Listing Report:Supplement No. 15 dated Aug 10, 2010 to Prospectus dated Jul 26, 2010File 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 26, 2010 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 26, 2010 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
417965
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount:
| $15,000.00 |
Prosper Rating:
| D |
Auction Duration:
| 7 days
|
Term:
| 36 months |
Estimated loss:
| 9.8% | | |
| | |
|
Starting lender yield:
| 10.89% |
Starting borrower rate/APR:
| 11.89% / 15.12% |
Starting monthly payment:
| $497.43 |
|
Auction yield range:
| 10.89% - 10.89% |
Estimated loss impact:
| 10.03% | | |
Lender servicing fee:
| 1.00% |
Estimated return:
| 0.86% | | |
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10):
| 6 |
First credit line:
| Jan-2000 |
Debt/Income ratio:
| 17% |
Credit score:
| 720-739 (Aug-2010) |
Inquiries last 6m:
| 1 | Employment status: | Employed |
Now delinquent:
| 0 |
Current / open credit lines:
| 6
/
6 | Length of status: | 3y 1m |
Amount delinquent:
| $0 |
Total credit lines:
| 19 |
Occupation: | Professional |
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $1,800 | Stated income: | $50,000-$74,999 |
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 37% | | |
| |
Homeownership:
| Yes | | |
Screen name:
| Mastercard |
Borrower's state:
| Florida |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan history | Payment history | Credit score history |
Active / total loans:
| 0 / 1 |
On-time:
| 8 ( 100% )
| 720-739 (Latest)
|
Principal borrowed:
| $1,000.00 | < 31 days late:
| 0
( 0% )
| 640-659
(Jul-2008)
620-639
(Apr-2008)
520-539
(May-2007)
|
Principal balance:
| $0.02 |
31+ days late:
| 0
( 0% )
|
Total payments billed:
| 8 | | |
Description
Loan to buy 4th property
First of all let me thank you for taking the time to look at my listing.
Purpose of loan:
The sole purpose of this loan is to combine my savings and the proceeds of this loan to fund the purchase of my 4th property. This new property would be rented at $650 per month once acquired.
My financial situation:
Primary Residence (still paying the mortgage)
Rental Property (paid in full)- rented at $750/ month with a 2 year lease
20 Acre Farm (paid in full)- crops due in December
I work at least 10 hours of overtime per week @ $38/ hour.
Paying this loan off will not be hard as I have more than enough money left over to cover it. There will be no late payments. Monthly net income: ~$5,800Monthly expenses: ~$1,571
? Housing 1: $800.00
? HOA (total of 2 houses): 273
? Insurance: $43.00
? Car expenses: $310
? Utilities: $30
? Phone, cable, internet: $25
? Food, entertainment: $50
? Clothing, household expenses $25
? Credit cards and other loans: $15
? Other expenses: $0 Should you have any questions, please do not hesitate to contact me. Thanks again.
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
443989
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount:
| $4,000.00 |
Prosper Rating:
| E |
Auction Duration:
| 7 days
|
Term:
| 36 months |
Estimated loss:
| 14.2% | | |
| | |
|
Starting lender yield:
| 33.35% |
Starting borrower rate/APR:
| 34.35% / 38.06% |
Starting monthly payment:
| $179.48 |
|
Auction yield range:
| 13.89% - 33.35% |
Estimated loss impact:
| 15.74% | | |
Lender servicing fee:
| 1.00% |
Estimated return:
| 17.61% | | |
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10):
| 5 |
First credit line:
| Dec-1999 |
Debt/Income ratio:
| 27% |
Credit score:
| 680-699 (Aug-2010) |
Inquiries last 6m:
| 0 | Employment status: | Employed |
Now delinquent:
| 0 |
Current / open credit lines:
| 2
/
1 | Length of status: | 2y 8m |
Amount delinquent:
| $0 |
Total credit lines:
| 4 |
Occupation: | Other |
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $1,014 | Stated income: | $1-$24,999 |
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 67% | | |
| |
Homeownership:
| No | | |
Screen name:
| 3WoodenWives |
Borrower's state:
| Ohio |
Borrower's group:
| AA-C Rated Borrowers |
Credit and homeownership information was obtained 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:
| 36 ( 100% )
| 680-699 (Latest)
|
Principal borrowed:
| $2,500.00 | < 31 days late:
| 0
( 0% )
| 680-699
(Jul-2007)
|
Principal balance:
| $0.02 |
31+ days late:
| 0
( 0% )
|
Total payments billed:
| 36 | | |
Description
Help me get up and out!
I?m looking to consolidate what little debt I have and put the rest toward upcoming medical expenses and my future education (I want to pursue a major in humanities and a minor in environmental science at the University of Toledo).? I have big plans and high hopes for myself, but feel as though I have boxed myself in too tightly to break out, and life has its way of throwing its own left hooks at you.? This loan, though relatively modest, will be a great stepping stone to advancing beyond my monotonous, claustrophobic life.? Any help is greatly appreciated.
With my last prosper loan, I made every payment on time, and in general I keep my expenses to a minimum, so I foresee no problem paying off this one.
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
468061
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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:
| 24.0% | | |
| | |
|
Starting lender yield:
| 34.00% |
Starting borrower rate/APR:
| 35.00% / 38.72% |
Starting monthly payment:
| $158.33 |
|
Auction yield range:
| 16.89% - 34.00% |
Estimated loss impact:
| 26.01% | | |
Lender servicing fee:
| 1.00% |
Estimated return:
| 7.99% | | |
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 score (1-10):
| 3 |
First credit line:
| Apr-2006 |
Debt/Income ratio:
| 13% |
Credit score:
| 640-659 (Jul-2010) |
Inquiries last 6m:
| 2 | Employment status: | Employed |
Now delinquent:
| 2 |
Current / open credit lines:
| 5
/
5 | Length of status: | 0y 6m |
Amount delinquent:
| $841 |
Total credit lines:
| 10 |
Occupation: | Police Officer/Corr... |
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $405 | Stated income: | $25,000-$49,999 |
Delinquencies in last 7y:
| 3 |
Bankcard utilization:
| 81% | | |
| |
Homeownership:
| No | | |
Screen name:
| truth-mammal |
Borrower's state:
| Mississippi |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Description
My personal loan
Purpose of loan:
This loan will be used to paying for school tution, books, and housing.
My financial situation:
I am a good candidate for this loan because I am Federal Employee with good benefits, no children, no rent, and minor bills.
Monthly net income: $ 1100
Monthly expenses: $
??Housing: $ 0
??Insurance: $ 50.00
??Car expenses: $ 0
??Utilities: $ 50.00
??Phone, cable, internet: $ 100.00
??Food, entertainment: $ 0.00
??Clothing, household expenses $ 25.00
??Credit cards and other loans: $ 100.00
??Other expenses: $ 0
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
469107
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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:
| AA |
Auction Duration:
| 7 days
|
Term:
| 36 months |
Estimated loss:
| 1.6% | | |
| | |
|
Starting lender yield:
| 8.75% |
Starting borrower rate/APR:
| 9.75% / 10.09% |
Starting monthly payment:
| $803.75 |
|
Auction yield range:
| 2.89% - 8.75% |
Estimated loss impact:
| 1.56% | | |
Lender servicing fee:
| 1.00% |
Estimated return:
| 7.19% | | |
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10):
| 10 |
First credit line:
| Mar-1995 |
Debt/Income ratio:
| 11% |
Credit score:
| 820-839 (Jul-2010) |
Inquiries last 6m:
| 0 | Employment status: | Employed |
Now delinquent:
| 0 |
Current / open credit lines:
| 9
/
8 | Length of status: | 21y 7m |
Amount delinquent:
| $0 |
Total credit lines:
| 26 |
Occupation: | Fireman |
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $29,853 | Stated income: | $100,000+ |
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 55% | | |
| |
Homeownership:
| Yes | | |
Screen name:
| FireTim |
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
pay off credit cards
Purpose of loan:
This loan will be used to? to pay off credit cards.
My financial situation:
I am a good candidate for this loan because?Have a secure job as a firefighter last 21 yrs. I have excellent credit with no late history.?
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
469473
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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:
| 9.8% | | |
| | |
|
Starting lender yield:
| 24.75% |
Starting borrower rate/APR:
| 25.75% / 29.26% |
Starting monthly payment:
| $401.58 |
|
Auction yield range:
| 10.89% - 24.75% |
Estimated loss impact:
| 10.41% | | |
Lender servicing fee:
| 1.00% |
Estimated return:
| 14.34% | | |
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10):
| 7 |
First credit line:
| Feb-1988 |
Debt/Income ratio:
| 22% |
Credit score:
| 700-719 (Aug-2010) |
Inquiries last 6m:
| 1 | Employment status: | Employed |
Now delinquent:
| 1 |
Current / open credit lines:
| 13
/
12 | Length of status: | 7y 5m |
Amount delinquent:
| $454 |
Total credit lines:
| 27 |
Occupation: | Other |
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $5,843 | Stated income: | $75,000-$99,999 |
Delinquencies in last 7y:
| 8 |
Bankcard utilization:
| 44% | | |
| |
Homeownership:
| Yes | | |
Screen name:
| move12now |
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% )
| 700-719 (Latest)
|
Principal borrowed:
| $8,500.00 | < 31 days late:
| 0
( 0% )
| 640-659
(Apr-2010)
640-659
(Jul-2008)
640-659
(Jun-2008)
|
Principal balance:
| $3,413.83 |
31+ days late:
| 0
( 0% )
|
Total payments billed:
| 24 | | |
Description
business improvements
Purpose of loan:
This loan will be used to grow new business. I started making jewelry a few months ago and the orders I am getting are more than I can keep up with, with my current supply of materials, work space, and resources. I also purchased a rental property and am renting out for $650.00 a month. My mortgage plus taxes and insurance on this property is $475.00.
My financial situation:
I am a good candidate for this loan because I have an excellent work history and skill set. I have worked?in management positions in the past and feel comfortable with my progress in?my businesses so far.?I wouyld like to grow my business and pay down my debt faster.
Monthly net income: $ 7365.00
Monthly expenses: $
??Housing: $ 1294
??Insurance: $ 250
??Car expenses: $ 225
??Utilities: $ 286
??Phone, cable, internet: $ 325
??Food, entertainment: $ 375
??Clothing, household expenses $ 175
??Credit cards and other loans: $ 650
??Other expenses: $ 200
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
469643
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount:
| $7,500.00 |
Prosper Rating:
| HR |
Auction Duration:
| 7 days
|
Term:
| 36 months |
Estimated loss:
| 18.3% | | |
| | |
|
Starting lender yield:
| 34.00% |
Starting borrower rate/APR:
| 35.00% / 38.72% |
Starting monthly payment:
| $339.27 |
|
Auction yield range:
| 16.89% - 34.00% |
Estimated loss impact:
| 20.31% | | |
Lender servicing fee:
| 1.00% |
Estimated return:
| 13.69% | | |
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 score (1-10):
| 4 |
First credit line:
| Nov-1983 |
Debt/Income ratio:
| 34% |
Credit score:
| 760-779 (Aug-2010) |
Inquiries last 6m:
| 5 | Employment status: | Employed |
Now delinquent:
| 0 |
Current / open credit lines:
| 15
/
15 | Length of status: | 36y 4m |
Amount delinquent:
| $0 |
Total credit lines:
| 45 |
Occupation: | Other |
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $25,067 | Stated income: | $100,000+ |
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 54% | | |
| |
Homeownership:
| Yes | | |
Screen name:
| sympathetic-value9 |
Borrower's state:
| Kansas |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Description
pay off credit card
Purpose of loan:
This loan will be used to? pay credit card
My financial situation:
I am a good candidate for this loan because? I pay on time
Monthly net income: $ 4000
Monthly expenses: $
??Housing: $ 1488
??Insurance: $ 2100
??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
469803
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount:
| $7,500.00 |
Prosper Rating:
| HR |
Auction Duration:
| 7 days
|
Term:
| 36 months |
Estimated loss:
| 24.0% | | |
| | |
|
Starting lender yield:
| 34.00% |
Starting borrower rate/APR:
| 35.00% / 38.72% |
Starting monthly payment:
| $339.27 |
|
Auction yield range:
| 16.89% - 34.00% |
Estimated loss impact:
| 26.01% | | |
Lender servicing fee:
| 1.00% |
Estimated return:
| 7.99% | | |
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 score (1-10):
| 2 |
First credit line:
| Aug-1989 |
Debt/Income ratio:
| Self-employed (DTI Not Calculated) |
Credit score:
| 680-699 (Aug-2010) |
Inquiries last 6m:
| 1 | Employment status: | Self-employed |
Now delinquent:
| 0 |
Current / open credit lines:
| 7
/
7 | Length of status: | 2y 7m |
Amount delinquent:
| $0 |
Total credit lines:
| 19 |
Occupation: | Investor |
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $68,729 | Stated income: | $75,000-$99,999 |
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 93% | | |
| |
Homeownership:
| No | | |
Screen name:
| lendmoney1 |
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
Loan for Las Vegas Condo Investment
Purpose of loan:Loan for condominium purchase
This loan will be used to?Pay cash for a foreclose condo for investment purposes. I need around 7k more to make a serious offer. My cash is tied up right now in other real estate investments.
My financial situation:good.
I am a good candidate for this loan because?I have no delinquencies and have been current on all my debts for the last 20 years.
Monthly net income: $ 5000
Monthly expenses: $
??Housing: $300.00
??Insurance: $100.00
??Car expenses: $50.00
??Utilities: $100.00
??Phone, cable, internet: $100.00
??Food, entertainment: $200.00
??Clothing, household expenses $
??Credit cards and other loans: $2000.00
??Other expenses: $
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
470109
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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:
| 6.0% | | |
| | |
|
Starting lender yield:
| 14.15% |
Starting borrower rate/APR:
| 15.15% / 17.32% |
Starting monthly payment:
| $277.91 |
|
Auction yield range:
| 5.89% - 14.15% |
Estimated loss impact:
| 6.19% | | |
Lender servicing fee:
| 1.00% |
Estimated return:
| 7.96% | | |
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10):
| 8 |
First credit line:
| Sep-1990 |
Debt/Income ratio:
| 12% |
Credit score:
| 720-739 (Aug-2010) |
Inquiries last 6m:
| 0 | Employment status: | Employed |
Now delinquent:
| 0 |
Current / open credit lines:
| 11
/
9 | Length of status: | 9y 5m |
Amount delinquent:
| $0 |
Total credit lines:
| 47 |
Occupation: | Engineer - Chemical |
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $7,120 | Stated income: | $100,000+ |
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 96% | | |
| |
Homeownership:
| Yes | | |
Screen name:
| dough-master1 |
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
Gonzaga High School (Sr YR) Payment
Purpose of loan:
This loan will be used to help pay for my sons last year at Gonzaga High School
My financial situation:
I am a good candidate for this loan because both my wife (school teacher) and I are gainfully employed.
Monthly net income: $ My wife and I bring after taxes over 11,000/month
Monthly expenses: $
??Housing: $
3400
??Insurance: $
3000
??Car expenses: $
0
??Utilities: $
400
??Phone, cable, internet: $
400
??Food, entertainment: $
600
??Clothing, household expenses $
150
??Credit cards and other loans: $
700
??Other expenses: $
2000
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
470185
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount:
| $15,000.00 |
Prosper Rating:
| AA |
Auction Duration:
| 7 days
|
Term:
| 36 months |
Estimated loss:
| 1.3% | | |
| | |
|
Starting lender yield:
| 6.85% |
Starting borrower rate/APR:
| 7.85% / 8.19% |
Starting monthly payment:
| $469.01 |
|
Auction yield range:
| 2.89% - 6.85% |
Estimated loss impact:
| 1.30% | | |
Lender servicing fee:
| 1.00% |
Estimated return:
| 5.55% | | |
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10):
| 10 |
First credit line:
| Jun-2004 |
Debt/Income ratio:
| 12% |
Credit score:
| 720-739 (Aug-2010) |
Inquiries last 6m:
| 0 | Employment status: | Employed |
Now delinquent:
| 0 |
Current / open credit lines:
| 14
/
13 | Length of status: | 5y 5m |
Amount delinquent:
| $0 |
Total credit lines:
| 17 |
Occupation: | Other |
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $1,434 | Stated income: | $75,000-$99,999 |
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 14% | | |
| |
Homeownership:
| No | | |
Screen name:
| UtopiaComputers |
Borrower's state:
| Illinois |
Borrower's group:
| Have Money - Will Bid |
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan history | Payment history | Credit score history |
Active / total loans:
| 1 / 2 |
On-time:
| 51 ( 94% )
| 720-739 (Latest)
|
Principal borrowed:
| $7,500.00 | < 31 days late:
| 3
( 6% )
| 720-739
(Jul-2010)
600-619
(Sep-2008)
560-579
(May-2007)
|
Principal balance:
| $1,848.15 |
31+ days late:
| 0
( 0% )
|
Total payments billed:
| 54 | | |
Description
Pay 2009 Income Taxes
Purpose of loan:?Hello and thank you for taking the time to look at my loan listing. The purpose of this loan is to pay of current prosper loan of 1963.00 and the balance to pay the Federal 2009 Income taxes as a result of an increase in business in 2009. What?my company does is build custom built computer systems for gamers as well as pre built systems for business and home use. Business has been great. My website is www.utopiacomputers.com. I have paid off 1 Prosper loan and was only late once when changing of banks did not get updated in Prosper in time.
I owe very little on my credit cards and plan to pay the remaining balances off this month ( approx 1200.00)
Monthly income: $ 4,916.00
Monthly expenses: $ 2,280.00 ? Housing: $ 0 (home has no mortgage and is fully paid for by partner)
Insurance: $ 400.00 (home, auto, real estate taxes)
Car expenses: $ 400.00
Utilities: $ 400.00
Phone, cable, internet: $ 300.00
Food, entertainment: $ 500.00
Clothing, household expenses $ 100.00
Credit cards and other loans: $ 180.00??
Monthly Balance for repayment of Prosper Loan = 2636.00
You have my personal guarantee that every payment to Prosper will be made promptly and on time each and every month !
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
470479
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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:
| 14.2% | | |
| | |
|
Starting lender yield:
| 14.00% |
Starting borrower rate/APR:
| 15.00% / 18.29% |
Starting monthly payment:
| $173.33 |
|
Auction yield range:
| 13.89% - 14.00% |
Estimated loss impact:
| 14.80% | | |
Lender servicing fee:
| 1.00% |
Estimated return:
| -0.80% | | |
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 score (1-10):
| 6 |
First credit line:
| Dec-1997 |
Debt/Income ratio:
| 24% |
Credit score:
| 660-679 (Aug-2010) |
Inquiries last 6m:
| 1 | Employment status: | Employed |
Now delinquent:
| 0 |
Current / open credit lines:
| 11
/
11 | Length of status: | 12y 10m |
Amount delinquent:
| $0 |
Total credit lines:
| 22 |
Occupation: | Tradesman - Mechani... |
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $16,273 | Stated income: | $75,000-$99,999 |
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 70% | | |
| |
Homeownership:
| Yes | | |
Screen name:
| piratephan40 |
Borrower's state:
| Texas |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan history | Payment history | Credit score history |
Active / total loans:
| 0 / 2 |
On-time:
| 37 ( 100% )
| 660-679 (Latest)
|
Principal borrowed:
| $5,500.00 | < 31 days late:
| 0
( 0% )
| 660-679
(May-2010)
620-639
(Apr-2006)
|
Principal balance:
| $0.00 |
31+ days late:
| 0
( 0% )
|
Total payments billed:
| 37 | | |
Description
retirement prep
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
470657
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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:
| D |
Auction Duration:
| 7 days
|
Term:
| 36 months |
Estimated loss:
| 9.8% | | |
| | |
|
Starting lender yield:
| 16.00% |
Starting borrower rate/APR:
| 17.00% / 20.33% |
Starting monthly payment:
| $196.09 |
|
Auction yield range:
| 10.89% - 16.00% |
Estimated loss impact:
| 10.17% | | |
Lender servicing fee:
| 1.00% |
Estimated return:
| 5.83% | | |
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10):
| 8 |
First credit line:
| Oct-2000 |
Debt/Income ratio:
| 13% |
Credit score:
| 680-699 (Aug-2010) |
Inquiries last 6m:
| 0 | Employment status: | Employed |
Now delinquent:
| 0 |
Current / open credit lines:
| 11
/
9 | Length of status: | 4y 6m |
Amount delinquent:
| $0 |
Total credit lines:
| 24 |
Occupation: | Sales - Commission |
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $1,713 | Stated income: | $25,000-$49,999 |
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 47% | | |
| |
Homeownership:
| No | | |
Screen name:
| eat_my_cooki |
Borrower's state:
| Hawaii |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan history | Payment history | Credit score history |
Active / total loans:
| 1 / 1 |
On-time:
| 9 ( 100% )
| 680-699 (Latest)
|
Principal borrowed:
| $4,000.00 | < 31 days late:
| 0
( 0% )
| 660-679
(Oct-2009)
600-619
(Aug-2007)
|
Principal balance:
| $3,270.04 |
31+ days late:
| 0
( 0% )
|
Total payments billed:
| 9 | | |
Description
A solid investment
I am a college graduate with a degree in Political Science and Business Management. (I graduated High School and College with honors) I am currently in my 2nd year of Graduate School for a Master?s in Finance. I have two jobs; I am employed at the #1 Bank in the US (according to Forbes - 2009) and I also have a part time job at Aldo for supplemental income. I do not own a car and I take the bus everywhere, which keeps my expenses low.
The purpose of this loan is to consolidate 4 credit cards into one payment. Once this consolidation is complete, my only monthly expenses will be my rent, my cell phone, my school loan, and this loan.
I currently have one other Prosper loan which was to consolidate my school loans and as you can see, I have never missed a payment. Since I work two jobs and I am a very diligent student, I am certain that I will be able to pay back this loan earlier than expected.
Additionally, I would like to confidently add that I LOVE God with all my heart. Whether or not YOU believe in God, I think that this is very important information to consider because it is the greatest evidence of my character -beyond the numerical value that is my ?credit score?. As a borrower, I know that I am a temporary guardian of something important and valuable that belongs to you. Because of the principles that I believe in, it is a priority to be accountable and responsible in returning what is yours.
As a lender, you will be providing a huge blessing to me. Please rest assured?that with these funds, I will have the freedom, the?means, and?the opportunity, to do great things. Thank you for believing in me.
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
470665
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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:
| 1.6% | | |
| | |
|
Starting lender yield:
| 6.50% |
Starting borrower rate/APR:
| 7.50% / 7.84% |
Starting monthly payment:
| $155.53 |
|
Auction yield range:
| 2.89% - 6.50% |
Estimated loss impact:
| 1.55% | | |
Lender servicing fee:
| 1.00% |
Estimated return:
| 4.95% | | |
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 score (1-10):
| 10 |
First credit line:
| Aug-1996 |
Debt/Income ratio:
| 3% |
Credit score:
| 840-859 (Aug-2010) |
Inquiries last 6m:
| 1 | Employment status: | Employed |
Now delinquent:
| 0 |
Current / open credit lines:
| 6
/
5 | Length of status: | 1y 2m |
Amount delinquent:
| $0 |
Total credit lines:
| 26 |
Occupation: | Professional |
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $1,847 | Stated income: | $75,000-$99,999 |
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 3% | | |
| |
Homeownership:
| Yes | | |
Screen name:
| gold-mammal |
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
Renovating garage apartment
Purpose of loan:
This loan will be used to?
To finance the renovation of our garage apartment with the intent of renting out the unit for $600-$700 per month.?
My financial situation:
I am a good candidate for this loan because?
I have excellent credit, good income (expecting substantial raise and bonus within 6 months), and my wife and I do not live beyond our means (manageable mortgage, saving each month).? Renovating and renting out the apartment will only strengthen our financial wherewithal.? We live in a very desirable part of town and are confident that with our unique renovation (true to the period, but modernized) we'll rent out the garage apartment?with great ease.? I am personally contributing?to the cost of the renovation (yes, I am putting my skin in the game).?
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
470713
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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:
| 36.6% | | |
| | |
|
Starting lender yield:
| 31.00% |
Starting borrower rate/APR:
| 32.00% / 35.65% |
Starting monthly payment:
| $130.66 |
|
Auction yield range:
| 16.89% - 31.00% |
Estimated loss impact:
| 38.42% | | |
Lender servicing fee:
| 1.00% |
Estimated return:
| -7.42% | | |
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 score (1-10):
| 1 |
First credit line:
| May-2005 |
Debt/Income ratio:
| 35% |
Credit score:
| 660-679 (Aug-2010) |
Inquiries last 6m:
| 1 | Employment status: | Employed |
Now delinquent:
| 0 |
Current / open credit lines:
| 1
/
1 | Length of status: | 0y 2m |
Amount delinquent:
| $0 |
Total credit lines:
| 2 |
Occupation: | Student - College G... |
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $0 | Stated income: | $1-$24,999 |
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 0% | | |
| |
Homeownership:
| No | | |
Screen name:
| competent-platinum6 |
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
Internship in NY
Purpose of loan:
This loan will be used to fund my living expenses while I move to and live in NY for a semester long internship at the Clinton Foundation.
My financial situation:
I am a good candidate for this loan because although I do not have a credit history I have money saved and I will be working a part time job while I am in the city. I just graduated from college and within the summer I paid off all of my student loans obtained during my college years. It is important for me to not be in debt so I will make sure that this loan will be payed off as soon as possible. I will already be able to pay off 2 of the 3 months rent from the money that I personally have so this loan would pay for my living expenses for 3 months in the city.
Monthly net income: $
800
Monthly expenses: $
??Housing: $
700 ???? ????
??Insurance: $
0
??Car expenses: $
0
??Utilities: $
0
??Phone, cable, internet: $
30
??Food, entertainment: $
250
??Clothing, household expenses $
200
??Credit cards and other loans: $
0
??Other expenses: $
50
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
470715
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount:
| $5,777.00 |
Prosper Rating:
| HR |
Auction Duration:
| 7 days
|
Term:
| 36 months |
Estimated loss:
| 24.0% | | |
| | |
|
Starting lender yield:
| 24.00% |
Starting borrower rate/APR:
| 25.00% / 28.50% |
Starting monthly payment:
| $229.69 |
|
Auction yield range:
| 16.89% - 24.00% |
Estimated loss impact:
| 25.38% | | |
Lender servicing fee:
| 1.00% |
Estimated return:
| -1.38% | | |
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 score (1-10):
| 3 |
First credit line:
| Apr-1998 |
Debt/Income ratio:
| Not calculated |
Credit score:
| 680-699 (Aug-2010) |
Inquiries last 6m:
| 2 | Employment status: | Other |
Now delinquent:
| 2 |
Current / open credit lines:
| 4
/
4 | Length of status: | 3y 10m |
Amount delinquent:
| $21,369 |
Total credit lines:
| 25 | Stated income: | $50,000-$74,999 |
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $908 | |
Delinquencies in last 7y:
| 27 |
Bankcard utilization:
| 29% | | |
| |
Homeownership:
| No | | |
Screen name:
| respectful-kindness1 |
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:
| 1 ( 100% )
| 680-699 (Latest)
|
Principal borrowed:
| $1,000.00 | < 31 days late:
| 0
( 0% )
| 740-759
(Jun-2010)
|
Principal balance:
| $0.00 |
31+ days late:
| 0
( 0% )
|
Total payments billed:
| 1 | | |
Description
2nd time Prosper borrower, car loan
Purpose of loan:
This loan will be used to buy a car.? The current car I have leaks oil, windows barely work, almost always in the shop, front end issues,?battery?problems and many more.? I would like to get a better car that I actually dont have to get out of the car and connect the battery to start.
My financial situation:
I am a good candidate for this loan because I am a christian and my belief is not to cheat anyone.? I would pay back the entire amount in less than 2 years.?I know my credit dropped to around 680 but I will pay back regardless of what my credit says. I also borrowed from Prosper before and paid back within less than 2 months. Check prosper history for more information.
Monthly net income: $ 4330
Monthly expenses: $?
??Housing: $ 823
??Insurance: $ 105
??Car expenses: $580
??Utilities: $?85
??Phone, cable, internet: $ 57
??Food, entertainment: $ 120
??Clothing, household expenses $ 100
??Credit cards and other loans: $ 150
??Other expenses: $
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
470727
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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:
| 24.0% | | |
| | |
|
Starting lender yield:
| 34.00% |
Starting borrower rate/APR:
| 35.00% / 38.72% |
Starting monthly payment:
| $271.42 |
|
Auction yield range:
| 16.89% - 34.00% |
Estimated loss impact:
| 26.01% | | |
Lender servicing fee:
| 1.00% |
Estimated return:
| 7.99% | | |
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 score (1-10):
| 3 |
First credit line:
| May-1999 |
Debt/Income ratio:
| 35% |
Credit score:
| 600-619 (Aug-2010) |
Inquiries last 6m:
| 1 | Employment status: | Employed |
Now delinquent:
| 1 |
Current / open credit lines:
| 22
/
16 | Length of status: | 21y 2m |
Amount delinquent:
| $582 |
Total credit lines:
| 43 |
Occupation: | Clerical |
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $6,048 | Stated income: | $25,000-$49,999 |
Delinquencies in last 7y:
| 1 |
Bankcard utilization:
| 75% | | |
| |
Homeownership:
| No | | |
Screen name:
| tjsmom1006 |
Borrower's state:
| California |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan history | Payment history | Credit score history |
Active / total loans:
| 1 / 2 |
On-time:
| 44 ( 100% )
| 600-619 (Latest)
|
Principal borrowed:
| $5,715.00 | < 31 days late:
| 0
( 0% )
| 520-539
(Mar-2008)
520-539
(Sep-2007)
540-559
(Aug-2007)
540-559
(Feb-2007)
|
Principal balance:
| $1,448.74 |
31+ days late:
| 0
( 0% )
|
Total payments billed:
| 44 | | |
Description
3RD LOAN, AND NOT ONE LATE PAYMENT!
Hello and Thank you for viewing my listing. This is now part 3 of my Debt Cleaning process. I was blessed to get 2 Prosper Loans to pay off my debt and have not had one late payment. I currently owe $1470 on my second prosper loan but plan to pay if off in full if I am funded for this loan.For the past 3 years I have been working aggressively hard to pay off my debt and delinquent accounts from many years ago. My credit score has increased 60 points. My delinquent accounts are down from 10 to 1. My delinquent amount is down from $7744 to $582. The last delinquent account will be cleared in a couple of months.
Purpose of Loan: The purpsoe of this loan is to continue my debt consolidation process and continue building good credit and trust with prosper which I have done for the last 3 years!!!
My Job: I work for a Medical Group in Beverly Hills. I am a Supervisor of the Health Information Department. I have been with the company 21 years.
My Salary: My Current Monthly Income is $3000.00.
My Monthly Budget:
Rent $650.00
Car Payment $273
Insurance $80
Cell $100
Cable/Internet $70
Clothing $100
Entertainment $100
2nd Prosper loan $200.16 (Will be paid off with this prosper loan)
Linclon Financial Loan $400
Credit Cards $300
Total Monthly Budget $2273.16
I will have enough left over to double up on my?prosper payments and pay ahead of schedule as I did?with my first 2 loans. With this loan?I ?can finally get out of HR status and be on my way to raising my score even more and?to a more worthy credit score. I am proud of myself and I definitely want to continue?on this journey. Thank you for your time!!!!!!!!?? God Bless :-)
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
470729
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount:
| $5,900.00 |
Prosper Rating:
| E |
Auction Duration:
| 7 days
|
Term:
| 36 months |
Estimated loss:
| 14.2% | | |
| | |
|
Starting lender yield:
| 33.35% |
Starting borrower rate/APR:
| 34.35% / 38.06% |
Starting monthly payment:
| $264.73 |
|
Auction yield range:
| 13.89% - 33.35% |
Estimated loss impact:
| 15.74% | | |
Lender servicing fee:
| 1.00% |
Estimated return:
| 17.61% | | |
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10):
| 6 |
First credit line:
| Jun-1998 |
Debt/Income ratio:
| 39% |
Credit score:
| 640-659 (Aug-2010) |
Inquiries last 6m:
| 0 | Employment status: | Employed |
Now delinquent:
| 0 |
Current / open credit lines:
| 12
/
9 | Length of status: | 2y 11m |
Amount delinquent:
| $0 |
Total credit lines:
| 32 |
Occupation: | Laborer |
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $5,679 | Stated income: | $25,000-$49,999 |
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 90% | | |
| |
Homeownership:
| Yes | | |
Screen name:
| needybody |
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 / 1 |
On-time:
| 10 ( 100% )
| 640-659 (Latest)
|
Principal borrowed:
| $1,000.00 | < 31 days late:
| 0
( 0% )
| 640-659
(Sep-2009)
640-659
(Aug-2009)
|
Principal balance:
| $797.83 |
31+ days late:
| 0
( 0% )
|
Total payments billed:
| 10 | | |
Description
consolidating debt
Purpose of loan:
This loan will be used to consolidate debt.
My financial situation:
I am a good candidate for this loan because?
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
470733
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount:
| $7,500.00 |
Prosper Rating:
| D |
Auction Duration:
| 7 days
|
Term:
| 36 months |
Estimated loss:
| 10.8% | | |
| | |
|
Starting lender yield:
| 14.00% |
Starting borrower rate/APR:
| 15.00% / 18.29% |
Starting monthly payment:
| $259.99 |
|
Auction yield range:
| 10.89% - 14.00% |
Estimated loss impact:
| 11.11% | | |
Lender servicing fee:
| 1.00% |
Estimated return:
| 2.89% | | |
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10):
| 7 |
First credit line:
| Aug-1984 |
Debt/Income ratio:
| 22% |
Credit score:
| 660-679 (Aug-2010) |
Inquiries last 6m:
| 0 | Employment status: | Employed |
Now delinquent:
| 0 |
Current / open credit lines:
| 18
/
18 | Length of status: | 38y 2m |
Amount delinquent:
| $0 |
Total credit lines:
| 44 |
Occupation: | Executive |
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $55,480 | Stated income: | $100,000+ |
Delinquencies in last 7y:
| 3 |
Bankcard utilization:
| 93% | | |
| |
Homeownership:
| Yes | | |
Screen name:
| melodious-rate7 |
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
Home Improvements
Purpose of loan:
This loan will be used to? install a new roof and some windows which qualify for the Energy Tax Credit
My financial situation:
I am a good candidate for this loan because?I am?determined to pay all my debts?
Monthly net income: $ 8,000
Monthly expenses: $
??Housing: $ 2498
??Insurance: $
??Car expenses: $ 200
??Utilities: $ 350
??Phone, cable, internet: $ 150
??Food, entertainment: $ 500
??Clothing, household expenses $ 200
??Credit cards and other loans: $ 3800
??Other expenses: $ 200
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
470735
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount:
| $3,900.00 |
Prosper Rating:
| HR |
Auction Duration:
| 7 days
|
Term:
| 36 months |
Estimated loss:
| 24.0% | | |
| | |
|
Starting lender yield:
| 34.00% |
Starting borrower rate/APR:
| 35.00% / 38.72% |
Starting monthly payment:
| $176.42 |
|
Auction yield range:
| 16.89% - 34.00% |
Estimated loss impact:
| 26.01% | | |
Lender servicing fee:
| 1.00% |
Estimated return:
| 7.99% | | |
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 score (1-10):
| 2 |
First credit line:
| Nov-1979 |
Debt/Income ratio:
| 16% |
Credit score:
| 640-659 (Jul-2010) |
Inquiries last 6m:
| 2 | Employment status: | Employed |
Now delinquent:
| 4 |
Current / open credit lines:
| 2
/
2 | Length of status: | 3y 10m |
Amount delinquent:
| $4,821 |
Total credit lines:
| 30 |
Occupation: | Teacher |
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $0 | Stated income: | $25,000-$49,999 |
Delinquencies in last 7y:
| 39 |
Bankcard utilization:
| 0% | | |
| |
Homeownership:
| Yes | | |
Screen name:
| YAYARUFF |
Borrower's state:
| Minnesota |
Borrower's group:
| UtopiaLoans.com - Now Over $1 Million in Closed Loans!! |
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan history | Payment history | Credit score history |
Active / total loans:
| 1 / 1 |
On-time:
| 30 ( 91% )
| 640-659 (Latest)
|
Principal borrowed:
| $3,500.00 | < 31 days late:
| 3
( 9% )
| 640-659
(May-2010)
660-679
(Mar-2010)
680-699
(Nov-2009)
680-699
(Aug-2009)
|
Principal balance:
| $415.13 |
31+ days late:
| 0
( 0% )
|
Total payments billed:
| 33 | | |
Description
PAY UP MY BILLS
Purpose of loan:
This loan will be used to? BRING ALL MY BILLS CURRENT AND PAY OFF SMALL BALANCE ON PROSPER LOAN
My financial situation:
I am a good candidate for this loan because? I DESERVE A BREAK TODAY
Monthly net income: $ 3600
Monthly expenses: $
??Housing: $ 1387
??Insurance: $ 140
??Car expenses: $ 75
??Utilities: $ 200
??Phone, cable, internet: $ 99
??Food, entertainment: $ 150
??Clothing, household expenses $ 200
??Credit cards and other loans: $ 150
??Other expenses: $ 250
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
470741
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount:
| $7,500.00 |
Prosper Rating:
| E |
Auction Duration:
| 7 days
|
Term:
| 36 months |
Estimated loss:
| 14.2% | | |
| | |
|
Starting lender yield:
| 14.00% |
Starting borrower rate/APR:
| 15.00% / 18.29% |
Starting monthly payment:
| $259.99 |
|
Auction yield range:
| 13.89% - 14.00% |
Estimated loss impact:
| 14.80% | | |
Lender servicing fee:
| 1.00% |
Estimated return:
| -0.80% | | |
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 score (1-10):
| 5 |
First credit line:
| Sep-2000 |
Debt/Income ratio:
| 42% |
Credit score:
| 680-699 (Aug-2010) |
Inquiries last 6m:
| 2 | Employment status: | Employed |
Now delinquent:
| 0 |
Current / open credit lines:
| 16
/
14 | Length of status: | 10y 2m |
Amount delinquent:
| $0 |
Total credit lines:
| 29 |
Occupation: | Other |
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $14,199 | Stated income: | $25,000-$49,999 |
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 70% | | |
| |
Homeownership:
| Yes | | |
Screen name:
| wise-serene-deal |
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 debt
Purpose of loan:
This loan will be used to?
Pay off credit cards and small loans
My financial situation:
I am a good candidate for this loan because?I am not delinquent on any of my current obligations. I haven't had any public records of any sort as you can see for over 10 years. I want to cut up two of my high interest cards and get on with life debt free. My wife has income also that cannot be verified here but she pays the other bills that I do not have listed such as insurance, housing and most of the food.
Also not listed in my income is my rental property. That is an extra $1000 + per month.
Monthly net income: $2000 + after taxes
Monthly expenses: $
??Housing: $
0
??Insurance: $
0 ????
??Car expenses: $
0
??Utilities: $180
??Phone, cable, internet: $
250
??Food, entertainment: $ 150
??Clothing, household expenses $
0
??Credit cards and other loans: $ 600
??Other expenses: $
0
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
470747
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount:
| $1,500.00 |
Prosper Rating:
| HR |
Auction Duration:
| 7 days
|
Term:
| 36 months |
Estimated loss:
| 24.0% | | |
| | |
|
Starting lender yield:
| 34.00% |
Starting borrower rate/APR:
| 35.00% / 39.15% |
Starting monthly payment:
| $67.85 |
|
Auction yield range:
| 16.89% - 34.00% |
Estimated loss impact:
| 26.01% | | |
Lender servicing fee:
| 1.00% |
Estimated return:
| 7.99% | | |
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 score (1-10):
| 3 |
First credit line:
| Jun-1999 |
Debt/Income ratio:
| 33% |
Credit score:
| 660-679 (Jul-2010) |
Inquiries last 6m:
| 1 | Employment status: | Employed |
Now delinquent:
| 0 |
Current / open credit lines:
| 20
/
18 | Length of status: | 4y 2m |
Amount delinquent:
| $0 |
Total credit lines:
| 36 |
Occupation: | Other |
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $43,013 | Stated income: | $50,000-$74,999 |
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 91% | | |
| |
Homeownership:
| Yes | | |
Screen name:
| fervent-dinero0 |
Borrower's state:
| Kentucky |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Description
Debt Consolidation
Purpose of loan:
is to pay off some high interest rate credit cards
My financial situation:
I am a good candidate for this loan because?It will be paid back within?2 years at most, I always pay my bills on time I just wanna get all these high interest rate cards paid in full so I don't have to worry about them. I always make my payments on time and most of the time a week earlier just to insure they are paid on time.
Monthly net income: $ 4000.00
Monthly expenses: $
??Housing: $ 1013.00????
??Insurance: $ 100.00?
??Car expenses: $ 50.00????
??Utilities: $ $200.00
??Phone, cable, internet: $ $200.00????
??Food, entertainment: $?$100.00
??Clothing, household expenses $ 50.00
??Credit cards and other loans: $ 500.00
??Other expenses: $ 200.00
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
470753
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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:
| 6.0% | | |
| | |
|
Starting lender yield:
| 14.15% |
Starting borrower rate/APR:
| 15.15% / 17.32% |
Starting monthly payment:
| $347.39 |
|
Auction yield range:
| 5.89% - 14.15% |
Estimated loss impact:
| 6.19% | | |
Lender servicing fee:
| 1.00% |
Estimated return:
| 7.96% | | |
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10):
| 8 |
First credit line:
| Jul-1994 |
Debt/Income ratio:
| 16% |
Credit score:
| 780-799 (Aug-2010) |
Inquiries last 6m:
| 1 | Employment status: | Employed |
Now delinquent:
| 0 |
Current / open credit lines:
| 6
/
5 | Length of status: | 12y 0m |
Amount delinquent:
| $0 |
Total credit lines:
| 21 |
Occupation: | Teacher |
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $3,624 | Stated income: | $50,000-$74,999 |
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 30% | | |
| |
Homeownership:
| Yes | | |
Screen name:
| market-pinnacle9 |
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
Replace my windows and a new roof
Purpose of loan:
This loan will be used to fix up my house.? I live in a older home that needs some tlc to be great.? The roof and windows will cost about ten thousand dollars to replace.?
My financial situation:
I am a good candidate for this loan because as you can see by my credit score I have never been late on a payment and have very little debt.?I pay off my credit card every month.?
Thank you for your time.
Monthly net income: $ 5400?
Monthly expenses: $
??Housing: $1200
??Insurance: $?800 per year
??Car expenses: $ 400?
??Utilities: $300
??Phone, cable, internet: $ 200
??Food, entertainment: $400
??Clothing, household expenses $200
??Credit cards and other loans: $?
??Other expenses: $ 0
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
470757
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount:
| $7,500.00 |
Prosper Rating:
| D |
Auction Duration:
| 7 days
|
Term:
| 36 months |
Estimated loss:
| 10.8% | | |
| | |
|
Starting lender yield:
| 11.00% |
Starting borrower rate/APR:
| 12.00% / 15.23% |
Starting monthly payment:
| $249.11 |
|
Auction yield range:
| 10.89% - 11.00% |
Estimated loss impact:
| 11.03% | | |
Lender servicing fee:
| 1.00% |
Estimated return:
| -0.03% | | |
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10):
| 7 |
First credit line:
| Nov-1995 |
Debt/Income ratio:
| 19% |
Credit score:
| 660-679 (Aug-2010) |
Inquiries last 6m:
| 0 | Employment status: | Employed |
Now delinquent:
| 0 |
Current / open credit lines:
| 11
/
11 | Length of status: | 3y 2m |
Amount delinquent:
| $0 |
Total credit lines:
| 21 |
Occupation: | Engineer - Chemical |
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $23,631 | Stated income: | $75,000-$99,999 |
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 89% | | |
| |
Homeownership:
| No | | |
Screen name:
| obedient-bid |
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
Dug A Hole, Working My Way Out
Purpose of loan: I decided to go back to school in a very costly town. Working part time while getting a chemical engineering barely paid rent. I had to live off the credit cards for a bit. But now, I work for Chevron and make almost $100k/yr so would like a chance to not pay out of my mind for this credit.
This loan will be used to pay off my highest interest rate credit card.
My financial situation: Working for Chevron, great job as a chemical engineer, working on debt so that I can purchase a house some day.
I am a good candidate for this loan because while I had to survive on my credit cards while going back to school, I've turned it into a great paying job. I've not been delinquent on my loans and hope to get a good interest rate even though this is my first time on prosper.com and don't have a good standing yet.
Monthly net income: $4300
Monthly expenses: $ 3290
??Housing: $875
??Insurance: $65
??Car expenses: $100 (gas)
??Utilities: $50
??Phone, cable, internet: $100
??Food, entertainment: $300
??Clothing, household expenses $200
??Credit cards and other loans: $1400
??Other expenses: $200
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
470759
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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:
| 10.8% | | |
| | |
|
Starting lender yield:
| 21.00% |
Starting borrower rate/APR:
| 22.00% / 25.43% |
Starting monthly payment:
| $152.76 |
|
Auction yield range:
| 10.89% - 21.00% |
Estimated loss impact:
| 11.31% | | |
Lender servicing fee:
| 1.00% |
Estimated return:
| 9.69% | | |
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 score (1-10):
| 10 |
First credit line:
| Dec-1991 |
Debt/Income ratio:
| 4% |
Credit score:
| 640-659 (Jul-2010) |
Inquiries last 6m:
| 0 | Employment status: | Employed |
Now delinquent:
| 0 |
Current / open credit lines:
| 4
/
4 | Length of status: | 0y 5m |
Amount delinquent:
| $0 |
Total credit lines:
| 7 |
Occupation: | Computer Programmer |
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $7,295 | Stated income: | $100,000+ |
Delinquencies in last 7y:
| 1 |
Bankcard utilization:
| 39% | | |
| |
Homeownership:
| No | | |
Screen name:
| well-mannered-money4 |
Borrower's state:
| NewYork |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Description
Paying off my credit
Purpose of loan:
This loan will be used to pay off my credit card.? I can gaurantee it will be paid off early.?
My financial situation:
I am a good candidate for this loan.? I have a single listed delinquency which is nearly expired from my credit history (who has not had a bad experience with a gym contract).
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
470769
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount:
| $14,000.00 |
Prosper Rating:
| D |
Auction Duration:
| 7 days
|
Term:
| 36 months |
Estimated loss:
| 10.8% | | |
| | |
|
Starting lender yield:
| 11.00% |
Starting borrower rate/APR:
| 12.00% / 15.23% |
Starting monthly payment:
| $465.00 |
|
Auction yield range:
| 10.89% - 11.00% |
Estimated loss impact:
| 11.03% | | |
Lender servicing fee:
| 1.00% |
Estimated return:
| -0.03% | | |
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10):
| 5 |
First credit line:
| Feb-1992 |
Debt/Income ratio:
| 25% |
Credit score:
| 720-739 (Aug-2010) |
Inquiries last 6m:
| 1 | Employment status: | Employed |
Now delinquent:
| 0 |
Current / open credit lines:
| 15
/
14 | Length of status: | 4y 9m |
Amount delinquent:
| $0 |
Total credit lines:
| 22 |
Occupation: | Other |
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $29,806 | Stated income: | $50,000-$74,999 |
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 66% | | |
| |
Homeownership:
| Yes | | |
Screen name:
| tremendous-nickel1 |
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 Credit Card Debt
Purpose of loan:
This loan will be used to consolidate my current credit cards
My financial situation:
I am a good candidate for this loan because I have paid my debts before. Just trying to bring down my current interests on other credit cards and thought that the interested would be better spend on individuals trying to help out others instead of credit card companies.
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
470777
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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:
| E |
Auction Duration:
| 7 days
|
Term:
| 36 months |
Estimated loss:
| 14.2% | | |
| | |
|
Starting lender yield:
| 33.35% |
Starting borrower rate/APR:
| 34.35% / 38.06% |
Starting monthly payment:
| $201.91 |
|
Auction yield range:
| 13.89% - 33.35% |
Estimated loss impact:
| 15.74% | | |
Lender servicing fee:
| 1.00% |
Estimated return:
| 17.61% | | |
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10):
| 5 |
First credit line:
| Jul-1988 |
Debt/Income ratio:
| 13% |
Credit score:
| 680-699 (Aug-2010) |
Inquiries last 6m:
| 3 | Employment status: | Employed |
Now delinquent:
| 1 |
Current / open credit lines:
| 12
/
11 | Length of status: | 22y 2m |
Amount delinquent:
| $5 |
Total credit lines:
| 36 |
Occupation: | Computer Programmer |
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $5,027 | Stated income: | $100,000+ |
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 50% | | |
| |
Homeownership:
| Yes | | |
Screen name:
| g-texas |
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
Medical Expense/Credit card
Purpose of loan:
This loan will be used to consolidate 2 credit cards and to pay off hospital bills from surgery last year.
My financial situation:
I am a good candidate for this loan because I always pay my debts and am diligent in making sure my accounts are current. I am working to get my credit score corrected as it current indicates 1 delinquent account which is incorrect.
Monthly net income: $ 6500
Monthly expenses: $
??Housing: $ 689.57
??Taxes/Insurance: $ 400
??Car expenses: $ 338.73
??Utilities: $ 250.00
??Phone, cable, internet: $ 125
??Food, entertainment: $
??Clothing, household expenses $
??Credit cards and other loans: $ 200
??Other expenses: $
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
470781
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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:
| AA |
Auction Duration:
| 7 days
|
Term:
| 36 months |
Estimated loss:
| 1.6% | | |
| | |
|
Starting lender yield:
| 33.00% |
Starting borrower rate/APR:
| 34.00% / 34.40% |
Starting monthly payment:
| $116.15 |
|
Auction yield range:
| 2.89% - 33.00% |
Estimated loss impact:
| 1.63% | | |
Lender servicing fee:
| 1.00% |
Estimated return:
| 31.37% | | |
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10):
| 10 |
First credit line:
| Aug-1976 |
Debt/Income ratio:
| 11% |
Credit score:
| 780-799 (Aug-2010) |
Inquiries last 6m:
| 1 | Employment status: | Employed |
Now delinquent:
| 0 |
Current / open credit lines:
| 16
/
12 | Length of status: | 6y 5m |
Amount delinquent:
| $0 |
Total credit lines:
| 33 |
Occupation: | Computer Programmer |
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $11,325 | Stated income: | $100,000+ |
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 12% | | |
| |
Homeownership:
| No | | |
Screen name:
| starry2001 |
Borrower's state:
| Illinois |
Borrower's group:
| LendersClub |
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Description
Payoff high interest card
Purpose of loan:
This loan will be used to?
Payoff credit card at 19%
My financial situation:
I am a good candidate for this loan because?
I have investments that I dont want to liquidate because of capital gains
I also have over $10,000 in savings accounts but I consider this my emergency money
I have a good job with a very stable bank in Chicago (no layoffs in last 5 years!) and not a sub prime lender
I always pay my bills with a long credit history
Monthly take home pay after taxes 401k etc etc $3500
Expenses:
Rent?& Utilities???? 1100
Cable & internet????? 200
Food & dining out??? 500
Savings?????????????????? 200
Car???????????????????????? 100
Real Estate??????????? 600? - this is an investment that doesnt yet generate income
other????????????????????? 300
Total?????????????????? 3000 approximately
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
470783
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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:
| 24.0% | | |
| | |
|
Starting lender yield:
| 34.00% |
Starting borrower rate/APR:
| 35.00% / 38.72% |
Starting monthly payment:
| $180.94 |
|
Auction yield range:
| 16.89% - 34.00% |
Estimated loss impact:
| 26.01% | | |
Lender servicing fee:
| 1.00% |
Estimated return:
| 7.99% | | |
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 score (1-10):
| 2 |
First credit line:
| Sep-2006 |
Debt/Income ratio:
| Self-employed (DTI Not Calculated) |
Credit score:
| 620-639 (Aug-2010) |
Inquiries last 6m:
| 0 | Employment status: | Self-employed |
Now delinquent:
| 0 |
Current / open credit lines:
| 5
/
4 | Length of status: | 0y 2m |
Amount delinquent:
| $0 |
Total credit lines:
| 8 |
Occupation: | Skilled Labor |
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $3,655 | Stated income: | $25,000-$49,999 |
Delinquencies in last 7y:
| 1 |
Bankcard utilization:
| 94% | | |
| |
Homeownership:
| No | | |
Screen name:
| fireflywa |
Borrower's state:
| Washington |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan history | Payment history | Credit score history |
Active / total loans:
| 1 / 1 |
On-time:
| 30 ( 86% )
| 620-639 (Latest)
|
Principal borrowed:
| $3,000.00 | < 31 days late:
| 2
( 6% )
| 600-619
(Aug-2007)
|
Principal balance:
| $263.80 |
31+ days late:
| 3
( 9% )
|
Total payments billed:
| 35 | | |
Description
Vacation to Ireland
Purpose of loan:
This loan will be used to take a much needed vacation to Ireland. After working steady for several years, I'm taking my free time to go on a few vacations. I lack the lump sum required.
My financial situation:
I was laid off from an electrical contractor about two months ago. Since then I have been collecting unemployment as well as working several fairly regular side jobs. My income is more than enough to pay the bills as well as an additional loan. I am number 60 on my union's out of work book, so it's probably about 5-8 weeks before I go back to work full time. I will be making $64k/year when I am back to work.
Monthly net income: $2000-2400
Monthly expenses: $1145
??Housing: $0
??Insurance: $200
??Car expenses: $200
??Utilities: $0
??Phone, cable, internet: $120
??Food, entertainment: $300
??Clothing, household expenses $100
??Credit cards and other loans: $225
??Other expenses: $0
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
470785
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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:
| 24.0% | | |
| | |
|
Starting lender yield:
| 34.00% |
Starting borrower rate/APR:
| 35.00% / 38.72% |
Starting monthly payment:
| $226.18 |
|
Auction yield range:
| 16.89% - 34.00% |
Estimated loss impact:
| 26.01% | | |
Lender servicing fee:
| 1.00% |
Estimated return:
| 7.99% | | |
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 score (1-10):
| 2 |
First credit line:
| Dec-2005 |
Debt/Income ratio:
| 25% |
Credit score:
| 640-659 (Aug-2010) |
Inquiries last 6m:
| 4 | Employment status: | Employed |
Now delinquent:
| 0 |
Current / open credit lines:
| 8
/
8 | Length of status: | 1y 3m |
Amount delinquent:
| $0 |
Total credit lines:
| 11 |
Occupation: | Other |
Public records last 12m / 10y:
| 0/ 1 |
Revolving credit balance:
| $8,279 | Stated income: | $50,000-$74,999 |
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 49% | | |
| |
Homeownership:
| No | | |
Screen name:
| openness-safehouse4 |
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
payoff 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 pay all my bills on time and the need is for a cause to save more money each month.
Monthly net income: $ 2600????
Monthly expenses: $ 1910
??Housing: $ 300
??Insurance: $ 100
??Car expenses:?450?
??Utilities: $ 110
??Phone, cable, internet: $ 150
??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
470787
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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:
| A |
Auction Duration:
| 7 days
|
Term:
| 36 months |
Estimated loss:
| 3.5% | | |
| | |
|
Starting lender yield:
| 11.00% |
Starting borrower rate/APR:
| 12.00% / 14.13% |
Starting monthly payment:
| $498.21 |
|
Auction yield range:
| 3.89% - 11.00% |
Estimated loss impact:
| 3.54% | | |
Lender servicing fee:
| 1.00% |
Estimated return:
| 7.46% | | |
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10):
| 9 |
First credit line:
| Jan-2001 |
Debt/Income ratio:
| Not calculated |
Credit score:
| 740-759 (Aug-2010) |
Inquiries last 6m:
| 0 | Employment status: | Employed |
Now delinquent:
| 0 |
Current / open credit lines:
| 14
/
13 | Length of status: | 9y 9m |
Amount delinquent:
| $0 |
Total credit lines:
| 34 |
Occupation: | Police Officer/Corr... |
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $10,129 | Stated income: | $75,000-$99,999 |
Delinquencies in last 7y:
| 2 |
Bankcard utilization:
| 25% | | |
| |
Homeownership:
| No | | |
Screen name:
| fund-spy |
Borrower's state:
| SouthCarolina |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Description
Pay off all credit cards - 4 total
Purpose of loan:
This loan will be used to pay off 4 credit cards. I have many credit cards, but only 4 that carry a balance. I let my brother use them and he's been making payments to me, but in the interest of getting them paid off quicker I'd like to get a loan. I have taken the cards away from him so he won't abuse my credit again.
My financial situation:
I am a good candidate for this loan because I have always paid off my debts. My report above shows 2 delinquencies. One of my credit cards was used for an unauthorized charge in 2004, but the card issuer didn't remove it while it was being investigated and I was unaware that it was still on my bill and that it resulted in a delinquency. I was able to clear up all of the charges, but I couldn't get them to fix it on my credit report. I haven't had anything bad show up since then or before then. I recently looked at my credit report so I don't know why it says there are 2 delinquencies since it's just the one.
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
470789
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount:
| $7,500.00 |
Prosper Rating:
| HR |
Auction Duration:
| 7 days
|
Term:
| 36 months |
Estimated loss:
| 36.6% | | |
| | |
|
Starting lender yield:
| 34.00% |
Starting borrower rate/APR:
| 35.00% / 38.72% |
Starting monthly payment:
| $339.27 |
|
Auction yield range:
| 16.89% - 34.00% |
Estimated loss impact:
| 38.61% | | |
Lender servicing fee:
| 1.00% |
Estimated return:
| -4.61% | | |
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10):
| 1 |
First credit line:
| May-2005 |
Debt/Income ratio:
| 35% |
Credit score:
| 640-659 (Aug-2010) |
Inquiries last 6m:
| 12 | Employment status: | Employed |
Now delinquent:
| 0 |
Current / open credit lines:
| 17
/
12 | Length of status: | 0y 2m |
Amount delinquent:
| $0 |
Total credit lines:
| 38 |
Occupation: | Other |
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $6,743 | Stated income: | $25,000-$49,999 |
Delinquencies in last 7y:
| 2 |
Bankcard utilization:
| 79% | | |
| |
Homeownership:
| Yes | | |
Screen name:
| return-wonder |
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
Pre-med student paying off debt
Purpose of loan:
To pay off all my credit card debt as well as some debt from school. ????
My financial situation:
I am a good candidate for this loan because I have shown good payment history on all of my accounts for the past few years.? I have paid, every loan I have had in full within a shorter term than agreed upon with lenders.? I currently work two full-time jobs as well as attend college full-time.? I am very responsible and just need help consolidating debt so that I can have one monthly payment per month for all of my revolving debt and school expenses.? I own my home and will be graduating from college next year.
Monthly net income: $
34500
Monthly expenses: $
??Housing: $
1016
??Insurance: $
80
??Car expenses: $
258
??Utilities: $
100
??Phone, cable, internet: $
50
??Food, entertainment: $
150
??Clothing, household expenses $
100
??Credit cards and other loans: $
358
??Other expenses: $
0
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
470793
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount:
| $4,700.00 |
Prosper Rating:
| E |
Auction Duration:
| 7 days
|
Term:
| 36 months |
Estimated loss:
| 14.2% | | |
| | |
|
Starting lender yield:
| 24.00% |
Starting borrower rate/APR:
| 25.00% / 28.50% |
Starting monthly payment:
| $186.87 |
|
Auction yield range:
| 13.89% - 24.00% |
Estimated loss impact:
| 15.28% | | |
Lender servicing fee:
| 1.00% |
Estimated return:
| 8.72% | | |
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 score (1-10):
| 6 |
First credit line:
| Dec-2003 |
Debt/Income ratio:
| 20% |
Credit score:
| 640-659 (Aug-2010) |
Inquiries last 6m:
| 0 | Employment status: | Employed |
Now delinquent:
| 0 |
Current / open credit lines:
| 3
/
3 | Length of status: | 0y 3m |
Amount delinquent:
| $0 |
Total credit lines:
| 6 |
Occupation: | Scientist |
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $7,934 | Stated income: | $50,000-$74,999 |
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 99% | | |
| |
Homeownership:
| No | | |
Screen name:
| bold-wampum-farm |
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
Time to pay down the plastic debt
Purpose of loan:
This loan will be used to pay down my credit card debt.
My financial situation:
I am a good candidate for this loan because I have secure employment with a great history of paying all my bills on time. I just need a loan to get ahead and lock in a set payment instead of a variable rate credit card bill.
Monthly net income: $ 2900
Monthly expenses: $
??Housing: $ 800
??Insurance: $ 75
??Car expenses: $?150
??Utilities: $ ~100
??Phone, cable, internet: $ 90?
??Food, entertainment: $ 150
??Clothing, household expenses $?100
??Credit cards and other loans: $ ~800
??Other expenses: $ 100-150
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
470795
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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:
| 36.6% | | |
| | |
|
Starting lender yield:
| 22.95% |
Starting borrower rate/APR:
| 23.95% / 27.43% |
Starting monthly payment:
| $196.03 |
|
Auction yield range:
| 16.89% - 22.95% |
Estimated loss impact:
| 37.91% | | |
Lender servicing fee:
| 1.00% |
Estimated return:
| -14.96% | | |
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 score (1-10):
| 1 |
First credit line:
| Oct-1999 |
Debt/Income ratio:
| 29% |
Credit score:
| 740-759 (Aug-2010) |
Inquiries last 6m:
| 3 | Employment status: | Employed |
Now delinquent:
| 0 |
Current / open credit lines:
| 9
/
7 | Length of status: | 19y 11m |
Amount delinquent:
| $0 |
Total credit lines:
| 20 |
Occupation: | Other |
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $4,464 | Stated income: | $25,000-$49,999 |
Delinquencies in last 7y:
| 1 |
Bankcard utilization:
| 100% | | |
| |
Homeownership:
| Yes | | |
Screen name:
| spiritual-interest2 |
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 Medical Loan
Purpose of loan:
This loan will be used?pay off higher rate, 29.5%,?personal loan I had to take out last year because my husband received a liver transplant. He is doing excellent now!
My financial situation:
I am a good candidate for this loan because through hard work and dilegence I have done the following this past year:? 1. Increased my credit score over 80 points? 2. Paid off my 2006 car which I now own free and clear? 3. Refinanced my mortgage from 9.5% to 5% fixed rate. In addition my husband is now receiving SSDI and is able to pay for his insurance as well as our mortgage.I DID ALL OF THIS?EVEN WITH MY HUSBAND IN THE HOSPITAL ON AND OFF FOR 2 YEARS. I NEVER WAS LATE FOR ANY PAYMENT. He is doing fine now, and he is collecting over $2000 in SSDI every month.
Monthly net income: $ 2800
Monthly expenses: $ 1625
??Housing: $ 200
??Insurance: $?100
??Car expenses: $ 100 gas & upkeep
??Utilities: $ 250
??Phone, cable, internet: $ 125
??Food, entertainment: $ 200
??Clothing, household expenses $ 100
??Credit cards and other loans: $ 350-?This includes the loan I will be paying off.
??Other expenses: $ 200
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
470799
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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:
| 24.0% | | |
| | |
|
Starting lender yield:
| 34.00% |
Starting borrower rate/APR:
| 35.00% / 38.72% |
Starting monthly payment:
| $90.47 |
|
Auction yield range:
| 16.89% - 34.00% |
Estimated loss impact:
| 26.01% | | |
Lender servicing fee:
| 1.00% |
Estimated return:
| 7.99% | | |
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 score (1-10):
| 3 |
First credit line:
| Oct-1999 |
Debt/Income ratio:
| 29% |
Credit score:
| 680-699 (Jul-2010) |
Inquiries last 6m:
| 1 | Employment status: | Employed |
Now delinquent:
| 0 |
Current / open credit lines:
| 6
/
6 | Length of status: | 10y 5m |
Amount delinquent:
| $0 |
Total credit lines:
| 28 |
Occupation: | Other |
Public records last 12m / 10y:
| 0/ 1 |
Revolving credit balance:
| $2,115 | Stated income: | $25,000-$49,999 |
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 55% | | |
| |
Homeownership:
| No | | |
Screen name:
| gain-vibraphone |
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
My loan for debt consolidation
Purpose of loan:
This loan will be used to to help my family pay off some household bills so we can get on our feet.
My financial situation:
I am a good candidate for this loan because I don't have many bills per month and this would make it easier to consolidate the ones I do have into one payment.
Monthly net income: $ 2054.00
Monthly expenses: $
??Housing: $ 0.00
??Insurance: $ 0.00
??Car expenses: $?326.00
??Utilities: $ 0.00
??Phone, cable, internet: $ 0.00
??Food, entertainment: $?200.00
??Clothing, household expenses $ 100.00?
??Credit cards and other loans: $ 213.00
??Other expenses: $ 0.00????????
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
470801
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount:
| $7,500.00 |
Prosper Rating:
| HR |
Auction Duration:
| 7 days
|
Term:
| 36 months |
Estimated loss:
| 24.0% | | |
| | |
|
Starting lender yield:
| 34.00% |
Starting borrower rate/APR:
| 35.00% / 38.72% |
Starting monthly payment:
| $339.27 |
|
Auction yield range:
| 16.89% - 34.00% |
Estimated loss impact:
| 26.01% | | |
Lender servicing fee:
| 1.00% |
Estimated return:
| 7.99% | | |
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 score (1-10):
| 3 |
First credit line:
| May-1999 |
Debt/Income ratio:
| 31% |
Credit score:
| 660-679 (Aug-2010) |
Inquiries last 6m:
| 0 | Employment status: | Employed |
Now delinquent:
| 1 |
Current / open credit lines:
| 15
/
15 | Length of status: | 9y 3m |
Amount delinquent:
| $145 |
Total credit lines:
| 25 |
Occupation: | Other |
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $13,444 | Stated income: | $50,000-$74,999 |
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 80% | | |
| |
Homeownership:
| Yes | | |
Screen name:
| HopeToBeDebtFree |
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
Baby Coming - Pay of Credit Cards
I will use this loan to pay off my high interest credit cards, because we just found out that my wife is pregnant. I would really like have those credit cards gone by the time the baby arrives.
I would rather be paying you the interest than the credit card companies.
I am a good candidate for this loan because I am making all my credit card payments on time, I just can't pay enough extra on them to get the balances paid down. With this loan I will pay off those cards and the payments that I was making will be applied directly to this loan. Therefore I will have no problems making these payments in full and on time.
I see that my Prosper profile shows 1 delinquent account, I have no idea what that is, When I saw that I went through all of my accounts and double checked, all of my accounts are payed and current.
Monthly Net income = $4800 < Just my income My wife makes about $2000 a month
Mortgage = $1400
Vehicle Payments & Fuel= $600
Insurance = $250
Utilities, Cell Phones, Internet = $300
Clothing, household expenses = $100
Food, entertainment = $300
Current Credit cards and other loans = $450 After the loan this will be applied directly to the loan payment
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
470805
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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:
| 18.3% | | |
| | |
|
Starting lender yield:
| 20.00% |
Starting borrower rate/APR:
| 21.00% / 24.41% |
Starting monthly payment:
| $75.35 |
|
Auction yield range:
| 16.89% - 20.00% |
Estimated loss impact:
| 19.43% | | |
Lender servicing fee:
| 1.00% |
Estimated return:
| 0.57% | | |
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10):
| 4 |
First credit line:
| Sep-2004 |
Debt/Income ratio:
| Self-employed (DTI Not Calculated) |
Credit score:
| 620-639 (Aug-2010) |
Inquiries last 6m:
| 0 | Employment status: | Self-employed |
Now delinquent:
| 3 |
Current / open credit lines:
| 9
/
9 | Length of status: | 4y 6m |
Amount delinquent:
| $212 |
Total credit lines:
| 14 |
Occupation: | Other |
Public records last 12m / 10y:
| 0/ 1 |
Revolving credit balance:
| $1,249 | Stated income: | $25,000-$49,999 |
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 37% | | |
| |
Homeownership:
| Yes | | |
Screen name:
| Garethadr |
Borrower's state:
| Massachusetts |
Borrower's group:
| Vets helping Vets |
Credit and homeownership information was obtained 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:
| 32 ( 100% )
| 620-639 (Latest)
|
Principal borrowed:
| $6,727.00 | < 31 days late:
| 0
( 0% )
| 580-599
(Feb-2008)
640-659
(May-2006)
|
Principal balance:
| $0.00 |
31+ days late:
| 0
( 0% )
|
Total payments billed:
| 32 | | |
Description
Credit Card pay off and Heater core
Purpose of loan:
to pay off my credit cards and buy a heater core for my car,
My financial situation:
I am a good candidate for this loan because I am a 100% disabled veteran on a fixed income,? have 3 delinquencies that are an old cable bill, which I am current on, an electric bill which I am current on and an ambulance ride that my employer never covered
this is my current bank card utilization, I dont know where prosper gets their info
credit usedcredit limitutilization487750
0300
0300
0700
290650
1001200
205500
108244000.245909
Monthly net income: $
2950
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
470807
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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:
| 10.8% | | |
| | |
|
Starting lender yield:
| 28.00% |
Starting borrower rate/APR:
| 29.00% / 32.59% |
Starting monthly payment:
| $209.53 |
|
Auction yield range:
| 10.89% - 28.00% |
Estimated loss impact:
| 11.50% | | |
Lender servicing fee:
| 1.00% |
Estimated return:
| 16.50% | | |
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 score (1-10):
| 8 |
First credit line:
| Sep-1997 |
Debt/Income ratio:
| 13% |
Credit score:
| 660-679 (Aug-2010) |
Inquiries last 6m:
| 2 | Employment status: | Employed |
Now delinquent:
| 0 |
Current / open credit lines:
| 8
/
7 | Length of status: | 6y 10m |
Amount delinquent:
| $0 |
Total credit lines:
| 20 |
Occupation: | Tradesman - Mechani... |
Public records last 12m / 10y:
| 0/ 1 |
Revolving credit balance:
| $4,555 | Stated income: | $25,000-$49,999 |
Delinquencies in last 7y:
| 3 |
Bankcard utilization:
| 57% | | |
| |
Homeownership:
| No | | |
Screen name:
| openness-meadow |
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 bills-would like 1 bill
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 haven't been late on a payment in 2 years!
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
470813
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount:
| $1,500.00 |
Prosper Rating:
| HR |
Auction Duration:
| 7 days
|
Term:
| 36 months |
Estimated loss:
| 18.3% | | |
| | |
|
Starting lender yield:
| 34.00% |
Starting borrower rate/APR:
| 35.00% / 39.15% |
Starting monthly payment:
| $67.85 |
|
Auction yield range:
| 16.89% - 34.00% |
Estimated loss impact:
| 20.31% | | |
Lender servicing fee:
| 1.00% |
Estimated return:
| 13.69% | | |
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 score (1-10):
| 4 |
First credit line:
| Dec-1996 |
Debt/Income ratio:
| 11% |
Credit score:
| 640-659 (Aug-2010) |
Inquiries last 6m:
| 3 | Employment status: | Employed |
Now delinquent:
| 4 |
Current / open credit lines:
| 4
/
4 | Length of status: | 6y 8m |
Amount delinquent:
| $3,921 |
Total credit lines:
| 24 |
Occupation: | Accountant/CPA |
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $372 | Stated income: | $50,000-$74,999 |
Delinquencies in last 7y:
| 12 |
Bankcard utilization:
| 7% | | |
| |
Homeownership:
| No | | |
Screen name:
| builder144 |
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
school district emp. repaying debt
Purpose of loan:
This loan will be used to repay some high interest payday loans and? get out of the payday loan cycle.
My financial situation:
I am a good candidate for this loan because I hold a steady state government job in California. I have been with my current employer (a school district) for the past 7 years going strong. My household expenses are shared with my wife who holds a steady banking job. I believe I have the financial capacity to repay and look forward to getting out of the payday loan cycle and building a secure future for my family and self. Thanks in advance for your consideration.
Monthly net income: $ 4000
Monthly expenses: $ 400
??Housing: $1500
??Insurance: $40
??Car expenses: $200
??Utilities: $100
??Phone, cable, internet: $50
??Food, entertainment: $50
??Clothing, household expenses $200
??Credit cards and other loans: $100
??Other expenses: $150
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
470817
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount:
| $7,500.00 |
Prosper Rating:
| E |
Auction Duration:
| 7 days
|
Term:
| 36 months |
Estimated loss:
| 14.2% | | |
| | |
|
Starting lender yield:
| 13.89% |
Starting borrower rate/APR:
| 14.89% / 18.18% |
Starting monthly payment:
| $259.59 |
|
Auction yield range:
| 13.89% - 13.89% |
Estimated loss impact:
| 14.79% | | |
Lender servicing fee:
| 1.00% |
Estimated return:
| -0.90% | | |
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10):
| 5 |
First credit line:
| Jun-2006 |
Debt/Income ratio:
| 11% |
Credit score:
| 680-699 (Aug-2010) |
Inquiries last 6m:
| 5 | Employment status: | Employed |
Now delinquent:
| 0 |
Current / open credit lines:
| 19
/
15 | Length of status: | 3y 2m |
Amount delinquent:
| $0 |
Total credit lines:
| 24 |
Occupation: | Engineer - Electric... |
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $8,345 | Stated income: | $75,000-$99,999 |
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 22% | | |
| |
Homeownership:
| Yes | | |
Screen name:
| cerebral-euro0 |
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
Consolidation
Purpose of loan:
This loan will be used to?
My financial situation:
I am a good candidate for this loan because?
Monthly net income: $
Monthly expenses: $
??Housing: $
??Insurance: $
??Car expenses: $
??Utilities: $
??Phone, cable, internet: $
??Food, entertainment: $
??Clothing, household expenses $
??Credit cards and other loans: $
??Other expenses: $
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
470825
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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:
| 10.8% | | |
| | |
|
Starting lender yield:
| 26.50% |
Starting borrower rate/APR:
| 27.50% / 31.05% |
Starting monthly payment:
| $102.73 |
|
Auction yield range:
| 10.89% - 26.50% |
Estimated loss impact:
| 11.46% | | |
Lender servicing fee:
| 1.00% |
Estimated return:
| 15.04% | | |
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10):
| 5 |
First credit line:
| Jun-1990 |
Debt/Income ratio:
| Not calculated |
Credit score:
| 720-739 (Aug-2010) |
Inquiries last 6m:
| 1 | Employment status: | Not employed |
Now delinquent:
| 0 |
Current / open credit lines:
| 8
/
8 | Length of status: | 0y 4m |
Amount delinquent:
| $0 |
Total credit lines:
| 12 | Stated income: | Not employed |
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $256 | |
Delinquencies in last 7y:
| 5 |
Bankcard utilization:
| 0% | | |
| |
Homeownership:
| Yes | | |
Screen name:
| courageous-interest5 |
Borrower's state:
| Minnesota |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Description
pay off and catch up on bills
Purpose of loan:
This loan will be used to?
My financial situation:
I am a good candidate for this loan because?
Monthly net income: $
Monthly expenses: $
??Housing: $
??Insurance: $
??Car expenses: $
??Utilities: $
??Phone, cable, internet: $
??Food, entertainment: $
??Clothing, household expenses $
??Credit cards and other loans: $
??Other expenses: $
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
470827
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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:
| 18.3% | | |
| | |
|
Starting lender yield:
| 34.00% |
Starting borrower rate/APR:
| 35.00% / 38.72% |
Starting monthly payment:
| $226.18 |
|
Auction yield range:
| 16.89% - 34.00% |
Estimated loss impact:
| 20.31% | | |
Lender servicing fee:
| 1.00% |
Estimated return:
| 13.69% | | |
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 score (1-10):
| 5 |
First credit line:
| Jul-1995 |
Debt/Income ratio:
| 38% |
Credit score:
| 640-659 (Aug-2010) |
Inquiries last 6m:
| 0 | Employment status: | Employed |
Now delinquent:
| 0 |
Current / open credit lines:
| 8
/
7 | Length of status: | 5y 11m |
Amount delinquent:
| $0 |
Total credit lines:
| 16 |
Occupation: | Truck Driver |
Public records last 12m / 10y:
| 0/ 1 |
Revolving credit balance:
| $20,722 | Stated income: | $25,000-$49,999 |
Delinquencies in last 7y:
| 2 |
Bankcard utilization:
| 87% | | |
| |
Homeownership:
| No | | |
Screen name:
| upbeat-euro9 |
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 my credit cards
Purpose of loan:
This loan will be used to?to pay down some of my credit cards.?
My financial situation:
I am a good candidate for this loan because?I?been with the same company for 5 years and my company is a strong one.?
I am also starting a part-time job in two weeks.
Monthly net income: $
2100
Monthly expenses: $
??Housing: $ 350
??Insurance: $ 100
??Car expenses: $ 100
??Utilities: $ 200
??Phone, cable, internet: $ 50
??Food, entertainment: $ 100
??Clothing, household expenses $100
??Credit cards and other loans: $ 900
??Other expenses: $
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
470831
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount:
| $1,000.00 |
Prosper Rating:
| HR |
Auction Duration:
| 7 days
|
Term:
| 36 months |
Estimated loss:
| 24.0% | | |
| | |
|
Starting lender yield:
| 16.89% |
Starting borrower rate/APR:
| 17.89% / 23.60% |
Starting monthly payment:
| $36.10 |
|
Auction yield range:
| 16.89% - 16.89% |
Estimated loss impact:
| 24.93% | | |
Lender servicing fee:
| 1.00% |
Estimated return:
| -8.04% | | |
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10):
| 2 |
First credit line:
| Sep-1992 |
Debt/Income ratio:
| Self-employed (DTI Not Calculated) |
Credit score:
| 720-739 (Aug-2010) |
Inquiries last 6m:
| 2 | Employment status: | Self-employed |
Now delinquent:
| 0 |
Current / open credit lines:
| 5
/
4 | Length of status: | 3y 11m |
Amount delinquent:
| $0 |
Total credit lines:
| 38 |
Occupation: | Sales - Commission |
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $4,382 | Stated income: | $50,000-$74,999 |
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 54% | | |
| |
Homeownership:
| Yes | | |
Screen name:
| supreme-cash2 |
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
Help with business expenses
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
470839
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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:
| 14.2% | | |
| | |
|
Starting lender yield:
| 33.35% |
Starting borrower rate/APR:
| 34.35% / 38.06% |
Starting monthly payment:
| $134.61 |
|
Auction yield range:
| 13.89% - 33.35% |
Estimated loss impact:
| 15.74% | | |
Lender servicing fee:
| 1.00% |
Estimated return:
| 17.61% | | |
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10):
| 6 |
First credit line:
| Jan-1996 |
Debt/Income ratio:
| 18% |
Credit score:
| 660-679 (Jul-2010) |
Inquiries last 6m:
| 1 | Employment status: | Employed |
Now delinquent:
| 0 |
Current / open credit lines:
| 9
/
8 | Length of status: | 26y 10m |
Amount delinquent:
| $0 |
Total credit lines:
| 27 |
Occupation: | Civil Service |
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $30,107 | Stated income: | $50,000-$74,999 |
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 95% | | |
| |
Homeownership:
| Yes | | |
Screen name:
| cargo1 |
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
Credit Cards
Purpose of loan:
This loan will be used to??Help?pay off the low end credit cards.?
My financial situation:
I am a good candidate for this loan because? I have a steady job ( 26 yrs.) and have made all of my payments.
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
470841
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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:
| 10.8% | | |
| | |
|
Starting lender yield:
| 26.50% |
Starting borrower rate/APR:
| 27.50% / 31.05% |
Starting monthly payment:
| $410.94 |
|
Auction yield range:
| 10.89% - 26.50% |
Estimated loss impact:
| 11.46% | | |
Lender servicing fee:
| 1.00% |
Estimated return:
| 15.04% | | |
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10):
| 8 |
First credit line:
| May-1998 |
Debt/Income ratio:
| 11% |
Credit score:
| 700-719 (Aug-2010) |
Inquiries last 6m:
| 0 | Employment status: | Employed |
Now delinquent:
| 2 |
Current / open credit lines:
| 5
/
5 | Length of status: | 6y 0m |
Amount delinquent:
| $881 |
Total credit lines:
| 23 |
Occupation: | Professional |
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $5,331 | Stated income: | $50,000-$74,999 |
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 73% | | |
| |
Homeownership:
| Yes | | |
Screen name:
| pound-control |
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
Ebooks and Digital Publishing
Purpose of loan:
The purpose of this loan is to expand the client list of Imagenat, LLC, a creative consulting company focused on providing digital media management, production and promotion services to the literature community. Many of us prefer the feel of pages between our fingers but let's face it, ebooks won't go away. And publishers, will need to find new and creative ways to engage and inspire readers. Imagenat helps them do it.
To date, I have:
1. Grown an international following of eager consumers for our clients;
2.??Produced and marketed clients work;
3.? Contracted professional services in the areas of graphic design, programming, editing and marketing
4. Established in-kind partnerships with PR Firms and Marketing Firms
In the next year, Imageant is poised to grow a substantial consumer base and provide professional services to an expanding market of digital services for publishers large and small. i'm looking to raise start up capital to cover marketing and overhead.
My financial situation: I'm a good candidate for this loan because I am incredibly responsible with finances and have a stable amount of assets to cover my liabilities. In addition, this is a well poised venture led by a computer engineer and technologist, with over 8 years of experience in project management and art production.
In response to delinquent marks on my profile, an investigation has been opened with Equifax as one of these accounts (a medical bill totaling $881) is erroneous. The second is an account I own and maintain, but at one point in history let the balance reach 90% of threshold. That account is currently at 60%.
Like many of you, I am an expert bill payer and never back away from these responsibilities as evidenced by owning a home in New York City--a rarity among my peer group. As further equity, the value of my home is 40% higher than my buying price. I make safe, smart investments so investing in me ensures that you do as well.
Monthly net income: $ 4100
Monthly expenses: $ 2059
Housing: $ 1009
Insurance: $ 25
??
Car expenses: $ 0
??Utilities: $ 150
??Phone, cable, internet: $ 150
??Food, entertainment: $ 100
??Clothing, household expenses $ 75
??Credit cards and other loans: $ 350
??Other expenses: $ 200
Please ask questions--I'm happy to provide answers.
Thanks for your consideration!
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
470851
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount:
| $7,500.00 |
Prosper Rating:
| HR |
Auction Duration:
| 7 days
|
Term:
| 36 months |
Estimated loss:
| 24.0% | | |
| | |
|
Starting lender yield:
| 34.00% |
Starting borrower rate/APR:
| 35.00% / 38.72% |
Starting monthly payment:
| $339.27 |
|
Auction yield range:
| 16.89% - 34.00% |
Estimated loss impact:
| 26.01% | | |
Lender servicing fee:
| 1.00% |
Estimated return:
| 7.99% | | |
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 score (1-10):
| 2 |
First credit line:
| Jul-2002 |
Debt/Income ratio:
| 32% |
Credit score:
| 660-679 (Aug-2010) |
Inquiries last 6m:
| 4 | Employment status: | Employed |
Now delinquent:
| 0 |
Current / open credit lines:
| 8
/
8 | Length of status: | 4y 1m |
Amount delinquent:
| $0 |
Total credit lines:
| 22 |
Occupation: | Other |
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $4,014 | Stated income: | $75,000-$99,999 |
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 95% | | |
| |
Homeownership:
| Yes | | |
Screen name:
| cwatlue24 |
Borrower's state:
| California |
Borrower's group:
| 440+ Supporting Lenders. Get FUNDED @ LOWER % than ANY group |
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan history | Payment history | Credit score history |
Active / total loans:
| 1 / 2 |
On-time:
| 31 ( 100% )
| 660-679 (Latest)
|
Principal borrowed:
| $11,000.00 | < 31 days late:
| 0
( 0% )
| 640-659
(Sep-2009)
600-619
(Jan-2008)
|
Principal balance:
| $3,322.73 |
31+ days late:
| 0
( 0% )
|
Total payments billed:
| 31 | | |
Description
Transfer From Lending Club
I have a current loan through another peer to peer site called Lending Club. I am hoping to transfer my Lending Club loan over to prosper
in order to obtain a lower interest rate with a more affordable monthly payment. I am asking for 7,500 due to the? fact I have managed to
save? a little over 8,000 by cutting expenses?which will be applied to the lending club loan?saving me?over 220 dollars?and?leaving me with
just a prosper loan.. Details for the Lending Club loan are as follows: 18% interest rate, 36 month term with a $566.00 per month
payment. The initial amount for the loan was 16000.00 and my current balance is 14500 with all payments made on time through an
automatic withdraw from my bank account. I am hoping for a reduced interest rate of 10%. If I am funded through prosper, I would pay
off the Lending Club loan in full. I appreciate any support you would be able to provide and I am willing to answer any questions you may
have.
Link to Lending Club: If link does not work Copy directly into browser
https://www.lendingclub.com/browse/loanDetail.action?loan_id=487248
Finacial Breakdown:
Monthly income (after taxes): 4600
Mortgage: 1246.00
Utilities/Internet/Cable: 200
Cell Phone: 75.00Car
Insurance: 125.00
Credit Card Payments:? 150.00
Car Payments (2): 550.00
Loans: 744.00
Groceries: 250.00
Gas: 150.00
Total Expenses: 3490.00
Money left over: $1110.00
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
470855
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount:
| $8,000.00 |
Prosper Rating:
| D |
Auction Duration:
| 7 days
|
Term:
| 36 months |
Estimated loss:
| 10.8% | | |
| | |
|
Starting lender yield:
| 26.50% |
Starting borrower rate/APR:
| 27.50% / 31.05% |
Starting monthly payment:
| $328.75 |
|
Auction yield range:
| 10.89% - 26.50% |
Estimated loss impact:
| 11.46% | | |
Lender servicing fee:
| 1.00% |
Estimated return:
| 15.04% | | |
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10):
| 5 |
First credit line:
| Apr-2005 |
Debt/Income ratio:
| Not calculated |
Credit score:
| 740-759 (Aug-2010) |
Inquiries last 6m:
| 1 | Employment status: | Employed |
Now delinquent:
| 0 |
Current / open credit lines:
| 8
/
7 | Length of status: | 3y 0m |
Amount delinquent:
| $0 |
Total credit lines:
| 13 |
Occupation: | Realtor |
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $3,628 | Stated income: | $25,000-$49,999 |
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 31% | | |
| |
Homeownership:
| Yes | | |
Screen name:
| spirited-penny7 |
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
Real Estate Investment
Purpose of loan:
This loan will be used to?
Fund the downpayment for a rental property. Banks are very conservative these days, and are wary of providing a construction loan. They, rightfully so, require a downpayment. But after 6 months of seasoning (meaning having the property leased for 6 months), two banks that I have a relationship with will refinance a stabilized property on a longer term loan. They will refinance the home for the original loan amount plus the downpayment (which is still way under the appraised value). Thus, I will get my downpayment back and pay off my Prosper loan. This process will most likely take 9 months.
My financial situation:
I am a good candidate for this loan because?
Besides a $200 medical bill in college (5 years ago) that was paid late, I have never had a late payment on anything. I have a mortgage, three investment properties with a partner, and one investment property on my own.
I have 5 years of management and property rehabilitation experience dealing with every aspect of rental real estate. I currently manage 60 rental units. I have already financed a rental home in the same neighborhood where this property is located. I financed the first one myself. My first property is leased at $700/month. After the seasoning period, my payment will be less than $200/month.
Also, I have 10k in savings, which should ease any potential lender's minds. Because I only need the downpayment for a short term, I prefer to fund it with a short term loan, rather than my available cash. This will have the added beneift of increasing my Prosper score, which is very underrated at a D. I understand, however, that I need to pay my dues at a higher interest rate before I can be an AA borrower. Thanks for your consideration!
Monthly net income: $ 3700 (not including my wife's income or income from my first investment home)
Monthly expenses: $ 2000
??Housing: $ 1200
??Insurance: $ 100
??Car expenses: $100
??Utilities: $ 200
??Phone, cable, internet: $ 100
??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
470857
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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:
| 24.0% | | |
| | |
|
Starting lender yield:
| 34.00% |
Starting borrower rate/APR:
| 35.00% / 38.72% |
Starting monthly payment:
| $248.80 |
|
Auction yield range:
| 16.89% - 34.00% |
Estimated loss impact:
| 26.01% | | |
Lender servicing fee:
| 1.00% |
Estimated return:
| 7.99% | | |
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 score (1-10):
| 2 |
First credit line:
| Sep-1998 |
Debt/Income ratio:
| 27% |
Credit score:
| 660-679 (Aug-2010) |
Inquiries last 6m:
| 2 | Employment status: | Employed |
Now delinquent:
| 0 |
Current / open credit lines:
| 11
/
10 | Length of status: | 9y 10m |
Amount delinquent:
| $0 |
Total credit lines:
| 31 |
Occupation: | Nurse (RN) |
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $27,819 | Stated income: | $75,000-$99,999 |
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 0% | | |
| |
Homeownership:
| Yes | | |
Screen name:
| busyhsaandmom |
Borrower's state:
| Georgia |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan history | Payment history | Credit score history |
Active / total loans:
| 0 / 1 |
On-time:
| 35 ( 97% )
| 660-679 (Latest)
|
Principal borrowed:
| $4,500.00 | < 31 days late:
| 1
( 3% )
| 720-739
(Jul-2007)
|
Principal balance:
| $0.00 |
31+ days late:
| 0
( 0% )
|
Total payments billed:
| 36 | | |
Description
Hospitalization Pay Off
Purpose of loan:
This loan will be used to pay off medical bills from emergency surgery that my husband had earlier this year.
My financial situation:
I am a good candidate for this loan because I pay ALL my bills and since my last loan, I have had 2 promotions. Also I ran my credit prior to this listing (creditreport.com) and my score is now 746, which is higher than July 2007.
Monthly net income: $ 4200 - mine? 7000 - combined
Monthly expenses: $
??Housing: $?657
??Insurance: $ 200
??Car expenses: $1200
??Utilities: $?300
??Phone, cable, internet: $ 200?
??Food, entertainment: $ 200-300
??Clothing, household expenses $ 100-200 average?
??Credit cards and other loans: $ 500
??Other expenses: $
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
470861
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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:
| 9.8% | | |
| | |
|
Starting lender yield:
| 24.75% |
Starting borrower rate/APR:
| 25.75% / 29.26% |
Starting monthly payment:
| $160.63 |
|
Auction yield range:
| 10.89% - 24.75% |
Estimated loss impact:
| 10.41% | | |
Lender servicing fee:
| 1.00% |
Estimated return:
| 14.34% | | |
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10):
| 7 |
First credit line:
| Oct-2007 |
Debt/Income ratio:
| 10% |
Credit score:
| 700-719 (Aug-2010) |
Inquiries last 6m:
| 1 | Employment status: | Employed |
Now delinquent:
| 0 |
Current / open credit lines:
| 3
/
3 | Length of status: | 10y 4m |
Amount delinquent:
| $0 |
Total credit lines:
| 4 |
Occupation: | Other |
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $330 | Stated income: | $25,000-$49,999 |
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 5% | | |
| |
Homeownership:
| No | | |
Screen name:
| liberty-dancer |
Borrower's state:
| Missouri |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan history | Payment history | Credit score history |
Active / total loans:
| 1 / 1 |
On-time:
| 9 ( 100% )
| 700-719 (Latest)
|
Principal borrowed:
| $1,500.00 | < 31 days late:
| 0
( 0% )
| 660-679
(Oct-2009)
|
Principal balance:
| $1,207.23 |
31+ days late:
| 0
( 0% )
|
Total payments billed:
| 9 | | |
Description
paying off baby hospital bills
Purpose of loan:
This loan will be used to? pay off hospital bills from my newborn.
My financial situation:
I am a good candidate for this loan because? I do not have any other large monthly payments.?
Monthly net income: $
Monthly expenses: $
??Housing: $?0??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
470873
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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:
| 36.6% | | |
| | |
|
Starting lender yield:
| 34.00% |
Starting borrower rate/APR:
| 35.00% / 38.72% |
Starting monthly payment:
| $226.18 |
|
Auction yield range:
| 16.89% - 34.00% |
Estimated loss impact:
| 38.61% | | |
Lender servicing fee:
| 1.00% |
Estimated return:
| -4.61% | | |
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10):
| 1 |
First credit line:
| Aug-2004 |
Debt/Income ratio:
| 22% |
Credit score:
| 660-679 (Jul-2010) |
Inquiries last 6m:
| 1 | Employment status: | Employed |
Now delinquent:
| 4 |
Current / open credit lines:
| 9
/
5 | Length of status: | 3y 6m |
Amount delinquent:
| $754 |
Total credit lines:
| 23 |
Occupation: | Retail Management |
Public records last 12m / 10y:
| 0/ 1 |
Revolving credit balance:
| $0 | Stated income: | $1-$24,999 |
Delinquencies in last 7y:
| 10 |
Bankcard utilization:
| 0% | | |
| |
Homeownership:
| No | | |
Screen name:
| restless-income8 |
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 bad debts
Purpose of loan:
This loan will be used to pay off old debts.
My financial situation:
I am a good candidate for this loan because I now have a stable income.
Monthly net income: $
1400
Monthly expenses: $
??Housing: $
675
??Insurance: $
90
??Car expenses: $
0 ????
??Utilities: $
39
??Phone, cable, internet: $
40
??Food, entertainment: $
50
??Clothing, household expenses $
20
??Credit cards and other loans: $
0
??Other expenses: $
0
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
470875
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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:
| 36.6% | | |
| | |
|
Starting lender yield:
| 34.00% |
Starting borrower rate/APR:
| 35.00% / 38.72% |
Starting monthly payment:
| $90.47 |
|
Auction yield range:
| 16.89% - 34.00% |
Estimated loss impact:
| 38.61% | | |
Lender servicing fee:
| 1.00% |
Estimated return:
| -4.61% | | |
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10):
| 1 |
First credit line:
| Apr-2002 |
Debt/Income ratio:
| 446% |
Credit score:
| 660-679 (Aug-2010) |
Inquiries last 6m:
| 0 | Employment status: | Employed |
Now delinquent:
| 3 |
Current / open credit lines:
| 2
/
2 | Length of status: | 4y 8m |
Amount delinquent:
| $4,698 |
Total credit lines:
| 28 |
Occupation: | Teacher's Aide |
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $0 | Stated income: | $1-$24,999 |
Delinquencies in last 7y:
| 2 |
Bankcard utilization:
| 0% | | |
| |
Homeownership:
| No | | |
Screen name:
| progressive-benefit8 |
Borrower's state:
| NewYork |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Description
I need some help!!!!!!!!!!!!!!!!!
Purpose of loan:
This loan will be used to catch to some bills that have overwelmed me ?
My financial situation:
I am a good candidate for this loan because it will help me out and allow some breathing room?
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
470881
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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:
| 10.8% | | |
| | |
|
Starting lender yield:
| 26.50% |
Starting borrower rate/APR:
| 27.50% / 31.05% |
Starting monthly payment:
| $205.47 |
|
Auction yield range:
| 10.89% - 26.50% |
Estimated loss impact:
| 11.46% | | |
Lender servicing fee:
| 1.00% |
Estimated return:
| 15.04% | | |
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10):
| 6 |
First credit line:
| Mar-1995 |
Debt/Income ratio:
| 31% |
Credit score:
| 700-719 (Aug-2010) |
Inquiries last 6m:
| 2 | Employment status: | Employed |
Now delinquent:
| 2 |
Current / open credit lines:
| 11
/
10 | Length of status: | 2y 10m |
Amount delinquent:
| $7,170 |
Total credit lines:
| 17 |
Occupation: | Sales - Retail |
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $6,749 | Stated income: | $50,000-$74,999 |
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 55% | | |
| |
Homeownership:
| No | | |
Screen name:
| sturdy-economy8 |
Borrower's state:
| NewYork |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Description
Paying off debt
Purpose of loan: This loan will be used to pay off debt from going back to school and home improvement expenses which I did not want another credit card for. I took out half the money on a state loan and the rest I will pay in full the amount still owed. I would also like to pay off credit card debt as well.
My financial situation: I am a good candidate for this loan because I pay my bills on time, have a very steady job, and am highly motivated to improve my credit rating as well. I have one bad debt from the past due to identity theft and having been trying to fight it for a few years, the debt is actually past statue of limitations and it has been reported to the credit report agencies. When I contacted the collection company to fight it, they re-instated the debt, which is against the law.
Monthly net income: $ 2,920 after tax My husband?s salary is $3,600 per month after tax as well
Monthly expenses: $ ??Housing: $ 600??Insurance: $ 160??Car expenses: $ 473??Utilities: $ 0??Phone, cable, internet: $ 0??Food, entertainment: $ 100??Clothing, household expenses $ 100??Credit cards and other loans: $ 659
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
470911
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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:
| 14.2% | | |
| | |
|
Starting lender yield:
| 31.50% |
Starting borrower rate/APR:
| 32.50% / 36.16% |
Starting monthly payment:
| $153.41 |
|
Auction yield range:
| 13.89% - 31.50% |
Estimated loss impact:
| 15.65% | | |
Lender servicing fee:
| 1.00% |
Estimated return:
| 15.85% | | |
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10):
| 5 |
First credit line:
| May-2003 |
Debt/Income ratio:
| 26% |
Credit score:
| 660-679 (Jul-2010) |
Inquiries last 6m:
| 2 | Employment status: | Employed |
Now delinquent:
| 0 |
Current / open credit lines:
| 14
/
14 | Length of status: | 3y 11m |
Amount delinquent:
| $0 |
Total credit lines:
| 25 |
Occupation: | Engineer - Mechanic... |
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $9,713 | Stated income: | $50,000-$74,999 |
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 84% | | |
| |
Homeownership:
| Yes | | |
Screen name:
| debt-free22 |
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
Consolidating debt!
Purpose of loan:
This loan will be used to pay off a huge chunk of all my unsecured credit card debit. Currently with these high interest rates it will take 15+ years making the minimum payments.
My financial situation:
I am a good candidate for this loan because I pay all my bills 100% on time and would do anything possible to ensure all my bills are paid. I have a great job with complete job security.
Monthly net income: $
3,800
Monthly expenses: $ 2,400
??Housing: $
550
??Insurance: $
90
??Car expenses: $
500
??Utilities: $
150
??Phone, cable, internet: $
60
??Food, entertainment: $
150
??Clothing, household expenses $
100
??Credit cards and other loans: $ 600
??Other expenses: $
400
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
470917
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount:
| $15,000.00 |
Prosper Rating:
| D |
Auction Duration:
| 7 days
|
Term:
| 36 months |
Estimated loss:
| 10.8% | | |
| | |
|
Starting lender yield:
| 11.00% |
Starting borrower rate/APR:
| 12.00% / 15.23% |
Starting monthly payment:
| $498.21 |
|
Auction yield range:
| 10.89% - 11.00% |
Estimated loss impact:
| 11.03% | | |
Lender servicing fee:
| 1.00% |
Estimated return:
| -0.03% | | |
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10):
| 5 |
First credit line:
| Nov-1996 |
Debt/Income ratio:
| 29% |
Credit score:
| 720-739 (Aug-2010) |
Inquiries last 6m:
| 1 | Employment status: | Employed |
Now delinquent:
| 0 |
Current / open credit lines:
| 22
/
20 | Length of status: | 9y 6m |
Amount delinquent:
| $0 |
Total credit lines:
| 36 |
Occupation: | Other |
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $78,452 | Stated income: | $100,000+ |
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 84% | | |
| |
Homeownership:
| Yes | | |
Screen name:
| rose3 |
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
Excellent Credit- for Amex Payoff
Purpose of loan:
This loan will be used to pay off American Express credit card currently at 19.99%. American Express is not working with borrowers?to bring down rates unless in a dire hardship?and I want to take control of my debt and pay if off, not just pay the interest.
My financial situation:
I am a good candidate for this loan because I am committed to preserving my credit rating of over 720 FICO score. I will pay this loan back,
I have NEVER EVER been late on any of my trade lines.
I had to use my credit lines to keep one of my rental homes afloat. I was going to move into the home but decided to stay in San Francisco because my employment here is very stable. Now my rental home has had very good tenants, I need to slowly attack the debt I accumulated in order to preserve the homes and my credit score.? I succeeded in keeping my homes, in?order to?move forward?I have to pay back my unsecured loans with a fully amortized installment loan, I won't get ahead with a credit card and interest-only loan at 19.99%. Hence I am hoping for a Personal Loan to pay off Amex.
I am and have?been steadily and gainfully employed as a Bank Manager for the last 10 years?in one of the top banks?the San Francisco area. My job is secure, stable, and likely to continue. I am a top producer, top of the ranks in the nation.?I am in no danger of getting laid off (others would get laid off before me because we base such decisions on productivity). I also also an NASD-licensed person, so preserving my credit is critical to me?in my credibility in my job, which is why you will be guaranteed I will never be in default, because going into default will adversely affect my U-4. Please see my profile I have not had any delinquencies, in with over 36 trade lines.? My mortgages and my revolving credit lines are all ON TIME!
I will be a good investment for you. I just don't want to keep paying American Express up the nose in interest!
Monthly net income:? Gross Annual is $108,000 with a base salary of $95,000. Historically over the last 3 years, I have been earning $103,000 (2008) $102,000 (2009) and on track for 2010 to be at $108,000 ($90 base plus $18 k in bonus already earned)
$ 4775.00 (take home) plus rental income of? 1) $1595 and? 2) $1295
Monthly expenses: $
??Housing: $?1 (relative pays the housing expense)
??Insurance: $?60
??Car expenses: $50 (owned and paid off) Gas expense
??Utilities: $50
??Phone, cable, internet: $ 50 (paid by relative)
??Food, entertainment: $?200
??Clothing, household expenses $?100
??Credit cards and other loans: $ 1500?(this loan will be consolidated)
??Other expenses: $ 20
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
459156
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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:
| D |
Auction Duration:
| 7 days
|
Term:
| 36 months |
Estimated loss:
| 10.8% | | |
| | |
|
Starting lender yield:
| 26.50% |
Starting borrower rate/APR:
| 27.50% / 31.05% |
Starting monthly payment:
| $349.30 |
|
Auction yield range:
| 10.89% - 26.50% |
Estimated loss impact:
| 11.46% | | |
Lender servicing fee:
| 1.00% |
Estimated return:
| 15.04% | | |
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10):
| 8 |
First credit line:
| Apr-1997 |
Debt/Income ratio:
| 15% |
Credit score:
| 640-659 (Aug-2010) |
Inquiries last 6m:
| 0 | Employment status: | Employed |
Now delinquent:
| 0 |
Current / open credit lines:
| 14
/
14 | Length of status: | 6y 10m |
Amount delinquent:
| $0 |
Total credit lines:
| 30 |
Occupation: | Executive |
Public records last 12m / 10y:
| 0/ 2 |
Revolving credit balance:
| $13,429 | Stated income: | $100,000+ |
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 89% | | |
| |
Homeownership:
| Yes | | |
Screen name:
| johnsongood |
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
My loan for debt consolidation
Purpose of loan:
This loan will be used to? By consolidating my monthly bills this loan will reduce my monthly payments by $1,200.00 dollars.
My financial situation:
I am a?great candidate for this loan because? My credit is outstanding with no history of late payments.
Monthly net income: $ $7,400.00
Monthly expenses: $ 5,215.00
??Housing: $ $900.00
??Insurance: $ $175.00
??Car expenses: $ 700.00
??Utilities: $ $190.00
??Phone, cable, internet: $ $250.00
??Food, entertainment: $ $400.00
??Clothing, household expenses $ $200.00
??Credit cards and other loans: $ 1,000.00
??Other expenses: $ $500.00
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
465118
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount:
| $1,000.00 |
Prosper Rating:
| HR |
Auction Duration:
| 7 days
|
Term:
| 36 months |
Estimated loss:
| 18.3% | | |
| | |
|
Starting lender yield:
| 34.00% |
Starting borrower rate/APR:
| 35.00% / 41.35% |
Starting monthly payment:
| $45.24 |
|
Auction yield range:
| 16.89% - 34.00% |
Estimated loss impact:
| 20.31% | | |
Lender servicing fee:
| 1.00% |
Estimated return:
| 13.69% | | |
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 score (1-10):
| 4 |
First credit line:
| Dec-1994 |
Debt/Income ratio:
| 29% |
Credit score:
| 640-659 (Aug-2010) |
Inquiries last 6m:
| 3 | Employment status: | Employed |
Now delinquent:
| 0 |
Current / open credit lines:
| 15
/
11 | Length of status: | 4y 4m |
Amount delinquent:
| $0 |
Total credit lines:
| 31 |
Occupation: | Professional |
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $14,525 | Stated income: | $25,000-$49,999 |
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 67% | | |
| |
Homeownership:
| No | | |
Screen name:
| onflight1978 |
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 interest loan
Purpose of loan:
This loan will be used to?
Pay off a loan that has a very high interest rate.? This would allow me to pay it off faster.
My financial situation:
I am a good candidate for this loan because?
I have never been late or delinquent on any of my bills.? I have a secure job.? If approved for this loan, my goal is to pay it off very fast.
Monthly?gross income: $
3720.00
My TransUnion score is 697 as of 7/21/10.
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
465296
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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:
| 10.8% | | |
| | |
|
Starting lender yield:
| 26.50% |
Starting borrower rate/APR:
| 27.50% / 31.05% |
Starting monthly payment:
| $410.94 |
|
Auction yield range:
| 10.89% - 26.50% |
Estimated loss impact:
| 11.46% | | |
Lender servicing fee:
| 1.00% |
Estimated return:
| 15.04% | | |
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10):
| 5 |
First credit line:
| Dec-1998 |
Debt/Income ratio:
| 28% |
Credit score:
| 760-779 (Aug-2010) |
Inquiries last 6m:
| 3 | Employment status: | Employed |
Now delinquent:
| 0 |
Current / open credit lines:
| 20
/
15 | Length of status: | 1y 4m |
Amount delinquent:
| $0 |
Total credit lines:
| 42 |
Occupation: | Sales - Retail |
Public records last 12m / 10y:
| 0/ 1 |
Revolving credit balance:
| $23,374 | Stated income: | $75,000-$99,999 |
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 50% | | |
| |
Homeownership:
| Yes | | |
Screen name:
| Debt-Free-Future |
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
My loan for debt consolidation
I am
simply trying to pay off and consolidate my high interest rate credit cards,
but more importantly I am motivated to fight back against banks and their
abusive credit card practices. ?Even though new consumer protection
regulations have recently become law, many of you have probably either received
or know of someone who has received an inexplicable and completely unjustified
credit card rate increase over the past year.? The banks try to hide the
rate increase in fine print in an otherwise innocent letter, and then they act
aloof and put you on hold for 30 minutes when you call seeking an explanation!
?Undeniably this is foul play, and utterly unethical business
practice.? Prosper is an incredibly powerful system for fighting this abuse,
and I want to participate in promoting this wonderful alternative.?
Obviously I am starting as a borrower, but I hope to eventually become a lender
and help others as soon as I can.??? My financial situation: I have been in the same steady Industry for over
9 years now. My payments are always on time. I do have 1 public record on my
credit bureau? from about 9 years ago when my parents cosigned for me a
student loan. They had to file bankruptcy due to bad business partner. Since my
name was on the student loan it showed up on my bureau as well. I'm looking to
pay this loan back with 18 months
Monthly net income: $6500
Monthly expenses: $4564?
Housing: $1849 (Mortgage)??
Insurance: $95
Car expenses: $500 ?
Utilities: $50
Phone, cable, internet: $70?
Food, entertainment: $300.00??
Clothing, household expenses $100?
Credit cards: $1100
Other expenses: 401k? $500 a month
Thanks for your time and consideration.? Please don't hesitate to ask any
questions.
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
468728
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount:
| $7,500.00 |
Prosper Rating:
| HR |
Auction Duration:
| 7 days
|
Term:
| 36 months |
Estimated loss:
| 24.0% | | |
| | |
|
Starting lender yield:
| 34.00% |
Starting borrower rate/APR:
| 35.00% / 38.72% |
Starting monthly payment:
| $339.27 |
|
Auction yield range:
| 16.89% - 34.00% |
Estimated loss impact:
| 26.01% | | |
Lender servicing fee:
| 1.00% |
Estimated return:
| 7.99% | | |
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 score (1-10):
| 2 |
First credit line:
| Aug-2002 |
Debt/Income ratio:
| 32% |
Credit score:
| 660-679 (Jul-2010) |
Inquiries last 6m:
| 0 | Employment status: | Employed |
Now delinquent:
| 0 |
Current / open credit lines:
| 2
/
2 | Length of status: | 4y 0m |
Amount delinquent:
| $0 |
Total credit lines:
| 4 |
Occupation: | Clerical |
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $0 | Stated income: | $25,000-$49,999 |
Delinquencies in last 7y:
| 3 |
Bankcard utilization:
| 0% | | |
| |
Homeownership:
| No | | |
Screen name:
| lor_edu54 |
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
IN SEARCH OF THE AMERICAN DREAM!
Purpose of loan:
This loan will be used to help me acheive a dream of mine to be a first time home owner! I need this loan to be able to cover the remaining cost of purching the manufactured home that I would like to own. I know that I might never have enough money to afford a $300,000 home in California. So I feel that it is?in my best interest to?purchase this manufactured home that I am interested in?because it's probably the?closest thing my family?will ever have to be able to afford to own. I am in search of what many people call the American Dream and I just need a little assistance in the means to do so. I know that applying for this loan through this website is a slim chance at me getting funded however I am not a person that easily gives up and I am trying my best to be responsible and make a better way for my family. I haven't gave up hope in people. I know that this site is centered around others not only making money off of lending to others but it is also about people giving others the oppurtunity to "Prosper"! I hope that some one reading my listing will be willing to take a chance at lending to me because I am an honorable person that is not looking for a hand out just a person looking for a little help with making a better life for my family. I look forward to lending from a good person that is intersted in being a part of making a once in a life time opportuniy possible for another. I have faith in people that even in tough times like this economic recession that those with?means can lend a hand to others with out. God Bless.?
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
470628
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount:
| $2,000.00 |
Prosper Rating:
| B |
Auction Duration:
| 7 days
|
Term:
| 36 months |
Estimated loss:
| 6.0% | | |
| | |
|
Starting lender yield:
| 14.15% |
Starting borrower rate/APR:
| 15.15% / 17.88% |
Starting monthly payment:
| $69.48 |
|
Auction yield range:
| 5.89% - 14.15% |
Estimated loss impact:
| 6.19% | | |
Lender servicing fee:
| 1.00% |
Estimated return:
| 7.96% | | |
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10):
| 8 |
First credit line:
| Jan-1985 |
Debt/Income ratio:
| 44% |
Credit score:
| 760-779 (Aug-2010) |
Inquiries last 6m:
| 0 | Employment status: | Employed |
Now delinquent:
| 0 |
Current / open credit lines:
| 18
/
18 | Length of status: | 20y 4m |
Amount delinquent:
| $0 |
Total credit lines:
| 46 |
Occupation: | Executive |
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $4,745 | Stated income: | $50,000-$74,999 |
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 7% | | |
| |
Homeownership:
| No | | |
Screen name:
| bright-yield9 |
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 credit cards and cash
Purpose of loan:
This loan will be used to? pay off some credit cards and some cash
My financial situation:
I am a good candidate for this loan because? I work hard
Monthly net income: $ 2500
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
470664
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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:
| 18.3% | | |
| | |
|
Starting lender yield:
| 30.00% |
Starting borrower rate/APR:
| 31.00% / 34.63% |
Starting monthly payment:
| $215.01 |
|
Auction yield range:
| 16.89% - 30.00% |
Estimated loss impact:
| 20.06% | | |
Lender servicing fee:
| 1.00% |
Estimated return:
| 9.94% | | |
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 score (1-10):
| 6 |
First credit line:
| Jun-2005 |
Debt/Income ratio:
| 19% |
Credit score:
| 640-659 (Aug-2010) |
Inquiries last 6m:
| 0 | Employment status: | Employed |
Now delinquent:
| 0 |
Current / open credit lines:
| 3
/
3 | Length of status: | 1y 5m |
Amount delinquent:
| $0 |
Total credit lines:
| 8 |
Occupation: | Other |
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $5,520 | Stated income: | $25,000-$49,999 |
Delinquencies in last 7y:
| 3 |
Bankcard utilization:
| 92% | | |
| |
Homeownership:
| No | | |
Screen name:
| LOOKER4 |
Borrower's state:
| Hawaii |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Description
Expenses for wedding
The purpose of this loan is to pay for some of my remaining wedding expenses which is set for October of this year.? Me and my fiance can easily make the monthly payments with our current jobs.? I make $30,000/year and she makes about the same.? We are both very credit worthy people though my score may not reflect that.? I have two credit cards which I utilize, but besides that I have no other debts.? No student loans, personal loans, etc.? We also forsee receiving money from our wedding which we could also use part of to pay back on this loan.? I have been a lender on Prosper for a few years but have never asked for a loan.? I hope that the Prosper community can help me and my fiance's wedding dreams come true!? I will answer ANY and ALL questions or concerns people may have regarding this loan.? Thank you for taking the time to look at our listing!
Monthly expenses: $
??Housing: $ 0 (luckily we are living with my fiance's parents unitl after the?wedding)
??Insurance: $ 127 car insurance
??Car expenses: $ 100 gas
Utilities: $ 0
??Phone, cable, internet: $ 85
??Food, entertainment: $ ???
??Clothing, household expenses $ 100
??Credit cards and other loans: $ 108
??Other expenses: $
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
470692
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount:
| $3,100.00 |
Prosper Rating:
| HR |
Auction Duration:
| 7 days
|
Term:
| 36 months |
Estimated loss:
| 24.0% | | |
| | |
|
Starting lender yield:
| 21.00% |
Starting borrower rate/APR:
| 22.00% / 25.43% |
Starting monthly payment:
| $118.39 |
|
Auction yield range:
| 16.89% - 21.00% |
Estimated loss impact:
| 25.19% | | |
Lender servicing fee:
| 1.00% |
Estimated return:
| -4.19% | | |
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10):
| 3 |
First credit line:
| May-1993 |
Debt/Income ratio:
| 64% |
Credit score:
| 760-779 (Aug-2010) |
Inquiries last 6m:
| 1 | Employment status: | Employed |
Now delinquent:
| 1 |
Current / open credit lines:
| 7
/
7 | Length of status: | 1y 2m |
Amount delinquent:
| $2,807 |
Total credit lines:
| 34 |
Occupation: | Computer Programmer |
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $604 | Stated income: | $25,000-$49,999 |
Delinquencies in last 7y:
| 20 |
Bankcard utilization:
| 40% | | |
| |
Homeownership:
| Yes | | |
Screen name:
| Buffbenn |
Borrower's state:
| Florida |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan history | Payment history | Credit score history |
Active / total loans:
| 1 / 1 |
On-time:
| 27 ( 96% )
| 760-779 (Latest)
|
Principal borrowed:
| $8,700.00 | < 31 days late:
| 1
( 4% )
| 680-699
(Mar-2008)
|
Principal balance:
| $2,239.76 |
31+ days late:
| 0
( 0% )
|
Total payments billed:
| 28 | | |
Description
paying off credit cards
Purpose of loan:
This loan will be used to consolidate credit card bills
My financial situation:
Hello I am trying to fund a loan today to consolidate my credit card bill and other debt. As I am sure you are aware the economy took a turn for the worst 3 years ago and I was definitely one of the casualties in the job market. I re-trained in another field and now I have been working for apple for over a year. During that time I had to let some bills get behind because of having to prioritize some of the bills over others. I am also supplying some reasons why I would be a good candidate to fund this loan:
? I have set up a budget for the next 3 years and have the proper funds to pay off loan
? I have very good job security with Apple and plan to be with them for a long time
? I currently have a prosper loan that will be paid off by April 2011
? My wife helps and pays 50% of all monthly bills
Monthly gross income with wife: $ 6300
Monthly expenses: $ 3950
Housing: $ 687
Insurance: $
Car expenses and Insurance: $ 544
Utilities: $ 591
Phone, cable, Internet: $ 125
Food, entertainment: $ 200
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
470696
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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:
| 24.0% | | |
| | |
|
Starting lender yield:
| 34.00% |
Starting borrower rate/APR:
| 35.00% / 38.72% |
Starting monthly payment:
| $294.03 |
|
Auction yield range:
| 16.89% - 34.00% |
Estimated loss impact:
| 26.01% | | |
Lender servicing fee:
| 1.00% |
Estimated return:
| 7.99% | | |
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 score (1-10):
| 3 |
First credit line:
| Dec-2004 |
Debt/Income ratio:
| Self-employed (DTI Not Calculated) |
Credit score:
| 720-739 (Aug-2010) |
Inquiries last 6m:
| 0 | Employment status: | Self-employed |
Now delinquent:
| 0 |
Current / open credit lines:
| 2
/
1 | Length of status: | 0y 7m |
Amount delinquent:
| $0 |
Total credit lines:
| 4 |
Occupation: | Student - College S... |
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $3,596 | Stated income: | $1-$24,999 |
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 35% | | |
| |
Homeownership:
| No | | |
Screen name:
| community-doughnut |
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
Money for Senior Year of College
The purpose of this loan is to fund my senior year of college. After various other loans and grants and from the money earned from this summer I will still be short $6,500. I will be working next year during school so making the monthly payments should not be a problem. I also sell authentic jerseys to people at school and have been doing it for approximately seven months making around $500-750 in profit a month.
I am a good candidate for this loan because I am a double major in Accounting & Finance at Indiana University in Bloomington, IN. I am a member of the Kelley School of Business which is ranked #19 (#7 for public schools) in the United States for undergraduate business schools. The median salary for graduating seniors is $52,000 and a job placement of 93%. I will be graduating this May with a GPA of 3.2-3.4 depending on how well I do this year and my goal is to get a job with one of the big four accounting firms. I am also taking the LSAT in October just to keep my options open if I were to do extremely well on that. I love both accounting and finance and one of the reasons I chose an accounting degree is because no matter how poor the economy is you are always going to need accountants so it should not be hard for me to find a job next year.
I also feel I am a good candidate because I have a good credit score especially for a 21 year old where most of my friends don't even have credit scores. It shows that I am a reliable and responsible adult that has consistently making payments for expenses for quite some time now. I just need this loan so I can finish out my senior year and get a good job. With my combination of great credit score, income being generated from next years job and jersey sales, and future accounting job next year I consider this a great listing to bid on.
I am also very well educated in finance. From my studies, I would consider this one of the best investments you can make. A 34% return on investment is an absolutely astonishing figure and one I wish I could get my hands on. I understand every investment has "risk" but I would consider this as comparable to investing in a US Treasury Bill which essentially has no risk. I will be working 20 hours a week next year and also selling authentic jerseys so that would easily cover the $300 a month payment, and that is still considering if the yield remains at 34%. I feel the 34% return should fall but if it doesn't then I would consider this a steal of an investment for you as you will be paid in full by next August.
Thank you for your time and good luck bidding
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
470706
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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:
| 24.0% | | |
| | |
|
Starting lender yield:
| 34.00% |
Starting borrower rate/APR:
| 35.00% / 38.72% |
Starting monthly payment:
| $158.33 |
|
Auction yield range:
| 16.89% - 34.00% |
Estimated loss impact:
| 26.01% | | |
Lender servicing fee:
| 1.00% |
Estimated return:
| 7.99% | | |
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 score (1-10):
| 2 |
First credit line:
| Jan-2003 |
Debt/Income ratio:
| 23% |
Credit score:
| 740-759 (Aug-2010) |
Inquiries last 6m:
| 11 | Employment status: | Employed |
Now delinquent:
| 0 |
Current / open credit lines:
| 6
/
6 | Length of status: | 3y 11m |
Amount delinquent:
| $0 |
Total credit lines:
| 8 |
Occupation: | Military Enlisted |
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $153 | Stated income: | $25,000-$49,999 |
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 0% | | |
| |
Homeownership:
| No | | |
Screen name:
| principal-tostada7 |
Borrower's state:
| RhodeIsland |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Description
Help me ! car for work and school
Purpose of loan:
This loan will be used to buy a car.-I need a car ASAP, I own a 2001 vw jetta, and it has so many problems. I already had to spend over 1500 dollars getting the car fixed. My car right now needs alot of fixing and It already has 156k miles , so no reason to spend alot more money than I already have.. I already listed a loan before but it did not get funded fully.
I can't get a loan from a bank because I do not have enough of an established credit, although my credit score is fair. I am also not asking to borrow enough to get a car loan. It would be so great if I could get this loan funded. I have not missed a payment on my credit card, or any loans in the past.
I am a good candidate for this loan because I have very little monthly spending.
My school is all paid off- I spent all the money I saved from part time- full time jobs in the past to pay off school, so that's one less thing I have to worry about, I have 2 jobs. I am in the US army, and I work part- time at a coffee shop. My entertainment/ extra expenses are very low due to the fact that I go to school full time, and work.
Monthly net income: $1989.65
Monthly expenses: $ Monthly expenses are less than 500 dollars . Hate to say this, but I still live at my parents house, and I don't pay anything (Groceries, utilities....etc)
??Housing: $ 0
??Insurance: $ 89
??Car expenses: $ Gas- 120 monthly (school and work, all within 6 mile distance)
??Utilities: $ 0
??Phone, cable, internet: $
??Credit cards and other loans: $ No balance on credit card at the moment
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
470718
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount:
| $5,500.00 |
Prosper Rating:
| A |
Auction Duration:
| 7 days
|
Term:
| 36 months |
Estimated loss:
| 3.5% | | |
| | |
|
Starting lender yield:
| 10.15% |
Starting borrower rate/APR:
| 11.15% / 13.27% |
Starting monthly payment:
| $180.45 |
|
Auction yield range:
| 3.89% - 10.15% |
Estimated loss impact:
| 3.53% | | |
Lender servicing fee:
| 1.00% |
Estimated return:
| 6.62% | | |
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 score (1-10):
| 9 |
First credit line:
| May-2003 |
Debt/Income ratio:
| 11% |
Credit score:
| 720-739 (Jul-2010) |
Inquiries last 6m:
| 1 | Employment status: | Employed |
Now delinquent:
| 0 |
Current / open credit lines:
| 6
/
5 | Length of status: | 5y 0m |
Amount delinquent:
| $0 |
Total credit lines:
| 11 |
Occupation: | Other |
Public records last 12m / 10y:
| 0/ 1 |
Revolving credit balance:
| $2,964 | Stated income: | $25,000-$49,999 |
Delinquencies in last 7y:
| 7 |
Bankcard utilization:
| 20% | | |
| |
Homeownership:
| No | | |
Screen name:
| durability-bell |
Borrower's state:
| Mississippi |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Description
Help my mother with some bills.
Purpose of loan:This loan will be used to help my mother with some bills. My stepfather passed 7 months again and left her with some unpaid bills.? I am trying to help her, and take some of the?pressure off her. I will be responsible for the loan, and able to reply it.?
My financial situation:I am a good candidate for this loan because I am employed fulltime?with a stable job with very low risk of layoff. I had a bankruptcy (Devoice) in 2005, but every since then I have paid all my bills on time. I have a Prosper Rating of?B,?a?Prosper Score of?8 which is a very low risk, and a FICO score of 722. I have also moved in with my mother to help her out, and?I have very few bills. I would like to thank the lenders in advance for considered this loan request.
Monthly net income: $ 1900
Monthly expenses: $ ??Housing: $ 0??
Insurance: $ 0??
Car expenses: $ 0??
Utilities: $ 135?
?Phone, cable, internet: $ 99?
?Food, entertainment: $ 50?
?Clothing, household expenses $ 75??
Credit cards and other loans:
$ 150??Other expenses: $ 150
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
470730
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount:
| $7,500.00 |
Prosper Rating:
| HR |
Auction Duration:
| 7 days
|
Term:
| 36 months |
Estimated loss:
| 36.6% | | |
| | |
|
Starting lender yield:
| 24.00% |
Starting borrower rate/APR:
| 25.00% / 28.50% |
Starting monthly payment:
| $298.20 |
|
Auction yield range:
| 16.89% - 24.00% |
Estimated loss impact:
| 37.98% | | |
Lender servicing fee:
| 1.00% |
Estimated return:
| -13.98% | | |
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10):
| 1 |
First credit line:
| Aug-1996 |
Debt/Income ratio:
| 78% |
Credit score:
| 640-659 (Jul-2010) |
Inquiries last 6m:
| 5 | Employment status: | Employed |
Now delinquent:
| 0 |
Current / open credit lines:
| 15
/
11 | Length of status: | 0y 1m |
Amount delinquent:
| $0 |
Total credit lines:
| 27 |
Occupation: | Other |
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $5,511 | Stated income: | $25,000-$49,999 |
Delinquencies in last 7y:
| 4 |
Bankcard utilization:
| 75% | | |
| |
Homeownership:
| Yes | | |
Screen name:
| cjkasse |
Borrower's state:
| SouthDakota |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Description
Paying off medical bills
Purpose of loan:
This loan will be used to?
consolidate as much medical and credit cards as possible.? I currently have one medical bill requesting $216 a month!
My financial situation:
I am a good candidate for this loan because?
if I can consolidate some smaller bills, I can get them all paid off sooner.? I have just gotten a better paying job, so will be able to pay these off quicker, but consolidating things would help.? I have been a lender on here before - and have not been paid back - I understand how much trust people put in others when loaning them money.? Thank you for your consideration!
Monthly net income: $ 2100
Monthly expenses: $
My husband's income of $3500/month covers most of these...my income is mainly for medical, credit cards, and savings (if anything is extra).
??Housing: $
1020.00
??Insurance: $
100.00
??Car expenses: $
1000.00
??Utilities: $
200.00
??Phone, cable, internet: $
200.00
??Food, entertainment: $
200.00
??Clothing, household expenses $
100.00
??Credit cards and other loans: $
500.00
??Other expenses: $ 300.00 (medical)
This loan would specifically pay off mostly medical bills - the rest would go towards CC's.
Hospital bill - $2500 - currently needing $216/month - finance charges currently being reversed monthly
Clinic Bill - $720 - currently paying $10/month
Hospital bill - $1635 - currently needing $25/month
Clinic Bill - $150 - currently paying $10/month - 15% fin charge
Phy Therapy Bill - $83.16 - currently paying $10/month - 15% fin charge
Med Clinic Bill - $890 - currently paying $10/month
Credit Cards are all current - but fin charges range from 17.9 - 29.99%
I have just recently started a new position with a $12.51/hr pay wage - union wage increases are set every 6 months - and in 2 1/2 years I will be at $19/hr.? This is a really great position with wonderful pay & benefits, but we just can't seem to get ahead of some of these smaller payments & would like to consolidate them to have on manageable monthly payment - instead of feeling like we can't ever catch up.
Thanks for any interest & please contact me with any questions.
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
470738
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount:
| $2,700.00 |
Prosper Rating:
| HR |
Auction Duration:
| 7 days
|
Term:
| 36 months |
Estimated loss:
| 24.0% | | |
| | |
|
Starting lender yield:
| 34.00% |
Starting borrower rate/APR:
| 35.00% / 38.72% |
Starting monthly payment:
| $122.14 |
|
Auction yield range:
| 16.89% - 34.00% |
Estimated loss impact:
| 26.01% | | |
Lender servicing fee:
| 1.00% |
Estimated return:
| 7.99% | | |
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 score (1-10):
| 2 |
First credit line:
| Mar-1990 |
Debt/Income ratio:
| 63% |
Credit score:
| 660-679 (Jul-2010) |
Inquiries last 6m:
| 4 | Employment status: | Employed |
Now delinquent:
| 0 |
Current / open credit lines:
| 15
/
15 | Length of status: | 4y 7m |
Amount delinquent:
| $0 |
Total credit lines:
| 25 |
Occupation: | Other |
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $45,964 | Stated income: | $25,000-$49,999 |
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 88% | | |
| |
Homeownership:
| Yes | | |
Screen name:
| blue-responsible-payment |
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
Out Of The Red
Purpose of loan:
This loan will be used to help take care of sudden emergency expenses ?
My financial situation:
I am a good candidate for this loan because I have 4.5 years of stable employment and at the same address for 7.5 years while in the area for 12 years?
Monthly net income: $ 2300
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
470742
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount:
| $1,000.00 |
Prosper Rating:
| E |
Auction Duration:
| 7 days
|
Term:
| 36 months |
Estimated loss:
| 14.2% | | |
| | |
|
Starting lender yield:
| 33.35% |
Starting borrower rate/APR:
| 34.35% / 40.68% |
Starting monthly payment:
| $44.87 |
|
Auction yield range:
| 13.89% - 33.35% |
Estimated loss impact:
| 15.74% | | |
Lender servicing fee:
| 1.00% |
Estimated return:
| 17.61% | | |
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10):
| 6 |
First credit line:
| Sep-1995 |
Debt/Income ratio:
| 33% |
Credit score:
| 660-679 (Jul-2010) |
Inquiries last 6m:
| 0 | Employment status: | Employed |
Now delinquent:
| 0 |
Current / open credit lines:
| 9
/
6 | Length of status: | 17y 5m |
Amount delinquent:
| $0 |
Total credit lines:
| 14 |
Occupation: | Other |
Public records last 12m / 10y:
| 0/ 2 |
Revolving credit balance:
| $5,725 | Stated income: | $25,000-$49,999 |
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 96% | | |
| |
Homeownership:
| No | | |
Screen name:
| camaraderi-web |
Borrower's state:
| Nebraska |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Description
My personal loan
Purpose of loan:
This loan will be used to?
pay upcoming medical and eye doctor appointments and hopefully fix my utility building.
My financial situation:
I am a good candidate for this loan because?
Although I have had a bit of a downside in the past, I am paying all bills and on time and feel I am more responsible than before.
Monthly net income: $
1.480.00
Monthly expenses: $
??Housing: $
175
??Insurance: $
46.00
??Car expenses: $
35.00
??Utilities: $
160.00-gas and electric
??Phone, cable, internet: $
160.00
??Food, entertainment: $
100.00
??Clothing, household expenses $
100.00
??Credit cards and other loans: $
200.00
??Other expenses: $
240.00 land lease/trash/water/sewer
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
470744
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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:
| 10.8% | | |
| | |
|
Starting lender yield:
| 26.50% |
Starting borrower rate/APR:
| 27.50% / 31.05% |
Starting monthly payment:
| $184.92 |
|
Auction yield range:
| 10.89% - 26.50% |
Estimated loss impact:
| 11.46% | | |
Lender servicing fee:
| 1.00% |
Estimated return:
| 15.04% | | |
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10):
| 5 |
First credit line:
| Mar-1988 |
Debt/Income ratio:
| 32% |
Credit score:
| 720-739 (Aug-2010) |
Inquiries last 6m:
| 1 | Employment status: | Employed |
Now delinquent:
| 0 |
Current / open credit lines:
| 12
/
12 | Length of status: | 0y 5m |
Amount delinquent:
| $0 |
Total credit lines:
| 45 |
Occupation: | Professional |
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $30,544 | Stated income: | $100,000+ |
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 44% | | |
| |
Homeownership:
| Yes | | |
Screen name:
| que1spr92 |
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
Income Producing Business
Purpose of loan:
This loan will be used to buy into an existing income producing business. A UCC lien can be given to the lender as collateral.
My financial situation:
I am a good candidate for this loan because I produce regular income. I have no late payments on my credit report. I also generate income through brokering business loans to restaurant owners.
Monthly net income: $ 6,000
Monthly expenses: $
4,450
??Housing: $
3000 (includes insurance and property taxes)
??Insurance: $
??Car expenses: $ 150
??Utilities: $
250
??Phone, cable, internet: $
150
??Food, entertainment: $ 250
??Clothing, household expenses $
50
??Credit cards and other loans: $
500
??Other expenses: $
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
470746
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount:
| $7,500.00 |
Prosper Rating:
| HR |
Auction Duration:
| 7 days
|
Term:
| 36 months |
Estimated loss:
| 18.3% | | |
| | |
|
Starting lender yield:
| 20.00% |
Starting borrower rate/APR:
| 21.00% / 24.41% |
Starting monthly payment:
| $282.56 |
|
Auction yield range:
| 16.89% - 20.00% |
Estimated loss impact:
| 19.43% | | |
Lender servicing fee:
| 1.00% |
Estimated return:
| 0.57% | | |
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10):
| 6 |
First credit line:
| Aug-2005 |
Debt/Income ratio:
| 14% |
Credit score:
| 640-659 (Aug-2010) |
Inquiries last 6m:
| 0 | Employment status: | Employed |
Now delinquent:
| 0 |
Current / open credit lines:
| 4
/
4 | Length of status: | 1y 11m |
Amount delinquent:
| $0 |
Total credit lines:
| 4 |
Occupation: | Sales - Commission |
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $5,768 | Stated income: | $50,000-$74,999 |
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 93% | | |
| |
Homeownership:
| No | | |
Screen name:
| benevolent-coin8 |
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
Pay Off High-Interest Credit Cards!
Purpose of loan:
This loan will be used to consolidate the high-interest revolving debt I am currently carrying into a lower-interest installment loan.
My financial situation:
I am a good candidate for this loan because I have steady income, low monthly expenses, low debt/income, and a stellar track record of making payments.? I have never had a missed or late payment on any account, ever, and my income is continually increasing. The only mark on my credit report is a high debt utilization which I am actively working to pay down with smart budgeting and strict money management.
Monthly net income: $3,450
Monthly expenses: $
??Housing: $ 300
??Insurance: $
90
??Car expenses: $
300
??Utilities: $
85
??Phone, cable, internet: $
125
??Food, entertainment: $
400
??Clothing, household expenses $ 150
??Credit cards and other loans: $
450
??Other expenses: $
200
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
470748
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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:
| 18.3% | | |
| | |
|
Starting lender yield:
| 34.00% |
Starting borrower rate/APR:
| 35.00% / 38.72% |
Starting monthly payment:
| $226.18 |
|
Auction yield range:
| 16.89% - 34.00% |
Estimated loss impact:
| 20.31% | | |
Lender servicing fee:
| 1.00% |
Estimated return:
| 13.69% | | |
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 score (1-10):
| 5 |
First credit line:
| Apr-1989 |
Debt/Income ratio:
| 41% |
Credit score:
| 640-659 (Aug-2010) |
Inquiries last 6m:
| 0 | Employment status: | Employed |
Now delinquent:
| 0 |
Current / open credit lines:
| 12
/
11 | Length of status: | 2y 2m |
Amount delinquent:
| $0 |
Total credit lines:
| 30 |
Occupation: | Other |
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $18,313 | Stated income: | $25,000-$49,999 |
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 80% | | |
| |
Homeownership:
| Yes | | |
Screen name:
| felicity-butterfly8 |
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
lookingforwardtobettertimes
Purpose of loan:
This loan will be used to?consolidate higher interest credit cards and to reduce monthly payments
My financial situation:
I am a good candidate for this loan because??
As you can see by my profile?I don't have delinquincies and?I am not behind on anything. I am very concious of paying my bills on time every month, and when?I have?a little extra I will pay extra on my balances.??
Monthly net income: $ 3000
Monthly expenses: $
??Housing: $?360
??Insurance: $ 115
??Car expenses: $ 125
??Utilities: $ 160
??Phone, cable, internet: $ 125
??Food, entertainment: $ 100
??Clothing, household expenses $ 50
??Credit cards and other loans: $ 450
??Other expenses: $ 50
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
470754
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount:
| $1,700.00 |
Prosper Rating:
| B |
Auction Duration:
| 7 days
|
Term:
| 36 months |
Estimated loss:
| 6.0% | | |
| | |
|
Starting lender yield:
| 14.15% |
Starting borrower rate/APR:
| 15.15% / 18.38% |
Starting monthly payment:
| $59.06 |
|
Auction yield range:
| 5.89% - 14.15% |
Estimated loss impact:
| 6.19% | | |
Lender servicing fee:
| 1.00% |
Estimated return:
| 7.96% | | |
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10):
| 9 |
First credit line:
| Aug-2003 |
Debt/Income ratio:
| 8% |
Credit score:
| 700-719 (Aug-2010) |
Inquiries last 6m:
| 2 | Employment status: | Employed |
Now delinquent:
| 0 |
Current / open credit lines:
| 6
/
6 | Length of status: | 3y 6m |
Amount delinquent:
| $0 |
Total credit lines:
| 12 |
Occupation: | Laborer |
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $3,617 | Stated income: | $25,000-$49,999 |
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 13% | | |
| |
Homeownership:
| Yes | | |
Screen name:
| dinero-cedar |
Borrower's state:
| Nebraska |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Description
buying an atv
Purpose of loan:
Purchase an atv
My financial situation:
I pay all bills ontime right away before i spend anymore money
Monthly net income: $
1800
Monthly expenses: $
??Housing: $ 172.13????????
??Insurance: $ 80
??Car expenses: $ 0
??Utilities: $ 100
??Phone, cable, internet: $ 44
??Food, entertainment: $ 120
??Clothing, household expenses $ 20
??Credit cards and other loans: $ 130
??Other expenses: $ 0
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
470760
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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:
| 14.2% | | |
| | |
|
Starting lender yield:
| 33.35% |
Starting borrower rate/APR:
| 34.35% / 38.06% |
Starting monthly payment:
| $134.61 |
|
Auction yield range:
| 13.89% - 33.35% |
Estimated loss impact:
| 15.74% | | |
Lender servicing fee:
| 1.00% |
Estimated return:
| 17.61% | | |
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10):
| 6 |
First credit line:
| Apr-1991 |
Debt/Income ratio:
| 9% |
Credit score:
| 680-699 (Aug-2010) |
Inquiries last 6m:
| 1 | Employment status: | Employed |
Now delinquent:
| 3 |
Current / open credit lines:
| 5
/
5 | Length of status: | 2y 10m |
Amount delinquent:
| $11,725 |
Total credit lines:
| 22 |
Occupation: | Retail Management |
Public records last 12m / 10y:
| 0/ 1 |
Revolving credit balance:
| $2,195 | Stated income: | $25,000-$49,999 |
Delinquencies in last 7y:
| 4 |
Bankcard utilization:
| 52% | | |
| |
Homeownership:
| No | | |
Screen name:
| delicious-dinero8 |
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
I would like to pay off bills
Purpose of loan:
This loan will be used to? Pay off bills
My financial situation:
I am a good candidate for this loan because? I have work hard and I have learned the value of credit
Monthly net income: $ 3000
Monthly expenses: $
??Housing: $ 200.00
??Insurance: $?56.00
??Car expenses: $ 0.00
??Utilities: $ 200.00
??Phone, cable, internet: $ 100.00
??Food, entertainment: $ 300.00
??Clothing, household expenses $ 20.00
??Credit cards and other loans: $ 100.00
??Other expenses: $ 200.00
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
470762
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount:
| $7,500.00 |
Prosper Rating:
| D |
Auction Duration:
| 7 days
|
Term:
| 36 months |
Estimated loss:
| 10.8% | | |
| | |
|
Starting lender yield:
| 26.50% |
Starting borrower rate/APR:
| 27.50% / 31.05% |
Starting monthly payment:
| $308.20 |
|
Auction yield range:
| 10.89% - 26.50% |
Estimated loss impact:
| 11.46% | | |
Lender servicing fee:
| 1.00% |
Estimated return:
| 15.04% | | |
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10):
| 5 |
First credit line:
| Apr-1979 |
Debt/Income ratio:
| 39% |
Credit score:
| 760-779 (Aug-2010) |
Inquiries last 6m:
| 1 | Employment status: | Employed |
Now delinquent:
| 0 |
Current / open credit lines:
| 21
/
18 | Length of status: | 32y 0m |
Amount delinquent:
| $0 |
Total credit lines:
| 40 |
Occupation: | Nurse (RN) |
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $37,218 | Stated income: | $75,000-$99,999 |
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 90% | | |
| |
Homeownership:
| Yes | | |
Screen name:
| enterprising-transparency9 |
Borrower's state:
| Wisconsin |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Description
need new windows, roof, and furnace
Purpose of loan:
This loan will be used to?put in new wndows,?roof, and furnace.??
My financial situation:
I am a good candidate for this loan because? I take repaying loans seriously. I have never defaulted on any credit card or loan. I will have my car loan paid in full in Nov. which will add to my disposable income. My husband was layed off for 6 months last winter, but I was able to keep everything current and save $4,000 which I presently have in savings for emergency. I work 90%, but am able to work more if I need to. My income is secure and I have no fear of being out of work.?
Monthly net income: $ 5,000
Monthly expenses: $
??Housing: $ 1750
??Insurance: $ 50
??Car expenses: $ 509
??Utilities: $ 250
??Phone, cable, internet: $ 225
??Food, entertainment: $ 400
??Clothing, household expenses $ 50
??Credit cards and other loans: $ 1025
??Other expenses: $
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
470770
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount:
| $12,000.00 |
Prosper Rating:
| B |
Auction Duration:
| 7 days
|
Term:
| 36 months |
Estimated loss:
| 6.0% | | |
| | |
|
Starting lender yield:
| 14.15% |
Starting borrower rate/APR:
| 15.15% / 17.32% |
Starting monthly payment:
| $416.87 |
|
Auction yield range:
| 5.89% - 14.15% |
Estimated loss impact:
| 6.19% | | |
Lender servicing fee:
| 1.00% |
Estimated return:
| 7.96% | | |
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10):
| 9 |
First credit line:
| May-1989 |
Debt/Income ratio:
| 13% |
Credit score:
| 700-719 (Aug-2010) |
Inquiries last 6m:
| 1 | Employment status: | Employed |
Now delinquent:
| 0 |
Current / open credit lines:
| 6
/
6 | Length of status: | 5y 2m |
Amount delinquent:
| $0 |
Total credit lines:
| 17 |
Occupation: | Administrative Assi... |
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $10,560 | Stated income: | $75,000-$99,999 |
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 56% | | |
| |
Homeownership:
| No | | |
Screen name:
| commerce-gazer2 |
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
Cut up the cards and live w/cash
Purpose of loan:
This loan will be used to pay off credit card and take one week of vacation. ?
My financial situation:
I am a good candidate for this loan because I do pay my bills; I just can't get over the hump of the huge APR.
Monthly net income: $
Monthly expenses: $
??Housing: $ 1400
??Insurance: $ 169
??Car expenses: $
??Utilities: $ 70
??Phone, cable, internet: $ 120
??Food, entertainment: $
??Clothing, household expenses $
??Credit cards and other loans: $
??Other expenses: $
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
470776
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount:
| $7,500.00 |
Prosper Rating:
| HR |
Auction Duration:
| 7 days
|
Term:
| 36 months |
Estimated loss:
| 24.0% | | |
| | |
|
Starting lender yield:
| 19.00% |
Starting borrower rate/APR:
| 20.00% / 23.39% |
Starting monthly payment:
| $278.73 |
|
Auction yield range:
| 16.89% - 19.00% |
Estimated loss impact:
| 25.06% | | |
Lender servicing fee:
| 1.00% |
Estimated return:
| -6.06% | | |
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 score (1-10):
| 2 |
First credit line:
| Nov-1997 |
Debt/Income ratio:
| 62% |
Credit score:
| 640-659 (Aug-2010) |
Inquiries last 6m:
| 5 | Employment status: | Other |
Now delinquent:
| 0 |
Current / open credit lines:
| 3
/
3 | Length of status: | 3y 7m |
Amount delinquent:
| $0 |
Total credit lines:
| 22 |
Occupation: | Other |
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $75 | Stated income: | $1-$24,999 |
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 25% | | |
| |
Homeownership:
| No | | |
Screen name:
| the-gain-widget |
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
Salon Business Start Up
Purpose of loan:
This loan will be used to help start a salon and tanning business for my wife, who has worked in the industry for 2 years.? She saved up enough to pay for the first few months for the building rent, however she needs some for her equipment and product costs.
My financial situation:
I am a good candidate for this loan because I have no late payments, and we?will make enough profit to make the monthly payments plus plenty of profit each month for living and other expenses
Monthly net income: $ 1350.00 plus wife's income of $770 per month.
Monthly expenses: $
??Housing: $ 300
??Insurance: $ 100????
??Car expenses: $?0????
??Utilities: $ 100
??Phone, cable, Internet: $ 100?
??Food, entertainment: $?100
??Clothing, household expenses $ 50?????
??Credit cards and other loans: $ 0
??Other expenses: $ 0
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
470778
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount:
| $1,000.00 |
Prosper Rating:
| D |
Auction Duration:
| 7 days
|
Term:
| 36 months |
Estimated loss:
| 9.8% | | |
| | |
|
Starting lender yield:
| 28.99% |
Starting borrower rate/APR:
| 29.99% / 36.15% |
Starting monthly payment:
| $42.45 |
|
Auction yield range:
| 10.89% - 28.99% |
Estimated loss impact:
| 10.53% | | |
Lender servicing fee:
| 1.00% |
Estimated return:
| 18.46% | | |
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10):
| 8 |
First credit line:
| Mar-1994 |
Debt/Income ratio:
| 39% |
Credit score:
| 700-719 (Aug-2010) |
Inquiries last 6m:
| 1 | Employment status: | Employed |
Now delinquent:
| 0 |
Current / open credit lines:
| 30
/
27 | Length of status: | 0y 8m |
Amount delinquent:
| $0 |
Total credit lines:
| 58 |
Occupation: | Professional |
Public records last 12m / 10y:
| 0/ 1 |
Revolving credit balance:
| $11,674 | Stated income: | $25,000-$49,999 |
Delinquencies in last 7y:
| 5 |
Bankcard utilization:
| 27% | | |
| |
Homeownership:
| No | | |
Screen name:
| ejh4isu |
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.
Prosper Activity
Loan history | Payment history | Credit score history |
Active / total loans:
| 0 / 1 |
On-time:
| 11 ( 28% )
| 700-719 (Latest)
|
Principal borrowed:
| $7,000.00 | < 31 days late:
| 10
( 25% )
| 600-619
(Mar-2008)
600-619
(Feb-2008)
600-619
(Jan-2008)
580-599
(Dec-2007)
|
Principal balance:
| $0.00 |
31+ days late:
| 19
( 48% )
|
Total payments billed:
| 40 | | |
Description
Little bit of extra cash for honeym
Purpose of loan:
This loan will be used to help finance a trip my wife and I are taking overseas. We're only about $500 off of or budget so we wanted to have some padding for incidentals.
My financial situation:
I am a good candidate for this loan because?.I won't BS anyone here; I've had problems in the past, you can see them right here in black and white. I simply appreciate prosper giving me another chance, and I promise this time there will be no late payments, and everything will run smoothly.
Monthly net income: $6000
Monthly expenses: $
??Housing: $1200
??Insurance: $200
??Car expenses: $140
??Utilities: $225
??Phone, cable, internet: $125
??Food, entertainment: $300
??Clothing, household expenses $50
??Credit cards and other loans: $1600 on payments to student loans mostly
??Other expenses: $
Please feel free to email me with any questions.
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
470780
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount:
| $7,500.00 |
Prosper Rating:
| HR |
Auction Duration:
| 7 days
|
Term:
| 36 months |
Estimated loss:
| 24.0% | | |
| | |
|
Starting lender yield:
| 34.00% |
Starting borrower rate/APR:
| 35.00% / 38.72% |
Starting monthly payment:
| $339.27 |
|
Auction yield range:
| 16.89% - 34.00% |
Estimated loss impact:
| 26.01% | | |
Lender servicing fee:
| 1.00% |
Estimated return:
| 7.99% | | |
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 score (1-10):
| 2 |
First credit line:
| May-2003 |
Debt/Income ratio:
| 41% |
Credit score:
| 660-679 (Aug-2010) |
Inquiries last 6m:
| 2 | Employment status: | Employed |
Now delinquent:
| 0 |
Current / open credit lines:
| 10
/
9 | Length of status: | 9y 8m |
Amount delinquent:
| $0 |
Total credit lines:
| 24 |
Occupation: | Other |
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $2,627 | Stated income: | $25,000-$49,999 |
Delinquencies in last 7y:
| 5 |
Bankcard utilization:
| 95% | | |
| |
Homeownership:
| Yes | | |
Screen name:
| the-attentive-duty |
Borrower's state:
| Pennsylvania |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Description
Debt Consolidation/Home Improvement
Purpose of loan:
The purpose of this loan is High Interest Credit Card consolidation and also some various home improvements including Central AC and some Roofing replacement issues
My financial situation:
I am pretty close to the limits on some high interest credit cards. Paying the Minimum payment is not cutting into them, but if I could consolidate?the cards?and pay them off the monthly payment will not be an issue because it will equal the minimum payments I usually make. I have been working at the same place going on 10 years with a salary of $50,000/year. There is also a possibility of early pay off because of a work bonus or next year's tax return. Below is a pretty accurate account of my finances but anything else you would like to know dont hesitate to ask. This loan would be a very helpful tool in getting my finances in order so take time and please consider me for your investment
Monthly net income: $ 3200
Monthly expenses: $
??Housing: $1175.00
??Insurance: $ 200.00
??Car expenses: $?500.00
??Utilities: $ 150.00
??Phone, cable, internet: $ 100.00
??Food, entertainment: $ 200.00
??Clothing, household expenes $
??Credit cards and other loans: $ 350.00
??Other expenses: $
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
470786
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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:
| 10.8% | | |
| | |
|
Starting lender yield:
| 26.50% |
Starting borrower rate/APR:
| 27.50% / 31.05% |
Starting monthly payment:
| $205.47 |
|
Auction yield range:
| 10.89% - 26.50% |
Estimated loss impact:
| 11.46% | | |
Lender servicing fee:
| 1.00% |
Estimated return:
| 15.04% | | |
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10):
| 7 |
First credit line:
| Aug-2001 |
Debt/Income ratio:
| 18% |
Credit score:
| 740-759 (Aug-2010) |
Inquiries last 6m:
| 0 | Employment status: | Employed |
Now delinquent:
| 0 |
Current / open credit lines:
| 2
/
2 | Length of status: | 2y 4m |
Amount delinquent:
| $0 |
Total credit lines:
| 3 |
Occupation: | Other |
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $1,922 | Stated income: | $25,000-$49,999 |
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 38% | | |
| |
Homeownership:
| No | | |
Screen name:
| rate-instrument |
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
buying a car
Purpose of loan:
This loan will be used to? purchase new used car????
My financial situation:
I am a good candidate for this loan because??
I take pride in working to improve my current credit score and can assure that every payment will be made on time with no issues.
Monthly net income: $ 2000
Monthly expenses: $
??Housing: $?150????
??Insurance: $?100????
??Car expenses: $ 0
??Utilities: $ 100????
??Phone, cable, internet: $ 100
??Food, entertainment: $50
??Clothing, household expenses $ 50
??Credit cards and other loans: $?300
??Other expenses: $ 0
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
470788
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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:
| 24.0% | | |
| | |
|
Starting lender yield:
| 34.00% |
Starting borrower rate/APR:
| 35.00% / 38.72% |
Starting monthly payment:
| $135.71 |
|
Auction yield range:
| 16.89% - 34.00% |
Estimated loss impact:
| 26.01% | | |
Lender servicing fee:
| 1.00% |
Estimated return:
| 7.99% | | |
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 score (1-10):
| 3 |
First credit line:
| Feb-2004 |
Debt/Income ratio:
| 9% |
Credit score:
| 660-679 (Aug-2010) |
Inquiries last 6m:
| 1 | Employment status: | Employed |
Now delinquent:
| 0 |
Current / open credit lines:
| 4
/
4 | Length of status: | 5y 4m |
Amount delinquent:
| $0 |
Total credit lines:
| 5 |
Occupation: | Professional |
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $2,496 | Stated income: | $25,000-$49,999 |
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 84% | | |
| |
Homeownership:
| No | | |
Screen name:
| euro-position5 |
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
Purpose of loan:
This loan will be used to? fund moving expenses and provide money for furniture
My financial situation:
I am a good candidate for this loan because?I am a hard worker and will pay my debt off on time and as fast as possible.
Monthly net income: $ 2100
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
470792
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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:
| 24.0% | | |
| | |
|
Starting lender yield:
| 34.00% |
Starting borrower rate/APR:
| 35.00% / 38.72% |
Starting monthly payment:
| $316.65 |
|
Auction yield range:
| 16.89% - 34.00% |
Estimated loss impact:
| 26.01% | | |
Lender servicing fee:
| 1.00% |
Estimated return:
| 7.99% | | |
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 score (1-10):
| 2 |
First credit line:
| Jul-1998 |
Debt/Income ratio:
| Not calculated |
Credit score:
| 680-699 (Aug-2010) |
Inquiries last 6m:
| 3 | Employment status: | Employed |
Now delinquent:
| 0 |
Current / open credit lines:
| 10
/
7 | Length of status: | 0y 4m |
Amount delinquent:
| $0 |
Total credit lines:
| 38 |
Occupation: | Other |
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $4,928 | Stated income: | $75,000-$99,999 |
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 79% | | |
| |
Homeownership:
| No | | |
Screen name:
| inventive-bid8 |
Borrower's state:
| Virginia |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Description
Credit score of 722 :)
I would like to consolidate my debt and save money for retirement. I already have a Roth IRA and just rather pay one small bill monthly.
I am NEVER late making ANY type of bill payments.
Thank you so much in advance!!
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
470794
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount:
| $7,500.00 |
Prosper Rating:
| D |
Auction Duration:
| 7 days
|
Term:
| 36 months |
Estimated loss:
| 10.8% | | |
| | |
|
Starting lender yield:
| 19.00% |
Starting borrower rate/APR:
| 20.00% / 23.39% |
Starting monthly payment:
| $278.73 |
|
Auction yield range:
| 10.89% - 19.00% |
Estimated loss impact:
| 11.25% | | |
Lender servicing fee:
| 1.00% |
Estimated return:
| 7.75% | | |
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10):
| 7 |
First credit line:
| Aug-2003 |
Debt/Income ratio:
| 14% |
Credit score:
| 700-719 (Aug-2010) |
Inquiries last 6m:
| 1 | Employment status: | Employed |
Now delinquent:
| 0 |
Current / open credit lines:
| 10
/
9 | Length of status: | 1y 2m |
Amount delinquent:
| $0 |
Total credit lines:
| 18 |
Occupation: | Tradesman - Electri... |
Public records last 12m / 10y:
| 0/ 1 |
Revolving credit balance:
| $7,128 | Stated income: | $25,000-$49,999 |
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 61% | | |
| |
Homeownership:
| Yes | | |
Screen name:
| sculpture437 |
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
equipment purchase
Purpose of loan:
This loan will be used to? to help Finance a new piece of Equiptment to help startup a new Business
My financial situation:
I am a good candidate for this loan because?I pay my bills on time and and most cases pay loans off early
dont take no for a answer and will keep on finding away to get something done that I strongly agree in.?
Monthly net income: $ 4500
Monthly expenses: $
??Housing: $ 900.00
??Insurance: $ 90
??Car expenses: $ 0 paid for
??Utilities: $ 250
??Phone, cable, internet: $ 75
??Food, entertainment: $
??Clothing, household expenses $ 0
??Credit cards and other loans: $ 150.00
??Other expenses: $
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
470808
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount:
| $7,500.00 |
Prosper Rating:
| HR |
Auction Duration:
| 7 days
|
Term:
| 36 months |
Estimated loss:
| 36.6% | | |
| | |
|
Starting lender yield:
| 34.00% |
Starting borrower rate/APR:
| 35.00% / 38.72% |
Starting monthly payment:
| $339.27 |
|
Auction yield range:
| 16.89% - 34.00% |
Estimated loss impact:
| 38.61% | | |
Lender servicing fee:
| 1.00% |
Estimated return:
| -4.61% | | |
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10):
| 1 |
First credit line:
| May-1985 |
Debt/Income ratio:
| 51% |
Credit score:
| 660-679 (Aug-2010) |
Inquiries last 6m:
| 0 | Employment status: | Other |
Now delinquent:
| 2 |
Current / open credit lines:
| 14
/
13 | Length of status: | 4y 2m |
Amount delinquent:
| $624 |
Total credit lines:
| 38 | Stated income: | $25,000-$49,999 |
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $11,851 | |
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 95% | | |
| |
Homeownership:
| Yes | | |
Screen name:
| asap-hot-shot-driver |
Borrower's state:
| SouthCarolina |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Description
golf101
Purpose of loan:
This loan will be used to?
catch up on some late payment to get me back on track
My financial situation:
I am a good candidate for this loan because?
up until this finacial cris i have alway paid my debts
Monthly net income: $
2200 retirement? 1600 +- from part work
Monthly expenses: $
??Housing: $ 1000
??Insurance: $200
??Car expenses: $ 350
??Utilities: $
??Phone, cable300, internet: $ 112
??Food, entertainment: $ 150
??Clothing, household expenses $ 200
??Credit cards and other loans: $ 1000
??Other expenses: $ 500
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
470814
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount:
| $2,700.00 |
Prosper Rating:
| HR |
Auction Duration:
| 7 days
|
Term:
| 36 months |
Estimated loss:
| 36.6% | | |
| | |
|
Starting lender yield:
| 16.89% |
Starting borrower rate/APR:
| 17.89% / 21.24% |
Starting monthly payment:
| $97.46 |
|
Auction yield range:
| 16.89% - 16.89% |
Estimated loss impact:
| 37.53% | | |
Lender servicing fee:
| 1.00% |
Estimated return:
| -20.64% | | |
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 score (1-10):
| 1 |
First credit line:
| Dec-2003 |
Debt/Income ratio:
| 26% |
Credit score:
| 640-659 (Aug-2010) |
Inquiries last 6m:
| 7 | Employment status: | Employed |
Now delinquent:
| 1 |
Current / open credit lines:
| 6
/
5 | Length of status: | 2y 9m |
Amount delinquent:
| $263 |
Total credit lines:
| 10 |
Occupation: | Other |
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $1,587 | Stated income: | $25,000-$49,999 |
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 94% | | |
| |
Homeownership:
| Yes | | |
Screen name:
| ashoshi |
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 debt
Purpose of loan:
This loan will be used to?
Consolidate debt. I am trying to move to a slightly lower interest rate on my debt
My financial situation:
I am a good candidate for this loan because?
I have not made a late payment on any of my accounts.
Monthly net income: $
4,064
Monthly expenses: $ 2,300
??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
470816
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount:
| $1,000.00 |
Prosper Rating:
| HR |
Auction Duration:
| 7 days
|
Term:
| 36 months |
Estimated loss:
| 36.6% | | |
| | |
|
Starting lender yield:
| 34.00% |
Starting borrower rate/APR:
| 35.00% / 41.35% |
Starting monthly payment:
| $45.24 |
|
Auction yield range:
| 16.89% - 34.00% |
Estimated loss impact:
| 38.61% | | |
Lender servicing fee:
| 1.00% |
Estimated return:
| -4.61% | | |
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10):
| 1 |
First credit line:
| Oct-1998 |
Debt/Income ratio:
| Self-employed (DTI Not Calculated) |
Credit score:
| 640-659 (Jul-2010) |
Inquiries last 6m:
| 1 | Employment status: | Self-employed |
Now delinquent:
| 0 |
Current / open credit lines:
| 4
/
4 | Length of status: | 6y 2m |
Amount delinquent:
| $0 |
Total credit lines:
| 9 |
Occupation: | Teacher |
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $2,548 | Stated income: | $25,000-$49,999 |
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 92% | | |
| |
Homeownership:
| No | | |
Screen name:
| runningman07 |
Borrower's state:
| NewJersey |
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
0 delin / 7 years: To pay Chase
After talking to several people, including my group leader, I have decided to relist with a smaller amount.
This loan will be used to pay down my chase credit card...... and to help me reach my goal of having a great credit rating
My financial situation:
I had to use my credit cards to pay some bills during the summer months while I waited for income to come in from a second job.
I am a great candidate for this loan because I am never late with making payments. My plan is to pay this loan back within 12 months. Come the end of September, my net income will increase and I will be able to double/triple my monthly payments.
Monthly net income: $2300
Monthly expenses:
??Housing:475 $
??Insurance: 80$
??Car expenses: 120$
??Utilities: 60$
??Phone, cable, internet: 130$
??Food, entertainment: 250$
??Clothing, household expenses 100$
??Credit cards and other loans: 500$
Thank you for your consideration and I would be happy to answer any questions you may have.
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
470820
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount:
| $7,500.00 |
Prosper Rating:
| HR |
Auction Duration:
| 7 days
|
Term:
| 36 months |
Estimated loss:
| 24.0% | | |
| | |
|
Starting lender yield:
| 34.00% |
Starting borrower rate/APR:
| 35.00% / 38.72% |
Starting monthly payment:
| $339.27 |
|
Auction yield range:
| 16.89% - 34.00% |
Estimated loss impact:
| 26.01% | | |
Lender servicing fee:
| 1.00% |
Estimated return:
| 7.99% | | |
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 score (1-10):
| 2 |
First credit line:
| Jul-1995 |
Debt/Income ratio:
| 39% |
Credit score:
| 660-679 (Aug-2010) |
Inquiries last 6m:
| 3 | Employment status: | Employed |
Now delinquent:
| 3 |
Current / open credit lines:
| 8
/
8 | Length of status: | 3y 7m |
Amount delinquent:
| $3,710 |
Total credit lines:
| 51 |
Occupation: | Nurse (RN) |
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $4,910 | Stated income: | $50,000-$74,999 |
Delinquencies in last 7y:
| 6 |
Bankcard utilization:
| 96% | | |
| |
Homeownership:
| Yes | | |
Screen name:
| top-commerce-boomer |
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
settling with credit cards
Purpose of loan:
This loan will be used to?
settle my credit card debt I have already contacted my creditors and they are willing to settle but I do not have the funds to do so however I have a good job that will allow me to pay this amount over time.
My financial situation:
I am a good candidate for this loan because?
I have normally had excellent credit score and it is until this year that I found myself over extended due to family problems.
Monthly net income: $ 5000
Monthly expenses: $
??Housing: $ 1296
??Insurance: $ 240
??Car expenses: $ 800
??Utilities: $ 100
??Phone, cable, internet: $ 150
Food, entertainment: $ 200
??Clothing, household expenses $
??Credit cards and other loans: $
??Other expenses: $ 500
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
470824
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount:
| $7,500.00 |
Prosper Rating:
| HR |
Auction Duration:
| 7 days
|
Term:
| 36 months |
Estimated loss:
| 24.0% | | |
| | |
|
Starting lender yield:
| 28.00% |
Starting borrower rate/APR:
| 30.00% / 33.61% |
Starting monthly payment:
| $318.39 |
|
Auction yield range:
| 16.89% - 28.00% |
Estimated loss impact:
| 25.63% | | |
Lender servicing fee:
| 1.00% |
Estimated return:
| 2.37% | | |
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10):
| 3 |
First credit line:
| Apr-1987 |
Debt/Income ratio:
| 38% |
Credit score:
| 640-659 (Jul-2010) |
Inquiries last 6m:
| 1 | Employment status: | Employed |
Now delinquent:
| 0 |
Current / open credit lines:
| 16
/
15 | Length of status: | 17y 3m |
Amount delinquent:
| $0 |
Total credit lines:
| 43 |
Occupation: | Social Worker |
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $23,172 | Stated income: | $25,000-$49,999 |
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 96% | | |
| |
Homeownership:
| Yes | | |
Screen name:
| thoughtful-truth |
Borrower's state:
| Indiana |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Description
Help for College Last Option : [
Purpose of loan:
This loan will be used to? Help my son finish his schooling. My son and I will be splitting the payment on the loan so it will be very easy for us to make the payments. I really want to help him with this and his credit is not mature enough to get his own loan. I NEED HELP! My son is a Pharmacy Technician and I work for Social Services. I do not want to pay anymore creditors money so I am choosing Prosper because I am hoping that the person funding my loan will profit from this. If you have any questions about my financial situation or any worries that you are unsure of, please don't hesitate to ask.
Monthly net income: $ 40,000 between my son and I.
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
470826
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount:
| $15,000.00 |
Prosper Rating:
| D |
Auction Duration:
| 7 days
|
Term:
| 36 months |
Estimated loss:
| 10.8% | | |
| | |
|
Starting lender yield:
| 26.50% |
Starting borrower rate/APR:
| 27.50% / 31.05% |
Starting monthly payment:
| $616.41 |
|
Auction yield range:
| 10.89% - 26.50% |
Estimated loss impact:
| 11.46% | | |
Lender servicing fee:
| 1.00% |
Estimated return:
| 15.04% | | |
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10):
| 5 |
First credit line:
| Nov-1995 |
Debt/Income ratio:
| Not calculated |
Credit score:
| 740-759 (Jul-2010) |
Inquiries last 6m:
| 1 | Employment status: | Employed |
Now delinquent:
| 0 |
Current / open credit lines:
| 12
/
10 | Length of status: | 4y 7m |
Amount delinquent:
| $0 |
Total credit lines:
| 50 |
Occupation: | Sales - Commission |
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $18,012 | Stated income: | $100,000+ |
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 49% | | |
| |
Homeownership:
| Yes | | |
Screen name:
| green-admirable-yield |
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
Cost of National TV Appearance
Purpose of loan:
My company has an opportunity to promote our product on a national TV program to promote our diet product. We need the money to help fund some of the misc expenses that this opportunity will require including additional inventory, staffing, and marketing expenses. The increased sales from this appearance along with the increased brand awareness will be of tremendous benefit and will pay for the loan many times over in a short amount of time.??
The TV program will reach roughly 2million viewers I our target demographic thus maximizing our efforts. It also has the advantaged of implied endorsement and is not a commercial.
My financial situation:
I have a solid credit report and financial track record. I have multiple stable forms of income, including residual income and rental income, and that further bolsters my ability to repay. Furthermore, the loan payments will be paid primarily by the business which currently makes $6000+ plus per month with a profit margin of 37%, more than enough to repay the loan payments without even relying on my personal income.??
NOTE: My income can be documented with tax returns, 1099s, and bank statements which reflect a YTD income of over $50,000 so far this year. However, Propser will only accept paystubs & W2s which I don't have given the nature of my employment.
My monthly income breakdown is as follows:
$3500 per month from my business, self elmployed
$4000 per month from residual income, 1099 and documented
$1200 per month rent from rental home, NET $400 per month
$600 per month tutoring income, side job to help those with learning difficulties
I have over 6 yrs of experience in my field and have held high level positions for multi million and billion dollar companies in my industry. I am now leveraging that experience to benefit my own company.??
Please help take advantage of this tremendous opportunity, I?d much rather have individuals benefits from the interest and not the big banks.
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
470828
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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:
| 18.3% | | |
| | |
|
Starting lender yield:
| 34.00% |
Starting borrower rate/APR:
| 35.00% / 38.72% |
Starting monthly payment:
| $316.65 |
|
Auction yield range:
| 16.89% - 34.00% |
Estimated loss impact:
| 20.31% | | |
Lender servicing fee:
| 1.00% |
Estimated return:
| 13.69% | | |
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 score (1-10):
| 4 |
First credit line:
| Feb-2000 |
Debt/Income ratio:
| 34% |
Credit score:
| 660-679 (Aug-2010) |
Inquiries last 6m:
| 5 | Employment status: | Employed |
Now delinquent:
| 0 |
Current / open credit lines:
| 7
/
6 | Length of status: | 3y 0m |
Amount delinquent:
| $0 |
Total credit lines:
| 21 |
Occupation: | Food Service Manage... |
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $6,893 | Stated income: | $1-$24,999 |
Delinquencies in last 7y:
| 1 |
Bankcard utilization:
| 26% | | |
| |
Homeownership:
| Yes | | |
Screen name:
| fatjoe04 |
Borrower's state:
| Michigan |
Borrower's group:
| avalon financial network |
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan history | Payment history | Credit score history |
Active / total loans:
| 0 / 1 |
On-time:
| 22 ( 100% )
| 660-679 (Latest)
|
Principal borrowed:
| $4,500.00 | < 31 days late:
| 0
( 0% )
| 620-639
(Apr-2007)
|
Principal balance:
| $0.00 |
31+ days late:
| 0
( 0% )
|
Total payments billed:
| 22 | | |
Description
Eliminating credit cards
Hello there,?I am looking to pay off a couple of credit cards.?I have a balance of 4,500 1,300 and 1,000 on three cards. Taking this loan would allow me to save $300 per month on my payments. I have already successfully repaid one Prosper loan in 2007, I have three years on my job and have been a homeowner for two years. Please feel free to ask for any further information, thanks Joe
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
470838
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount:
| $4,700.00 |
Prosper Rating:
| E |
Auction Duration:
| 7 days
|
Term:
| 36 months |
Estimated loss:
| 14.2% | | |
| | |
|
Starting lender yield:
| 14.00% |
Starting borrower rate/APR:
| 15.00% / 18.29% |
Starting monthly payment:
| $162.93 |
|
Auction yield range:
| 13.89% - 14.00% |
Estimated loss impact:
| 14.80% | | |
Lender servicing fee:
| 1.00% |
Estimated return:
| -0.80% | | |
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 score (1-10):
| 6 |
First credit line:
| Jun-1999 |
Debt/Income ratio:
| 25% |
Credit score:
| 680-699 (Aug-2010) |
Inquiries last 6m:
| 0 | Employment status: | Employed |
Now delinquent:
| 0 |
Current / open credit lines:
| 13
/
12 | Length of status: | 11y 10m |
Amount delinquent:
| $0 |
Total credit lines:
| 25 |
Occupation: | Other |
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $10,960 | Stated income: | $50,000-$74,999 |
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 75% | | |
| |
Homeownership:
| No | | |
Screen name:
| Always-pay-my-bills |
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 card
Purpose of loan:
This loan will be used to? Payoff high interest Visa they raised my rate so i have closed
account and have been making payments on time
My financial situation:
I am a good candidate for this loan because? been at my job for over 10 years and pay bills on time
Monthly net income: $ 3000.00
Monthly expenses: $
??Housing: $?400
??Insurance: $ 84
??Car expenses: $ 350
??Utilities: $ 0
??Phone, cable, internet: $
??Food, entertainment: $ 200
??Clothing, household expenses $
??Credit cards and other loans: $ 200
??Other expenses: $
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
470842
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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:
| 24.0% | | |
| | |
|
Starting lender yield:
| 34.00% |
Starting borrower rate/APR:
| 35.00% / 38.72% |
Starting monthly payment:
| $180.94 |
|
Auction yield range:
| 16.89% - 34.00% |
Estimated loss impact:
| 26.01% | | |
Lender servicing fee:
| 1.00% |
Estimated return:
| 7.99% | | |
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 score (1-10):
| 2 |
First credit line:
| Jun-1988 |
Debt/Income ratio:
| 37% |
Credit score:
| 660-679 (Aug-2010) |
Inquiries last 6m:
| 0 | Employment status: | Employed |
Now delinquent:
| 2 |
Current / open credit lines:
| 9
/
11 | Length of status: | 3y 5m |
Amount delinquent:
| $4,465 |
Total credit lines:
| 31 |
Occupation: | Other |
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $19,236 | Stated income: | $50,000-$74,999 |
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 98% | | |
| |
Homeownership:
| Yes | | |
Screen name:
| pragmatic-auction6 |
Borrower's state:
| NewHampshire |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from 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 delinquent amount
Purpose of loan:
This loan will be used to? get cought up on delinquent amout
My financial situation:
I am a good candidate for this loan because? i am back to work full time?40+ hours a week
Monthly net income: $
3300
Monthly expenses: $
??Housing: $
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
470844
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount:
| $2,000.00 |
Prosper Rating:
| E |
Auction Duration:
| 7 days
|
Term:
| 36 months |
Estimated loss:
| 14.2% | | |
| | |
|
Starting lender yield:
| 33.35% |
Starting borrower rate/APR:
| 34.35% / 38.06% |
Starting monthly payment:
| $89.74 |
|
Auction yield range:
| 13.89% - 33.35% |
Estimated loss impact:
| 15.74% | | |
Lender servicing fee:
| 1.00% |
Estimated return:
| 17.61% | | |
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10):
| 6 |
First credit line:
| Aug-2008 |
Debt/Income ratio:
| 10% |
Credit score:
| 640-659 (Aug-2010) |
Inquiries last 6m:
| 0 | Employment status: | Employed |
Now delinquent:
| 0 |
Current / open credit lines:
| 2
/
2 | Length of status: | 0y 2m |
Amount delinquent:
| $0 |
Total credit lines:
| 2 |
Occupation: | Other |
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $831 | Stated income: | $25,000-$49,999 |
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 83% | | |
| |
Homeownership:
| No | | |
Screen name:
| a-dough-conqueror |
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
lawyer fee
Purpose of loan:
This loan will be used to?
pay for a lawyer
My financial situation:
I am a good candidate for this loan because?i am a trustworthy person who has a good paying job and will make all my payments on time
Monthly net income: $2300
Monthly expenses: $
??Housing: $350
??Insurance: $210
??Car expenses: $50
??Utilities: $0
??Phone, cable, internet: $0
??Food, entertainment: $55
??Clothing, household expenses $20
??Credit cards and other loans: $139
??Other expenses: $
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
470848
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount:
| $7,500.00 |
Prosper Rating:
| E |
Auction Duration:
| 7 days
|
Term:
| 36 months |
Estimated loss:
| 14.2% | | |
| | |
|
Starting lender yield:
| 33.35% |
Starting borrower rate/APR:
| 34.35% / 38.06% |
Starting monthly payment:
| $336.52 |
|
Auction yield range:
| 13.89% - 33.35% |
Estimated loss impact:
| 15.74% | | |
Lender servicing fee:
| 1.00% |
Estimated return:
| 17.61% | | |
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10):
| 6 |
First credit line:
| Feb-1987 |
Debt/Income ratio:
| 15% |
Credit score:
| 680-699 (Aug-2010) |
Inquiries last 6m:
| 2 | Employment status: | Employed |
Now delinquent:
| 0 |
Current / open credit lines:
| 12
/
10 | Length of status: | 3y 6m |
Amount delinquent:
| $0 |
Total credit lines:
| 47 |
Occupation: | Other |
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $31,965 | Stated income: | $100,000+ |
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 97% | | |
| |
Homeownership:
| Yes | | |
Screen name:
| kahuna048 |
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
"Bridge" loan until Lock-up exp.
Purpose of loan:
This loan will be used to provide short term financing until the lock-up period on my stock options/equity expires in late November 2010.?
My financial situation:
I am a good candidate for this loan because I pay my debt and have a means to pay off all debt (except Mortgage) on 12/1/10.? I have over $240K vested options with my employer and I am currently in a post-IPO lock-up period until the end of November.
Monthly net income: $
9500.00
Monthly expenses: $8400.00
??Housing: $
4600
??Insurance: $
80
??Car expenses: $
450
??Utilities: $ 250
??Phone, cable, internet: $
210
??Food, entertainment: $ 1000
??Clothing, household expenses $
400
??Credit cards and other loans: $
1400
??Other expenses: $
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
470850
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount:
| $15,000.00 |
Prosper Rating:
| D |
Auction Duration:
| 7 days
|
Term:
| 36 months |
Estimated loss:
| 10.8% | | |
| | |
|
Starting lender yield:
| 26.50% |
Starting borrower rate/APR:
| 27.50% / 31.05% |
Starting monthly payment:
| $616.41 |
|
Auction yield range:
| 10.89% - 26.50% |
Estimated loss impact:
| 11.46% | | |
Lender servicing fee:
| 1.00% |
Estimated return:
| 15.04% | | |
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10):
| 5 |
First credit line:
| Feb-1998 |
Debt/Income ratio:
| 35% |
Credit score:
| 740-759 (Jul-2010) |
Inquiries last 6m:
| 1 | Employment status: | Employed |
Now delinquent:
| 0 |
Current / open credit lines:
| 18
/
17 | Length of status: | 2y 0m |
Amount delinquent:
| $0 |
Total credit lines:
| 38 |
Occupation: | Dentist |
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $28,450 | Stated income: | $100,000+ |
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 78% | | |
| |
Homeownership:
| Yes | | |
Screen name:
| basis-synapse |
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
Professional Needs to Consolidate
Purpose of loan: Consolidate Credit Card Debt Accumulated in Dental School
This loan will be used to consolidate my credit card debt that I accumulated while in dental school and i just want one bill to pay each month.
My financial situation is very good and I want to consolidate my credit card debt that I accumulated in dental school.
I am a good candidate for this loan because I am a hard working professional. I am a full time dentist with a beautiful 7 month old baby and husband. I just want to have one bill to pay off my credit card debt.
Monthly net income: $ 9750 (not including husbands income)
Monthly expenses: $7462
??Housing: $2242
??Insurance: $182.50
??Car expenses: $1653
??Utilities: $135
??Phone, cable, internet: $150
??Food, entertainment: $500
??Clothing, household expenses $500
??Credit cards and other loans: $2000
??Other expenses: $100
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
470856
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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:
| 14.2% | | |
| | |
|
Starting lender yield:
| 33.35% |
Starting borrower rate/APR:
| 34.35% / 38.06% |
Starting monthly payment:
| $134.61 |
|
Auction yield range:
| 13.89% - 33.35% |
Estimated loss impact:
| 15.74% | | |
Lender servicing fee:
| 1.00% |
Estimated return:
| 17.61% | | |
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10):
| 5 |
First credit line:
| Sep-1992 |
Debt/Income ratio:
| 51% |
Credit score:
| 700-719 (Aug-2010) |
Inquiries last 6m:
| 0 | Employment status: | Employed |
Now delinquent:
| 0 |
Current / open credit lines:
| 13
/
12 | Length of status: | 5y 1m |
Amount delinquent:
| $0 |
Total credit lines:
| 24 |
Occupation: | Tradesman - Mechani... |
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $68,486 | Stated income: | $75,000-$99,999 |
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 93% | | |
| |
Homeownership:
| Yes | | |
Screen name:
| first-bazaar-drummer |
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
New central air conditioner
Purpose of loan:
This loan will be used to?
Replace central air unit that has failed.
My financial situation:
I am a good candidate for this loan because?
I ALWAYS pay my debts, and on time.
Monthly net income: $
$9965.66 includes current employment, military retirement, military disability, and wifes employment income
Monthly expenses: $
??Housing: $ 933.
??Insurance: $ 70
??Car expenses: $ 425.
??Utilities: $?377
??Phone, cable, internet: $ 282
??Food, entertainment: $ varies
??Clothing, household expenses $ varies
??Credit cards and other loans: $ on credit report
??Other expenses: $
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
470862
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount:
| $5,000.00 |
Prosper Rating:
| C |
Auction Duration:
| 7 days
|
Term:
| 36 months |
Estimated loss:
| 7.7% | | |
| | |
|
Starting lender yield:
| 11.00% |
Starting borrower rate/APR:
| 12.00% / 15.23% |
Starting monthly payment:
| $166.07 |
|
Auction yield range:
| 7.89% - 11.00% |
Estimated loss impact:
| 7.93% | | |
Lender servicing fee:
| 1.00% |
Estimated return:
| 3.07% | | |
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 score (1-10):
| 7 |
First credit line:
| Apr-1998 |
Debt/Income ratio:
| 5% |
Credit score:
| 800-819 (Jul-2010) |
Inquiries last 6m:
| 4 | Employment status: | Employed |
Now delinquent:
| 0 |
Current / open credit lines:
| 14
/
13 | Length of status: | 1y 2m |
Amount delinquent:
| $0 |
Total credit lines:
| 31 |
Occupation: | Executive |
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $2,228 | Stated income: | $100,000+ |
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 16% | | |
| |
Homeownership:
| Yes | | |
Screen name:
| nbk4sez |
Borrower's state:
| Illinois |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan history | Payment history | Credit score history |
Active / total loans:
| 1 / 1 |
On-time:
| 26 ( 100% )
| 800-819 (Latest)
|
Principal borrowed:
| $4,000.00 | < 31 days late:
| 0
( 0% )
| 740-759
(Oct-2009)
740-759
(Jul-2009)
720-739
(May-2008)
720-739
(Apr-2008)
|
Principal balance:
| $457.20 |
31+ days late:
| 0
( 0% )
|
Total payments billed:
| 26 | | |
Description
Consolidate Student Loan at Low APR
I am looking to consolidate an exisiting Sallie Mae Student Loan from its current rate of 6.5% to an even lower rate.? I have paid for this loan consistently for the last 5 years without any issues, and have made more and more money at my job.? I am looking to aggressively pay this down as fast as possible through prosper using a shorter period and why not also at the same time give some nice interest back to the communitty instead of banks!? My creditis perfect the one other loan i tried is basically paid off as you can see in my history.? My credit is perfect, and i have no other debt.
thanks,
ANdy!
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
470902
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount:
| $7,500.00 |
Prosper Rating:
| HR |
Auction Duration:
| 7 days
|
Term:
| 36 months |
Estimated loss:
| 24.0% | | |
| | |
|
Starting lender yield:
| 22.99% |
Starting borrower rate/APR:
| 23.99% / 27.47% |
Starting monthly payment:
| $294.21 |
|
Auction yield range:
| 16.89% - 22.99% |
Estimated loss impact:
| 25.31% | | |
Lender servicing fee:
| 1.00% |
Estimated return:
| -2.32% | | |
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10):
| 2 |
First credit line:
| May-1993 |
Debt/Income ratio:
| 88% |
Credit score:
| 660-679 (Aug-2010) |
Inquiries last 6m:
| 1 | Employment status: | Employed |
Now delinquent:
| 1 |
Current / open credit lines:
| 16
/
14 | Length of status: | 25y 4m |
Amount delinquent:
| $210 |
Total credit lines:
| 60 |
Occupation: | Fireman |
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $22,735 | Stated income: | $50,000-$74,999 |
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 70% | | |
| |
Homeownership:
| Yes | | |
Screen name:
| firefighter254 |
Borrower's state:
| Georgia |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan history | Payment history | Credit score history |
Active / total loans:
| 1 / 1 |
On-time:
| 23 ( 100% )
| 660-679 (Latest)
|
Principal borrowed:
| $10,000.00 | < 31 days late:
| 0
( 0% )
| 680-699
(Aug-2008)
720-739
(Apr-2008)
|
Principal balance:
| $4,551.68 |
31+ days late:
| 0
( 0% )
|
Total payments billed:
| 23 | | |
Description
Operating Capital
Purpose of loan:
This loan will be used to provide operating capital and investment funds, For example, new vending equipment?
My financial situation, For the record, the?Dti is not correct, # 1, my spouse grosses $ 90.000 annually, # 2, my bussiness income is not included, # 3, the delinquent list is not accurate,as?we paid nextel, and disputed the credit bureau report. Please also consider that?I have had a Prosper acct for two years and Never been late. Thank You for your consideration.
Monthly net income: $ 5000.00
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
470908
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount:
| $3,000.00 |
Prosper Rating:
| B |
Auction Duration:
| 7 days
|
Term:
| 36 months |
Estimated loss:
| 6.0% | | |
| | |
|
Starting lender yield:
| 14.15% |
Starting borrower rate/APR:
| 15.15% / 17.32% |
Starting monthly payment:
| $104.22 |
|
Auction yield range:
| 5.89% - 14.15% |
Estimated loss impact:
| 6.19% | | |
Lender servicing fee:
| 1.00% |
Estimated return:
| 7.96% | | |
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10):
| 8 |
First credit line:
| Aug-1992 |
Debt/Income ratio:
| Not calculated |
Credit score:
| 760-779 (Aug-2010) |
Inquiries last 6m:
| 0 | Employment status: | Not employed |
Now delinquent:
| 0 |
Current / open credit lines:
| 5
/
5 | Length of status: | 1y 1m |
Amount delinquent:
| $0 |
Total credit lines:
| 21 | Stated income: | Not employed |
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $2,911 | |
Delinquencies in last 7y:
| 1 |
Bankcard utilization:
| 23% | | |
| |
Homeownership:
| No | | |
Screen name:
| noble-kindness690 |
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
Starting Graduate School in London
Purpose of loan:
I have been accepted to a graduate program in London which is a very exciting opportunity for me.? I have been approved for funding through student loans, however the disbursement occurs after my program begins and I will need some help getting to and settling there when I arrive.
My financial situation:
I am a good candidate for this loan because I know I will be able to pay it off quickly through other funding sources.? In addition to starting graduate school I have been focusing my attention on starting my own business in web development and design.? I have been looking for employment for about a year, but in a tight economy I recognized that I needed to make some changes to how I was approaching my work and my career.? I'm ready and motivated to advance my life forward through continuing education, the start of a new business opportunity, and enjoying a culturally rich city, such as London.?
Monthly net income: $300 - $500 (current)
I've been working on some small freelance projects to get my business started, my education will be funded through student loans while I continue to find new clients and build my business.
Expenses
My monthly expenses will be covered by educational financial assistance.
The loan I acquire through Prosper will go to the following expenses to get me started before my financial assistance begins.
Flight from the US to the UK:? $700-$1200
Temporary Living Expenses including accommodation and food:? $800 (converted from UK pounds at current rate of $1.59)
Books and Education Costs:? $300 (converted from UK pounds at a current rate of $1.59)
Transportation in the UK (to and from the airport and around the city):? $100 (converted from UK pounds at a current rate of $1.59)
Remainder for bills and leaving expenses in the US:? $600 (costs include storage of my vehicle)
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
470914
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount:
| $2,000.00 |
Prosper Rating:
| E |
Auction Duration:
| 7 days
|
Term:
| 36 months |
Estimated loss:
| 14.2% | | |
| | |
|
Starting lender yield:
| 33.35% |
Starting borrower rate/APR:
| 34.35% / 38.06% |
Starting monthly payment:
| $89.74 |
|
Auction yield range:
| 13.89% - 33.35% |
Estimated loss impact:
| 15.74% | | |
Lender servicing fee:
| 1.00% |
Estimated return:
| 17.61% | | |
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10):
| 6 |
First credit line:
| Mar-1972 |
Debt/Income ratio:
| Not calculated |
Credit score:
| 660-679 (Aug-2010) |
Inquiries last 6m:
| 0 | Employment status: | Other |
Now delinquent:
| 0 |
Current / open credit lines:
| 3
/
1 | Length of status: | 1y 7m |
Amount delinquent:
| $0 |
Total credit lines:
| 14 | Stated income: | $25,000-$49,999 |
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $11,681 | |
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 97% | | |
| |
Homeownership:
| No | | |
Screen name:
| joyful-deal4 |
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
Bill Consolidation
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 have the means to pay this loan off and have always paid my creditors.
Monthly net income: $ 3000
Monthly expenses: $
??Housing: $0.00
??Insurance: $
??Car expenses: $
??Utilities: $
??Phone, cable, internet: $ 200.00
??Food, entertainment: $ 500.00
??Clothing, household expenses $
??Credit cards and other loans: $ 300.00
??Other expenses: $
Information in the Description is not verified.