Listing Report:Supplement No. 23 dated Aug 20, 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
471749
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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:
| B |
Auction Duration:
| 7 days
|
Term:
| 36 months |
Estimated loss:
| 6.0% | | |
| | |
|
Starting lender yield:
| 12.00% |
Starting borrower rate/APR:
| 13.00% / 15.56% |
Starting monthly payment:
| $70.76 |
|
Auction yield range:
| 5.89% - 12.00% |
Estimated loss impact:
| 6.15% | | |
Lender servicing fee:
| 1.00% |
Estimated return:
| 5.85% | | |
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10):
| 8 |
First credit line:
| May-1995 |
Debt/Income ratio:
| 31% |
Credit score:
| 740-759 (Aug-2010) |
Inquiries last 6m:
| 2 | Employment status: | Employed |
Now delinquent:
| 0 |
Current / open credit lines:
| 5
/
5 | Length of status: | 0y 2m |
Amount delinquent:
| $0 |
Total credit lines:
| 22 |
Occupation: | Nurse (RN) |
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $22,427 | Stated income: | $25,000-$49,999 |
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 33% | | |
| |
Homeownership:
| No | | |
Screen name:
| stable-social1 |
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
Paying off my CC debt!
Purpose of loan:
This loan will be used to pay off a couple of high APR credit cards that my wife and I share, in 3 years. Not 15!
My financial situation:
I am a good candidate for this loan because I have a solid credit history, with an equally solid history of paying on time. I'm a hard working man, just trying to make his money work for him in a more effective manner.
Monthly net income: $ 3675 (this is what my wife and I bring home after taxes)
Monthly expenses: $ 3160
??Housing: $ 1195
??Insurance: $ 200
??Car expenses: $ 150
??Utilities: $ 135
??Phone, cable, internet: $ 180
??Food, entertainment: $ 150
??Clothing, household expenses $ 150
??Credit cards and other loans: $ 850
??Other expenses: $ 150
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
472071
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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-1994 |
Debt/Income ratio:
| Self-employed (DTI Not Calculated) |
Credit score:
| 640-659 (Aug-2010) |
Inquiries last 6m:
| 4 | Employment status: | Self-employed |
Now delinquent:
| 0 |
Current / open credit lines:
| 3
/
3 | Length of status: | 13y 1m |
Amount delinquent:
| $0 |
Total credit lines:
| 7 |
Occupation: | Executive |
Public records last 12m / 10y:
| 0/ 2 |
Revolving credit balance:
| $0 | Stated income: | $100,000+ |
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 0% | | |
| |
Homeownership:
| No | | |
Screen name:
| wealth-oyster |
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
Grow My Business
Purpose of loan:
This loan will be used to expand into two additional locations.???
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
472199
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount:
| $10,000.00 |
Prosper Rating:
| B |
Auction Duration:
| 7 days
|
Term:
| 36 months |
Estimated loss:
| 6.0% | | |
| | |
|
Starting lender yield:
| 9.00% |
Starting borrower rate/APR:
| 10.00% / 12.11% |
Starting monthly payment:
| $322.67 |
|
Auction yield range:
| 5.89% - 9.00% |
Estimated loss impact:
| 6.09% | | |
Lender servicing fee:
| 1.00% |
Estimated return:
| 2.91% | | |
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10):
| 8 |
First credit line:
| May-1995 |
Debt/Income ratio:
| 21% |
Credit score:
| 760-779 (Aug-2010) |
Inquiries last 6m:
| 4 | Employment status: | Employed |
Now delinquent:
| 0 |
Current / open credit lines:
| 12
/
10 | Length of status: | 2y 0m |
Amount delinquent:
| $0 |
Total credit lines:
| 22 |
Occupation: | Pilot - Private/Com... |
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $15,115 | Stated income: | $75,000-$99,999 |
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 33% | | |
| |
Homeownership:
| Yes | | |
Screen name:
| blue-logical-money |
Borrower's state:
| California |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Description
Debt Consolidation
Objective:
I am trying to become debt free in the next three years.
Financial Situation:
I am a responsible individual, a hard worker, and financially
conservative.? I have been working in the aviation industry for twenty
years, and I am currently employed as a corporate pilot for a bank based
in northern California.? I have good credit with no history of late
payments, I own my own home, and I am working on paying off all of my
revolving debt over the next three years.
My wife and I were married in April of 2009, and when we combined our
financial lives, we had approximately $20,000 in revolving debt.? The
loan I am seeking will allow me to pay off the remaining balances on my
high interest credit cards and close the accounts we do not need.
Thank you for taking the time to consider funding this loan request.
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
472287
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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:
| 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:
| $112.17 |
|
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-1993 |
Debt/Income ratio:
| 13% |
Credit score:
| 640-659 (Aug-2010) |
Inquiries last 6m:
| 3 | Employment status: | Employed |
Now delinquent:
| 0 |
Current / open credit lines:
| 6
/
4 | Length of status: | 13y 10m |
Amount delinquent:
| $0 |
Total credit lines:
| 41 |
Occupation: | Computer Programmer |
Public records last 12m / 10y:
| 0/ 1 |
Revolving credit balance:
| $1,842 | Stated income: | $50,000-$74,999 |
Delinquencies in last 7y:
| 28 |
Bankcard utilization:
| 75% | | |
| |
Homeownership:
| No | | |
Screen name:
| organic-asset0 |
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
Paying off credit cards/est credit
Purpose of loan:
This loan will be used to pay off credit cards with small balances less than $1,000. I want to get away from credit cards and re-establish my credit.
My financial situation:
I am a good candidate for this loan because I've been employed with my current employer since 1996. I've lived in my home (buying) for 22+ years.
Monthly net income: $ $3,170
Monthly expenses: $
??Housing: $
560
??Insurance: $
80
??Car expenses: $
100???? car is paid for/no loan
??Utilities: $ 350
??Phone, cable, internet: $
200
??Food, entertainment: $
400
??Clothing, household expenses $
300
??Credit cards and other loans: $
400
??Other expenses: $
300
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
472293
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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:
| 9.8% | | |
| | |
|
Starting lender yield:
| 10.89% |
Starting borrower rate/APR:
| 11.89% / 15.12% |
Starting monthly payment:
| $99.49 |
|
Auction yield range:
| 10.89% - 10.89% |
Estimated loss impact:
| 10.03% | | |
Lender servicing fee:
| 1.00% |
Estimated return:
| 0.86% | | |
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10):
| 8 |
First credit line:
| Sep-2001 |
Debt/Income ratio:
| 17% |
Credit score:
| 640-659 (Aug-2010) |
Inquiries last 6m:
| 0 | Employment status: | Employed |
Now delinquent:
| 0 |
Current / open credit lines:
| 3
/
3 | Length of status: | 4y 1m |
Amount delinquent:
| $0 |
Total credit lines:
| 7 |
Occupation: | Administrative Assi... |
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $3,496 | Stated income: | $25,000-$49,999 |
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 92% | | |
| |
Homeownership:
| No | | |
Screen name:
| writery |
Borrower's state:
| California |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan history | Payment history | Credit score history |
Active / total loans:
| 1 / 2 |
On-time:
| 58 ( 100% )
| 640-659 (Latest)
|
Principal borrowed:
| $10,000.00 | < 31 days late:
| 0
( 0% )
| 680-699
(Feb-2008)
680-699
(May-2007)
680-699
(Apr-2007)
|
Principal balance:
| $818.17 |
31+ days late:
| 0
( 0% )
|
Total payments billed:
| 58 | | |
Description
All for One and One for All
Purpose of loan:
This small loan will be used for a short-term investment in a wonderful venture.
My financial situation:
I am a good candidate for this loan because I have an excellent job?and?can easily make the payments on time.? I'm very frugal.
Monthly net income: $ 2,850.00
Monthly expenses: $
??Housing: $ 1,050.00
??Insurance: $
??Car expenses: $
??Utilities: $?20.00
??Phone, cable, internet: $ 60.00
??Food, entertainment: $ 300.00
??Clothing, household expenses $
??Credit cards and other loans: $ 100.00
??Other expenses: $
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
472329
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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:
| AA |
Auction Duration:
| 7 days
|
Term:
| 36 months |
Estimated loss:
| 1.3% | | |
| | |
|
Starting lender yield:
| 6.85% |
Starting borrower rate/APR:
| 7.85% / 8.19% |
Starting monthly payment:
| $125.07 |
|
Auction yield range:
| 2.89% - 6.85% |
Estimated loss impact:
| 1.30% | | |
Lender servicing fee:
| 1.00% |
Estimated return:
| 5.55% | | |
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10):
| 10 |
First credit line:
| Jan-1981 |
Debt/Income ratio:
| 3% |
Credit score:
| 840-859 (Aug-2010) |
Inquiries last 6m:
| 1 | Employment status: | Employed |
Now delinquent:
| 0 |
Current / open credit lines:
| 7
/
7 | Length of status: | 5y 0m |
Amount delinquent:
| $0 |
Total credit lines:
| 23 |
Occupation: | Professional |
Public records last 12m / 10y:
| 0/ 1 |
Revolving credit balance:
| $3,312 | Stated income: | $75,000-$99,999 |
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 31% | | |
| |
Homeownership:
| Yes | | |
Screen name:
| WindyCityPrince |
Borrower's state:
| Illinois |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan history | Payment history | Credit score history |
Active / total loans:
| 0 / 1 |
On-time:
| 4 ( 100% )
| 840-859 (Latest)
|
Principal borrowed:
| $6,500.00 | < 31 days late:
| 0
( 0% )
| 680-699
(Jan-2007)
|
Principal balance:
| $0.00 |
31+ days late:
| 0
( 0% )
|
Total payments billed:
| 4 | | |
Description
Paying off medical bills
Purpose of loan:
This loan will be used to pay off unexpected medical bills related to sinus problems and allergies.?
My financial situation:
I am a good candidate for this loan because I have very little debt and a solid job / income.? I also have history of paying back on time with Prosper 3 years ago when my dog had a medical issue and required specialized treatment.
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
472335
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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:
| 29.00% |
Starting borrower rate/APR:
| 30.00% / 33.61% |
Starting monthly payment:
| $636.77 |
|
Auction yield range:
| 10.89% - 29.00% |
Estimated loss impact:
| 10.53% | | |
Lender servicing fee:
| 1.00% |
Estimated return:
| 18.47% | | |
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10):
| 7 |
First credit line:
| Jun-1985 |
Debt/Income ratio:
| 51% |
Credit score:
| 720-739 (Aug-2010) |
Inquiries last 6m:
| 1 | Employment status: | Employed |
Now delinquent:
| 0 |
Current / open credit lines:
| 11
/
11 | Length of status: | 4y 6m |
Amount delinquent:
| $0 |
Total credit lines:
| 25 |
Occupation: | Other |
Public records last 12m / 10y:
| 0/ 1 |
Revolving credit balance:
| $15,031 | Stated income: | $50,000-$74,999 |
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 42% | | |
| |
Homeownership:
| No | | |
Screen name:
| bigal99 |
Borrower's state:
| California |
Borrower's group:
| 1st and BEST for Loans |
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan history | Payment history | Credit score history |
Active / total loans:
| 1 / 3 |
On-time:
| 67 ( 100% )
| 720-739 (Latest)
|
Principal borrowed:
| $29,500.00 | < 31 days late:
| 0
( 0% )
| 640-659
(Feb-2008)
640-659
(Jun-2007)
620-639
(May-2007)
640-659
(Sep-2006)
|
Principal balance:
| $2,972.43 |
31+ days late:
| 0
( 0% )
|
Total payments billed:
| 67 | | |
Description
Paying off credit cards
Purpose of loan:
This loan will be used to?debt consolidation?
My financial situation:
I am a good candidate for this loan because? my payment is 100% on time and never miss any in my previous listing, You can check my history.
Monthly net income: $4750
Monthly expenses: $
??Housing: $ 1200
??Insurance: $
??Car expenses: $ 120
??Utilities: $ 80
??Phone, cable, internet: $?80
??Food, entertainment: $?800
??Clothing, household expenses $ 100
??Credit cards and other loans: $?WILL PAYOFF ALL?with this loan
??Other expenses: $
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
472339
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount:
| $3,500.00 |
Prosper Rating:
| HR |
Auction Duration:
| 7 days
|
Term:
| 36 months |
Estimated loss:
| 24.0% | | |
| | |
|
Starting lender yield:
| 34.00% |
Starting borrower rate/APR:
| 35.00% / 38.72% |
Starting monthly payment:
| $158.33 |
|
Auction yield range:
| 16.89% - 34.00% |
Estimated loss impact:
| 26.01% | | |
Lender servicing fee:
| 1.00% |
Estimated return:
| 7.99% | | |
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10):
| 3 |
First credit line:
| Jan-1994 |
Debt/Income ratio:
| 36% |
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: | 2y 3m |
Amount delinquent:
| $0 |
Total credit lines:
| 10 |
Occupation: | Professional |
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $1,472 | Stated income: | $25,000-$49,999 |
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 98% | | |
| |
Homeownership:
| No | | |
Screen name:
| melm_005 |
Borrower's state:
| Washington |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan history | Payment history | Credit score history |
Active / total loans:
| 1 / 1 |
On-time:
| 24 ( 100% )
| 660-679 (Latest)
|
Principal borrowed:
| $4,200.00 | < 31 days late:
| 0
( 0% )
| 620-639
(Jul-2008)
|
Principal balance:
| $1,602.02 |
31+ days late:
| 0
( 0% )
|
Total payments billed:
| 24 | | |
Description
2nd Prspr Ln...Nvr Late...LOW Risk
A BIG THANK YOU goes out to all the lenders who bid on my last listing! Your continued support is MUCH APPRECIATED. I am lowering my loan amount to aid in funding.????????? *********************************************************************************************************************************************************************
The reason I want this loan is to pay off my credit cards. The biggest problem with my credit profile (and likely the reason Prosper gave me a 3) is that my revolving credit in use is 98%. I only want to have one Prosper loan at a time. I plan on trying to get a lower rate in a future listing in a year or so when my Prosper Rating improves. I?d like to improve my overall credit rating.
My Credit Profile and Prosper account history speaks?for itself. I have a steady income and pay my bills on time......this is the reason I am a LOW credit risk.
Monthly net income: $ 1,740.00
Monthly expenses: $ 1316.00
??Housing: $ 370
??Insurance: $ 85
??Car expenses: $ 448
??Utilities: $ 53
??Phone, cable, internet: $ 60
??Food, entertainment: $?300??
??Credit cards and other loans: $ 189
??Retire Prosper Loan?? $-144
? Retire Credit Cards????$-45
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
472355
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount:
| $1,000.00 |
Prosper Rating:
| E |
Auction Duration:
| 7 days
|
Term:
| 36 months |
Estimated loss:
| 14.2% | | |
| | |
|
Starting lender yield:
| 33.35% |
Starting borrower rate/APR:
| 34.35% / 40.68% |
Starting monthly payment:
| $44.87 |
|
Auction yield range:
| 13.89% - 33.35% |
Estimated loss impact:
| 15.74% | | |
Lender servicing fee:
| 1.00% |
Estimated return:
| 17.61% | | |
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10):
| 5 |
First credit line:
| Aug-1994 |
Debt/Income ratio:
| 19% |
Credit score:
| 700-719 (Aug-2010) |
Inquiries last 6m:
| 0 | Employment status: | Employed |
Now delinquent:
| 1 |
Current / open credit lines:
| 17
/
16 | Length of status: | 22y 1m |
Amount delinquent:
| $0 |
Total credit lines:
| 30 |
Occupation: | Professional |
Public records last 12m / 10y:
| 0/ 1 |
Revolving credit balance:
| $12,183 | Stated income: | $50,000-$74,999 |
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 80% | | |
| |
Homeownership:
| Yes | | |
Screen name:
| careful-cash6 |
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
buystuffnot
Purpose of loan:
This loan will be used to?
My financial situation:
I am a good candidate for this loan because? look up my credit history I NOVER PAY LATE
Monthly net income: $ 2890
Monthly expenses: $
??Housing: $ 12100.oo?house pmt/taxes/insc
??Insurance: $ car 384 (6mon)
??Car expenses: $ normal oil car pd off
??Utilities: $
??Phone, cable, internet: $ 178 mon for all
??Food, entertainment: $
??Clothing, household expenses $
??Credit cards and other loans: $ 400.00
??Other expenses: $
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
472361
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount:
| $6,000.00 |
Prosper Rating:
| A |
Auction Duration:
| 7 days
|
Term:
| 36 months |
Estimated loss:
| 3.5% | | |
| | |
|
Starting lender yield:
| 10.15% |
Starting borrower rate/APR:
| 11.15% / 13.27% |
Starting monthly payment:
| $196.86 |
|
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:
| Feb-1988 |
Debt/Income ratio:
| 23% |
Credit score:
| 760-779 (Aug-2010) |
Inquiries last 6m:
| 0 | Employment status: | Employed |
Now delinquent:
| 0 |
Current / open credit lines:
| 11
/
11 | Length of status: | 20y 7m |
Amount delinquent:
| $0 |
Total credit lines:
| 21 |
Occupation: | Other |
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $15,215 | Stated income: | $25,000-$49,999 |
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 21% | | |
| |
Homeownership:
| No | | |
Screen name:
| trade-gravitas |
Borrower's state:
| NewYork |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Description
Paying off my credits
Purpose of loan:
This loan will be used to pay off my other credit card debts.
My financial situation:
I am a good candidate for this loan because I am hard working and seek to pay off my debt.? However, my current interest on my 2 other cards are too high and this loan would aid me immensely and paying off my debts.
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
472363
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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:
| 9.00% |
Starting borrower rate/APR:
| 10.00% / 13.19% |
Starting monthly payment:
| $484.01 |
|
Auction yield range:
| 7.89% - 9.00% |
Estimated loss impact:
| 8.88% | | |
Lender servicing fee:
| 1.00% |
Estimated return:
| 0.12% | | |
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10):
| 7 |
First credit line:
| Dec-1992 |
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
/
5 | Length of status: | 1y 2m |
Amount delinquent:
| $0 |
Total credit lines:
| 10 |
Occupation: | Investor |
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $795 | Stated income: | $75,000-$99,999 |
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 1% | | |
| |
Homeownership:
| No | | |
Screen name:
| sympathetic-marketplace9 |
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
I don't need money - Just for fun
Purpose of loan:
This loan will be used to make more money than the interest rate that I'm borrowing at. Interest rates are at historic lows and I'm confident in my ability to generate returns. I believe in transparency. I see no reason not to disclose my real name. I run my life like a business. You can find me on google by searching for "DoNotLose."
My financial situation:
I am a good candidate for this loan because I don't need the money. I want to reiterate that this is just something for me to do. I can say that you can even find me in SEC filings. This one for example: http://www.otcmarkets.com/edgar/GetFilingHtml?FilingID=6956915
I believe that you'll get better returns on me than in US Treasuries. Anyway, why is someone like me who doesn't need the money doing something like this? Well, I figure that people who like to invest in low risk situations are likely perusing this website as a form of entertainment --- empowering the success of others. I figure that not only will I make more money doing this than I would not doing it, but maybe a few of the people that decide that I'm worth funding may decide to follow me outside of debt financing.
If you like what you see, put your money where your mouth is and invest in me.
Monthly net income: $???
Monthly expenses: Total: $2000
??Housing: $1000
??Insurance: $
??Car expenses: $450
??Utilities: $100
??Phone, cable, internet: $50
??Food, entertainment: $500
??Clothing, household expenses $? I don't shop for clothes.
??Credit cards and other loans: $?
??Other expenses: $??
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
472369
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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:
| Nov-1993 |
Debt/Income ratio:
| 12% |
Credit score:
| 660-679 (Aug-2010) |
Inquiries last 6m:
| 0 | Employment status: | Employed |
Now delinquent:
| 0 |
Current / open credit lines:
| 3
/
3 | Length of status: | 8y 6m |
Amount delinquent:
| $0 |
Total credit lines:
| 12 |
Occupation: | Tradesman - Mechani... |
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $3,336 | Stated income: | $25,000-$49,999 |
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 101% | | |
| |
Homeownership:
| No | | |
Screen name:
| bold-gold-innovator |
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
Run into hard times, need some help
Purpose of loan:
This loan will be used?to help out with bills.
My financial situation:
I am a good candidate for this loan because I have the means to pay it back with interest ?
Monthly net income: $ 2600.00
Monthly expenses: $
??Housing: $ 650.00
??Insurance: $ 110.00
??Car expenses: $ 60.00
??Utilities: $ 300.00
??Phone, cable, internet: $ 100.00
??Food, entertainment: $ 200.00
??Clothing, household expenses $?250.00
??Credit cards and other loans: $ 300.00
??Other expenses: $
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
472381
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount:
| $1,000.00 |
Prosper Rating:
| HR |
Auction Duration:
| 7 days
|
Term:
| 36 months |
Estimated loss:
| 18.3% | | |
| | |
|
Starting lender yield:
| 34.00% |
Starting borrower rate/APR:
| 35.00% / 41.35% |
Starting monthly payment:
| $45.24 |
|
Auction yield range:
| 16.89% - 34.00% |
Estimated loss impact:
| 20.31% | | |
Lender servicing fee:
| 1.00% |
Estimated return:
| 13.69% | | |
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10):
| 4 |
First credit line:
| Dec-1996 |
Debt/Income ratio:
| 11% |
Credit score:
| 640-659 (Aug-2010) |
Inquiries last 6m:
| 3 | Employment status: | Employed |
Now delinquent:
| 4 |
Current / open credit lines:
| 4
/
4 | Length of status: | 6y 8m |
Amount delinquent:
| $3,921 |
Total credit lines:
| 24 |
Occupation: | Accountant/CPA |
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $372 | Stated income: | $50,000-$74,999 |
Delinquencies in last 7y:
| 12 |
Bankcard utilization:
| 7% | | |
| |
Homeownership:
| No | | |
Screen name:
| builder144 |
Borrower's state:
| California |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Description
school district emp. repaying debt
Purpose of loan:
This loan will be used to repay some high interest payday loans and? get out of the payday loan cycle.
My financial situation:
I am a good candidate for this loan because I hold a steady state government job in California. I have been with my current employer (a school district) for the past 7 years going strong. My household expenses are shared with my wife who holds a steady banking job. I believe I have the financial capacity to repay and look forward to getting out of the payday loan cycle and building a secure future for my family and self. Thanks in advance for your consideration.
Monthly net income: $ 4000
Monthly expenses: $ 400
??Housing: $1500
??Insurance: $40
??Car expenses: $200
??Utilities: $100
??Phone, cable, internet: $50
??Food, entertainment: $50
??Clothing, household expenses $200
??Credit cards and other loans: $100
??Other expenses: $150
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
472387
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount:
| $1,000.00 |
Prosper Rating:
| HR |
Auction Duration:
| 7 days
|
Term:
| 36 months |
Estimated loss:
| 18.3% | | |
| | |
|
Starting lender yield:
| 34.00% |
Starting borrower rate/APR:
| 35.00% / 41.35% |
Starting monthly payment:
| $45.24 |
|
Auction yield range:
| 16.89% - 34.00% |
Estimated loss impact:
| 20.31% | | |
Lender servicing fee:
| 1.00% |
Estimated return:
| 13.69% | | |
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10):
| 4 |
First credit line:
| Oct-1985 |
Debt/Income ratio:
| Not calculated |
Credit score:
| 680-699 (Aug-2010) |
Inquiries last 6m:
| 0 | Employment status: | Employed |
Now delinquent:
| 0 |
Current / open credit lines:
| 5
/
4 | Length of status: | 3y 1m |
Amount delinquent:
| $0 |
Total credit lines:
| 23 |
Occupation: | Administrative Assi... |
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $16,285 | Stated income: | $25,000-$49,999 |
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 101% | | |
| |
Homeownership:
| No | | |
Screen name:
| BFWoman |
Borrower's state:
| Louisiana |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Description
Purchase home computer
Purpose of loan:
Loan will be used to purchase a computer so that I can work at home while recuperating from surgery.? If I can work from home, I will receive my full salary while I'm on medical leave.
My financial situation:
I am a good candidate for this loan because I just got a $5000/year raise at work.?I also pay all my bills on time and I'm not behind on any payments.
Monthly net income: $ 2656
Monthly expenses: $
??Housing: $ 850
??Insurance: $ 25
??Car expenses: $ 0
??Utilities: $?0
??Phone, cable, internet: $ 210
??Food, entertainment: $ 150
??Clothing, household expenses $ 50
??Credit cards and other loans: $?500
??Other expenses: $ 150
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
472393
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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:
| 18.99% |
Starting borrower rate/APR:
| 19.99% / 23.38% |
Starting monthly payment:
| $222.95 |
|
Auction yield range:
| 10.89% - 18.99% |
Estimated loss impact:
| 11.25% | | |
Lender servicing fee:
| 1.00% |
Estimated return:
| 7.74% | | |
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper 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 outrageous 30% interest rates. I'm 35 and done with being materialistic. I need to save for my retirement. Getting rid of this minor debt will certainly help. My credit rating does reflect a bankruptcy which was the result of being?laid off from work and then jobless for 9 months. I?have?now been a Pharmacy Technician for 7 years and am doing very well. Although I have racked up this "small" amount of debt, within the last 2-3 years I have been very serious in trying to get rid of it. The card companies just inflate their interest rates and make it really hard to see the light at the end of the tunnel.? Thank you for time and consideration!
Monthly net income: $ 2560
Monthly expenses: $
??Housing: $600
??Insurance: $100????
??Car expenses: $440?
??Utilities: $600
??Phone, cable, internet: $200
??Food, entertainment: $300
??Clothing, household, & other?expenses: $120
??Credit cards?& other loans: $200
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
472397
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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:
| May-2002 |
Debt/Income ratio:
| 13% |
Credit score:
| 700-719 (Aug-2010) |
Inquiries last 6m:
| 3 | Employment status: | Employed |
Now delinquent:
| 0 |
Current / open credit lines:
| 8
/
8 | Length of status: | 6y 8m |
Amount delinquent:
| $0 |
Total credit lines:
| 15 |
Occupation: | Other |
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $10,394 | Stated income: | $50,000-$74,999 |
Delinquencies in last 7y:
| 3 |
Bankcard utilization:
| 58% | | |
| |
Homeownership:
| No | | |
Screen name:
| surfer5 |
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?pay off credit cards which were used to furnish the new apartment my husband and?I moved into as my husband kids from previous marriage moved in with us and we are expecting our 1st in december 2010.?
My financial situation:
I am a good candidate for this loan because?
i have no deliquency on file, I pay my bills on time, have been in my job for over 6years and everyone deserves a chance to prove they are trustworthy and if given the chance, I wont dissappoint.
Monthly net income: $ 2810
Monthly expenses: $
??Housing: $ 1650
??Insurance: $
??Car expenses: $
??Utilities: $
??Phone, cable, internet: $
??Food, entertainment: $ 280
??Clothing, household expenses $
??Credit cards and other loans: $ 480
??Other expenses: $
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
472403
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount:
| $10,000.00 |
Prosper Rating:
| C |
Auction Duration:
| 7 days
|
Term:
| 36 months |
Estimated loss:
| 8.7% | | |
| | |
|
Starting lender yield:
| 22.65% |
Starting borrower rate/APR:
| 23.65% / 27.12% |
Starting monthly payment:
| $390.49 |
|
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):
| 6 |
First credit line:
| Oct-1983 |
Debt/Income ratio:
| 23% |
Credit score:
| 800-819 (Aug-2010) |
Inquiries last 6m:
| 4 | Employment status: | Employed |
Now delinquent:
| 0 |
Current / open credit lines:
| 10
/
8 | Length of status: | 4y 4m |
Amount delinquent:
| $0 |
Total credit lines:
| 28 |
Occupation: | Sales - Commission |
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $6,404 | Stated income: | $50,000-$74,999 |
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 24% | | |
| |
Homeownership:
| Yes | | |
Screen name:
| p2pelstiltskin6 |
Borrower's state:
| California |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Description
paying off my credit cards
Purpose of loan:
This loan will be used to? pay off bills
My financial situation:
I am a good candidate for this loan because? I have a a postal retirement and great credit score , and a good job.
Monthly net income: $ 5000.00????
Monthly expenses: $
??Housing: $ 862.00
??Insurance: $ 50.00
??Car expenses: $ 0
??Utilities: $ 0Phone, cable, internet: $ 0
??Food, entertainment: $ 300.00
??Clothing, household expenses $ 75.00
??Credit cards and other loans: $ 300.00
??Other expenses: $ 0
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
472407
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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):
| 6 |
First credit line:
| Oct-1995 |
Debt/Income ratio:
| 34% |
Credit score:
| 700-719 (Aug-2010) |
Inquiries last 6m:
| 0 | Employment status: | Employed |
Now delinquent:
| 0 |
Current / open credit lines:
| 7
/
6 | Length of status: | 3y 2m |
Amount delinquent:
| $0 |
Total credit lines:
| 24 |
Occupation: | Professional |
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $9,265 | Stated income: | $25,000-$49,999 |
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 98% | | |
| |
Homeownership:
| No | | |
Screen name:
| agreement-geyser |
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 for Grad School
Purpose of loan:
This loan will be used to?
Pay for Graduate School tution.? I am almost finished!
My financial situation:
I am a good candidate for this loan because?
I always pay my bills on time.? My husband helps to pay for the bills listed below, but his income is not included because the loan is for me.? I see higher paying jobs available, which I meet all of the qualifications, except I do not have my masters degree.??
Monthly net income: $ 3,987
Monthly expenses: $
??Housing: $ 1100
??Insurance: $ 75
??Car expenses: $
??Utilities: $
??Phone, cable, internet: $ 100
??Food, entertainment: $
??Clothing, household expenses $
??Credit cards and other loans: $ 800
??Other expenses: $
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
472409
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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):
| 5 |
First credit line:
| May-1988 |
Debt/Income ratio:
| 15% |
Credit score:
| 640-659 (Aug-2010) |
Inquiries last 6m:
| 3 | Employment status: | Employed |
Now delinquent:
| 5 |
Current / open credit lines:
| 5
/
5 | Length of status: | 23y 0m |
Amount delinquent:
| $3,066 |
Total credit lines:
| 33 |
Occupation: | Professional |
Public records last 12m / 10y:
| 0/ 3 |
Revolving credit balance:
| $3,417 | Stated income: | $75,000-$99,999 |
Delinquencies in last 7y:
| 26 |
Bankcard utilization:
| 70% | | |
| |
Homeownership:
| Yes | | |
Screen name:
| principal-encore |
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
Last Step in Debt Consolidation
Purpose of loan:
This loan will be used to consolidate debt into one single payment.
My financial situation:
I've successfully paid off a lot of debt and am simply looking to consolidate miscellaneous debt into one single payment.
Monthly net income: $ 5,000
Monthly expenses: $
??Housing: $ 1119.21
??Insurance: $ 165.00
??Car expenses: $ 610.00
??Utilities: $ 275.00
??Phone, cable, internet: $ 105.00
??Food, entertainment: $ 290.00
??Clothing, household expenses $ 200.00
??Credit cards and other loans: $ 394.00
??Other expenses: $ None
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
472415
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount:
| $4,000.00 |
Prosper Rating:
| B |
Auction Duration:
| 7 days
|
Term:
| 36 months |
Estimated loss:
| 5.0% | | |
| | |
|
Starting lender yield:
| 5.89% |
Starting borrower rate/APR:
| 6.89% / 8.96% |
Starting monthly payment:
| $123.31 |
|
Auction yield range:
| 5.89% - 5.89% |
Estimated loss impact:
| 5.03% | | |
Lender servicing fee:
| 1.00% |
Estimated return:
| 0.86% | | |
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10):
| 8 |
First credit line:
| Dec-1992 |
Debt/Income ratio:
| 30% |
Credit score:
| 760-779 (Aug-2010) |
Inquiries last 6m:
| 0 | Employment status: | Employed |
Now delinquent:
| 0 |
Current / open credit lines:
| 12
/
12 | Length of status: | 11y 3m |
Amount delinquent:
| $0 |
Total credit lines:
| 36 |
Occupation: | Military Enlisted |
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $42,699 | Stated income: | $25,000-$49,999 |
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 54% | | |
| |
Homeownership:
| Yes | | |
Screen name:
| mobius_titan |
Borrower's state:
| Virginia |
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:
| 1 / 1 |
On-time:
| 11 ( 100% )
| 760-779 (Latest)
|
Principal borrowed:
| $1,000.00 | < 31 days late:
| 0
( 0% )
| 780-799
(Aug-2009)
|
Principal balance:
| $709.91 |
31+ days late:
| 0
( 0% )
|
Total payments billed:
| 11 | | |
Description
Loan # 2 Investing Again
Purpose of loan:
As I did with the previous Prosper loan, I will invest this money back into Prosper. I have had good success with the previous loan and plan to continue with this success. I currently have 110 loans funded with no late accounts. Also, so that both the Lender and I can maximize our ROI, I will be paying this loan off over the full 36 month period.
My financial situation:
I am a good candidate for this loan because I have a solid career in the Navy, with 11 years of continuous active duty service. As can be seen by my previous loan, I am reliable with my payments. I have moved my budgeting from the Quicken Online system to the new Mint.com, so I can continue managing my budget. I expect to be promoted in the next year, as I missed this last promotion by less than 2 points. If I get promoted, that would be about $500/mo more income.
Monthly net income: $ 4500
Monthly expenses:
Housing: $ 2000/mo (includes mortgage, insurance, home repairs)??
Insurance: $31(Dental but held out of paycheck), Free medical through military??
Car expenses: $175/mo (11 months left); Gas: $160/mo; Insurance: $230/mo??
Utilities: $ 125/mo (gas, electric and sanitation)??
Phone, cable, internet: $150/mo (cable & internet); $275/mo (phone)??
Food, entertainment: $ 300 (groceries); $100-$150 (eating out/ entertainment)??
Credit cards and other loans: $ 29.97/mo (Prosper, paid completely from Prosper loans); $400-$600/mo (credit cards)??
Other expenses: $200/mo (child care during school year)
Additional Assets: $4000+ in savings; ?$2000 in P2P loans (Lending Club)
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
472423
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount:
| $1,000.00 |
Prosper Rating:
| HR |
Auction Duration:
| 7 days
|
Term:
| 36 months |
Estimated loss:
| 36.6% | | |
| | |
|
Starting lender yield:
| 34.00% |
Starting borrower rate/APR:
| 35.00% / 41.35% |
Starting monthly payment:
| $45.24 |
|
Auction yield range:
| 16.89% - 34.00% |
Estimated loss impact:
| 38.61% | | |
Lender servicing fee:
| 1.00% |
Estimated return:
| -4.61% | | |
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10):
| 1 |
First credit line:
| May-1994 |
Debt/Income ratio:
| Not calculated |
Credit score:
| 700-719 (Jul-2010) |
Inquiries last 6m:
| 2 | Employment status: | Employed |
Now delinquent:
| 0 |
Current / open credit lines:
| 9
/
8 | Length of status: | 5y 10m |
Amount delinquent:
| $0 |
Total credit lines:
| 28 |
Occupation: | Laborer |
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $12,150 | Stated income: | $25,000-$49,999 |
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 96% | | |
| |
Homeownership:
| Yes | | |
Screen name:
| hmack04 |
Borrower's state:
| Colorado |
Borrower's group:
| Debt Consolidators |
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Description
New tires and brakes Toyota 4runner
Purpose of loan:
Tires and brakes on my 2004 toyota 4runner. With school starting and new braces on my son
I need this loan for tires and brakes. my monthly loan payment for this loan will be $46.00 a month.
This loan was already fully funded, but Checking account through prosper wasnt verified.
I thought they had all my information, because they didnt loan was canceled.
My financial situation:
Both my husband an I have full time jobs, own our home
Monthly net income: $ 3500.00 +
Monthly expenses: $
??Housing: $?1100.00
??Insurance: $ 140.00
??Car expenses: $ 200.00
??Utilities: $ 200.00
??Phone, cable, internet: $ 100.00
??Food, entertainment: $ 300.00
??Clothing, household expenses $ 200.00
??Credit cards and other loans: $ 200.00
??Other expenses: $ 150.00
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
472425
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount:
| $2,500.00 |
Prosper Rating:
| D |
Auction Duration:
| 7 days
|
Term:
| 36 months |
Estimated loss:
| 10.8% | | |
| | |
|
Starting lender yield:
| 26.50% |
Starting borrower rate/APR:
| 27.50% / 31.05% |
Starting monthly payment:
| $102.73 |
|
Auction yield range:
| 10.89% - 26.50% |
Estimated loss impact:
| 11.46% | | |
Lender servicing fee:
| 1.00% |
Estimated return:
| 15.04% | | |
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10):
| 8 |
First credit line:
| Oct-1989 |
Debt/Income ratio:
| 16% |
Credit score:
| 660-679 (Aug-2010) |
Inquiries last 6m:
| 0 | Employment status: | Employed |
Now delinquent:
| 1 |
Current / open credit lines:
| 17
/
11 | Length of status: | 4y 3m |
Amount delinquent:
| $44 |
Total credit lines:
| 35 |
Occupation: | Accountant/CPA |
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $7,468 | Stated income: | $75,000-$99,999 |
Delinquencies in last 7y:
| 48 |
Bankcard utilization:
| 27% | | |
| |
Homeownership:
| No | | |
Screen name:
| watcher3 |
Borrower's state:
| Tennessee |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Description
Bill Consolidation
Purpose of loan:
This loan will be used to pay off several credit card bills.
This will help get my debts reduced and improve cash flow and my credit score.
My financial situation:
I am a good candidate for this loan because I always pay my bills on time.? The payments on this loan will be much less than the monthly payments I am now making.???I have decided to become more aggressive on debt elimination and this loan will greatly help.? ?I anticipate repaying this loan in full within the next six months if not sooner.? Just prior to starting my current job, about 4 yrs ago, I was unemployed for 5 months due to company shut down.? That is where my delinquincies in the past 7 years comes from.? I am not now delinquent on any bills.? For some reason, Prosper is showing that I do not own my home.? I purchased my home 18 years ago and I am still living in it.? I believe that the Prosper rating may not be as high as it should be because of this misinformation.?
Monthly net income: $ 9,333
Monthly expenses: $
??Housing: $ 1,450
??Insurance: $ 200
??Car expenses: $ 600
??Utilities: $?300
??Phone, cable, internet: $ 200
??Food, entertainment: $ 700
??Clothing, household expenses $ 700
??Credit cards and other loans: $?1300
??Other expenses: $ 800
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
472433
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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):
| 8 |
First credit line:
| Sep-1993 |
Debt/Income ratio:
| 14% |
Credit score:
| 640-659 (Aug-2010) |
Inquiries last 6m:
| 0 | Employment status: | Employed |
Now delinquent:
| 5 |
Current / open credit lines:
| 4
/
4 | Length of status: | 3y 7m |
Amount delinquent:
| $21,428 |
Total credit lines:
| 27 |
Occupation: | Construction |
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $15,392 | Stated income: | $50,000-$74,999 |
Delinquencies in last 7y:
| 28 |
Bankcard utilization:
| 49% | | |
| |
Homeownership:
| Yes | | |
Screen name:
| interest-poblano1 |
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
Inventory For the High Season
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
472441
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount:
| $2,000.00 |
Prosper Rating:
| HR |
Auction Duration:
| 7 days
|
Term:
| 36 months |
Estimated loss:
| 24.0% | | |
| | |
|
Starting lender yield:
| 34.00% |
Starting borrower rate/APR:
| 35.00% / 38.72% |
Starting monthly payment:
| $90.47 |
|
Auction yield range:
| 16.89% - 34.00% |
Estimated loss impact:
| 26.01% | | |
Lender servicing fee:
| 1.00% |
Estimated return:
| 7.99% | | |
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10):
| 3 |
First credit line:
| 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
472443
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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:
| 14.00% |
Starting borrower rate/APR:
| 15.00% / 18.29% |
Starting monthly payment:
| $519.98 |
|
Auction yield range:
| 10.89% - 14.00% |
Estimated loss impact:
| 11.11% | | |
Lender servicing fee:
| 1.00% |
Estimated return:
| 2.89% | | |
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10):
| 7 |
First credit line:
| Sep-1988 |
Debt/Income ratio:
| 28% |
Credit score:
| 760-779 (Aug-2010) |
Inquiries last 6m:
| 0 | Employment status: | Employed |
Now delinquent:
| 1 |
Current / open credit lines:
| 4
/
4 | Length of status: | 5y 0m |
Amount delinquent:
| $931 |
Total credit lines:
| 17 |
Occupation: | Administrative Assi... |
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $3,193 | Stated income: | $25,000-$49,999 |
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 63% | | |
| |
Homeownership:
| Yes | | |
Screen name:
| dinero-competitor |
Borrower's state:
| Missouri |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Description
Debt consolidation
Purpose of loan:
This loan will be used to?pay off smaller loans that need to be consolidated.?
My financial situation:
I am a good candidate for this loan because?I?am a good worker and?am wanting to consolidate my smaller loans with one payment that can be directly withdrawn from my checking account each month on payday.?????
Monthly net income: $
3,600
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
472447
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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:
| 9.8% | | |
| | |
|
Starting lender yield:
| 24.75% |
Starting borrower rate/APR:
| 25.75% / 29.26% |
Starting monthly payment:
| $240.95 |
|
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:
| Nov-1977 |
Debt/Income ratio:
| 42% |
Credit score:
| 700-719 (Jul-2010) |
Inquiries last 6m:
| 0 | Employment status: | Employed |
Now delinquent:
| 0 |
Current / open credit lines:
| 28
/
27 | Length of status: | 12y 6m |
Amount delinquent:
| $0 |
Total credit lines:
| 71 |
Occupation: | Executive |
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $27,566 | Stated income: | $100,000+ |
Delinquencies in last 7y:
| 1 |
Bankcard utilization:
| 69% | | |
| |
Homeownership:
| Yes | | |
Screen name:
| bazaar-paradise744 |
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:
| 22 ( 100% )
| 700-719 (Latest)
|
Principal borrowed:
| $10,000.00 | < 31 days late:
| 0
( 0% )
| 660-679
(Sep-2008)
|
Principal balance:
| $5,083.54 |
31+ days late:
| 0
( 0% )
|
Total payments billed:
| 22 | | |
Description
Home repairs - downsizing
Purpose of loan:
This loan will be used for badly needed home repairs (roof and paint). Housing market beginning to move in this area. Kids have graduated form college, youngest daughter getting married and its time to downsize to reduce overall expenses.
My financial situation:
I am a good candidate for this loan because my financial position continues to improve. I have lived in the Memphis, TN area
all my life. Current home for the past 12 years.? I have been with my
company in the finance department for 12 years. I am certified in my
field and have never been unemployed. My wife is a kindergarten
teacher and has taught for the past 18 years. Both jobs remain stable. My Son is working on his Masters
Degree and my youngest daughter has recently graduated from college and will begin working on her Masters.? I am committed to paying
all of my obligations on time and have reduced expenses in order to
repay this loan within the terms stated. My company is having a very good year. Year ends 10/31/10 and we are on track for bonuses. One auto loan will be paid off in four months. I have been paying down debt as evidenced by improved credit score.
Monthly net income: $
6,050
Monthly expenses: $
4,090
??Housing: $
2,165
??Insurance: $
325
??Car expenses: $
80
??Utilities: $
235
??Phone, cable, internet: $85
??Food, entertainment: $
80
??Clothing, household expenses $60
??Credit cards and other loans: $
900
??Other expenses: $
160
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
472451
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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:
| 23.00% |
Starting borrower rate/APR:
| 24.00% / 27.48% |
Starting monthly payment:
| $294.25 |
|
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):
| 7 |
First credit line:
| Feb-1983 |
Debt/Income ratio:
| 12% |
Credit score:
| 660-679 (Aug-2010) |
Inquiries last 6m:
| 0 | Employment status: | Employed |
Now delinquent:
| 0 |
Current / open credit lines:
| 3
/
3 | Length of status: | 3y 2m |
Amount delinquent:
| $0 |
Total credit lines:
| 10 |
Occupation: | Construction |
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $940 | Stated income: | $75,000-$99,999 |
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 0% | | |
| |
Homeownership:
| Yes | | |
Screen name:
| equitable-currency2 |
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
Renovating a home
Purpose of loan:
This loan will be used to?
We have a house free and clear and we need to renovate
My financial situation:
I am a good candidate for this loan because?
I have another piece of property that is paid off
Monthly net income: $
$6,200
Monthly expenses: $
??Housing: $2000
??Insurance: $200
??Car expenses: $none
??Utilities: $ 200
??Phone, cable, internet: $ 100
??Food, entertainment: $ 400
??Clothing, household expenses $75
??Credit cards and other loans: $150
??Other expenses: $
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
472453
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount:
| $5,000.00 |
Prosper Rating:
| HR |
Auction Duration:
| 7 days
|
Term:
| 36 months |
Estimated loss:
| 24.0% | | |
| | |
|
Starting lender yield:
| 17.00% |
Starting borrower rate/APR:
| 18.00% / 21.35% |
Starting monthly payment:
| $180.76 |
|
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):
| 3 |
First credit line:
| Mar-1992 |
Debt/Income ratio:
| 31% |
Credit score:
| 620-639 (Aug-2010) |
Inquiries last 6m:
| 2 | Employment status: | Employed |
Now delinquent:
| 1 |
Current / open credit lines:
| 9
/
8 | Length of status: | 8y 0m |
Amount delinquent:
| $591 |
Total credit lines:
| 39 |
Occupation: | Teacher |
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $2,068 | Stated income: | $50,000-$74,999 |
Delinquencies in last 7y:
| 7 |
Bankcard utilization:
| 34% | | |
| |
Homeownership:
| Yes | | |
Screen name:
| Taycar6 |
Borrower's state:
| Ohio |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan history | Payment history | Credit score history |
Active / total loans:
| 0 / 1 |
On-time:
| 14 ( 37% )
| 620-639 (Latest)
|
Principal borrowed:
| $9,195.00 | < 31 days late:
| 22
( 58% )
| 640-659
(Nov-2007)
700-719
(May-2007)
|
Principal balance:
| $0.00 |
31+ days late:
| 2
( 5% )
|
Total payments billed:
| 38 | | |
Description
Need Help Again
Purpose of loan: (Debt Consolidation?$6,000)?
My financial situation:
I realize my credit rating has dropped but my DTI has decreased to (31%)? Both my wife and I will be contributing to paying off this loan.? My wife and I are both teacher's and I am an assistant football coach at a?high school?in Ohio (my gross income has increased $7000 per year since accepting this position).??We have 5?kids - 23,?11, 10, and twin boys 6. We will be using the money for debt consolidation.??We appreciate you taking the time to consider us as possible loan candidates.? We just paid off our first Prosper loan that was over a $9,000 loan and looking for a smaller one this time, hopefully tour payoff history?will help our chances getting another loan.
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
472459
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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:
| Sep-1985 |
Debt/Income ratio:
| Self-employed (DTI Not Calculated) |
Credit score:
| 640-659 (Aug-2010) |
Inquiries last 6m:
| 4 | Employment status: | Self-employed |
Now delinquent:
| 2 |
Current / open credit lines:
| 23
/
22 | Length of status: | 4y 8m |
Amount delinquent:
| $316 |
Total credit lines:
| 46 |
Occupation: | Other |
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $23,250 | Stated income: | $100,000+ |
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 54% | | |
| |
Homeownership:
| No | | |
Screen name:
| enterprising-responsibility7 |
Borrower's state:
| Louisiana |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Description
cash flow & debt pay off
Purpose of loan:
This loan will be used to?
My financial situation:
I am a good candidate for this loan because?
Monthly net income: $ 4000 personal
Monthly expenses: $
??Housing: $?0.00
??Insurance: $ 109
??Car expenses: $ 500
??Utilities: $ 250
??Phone, cable, internet: $ 75
??Food, entertainment: $ 200
??Clothing, household expenses $ 150
??Credit cards and other loans: $ 300
??Other expenses: $
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
472471
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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:
| Sep-1998 |
Debt/Income ratio:
| 7% |
Credit score:
| 840-859 (Aug-2010) |
Inquiries last 6m:
| 1 | Employment status: | Employed |
Now delinquent:
| 0 |
Current / open credit lines:
| 6
/
4 | Length of status: | 4y 11m |
Amount delinquent:
| $0 |
Total credit lines:
| 11 |
Occupation: | Analyst |
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $1,006 | Stated income: | $75,000-$99,999 |
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 4% | | |
| |
Homeownership:
| Yes | | |
Screen name:
| finance-spruce |
Borrower's state:
| Utah |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Description
Buying A Business Promissory Note
Purpose of loan: To purchase a business backed promissory note at a discount.
This loan will be used to fund the purchase of a business and personally secured promissory note at a discounted rate.
The face value of the note is $100K for sale to me for $50K (the current owner of the debt needs a surgical procedure but is uninsured). The note is backed by a concrete restoration company he sold last year as well as the new owners personal credit (very good credit profile). The interest on the note itself is 12% annually.
My financial situation: is excellent. However, to take advantage of this opportunity I need more funding.I am a good candidate for this loan because I value my own credit and will pay it back regardless. It is also a fantastic deal financially for me but it is not without risk. I've done my due diligence and the underlying company (whose debt I intend to buy), is performing well.
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
472481
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount:
| $1,000.00 |
Prosper Rating:
| D |
Auction Duration:
| 7 days
|
Term:
| 36 months |
Estimated loss:
| 9.8% | | |
| | |
|
Starting lender yield:
| 24.75% |
Starting borrower rate/APR:
| 25.75% / 31.75% |
Starting monthly payment:
| $40.16 |
|
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:
| Sep-1993 |
Debt/Income ratio:
| 3% |
Credit score:
| 740-759 (Aug-2010) |
Inquiries last 6m:
| 0 | Employment status: | Employed |
Now delinquent:
| 0 |
Current / open credit lines:
| 2
/
1 | Length of status: | 7y 0m |
Amount delinquent:
| $0 |
Total credit lines:
| 17 |
Occupation: | Clerical |
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $0 | Stated income: | $25,000-$49,999 |
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 0% | | |
| |
Homeownership:
| No | | |
Screen name:
| Rowandoll |
Borrower's state:
| Illinois |
Borrower's group:
| 440+ Supporting Lenders. Get FUNDED @ LOWER % than ANY group |
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan history | Payment history | Credit score history |
Active / total loans:
| 0 / 3 |
On-time:
| 49 ( 100% )
| 740-759 (Latest)
|
Principal borrowed:
| $13,800.00 | < 31 days late:
| 0
( 0% )
| 760-779
(Nov-2009)
700-719
(Nov-2007)
660-679
(Jul-2006)
660-679
(Jun-2006)
|
Principal balance:
| $0.01 |
31+ days late:
| 0
( 0% )
|
Total payments billed:
| 49 | | |
Description
Jobseeker trip
Purpose of loan:
Ensure a stable base of operations while I go job hunting in San Francisco. With the completion of my BA, I'm looking for new opportunities, and am taking a week to explore my options.
My financial situation:
I've paid off 3 prosper loans in full. Over the past 5 years, I've brought my credit score to the mid-700's, and only have my student loan as debt. I've been in my job for over 7 years, and will remain there if I cannot find new and better work. I have a clean credit history, both with prosper and elsewhere.
Monthly net income: $ 2200
Monthly expenses: $
??Housing: $ 500
??Insurance: $ No car insurance
??Car expenses: $ No car
??Utilities: $?110
??Phone, cable, internet: $?300
??Food, entertainment: $ 300
??Clothing, household expenses $ 200
??Credit cards and other loans: $33,700 ?Student Loan. Payments begin 3/11
??Other expenses: $
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
471954
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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:
| 10.89% |
Starting borrower rate/APR:
| 11.89% / 15.12% |
Starting monthly payment:
| $248.71 |
|
Auction yield range:
| 10.89% - 10.89% |
Estimated loss impact:
| 11.03% | | |
Lender servicing fee:
| 1.00% |
Estimated return:
| -0.14% | | |
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10):
| 5 |
First credit line:
| Jun-1994 |
Debt/Income ratio:
| 40% |
Credit score:
| 840-859 (Aug-2010) |
Inquiries last 6m:
| 0 | Employment status: | Employed |
Now delinquent:
| 0 |
Current / open credit lines:
| 6
/
4 | Length of status: | 0y 10m |
Amount delinquent:
| $0 |
Total credit lines:
| 11 |
Occupation: | Other |
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $0 | Stated income: | $25,000-$49,999 |
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 0% | | |
| |
Homeownership:
| Yes | | |
Screen name:
| bison946 |
Borrower's state:
| Louisiana |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Description
Business Funding Needed
Purpose of loan:
This loan will be used for business purposes.
My financial situation:
I am a?great candidate for this loan because I have always paid my bills on time as you can see it is reflected in my credit score.? I only have monthly expenses for daycare.? I will use the loan for marketing opportunties in my new business, nutritional supplements endorsed by a local pro athlete.? About me:? I am 37 years old and moved back to my home town of New Orleans, Louisiana last September after?5 years in San Diego, California.? I am currently in an entry level position with an employee benefits company but I have 15 years experience in Operations.? My last position paid me $65,000 and you can see that by my W-2's.? My last job I was responsible for the operations of a medical device company with headquarters in Seoul, Korea.? I have travelled to Cape Town, Athens, Paris, Munich and other major international?cities promoting company products.? I made a sacrifice financially when I moved back to New Orleans, but it is?was worth it to have my 2 year old son be around his family.? I look forward to your response and thank you for your consideration.
Monthly net income: $ 2200
Monthly expenses: $
??Housing: $?
??Insurance: $
??Car expenses: $
??Utilities: $
??Phone, cable, internet: $
??Food, entertainment: $
??Clothing, household expenses $
??Credit cards and other loans: $
??Other expenses: $ 580 (daycare)
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
472290
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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:
| 12.00% |
Starting borrower rate/APR:
| 13.00% / 15.14% |
Starting monthly payment:
| $505.41 |
|
Auction yield range:
| 5.89% - 12.00% |
Estimated loss impact:
| 6.15% | | |
Lender servicing fee:
| 1.00% |
Estimated return:
| 5.85% | | |
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10):
| 8 |
First credit line:
| Apr-1988 |
Debt/Income ratio:
| 14% |
Credit score:
| 760-779 (Aug-2010) |
Inquiries last 6m:
| 0 | Employment status: | Employed |
Now delinquent:
| 0 |
Current / open credit lines:
| 8
/
6 | Length of status: | 11y 10m |
Amount delinquent:
| $0 |
Total credit lines:
| 37 |
Occupation: | Executive |
Public records last 12m / 10y:
| 0/ 3 |
Revolving credit balance:
| $1,638 | Stated income: | $100,000+ |
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 0% | | |
| |
Homeownership:
| No | | |
Screen name:
| established-fairness1 |
Borrower's state:
| California |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Description
Paying off my credit cards
Purpose of loan:
This loan will be used to pay off a high interest Bank of America Gold Option's Loan
My financial situation:
I am a good candidate for this loan because I have turned my credit score around and have been successfully paying all of my bills on time for?the last several years.??Looking to improve my financial situation.?
Monthly net income: $ 6500
Monthly expenses: $
??Housing: $ 1250
??Insurance: $ 162
??Car expenses: $ 0
??Utilities: $ 65
??Phone, cable, internet: $ 140
??Food, entertainment: $
??Clothing, household expenses $
??Credit cards and other loans: $ 900
??Other expenses: $
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
472296
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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:
| 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:
| 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-1997 |
Debt/Income ratio:
| 31% |
Credit score:
| 620-639 (Aug-2010) |
Inquiries last 6m:
| 4 | Employment status: | Employed |
Now delinquent:
| 1 |
Current / open credit lines:
| 11
/
11 | Length of status: | 14y 0m |
Amount delinquent:
| $2,029 |
Total credit lines:
| 38 |
Occupation: | Computer Programmer |
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $11,944 | Stated income: | $50,000-$74,999 |
Delinquencies in last 7y:
| 4 |
Bankcard utilization:
| 68% | | |
| |
Homeownership:
| Yes | | |
Screen name:
| lijjosunray |
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 / 2 |
On-time:
| 16 ( 100% )
| 620-639 (Latest)
|
Principal borrowed:
| $10,500.00 | < 31 days late:
| 0
( 0% )
| 640-659
(Sep-2008)
640-659
(Nov-2007)
|
Principal balance:
| $0.01 |
31+ days late:
| 0
( 0% )
|
Total payments billed:
| 16 | | |
Description
Personal Loan for Debt Consolidatio
Purpose of loan:
This loan will be used to? consolidate some high interest loans that I had to borrow to cover some unexpected expenses to cover medical emergencies in my family.? I am in need of roughly 3000.00 to close out all outstanding debts to get back on track.
My financial situation:
I am a good candidate for this loan because? I have a very stable job (16 years +) and I made a very decent income.? I have had 2 loans with PROSPER and I have paid them off both on time.? I currently need around $3000.00 to pay off some outstanding (high interest) debts/loans.
During the recent economic downturn, my wif lost her job and we lost a big source of income.? She ran out of unemployment benefits but she hasn't found a job yet.? She is currently going to school to get retrained and hopefully find a job soon.? In the meantime (past year and a half), I have been doing my best to pay all the bills etc. We downsized our lifstyle - moving to an apartment and selling our extra car etc to get our expenses under control... however, unfortunately early this year (feb) we had a HUGE medical emergecny (sister-in-law) and we had to visit our them out of state ... this put a strain on our budget and piled up some extra debt... I used some payday loan advances to (big mistake) make ends meet during this time.. I want to pay it off and use the PROSPER loan to make my monthly payments more managable.
Monthly net income: $ 3791
Monthly expenses: $ 3618
??Housing: $ 1018
??Insurance: $ 360
??Car expenses: $500?
??Utilities: $ 150
??Phone, cable, internet: $ 90
??Food, entertainment: $ 500
??Clothing, household expenses $ 100
??Credit cards and other loans: $ 900
??Other expenses: $
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
472320
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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:
| 13.95% |
Starting borrower rate/APR:
| 14.95% / 18.24% |
Starting monthly payment:
| $519.61 |
|
Auction yield range:
| 10.89% - 13.95% |
Estimated loss impact:
| 11.11% | | |
Lender servicing fee:
| 1.00% |
Estimated return:
| 2.84% | | |
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should 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-1991 |
Debt/Income ratio:
| Self-employed (DTI Not Calculated) |
Credit score:
| 800-819 (Aug-2010) |
Inquiries last 6m:
| 0 | Employment status: | Self-employed |
Now delinquent:
| 0 |
Current / open credit lines:
| 15
/
13 | Length of status: | 17y 10m |
Amount delinquent:
| $0 |
Total credit lines:
| 46 |
Occupation: | Tradesman - Mechani... |
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $19,620 | Stated income: | $75,000-$99,999 |
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 42% | | |
| |
Homeownership:
| Yes | | |
Screen name:
| bold-organized-duty1 |
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
please help ..needed..new equipment
Purpose of loan:
This loan will be used to? new floor equipment
My financial situation:
I am a good candidate for this loan because? 18 years in this business...keep my employees no need for layoffs in this ecconomy!!!!!
Monthly net income: $ 9000
Monthly expenses: $
??Housing: $ 2200
??Insurance: $ 244
??Utilities: $ 195
??Phone, cabl195e, internet: $ 155
??Food, entertainment: $446
??Clothing, household expenses $225
??Credit cards and other loans: $ 445
??Other expenses: $ 129
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
472336
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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:
| 24.00% |
Starting borrower rate/APR:
| 25.00% / 28.50% |
Starting monthly payment:
| $198.80 |
|
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):
| 4 |
First credit line:
| Jun-2005 |
Debt/Income ratio:
| 27% |
Credit score:
| 660-679 (Aug-2010) |
Inquiries last 6m:
| 1 | Employment status: | Employed |
Now delinquent:
| 0 |
Current / open credit lines:
| 2
/
2 | Length of status: | 2y 5m |
Amount delinquent:
| $0 |
Total credit lines:
| 11 |
Occupation: | Sales - Retail |
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $0 | Stated income: | $1-$24,999 |
Delinquencies in last 7y:
| 6 |
Bankcard utilization:
| 0% | | |
| |
Homeownership:
| No | | |
Screen name:
| Thyui |
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 / 2 |
On-time:
| 49 ( 100% )
| 660-679 (Latest)
|
Principal borrowed:
| $13,400.00 | < 31 days late:
| 0
( 0% )
| 640-659
(Jan-2008)
680-699
(May-2007)
|
Principal balance:
| $0.00 |
31+ days late:
| 0
( 0% )
|
Total payments billed:
| 49 | | |
Description
Business Loan Easy Investment 100%
Purpose of Loan
I'm apply for a business loan of $5000. I plan to pay it off in a few months. It's a new online venture that i want to pursue.A Little About Me
I'm currently working part time at Walgreens but this minimum wage is just not cutting it for me. So i've been working on online internet marketing for 8 months and have successfully been able to get my income to $1500 a month which sits equal to my income that i would work if i did at my job full time. And so I need a bit of capital to start this new venture to help me eventually change my life.
Plan of Action
I have joined a joint partnership with a good friend. We have a business plan to start a new venture to market a type of service in which we have researched to be profitable and also know of the awesome market that is available to this niche. We have a business plan set in motion. We have a website going up. We have a market plan which we will follow after we get a bit of startup capital to pay for servers and marketing.WHY CHOOSE ME? (100% EASY INVESTMENT)
1. Debt to Income Ratio is 0. I have no credit cards, balances, or loans owned to anyone or anything.
2. I have a job that can cover the loan.
3. I have borrowed over $13,000 from Prosper. They have both been paid off
4. I have a 100% 49/49 SUCCESSFUL ONTIME payments to prosper. This should give me a huge amount of trust.
5. And best of all I am business minded and 100% motivated and concentrated on making money
Financial Situation
I'm currently working 3 days a week which amounts to $240 a week or $960 a month.Bills
Phone Bill $50
Internet Bill $50
Rest goes to Prosper Loan
Should be able to pay this loan off in a few months
This is an easy 100% safe investment. Thanks. Help me achieve my dream of financial independence and not having to deal with a boss.
-Jon
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
472352
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount:
| $4,800.00 |
Prosper Rating:
| HR |
Auction Duration:
| 7 days
|
Term:
| 36 months |
Estimated loss:
| 36.6% | | |
| | |
|
Starting lender yield:
| 30.90% |
Starting borrower rate/APR:
| 31.90% / 35.55% |
Starting monthly payment:
| $208.79 |
|
Auction yield range:
| 16.89% - 30.90% |
Estimated loss impact:
| 38.41% | | |
Lender servicing fee:
| 1.00% |
Estimated return:
| -7.51% | | |
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10):
| 1 |
First credit line:
| Feb-1975 |
Debt/Income ratio:
| 105% |
Credit score:
| 760-779 (Aug-2010) |
Inquiries last 6m:
| 5 | Employment status: | Employed |
Now delinquent:
| 0 |
Current / open credit lines:
| 30
/
28 | Length of status: | 0y 5m |
Amount delinquent:
| $0 |
Total credit lines:
| 96 |
Occupation: | Other |
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $87,124 | Stated income: | $25,000-$49,999 |
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 94% | | |
| |
Homeownership:
| Yes | | |
Screen name:
| ponchita |
Borrower's state:
| Arizona |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan history | Payment history | Credit score history |
Active / total loans:
| 0 / 1 |
On-time:
| 1 ( 100% )
| 760-779 (Latest)
|
Principal borrowed:
| $5,000.00 | < 31 days late:
| 0
( 0% )
| 760-779
(Jul-2010)
780-799
(Jun-2010)
780-799
(May-2010)
780-799
(Mar-2010)
|
Principal balance:
| $0.00 |
31+ days late:
| 0
( 0% )
|
Total payments billed:
| 1 | | |
Description
Emergency Due To Death in Family
Purpose of loan:
I withdrew my listing to resubmitt to give you more information.
I have just had an unexpected tragic death in my immediate family.?
My son has passed away and I need this loan to pay funeral expenses.
He was a young man and did not have life insurance so I am in need
of this loan to take care of some of the expenses.? I am devistated by
this tragedy and needing extra cash is just more devistation at this
time.
My financial situation:
This request really is an emergency.? I hope you can understand how pressing this request is.
I have an excellent credit history.? I have no late payments and a very good credit score.? I would
not fault on this loan.? Thank you for your consideration.
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
472354
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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:
| 11.00% |
Starting borrower rate/APR:
| 12.00% / 14.13% |
Starting monthly payment:
| $498.21 |
|
Auction yield range:
| 5.89% - 11.00% |
Estimated loss impact:
| 6.13% | | |
Lender servicing fee:
| 1.00% |
Estimated return:
| 4.87% | | |
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10):
| 8 |
First credit line:
| Jul-1998 |
Debt/Income ratio:
| 34% |
Credit score:
| 740-759 (Aug-2010) |
Inquiries last 6m:
| 1 | Employment status: | Employed |
Now delinquent:
| 0 |
Current / open credit lines:
| 14
/
13 | Length of status: | 4y 3m |
Amount delinquent:
| $0 |
Total credit lines:
| 27 |
Occupation: | Sales - Commission |
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $18,650 | Stated income: | $50,000-$74,999 |
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 37% | | |
| |
Homeownership:
| Yes | | |
Screen name:
| wise-discrete-responsibility |
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 my credit cards
Purpose of loan:
This loan will be used to consolidate all of my credit card debt into one easy monthly payment and have it gone from my life in 3 years!! I would like to get this debt paid off and behind me. I have always paid my payments on time and more than the minimums, but to know that in 3 years it would be totally gone would be a great feeling!!
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
472358
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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:
| 19.00% |
Starting borrower rate/APR:
| 20.00% / 23.39% |
Starting monthly payment:
| $557.45 |
|
Auction yield range:
| 10.89% - 19.00% |
Estimated loss impact:
| 11.25% | | |
Lender servicing fee:
| 1.00% |
Estimated return:
| 7.75% | | |
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10):
| 7 |
First credit line:
| Dec-1993 |
Debt/Income ratio:
| 35% |
Credit score:
| 740-759 (Aug-2010) |
Inquiries last 6m:
| 1 | Employment status: | Employed |
Now delinquent:
| 1 |
Current / open credit lines:
| 6
/
6 | Length of status: | 11y 2m |
Amount delinquent:
| $512 |
Total credit lines:
| 12 |
Occupation: | Food Service |
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $18,058 | Stated income: | $25,000-$49,999 |
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 45% | | |
| |
Homeownership:
| Yes | | |
Screen name:
| penny-bandit0 |
Borrower's state:
| Illinois |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Description
Funding needed for our daycare.
Purpose of loan:
This loan will be used to?
Newly established, full service childcare facility is seeking additional capital to assist in tenant improvement fees and start-up costs. We have secured a location. Lease payments are being made monthly, employees have been hired and await training, supplies are ready to be purchased and parents are anticipating opening day. Our target market is waiting to be tapped.They?ve told us what was needed, when they need it and how they want it. We?re ready to deliver! This business will create several jobs, help the local economy and provide a much needed service?on the?Chicago Northside. We have a business plan and we can provide additional information when contacted. If you're in the Chicago area, we can show you the location.Thank you for your time and interest!
My financial situation:
I am a good candidate for this loan because? Good credit
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
472366
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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:
| 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:
| $153.04 |
|
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):
| 8 |
First credit line:
| Apr-1998 |
Debt/Income ratio:
| 23% |
Credit score:
| 740-759 (Aug-2010) |
Inquiries last 6m:
| 0 | Employment status: | Employed |
Now delinquent:
| 0 |
Current / open credit lines:
| 12
/
8 | Length of status: | 1y 6m |
Amount delinquent:
| $0 |
Total credit lines:
| 39 |
Occupation: | Other |
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $12,266 | Stated income: | $50,000-$74,999 |
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 52% | | |
| |
Homeownership:
| Yes | | |
Screen name:
| mk92802 |
Borrower's state:
| Wisconsin |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan history | Payment history | Credit score history |
Active / total loans:
| 0 / 1 |
On-time:
| 10 ( 100% )
| 740-759 (Latest)
|
Principal borrowed:
| $2,000.00 | < 31 days late:
| 0
( 0% )
| 720-739
(Apr-2007)
|
Principal balance:
| $0.00 |
31+ days late:
| 0
( 0% )
|
Total payments billed:
| 10 | | |
Description
Consolidate Credit Cards
Purpose of loan:
I'm just looking to consolidate a few bills and make them one payment.?
My financial situation:
I pay my bills and take pride in that fact. My wife and I are both employed with stable jobs, and are both salaried employees her as a director at a assisted living facility and I as a sanitation supervisor at a cheese factory. ? My income has increased pretty well over the last 2-3 years.? This would be my second loan that I have had through prosper with the first being a loan to buy old telephones.? I still have some extra income from the phones and they have been payed for a long time now.
My monthly budget:
Mortgage/rent: $550
Insurance: $150
Car expenses: $280
Utilities: $200
Phone, cable, internet: $150
Food, entertainment: $200
Clothing, household expenses $150
Credit cards and other loan payments: $300
Other expenses: $200
---------------------------------------
Total monthly expenses: $2200
total monthly income:$ 4400(from jobs)
extra monthly income other sources:300
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
472388
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount:
| $4,000.00 |
Prosper Rating:
| E |
Auction Duration:
| 7 days
|
Term:
| 36 months |
Estimated loss:
| 14.2% | | |
| | |
|
Starting lender yield:
| 27.99% |
Starting borrower rate/APR:
| 28.99% / 32.58% |
Starting monthly payment:
| $167.60 |
|
Auction yield range:
| 13.89% - 27.99% |
Estimated loss impact:
| 15.48% | | |
Lender servicing fee:
| 1.00% |
Estimated return:
| 12.51% | | |
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10):
| 5 |
First credit line:
| Jul-1991 |
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:
| 4
/
4 | Length of status: | 9y 10m |
Amount delinquent:
| $0 |
Total credit lines:
| 11 |
Occupation: | Professional |
Public records last 12m / 10y:
| 0/ 1 |
Revolving credit balance:
| $12,475 | Stated income: | $75,000-$99,999 |
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 80% | | |
| |
Homeownership:
| No | | |
Screen name:
| uppereastsidenyc |
Borrower's state:
| NewYork |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan history | Payment history | Credit score history |
Active / total loans:
| 0 / 1 |
On-time:
| 9 ( 100% )
| 700-719 (Latest)
|
Principal borrowed:
| $9,999.00 | < 31 days late:
| 0
( 0% )
| 660-679
(Mar-2007)
|
Principal balance:
| $0.01 |
31+ days late:
| 0
( 0% )
|
Total payments billed:
| 9 | | |
Description
Furnish new apartment
Purpose of loan:Hello everyone, I was forced to move into a new apartment due to renovations in my old building so I am looking for a little help to get it furnished and clean it up.
My financial situation:
I am a good candidate for this loan because this is my 2nd loan from prosper, I paid the 1st one back immediately as I will this one.
I make great money at work and I always pay my bills on time.
Monthly net income: $
$7,000
Monthly expenses: $
??Housing: $ 1,400
??Insurance: $? Soon to come maybe<<, if I get this loan.
??Car expenses: $
Soon to come, if I get this loan.
??Utilities: $ 100
??Phone, cable, internet: $
200
??Food, entertainment: $
400
??Clothing, household expenses $
100
??Credit cards and other loans: $
400
??Other expenses: $
50
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
472390
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount:
| $2,500.00 |
Prosper Rating:
| D |
Auction Duration:
| 7 days
|
Term:
| 36 months |
Estimated loss:
| 9.8% | | |
| | |
|
Starting lender yield:
| 24.75% |
Starting borrower rate/APR:
| 25.75% / 29.26% |
Starting monthly payment:
| $100.39 |
|
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:
| Nov-1999 |
Debt/Income ratio:
| 6% |
Credit score:
| 640-659 (Aug-2010) |
Inquiries last 6m:
| 1 | Employment status: | Employed |
Now delinquent:
| 0 |
Current / open credit lines:
| 5
/
5 | Length of status: | 16y 1m |
Amount delinquent:
| $0 |
Total credit lines:
| 9 |
Occupation: | Other |
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $2,081 | Stated income: | $25,000-$49,999 |
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 81% | | |
| |
Homeownership:
| No | | |
Screen name:
| Ibanez411 |
Borrower's state:
| Michigan |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan history | Payment history | Credit score history |
Active / total loans:
| 1 / 1 |
On-time:
| 32 ( 100% )
| 640-659 (Latest)
|
Principal borrowed:
| $1,200.00 | < 31 days late:
| 0
( 0% )
| 620-639
(Mar-2010)
660-679
(Dec-2007)
|
Principal balance:
| $158.93 |
31+ days late:
| 0
( 0% )
|
Total payments billed:
| 32 | | |
Description
pay off credit cards
Purpose of loan:
This loan will be used to? to pay off credit cards
My financial situation:
I am a good candidate for this loan because? because I pay everything on time.?
Monthly net income: $ 3592
Monthly expenses: $
??Housing: $ 770
??Insurance: $ 110
??Car expenses: $ 322
??Utilities: $ 150
??Phone, cable, internet: $ 153
??Food, entertainment: $?600
??Clothing, household expenses $ 0
??Credit cards and other loans: $?300
??Other expenses: $ 0
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
472398
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount:
| $5,000.00 |
Prosper Rating:
| HR |
Auction Duration:
| 7 days
|
Term:
| 36 months |
Estimated loss:
| 24.0% | | |
| | |
|
Starting lender yield:
| 34.00% |
Starting borrower rate/APR:
| 35.00% / 38.72% |
Starting monthly payment:
| $226.18 |
|
Auction yield range:
| 16.89% - 34.00% |
Estimated loss impact:
| 26.01% | | |
Lender servicing fee:
| 1.00% |
Estimated return:
| 7.99% | | |
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10):
| 2 |
First credit line:
| Sep-2000 |
Debt/Income ratio:
| Not calculated |
Credit score:
| 680-699 (Aug-2010) |
Inquiries last 6m:
| 3 | Employment status: | Not employed |
Now delinquent:
| 0 |
Current / open credit lines:
| 7
/
6 | Length of status: | 3y 2m |
Amount delinquent:
| $0 |
Total credit lines:
| 14 | Stated income: | Not employed |
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $11,290 | |
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 71% | | |
| |
Homeownership:
| No | | |
Screen name:
| excellent-velocity0 |
Borrower's state:
| Kentucky |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Description
Paying bills and going on vacation
Purpose of loan:
This loan will be used to? Pay bills and go on family vacation.
My financial situation:
I am a good candidate for this loan because? I have a good source of income from my wife.
Monthly net income: $ 3200
Monthly expenses: $
??Housing: $ 222
??Insurance: $ 60
??Car expenses: $ 0
??Utilities: $ 150
??Phone, cable, internet: $ 125
??Food, entertainment: $ 250
??Clothing, household expenses $ 50
??Credit cards and other loans: $ 200
??Other expenses: $ 0
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
472400
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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:
| Apr-2004 |
Debt/Income ratio:
| 18% |
Credit score:
| 720-739 (Aug-2010) |
Inquiries last 6m:
| 1 | Employment status: | Employed |
Now delinquent:
| 0 |
Current / open credit lines:
| 6
/
6 | Length of status: | 4y 1m |
Amount delinquent:
| $0 |
Total credit lines:
| 11 |
Occupation: | Sales - Retail |
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $3,516 | Stated income: | $25,000-$49,999 |
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 35% | | |
| |
Homeownership:
| No | | |
Screen name:
| glowing-market958 |
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
college books and credit cards
Purpose of loan:
This loan will be used to? help pay for college books and a few credit cards that would like to get rid off
My financial situation: have great credit score and have never had a late payment on anything.
I am a good candidate for this loan because? im a responsible young man that just needs a little help this semester at school. i always pay what i owe.
Monthly net income: $ 2300
Monthly expenses: $ 350
??Housing: $0
??Insurance: $100
??Car expenses: $225
??Utilities: $0
??Phone, cable, internet: $0
??Food, entertainment: $200
??Clothing, household expenses $50
??Credit cards and other loans: $350
??Other expenses: $
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
472402
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount:
| $4,000.00 |
Prosper Rating:
| D |
Auction Duration:
| 7 days
|
Term:
| 36 months |
Estimated loss:
| 10.8% | | |
| | |
|
Starting lender yield:
| 32.50% |
Starting borrower rate/APR:
| 33.50% / 37.19% |
Starting monthly payment:
| $177.56 |
|
Auction yield range:
| 10.89% - 32.50% |
Estimated loss impact:
| 11.63% | | |
Lender servicing fee:
| 1.00% |
Estimated return:
| 20.87% | | |
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10):
| 7 |
First credit line:
| Jan-1990 |
Debt/Income ratio:
| 11% |
Credit score:
| 640-659 (Aug-2010) |
Inquiries last 6m:
| 2 | Employment status: | Employed |
Now delinquent:
| 0 |
Current / open credit lines:
| 7
/
6 | Length of status: | 2y 11m |
Amount delinquent:
| $0 |
Total credit lines:
| 23 |
Occupation: | Nurse (RN) |
Public records last 12m / 10y:
| 0/ 1 |
Revolving credit balance:
| $7,397 | Stated income: | $100,000+ |
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 62% | | |
| |
Homeownership:
| Yes | | |
Screen name:
| tender-benefit1 |
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
Weight Loss Surgery
Purpose of loan:
This loan will be used to?pay for the balance of weight loss surgery to be performed on October 18th, 2010.? I will be contributing over half of the expenses associated with the surgery from my take-home pay and have already arranged airfare and paid for numerous after-surgery/recovery-related expenses.???? I have a 2-week paid leave of absence from my work for this time period, so I will not have a loss of income during my recovery.
My financial situation:
I am a good candidate for this loan because?I have a good income in a steady career.? While I've been at my current employer for just under 3 years, I have been a Registered Nurse for 24 years.? As someone who is used to taking care of other people, I'm now dedicated to improving my own overall health and this surgery would play an important part in that.? In the past few years, I have spent a considerable amount of time serving as a Mentor to new Nurses and hope to be able to continue to do that for the next 10-15 years of my career.? Being in the best health possible would help me do this.?
I have contributed to a Flexible Spending Account (FSA) at my workplace throughout this year.? The FSA has a balance of $4,800.00 and this amount will be reimbursed to me after completing my surgery.? I will use the Flexible Spending Account funds to pay off one of my credit cards (which will improve my credit rating) so taking out this loan will not add further debt to my financial picture.
Because obtaining this surgery is so important to me, I have opted for a higher interest rate of 32.5%.? Over the life of the loan, the additional cost will be $474.48 (above the recommended Prosper interest rate of 27.5%).?? This equates to an additional cost of only $13.18 per month out of pocket.? I feel this is literally a small price to pay for the benefits to my health from obtaining this surgery.
It's very important to me to keep my Prosper.com loan in good standing
because I would like to be able to utilize the program again to update
my home after paying for this surgery.?
Thanks for viewing and funding my request.
Monthly net income: $
4800
Monthly expenses (TOTAL): $ 2920
? Housing: $ 1100 (includes insurance and property taxes)
? Insurance (Auto): $ 120
? Car & fuel expenses: $ 600
? Utilities: $ 100
? Phone, cable, internet: $ 100
? Food, entertainment: $ 300
? Clothing, household expenses $ 100
? Credit cards and other loans: $ 300
? Other expenses: $ 200
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
472404
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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. Also had 3 car loans over? the years ( lease and finance) and i always pay on-time. with this loan i will have plenty of room to save more money and no more headaches with credit cards high rates just one payment every month
Monthly net income: $2300
Monthly expenses: $
??Housing: $
0 leave with parents
??Insurance: $
170
??Car expenses: $ 400
??Utilities: $
0
??Phone, cable, internet: $
130
??Food, entertainment: $
100
??Clothing, household expenses $
0
??Credit cards and other loans: $
400
??Other expenses: $
0
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
472406
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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:
| 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:
| $156.32 |
|
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:
| Mar-1985 |
Debt/Income ratio:
| 0% |
Credit score:
| 720-739 (Aug-2010) |
Inquiries last 6m:
| 0 | Employment status: | Other |
Now delinquent:
| 0 |
Current / open credit lines:
| 4
/
4 | Length of status: | 4y 2m |
Amount delinquent:
| $0 |
Total credit lines:
| 9 | Stated income: | $100,000+ |
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $5,528 | |
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 99% | | |
| |
Homeownership:
| Yes | | |
Screen name:
| funds-taxi7 |
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
nashvilleringtones.com web business
Purpose of loan:
This loan will be used?for startup of web business selling ringtone. I own nashvilleringtones.com and am building the web site now.?
My financial situation:
I am a good candidate for this loan because?I have a good credit rating and the profits from this business should grow swiftly, I will be using mobile marketing with this web site.?
Monthly net income: $ 1900.00
Monthly expenses: $
??Housing: $ 425.00
??Insurance: $60.00
??Car expenses: $ 20.00
??Utilities: $ 100.00
??Phone, cable, internet: $45.00
??Food, entertainment: $ 200.00
??Clothing, household expenses $ 50.00
??Credit cards and other loans: $ 50.00
??Other expenses: $
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
472410
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount:
| $7,500.00 |
Prosper Rating:
| HR |
Auction Duration:
| 7 days
|
Term:
| 36 months |
Estimated loss:
| 24.0% | | |
| | |
|
Starting lender yield:
| 34.00% |
Starting borrower rate/APR:
| 35.00% / 38.72% |
Starting monthly payment:
| $339.27 |
|
Auction yield range:
| 16.89% - 34.00% |
Estimated loss impact:
| 26.01% | | |
Lender servicing fee:
| 1.00% |
Estimated return:
| 7.99% | | |
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10):
| 2 |
First credit line:
| Sep-1996 |
Debt/Income ratio:
| Self-employed (DTI Not Calculated) |
Credit score:
| 740-759 (Aug-2010) |
Inquiries last 6m:
| 2 | Employment status: | Self-employed |
Now delinquent:
| 0 |
Current / open credit lines:
| 9
/
8 | Length of status: | 3y 6m |
Amount delinquent:
| $0 |
Total credit lines:
| 37 |
Occupation: | Landscaping |
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $2,384 | Stated income: | $50,000-$74,999 |
Delinquencies in last 7y:
| 3 |
Bankcard utilization:
| 20% | | |
| |
Homeownership:
| No | | |
Screen name:
| dedicated-benefit1 |
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
Business Expansion
Purpose of loan:
This loan will be used to expand my landscaping business????????
My financial situation:
I am a good candidate for this loan because I will have the ability to repay this loan very quickly due to the extra income that it will provide.
Monthly net income: $ 4,500.00
Monthly expenses: $
??Housing: $ 1750.00
??Insurance: $ 200.00
??Car expenses: $ 550.00
??Utilities: $ 100.00
??Phone, cable, internet: $ 140.00?
??Food, entertainment: $ 500.00
??Clothing, household expenses $ 200.00
??Credit cards and other loans: $ 300.00
??Other expenses: $
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
472412
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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:
| 10.15% |
Starting borrower rate/APR:
| 11.15% / 13.27% |
Starting monthly payment:
| $246.07 |
|
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-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
472416
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount:
| $3,200.00 |
Prosper Rating:
| D |
Auction Duration:
| 7 days
|
Term:
| 36 months |
Estimated loss:
| 9.8% | | |
| | |
|
Starting lender yield:
| 10.89% |
Starting borrower rate/APR:
| 11.89% / 15.12% |
Starting monthly payment:
| $106.12 |
|
Auction yield range:
| 10.89% - 10.89% |
Estimated loss impact:
| 10.03% | | |
Lender servicing fee:
| 1.00% |
Estimated return:
| 0.86% | | |
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10):
| 7 |
First credit line:
| Feb-1991 |
Debt/Income ratio:
| 20% |
Credit score:
| 700-719 (Aug-2010) |
Inquiries last 6m:
| 0 | Employment status: | Employed |
Now delinquent:
| 0 |
Current / open credit lines:
| 5
/
2 | Length of status: | 2y 7m |
Amount delinquent:
| $0 |
Total credit lines:
| 16 |
Occupation: | Professional |
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $16,769 | Stated income: | $50,000-$74,999 |
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 83% | | |
| |
Homeownership:
| Yes | | |
Screen name:
| arkadofbabylon |
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:
| 27 ( 100% )
| 700-719 (Latest)
|
Principal borrowed:
| $1,500.00 | < 31 days late:
| 0
( 0% )
| 720-739
(Apr-2008)
|
Principal balance:
| $0.05 |
31+ days late:
| 0
( 0% )
|
Total payments billed:
| 27 | | |
Description
Debt Consolidation
Purpose of loan:
This loan will be used to pay off a high interest credit card. Every card I have?ever had has been?below 9%, except for one, which remains at 19.74%. I am requesting this loan so I can be rid of this high rate credit card and pay my interest to a community of people versus a faceless institution. All of my credit cards are closed and I am?currently paying off all of the remaining balances.
My financial situation:
I am a good candidate for this loan because I have had a prior prosper loan that was paid in full as agreed. I also am steadily employed in a career path?that I have worked in for over 8 years.
Monthly net income: $3800
Monthly expenses: $ 1995
??Housing: $ 400
??Insurance: $ 50
??Car expenses: $ 60
??Utilities: $0
??Phone, cable, internet: $ 65
??Food, entertainment: $ 400
??Clothing, household expenses $ 50
??Credit cards and other loans: $ 920
??Other expenses: $ 100
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
472420
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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):
| 7 |
First credit line:
| May-1994 |
Debt/Income ratio:
| 57% |
Credit score:
| 680-699 (Aug-2010) |
Inquiries last 6m:
| 1 | Employment status: | Employed |
Now delinquent:
| 0 |
Current / open credit lines:
| 22
/
19 | Length of status: | 15y 3m |
Amount delinquent:
| $0 |
Total credit lines:
| 54 |
Occupation: | Retail Management |
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $57,420 | Stated income: | $25,000-$49,999 |
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 61% | | |
| |
Homeownership:
| No | | |
Screen name:
| payout-chief |
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 cedit 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
472422
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount:
| $1,500.00 |
Prosper Rating:
| HR |
Auction Duration:
| 7 days
|
Term:
| 36 months |
Estimated loss:
| 18.3% | | |
| | |
|
Starting lender yield:
| 34.00% |
Starting borrower rate/APR:
| 35.00% / 39.15% |
Starting monthly payment:
| $67.85 |
|
Auction yield range:
| 16.89% - 34.00% |
Estimated loss impact:
| 20.31% | | |
Lender servicing fee:
| 1.00% |
Estimated return:
| 13.69% | | |
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10):
| 4 |
First credit line:
| Jun-2006 |
Debt/Income ratio:
| 10% |
Credit score:
| 700-719 (Aug-2010) |
Inquiries last 6m:
| 1 | Employment status: | Employed |
Now delinquent:
| 1 |
Current / open credit lines:
| 5
/
4 | Length of status: | 1y 9m |
Amount delinquent:
| $147 |
Total credit lines:
| 6 |
Occupation: | Professional |
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $0 | Stated income: | $1-$24,999 |
Delinquencies in last 7y:
| 2 |
Bankcard utilization:
| 0% | | |
| |
Homeownership:
| No | | |
Screen name:
| point-heart5 |
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
Minor Repairs for house
Purpose of loan:
This loan will be used to repair carpet, and paint?walls?
My financial situation:
I am a good candidate for this loan because I am employed full-time
Monthly net income: $ 1,980
Monthly expenses: $
??Housing: $ 325
??Insurance: $?48
??Car expenses: $100
??Utilities: $ 100
??Phone, cable, internet: $ 50
??Food, entertainment: $ 50
??Clothing, household expenses $ 75
??Credit cards and other loans: $ 0
??Other expenses: $ 0
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
472424
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount:
| $2,000.00 |
Prosper Rating:
| D |
Auction Duration:
| 7 days
|
Term:
| 36 months |
Estimated loss:
| 10.8% | | |
| | |
|
Starting lender yield:
| 26.50% |
Starting borrower rate/APR:
| 27.50% / 31.05% |
Starting monthly payment:
| $82.19 |
|
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:
| Sep-1992 |
Debt/Income ratio:
| 72% |
Credit score:
| 740-759 (Aug-2010) |
Inquiries last 6m:
| 1 | Employment status: | Employed |
Now delinquent:
| 0 |
Current / open credit lines:
| 15
/
13 | Length of status: | 15y 11m |
Amount delinquent:
| $0 |
Total credit lines:
| 29 |
Occupation: | Administrative Assi... |
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $7,596 | Stated income: | $25,000-$49,999 |
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 43% | | |
| |
Homeownership:
| Yes | | |
Screen name:
| handy-deal4 |
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
Pay off my credit cards
Purpose of loan:
This loan will be used to?
My financial situation:
I am a good candidate for this loan because?
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
472426
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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
Loan Needed Til Big Contract Signed
Purpose of loan:
My?company, HonorBib LLC, launched in June 2010 and I am on the verge of bringing in some serious revenue. I am requesting a loan to help me through the next two months until my product, HonorBib,?is?featured in SHAPE Magazine in October. Also, I am in final negotiations with Susan G. Komen for the Cure? on a huge program for them that will roll out to hundreds of thousands of their supporters. I am also in final talks with the Alzheimer?s Assoc. to provide HonorBibs to hundreds of thousands of their Memory Walk participants. I also just signed up The Leukemia & Lymphoma Society? as an HonorBib? partner to provide HonorBibs to the thousands of Team In Training and Light The Night Walk participants. This loan will be used to pay for business expenses incurred by retaining a lawyer for contract negotiations. Part of the money will also be used to pay for personal expenses to support my two children, such as rent and school expenses. Thank you SO much for your support!
Check out HonorBibs? featured on 9News!
My financial situation:
I am a good candidate for this loan because I am a fiscally responsible person and plan to pay this loan back within months of receiving it. Don?t be alarmed by the credit score or my Prosper score. Prior to starting HonorBib LLC in June 2009, I owned my own PR company and had a credit score around 775. The only the reason why my credit score has decreased in the last year is because I used personal credit cards to obtain the capital needed to launch HonorBib LLC.
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
472432
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount:
| $6,500.00 |
Prosper Rating:
| HR |
Auction Duration:
| 7 days
|
Term:
| 36 months |
Estimated loss:
| 24.0% | | |
| | |
|
Starting lender yield:
| 34.00% |
Starting borrower rate/APR:
| 36.00% / 39.75% |
Starting monthly payment:
| $297.72 |
|
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:
| 28% |
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
Company In Need of Peers Help!
Our Drug Testing business is growing and we need the loan
to accommodate the growth. We just signed
a contract with a company that has 331 locations nationwide.My financial situation is stable and strong. I pay my
bills on time and I pay credit cards/loans off ahead of schedule. I do not understand why Prosper has my
rating as a 2 because I have a good credit score. The total credit lines section listed above has also
changed because I paid off 2 of my creditors last week.
Monthly net income: $ 2776.00
Monthly expenses:
?
Housing: $ 0.00 (live with parents)
??Insurance: $ 120.00
??Car expenses: $ 350.00
??Utilities: $ 0.00
??Phone, cable, internet: $ 0.00
??Food, entertainment: $ 75.00
??Clothing, household expenses $ 75.00
??Credit cards and other loans: $ 200.00
??Other expenses: $ 100.00 (I give my parents to help out around the
house)If you have any other questions, feel free to ask.
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
472442
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount:
| $25,000.00 |
Prosper Rating:
| AA |
Auction Duration:
| 7 days
|
Term:
| 36 months |
Estimated loss:
| 1.6% | | |
| | |
|
Starting lender yield:
| 6.95% |
Starting borrower rate/APR:
| 7.95% / 8.29% |
Starting monthly payment:
| $782.83 |
|
Auction yield range:
| 2.89% - 6.95% |
Estimated loss impact:
| 1.55% | | |
Lender servicing fee:
| 1.00% |
Estimated return:
| 5.40% | | |
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10):
| 10 |
First credit line:
| Jul-1981 |
Debt/Income ratio:
| 13% |
Credit score:
| 860-879 (Aug-2010) |
Inquiries last 6m:
| 0 | Employment status: | Employed |
Now delinquent:
| 0 |
Current / open credit lines:
| 4
/
4 | Length of status: | 8y 10m |
Amount delinquent:
| $0 |
Total credit lines:
| 27 |
Occupation: | Realtor |
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $1,815 | Stated income: | $75,000-$99,999 |
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 3% | | |
| |
Homeownership:
| Yes | | |
Screen name:
| LendingRyan |
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
Final tenant build out
Purpose of loan:
This loan will be used to?
To fund the final build out of our last tenant in a commercial property I own. We plan on paying this back promptly from month rents from the project.
My financial situation:
I am a good candidate for this loan because?
I'm currently a prosper lender and have no debt except for my home and this property. We have to act quickly to get the tenant in the space prior to the holiday season.
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
472462
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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:
| 15.50% |
Starting borrower rate/APR:
| 16.50% / 19.82% |
Starting monthly payment:
| $177.02 |
|
Auction yield range:
| 10.89% - 15.50% |
Estimated loss impact:
| 11.15% | | |
Lender servicing fee:
| 1.00% |
Estimated return:
| 4.35% | | |
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10):
| 6 |
First credit line:
| Jun-2004 |
Debt/Income ratio:
| 24% |
Credit score:
| 700-719 (Aug-2010) |
Inquiries last 6m:
| 1 | Employment status: | Employed |
Now delinquent:
| 0 |
Current / open credit lines:
| 11
/
11 | Length of status: | 18y 3m |
Amount delinquent:
| $0 |
Total credit lines:
| 12 |
Occupation: | Clerical |
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $2,614 | Stated income: | $50,000-$74,999 |
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 18% | | |
| |
Homeownership:
| No | | |
Screen name:
| Trin33 |
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
Bye bye to credit accounts!
Purpose of loan:
This loan will be used to get rid of some high interest credit accounts that I've taken on (Dell Financial $1170 & Orkin Pest Control $3705 which belongs to my mom but I'm helping her pay them off).? I plan on closing out this loan within 1 1/2?- 2 years.?
My financial situation:
I am a good candidate for this loan because my job is stable and I've worked for the same company for over 18 years.? I've recently received a promotion as well as a raise.??I have money in savings but do not want to use that money in case something unforeseen comes up.? I try to avoid using credit cards as much as possible but the occasional emergency has come up.
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
472468
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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:
| Jun-1986 |
Debt/Income ratio:
| 41% |
Credit score:
| 720-739 (Aug-2010) |
Inquiries last 6m:
| 1 | Employment status: | Employed |
Now delinquent:
| 0 |
Current / open credit lines:
| 19
/
18 | Length of status: | 5y 9m |
Amount delinquent:
| $0 |
Total credit lines:
| 53 |
Occupation: | Professional |
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $97,123 | Stated income: | $50,000-$74,999 |
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 58% | | |
| |
Homeownership:
| Yes | | |
Screen name:
| treasure-pole |
Borrower's state:
| Tennessee |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Description
Paying off my credit cards
Purpose of loan:
This loan will be used to pay off existing credit card balances...
My financial situation:
I am a good candidate for this loan because my debt was managable but spiriled out of control once I temporally lost 50% of my hearing in my left ear. The medical test? and doctor visits were well beyond what my insurance would pay and I'm trying to pay everything off at once and have one place to pay instead of trying to juggle who will with the minimum and who would receive what is left over after I contribute something to my savings account.
Monthly net income: $ 6000
Monthly expenses: $
??Housing: $ 1300
??Insurance: $ 250
??Car expenses: None
??Utilities: $ 300
??Phone, cable, internet: $ 150
??Food, entertainment: $ 150
??Clothing, household expenses $
??Credit cards and other loans: $?1500
??Other expenses: $ 500
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
472472
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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):
| 5 |
First credit line:
| Apr-1995 |
Debt/Income ratio:
| 41% |
Credit score:
| 640-659 (Aug-2010) |
Inquiries last 6m:
| 0 | Employment status: | Employed |
Now delinquent:
| 0 |
Current / open credit lines:
| 6
/
5 | Length of status: | 9y 5m |
Amount delinquent:
| $0 |
Total credit lines:
| 16 |
Occupation: | Medical Technician |
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $4,998 | Stated income: | $25,000-$49,999 |
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 93% | | |
| |
Homeownership:
| No | | |
Screen name:
| the-loan-captain81 |
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.
Prosper Activity
Loan history | Payment history | Credit score history |
Active / total loans:
| 1 / 1 |
On-time:
| 22 ( 100% )
| 640-659 (Latest)
|
Principal borrowed:
| $6,500.00 | < 31 days late:
| 0
( 0% )
| 660-679
(Sep-2008)
|
Principal balance:
| $2,580.39 |
31+ days late:
| 0
( 0% )
|
Total payments billed:
| 22 | | |
Description
Paying off my credit cards
Purpose of loan:
This loan will be used to consolidate a few small debts that I have incurred during grad school and while helping my family through a small financial crisis.
My financial situation:
I am a good candidate for this loan because I currently have a loan with Prosper and I have never missed a payment or payed late.
Monthly net income: $ 3000.00
Monthly expenses: $
??Housing: $
??Insurance: $?200.00
??Car expenses: $
??Utilities: $ 100.00
??Phone, cable, internet: $ 300.00
??Food, entertainment: $
??Clothing, household expenses $
??Credit cards and other loans: $ 600.00
??Other expenses: $ 220.00
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
472478
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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:
| 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:
| $140.55 |
|
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:
| Sep-1999 |
Debt/Income ratio:
| 23% |
Credit score:
| 720-739 (Aug-2010) |
Inquiries last 6m:
| 2 | Employment status: | Employed |
Now delinquent:
| 0 |
Current / open credit lines:
| 3
/
3 | Length of status: | 2y 0m |
Amount delinquent:
| $0 |
Total credit lines:
| 20 |
Occupation: | Professional |
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $4,962 | Stated income: | $50,000-$74,999 |
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 43% | | |
| |
Homeownership:
| No | | |
Screen name:
| chicagomatt |
Borrower's state:
| Illinois |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan history | Payment history | Credit score history |
Active / total loans:
| 1 / 2 |
On-time:
| 58 ( 100% )
| 720-739 (Latest)
|
Principal borrowed:
| $20,200.00 | < 31 days late:
| 0
( 0% )
| 680-699
(Sep-2008)
700-719
(Jul-2007)
|
Principal balance:
| $950.83 |
31+ days late:
| 0
( 0% )
|
Total payments billed:
| 58 | | |
Description
Paying for 2 classes
Purpose of loan:
This loan will be used to pay for two extra classes for my master's degree.
My financial situation:
I am a good candidate for this loan because I have no mortgage payment, and live in a rent free apartment.
Monthly net income: $ 4,200
Monthly expenses: $
??Housing: $ 0
??Insurance: $ 0
??Car expenses:?paid off?
??Utilities: $?200
??Phone, cable, internet: $200?
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
472484
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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:
| 9.8% | | |
| | |
|
Starting lender yield:
| 24.75% |
Starting borrower rate/APR:
| 25.75% / 29.26% |
Starting monthly payment:
| $321.26 |
|
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:
| Nov-1977 |
Debt/Income ratio:
| 10% |
Credit score:
| 620-639 (Aug-2010) |
Inquiries last 6m:
| 2 | Employment status: | Employed |
Now delinquent:
| 0 |
Current / open credit lines:
| 3
/
3 | Length of status: | 3y 0m |
Amount delinquent:
| $0 |
Total credit lines:
| 13 |
Occupation: | Sales - Commission |
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $1,739 | Stated income: | $75,000-$99,999 |
Delinquencies in last 7y:
| 17 |
Bankcard utilization:
| 96% | | |
| |
Homeownership:
| No | | |
Screen name:
| 3bcoach |
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:
| 1 / 1 |
On-time:
| 25 ( 100% )
| 620-639 (Latest)
|
Principal borrowed:
| $7,500.00 | < 31 days late:
| 0
( 0% )
| 620-639
(Apr-2010)
620-639
(Jan-2010)
620-639
(Dec-2009)
620-639
(Jun-2008)
|
Principal balance:
| $2,639.51 |
31+ days late:
| 0
( 0% )
|
Total payments billed:
| 25 | | |
Description
Finishing basement
Purpose of loan:
This loan will be used to? Finsh basement???? We have NEVER been late on our first loan to prosper
My financial situation:
I am a good candidate for this loan because?? My credit has taken a hit , but we are on the up swing
Monthly net income: $ 6500
Monthly expenses: $ 3500
??Housing: $1900
??Insurance: $ 200
??Car expenses: $?200
??Utilities: $ 300
??Phone, cable, internet: $ 125
??Food, entertainment: $?500
??Clothing, household expenses $ 125
??Credit cards and other loans: $ 200
??Other expenses: $ 200
Information in the Description is not verified.