Listing Report:Supplement No. 22 dated Aug 19, 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
336312
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
|
Amount:
| $2,250.00 |
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:
| $90.35 |
| |
|
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:
| Apr-1988 |
Debt/Income ratio:
| 22% |
|
Credit score:
| 760-779 (Jul-2010) |
Inquiries last 6m:
| 0 | Employment status: | Employed |
|
Now delinquent:
| 0 |
Current / open credit lines:
| 8
/
6 | Length of status: | 7y 11m |
|
Amount delinquent:
| $0 |
Total credit lines:
| 28 |
Occupation: | Executive |
|
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $97,290 | Stated income: | $75,000-$99,999 |
|
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 84% | | |
| | |
Homeownership:
| Yes | | |
|
Screen name:
| Petronius |
Borrower's state:
| Michigan |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
| Loan history | Payment history | Credit score history |
|
Active / total loans:
| 0 / 1 |
On-time:
| 36 ( 100% )
| 760-779 (Latest)
|
|
Principal borrowed:
| $4,750.00 | < 31 days late:
| 0
( 0% )
| 740-759
(Jul-2007)
|
|
Principal balance:
| $0.07 |
31+ days late:
| 0
( 0% )
|
|
Total payments billed:
| 36 | | |
Description
Credit card consolidation/payoff
I will be using this loan to consolidate and payoff two store credit cards for my wife.
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
433478
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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:
| Nov-2000 |
Debt/Income ratio:
| 35% |
|
Credit score:
| 680-699 (Aug-2010) |
Inquiries last 6m:
| 0 | Employment status: | Employed |
|
Now delinquent:
| 0 |
Current / open credit lines:
| 12
/
10 | Length of status: | 2y 1m |
|
Amount delinquent:
| $0 |
Total credit lines:
| 23 |
Occupation: | Other |
|
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $19,578 | Stated income: | $25,000-$49,999 |
|
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 76% | | |
| | |
Homeownership:
| No | | |
|
Screen name:
| aro27 |
Borrower's state:
| California |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Description
Paying off credit cards
Purpose of loan:
This loan will be used to consolidate?3 of my cards into 1 payment. We are trying to save up funds to get a down payment on a house and have funds available raising 2 beautiful little boys.
My financial situation:
I am a good candidate for this loan because I am very reliable and have never been late on a payment. My fiance and I are in great stable jobs with lots of movement up.
Monthly net income: $ 2500.00 fiance is adding on $2700.00.
Monthly expenses: $ 2350/ 3550.00 with fiances expenses
??Housing: $ 1800 both?of us are paying so my half is 900 darn?california living expenses
??Insurance: $ 150
??Car expenses: $ 200 / mainly gas and oil changes
??Utilities: $ 50
??Phone, cable, internet: $?150
??Food, entertainment: $ 200
??Clothing, household expenses $ 200
??Credit cards and other loans: $ 500
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
453262
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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:
| 1.6% | | |
| | | |
|
|
Starting lender yield:
| 7.25% |
Starting borrower rate/APR:
| 8.25% / 8.59% |
Starting monthly payment:
| $471.78 |
| |
|
Auction yield range:
| 2.89% - 7.25% |
Estimated loss impact:
| 1.55% | | |
|
Lender servicing fee:
| 1.00% |
Estimated return:
| 5.70% | | |
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
|
Prosper score (1-10):
| 10 |
First credit line:
| Aug-1993 |
Debt/Income ratio:
| 15% |
|
Credit score:
| 740-759 (Aug-2010) |
Inquiries last 6m:
| 0 | Employment status: | Employed |
|
Now delinquent:
| 0 |
Current / open credit lines:
| 6
/
6 | Length of status: | 13y 5m |
|
Amount delinquent:
| $0 |
Total credit lines:
| 24 |
Occupation: | Computer Programmer |
|
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $39,477 | Stated income: | $75,000-$99,999 |
|
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 62% | | |
| | |
Homeownership:
| Yes | | |
|
Screen name:
| rate-entrepreneur9 |
Borrower's state:
| Illinois |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Description
Debt consolidation
Purpose of loan:
This loan will be used to pay off high interest rates credit cards.
My financial situation:
I am a good candidate for this loan because I am financially responsible.
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
468034
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
|
Amount:
| $3,000.00 |
Prosper Rating:
| HR |
Auction Duration:
| 7 days
|
|
Term:
| 36 months |
Estimated loss:
| 18.3% | | |
| | | |
|
|
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:
| 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:
| Sep-2002 |
Debt/Income ratio:
| 37% |
|
Credit score:
| 640-659 (Jul-2010) |
Inquiries last 6m:
| 2 | Employment status: | Employed |
|
Now delinquent:
| 0 |
Current / open credit lines:
| 7
/
6 | Length of status: | 2y 10m |
|
Amount delinquent:
| $0 |
Total credit lines:
| 44 |
Occupation: | Analyst |
|
Public records last 12m / 10y:
| 0/ 1 |
Revolving credit balance:
| $4,686 | Stated income: | $25,000-$49,999 |
|
Delinquencies in last 7y:
| 7 |
Bankcard utilization:
| 57% | | |
| | |
Homeownership:
| No | | |
|
Screen name:
| emphatic-benjamins |
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
change furnace
Purpose of loan:
To change furnace
My financial situation:
I am a good candidate for this loan because I have proven record of paying balances before they are due.?
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
470228
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
|
Amount:
| $12,500.00 |
Prosper Rating:
| 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:
| $501.97 |
| |
|
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:
| Aug-2002 |
Debt/Income ratio:
| 22% |
|
Credit score:
| 700-719 (Aug-2010) |
Inquiries last 6m:
| 0 | Employment status: | Employed |
|
Now delinquent:
| 0 |
Current / open credit lines:
| 8
/
8 | Length of status: | 0y 5m |
|
Amount delinquent:
| $0 |
Total credit lines:
| 20 |
Occupation: | Engineer - Mechanic... |
|
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $14,028 | Stated income: | $50,000-$74,999 |
|
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 86% | | |
| | |
Homeownership:
| Yes | | |
|
Screen name:
| trc02002 |
Borrower's state:
| Connecticut |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
| Loan history | Payment history | Credit score history |
|
Active / total loans:
| 0 / 1 |
On-time:
| 13 ( 100% )
| 700-719 (Latest)
|
|
Principal borrowed:
| $6,000.00 | < 31 days late:
| 0
( 0% )
| 680-699
(Sep-2008)
|
|
Principal balance:
| $0.00 |
31+ days late:
| 0
( 0% )
|
|
Total payments billed:
| 13 | | |
Description
PAY OFF OUR CREDIT CARDS
Purpose of loan:
This loan would allow my wife and I to consolidate our credit cards, and potentially reduce our monthly credit card payments by half. Currently we spend approximately $800 over 5 different credit cards each month. We have set ourselves on a plan to pay these cards off within the next 3 years, unfortunatelly this plan does not leave alot of room for extra expenses or savings. A loan would provide us with a lower monthly payment that would fit better into our budget, and still get us to our payoff goals.Thank you for taking a look at our loan listing.
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
470708
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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:
| 23.00% |
Starting borrower rate/APR:
| 24.00% / 27.48% |
Starting monthly payment:
| $392.33 |
| |
|
Auction yield range:
| 10.89% - 23.00% |
Estimated loss impact:
| 11.36% | | |
|
Lender servicing fee:
| 1.00% |
Estimated return:
| 11.64% | | |
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):
| 8 |
First credit line:
| Oct-1991 |
Debt/Income ratio:
| 6% |
|
Credit score:
| 720-739 (Aug-2010) |
Inquiries last 6m:
| 0 | Employment status: | Employed |
|
Now delinquent:
| 0 |
Current / open credit lines:
| 5
/
2 | Length of status: | 7y 4m |
|
Amount delinquent:
| $0 |
Total credit lines:
| 20 |
Occupation: | Professional |
|
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $0 | Stated income: | $75,000-$99,999 |
|
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 0% | | |
| | |
Homeownership:
| Yes | | |
|
Screen name:
| wealth-caramel |
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
Debt Free
Purpose of loan:
This loan will be used to pay off an education loan?
My financial situation:
I am a good candidate for this loan because a have good credit, have never had a problem paying back debt and I have a secure job that pays well
Monthly net income: $ 5000
Monthly expenses: $ 4200
??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
471304
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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:
| Mar-1998 |
Debt/Income ratio:
| Self-employed (DTI Not Calculated) |
|
Credit score:
| 700-719 (Aug-2010) |
Inquiries last 6m:
| 0 | Employment status: | Self-employed |
|
Now delinquent:
| 0 |
Current / open credit lines:
| 5
/
5 | Length of status: | 0y 0m |
|
Amount delinquent:
| $0 |
Total credit lines:
| 30 |
Occupation: | Food Service Manage... |
|
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $0 | Stated income: | $25,000-$49,999 |
|
Delinquencies in last 7y:
| 8 |
Bankcard utilization:
| 0% | | |
| | |
Homeownership:
| No | | |
|
Screen name:
| successful-kindness194 |
Borrower's state:
| Arizona |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Description
Inventory for Sweet Potatoes Coffee
Greetings!
This loan is to aid in the startup of Sweet Potatoes Coffee and Artists' Cafe. It will cover inventory costs, as well as assist with payroll. The company already has one investment of $10,000 from a private investor, as well as over $20,000 in personal equipment investment from the owner.
The owner does not have any outside income and is deriving a small salary from the operating costs of the business. The only personal monthly expenses are as follows:
Rent: $975
Car: $505 (he is working to sell the car to cut back on costs)
Food: $200
Utilities: $300
Phone: $100
TV/Internet: $100
The initial projections for this company are very promising and based on industry estimates for coffee shop startups will be able to reach the break even point at less than half of the recommended numbers. Based on an extremely conservative growth curve, profit should exceed $10,000 per month after the first year.
The monthly expenses are expected to be approximately $13000 for initial startup, and will grow as staff is added to meet customer demand. Equipment will be leased, and rent is low for the location. The shop targets students and artists, and will have an inexpensive decor designed around making artists feel at ease and creative. This will assist in keeping costs low due to low implementation costs. All build out will be covered by a very generous TI. There will be equipment for rent such as drafting tables, graphic design computers, and a studio for painting or photography, which will aid in income generation, but which is considered backup income and is not included in estimate figures.
The owner has a degree in business/computer science, and has 10+ years as a project manager/lead in the defense industry. In addition to this he has managed multi-million dollar budgets, and received multiple rewards for performance and cost cutting.
Thank you so much for your consideration and your bids!
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
471690
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
|
Amount:
| $1,075.00 |
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% / 40.89% |
Starting monthly payment:
| $48.63 |
| |
|
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:
| Mar-1998 |
Debt/Income ratio:
| Not calculated |
|
Credit score:
| 640-659 (Aug-2010) |
Inquiries last 6m:
| 1 | Employment status: | Not employed |
|
Now delinquent:
| 2 |
Current / open credit lines:
| 0
/
0 | Length of status: | 1y 3m |
|
Amount delinquent:
| $0 |
Total credit lines:
| 27 | Stated income: | Not employed |
|
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $0 | |
|
Delinquencies in last 7y:
| 16 |
Bankcard utilization:
| 0% | | |
| | |
Homeownership:
| No | | |
|
Screen name:
| satboog194 |
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
Short term loan for college
Purpose of loan:
This loan will be used to? allow me to buy books and supplies for this semester.??
My financial situation:
I am a good candidate for this loan because? I have an abundance of financial aid with grants and the GI Bill, but it will take about 4-6 weeks for the money to come in.? I have guaranteed money, but I just need to make sure I have everything covered until then.? This loan would be paid off very quickly.? My timeframe for paying off the loan would be about 2 months.?
Monthly net income: $ 1565????????????
Monthly expenses: $
??Housing: $ 425????????
??Insurance: $ 0????
??Car expenses: $ 0
??Utilities: $ 0
??Phone, cable, internet: $ 0
??Food, entertainment: $ 200
??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
471886
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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:
| Sep-2007 |
Debt/Income ratio:
| 36% |
|
Credit score:
| 640-659 (Aug-2010) |
Inquiries last 6m:
| 0 | Employment status: | Employed |
|
Now delinquent:
| 0 |
Current / open credit lines:
| 6
/
6 | Length of status: | 2y 11m |
|
Amount delinquent:
| $0 |
Total credit lines:
| 20 |
Occupation: | Sales - Retail |
|
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $4,334 | Stated income: | $1-$24,999 |
|
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 83% | | |
| | |
Homeownership:
| No | | |
|
Screen name:
| best-compassionate-fairness |
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 my credit cards
Purpose of loan:
This loan will be used to consolidate all of my credit card debt and to buy the rest of my books for school.
My financial situation:
I am a good candidate for this loan because I always pay my bills on time and I am a very responsible person. I also recently got a raise and a promotion at work so that will help with paying off any bills that I may have. I also live with my parents while I go to school so I do not have any huge monthly payments that I need to make, and I am only responsible for buying groceries, and for paying any personal or school related expenses. Prosper.com is forecasting my monthly payment to be around $226 and that is roughly what I take home in one week, and I can use the rest of my paychecks to pay for any bills that I may have.
Monthly net income: $ 1200
Monthly expenses: $
??Housing: $
??Insurance: $ 22
??Car expenses: $ 100
??Utilities: $
??Phone, cable, internet: $ 50
??Food, entertainment: $ 300
??Clothing, household expenses $
??Credit cards and other loans: $ 250
??Other expenses: $ 200 (these are school related expenses because I am taking photography classes which can be expensive, and I am involved with Girl Scouts so I have to pay for camping, and any trips the girls in my troop want to take)
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
472104
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
|
Amount:
| $6,000.00 |
Prosper Rating:
| E |
Auction Duration:
| 7 days
|
|
Term:
| 36 months |
Estimated loss:
| 14.2% | | |
| | | |
|
|
Starting lender yield:
| 33.35% |
Starting borrower rate/APR:
| 34.35% / 38.06% |
Starting monthly payment:
| $269.21 |
| |
|
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:
| Jan-2004 |
Debt/Income ratio:
| Not calculated |
|
Credit score:
| 700-719 (Aug-2010) |
Inquiries last 6m:
| 2 | Employment status: | Employed |
|
Now delinquent:
| 0 |
Current / open credit lines:
| 5
/
5 | Length of status: | 1y 4m |
|
Amount delinquent:
| $0 |
Total credit lines:
| 9 |
Occupation: | Teacher |
|
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $2,472 | Stated income: | $25,000-$49,999 |
|
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 34% | | |
| | |
Homeownership:
| No | | |
|
Screen name:
| nickel-taco9 |
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
Fund new student aid program
Purpose of loan:
This loan will be used to help fund a new program called "Dreamers Achieve" in inner cities throughout northern New Jersey. Unfortunately the government does not financially support these aids for children in need of extra attention and support, especially after budget cuts over the past two years. Every teacher at my school is raising the money individually to earn enough to buy basic supplies and transportation for the students interested in participating.
My financial situation:
I am a good candidate for this loan because even though I do no have the money?now, my credit report shows that I have excellent credit with no bankruptcies, ate payments, reoccurring loans and/or accounts and am a reliable candidate. I ask that you trust me with good faith and a helping hand and I guarantee that I will pay on time with no problems.
Monthly net income: $6437
Monthly expenses: $
??Housing: $2953?
??Insurance: $256
??Car expenses: $1859
??Utilities: $963
??Phone, cable, internet: $245
??Food, entertainment: $550
??Clothing, household expenses $330
??Credit cards and other loans: $75?
??Other expenses: $
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
472128
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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:
| 10.15% |
Starting borrower rate/APR:
| 11.15% / 13.27% |
Starting monthly payment:
| $492.15 |
| |
|
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:
| Dec-1990 |
Debt/Income ratio:
| 9% |
|
Credit score:
| 780-799 (Aug-2010) |
Inquiries last 6m:
| 0 | Employment status: | Employed |
|
Now delinquent:
| 0 |
Current / open credit lines:
| 10
/
9 | Length of status: | 0y 11m |
|
Amount delinquent:
| $0 |
Total credit lines:
| 24 |
Occupation: | Professional |
|
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $67,396 | Stated income: | $75,000-$99,999 |
|
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 68% | | |
| | |
Homeownership:
| Yes | | |
|
Screen name:
| sensible-dollar3 |
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
Inventory for the holiday season
Purpose of loan:
This loan will be used to?my husband and I co-founded a toy company called Twisterz Toys (www.twisterztoys.com).? We have bootstrapped all start up costs and the cost of our first shipment.? We have Purchase Orders outstanding for $50,000+.? Sales have been better than expected, with nearly all inventory gone, including a large order from Borders.
We require the loan to help finance the purchase of inventory for Q4 sales.?
My financial situation:
I am a good candidate for this loan because my credit is excellent, I don't miss payments, I don't have a lot of debt, and our product is a proven seller.
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
472140
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
|
Amount:
| $6,000.00 |
Prosper Rating:
| D |
Auction Duration:
| 7 days
|
|
Term:
| 36 months |
Estimated loss:
| 10.8% | | |
| | | |
|
|
Starting lender yield:
| 26.50% |
Starting borrower rate/APR:
| 27.50% / 31.05% |
Starting monthly payment:
| $246.56 |
| |
|
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:
| Sep-1978 |
Debt/Income ratio:
| 19% |
|
Credit score:
| 720-739 (Aug-2010) |
Inquiries last 6m:
| 0 | Employment status: | Employed |
|
Now delinquent:
| 0 |
Current / open credit lines:
| 10
/
8 | Length of status: | 1y 5m |
|
Amount delinquent:
| $0 |
Total credit lines:
| 23 |
Occupation: | Computer Programmer |
|
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $10,613 | Stated income: | $75,000-$99,999 |
|
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 95% | | |
| | |
Homeownership:
| Yes | | |
|
Screen name:
| Yoseph81 |
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
Business Funding - No Risk
Purpose of loan: Purchase of security vulnerability scanning software for PC, and specialized laptop to run it. I am expanding my consulting business to provide security vulnerability scanning and verification for Credit Card acceptance.
My financial situation: I am employed with CACI Inc, a leading defense contractor, and am a senior systems engineer. I also own a business engaging in information assurance and systems engineering consulting. As listed below I make more than enough money to cover this loan with an overage of?2000 dollars a month, an a DTI of less than 20 percent even after adding this loan.Additionally I hold a Security Clearance with the DoD.
Monthly net income: $ 5100
Monthly expenses: $ 3110??
Housing: $ 1100??
Insurance: $ 160??
Car expenses: $ 550??
Utilities: $ 400??
Phone, cable, internet: $ 100??
Food, entertainment: $ 400??
Clothing, household expenses $ 100??
Credit cards and other loans: $ 300??
Other expenses: $ 0
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
472142
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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:
| 10.15% |
Starting borrower rate/APR:
| 11.15% / 13.27% |
Starting monthly payment:
| $492.15 |
| |
|
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:
| Sep-1998 |
Debt/Income ratio:
| 22% |
|
Credit score:
| 720-739 (Aug-2010) |
Inquiries last 6m:
| 0 | Employment status: | Employed |
|
Now delinquent:
| 0 |
Current / open credit lines:
| 17
/
17 | Length of status: | 3y 0m |
|
Amount delinquent:
| $0 |
Total credit lines:
| 33 |
Occupation: | Teacher |
|
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $34,594 | Stated income: | $50,000-$74,999 |
|
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 44% | | |
| | |
Homeownership:
| Yes | | |
|
Screen name:
| NMamadman |
Borrower's state:
| NewMexico |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Description
Paying Off My Credit Cards
Purpose of loan:
This loan will be used to?
Pay off my credit cards. As you all know, banks and credit card companies have been getting tighter and tighter with their lending and borrowing. I would like to give my interest to opportune people such as yourselves than the big companies. I would like to get it in one place and start knocking out this debt quickly. I plan on paying more than the minimum monthly payments.
My financial situation:
I am a good candidate for this loan because?I have a safe job for starters. I am a high school teacher in my 7th year. I'm dual certified in math and science and so that aspect is safe. As you can see, I have no delinquencies and find pride in that. I also have money in stocks if I have to pull it out to pay the loan as a last resort. The breakdown of my income: Teaching: ~$45,000/year, Tutoring: ~$2,000 - $3,000 and Rental Income $7,000.
The rental income can look deceiving because it is all used to cancel out my mortgage and home equity loan payments (about $15,000 of the $34,594 of the revolving balance). 10 months of rent @ $700/month. Mortgage is $570 and Home Equity is around $80. This is safe as well because I rent it out to my old rugby coach and his speech pathologist (who works for the school systems) wife. This will be the 4th straight school year that they have rented it. I currently live with my fiance and give her $400/month toward her/our future mortgage.
So you could basically say that the rental income cancels out the house costs, and that my current mortgage obligation is $400/month.
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
472148
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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:
| 36.6% | | |
| | | |
|
|
Starting lender yield:
| 18.90% |
Starting borrower rate/APR:
| 19.90% / 23.29% |
Starting monthly payment:
| $259.79 |
| |
|
Auction yield range:
| 16.89% - 18.90% |
Estimated loss impact:
| 37.66% | | |
|
Lender servicing fee:
| 1.00% |
Estimated return:
| -18.76% | | |
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
|
Prosper score (1-10):
| 1 |
First credit line:
| Jun-1994 |
Debt/Income ratio:
| Not calculated |
|
Credit score:
| 640-659 (Aug-2010) |
Inquiries last 6m:
| 1 | Employment status: | Employed |
|
Now delinquent:
| 1 |
Current / open credit lines:
| 12
/
10 | Length of status: | 1y 0m |
|
Amount delinquent:
| $1,187 |
Total credit lines:
| 46 |
Occupation: | Teacher |
|
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $6,486 | Stated income: | $1-$24,999 |
|
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 89% | | |
| | |
Homeownership:
| Yes | | |
|
Screen name:
| top-towering-hope |
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
Single mom would like your help!
Purpose of loan:
This loan will be used to?
consolidate my credit card balances and replace my furnace (my air conditioner was vandalized and to fix it, I need to replace my furnace due to new government regulations.? My son has severe asthma and cannot tolerate the humidity, so I have no choice but to it and I could not find funding to help me with it).? I am a single mom with 3 children, 2 of them are in college.? My husband committed suicide 3 years ago.? I have been trying diligently to dig out of the mess he left me in.? I am currently working 3 jobs, although it only gave me room to put in one.? I also clean houses and work in a convenience store part time.? I have mapped out my debt using the Dave Ramsey method for paying bills and my goal is to be completely out of debt in 10 years, including my house.? I believe I can do this, but need your help!? I really need someone to believe in me and help me with this!? Thank you so very much!
My financial situation:
I am a good candidate for this loan because?
I am an extremely honest person and although I do have one bill past due, it is thus because I am working with my housing lender to lower my interest rate.? They would not work with me until my payment was delinquent, so I purposefully did not pay it this last month.? Although I have a bill which was in my husband's name and not mine for over $10,000, I paid it in full.? I felt I was responsible for it, as he had signed for the items.? The lender had not realized he had passed and missed running it through the estate, so I was not legally obligated to pay it.? I have very high ethics!
Monthly net income: $
Monthly expenses: $
??Housing: $
598 ????
??Insurance: $
350
??Car expenses: $
130 ????
??Utilities: $
175
??Phone, cable, internet: $
79
??Food, entertainment: $
170
??Clothing, household expenses $
40
??Credit cards and other loans: $
300
??Other expenses: $
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
472152
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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:
| Jan-1994 |
Debt/Income ratio:
| 13% |
|
Credit score:
| 680-699 (Aug-2010) |
Inquiries last 6m:
| 1 | Employment status: | Employed |
|
Now delinquent:
| 1 |
Current / open credit lines:
| 5
/
4 | Length of status: | 30y 3m |
|
Amount delinquent:
| $0 |
Total credit lines:
| 37 |
Occupation: | Other |
|
Public records last 12m / 10y:
| 0/ 1 |
Revolving credit balance:
| $6,064 | Stated income: | $50,000-$74,999 |
|
Delinquencies in last 7y:
| 43 |
Bankcard utilization:
| 95% | | |
| | |
Homeownership:
| No | | |
|
Screen name:
| nimble-responsibility |
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
Working on being debt free
Purpose of loan:
This loan will be used to pay off some debits. Want to retire in the next 5 years?trying to become debt free.?Looking to have one easy payment. Looking for financial freedom.
My financial situation:
I am a good candidate for this loan because The house I currently live is is the home I grew up in. I have only moved twice in my life time. I have a solid work record by being?employed with the same company for 30 years. I am wanting to improve my credit score, be stress free of bills/debt. When I retire I want to live stress and debt free.
Monthly net income: $ 52,000
Monthly expenses: $
??Housing: $ 0
??Insurance: $ 125
??Car expenses: $ 550
??Utilities: $ 200
??Phone, cable, internet: $ 110
??Food, entertainment: $?75
??Clothing, household expenses $ 50
??Credit cards and other loans: $ 8,000
??Other expenses: $ 100
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
472154
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
|
Amount:
| $9,000.00 |
Prosper Rating:
| D |
Auction Duration:
| 7 days
|
|
Term:
| 36 months |
Estimated loss:
| 10.8% | | |
| | | |
|
|
Starting lender yield:
| 24.50% |
Starting borrower rate/APR:
| 25.50% / 29.01% |
Starting monthly payment:
| $360.22 |
| |
|
Auction yield range:
| 10.89% - 24.50% |
Estimated loss impact:
| 11.40% | | |
|
Lender servicing fee:
| 1.00% |
Estimated return:
| 13.10% | | |
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should 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:
| Nov-2001 |
Debt/Income ratio:
| 14% |
|
Credit score:
| 680-699 (Aug-2010) |
Inquiries last 6m:
| 0 | Employment status: | Employed |
|
Now delinquent:
| 0 |
Current / open credit lines:
| 9
/
9 | Length of status: | 10y 4m |
|
Amount delinquent:
| $0 |
Total credit lines:
| 14 |
Occupation: | Analyst |
|
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $10,221 | Stated income: | $50,000-$74,999 |
|
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 82% | | |
| | |
Homeownership:
| Yes | | |
|
Screen name:
| integrity-enlistment |
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 my debt!!
Purpose of loan:
This loan will be used to pay off my credit card debt and consolidate it into one payment.
My financial situation:
I am a good candidate for this loan because I was recently promoted and received a pay increase.? Also, part of the reason my score is low is because of my debt to income ratio, which includes students loans I co-signed for my sister so that she could finish college.?I have no delinquencies and hope that people look at me as a good investment.? I appreciate the consideration.
Monthly net income: $ 3000
Monthly expenses: $
??Housing: $ 1300
??Insurance: $ 160
??Car expenses: $
??Utilities: $?150
??Phone, cable, internet: $ 50
??Food, entertainment: $?100
??Clothing, household expenses $ 200
??Credit cards and other loans: $ 300
??Other expenses: $
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
472164
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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:
| Jul-2000 |
Debt/Income ratio:
| 9% |
|
Credit score:
| 660-679 (Aug-2010) |
Inquiries last 6m:
| 1 | Employment status: | Other |
|
Now delinquent:
| 0 |
Current / open credit lines:
| 2
/
2 | Length of status: | 13y 8m |
|
Amount delinquent:
| $0 |
Total credit lines:
| 3 | Stated income: | $25,000-$49,999 |
|
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $1,345 | |
|
Delinquencies in last 7y:
| 13 |
Bankcard utilization:
| 5% | | |
| | |
Homeownership:
| No | | |
|
Screen name:
| top-lucrative-cash |
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
Putting on a roof
Purpose of loan:
This loan will be used to put a new roof on my home.
My financial situation:
I am a good candidate for this loan becausei have taken a side job making an additional 1200.00/mo that will more than cover the monthly payments. My credit score is in tack and over the last?several months i have not missed a payment on time with my credit.?
Monthly net income: $ 2700.00????????
Monthly expenses: $
??Housing: $?100????
??Insurance: $ 156
??Car expenses: $ 200
??Utilities: $ 160.00
??Phone, cable, internet: $150
??Food, entertainment: $ 200
??Clothing, household expenses $ 150
??Credit cards and other loans: $150
??Other expenses: $ 200
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
472166
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
|
Amount:
| $2,200.00 |
Prosper Rating:
| 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:
| $99.52 |
| |
|
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:
| Jun-1993 |
Debt/Income ratio:
| Not calculated |
|
Credit score:
| 620-639 (Jul-2010) |
Inquiries last 6m:
| 1 | Employment status: | Employed |
|
Now delinquent:
| 0 |
Current / open credit lines:
| 4
/
4 | Length of status: | 3y 11m |
|
Amount delinquent:
| $0 |
Total credit lines:
| 7 |
Occupation: | Sales - Commission |
|
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $8,721 | Stated income: | $25,000-$49,999 |
|
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 99% | | |
| | |
Homeownership:
| No | | |
|
Screen name:
| certifiedlifecoach |
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:
| 35 ( 100% )
| 620-639 (Latest)
|
|
Principal borrowed:
| $1,200.00 | < 31 days late:
| 0
( 0% )
| 620-639
(Jul-2007)
|
|
Principal balance:
| $41.72 |
31+ days late:
| 0
( 0% )
|
|
Total payments billed:
| 35 | | |
Description
Successful, Internet Marketer/Actor
? Hi I'm a hard working man who has went through?two layoffs wihin the past 4 yrs.?
...I just started my own internet marketing company, "Integrative Marketing Strategies"? registered here in the State of Ohio and would like to never have to experience a layoff ever again.?
? I've been studying with top well known internet Marketing Guru,? for the past six months and am now scheduled to launch a lucrative affiliate sales program as well my own products and web sites.? I have some start up costs for this launch, but because of the team that I am aligned with success is almost guaranteed.?
? ?I've worked hard my entire life since the age of 15.? My natural work ethic combined with the team I have is a naturally sound investment.? In my sales background which includes Nordstrom's and ten yrs. in the jewelry business I've developed great sales success generally being number one at each place of employment.??I also have a passion for the craft of Acting which also brings additional income from commercials.?
? ?I thank you for your time and your consideration of funding my loan.?
?????????????????????????????????????????????????????????...Sincerely,?Successfully Self Employed?. :-)?
? p.s. Next month I will complete final payment on my first Prosper.com loan which began 36 months ago.???? I have an excellent track record, and a good credit score.
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
472170
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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:
| B |
Auction Duration:
| 7 days
|
|
Term:
| 36 months |
Estimated loss:
| 5.0% | | |
| | | |
|
|
Starting lender yield:
| 12.65% |
Starting borrower rate/APR:
| 13.65% / 15.80% |
Starting monthly payment:
| $85.02 |
| |
|
Auction yield range:
| 5.89% - 12.65% |
Estimated loss impact:
| 5.16% | | |
|
Lender servicing fee:
| 1.00% |
Estimated return:
| 7.49% | | |
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
|
Prosper score (1-10):
| 9 |
First credit line:
| Jul-2000 |
Debt/Income ratio:
| 10% |
|
Credit score:
| 700-719 (Aug-2010) |
Inquiries last 6m:
| 3 | Employment status: | Employed |
|
Now delinquent:
| 0 |
Current / open credit lines:
| 6
/
5 | Length of status: | 3y 2m |
|
Amount delinquent:
| $0 |
Total credit lines:
| 21 |
Occupation: | Other |
|
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $5,670 | Stated income: | $50,000-$74,999 |
|
Delinquencies in last 7y:
| 2 |
Bankcard utilization:
| 16% | | |
| | |
Homeownership:
| No | | |
|
Screen name:
| Trustworthy-Loyal |
Borrower's state:
| Indiana |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
| Loan history | Payment history | Credit score history |
|
Active / total loans:
| 1 / 1 |
On-time:
| 4 ( 67% )
| 700-719 (Latest)
|
|
Principal borrowed:
| $4,500.00 | < 31 days late:
| 2
( 33% )
| 720-739
(Jan-2010)
|
|
Principal balance:
| $3,829.65 |
31+ days late:
| 0
( 0% )
|
|
Total payments billed:
| 6 | | |
Description
Paying off my debt
Purpose of loan:
This loan will be used to?
pay off some debt and try to get ahead of my bills????????
My financial situation:
I am a good candidate for this loan because?
i have a good paying job and always put my bills first before spending money????
Monthly net income: $
3000????
Monthly expenses: $
??Housing: $ 350????????
??Insurance: $ 130
??Car expenses: $ 460
??Utilities: $ 50
??Phone, cable, internet: $ 150
??Food, entertainment: $ 300
??Clothing, household expenses $ 100
??Credit cards and other loans: $ 300
??Other expenses: $
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
472176
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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:
| 18.99% |
Starting borrower rate/APR:
| 19.99% / 23.38% |
Starting monthly payment:
| $278.69 |
| |
|
Auction yield range:
| 13.89% - 18.99% |
Estimated loss impact:
| 15.04% | | |
|
Lender servicing fee:
| 1.00% |
Estimated return:
| 3.95% | | |
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):
| 5 |
First credit line:
| Feb-1987 |
Debt/Income ratio:
| 19% |
|
Credit score:
| 720-739 (Aug-2010) |
Inquiries last 6m:
| 4 | Employment status: | Employed |
|
Now delinquent:
| 0 |
Current / open credit lines:
| 29
/
29 | Length of status: | 3y 1m |
|
Amount delinquent:
| $0 |
Total credit lines:
| 61 |
Occupation: | Analyst |
|
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $90,346 | Stated income: | $100,000+ |
|
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 75% | | |
| | |
Homeownership:
| Yes | | |
|
Screen name:
| galleon427 |
Borrower's state:
| Texas |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Description
Debt Consolidation
Purpose of loan:
This loan will be used to consolidate debt?and lower my interest costs.?
My financial situation:
I am a good candidate for this loan because I have never missed any payments in the past.? I had a business that I had to sell at a loss to reduce my liability.? I am working to resolve all the debt I incurred running the business.? I have a solid job with good cash flow.? This will help me pay back my debt quicker.
Monthly net income: $ 160,000 per year
Monthly expenses: $ 6225 per month
??Housing: $ 1575.
??Insurance: $ 150
??Car expenses: $500
??Utilities: $ 300
??Phone, cable, internet: $300
??Food, entertainment: $ 600
??Clothing, household expenses $ 300
??Credit cards and other loans: $ 2000
??Other expenses: $ 500
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
472178
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
|
Amount:
| $9,000.00 |
Prosper Rating:
| 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:
| $369.85 |
| |
|
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:
| Jul-2003 |
Debt/Income ratio:
| 74% |
|
Credit score:
| 740-759 (Aug-2010) |
Inquiries last 6m:
| 0 | Employment status: | Employed |
|
Now delinquent:
| 0 |
Current / open credit lines:
| 9
/
9 | Length of status: | 0y 7m |
|
Amount delinquent:
| $0 |
Total credit lines:
| 13 |
Occupation: | Administrative Assi... |
|
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $4,846 | Stated income: | $1-$24,999 |
|
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 47% | | |
| | |
Homeownership:
| Yes | | |
|
Screen name:
| encouraging-order95 |
Borrower's state:
| Florida |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Description
Paying off Family Member
Purpose of loan:
This loan will be used to pay off my mother in law. She let us borrow the money intrest free, but now my sister in law is getting married and I know she needs the money to pay for the wedding, faster?than I can?pay it back.?
My financial situation:
I am a good candidate for this loan because out of my stated income it did not include my husbands income which pays for most of the bills. We are trying to save for a new home but need to pay off debt first.And also dont like owing family money.
Monthly net income: $? 1300
Monthly expenses: $
??Housing: $ n/a ( husbands income)
??Insurance: $?180
??Car expenses: $? 300
??Utilities: $ n/a ( husband's income)
??Phone, cable, internet: $
??Food, entertainment: $?
??Clothing, household expenses $ 100
??Credit cards and other loans: $ ( husband's income)
??Other expenses: $
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
472180
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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:
| 17.00% |
Starting borrower rate/APR:
| 18.00% / 21.35% |
Starting monthly payment:
| $271.14 |
| |
|
Auction yield range:
| 13.89% - 17.00% |
Estimated loss impact:
| 14.95% | | |
|
Lender servicing fee:
| 1.00% |
Estimated return:
| 2.05% | | |
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
|
Prosper score (1-10):
| 5 |
First credit line:
| May-2001 |
Debt/Income ratio:
| 18% |
|
Credit score:
| 700-719 (Jul-2010) |
Inquiries last 6m:
| 0 | Employment status: | Employed |
|
Now delinquent:
| 0 |
Current / open credit lines:
| 2
/
2 | Length of status: | 18y 0m |
|
Amount delinquent:
| $0 |
Total credit lines:
| 7 |
Occupation: | Sales - Commission |
|
Public records last 12m / 10y:
| 0/ 1 |
Revolving credit balance:
| $0 | Stated income: | $50,000-$74,999 |
|
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 0% | | |
| | |
Homeownership:
| Yes | | |
|
Screen name:
| CarlosCespedes |
Borrower's state:
| Florida |
Borrower's group:
| Global Group - Fast Same Day Approval - |
Credit and homeownership information was obtained 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:
| 30 ( 100% )
| 700-719 (Latest)
|
|
Principal borrowed:
| $3,500.00 | < 31 days late:
| 0
( 0% )
| 700-719
(Jun-2010)
720-739
(Apr-2010)
720-739
(Feb-2010)
700-719
(Dec-2009)
|
|
Principal balance:
| $849.85 |
31+ days late:
| 0
( 0% )
|
|
Total payments billed:
| 30 | | |
Description
BUILDING EXTRA ROOM FOR RENT
I had been in Prosper History for more than 9 years with excellent record,I pay on time 100%,or before,I made lending also in Prosper too I have more than 50 notes means
I will be? or must be in Propser for long time more,I dcided many things but this is my last project and I count with propser community for this big hand,build a room I have all permits and
plan ready this room? will be rented out in the? 400-450 range,I always have guests for it.it is almost done all I need it is basic ?refinish to assure quality and furnishing,,bathroom,kitchenette
and I will do it myself means a big saving.
I am getting income monthly gross around 6-7 thousands a m onth in rents,my jobs,and handyman work I do,I am?? a very occupied person in the matter of jobs,you can see me
in the morning construction in my 4 properties I run myself and at night in a bar,wedding,convention working as a server or bartender,and ther week ends,I make delivery with my
pickup truck and assist people in small projects,thanks to craiglist I am? always busy and doing/making ?some money.My credit score ?719,prosper is rating me as E because history more than 9 years ago,
but I am on my feet getting better all the time.I appreciate your help and understanding in this matter,I can pay and is the reason I am asking and making this commitment
I am? a business entrepreneur with real plans non dreams and I need your decision I can lend? you tomorrow but today I need this plan in developement,Thanks
besides I want to tell you season in miami is coming in October so? you will receive a lump sum?? quick..Feel free to ask me any question for public disclosure.
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
472186
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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:
| 10.15% |
Starting borrower rate/APR:
| 11.15% / 13.27% |
Starting monthly payment:
| $492.15 |
| |
|
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:
| Sep-1995 |
Debt/Income ratio:
| 26% |
|
Credit score:
| 740-759 (Aug-2010) |
Inquiries last 6m:
| 0 | Employment status: | Employed |
|
Now delinquent:
| 0 |
Current / open credit lines:
| 13
/
8 | Length of status: | 5y 0m |
|
Amount delinquent:
| $0 |
Total credit lines:
| 48 |
Occupation: | Computer Programmer |
|
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $7,167 | Stated income: | $100,000+ |
|
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 25% | | |
| | |
Homeownership:
| No | | |
|
Screen name:
| ferocious-trade858 |
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
Negative Auto Equity Loan
Financing of Negative Equity in Car:
In keeping with the common Dave Ramsey advice of getting rid of an expensive liability, I am selling my heavily depreciated car for a loss, and looking to acquire a personal loan to finance the negative equity. I will be replacing my car with a more reliable, but much older and free alternative that my family is gifting to me. Because of this, my debt/income ratio listed above should decrease heavily. I will be unloading $50,000 worth of auto loan debt to take on this $15,000 loan. The replacement car will cost me nothing.
My financial situation:
I have a very stable job with the leading company in Internet Dating. Our business has been climbing during this recession, and I am a primary asset to the company, so my future looks very good. I am getting married in the next year, and this is my first step to more responsible financial practices.
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
472192
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
|
Amount:
| $4,500.00 |
Prosper Rating:
| HR |
Auction Duration:
| 7 days
|
|
Term:
| 36 months |
Estimated loss:
| 18.3% | | |
| | | |
|
|
Starting lender yield:
| 34.00% |
Starting borrower rate/APR:
| 35.00% / 38.72% |
Starting monthly payment:
| $203.56 |
| |
|
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-2005 |
Debt/Income ratio:
| 13% |
|
Credit score:
| 660-679 (Aug-2010) |
Inquiries last 6m:
| 1 | Employment status: | Employed |
|
Now delinquent:
| 0 |
Current / open credit lines:
| 3
/
3 | Length of status: | 5y 0m |
|
Amount delinquent:
| $0 |
Total credit lines:
| 6 |
Occupation: | Teacher |
|
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $8,165 | Stated income: | $25,000-$49,999 |
|
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 99% | | |
| | |
Homeownership:
| Yes | | |
|
Screen name:
| spry-peso |
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
Our growing family needs a car!
Purpose of loan:
We would use the money from this loan along with the $7000 we have saved to buy a car that we have needed for quite some time! Between my husband's career and me running around with a baby, the bus just isn't cutting it anymore!
My financial situation:
We are becoming more and more financially stable! My husband was just promoted into management where he works, and we are hoping to buy this car and then work on getting 100% debt free. We have saved up $7000 for this car, and have already budgeted to put $500 a month towards paying off the loan.
Monthly net income: $5600
Monthly expenses: $200
??Housing: $700
??Insurance: $97
??Car expenses: $200
??Utilities: $70
??Phone, cable, internet: $25
??Food, entertainment: $55
??Clothing, household expenses $40
??Credit cards and other loans: $210
??Other expenses: $100
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
472198
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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:
| 18.99% |
Starting borrower rate/APR:
| 19.99% / 23.38% |
Starting monthly payment:
| $278.69 |
| |
|
Auction yield range:
| 16.89% - 18.99% |
Estimated loss impact:
| 37.66% | | |
|
Lender servicing fee:
| 1.00% |
Estimated return:
| -18.67% | | |
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
|
Prosper score (1-10):
| 1 |
First credit line:
| Sep-2001 |
Debt/Income ratio:
| 51% |
|
Credit score:
| 640-659 (Aug-2010) |
Inquiries last 6m:
| 5 | Employment status: | Employed |
|
Now delinquent:
| 1 |
Current / open credit lines:
| 14
/
13 | Length of status: | 10y 5m |
|
Amount delinquent:
| $1,989 |
Total credit lines:
| 25 |
Occupation: | Retail Management |
|
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $3,112 | Stated income: | $25,000-$49,999 |
|
Delinquencies in last 7y:
| 9 |
Bankcard utilization:
| 87% | | |
| | |
Homeownership:
| Yes | | |
|
Screen name:
| leverage-hunter |
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
Growing Business needs inventory
Purpose of loan:
This loan will be used to?
Purchase inventory for my growing business. I am the only authorized service center for my type of product in my area. The manufacturer I buy from is slow in shipping my most basic items, usually 2-3 weeks. As a result, I am missing sales daily from this long delay. I want to stock a majority of items that we can quickly turn and burn. I have analysed my past sales, and know exactly what is needed to bring this business to the next level.
My financial situation:
I am a good candidate for this loan because...
I have 10 years experience in this industry with my current employer. Since I statred my business, my sales have doubled in the last 6 months. My only problem is not enough capital to buy the stock merchandise needed to service my customers. I have a steady job with the same company for the last 10 years. I have a wife and two kids, and I am very dedicated to making my new business grow into the family business I have always dreamed of having. I am commited to succeed, and will,
Monthly net income: $6500
Monthly expenses: $
??Housing: $ 1777
??Insurance: $ 232
??Car expenses: $ 348
??Utilities: $?275
??Phone, cable, internet: $ 80
??Food, entertainment: $?500
??Clothing, household expenses $ 500
??Credit cards and other loans: $ 75
??Other expenses: $
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
472200
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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:
| Sep-2000 |
Debt/Income ratio:
| 19% |
|
Credit score:
| 760-779 (Aug-2010) |
Inquiries last 6m:
| 2 | Employment status: | Employed |
|
Now delinquent:
| 0 |
Current / open credit lines:
| 9
/
8 | Length of status: | 4y 1m |
|
Amount delinquent:
| $0 |
Total credit lines:
| 16 |
Occupation: | Engineer - Mechanic... |
|
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $18,035 | Stated income: | $75,000-$99,999 |
|
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 71% | | |
| | |
Homeownership:
| Yes | | |
|
Screen name:
| inventive-velocity0 |
Borrower's state:
| Washington |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Description
Paying off my credit cards
Purpose of loan:
This loan will be used to consolidate high interest credit card debt and reduce the amount of interest paid toward debt
My financial situation:
I am a good candidate for this loan because I have steady income, always pay debt on time.? My wife is currently in nursing school and will finish in August 2011.? With both of us working we will be able to quickly payoff this loan
Monthly net income: $
4900
Monthly expenses: $
??Housing: $
2250
??Insurance: $
130
??Car expenses: $
275
??Utilities: $
10
??Phone, cable, internet: $ 200
??Food, entertainment: $ 600
? Credit cards and other loans: $
1000
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
472204
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
|
Amount:
| $5,500.00 |
Prosper Rating:
| HR |
Auction Duration:
| 7 days
|
|
Term:
| 36 months |
Estimated loss:
| 18.3% | | |
| | | |
|
|
Starting lender yield:
| 25.00% |
Starting borrower rate/APR:
| 26.00% / 29.52% |
Starting monthly payment:
| $221.60 |
| |
|
Auction yield range:
| 16.89% - 25.00% |
Estimated loss impact:
| 19.74% | | |
|
Lender servicing fee:
| 1.00% |
Estimated return:
| 5.26% | | |
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should 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:
| Oct-1997 |
Debt/Income ratio:
| 16% |
|
Credit score:
| 620-639 (Aug-2010) |
Inquiries last 6m:
| 2 | Employment status: | Employed |
|
Now delinquent:
| 0 |
Current / open credit lines:
| 8
/
8 | Length of status: | 23y 10m |
|
Amount delinquent:
| $0 |
Total credit lines:
| 33 |
Occupation: | Other |
|
Public records last 12m / 10y:
| 0/ 1 |
Revolving credit balance:
| $10,345 | Stated income: | $75,000-$99,999 |
|
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 98% | | |
| | |
Homeownership:
| No | | |
|
Screen name:
| boulderclear |
Borrower's state:
| Colorado |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
| Loan history | Payment history | Credit score history |
|
Active / total loans:
| 1 / 1 |
On-time:
| 24 ( 96% )
| 620-639 (Latest)
|
|
Principal borrowed:
| $2,950.00 | < 31 days late:
| 1
( 4% )
| 640-659
(Jul-2010)
640-659
(Jun-2010)
620-639
(Jul-2009)
600-619
(Jun-2008)
|
|
Principal balance:
| $1,038.63 |
31+ days late:
| 0
( 0% )
|
|
Total payments billed:
| 25 | | |
Description
Pay off ALL credit cards NOW
Purpose of loan:
This loan will be used to? payoff the small amount remaining on my 1st prosper loan.? The remaining I will use to?
pay off my high interest credit cards.? This will allow me to concentrate on my business and make double
payments to get out of debt.? Our business is up 28% this year and we becoming very efficient and the best at our business.
My financial situation:
I am a good candidate for this loan because? during the last two
years I have reduced my debt from $41,000 to less than $15,000.? My
current debt has high interest and would like to get rid of it.
Monthly net income: $ 4800.00
Monthly expenses: $2600.
??Housing: $ 575
??Insurance: $35
??Car expenses: $400
??Utilities: $235
??Phone, cable, internet: $150
??Food, entertainment: $ 200
??Clothing, household expenses $220?
??Credit cards and other loans: $ 700
??Other expenses: $225
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
472216
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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:
| 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:
| 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:
| Aug-1999 |
Debt/Income ratio:
| Not calculated |
|
Credit score:
| 700-719 (Jul-2010) |
Inquiries last 6m:
| 0 | Employment status: | Not employed |
|
Now delinquent:
| 0 |
Current / open credit lines:
| 4
/
4 | Length of status: | 1y 7m |
|
Amount delinquent:
| $0 |
Total credit lines:
| 19 | Stated income: | Not employed |
|
Public records last 12m / 10y:
| 0/ 1 |
Revolving credit balance:
| $4,503 | |
|
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 90% | | |
| | |
Homeownership:
| Yes | | |
|
Screen name:
| first-class-exchange9 |
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 credit cards
Purpose of loan:
This loan will be used to?
My financial situation:
I am a good candidate for this loan because?
Monthly net income: $
Monthly expenses: $
??Housing: $
??Insurance: $
??Car expenses: $
??Utilities: $
??Phone, cable, internet: $
??Food, entertainment: $
??Clothing, household expenses $
??Credit cards and other loans: $
??Other expenses: $
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
472220
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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:
| 17.00% |
Starting borrower rate/APR:
| 18.00% / 21.35% |
Starting monthly payment:
| $271.14 |
| |
|
Auction yield range:
| 16.89% - 17.00% |
Estimated loss impact:
| 24.94% | | |
|
Lender servicing fee:
| 1.00% |
Estimated return:
| -7.94% | | |
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):
| 2 |
First credit line:
| Jul-1976 |
Debt/Income ratio:
| 49% |
|
Credit score:
| 660-679 (Aug-2010) |
Inquiries last 6m:
| 2 | Employment status: | Other |
|
Now delinquent:
| 0 |
Current / open credit lines:
| 11
/
9 | Length of status: | 0y 4m |
|
Amount delinquent:
| $0 |
Total credit lines:
| 45 | Stated income: | $25,000-$49,999 |
|
Public records last 12m / 10y:
| 0/ 1 |
Revolving credit balance:
| $10,352 | |
|
Delinquencies in last 7y:
| 2 |
Bankcard utilization:
| 90% | | |
| | |
Homeownership:
| Yes | | |
|
Screen name:
| jfn239 |
Borrower's state:
| Texas |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
| Loan history | Payment history | Credit score history |
|
Active / total loans:
| 0 / 1 |
On-time:
| 24 ( 100% )
| 660-679 (Latest)
|
|
Principal borrowed:
| $6,500.00 | < 31 days late:
| 0
( 0% )
| 640-659
(Dec-2009)
620-639
(Sep-2008)
640-659
(Aug-2008)
640-659
(Oct-2007)
|
|
Principal balance:
| $0.00 |
31+ days late:
| 0
( 0% )
|
|
Total payments billed:
| 24 | | |
Description
Consolidating Credit Card Debt
Purpose of loan:
This loan will be used to consolidate credit card debt
My financial situation:
I am a good candidate for this loan because I have had a Prosper loan in the past and paid on time and paid off in 2 years rather than three
Monthly net income: $
3200
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
472228
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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:
| 16.89% |
Starting borrower rate/APR:
| 17.89% / 21.24% |
Starting monthly payment:
| $108.29 |
| |
|
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):
| 3 |
First credit line:
| Feb-1991 |
Debt/Income ratio:
| 28% |
|
Credit score:
| 680-699 (Aug-2010) |
Inquiries last 6m:
| 0 | Employment status: | Employed |
|
Now delinquent:
| 4 |
Current / open credit lines:
| 10
/
10 | Length of status: | 2y 6m |
|
Amount delinquent:
| $2,958 |
Total credit lines:
| 33 |
Occupation: | Professional |
|
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $11,910 | Stated income: | $25,000-$49,999 |
|
Delinquencies in last 7y:
| 2 |
Bankcard utilization:
| 61% | | |
| | |
Homeownership:
| Yes | | |
|
Screen name:
| market-sensai |
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
Build doorway on primary residence
Purpose of loan:
This loan will be used to?
Build a separate doorway in my primary tri-plex residence
My financial situation:
I am a good candidate for this loan because?
I am financially stable and pay bills on time. Although money is tight (i.e. reason for loan), the doorway will allow new tenancy bringing in an additional $925.00 mo. POSITIVE cash flow. At one time I did have a 730 credit score and perfect credit. But with the recession, tenants moved out and/or paid rent late, wife became ill (but all well now) consumed our savings.? I do have friends that can loan me the money, but I don?t mix friendship with business.? If someone could help, it would really be appreciated. Thanks!???
Monthly net income: $ 2650.00
Monthly expenses: $???
Housing: $ 550??
Insurance: $ impounded with home loans??
Car expenses: $ 350??
Utilities: $ 0 (paid by tenants)??
Phone, cable, internet: $ 150??
Food, entertainment: $ 0-50??
Clothing, household expenses $ 0-50??
Credit cards and other loans: $ 350??
Other expenses: $200
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
472230
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
|
Amount:
| $4,000.00 |
Prosper Rating:
| B |
Auction Duration:
| 7 days
|
|
Term:
| 36 months |
Estimated loss:
| 6.0% | | |
| | | |
|
|
Starting lender yield:
| 14.15% |
Starting borrower rate/APR:
| 15.15% / 17.32% |
Starting monthly payment:
| $138.96 |
| |
|
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:
| Nov-1992 |
Debt/Income ratio:
| 10% |
|
Credit score:
| 720-739 (Aug-2010) |
Inquiries last 6m:
| 1 | Employment status: | Employed |
|
Now delinquent:
| 0 |
Current / open credit lines:
| 5
/
5 | Length of status: | 7y 1m |
|
Amount delinquent:
| $0 |
Total credit lines:
| 20 |
Occupation: | Civil Service |
|
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $2,371 | Stated income: | $100,000+ |
|
Delinquencies in last 7y:
| 4 |
Bankcard utilization:
| 53% | | |
| | |
Homeownership:
| Yes | | |
|
Screen name:
| hopeful-bill |
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
Interactive clothing line
Purpose of loan:
This loan will be used to put the finishing touches on a t-shirt clothing company that is already underway.? We already have manufacturing, graphics, web design, PR and other areas?in motion.? The clothing line?is unique in that each year there is a central theme.? Our firt year we are using Greek mythology.? In each monthly design?there?are?hidden clues in it that people must solve and then?use the answer to get into our web site.??The web site is a social network site where?wearers/players can interact with each other; as well as, see videos of bands, comediens,?create their own avatar, play games created just for the site and many other options.? There will also be advertisers on the site to generate additional revenue.? There are many facets to this company.??I was originally looking for an?investor(s) with a high yield return.? I can provide a full business plan with projections if you would like.? I can be reached on aol at phiercx
My financial situation:
I am a good candidate for this loan because I have a steady job which I have been at for several years.? I am a hard worker who always takes overtime to make sure that my bills are paid and that I maintain a good credit sore.
Monthly net income: $ 6500 +
Monthly expenses: $
??Housing: $ 2,000
??Insurance: $ 0.00 - provided by state
??Car expenses: $ 430
??Utilities: $ 100
??Phone, cable, internet: $ 150
??Food, entertainment: $ 800
??Clothing, household expenses $100
??Credit cards and other loans: $ 500
??Other expenses: $ 0
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
472232
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
|
Amount:
| $6,000.00 |
Prosper Rating:
| E |
Auction Duration:
| 7 days
|
|
Term:
| 36 months |
Estimated loss:
| 14.2% | | |
| | | |
|
|
Starting lender yield:
| 33.35% |
Starting borrower rate/APR:
| 34.35% / 38.06% |
Starting monthly payment:
| $269.21 |
| |
|
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-1999 |
Debt/Income ratio:
| 26% |
|
Credit score:
| 660-679 (Aug-2010) |
Inquiries last 6m:
| 4 | Employment status: | Employed |
|
Now delinquent:
| 0 |
Current / open credit lines:
| 9
/
8 | Length of status: | 2y 7m |
|
Amount delinquent:
| $0 |
Total credit lines:
| 15 |
Occupation: | Other |
|
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $5,096 | Stated income: | $25,000-$49,999 |
|
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 63% | | |
| | |
Homeownership:
| No | | |
|
Screen name:
| dinero-gadget |
Borrower's state:
| NewJersey |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Description
Paying off my credit cards
Purpose of loan:
This loan will be used to?
Paying off my credit cards
My financial situation:
I am a good candidate for this loan because? I have a stable job..worked in Newark airport for 5 yrs with 3 different companies.
Monthly net income: $
0 leave with parents
Monthly expenses: $
??Housing: $
0
??Insurance: $
170
??Car expenses: $
400
??Utilities: $
0
??Phone, cable, internet: $
130
??Food, entertainment: $
100
??Clothing, household expenses $
0
??Credit cards and other loans: $
200
??Other expenses: $
0
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
472234
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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:
| 20.00% |
Starting borrower rate/APR:
| 22.00% / 25.43% |
Starting monthly payment:
| $190.95 |
| |
|
Auction yield range:
| 16.89% - 20.00% |
Estimated loss impact:
| 37.73% | | |
|
Lender servicing fee:
| 1.00% |
Estimated return:
| -17.73% | | |
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
|
Prosper score (1-10):
| 1 |
First credit line:
| Oct-1985 |
Debt/Income ratio:
| 22% |
|
Credit score:
| 680-699 (Aug-2010) |
Inquiries last 6m:
| 16 | Employment status: | Employed |
|
Now delinquent:
| 1 |
Current / open credit lines:
| 22
/
18 | Length of status: | 5y 3m |
|
Amount delinquent:
| $338 |
Total credit lines:
| 34 |
Occupation: | Other |
|
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $305 | Stated income: | $25,000-$49,999 |
|
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 7% | | |
| | |
Homeownership:
| No | | |
|
Screen name:
| mat101155 |
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:
| 24 ( 100% )
| 680-699 (Latest)
|
|
Principal borrowed:
| $6,000.00 | < 31 days late:
| 0
( 0% )
| 720-739
(Jan-2010)
760-779
(Nov-2009)
740-759
(Sep-2009)
740-759
(Aug-2008)
|
|
Principal balance:
| $0.00 |
31+ days late:
| 0
( 0% )
|
|
Total payments billed:
| 24 | | |
Description
Need a used car
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
472248
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
|
Amount:
| $3,500.00 |
Prosper Rating:
| HR |
Auction Duration:
| 7 days
|
|
Term:
| 36 months |
Estimated loss:
| 18.3% | | |
| | | |
|
|
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:
| 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):
| 6 |
First credit line:
| Sep-1996 |
Debt/Income ratio:
| 37% |
|
Credit score:
| 620-639 (Aug-2010) |
Inquiries last 6m:
| 0 | Employment status: | Other |
|
Now delinquent:
| 0 |
Current / open credit lines:
| 14
/
11 | Length of status: | 1y 4m |
|
Amount delinquent:
| $0 |
Total credit lines:
| 21 |
Occupation: | Other |
|
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $27,010 | Stated income: | $25,000-$49,999 |
|
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 78% | | |
| | |
Homeownership:
| No | | |
|
Screen name:
| jadesw |
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:
| 24 ( 100% )
| 620-639 (Latest)
|
|
Principal borrowed:
| $3,000.00 | < 31 days late:
| 0
( 0% )
| 640-659
(Aug-2008)
|
|
Principal balance:
| $1,131.34 |
31+ days late:
| 0
( 0% )
|
|
Total payments billed:
| 24 | | |
Description
Paying off credits cards & moving
Purpose of loan:
This loan will be used to?pay off some of my credit cards and bring my score back up.? It is only momentary as I have just been promoted to a higher paying?position?that will start in?Janaury 2011.? ?
My financial situation:
I am a good candidate for this loan because I am a resonspible person who always pays the minimum of balances on time, even in hard times.? Unfortunately, this year I had to make a change and end an unhealthly relationship of seven years.? That cost me a lot of unexepected money with the move and?single rent and bills.? I put myself into my work this past year, and that is why I am being promoted with my job in January.? I am praying to recieve this loan?to help pay off a good portion of the unexepected credit card expenses at this time.? I pride myself on staying on top of things, and this year (along with this economy) has been a true trial for me.?
Monthly net income: $ 2500-$3000
Monthly expenses: $
??Housing: $ 950
??Insurance: $ 105
??Car expenses: $100
??Utilities: $?150
??Phone, cable, internet: $?150
??Food, entertainment: $ 200
??Clothing, household expenses $
??Credit cards and other loans: $ 900
??Other expenses: $
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
472260
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
|
Amount:
| $10,000.00 |
Prosper Rating:
| A |
Auction Duration:
| 7 days
|
|
Term:
| 36 months |
Estimated loss:
| 3.5% | | |
| | | |
|
|
Starting lender yield:
| 10.15% |
Starting borrower rate/APR:
| 11.15% / 13.27% |
Starting monthly payment:
| $328.10 |
| |
|
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:
| Dec-1999 |
Debt/Income ratio:
| 9% |
|
Credit score:
| 740-759 (Aug-2010) |
Inquiries last 6m:
| 0 | Employment status: | Employed |
|
Now delinquent:
| 0 |
Current / open credit lines:
| 5
/
4 | Length of status: | 3y 10m |
|
Amount delinquent:
| $0 |
Total credit lines:
| 15 |
Occupation: | Construction |
|
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $21,333 | Stated income: | $75,000-$99,999 |
|
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 65% | | |
| | |
Homeownership:
| Yes | | |
|
Screen name:
| five-star-leverage9 |
Borrower's state:
| Alabama |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Description
Paying off credit cards
Purpose of loan:
Pay off credit cards
My financial situation:
I have no car payments, student loan payments, or other debt other than a mortgage. My credit rating is excellent and my job and salary are both secure.
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
472262
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
|
Amount:
| $1,800.00 |
Prosper Rating:
| HR |
Auction Duration:
| 7 days
|
|
Term:
| 36 months |
Estimated loss:
| 36.6% | | |
| | | |
|
|
Starting lender yield:
| 34.00% |
Starting borrower rate/APR:
| 35.00% / 38.72% |
Starting monthly payment:
| $81.42 |
| |
|
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:
| 44% |
|
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??
I have been through times before and I have aiways paid back ?any funds I borrowed My 1st mortage will be paid off next jne and my?car will be paid off in Nov. ?
Monthly net income: $
2200 retirement? 1600 +- from part time?work
Monthly expenses: $
??Housing: $ 1000
??Insurance: $200
??Car expenses: $ 350
??Utilities: $ 250
??Phone, cable, 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
472266
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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):
| 4 |
First credit line:
| Feb-1988 |
Debt/Income ratio:
| 46% |
|
Credit score:
| 700-719 (Aug-2010) |
Inquiries last 6m:
| 1 | Employment status: | Employed |
|
Now delinquent:
| 0 |
Current / open credit lines:
| 7
/
5 | Length of status: | 4y 0m |
|
Amount delinquent:
| $0 |
Total credit lines:
| 14 |
Occupation: | Accountant/CPA |
|
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $12,829 | Stated income: | $25,000-$49,999 |
|
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 93% | | |
| | |
Homeownership:
| Yes | | |
|
Screen name:
| louisianalady |
Borrower's state:
| Louisiana |
Borrower's group:
| FUTURE FINANCIAL FREEDOM 1 |
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
| Loan history | Payment history | Credit score history |
|
Active / total loans:
| 0 / 1 |
On-time:
| 35 ( 100% )
| 700-719 (Latest)
|
|
Principal borrowed:
| $9,500.00 | < 31 days late:
| 0
( 0% )
| 700-719
(Jul-2009)
740-759
(Feb-2007)
|
|
Principal balance:
| $0.03 |
31+ days late:
| 0
( 0% )
|
|
Total payments billed:
| 35 | | |
Description
Replace Personal Funds for Business
Purpose of loan:
This loan will be used to replace personal savings used to make purchases for my business.
My financial situation:
I am a good candidate for this loan because I have reduced the amount of credit cards I have used in the past and have successfully borrowed and paid off a loan with Prosper in the past. My spouse's income pays all of our household expenses.?
Monthly net income: $ 2500.00
Monthly expenses: $
??Housing: $
??Insurance: $
??Car expenses: $
??Utilities: $ 75.00
??Phone, cable, internet: $ 700.00
??Food, entertainment: $
??Clothing, household expenses $
??Credit cards and other loans: $ 400.00
??Other expenses: $ 150.00
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
472268
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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:
| 36.6% | | |
| | | |
|
|
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:
| 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:
| Dec-1997 |
Debt/Income ratio:
| 28% |
|
Credit score:
| 640-659 (Jul-2010) |
Inquiries last 6m:
| 2 | Employment status: | Employed |
|
Now delinquent:
| 2 |
Current / open credit lines:
| 6
/
6 | Length of status: | 5y 3m |
|
Amount delinquent:
| $5,524 |
Total credit lines:
| 24 |
Occupation: | Clerical |
|
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $248 | Stated income: | $25,000-$49,999 |
|
Delinquencies in last 7y:
| 4 |
Bankcard utilization:
| 82% | | |
| | |
Homeownership:
| Yes | | |
|
Screen name:
| Basca |
Borrower's state:
| Idaho |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
| Loan history | Payment history | Credit score history |
|
Active / total loans:
| 1 / 1 |
On-time:
| 28 ( 100% )
| 640-659 (Latest)
|
|
Principal borrowed:
| $4,000.00 | < 31 days late:
| 0
( 0% )
| 620-639
(Jun-2010)
700-719
(May-2010)
680-699
(Mar-2010)
640-659
(Feb-2010)
|
|
Principal balance:
| $1,099.72 |
31+ days late:
| 0
( 0% )
|
|
Total payments billed:
| 28 | | |
Description
Relist for 2nd loan/home repair
Purpose of loan:
This loan will be used to?
Re-list for Second loan request. We need some
home improvement. Kitchen dishwasher was leaking and ruined the underlayment,
so we need that replaced, downstairs bathroom leaking around seal, needs to be
dried out and stripped and new flooring. Some painting and minor repairs also
needed. I would like to get it prepared for selling.
My
financial situation:
I
am a good candidate for this loan because??
I have always? paid my immediate obligations and I am current on
my present Prosper loan? and
have had no late payments and have never missed one.Thanks for
your consideration. The delinquencies have been resolved but still
appear on your site. The 4 delinquencies in the past 4 years were for? medical co-payments of $50.00 and have been paid.
The present amount being paid out to credit cards should take care of the amount due on this payment.
Monthly net income: $
3892
Monthly expenses: $
3675
??Housing: $
1700
??Insurance: $
150
??Car expenses: $
50
??Utilities: $
300
??Phone, cable, internet: $
25
??Food, entertainment: $
300
??Clothing, household expenses $
0
??Credit cards and other loans: $
1150
??Other expenses: $
0
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
472270
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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:
| 30.00% |
Starting borrower rate/APR:
| 31.00% / 34.63% |
Starting monthly payment:
| $322.51 |
| |
|
Auction yield range:
| 10.89% - 30.00% |
Estimated loss impact:
| 11.56% | | |
|
Lender servicing fee:
| 1.00% |
Estimated return:
| 18.44% | | |
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
|
Prosper score (1-10):
| 7 |
First credit line:
| Sep-1997 |
Debt/Income ratio:
| 11% |
|
Credit score:
| 640-659 (Aug-2010) |
Inquiries last 6m:
| 3 | Employment status: | Employed |
|
Now delinquent:
| 0 |
Current / open credit lines:
| 6
/
5 | Length of status: | 17y 0m |
|
Amount delinquent:
| $0 |
Total credit lines:
| 16 |
Occupation: | Investor |
|
Public records last 12m / 10y:
| 0/ 1 |
Revolving credit balance:
| $2,053 | Stated income: | $75,000-$99,999 |
|
Delinquencies in last 7y:
| 11 |
Bankcard utilization:
| 88% | | |
| | |
Homeownership:
| No | | |
|
Screen name:
| refined-order8 |
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
GROWING BUSINESS | CAPITAL NEEDED
Purpose of loan:
This loan will be used for Working Capital.
My financial situation:
I am a good candidate for this loan because my Experian Credit score was 682 before I had a Car wreck a few months ago. After negotiating with many different Car Dealerships, and having my old Car loan, which was paid in full by the insurance, still listed on my credit report, along with my new car loan, my credit score was reduced. And finally and most importantly, I will easily be able to pay off this loan from my current income. I am not going to jeopardize my success by making any late payments. This fully funded loan is greatly appreciated as I will earn a much much higher rate of return on my Working Capital from this Loan than any of the monthly interest payments each month. Thank you all in advance. I greatly appreciate all of your bids ;o)
Monthly net income: $ 6500
Monthly expenses: $
3200
??Housing: $
900
??Insurance: $
100
??Car expenses: $
300
??Utilities: $
200
??Phone, cable, internet: $150
??Food, entertainment: $
350
??Clothing, household expenses $
300
??Credit cards and other loans: $
200
??Other expenses: $
700
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
472272
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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:
| Jan-1997 |
Debt/Income ratio:
| 20% |
|
Credit score:
| 740-759 (Aug-2010) |
Inquiries last 6m:
| 0 | Employment status: | Employed |
|
Now delinquent:
| 0 |
Current / open credit lines:
| 1
/
1 | Length of status: | 13y 3m |
|
Amount delinquent:
| $0 |
Total credit lines:
| 10 |
Occupation: | Nurse's Aide |
|
Public records last 12m / 10y:
| 0/ 1 |
Revolving credit balance:
| $27 | Stated income: | $25,000-$49,999 |
|
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 0% | | |
| | |
Homeownership:
| No | | |
|
Screen name:
| exchange-liberator |
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
Help me help the fam
Purpose of loan:
This loan will be used to Help the family. My daughter had to put up everything she owned to put her daughter into rehab. My other granddaughter got scammed and is need of financial help. I want to help them out because they take care of me and I know they would do the same for me.
My financial situation:
I am a good candidate for this loan because I have been at the same job for 10 years. I pay back the money I owe on time.
Monthly net income: $ 2100.00
Monthly expenses: $
??Housing: $ 700
??Insurance: $ 50
??Car expenses: $ 340
??Utilities: $ 70
??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
472276
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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:
| 16.89% |
Starting borrower rate/APR:
| 17.89% / 21.24% |
Starting monthly payment:
| $270.73 |
| |
|
Auction yield range:
| 16.89% - 16.89% |
Estimated loss impact:
| 19.23% | | |
|
Lender servicing fee:
| 1.00% |
Estimated return:
| -2.34% | | |
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):
| 4 |
First credit line:
| Sep-1999 |
Debt/Income ratio:
| 22% |
|
Credit score:
| 680-699 (Aug-2010) |
Inquiries last 6m:
| 2 | Employment status: | Employed |
|
Now delinquent:
| 0 |
Current / open credit lines:
| 11
/
10 | Length of status: | 0y 8m |
|
Amount delinquent:
| $0 |
Total credit lines:
| 22 |
Occupation: | Other |
|
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $54,780 | Stated income: | $100,000+ |
|
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 88% | | |
| | |
Homeownership:
| Yes | | |
|
Screen name:
| kalchak |
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:
| 15 ( 100% )
| 680-699 (Latest)
|
|
Principal borrowed:
| $7,000.00 | < 31 days late:
| 0
( 0% )
| 600-619
(Oct-2006)
|
|
Principal balance:
| $0.00 |
31+ days late:
| 0
( 0% )
|
|
Total payments billed:
| 15 | | |
Description
Paying off my credit cards
Purpose of loan:
This loan will be used to pay off my high interest credit cards
My financial situation:
I am a good candidate for this loan because I am good with making payments ontime
Monthly net income: $ 3500
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
472280
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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:
| 33.35% |
Starting borrower rate/APR:
| 34.35% / 38.06% |
Starting monthly payment:
| $224.34 |
| |
|
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-2000 |
Debt/Income ratio:
| 31% |
|
Credit score:
| 680-699 (Aug-2010) |
Inquiries last 6m:
| 0 | Employment status: | Employed |
|
Now delinquent:
| 0 |
Current / open credit lines:
| 9
/
8 | Length of status: | 1y 0m |
|
Amount delinquent:
| $0 |
Total credit lines:
| 14 |
Occupation: | Teacher |
|
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $12,014 | Stated income: | $1-$24,999 |
|
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 85% | | |
| | |
Homeownership:
| No | | |
|
Screen name:
| generosity-blackberry |
Borrower's state:
| SouthCarolina |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Description
Paying off Debt
Purpose of loan:
This loan will be used to pay of debt and for personal use.
My financial situation:
I am a good candidate for this loan because, I have always paid my obligations on time and as promised.
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
472284
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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:
| A |
Auction Duration:
| 7 days
|
|
Term:
| 36 months |
Estimated loss:
| 3.5% | | |
| | | |
|
|
Starting lender yield:
| 8.75% |
Starting borrower rate/APR:
| 9.75% / 11.85% |
Starting monthly payment:
| $241.12 |
| |
|
Auction yield range:
| 3.89% - 8.75% |
Estimated loss impact:
| 3.52% | | |
|
Lender servicing fee:
| 1.00% |
Estimated return:
| 5.23% | | |
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should 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:
| Mar-2000 |
Debt/Income ratio:
| Not calculated |
|
Credit score:
| 780-799 (Aug-2010) |
Inquiries last 6m:
| 0 | Employment status: | Employed |
|
Now delinquent:
| 0 |
Current / open credit lines:
| 6
/
6 | Length of status: | 3y 10m |
|
Amount delinquent:
| $0 |
Total credit lines:
| 10 |
Occupation: | Engineer - Electric... |
|
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $1,791 | Stated income: | $50,000-$74,999 |
|
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 6% | | |
| | |
Homeownership:
| No | | |
|
Screen name:
| greenback-gourd |
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
Cosolidating Loans at a Lower Rate
Purpose of loan:
Consolidate two lines of credit into one for easier payment and lower interest rate.
My financial situation:
My job is in the avionics industry and we are currently hiring and increasing production.? I have never been late on any payments.? I would like to lower my interest rate so that I can get more money into my emergency savings.
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
472292
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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:
| 16.89% |
Starting borrower rate/APR:
| 17.89% / 21.24% |
Starting monthly payment:
| $108.29 |
| |
|
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-1998 |
Debt/Income ratio:
| 20% |
|
Credit score:
| 640-659 (Aug-2010) |
Inquiries last 6m:
| 6 | Employment status: | Employed |
|
Now delinquent:
| 2 |
Current / open credit lines:
| 8
/
7 | Length of status: | 3y 10m |
|
Amount delinquent:
| $145 |
Total credit lines:
| 26 |
Occupation: | Other |
|
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $1,082 | Stated income: | $50,000-$74,999 |
|
Delinquencies in last 7y:
| 2 |
Bankcard utilization:
| 30% | | |
| | |
Homeownership:
| No | | |
|
Screen name:
| credit-freshmaker0 |
Borrower's state:
| California |
Borrower's group:
| Road To Better Credit |
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Description
On the road to recovery!
Purpose of loan:
This loan will be used to pay off thefurther high interest loans I have. I have worked really hard to correct my credit history. I really did mess up when I was in college, very immature, spent money that was not mine (credit cards) but now?I keep everything in line. I have one delinquency that shows on my report that is actually from a UCLA medical bill, that has been paid. (that is the $145.00 you see) I dredn't even know it was in collections.?They are currently removing that listing from my credit report as we speak.
My financial situation:
Despite what my credit report states, I am not delinquent on any open credit line. I work for civil government and am in a very stable position. My financial sitiuation is great. I just need to lower my interest rates for whatever is left that I?have to pay off. Any interest rate will be better than the one I am paying. You have no idea.
Monthly net income: $ 3500.00
Monthly expenses: $ 2265.00
??Housing: $ 900.00
??Insurance: $?125.00
??Car expenses: $ 500.00
??Utilities: $ 50.00
??Phone, cable, internet: $ 120.00
??Food, entertainment: $ 120.00
??Clothing, household expenses $ 200.00
??Credit cards and other loans: $ 250.00
??Other expenses: $
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
472298
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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:
| 18.00% |
Starting borrower rate/APR:
| 19.00% / 22.37% |
Starting monthly payment:
| $183.28 |
| |
|
Auction yield range:
| 10.89% - 18.00% |
Estimated loss impact:
| 11.22% | | |
|
Lender servicing fee:
| 1.00% |
Estimated return:
| 6.78% | | |
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should 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:
| Sep-2004 |
Debt/Income ratio:
| Self-employed (DTI Not Calculated) |
|
Credit score:
| 740-759 (Aug-2010) |
Inquiries last 6m:
| 0 | Employment status: | Self-employed |
|
Now delinquent:
| 0 |
Current / open credit lines:
| 7
/
2 | Length of status: | 3y 7m |
|
Amount delinquent:
| $0 |
Total credit lines:
| 8 |
Occupation: | Teacher |
|
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $7,340 | Stated income: | $1-$24,999 |
|
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 32% | | |
| | |
Homeownership:
| No | | |
|
Screen name:
| peace-poem |
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
Pilates Instructor branching out
Purpose of loan:
This loan will be used to?
I am?a licensed Pilates Instructor.? I am currently working as an instructor at a successful Pilates studio in San Mateo.? I am planning on opening my own studio in the San Francisco bay area.? I will be using the loan to help fix up the studio and purchase equipment.
My financial situation:
I am a good candidate for this loan because?
I have an excellent credit score.? I do have a revolving credit balance but I am able to and have been making my payments without any difficulty, as reflected in my credit score.? I do not own a home but because I am living with family members I do not have pay monthly rent.
Monthly net income: $ 2000
Monthly expenses: $
??Housing: $ 0
??Insurance: $ 350
??Car expenses: $ 150
??Utilities: $ 0
??Phone, cable, internet: $ 0
??Food, entertainment: $ 50
??Clothing, household expenses $ 50
??Credit cards and other loans: $ 300
??Other expenses: $ 50
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
472300
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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:
| 24.75% |
Starting borrower rate/APR:
| 25.75% / 29.26% |
Starting monthly payment:
| $602.36 |
| |
|
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):
| 6 |
First credit line:
| Jan-1982 |
Debt/Income ratio:
| 13% |
|
Credit score:
| 700-719 (Jul-2010) |
Inquiries last 6m:
| 4 | Employment status: | Employed |
|
Now delinquent:
| 0 |
Current / open credit lines:
| 12
/
11 | Length of status: | 10y 3m |
|
Amount delinquent:
| $0 |
Total credit lines:
| 68 |
Occupation: | Doctor |
|
Public records last 12m / 10y:
| 0/ 1 |
Revolving credit balance:
| $35,875 | Stated income: | $100,000+ |
|
Delinquencies in last 7y:
| 4 |
Bankcard utilization:
| 93% | | |
| | |
Homeownership:
| Yes | | |
|
Screen name:
| morgabe |
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:
| 15 ( 56% )
| 700-719 (Latest)
|
|
Principal borrowed:
| $15,000.00 | < 31 days late:
| 12
( 44% )
| 700-719
(Jun-2010)
700-719
(Mar-2010)
700-719
(Feb-2010)
700-719
(Jan-2010)
|
|
Principal balance:
| $4,402.59 |
31+ days late:
| 0
( 0% )
|
|
Total payments billed:
| 27 | | |
Description
Serious about this listing!
This loan will be used mainly for home improvements and to pay off bills, including Prosper.I would rather use Prosper for my needs because I believe in this model.
I am a good candidate for this loan because I am in a secure job as a physician
for over 20 years and I am with the Army Reserves. I make enough money to pay
this 2nd Prosper loan without difficulty.We got lots of bids the last two days, so we hope we fund this time around! Thank you for your
consideration.Monthly net income: $20,000
Monthly expenses:
??Housing: 3300
??Insurance: 1150
??Car expenses: 1500
??Utilities:?400?
??Phone, cable, internet: 450
??Food, entertainment: 1000
??Clothing, household expenses?750?
??Credit cards and other loans: 3200
??Medical Dues: 125Taxes: 542
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
472304
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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:
| B |
Auction Duration:
| 7 days
|
|
Term:
| 36 months |
Estimated loss:
| 6.0% | | |
| | | |
|
|
Starting lender yield:
| 8.00% |
Starting borrower rate/APR:
| 9.00% / 11.09% |
Starting monthly payment:
| $477.00 |
| |
|
Auction yield range:
| 5.89% - 8.00% |
Estimated loss impact:
| 6.07% | | |
|
Lender servicing fee:
| 1.00% |
Estimated return:
| 1.93% | | |
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
|
Prosper score (1-10):
| 8 |
First credit line:
| Jan-2002 |
Debt/Income ratio:
| 17% |
|
Credit score:
| 720-739 (Aug-2010) |
Inquiries last 6m:
| 1 | Employment status: | Employed |
|
Now delinquent:
| 0 |
Current / open credit lines:
| 3
/
2 | Length of status: | 2y 3m |
|
Amount delinquent:
| $0 |
Total credit lines:
| 9 |
Occupation: | Other |
|
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $23,012 | Stated income: | $25,000-$49,999 |
|
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 54% | | |
| | |
Homeownership:
| No | | |
|
Screen name:
| bill-cologne0 |
Borrower's state:
| Washington |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Description
Consolidate Credit Cards.
Purpose of loan:
This loan will be used to?
My financial situation:
I am a good candidate for this loan because I pay all of my bills on time and have done so since I first started working with a few very rare exceptions. I'm looking for a loan so I can pay off a credit card and use the savings to get out of debt faster than I would by just paying off a credit card with a high rate. I currently have two credit cards and this loan would totally pay off one.
Monthly net income: $3600
??Insurance: company paid
??Car expenses: 200
??Phone, cable, internet: 200
??Food, entertainment: 400
??Credit cards and other loans: 700
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
472322
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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:
| 16.89% |
Starting borrower rate/APR:
| 17.89% / 21.24% |
Starting monthly payment:
| $72.19 |
| |
|
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):
| 3 |
First credit line:
| Feb-2004 |
Debt/Income ratio:
| Not calculated |
|
Credit score:
| 640-659 (Aug-2010) |
Inquiries last 6m:
| 0 | Employment status: | Employed |
|
Now delinquent:
| 1 |
Current / open credit lines:
| 6
/
5 | Length of status: | 3y 7m |
|
Amount delinquent:
| $27 |
Total credit lines:
| 9 |
Occupation: | Military Enlisted |
|
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $1,027 | Stated income: | $25,000-$49,999 |
|
Delinquencies in last 7y:
| 2 |
Bankcard utilization:
| 0% | | |
| | |
Homeownership:
| No | | |
|
Screen name:
| unconquerable-greenback7 |
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
debt consolidation
Purpose of loan:
This loan will be used to?
consolidate debt
My financial situation:
I am a good candidate for this loan because?
i am a responsible individual trying to reestablish a great credit history
Monthly net income: $ 2600
Monthly expenses: $
??Housing: $ 0
??Insurance: $ 183
??Car expenses: $?200
??Utilities: $ 0
??Phone, cable, internet: $ 80
??Food, entertainment: $ 100
??Clothing, household expenses $ 0
??Credit cards and other loans: $?28
??Other expenses: $ 0
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
472324
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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:
| 17.00% |
Starting borrower rate/APR:
| 19.00% / 22.37% |
Starting monthly payment:
| $274.92 |
| |
|
Auction yield range:
| 16.89% - 17.00% |
Estimated loss impact:
| 37.54% | | |
|
Lender servicing fee:
| 1.00% |
Estimated return:
| -20.54% | | |
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
|
Prosper score (1-10):
| 1 |
First credit line:
| Feb-1994 |
Debt/Income ratio:
| Self-employed (DTI Not Calculated) |
|
Credit score:
| 820-839 (Aug-2010) |
Inquiries last 6m:
| 4 | Employment status: | Self-employed |
|
Now delinquent:
| 0 |
Current / open credit lines:
| 15
/
13 | Length of status: | 9y 7m |
|
Amount delinquent:
| $0 |
Total credit lines:
| 62 |
Occupation: | Realtor |
|
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $901 | Stated income: | $100,000+ |
|
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 2% | | |
| | |
Homeownership:
| Yes | | |
|
Screen name:
| brockharris |
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
Buying another rental property...
Purpose of loan:
Purchase a triplex. I already own 11 properties and have worked as a landlord since 2001. Because of the number of loans I have, I am unable to purchase a property without getting "hard money." I then rehab, and refi. Hard money is very expensive and I'd like to use it as little as possible. I thought Prosper would be a good source.
My financial situation:
I have lifetime perfect credit and $150,000 in the bank. As money becomes harder to borrow, I'd like to establish a credit history on Prosper so that I'm able to access money.
Monthly net income: $400,000
Monthly expenses: $
??Housing: $
1000 (we have a back tenant and a 30yr fixed at 4.7%)
??Insurance: $
1000 (no kids)
??Car expenses: $
0 (both cars paid off)
??Utilities: $
200 (have solar at office)
??Phone, cable, internet: $ 600
??Food, entertainment: $ 200
??Clothing, household expenses $
500
??Credit cards and other loans: $
0 (no credit card debt)
??Other expenses: $
500
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
472328
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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:
| C |
Auction Duration:
| 7 days
|
|
Term:
| 36 months |
Estimated loss:
| 8.7% | | |
| | | |
|
|
Starting lender yield:
| 7.89% |
Starting borrower rate/APR:
| 8.89% / 12.06% |
Starting monthly payment:
| $476.23 |
| |
|
Auction yield range:
| 7.89% - 7.89% |
Estimated loss impact:
| 8.85% | | |
|
Lender servicing fee:
| 1.00% |
Estimated return:
| -0.96% | | |
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):
| 6 |
First credit line:
| May-1996 |
Debt/Income ratio:
| Not calculated |
|
Credit score:
| 780-799 (Aug-2010) |
Inquiries last 6m:
| 0 | Employment status: | Employed |
|
Now delinquent:
| 0 |
Current / open credit lines:
| 11
/
11 | Length of status: | 0y 6m |
|
Amount delinquent:
| $0 |
Total credit lines:
| 57 |
Occupation: | Other |
|
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $37,470 | Stated income: | $100,000+ |
|
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 45% | | |
| | |
Homeownership:
| Yes | | |
|
Screen name:
| restless-transaction0 |
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 new motorcycle
Purpose of loan:
This loan will be used to?new motorcycle?
My financial situation:
I am a good candidate for this loan because? I have excellent credit
Monthly net income: $10,000.00
Monthly expenses: $
??Housing: $1,060?????
??Insurance: $?60
??Car expenses: $?0
??Utilities: $ 200
??Phone, cable, internet: $ 100
??Food, entertainment: $500
??Clothing, household expenses $200
??Credit cards and other loans: $ 1,000
??Other expenses: $0
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
445215
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
|
Amount:
| $6,000.00 |
Prosper Rating:
| HR |
Auction Duration:
| 7 days
|
|
Term:
| 36 months |
Estimated loss:
| 18.3% | | |
| | | |
|
|
Starting lender yield:
| 24.00% |
Starting borrower rate/APR:
| 25.00% / 28.50% |
Starting monthly payment:
| $238.56 |
| |
|
Auction yield range:
| 16.89% - 24.00% |
Estimated loss impact:
| 19.68% | | |
|
Lender servicing fee:
| 1.00% |
Estimated return:
| 4.32% | | |
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):
| 5 |
First credit line:
| Oct-2007 |
Debt/Income ratio:
| 32% |
|
Credit score:
| 620-639 (Aug-2010) |
Inquiries last 6m:
| 1 | Employment status: | Employed |
|
Now delinquent:
| 0 |
Current / open credit lines:
| 8
/
6 | Length of status: | 3y 2m |
|
Amount delinquent:
| $0 |
Total credit lines:
| 11 |
Occupation: | Tradesman - Mechani... |
|
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $1,763 | Stated income: | $1-$24,999 |
|
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 91% | | |
| | |
Homeownership:
| No | | |
|
Screen name:
| vdub1989 |
Borrower's state:
| Indiana |
Borrower's group:
| Automotive Technicians |
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
| Loan history | Payment history | Credit score history |
|
Active / total loans:
| 1 / 1 |
On-time:
| 25 ( 100% )
| 620-639 (Latest)
|
|
Principal borrowed:
| $4,000.00 | < 31 days late:
| 0
( 0% )
| 620-639
(Jul-2009)
620-639
(Jun-2008)
600-619
(May-2008)
|
|
Principal balance:
| $1,575.97 |
31+ days late:
| 0
( 0% )
|
|
Total payments billed:
| 25 | | |
Description
Pay off original loan and CC debt
Purpose of loan: Hey everyone, this loan is needed to consolidate all the debt I have attained during the last 2 years including my other Prosper loan. Right now I am financially steady and still building up credit while paying all my debts on time. I would like to free up some of my assets by combining all my debt into one payment along with my car payment so that I can save money. I am currently an Automotive Technician at Vorderman Volkswagen in Fort Wayne, IN...have been there for 3 years and 3 months and make a steady income. I am enlisted in the Marine Corp also and need a lower monthly payment on everything so I can save before I leave and while I am gone. If I can get this loan it will direly help me out! You can look at my credit profile and recent loan status and see that I have very well paid all my stuff on time and in full. Thanks!
Monthly net income: $1975
Monthly expenses: $ 878,
??Housing: $ 0 (Living with parents)
??Insurance: $ 105/m
??Car expenses: $230/m
??Utilities: $ 0
??Phone, cable, internet: $ 130 (Phone)
??Food, entertainment: $ 50
??Clothing, household expenses $ when needed
??Credit cards and other loans: $ 200
??Other expenses: $163 (Existing Prosper Loan)
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
455539
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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:
| 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:
| 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):
| 6 |
First credit line:
| May-1999 |
Debt/Income ratio:
| 17% |
|
Credit score:
| 600-619 (Aug-2010) |
Inquiries last 6m:
| 2 | Employment status: | Employed |
|
Now delinquent:
| 1 |
Current / open credit lines:
| 8
/
6 | Length of status: | 18y 0m |
|
Amount delinquent:
| $132 |
Total credit lines:
| 20 |
Occupation: | Administrative Assi... |
|
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $8,433 | Stated income: | $25,000-$49,999 |
|
Delinquencies in last 7y:
| 1 |
Bankcard utilization:
| 94% | | |
| | |
Homeownership:
| No | | |
|
Screen name:
| boating2007 |
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:
| 36 ( 100% )
| 600-619 (Latest)
|
|
Principal borrowed:
| $4,500.00 | < 31 days late:
| 0
( 0% )
| 620-639
(Aug-2007)
|
|
Principal balance:
| $0.00 |
31+ days late:
| 0
( 0% )
|
|
Total payments billed:
| 36 | | |
Description
My loan for home improvement
Purpose of loan:? I need to make this loan in order to get our roof repaired.? The shingles are worn on the back side of the house and when it rains, the ceiling in the rear of the house gets saturated.? Mold is forming on the sheetrock in the ceiling, which will also have to be replaced.? I can come up with some to the money needed, but I just need a little help.
(explain why you are a good candidate for paying back this loan)
Monthly net income: $ 2060
Monthly expenses: $
??Housing: $ 360 (my share)
??Insurance: $ 150
????Utilities: $?200
??Phone, cable, internet: $ 100
??Food, entertainment: $ 200
??Clothing, household expenses $ 50
??Credit cards and other loans: $ 100
??Other expenses: $ 100
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
460497
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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:
| 36.6% | | |
| | | |
|
|
Starting lender yield:
| 16.89% |
Starting borrower rate/APR:
| 17.89% / 21.24% |
Starting monthly payment:
| $126.34 |
| |
|
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:
| Oct-1980 |
Debt/Income ratio:
| Not calculated |
|
Credit score:
| 740-759 (Aug-2010) |
Inquiries last 6m:
| 12 | Employment status: | Other |
|
Now delinquent:
| 0 |
Current / open credit lines:
| 13
/
11 | Length of status: | 2y 0m |
|
Amount delinquent:
| $0 |
Total credit lines:
| 31 | Stated income: | $50,000-$74,999 |
|
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $1,685 | |
|
Delinquencies in last 7y:
| 5 |
Bankcard utilization:
| 27% | | |
| | |
Homeownership:
| Yes | | |
|
Screen name:
| benevolent-revenue8 |
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
Lawn sprinkler system
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
460999
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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:
| Jan-1999 |
Debt/Income ratio:
| 127% |
|
Credit score:
| 740-759 (Aug-2010) |
Inquiries last 6m:
| 0 | Employment status: | Employed |
|
Now delinquent:
| 0 |
Current / open credit lines:
| 17
/
16 | Length of status: | 0y 11m |
|
Amount delinquent:
| $0 |
Total credit lines:
| 44 |
Occupation: | Other |
|
Public records last 12m / 10y:
| 0/ 1 |
Revolving credit balance:
| $16,718 | Stated income: | $25,000-$49,999 |
|
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 46% | | |
| | |
Homeownership:
| Yes | | |
|
Screen name:
| gold-inspector0 |
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
debt consolidation
Purpose of loan:
This loan will be used to?
Pay off and close credit cards
My financial situation:
I am a good candidate for this loan because?
Always pay my bills on time
Monthly net income: $
Monthly expenses: $
??Housing: $?750
??Insurance: $ 100
??Car expenses: $399
??Utilities: $ 50
??Phone, cable, internet: $ 35.00
??Food, entertainment: $
??Clothing, household expenses $
??Credit cards and other loans: $
??Other expenses: $
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
469761
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
|
Amount:
| $2,100.00 |
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:
| $94.22 |
| |
|
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:
| Oct-1995 |
Debt/Income ratio:
| 35% |
|
Credit score:
| 680-699 (Aug-2010) |
Inquiries last 6m:
| 0 | Employment status: | Employed |
|
Now delinquent:
| 0 |
Current / open credit lines:
| 7
/
6 | Length of status: | 14y 11m |
|
Amount delinquent:
| $0 |
Total credit lines:
| 22 |
Occupation: | Other |
|
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $49,969 | Stated income: | $50,000-$74,999 |
|
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 93% | | |
| | |
Homeownership:
| No | | |
|
Screen name:
| liberty-embrace7 |
Borrower's state:
| Arizona |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Description
Pay down high interest credit card
Purpose of loan:
This loan will be used to pay down a portion of my credit card debt that is charging 19% interest.
My financial situation:
I am a good candidate for this loan because you have my word that I will pay back this loan.? I cannot imagine not making all of my payments on time -- I wouldn't be able to sleep at night.? Thank you so much for considering my request!
Monthly net income: $3386
Monthly expenses: $
??Housing: $ (live with parents)
??Insurance: $
??Car expenses: $?public transportation = $42.50
??Utilities: $?
??Phone, cable, internet: $ 41
??Food, entertainment: $
??Clothing, household expenses $
??Credit cards and other loans: $ 1150
??Other expenses: $
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
470227
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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):
| 7 |
First credit line:
| Feb-1994 |
Debt/Income ratio:
| 10% |
|
Credit score:
| 640-659 (Aug-2010) |
Inquiries last 6m:
| 0 | Employment status: | Employed |
|
Now delinquent:
| 0 |
Current / open credit lines:
| 5
/
4 | Length of status: | 2y 11m |
|
Amount delinquent:
| $0 |
Total credit lines:
| 32 |
Occupation: | Computer Programmer |
|
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $16,741 | Stated income: | $75,000-$99,999 |
|
Delinquencies in last 7y:
| 11 |
Bankcard utilization:
| 96% | | |
| | |
Homeownership:
| No | | |
|
Screen name:
| greenback-lava3 |
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
Internet Business Startup purposes
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
471351
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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):
| 6 |
First credit line:
| Mar-2001 |
Debt/Income ratio:
| 21% |
|
Credit score:
| 760-779 (Aug-2010) |
Inquiries last 6m:
| 2 | Employment status: | Employed |
|
Now delinquent:
| 0 |
Current / open credit lines:
| 7
/
4 | Length of status: | 0y 2m |
|
Amount delinquent:
| $0 |
Total credit lines:
| 18 |
Occupation: | Professional |
|
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $40,893 | Stated income: | $50,000-$74,999 |
|
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 22% | | |
| | |
Homeownership:
| Yes | | |
|
Screen name:
| affluence-performer9 |
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
Remodeling my kitchen
Purpose of loan:
This loan will be used to? Remodeling my kitchen????
My financial situation:
I am a good candidate for this loan because?
I am a homeowner and have never defaulted on any loan I have received.? I only have three outstanding debts, my care, home and credit card.
Monthly net income: $ 5,000.
Monthly expenses: $
??Housing: $ 1700.????
??Insurance: $ 57
??Car expenses: $ 497.????
??Utilities: $ 40
??Phone, cable, internet: $?200.
??Food, entertainment: $ 300
??Clothing, household expenses $ 100????
??Credit cards and other loans: $ 100.
??Other expenses: $
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
471705
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
|
Amount:
| $4,400.00 |
Prosper Rating:
| D |
Auction Duration:
| 7 days
|
|
Term:
| 36 months |
Estimated loss:
| 9.8% | | |
| | | |
|
|
Starting lender yield:
| 23.75% |
Starting borrower rate/APR:
| 24.75% / 28.24% |
Starting monthly payment:
| $174.36 |
| |
|
Auction yield range:
| 10.89% - 23.75% |
Estimated loss impact:
| 10.38% | | |
|
Lender servicing fee:
| 1.00% |
Estimated return:
| 13.37% | | |
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):
| 7 |
First credit line:
| May-1998 |
Debt/Income ratio:
| 14% |
|
Credit score:
| 680-699 (Aug-2010) |
Inquiries last 6m:
| 0 | Employment status: | Employed |
|
Now delinquent:
| 2 |
Current / open credit lines:
| 9
/
7 | Length of status: | 6y 6m |
|
Amount delinquent:
| $4,289 |
Total credit lines:
| 38 |
Occupation: | Accountant/CPA |
|
Public records last 12m / 10y:
| 0/ 1 |
Revolving credit balance:
| $12,226 | Stated income: | $50,000-$74,999 |
|
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 85% | | |
| | |
Homeownership:
| No | | |
|
Screen name:
| CaliforniaSingleMom |
Borrower's state:
| California |
Borrower's group:
| BORROWERS - LARGEST GROUP |
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
| Loan history | Payment history | Credit score history |
|
Active / total loans:
| 0 / 1 |
On-time:
| 23 ( 100% )
| 680-699 (Latest)
|
|
Principal borrowed:
| $6,000.00 | < 31 days late:
| 0
( 0% )
| 620-639
(Mar-2007)
|
|
Principal balance:
| $0.00 |
31+ days late:
| 0
( 0% )
|
|
Total payments billed:
| 23 | | |
Description
PAYOFF CREDIT DEBT-SuperResponsible
Purpose of loan:
Payoff high interest credit cards and consolidate to pay them off with this 3 year Prosper loan.
This is my second prosper loan. I successfully paid off my last prosper loan ON TIME.
My financial situation:
The money I use to make the monthly payments on the credit cards will be used to pay Prosper Loan. This loan will help pay off these high interest credit cards sooner and save me hundreds of dollars in interest. I am a good candidate because I pay my bills on time. The only reason my credit score is at 690 instead of higher is the bankruptcy 6 years ago and I had two cars repossessed after my divorce 4 years ago.
Monthly net income: $
3600.00
Monthly expenses: $ 3400.00
??Housing: $
1050
??Insurance: $
150
??Car expenses: $400
??Utilities: $
150
??Phone, cable, internet: $ 250
??Food, entertainment: $
500
??Clothing, household expenses $
100
??Credit cards and other loans: $
350
??Other expenses: $
450.00 (Childcare)
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
472133
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
|
Amount:
| $3,600.00 |
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:
| $147.94 |
| |
|
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):
| 7 |
First credit line:
| Jun-1995 |
Debt/Income ratio:
| Self-employed (DTI Not Calculated) |
|
Credit score:
| 700-719 (Aug-2010) |
Inquiries last 6m:
| 0 | Employment status: | Self-employed |
|
Now delinquent:
| 0 |
Current / open credit lines:
| 9
/
8 | Length of status: | 11y 6m |
|
Amount delinquent:
| $0 |
Total credit lines:
| 16 |
Occupation: | Food Service |
|
Public records last 12m / 10y:
| 0/ 1 |
Revolving credit balance:
| $1,786 | Stated income: | $25,000-$49,999 |
|
Delinquencies in last 7y:
| 87 |
Bankcard utilization:
| 12% | | |
| | |
Homeownership:
| No | | |
|
Screen name:
| payout-chorus9 |
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
Re-list Business Capital and Credit
This is a re-list which originally reached 80% funding for a larger loan amount. This loan amount has been reduced, thus reducing the monthly payment on the loan.
Purpose of loan:
This loan will be used primarily as marketing capital for an established, 11 year old, national business. My company WeGoShop.com was originally established in February 1999.
WeGoShop.com has grown throughout the United States via a network of Associate Owners. Associate Owners pay a fee varying from $100.00 per month to $600.00 per 18 months in order to operate and use the brand name of WeGoShop.com. We have never paid for marketing to acquire new Associate Owners in the past. The time has now come for us to start marketing our business opportunity to increase our network of WeGoShop.com Associate Owners and show them the benefit of starting a business with us versus starting something on their own from scratch. Currently, using the search term on Google "start your own grocery delivery business" will generate some relevant listings, of which WeGoShop.com is placed in the 6th position of these listings.
Our data collection via our website has shown that there is no lack of customers and their interest wanting to use a grocery shopping and delivery service, only that the service is not provided everywhere. This is where we come in, we give the opportunity for someone to start their own service with us, an established service provider, to fill the needs of their community.
50% or more of all revenue received from acquiring new Associate Owners due to our marketing efforts will be used to pay back this loan. I have opted to use Prosper.com as our funding source to eliminate much of the red tape involved in securing a traditional loan from a bank.
My personal financial situation, excluding business is as follows:
Monthly net income: $ $3500.00
Monthly expenses: $ Approx. $2900.00
??Housing: $725.00
??Insurance: $ 225.00
??Car expenses: $ 280.00
??Utilities: $140.00
??Phone, cable, internet: $ 180.00
??Food, entertainment: $ 400.00
??Clothing, household expenses $ 100.00
??Credit cards and other loans: $ 650.00
??Other expenses: $
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
472145
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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):
| 4 |
First credit line:
| Oct-1984 |
Debt/Income ratio:
| 13% |
|
Credit score:
| 660-679 (Aug-2010) |
Inquiries last 6m:
| 0 | Employment status: | Other |
|
Now delinquent:
| 1 |
Current / open credit lines:
| 1
/
1 | Length of status: | 1y 4m |
|
Amount delinquent:
| $3,160 |
Total credit lines:
| 16 | Stated income: | $25,000-$49,999 |
|
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $0 | |
|
Delinquencies in last 7y:
| 6 |
Bankcard utilization:
| 0% | | |
| | |
Homeownership:
| Yes | | |
|
Screen name:
| asset-rose4 |
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
PLEASE LOOK!!! GREAT BORROWER!!!!
Purpose of loan:
Thank you for looking at my proposal. I am going to use this
loan to help pay moving expenses, make minor repairs to my car and to
start a small business with my daughter, which will help supplement my
income.? We plan to open an in-home daycare and preschool in my
daughter's home. We have researched the need for this service
and there is a great demand in the area. My daughter is a licensed,
veteran teacher with a Master of Science in Education and over 13 years
teaching experience. I worked as a paraprofessional in public schools
for five years after retiring from a 25-year career at LifeWay Christian
Stores. I will be living with my daughter and her husband. The money
will be used to help purchase needed materials for renovating the rooms
used for our daycare/preschool and purchasing sleeping mats, tables,
chairs, shelves, and supplies.?
My financial situation:
I am an excellent candidate for this loan because I am making
an investment that will produce income to pay for the loan and will
increase my monthly available funds. Because I am moving into my
daughter's home, I will no longer have the expenses associated with
living on my own. I will not be responsible for paying utilities and
food costs will be shared. The savings from my average monthly utility,
phone, cable, and internet bills of $297.00 alone will pay most of my
loan. The income generated by the daycare, if operating at 75% will be
$1575.00 a week. This will more than cover the loan payment.
Please note that I do not use revolving credit. My choice NOT to have
this form of debt and potential debt has caused my income to available
debt ratio to be skewed; falsely portraying a higher risk. Also, please
note, that the delinquent amount on the credit report is in dispute
because it has been erroneously listed.
Feel free to email me with questions. My daughter is willing to answer
questions about the preschool/daycare, as well. We look forward to
hearing from you.
Thank you!
Monthly net income: $
2126.00
Monthly expenses: $
1407.00
??Housing: $
0
??Insurance: $ 220.00
??Car expenses: $
30.00
??Utilities: $
200.00
??Phone, cable, internet: $
97.00
??Food, entertainment: $
300.00
??Clothing, household expenses $
25.00
??Credit cards and other loans: $
438.00
??Other expenses: $ 97.00
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
472149
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
|
Amount:
| $9,000.00 |
Prosper Rating:
| 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:
| $298.93 |
| |
|
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):
| 8 |
First credit line:
| Sep-2000 |
Debt/Income ratio:
| 15% |
|
Credit score:
| 700-719 (Aug-2010) |
Inquiries last 6m:
| 1 | Employment status: | Employed |
|
Now delinquent:
| 0 |
Current / open credit lines:
| 8
/
7 | Length of status: | 9y 3m |
|
Amount delinquent:
| $0 |
Total credit lines:
| 12 |
Occupation: | Computer Programmer |
|
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $8,141 | Stated income: | $50,000-$74,999 |
|
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 45% | | |
| | |
Homeownership:
| No | | |
|
Screen name:
| vlong |
Borrower's state:
| Texas |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Description
Debt Consolidation
Purpose of loan:
This loan will be used to pay off my credit cards.
My financial situation:
I am a good candidate for this loan because I am very reliable and always make payment on time.
Monthly net income: $
3300.00
Monthly expenses: $
2125.00
??Housing: $
1000.00
??Insurance: $
200.00
??Car expenses: $
100.00
??Utilities: $ 120.00
??Phone, cable, internet: $
145.00
??Food, entertainment: $
60.00
??Clothing, household expenses $ 200.00
??Credit cards and other loans: $
200.00
??Other expenses: $
100.00
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
472155
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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):
| 6 |
First credit line:
| May-2000 |
Debt/Income ratio:
| 12% |
|
Credit score:
| 640-659 (Aug-2010) |
Inquiries last 6m:
| 6 | Employment status: | Employed |
|
Now delinquent:
| 0 |
Current / open credit lines:
| 5
/
2 | Length of status: | 1y 3m |
|
Amount delinquent:
| $0 |
Total credit lines:
| 14 |
Occupation: | Chemist |
|
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $16,154 | Stated income: | $50,000-$74,999 |
|
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 84% | | |
| | |
Homeownership:
| No | | |
|
Screen name:
| CreativeSilence |
Borrower's state:
| Virginia |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
| Loan history | Payment history | Credit score history |
|
Active / total loans:
| 0 / 1 |
On-time:
| 18 ( 100% )
| 640-659 (Latest)
|
|
Principal borrowed:
| $2,000.00 | < 31 days late:
| 0
( 0% )
| 620-639
(Apr-2008)
620-639
(Mar-2008)
|
|
Principal balance:
| $0.00 |
31+ days late:
| 0
( 0% )
|
|
Total payments billed:
| 18 | | |
Description
Consolidating Debt
Purpose of this loan:
The purpose of this loan is to transfer auto & credit card debt to a lower interest loan; to pay out before 2011.
My financial situation:
I've already paid off One Prosper.com Loan early, now I just want to combine everything else, and get 2010 started off right!!
THANKS AGAIN & BLESSINGS TO ALL AND GOODWILLING!!!
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
472157
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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:
| 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:
| 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):
| 6 |
First credit line:
| Oct-1997 |
Debt/Income ratio:
| 23% |
|
Credit score:
| 640-659 (Aug-2010) |
Inquiries last 6m:
| 0 | Employment status: | Employed |
|
Now delinquent:
| 0 |
Current / open credit lines:
| 7
/
7 | Length of status: | 7y 10m |
|
Amount delinquent:
| $0 |
Total credit lines:
| 17 |
Occupation: | Professional |
|
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $13,572 | Stated income: | $25,000-$49,999 |
|
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 98% | | |
| | |
Homeownership:
| No | | |
|
Screen name:
| investment-halo |
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
Sm.Loan 4 unexpected car repair
Purpose of loan:
This loan will be used to?Pay off some credit card/automobile repair costs incurred
My financial situation:Good credit, no mortgage,no bankruptcies, no delinquencies, never sent to collections
I am a good candidate for this loan because?I have been employed with the State of MI since 10/02 and please see above regarding "financial situation"
Monthly net income: $ $2021.78
Monthly expenses: $
??Housing: $275.00
??Insurance: $155.73
??Car expenses: $297.00
??Utilities: $91.00
??Phone, cable, internet: $69.00
??Food, entertainment: $159.00
??Clothing, household expenses $30.00
??Credit cards and other loans: $250.00
??Other expenses: $
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
472161
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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:
| Mar-2000 |
Debt/Income ratio:
| 36% |
|
Credit score:
| 660-679 (Aug-2010) |
Inquiries last 6m:
| 3 | Employment status: | Employed |
|
Now delinquent:
| 2 |
Current / open credit lines:
| 14
/
12 | Length of status: | 12y 0m |
|
Amount delinquent:
| $864 |
Total credit lines:
| 27 |
Occupation: | Military Enlisted |
|
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $11,038 | Stated income: | $50,000-$74,999 |
|
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 0% | | |
| | |
Homeownership:
| Yes | | |
|
Screen name:
| worlds-best-currency4 |
Borrower's state:
| Alaska |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Description
Credit Debt Consolidation
Purpose of loan:
To pay off credit cards.
My financial situation:
I am a good candidate for this loan because I have a stable source of income and will be completely paying off several credit balances with this loan, therefore improving my credit score and being able?to pay off this loan quicker.
Monthly net income: $ 6500
Monthly expenses: $
??Housing: $ 800
??Insurance: $ 125
??Car expenses: $ 595?
??Utilities: $ 0
??Phone, cable, internet: $?99
??Food, entertainment: $?200
??Clothing, household expenses $ 50
??Credit cards and other loans: $ 600
??Child Support?expenses: $ 2000
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
472163
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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:
| 36.6% | | |
| | | |
|
|
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:
| 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:
| Feb-1986 |
Debt/Income ratio:
| 48% |
|
Credit score:
| 660-679 (Aug-2010) |
Inquiries last 6m:
| 2 | Employment status: | Employed |
|
Now delinquent:
| 3 |
Current / open credit lines:
| 17
/
18 | Length of status: | 10y 2m |
|
Amount delinquent:
| $1,623 |
Total credit lines:
| 50 |
Occupation: | Police Officer/Corr... |
|
Public records last 12m / 10y:
| 0/ 1 |
Revolving credit balance:
| $39,631 | Stated income: | $75,000-$99,999 |
|
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 77% | | |
| | |
Homeownership:
| Yes | | |
|
Screen name:
| ultimate-deal3 |
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
kitchen remodel
Purpose of loan:
This loan will be used to? To?replace and update our kitchen floor?
My financial situation:
I am a good candidate for this loan because?
I have been with the company for 10 years and have worked from a correctional officer to a corporate executive. I am responsible and have never had any legal actions aagainst me.??The previous bankruptcy for medical reasons,is to clear from my credit report in Novemebr 2010.?? I served the United States Navy faithfully for 20 years? and have received five good conduct medals, served in four military conflictes from Vietnam to the Persian Gulf.?I have been diligently working to clear up all past credit problems to be able to again be proud of myself in being able to control money.? My wife has been ill and I have been continuing to work with creditors to eliminate my debts. Deliquent debts have been brought current and ahead
Monthly net income: $ 6575.00
Monthly expenses: $
??Housing: $ 1158.00
??Insurance: $ 295.
??Car expenses: $ 668
??Utilities: $ 100
??Phone, cable, internet: $ 47
??Food, entertainment: $ 150
??Clothing, household expenses $ 200
??Credit cards and other loans: $ 400
??Other expenses: $
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
472167
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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):
| 5 |
First credit line:
| Jul-1994 |
Debt/Income ratio:
| 48% |
|
Credit score:
| 680-699 (Aug-2010) |
Inquiries last 6m:
| 0 | Employment status: | Employed |
|
Now delinquent:
| 0 |
Current / open credit lines:
| 13
/
10 | Length of status: | 2y 8m |
|
Amount delinquent:
| $0 |
Total credit lines:
| 28 |
Occupation: | Professional |
|
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $71,622 | Stated income: | $75,000-$99,999 |
|
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 97% | | |
| | |
Homeownership:
| Yes | | |
|
Screen name:
| greenback-tiramisu |
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 CLOSED credit cards
Purpose of loan:
To payoff CLOSED credit cards.
My financial situation:
My wife and I have stable jobs and are proud home owners.? We have lived in our house for over 7yrs.? We locked in at a low rate and are not upside down on our home.? We just went over our heads in credit card debt.? However, we want to handle this responsibly and payoff our debt.
Monthly net income: $9,055
Monthly expenses: $6,911
??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
472173
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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:
| C |
Auction Duration:
| 7 days
|
|
Term:
| 36 months |
Estimated loss:
| 8.7% | | |
| | | |
|
|
Starting lender yield:
| 14.00% |
Starting borrower rate/APR:
| 15.00% / 18.29% |
Starting monthly payment:
| $519.98 |
| |
|
Auction yield range:
| 7.89% - 14.00% |
Estimated loss impact:
| 9.01% | | |
|
Lender servicing fee:
| 1.00% |
Estimated return:
| 4.99% | | |
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):
| 7 |
First credit line:
| Jul-1988 |
Debt/Income ratio:
| Self-employed (DTI Not Calculated) |
|
Credit score:
| 780-799 (Aug-2010) |
Inquiries last 6m:
| 0 | Employment status: | Self-employed |
|
Now delinquent:
| 0 |
Current / open credit lines:
| 6
/
6 | Length of status: | 4y 7m |
|
Amount delinquent:
| $0 |
Total credit lines:
| 11 |
Occupation: | Computer Programmer |
|
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $4,004 | Stated income: | $100,000+ |
|
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 24% | | |
| | |
Homeownership:
| No | | |
|
Screen name:
| joyous-return8 |
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
Business Expansion
Purpose of loan:
This loan will be used to expand my?profitable web business.
My financial situation:
I am a good candidate for this loan because I have a good income and good credit.? I was astonished at my C Prosper rating.? I believe it is due to being self-employed and not being listed as a home owner.I have 14 years experience supporting computers in a corporate environment.? I have 12 years experience in my current field and I have been self-employed for the last 4 1/2 years.? My business is successful and very profitable, thus my interest in expanding.I am a homeowner, but Prosper does not see a mortgage on my credit report, so I am not listed as a homeowner.? I actually own 2 homes.? The first does not have my name on the mortgage (recently married), the second does not have a mortgage.I have $60,000 in an inherited IRA that I can use for my business, but withdrawals are taxed as regular income.? I also have $16,000 in available credit on my credit cards, with interest rates of 9.24% - 13.24%, but those rates are variable.? I would I prefer the predictablitity of a fixed rate loan through Prosper.?????
Monthly net income: $ 8500
Monthly expenses: $ 2200
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
472177
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
|
Amount:
| $6,000.00 |
Prosper Rating:
| D |
Auction Duration:
| 7 days
|
|
Term:
| 36 months |
Estimated loss:
| 10.8% | | |
| | | |
|
|
Starting lender yield:
| 19.99% |
Starting borrower rate/APR:
| 20.99% / 24.40% |
Starting monthly payment:
| $226.02 |
| |
|
Auction yield range:
| 10.89% - 19.99% |
Estimated loss impact:
| 11.28% | | |
|
Lender servicing fee:
| 1.00% |
Estimated return:
| 8.71% | | |
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
|
Prosper score (1-10):
| 8 |
First credit line:
| Mar-1997 |
Debt/Income ratio:
| 17% |
|
Credit score:
| 640-659 (Aug-2010) |
Inquiries last 6m:
| 1 | Employment status: | Employed |
|
Now delinquent:
| 0 |
Current / open credit lines:
| 7
/
5 | Length of status: | 4y 11m |
|
Amount delinquent:
| $0 |
Total credit lines:
| 10 |
Occupation: | Medical Technician |
|
Public records last 12m / 10y:
| 0/ 2 |
Revolving credit balance:
| $4,085 | Stated income: | $25,000-$49,999 |
|
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 70% | | |
| | |
Homeownership:
| No | | |
|
Screen name:
| silver-bumblebee |
Borrower's state:
| Idaho |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Description
Aiming to be Debt Free!
Purpose of loan:
This loan will be used to consolidate my credit cards.
My financial situation:
I am a good candidate for this loan because I am working towards financial independence. I am trying to steer clear from the 30% interest rates
Monthly net income: $ 2560
Monthly expenses: $
??Housing: $ 600
??Insurance: $ 100????
??Car expenses: $ 440?
??Utilities: $ 600
??Phone, cable, internet: $ 200
??Food, entertainment: 300$
??Clothing, household expenses $
??Credit cards and other loans: $ 200
??Other expenses: $
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
472181
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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:
| C |
Auction Duration:
| 7 days
|
|
Term:
| 36 months |
Estimated loss:
| 8.7% | | |
| | | |
|
|
Starting lender yield:
| 22.65% |
Starting borrower rate/APR:
| 23.65% / 27.12% |
Starting monthly payment:
| $585.74 |
| |
|
Auction yield range:
| 7.89% - 22.65% |
Estimated loss impact:
| 9.24% | | |
|
Lender servicing fee:
| 1.00% |
Estimated return:
| 13.41% | | |
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
|
Prosper score (1-10):
| 7 |
First credit line:
| Aug-1987 |
Debt/Income ratio:
| Not calculated |
|
Credit score:
| 820-839 (Aug-2010) |
Inquiries last 6m:
| 0 | Employment status: | Other |
|
Now delinquent:
| 0 |
Current / open credit lines:
| 9
/
8 | Length of status: | 1y 3m |
|
Amount delinquent:
| $0 |
Total credit lines:
| 27 |
Occupation: | Other |
|
Public records last 12m / 10y:
| 1/ 1 |
Revolving credit balance:
| $20,543 | Stated income: | $100,000+ |
|
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 25% | | |
| | |
Homeownership:
| Yes | | |
|
Screen name:
| rapid-deal113 |
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
Bridge Loan Before Biz Funding
Purpose of loan:
This loan will be used to complete capital raise for new business.? If you are interested in finding out more about business let me know.? You may want to consider investing in business once capital raise is completed.?
My financial situation:
I am a good candidate for this loan because I will be receiving $60k in late September or early October and be able to pay this back.? More information about this security if I receive offer.
Monthly net income: $10,000.00
Monthly expenses: $
??Housing: $
0
??Insurance: $
300
??Car expenses: $ 0
??Utilities: $
300
??Phone, cable, internet: $
200
??Food, entertainment: $
600
??Clothing, household expenses $
300
??Credit cards and other loans: $
400
??Other expenses: $ 4000
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
472189
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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:
| 36.00% / 39.75% |
Starting monthly payment:
| $343.53 |
| |
|
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:
| Oct-1996 |
Debt/Income ratio:
| 29% |
|
Credit score:
| 660-679 (Aug-2010) |
Inquiries last 6m:
| 1 | Employment status: | Employed |
|
Now delinquent:
| 0 |
Current / open credit lines:
| 4
/
3 | Length of status: | 3y 4m |
|
Amount delinquent:
| $0 |
Total credit lines:
| 7 |
Occupation: | Administrative Assi... |
|
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $325 | Stated income: | $25,000-$49,999 |
|
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 0% | | |
| | |
Homeownership:
| No | | |
|
Screen name:
| tender-fund6 |
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
SourceScreen
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
472193
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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:
| 14.00% |
Starting borrower rate/APR:
| 15.00% / 18.29% |
Starting monthly payment:
| $173.33 |
| |
|
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):
| 8 |
First credit line:
| Jun-1999 |
Debt/Income ratio:
| 21% |
|
Credit score:
| 700-719 (Aug-2010) |
Inquiries last 6m:
| 0 | Employment status: | Employed |
|
Now delinquent:
| 1 |
Current / open credit lines:
| 7
/
5 | Length of status: | 4y 5m |
|
Amount delinquent:
| $300 |
Total credit lines:
| 13 |
Occupation: | Food Service Manage... |
|
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $10,113 | Stated income: | $25,000-$49,999 |
|
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 55% | | |
| | |
Homeownership:
| No | | |
|
Screen name:
| first-basis-haven |
Borrower's state:
| Washington |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Description
Dream Kitchen
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
472195
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
|
Amount:
| $3,000.00 |
Prosper Rating:
| D |
Auction Duration:
| 7 days
|
|
Term:
| 36 months |
Estimated loss:
| 10.8% | | |
| | | |
|
|
Starting lender yield:
| 26.50% |
Starting borrower rate/APR:
| 27.50% / 31.05% |
Starting monthly payment:
| $123.28 |
| |
|
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:
| 37% |
|
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?have just paid off my car and will have that extra money to put towards a loan that we desperately need for home repairs. We used up a lot of available credit to put our 2 girls through school. 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% as an RN, but am able to work more if I need to. My income is secure and I have no fear of being out of work.?My husband has been working full time and also has extra work to do on the side of his regular job. My credit rating is very good and I feel I deserve a higher prosper rating. I will not let any who bids on me down.
Monthly net income: $ 5,000
Monthly expenses: $
??Housing: $ 1750
??Insurance: $ 50
??Car expenses: $?200
??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
472197
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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:
| Oct-1995 |
Debt/Income ratio:
| Self-employed (DTI Not Calculated) |
|
Credit score:
| 640-659 (Aug-2010) |
Inquiries last 6m:
| 0 | Employment status: | Self-employed |
|
Now delinquent:
| 0 |
Current / open credit lines:
| 7
/
6 | Length of status: | 7y 5m |
|
Amount delinquent:
| $0 |
Total credit lines:
| 42 |
Occupation: | Professional |
|
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $22,264 | Stated income: | $25,000-$49,999 |
|
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 111% | | |
| | |
Homeownership:
| No | | |
|
Screen name:
| justice-historian |
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
HonorBibs featured in SHAPE Mag!!
HonorBibs? will be featured in the October issue of SHAPE Magazine and were featured on 9News! http://www.9news.com/sports/article.aspx?storyid=145000&catid=404Purpose of loan:
This loan will be used to pay for expenses incurred by creating www.HonorBib.com and personal expenses to support my two kids, ages 5 and 7, as I am a single mom. HonorBib LLC launched in June 2010 and provides customized photo back bibs for runners, walkers, cyclists to honor those they love during a charity event. HonorBibs are $10 each and come in either seed paper or Tyvek?. After the event soak the seed paper HonorBib in water, plant in a garden and wildflowers will grow?providing you with memories long after the event. The business plan is to partner with myriad charities and to donate 10% (or $1) from each HonorBib sold. Currently, I am in final negotiations with Susan G. Komen, Team in Training and Alzheimer?s Assoc. My financial situation:
I am a good candidate for this loan because I am a fiscally responsible person and prior to starting HonorBib LLC I owned my own public relations business for 7 years (www.pitch110.com), so I know what it takes to run a successful company.
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
472207
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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:
| 22% |
|
Credit score:
| 660-679 (Aug-2010) |
Inquiries last 6m:
| 3 | Employment status: | Employed |
|
Now delinquent:
| 1 |
Current / open credit lines:
| 8
/
8 | Length of status: | 5y 5m |
|
Amount delinquent:
| $84 |
Total credit lines:
| 13 |
Occupation: | Other |
|
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $3,524 | Stated income: | $50,000-$74,999 |
|
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 55% | | |
| | |
Homeownership:
| Yes | | |
|
Screen name:
| SunShine1925 |
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
REALLY NEED A LOAN NEVER LATE
Purpose of loan:
Maternity leave, blinds and sprinklers
My financial situation:
I am on good financial footing because I pay all my bills on time and take my financial responsibility very seriously. I also have great job security during these tough economic times so making my monthly payments wont be a problem.
Monthly net income: $ 5900
Monthly expenses: $?
??Housing: $ 1,786
Insurance: $77
Car expenses: $450 + Gas $150
Utilities: $ 350
Phone, cable, internet: $ 130
Food, entertainment: $ 500
Clothing, household expenses $ 300
Credit cards and other loans: $ 105
Medical expenses : $70
Other expenses: Tithes 10% of take home Total = $490
Total monthly expenses = $ 4,408
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
472211
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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:
| C |
Auction Duration:
| 7 days
|
|
Term:
| 36 months |
Estimated loss:
| 8.7% | | |
| | | |
|
|
Starting lender yield:
| 11.00% |
Starting borrower rate/APR:
| 12.00% / 15.23% |
Starting monthly payment:
| $498.21 |
| |
|
Auction yield range:
| 7.89% - 11.00% |
Estimated loss impact:
| 8.93% | | |
|
Lender servicing fee:
| 1.00% |
Estimated return:
| 2.07% | | |
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:
| Oct-2000 |
Debt/Income ratio:
| 28% |
|
Credit score:
| 800-819 (Aug-2010) |
Inquiries last 6m:
| 0 | Employment status: | Employed |
|
Now delinquent:
| 0 |
Current / open credit lines:
| 13
/
13 | Length of status: | 4y 7m |
|
Amount delinquent:
| $0 |
Total credit lines:
| 49 |
Occupation: | Analyst |
|
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $15,000 | Stated income: | $75,000-$99,999 |
|
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 52% | | |
| | |
Homeownership:
| Yes | | |
|
Screen name:
| benefit-american9 |
Borrower's state:
| Washington |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Description
Funeral Expenses
Purpose of loan:
This loan will be used to cover funeral expenses.
My financial situation:
I am a good candidate for this loan because I never had any missed payments and I am about to sell my house to free-up more expenses.? All of my other expenses are paid by my wife.
Monthly net income: $3500
Monthly expenses: $
??Housing: $
750
??Insurance: $
50
??Car expenses: $
350
??Utilities: $
100
??Phone, cable, internet: $
100
??Food, entertainment: $
??Clothing, household expenses $
??Credit cards and other loans: $
??Other expenses: $
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
472213
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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:
| 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:
| $208.43 |
| |
|
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:
| Oct-2001 |
Debt/Income ratio:
| Not calculated |
|
Credit score:
| 740-759 (Aug-2010) |
Inquiries last 6m:
| 0 | Employment status: | Not employed |
|
Now delinquent:
| 0 |
Current / open credit lines:
| 16
/
12 | Length of status: | 0y 6m |
|
Amount delinquent:
| $0 |
Total credit lines:
| 32 | Stated income: | Not employed |
|
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $6,937 | |
|
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 47% | | |
| | |
Homeownership:
| No | | |
|
Screen name:
| credit-steward6 |
Borrower's state:
| Delaware |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Description
Paying off my credit cards
Purpose of loan:
This loan will be used to? pay off all credit cards that?I have to pay cash for everything that I will purchase and so that I can move out of my parent's home.
My financial situation:
I am a good candidate for this loan because?I currently live with my?parents as well as I am unemployed but I do collect an unemployment check. I also have a boyfriend?who makes $60,000 per year so I would be able to pay this loan.?
Monthly net income: $ 1200
Monthly expenses: $
??Housing: $ 0
??Insurance: $ 100
??Car expenses: $ 200
??Utilities: $ 0
??Phone, cable, internet: $ 80
??Food, entertainment: $ 100
??Clothing, household expenses $ 0
??Credit cards and other loans: $ 300
??Other expenses: $ 100
?? Total...................................880
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
472223
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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:
| 27.50% |
Starting borrower rate/APR:
| 28.50% / 32.07% |
Starting monthly payment:
| $83.27 |
| |
|
Auction yield range:
| 13.89% - 27.50% |
Estimated loss impact:
| 15.45% | | |
|
Lender servicing fee:
| 1.00% |
Estimated return:
| 12.05% | | |
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
|
Prosper score (1-10):
| 5 |
First credit line:
| Oct-1998 |
Debt/Income ratio:
| 16% |
|
Credit score:
| 660-679 (Jul-2010) |
Inquiries last 6m:
| 4 | Employment status: | Employed |
|
Now delinquent:
| 1 |
Current / open credit lines:
| 13
/
12 | Length of status: | 2y 10m |
|
Amount delinquent:
| $844 |
Total credit lines:
| 44 |
Occupation: | Accountant/CPA |
|
Public records last 12m / 10y:
| 0/ 1 |
Revolving credit balance:
| $3,420 | Stated income: | $50,000-$74,999 |
|
Delinquencies in last 7y:
| 11 |
Bankcard utilization:
| 35% | | |
| | |
Homeownership:
| Yes | | |
|
Screen name:
| FinanceGuy123 |
Borrower's state:
| Florida |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Description
Paying off a credit card
Purpose of loan:
I am new to Prosper.? I am taking out this loan to pay off my Discovercard. I am listing at a high interest rate due to me being new to Prosper. I am a great NO risk investment.? I want to work on getting a "A" Prosper Rating.. Prosper is a great tool to have sources to for investing and borrowing.? I would greatly appreciate your support from the Prosper family!
My financial situation:
I am great with finances...I am very new to this site.? I will eventually become a lender as well.? I was a victim of credit card fraud roughly 4 years ago and the $844 delinquent amount above was due to that.? It will be removed off my credit within 90 days. Please email me with any questions or concerns you may have.? Thank you for the consideration.?
Monthly net income: $
3880
Monthly expenses: $
??Housing: $
801
??Insurance: $
135
??Car expenses:
??Utilities: $
150
??Phone, cable, internet: $
110
??Food, entertainment: $
200
??Clothing, household expenses $
??Credit cards and other loans: $
100
??Other expenses: $
500
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
472227
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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:
| 26.50% |
Starting borrower rate/APR:
| 27.50% / 31.05% |
Starting monthly payment:
| $575.32 |
| |
|
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-1993 |
Debt/Income ratio:
| 29% |
|
Credit score:
| 680-699 (Aug-2010) |
Inquiries last 6m:
| 0 | Employment status: | Employed |
|
Now delinquent:
| 0 |
Current / open credit lines:
| 22
/
21 | Length of status: | 10y 2m |
|
Amount delinquent:
| $0 |
Total credit lines:
| 44 |
Occupation: | Computer Programmer |
|
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $27,419 | Stated income: | $75,000-$99,999 |
|
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 55% | | |
| | |
Homeownership:
| No | | |
|
Screen name:
| Truck47 |
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 of my credit cards and conso
Purpose of loan:
This loan will be used to?
Cosolidation of loans
My financial situation:
I am a good candidate for this loan because?
I am reposable whit payments and I like to keep my record clean
Monthly net income: $ 5500
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
472231
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
|
Amount:
| $1,000.00 |
Prosper Rating:
| A |
Auction Duration:
| 7 days
|
|
Term:
| 36 months |
Estimated loss:
| 3.5% | | |
| | | |
|
|
Starting lender yield:
| 10.15% |
Starting borrower rate/APR:
| 11.15% / 16.63% |
Starting monthly payment:
| $32.81 |
| |
|
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:
| Mar-1992 |
Debt/Income ratio:
| 3% |
|
Credit score:
| 740-759 (Aug-2010) |
Inquiries last 6m:
| 2 | Employment status: | Employed |
|
Now delinquent:
| 0 |
Current / open credit lines:
| 12
/
12 | Length of status: | 1y 9m |
|
Amount delinquent:
| $0 |
Total credit lines:
| 31 |
Occupation: | Clergy |
|
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $320,015 | Stated income: | $100,000+ |
|
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 91% | | |
| | |
Homeownership:
| Yes | | |
|
Screen name:
| cozy-gain |
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
for web2 project
Purpose of loan:
This loan will be used to?
My financial situation:
I am a good candidate for this loan because?
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
472241
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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:
| Oct-2007 |
Debt/Income ratio:
| 18% |
|
Credit score:
| 680-699 (Aug-2010) |
Inquiries last 6m:
| 0 | Employment status: | Employed |
|
Now delinquent:
| 0 |
Current / open credit lines:
| 4
/
3 | Length of status: | 2y 1m |
|
Amount delinquent:
| $0 |
Total credit lines:
| 5 |
Occupation: | Administrative Assi... |
|
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $841 | Stated income: | $25,000-$49,999 |
|
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 79% | | |
| | |
Homeownership:
| No | | |
|
Screen name:
| safe-dime |
Borrower's state:
| Florida |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Description
Paying bills and assistance moving
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
472243
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
|
Amount:
| $3,000.00 |
Prosper Rating:
| HR |
Auction Duration:
| 7 days
|
|
Term:
| 36 months |
Estimated loss:
| 18.3% | | |
| | | |
|
|
Starting lender yield:
| 19.00% |
Starting borrower rate/APR:
| 20.00% / 23.39% |
Starting monthly payment:
| $111.49 |
| |
|
Auction yield range:
| 16.89% - 19.00% |
Estimated loss impact:
| 19.36% | | |
|
Lender servicing fee:
| 1.00% |
Estimated return:
| -0.36% | | |
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should 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:
| Aug-1997 |
Debt/Income ratio:
| 10% |
|
Credit score:
| 680-699 (Aug-2010) |
Inquiries last 6m:
| 7 | Employment status: | Employed |
|
Now delinquent:
| 0 |
Current / open credit lines:
| 15
/
12 | Length of status: | 1y 1m |
|
Amount delinquent:
| $0 |
Total credit lines:
| 24 |
Occupation: | Sales - Commission |
|
Public records last 12m / 10y:
| 0/ 1 |
Revolving credit balance:
| $7,513 | Stated income: | $75,000-$99,999 |
|
Delinquencies in last 7y:
| 10 |
Bankcard utilization:
| 66% | | |
| | |
Homeownership:
| Yes | | |
|
Screen name:
| coin-bluebird9 |
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
Buying a Motorcycle
Purpose of loan:
Purchase a Motorcycle
My financial situation:
I am a good candidate for this loan because I am employed full time and have good credit
Monthly net income: $ 4300
Monthly expenses: $
??Housing: $ 2100
??Insurance: $ 200
??Car expenses: $ 390
??Utilities: $ 150
??Phone, cable, internet: $ 150
??Food, entertainment: $ 150
??Clothing, household expenses $ 100
??Credit cards and other loans: $?50
??Other expenses: $ 50
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
472253
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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):
| 6 |
First credit line:
| Aug-1995 |
Debt/Income ratio:
| 13% |
|
Credit score:
| 640-659 (Aug-2010) |
Inquiries last 6m:
| 1 | Employment status: | Employed |
|
Now delinquent:
| 2 |
Current / open credit lines:
| 11
/
11 | Length of status: | 11y 1m |
|
Amount delinquent:
| $5,716 |
Total credit lines:
| 21 |
Occupation: | Administrative Assi... |
|
Public records last 12m / 10y:
| 0/ 1 |
Revolving credit balance:
| $3,648 | Stated income: | $25,000-$49,999 |
|
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 70% | | |
| | |
Homeownership:
| Yes | | |
|
Screen name:
| green-cash-triumph |
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
Payin off credit cards
Purpose of loan:
This loan will be used to?pay off credit cards
My financial situation:
I am a good candidate for this loan because?
I make timely payments. I have steady income.
Monthly net income: $
2500
Monthly expenses: $
??Housing: $
1100
??Insurance: $
??Car expenses: $
??Utilities: $
100
??Phone, cable, internet: $
60
??Food, entertainment: $
200
??Clothing, household expenses $
??Credit cards and other loans: $
700
??Other expenses: $
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
472255
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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:
| Mar-2001 |
Debt/Income ratio:
| 10% |
|
Credit score:
| 680-699 (Aug-2010) |
Inquiries last 6m:
| 4 | Employment status: | Employed |
|
Now delinquent:
| 2 |
Current / open credit lines:
| 5
/
4 | Length of status: | 10y 9m |
|
Amount delinquent:
| $2,354 |
Total credit lines:
| 19 |
Occupation: | Professional |
|
Public records last 12m / 10y:
| 0/ 1 |
Revolving credit balance:
| $1,437 | Stated income: | $100,000+ |
|
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 95% | | |
| | |
Homeownership:
| Yes | | |
|
Screen name:
| nicofer |
Borrower's state:
| Indiana |
Borrower's group:
| BORROWERS - LARGEST GROUP |
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Description
Home Improvement / Update Basement
Purpose of loan:
This loan will be used to make basement repairs?at my primary residence.
My financial situation:
I am a good candidate for this loan because I have stable employment working as Director of Operations at a commercial insurance agency since 1999. I also own a rental property free and clear, collecting $850 per month.
Monthly net income: $6,945
Monthly expenses:?
??Housing: $ 1581.00
? Insurance:?$97.00
??Car expenses: $565.00
??Utilities: $150.00?
??Phone, cable, internet: $150.00
??Food, entertainment: $200.00?
??Clothing, household expenses $100.00
??Credit cards and other loans: $75.00?
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
472259
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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:
| 36.00% / 39.75% |
Starting monthly payment:
| $343.53 |
| |
|
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:
| Mar-1999 |
Debt/Income ratio:
| 25% |
|
Credit score:
| 640-659 (Aug-2010) |
Inquiries last 6m:
| 9 | Employment status: | Employed |
|
Now delinquent:
| 0 |
Current / open credit lines:
| 8
/
5 | Length of status: | 1y 11m |
|
Amount delinquent:
| $0 |
Total credit lines:
| 61 |
Occupation: | Accountant/CPA |
|
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $337 | Stated income: | $50,000-$74,999 |
|
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 67% | | |
| | |
Homeownership:
| Yes | | |
|
Screen name:
| kind-genuine-interest |
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
Rose Garden Child Care Center
Purpose of loan:
This loan will be used to start up a small nonprofit Childcare Center in Baltimore for low income children.? The focus of our program will be to motivate the children to love arts and culture.? I need these funds to acquire a location and pay business fees.
My financial situation:
I am a good candidate for this loan because I pay as agreed and I have a solid track record of acquiring credit and repaying as agreed.
Monthly net income: $ 6143
Monthly expenses: $
??Housing: $ 908
??Insurance: $ 17
??Car expenses: $ 400
??Utilities: $ 250
??Phone, cable, internet: $ 150
??Food, entertainment: $ 300
??Clothing, household expenses $ 100
??Credit cards and other loans: $ 300
??Other expenses: $
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
472265
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
|
Amount:
| $1,500.00 |
Prosper Rating:
| D |
Auction Duration:
| 7 days
|
|
Term:
| 36 months |
Estimated loss:
| 10.8% | | |
| | | |
|
|
Starting lender yield:
| 24.00% |
Starting borrower rate/APR:
| 25.00% / 28.90% |
Starting monthly payment:
| $59.64 |
| |
|
Auction yield range:
| 10.89% - 24.00% |
Estimated loss impact:
| 11.39% | | |
|
Lender servicing fee:
| 1.00% |
Estimated return:
| 12.61% | | |
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-1995 |
Debt/Income ratio:
| 35% |
|
Credit score:
| 800-819 (Aug-2010) |
Inquiries last 6m:
| 2 | Employment status: | Employed |
|
Now delinquent:
| 0 |
Current / open credit lines:
| 11
/
8 | Length of status: | 11y 3m |
|
Amount delinquent:
| $0 |
Total credit lines:
| 29 |
Occupation: | Professional |
|
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $24,836 | Stated income: | $100,000+ |
|
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 71% | | |
| | |
Homeownership:
| Yes | | |
|
Screen name:
| intelligent-reward7 |
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
Snowball Debt Relief Action Plan
Purpose of loan:
This loan will be used to?
begin a snowball debt relief action plan.? I will begin by attacking my CHASE credit card?that currently has an interest rate of 28%.? Once I payoff this loan I will request another Prosper loan and continue attacking the CHASE credit card until completely paid off.
My financial situation:
I am a good candidate for this loan because? I make all my monthly payments on time.? Never been late or delinquent on any payment.? I will be receiving a $500 a month raise next month (09/2010), which should allow me to pay this loan of rapidly, before the 36 months.
Monthly net income: $ 8,500+ $4,500 (Wifes Income)
Monthly expenses: $
??Housing: $ 3,400
??Insurance: $ 130
??Car expenses: $ 150
??Utilities: $ 70
??Phone, cable, internet: $ 100
??Food, entertainment: $ 300
??Clothing, household expenses $ 200
??Credit cards and other loans: $ 1000
??Other expenses: $ 200
My wifes income is used to assist with all the expenses referenced above.
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
472267
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
|
Amount:
| $2,075.00 |
Prosper Rating:
| HR |
Auction Duration:
| 7 days
|
|
Term:
| 36 months |
Estimated loss:
| 24.0% | | |
| | | |
|
|
Starting lender yield:
| 22.00% |
Starting borrower rate/APR:
| 23.00% / 26.46% |
Starting monthly payment:
| $80.32 |
| |
|
Auction yield range:
| 16.89% - 22.00% |
Estimated loss impact:
| 25.25% | | |
|
Lender servicing fee:
| 1.00% |
Estimated return:
| -3.25% | | |
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should 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-1978 |
Debt/Income ratio:
| 11% |
|
Credit score:
| 660-679 (Aug-2010) |
Inquiries last 6m:
| 3 | Employment status: | Other |
|
Now delinquent:
| 0 |
Current / open credit lines:
| 6
/
4 | Length of status: | 4y 11m |
|
Amount delinquent:
| $0 |
Total credit lines:
| 29 | Stated income: | $1-$24,999 |
|
Public records last 12m / 10y:
| 0/ 1 |
Revolving credit balance:
| $353 | |
|
Delinquencies in last 7y:
| 20 |
Bankcard utilization:
| 0% | | |
| | |
Homeownership:
| Yes | | |
|
Screen name:
| deal-keeper9 |
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.
Prosper Activity
| Loan history | Payment history | Credit score history |
|
Active / total loans:
| 0 / 1 |
On-time:
| 2 ( 100% )
| 660-679 (Latest)
|
|
Principal borrowed:
| $1,000.00 | < 31 days late:
| 0
( 0% )
| 640-659
(May-2010)
|
|
Principal balance:
| $0.00 |
31+ days late:
| 0
( 0% )
|
|
Total payments billed:
| 2 | | |
Description
Water Heater/Plumbing 2nd Loan
Purpose of loan:
Replace?water heater and?plumbing. Pay?loan of $213.
My financial situation:I have established?credit since a bankruptcy discharged on April 29, 2008. It was due to medical problems which resulted in 18 months of reduced and/or no income. I've paid my 1st Prosper Loan early. I've just paid in full my mortgage to Pulaski Bank 24 yr,10 months in advance. I have equity in my home.
Monthly net income: $ 1858 (SSDI $1392, Lifetime Retirement from the State of M)? $253 and Truman Med Center $215) I also have rental income of $325/month which isn't included in?Monthly Net Income).
Monthly expenses:?
Home:?Tax and Hazard Ins?????????? ???????????????????????????????????????????????????????????????????????????????????????????????????? $? 130
Auto:?? Ins????????? ???????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????? 117
??????????Gas?& Maintenance??????????????????????????????????????????????????????????????????????????????????????????????????????????????????? ?50
Utilities ( I split these expenses of $280 ?with my roommate)??????????????????????????????????????????????????????????????????? 140
Phone?& Internet??????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????? 80
Groceries?& Entertainment??????????????????????????????????????????????????????????????????????????????????????????????????????????????????? 290
Household Exp??????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????? ??80
Medical???????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????? 60????????????
Revolving & Installment Accts:
ESCU - Auto Loan????????????????????????????????????????? $5380 @?? 5.25%???????????????????????????????????????????????????????????? ?135
ESCU- Personal Loan???????????????????????????????????????4000 @?13.50%??????????????????????????????????????????????????????????????137
Nat'l Bank of Kansas City?????????????????????????????????? 213 @? 20.00%?????????????????????????????????????????????????????????????? 93 (Will pay off with loan.)
Target?????????????????????????????????????????????????????????????? 353? @ 22.99%???????????????????????????????????????????????????????????????10
Total??????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????$1242
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
472289
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
|
Amount:
| $1,500.00 |
Prosper Rating:
| E |
Auction Duration:
| 7 days
|
|
Term:
| 36 months |
Estimated loss:
| 14.2% | | |
| | | |
|
|
Starting lender yield:
| 33.35% |
Starting borrower rate/APR:
| 34.35% / 38.49% |
Starting monthly payment:
| $67.30 |
| |
|
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-1991 |
Debt/Income ratio:
| 7% |
|
Credit score:
| 660-679 (Aug-2010) |
Inquiries last 6m:
| 0 | Employment status: | Employed |
|
Now delinquent:
| 0 |
Current / open credit lines:
| 2
/
2 | Length of status: | 3y 2m |
|
Amount delinquent:
| $0 |
Total credit lines:
| 27 |
Occupation: | Computer Programmer |
|
Public records last 12m / 10y:
| 0/ 1 |
Revolving credit balance:
| $0 | Stated income: | $75,000-$99,999 |
|
Delinquencies in last 7y:
| 9 |
Bankcard utilization:
| 0% | | |
| | |
Homeownership:
| No | | |
|
Screen name:
| green-p2p-travels |
Borrower's state:
| Washington |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Description
Unexpected expenses
Purpose of loan:
This loan will be used to cover unusual, non-reoccuring expenses.
My financial situation:
I am a good candidate for this loan because my company successfully weathered the economic recession and has returned to quarter-over-quarter growth. A renewed focus on the work I do will provide job security for the foreseeable future, and maintaining our reduced household expenses will allow us to return the loan amount promptly.
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
472295
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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:
| Sep-1979 |
Debt/Income ratio:
| 29% |
|
Credit score:
| 660-679 (Aug-2010) |
Inquiries last 6m:
| 1 | Employment status: | Employed |
|
Now delinquent:
| 0 |
Current / open credit lines:
| 15
/
14 | Length of status: | 31y 11m |
|
Amount delinquent:
| $0 |
Total credit lines:
| 39 |
Occupation: | Teacher |
|
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $22,735 | Stated income: | $50,000-$74,999 |
|
Delinquencies in last 7y:
| 4 |
Bankcard utilization:
| 98% | | |
| | |
Homeownership:
| Yes | | |
|
Screen name:
| pacopalmer |
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:
| 0 / 1 |
On-time:
| 8 ( 80% )
| 660-679 (Latest)
|
|
Principal borrowed:
| $9,500.00 | < 31 days late:
| 2
( 20% )
| 640-659
(Jun-2010)
640-659
(Jan-2010)
620-639
(Feb-2008)
760-779
(Jul-2007)
|
|
Principal balance:
| $0.00 |
31+ days late:
| 0
( 0% )
|
|
Total payments billed:
| 10 | | |
Description
masters degree, consolidate bills
Purpose of loan:
This loan will be used to pay?tuition for masters in teaching,?to help our daughters in college,?and for?bill consolidation.
My financial situation:
I am a good candidate for this loan because we are both teachers in good standing, very dependable, extra income coaching and working extra at Sylvan Learning Center. Please help; we are working hard to make the commitment for further college for our daughters and ourselves. We would greatly appreciate it. You can have faith in us to be on time and dependable.
Monthly net income: $ 65,000 + 80,000 (spouse)= 145,000
Monthly expenses: $
??Housing: $ 2,000
??Insurance: $400?
??Car expenses: $ 200
??Utilities: $200
??Phone, cable, internet: $100
??Food, entertainment: $ 400
??Clothing, household expenses $300
??Credit cards and other loans: $?1,000
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
472297
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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:
| 29.00% |
Starting borrower rate/APR:
| 30.00% / 33.61% |
Starting monthly payment:
| $318.39 |
| |
|
Auction yield range:
| 16.89% - 29.00% |
Estimated loss impact:
| 19.99% | | |
|
Lender servicing fee:
| 1.00% |
Estimated return:
| 9.01% | | |
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should 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-1988 |
Debt/Income ratio:
| Self-employed (DTI Not Calculated) |
|
Credit score:
| 700-719 (Aug-2010) |
Inquiries last 6m:
| 1 | Employment status: | Self-employed |
|
Now delinquent:
| 0 |
Current / open credit lines:
| 2
/
2 | Length of status: | 1y 2m |
|
Amount delinquent:
| $0 |
Total credit lines:
| 14 |
Occupation: | Sales - Retail |
|
Public records last 12m / 10y:
| 0/ 1 |
Revolving credit balance:
| $2,819 | Stated income: | $100,000+ |
|
Delinquencies in last 7y:
| 3 |
Bankcard utilization:
| 80% | | |
| | |
Homeownership:
| No | | |
|
Screen name:
| capital-zenith |
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
Financing for new orders!
Purpose of loan:
?I have more orders than I can finance myself.? I have to pre-pay for cabinetry from the manufacturers.
My financial situation:
I am a good candidate for this loan because I will be using the funds to pay for customer orders.? My customers pay 50% to order and the balance upon delivery.
Monthly net income: $ 8,250
Monthly expenses: $
??Housing: $ 2000 (own home with my wife)
??Insurance: $ 500
??Car expenses: $ 200 (own both my cars free and clear)
??Utilities: $ 500
??Phone, cable, internet: $ 200
??Food, entertainment: $ 500
??Clothing, household expenses $ 200
??Credit cards and other loans: $ 500
??Other expenses: $ 500
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
472301
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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:
| Oct-1992 |
Debt/Income ratio:
| 20% |
|
Credit score:
| 660-679 (Aug-2010) |
Inquiries last 6m:
| 2 | Employment status: | Employed |
|
Now delinquent:
| 0 |
Current / open credit lines:
| 18
/
12 | Length of status: | 0y 7m |
|
Amount delinquent:
| $0 |
Total credit lines:
| 42 |
Occupation: | Engineer - Mechanic... |
|
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $10,554 | Stated income: | $75,000-$99,999 |
|
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 98% | | |
| | |
Homeownership:
| Yes | | |
|
Screen name:
| versatile-euro |
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
Engagement/Wedding Ring
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
472325
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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):
| 5 |
First credit line:
| Dec-1996 |
Debt/Income ratio:
| 28% |
|
Credit score:
| 720-739 (Aug-2010) |
Inquiries last 6m:
| 1 | Employment status: | Employed |
|
Now delinquent:
| 0 |
Current / open credit lines:
| 23
/
20 | Length of status: | 3y 4m |
|
Amount delinquent:
| $0 |
Total credit lines:
| 45 |
Occupation: | Executive |
|
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $8,453 | Stated income: | $100,000+ |
|
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 10% | | |
| | |
Homeownership:
| Yes | | |
|
Screen name:
| bmille1966 |
Borrower's state:
| Mississippi |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
| Loan history | Payment history | Credit score history |
|
Active / total loans:
| 0 / 1 |
On-time:
| 36 ( 100% )
| 720-739 (Latest)
|
|
Principal borrowed:
| $7,100.00 | < 31 days late:
| 0
( 0% )
| 740-759
(Jul-2007)
|
|
Principal balance:
| $0.00 |
31+ days late:
| 0
( 0% )
|
|
Total payments billed:
| 36 | | |
Description
Increased Business
Purpose of loan:
I started a part time business 2 1/2 years ago (with a loan that I secured through Prosper). I was recently awarded a contract and which is going to require me to purchase some new equipment as well as update some of my existing equipment. I will also have some licensure fees.
My financial situation:
I currently work full time as a SR?Human Resources Manager which provides me with a good salary and bonus (115,000.00). I?have also averaged $3200.00 monthly from my part time business.?The new contract will allow?me to go into business full time doing something I truly enjoy which is Employee and Labor Relations consultation.Monthly net income: $ 9583.00
Monthly expenses: $
??Housing: $ 990
??Insurance: $ 233
??Car expenses: $640
??Utilities: $ 150
??Phone, cable, internet: $ 130
??Food, entertainment: $?400
??Clothing, household expenses $ 150
??Credit cards and other loans: $ 300
??Other expenses: $
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
472337
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
|
Amount:
| $4,240.00 |
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:
| $174.24 |
| |
|
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-1993 |
Debt/Income ratio:
| 37% |
|
Credit score:
| 760-779 (Aug-2010) |
Inquiries last 6m:
| 1 | Employment status: | Employed |
|
Now delinquent:
| 2 |
Current / open credit lines:
| 9
/
9 | Length of status: | 29y 1m |
|
Amount delinquent:
| $0 |
Total credit lines:
| 55 |
Occupation: | Sales - Retail |
|
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $2,668 | Stated income: | $25,000-$49,999 |
|
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 0% | | |
| | |
Homeownership:
| No | | |
|
Screen name:
| commerce-elvis |
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 all Bills
Purpose of loan:
This loan will be used to pay off two bills I have fallen behind on.?
My financial situation:
I am a good candidate for this loan.
Monthly net income: 3500-4000.00
Information in the Description is not verified.