $ 0
??Credit cards and other loans: $ 45.00
??Other expenses: $
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
439155
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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:
| 2.93% - 6.10% |
Estimated loss impact:
| 0.60% | | |
|
Lender servicing fee:
| 1.00% |
Estimated return:
| 5.50% | | |
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
|
Prosper scores:
| |
First credit line:
| Oct-1992 |
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:
| 14
/
13 | Length of status: | 7y 5m |
|
Credit score:
| 760-779 (Jul-2010) |
Total credit lines:
| 39 |
Occupation: | Executive |
|
Now delinquent:
| 0 |
Revolving credit balance:
| $29,584 | Stated income: | $100,000+ |
|
Amount delinquent:
| $0 |
Bankcard utilization:
| 35% | | |
|
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| Yes | | |
|
Delinquencies in last 7y:
| 0 | | | | |
|
Screen name:
| Ducatiman1978 |
Borrower's state:
| Florida |
Borrower's group:
| Virginia Tech Alumni |
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
| Loan history | Payment history | Credit score history |
|
Active / total loans:
| 0 / 1 |
On-time:
| 1 ( 100% )
| 760-779 (Latest)
|
|
Principal borrowed:
| $1,000.00 | < 31 days late:
| 0
( 0% )
| 680-699
(Nov-2007)
720-739
(Dec-2006)
720-739
(Oct-2006)
|
|
Principal balance:
| $0.00 |
31+ days late:
| 0
( 0% )
|
|
Total payments billed:
| 1 | | |
Description
Reinvesting in Prosper
Purpose of loan:
This loan will be used to reinvest in the Prosper Marketplace.
My financial situation:My wife and I collectively make over $160k per year.
I am a good candidate for this loan because?I am using it for investing.
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
459801
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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:
| 3.93% - 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-2001 |
Debt/Income ratio:
| 12% |
|
Basic (1-10):
| 9 |
Inquiries last 6m:
| 0 | Employment status: | Full-time employee |
| Enhanced (1-5): | 5 |
Current / open credit lines:
| 9
/
9 | Length of status: | 1y 9m |
|
Credit score:
| 740-759 (Jul-2010) |
Total credit lines:
| 15 |
Occupation: | Engineer - Mechanic... |
|
Now delinquent:
| 0 |
Revolving credit balance:
| $1,741 | Stated income: | $50,000-$74,999 |
|
Amount delinquent:
| $0 |
Bankcard utilization:
| 5% | | |
|
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| No | | |
|
Delinquencies in last 7y:
| 0 | | | | |
|
Screen name:
| kind-fulfilling-hope |
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
My personal loan
This listing has a higher likelihood to fund and therefore does not include a description. If you would like additional information from this borrower, please ask a question in the Q&A section below.
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
462625
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
|
Amount:
| $2,600.00 |
Prosper Rating:
| C |
Auction Duration:
| 7 days
|
|
Term:
| 36 months |
Estimated loss:
| 6.5% | | |
| | | |
|
|
Starting lender yield:
| 18.90% |
Starting borrower rate/APR:
| 19.90% / 22.14% |
Starting monthly payment:
| $96.49 |
| |
|
Auction yield range:
| 7.93% - 18.90% |
Estimated loss impact:
| 6.94% | | |
|
Lender servicing fee:
| 1.00% |
Estimated return:
| 11.96% | | |
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
|
Prosper scores:
| |
First credit line:
| Feb-1997 |
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:
| 6
/
4 | Length of status: | 10y 3m |
|
Credit score:
| 680-699 (Jun-2010) |
Total credit lines:
| 14 |
Occupation: | Computer Programmer |
|
Now delinquent:
| 0 |
Revolving credit balance:
| $14,318 | Stated income: | $75,000-$99,999 |
|
Amount delinquent:
| $0 |
Bankcard utilization:
| 76% | | |
|
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| No | | |
|
Delinquencies in last 7y:
| 0 | | | | |
|
Screen name:
| bewitching-payout |
Borrower's state:
| California |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Description
Paying off high APR credit card
Purpose of loan:
This loan will be used to?Pay off a credit card with a high interest rate.
My financial situation:
I am a good candidate for this loan because?my position in the company that I work for is very stable, and I have been here for over 10 years now. Also, I have been very reliable in making my credit card and loan payments.
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
462691
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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:
| 26.33% |
Starting borrower rate/APR:
| 27.33% / 29.67% |
Starting monthly payment:
| $246.01 |
| |
|
Auction yield range:
| 10.93% - 26.33% |
Estimated loss impact:
| 10.65% | | |
|
Lender servicing fee:
| 1.00% |
Estimated return:
| 15.68% | | |
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
|
Prosper scores:
| |
First credit line:
| Mar-1980 |
Debt/Income ratio:
| 27% |
|
Basic (1-10):
| 7 |
Inquiries last 6m:
| 3 | Employment status: | Full-time employee |
| Enhanced (1-5): | 3 |
Current / open credit lines:
| 18
/
12 | Length of status: | 34y 10m |
|
Credit score:
| 740-759 (Jun-2010) |
Total credit lines:
| 46 |
Occupation: | Truck Driver |
|
Now delinquent:
| 0 |
Revolving credit balance:
| $28,349 | Stated income: | $50,000-$74,999 |
|
Amount delinquent:
| $0 |
Bankcard utilization:
| 71% | | |
|
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| Yes | | |
|
Delinquencies in last 7y:
| 0 | | | | |
|
Screen name:
| credible-compassion9 |
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?
to consolidate credit card debt
My financial situation:
I am a good candidate for this loan because?
Monthly net income: $
3400.00
Monthly expenses: $
??Housing: $?791?????Insurance: $?95.00??Car expenses: $ 200
??Utilities: $ 200
??Phone, cable, internet: $?70??Food, entertainment: $
??Clothing, household expenses $ 400
??Credit cards and other loans: $ 2000
??Other expenses: $ 0
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
463789
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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:
| 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:
| $345.92 |
| |
|
Auction yield range:
| 5.93% - 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:
| Oct-1989 |
Debt/Income ratio:
| 10% |
|
Basic (1-10):
| 8 |
Inquiries last 6m:
| 0 | Employment status: | Full-time employee |
| Enhanced (1-5): | 5 |
Current / open credit lines:
| 19
/
16 | Length of status: | 4y 4m |
|
Credit score:
| 740-759 (Jun-2010) |
Total credit lines:
| 37 |
Occupation: | Executive |
|
Now delinquent:
| 0 |
Revolving credit balance:
| $43,943 | Stated income: | $100,000+ |
|
Amount delinquent:
| $0 |
Bankcard utilization:
| 91% | | |
|
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| Yes | | |
|
Delinquencies in last 7y:
| 0 | | | | |
|
Screen name:
| cash-comet3 |
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:
| 1 / 1 |
On-time:
| 8 ( 100% )
| 740-759 (Latest)
|
|
Principal borrowed:
| $5,000.00 | < 31 days late:
| 0
( 0% )
| 760-779
(Sep-2009)
|
|
Principal balance:
| $4,104.59 |
31+ days late:
| 0
( 0% )
|
|
Total payments billed:
| 8 | | |
Description
pay off high interest debt
Purpose of loan:
This loan will be used to pay off some of my high interest credit card debt
My financial situation:
I am a good candidate for this loan because I have a good stable income and have not been late on any payments.
Monthly net income: $ 16000
Monthly expenses: $
??Housing: $ 3500
??Insurance: $ 330
??Car expenses: $800
??Utilities: $ 700
??Phone, cable, internet: $ 200
??Food, entertainment: $
??Clothing, household expenses $
??Credit cards and other loans: $
??Other expenses: $
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
464815
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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:
| 5.93% - 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:
| Oct-1986 |
Debt/Income ratio:
| 8% |
|
Basic (1-10):
| 8 |
Inquiries last 6m:
| 2 | Employment status: | Full-time employee |
| Enhanced (1-5): | 5 |
Current / open credit lines:
| 8
/
7 | Length of status: | 14y 10m |
|
Credit score:
| 740-759 (Jul-2010) |
Total credit lines:
| 49 |
Occupation: | Teacher |
|
Now delinquent:
| 0 |
Revolving credit balance:
| $2,251 | Stated income: | $75,000-$99,999 |
|
Amount delinquent:
| $0 |
Bankcard utilization:
| 37% | | |
|
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| Yes | | |
|
Delinquencies in last 7y:
| 26 | | | | |
|
Screen name:
| aswsweet16 |
Borrower's state:
| Michigan |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Description
Loan Moving Costs
Purpose of loan:
This loan will be used to?
For closing costs and moving expenses and car repair.
My financial situation:
I am a good candidate for this loan because? I have a good income and have raised my credit score over 200 points in the ast?3 years.
Monthly net income: $ 9,000
Monthly expenses: $
??Housing: $ 1750
??Insurance: $ 200
??Car expenses: $ 0
??Utilities: $ 300
??Phone, cable, internet: $ 120
??Food, entertainment: $ 400
??Clothing, household expenses $ 100
??Credit cards and other loans: $ 250
??Other expenses: $ vary
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
465453
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
|
Amount:
| $19,000.00 |
Prosper Rating:
| HR |
Auction Duration:
| 7 days
|
|
Term:
| 36 months |
Estimated loss:
| 18.0% | | |
| | | |
|
|
Starting lender yield:
| 34.00% |
Starting borrower rate/APR:
| 35.00% / 37.45% |
Starting monthly payment:
| $859.48 |
| |
|
Auction yield range:
| 16.93% - 34.00% |
Estimated loss impact:
| 20.01% | | |
|
Lender servicing fee:
| 1.00% |
Estimated return:
| 13.99% | | |
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
|
Prosper scores:
| |
First credit line:
| Sep-1995 |
Debt/Income ratio:
| 11% |
|
Basic (1-10):
| 4 |
Inquiries last 6m:
| 0 | Employment status: | Full-time employee |
| Enhanced (1-5): | 5 |
Current / open credit lines:
| 4
/
3 | Length of status: | 0y 8m |
|
Credit score:
| 740-759 (Jun-2010) |
Total credit lines:
| 26 |
Occupation: | Other |
|
Now delinquent:
| 0 |
Revolving credit balance:
| $745 | Stated income: | $75,000-$99,999 |
|
Amount delinquent:
| $0 |
Bankcard utilization:
| 74% | | |
|
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| Yes | | |
|
Delinquencies in last 7y:
| 0 | | | | |
|
Screen name:
| forthright-euro1 |
Borrower's state:
| Florida |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Description
My personal loan
Purpose of loan: This loan will be used to help pay daughter?s college tuition, housing and computer. We also want to purchase her a newer more reliable car.?
My financial situation: I am a good candidate for this loan because I?m a mature dependable individual with full time employment. Although I have had credit issues in the past I have since satisfied several loans to include 2 trucks and a motorcycle. Besides my house I have no major bills and I keep my credit cards paid down.
Monthly net income: $ 7200.00
Monthly expenses: $ 2780.97???
Housing: $ 1498.00???
Insurance: $ 250.00???
Car expenses: $ 0.00 No car loans??
Utilities: $ 80.00 ? 150.00???
Phone, cable, internet: $ 100.00??
Food, entertainment: $ 50.00???
Clothing, household expenses $ 100.00???
Credit cards and other loans: Master card $632.97, Belks $0.00
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
465579
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
|
Amount:
| $10,000.00 |
Prosper Rating:
| HR |
Auction Duration:
| 7 days
|
|
Term:
| 36 months |
Estimated loss:
| 34.5% | | |
| | | |
|
|
Starting lender yield:
| 34.00% |
Starting borrower rate/APR:
| 35.00% / 37.45% |
Starting monthly payment:
| $452.36 |
| |
|
Auction yield range:
| 16.93% - 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:
| Feb-2007 |
Debt/Income ratio:
| 47% |
|
Basic (1-10):
| 1 |
Inquiries last 6m:
| 9 | Employment status: | Full-time employee |
| Enhanced (1-5): | 1 |
Current / open credit lines:
| 11
/
10 | Length of status: | 9y 6m |
|
Credit score:
| 700-719 (Jul-2010) |
Total credit lines:
| 15 |
Occupation: | Administrative Assi... |
|
Now delinquent:
| 0 |
Revolving credit balance:
| $2,675 | Stated income: | $25,000-$49,999 |
|
Amount delinquent:
| $0 |
Bankcard utilization:
| 42% | | |
|
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| Yes | | |
|
Delinquencies in last 7y:
| 0 | | | | |
|
Screen name:
| return-portait6 |
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
PAYING OFF CREDIT CARDS
Purpose of loan:
This loan will be used to? Pay off bills and credit cards
My financial situation:
I am a good candidate for this loan because? I have a good record of paying bills and loans on time.
Monthly net income: $ 2,500
Monthly expenses: $
??Housing: $ 0
??Insurance: $ 0
??Car expenses: $ 100.00
??Utilities: $ 250.00
??Phone, cable, internet: $ 120.00
??Food, entertainment: $ 50.00
??Clothing, household expenses $ 50.00
??Credit cards and other loans: $ 200.00
??Other expenses: $ 0
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
465659
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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:
| 16.93% - 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-2002 |
Debt/Income ratio:
| 26% |
|
Basic (1-10):
| 5 |
Inquiries last 6m:
| 4 | Employment status: | Full-time employee |
| Enhanced (1-5): | 1 |
Current / open credit lines:
| 11
/
10 | Length of status: | 5y 10m |
|
Credit score:
| 700-719 (Jul-2010) |
Total credit lines:
| 27 |
Occupation: | Teacher |
|
Now delinquent:
| 0 |
Revolving credit balance:
| $26,486 | Stated income: | $75,000-$99,999 |
|
Amount delinquent:
| $0 |
Bankcard utilization:
| 98% | | |
|
Public records last 12m / 10y:
| 0/ 1 |
Homeownership:
| Yes | | |
|
Delinquencies in last 7y:
| 0 | | | | |
|
Screen name:
| Goldilocks_57 |
Borrower's state:
| Maryland |
Borrower's group:
| Debt Consolidators |
Credit and homeownership information was obtained 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:
| 55 ( 95% )
| 700-719 (Latest)
|
|
Principal borrowed:
| $13,001.00 | < 31 days late:
| 3
( 5% )
| 720-739
(Mar-2008)
720-739
(Jul-2007)
|
|
Principal balance:
| $1,970.83 |
31+ days late:
| 0
( 0% )
|
|
Total payments billed:
| 58 | | |
Description
Fixing my Car - major work
Purpose of loan:
This loan will be used to fix my 2004 Maxima.? It is still a great car, but it needs some major engine work to?bring it up to highway standards.?
My financial situation:
I am a great candidate for this loan because I have had 2 previous prosper loans (one is paid off and the other will be paid off in March).? When I originally took out these loans (to pay off high credit card debt) I was given an "A" Rating on Prosper and did not miss a payment until I switched banks for my automatic deposit.? Unknown to me, my school district messed up the transfer date and my check was not put in the new account on the day I was expecting it to be deposited.? By the time I found out about the error,?my two prosper payments?had already been?returned.? When I found out (less than 5 days later) I made the payment right away.? NOW, my credit rating with Prosper is HR which does not reflect my paying ability.? I make an annual salary of $92,000 a year and?will be starting my 30th year of teaching this fall (the 7th with my current employer).? In addition to my yearly salary I also?make an average of $6 - 8,000 a year for summer school and homebound tutoring, so I am very capable of paying back this loan, and I WILL pay it back!??I have been offered a 3 - 5% loan at 2 local car?dealerships if I?want to buy a brand new vehicle,?but I want to re-establish my "A "credit rating with prosper, and fix my car which is in very good condition, but just needs some transmission and air conditioning work.? To me this is much smarter than spending $25,000 on a new car!? Please invest in me; I promise, you?won't be disappointed, and, you will get a VERY high interest rate!
Monthly net income: $5800 ( with base salary)
Monthly expenses: $
??Housing: $ 1375.00
??Insurance: $ 100
??Car expenses: $ 200
??Utilities: $ 150
??Phone, cable, internet: $ 150
??Food, entertainment: $ 300
??Clothing, household expenses $ 250
??Credit cards and other loans: $ 250
??Other expenses: $ 250
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
465665
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
|
Amount:
| $8,300.00 |
Prosper Rating:
| HR |
Auction Duration:
| 7 days
|
|
Term:
| 36 months |
Estimated loss:
| 34.5% | | |
| | | |
|
|
Starting lender yield:
| 16.93% |
Starting borrower rate/APR:
| 17.93% / 20.14% |
Starting monthly payment:
| $299.77 |
| |
|
Auction yield range:
| 16.93% - 16.93% |
Estimated loss impact:
| 35.43% | | |
|
Lender servicing fee:
| 1.00% |
Estimated return:
| -18.50% | | |
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:
| Aug-1996 |
Debt/Income ratio:
| Self-employed (DTI Not Calculated) |
|
Basic (1-10):
| 1 |
Inquiries last 6m:
| 4 | Employment status: | Self-employed |
| Enhanced (1-5): | 2 |
Current / open credit lines:
| 11
/
11 | Length of status: | 0y 6m |
|
Credit score:
| 660-679 (Jul-2010) |
Total credit lines:
| 35 |
Occupation: | Accountant/CPA |
|
Now delinquent:
| 1 |
Revolving credit balance:
| $9,563 | Stated income: | $25,000-$49,999 |
|
Amount delinquent:
| $235 |
Bankcard utilization:
| 68% | | |
|
Public records last 12m / 10y:
| 0/ 1 |
Homeownership:
| Yes | | |
|
Delinquencies in last 7y:
| 0 | | | | |
|
Screen name:
| note-quark3 |
Borrower's state:
| Washington |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Description
Paying off credit cards
Purpose of loan:
This loan will be used to?
pay off 3 credit cards that total 8300.00 These are made up of items I bought for my 88 year old father and things I got for my pets.
My financial situation:
I am a good candidate for this loan because?
I have started my own business and now have 3 clients which pay me over $3300 a month before expenses.? All of these clients are long term and my buisness should also grow again before the end of the year because I also do taxes.
Monthly net income: $
3300.00
Monthly expenses: $
??Housing: $
1208
??Insurance: $
inc
??Car expenses: $
235
??Utilities: $
68
??Phone, cable, internet: $
158
??Food, entertainment: $
250
??Clothing, household expenses $
65
??Credit cards and other loans: $
450
??Other expenses: $
150
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
465677
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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:
| 3.93% - 8.20% |
Estimated loss impact:
| 2.12% | | |
|
Lender servicing fee:
| 1.00% |
Estimated return:
| 6.08% | | |
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
|
Prosper scores:
| |
First credit line:
| Jan-1998 |
Debt/Income ratio:
| 17% |
|
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: | 3y 0m |
|
Credit score:
| 740-759 (Jul-2010) |
Total credit lines:
| 27 |
Occupation: | Computer Programmer |
|
Now delinquent:
| 0 |
Revolving credit balance:
| $41,968 | 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:
| openness-pragmatist |
Borrower's state:
| NorthCarolina |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Description
Paying off my credit cards
The purpose of this loan is to reduce a higher rate interest credit card. I am currently attempting to get debt free and have never been late or past due or have had any negative ratings on my credit score. I have a mortgage and currently do not have any auto loans. I am looking for a lower rate to payoff this credit card asap.
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
465689
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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:
| AA |
Auction Duration:
| 7 days
|
|
Term:
| 36 months |
Estimated loss:
| 0.6% | | |
| | | |
|
|
Starting lender yield:
| 9.00% |
Starting borrower rate/APR:
| 10.00% / 10.34% |
Starting monthly payment:
| $38.72 |
| |
|
Auction yield range:
| 2.93% - 9.00% |
Estimated loss impact:
| 0.61% | | |
|
Lender servicing fee:
| 1.00% |
Estimated return:
| 8.39% | | |
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
|
Prosper scores:
| |
First credit line:
| Nov-1977 |
Debt/Income ratio:
| 3% |
|
Basic (1-10):
| 10 |
Inquiries last 6m:
| 0 | Employment status: | Full-time employee |
| Enhanced (1-5): | 3 |
Current / open credit lines:
| 1
/
1 | Length of status: | 12y 10m |
|
Credit score:
| 740-759 (Jun-2010) |
Total credit lines:
| 24 |
Occupation: | Other |
|
Now delinquent:
| 10 |
Revolving credit balance:
| $0 | Stated income: | $25,000-$49,999 |
|
Amount delinquent:
| $0 |
Bankcard utilization:
| 0% | | |
|
Public records last 12m / 10y:
| 0/ 1 |
Homeownership:
| No | | |
|
Delinquencies in last 7y:
| 11 | | | | |
|
Screen name:
| silver-admirer2 |
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
Unexpected Family Visiting 7/31-8/7
Purpose of loan:
This loan will be used for?food, gas and miscellaneous expenses to accommodate?12 family members that are coming to visit for?nine days plus my family of 4. ? They would like us to show them?around- Monterey, S.F.,?Yosemite, Hearst Castle...
My financial situation:
I am a good candidate for this loan because?I am conscientious and I want to be prepared financially for this rare family gathering.
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
465713
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
|
Amount:
| $3,000.00 |
Prosper Rating:
| C |
Auction Duration:
| 7 days
|
|
Term:
| 36 months |
Estimated loss:
| 6.5% | | |
| | | |
|
|
Starting lender yield:
| 18.90% |
Starting borrower rate/APR:
| 19.90% / 22.14% |
Starting monthly payment:
| $111.34 |
| |
|
Auction yield range:
| 7.93% - 18.90% |
Estimated loss impact:
| 6.94% | | |
|
Lender servicing fee:
| 1.00% |
Estimated return:
| 11.96% | | |
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
|
Prosper scores:
| |
First credit line:
| Dec-1993 |
Debt/Income ratio:
| 19% |
|
Basic (1-10):
| 9 |
Inquiries last 6m:
| 1 | Employment status: | Full-time employee |
| Enhanced (1-5): | 4 |
Current / open credit lines:
| 11
/
9 | Length of status: | 9y 4m |
|
Credit score:
| 640-659 (Jul-2010) |
Total credit lines:
| 24 |
Occupation: | Analyst |
|
Now delinquent:
| 0 |
Revolving credit balance:
| $17,208 | Stated income: | $50,000-$74,999 |
|
Amount delinquent:
| $0 |
Bankcard utilization:
| 87% | | |
|
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| Yes | | |
|
Delinquencies in last 7y:
| 0 | | | | |
|
Screen name:
| market-phoenix2 |
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
Fund to obtain patent for invention
Purpose of loan:
This loan will be used to?Develop a strategy for marketing & obtain a patent for an invention.
My financial situation:
I am a good candidate for this loan because?Ive already done research & my invention is highly marketable.
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
465719
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
|
Amount:
| $10,000.00 |
Prosper Rating:
| HR |
Auction Duration:
| 7 days
|
|
Term:
| 36 months |
Estimated loss:
| 34.5% | | |
| | | |
|
|
Starting lender yield:
| 34.00% |
Starting borrower rate/APR:
| 35.00% / 37.45% |
Starting monthly payment:
| $452.36 |
| |
|
Auction yield range:
| 16.93% - 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:
| Aug-1996 |
Debt/Income ratio:
| 104% |
|
Basic (1-10):
| 1 |
Inquiries last 6m:
| 11 | Employment status: | Full-time employee |
| Enhanced (1-5): | 1 |
Current / open credit lines:
| 10
/
8 | Length of status: | 4y 0m |
|
Credit score:
| 660-679 (Jul-2010) |
Total credit lines:
| 29 |
Occupation: | Other |
|
Now delinquent:
| 0 |
Revolving credit balance:
| $4,922 | Stated income: | $1-$24,999 |
|
Amount delinquent:
| $0 |
Bankcard utilization:
| 83% | | |
|
Public records last 12m / 10y:
| 0/ 1 |
Homeownership:
| No | | |
|
Delinquencies in last 7y:
| 14 | | | | |
|
Screen name:
| bold-return-aspen |
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
Pay off high interest credit cards
Purpose of loan:
This loan will be used to?
I will use this loan to pay off my higher interest rate credit cards. Your help is GREATLY appreciated!
My financial situation:
I am a good candidate for this loan because?
I feel that I am a good candidate for this loan because I plan to use the payments I am already making in order to pay off this loan. I will also be losing a vehicle payment in March of 2011 so there will be another $700.64 that I will be adding to what I am already using of my monthly income to pay off credit card debt.
Monthly net income: $
My net income $1700 ( on the low end)
My wife will also be putting her income toward this loan and her monthly income is $1550 (on the low end)
Monthly expenses: $
??Housing: $ 400.00
??Insurance: $ 151.60
??Car expenses: $ 984.64
? Utilities: $ 60.00
??Phone, cable, internet: $? 160.00
??Food, entertainment: $ 200.00
? Clothing, household expenses $ 30.00
? Credit cards and other loans: $ 584.00
? Other expenses: $ 0
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
465731
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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:
| 14.00% |
Starting borrower rate/APR:
| 15.00% / 17.17% |
Starting monthly payment:
| $346.65 |
| |
|
Auction yield range:
| 10.93% - 14.00% |
Estimated loss impact:
| 10.31% | | |
|
Lender servicing fee:
| 1.00% |
Estimated return:
| 3.69% | | |
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
|
Prosper scores:
| |
First credit line:
| Jun-1989 |
Debt/Income ratio:
| 20% |
|
Basic (1-10):
| 8 |
Inquiries last 6m:
| 1 | Employment status: | Full-time employee |
| Enhanced (1-5): | 3 |
Current / open credit lines:
| 14
/
12 | Length of status: | 12y 3m |
|
Credit score:
| 640-659 (Jul-2010) |
Total credit lines:
| 47 |
Occupation: | Computer Programmer |
|
Now delinquent:
| 0 |
Revolving credit balance:
| $39,906 | Stated income: | $100,000+ |
|
Amount delinquent:
| $0 |
Bankcard utilization:
| 83% | | |
|
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| Yes | | |
|
Delinquencies in last 7y:
| 2 | | | | |
|
Screen name:
| orange-magnetic-leverage |
Borrower's state:
| California |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Description
Paying off cards with consolidation
The downturn in the economy put me upside down with my expenses. I have reduced my expenses and I am now working to pay off my debt. Consolidating my credit cards into a fix payment with lower interest rate will ensure I achieve my goal. Thank you for your consideration.
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
465749
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
|
Amount:
| $7,300.00 |
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:
| $330.22 |
| |
|
Auction yield range:
| 16.93% - 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: | 5y 0m |
|
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
HELP ME be debt free!
Purpose of loan:
This loan will be used to? pay off ALL of my credit cards and a personal loan, I have been at my place of employment for 5 years. .?
My financial situation:
I am a good candidate for this loan because? I am a very responsible person. I have no bankruptcies and no judgements. I do own a house and I am current on all my bills. Bills do come first. I have no kids. Just trying to get these cards paid off! This prosper.com loan will replace all cards and personal loan. Please help!
Monthly net income: make $2000 after taxes
Monthly expenses: $
??Housing: $ 335????
??Insurance: $ 110
??Car expenses: $ 261
??Utilities: $ 20
??Phone, cable, internet: $ 65 (phone only)
??Food, entertainment: $ 100
??Clothing, household expenses $ 50
??Credit cards and other loans: $ 250 (prosper.com loan would replace this payment)
??Other expenses: $ 0
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
465755
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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:
| 16.93% - 34.00% |
Estimated loss impact:
| 20.01% | | |
|
Lender servicing fee:
| 1.00% |
Estimated return:
| 13.99% | | |
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
|
Prosper scores:
| |
First credit line:
| Nov-1990 |
Debt/Income ratio:
| 36% |
|
Basic (1-10):
| 5 |
Inquiries last 6m:
| 3 | Employment status: | Full-time employee |
| Enhanced (1-5): | 1 |
Current / open credit lines:
| 10
/
9 | Length of status: | 1y 10m |
|
Credit score:
| 680-699 (Jun-2010) |
Total credit lines:
| 36 |
Occupation: | Other |
|
Now delinquent:
| 0 |
Revolving credit balance:
| $38,923 | Stated income: | $50,000-$74,999 |
|
Amount delinquent:
| $0 |
Bankcard utilization:
| 95% | | |
|
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| Yes | | |
|
Delinquencies in last 7y:
| 0 | | | | |
|
Screen name:
| kindness-squadron7 |
Borrower's state:
| Michigan |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Description
Miscellaneous
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
465779
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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:
| 23.00% |
Starting borrower rate/APR:
| 24.00% / 26.29% |
Starting monthly payment:
| $196.16 |
| |
|
Auction yield range:
| 10.93% - 23.00% |
Estimated loss impact:
| 10.56% | | |
|
Lender servicing fee:
| 1.00% |
Estimated return:
| 12.44% | | |
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:
| Jun-1983 |
Debt/Income ratio:
| 10% |
|
Basic (1-10):
| 7 |
Inquiries last 6m:
| 1 | Employment status: | Full-time employee |
| Enhanced (1-5): | 5 |
Current / open credit lines:
| 7
/
6 | Length of status: | 5y 6m |
|
Credit score:
| 660-679 (Jul-2010) |
Total credit lines:
| 13 |
Occupation: | Teacher |
|
Now delinquent:
| 0 |
Revolving credit balance:
| $5,044 | Stated income: | $50,000-$74,999 |
|
Amount delinquent:
| $0 |
Bankcard utilization:
| 85% | | |
|
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| No | | |
|
Delinquencies in last 7y:
| 0 | | | | |
|
Screen name:
| green-peso-summoner |
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
Paying off my credit cards
Purpose of loan:
This loan will be used to?
My financial situation:
I am a good candidate for this loan because?
Monthly net income: $
Monthly expenses: $
??Housing: $
??Insurance: $
??Car expenses: $
??Utilities: $
??Phone, cable, internet: $
??Food, entertainment: $
??Clothing, household expenses $
??Credit cards and other loans: $
??Other expenses: $
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
465791
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
|
Amount:
| $15,000.00 |
Prosper Rating:
| HR |
Auction Duration:
| 7 days
|
|
Term:
| 36 months |
Estimated loss:
| 18.0% | | |
| | | |
|
|
Starting lender yield:
| 34.00% |
Starting borrower rate/APR:
| 35.00% / 37.45% |
Starting monthly payment:
| $678.54 |
| |
|
Auction yield range:
| 16.93% - 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-1997 |
Debt/Income ratio:
| Self-employed (DTI Not Calculated) |
|
Basic (1-10):
| 4 |
Inquiries last 6m:
| 0 | Employment status: | Self-employed |
| Enhanced (1-5): | 5 |
Current / open credit lines:
| 5
/
4 | Length of status: | 2y 6m |
|
Credit score:
| 740-759 (Jul-2010) |
Total credit lines:
| 15 |
Occupation: | Other |
|
Now delinquent:
| 0 |
Revolving credit balance:
| $13,478 | Stated income: | $25,000-$49,999 |
|
Amount delinquent:
| $0 |
Bankcard utilization:
| 72% | | |
|
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| No | | |
|
Delinquencies in last 7y:
| 0 | | | | |
|
Screen name:
| healthy-listing9 |
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 off my credit cards
Purpose of loan:
This loan will be used to? pay off my business credit card debt
My financial situation:
I am a good candidate for this loan because? I have successfully launched and operated my own business for the past 2.5 years, in the midst of a tough economy and with a fluctuating market.?The business has grown significantly and this year in particular we've more than tripled our sales.
Monthly net income: $ 2000+ My income is seasonally-based with spring thru early fall being extremely busy and winter being a little quiet.
Monthly expenses: $
??Housing: $ 0
??Insurance: $ 220 Although I'm looking for a new, independent health insurance policy now with a lower rate.??I've used my current policy once in?2.5 years and have more coverage than I need.
??Car expenses: $ 200?for gas
??Utilities: $?150+ depending on the season (gas goes up in the winter but is roughly $15 a month 6 months out of the year
??Phone, cable, internet: $? 300 (cell, phone, fax, internet, and cable)
??Food, entertainment: $ 150
??Clothing, household expenses $ 50?
??Credit cards and other loans: $ 650
??Other expenses: $ 150
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
465815
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
|
Amount:
| $5,750.00 |
Prosper Rating:
| D |
Auction Duration:
| 7 days
|
|
Term:
| 36 months |
Estimated loss:
| 10.0% | | |
| | | |
|
|
Starting lender yield:
| 18.00% |
Starting borrower rate/APR:
| 19.00% / 21.22% |
Starting monthly payment:
| $210.77 |
| |
|
Auction yield range:
| 10.93% - 18.00% |
Estimated loss impact:
| 10.42% | | |
|
Lender servicing fee:
| 1.00% |
Estimated return:
| 7.58% | | |
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments 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-1992 |
Debt/Income ratio:
| 10% |
|
Basic (1-10):
| 6 |
Inquiries last 6m:
| 0 | Employment status: | Full-time employee |
| Enhanced (1-5): | 5 |
Current / open credit lines:
| 8
/
7 | Length of status: | 9y 11m |
|
Credit score:
| 700-719 (Jul-2010) |
Total credit lines:
| 39 |
Occupation: | Civil Service |
|
Now delinquent:
| 1 |
Revolving credit balance:
| $649 | Stated income: | $75,000-$99,999 |
|
Amount delinquent:
| $82 |
Bankcard utilization:
| 17% | | |
|
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| Yes | | |
|
Delinquencies in last 7y:
| 7 | | | | |
|
Screen name:
| BlueVector |
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:
| 0 / 1 |
On-time:
| 28 ( 100% )
| 700-719 (Latest)
|
|
Principal borrowed:
| $4,500.00 | < 31 days late:
| 0
( 0% )
| 740-759
(Feb-2008)
|
|
Principal balance:
| $0.00 |
31+ days late:
| 0
( 0% )
|
|
Total payments billed:
| 28 | | |
Description
Improvements to rental property
Purpose of loan:
This loan will be used to make improvements on a rental property which has been rented 95% of the time the last 5 years.
My financial situation:
I am a good candidate for this loan because I paid off my last prosper loan ahead of schedule. I do not owe anything on my credit cards.? I have very little debt outside my current home, rental property and 4500 in school loans left.?
Monthly net income: $ 5500
Monthly expenses: $ 3155
??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
465833
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
|
Amount:
| $25,000.00 |
Prosper Rating:
| HR |
Auction Duration:
| 7 days
|
|
Term:
| 36 months |
Estimated loss:
| 18.0% | | |
| | | |
|
|
Starting lender yield:
| 34.00% |
Starting borrower rate/APR:
| 35.00% / 37.45% |
Starting monthly payment:
| $1,130.90 |
| |
|
Auction yield range:
| 16.93% - 34.00% |
Estimated loss impact:
| 20.01% | | |
|
Lender servicing fee:
| 1.00% |
Estimated return:
| 13.99% | | |
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
|
Prosper scores:
| |
First credit line:
| Sep-1998 |
Debt/Income ratio:
| 34% |
|
Basic (1-10):
| 3 |
Inquiries last 6m:
| 1 | Employment status: | Full-time employee |
| Enhanced (1-5): | 4 |
Current / open credit lines:
| 5
/
5 | Length of status: | 1y 11m |
|
Credit score:
| 740-759 (Jul-2010) |
Total credit lines:
| 30 |
Occupation: | Accountant/CPA |
|
Now delinquent:
| 0 |
Revolving credit balance:
| $28,957 | Stated income: | $50,000-$74,999 |
|
Amount delinquent:
| $0 |
Bankcard utilization:
| 94% | | |
|
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| Yes | | |
|
Delinquencies in last 7y:
| 0 | | | | |
|
Screen name:
| goal-return224 |
Borrower's state:
| Florida |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Description
Paying off my credit card
Purpose of loan:
This loan will be used to?
pay off my credit cards.
My financial situation:
I am a good candidate for this loan because?
I have excellent credit and good work history.
Monthly net income: $
5400
Monthly expenses: $
??Housing: $ 1224
??Insurance: $
??Car expenses: $
??Utilities: $ 130
??Phone, cable, internet: $ 110
??Food, entertainment: $ 200
??Clothing, household expenses $ 300
??Credit cards and other loans: $?600
??Other expenses: $
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
465839
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
|
Amount:
| $6,500.00 |
Prosper Rating:
| HR |
Auction Duration:
| 7 days
|
|
Term:
| 36 months |
Estimated loss:
| 18.0% | | |
| | | |
|
|
Starting lender yield:
| 19.00% |
Starting borrower rate/APR:
| 20.00% / 22.24% |
Starting monthly payment:
| $241.56 |
| |
|
Auction yield range:
| 16.93% - 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:
| Dec-1999 |
Debt/Income ratio:
| 24% |
|
Basic (1-10):
| 5 |
Inquiries last 6m:
| 1 | Employment status: | Full-time employee |
| Enhanced (1-5): | 4 |
Current / open credit lines:
| 13
/
13 | Length of status: | 0y 9m |
|
Credit score:
| 660-679 (Jul-2010) |
Total credit lines:
| 20 |
Occupation: | Tradesman - Mechani... |
|
Now delinquent:
| 0 |
Revolving credit balance:
| $8,390 | Stated income: | $25,000-$49,999 |
|
Amount delinquent:
| $0 |
Bankcard utilization:
| 57% | | |
|
Public records last 12m / 10y:
| 0/ 1 |
Homeownership:
| No | | |
|
Delinquencies in last 7y:
| 0 | | | | |
|
Screen name:
| liberty-meadow |
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 pay off my credit cards
My financial situation:
I am a good candidate for this loan because I have no other debts
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
465851
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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:
| 14.00% |
Starting borrower rate/APR:
| 15.00% / 17.17% |
Starting monthly payment:
| $173.33 |
| |
|
Auction yield range:
| 10.93% - 14.00% |
Estimated loss impact:
| 10.31% | | |
|
Lender servicing fee:
| 1.00% |
Estimated return:
| 3.69% | | |
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
|
Prosper scores:
| |
First credit line:
| Jan-1986 |
Debt/Income ratio:
| 7% |
|
Basic (1-10):
| 7 |
Inquiries last 6m:
| 0 | Employment status: | Full-time employee |
| Enhanced (1-5): | 4 |
Current / open credit lines:
| 1
/
1 | Length of status: | 10y 3m |
|
Credit score:
| 660-679 (Jul-2010) |
Total credit lines:
| 21 |
Occupation: | Laborer |
|
Now delinquent:
| 1 |
Revolving credit balance:
| $0 | Stated income: | $25,000-$49,999 |
|
Amount delinquent:
| $11,287 |
Bankcard utilization:
| 0% | | |
|
Public records last 12m / 10y:
| 0/ 1 |
Homeownership:
| Yes | | |
|
Delinquencies in last 7y:
| 19 | | | | |
|
Screen name:
| orange-thankful-bid |
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
Cleaning house of debt
Purpose of loan:
This loan will be used to? Pay off payday lending services!! Forced into using them after I declared bankruptcy and will be losing the house.?My credit was excellant before this. ?I?have found an apartment within walking distance to the elementary school where I work and will be relocating there within 2 months.
My financial situation:
I am a good candidate for this loan because? My state employment is secure and my work ethic is fantastic! My three children have just finally all left the financial nest. Now it is just time to get my life back in order. I plan to pay off this loan early.
Monthly net income: $ 2200.
Monthly expenses: $ 1400.
??Housing: $ 700.????
??Insurance: $?110.
??Car expenses: $ 50.
??Utilities: $?70.
??Phone, cable, internet: $ 60.
??Food, entertainment: $ 380.
??Clothing, household expenses $ 30.
??Credit cards and other loans: $ 700.
??Other expenses: $
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
465853
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
|
Amount:
| $4,000.00 |
Prosper Rating:
| C |
Auction Duration:
| 7 days
|
|
Term:
| 36 months |
Estimated loss:
| 8.0% | | |
| | | |
|
|
Starting lender yield:
| 15.99% |
Starting borrower rate/APR:
| 16.99% / 19.19% |
Starting monthly payment:
| $142.59 |
| |
|
Auction yield range:
| 7.93% - 15.99% |
Estimated loss impact:
| 8.36% | | |
|
Lender servicing fee:
| 1.00% |
Estimated return:
| 7.63% | | |
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-2004 |
Debt/Income ratio:
| Not calculated |
|
Basic (1-10):
| 8 |
Inquiries last 6m:
| 0 | Employment status: | Part-time employee |
| Enhanced (1-5): | 5 |
Current / open credit lines:
| 2
/
1 | Length of status: | 3y 3m |
|
Credit score:
| 720-739 (Jul-2010) |
Total credit lines:
| 3 |
Occupation: | Laborer |
|
Now delinquent:
| 0 |
Revolving credit balance:
| $8,246 | Stated income: | $1-$24,999 |
|
Amount delinquent:
| $0 |
Bankcard utilization:
| 54% | | |
|
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| No | | |
|
Delinquencies in last 7y:
| 0 | | | | |
|
Screen name:
| credible-coin |
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
Going to Trucking School
Purpose of loan:
This loan will be used to?
go to Heavy Metal Trucking School in Monticello, MN. The school offers a 30 day program to obtain a Class A driver's license. After schooling, I will work for a trucking company that offer tuition reimbursement. Tuition reimbursement is $100 per month, and a maximum of $6000.
My financial situation:
I am a good candidate for this loan because?
I have a part-time job at a pizza place called Papa Murphy's and also work part-time for a school bus company, but I am not working there over the summer (no school). I am a full-time student at St. Cloud State University seeking a degree in Graphic Design. I wish to obtain the Class A so that I can make some money and have a job I can enjoy. Working at a pizza place at minimum wage is not cutting it. As far as money goes, I work 20 hours a week at $7.25 and live with my parents. I want to move out and be independent, which is another reason I want to go to the trucking school. I need to work on NOT living off of my parents money, they don't need the burden anymore. Thanks for looking.
Monthly net income: $
400
Monthly expenses: $
75
??Housing: $
0
??Insurance: $
0
??Car expenses: $
0
??Utilities: $
0
??Phone, cable, internet: $
0
??Food, entertainment: $
25
??Clothing, household expenses $
25
??Credit cards and other loans: $
0
??Other expenses: $
25
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
465857
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
|
Amount:
| $3,000.00 |
Prosper Rating:
| AA |
Auction Duration:
| 7 days
|
|
Term:
| 36 months |
Estimated loss:
| 0.6% | | |
| | | |
|
|
Starting lender yield:
| 6.10% |
Starting borrower rate/APR:
| 7.10% / 7.44% |
Starting monthly payment:
| $92.77 |
| |
|
Auction yield range:
| 2.93% - 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-1996 |
Debt/Income ratio:
| 24% |
|
Basic (1-10):
| 10 |
Inquiries last 6m:
| 1 | Employment status: | Full-time employee |
| Enhanced (1-5): | 4 |
Current / open credit lines:
| 15
/
15 | Length of status: | 5y 4m |
|
Credit score:
| 800-819 (Jul-2010) |
Total credit lines:
| 31 |
Occupation: | Other |
|
Now delinquent:
| 0 |
Revolving credit balance:
| $40,849 | Stated income: | $75,000-$99,999 |
|
Amount delinquent:
| $0 |
Bankcard utilization:
| 47% | | |
|
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| Yes | | |
|
Delinquencies in last 7y:
| 0 | | | | |
|
Screen name:
| repayment-mad-scientist0 |
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
Need Flooring For New Location
USE: I am expanding my business. The move is scheduled for Aug. 1st and I am still waiting on an SBA loan. That loan won't be in soon enough to put in the flooring. The flooring must be in place so I can at least run classes until the rest of the equipment is put in. I really don't want to put this on credit cards due to the rates and my desire to clear off all credit card debt.
ABILITY TO PAY: I have a full time job that pays well and I have always paid all my debts. I have paid down a significant potion of revolving debt in the last year and intend to continue with this goal. Thank you so much for you consideration.
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
465865
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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:
| 19.00% |
Starting borrower rate/APR:
| 20.00% / 22.24% |
Starting monthly payment:
| $371.64 |
| |
|
Auction yield range:
| 16.93% - 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:
| Apr-1987 |
Debt/Income ratio:
| 39% |
|
Basic (1-10):
| 5 |
Inquiries last 6m:
| 0 | Employment status: | Full-time employee |
| Enhanced (1-5): | 3 |
Current / open credit lines:
| 26
/
23 | Length of status: | 6y 8m |
|
Credit score:
| 660-679 (Jul-2010) |
Total credit lines:
| 49 |
Occupation: | Principal |
|
Now delinquent:
| 1 |
Revolving credit balance:
| $37,526 | Stated income: | $75,000-$99,999 |
|
Amount delinquent:
| $73 |
Bankcard utilization:
| 69% | | |
|
Public records last 12m / 10y:
| 0/ 1 |
Homeownership:
| Yes | | |
|
Delinquencies in last 7y:
| 0 | | | | |
|
Screen name:
| magnificent-felicity |
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
paying off credit cards
Purpose of loan:
This loan will be used to pay off credit card debt incurred during my husband's unemployment.?
My financial situation:
I also have another job as a church choir director with additional income of $10,000.? I have a tenant in my 2nd home that pays me an additional $1,200.00 a month to rent.
Monthly net income: $6,500.00
Monthly expenses: $
??Housing: $ 1110.00
??Insurance: $ 60.00
??Car expenses: $ 660.00
??Utilities: $ 100.00
??Phone, cable, internet: $ 65.00
??Food, entertainment: $ 100.00
??Clothing, household expenses $ 200.00
??Credit cards and other loans: $ 800.00
??Other expenses: $ 200.00
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
465867
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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:
| 24.00% |
Starting borrower rate/APR:
| 25.00% / 27.31% |
Starting monthly payment:
| $198.80 |
| |
|
Auction yield range:
| 16.93% - 24.00% |
Estimated loss impact:
| 19.38% | | |
|
Lender servicing fee:
| 1.00% |
Estimated return:
| 4.62% | | |
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
|
Prosper scores:
| |
First credit line:
| Feb-1992 |
Debt/Income ratio:
| 36% |
|
Basic (1-10):
| 3 |
Inquiries last 6m:
| 1 | Employment status: | Full-time employee |
| Enhanced (1-5): | 2 |
Current / open credit lines:
| 4
/
5 | Length of status: | 13y 3m |
|
Credit score:
| 700-719 (Jul-2010) |
Total credit lines:
| 17 |
Occupation: | Clerical |
|
Now delinquent:
| 1 |
Revolving credit balance:
| $19,330 | Stated income: | $25,000-$49,999 |
|
Amount delinquent:
| $4,653 |
Bankcard utilization:
| 97% | | |
|
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| Yes | | |
|
Delinquencies in last 7y:
| 0 | | | | |
|
Screen name:
| a-influential-fund |
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 Car
Purpose of loan:
This loan will be used to?
My financial situation:
I am a good candidate for this loan because I have always paid my debts responsibly.? My husband was laid off for some time last year and that forced us to be late on some bills.? Now he's working full time, I've continued to work full time.? Obtaining this loan will allow us to pay off one of our cars which will free up some money, which will enable us to become current in all our bills once again!!?
Monthly net income: $5500
Monthly expenses: $
??Housing: $ 2350
??Insurance: $ 200
??Car expenses: $ 1125
??Utilities: $ 135
??Phone, cable, internet: $ 0
??Food, entertainment: $ 30
??Clothing, household expenses $ 100
??Credit cards and other loans: $ 600
??Other expenses: $
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
465869
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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:
| 16.99% |
Starting borrower rate/APR:
| 17.99% / 20.20% |
Starting monthly payment:
| $216.88 |
| |
|
Auction yield range:
| 16.93% - 16.99% |
Estimated loss impact:
| 25.94% | | |
|
Lender servicing fee:
| 1.00% |
Estimated return:
| -8.95% | | |
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
|
Prosper scores:
| |
First credit line:
| Mar-1994 |
Debt/Income ratio:
| 21% |
|
Basic (1-10):
| 3 |
Inquiries last 6m:
| 0 | Employment status: | Full-time employee |
| Enhanced (1-5): | 3 |
Current / open credit lines:
| 3
/
2 | Length of status: | 3y 5m |
|
Credit score:
| 680-699 (Jul-2010) |
Total credit lines:
| 22 |
Occupation: | Professional |
|
Now delinquent:
| 2 |
Revolving credit balance:
| $220 | Stated income: | $25,000-$49,999 |
|
Amount delinquent:
| $136 |
Bankcard utilization:
| 0% | | |
|
Public records last 12m / 10y:
| 0/ 1 |
Homeownership:
| No | | |
|
Delinquencies in last 7y:
| 12 | | | | |
|
Screen name:
| OmaRich |
Borrower's state:
| Nebraska |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
| Loan history | Payment history | Credit score history |
|
Active / total loans:
| 0 / 1 |
On-time:
| 27 ( 77% )
| 680-699 (Latest)
|
|
Principal borrowed:
| $10,200.00 | < 31 days late:
| 3
( 9% )
| 660-679
(May-2010)
540-559
(Dec-2007)
660-679
(Mar-2007)
|
|
Principal balance:
| $2.91 |
31+ days late:
| 5
( 14% )
|
|
Total payments billed:
| 35 | | |
Description
Buying a new car for our family
Purpose of loan:
This loan will be used to purchase a new used car. Currently we have a 1995 and a 1997 and need something with better fuel economy and less rust. I plan on trading it in if possible but I need the cash to be able to negotiate for a better vehicle.?
?Also, the data above is incorrect. We bought our home in 2003 for 125,000 and owe 98.000 on the principle and have never missed a?payment.
My financial situation:
I am a good candidate for this loan because I have used Prosper in the past and paid off a previous?loan in the amount of 10,200.00. Even though my history shows delinquencies I paid every month. We paid a prosper loan off and 17,000.00 on a bankrupcy. There should be no delinquencies as they were all paid offor a part of our chapter 13 (being paid off)and is less than 3000 balance owed. The original amount was over 20,000.00.
?We signed up for one of those companies like on TV that say make one easy payment and they never paid my?creditors. Neverless to say I was upset and there was a sheriff sale filed on us and the only way to stop it was a bankrupcy. I am a reliable, dependable and honest god fearing individual that prays there are good people willing to help.
?If you are a God fearing person like myself you will understand publicly I state, "I promise to repay the loan" in good faith and sooner if fortune permits. Also, I corrected the delinquencies?on the credit report,?see the upgrade in the credit?score.
?I am a member of "Keep the Faith Missions" located at http://ktfmissions.com/forum/?I am a vested member. Please check my references with "Frank26" he will vouch for me and my purist intention. My username is "OmaRxxh". I am good for it. Just replace the xx's with "ic" to?when checking out the website.
Monthly net income: $ 3000.00
Monthly expenses: $
??Housing: $ 1001.00
??Insurance: $ 0.00 my wife pays
??Car expenses: $ 0.00 we have?2 old cars
??Utilities: $ 185.00
??Phone, cable, internet: $?110.00
??Food, entertainment: $?300.00
??Clothing, household expenses $ 100.00
??Credit cards and other loans: $
??Other expenses: $
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
465875
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
|
Amount:
| $11,000.00 |
Prosper Rating:
| C |
Auction Duration:
| 7 days
|
|
Term:
| 36 months |
Estimated loss:
| 8.5% | | |
| | | |
|
|
Starting lender yield:
| 23.51% |
Starting borrower rate/APR:
| 24.51% / 26.81% |
Starting monthly payment:
| $434.51 |
| |
|
Auction yield range:
| 7.93% - 23.51% |
Estimated loss impact:
| 9.06% | | |
|
Lender servicing fee:
| 1.00% |
Estimated return:
| 14.45% | | |
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
|
Prosper scores:
| |
First credit line:
| Jan-1992 |
Debt/Income ratio:
| 22% |
|
Basic (1-10):
| 5 |
Inquiries last 6m:
| 1 | Employment status: | Full-time employee |
| Enhanced (1-5): | 4 |
Current / open credit lines:
| 7
/
7 | Length of status: | 1y 9m |
|
Credit score:
| 780-799 (Jul-2010) |
Total credit lines:
| 22 |
Occupation: | Nurse (LPN) |
|
Now delinquent:
| 0 |
Revolving credit balance:
| $3,852 | Stated income: | $50,000-$74,999 |
|
Amount delinquent:
| $0 |
Bankcard utilization:
| 42% | | |
|
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| Yes | | |
|
Delinquencies in last 7y:
| 2 | | | | |
|
Screen name:
| gold-starfish1 |
Borrower's state:
| Massachusetts |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Description
paying off credit cards, car loan
Purpose of loan:
This loan will be used to?pay off credit cards and car loan
My financial situation:
I am a good candidate for this loan because?
Monthly net income: $ 4160
Monthly expenses: $
??Housing: $0
??Insurance: $
??Car expenses: $300
??Utilities: $200
??Phone, cable, internet: $200
??Food: $400
??Clothing, household expenses $
??Credit cards and other loans: $300
??Other expenses: $100
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
465881
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
|
Amount:
| $20,000.00 |
Prosper Rating:
| HR |
Auction Duration:
| 7 days
|
|
Term:
| 36 months |
Estimated loss:
| 18.0% | | |
| | | |
|
|
Starting lender yield:
| 34.00% |
Starting borrower rate/APR:
| 35.00% / 37.45% |
Starting monthly payment:
| $904.72 |
| |
|
Auction yield range:
| 16.93% - 34.00% |
Estimated loss impact:
| 20.01% | | |
|
Lender servicing fee:
| 1.00% |
Estimated return:
| 13.99% | | |
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
|
Prosper scores:
| |
First credit line:
| Dec-1998 |
Debt/Income ratio:
| 16% |
|
Basic (1-10):
| 3 |
Inquiries last 6m:
| 2 | Employment status: | Full-time employee |
| Enhanced (1-5): | 5 |
Current / open credit lines:
| 10
/
10 | Length of status: | 9y 8m |
|
Credit score:
| 740-759 (Jul-2010) |
Total credit lines:
| 28 |
Occupation: | Police Officer/Corr... |
|
Now delinquent:
| 1 |
Revolving credit balance:
| $29,812 | Stated income: | $100,000+ |
|
Amount delinquent:
| $0 |
Bankcard utilization:
| 58% | | |
|
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| Yes | | |
|
Delinquencies in last 7y:
| 0 | | | | |
|
Screen name:
| performer046 |
Borrower's state:
| Maryland |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Description
Paying off Credit Cards
Purpose of loan:
This loan will be used to pay off high-interest credit cards?credit cards?
My financial situation:
I am a good candidate for this loan because I have never been deliquent (very disturbed why the listing says 1 now deliquent--this is an error as everything is current and the "suppoose' deliquent says zero--strange), paid as agreed on all debts on or before maturity date, have an awesome portfolio, very responsible borrower, homeowner with over 200K in equity.
Monthly net income: $ 15,000.00
Monthly expenses: $
??Housing: $ 2500
??Insurance: $ 200
??Car expenses: $ 120
??Utilities: $ 500
??Phone, cable, internet: $
??Food, entertainment: $?500??Clothing, household expenses $
500??Credit cards and other loans: $ 1500
??Other expenses: $
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
465883
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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:
| 27.33% |
Starting borrower rate/APR:
| 28.33% / 30.68% |
Starting monthly payment:
| $498.50 |
| |
|
Auction yield range:
| 10.93% - 27.33% |
Estimated loss impact:
| 10.68% | | |
|
Lender servicing fee:
| 1.00% |
Estimated return:
| 16.65% | | |
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
|
Prosper scores:
| |
First credit line:
| Dec-1997 |
Debt/Income ratio:
| 24% |
|
Basic (1-10):
| 7 |
Inquiries last 6m:
| 1 | Employment status: | Full-time employee |
| Enhanced (1-5): | 4 |
Current / open credit lines:
| 12
/
12 | Length of status: | 3y 11m |
|
Credit score:
| 680-699 (Jul-2010) |
Total credit lines:
| 31 |
Occupation: | Teacher |
|
Now delinquent:
| 0 |
Revolving credit balance:
| $12,726 | Stated income: | $25,000-$49,999 |
|
Amount delinquent:
| $0 |
Bankcard utilization:
| 45% | | |
|
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| Yes | | |
|
Delinquencies in last 7y:
| 0 | | | | |
|
Screen name:
| value-mermaid |
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
Teachers Wants To Get Out of Debt
Purpose of loan:
This loan will be used to?
Pay off two credit cards with high interest rates.? The interest on these cards make it almost impossible for me to?pay them off monthly.? ???
My financial situation:
I am a good candidate for this loan because?
I always pay on time and when I can afford it, I make additional payments.? I would really like to be debt free so I can start saving money for my future and I will eventually need to invest in a new vehicle.?
Monthly net income: $ 2700.00
Monthly expenses: $
??Housing: $ 1050
??Insurance: $ 75.00
??Car expenses: $ 0.00
??Utilities: $ 120.00
??Phone, cable, internet: $ 130.00
??Food, entertainment: $ 200.00?
??Clothing, household expenses $? 250.00?
??Credit cards and other loans: $ 600.00
??Other expenses: $ 0.00
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
465887
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
|
Amount:
| $13,905.00 |
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:
| $444.12 |
| |
|
Auction yield range:
| 2.93% - 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-1982 |
Debt/Income ratio:
| 12% |
|
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: | 15y 2m |
|
Credit score:
| 800-819 (Jul-2010) |
Total credit lines:
| 26 |
Occupation: | Doctor |
|
Now delinquent:
| 0 |
Revolving credit balance:
| $23,669 | Stated income: | $75,000-$99,999 |
|
Amount delinquent:
| $0 |
Bankcard utilization:
| 29% | | |
|
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| Yes | | |
|
Delinquencies in last 7y:
| 0 | | | | |
|
Screen name:
| first-coin-anteater |
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 HIGHER APR CARDS
Purpose of loan:
This loan will be used to pay off higher APR credit cards
My financial situation:
I am a good candidate for this loan because this loan will be paid back within 2mos and all loans I have now are being paid on time
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
465899
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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:
| 26.33% |
Starting borrower rate/APR:
| 27.33% / 29.67% |
Starting monthly payment:
| $205.01 |
| |
|
Auction yield range:
| 10.93% - 26.33% |
Estimated loss impact:
| 10.65% | | |
|
Lender servicing fee:
| 1.00% |
Estimated return:
| 15.68% | | |
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
|
Prosper scores:
| |
First credit line:
| Jul-1988 |
Debt/Income ratio:
| 44% |
|
Basic (1-10):
| 8 |
Inquiries last 6m:
| 0 | Employment status: | Full-time employee |
| Enhanced (1-5): | 2 |
Current / open credit lines:
| 18
/
16 | Length of status: | 5y 1m |
|
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
paying off credit cards
Purpose of loan:
This loan will be used for?
I would like to pay high int credit cards and HELP my son start college in the fall,
My financial situation:
I am a good candidate for this loan because??
I always pay my bills on time, no late pays and i want to keep my good credit I'v been working in the same field for over 25 years? with no layoff my husbands net income is 3200 a month I hope I can earn your trust I will repay this loan THANK You
Monthly net income: $
2400 my
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
465901
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
|
Amount:
| $3,400.00 |
Prosper Rating:
| D |
Auction Duration:
| 7 days
|
|
Term:
| 36 months |
Estimated loss:
| 10.0% | | |
| | | |
|
|
Starting lender yield:
| 22.00% |
Starting borrower rate/APR:
| 23.00% / 25.28% |
Starting monthly payment:
| $131.61 |
| |
|
Auction yield range:
| 10.93% - 22.00% |
Estimated loss impact:
| 10.53% | | |
|
Lender servicing fee:
| 1.00% |
Estimated return:
| 11.47% | | |
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
|
Prosper scores:
| |
First credit line:
| Aug-2004 |
Debt/Income ratio:
| 65% |
|
Basic (1-10):
| 7 |
Inquiries last 6m:
| 0 | Employment status: | Part-time employee |
| Enhanced (1-5): | 4 |
Current / open credit lines:
| 6
/
6 | Length of status: | 1y 11m |
|
Credit score:
| 640-659 (Jun-2010) |
Total credit lines:
| 16 |
Occupation: | Sales - Commission |
|
Now delinquent:
| 0 |
Revolving credit balance:
| $29,554 | Stated income: | $1-$24,999 |
|
Amount delinquent:
| $0 |
Bankcard utilization:
| 96% | | |
|
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| No | | |
|
Delinquencies in last 7y:
| 0 | | | | |
|
Screen name:
| first-class-credit329 |
Borrower's state:
| Illinois |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Description
Paying off Credit Card
Purpose of loan:
This loan will be used to start getting debt off my credit cards (revolving balance).
My financial situation: I originally purchased a car with my boyfriend, who quickly is helping me pay it off on my credit card. I am a recent college graduate and have been working a lot this summer to pay off that credit card, but it still worries me that such a high balance is revolving on my credit card. I recently came into a new job, which adds more to my pay. I have been responsible about making the credit cards in a timely and consistent manner, but would rather have it on a loan than my credit card. I still live at home and my parents are very helpful with all my necessary expenses, as my income serves more for a personal use and is being concentrated towards the credit card bill. My boyfriend and I are looking into selling the car and financing something more for less through a bank loan.
I am a good candidate for this loan because I am very responsible: I am timely and consistent in my payments and I am conscious about my credit score, which used to be 720 until I put this car on my credit card.
Monthly net income: $ 2000
Monthly expenses: $
??Housing: $0
??Insurance: $0
??Car expenses: $80
??Utilities: $0
??Phone, cable, internet: $60
??Food, entertainment: $100
??Clothing, household expenses $50
??Credit cards and other loans: $800, what i usually send to pay off credit card, which I am trying to refinance
??Other expenses: $0
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
465903
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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:
| B |
Auction Duration:
| 7 days
|
|
Term:
| 36 months |
Estimated loss:
| 5.0% | | |
| | | |
|
|
Starting lender yield:
| 5.99% |
Starting borrower rate/APR:
| 6.99% / 9.06% |
Starting monthly payment:
| $308.73 |
| |
|
Auction yield range:
| 5.93% - 5.99% |
Estimated loss impact:
| 5.08% | | |
|
Lender servicing fee:
| 1.00% |
Estimated return:
| 0.91% | | |
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments 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:
| 43% |
|
Basic (1-10):
| 8 |
Inquiries last 6m:
| 0 | Employment status: | Part-time employee |
| Enhanced (1-5): | 3 |
Current / open credit lines:
| 12
/
10 | Length of status: | 1y 8m |
|
Credit score:
| 760-779 (Jul-2010) |
Total credit lines:
| 24 |
Occupation: | Food Service |
|
Now delinquent:
| 0 |
Revolving credit balance:
| $114,572 | Stated income: | $25,000-$49,999 |
|
Amount delinquent:
| $0 |
Bankcard utilization:
| 41% | | |
|
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| Yes | | |
|
Delinquencies in last 7y:
| 0 | | | | |
|
Screen name:
| artist333 |
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 card debt
Purpose of loan:
This loan will be used to?
Pay off credit card debt
My financial situation:
I am a good candidate for this loan because? I pay my bills on time. My husband is deployed to Iraq and I am trying to pay down some of our debt while he is gone.
Monthly net income: $ 2600
Monthly expenses: $
??Housing: $0? Husband pays??
? Insurance: $ 0 husband pays
??Car expenses: $?0 husband pays
??Utilities: $?120
??Phone, cable, internet: $ 174
??Food, entertainment: $ 500
??Clothing, household expenses $?100
??Credit cards and other loans: $?450
??Other expenses: $ 75
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
465907
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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:
| B |
Auction Duration:
| 7 days
|
|
Term:
| 36 months |
Estimated loss:
| 5.0% | | |
| | | |
|
|
Starting lender yield:
| 11.00% |
Starting borrower rate/APR:
| 12.00% / 14.13% |
Starting monthly payment:
| $265.71 |
| |
|
Auction yield range:
| 5.93% - 11.00% |
Estimated loss impact:
| 5.18% | | |
|
Lender servicing fee:
| 1.00% |
Estimated return:
| 5.82% | | |
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
|
Prosper scores:
| |
First credit line:
| Nov-1999 |
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:
| 15
/
15 | Length of status: | 2y 5m |
|
Credit score:
| 760-779 (Jul-2010) |
Total credit lines:
| 44 |
Occupation: | Computer Programmer |
|
Now delinquent:
| 0 |
Revolving credit balance:
| $18,402 | 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:
| successful-peace |
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:
| 0 / 1 |
On-time:
| 10 ( 100% )
| 760-779 (Latest)
|
|
Principal borrowed:
| $5,000.00 | < 31 days late:
| 0
( 0% )
| 740-759
(Jul-2009)
|
|
Principal balance:
| $0.00 |
31+ days late:
| 0
( 0% )
|
|
Total payments billed:
| 10 | | |
Description
Buying a New Winter Car
Purpose of loan:
We recently purchased a new car and borrowed
the money from family to fund it. Now we will pay them back by taking
out our own loan
My financial situation:
I am a good
candidate for this loan because I own my home and have a long standing
job. And I have done prosper loans before and paid them back very quickly.
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
465917
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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:
| 16.93% - 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-1982 |
Debt/Income ratio:
| 37% |
|
Basic (1-10):
| 5 |
Inquiries last 6m:
| 3 | Employment status: | Full-time employee |
| Enhanced (1-5): | 2 |
Current / open credit lines:
| 22
/
10 | Length of status: | 45y 6m |
|
Credit score:
| 660-679 (Jul-2010) |
Total credit lines:
| 55 |
Occupation: | Professional |
|
Now delinquent:
| 0 |
Revolving credit balance:
| $4,989 | Stated income: | $25,000-$49,999 |
|
Amount delinquent:
| $0 |
Bankcard utilization:
| 37% | | |
|
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| No | | |
|
Delinquencies in last 7y:
| 0 | | | | |
|
Screen name:
| riveting-deal4 |
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
Please Help consolidate my debt
Purpose of loan:
This loan will be used to? debt consolidation so I have 1 paymnet a month
My financial situation:
I am a good candidate for this loan because?I have worked for the same office for over 15 years and plan to stay for another 15!?
Monthly net income: $ 2,500
Monthly expenses: $?1200.00
??Housing: $ 100
??Insurance: $
??Car expenses: $ 300.00
??Utilities: $
??Phone, cable, internet: $ 45.00
??Food, entertainment: $ 100.00
??Clothing, household expenses $ 100.00
??Credit cards and other loans: $ 650.00
??Other expenses: $
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
465923
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
|
Amount:
| $14,800.00 |
Prosper Rating:
| HR |
Auction Duration:
| 7 days
|
|
Term:
| 36 months |
Estimated loss:
| 18.0% | | |
| | | |
|
|
Starting lender yield:
| 21.00% |
Starting borrower rate/APR:
| 22.00% / 24.26% |
Starting monthly payment:
| $565.22 |
| |
|
Auction yield range:
| 16.93% - 21.00% |
Estimated loss impact:
| 19.19% | | |
|
Lender servicing fee:
| 1.00% |
Estimated return:
| 1.81% | | |
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
|
Prosper scores:
| |
First credit line:
| Oct-1997 |
Debt/Income ratio:
| 20% |
|
Basic (1-10):
| 4 |
Inquiries last 6m:
| 1 | Employment status: | Full-time employee |
| Enhanced (1-5): | 5 |
Current / open credit lines:
| 7
/
7 | Length of status: | 23y 9m |
|
Credit score:
| 640-659 (Jun-2010) |
Total credit lines:
| 33 |
Occupation: | Other |
|
Now delinquent:
| 0 |
Revolving credit balance:
| $9,521 | Stated income: | $75,000-$99,999 |
|
Amount delinquent:
| $0 |
Bankcard utilization:
| 95% | | |
|
Public records last 12m / 10y:
| 0/ 1 |
Homeownership:
| No | | |
|
Delinquencies in last 7y:
| 0 | | | | |
|
Screen name:
| boulderclear |
Borrower's state:
| Colorado |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
| Loan history | Payment history | Credit score history |
|
Active / total loans:
| 1 / 1 |
On-time:
| 23 ( 96% )
| 640-659 (Latest)
|
|
Principal borrowed:
| $2,950.00 | < 31 days late:
| 1
( 4% )
| 620-639
(Jul-2009)
600-619
(Jun-2008)
560-579
(May-2008)
580-599
(Apr-2008)
|
|
Principal balance:
| $1,126.64 |
31+ days late:
| 0
( 0% )
|
|
Total payments billed:
| 24 | | |
Description
No bugs, no rock chips-growing biz
Purpose of loan:
This loan will be used to? consolidate all of my debt.? The remaining
ammount I will use to buy supplies for my business.? Our business
is up 28% this year and we becoming very efficient and the best at our business.
My financial situation:
I am a good candidate for this loan because? during the last two
years I have reduced my debt from $41,000 to less than $15,000.? My
current debt has high interest and would like to get rid of it.
Monthly net income: $ 5100.00
Monthly expenses: $3000.
??Housing: $ 575
??Insurance: $35
??Car expenses: $450
??Utilities: $235
??Phone, cable, internet: $150
??Food, entertainment: $ 300
??Clothing, household expenses $220?
??Credit cards and other loans: $ 900
??Other expenses: $225
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
465925
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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:
| 34.5% | | |
| | | |
|
|
Starting lender yield:
| 19.00% |
Starting borrower rate/APR:
| 20.00% / 22.24% |
Starting monthly payment:
| $445.96 |
| |
|
Auction yield range:
| 16.93% - 19.00% |
Estimated loss impact:
| 35.56% | | |
|
Lender servicing fee:
| 1.00% |
Estimated return:
| -16.56% | | |
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
|
Prosper scores:
| |
First credit line:
| Jul-2000 |
Debt/Income ratio:
| Not calculated |
|
Basic (1-10):
| 1 |
Inquiries last 6m:
| 0 | Employment status: | Full-time employee |
| Enhanced (1-5): | 4 |
Current / open credit lines:
| 4
/
4 | Length of status: | 3y 4m |
|
Credit score:
| 640-659 (Jul-2010) |
Total credit lines:
| 24 |
Occupation: | Sales - Commission |
|
Now delinquent:
| 0 |
Revolving credit balance:
| $3,557 | Stated income: | $50,000-$74,999 |
|
Amount delinquent:
| $0 |
Bankcard utilization:
| 100% | | |
|
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| No | | |
|
Delinquencies in last 7y:
| 0 | | | | |
|
Screen name:
| MikeJAnderson |
Borrower's state:
| California |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
| Loan history | Payment history | Credit score history |
|
Active / total loans:
| 0 / 1 |
On-time:
| 11 ( 100% )
| 640-659 (Latest)
|
|
Principal borrowed:
| $12,000.00 | < 31 days late:
| 0
( 0% )
| 560-579
(Dec-2006)
|
|
Principal balance:
| $0.00 |
31+ days late:
| 0
( 0% )
|
|
Total payments billed:
| 11 | | |
Description
My loan for debt consolidation.
Purpose of loan:
This loan will be to pay off my student loans and pay down my high interest credit cards. I have borrowed $12,000 before from the prosper community and paid it back in full.
My financial situation:
I am a good candidate for this loan because? I am making $55,000 a year plus bonuses and my credit score has improved over 80 points since my past loan. I work for an appraisals firm and business is booming. I expect to have a better year this year than the past.
Monthly net income: $ $3,600 Monthly
Monthly expenses: $
??Housing: $ $400
??Insurance: $100
??Car expenses: $25?
??Utilities: $40
??Phone, cable, internet: $25
??Food, entertainment: $ 20
??Clothing, household expenses $25
??Credit cards and other loans: $ 150
??other expenses: $100
I am a college graduate from from the class of 2006. I have held professional positions during and since graduation.
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
465929
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
|
Amount:
| $5,000.00 |
Prosper Rating:
| HR |
Auction Duration:
| 7 days
|
|
Term:
| 36 months |
Estimated loss:
| 25.0% | | |
| | | |
|
|
Starting lender yield:
| 34.00% |
Starting borrower rate/APR:
| 35.00% / 37.45% |
Starting monthly payment:
| $226.18 |
| |
|
Auction yield range:
| 16.93% - 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-1994 |
Debt/Income ratio:
| 9% |
|
Basic (1-10):
| 2 |
Inquiries last 6m:
| 2 | Employment status: | Full-time employee |
| Enhanced (1-5): | 1 |
Current / open credit lines:
| 2
/
2 | Length of status: | 7y 6m |
|
Credit score:
| 640-659 (Jul-2010) |
Total credit lines:
| 49 |
Occupation: | Teacher |
|
Now delinquent:
| 10 |
Revolving credit balance:
| $0 | Stated income: | $25,000-$49,999 |
|
Amount delinquent:
| $11,613 |
Bankcard utilization:
| 0% | | |
|
Public records last 12m / 10y:
| 1/ 1 |
Homeownership:
| No | | |
|
Delinquencies in last 7y:
| 11 | | | | |
|
Screen name:
| majestic-dough4 |
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
New mom starting over!
Purpose of loan:
This loan will be used to pay off personal loans and debt incurred while on maternity leave.? I did not receive an income during 12 weeks of maternity leave because I did not have disability.? I have filed for bankruptcy, however that only means that I cannot file on another debt and this loan will be my primary and only payment other than those of the cost of living.
My financial situation:
I am a good candidate for this loan because I am a full-time fifth-grade teacher with a steady income and direct deposit.? I am a hard worker and very dedicated to my students, their families and?the community.? I am trying to now provide for my first child and provide a clean slate with a little head start rather than borrowing from the next two or three paychecks in the future.? I believe in my community's ability to assist me, so that I may again be able to assist someone in return one day!?
Monthly net income: $ 3200
Monthly expenses: $
??Housing: $ 570.00????
??Insurance: $ 100.00
??Car expenses: $ 200.00
??Utilities: $ 250.00
??Phone, cable, internet: $ 200.00?
??Food, entertainment: $ 100.00
??Clothing, household expenses $?200.00?
??Credit cards and other loans: $ 1100.00
??Other expenses: $ Baby expenses...whatever she needs.
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
465935
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
|
Amount:
| $7,000.00 |
Prosper Rating:
| HR |
Auction Duration:
| 7 days
|
|
Term:
| 36 months |
Estimated loss:
| 18.0% | | |
| | | |
|
|
Starting lender yield:
| 34.00% |
Starting borrower rate/APR:
| 35.00% / 37.45% |
Starting monthly payment:
| $316.65 |
| |
|
Auction yield range:
| 16.93% - 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-2003 |
Debt/Income ratio:
| 41% |
|
Basic (1-10):
| 5 |
Inquiries last 6m:
| 0 | Employment status: | Full-time employee |
| Enhanced (1-5): | 4 |
Current / open credit lines:
| 11
/
11 | Length of status: | 3y 2m |
|
Credit score:
| 680-699 (Jul-2010) |
Total credit lines:
| 21 |
Occupation: | Administrative Assi... |
|
Now delinquent:
| 1 |
Revolving credit balance:
| $6,731 | Stated income: | $25,000-$49,999 |
|
Amount delinquent:
| $1,405 |
Bankcard utilization:
| 58% | | |
|
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| Yes | | |
|
Delinquencies in last 7y:
| 0 | | | | |
|
Screen name:
| new-productive-peace |
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 pay off all of mine and my husband's credit card debt.
My financial situation:
I had a baby (our second child) February of last year and I was pulled out of work two months prior to the due date due to some difficulties.Due to being out of work we got behind on some bills.We managed to keep them all less than 30 days with the exception of our mortgage, which ended up two months late.We have since caught up on everything and I have returned to work (over a year ago), but I would like to pay off our credit card debt as we had to use credit cards more than planned while I was out of work.We are a two income household where my husband makes apx $50,000 a year.
Monthly net income: $2500.00 (this is prior to my husband?s income which is $4,000.00 a month)
Monthly expenses: $
??Housing: $ 1500
??Insurance: $ 130
??Car expenses: $ 600
??Utilities: $ 150
??Phone, cable, internet: $ 150
??Food, entertainment: $ 500
??Clothing, household expenses $
??Credit cards and other loans: $ 201
??Other expenses: $800 (Daycare)
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
465943
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
|
Amount:
| $10,000.00 |
Prosper Rating:
| HR |
Auction Duration:
| 7 days
|
|
Term:
| 36 months |
Estimated loss:
| 25.0% | | |
| | | |
|
|
Starting lender yield:
| 34.00% |
Starting borrower rate/APR:
| 35.00% / 37.45% |
Starting monthly payment:
| $452.36 |
| |
|
Auction yield range:
| 16.93% - 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-2008 |
Debt/Income ratio:
| 38% |
|
Basic (1-10):
| 2 |
Inquiries last 6m:
| 3 | Employment status: | Full-time employee |
| Enhanced (1-5): | 1 |
Current / open credit lines:
| 2
/
2 | Length of status: | 0y 7m |
|
Credit score:
| 700-719 (Jul-2010) |
Total credit lines:
| 2 |
Occupation: | Other |
|
Now delinquent:
| 0 |
Revolving credit balance:
| $28 | Stated income: | $1-$24,999 |
|
Amount delinquent:
| $0 |
Bankcard utilization:
| 5% | | |
|
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| No | | |
|
Delinquencies in last 7y:
| 0 | | | | |
|
Screen name:
| moola-bunny4 |
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
paying off my cash loan
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
465947
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
|
Amount:
| $1,800.00 |
Prosper Rating:
| E |
Auction Duration:
| 7 days
|
|
Term:
| 36 months |
Estimated loss:
| 14.0% | | |
| | | |
|
|
Starting lender yield:
| 33.23% |
Starting borrower rate/APR:
| 34.23% / 36.67% |
Starting monthly payment:
| $80.64 |
| |
|
Auction yield range:
| 13.93% - 33.23% |
Estimated loss impact:
| 15.53% | | |
|
Lender servicing fee:
| 1.00% |
Estimated return:
| 17.70% | | |
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:
| Jun-2006 |
Debt/Income ratio:
| Not calculated |
|
Basic (1-10):
| 6 |
Inquiries last 6m:
| 2 | Employment status: | Full-time employee |
| Enhanced (1-5): | 3 |
Current / open credit lines:
| 4
/
2 | Length of status: | 1y 1m |
|
Credit score:
| 640-659 (Jul-2010) |
Total credit lines:
| 5 |
Occupation: | Accountant/CPA |
|
Now delinquent:
| 0 |
Revolving credit balance:
| $2,188 | Stated income: | $50,000-$74,999 |
|
Amount delinquent:
| $0 |
Bankcard utilization:
| 62% | | |
|
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| No | | |
|
Delinquencies in last 7y:
| 0 | | | | |
|
Screen name:
| soulful-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
Moving for new job
Purpose of loan:
This loan will be used to move into my new apartment. I live in New York City now and am moving to Long island to work for the North Shore LIJ. I am a RN. I am moving alot of stuff and have to hire a crew and stay in a hotel for a few days till my place is ready. I have to leave a little early to prevent the landlord to charge me another months rent. The landlord was not the nicest guy. I thought this would be the best way to finance the move. Thanks everyone
My financial situation:
I am a good candidate for this loan because i pay my bills and have a great job that pays well. I just finished paying off all of my student loans a couple of months ago and will have no problem taking care of this.
Monthly net income: $
3700
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
465955
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
|
Amount:
| $7,950.00 |
Prosper Rating:
| C |
Auction Duration:
| 7 days
|
|
Term:
| 36 months |
Estimated loss:
| 8.0% | | |
| | | |
|
|
Starting lender yield:
| 22.55% |
Starting borrower rate/APR:
| 23.55% / 25.84% |
Starting monthly payment:
| $310.03 |
| |
|
Auction yield range:
| 7.93% - 22.55% |
Estimated loss impact:
| 8.53% | | |
|
Lender servicing fee:
| 1.00% |
Estimated return:
| 14.02% | | |
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
|
Prosper scores:
| |
First credit line:
| Dec-2000 |
Debt/Income ratio:
| 9% |
|
Basic (1-10):
| 8 |
Inquiries last 6m:
| 0 | Employment status: | Full-time employee |
| Enhanced (1-5): | 5 |
Current / open credit lines:
| 7
/
7 | Length of status: | 10y 1m |
|
Credit score:
| 700-719 (Jul-2010) |
Total credit lines:
| 7 |
Occupation: | Sales - Commission |
|
Now delinquent:
| 0 |
Revolving credit balance:
| $824 | Stated income: | $75,000-$99,999 |
|
Amount delinquent:
| $0 |
Bankcard utilization:
| 21% | | |
|
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| No | | |
|
Delinquencies in last 7y:
| 0 | | | | |
|
Screen name:
| deal-hootenanny9 |
Borrower's state:
| California |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Description
Paying off High Rate Credit Cards
Purpose of loan:
This loan will be used to? pay off two (2) high interest credit cards.
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?occupation for over 17?years.
I have never been late on any of my loans.?
Monthly net income: $ 3686.00 plus quarterly commissions and year end bonus.
Monthly expenses: $
??Housing: $ 1,625.00
??Insurance: $?200.00
??Car expenses: $ 200.00
??Utilities: $ 100.00
??Phone, cable, internet: $135.00
??Food, entertainment: $250.00
??Clothing, household expenses $150.00
??Credit cards and other loans: $ 825.00
??Other expenses: $125.00
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
465959
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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:
| 12.93% |
Starting borrower rate/APR:
| 13.93% / 16.09% |
Starting monthly payment:
| $136.57 |
| |
|
Auction yield range:
| 5.93% - 12.93% |
Estimated loss impact:
| 5.22% | | |
|
Lender servicing fee:
| 1.00% |
Estimated return:
| 7.71% | | |
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
|
Prosper scores:
| |
First credit line:
| 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
consolidate to lower interest rate
Purpose of loan: To pay off credit card with high interest rate
My financial situation:
Currently hold a?management position?for 13 years with very successful?restaurant. My wife works?part time for a nursing home.?
Monthly net income: $ 4600
Monthly expenses: $
??Housing: $ 1425
??Insurance: $ 35
??Car expenses: $ 285
??Phone, cable, internet: $ 150?
??Credit cards and other loans: $?450
??Other expenses: $
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
465965
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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:
| 16.93% - 34.00% |
Estimated loss impact:
| 20.01% | | |
|
Lender servicing fee:
| 1.00% |
Estimated return:
| 13.99% | | |
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
|
Prosper scores:
| |
First credit line:
| Mar-1998 |
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:
| 2
/
2 | Length of status: | 5y 5m |
|
Credit score:
| 680-699 (Jul-2010) |
Total credit lines:
| 10 |
Occupation: | Professional |
|
Now delinquent:
| 0 |
Revolving credit balance:
| $1,473 | Stated income: | $25,000-$49,999 |
|
Amount delinquent:
| $0 |
Bankcard utilization:
| 74% | | |
|
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| No | | |
|
Delinquencies in last 7y:
| 2 | | | | |
|
Screen name:
| interest-searcher6 |
Borrower's state:
| DistrictOfColumbia |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Description
Peace Corps Here I Come!
Purpose of loan:
This loan will be used to prepare me for my upcoming Peace Corps service, i.e., use the loan to pay for moving/storage expenses, pay off my credit card, and pay last rents.
My financial situation:
I am a good candidate for this loan because even now, I am able to handle the monthly payments, and once I begin Peace Corps, I will have an extra $1183.00 per month. Additionally, I have historically earned more than $70,000 per year as a single person without dependents. This is important to mention because it speaks to my earning potential and my ability to be hired at a higher salary. My 12 years of experience in business communications ensures that; completion of Peace Corps service guarantees that. The best part is that this will happen in less time than it takes to pay off my Prosper loan.
Monthly expenses: $
? Housing: $ 945.00
??Insurance: $ 0
??Car expenses: $ 0
??Utilities: $ 15 (electric)
??Phone, cable, internet: $ 98.00 (I don?t have cable.)
??Food, entertainment: $ 150
??Clothing, household expenses $ 50
??Credit cards and other loans: $ 70.00
??Other expenses: $ 0
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
465971
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
|
Amount:
| $15,000.00 |
Prosper Rating:
| HR |
Auction Duration:
| 7 days
|
|
Term:
| 36 months |
Estimated loss:
| 18.0% | | |
| | | |
|
|
Starting lender yield:
| 34.00% |
Starting borrower rate/APR:
| 35.00% / 37.45% |
Starting monthly payment:
| $678.54 |
| |
|
Auction yield range:
| 16.93% - 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-1994 |
Debt/Income ratio:
| 70% |
|
Basic (1-10):
| 4 |
Inquiries last 6m:
| 0 | Employment status: | Full-time employee |
| Enhanced (1-5): | 4 |
Current / open credit lines:
| 15
/
8 | Length of status: | 3y 6m |
|
Credit score:
| 640-659 (Jul-2010) |
Total credit lines:
| 38 |
Occupation: | Clerical |
|
Now delinquent:
| 0 |
Revolving credit balance:
| $11,739 | Stated income: | $25,000-$49,999 |
|
Amount delinquent:
| $0 |
Bankcard utilization:
| 94% | | |
|
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| Yes | | |
|
Delinquencies in last 7y:
| 0 | | | | |
|
Screen name:
| bold-impressive-asset |
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
Paying off my credit cards.
Purpose of loan:
This loan will be used to?pay off existing high rate credit cards and?consolidate payments.?
My financial situation:
I am a good candidate for this loan because? my husband and I have a steady source of income and we pay our bills ontime.
Monthly net income: $ 2700.00
Monthly expenses: $
??Housing: $ 400
??Insurance: $ 85
??Car expenses: $ 50
??Utilities: $ 200
??Phone, cable, internet: $ 250
??Food, entertainment: $?550
??Clothing, household expenses $ 150
??Credit cards and other loans: $ 700
??Other expenses: $ 0
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
465977
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
|
Amount:
| $9,000.00 |
Prosper Rating:
| HR |
Auction Duration:
| 7 days
|
|
Term:
| 36 months |
Estimated loss:
| 18.0% | | |
| | | |
|
|
Starting lender yield:
| 34.00% |
Starting borrower rate/APR:
| 36.00% / 38.47% |
Starting monthly payment:
| $412.23 |
| |
|
Auction yield range:
| 16.93% - 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-1995 |
Debt/Income ratio:
| 20% |
|
Basic (1-10):
| 3 |
Inquiries last 6m:
| 2 | Employment status: | Full-time employee |
| Enhanced (1-5): | 3 |
Current / open credit lines:
| 19
/
19 | Length of status: | 7y 3m |
|
Credit score:
| 760-779 (Jul-2010) |
Total credit lines:
| 28 |
Occupation: | Executive |
|
Now delinquent:
| 0 |
Revolving credit balance:
| $1,886 | Stated income: | $50,000-$74,999 |
|
Amount delinquent:
| $0 |
Bankcard utilization:
| 53% | | |
|
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| Yes | | |
|
Delinquencies in last 7y:
| 0 | | | | |
|
Screen name:
| social-hotshot |
Borrower's state:
| Ohio |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Description
Home re-model
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
465983
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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:
| 16.93% - 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-1999 |
Debt/Income ratio:
| 15% |
|
Basic (1-10):
| 4 |
Inquiries last 6m:
| 0 | Employment status: | Retired |
| Enhanced (1-5): | 2 |
Current / open credit lines:
| 0
/
0 | Length of status: | 2y 6m |
|
Credit score:
| 640-659 (Jul-2010) |
Total credit lines:
| 4 | Stated income: | $1-$24,999 |
|
Now delinquent:
| 0 |
Revolving credit balance:
| $0 | |
|
Amount delinquent:
| $0 |
Bankcard utilization:
| 0% | | |
|
Public records last 12m / 10y:
| 0/ 2 |
Homeownership:
| No | | |
|
Delinquencies in last 7y:
| 0 | | | | |
|
Screen name:
| pleasant-principal6 |
Borrower's state:
| DistrictOfColumbia |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from 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 misc. debts
Purpose of loan:
This loan will be used to? pay off some misc. medicals bills, etc.
My financial situation:
I am a good candidate for this loan because? I'm a very responsible person
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
465985
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
|
Amount:
| $2,000.00 |
Prosper Rating:
| A |
Auction Duration:
| 7 days
|
|
Term:
| 36 months |
Estimated loss:
| 2.1% | | |
| | | |
|
|
Starting lender yield:
| 8.20% |
Starting borrower rate/APR:
| 9.20% / 11.30% |
Starting monthly payment:
| $63.79 |
| |
|
Auction yield range:
| 3.93% - 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-1988 |
Debt/Income ratio:
| 34% |
|
Basic (1-10):
| 9 |
Inquiries last 6m:
| 1 | Employment status: | Full-time employee |
| Enhanced (1-5): | 4 |
Current / open credit lines:
| 8
/
8 | Length of status: | 1y 6m |
|
Credit score:
| 720-739 (Jul-2010) |
Total credit lines:
| 35 |
Occupation: | Other |
|
Now delinquent:
| 0 |
Revolving credit balance:
| $9,069 | Stated income: | $50,000-$74,999 |
|
Amount delinquent:
| $0 |
Bankcard utilization:
| 64% | | |
|
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| Yes | | |
|
Delinquencies in last 7y:
| 0 | | | | |
|
Screen name:
| dignified-liberty7 |
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
Trip
Purpose of loan:
This loan will be used for an unexpected trip?to Fargo ND for 10 days
My financial situation:
I am a good candidate for this loan because I have a great credit score and own 2 homes with a slight mortgage on one, a 250 acre farm with no loans attached.
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
465987
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
|
Amount:
| $8,000.00 |
Prosper Rating:
| HR |
Auction Duration:
| 7 days
|
|
Term:
| 36 months |
Estimated loss:
| 18.0% | | |
| | | |
|
|
Starting lender yield:
| 34.00% |
Starting borrower rate/APR:
| 35.00% / 37.45% |
Starting monthly payment:
| $361.89 |
| |
|
Auction yield range:
| 16.93% - 34.00% |
Estimated loss impact:
| 20.01% | | |
|
Lender servicing fee:
| 1.00% |
Estimated return:
| 13.99% | | |
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
|
Prosper scores:
| |
First credit line:
| Mar-1999 |
Debt/Income ratio:
| 57% |
|
Basic (1-10):
| 5 |
Inquiries last 6m:
| 0 | Employment status: | Full-time employee |
| Enhanced (1-5): | 4 |
Current / open credit lines:
| 13
/
12 | Length of status: | 1y 6m |
|
Credit score:
| 680-699 (Jul-2010) |
Total credit lines:
| 33 |
Occupation: | Sales - Retail |
|
Now delinquent:
| 0 |
Revolving credit balance:
| $21,270 | Stated income: | $25,000-$49,999 |
|
Amount delinquent:
| $0 |
Bankcard utilization:
| 95% | | |
|
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| No | | |
|
Delinquencies in last 7y:
| 0 | | | | |
|
Screen name:
| knowledgeable-affluence |
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
Paying off my credit cards
Purpose of loan:
This loan will be used to pay off my credit cards.
My financial situation:
I am a good candidate for this loan because I am aggressively paying back my debt.
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
465991
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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:
| 19.0% | | |
| | | |
|
|
Starting lender yield:
| 30.99% |
Starting borrower rate/APR:
| 31.99% / 34.40% |
Starting monthly payment:
| $261.29 |
| |
|
Auction yield range:
| 16.93% - 30.99% |
Estimated loss impact:
| 20.82% | | |
|
Lender servicing fee:
| 1.00% |
Estimated return:
| 10.17% | | |
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-1982 |
Debt/Income ratio:
| 13% |
|
Basic (1-10):
| 4 |
Inquiries last 6m:
| 5 | Employment status: | Full-time employee |
| Enhanced (1-5): | 3 |
Current / open credit lines:
| 10
/
8 | Length of status: | 25y 10m |
|
Credit score:
| 620-639 (Jul-2010) |
Total credit lines:
| 21 |
Occupation: | Teacher |
|
Now delinquent:
| 4 |
Revolving credit balance:
| $8,342 | Stated income: | $75,000-$99,999 |
|
Amount delinquent:
| $0 |
Bankcard utilization:
| 76% | | |
|
Public records last 12m / 10y:
| 0/ 4 |
Homeownership:
| No | | |
|
Delinquencies in last 7y:
| 14 | | | | |
|
Screen name:
| teach24 |
Borrower's state:
| NewYork |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
| Loan history | Payment history | Credit score history |
|
Active / total loans:
| 1 / 1 |
On-time:
| 25 ( 100% )
| 620-639 (Latest)
|
|
Principal borrowed:
| $4,000.00 | < 31 days late:
| 0
( 0% )
| 600-619
(May-2008)
600-619
(Apr-2008)
|
|
Principal balance:
| $1,683.14 |
31+ days late:
| 0
( 0% )
|
|
Total payments billed:
| 25 | | |
Description
Driveway and deck for new house
Hello everyone.
The purpose of this loan will be to put in a driveway and add a deck to the home I just built. This is my second Prosper loan.
ABOUT MY HR RATING:
I am a bit surprised by this. My FICO score has increased since my last Prosper loan...and my bank card utilization is less. I sold my previous home 12 days ago and closed on my new home yesterday. I assume that lapse has made Prosper consider me as a non-homeowner. The inquiries on the report are from working with mortgage companies and obtaining a home owner's insurance policy. Any DQs are inaccurate and from a failed business venture in 2003. You will see the amount owed is $0. I just obtained a conforming mortgage...so I assume my credit is fair.
I am a teacher and have been with my current employer for over 25 years. I am #1 for seniority in my department.
My last 25 Prosper loan payments have been 100% on time. The new loan will be automatically deducted from my checking account also.
Thank you so much for your time and consideration.
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
465993
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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:
| 16.93% - 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-1991 |
Debt/Income ratio:
| 37% |
|
Basic (1-10):
| 5 |
Inquiries last 6m:
| 0 | Employment status: | Full-time employee |
| Enhanced (1-5): | 4 |
Current / open credit lines:
| 11
/
11 | Length of status: | 22y 10m |
|
Credit score:
| 680-699 (Jul-2010) |
Total credit lines:
| 21 |
Occupation: | Military Enlisted |
|
Now delinquent:
| 0 |
Revolving credit balance:
| $51,391 | Stated income: | $50,000-$74,999 |
|
Amount delinquent:
| $0 |
Bankcard utilization:
| 99% | | |
|
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| Yes | | |
|
Delinquencies in last 7y:
| 0 | | | | |
|
Screen name:
| mychoice46 |
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.
Prosper Activity
| Loan history | Payment history | Credit score history |
|
Active / total loans:
| 1 / 3 |
On-time:
| 21 ( 100% )
| 680-699 (Latest)
|
|
Principal borrowed:
| $5,525.00 | < 31 days late:
| 0
( 0% )
| 700-719
(Aug-2009)
640-659
(Aug-2008)
580-599
(Dec-2007)
560-579
(Nov-2007)
|
|
Principal balance:
| $1,037.30 |
31+ days late:
| 0
( 0% )
|
|
Total payments billed:
| 21 | | |
Description
Sustainment
Purpose of loan:
This loan will be used to? Purchase my 16 yo her first vehicle and pay off balance to current prosper loan.
My financial situation:
I am a good candidate for this loan because...this is my 4th loan I have had and have never defaulted on any of the payment and which I have paid all off early, which I will do with a portion of this loan. That way I only have one loan open with Prosper at one time.
Monthly net income: $
5500
Monthly expenses: $
3200
??Housing: $
1100
??Insurance: $
150
??Car expenses: $
550
??Utilities: $ 300
??Phone, cable, internet: $ 260
??Food, entertainment: $
300
??Clothing, household expenses $ 200
??Credit cards and other loans: $
150
??Other expenses: $
300
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
465997
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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:
| 25.33% |
Starting borrower rate/APR:
| 26.33% / 28.65% |
Starting monthly payment:
| $80.93 |
| |
|
Auction yield range:
| 10.93% - 25.33% |
Estimated loss impact:
| 10.63% | | |
|
Lender servicing fee:
| 1.00% |
Estimated return:
| 14.70% | | |
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:
| Nov-2007 |
Debt/Income ratio:
| 20% |
|
Basic (1-10):
| 7 |
Inquiries last 6m:
| 0 | Employment status: | Full-time employee |
| Enhanced (1-5): | 3 |
Current / open credit lines:
| 2
/
2 | Length of status: | 0y 8m |
|
Credit score:
| 660-679 (Jun-2010) |
Total credit lines:
| 2 |
Occupation: | Other |
|
Now delinquent:
| 0 |
Revolving credit balance:
| $1,068 | Stated income: | $1-$24,999 |
|
Amount delinquent:
| $0 |
Bankcard utilization:
| 55% | | |
|
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| No | | |
|
Delinquencies in last 7y:
| 0 | | | | |
|
Screen name:
| raymi2008 |
Borrower's state:
| RhodeIsland |
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
paying debt build credit
Purpose of loan:
This loan will be used to? two fold to pay off debt and build my credit
My financial situation:
I am a good candidate for this loan because?
I dont want to destroy me credit
Monthly net income: $ 1978
Monthly expenses: $
??Housing: $ 200
??Insurance: $?0
??Car expenses: $ 75
??Utilities: $ 75
??Phone, cable, internet: $ 0
??Food, entertainment: $ 200
??Clothing, household expenses $ 0
??Credit cards and other loans: $?80
??Other expenses: $ 0
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
465999
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
|
Amount:
| $1,100.00 |
Prosper Rating:
| A |
Auction Duration:
| 7 days
|
|
Term:
| 36 months |
Estimated loss:
| 2.1% | | |
| | | |
|
|
Starting lender yield:
| 7.50% |
Starting borrower rate/APR:
| 8.50% / 11.70% |
Starting monthly payment:
| $34.72 |
| |
|
Auction yield range:
| 3.93% - 7.50% |
Estimated loss impact:
| 2.11% | | |
|
Lender servicing fee:
| 1.00% |
Estimated return:
| 5.39% | | |
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
|
Prosper scores:
| |
First credit line:
| Aug-1990 |
Debt/Income ratio:
| 21% |
|
Basic (1-10):
| 10 |
Inquiries last 6m:
| 0 | Employment status: | Full-time employee |
| Enhanced (1-5): | 4 |
Current / open credit lines:
| 11
/
9 | Length of status: | 3y 4m |
|
Credit score:
| 700-719 (Jul-2010) |
Total credit lines:
| 34 |
Occupation: | Engineer - Electric... |
|
Now delinquent:
| 0 |
Revolving credit balance:
| $55,555 | Stated income: | $75,000-$99,999 |
|
Amount delinquent:
| $0 |
Bankcard utilization:
| 88% | | |
|
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| Yes | | |
|
Delinquencies in last 7y:
| 0 | | | | |
|
Screen name:
| focused-social4 |
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
Small loan to see how it works.
Purpose of loan:
This loan will be used to pay off a small Credit cards that are combined at a higher interest rate, My financial situation:
I am a good candidate for this loan because I pay my bills and am looking to lower my revolving debt and possibly use this for larger amount later on.?
Monthly net income: $ 4578.72
Monthly expenses: $?3950
??Housing: $ 809 (includes taxes and Insurance)???
??Insurance: $?80 (auto paid by wife, this is my life insurance)
??Car expenses: $?200 (own my car, gas, tires, oil change etc)
??Utilities: $?0 (paid by wife)
??Phone, cable, internet: $?54
??Food, entertainment: $?700
??Clothing, household expenses $?100
??Credit cards and other loans: $?1100??Other expenses: $ 200
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
466009
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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:
| 11.68% |
Starting borrower rate/APR:
| 12.68% / 13.03% |
Starting monthly payment:
| $335.40 |
| |
|
Auction yield range:
| 2.93% - 11.68% |
Estimated loss impact:
| 1.51% | | |
|
Lender servicing fee:
| 1.00% |
Estimated return:
| 10.17% | | |
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:
| Jan-1993 |
Debt/Income ratio:
| 13% |
|
Basic (1-10):
| 7 |
Inquiries last 6m:
| 3 | Employment status: | Full-time employee |
| Enhanced (1-5): | 4 |
Current / open credit lines:
| 13
/
12 | Length of status: | 1y 0m |
|
Credit score:
| 820-839 (Jul-2010) |
Total credit lines:
| 37 |
Occupation: | Other |
|
Now delinquent:
| 0 |
Revolving credit balance:
| $1,568 | Stated income: | $50,000-$74,999 |
|
Amount delinquent:
| $0 |
Bankcard utilization:
| 3% | | |
|
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| Yes | | |
|
Delinquencies in last 7y:
| 0 | | | | |
|
Screen name:
| kindness-optimization3 |
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
New Car
Purpose of loan:
This loan will be used to buy a used car. I
am what you would call a 'car guy.'? Since I was a little kid I have
always been fascinated with cars, mainly American Muscle cars. Over the
years I have been lucky enough to own a couple of nice ones but it has
been a while now and I am itching for a nice ride. I recently got
engaged to my girlfriend of ten years (who luckily supports me and my
hobby!) and we decided that before we get married and have kids we would
try to buy a car we would both enjoy.
I am a graphic designer working for the government my fiance is a case
manager for a home health care company where she has been for 9 years.
When we bought our house 6 years ago we made the smart decision to not
'max-out' the mortgage offers. We purchased a smaller house that would
allow us to continue to save some money and live the lifestyle we
wanted. Other than normal housing expenses (electric, internet, cable,
phone, etc) we have a few credit cards but we only use two and both are
almost always paid in full at the end of the month.
My financial
situation:
I am a good candidate for this loan because my credit
is excellent and I value that. I ALWAYS
pay my bills on time. I am a stickler for keeping my credit rating in
great shape as it influences so many things in today's world. Although I
am looking for a loan in the amount of $10,000. The car I am looking at
is 21,000.00, we managed to save the first $11,000 over the past year
and a half.
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
466011
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
|
Amount:
| $10,000.00 |
Prosper Rating:
| C |
Auction Duration:
| 7 days
|
|
Term:
| 36 months |
Estimated loss:
| 8.0% | | |
| | | |
|
|
Starting lender yield:
| 19.55% |
Starting borrower rate/APR:
| 20.55% / 22.79% |
Starting monthly payment:
| $374.44 |
| |
|
Auction yield range:
| 7.93% - 19.55% |
Estimated loss impact:
| 8.46% | | |
|
Lender servicing fee:
| 1.00% |
Estimated return:
| 11.09% | | |
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:
| Sep-1999 |
Debt/Income ratio:
| 16% |
|
Basic (1-10):
| 8 |
Inquiries last 6m:
| 0 | Employment status: | Full-time employee |
| Enhanced (1-5): | 5 |
Current / open credit lines:
| 9
/
9 | Length of status: | 1y 9m |
|
Credit score:
| 720-739 (Jul-2010) |
Total credit lines:
| 20 |
Occupation: | Computer Programmer |
|
Now delinquent:
| 0 |
Revolving credit balance:
| $9,237 | 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:
| 6 | | | | |
|
Screen name:
| ethical-income4 |
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
Experienced Computer/Network Tech
Purpose of loan:
I am an experienced Computer/Network Technician looking to start my own "IT Services" company.?
I?am Certified by Microsoft (MCSE)?and CompTIA (CompTIA A+ & Net +).? These certifications are among the highest among the IT community for the line of work I am in, and the line of work I plan to conduct when I open my business.?
The?purpose of the loan is to open a "brick?and mortar."? The location is on Main St in Greenfield, MA in a recently renovated historic building.? This location is HIGH VISIBILITY at the busiest intersection (Main & Federal) in Greenfield.??There is very little viable competition in the area, including downtown and outlying communities.? The two companies that currently do similar work DO NOT have store fronts, let alone one right on Main St.??They work out of their homes and are quite frankly, fly-by-night trunk-slammers.? My?technical training and experience is more up-to-date than?the?competition, and?I am younger than each of the other owners by 15-20 years.?
In addition to my current certifications, I am about to attain my latest Microsoft certification on?Windows 7, Microsoft's latest operating system.?
Finally, I know my target audience and how to reach them.? Through the local newspaper and radio stations.? There are NO advertisements from ANY competition at either of these valuable resources.? Leading up to the Grand Opening, there will be two weeks of?advertisements everyday, on two radio stations and the local paper.? There will be a remote broadcast by?one of the?local radio stations, and giveaways of technical related promotional products on opening day.
Please help me make this a reality!? The location of this brick and mortar will not be there forever.? I need to strike now!? :-)
My financial situation:
I am in need of a loan because I understand the importance of separating personal and business finances.? I DO NOT want to use personal money to start the business.? I should be using loans that can be paid back.0
Monthly net income: $ 3225.00
Monthly expenses: $ $2100.00
??Housing: $ 830
??Insurance: $ 65
??Car expenses: $ 170?
??Utilities: $ 100
??Phone, cable, internet: $ 155?
??Food, entertainment: $ 275
??Clothing, household expenses $ 100?
??Credit cards and other loans: $ 400
??Other expenses: $
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
466027
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
|
Amount:
| $4,985.00 |
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:
| $225.50 |
| |
|
Auction yield range:
| 16.93% - 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-2001 |
Debt/Income ratio:
| 25% |
|
Basic (1-10):
| 5 |
Inquiries last 6m:
| 1 | Employment status: | Full-time employee |
| Enhanced (1-5): | 3 |
Current / open credit lines:
| 3
/
1 | Length of status: | 1y 11m |
|
Credit score:
| 700-719 (Jul-2010) |
Total credit lines:
| 12 |
Occupation: | Student - College G... |
|
Now delinquent:
| 0 |
Revolving credit balance:
| $0 | Stated income: | $25,000-$49,999 |
|
Amount delinquent:
| $0 |
Bankcard utilization:
| 0% | | |
|
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| No | | |
|
Delinquencies in last 7y:
| 0 | | | | |
|
Screen name:
| determined-openness1 |
Borrower's state:
| NorthCarolina |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Description
Paying back excess finacial aid
Purpose of loan:
This loan will be used to pay back financial aid that was dispersed to me by my university. My tuition and fees are paid in full yearly by my department since I am a PhD student in the biomedical sciences at my school. However, I decided to take out some student loans to help ease expenses and payoff some debt. My bills have been paid but now according to my university, I've received excess financial aid and have been requested to repay $4985 before I can register for the upcoming fall semester. I have tried to work out a payment agreement with my university, but this requires me to sit out of school until I pay back the money. This doesn't work for me because my income is based on me being registered.? This is my dilemma.
My financial situation:
I am a good candidate for this loan because I have stable income through my full time job as a research assistant as a? part of my dissertation research in a federally funded laboratory (which will conclude in approximately 3-4 yrs).? Since I used the excess financial aid to pay off bills, I have disposable income and am able to easily repay the loan.?
Monthly net income: $
1800
Monthly expenses: $
??Housing: $ 600
??Insurance: $
53
??Car expenses: $
0
??Utilities: $
60
??Phone, cable, internet: $120
??Food, entertainment: $
100
??Clothing, household expenses $
50
??Credit cards and other loans: $
100
? Other expenses: $
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
466029
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
|
Amount:
| $5,000.00 |
Prosper Rating:
| C |
Auction Duration:
| 7 days
|
|
Term:
| 36 months |
Estimated loss:
| 8.0% | | |
| | | |
|
|
Starting lender yield:
| 21.63% |
Starting borrower rate/APR:
| 22.63% / 24.90% |
Starting monthly payment:
| $192.59 |
| |
|
Auction yield range:
| 7.93% - 21.63% |
Estimated loss impact:
| 8.51% | | |
|
Lender servicing fee:
| 1.00% |
Estimated return:
| 13.12% | | |
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
|
Prosper scores:
| |
First credit line:
| Aug-1991 |
Debt/Income ratio:
| 33% |
|
Basic (1-10):
| 8 |
Inquiries last 6m:
| 2 | Employment status: | Full-time employee |
| Enhanced (1-5): | 3 |
Current / open credit lines:
| 8
/
8 | Length of status: | 10y 1m |
|
Credit score:
| 720-739 (Jul-2010) |
Total credit lines:
| 18 |
Occupation: | Clerical |
|
Now delinquent:
| 0 |
Revolving credit balance:
| $11,968 | Stated income: | $25,000-$49,999 |
|
Amount delinquent:
| $0 |
Bankcard utilization:
| 55% | | |
|
Public records last 12m / 10y:
| 0/ 1 |
Homeownership:
| Yes | | |
|
Delinquencies in last 7y:
| 0 | | | | |
|
Screen name:
| worthy-coin1 |
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
Planning for my future
Purpose of loan:
This loan will be used to?use the funds to help finance a potential business venture for which I expect a return in just a couple of months.
My financial situation:
I am a good candidate for this loan because?although my credit is full, I have always paid my bills on time and do not have any late payments.? I have a solid work history.
Monthly net income: $ 3395
Monthly expenses: $
??Housing: $ 1057
??Insurance: $ 50
??Car expenses: $ 265
??Utilities: $ 150
??Phone, cable, internet: $ 100
??Food, entertainment: $
??Clothing, household expenses $
??Credit cards and other loans: $?650??Other expenses: $
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
466039
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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:
| 32.33% |
Starting borrower rate/APR:
| 33.33% / 36.03% |
Starting monthly payment:
| $66.44 |
| |
|
Auction yield range:
| 10.93% - 32.33% |
Estimated loss impact:
| 10.82% | | |
|
Lender servicing fee:
| 1.00% |
Estimated return:
| 21.51% | | |
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:
| Apr-1998 |
Debt/Income ratio:
| 2% |
|
Basic (1-10):
| 8 |
Inquiries last 6m:
| 0 | Employment status: | Full-time employee |
| Enhanced (1-5): | 3 |
Current / open credit lines:
| 1
/
1 | Length of status: | 11y 1m |
|
Credit score:
| 660-679 (Jun-2010) |
Total credit lines:
| 9 |
Occupation: | Other |
|
Now delinquent:
| 0 |
Revolving credit balance:
| $0 | Stated income: | $25,000-$49,999 |
|
Amount delinquent:
| $0 |
Bankcard utilization:
| 0% | | |
|
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| Yes | | |
|
Delinquencies in last 7y:
| 0 | | | | |
|
Screen name:
| runbix7 |
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
Prosper lender to help out a cowork
Purpose of loan:
This loan will be used to? I have lend a Co worker money and he owes other people money. This loan will hopefully allow to get back on his feet and have one payment which I will then make on his behalf.
My financial situation: I have my mortgage and few other basic bills so taking on this loan will not be a problem.
I am a good candidate for this loan because?My coworker is on the hook for this loan if he can't take his last chance and pay me back I will make the loan good! Of the 1500 I am keeping the first monthes payment. I have my W2 and last pay stub ready to send to prosper to verify this loan. If my coworker pays me back early I will be paying the loan off early. With this interest rate I'm tempted to pay it back early and let him pay me a lower interest rate. I have 1150 invested in prosper, I don't want to sell them and want my coworker to pay the interest. He's well aware that the interest compounds and this is going to be a short term loan with this interest rate!
Monthly net income: $2000 take home
Monthly expenses: $
??Housing: $800
??Insurance: $60
??Car expenses: $75
??Utilities: $75
??Phone, cable, internet: $170
??Food, entertainment: $
??Clothing, household expenses $
??Credit cards and other loans: $0000
??Other expenses: $
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
466045
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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:
| 34.00% |
Starting borrower rate/APR:
| 35.00% / 37.45% |
Starting monthly payment:
| $203.56 |
| |
|
Auction yield range:
| 16.93% - 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-2001 |
Debt/Income ratio:
| 10% |
|
Basic (1-10):
| 5 |
Inquiries last 6m:
| 4 | Employment status: | Full-time employee |
| Enhanced (1-5): | 4 |
Current / open credit lines:
| 4
/
3 | Length of status: | 7y 6m |
|
Credit score:
| 660-679 (Jul-2010) |
Total credit lines:
| 14 |
Occupation: | Clerical |
|
Now delinquent:
| 0 |
Revolving credit balance:
| $1,430 | Stated income: | $25,000-$49,999 |
|
Amount delinquent:
| $0 |
Bankcard utilization:
| 28% | | |
|
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| No | | |
|
Delinquencies in last 7y:
| 38 | | | | |
|
Screen name:
| income-mate |
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
Fix up our new home!
Purpose of loan:
This loan will be used?to fix up our new home and to help pay for our wedding. My fiance and I just closed escrow on our first home on June 16th?and there are lots of things to take care of around the house. We need a new toilet, the backyard needs to be re-done so that our two little dogs can safely be in the backyard, and we want to be able to create a loving, safe home for the family that we want to start within the next year.
Your help will be greatly appreciated!
My financial situation:
I am a good candidate for this loan because?my fiance and I?have?stable jobs with stable income. My bills are paid on time every month and this loan will be paid, ON TIME, every month as well.
We are good, honest people just trying to live out the american dream and build a home for our growing family.
When I was younger I made a few financial mistakes but I have spent the last 4 years trying to build everything back up. I am constantly?finding that because of my past mistakes it is difficult for me to finance certain things. But hey, I must be doing something right if I was able to purchase a home, right??
Even though my rating isn't so desirable, I can guarantee that my payments will be made on time, every month. Please help me out so that I can prove myself and so that we can fix up our home.
Thank you!
Monthly net income: $ 4200.00
Monthly expenses: $ 2575.00
??Housing: $ 1300.00
??Insurance: $ 150.00
??Car expenses: $ 200 for gas (I commute with co-worker)
??Utilities: $ 100
??Phone, cable, internet: $ 75
??Food, entertainment: $ 200
??Clothing, household expenses $ 200
??Credit cards and other loans: $ 250
??Other expenses: $ 100
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
466047
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
|
Amount:
| $8,000.00 |
Prosper Rating:
| A |
Auction Duration:
| 7 days
|
|
Term:
| 36 months |
Estimated loss:
| 2.1% | | |
| | | |
|
|
Starting lender yield:
| 9.20% |
Starting borrower rate/APR:
| 10.20% / 12.31% |
Starting monthly payment:
| $258.89 |
| |
|
Auction yield range:
| 3.93% - 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:
| 31% |
|
Basic (1-10):
| 9 |
Inquiries last 6m:
| 0 | Employment status: | Full-time employee |
| Enhanced (1-5): | 5 |
Current / open credit lines:
| 16
/
14 | Length of status: | 0y 4m |
|
Credit score:
| 740-759 (Jul-2010) |
Total credit lines:
| 21 |
Occupation: | Executive |
|
Now delinquent:
| 0 |
Revolving credit balance:
| $22,066 | Stated income: | $25,000-$49,999 |
|
Amount delinquent:
| $0 |
Bankcard utilization:
| 24% | | |
|
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| No | | |
|
Delinquencies in last 7y:
| 0 | | | | |
|
Screen name:
| 340 |
Borrower's state:
| Washington |
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
CC paydown
Purpose of loan:
This loan will be used to pay off one of my credit cards.? My promotional period has expired and the APR is now at 15.99% which I would love to reduce of course.? It'd also be a plus to pay the interest to other people than the bank.
My financial situation:
I am a good candidate for this loan because I've never had any delinquent accounts, and I've always pad everything off.? I plan to continue this, I realize my revolving balance and debt/income ratios might be a bit higher than the norm but this is due to me going back to school.? School is paid for by a combination of loans and my job.
Current revolving balances:
Credit Card #1?- approx 6700 @ 2.9%
Credit Card #2 - approx 4000 @ 1.9%
Credit Card #3 - approx 1000 @ 0%
Credit Card #4 - approx 3500 @ 11.99% (This card is my monthly purchases for personal and business use therefore this balance is mostly paid off every month, company re-imburses business expenses once a month)
Credit Card #5 - approx 7000@ 15.99% (the 0% promotion has expired)
All other open lines of credit are a combination of store cards and bank line of credits incase I go over my limits which I have never used yet.
I have approx 5000 in the bank for savings.? I do not wish to use this as this is my savings which I do not touch unless it is a dire emergency.
I am also a lender on this site since 2006, and I currently have about 1200 invested into other borrowers.
Monthly net income: approx $2500
Monthly expenses: approx $2000
??Housing: $500
??Insurance: $50
??Car expenses: $100
??Utilities: $100
??Phone, cable, internet: $50
??Food, entertainment: $50
??Clothing, household expenses $50
??Credit cards and other loans: $539 (approx all the minimums added up, I usually pay more than my minimums)
??Other expenses: $500 (savings for future)
In the end I'll have approx 500 left which is more than enough for a 260 dollar monthly payment.
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
466059
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
|
Amount:
| $25,000.00 |
Prosper Rating:
| HR |
Auction Duration:
| 7 days
|
|
Term:
| 36 months |
Estimated loss:
| 18.0% | | |
| | | |
|
|
Starting lender yield:
| 17.00% |
Starting borrower rate/APR:
| 19.00% / 21.22% |
Starting monthly payment:
| $916.40 |
| |
|
Auction yield range:
| 16.93% - 17.00% |
Estimated loss impact:
| 18.94% | | |
|
Lender servicing fee:
| 1.00% |
Estimated return:
| -1.94% | | |
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
|
Prosper scores:
| |
First credit line:
| Oct-1995 |
Debt/Income ratio:
| 14% |
|
Basic (1-10):
| 5 |
Inquiries last 6m:
| 1 | Employment status: | Full-time employee |
| Enhanced (1-5): | 5 |
Current / open credit lines:
| 7
/
6 | Length of status: | 1y 3m |
|
Credit score:
| 720-739 (Jul-2010) |
Total credit lines:
| 27 |
Occupation: | Professional |
|
Now delinquent:
| 0 |
Revolving credit balance:
| $1,377 | Stated income: | $100,000+ |
|
Amount delinquent:
| $0 |
Bankcard utilization:
| 20% | | |
|
Public records last 12m / 10y:
| 0/ 5 |
Homeownership:
| No | | |
|
Delinquencies in last 7y:
| 11 | | | | |
|
Screen name:
| peso-pillow8 |
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
for reinvestment in home
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
466065
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
|
Amount:
| $5,000.00 |
Prosper Rating:
| E |
Auction Duration:
| 7 days
|
|
Term:
| 36 months |
Estimated loss:
| 14.0% | | |
| | | |
|
|
Starting lender yield:
| 33.23% |
Starting borrower rate/APR:
| 34.23% / 36.67% |
Starting monthly payment:
| $224.01 |
| |
|
Auction yield range:
| 13.93% - 33.23% |
Estimated loss impact:
| 15.53% | | |
|
Lender servicing fee:
| 1.00% |
Estimated return:
| 17.70% | | |
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:
| Jun-1985 |
Debt/Income ratio:
| 23% |
|
Basic (1-10):
| 6 |
Inquiries last 6m:
| 4 | Employment status: | Full-time employee |
| Enhanced (1-5): | 2 |
Current / open credit lines:
| 9
/
7 | Length of status: | 17y 1m |
|
Credit score:
| 680-699 (Jul-2010) |
Total credit lines:
| 28 |
Occupation: | Computer Programmer |
|
Now delinquent:
| 0 |
Revolving credit balance:
| $40,257 | Stated income: | $50,000-$74,999 |
|
Amount delinquent:
| $0 |
Bankcard utilization:
| 89% | | |
|
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| Yes | | |
|
Delinquencies in last 7y:
| 0 | | | | |
|
Screen name:
| enticing-camaraderi9 |
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
Emergency Expenses
Purpose of loan:
This loan will be used for my emergency expenses
My financial situation:
I am a good candidate for this loan because I'm a prompt and trustworthy person??
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
466075
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
|
Amount:
| $2,500.00 |
Prosper Rating:
| C |
Auction Duration:
| 7 days
|
|
Term:
| 36 months |
Estimated loss:
| 6.5% | | |
| | | |
|
|
Starting lender yield:
| 18.90% |
Starting borrower rate/APR:
| 19.90% / 22.14% |
Starting monthly payment:
| $92.78 |
| |
|
Auction yield range:
| 7.93% - 18.90% |
Estimated loss impact:
| 6.94% | | |
|
Lender servicing fee:
| 1.00% |
Estimated return:
| 11.96% | | |
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
|
Prosper scores:
| |
First credit line:
| Oct-1994 |
Debt/Income ratio:
| 34% |
|
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 3m |
|
Credit score:
| 640-659 (Jul-2010) |
Total credit lines:
| 58 |
Occupation: | Professional |
|
Now delinquent:
| 0 |
Revolving credit balance:
| $216,148 | Stated income: | $75,000-$99,999 |
|
Amount delinquent:
| $0 |
Bankcard utilization:
| 98% | | |
|
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| No | | |
|
Delinquencies in last 7y:
| 0 | | | | |
|
Screen name:
| DMAC1 |
Borrower's state:
| Idaho |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
| Loan history | Payment history | Credit score history |
|
Active / total loans:
| 1 / 1 |
On-time:
| 29 ( 100% )
| 640-659 (Latest)
|
|
Principal borrowed:
| $4,500.00 | < 31 days late:
| 0
( 0% )
| 620-639
(Jan-2008)
600-619
(Dec-2007)
|
|
Principal balance:
| $826.63 |
31+ days late:
| 0
( 0% )
|
|
Total payments billed:
| 29 | | |
Description
Pay 2009 Real Estate Taxes
Purpose of loan:
This loan will be used to pay 2009 real estate taxes and refinance balance of existing Prosper loan.
My financial situation:
I am a good candidate for this loan because I have an impeccable credit history, long employment history,?sufficient debt/income, and have steadily been improving my credit scores.? Please acknowledge that of the $216,148 in revolving credit balances reporting, $187,043 is a home equity line of credit used to refinance my conventional home mortgage.??I did this to take advantage of the?freefalling?variable interest rates.? This is also negatively impacting my bankcard utilization rate.?
Monthly net income: $ 4623
Monthly expenses: $
??Housing: $ 650
??Insurance: $?178
??Car expenses: $ 495
??Utilities: $ 78
??Phone, cable, internet: $52
??Food, entertainment: $ 100
??Clothing, household expenses $ 0
??Credit cards and other loans: $653(includes $270/month Beneficial payment)?
??Other expenses: $
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
466089
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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:
| 10.93% |
Starting borrower rate/APR:
| 11.93% / 14.06% |
Starting monthly payment:
| $82.95 |
| |
|
Auction yield range:
| 10.93% - 10.93% |
Estimated loss impact:
| 10.23% | | |
|
Lender servicing fee:
| 1.00% |
Estimated return:
| 0.70% | | |
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-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
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 buy his truck.? I could use my line of credit at the CU, but would rather let you make the interest.? Their rate is 11.95%.? I had the cash on hand to buy it, but then we went on vacation to Florida and spend it.
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.? I plan to pay the loan back in less than 6 months.? I have a bonus paid out in Novemeber, if I haven't paid this loan in full by then.? Also the blue book on the truck is about $6000 (2002 Toyota Tundra)., so I could always sell it if I had to, to?pay the loan back.
I have a lot of revolving debt, most of which is associated with the new home furnishings and a surgery for my dog because he ate a piece of rope that blocked his intestine and needed emergency surgery.? The surgery was almost $10K once you added up the meds and x-rays.
Monthly net income: $ 7500
Monthly expenses: $
??Housing: $ 1780
??Insurance: $???
??Car expenses: $?525
??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
466095
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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:
| 26.25% |
Starting borrower rate/APR:
| 27.25% / 29.59% |
Starting monthly payment:
| $204.80 |
| |
|
Auction yield range:
| 10.93% - 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-2003 |
Debt/Income ratio:
| 10% |
|
Basic (1-10):
| 8 |
Inquiries last 6m:
| 0 | Employment status: | Full-time employee |
| Enhanced (1-5): | 5 |
Current / open credit lines:
| 7
/
7 | Length of status: | 2y 1m |
|
Credit score:
| 680-699 (Jul-2010) |
Total credit lines:
| 13 |
Occupation: | Other |
|
Now delinquent:
| 0 |
Revolving credit balance:
| $5,963 | Stated income: | $50,000-$74,999 |
|
Amount delinquent:
| $0 |
Bankcard utilization:
| 83% | | |
|
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| No | | |
|
Delinquencies in last 7y:
| 2 | | | | |
|
Screen name:
| best-truth-squadron |
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
Trying to finish last semester
Purpose of loan:
This loan will be used to pay for my last semester in school to complete?my?MS degree?in Management in Homeland Security.
My financial situation:
I am a good candidate for this loan because I stay current on all my bills, just can't afford the lump tuition sum of money this time around.
Monthly net income: $ 4800
Monthly expenses: $
??Housing: $ 1285
??Insurance: $ 80
??Car expenses: $0
??Utilities: $ 40
??Phone, cable, internet: $ 60?
??Food, entertainment: $ 100
??Clothing, household expenses $ 100
??Credit cards and other loans: $ 200
??Other expenses: $ 0
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
466099
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
|
Amount:
| $6,820.00 |
Prosper Rating:
| D |
Auction Duration:
| 7 days
|
|
Term:
| 36 months |
Estimated loss:
| 10.0% | | |
| | | |
|
|
Starting lender yield:
| 18.99% |
Starting borrower rate/APR:
| 19.99% / 22.23% |
Starting monthly payment:
| $253.42 |
| |
|
Auction yield range:
| 10.93% - 18.99% |
Estimated loss impact:
| 10.45% | | |
|
Lender servicing fee:
| 1.00% |
Estimated return:
| 8.54% | | |
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
|
Prosper scores:
| |
First credit line:
| Sep-2003 |
Debt/Income ratio:
| 24% |
|
Basic (1-10):
| 7 |
Inquiries last 6m:
| 1 | Employment status: | Full-time employee |
| Enhanced (1-5): | 4 |
Current / open credit lines:
| 7
/
6 | Length of status: | 3y 2m |
|
Credit score:
| 660-679 (Jul-2010) |
Total credit lines:
| 11 |
Occupation: | Other |
|
Now delinquent:
| 0 |
Revolving credit balance:
| $6,357 | Stated income: | $25,000-$49,999 |
|
Amount delinquent:
| $0 |
Bankcard utilization:
| 63% | | |
|
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| No | | |
|
Delinquencies in last 7y:
| 0 | | | | |
|
Screen name:
| dojo810 |
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 my credit cards
I would like to use this loan to pay off my credit cards faster. I established a higher balance than I'd like 4 years ago when I was in college. I didn't get a student loan one summer and resorted to my credit cards for a lot of my living expense/daily purchase. The balance has been hard to work down ever since.
I have recently made changes in my lifestyle to allow me to pay off my debt, but I would be able to pay it off faster if I had a lower interest rate, which is why I am considering consolidation. The interest rates on the cards that I have currently are so high, and I would feel better paying interest to actual people than another credit card company.
My credit report reflects that I make timely payments, and I have a very stable job as a graphic designer with a consistent income.
Once my debt is payed off I hope to start saving more regularly in an emergency fund, and possibly a savings account for my wedding (one day...). Thank you for your consideration!
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
466105
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
|
Amount:
| $10,000.00 |
Prosper Rating:
| HR |
Auction Duration:
| 7 days
|
|
Term:
| 36 months |
Estimated loss:
| 25.0% | | |
| | | |
|
|
Starting lender yield:
| 34.00% |
Starting borrower rate/APR:
| 35.00% / 37.45% |
Starting monthly payment:
| $452.36 |
| |
|
Auction yield range:
| 16.93% - 34.00% |
Estimated loss impact:
| 27.01% | | |
|
Lender servicing fee:
| 1.00% |
Estimated return:
| 6.99% | | |
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
|
Prosper scores:
| |
First credit line:
| May-1997 |
Debt/Income ratio:
| Self-employed (DTI Not Calculated) |
|
Basic (1-10):
| 3 |
Inquiries last 6m:
| 1 | Employment status: | Self-employed |
| Enhanced (1-5): | 3 |
Current / open credit lines:
| 3
/
3 | Length of status: | 1y 5m |
|
Credit score:
| 660-679 (Jul-2010) |
Total credit lines:
| 14 |
Occupation: | Sales - Commission |
|
Now delinquent:
| 0 |
Revolving credit balance:
| $2,863 | Stated income: | $50,000-$74,999 |
|
Amount delinquent:
| $0 |
Bankcard utilization:
| 81% | | |
|
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| No | | |
|
Delinquencies in last 7y:
| 4 | | | | |
|
Screen name:
| revenue-waterfall1 |
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
Purchasing engagement ring
Purpose of loan:
This loan will be used to purchase an engagement ring
My financial situation:
I am a good candidate for this loan because I have a consistent source of income and the only reason why my credit score is lower than expected is because I lived in south florida for 7 years and purchased a home. With most people in Miami falling into foreclosure it severely hurt my property value and I opted for a short sale.
COLLATERAL - I currently own a 2004 Lexus RX 330. I am willing to place this car up as collateral if it helps get my loan funded. It has a clean title and is worth approximately $12,500.00 at present. If you have any questions please let me know.
Monthly net income: $ 5000.00
Monthly expenses: $
??Housing: $ 1350
??Insurance: $ 282
??Car expenses: $0?I own my own 2004?Lexus?RX 330?
??Utilities: $ 300
??Phone, cable, internet: $ 400
??Food, entertainment: $ 500
??Clothing, household expenses $ 500
??Credit cards and other loans: $ 200
??Other expenses: $ 0
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
466117
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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:
| 2.93% - 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:
| Sep-1996 |
Debt/Income ratio:
| 14% |
|
Basic (1-10):
| 9 |
Inquiries last 6m:
| 1 | Employment status: | Full-time employee |
| Enhanced (1-5): | 5 |
Current / open credit lines:
| 8
/
8 | Length of status: | 10y 1m |
|
Credit score:
| 820-839 (Jul-2010) |
Total credit lines:
| 26 |
Occupation: | Computer Programmer |
|
Now delinquent:
| 0 |
Revolving credit balance:
| $476 | Stated income: | $50,000-$74,999 |
|
Amount delinquent:
| $0 |
Bankcard utilization:
| 1% | | |
|
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| Yes | | |
|
Delinquencies in last 7y:
| 0 | | | | |
|
Screen name:
| jamschmidt |
Borrower's state:
| Colorado |
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
Refinancing Debt
Purpose of loan:
I will use this loan to pay down my second mortgage?and cover closing costs for a refinance of my home.? This should allow me to shave at least 1% off the rate on my first mortgage and more than 3% off my second mortgage freeing up over $500 per month that can be used to pay down this loan.? The lower interest rate on my mortgage ($240,000) will greatly enhance my financial flexibility.
My financial situation:
I have never had a late or missed?payment on any debt.? I also have no other unsecured debt, except monthly living expenses that I pay off in full every month.? I have also been a lender on Prosper.com for several years now and wish to become more familiar with the process from the perspective of the borrower.
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
466135
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
|
Amount:
| $4,750.00 |
Prosper Rating:
| D |
Auction Duration:
| 7 days
|
|
Term:
| 36 months |
Estimated loss:
| 10.0% | | |
| | | |
|
|
Starting lender yield:
| 13.99% |
Starting borrower rate/APR:
| 14.99% / 17.16% |
Starting monthly payment:
| $164.64 |
| |
|
Auction yield range:
| 10.93% - 13.99% |
Estimated loss impact:
| 10.31% | | |
|
Lender servicing fee:
| 1.00% |
Estimated return:
| 3.68% | | |
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
|
Prosper scores:
| |
First credit line:
| Sep-2003 |
Debt/Income ratio:
| 45% |
|
Basic (1-10):
| 7 |
Inquiries last 6m:
| 2 | Employment status: | Full-time employee |
| Enhanced (1-5): | 3 |
Current / open credit lines:
| 11
/
11 | Length of status: | 0y 5m |
|
Credit score:
| 660-679 (Jul-2010) |
Total credit lines:
| 14 |
Occupation: | Analyst |
|
Now delinquent:
| 0 |
Revolving credit balance:
| $8,650 | Stated income: | $25,000-$49,999 |
|
Amount delinquent:
| $0 |
Bankcard utilization:
| 59% | | |
|
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| No | | |
|
Delinquencies in last 7y:
| 0 | | | | |
|
Screen name:
| auction-rotation5 |
Borrower's state:
| Nevada |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Description
Paying off Credit Cards
Purpose of loan:
This loan will be used to pay off my credit card debt. I cannot get the interest rates lowered on my current cards after asking almost every month. I have not used the cards in over a year but the interest rate is just too high for me to really be able to make a significant payment.
My financial situation:
I am a good candidate for this loan because I have a very secure full-time job. In addition to my yearly salary, I also receive bonuses based on performance. These?bonuses will be used to pay back any loan I receive. I also work a few days a week to bring in extra money.
Monthly net income: $ 2,300 (estimate after taxes)
Monthly expenses: $?
??Housing: $?Fiance takes care of this
??Insurance: $?60.00
??Car expenses: $?492.16
??Utilities: $?Fiance takes care of this
??Phone, cable, internet: $?Fiance takes care of this
? Food, entertainment: $?Fiance takes care of this
??Clothing, household expenses $ Fiance takes care of this
??Credit cards and other loans: $ Credit Card?- $215.00 (pay more than minimum) School Loans $450.00
??Other expenses: $ N/A
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
466141
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
|
Amount:
| $15,000.00 |
Prosper Rating:
| HR |
Auction Duration:
| 7 days
|
|
Term:
| 36 months |
Estimated loss:
| 18.0% | | |
| | | |
|
|
Starting lender yield:
| 34.00% |
Starting borrower rate/APR:
| 35.00% / 37.45% |
Starting monthly payment:
| $678.54 |
| |
|
Auction yield range:
| 16.93% - 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-1990 |
Debt/Income ratio:
| 37% |
|
Basic (1-10):
| 3 |
Inquiries last 6m:
| 2 | Employment status: | Full-time employee |
| Enhanced (1-5): | 3 |
Current / open credit lines:
| 7
/
6 | Length of status: | 15y 8m |
|
Credit score:
| 700-719 (Jul-2010) |
Total credit lines:
| 27 |
Occupation: | Executive |
|
Now delinquent:
| 0 |
Revolving credit balance:
| $3,893 | Stated income: | $25,000-$49,999 |
|
Amount delinquent:
| $0 |
Bankcard utilization:
| 70% | | |
|
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| No | | |
|
Delinquencies in last 7y:
| 7 | | | | |
|
Screen name:
| worldly-integrity0 |
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
Kalimbadreams
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
466149
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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:
| 8.20% |
Starting borrower rate/APR:
| 9.20% / 11.30% |
Starting monthly payment:
| $95.68 |
| |
|
Auction yield range:
| 3.93% - 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:
| Feb-2002 |
Debt/Income ratio:
| 7% |
|
Basic (1-10):
| 9 |
Inquiries last 6m:
| 2 | Employment status: | Full-time employee |
| Enhanced (1-5): | 5 |
Current / open credit lines:
| 6
/
5 | Length of status: | 5y 2m |
|
Credit score:
| 780-799 (Jul-2010) |
Total credit lines:
| 10 |
Occupation: | Truck Driver |
|
Now delinquent:
| 0 |
Revolving credit balance:
| $9,558 | Stated income: | $25,000-$49,999 |
|
Amount delinquent:
| $0 |
Bankcard utilization:
| 50% | | |
|
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| Yes | | |
|
Delinquencies in last 7y:
| 0 | | | | |
|
Screen name:
| organic-dollar3 |
Borrower's state:
| Connecticut |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Description
My wife's unpaid maternity leave
Purpose of loan:
This loan will be used to:
Help us meet our monthly expenses in our usual excellent manner.? My wife, who works full time, does not get paid maternity leave and would like to be out of work for three months after our baby is born.
My financial situation:
I am a good candidate for this loan because?
My wife and I ALWAYS pay our bills on time and take our financial responsibilities very seriously.
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
466161
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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:
| 34.5% | | |
| | | |
|
|
Starting lender yield:
| 34.00% |
Starting borrower rate/APR:
| 35.00% / 37.45% |
Starting monthly payment:
| $542.83 |
| |
|
Auction yield range:
| 16.93% - 34.00% |
Estimated loss impact:
| 36.51% | | |
|
Lender servicing fee:
| 1.00% |
Estimated return:
| -2.51% | | |
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
|
Prosper scores:
| |
First credit line:
| Mar-1993 |
Debt/Income ratio:
| Not calculated |
|
Basic (1-10):
| 1 |
Inquiries last 6m:
| 0 | Employment status: | Full-time employee |
| Enhanced (1-5): | 5 |
Current / open credit lines:
| 6
/
6 | Length of status: | 7y 6m |
|
Credit score:
| 640-659 (Jul-2010) |
Total credit lines:
| 25 |
Occupation: | Tradesman - Mechani... |
|
Now delinquent:
| 1 |
Revolving credit balance:
| $7,085 | Stated income: | $25,000-$49,999 |
|
Amount delinquent:
| $97 |
Bankcard utilization:
| 89% | | |
|
Public records last 12m / 10y:
| 0/ 1 |
Homeownership:
| Yes | | |
|
Delinquencies in last 7y:
| 0 | | | | |
|
Screen name:
| GoFast |
Borrower's state:
| Kentucky |
Borrower's group:
| PsychDoc's Group |
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
| Loan history | Payment history | Credit score history |
|
Active / total loans:
| 0 / 1 |
On-time:
| 34 ( 94% )
| 640-659 (Latest)
|
|
Principal borrowed:
| $7,000.00 | < 31 days late:
| 1
( 3% )
| 740-759
(Aug-2008)
720-739
(May-2007)
|
|
Principal balance:
| $0.00 |
31+ days late:
| 1
( 3% )
|
|
Total payments billed:
| 36 | | |
Description
Operating Capital......
Purpose of loan:
As all of us in business know and understand?. ?It takes money to make money? . Over the course of the last 18 months since officially going into business for myself I have attempted to make money without having money. Money in the sense of ?operating capital?. Over the last few years I have been able to manipulate what funds I had available and moneys owed from accounts receivable have covered for the most part the small expenses. However now the problem is after a year and a half my a/r has grown to the point where I am using the overdraft and what funds I receive immediately from finished jobs to cover the parts purchases for the next job. Subsequently I am working from job to job and relying on monies not yet received for parts purchases and everyday expenses. Needless to say I am getting eaten alive by bank service charges and interest expense as a result of this kind of accounting. What I need is to have my account satisfied with an operating capital reserve so that I don?t have to worry about when the next check will arrive for service work already performed. I use quick-books accounting software and keep careful records, I always pay my creditors first and myself last and if need be I don?t get paid. So in conclusion I need to have a healthy sum of funds in my business account to compensate for the lag in my accounts receivable so I can continue to conduct business on a regular basis and be more profitable.
My financial situation:
I am a good candidate for this loan because I always repay my obligations, and attempt to be as timely and as forthright as possible.
Monthly net income: $?4500 - 8500?
Monthly expenses: $
??Housing: $ 1200.
??Insurance: $ 100
??Car expenses: $ 1000
??Utilities: $ 100
??Phone, cable, internet: $ 100?
??Food, entertainment: $ 200?
??Clothing, household expenses $ 100?
??Credit cards and other loans: $ 500
??Other expenses: $
My financial situation:
I am a good candidate for this loan because I always repay my obligations, and attempt to be as timely and as forthright as possible.
Monthly net income: $?4500 - 8500?
Monthly expenses: $
??Housing: $ 1200.
??Insurance: $ 100
??Car expenses: $ 1000
??Utilities: $ 100
??Phone, cable, internet: $ 100?
??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
466165
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
|
Amount:
| $10,000.00 |
Prosper Rating:
| HR |
Auction Duration:
| 7 days
|
|
Term:
| 36 months |
Estimated loss:
| 18.0% | | |
| | | |
|
|
Starting lender yield:
| 24.00% |
Starting borrower rate/APR:
| 25.00% / 27.31% |
Starting monthly payment:
| $397.60 |
| |
|
Auction yield range:
| 16.93% - 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:
| Sep-1996 |
Debt/Income ratio:
| 43% |
|
Basic (1-10):
| 4 |
Inquiries last 6m:
| 2 | Employment status: | Full-time employee |
| Enhanced (1-5): | 2 |
Current / open credit lines:
| 20
/
14 | Length of status: | 1y 10m |
|
Credit score:
| 660-679 (Jul-2010) |
Total credit lines:
| 38 |
Occupation: | Retail Management |
|
Now delinquent:
| 0 |
Revolving credit balance:
| $22,483 | Stated income: | $25,000-$49,999 |
|
Amount delinquent:
| $0 |
Bankcard utilization:
| 65% | | |
|
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| Yes | | |
|
Delinquencies in last 7y:
| 0 | | | | |
|
Screen name:
| loan-fir2 |
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
Debt Consolidation
Purpose of loan:
This loan will be used to consolidate high interest credit cards/lines of credit
My financial situation:
I am a good candidate for this loan because I am not struggling with debt to income ratio, and have dramatically improved my credit.
Monthly net income: $ 2400
Monthly expenses: $ 1100
??Housing: $ 230
??Insurance: $ 60
??Car expenses: $ 280
??Utilities: $?150
??Phone, cable, internet: $ 50
??Food, entertainment: $ 100
??Clothing, household expenses $ 0
??Credit cards and other loans: $ 400
??Other expenses: $
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
466171
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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:
| 8.20% |
Starting borrower rate/APR:
| 9.20% / 11.30% |
Starting monthly payment:
| $95.68 |
| |
|
Auction yield range:
| 3.93% - 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:
| Feb-1992 |
Debt/Income ratio:
| Self-employed (DTI Not Calculated) |
|
Basic (1-10):
| 9 |
Inquiries last 6m:
| 0 | Employment status: | Self-employed |
| Enhanced (1-5): | 4 |
Current / open credit lines:
| 10
/
8 | Length of status: | 1y 9m |
|
Credit score:
| 780-799 (Jul-2010) |
Total credit lines:
| 52 |
Occupation: | Attorney |
|
Now delinquent:
| 0 |
Revolving credit balance:
| $3,231 | Stated income: | $75,000-$99,999 |
|
Amount delinquent:
| $0 |
Bankcard utilization:
| 4% | | |
|
Public records last 12m / 10y:
| 0/ 1 |
Homeownership:
| Yes | | |
|
Delinquencies in last 7y:
| 9 | | | | |
|
Screen name:
| newaptsobe1 |
Borrower's state:
| Florida |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
| Loan history | Payment history | Credit score history |
|
Active / total loans:
| 1 / 1 |
On-time:
| 29 ( 100% )
| 780-799 (Latest)
|
|
Principal borrowed:
| $3,000.00 | < 31 days late:
| 0
( 0% )
| 760-779
(Dec-2009)
760-779
(Jul-2009)
720-739
(Jan-2008)
|
|
Principal balance:
| $658.57 |
31+ days late:
| 0
( 0% )
|
|
Total payments billed:
| 29 | | |
Description
Loan to expand law practice
Purpose of loan:
This loan will be used to expand my law practice.? I currently operate a small practice in Hialeah Florida from a small two-story office condo near Palmetto Hospital. I have an opportunity to expand into larger space in?a new building that is being built out in Doral Florida.? Part of the funds will be used to purchase a large, high speed copier. My practice focuses on foreclosure defense and bankruptcy.? In less than 24 months, revenues have grown from $0 to $30,000 per month and a staff of ten (including part time employees).? ?
My financial situation:
I am a good candidate for this loan because I have low debt and a steady client base.? Half of my firm's income comes from clients paying monthly fees.? We advertise each month, producing four to six new clients that are on monthly payment plans.? Additionally, bankruptcy is a growing part of the practice.? I also earn $1,000 to $2,000 per month as a tax preparer.? I have been licensed as an attorney since 2004 and as a CPA since 1998.
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
466173
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
|
Amount:
| $1,000.00 |
Prosper Rating:
| C |
Auction Duration:
| 7 days
|
|
Term:
| 36 months |
Estimated loss:
| 6.5% | | |
| | | |
|
|
Starting lender yield:
| 18.90% |
Starting borrower rate/APR:
| 19.90% / 23.68% |
Starting monthly payment:
| $37.11 |
| |
|
Auction yield range:
| 7.93% - 18.90% |
Estimated loss impact:
| 6.94% | | |
|
Lender servicing fee:
| 1.00% |
Estimated return:
| 11.96% | | |
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
|
Prosper scores:
| |
First credit line:
| Jul-1993 |
Debt/Income ratio:
| 26% |
|
Basic (1-10):
| 10 |
Inquiries last 6m:
| 0 | Employment status: | Full-time employee |
| Enhanced (1-5): | 4 |
Current / open credit lines:
| 14
/
11 | Length of status: | 3y 9m |
|
Credit score:
| 640-659 (Jul-2010) |
Total credit lines:
| 40 |
Occupation: | Analyst |
|
Now delinquent:
| 1 |
Revolving credit balance:
| $34,465 | Stated income: | $75,000-$99,999 |
|
Amount delinquent:
| $3,364 |
Bankcard utilization:
| 70% | | |
|
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| Yes | | |
|
Delinquencies in last 7y:
| 0 | | | | |
|
Screen name:
| important-commitment896 |
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 loan
Purpose of loan:
This loan will be used to pay off funeral?debt
My financial situation:
I am a good candidate for this loan because I have a steady income and job
Monthly net income: $ 6000.00
Monthly expenses: $
??Housing: $ 965.00
??Insurance: $
??Car expenses: $?660
??Utilities: $ 150
??Phone, cable, internet: $ 350
??Food, entertainment: $ 450
??Clothing, household expenses $
??Credit cards and other loans: $ 2400.00
??Other expenses: $ 350
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
466177
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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:
| 27.33% |
Starting borrower rate/APR:
| 28.33% / 30.68% |
Starting monthly payment:
| $415.42 |
| |
|
Auction yield range:
| 10.93% - 27.33% |
Estimated loss impact:
| 10.68% | | |
|
Lender servicing fee:
| 1.00% |
Estimated return:
| 16.65% | | |
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
|
Prosper scores:
| |
First credit line:
| Nov-1993 |
Debt/Income ratio:
| 32% |
|
Basic (1-10):
| 7 |
Inquiries last 6m:
| 3 | Employment status: | Full-time employee |
| Enhanced (1-5): | 2 |
Current / open credit lines:
| 22
/
20 | Length of status: | 1y 11m |
|
Credit score:
| 700-719 (Jul-2010) |
Total credit lines:
| 59 |
Occupation: | Professional |
|
Now delinquent:
| 0 |
Revolving credit balance:
| $79,568 | Stated income: | $100,000+ |
|
Amount delinquent:
| $0 |
Bankcard utilization:
| 86% | | |
|
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| Yes | | |
|
Delinquencies in last 7y:
| 0 | | | | |
|
Screen name:
| dan1975 |
Borrower's state:
| Colorado |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
| Loan history | Payment history | Credit score history |
|
Active / total loans:
| 0 / 1 |
On-time:
| 35 ( 100% )
| 700-719 (Latest)
|
|
Principal borrowed:
| $20,000.00 | < 31 days late:
| 0
( 0% )
| 720-739
(May-2010)
760-779
(Oct-2008)
800-819
(Mar-2007)
800-819
(Feb-2007)
|
|
Principal balance:
| $0.00 |
31+ days late:
| 0
( 0% )
|
|
Total payments billed:
| 35 | | |
Description
Help with home improvement
First?thanks everyone for your support on my prior Prosper loan of $20,000 which was paid off in the full three years.
Purpose of loan:
This loan will be used to help us with home improvements. We are looking to finish our basement and need additional funds to do so above what we have regularly available.
My financial situation:
I am a good candidate for this loan because I?pay my bills on my time, have had prior excellent experience with Prosper (paid off loan earlier this year) and?have a good stable income and employment?history. ?
Monthly net income: $ 11,000/month (8,800 full time work + 2,200 teaching). Note this does not include any bonuses that I may receive.
Monthly expenses: $
??Housing: $ 2500
??Insurance: $ 100
??Car expenses: $?0 (paid off)
??Utilities: $ 200
??Phone, cable, internet: $ 100
??Food, entertainment: $ 200
??Clothing, household expenses $ 200
??Credit cards and other loans: $ 1200
??Other expenses: $ 200
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
466191
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
|
Amount:
| $4,750.00 |
Prosper Rating:
| A |
Auction Duration:
| 7 days
|
|
Term:
| 36 months |
Estimated loss:
| 2.1% | | |
| | | |
|
|
Starting lender yield:
| 8.28% |
Starting borrower rate/APR:
| 9.28% / 11.38% |
Starting monthly payment:
| $151.67 |
| |
|
Auction yield range:
| 3.93% - 8.28% |
Estimated loss impact:
| 2.12% | | |
|
Lender servicing fee:
| 1.00% |
Estimated return:
| 6.16% | | |
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
|
Prosper scores:
| |
First credit line:
| Sep-1996 |
Debt/Income ratio:
| 20% |
|
Basic (1-10):
| 9 |
Inquiries last 6m:
| 1 | Employment status: | Full-time employee |
| Enhanced (1-5): | 3 |
Current / open credit lines:
| 22
/
18 | Length of status: | 3y 1m |
|
Credit score:
| 760-779 (Jun-2010) |
Total credit lines:
| 43 |
Occupation: | Nurse (RN) |
|
Now delinquent:
| 0 |
Revolving credit balance:
| $5,247 | Stated income: | $50,000-$74,999 |
|
Amount delinquent:
| $0 |
Bankcard utilization:
| 19% | | |
|
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| No | | |
|
Delinquencies in last 7y:
| 6 | | | | |
|
Screen name:
| adventurous-nickel |
Borrower's state:
| Tennessee |
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
Taking Care of Family Business
I have provided the following information due to speaking with 2 insightful individuals. Thanks so much. I need to have several home repairs done to decrease costs and make our house feel like a home. We are living in cramped quarters, and my husband had the house when we met.?Remodeling is cheaper for us than buying a new home, and we love our neighborhood. ?I plan to pay off one account with the loan as well. There are several questions that need to be answered: I had 18 open accounts due to having student loans. 2 of those loans have been paid in full since I became a prosper member. My plan is to have those paid off in 36 months.The 6 delinquent accounts were prior to the completion of my degree, and I was simply late making the payments due to limited income. My average income was $9000-$12000 per year, and that is no longer a?problem. ?It appears as though I have a lot of credit available to me, but that is not the case. Many are department store specific. I try not to use them regularly due to the APRs. I only use them when no interest deals are offered for a specific time frame, and only use approximately 20% of what is available on most accounts?so that I?am always able to pay them off or make regular payments.?The prosper rating originally given to me was a C due to the amount I asked to borrow, and I simply manipulated the amount needed to receive a lower interest rate. When the listing was completed, the new prosper rating assigned to me was an A. You see a TOTAL balance due of $5247, and that total is now $3240. This amount is from various accounts not one single account. I paid off wedding expenses incurred, assisted my husband with all household bills until he could get a handle on outstanding accounts, I had a vehicle which cost more to?repair than it was worth, bought a water heater and heating pump for our home and the rest goes for food, childcare, gas,?activities for the children?and entertainment. I hope that this information brings clarity to any questions that you may have. If you have additional questions post them and I will answer as promptly as possible. Have? a great day and thanks for viewing my listing.
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
466197
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
|
Amount:
| $1,000.00 |
Prosper Rating:
| C |
Auction Duration:
| 7 days
|
|
Term:
| 36 months |
Estimated loss:
| 6.5% | | |
| | | |
|
|
Starting lender yield:
| 19.01% |
Starting borrower rate/APR:
| 20.01% / 23.79% |
Starting monthly payment:
| $37.17 |
| |
|
Auction yield range:
| 7.93% - 19.01% |
Estimated loss impact:
| 6.94% | | |
|
Lender servicing fee:
| 1.00% |
Estimated return:
| 12.07% | | |
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
|
Prosper scores:
| |
First credit line:
| Jul-1995 |
Debt/Income ratio:
| 37% |
|
Basic (1-10):
| 9 |
Inquiries last 6m:
| 3 | Employment status: | Full-time employee |
| Enhanced (1-5): | 2 |
Current / open credit lines:
| 14
/
11 | Length of status: | 3y 2m |
|
Credit score:
| 660-679 (Jul-2010) |
Total credit lines:
| 35 |
Occupation: | Administrative Assi... |
|
Now delinquent:
| 0 |
Revolving credit balance:
| $14,473 | Stated income: | $25,000-$49,999 |
|
Amount delinquent:
| $0 |
Bankcard utilization:
| 80% | | |
|
Public records last 12m / 10y:
| 0/ 1 |
Homeownership:
| Yes | | |
|
Delinquencies in last 7y:
| 0 | | | | |
|
Screen name:
| creative-social0 |
Borrower's state:
| Texas |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Description
My Debt Snowball is Rolling ;)
Purpose of loan:
This loan will be used to a pay down a high interest rate credit card.? I would rather give you the interest income than Chase Bank!!!!!
My financial situation:
I am a good candidate for this loan because I am a stable person with a strong work ethic who works full time during the day and studies at the university at night.? I will graduate in May 2011 with my bachelors degree at age 48!?
Monthly net income: $
3600
Monthly expenses: $
3600
??Housing: $
1000
??Insurance: $
0
??Car expenses: $
0 - I work within walking distance to my home.
??Utilities: $
200
??Phone, cable, internet: $
50
??Food, entertainment: $
200
??Clothing, household expenses $
150
??Credit cards and other loans: $
1000? ($700 goes to the minimum payments on the debt and I use the rest to pay off debt using the snowball method.)
??Other expenses: $?
- 1000 - Daughter is a senior away at college.? I pay her rent and give her assistance.? This expense will end May 2011. She works to pay her tuition bill.
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
466203
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
|
Amount:
| $5,500.00 |
Prosper Rating:
| HR |
Auction Duration:
| 7 days
|
|
Term:
| 36 months |
Estimated loss:
| 18.0% | | |
| | | |
|
|
Starting lender yield:
| 34.00% |
Starting borrower rate/APR:
| 35.00% / 37.45% |
Starting monthly payment:
| $248.80 |
| |
|
Auction yield range:
| 16.93% - 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-1992 |
Debt/Income ratio:
| Not calculated |
|
Basic (1-10):
| 5 |
Inquiries last 6m:
| 1 | Employment status: | Full-time employee |
| Enhanced (1-5): | 4 |
Current / open credit lines:
| 11
/
11 | Length of status: | 6y 5m |
|
Credit score:
| 640-659 (Jul-2010) |
Total credit lines:
| 15 |
Occupation: | Food Service |
|
Now delinquent:
| 0 |
Revolving credit balance:
| $14,801 | Stated income: | $25,000-$49,999 |
|
Amount delinquent:
| $0 |
Bankcard utilization:
| 89% | | |
|
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| No | | |
|
Delinquencies in last 7y:
| 0 | | | | |
|
Screen name:
| scrappy-commerce |
Borrower's state:
| NewYork |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Description
Debt Consolidation/Dental Work
Purpose of loan: Dental work and debt consolidation
This loan will be used to?? this loan will be used to pay for much needed emergency dental work and to pay off four small credit card debts
My financial situation: Is improving
I am a good candidate for this loan because? I am never late on my monthly bills and can handle the requested monthy payment for this loan. I am in the process of growing a small business which is already generating income.
Monthly net income: $ 3400.00
Monthly expenses: $
??Housing: $?700
??Insurance: $ 180
??Car expenses: $ 200
??Utilities: $ 0
??Phone, cable, internet: $ 75
??Food, entertainment: $ 200
??Clothing, household expenses $ 0
??Credit cards and other loans: $ 800
??Other expenses: $ 0
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
466221
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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:
| A |
Auction Duration:
| 7 days
|
|
Term:
| 36 months |
Estimated loss:
| 2.1% | | |
| | | |
|
|
Starting lender yield:
| 8.20% |
Starting borrower rate/APR:
| 9.20% / 12.14% |
Starting monthly payment:
| $38.27 |
| |
|
Auction yield range:
| 3.93% - 8.20% |
Estimated loss impact:
| 2.12% | | |
|
Lender servicing fee:
| 1.00% |
Estimated return:
| 6.08% | | |
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
|
Prosper scores:
| |
First credit line:
| Apr-1994 |
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:
| 9
/
7 | Length of status: | 1y 9m |
|
Credit score:
| 740-759 (Jul-2010) |
Total credit lines:
| 19 |
Occupation: | Executive |
|
Now delinquent:
| 0 |
Revolving credit balance:
| $626 | Stated income: | $50,000-$74,999 |
|
Amount delinquent:
| $0 |
Bankcard utilization:
| 23% | | |
|
Public records last 12m / 10y:
| 0/ 1 |
Homeownership:
| No | | |
|
Delinquencies in last 7y:
| 0 | | | | |
|
Screen name:
| green-youthful-credit |
Borrower's state:
| WestVirginia |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Description
Finish Patio
Purpose of loan:
This loan will be used to? finish a patio that is under construction.? It is a 30 x 30 patio that is over the two car garage taht we have recently renovated but need extra money for the new handrails.
My financial situation:
I am a good candidate for this loan because? I have a good history of making payments on time and a low debt to income ratio.
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
466227
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
|
Amount:
| $1,000.00 |
Prosper Rating:
| C |
Auction Duration:
| 7 days
|
|
Term:
| 36 months |
Estimated loss:
| 6.5% | | |
| | | |
|
|
Starting lender yield:
| 17.00% |
Starting borrower rate/APR:
| 18.00% / 21.74% |
Starting monthly payment:
| $36.15 |
| |
|
Auction yield range:
| 7.93% - 17.00% |
Estimated loss impact:
| 6.89% | | |
|
Lender servicing fee:
| 1.00% |
Estimated return:
| 10.11% | | |
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments 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-1969 |
Debt/Income ratio:
| 21% |
|
Basic (1-10):
| 10 |
Inquiries last 6m:
| 0 | Employment status: | Full-time employee |
| Enhanced (1-5): | 4 |
Current / open credit lines:
| 18
/
17 | Length of status: | 8y 10m |
|
Credit score:
| 680-699 (Jul-2010) |
Total credit lines:
| 36 |
Occupation: | Professional |
|
Now delinquent:
| 0 |
Revolving credit balance:
| $82,410 | 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:
| pound-pear |
Borrower's state:
| Illinois |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Description
Debt Consolidation
Purpose of loan:
This loan will be used to establish myself as a reliable Prosper borrower.? I have requested higher loan amounts in previous listings, but I feel that since I have lowered the amount I am requesting on this loan to the minimum $1000, investors will be more confident in funding this listing.? I am trying to eliminate higher rate credit card balances by consilidating debt to lower balances.
My financial situation:
I am a good candidate for this loan because I have payed all of my bills on time. My credit score is in the upper 600s and I have been with the same employer for almost 9 years.? My goal is to pay off any loan I would get as soon as possible.
Monthly net income: $ 6300
Monthly expenses: $
??Housing: $?4328
??Insurance: $?372
??Car expenses: $ 0
??Utilities: $?220
??Phone, cable, internet: $?148
??Food, entertainment: $?101
??Clothing, household expenses $
??Credit cards and other loans: $ 952
??Other expenses: $
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
466239
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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:
| B |
Auction Duration:
| 7 days
|
|
Term:
| 36 months |
Estimated loss:
| 5.0% | | |
| | | |
|
|
Starting lender yield:
| 8.00% |
Starting borrower rate/APR:
| 9.00% / 11.09% |
Starting monthly payment:
| $254.40 |
| |
|
Auction yield range:
| 5.93% - 8.00% |
Estimated loss impact:
| 5.12% | | |
|
Lender servicing fee:
| 1.00% |
Estimated return:
| 2.88% | | |
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:
| Jan-2005 |
Debt/Income ratio:
| 32% |
|
Basic (1-10):
| 8 |
Inquiries last 6m:
| 1 | Employment status: | Full-time employee |
| Enhanced (1-5): | 4 |
Current / open credit lines:
| 12
/
11 | Length of status: | 6y 0m |
|
Credit score:
| 760-779 (Jul-2010) |
Total credit lines:
| 16 |
Occupation: | Other |
|
Now delinquent:
| 0 |
Revolving credit balance:
| $4,081 | Stated income: | $25,000-$49,999 |
|
Amount delinquent:
| $0 |
Bankcard utilization:
| 16% | | |
|
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| No | | |
|
Delinquencies in last 7y:
| 0 | | | | |
|
Screen name:
| joyous-income6 |
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
BUY A HOUSE IN CASH
Purpose of loan:
This loan will be used to?
BUY A HOUSE
My financial situation:
I am a good candidate for this loan because?
I HAVE VERY GOOD WORK, RESPONSABLE AND GOOD CREDIT HISTORY
Monthly net income: $
4,000.00
Monthly expenses: $
??Housing: $ 500
??Insurance: $ 100
??Car expenses: $?370?
??Utilities: $ 100
??Phone, cable, internet: $? 100
??Food, entertainment: $? 150
lothing, household expenses $
??Credit cards and other loans: $ 200
ther expenses: $ 100
Information in the Description is not verified.