Listing Report:Supplement No. 86 dated Nov 04, 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
458328
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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:
| 18.30% | | |
| | |
|
Starting lender yield:
| 19.00% |
Starting borrower rate/APR:
| 20.00% / 23.78% |
Starting monthly payment:
| $55.75 |
|
Auction yield range:
| 16.57% - 19.00% |
Estimated loss impact:
| 19.36% | | |
Lender servicing fee:
| 1.00% |
Estimated return:
| -0.36% | | |
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10):
| 4 |
First credit line:
| Mar-1996 |
Debt/Income ratio:
| 36% |
Credit score:
| 680-699 (Nov-2010) |
Inquiries last 6m:
| 1 | Employment status: | Employed |
Now delinquent:
| 0 |
Current / open credit lines:
| 14
/
12 | Length of status: | 16y 6m |
Amount delinquent:
| $0 |
Total credit lines:
| 37 |
Occupation: | Military Enlisted |
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $35,783 | Stated income: | $75,000-$99,999 |
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 88% | | |
| |
Homeownership:
| Yes | | |
Screen name:
| epic-exchange2 |
Borrower's state:
| Virginia |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Description
My Kids Travel to California
Purpose of loan:
This loan will be used to pay for my kids plane tickets for Christmas 2010. I just got divorce and this is going to be the first time my two daughters flight to see me in California.
My financial situation:
I am a good candidate for this loan because I have always pay my bills on time and due to my?steady income for the next six years in active duty service.
Monthly net income: $ 6500
Monthly expenses: $
??Housing: $ 1198
??Insurance: $ 60
??Car expenses: $120
??Utilities: $?40
??Phone, cable, internet: $180
??Food, entertainment: $ 500
??Clothing, household expenses $150
??Credit cards and other loans: $800
??Other expenses: $?550 cars payment
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
477552
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount:
| $7,000.00 |
Prosper Rating:
| HR |
Auction Duration:
| 7 days
|
Term:
| 36 months |
Estimated loss:
| 18.30% | | |
| | |
|
Starting lender yield:
| 34.00% |
Starting borrower rate/APR:
| 35.00% / 38.72% |
Starting monthly payment:
| $316.65 |
|
Auction yield range:
| 16.57% - 34.00% |
Estimated loss impact:
| 20.31% | | |
Lender servicing fee:
| 1.00% |
Estimated return:
| 13.69% | | |
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10):
| 4 |
First credit line:
| Mar-1973 |
Debt/Income ratio:
| 19% |
Credit score:
| 700-719 (Nov-2010) |
Inquiries last 6m:
| 1 | Employment status: | Employed |
Now delinquent:
| 2 |
Current / open credit lines:
| 3
/
3 | Length of status: | 15y 5m |
Amount delinquent:
| $0 |
Total credit lines:
| 22 |
Occupation: | Food Service |
Public records last 12m / 10y:
| 0/ 1 |
Revolving credit balance:
| $67 | Stated income: | $1-$24,999 |
Delinquencies in last 7y:
| 23 |
Bankcard utilization:
| 0% | | |
| |
Homeownership:
| No | | |
Screen name:
| orderly-income075 |
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 bills
Purpose of loan:
This loan will be used to?
My financial situation:
I am a good candidate for this loan because?
Monthly net income: $
Monthly expenses: $
??Housing: $
??Insurance: $
??Car expenses: $
??Utilities: $
??Phone, cable, internet: $
??Food, entertainment: $
??Clothing, household expenses $
??Credit cards and other loans: $
??Other expenses: $
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
481140
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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:
| B |
Auction Duration:
| 7 days
|
Term:
| 36 months |
Estimated loss:
| 5.95% | | |
| | |
|
Starting lender yield:
| 7.00% |
Starting borrower rate/APR:
| 8.00% / 10.08% |
Starting monthly payment:
| $235.02 |
|
Auction yield range:
| 5.57% - 7.00% |
Estimated loss impact:
| 6.05% | | |
Lender servicing fee:
| 1.00% |
Estimated return:
| 0.95% | | |
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10):
| 8 |
First credit line:
| May-2001 |
Debt/Income ratio:
| 28% |
Credit score:
| 760-779 (Oct-2010) |
Inquiries last 6m:
| 0 | Employment status: | Employed |
Now delinquent:
| 0 |
Current / open credit lines:
| 11
/
11 | Length of status: | 1y 5m |
Amount delinquent:
| $0 |
Total credit lines:
| 15 |
Occupation: | Military Enlisted |
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $1,856 | Stated income: | $25,000-$49,999 |
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 12% | | |
| |
Homeownership:
| No | | |
Screen name:
| silver-boomerang7 |
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
Investment Capital
Purpose of loan:
This loan will be used to finance capital for investment purposes.
My financial situation:
I am a good candidate for this loan because the monthly payment of $235.02 is well within my monthly income to expense ratio, and the loan is being used to purchase securities that generally increase in value, with several notable exceptions throughout history. The current annualized return of my monthly investments since I began the process in June, is 16.7% versus the S&P 500 annualized return of 7.3%. Now, past performance is no guarantee of future results, but with the loan resulting in 10.08% APR for myself, this leaves a margin for profit to be achieved, even in a turbulent market.
This loan will help me to assess the future potential of my investment abilities, while leaving you with a loan that I can repay, even if the investments go to zero, which is unlikely. My current investments stand at $8,956.51, and also provide assets that can be used in the event that the unforeseen should occur to hinder my ability to pay. And finally, I am a current military service member, so my job situation is stable.
Monthly net income: $ 2900 (After taxes)
Monthly expenses: $ 2220
??Housing: $500
??Insurance: $90
??Car expenses: $200 (gas only, car is paid for)
??Utilities: $0 (Included in rent)
??Phone, cable, internet: $120
??Food, entertainment: $500
??Clothing, household expenses $200
??Credit cards and other loans: $400
??Other expenses: $210
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
481370
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount:
| $6,000.00 |
Prosper Rating:
| HR |
Auction Duration:
| 7 days
|
Term:
| 36 months |
Estimated loss:
| 24.00% | | |
| | |
|
Starting lender yield:
| 24.00% |
Starting borrower rate/APR:
| 25.00% / 28.50% |
Starting monthly payment:
| $238.56 |
|
Auction yield range:
| 16.57% - 24.00% |
Estimated loss impact:
| 25.38% | | |
Lender servicing fee:
| 1.00% |
Estimated return:
| -1.38% | | |
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10):
| 3 |
First credit line:
| Mar-1981 |
Debt/Income ratio:
| 20% |
Credit score:
| 660-679 (Oct-2010) |
Inquiries last 6m:
| 1 | Employment status: | Employed |
Now delinquent:
| 1 |
Current / open credit lines:
| 21
/
19 | Length of status: | 19y 3m |
Amount delinquent:
| $0 |
Total credit lines:
| 49 |
Occupation: | Professional |
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $107,023 | Stated income: | $100,000+ |
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 98% | | |
| |
Homeownership:
| Yes | | |
Screen name:
| phase231 |
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 taxes
Purpose of loan:
This loan will be used to? pay off my taxes
My financial situation:
I am a good candidate for this loan because? I pay on time
Monthly net income: $ 5,600
Monthly expenses: $?4850
??Housing: $ 3,300
??Insurance: $ 250
??Car expenses: $ 500
??Utilities: $?100
??Phone, cable, internet: $ 100
??Food, entertainment: $ 100
??Clothing, household expenses $
??Credit cards and other loans: $ 200
??Other expenses: $ 300
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
481658
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount:
| $2,750.00 |
Prosper Rating:
| HR |
Auction Duration:
| 7 days
|
Term:
| 36 months |
Estimated loss:
| 18.30% | | |
| | |
|
Starting lender yield:
| 24.00% |
Starting borrower rate/APR:
| 25.00% / 28.50% |
Starting monthly payment:
| $109.34 |
|
Auction yield range:
| 16.57% - 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:
| Aug-2000 |
Debt/Income ratio:
| 18% |
Credit score:
| 680-699 (Oct-2010) |
Inquiries last 6m:
| 2 | Employment status: | Employed |
Now delinquent:
| 2 |
Current / open credit lines:
| 7
/
7 | Length of status: | 0y 9m |
Amount delinquent:
| $1,723 |
Total credit lines:
| 15 |
Occupation: | Other |
Public records last 12m / 10y:
| 0/ 1 |
Revolving credit balance:
| $141 | Stated income: | $25,000-$49,999 |
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 18% | | |
| |
Homeownership:
| No | | |
Screen name:
| tenacious-rate0 |
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
My loan for auto repair
Purpose of loan:
This loan will be used to put a new transmission in my car?
My financial situation:
I am a good candidate for this loan because I have a good household income and have not missed a payment in years.
Monthly?gross income: $ 3100
Monthly expenses: $ 1500
??Housing: $ 875????
??Insurance: $ 66?
??Car expenses: $ 100
??Utilities: $ 65?
??Phone, cable, internet: $ 40?
????Credit cards and other loans: $ 200
??Other expenses: $ 150?
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
481968
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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:
| 18.30% | | |
| | |
|
Starting lender yield:
| 34.00% |
Starting borrower rate/APR:
| 35.00% / 38.72% |
Starting monthly payment:
| $226.18 |
|
Auction yield range:
| 16.71% - 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:
| Jun-1987 |
Debt/Income ratio:
| 19% |
Credit score:
| 660-679 (Oct-2010) |
Inquiries last 6m:
| 0 | Employment status: | Employed |
Now delinquent:
| 0 |
Current / open credit lines:
| 7
/
3 | Length of status: | 3y 3m |
Amount delinquent:
| $0 |
Total credit lines:
| 50 |
Occupation: | Administrative Assi... |
Public records last 12m / 10y:
| 0/ 1 |
Revolving credit balance:
| $2,598 | Stated income: | $25,000-$49,999 |
Delinquencies in last 7y:
| 4 |
Bankcard utilization:
| 0% | | |
| |
Homeownership:
| No | | |
Screen name:
| odyssey61 |
Borrower's state:
| Georgia |
Borrower's group:
| AAAA Fund America |
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Description
HELP WITH MY DREAM-PHOTOGRAPHY BUS.
Purpose of loan:
This loan will be used to start my new Photography and Jewelry Design Company - Virtual Bliss Designs.
My financial situation:
I am a good candidate for this loan because I am passionate about my photography and jewelry designing. I have the money to make the payments, but need a lump sum to start for web design and supplies. I will be doing artists shows and sell online as well.
Monthly net income: $2800.00
Monthly expenses: $
??Housing: $ 825.00
??Insurance: $ 103.00
??Car expenses: $ 298.00
??Utilities: $ 250.00
??Phone, cable, internet: $ 225.00
??Food, entertainment: $ 300.00
??Clothing, household expenses $
??Credit cards and other loans: $ 95.00
??Other expenses: $
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
482360
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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:
| 36.60% | | |
| | |
|
Starting lender yield:
| 17.00% |
Starting borrower rate/APR:
| 18.00% / 21.35% |
Starting monthly payment:
| $271.14 |
|
Auction yield range:
| 16.57% - 17.00% |
Estimated loss impact:
| 37.54% | | |
Lender servicing fee:
| 1.00% |
Estimated return:
| -20.54% | | |
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10):
| 1 |
First credit line:
| Nov-1995 |
Debt/Income ratio:
| Self-employed (DTI Not Calculated) |
Credit score:
| 680-699 (Nov-2010) |
Inquiries last 6m:
| 3 | Employment status: | Self-employed |
Now delinquent:
| 0 |
Current / open credit lines:
| 9
/
8 | Length of status: | 17y 5m |
Amount delinquent:
| $0 |
Total credit lines:
| 26 |
Occupation: | Other |
Public records last 12m / 10y:
| 0/ 1 |
Revolving credit balance:
| $4,095 | Stated income: | $50,000-$74,999 |
Delinquencies in last 7y:
| 1 |
Bankcard utilization:
| 64% | | |
| |
Homeownership:
| Yes | | |
Screen name:
| TDawg1212 |
Borrower's state:
| Georgia |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan history | Payment history | Credit score history |
Active / total loans:
| 1 / 1 |
On-time:
| 32 ( 94% )
| 680-699 (Latest)
|
Principal borrowed:
| $15,000.00 | < 31 days late:
| 2
( 6% )
| 680-699
(Nov-2007)
|
Principal balance:
| $1,098.70 |
31+ days late:
| 0
( 0% )
|
Total payments billed:
| 34 | | |
Description
Keep On Growing...
Purpose of loan:
This loan will be used to?
help grow my 3rd gym location and buy new equipment.
My financial situation:
I am a good candidate for this loan because?
I have used Prosper in the past with a loan value twice this amount and never missed a payment.
Monthly net income: $
29,000
Monthly expenses: $
??Housing: $
8000
??Insurance: $
400
??Car expenses: $
0
??Utilities: $ 1000
??Phone, cable, internet: $
600
??Food, entertainment: $
400
??Clothing, household expenses $
200
??Credit cards and other loans: $ 600
??Other expenses: $
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
482502
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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:
| 36.60% | | |
| | |
|
Starting lender yield:
| 19.00% |
Starting borrower rate/APR:
| 20.00% / 23.39% |
Starting monthly payment:
| $278.73 |
|
Auction yield range:
| 16.57% - 19.00% |
Estimated loss impact:
| 37.66% | | |
Lender servicing fee:
| 1.00% |
Estimated return:
| -18.66% | | |
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10):
| 1 |
First credit line:
| May-1996 |
Debt/Income ratio:
| Self-employed (DTI Not Calculated) |
Credit score:
| 720-739 (Nov-2010) |
Inquiries last 6m:
| 4 | Employment status: | Self-employed |
Now delinquent:
| 0 |
Current / open credit lines:
| 12
/
12 | Length of status: | 8y 5m |
Amount delinquent:
| $0 |
Total credit lines:
| 29 |
Occupation: | Executive |
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $6,170 | Stated income: | $100,000+ |
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 92% | | |
| |
Homeownership:
| Yes | | |
Screen name:
| return-journey8 |
Borrower's state:
| California |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Description
NEED LOAN SECURED WITH TITLE-ASSETS
Purpose:To consolidate debt.invest savings in the business.
My financial situation:I am willing to secure this loan with a title from 2 of my cars I own (2001 BMW 750IL and the second car 2003 Honda Civic Hybrid) If someone chooses to finance a larger amount. Ran out of space email me for any additional details
Mon
net income:$ 5500
Monthly exp 4392
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
482658
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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:
| 36.60% | | |
| | |
|
Starting lender yield:
| 34.00% |
Starting borrower rate/APR:
| 35.00% / 38.72% |
Starting monthly payment:
| $339.27 |
|
Auction yield range:
| 16.71% - 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-1991 |
Debt/Income ratio:
| Not calculated |
Credit score:
| 680-699 (Nov-2010) |
Inquiries last 6m:
| 8 | Employment status: | Employed |
Now delinquent:
| 0 |
Current / open credit lines:
| 12
/
11 | Length of status: | 0y 5m |
Amount delinquent:
| $0 |
Total credit lines:
| 27 |
Occupation: | Skilled Labor |
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $73,984 | Stated income: | $50,000-$74,999 |
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 97% | | |
| |
Homeownership:
| Yes | | |
Screen name:
| brightest-dime-runner |
Borrower's state:
| Virginia |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Description
Personal
Purpose of loan:
This loan will be used to?
improve my family's financial situation.
My financial situation:
I am a good candidate for this loan because? I am looking to create a better financial situation for my family.
Monthly net income: $
5800
Monthly expenses: $
??Housing: $
1660
??Insurance: $
100
??Car expenses: $
290
??Utilities: $
50
??Phone, cable, internet: $
100
??Food, entertainment: $
50
??Clothing, household expenses $
30
??Credit cards and other loans: $
2000
??Other expenses: $
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
482676
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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:
| 36.60% | | |
| | |
|
Starting lender yield:
| 34.00% |
Starting borrower rate/APR:
| 35.00% / 38.72% |
Starting monthly payment:
| $135.71 |
|
Auction yield range:
| 16.57% - 34.00% |
Estimated loss impact:
| 38.61% | | |
Lender servicing fee:
| 1.00% |
Estimated return:
| -4.61% | | |
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10):
| 1 |
First credit line:
| Apr-1992 |
Debt/Income ratio:
| 102% |
Credit score:
| 800-819 (Nov-2010) |
Inquiries last 6m:
| 0 | Employment status: | Employed |
Now delinquent:
| 0 |
Current / open credit lines:
| 10
/
4 | Length of status: | 0y 3m |
Amount delinquent:
| $0 |
Total credit lines:
| 52 |
Occupation: | Nurse (LPN) |
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $0 | Stated income: | $1-$24,999 |
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 0% | | |
| |
Homeownership:
| Yes | | |
Screen name:
| adaptable-bonus3 |
Borrower's state:
| SouthCarolina |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Description
living expenses while finishing nur
Purpose of loan:
This loan will be used to?help with living expenses until I graduate from nursing school in 5 1/2 weeks?
My financial situation:
I am a good candidate for this loan because?
I have along work history. I have worked full time (plus part time jobs) since 1989. I am only able to do agency work right now due to the demands of my school work. I have lived on my savings to this point and am just running short. Took a $40,000 hit in the stock market (which I didn't see coming)
Monthly net income: $
Monthly expenses: $
??Housing: $ 1400
??Insurance: $ 75
??Car expenses: $?120 (gas)
??Utilities: $ $300
??Phone, cable, internet: $?47.00 only basic phone and cable (13 channels)?
??Food, entertainment: $ 150 (food only)
??Clothing, household expenses $?50 dogfood and toiletries
??Credit cards and other loans: $200?(scheduled payment for my American Express, I had to schedule payments when I started running short)?
??Other expenses: $ 200 (school associated)
I will be able to work full time a soon as my school preceptorship is up and this money will pay my living expenses when coupled with the $2500 I still have in the bank. I am working with NACA.com to lower my house payment (through an available program that does not effect my credit?
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
482700
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount:
| $4,500.00 |
Prosper Rating:
| HR |
Auction Duration:
| 7 days
|
Term:
| 36 months |
Estimated loss:
| 24.00% | | |
| | |
|
Starting lender yield:
| 34.00% |
Starting borrower rate/APR:
| 35.00% / 38.72% |
Starting monthly payment:
| $203.56 |
|
Auction yield range:
| 16.57% - 34.00% |
Estimated loss impact:
| 26.01% | | |
Lender servicing fee:
| 1.00% |
Estimated return:
| 7.99% | | |
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10):
| 3 |
First credit line:
| May-1998 |
Debt/Income ratio:
| 41% |
Credit score:
| 700-719 (Nov-2010) |
Inquiries last 6m:
| 1 | Employment status: | Employed |
Now delinquent:
| 0 |
Current / open credit lines:
| 19
/
14 | Length of status: | 13y 1m |
Amount delinquent:
| $0 |
Total credit lines:
| 44 |
Occupation: | Military Enlisted |
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $20,620 | Stated income: | $50,000-$74,999 |
Delinquencies in last 7y:
| 1 |
Bankcard utilization:
| 94% | | |
| |
Homeownership:
| Yes | | |
Screen name:
| am1491 |
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.
Prosper Activity
Loan history | Payment history | Credit score history |
Active / total loans:
| 1 / 1 |
On-time:
| 27 ( 96% )
| 700-719 (Latest)
|
Principal borrowed:
| $2,500.00 | < 31 days late:
| 1
( 4% )
| 640-659
(May-2008)
|
Principal balance:
| $655.64 |
31+ days late:
| 0
( 0% )
|
Total payments billed:
| 28 | | |
Description
College Tuition and Fees
Purpose of loan:
This loan will be used to pay for?college tuition?and fees?that my GI Bill doesn't cover.??I will be graduating with my?Bachelor's?Degree?in 2011.? This money will allow me finish school.?
My financial situation:
I am a good candidate for this loan because I?am in the United States Navy?and I have to pay my bills or else I will be held accountable.? I have been serving in the military for the past 13 years and have no financial issues and I always pay my bills.??My?career is secure and will be retiring after?I hit 20 years.???
Monthly net income: $ 5,427
Monthly expenses: $
??Housing: $1,036
??Insurance: $175
??Car expenses: $420
??Utilities: $140
??Phone, cable, internet: $280
??Food, entertainment: $ 600
??Clothing, household expenses $250
??Credit cards and other loans: $746
??Other expenses: $ 30
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
482706
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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:
| 36.60% | | |
| | |
|
Starting lender yield:
| 34.00% |
Starting borrower rate/APR:
| 35.00% / 38.72% |
Starting monthly payment:
| $339.27 |
|
Auction yield range:
| 16.57% - 34.00% |
Estimated loss impact:
| 38.61% | | |
Lender servicing fee:
| 1.00% |
Estimated return:
| -4.61% | | |
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10):
| 1 |
First credit line:
| Aug-1985 |
Debt/Income ratio:
| Self-employed (DTI Not Calculated) |
Credit score:
| 680-699 (Nov-2010) |
Inquiries last 6m:
| 9 | Employment status: | Self-employed |
Now delinquent:
| 0 |
Current / open credit lines:
| 3
/
3 | Length of status: | 0y 3m |
Amount delinquent:
| $0 |
Total credit lines:
| 8 |
Occupation: | Computer Programmer |
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $0 | Stated income: | $50,000-$74,999 |
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 0% | | |
| |
Homeownership:
| No | | |
Screen name:
| deal-tsunami3 |
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
Start web site
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
482718
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount:
| $8,000.00 |
Prosper Rating:
| A |
Auction Duration:
| 7 days
|
Term:
| 36 months |
Estimated loss:
| 3.25% | | |
| | |
|
Starting lender yield:
| 9.55% |
Starting borrower rate/APR:
| 10.55% / 12.66% |
Starting monthly payment:
| $260.21 |
|
Auction yield range:
| 3.57% - 9.55% |
Estimated loss impact:
| 3.28% | | |
Lender servicing fee:
| 1.00% |
Estimated return:
| 6.27% | | |
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10):
| 9 |
First credit line:
| Jan-1995 |
Debt/Income ratio:
| 35% |
Credit score:
| 720-739 (Nov-2010) |
Inquiries last 6m:
| 0 | Employment status: | Employed |
Now delinquent:
| 0 |
Current / open credit lines:
| 9
/
8 | Length of status: | 9y 10m |
Amount delinquent:
| $0 |
Total credit lines:
| 18 |
Occupation: | Clerical |
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $8,131 | Stated income: | $25,000-$49,999 |
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 23% | | |
| |
Homeownership:
| No | | |
Screen name:
| the-ectasy736 |
Borrower's state:
| NorthCarolina |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan history | Payment history | Credit score history |
Active / total loans:
| 1 / 2 |
On-time:
| 31 ( 100% )
| 720-739 (Latest)
|
Principal borrowed:
| $4,000.00 | < 31 days late:
| 0
( 0% )
| 760-779
(Nov-2009)
760-779
(Sep-2008)
|
Principal balance:
| $2,070.55 |
31+ days late:
| 0
( 0% )
|
Total payments billed:
| 31 | | |
Description
Paying off credit cards
Purpose of loan:
This loan will be used to pay off a few bills.? My husband is a substitue teacher and is trying to find a fulltime teaching position.? He doesn't work everyday so I am the primary paycheck.? He is doing his best and trying very hard to support us but I need a little extra to do what I need to do for our family.
My financial situation:
I am a good candidate for this loan because I have had previous loans and have always made my payments on time and have paid off 1 previous loan.
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
482724
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount:
| $7,500.00 |
Prosper Rating:
| E |
Auction Duration:
| 7 days
|
Term:
| 36 months |
Estimated loss:
| 14.20% | | |
| | |
|
Starting lender yield:
| 33.35% |
Starting borrower rate/APR:
| 34.35% / 38.06% |
Starting monthly payment:
| $336.52 |
|
Auction yield range:
| 13.57% - 33.35% |
Estimated loss impact:
| 15.74% | | |
Lender servicing fee:
| 1.00% |
Estimated return:
| 17.61% | | |
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10):
| 5 |
First credit line:
| Jul-1987 |
Debt/Income ratio:
| 26% |
Credit score:
| 660-679 (Nov-2010) |
Inquiries last 6m:
| 1 | Employment status: | Employed |
Now delinquent:
| 0 |
Current / open credit lines:
| 16
/
12 | Length of status: | 20y 10m |
Amount delinquent:
| $0 |
Total credit lines:
| 32 |
Occupation: | Professional |
Public records last 12m / 10y:
| 0/ 1 |
Revolving credit balance:
| $20,581 | Stated income: | $100,000+ |
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 85% | | |
| |
Homeownership:
| Yes | | |
Screen name:
| wampum-merry-maker |
Borrower's state:
| SouthCarolina |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Description
Debt Reduction
Purpose of loan:
This loan will be used to pay down other debt...spread debt over 3 years to make?pay?
My financial situation:
I am a good candidate for this loan because have always pay?my bills and debt?
Monthly net income: $ 10,000
Monthly expenses: $7022
??Housing: $ 3072?
??Insurance: $300
??Car expenses: $ 1500
??Utilities: $ 300
??Phone, cable, internet: $100?
??Food, entertainment: $500
??Clothing, household expenses $ 250
??Credit cards and other loans: $?1000
??Other expenses: $
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
482746
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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:
| 10.80% | | |
| | |
|
Starting lender yield:
| 14.50% |
Starting borrower rate/APR:
| 15.50% / 18.80% |
Starting monthly payment:
| $174.55 |
|
Auction yield range:
| 10.57% - 14.50% |
Estimated loss impact:
| 11.13% | | |
Lender servicing fee:
| 1.00% |
Estimated return:
| 3.37% | | |
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10):
| 7 |
First credit line:
| Apr-1999 |
Debt/Income ratio:
| 50% |
Credit score:
| 740-759 (Nov-2010) |
Inquiries last 6m:
| 1 | Employment status: | Employed |
Now delinquent:
| 0 |
Current / open credit lines:
| 8
/
8 | Length of status: | 0y 6m |
Amount delinquent:
| $0 |
Total credit lines:
| 14 |
Occupation: | Other |
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $13,744 | Stated income: | $1-$24,999 |
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 39% | | |
| |
Homeownership:
| No | | |
Screen name:
| K_OLATHE_KANSAS |
Borrower's state:
| Kansas |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Description
Paying off credit card debt
Purpose of loan:
This loan will be used to?
pay off high interest credit card debt
My financial situation:
I am a good candidate for this loan because?
I am a hard worker and just need to get out from under this high interest credit card debt.
Monthly net income: $
1,413 now and $2,171 on 1-1-2011 when I'm done with this semester at school.
Monthly expenses: $
??Housing: $
0 not paid by me
??Insurance: $
0 not paid by me
??Car expenses: $
371
??Utilities: $
0 not paid by me
??Phone, cable, internet: $
0 not paid by me
??Food, entertainment: $
100
??Clothing, household expenses $
50
??Credit cards and other loans: $ 400 now will only be $100 after paying off debt with this loan.
??Other expenses: $
Since I'm not allowed to include other income other than my own I don't think its fair that others credit card balance is included with mine. My total credit card debt is around $7,200 so the other $6,000 is a card I"m an authorized user on ,but not responsible for. I will be using this loan to pay off and cutting up my Bank of America card.?
Bank of America?? $3500/8300??? 23.99%???
Chase????????????????? $1700/4000? ? 18.24%?
Discover?????????????? $2000/4600??? 14.99%
Thank you for taking the time to read this.
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
482748
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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:
| 9.80% | | |
| | |
|
Starting lender yield:
| 24.75% |
Starting borrower rate/APR:
| 25.75% / 29.26% |
Starting monthly payment:
| $200.79 |
|
Auction yield range:
| 10.57% - 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):
| 8 |
First credit line:
| Sep-2004 |
Debt/Income ratio:
| 18% |
Credit score:
| 620-639 (Nov-2010) |
Inquiries last 6m:
| 1 | Employment status: | Employed |
Now delinquent:
| 0 |
Current / open credit lines:
| 6
/
6 | Length of status: | 0y 3m |
Amount delinquent:
| $0 |
Total credit lines:
| 10 |
Occupation: | Accountant/CPA |
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $1,262 | Stated income: | $25,000-$49,999 |
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 15% | | |
| |
Homeownership:
| No | | |
Screen name:
| Sambi23 |
Borrower's state:
| California |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan history | Payment history | Credit score history |
Active / total loans:
| 1 / 1 |
On-time:
| 27 ( 93% )
| 620-639 (Latest)
|
Principal borrowed:
| $1,500.00 | < 31 days late:
| 2
( 7% )
| 540-559
(May-2008)
|
Principal balance:
| $4.33 |
31+ days late:
| 0
( 0% )
|
Total payments billed:
| 29 | | |
Description
Wedding plans
Purpose of loan:
This loan will be used to make some payments towards our wedding which was fully budgeted for but due to some unforeseen?events we have had to spend $5000.00 of our?budgeted funds.
My financial situation:
I am a good candidate for this loan because I have a good credit history?and I am fortunate enough to be employed full time?by a very reputable employer.???
Monthly net income: $35,000
Monthly expenses: $
??Housing: $850.00
??Insurance: $100.00
??Car expenses: $325.00?
??Utilities: $80.00
??Phone, cable, internet: $ 100
??Food, entertainment: $ 225.00
??Clothing, household expenses $100.00
??Credit cards and other loans: $100.00
??Other expenses: $ 75.00
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
482766
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount:
| $7,500.00 |
Prosper Rating:
| E |
Auction Duration:
| 7 days
|
Term:
| 36 months |
Estimated loss:
| 14.20% | | |
| | |
|
Starting lender yield:
| 33.35% |
Starting borrower rate/APR:
| 35.35% / 39.08% |
Starting monthly payment:
| $340.76 |
|
Auction yield range:
| 13.57% - 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:
| Apr-2000 |
Debt/Income ratio:
| 22% |
Credit score:
| 680-699 (Nov-2010) |
Inquiries last 6m:
| 1 | Employment status: | Employed |
Now delinquent:
| 0 |
Current / open credit lines:
| 6
/
6 | Length of status: | 0y 1m |
Amount delinquent:
| $0 |
Total credit lines:
| 26 |
Occupation: | Sales - Retail |
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $13,744 | Stated income: | $75,000-$99,999 |
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 97% | | |
| |
Homeownership:
| Yes | | |
Screen name:
| youthful-compassion0 |
Borrower's state:
| Pennsylvania |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Description
fixing my roof and some other home
Purpose of loan:
This loan will be used to?
My financial situation:
I am a good candidate for this loan because?
Monthly net income: $
Monthly expenses: $
??Housing: $
??Insurance: $
??Car expenses: $
??Utilities: $
??Phone, cable, internet: $
??Food, entertainment: $
??Clothing, household expenses $
??Credit cards and other loans: $
??Other expenses: $
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
482778
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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:
| 36.60% | | |
| | |
|
Starting lender yield:
| 32.00% |
Starting borrower rate/APR:
| 33.00% / 36.68% |
Starting monthly payment:
| $330.83 |
|
Auction yield range:
| 16.57% - 32.00% |
Estimated loss impact:
| 38.48% | | |
Lender servicing fee:
| 1.00% |
Estimated return:
| -6.48% | | |
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10):
| 1 |
First credit line:
| May-2001 |
Debt/Income ratio:
| Self-employed (DTI Not Calculated) |
Credit score:
| 700-719 (Oct-2010) |
Inquiries last 6m:
| 0 | Employment status: | Self-employed |
Now delinquent:
| 0 |
Current / open credit lines:
| 4
/
4 | Length of status: | 18y 3m |
Amount delinquent:
| $0 |
Total credit lines:
| 8 |
Occupation: | Realtor |
Public records last 12m / 10y:
| 0/ 1 |
Revolving credit balance:
| $615 | Stated income: | $50,000-$74,999 |
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 0% | | |
| |
Homeownership:
| Yes | | |
Screen name:
| CarlosCespedes |
Borrower's state:
| Florida |
Borrower's group:
| Global Group - Fast Same Day Approval - |
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan history | Payment history | Credit score history |
Active / total loans:
| 1 / 2 |
On-time:
| 32 ( 100% )
| 700-719 (Latest)
|
Principal borrowed:
| $3,500.00 | < 31 days late:
| 0
( 0% )
| 700-719
(Aug-2010)
700-719
(Jul-2010)
700-719
(Jun-2010)
720-739
(Apr-2010)
|
Principal balance:
| $691.84 |
31+ days late:
| 0
( 0% )
|
Total payments billed:
| 32 | | |
Description
Employed,SelfEmployed,Investorowner
??? I work in the same Alexander Hotel and Condominium for more than 20 years
??? I I work in the Miami Jewish Home for more than 10 years
??? I work in the same Alexander Hotel and Condominium for more than 20 years
??? I I work in the Miami Jewish Home for more than 10 years
?This was my listing fully funded in prosper and non aproved by prosper they needed more disclosure
and Prosper supervisor after 7 days of closing the listing asked me to withdraw listing and relist
and send him Bank statement that I will do it today 11/3/2010. this was my listing.
?home improvement
?? Personal Loan for Home Improvement? Listin g 480948? $ 7500? @ 33.35% (lender yield)
???? 100 % funded 168 bids Ended??? Linsting Pending review? Borower rate 34.35% (38.06% APR)
?? Term 3 years??? Monthly payment $336.052? Servicing fee 1.00 %???
to see my rental properties:?? www ?giftfromgod us More Disclosure:?? My bank account talk:? I rent/own 4 properties with 20 rooms availables year round,
I am a general handyman with a Real Estate License in the estate of florida,the real estate I do is keep my rooms rented and on the side I help people with documents,offers,BPO (broker personal Opinion) creating me income,
regardless? all my? income in this properties I work: Alexander Condominium as a bartender in the Banquet department,
Miami Jewish Home as a server/bartender means I am employed with paystub and social security deducted and with the right to unemployment as last consequence.? I have stock market account with Charles Shwab,Sogotrade,Zecco now the stock market is
down but as soon as Fannie Mae? lift I will be lifted too,I am a heavy worker with tools and a pick up truck ready for any challenge where to make some money I am always busy with something to do and income to grow. ?? Prosper asked me to withdraw my listing and relist with full disclosure,the best place to verify my information is? www giftfromgod us?this ?is my website running and when I do not have rooms in my locations I have friends or others I help too.
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
482784
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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:
| 10.80% | | |
| | |
|
Starting lender yield:
| 26.50% |
Starting borrower rate/APR:
| 27.50% / 31.05% |
Starting monthly payment:
| $308.20 |
|
Auction yield range:
| 10.57% - 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:
| Feb-1995 |
Debt/Income ratio:
| 36% |
Credit score:
| 740-759 (Nov-2010) |
Inquiries last 6m:
| 1 | Employment status: | Employed |
Now delinquent:
| 4 |
Current / open credit lines:
| 5
/
5 | Length of status: | 10y 10m |
Amount delinquent:
| $7,967 |
Total credit lines:
| 16 |
Occupation: | Other |
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $615 | Stated income: | $100,000+ |
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 2% | | |
| |
Homeownership:
| No | | |
Screen name:
| goal-money297 |
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
teeth fixed and car repairs
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
482788
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount:
| $1,200.00 |
Prosper Rating:
| HR |
Auction Duration:
| 7 days
|
Term:
| 36 months |
Estimated loss:
| 18.30% | | |
| | |
|
Starting lender yield:
| 34.00% |
Starting borrower rate/APR:
| 35.00% / 40.24% |
Starting monthly payment:
| $54.28 |
|
Auction yield range:
| 16.57% - 34.00% |
Estimated loss impact:
| 20.31% | | |
Lender servicing fee:
| 1.00% |
Estimated return:
| 13.69% | | |
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10):
| 5 |
First credit line:
| Sep-1995 |
Debt/Income ratio:
| 9% |
Credit score:
| 660-679 (Oct-2010) |
Inquiries last 6m:
| 2 | Employment status: | Employed |
Now delinquent:
| 6 |
Current / open credit lines:
| 8
/
8 | Length of status: | 8y 0m |
Amount delinquent:
| $63,298 |
Total credit lines:
| 38 |
Occupation: | Retail Management |
Public records last 12m / 10y:
| 0/ 1 |
Revolving credit balance:
| $56,068 | Stated income: | $100,000+ |
Delinquencies in last 7y:
| 89 |
Bankcard utilization:
| 54% | | |
| |
Homeownership:
| Yes | | |
Screen name:
| FreshStart29 |
Borrower's state:
| Nevada |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Description
Pay off payday loans
Purpose of loan:
Pay off payday loans
My financial situation:
I am a good candidate for this loan because I can easily pay this loan back with the lower interest vs. payday loans?
Monthly net income: $ 8200
Monthly expenses: $
??Housing: $ 2000
??Insurance: $ 330
??Car expenses: $ 330
??Utilities: $ 150
??Phone, cable, internet: $ 240
??Food, entertainment: $?450
??Clothing, household expenses $ 50
??Credit cards and other loans: $ 500
??Other expenses: $
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
482790
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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:
| 18.30% | | |
| | |
|
Starting lender yield:
| 34.00% |
Starting borrower rate/APR:
| 35.00% / 38.72% |
Starting monthly payment:
| $339.27 |
|
Auction yield range:
| 16.57% - 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:
| Jun-1997 |
Debt/Income ratio:
| 17% |
Credit score:
| 640-659 (Nov-2010) |
Inquiries last 6m:
| 0 | Employment status: | Employed |
Now delinquent:
| 2 |
Current / open credit lines:
| 8
/
8 | Length of status: | 4y 3m |
Amount delinquent:
| $127 |
Total credit lines:
| 33 |
Occupation: | Professional |
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $13,014 | Stated income: | $75,000-$99,999 |
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 99% | | |
| |
Homeownership:
| No | | |
Screen name:
| new-revenue-hero |
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
Good borrowr need loan 4 good cause
Purpose of loan:
I'm requesting a home improvement loan to add a full bathroom to my parents' house, which I'm in the process of moving into it.? My mom suffered a?minor stroke several years ago, and?a few months ago,?she had a severe stroke that's left her disabled.? My father, who's now?in his early 70s, has to keep working to keep their insurance.? He is not able to take care of my mom full time so the past few months, we have been hiring a part time nurse to come to their house, but it's just too expensive.? So I plan to move in since my job requires me to go into the office only?3 days a week, and allow me to telecommute for the other 3 days (i work 6 days a week).? What we need is to add a full bathroom downstairs because without the proper help of the nurse, we cannot get her upstairs by ourselves.
This is a better decision because adding a full bathroom will actually increase the value of the house, rather than spending money on the nurse.? My parents have equity in their house, but it's hard for them to get a loan against it on their income.? The only debt I have is my student loans. Once I move into my parents', I won't have to pay rent or any utilities so I can use that to pay for this loan.?Also, if things get too hard, my parents?would consider?selling their house to move my mom into?a nursing home, which will give us a large amount of money to easily pay off this loan.
Monthly net income: $ 6,026.00
Monthly expenses: $
??Housing: $ 700
??Insurance: $ 80
??Car expenses: $ 130
??Utilities: $ 56
??Phone, cable, internet: $ 69
??Food, entertainment: $ 250
??Clothing, household expenses $ 250
??Credit cards and other loans: $ 800
??Other expenses: $ 800 to help pay for my mom's nurse
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
482802
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount:
| $1,000.00 |
Prosper Rating:
| AA |
Auction Duration:
| 7 days
|
Term:
| 12 months |
Estimated loss:
| 1.30% | | |
| | |
|
Starting lender yield:
| 3.00% |
Starting borrower rate/APR:
| 4.00% / 4.94% |
Starting monthly payment:
| $85.15 |
|
Auction yield range:
| 1.97% - 3.00% |
Estimated loss impact:
| 1.29% | | |
Lender servicing fee:
| 1.00% |
Estimated return:
| 1.71% | | |
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10):
| 10 |
First credit line:
| Apr-1994 |
Debt/Income ratio:
| 4% |
Credit score:
| 800-819 (Nov-2010) |
Inquiries last 6m:
| 1 | Employment status: | Employed |
Now delinquent:
| 0 |
Current / open credit lines:
| 6
/
5 | Length of status: | 4y 0m |
Amount delinquent:
| $0 |
Total credit lines:
| 10 |
Occupation: | Analyst |
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $1,263 | Stated income: | $50,000-$74,999 |
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 4% | | |
| |
Homeownership:
| Yes | | |
Screen name:
| no-whammies |
Borrower's state:
| NorthCarolina |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan history | Payment history | Credit score history |
Active / total loans:
| 1 / 2 |
On-time:
| 6 ( 100% )
| 800-819 (Latest)
|
Principal borrowed:
| $3,500.00 | < 31 days late:
| 0
( 0% )
| 780-799
(Apr-2010)
780-799
(Feb-2010)
780-799
(Dec-2009)
780-799
(Oct-2009)
|
Principal balance:
| $2,119.05 |
31+ days late:
| 0
( 0% )
|
Total payments billed:
| 6 | | |
Description
Looking for lower rates
Purpose of loan:
This loan will be used to cover miscellaneous?wedding expenses; DJ, officiant, and photographer.? It took a lot of haggling, but this loan will cover all three, plus leave a few dollars for petty cash.
My financial situation:
I am a good candidate for this loan because I have better than 800 credit score, never late, no delinquencies, no public records, highest prosper score possible, 16 years of credit history, bankcard utilization of less than 10%;?and add to all that, I have a specific plan for getting out of debt.? My only real debt is a mortgage, and that is currently at 36% loan to value.
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
482806
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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:
| 9.80% | | |
| | |
|
Starting lender yield:
| 19.00% |
Starting borrower rate/APR:
| 20.00% / 23.39% |
Starting monthly payment:
| $111.49 |
|
Auction yield range:
| 10.57% - 19.00% |
Estimated loss impact:
| 10.25% | | |
Lender servicing fee:
| 1.00% |
Estimated return:
| 8.75% | | |
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:
| Mar-2002 |
Debt/Income ratio:
| 21% |
Credit score:
| 680-699 (Nov-2010) |
Inquiries last 6m:
| 2 | Employment status: | Employed |
Now delinquent:
| 0 |
Current / open credit lines:
| 13
/
11 | Length of status: | 4y 3m |
Amount delinquent:
| $0 |
Total credit lines:
| 18 |
Occupation: | Other |
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $4,197 | Stated income: | $75,000-$99,999 |
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 31% | | |
| |
Homeownership:
| No | | |
Screen name:
| compassion-eclipse |
Borrower's state:
| Massachusetts |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan history | Payment history | Credit score history |
Active / total loans:
| 1 / 1 |
On-time:
| 12 ( 100% )
| 680-699 (Latest)
|
Principal borrowed:
| $7,000.00 | < 31 days late:
| 0
( 0% )
| 660-679
(Sep-2009)
|
Principal balance:
| $5,242.03 |
31+ days late:
| 0
( 0% )
|
Total payments billed:
| 12 | | |
Description
New Business Venture
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
482808
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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:
| B |
Auction Duration:
| 7 days
|
Term:
| 36 months |
Estimated loss:
| 5.95% | | |
| | |
|
Starting lender yield:
| 13.90% |
Starting borrower rate/APR:
| 14.90% / 17.07% |
Starting monthly payment:
| $259.62 |
|
Auction yield range:
| 5.57% - 13.90% |
Estimated loss impact:
| 6.18% | | |
Lender servicing fee:
| 1.00% |
Estimated return:
| 7.72% | | |
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10):
| 8 |
First credit line:
| Mar-2004 |
Debt/Income ratio:
| 16% |
Credit score:
| 740-759 (Oct-2010) |
Inquiries last 6m:
| 1 | Employment status: | Employed |
Now delinquent:
| 0 |
Current / open credit lines:
| 6
/
6 | Length of status: | 5y 3m |
Amount delinquent:
| $0 |
Total credit lines:
| 8 |
Occupation: | Nurse (LPN) |
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $374 | Stated income: | $25,000-$49,999 |
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 10% | | |
| |
Homeownership:
| No | | |
Screen name:
| careful-principal9 |
Borrower's state:
| Ohio |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Description
Purchase a car
Purpose of loan:
This loan will be used to?
My financial situation:
I am a good candidate for this loan because?
Monthly net income: $
Monthly expenses: $
??Housing: $
??Insurance: $
??Car expenses: $
??Utilities: $
??Phone, cable, internet: $
??Food, entertainment: $
??Clothing, household expenses $
??Credit cards and other loans: $
??Other expenses: $
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
482810
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount:
| $3,000.00 |
Prosper Rating:
| D |
Auction Duration:
| 7 days
|
Term:
| 36 months |
Estimated loss:
| 10.80% | | |
| | |
|
Starting lender yield:
| 14.50% |
Starting borrower rate/APR:
| 15.50% / 18.80% |
Starting monthly payment:
| $104.73 |
|
Auction yield range:
| 10.71% - 14.50% |
Estimated loss impact:
| 11.13% | | |
Lender servicing fee:
| 1.00% |
Estimated return:
| 3.37% | | |
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10):
| 8 |
First credit line:
| Jul-1995 |
Debt/Income ratio:
| 13% |
Credit score:
| 700-719 (Oct-2010) |
Inquiries last 6m:
| 1 | Employment status: | Employed |
Now delinquent:
| 0 |
Current / open credit lines:
| 10
/
7 | Length of status: | 13y 2m |
Amount delinquent:
| $0 |
Total credit lines:
| 45 |
Occupation: | Police Officer/Corr... |
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $55,970 | Stated income: | $50,000-$74,999 |
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 87% | | |
| |
Homeownership:
| Yes | | |
Screen name:
| dime-historian |
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
Establish Credit With Prosper
Purpose of loan:
Establish credit with Prosper and pay off a?small loan that has a higher rate. ?I am a lender as well and I will be reinvesting a portion of the money
My financial situation:
I am a good candidate for this loan because I am a full-time Police Officer and I have worked for the same department for the last 13 years.?
My credit score is a little lower then normal.? About 9 months ago I closed all of my credit cards to avoid the high APR increase.? I have paid off a total of $19,000 in credit card debt in the last year.? I only have one credit card with a $6,000 balance to pay off.
Monthly net income: $ 3,100
Monthly expenses:?$2,500
??Housing: $ 1,100
??Home & Auto Insurance: $?125
??Car payment: $ 225
??Utilities: $?250
??Phone, cable, internet: $ 150
??Food, entertainment: $ 350
??Clothing, household expenses $ 200
??Credit cards and other loans: $ 100 min payment
? Fuel: $100
Thank you for your time.
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
482812
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount:
| $5,000.00 |
Prosper Rating:
| E |
Auction Duration:
| 7 days
|
Term:
| 36 months |
Estimated loss:
| 14.20% | | |
| | |
|
Starting lender yield:
| 33.35% |
Starting borrower rate/APR:
| 34.35% / 38.06% |
Starting monthly payment:
| $224.34 |
|
Auction yield range:
| 13.57% - 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:
| Apr-2002 |
Debt/Income ratio:
| 14% |
Credit score:
| 660-679 (Oct-2010) |
Inquiries last 6m:
| 1 | Employment status: | Employed |
Now delinquent:
| 0 |
Current / open credit lines:
| 3
/
2 | Length of status: | 4y 10m |
Amount delinquent:
| $0 |
Total credit lines:
| 6 |
Occupation: | Food Service |
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $220 | Stated income: | $1-$24,999 |
Delinquencies in last 7y:
| 4 |
Bankcard utilization:
| 73% | | |
| |
Homeownership:
| No | | |
Screen name:
| OreGrownMarket |
Borrower's state:
| Oregon |
Borrower's group:
| 440+ Supporting Lenders. Get FUNDED @ LOWER % than ANY group |
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Description
OreGrown Market
Purpose of loan:
I am looking to acquire a loan that will be used to help purchase an existing mom-and-pop convenience store in my hometown of Portland, Oregon. The current owners have been confident in my work ethic and drive, and will be carrying the loan on the market. I am looking for the remaining amount needed for a 20% down payment and some working capital. The store has been open for over 14 years and is profitable. I will continue working at my current part-time job as a bartender, ensuring loan repayment. I will be able to devote all of my time to running the store when not working. Once I am entirely sure that I can leave my part time job, I plan to do so.
My financial situation:
I am a good candidate for this loan because I have worked extremely hard to improve my financial situation over the past three years. I have taken many courses through my local Score counseling service and worked to educate myself on the areas of business that I need to improve on. Besides using my credit card and paying it off monthly, I carry no debt. I have contributed cash equity toward the purchase of the market and will give all of my time to ensure the continued success of this market.
Monthly net income: $ 1800
Monthly expenses: $ 1004
??Housing: $ 475
??Insurance: $ 94
??Car expenses: $ 0
??Utilities: $ 35
??Phone, cable, internet: $ 50
??Food, entertainment: $ 200
??Clothing, household expenses $ 50
??Credit cards and other loans: $ 25
??Other expenses: $ 75
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
482816
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount:
| $4,000.00 |
Prosper Rating:
| HR |
Auction Duration:
| 7 days
|
Term:
| 36 months |
Estimated loss:
| 36.60% | | |
| | |
|
Starting lender yield:
| 24.00% |
Starting borrower rate/APR:
| 25.00% / 28.50% |
Starting monthly payment:
| $159.04 |
|
Auction yield range:
| 16.71% - 24.00% |
Estimated loss impact:
| 37.98% | | |
Lender servicing fee:
| 1.00% |
Estimated return:
| -13.98% | | |
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10):
| 1 |
First credit line:
| Dec-1979 |
Debt/Income ratio:
| Self-employed (DTI Not Calculated) |
Credit score:
| 640-659 (Oct-2010) |
Inquiries last 6m:
| 5 | Employment status: | Self-employed |
Now delinquent:
| 0 |
Current / open credit lines:
| 14
/
13 | Length of status: | 21y 11m |
Amount delinquent:
| $0 |
Total credit lines:
| 48 |
Occupation: | Sales - Commission |
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $19,342 | Stated income: | $100,000+ |
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 85% | | |
| |
Homeownership:
| No | | |
Screen name:
| revenue-coup |
Borrower's state:
| Massachusetts |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Description
Painting House
Purpose of loan:
Home improvements
My financial situation:
I am a good candidate for this loan because I pay back all my loans?
Monthly net income: $ 9167.00
Monthly expenses: $
??Housing: $ 2361.63
??Insurance: $?100
??Car expenses: $ 120
??Utilities: $
??Phone, cable, internet: $
??Food, entertainment: $
??Clothing, household expenses $
??Credit cards and other loans: $ 4000
??Other expenses: $
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
482818
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount:
| $11,000.00 |
Prosper Rating:
| A |
Auction Duration:
| 7 days
|
Term:
| 36 months |
Estimated loss:
| 3.50% | | |
| | |
|
Starting lender yield:
| 9.95% |
Starting borrower rate/APR:
| 10.95% / 13.07% |
Starting monthly payment:
| $359.87 |
|
Auction yield range:
| 3.57% - 9.95% |
Estimated loss impact:
| 3.53% | | |
Lender servicing fee:
| 1.00% |
Estimated return:
| 6.42% | | |
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10):
| 9 |
First credit line:
| Jul-1988 |
Debt/Income ratio:
| 22% |
Credit score:
| 820-839 (Oct-2010) |
Inquiries last 6m:
| 0 | Employment status: | Employed |
Now delinquent:
| 0 |
Current / open credit lines:
| 9
/
9 | Length of status: | 23y 1m |
Amount delinquent:
| $0 |
Total credit lines:
| 41 |
Occupation: | Retail Management |
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $30,185 | Stated income: | $75,000-$99,999 |
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 45% | | |
| |
Homeownership:
| Yes | | |
Screen name:
| fantastic-integrity5 |
Borrower's state:
| California |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Description
PAYING OFF CREDIT CARDS AND CAR PMT
Purpose of loan:
This loan will be used to? Payoff credit cards and car pmt.
My financial situation:
I am a good candidate for this loan because?I have never been late?or missed pmts. I am just trying to get my finaces back in line where?I feels they should be.
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
482830
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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:
| 10.80% | | |
| | |
|
Starting lender yield:
| 26.50% |
Starting borrower rate/APR:
| 27.50% / 31.05% |
Starting monthly payment:
| $308.20 |
|
Auction yield range:
| 10.57% - 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-1995 |
Debt/Income ratio:
| 16% |
Credit score:
| 720-739 (Oct-2010) |
Inquiries last 6m:
| 2 | Employment status: | Employed |
Now delinquent:
| 0 |
Current / open credit lines:
| 9
/
8 | Length of status: | 8y 6m |
Amount delinquent:
| $2,538 |
Total credit lines:
| 22 |
Occupation: | Executive |
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $6,749 | Stated income: | $75,000-$99,999 |
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 86% | | |
| |
Homeownership:
| Yes | | |
Screen name:
| bazaar-laser0 |
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
Eliminating Debt After Divorce
Purpose of loan:
This loan will be used to consolidate and ELIMINATE credit card debt incurred during separation and divorce.
My financial situation:
I am a good candidate for this loan because I am a responsible, fully employed, highly innovative and motivated individual. I am a regular user of Mint and have all of my accounts tied to it and utilize the budgeting software. Now that my divorce is finalized, I have a better understanding of what my obligations are. I also utilize online banking and have always kept my obligations up to date and current and do not see that changing if and when a Prosper Loan is received.
Monthly net income: $4011.00
Monthly expenses: $
Housing: $739.00
Electricity: $80.00
Car Payment: $250.00
Auto Insurance: $75.00
Food: $120.00
Gas: $120.00
Internet: $58.00
Life Insurance: $125.00
Child/Spousal Support: $1500.00
Credit Cards: $500.00 (which will be consolidated and eliminated by this loan)
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
482834
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount:
| $7,500.00 |
Prosper Rating:
| E |
Auction Duration:
| 7 days
|
Term:
| 36 months |
Estimated loss:
| 14.20% | | |
| | |
|
Starting lender yield:
| 33.35% |
Starting borrower rate/APR:
| 34.35% / 38.06% |
Starting monthly payment:
| $336.52 |
|
Auction yield range:
| 13.57% - 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:
| May-1991 |
Debt/Income ratio:
| 24% |
Credit score:
| 680-699 (Nov-2010) |
Inquiries last 6m:
| 3 | Employment status: | Employed |
Now delinquent:
| 0 |
Current / open credit lines:
| 8
/
7 | Length of status: | 12y 9m |
Amount delinquent:
| $0 |
Total credit lines:
| 17 |
Occupation: | Civil Service |
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $38,796 | Stated income: | $100,000+ |
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 81% | | |
| |
Homeownership:
| No | | |
Screen name:
| escalator8 |
Borrower's state:
| Hawaii |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Description
Reliable Federal Employee
Purpose of loan:
This loan will be used to consolidate and pay off other lines of credit.
My financial situation:
I am a good candidate for this loan because?I have never missed a debt payment and occupy a position of trust and responsibility within the U.S. Department of Defense. I have just been assigned to a location near Honolulu, Hawaii, and will remain at this location for at least the next 36 months.?I have served?as a civilian Department of Defense employee?since February 1998 and have?a?very stable and predictable background situation. I look forward to?doing business with you!?
Monthly net income: $ 5700.00
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
482852
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount:
| $5,675.00 |
Prosper Rating:
| HR |
Auction Duration:
| 7 days
|
Term:
| 36 months |
Estimated loss:
| 18.30% | | |
| | |
|
Starting lender yield:
| 29.00% |
Starting borrower rate/APR:
| 30.00% / 33.61% |
Starting monthly payment:
| $240.91 |
|
Auction yield range:
| 16.57% - 29.00% |
Estimated loss impact:
| 19.99% | | |
Lender servicing fee:
| 1.00% |
Estimated return:
| 9.01% | | |
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10):
| 4 |
First credit line:
| Oct-2001 |
Debt/Income ratio:
| Not calculated |
Credit score:
| 680-699 (Oct-2010) |
Inquiries last 6m:
| 4 | Employment status: | Employed |
Now delinquent:
| 0 |
Current / open credit lines:
| 8
/
7 | Length of status: | 0y 6m |
Amount delinquent:
| $0 |
Total credit lines:
| 14 |
Occupation: | Waiter/Waitress |
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $4,637 | Stated income: | $25,000-$49,999 |
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 39% | | |
| |
Homeownership:
| No | | |
Screen name:
| mystical-worth |
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
Steno software to start career :)
Purpose of loan:
This loan will be used to pay for professional court reporting software which is necessary to begin my career in the field.
My financial situation:
I am a good candidate for this loan because I have never made a late payment in my entire credit history. I am very responsible and will most likely be able to pay this loan off in less than 3 years.
Monthly net income: $1700
Monthly expenses: $920
??School: $550
??Phone/cable: $100
??Credit cards: $120
??Other expenses (i.e. transportation): $150
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
482858
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount:
| $1,000.00 |
Prosper Rating:
| HR |
Auction Duration:
| 7 days
|
Term:
| 36 months |
Estimated loss:
| 24.00% | | |
| | |
|
Starting lender yield:
| 34.00% |
Starting borrower rate/APR:
| 35.00% / 41.35% |
Starting monthly payment:
| $45.24 |
|
Auction yield range:
| 16.57% - 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-1991 |
Debt/Income ratio:
| 21% |
Credit score:
| 660-679 (Nov-2010) |
Inquiries last 6m:
| 3 | Employment status: | Employed |
Now delinquent:
| 0 |
Current / open credit lines:
| 5
/
5 | Length of status: | 10y 9m |
Amount delinquent:
| $0 |
Total credit lines:
| 12 |
Occupation: | Truck Driver |
Public records last 12m / 10y:
| 0/ 1 |
Revolving credit balance:
| $1,312 | Stated income: | $25,000-$49,999 |
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 92% | | |
| |
Homeownership:
| No | | |
Screen name:
| adventurous-social7 |
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
transmission replacement for family
Purpose of loan:
This loan will be used to?this loan will be used to replace the family car transmission with a new one
My financial situation:
I am a good candidate for this loan because?i am a good candidate for this loan because I am a hard working head of household, and I always repay all my debts promptly and on time.
Monthly net income: $ my monthly net income is $2100
Monthly expenses: $ I have a total of $1135 in monthly expenses and can afford a little more
??Housing: $0
??Insurance: $$0
??Car expenses: $550
??Utilities: $60
??Phone, cable, internet: $78
??Food, entertainment: $100
??Clothing, household expenses $100
??Credit cards and other loans: $60
??Other expenses: $125
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
482866
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount:
| $2,500.00 |
Prosper Rating:
| HR |
Auction Duration:
| 7 days
|
Term:
| 36 months |
Estimated loss:
| 24.00% | | |
| | |
|
Starting lender yield:
| 34.00% |
Starting borrower rate/APR:
| 35.00% / 38.72% |
Starting monthly payment:
| $113.09 |
|
Auction yield range:
| 16.57% - 34.00% |
Estimated loss impact:
| 26.01% | | |
Lender servicing fee:
| 1.00% |
Estimated return:
| 7.99% | | |
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10):
| 2 |
First credit line:
| Jun-1982 |
Debt/Income ratio:
| 24% |
Credit score:
| 660-679 (Nov-2010) |
Inquiries last 6m:
| 4 | Employment status: | Employed |
Now delinquent:
| 0 |
Current / open credit lines:
| 11
/
10 | Length of status: | 1y 0m |
Amount delinquent:
| $0 |
Total credit lines:
| 34 |
Occupation: | Other |
Public records last 12m / 10y:
| 0/ 1 |
Revolving credit balance:
| $6,877 | Stated income: | $50,000-$74,999 |
Delinquencies in last 7y:
| 1 |
Bankcard utilization:
| 92% | | |
| |
Homeownership:
| Yes | | |
Screen name:
| investment-bell |
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
Personal Loan for Home Improvement
Purpose of loan:
This loan will be used for home improvements.
My financial situation:
I am a good candidate for this loan becauseI am employed and able to repay the amount requesting.?
Monthly net income: $ 4000.00
Monthly expenses: $
??Housing: $
??Insurance: $
??Car expenses: $
??Utilities: $
??Phone, cable, internet: $
??Food, entertainment: $
??Clothing, household expenses $
??Credit cards and other loans: $
??Other expenses: $
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
482878
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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:
| 10.80% | | |
| | |
|
Starting lender yield:
| 26.50% |
Starting borrower rate/APR:
| 27.50% / 31.05% |
Starting monthly payment:
| $308.20 |
|
Auction yield range:
| 10.57% - 26.50% |
Estimated loss impact:
| 11.46% | | |
Lender servicing fee:
| 1.00% |
Estimated return:
| 15.04% | | |
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10):
| 7 |
First credit line:
| Aug-2002 |
Debt/Income ratio:
| 18% |
Credit score:
| 640-659 (Nov-2010) |
Inquiries last 6m:
| 1 | Employment status: | Employed |
Now delinquent:
| 1 |
Current / open credit lines:
| 6
/
6 | Length of status: | 2y 4m |
Amount delinquent:
| $49 |
Total credit lines:
| 17 |
Occupation: | Analyst |
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $3,788 | Stated income: | $50,000-$74,999 |
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 60% | | |
| |
Homeownership:
| Yes | | |
Screen name:
| feywill95 |
Borrower's state:
| NorthCarolina |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Description
Debt Consolidation
Purpose of loan:
The purpose of this loan is for debt consolidation.?
The debt that I have accumulated stems from when I purchased a home 2 years ago.? I was a first time homebuyer.? I needed items such as appliances, furniture and other items to make my home livable. I didn't have that kind of cash on hand so I ended up using credit.? I have been paying each company that I owe on time.? It would be wonderful to not have to pay multiple companies at different times of the month and at various interest rates.? By obtaining this loan, I would be able to consolidate the debt that I have accumulated into one payment.? With help from the wonderful lenders at Prosper, I would finally be able to get rid of this debt for once and for all.? It would really give me a great sense of accomplishment as well.? I hope one day to become a Prosper lender.? I really appreciate you taking the time to consider my loan request.?
My financial situation:
I am gainfully employed and have a great stable job.? I am also an honest person.? It is my intention to pay of this loan within 1.5 to 2 years.?
Monthly net income: $ 3800
Monthly expenses: $
??Housing: $?950
??Insurance: $ 130
??Car expenses: $ 254
??Utilities: $?150
??Phone, cable, internet: $?200
??Food, entertainment: $ 50?
??Clothing, household expenses $?100
??Credit cards and other loans: $?350
??Other expenses: $ 75
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
482882
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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:
| E |
Auction Duration:
| 7 days
|
Term:
| 36 months |
Estimated loss:
| 14.20% | | |
| | |
|
Starting lender yield:
| 33.35% |
Starting borrower rate/APR:
| 34.35% / 38.06% |
Starting monthly payment:
| $291.65 |
|
Auction yield range:
| 13.57% - 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:
| Mar-2001 |
Debt/Income ratio:
| 12% |
Credit score:
| 660-679 (Oct-2010) |
Inquiries last 6m:
| 2 | Employment status: | Employed |
Now delinquent:
| 0 |
Current / open credit lines:
| 12
/
11 | Length of status: | 2y 8m |
Amount delinquent:
| $0 |
Total credit lines:
| 20 |
Occupation: | Professional |
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $390 | Stated income: | $25,000-$49,999 |
Delinquencies in last 7y:
| 16 |
Bankcard utilization:
| 6% | | |
| |
Homeownership:
| No | | |
Screen name:
| exchanger383 |
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
Wedding loan Second try.Please
Purpose of loan:
Second try. First of all I would like to thank everyone that bid on my loan but unfortunately it was not enough to have my loan funded 100% Let? s make it happen second time around please!!!.
This loan will be used to cover the cost of my upcoming wedding. The money will be use to pay for the reception and for the pictures everything else was paid in cash by me so I need the extra cash, and at the same time I don?t want to use all the cash reserves unless I really need too .I believe I?m a great borrow because I have a low Dti ratio and I been making all my payments on time for the past couple years without any late payment. In the past I was very irresponsible about my credit I was not educated how credit worked .But now I learned from my mistakes and I realize that credit is one of the most important think in life and I been showing that my mistake was corrected
My financial situation:
I have a very stable job. I work in the medical field as a pharmacist tech for a company that has been in business more then 30 years. I work for a long term pharmacy we supply all the nursing home with medications 365/24 for approximate 8000 patient on a daily basis.I would like to also explain, my previous credit situation from the past. My delinquencies happen because of misunderstanding between me and my student loan creditor. I was suppose to be in forbearance period while I attended school, but I found out later while attending summer classes that by only taking 2 summer classes it was not consider full time and I was unaware of this until was to late. Bottom line is that I was responsible to check the agreement contract and I failed to do so I that time. I was a college student a bit na?ve and I didn?t realize how important was to maintain good credit. I realize I made a mistake and I quickly took action and solve the problem as soon as I was aware of the mistake. I learned from that mistake and I made a priority to make sure that won?t happen again, because I realize how important it is to keep a good credit history and I been showing that but making sure I make my monthly payments on time and being finically responsible. Please help fund my loan and if you guys have any question for me regarding my posting please feel free to ask. Thank you very much,
Monthly net income:3120 $
Monthly expenses: $
Housing: $ 0 (no mortgage fully owned)
Insurance: $ 70
Car expenses: $ 150
Utilities: $ 30/month
Phone, cable, internet: $ 30
Food, entertainment: $ 150
Clothing, household expenses $ 50
Credit cards and other loans: $15
Other expenses: $ 50
Student loans payment: $110/month
Missionary work sponsor: $50/month
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
482884
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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:
| 18.30% | | |
| | |
|
Starting lender yield:
| 16.57% |
Starting borrower rate/APR:
| 17.57% / 20.91% |
Starting monthly payment:
| $269.53 |
|
Auction yield range:
| 16.57% - 16.57% |
Estimated loss impact:
| 19.21% | | |
Lender servicing fee:
| 1.00% |
Estimated return:
| -2.64% | | |
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):
| 4 |
First credit line:
| Mar-1998 |
Debt/Income ratio:
| 33% |
Credit score:
| 680-699 (Nov-2010) |
Inquiries last 6m:
| 0 | Employment status: | Employed |
Now delinquent:
| 0 |
Current / open credit lines:
| 10
/
10 | Length of status: | 13y 3m |
Amount delinquent:
| $0 |
Total credit lines:
| 20 |
Occupation: | Other |
Public records last 12m / 10y:
| 0/ 1 |
Revolving credit balance:
| $10,782 | Stated income: | $25,000-$49,999 |
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 55% | | |
| |
Homeownership:
| Yes | | |
Screen name:
| zippy-p2p086 |
Borrower's state:
| NewYork |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Description
paying off credit cards
Purpose of loan:
This loan will be used to?
My financial situation:
I am a good candidate for this loan because?
Monthly net income: $
Monthly expenses: $
??Housing: $
??Insurance: $
??Car expenses: $
??Utilities: $
??Phone, cable, internet: $
??Food, entertainment: $
??Clothing, household expenses $
??Credit cards and other loans: $
??Other expenses: $
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
482912
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount:
| $10,000.00 |
Prosper Rating:
| B |
Auction Duration:
| 7 days
|
Term:
| 36 months |
Estimated loss:
| 5.95% | | |
| | |
|
Starting lender yield:
| 10.15% |
Starting borrower rate/APR:
| 11.15% / 13.27% |
Starting monthly payment:
| $328.10 |
|
Auction yield range:
| 5.57% - 10.15% |
Estimated loss impact:
| 6.11% | | |
Lender servicing fee:
| 1.00% |
Estimated return:
| 4.04% | | |
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10):
| 8 |
First credit line:
| May-1991 |
Debt/Income ratio:
| 16% |
Credit score:
| 760-779 (Oct-2010) |
Inquiries last 6m:
| 0 | Employment status: | Employed |
Now delinquent:
| 0 |
Current / open credit lines:
| 7
/
6 | Length of status: | 0y 11m |
Amount delinquent:
| $0 |
Total credit lines:
| 27 |
Occupation: | Sales - Commission |
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $25,397 | Stated income: | $50,000-$74,999 |
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 63% | | |
| |
Homeownership:
| Yes | | |
Screen name:
| dsellers |
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
Home Repair/ Debt Consolidate
Purpose of loan:
This loan will be used to pay down some debt as well as repair a barn roof?
My financial situation: I am employed, make good pay, but have have unexpected repair expenses that require immediate action.
I am a good candidate for this loan because I am mature, responsible and repay my debt in timely manner.
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
482924
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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:
| B |
Auction Duration:
| 7 days
|
Term:
| 36 months |
Estimated loss:
| 5.95% | | |
| | |
|
Starting lender yield:
| 11.90% |
Starting borrower rate/APR:
| 12.90% / 15.04% |
Starting monthly payment:
| $252.34 |
|
Auction yield range:
| 5.57% - 11.90% |
Estimated loss impact:
| 6.15% | | |
Lender servicing fee:
| 1.00% |
Estimated return:
| 5.75% | | |
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):
| 8 |
First credit line:
| Jun-1996 |
Debt/Income ratio:
| 10% |
Credit score:
| 740-759 (Nov-2010) |
Inquiries last 6m:
| 3 | Employment status: | Employed |
Now delinquent:
| 0 |
Current / open credit lines:
| 12
/
10 | Length of status: | 6y 8m |
Amount delinquent:
| $0 |
Total credit lines:
| 22 |
Occupation: | Computer Programmer |
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $28,710 | Stated income: | $75,000-$99,999 |
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 63% | | |
| |
Homeownership:
| Yes | | |
Screen name:
| glider0 |
Borrower's state:
| NorthCarolina |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Description
Paying off my credit cards (17.8%)
Purpose of loan:
This loan will be used to? consolidate my highest interest bills.
My financial situation:
I am a good candidate for this loan because? I have paid my bills on time for years now with one hiccup occuring during my divorce. I have been
steadily employed for the past 6+ years in a stable industry and would like the opportunity to get out from under debt to live life instead of simply paying bills. I have gotten all of my spending under what I make (wife is on board) and have been trying to pay more than what the minimums say to pay in order to reduce this debt to a manageable amount which is what I am hopeful your loan will alllow me to do. I was hoping to consolidate all of them together so as to maximum your credit but I will work with you all to disperse the best way to reduce the highest interest amounts first.
Monthly net income: $ 4000
Monthly expenses: $
??Housing: $ 1980
??Insurance: $ 315
??Car expenses: $ 0
??Utilities: $ 315
??Phone, cable, internet: $ 195
??Food, entertainment: $ 300
??Clothing, household expenses $?50?
??Credit cards and other loans: $ 950
??Other expenses: $ 85
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
482930
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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:
| 18.30% | | |
| | |
|
Starting lender yield:
| 34.00% |
Starting borrower rate/APR:
| 35.00% / 38.72% |
Starting monthly payment:
| $339.27 |
|
Auction yield range:
| 16.57% - 34.00% |
Estimated loss impact:
| 20.31% | | |
Lender servicing fee:
| 1.00% |
Estimated return:
| 13.69% | | |
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10):
| 4 |
First credit line:
| Jun-1993 |
Debt/Income ratio:
| 7% |
Credit score:
| 740-759 (Nov-2010) |
Inquiries last 6m:
| 2 | Employment status: | Employed |
Now delinquent:
| 3 |
Current / open credit lines:
| 8
/
7 | Length of status: | 4y 4m |
Amount delinquent:
| $11,546 |
Total credit lines:
| 39 |
Occupation: | Executive |
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $525 | Stated income: | $100,000+ |
Delinquencies in last 7y:
| 32 |
Bankcard utilization:
| 0% | | |
| |
Homeownership:
| No | | |
Screen name:
| keen-power |
Borrower's state:
| Connecticut |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Description
Paying off my debt
Purpose of loan:
This loan will be used to pay down as much as possible a?13,000 car loan, pay off a $5,000 credit card on my record (Capital One). This was to be?paid by?x-wife but showed up on my credit report. My oldest daughter's husband is laid off. She has two children and I would like to give her $5,000 to help he with her living expenses.??
My financial situation:
I am a good candidate for this loan because I have $1,000 in revolving credit, a $13,000 car loan and the outstanding $5,000 to Capital?One.?I earn $158,000 a year and rent and have?ver small monthly living expenses. I have dug myself out of debt and my credit?scores have risen and will continue to rise now that I have finished my divorce obligations. I have put 4 children through college and they are?now employed and on their own. My situation is on the rise and I am rebuilding my life and future....post divorce.?
Monthly net income: $ 9,140
Monthly expenses: $
??Housing: $ 1,073
??Insurance: $ 77
??Car expenses: $?280
??Utilities: $ 0
??Phone, cable, internet: $ 200
??Food, entertainment: $ 200
??Clothing, household expenses $ 200
??Credit cards and other loans: $ 240
??Other expenses: $ 0
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
482936
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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:
| 18.30% | | |
| | |
|
Starting lender yield:
| 34.00% |
Starting borrower rate/APR:
| 35.00% / 39.15% |
Starting monthly payment:
| $67.85 |
|
Auction yield range:
| 16.57% - 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:
| Oct-2002 |
Debt/Income ratio:
| 9% |
Credit score:
| 640-659 (Nov-2010) |
Inquiries last 6m:
| 0 | Employment status: | Employed |
Now delinquent:
| 0 |
Current / open credit lines:
| 4
/
4 | Length of status: | 4y 5m |
Amount delinquent:
| $0 |
Total credit lines:
| 8 |
Occupation: | Construction |
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $2,334 | Stated income: | $50,000-$74,999 |
Delinquencies in last 7y:
| 3 |
Bankcard utilization:
| 94% | | |
| |
Homeownership:
| Yes | | |
Screen name:
| influential-currency0 |
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
Disney!Firewood!Washer & Dryer!
Purpose of loan:
This loan will be used to give us a spending cushion($500) on our coming Disney World vacation next month, I want my family to have a good time as it's?our first vacation and we might not be able to go again.? The second purpose is? for firewood to heat my home I usually cut my own wood for free, but since I've been working so much I will have to buy it ($340).? Finally my wife purchased a washer & dryer with 0% interest and time is running out to pay it off I would like to pay it off to avoid her having to pay back intrest on a year.($600)
My financial situation:
I am a good candidate for this loan because I have a stable career as a union roofer and have been working full time with no layoffs expected this year.?
Monthly net income: $ 3000
Monthly expenses: $
??Housing: $449
??Insurance: $53
??Car expenses: $300
??Utilities: $138
??Phone, cable, internet: $91
??Food, entertainment: $300
??Clothing, household expenses $100
??Credit cards and other loans: $205
??Other expenses: $117
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
482942
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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:
| 18.30% | | |
| | |
|
Starting lender yield:
| 17.00% |
Starting borrower rate/APR:
| 18.00% / 21.35% |
Starting monthly payment:
| $271.14 |
|
Auction yield range:
| 16.57% - 17.00% |
Estimated loss impact:
| 19.24% | | |
Lender servicing fee:
| 1.00% |
Estimated return:
| -2.24% | | |
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10):
| 4 |
First credit line:
| Feb-1986 |
Debt/Income ratio:
| 22% |
Credit score:
| 720-739 (Nov-2010) |
Inquiries last 6m:
| 6 | Employment status: | Employed |
Now delinquent:
| 0 |
Current / open credit lines:
| 15
/
12 | Length of status: | 10y 3m |
Amount delinquent:
| $0 |
Total credit lines:
| 43 |
Occupation: | Professional |
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $33,839 | Stated income: | $50,000-$74,999 |
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 70% | | |
| |
Homeownership:
| Yes | | |
Screen name:
| income-encourager |
Borrower's state:
| Massachusetts |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Description
FUNDS FOR SALE OF HOME SHORT
Purpose of loan:
This loan will be used to? FINALIZE SALE OF OUR HOME. COULD NOT SELL AT A PRICE TO COVER R.E. COMISSION.
My financial situation:
I am a good candidate for this loan because?ONCE HOME IS SOLD I WILL SUBTRACT 315,000 IN DEBT. I AM NOT DELINQUENT ON ANY DEBTS THAT I OWE. I PAY ON TIME
Monthly net income: $ 62,000.00
Monthly expenses: $
??Housing: $ 2100.00
??Insurance: $ INCLUDED
??Car expenses: $FULLY PAID??Utilities: $ 150.00
??Phone, cable, internet: $ 100.00
??Food, entertainment: $ 100.00????
??Clothing, household expenses $ 150.00
??Credit cards and other loans: $ 900.00
??Other expenses: $
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
473575
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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:
| 10.80% | | |
| | |
|
Starting lender yield:
| 26.50% |
Starting borrower rate/APR:
| 27.50% / 31.05% |
Starting monthly payment:
| $308.20 |
|
Auction yield range:
| 10.57% - 26.50% |
Estimated loss impact:
| 11.46% | | |
Lender servicing fee:
| 1.00% |
Estimated return:
| 15.04% | | |
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10):
| 7 |
First credit line:
| Aug-1997 |
Debt/Income ratio:
| 19% |
Credit score:
| 680-699 (Nov-2010) |
Inquiries last 6m:
| 1 | Employment status: | Employed |
Now delinquent:
| 1 |
Current / open credit lines:
| 7
/
7 | Length of status: | 3y 5m |
Amount delinquent:
| $878 |
Total credit lines:
| 20 |
Occupation: | Nurse (RN) |
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $355 | Stated income: | $75,000-$99,999 |
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 25% | | |
| |
Homeownership:
| No | | |
Screen name:
| interest-mad-scientist |
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
Wedding Expenses
Purpose of loan:
This loan will be used to?buy the ring.
My financial situation:
I am a good candidate for this loan because I work hard at two jobs and pay all my bills on time.? My credit isn't that great now from stupid mistakes that I made while I was in college.? I have since taken care of all of those mistakes and have been on the straight and narrow ever since.
Monthly net income: $ 6000
Monthly expenses: $
??Housing: $ 1500????
??Insurance: $ 140
??Car expenses: $ 700
??Utilities: $?100
??Phone, cable, internet: $ 300
??Food, entertainment: $ 200
??Clothing, household expenses $ 500
??Credit cards and other loans: $ 300
??Other expenses: $
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
474029
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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:
| 10.80% | | |
| | |
|
Starting lender yield:
| 26.50% |
Starting borrower rate/APR:
| 27.50% / 31.05% |
Starting monthly payment:
| $308.20 |
|
Auction yield range:
| 10.57% - 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-1998 |
Debt/Income ratio:
| 31% |
Credit score:
| 720-739 (Nov-2010) |
Inquiries last 6m:
| 2 | Employment status: | Employed |
Now delinquent:
| 0 |
Current / open credit lines:
| 4
/
2 | Length of status: | 5y 5m |
Amount delinquent:
| $0 |
Total credit lines:
| 9 |
Occupation: | Administrative Assi... |
Public records last 12m / 10y:
| 0/ 1 |
Revolving credit balance:
| $72 | Stated income: | $1-$24,999 |
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 18% | | |
| |
Homeownership:
| No | | |
Screen name:
| open-integrity |
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
An A+ student wanting to graduate
Purpose of loan:
This loan will be used to fund the last two quarters of college at UC Riverside. I had an interruption when I was younger and have thus run out of options when it comes to federal funding for my final year. I have a 4.0 GPA and two more quarters in order to graduate.
My financial situation: In six months, I will be returning home to live with my family while working full time to pay back my loans and put my shiny new bachelor's degree to good use. I have a full time job currently which will remain in effect for the near future as I'm indispensable to my company. I'm also looking for an additional part-time job to help supplement my income and pay for more of my education.
I am a good candidate for this loan because I do have a guaranteed job when I graduate, but there are other reasons. I'm 30 years old and want nothing more than a complete education and financial security. This loan will do that for me in ways that nothing else will be able to do. I have sown all my wild financial oats and learned my lesson when it comes to paying my debts and I'm far more responsible than I was ten years ago. Please feel free to ask me any questions you might have regarding my financial past. I have already paid back one student loan in full and I assure you that I will treat your loan to me in the same fashion.
Monthly net income: $ 1800
Monthly expenses: $ 1100
??Housing: $700
??Insurance: $0.00
??Car expenses: $0.00 (Strictly a pedestrian looking to save money)
??Utilities: $0.00
??Phone, cable, internet: $75.00
??Food, entertainment: $200.00
??Clothing, household expenses: Minimal
??Credit cards and other loans: Minimal while I'm attending school
??Other expenses: Minimal
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
477457
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount:
| $2,500.00 |
Prosper Rating:
| HR |
Auction Duration:
| 7 days
|
Term:
| 36 months |
Estimated loss:
| 24.00% | | |
| | |
|
Starting lender yield:
| 34.00% |
Starting borrower rate/APR:
| 35.00% / 38.72% |
Starting monthly payment:
| $113.09 |
|
Auction yield range:
| 16.57% - 34.00% |
Estimated loss impact:
| 26.01% | | |
Lender servicing fee:
| 1.00% |
Estimated return:
| 7.99% | | |
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10):
| 2 |
First credit line:
| Aug-1983 |
Debt/Income ratio:
| 28% |
Credit score:
| 620-639 (Nov-2010) |
Inquiries last 6m:
| 1 | Employment status: | Employed |
Now delinquent:
| 2 |
Current / open credit lines:
| 14
/
10 | Length of status: | 23y 2m |
Amount delinquent:
| $1,228 |
Total credit lines:
| 33 |
Occupation: | Accountant/CPA |
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $24,751 | Stated income: | $75,000-$99,999 |
Delinquencies in last 7y:
| 1 |
Bankcard utilization:
| 98% | | |
| |
Homeownership:
| Yes | | |
Screen name:
| justice-master0 |
Borrower's state:
| Texas |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan history | Payment history | Credit score history |
Active / total loans:
| 1 / 1 |
On-time:
| 8 ( 80% )
| 620-639 (Latest)
|
Principal borrowed:
| $3,000.00 | < 31 days late:
| 2
( 20% )
| 640-659
(Sep-2010)
640-659
(Nov-2009)
|
Principal balance:
| $2,427.68 |
31+ days late:
| 0
( 0% )
|
Total payments billed:
| 10 | | |
Description
Rental Property
Purpose of loan:
This loan will be used to?
To repair a rental house that we own.? It is a small house that needs some small repairs to be ready to rent.? It should rent for around $500/month, and we currently have had several inquiries that will be interested once the repairs are complete.
My financial situation:
I am a good candidate for this loan because? I always pay my bills and have never had a charge off for any reason.? I know that my credit score is low due to some issues I have had in the past couple of years.? I have worked hard in the last year to resolve these issues.? There is still one account showing late on my report, but there is a payment plan worked out, and it should show current in the next couple of months.? I have reduced the amount owed on several of my credit cards in the past few months, but my credit score has still suffered because?I closed the accounts.? This caused my available credit to be zero on those accounts, which makes my score lower.? It will get better as time goes, and I have?paid down the accounts further.? I did this?because I wanted to eliminate all of my credit card debt, and I plan to?continue in that direction.? Also, I have had?a loan with Prosper for the past 10 months, and have made all of my payments.? It does show that I was late on 2?payments, and I?am not sure about one of those. I?know the first one was in the beginning of my loan,?due to an error with the banking information.??I don't know?of another time that I was late, so I am not sure why there are two payments showing late.? I have my payment electronically sent from my?bank account, and it is always?sent at least 8?to 10 days before the due date.???My?financial situation has improved drastically since the first loan, which I have made each payment, and I will not have any problem repaying this loan, if it is?granted.
Monthly net income: $ 7000
Monthly expenses: $ 6056
??Housing: $ 655
??Insurance: $ 489
??Car expenses: $ 515
??Utilities: $ 300
??Phone, cable, internet: $ 220
??Food, entertainment: $ 500
??Clothing, household expenses $ 200
??Credit cards and other loans: $ 3177
??Other expenses: $
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
481361
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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:
| 60 months |
Estimated loss:
| 5.95% | | |
| | |
|
Starting lender yield:
| 16.90% |
Starting borrower rate/APR:
| 17.90% / 19.33% |
Starting monthly payment:
| $380.09 |
|
Auction yield range:
| 6.06% - 16.90% |
Estimated loss impact:
| 6.24% | | |
Lender servicing fee:
| 1.00% |
Estimated return:
| 10.66% | | |
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10):
| 8 |
First credit line:
| Oct-1991 |
Debt/Income ratio:
| 26% |
Credit score:
| 720-739 (Oct-2010) |
Inquiries last 6m:
| 0 | Employment status: | Employed |
Now delinquent:
| 0 |
Current / open credit lines:
| 10
/
10 | Length of status: | 10y 8m |
Amount delinquent:
| $0 |
Total credit lines:
| 33 |
Occupation: | Other |
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $20,895 | Stated income: | $50,000-$74,999 |
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 64% | | |
| |
Homeownership:
| Yes | | |
Screen name:
| community-admiral |
Borrower's state:
| Indiana |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Description
Paying off credit cards
Purpose of loan:
This loan will be used to pay down and/or off my creidt cards.??I have some old debt that keeps nagging at me, that I want to get rid of.
My financial situation:
I am a good candidate for this loan because I have a good income, and good payment history, no late payments.? I do have debt, but am trying to restructure it into something that I can pay off quicker, by paying less in total interest.
Monthly net income: $ 3500
Monthly expenses: $?3000
??Housing: $?680
??Insurance: $
??Car expenses: $?380
??Utilities: $ 65
??Phone, cable, internet: $ 67
??Food, entertainment: $
??Clothing, household expenses $
??Credit cards and other loans: $ 1200
??Other expenses: $
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
482283
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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:
| 10.80% | | |
| | |
|
Starting lender yield:
| 14.00% |
Starting borrower rate/APR:
| 15.00% / 18.29% |
Starting monthly payment:
| $173.33 |
|
Auction yield range:
| 10.57% - 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:
| Jun-1991 |
Debt/Income ratio:
| 14% |
Credit score:
| 640-659 (Nov-2010) |
Inquiries last 6m:
| 0 | Employment status: | Employed |
Now delinquent:
| 3 |
Current / open credit lines:
| 6
/
6 | Length of status: | 3y 2m |
Amount delinquent:
| $56,945 |
Total credit lines:
| 24 |
Occupation: | Engineer - Electric... |
Public records last 12m / 10y:
| 0/ 1 |
Revolving credit balance:
| $3,879 | Stated income: | $50,000-$74,999 |
Delinquencies in last 7y:
| 4 |
Bankcard utilization:
| 65% | | |
| |
Homeownership:
| No | | |
Screen name:
| magical-contract8 |
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
"Need a miracle loan"
Purpose of loan:
This loan will be used to pay off a high interest credit card, and to help cover the cost of my Father's funeral.?
I will honestly answer any questions you may have.
My financial situation:
I am a good candidate for this loan because I have a good payment history over the past 4 years, on a credit card, and car payments and have a good job that I'm very thankful for.
Monthly net income: $
Approx $4500.
Monthly expenses: $
??Housing: $
900
??Insurance: $
150
??Car expenses: $50
??Utilities: $
120
??Phone, cable, internet: $
75
??Food, entertainment: $
200
??Clothing, household expenses $200
??Credit cards and other loans: $
100
??Other expenses: $
100
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
482381
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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:
| 36.60% | | |
| | |
|
Starting lender yield:
| 34.00% |
Starting borrower rate/APR:
| 35.00% / 38.72% |
Starting monthly payment:
| $339.27 |
|
Auction yield range:
| 16.57% - 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:
| Nov-1998 |
Debt/Income ratio:
| 54% |
Credit score:
| 640-659 (Nov-2010) |
Inquiries last 6m:
| 5 | Employment status: | Employed |
Now delinquent:
| 0 |
Current / open credit lines:
| 12
/
12 | Length of status: | 12y 7m |
Amount delinquent:
| $0 |
Total credit lines:
| 16 |
Occupation: | Construction |
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $9,589 | Stated income: | $25,000-$49,999 |
Delinquencies in last 7y:
| 3 |
Bankcard utilization:
| 77% | | |
| |
Homeownership:
| No | | |
Screen name:
| bold-return-comforter |
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
WORKING CAPITAL
Purpose of loan:
This loan will be used to?
My financial situation:
I am a good candidate for this loan because?
Monthly net income: $ 3100
Monthly expenses: $
??Housing: $ 700
??Insurance: $ 0
??Car expenses: $ 0
??Utilities: $ 100
??Phone, cable, internet: $ 90
??Food, entertainment: $ 125
??Clothing, household expenses $ 20
??Credit cards and other loans: $?900
??Other expenses: $ 0
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
482499
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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:
| 18.30% | | |
| | |
|
Starting lender yield:
| 34.00% |
Starting borrower rate/APR:
| 35.00% / 38.72% |
Starting monthly payment:
| $339.27 |
|
Auction yield range:
| 16.57% - 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:
| Apr-2005 |
Debt/Income ratio:
| Not calculated |
Credit score:
| 640-659 (Oct-2010) |
Inquiries last 6m:
| 4 | Employment status: | Employed |
Now delinquent:
| 1 |
Current / open credit lines:
| 8
/
7 | Length of status: | 5y 8m |
Amount delinquent:
| $213 |
Total credit lines:
| 16 |
Occupation: | Other |
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $7,989 | Stated income: | $25,000-$49,999 |
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 71% | | |
| |
Homeownership:
| No | | |
Screen name:
| return-solstice4 |
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
sending my wife to se her mom
Purpose of loan:
This loan will be used to? i want to send my wife and daughters to see her sick mom in shout america..
My financial situation:
I am a good candidate for this loan because? I had loan in the past and i pay off with no late payments.
Monthly net income: 6000 $
Monthly expenses: $
??Housing: $
??Insurance: $200
??Car expenses: $0
??Utilities: $150
??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
482547
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount:
| $1,500.00 |
Prosper Rating:
| HR |
Auction Duration:
| 7 days
|
Term:
| 36 months |
Estimated loss:
| 24.00% | | |
| | |
|
Starting lender yield:
| 16.57% |
Starting borrower rate/APR:
| 17.57% / 21.30% |
Starting monthly payment:
| $53.91 |
|
Auction yield range:
| 16.57% - 16.57% |
Estimated loss impact:
| 24.91% | | |
Lender servicing fee:
| 1.00% |
Estimated return:
| -8.34% | | |
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):
| 2 |
First credit line:
| Dec-1992 |
Debt/Income ratio:
| 20% |
Credit score:
| 680-699 (Nov-2010) |
Inquiries last 6m:
| 1 | Employment status: | Employed |
Now delinquent:
| 1 |
Current / open credit lines:
| 10
/
9 | Length of status: | 2y 10m |
Amount delinquent:
| $360 |
Total credit lines:
| 34 |
Occupation: | Other |
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $12,750 | Stated income: | $50,000-$74,999 |
Delinquencies in last 7y:
| 6 |
Bankcard utilization:
| 100% | | |
| |
Homeownership:
| Yes | | |
Screen name:
| prudent-pound6 |
Borrower's state:
| Georgia |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Description
Paying off debts to increase cash
Purpose of loan:
This loan will be used to pay off debts?to increase monthly cash flow.?
My financial situation:
I am a good candidate for this loan because I have never defaulted on a loan.?
Monthly net income: $? 3,500.
Monthly expenses: $ 3240.
??Housing: $ 1180.
??Insurance: $ 225
??Car expenses: $ 65.33
??Utilities: $ 245.
??Phone, cable, internet: $?145.
??Food, entertainment: $ 150.00
??Clothing, household expenses $ 40.
??Credit cards and other loans: $ 780.00
??Other expenses: $ 200.
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
482623
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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:
| 10.80% | | |
| | |
|
Starting lender yield:
| 14.00% |
Starting borrower rate/APR:
| 15.00% / 18.29% |
Starting monthly payment:
| $173.33 |
|
Auction yield range:
| 10.71% - 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):
| 5 |
First credit line:
| Mar-1994 |
Debt/Income ratio:
| Self-employed (DTI Not Calculated) |
Credit score:
| 780-799 (Nov-2010) |
Inquiries last 6m:
| 0 | Employment status: | Self-employed |
Now delinquent:
| 0 |
Current / open credit lines:
| 2
/
2 | Length of status: | 9y 5m |
Amount delinquent:
| $0 |
Total credit lines:
| 16 |
Occupation: | Professional |
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $0 | Stated income: | $100,000+ |
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 0% | | |
| |
Homeownership:
| No | | |
Screen name:
| dedication-explosion9 |
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
Working capital for real estate
Purpose of loan:
This loan will be used to provide working capital to manage an ongoing inventory of investor owned real estate
My financial situation:
I was interested to see that despite stellar credit?I received a D rating from prosper due to my being self employed and certain?credit?use information not being reported to experian.? I am a good candidate for this loan because I have a strong background in finance as an investment advisor.? I am looking to see how this loan process works?from a borrowers perspective prior to?trying peer to peer lending and the loan being contemplated is a modest amount in relation to my income and assets.??I currently run a successful financial advisory firm, am a certified financial planner and manage a small private equity offering that invests in distressed real estate.?? I am a serial?entrepeneaur and love the concept of peer?to peer lending for small business lending although as a CFP I have a hard time with people getting these types of loans for wedding rings etc.??I believe they enable questions please ask what you like. ??
Monthly net income: $ 16000????
Monthly expenses: $
??Housing: $ 3300????
??Insurance: $ 700
??Car expenses: $ 500
??Utilities: $ 250
??Phone, cable, internet: $ 200????
??Food, entertainment: $ 500????
??Clothing, household expenses $ 400????
??Credit cards and other loans: $ 250
??Other expenses: $
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
482661
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount:
| $3,600.00 |
Prosper Rating:
| D |
Auction Duration:
| 7 days
|
Term:
| 36 months |
Estimated loss:
| 10.80% | | |
| | |
|
Starting lender yield:
| 26.50% |
Starting borrower rate/APR:
| 27.50% / 31.05% |
Starting monthly payment:
| $147.94 |
|
Auction yield range:
| 10.71% - 26.50% |
Estimated loss impact:
| 11.46% | | |
Lender servicing fee:
| 1.00% |
Estimated return:
| 15.04% | | |
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10):
| 7 |
First credit line:
| Jan-2006 |
Debt/Income ratio:
| Not calculated |
Credit score:
| 660-679 (Nov-2010) |
Inquiries last 6m:
| 0 | Employment status: | Employed |
Now delinquent:
| 0 |
Current / open credit lines:
| 8
/
5 | Length of status: | 1y 1m |
Amount delinquent:
| $0 |
Total credit lines:
| 11 |
Occupation: | Executive |
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $1,771 | Stated income: | $25,000-$49,999 |
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 69% | | |
| |
Homeownership:
| No | | |
Screen name:
| trumpeter3 |
Borrower's state:
| Connecticut |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Description
Secure Investment
Purpose of loan:
This loan will be used to secure various electronic devices at wholesale price and part of the loan will be used for advertisement of my company www.uniquedriver.com
My financial situation:
I am a good candidate for this loan because i currently have a list of clients that would be willing to purchase the electronics.
Monthly net income: $2,800
Monthly expenses: $
??Housing: $500.00
??Insurance: $130.00
??Car expenses: $75.00 every 3 Months
??Utilities: $126.00
??Phone, cable, internet: $125.00
??Food, entertainment: $Varies
??Clothing, household expenses $75.00
??Credit cards and other loans: $300.00
??Other expenses: $N/A
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
482685
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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:
| 24.00% | | |
| | |
|
Starting lender yield:
| 24.00% |
Starting borrower rate/APR:
| 25.00% / 28.50% |
Starting monthly payment:
| $298.20 |
|
Auction yield range:
| 16.57% - 24.00% |
Estimated loss impact:
| 25.38% | | |
Lender servicing fee:
| 1.00% |
Estimated return:
| -1.38% | | |
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10):
| 2 |
First credit line:
| Dec-1994 |
Debt/Income ratio:
| 47% |
Credit score:
| 680-699 (Oct-2010) |
Inquiries last 6m:
| 2 | Employment status: | Employed |
Now delinquent:
| 0 |
Current / open credit lines:
| 13
/
12 | Length of status: | 17y 9m |
Amount delinquent:
| $0 |
Total credit lines:
| 62 |
Occupation: | Truck Driver |
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $10,806 | Stated income: | $50,000-$74,999 |
Delinquencies in last 7y:
| 2 |
Bankcard utilization:
| 66% | | |
| |
Homeownership:
| Yes | | |
Screen name:
| jeepsters |
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.
Prosper Activity
Loan history | Payment history | Credit score history |
Active / total loans:
| 1 / 2 |
On-time:
| 42 ( 100% )
| 680-699 (Latest)
|
Principal borrowed:
| $14,000.00 | < 31 days late:
| 0
( 0% )
| 680-699
(Jan-2010)
600-619
(Mar-2007)
|
Principal balance:
| $4,116.07 |
31+ days late:
| 0
( 0% )
|
Total payments billed:
| 42 | | |
Description
NEVER GIVE UP!
Purpose of loan: Dear Lenders, Our plan is to use this loan to pay off our existing 401k loan that is at 9.25%. We would than get a new loan at the current rate at 4.25%. The funds we would receive form this new loan would be used to pay off and close some personal loans and a credit card. This action would net us a savings of about $1000.00 per month. This would also help get our credit score up over 700, we are looking for 720 or better. Once we have that we can lower our auto loans from 6.5% to 3.9% at our Credit Union. We than can also get a premium rate to refinance our house and save another $400.00 to $500.00 per month. We would like to thank all the Lenders for taking the time to review our loan.
My financial situation: We feel that we are good candidates for this loan as we have been working towards rebuilding our credit for the last several years. When we received our first loan from the people of Prosper our credit score had crashed below 600. Today it is above 680. Our work history is solid and we have not missed or been late on a single payment since we started this journey over three plus years ago. We are hard working Honest folks that had a medical crises years back, we didn?t give up. WE TRIED HARDER!
Monthly net income: $ 5100.00
Monthly expenses: $
??Housing: $ 1400
??Insurance: $ 184
??Car expenses: $ 540
??Utilities: $ 150?
??Phone, cable, internet: $ 89
??Food, entertainment: $?425
??Clothing, household expenses $?150
??Credit cards and other loans: $?1356??
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
482715
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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:
| D |
Auction Duration:
| 7 days
|
Term:
| 36 months |
Estimated loss:
| 10.80% | | |
| | |
|
Starting lender yield:
| 26.50% |
Starting borrower rate/APR:
| 27.50% / 31.05% |
Starting monthly payment:
| $267.11 |
|
Auction yield range:
| 10.57% - 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:
| Feb-1997 |
Debt/Income ratio:
| 7% |
Credit score:
| 640-659 (Nov-2010) |
Inquiries last 6m:
| 0 | Employment status: | Employed |
Now delinquent:
| 3 |
Current / open credit lines:
| 5
/
5 | Length of status: | 0y 9m |
Amount delinquent:
| $688 |
Total credit lines:
| 27 |
Occupation: | Computer Programmer |
Public records last 12m / 10y:
| 0/ 2 |
Revolving credit balance:
| $5,142 | Stated income: | $75,000-$99,999 |
Delinquencies in last 7y:
| 5 |
Bankcard utilization:
| 69% | | |
| |
Homeownership:
| No | | |
Screen name:
| CaptEdwardTeach |
Borrower's state:
| SouthCarolina |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Description
New motorcycle for longer rides
Purpose of loan:
This loan will be used to?
purchase a new motorcycle. This is a bike I've had my eyes on for quite some time, and the particular unit I will purchase with this loan is significantly below book value, low mileage and no damage. (1999 Honda Valkyrie Interstate, 16,750 miles)
My financial situation:
I am a responsible person capable of repaying this note despite some blemishes on my credit. I have a solid position within my company and do not expect my employment will change during the life of this loan. I also have an account coming to maturity on November 12th that will free up $200 per month to satisfy the proposed loan payment here. I approached this company to make the loan, however, they placed too many conditions and caveats on making the loan that I chose to take my business here to Prosper. I have been a lender here on Prosper for a couple years now and understand the value and purpose of Prosper in the marketplace. I would actually prefer to make my loan here than with a "traditional" lender.
Monthly net income: $ 4,500
Monthly expenses: $
??Housing: $
900
??Insurance: $
120
??Car expenses: $
150
??Utilities: $
120
??Phone, cable, internet: $
160
??Food, entertainment: $
300
??Clothing, household expenses $
100
??Credit cards and other loans: $
400
??Other expenses: $
n/a
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
482727
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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:
| B |
Auction Duration:
| 7 days
|
Term:
| 36 months |
Estimated loss:
| 5.95% | | |
| | |
|
Starting lender yield:
| 12.49% |
Starting borrower rate/APR:
| 13.49% / 15.64% |
Starting monthly payment:
| $220.55 |
|
Auction yield range:
| 5.57% - 12.49% |
Estimated loss impact:
| 6.16% | | |
Lender servicing fee:
| 1.00% |
Estimated return:
| 6.33% | | |
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should 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-1979 |
Debt/Income ratio:
| Self-employed (DTI Not Calculated) |
Credit score:
| 800-819 (Oct-2010) |
Inquiries last 6m:
| 0 | Employment status: | Self-employed |
Now delinquent:
| 0 |
Current / open credit lines:
| 9
/
7 | Length of status: | 1y 11m |
Amount delinquent:
| $0 |
Total credit lines:
| 14 |
Occupation: | Accountant/CPA |
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $3,698 | Stated income: | $25,000-$49,999 |
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 8% | | |
| |
Homeownership:
| No | | |
Screen name:
| deal-doctor3 |
Borrower's state:
| Ohio |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Description
Paying Off Credit Card and Hardwood
Hello All! I would be a great candidate for this loan because of my EXCELLENT credit history, which has 0 negative items. I have never paid anything so much as a day late. I am a young professional that just got married. We swore off credit cards after seeing what they did to other members of our family. This loan will pay off the $3500 or so we have left in Credit Card debt that is at very high interest rates and the other $3000 will pay off Hardwood flooring that we just had installed in our house.
I have a NET income of $2500 per month.
I realize that I could "save up" and pay these things off in a few months, but that is easier said than done. I would like to have a set payment schedule that I can pay, and pay off quicker if things allow. I expect to pay the loan off in 12-18 months.
Thanks!
My expenses are:
Car: $325.00
Utilities: $350.00
Insurance: $200.00
Gas: $200
Food:$300
Misc Bills: 125.00
I have no rent or mortgage because I live rent free in a family owned house.
Sorry this has been reposted twice, but I adjusted the rate to ensure funding.
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
482733
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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:
| 18.30% | | |
| | |
|
Starting lender yield:
| 34.00% |
Starting borrower rate/APR:
| 35.00% / 38.72% |
Starting monthly payment:
| $339.27 |
|
Auction yield range:
| 16.57% - 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:
| Jul-1995 |
Debt/Income ratio:
| 31% |
Credit score:
| 740-759 (Nov-2010) |
Inquiries last 6m:
| 1 | Employment status: | Employed |
Now delinquent:
| 0 |
Current / open credit lines:
| 7
/
7 | Length of status: | 10y 9m |
Amount delinquent:
| $0 |
Total credit lines:
| 45 |
Occupation: | Medical Technician |
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $7,494 | Stated income: | $25,000-$49,999 |
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 47% | | |
| |
Homeownership:
| Yes | | |
Screen name:
| adoptionneeds |
Borrower's state:
| Mississippi |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Description
adoption expenses
Purpose of loan:
This loan will be used to? finance an adoption
My financial situation:
I am a good candidate for this loan because? am responsible and pay my bills always and on time
Monthly net income: $ 5000
Monthly expenses: $ 3385
??Housing: $ 1100
??Insurance: $ 400
??Car expenses: $ 500
??Utilities: $ 400
??Phone, cable, internet: $ 85
??Food, entertainment: $ 400
??Clothing, household expenses $ 200
??Credit cards and other loans: $ 300
??Other expenses: $
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
482753
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount:
| $1,500.00 |
Prosper Rating:
| D |
Auction Duration:
| 7 days
|
Term:
| 36 months |
Estimated loss:
| 10.80% | | |
| | |
|
Starting lender yield:
| 26.50% |
Starting borrower rate/APR:
| 27.50% / 31.46% |
Starting monthly payment:
| $61.64 |
|
Auction yield range:
| 10.57% - 26.50% |
Estimated loss impact:
| 11.46% | | |
Lender servicing fee:
| 1.00% |
Estimated return:
| 15.04% | | |
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10):
| 7 |
First credit line:
| Jul-2003 |
Debt/Income ratio:
| 3% |
Credit score:
| 640-659 (Nov-2010) |
Inquiries last 6m:
| 1 | Employment status: | Employed |
Now delinquent:
| 2 |
Current / open credit lines:
| 3
/
3 | Length of status: | 0y 6m |
Amount delinquent:
| $749 |
Total credit lines:
| 8 |
Occupation: | Professional |
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $1,673 | Stated income: | $25,000-$49,999 |
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 16% | | |
| |
Homeownership:
| No | | |
Screen name:
| christinefeen |
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
Purpose of loan:
This loan will be used to? Consolidate two higher interest credit cards.
My financial situation:
I am a good candidate for this loan because?I have stable employment and make a good yearly income.
Monthly net income: $
3262.00
Monthly expenses: $
??Housing: $
850.00
??Insurance: $
120.00
??Car expenses: $
200.00
??Utilities: $
100.00
??Phone, cable, internet: $
200.00
??Food, entertainment: $
300.00
??Clothing, household expenses $
200.00
??Credit cards and other loans: $ 200.00
??Other expenses: $ 300.00 day care
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
482761
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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:
| 3.50% | | |
| | |
|
Starting lender yield:
| 9.95% |
Starting borrower rate/APR:
| 10.95% / 13.07% |
Starting monthly payment:
| $245.36 |
|
Auction yield range:
| 3.57% - 9.95% |
Estimated loss impact:
| 3.53% | | |
Lender servicing fee:
| 1.00% |
Estimated return:
| 6.42% | | |
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10):
| 9 |
First credit line:
| Dec-1987 |
Debt/Income ratio:
| 7% |
Credit score:
| 800-819 (Nov-2010) |
Inquiries last 6m:
| 1 | Employment status: | Other |
Now delinquent:
| 0 |
Current / open credit lines:
| 6
/
5 | Length of status: | 10y 9m |
Amount delinquent:
| $0 |
Total credit lines:
| 17 | Stated income: | $50,000-$74,999 |
Public records last 12m / 10y:
| 0/ 1 |
Revolving credit balance:
| $2,141 | |
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 28% | | |
| |
Homeownership:
| Yes | | |
Screen name:
| principal-smasher4 |
Borrower's state:
| Arizona |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Description
Home Improvement
Purpose of loan:
This loan will be used to finish improvements. Although the value of the house has declined here in Arizona we intend to stay. We have completed many improvements: tile throughout house, new roof, ac, solar hot water, resurface pool, replaced pool mechanics, front yard landscape. Want to finish improvements by painting house interior and landscape backyard.
My financial situation:
I am a good candidate for this loan because I have paid all bills on time . Had bankruptcy discharged in 2004. This was due to over extension because we were helping my two children who had cancer illnesses and died within 15 months of each other. Since then we have paid bills on time. Had $15,000 GEMB account but didn't realize this. Had checked into solar and vendor opened credit account for us. This could only be used at that vendor so closed account. Although our mortgage principal is high our interest rate is only 2%. We are working on lowering this by paying extra on principal. I have one open account which is a personal loan with a balance of about $2200. This payment has never been late. We have completed a budget and the payment for this loan is something we could easily afford. Thank you for your consideration of this request.
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
482773
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount:
| $1,200.00 |
Prosper Rating:
| HR |
Auction Duration:
| 7 days
|
Term:
| 36 months |
Estimated loss:
| 36.60% | | |
| | |
|
Starting lender yield:
| 34.00% |
Starting borrower rate/APR:
| 35.00% / 40.24% |
Starting monthly payment:
| $54.28 |
|
Auction yield range:
| 16.57% - 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-2000 |
Debt/Income ratio:
| Not calculated |
Credit score:
| 620-639 (Oct-2010) |
Inquiries last 6m:
| 3 | Employment status: | Employed |
Now delinquent:
| 0 |
Current / open credit lines:
| 14
/
13 | Length of status: | 0y 3m |
Amount delinquent:
| $0 |
Total credit lines:
| 37 |
Occupation: | Teacher |
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $5,571 | Stated income: | $25,000-$49,999 |
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 99% | | |
| |
Homeownership:
| No | | |
Screen name:
| hutogw |
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:
| 0 / 1 |
On-time:
| 24 ( 100% )
| 620-639 (Latest)
|
Principal borrowed:
| $1,800.00 | < 31 days late:
| 0
( 0% )
| 760-779
(Aug-2008)
|
Principal balance:
| $0.00 |
31+ days late:
| 0
( 0% )
|
Total payments billed:
| 24 | | |
Description
Paying for Teaching Certification
Purpose of loan:
I recently got a new position as a teacher in Baltimore City, after having been unemployed for a little over a year.? Since I did not go to school to become a teacher, I opted for a alternative route program where I can get certified in three years.? Because of this, I have to pay for classes which will enable me to become a fully certified teacher, my ultimate goal.? I will use the money to pay for my first year's class.
My financial situation:
I am a good candidate for this loan because I have never defaulted on a loan and will make sure that all of my creditors are paid.
Monthly net income: $
48,184
Monthly expenses: $
??Housing: $905
??Insurance: $0
??Car expenses: $387
??Utilities: $0
??Phone, cable, internet: $98
??Food, entertainment: $50
??Clothing, household expenses $40
??Credit cards and other loans: $200
??Other expenses: $
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
482785
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount:
| $1,500.00 |
Prosper Rating:
| D |
Auction Duration:
| 7 days
|
Term:
| 36 months |
Estimated loss:
| 10.80% | | |
| | |
|
Starting lender yield:
| 13.99% |
Starting borrower rate/APR:
| 14.99% / 18.66% |
Starting monthly payment:
| $51.99 |
|
Auction yield range:
| 10.57% - 13.99% |
Estimated loss impact:
| 11.11% | | |
Lender servicing fee:
| 1.00% |
Estimated return:
| 2.88% | | |
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10):
| 8 |
First credit line:
| Oct-2006 |
Debt/Income ratio:
| 10% |
Credit score:
| 680-699 (Oct-2010) |
Inquiries last 6m:
| 1 | Employment status: | Employed |
Now delinquent:
| 0 |
Current / open credit lines:
| 6
/
5 | Length of status: | 0y 1m |
Amount delinquent:
| $0 |
Total credit lines:
| 15 |
Occupation: | Retail Management |
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $1,870 | Stated income: | $25,000-$49,999 |
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 61% | | |
| |
Homeownership:
| No | | |
Screen name:
| vivid-listing1 |
Borrower's state:
| NewYork |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Description
Consolidating Debt
Purpose of loan:
I plan on using this loan to consolidate debt taken on before the recession. Recently my credit card companies have jacked my interest rates, sometimes doubling them! I am hoping to consolidate all my credit card debt at a reasonable rate and close out unneeded accounts.
In addition, my computer recently died and I had to spend $500 on a new one. I didn't want to take on the extra debt but I had to since a lot of my school work is done online. This loan will help to cover that expense at a reasonable rate.
My financial situation:
I am a good candidate for this loan because I am a hard working person who believes in treating others the way you would want to be treated. I try to honor my word and I have never been late on a bill- never. In addition, I have done a lot recently to straighten out my financial situation. Over the past 6 months I have been able to raise my credit scores by an average of 70 points. In fact, I am just a few points away from the sought after 700+ rating!
Monthly net income: $
I make approximately $2,500 per month.
Monthly expenses: $
??Housing: $
625
??Insurance: $
8
? Transportation: $105
??Utilities: $
50
??Phone, cable, internet: $
140
??Food, entertainment: $ 350
??Clothing, household expenses $
250
??Credit cards and other loans: $
400
??Other expenses: $ 400
I was able to list this loan two weeks ago and it was fully funded. However, due to an error in my address I was forced to withdraw the loan request and am now requesting it once more. I want to thank you for taking the time to consider my application.
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
482791
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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:
| 24.00% | | |
| | |
|
Starting lender yield:
| 34.00% |
Starting borrower rate/APR:
| 35.00% / 38.72% |
Starting monthly payment:
| $90.47 |
|
Auction yield range:
| 16.57% - 34.00% |
Estimated loss impact:
| 26.01% | | |
Lender servicing fee:
| 1.00% |
Estimated return:
| 7.99% | | |
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10):
| 2 |
First credit line:
| Jul-1990 |
Debt/Income ratio:
| 12% |
Credit score:
| 660-679 (Oct-2010) |
Inquiries last 6m:
| 1 | Employment status: | Employed |
Now delinquent:
| 1 |
Current / open credit lines:
| 9
/
9 | Length of status: | 4y 8m |
Amount delinquent:
| $3,956 |
Total credit lines:
| 50 |
Occupation: | Professional |
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $432 | Stated income: | $100,000+ |
Delinquencies in last 7y:
| 21 |
Bankcard utilization:
| 0% | | |
| |
Homeownership:
| Yes | | |
Screen name:
| jmart30702 |
Borrower's state:
| NewYork |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan history | Payment history | Credit score history |
Active / total loans:
| 1 / 1 |
On-time:
| 9 ( 100% )
| 660-679 (Latest)
|
Principal borrowed:
| $2,000.00 | < 31 days late:
| 0
( 0% )
| 700-719
(Jan-2010)
720-739
(Dec-2009)
720-739
(Nov-2009)
680-699
(Sep-2009)
|
Principal balance:
| $1,647.28 |
31+ days late:
| 0
( 0% )
|
Total payments billed:
| 9 | | |
Description
Paying off more credit cards
Purpose of loan:
This loan will be used to? Paying off more credit cards
My financial situation:
I am a good candidate for this loan because? I have a loan open?with prosper and paying on time for 9 months
Monthly net income: $ 6800
Monthly expenses: $
??Housing: $ 2500
??Insurance: $?75
??Car expenses: $ 400
??Utilities: $ 160
??Phone, cable, internet: $ 200
??Food, entertainment: $?400
??Clothing, household expenses $ 100
??Credit cards and other loans: $ 160
??Other expenses: $ 300
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
482799
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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:
| 18.30% | | |
| | |
|
Starting lender yield:
| 34.00% |
Starting borrower rate/APR:
| 35.00% / 38.72% |
Starting monthly payment:
| $339.27 |
|
Auction yield range:
| 16.57% - 34.00% |
Estimated loss impact:
| 20.31% | | |
Lender servicing fee:
| 1.00% |
Estimated return:
| 13.69% | | |
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10):
| 4 |
First credit line:
| Mar-2001 |
Debt/Income ratio:
| 49% |
Credit score:
| 680-699 (Nov-2010) |
Inquiries last 6m:
| 2 | Employment status: | Employed |
Now delinquent:
| 0 |
Current / open credit lines:
| 12
/
9 | Length of status: | 7y 5m |
Amount delinquent:
| $0 |
Total credit lines:
| 36 |
Occupation: | Social Worker |
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $20,189 | Stated income: | $25,000-$49,999 |
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 74% | | |
| |
Homeownership:
| No | | |
Screen name:
| paymoneybk |
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
IMEDIATE STUDENT LOAN
Purpose of loan:
This loan will be used to pay student loans off.
My financial situation:
I am a good candidate for this loan because I work two jobs, and am married.? Both me and the wife work.? I need to pay this student loan off so I can get my transcripts released so that I can get a job promotion which will increase my job salary by 20K.
Monthly net income: $
5000 ????
Monthly expenses: $ 3500
??Housing: $
1000
??Insurance: $
200
??Car expenses: $700
??Utilities: $
100
??Phone, cable, internet: $100
??Food, entertainment: $
0
??Clothing, household expenses $0
??Credit cards and other loans: $
900
??Other expenses: $
0
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
482803
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount:
| $3,000.00 |
Prosper Rating:
| HR |
Auction Duration:
| 7 days
|
Term:
| 36 months |
Estimated loss:
| 24.00% | | |
| | |
|
Starting lender yield:
| 34.00% |
Starting borrower rate/APR:
| 35.00% / 38.72% |
Starting monthly payment:
| $135.71 |
|
Auction yield range:
| 16.57% - 34.00% |
Estimated loss impact:
| 26.01% | | |
Lender servicing fee:
| 1.00% |
Estimated return:
| 7.99% | | |
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10):
| 3 |
First credit line:
| Oct-1998 |
Debt/Income ratio:
| 15% |
Credit score:
| 640-659 (Nov-2010) |
Inquiries last 6m:
| 0 | Employment status: | Employed |
Now delinquent:
| 3 |
Current / open credit lines:
| 9
/
9 | Length of status: | 4y 11m |
Amount delinquent:
| $2,020 |
Total credit lines:
| 33 |
Occupation: | Sales - Retail |
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $2,904 | Stated income: | $25,000-$49,999 |
Delinquencies in last 7y:
| 26 |
Bankcard utilization:
| 94% | | |
| |
Homeownership:
| No | | |
Screen name:
| green-credit-ace |
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
New car to zoom zoom
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
482807
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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:
| 8.70% | | |
| | |
|
Starting lender yield:
| 9.00% |
Starting borrower rate/APR:
| 10.00% / 13.19% |
Starting monthly payment:
| $322.67 |
|
Auction yield range:
| 7.57% - 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:
| Oct-1974 |
Debt/Income ratio:
| Not calculated |
Credit score:
| 840-859 (Nov-2010) |
Inquiries last 6m:
| 1 | Employment status: | Other |
Now delinquent:
| 0 |
Current / open credit lines:
| 9
/
9 | Length of status: | 1y 0m |
Amount delinquent:
| $0 |
Total credit lines:
| 18 |
Occupation: | Other |
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $5,319 | Stated income: | $25,000-$49,999 |
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 9% | | |
| |
Homeownership:
| Yes | | |
Screen name:
| ideal-bill1 |
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
Authenticting collection
Purpose of loan:
This loan will be used to get art to auction.
My financial situation:Solid , $60k cash in bank
I am a good candidate for this loan because I have had very (810+) high credit scores all my life. I have significant retirement savings. I have very high equity in three homes in very desirable neighborhoods, Brentwood CA , Central coast wine country.
I don't really need this loan because I could use other available credit but I rather would go private than pay the banksters .
Monthly net income: $
Monthly expenses: $
??Housing: $
??Insurance: $
??Car expenses: $ I own Two cars outright
??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
482809
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount:
| $7,500.00 |
Prosper Rating:
| E |
Auction Duration:
| 7 days
|
Term:
| 36 months |
Estimated loss:
| 14.20% | | |
| | |
|
Starting lender yield:
| 33.35% |
Starting borrower rate/APR:
| 34.35% / 38.06% |
Starting monthly payment:
| $336.52 |
|
Auction yield range:
| 13.57% - 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:
| Mar-1987 |
Debt/Income ratio:
| 19% |
Credit score:
| 680-699 (Nov-2010) |
Inquiries last 6m:
| 0 | Employment status: | Employed |
Now delinquent:
| 1 |
Current / open credit lines:
| 14
/
11 | Length of status: | 4y 3m |
Amount delinquent:
| $10,193 |
Total credit lines:
| 29 |
Occupation: | Executive |
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $17,979 | Stated income: | $100,000+ |
Delinquencies in last 7y:
| 23 |
Bankcard utilization:
| 91% | | |
| |
Homeownership:
| Yes | | |
Screen name:
| Lauren72 |
Borrower's state:
| Illinois |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan history | Payment history | Credit score history |
Active / total loans:
| 1 / 1 |
On-time:
| 29 ( 85% )
| 680-699 (Latest)
|
Principal borrowed:
| $20,000.00 | < 31 days late:
| 5
( 15% )
| 640-659
(Dec-2007)
|
Principal balance:
| $1,591.13 |
31+ days late:
| 0
( 0% )
|
Total payments billed:
| 34 | | |
Description
2nd Prosper Loan - Debt Elimination
THE DELINQUENT ACCOUNT IS WITH COUNTRYWIDE MORTGAGE FROM 1998 (SOLD REAL ESTATE) IT SURFACED WHEN COUNTRYWIDE WAS RECENTLY PURCHASED BY BANK OF AMERICA. I'M DISPUTING THE OBLIGATION.
Purpose of loan:
This loan will be used to pay down and eliminate credit card debt.
My financial situation: I'm making great progress against my multi-year plan to eliminate all of my credit card debt. I'm currently employed, but continue to feel the effects of when I was laid off in 2004 and forced to liquidate all of my personal assets (savings, stocks, bonds, 401K) to avoid bankruptcy.
I am a good candidate for this loan because of my payment performance on my first Prosper loan - this loan is payment is 32% less - excellent cash flow, and stable employment (4 years with the same company - I made it through the most difficult portion of the US economic recession/reset).
Monthly net income: $ 12,500
Monthly expenses: $
??Housing: $2,500
??Insurance: $150
??Car expenses: $600
??Utilities: $90
??Phone, cable, internet: $100
??Food, entertainment: $400
??Clothing, household expenses $75
??Credit cards and other loans: $250
??Other expenses: $200
Prosper 1st loan: 732 (2 payments remaining)
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
482819
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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:
| 5.95% | | |
| | |
|
Starting lender yield:
| 13.90% |
Starting borrower rate/APR:
| 14.90% / 17.07% |
Starting monthly payment:
| $519.25 |
|
Auction yield range:
| 5.57% - 13.90% |
Estimated loss impact:
| 6.18% | | |
Lender servicing fee:
| 1.00% |
Estimated return:
| 7.72% | | |
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10):
| 10 |
First credit line:
| Dec-1987 |
Debt/Income ratio:
| 12% |
Credit score:
| 700-719 (Oct-2010) |
Inquiries last 6m:
| 0 | Employment status: | Employed |
Now delinquent:
| 0 |
Current / open credit lines:
| 9
/
9 | Length of status: | 0y 6m |
Amount delinquent:
| $0 |
Total credit lines:
| 15 |
Occupation: | Other |
Public records last 12m / 10y:
| 0/ 2 |
Revolving credit balance:
| $13,293 | Stated income: | $100,000+ |
Delinquencies in last 7y:
| 4 |
Bankcard utilization:
| 36% | | |
| |
Homeownership:
| No | | |
Screen name:
| generous-justice7 |
Borrower's state:
| Massachusetts |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Description
IRS Debt and Tax Lien Relief
Loan Purpose
Loan will be used to pay off U.S. federal tax debt and remove a related tax lien.
Financial Position
I am permanently employed by a reputable firm at a high earnings level with a low risk of becoming unemployed.?I currently have no mortgage or auto-loan payment, have low housing cost, keep expenses to a minimum, make consistent, on-time payments much greater than minimums-due to keep my other debt low, and have worked diligently to improve my credit score back to the 700+ range.
Income and Expenses
Monthly net income: $ 4,000 +????Monthly expenses:?$ 2,900
[Housing- $700; Insurance-$100;?Utilities-$150; Food: $400; Clothing/household:?$100; Phone/cable/internet:?$250;?Credit cards/other loans:?$1000 *; Other: $200]
* Amount includes current loan?payment to?IRS that this loan would replace while only increasing the payment by?$120/month.
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
482825
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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:
| 10.80% | | |
| | |
|
Starting lender yield:
| 10.57% |
Starting borrower rate/APR:
| 11.57% / 14.79% |
Starting monthly payment:
| $247.57 |
|
Auction yield range:
| 10.57% - 10.57% |
Estimated loss impact:
| 11.02% | | |
Lender servicing fee:
| 1.00% |
Estimated return:
| -0.45% | | |
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10):
| 6 |
First credit line:
| Jan-1989 |
Debt/Income ratio:
| 11% |
Credit score:
| 740-759 (Nov-2010) |
Inquiries last 6m:
| 1 | Employment status: | Employed |
Now delinquent:
| 0 |
Current / open credit lines:
| 5
/
5 | Length of status: | 2y 4m |
Amount delinquent:
| $0 |
Total credit lines:
| 39 |
Occupation: | Accountant/CPA |
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $47,484 | Stated income: | $75,000-$99,999 |
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 97% | | |
| |
Homeownership:
| Yes | | |
Screen name:
| vigorous-coin0 |
Borrower's state:
| Massachusetts |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Description
Pay Credit Card Balance, ASAP
Purpose of loan:
This loan will be used to? pay credit card balances????
My financial situation:
I am a good candidate for this loan because? I have a great, stable job.
Monthly net income: $ 5100
Monthly expenses: $ 5000
??Housing: $?2925
??Insurance: $ 80
??Car expenses: $ 120?
??Utilities: $ 300
??Phone, cable, internet: $300
??Food, entertainment: $ 350
??Clothing, household expenses $ 100
??Credit cards and other loans: $ 794
??Other expenses: $ 31
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
482839
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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:
| 24.00% | | |
| | |
|
Starting lender yield:
| 34.00% |
Starting borrower rate/APR:
| 35.00% / 38.72% |
Starting monthly payment:
| $339.27 |
|
Auction yield range:
| 16.57% - 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:
| Aug-1992 |
Debt/Income ratio:
| 17% |
Credit score:
| 640-659 (Nov-2010) |
Inquiries last 6m:
| 6 | Employment status: | Employed |
Now delinquent:
| 0 |
Current / open credit lines:
| 0
/
0 | Length of status: | 3y 7m |
Amount delinquent:
| $583 |
Total credit lines:
| 34 |
Occupation: | Professional |
Public records last 12m / 10y:
| 0/ 1 |
Revolving credit balance:
| $0 | Stated income: | $50,000-$74,999 |
Delinquencies in last 7y:
| 19 |
Bankcard utilization:
| 0% | | |
| |
Homeownership:
| No | | |
Screen name:
| LaSenie |
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
emergency
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
482843
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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:
| 18.30% | | |
| | |
|
Starting lender yield:
| 34.00% |
Starting borrower rate/APR:
| 35.00% / 38.72% |
Starting monthly payment:
| $339.27 |
|
Auction yield range:
| 16.57% - 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:
| Jan-1999 |
Debt/Income ratio:
| 117% |
Credit score:
| 680-699 (Nov-2010) |
Inquiries last 6m:
| 1 | Employment status: | Employed |
Now delinquent:
| 0 |
Current / open credit lines:
| 17
/
16 | Length of status: | 1y 2m |
Amount delinquent:
| $0 |
Total credit lines:
| 44 |
Occupation: | Other |
Public records last 12m / 10y:
| 0/ 1 |
Revolving credit balance:
| $17,498 | Stated income: | $25,000-$49,999 |
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 48% | | |
| |
Homeownership:
| Yes | | |
Screen name:
| gold-inspector0 |
Borrower's state:
| Oregon |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Description
Paying off my credit cards
Purpose of loan:
This loan will be used to?
pay off credit cards and get them paid off
My financial situation:
I am a good candidate for this loan because?
I always pay my bills on time and would like to get my credit cards paid off so I can start saving money for my sons education
Monthly net income: $
with spouse income about 6900.00
Monthly expenses: $
??Housing: $ 725
??Insurance: $ 100
??Car expenses: $ 399
??Utilities: $ 100
??Phone, cable, internet: $ 0
??Food, entertainment: $ 150
??Clothing, household expenses $ 0
??Credit cards and other loans: $ 1250
??Other expenses: $
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
482849
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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:
| 9.80% | | |
| | |
|
Starting lender yield:
| 19.00% |
Starting borrower rate/APR:
| 20.00% / 23.39% |
Starting monthly payment:
| $111.49 |
|
Auction yield range:
| 10.57% - 19.00% |
Estimated loss impact:
| 10.25% | | |
Lender servicing fee:
| 1.00% |
Estimated return:
| 8.75% | | |
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:
| Jan-1993 |
Debt/Income ratio:
| 22% |
Credit score:
| 700-719 (Nov-2010) |
Inquiries last 6m:
| 0 | Employment status: | Employed |
Now delinquent:
| 0 |
Current / open credit lines:
| 12
/
10 | Length of status: | 3y 4m |
Amount delinquent:
| $0 |
Total credit lines:
| 30 |
Occupation: | Other |
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $37,719 | Stated income: | $50,000-$74,999 |
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 83% | | |
| |
Homeownership:
| Yes | | |
Screen name:
| swirlingbrain |
Borrower's state:
| Texas |
Borrower's group:
| DFW Investors |
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan history | Payment history | Credit score history |
Active / total loans:
| 1 / 1 |
On-time:
| 35 ( 100% )
| 700-719 (Latest)
|
Principal borrowed:
| $6,500.00 | < 31 days late:
| 0
( 0% )
| 700-719
(Oct-2010)
680-699
(Oct-2007)
|
Principal balance:
| $229.85 |
31+ days late:
| 0
( 0% )
|
Total payments billed:
| 35 | | |
Description
Debt Consolidation
Purpose of loan:
I will be using this loan debt consolidation.
My financial situation:
I am a good candidate for this loan because I make my payments.?
Monthly net income: $
$5100.00
Monthly expenses: $
??Housing: $
897.00 ??
??Insurance: $
0.00
??Car expenses: $
0.00
??Utilities: $
300.00
??Phone, cable, internet: $
130.00
??Food, entertainment: $ 1000.00
??Clothing, household expenses $
100.00
??Credit cards and other loans: $
1310.00
??Other expenses: $
100.00
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
482863
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount:
| $4,375.00 |
Prosper Rating:
| HR |
Auction Duration:
| 7 days
|
Term:
| 36 months |
Estimated loss:
| 18.30% | | |
| | |
|
Starting lender yield:
| 33.00% |
Starting borrower rate/APR:
| 34.00% / 37.70% |
Starting monthly payment:
| $195.44 |
|
Auction yield range:
| 16.57% - 33.00% |
Estimated loss impact:
| 20.25% | | |
Lender servicing fee:
| 1.00% |
Estimated return:
| 12.75% | | |
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):
| 4 |
First credit line:
| Jan-1994 |
Debt/Income ratio:
| 35% |
Credit score:
| 660-679 (Nov-2010) |
Inquiries last 6m:
| 3 | Employment status: | Employed |
Now delinquent:
| 0 |
Current / open credit lines:
| 18
/
18 | Length of status: | 3y 5m |
Amount delinquent:
| $0 |
Total credit lines:
| 32 |
Occupation: | Administrative Assi... |
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $6,752 | Stated income: | $25,000-$49,999 |
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 46% | | |
| |
Homeownership:
| Yes | | |
Screen name:
| platinum-announcer |
Borrower's state:
| NorthCarolina |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan history | Payment history | Credit score history |
Active / total loans:
| 1 / 1 |
On-time:
| 11 ( 100% )
| 660-679 (Latest)
|
Principal borrowed:
| $3,500.00 | < 31 days late:
| 0
( 0% )
| 640-659
(Sep-2010)
640-659
(Oct-2009)
|
Principal balance:
| $2,771.18 |
31+ days late:
| 0
( 0% )
|
Total payments billed:
| 11 | | |
Description
Consolidation
Purpose of loan:
This loan will be used to?consolidate my current Prosper loan with several other high rate cards.? I recently (end of Oct) paid off $680 of revolving debt which is not yet reflected on my credit report/score.? I have had my current Prosper loan for a year and the payments have always been made on time (auto deducted).? I do not really think my rating and score should be as low as they are listed either..Prosper must have changed some criteria :).
My financial situation:
I am a good candidate for this loan because? Steady employment and I also have a part time job (it is a 1099 job) where I earn on average $300-350 clear a month
Monthly net income: $ 3700.00
Monthly expenses: $
??Housing: $ 400.00
??Insurance: $ 70.00
??Car expenses: $ 265.00
??Utilities: $ 120.00
??Phone, cable, internet: $ 130.00
??Food, entertainment: $ 200.00?
??Clothing, household expenses $ 50.00
??Credit cards and other loans: $ 160.00
??Other expenses: $
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
482869
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount:
| $1,800.00 |
Prosper Rating:
| HR |
Auction Duration:
| 7 days
|
Term:
| 36 months |
Estimated loss:
| 24.00% | | |
| | |
|
Starting lender yield:
| 34.00% |
Starting borrower rate/APR:
| 35.00% / 38.72% |
Starting monthly payment:
| $81.42 |
|
Auction yield range:
| 16.57% - 34.00% |
Estimated loss impact:
| 26.01% | | |
Lender servicing fee:
| 1.00% |
Estimated return:
| 7.99% | | |
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10):
| 2 |
First credit line:
| Jul-1997 |
Debt/Income ratio:
| Not calculated |
Credit score:
| 660-679 (Nov-2010) |
Inquiries last 6m:
| 3 | Employment status: | Employed |
Now delinquent:
| 0 |
Current / open credit lines:
| 3
/
3 | Length of status: | 4y 3m |
Amount delinquent:
| $0 |
Total credit lines:
| 24 |
Occupation: | Other |
Public records last 12m / 10y:
| 0/ 1 |
Revolving credit balance:
| $1,947 | Stated income: | $25,000-$49,999 |
Delinquencies in last 7y:
| 1 |
Bankcard utilization:
| 97% | | |
| |
Homeownership:
| No | | |
Screen name:
| ravencody |
Borrower's state:
| NewHampshire |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Description
Adopting HIV+ Toddler - please help
We are trying to adopt a little girl from over seas who was diagnosed with HIV and a heart condition.? We have enough for the first trip, but not enough money raised for the 2nd trip.? A loan is not something we were planning on, but we don't see any other options.? Olivia is 3 years old with blonde hair and blue eyes.? She requires medication to live a full life and we can offer her the best medical care.? Our 6 year old son really wants her to be his sister.? Please help us.? If you'd rather donate, instead of helping to fund this loan, please go to Olivia's blog - there is a CHIP IN button.? www.homeforolivia.blogspot.com
Yes we have some credit issues.? We owned a small house a few years ago that we decided to rent out to a family.? They never paid rent and our lawyer suggested we file bankruptcy, so we did.? Unfortunately that will stay on our credit report for a while yet.? I work for a state agency and we will make the monthly payment.
Adoption Refund is $13k - so once we get our tax refund next year we are paying off this loan in one lump sum.? So it's guaranteed to be paid off.? It used to be a credit but has since be changed to a refund.? We usually file our taxes soon after receiving our W2 forms, so the loan will be a short term loan only.
We travel at the end of November so we need to raise the money to travel ASAP!? please help us!
Monthly net income: $3200 (both of us combined), $1600 just myself
Monthly expenses: $
??Housing: $ 1000
??Insurance: $ 100
??Car expenses: $ 120
??Utilities: $ 200
??Phone, cable, internet: $ 74
??Food, entertainment: $ 400
??Clothing, household expenses $ 100
??Credit cards and other loans: $ 400
??Other expenses: $ 400
Total expenses:? $2794
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
482879
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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:
| 10.80% | | |
| | |
|
Starting lender yield:
| 26.50% |
Starting borrower rate/APR:
| 27.50% / 31.05% |
Starting monthly payment:
| $308.20 |
|
Auction yield range:
| 10.57% - 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:
| Oct-1996 |
Debt/Income ratio:
| Self-employed (DTI Not Calculated) |
Credit score:
| 740-759 (Nov-2010) |
Inquiries last 6m:
| 0 | Employment status: | Self-employed |
Now delinquent:
| 0 |
Current / open credit lines:
| 14
/
14 | Length of status: | 0y 1m |
Amount delinquent:
| $0 |
Total credit lines:
| 30 |
Occupation: | Construction |
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $11,477 | Stated income: | $75,000-$99,999 |
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 46% | | |
| |
Homeownership:
| No | | |
Screen name:
| blue-vigilance-arrow |
Borrower's state:
| Arkansas |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Description
starting new business
Purpose of loan:
This loan will be used to?
My financial situation:
I am a good candidate for this loan because? i am starting new business????
Monthly net income: $ 6000.00
Monthly expenses: $
??Housing: $ 400.00
??Insurance: $ 225.00
??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
482885
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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:
| 18.30% | | |
| | |
|
Starting lender yield:
| 34.00% |
Starting borrower rate/APR:
| 35.00% / 39.15% |
Starting monthly payment:
| $67.85 |
|
Auction yield range:
| 16.57% - 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-1996 |
Debt/Income ratio:
| 23% |
Credit score:
| 640-659 (Oct-2010) |
Inquiries last 6m:
| 2 | Employment status: | Employed |
Now delinquent:
| 0 |
Current / open credit lines:
| 10
/
10 | Length of status: | 5y 1m |
Amount delinquent:
| $0 |
Total credit lines:
| 15 |
Occupation: | Accountant/CPA |
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $6,375 | Stated income: | $25,000-$49,999 |
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 97% | | |
| |
Homeownership:
| Yes | | |
Screen name:
| consummate-value0 |
Borrower's state:
| Kansas |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Description
Re-modeling Family room, for sons
Purpose of loan:
This loan will be used to remodel our family room for our two sons now 4 and 2?years old?
My financial situation:
I am a good candidate for this loan because?because I have a?secure job with local government and have no delinquent credit history, I also won money on Wheel of Fortune and the check arrives Feb 1st 2011 but I want to surprise my family for Christmas?
Monthly net income: $ 2100 mine + 1600 spouse = $3700
Monthly expenses: $
??Housing: $ 841
??Insurance: $ 100
??Car expenses: $ 200
??Utilities: $ 200
??Phone, cable, internet: $ 150
??Food, entertainment: $?400
??Clothing, household expenses $?300
??Credit cards and other loans: $?200
??Other expenses: $ 0
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
482887
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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:
| 18.30% | | |
| | |
|
Starting lender yield:
| 34.00% |
Starting borrower rate/APR:
| 35.00% / 38.72% |
Starting monthly payment:
| $226.18 |
|
Auction yield range:
| 16.57% - 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:
| Jul-1999 |
Debt/Income ratio:
| Self-employed (DTI Not Calculated) |
Credit score:
| 660-679 (Nov-2010) |
Inquiries last 6m:
| 2 | Employment status: | Self-employed |
Now delinquent:
| 0 |
Current / open credit lines:
| 5
/
4 | Length of status: | 1y 3m |
Amount delinquent:
| $0 |
Total credit lines:
| 18 |
Occupation: | Truck Driver |
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $18,059 | Stated income: | $100,000+ |
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 65% | | |
| |
Homeownership:
| No | | |
Screen name:
| order-machine1 |
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
My personal loan for my business
Purpose of loan:
This loan will be used to upgrade my equipment with anti-idling equipment. An APU if you will. Also known as an auxillary power unit. ?
My financial situation:
I am a good candidate for this loan because?
I have excellent credit with no lates at all.
I have been in the same industry for over 20 years.
Monthly net income: $9-10,000
Monthly expenses: $ Approx:?$2500-3000
??Housing: $1400?????????
??Insurance: $200?????
??Car expenses: $ 0 Free and Clear
??Utilities: $120
??Phone, cable, internet: $250
??Food, entertainment: $6-800
??Clothing, household expenses $250?
??Credit cards and other loans: $250
??Other expenses: $500
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
482891
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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:
| 24.00% | | |
| | |
|
Starting lender yield:
| 34.00% |
Starting borrower rate/APR:
| 35.00% / 38.72% |
Starting monthly payment:
| $339.27 |
|
Auction yield range:
| 16.57% - 34.00% |
Estimated loss impact:
| 26.01% | | |
Lender servicing fee:
| 1.00% |
Estimated return:
| 7.99% | | |
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10):
| 2 |
First credit line:
| Mar-1991 |
Debt/Income ratio:
| Self-employed (DTI Not Calculated) |
Credit score:
| 640-659 (Nov-2010) |
Inquiries last 6m:
| 0 | Employment status: | Self-employed |
Now delinquent:
| 0 |
Current / open credit lines:
| 8
/
8 | Length of status: | 18y 4m |
Amount delinquent:
| $0 |
Total credit lines:
| 16 |
Occupation: | Construction |
Public records last 12m / 10y:
| 0/ 7 |
Revolving credit balance:
| $2,210 | Stated income: | $50,000-$74,999 |
Delinquencies in last 7y:
| 3 |
Bankcard utilization:
| 74% | | |
| |
Homeownership:
| No | | |
Screen name:
| Charles1014 |
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
equipment upgrade
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
482897
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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:
| 24.00% | | |
| | |
|
Starting lender yield:
| 16.57% |
Starting borrower rate/APR:
| 17.57% / 20.91% |
Starting monthly payment:
| $269.53 |
|
Auction yield range:
| 16.57% - 16.57% |
Estimated loss impact:
| 24.91% | | |
Lender servicing fee:
| 1.00% |
Estimated return:
| -8.34% | | |
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):
| 2 |
First credit line:
| Sep-1989 |
Debt/Income ratio:
| 55% |
Credit score:
| 680-699 (Nov-2010) |
Inquiries last 6m:
| 2 | Employment status: | Employed |
Now delinquent:
| 0 |
Current / open credit lines:
| 17
/
16 | Length of status: | 6y 5m |
Amount delinquent:
| $0 |
Total credit lines:
| 38 |
Occupation: | Executive |
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $58,382 | Stated income: | $25,000-$49,999 |
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 83% | | |
| |
Homeownership:
| Yes | | |
Screen name:
| organized-gold2 |
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 loan
Purpose of loan:
This loan will be used to?
payoff a loan
My financial situation:
I am a good candidate for this loan because?
I am married and have a second income from my spouse
Monthly net income: $
3015.66
Monthly expenses: $
??Housing: $ 897.00????
??Insurance: $ 100.00
??Car expenses: $ 385.00
??Utilities: $ 130.00
??Phone, cable, internet: $ 70.00
??Food, entertainment: $
??Clothing, household expenses $
??Credit cards and other loans: $
??Other expenses: $
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
482899
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount:
| $2,500.00 |
Prosper Rating:
| HR |
Auction Duration:
| 7 days
|
Term:
| 36 months |
Estimated loss:
| 18.30% | | |
| | |
|
Starting lender yield:
| 34.00% |
Starting borrower rate/APR:
| 35.00% / 38.72% |
Starting monthly payment:
| $113.09 |
|
Auction yield range:
| 16.57% - 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:
| Feb-1999 |
Debt/Income ratio:
| 25% |
Credit score:
| 640-659 (Nov-2010) |
Inquiries last 6m:
| 0 | Employment status: | Employed |
Now delinquent:
| 0 |
Current / open credit lines:
| 6
/
6 | Length of status: | 18y 10m |
Amount delinquent:
| $0 |
Total credit lines:
| 11 |
Occupation: | Sales - Retail |
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $7,502 | Stated income: | $25,000-$49,999 |
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 99% | | |
| |
Homeownership:
| No | | |
Screen name:
| organized-kindness6 |
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
Truck Repairs
Purpose of loan:
This loan will be used to? Repair work for personal vehicle. 2004 Chevy truck needs new heater core, transmission work, brake rotors and pads,winter tires, etc.
My financial situation:
I am a good candidate for this loan because?
of my job history (16 years with same company), earnings to make necessary monthly payments, and good credit history.????
Monthly net income: $
2700
Monthly expenses: $ 1300
??Housing: $250??
??Insurance: $90
??Car expenses: $ 455
??Utilities: $ 0
??Phone, cable, internet: $ 50????
??Food, entertainment: $ 300
??Clothing, household expenses $0?
??????Credit cards and other loans: $165?
??Other expenses: $ 0
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
482903
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount:
| $5,000.00 |
Prosper Rating:
| E |
Auction Duration:
| 7 days
|
Term:
| 36 months |
Estimated loss:
| 14.20% | | |
| | |
|
Starting lender yield:
| 33.35% |
Starting borrower rate/APR:
| 34.35% / 38.06% |
Starting monthly payment:
| $224.34 |
|
Auction yield range:
| 13.57% - 33.35% |
Estimated loss impact:
| 15.74% | | |
Lender servicing fee:
| 1.00% |
Estimated return:
| 17.61% | | |
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10):
| 5 |
First credit line:
| Jul-1978 |
Debt/Income ratio:
| Not calculated |
Credit score:
| 680-699 (Oct-2010) |
Inquiries last 6m:
| 3 | Employment status: | Other |
Now delinquent:
| 0 |
Current / open credit lines:
| 7
/
5 | Length of status: | 0y 9m |
Amount delinquent:
| $0 |
Total credit lines:
| 20 |
Occupation: | Other |
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $58,037 | Stated income: | $100,000+ |
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 63% | | |
| |
Homeownership:
| No | | |
Screen name:
| money-sushi0 |
Borrower's state:
| Connecticut |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Description
My daughter's getting married
Purpose of loan:
This loan will be used to?pay on a credit card in my name.I am trying to get down the balance so that I am not drowning in thousands of dollars in finance charges. My daughter is getting married and I want to help her pay for things that my husband won't consider. PLEASE HELP ME.
My financial situation: is excellent. My husband is a physician
I am a good candidate for this loan because?I do not pay the household expenses and am only responsible for the credit card bills in my name.
Monthly net income: $ based on husband. Yearly income 700,000. I GET PAID IN VARIOUS WAYS, SUCH AS ALLOWANCE, DRIVING AN ELDERLY WOMAN, CONSIGNMENT LISTINGS AND SURVEYS. MY MONTHLY CASH INTAKE IS APPROXIMATELY 1500. INSTEAD OF PAYING A CREDIT CARD, PLUS FINANCE CHARGES, I CAN EASILY REPAY A LOAN MONTHLY AND STILL BE ABLE TO TAKE CARE OF EXTRA WEDDING THINGS.
Monthly expenses: $ husband pays household expenses
??Housing: $ have no mortgage and own home. In my name
??Insurance: $ husband pays insurance
??Car expenses: $ husband pays expenses
??Utilities: $husband pays expenses
??Phone, cable, internet: $ husband pays utilities, etc.
??Food, entertainment: $ husband supplies money for these
??Clothing, household expenses $my husband supplies me with money for clothing an household expenses.
??Credit cards and other loans: $ 35,000
??Other expenses: $ 1200. per month
I drive a friend's mother to all her appointments and grocery shop for her. At the end of each month I am paid in cash $1500 for my time and gas.Cash is used along with allowance money ($ 1400).I HAD BEEN USING THE MONEY TO PAY DOWN A CREDIT CARD IN MY NAME. THE PRESSURE IS AWFUL. PLEASE HELP ME. I AM VERY CAPABLE TO PAYING MY MONTHLY PAYMENTS AND HAVE NEVER MISSED A PAYMENT OR MADE MERELY THE MINIMUM. I CAN'T STAND THE HUGE FINANCE CHARGES. I WANT TO PUT THAT MONEY TOWARDS MY DAUGHTER'S NEEDS FOR HER WEDDING ( FINANCE'S WEDDING RING)
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
482905
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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:
| 36.60% | | |
| | |
|
Starting lender yield:
| 34.00% |
Starting borrower rate/APR:
| 35.00% / 38.72% |
Starting monthly payment:
| $339.27 |
|
Auction yield range:
| 16.57% - 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-1976 |
Debt/Income ratio:
| Self-employed (DTI Not Calculated) |
Credit score:
| 680-699 (Nov-2010) |
Inquiries last 6m:
| 3 | Employment status: | Self-employed |
Now delinquent:
| 0 |
Current / open credit lines:
| 9
/
8 | Length of status: | 9y 9m |
Amount delinquent:
| $0 |
Total credit lines:
| 31 |
Occupation: | Retail Management |
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $28,510 | Stated income: | $100,000+ |
Delinquencies in last 7y:
| 5 |
Bankcard utilization:
| 80% | | |
| |
Homeownership:
| Yes | | |
Screen name:
| bold-exchange-tower |
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
new business needs operating funds
Purpose of loan:
This loan will be used to??My company?is a Florida based company incorporated in 2001 and specializing in the management of 10-minute oil change facilities. As President, founder and operating partner I successfully managed seven 10-minute oil change facilities from 2001 through 2009 with over 4.5 million in net revenues and one million in profits at our height in 2007. We sold the rapid lubes in 2008/2009. Using my own capital I opened a Service Pro 10-minute oil change center August 2nd, 2010. All equipment and inventory are paid for and we have almost zero debt. This is an attractive facility on a main artery in Orlando Florida with fantastic demographics. I project cash flow balance by late 1st quarter 2011 but I need about $40,000.00 in operating capital to get there. I know this site will be profitable given enough time to ramp up.
My financial situation:
I am a good candidate for this loan because? I am?a good operator and I know I can make this site prosper.
Monthly net income: $ 2500.00 I have been living off
previous years income.
Monthly expenses: $
??Housing: $ 1600
??Insurance: $ 500
??Car expenses: $ 398.00
??Utilities: $ 300.
??Phone, cable, internet: $ n/a
??Food, entertainment: $ 500.
??Clothing, household expenses $ 300.00
??Credit cards and other loans: $ 300.00
??Other expenses: $
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
482915
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount:
| $7,000.00 |
Prosper Rating:
| B |
Auction Duration:
| 7 days
|
Term:
| 36 months |
Estimated loss:
| 5.95% | | |
| | |
|
Starting lender yield:
| 6.00% |
Starting borrower rate/APR:
| 7.00% / 9.07% |
Starting monthly payment:
| $216.14 |
|
Auction yield range:
| 5.57% - 6.00% |
Estimated loss impact:
| 6.03% | | |
Lender servicing fee:
| 1.00% |
Estimated return:
| -0.03% | | |
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10):
| 8 |
First credit line:
| Jul-1988 |
Debt/Income ratio:
| 38% |
Credit score:
| 780-799 (Nov-2010) |
Inquiries last 6m:
| 0 | Employment status: | Employed |
Now delinquent:
| 0 |
Current / open credit lines:
| 26
/
26 | Length of status: | 31y 6m |
Amount delinquent:
| $0 |
Total credit lines:
| 77 |
Occupation: | Administrative Assi... |
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $70,776 | Stated income: | $75,000-$99,999 |
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 63% | | |
| |
Homeownership:
| Yes | | |
Screen name:
| red-funds-surfer |
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
debt consolidation
Purpose of loan:
This loan will be used to?
To consolidate several credit cards.? Also, I send my daughter to private high school and need some assistance with the tuition.
My financial situation:
I am a good candidate for this loan because? I have a steady job that I have been employed at for approximately 32 years.? I have ties to my home and community.
Monthly net income: $ 6000.00
Monthly expenses: $
??Housing: $ 1900.00????????
??Insurance: $
??Car expenses: $ 430.00
??Utilities: $ 300.00??
? Phone, cable, internet: $ 150.00????????
??Food, entertainment: $ 400.00
??Clothing, household expenses $ 100.00
??Credit cards and other loans: $ 1000.00????
??Other expenses: $ 700.00 tuition
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
482933
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount:
| $6,000.00 |
Prosper Rating:
| HR |
Auction Duration:
| 7 days
|
Term:
| 36 months |
Estimated loss:
| 36.60% | | |
| | |
|
Starting lender yield:
| 34.00% |
Starting borrower rate/APR:
| 35.00% / 38.72% |
Starting monthly payment:
| $271.42 |
|
Auction yield range:
| 16.57% - 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:
| Jun-1996 |
Debt/Income ratio:
| 56% |
Credit score:
| 680-699 (Nov-2010) |
Inquiries last 6m:
| 3 | Employment status: | Employed |
Now delinquent:
| 1 |
Current / open credit lines:
| 4
/
3 | Length of status: | 6y 2m |
Amount delinquent:
| $682 |
Total credit lines:
| 71 |
Occupation: | Other |
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $0 | Stated income: | $50,000-$74,999 |
Delinquencies in last 7y:
| 31 |
Bankcard utilization:
| 0% | | |
| |
Homeownership:
| Yes | | |
Screen name:
| pound-bada-bing7 |
Borrower's state:
| Florida |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Description
Paying my college tuition
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
482939
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount:
| $1,900.00 |
Prosper Rating:
| D |
Auction Duration:
| 7 days
|
Term:
| 36 months |
Estimated loss:
| 10.80% | | |
| | |
|
Starting lender yield:
| 26.50% |
Starting borrower rate/APR:
| 27.50% / 31.05% |
Starting monthly payment:
| $78.08 |
|
Auction yield range:
| 10.57% - 26.50% |
Estimated loss impact:
| 11.46% | | |
Lender servicing fee:
| 1.00% |
Estimated return:
| 15.04% | | |
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10):
| 5 |
First credit line:
| Jan-1989 |
Debt/Income ratio:
| 42% |
Credit score:
| 740-759 (Nov-2010) |
Inquiries last 6m:
| 0 | Employment status: | Employed |
Now delinquent:
| 0 |
Current / open credit lines:
| 21
/
18 | Length of status: | 7y 11m |
Amount delinquent:
| $0 |
Total credit lines:
| 48 |
Occupation: | Professional |
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $122,730 | Stated income: | $100,000+ |
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 83% | | |
| |
Homeownership:
| Yes | | |
Screen name:
| spry-repayment |
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
Improving Energy Efficiency of Home
Purpose of loan:
This loan will be used to improve the energy efficiency of our home. Goal is to reduce our annual utility bill by $500.00.
My financial situation:
I am a good candidate for this loan because I have an excellent payment history, and?have been?employed for almost eight years by my current employer with very good prospects for growth.
Monthly net income: $ 5,972.00
Monthly expenses: $ 4,779.00
??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
482951
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount:
| $5,000.00 |
Prosper Rating:
| E |
Auction Duration:
| 7 days
|
Term:
| 36 months |
Estimated loss:
| 14.20% | | |
| | |
|
Starting lender yield:
| 33.35% |
Starting borrower rate/APR:
| 34.35% / 38.06% |
Starting monthly payment:
| $224.34 |
|
Auction yield range:
| 13.57% - 33.35% |
Estimated loss impact:
| 15.74% | | |
Lender servicing fee:
| 1.00% |
Estimated return:
| 17.61% | | |
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10):
| 6 |
First credit line:
| Jan-1997 |
Debt/Income ratio:
| 13% |
Credit score:
| 640-659 (Nov-2010) |
Inquiries last 6m:
| 0 | Employment status: | Employed |
Now delinquent:
| 2 |
Current / open credit lines:
| 0
/
0 | Length of status: | 2y 7m |
Amount delinquent:
| $6,741 |
Total credit lines:
| 14 |
Occupation: | Laborer |
Public records last 12m / 10y:
| 1/ 3 |
Revolving credit balance:
| $0 | Stated income: | $1-$24,999 |
Delinquencies in last 7y:
| 9 |
Bankcard utilization:
| 0% | | |
| |
Homeownership:
| No | | |
Screen name:
| berserker743 |
Borrower's state:
| Ohio |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Description
auto repair & paying off med bills
Purpose of loan:
This loan will be used to?
My financial situation:
I am a good candidate for this loan because?
Monthly net income: $
Monthly expenses: $
??Housing: $
??Insurance: $
??Car expenses: $
??Utilities: $
??Phone, cable, internet: $
??Food, entertainment: $
??Clothing, household expenses $
??Credit cards and other loans: $
??Other expenses: $
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
482957
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
Amount:
| $7,500.00 |
Prosper Rating:
| E |
Auction Duration:
| 7 days
|
Term:
| 36 months |
Estimated loss:
| 14.20% | | |
| | |
|
Starting lender yield:
| 33.35% |
Starting borrower rate/APR:
| 34.35% / 38.06% |
Starting monthly payment:
| $336.52 |
|
Auction yield range:
| 13.57% - 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:
| Apr-1995 |
Debt/Income ratio:
| 18% |
Credit score:
| 700-719 (Nov-2010) |
Inquiries last 6m:
| 1 | Employment status: | Employed |
Now delinquent:
| 1 |
Current / open credit lines:
| 7
/
6 | Length of status: | 7y 2m |
Amount delinquent:
| $74 |
Total credit lines:
| 17 |
Occupation: | Professional |
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $2,745 | Stated income: | $75,000-$99,999 |
Delinquencies in last 7y:
| 2 |
Bankcard utilization:
| 0% | | |
| |
Homeownership:
| Yes | | |
Screen name:
| moola-oasis0 |
Borrower's state:
| Oklahoma |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Description
Paying off Debt
Purpose of loan:
This loan will be used to? This loan will be used to pay off my high intrest debt for 1 easy debt payment.
My financial situation:
I am a good candidate for this loan because? Because I have been with the same company for 7 years and there is no chance of layoff, or job going out of the country. I realize I have made mistakes in the past but now with the money i am making I have the oppurtunity to live debt free. With this loan I can take several 100.00 payments and make 1 loan payment thus beginning a savings.
Monthly net income: $ 6000.00 to 8000.00
Monthly expenses: $
??Housing: $ 1115.00 includes?ins. and tax
??Insurance: $ 131.00 car
??Car expenses: $ 900.00
??Utilities: $ 200.00
??Phone, cable, internet: $ 107.00
??Food, entertainment: $ 150,00
??Clothing, household expenses $
??Credit cards and other loans: $
??Other expenses: $
Information in the Description is not verified.