Listing Report:Supplement No. 101 dated Nov 24, 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
468067
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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:
| Sep-2000 |
Debt/Income ratio:
| Self-employed (DTI Not Calculated) |
|
Credit score:
| 640-659 (Nov-2010) |
Inquiries last 6m:
| 4 | Employment status: | Self-employed |
|
Now delinquent:
| 1 |
Current / open credit lines:
| 14
/
13 | Length of status: | 3y 6m |
|
Amount delinquent:
| $0 |
Total credit lines:
| 25 |
Occupation: | Executive |
|
Public records last 12m / 10y:
| 0/ 1 |
Revolving credit balance:
| $9,803 | Stated income: | $25,000-$49,999 |
|
Delinquencies in last 7y:
| 2 |
Bankcard utilization:
| 86% | | |
| | |
Homeownership:
| Yes | | |
|
Screen name:
| transparency-palace |
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
My loan for debt consolidation
Purpose of loan:
This loan will be used to? consolidate c/c debt into 1 payment. pay debt down faster than c/c plan.
My financial situation:
I am a good candidate for this loan because?pay all existing debt on time ?
Monthly net income: $ 3000
Monthly expenses: $
??Housing: $ husband pays
??Insurance: $ 65????
??Car expenses: $ 50
??Utilities: $ husband pays
??Phone, cable, internet: $ 65
??Food, entertainment: $ 200
??Clothing, household expenses $?200??Credit cards and other loans: $ 350
??Other expenses: $
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
473103
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
|
Amount:
| $15,000.00 |
Prosper Rating:
| AA |
Auction Duration:
| 7 days
|
|
Term:
| 36 months |
Estimated loss:
| 1.30% | | |
| | | |
|
|
Starting lender yield:
| 6.65% |
Starting borrower rate/APR:
| 7.65% / 7.99% |
Starting monthly payment:
| $467.63 |
| |
|
Auction yield range:
| 2.57% - 6.65% |
Estimated loss impact:
| 1.30% | | |
|
Lender servicing fee:
| 1.00% |
Estimated return:
| 5.35% | | |
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
|
Prosper score (1-10):
| 10 |
First credit line:
| May-1994 |
Debt/Income ratio:
| 20% |
|
Credit score:
| 820-839 (Nov-2010) |
Inquiries last 6m:
| 0 | Employment status: | Employed |
|
Now delinquent:
| 0 |
Current / open credit lines:
| 6
/
6 | Length of status: | 7y 3m |
|
Amount delinquent:
| $0 |
Total credit lines:
| 22 |
Occupation: | Teacher |
|
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $11,194 | Stated income: | $25,000-$49,999 |
|
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 15% | | |
| | |
Homeownership:
| Yes | | |
|
Screen name:
| desertdan |
Borrower's state:
| NewMexico |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
| Loan history | Payment history | Credit score history |
|
Active / total loans:
| 1 / 2 |
On-time:
| 23 ( 100% )
| 820-839 (Latest)
|
|
Principal borrowed:
| $20,000.00 | < 31 days late:
| 0
( 0% )
| 800-819
(Feb-2010)
840-859
(Jun-2008)
|
|
Principal balance:
| $5,721.51 |
31+ days late:
| 0
( 0% )
|
|
Total payments billed:
| 23 | | |
Description
Reliable payer growing business
Purpose of loan:
This loan will be used as a source of liquidity for my sports collectibles and memorabilia business.? My previous Prosper loan for the same amount was at 10+%.? Approximately 6k of this loan will be used to repay the previous loan.? The lower rate and monthly payment will reduce expenses and improve cash flow for my business.
My financial situation:
I am a good candidate for this loan because I have proven that I am a reliable borrower.
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
477709
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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:
| 9.80% | | |
| | | |
|
|
Starting lender yield:
| 26.75% |
Starting borrower rate/APR:
| 27.75% / 31.31% |
Starting monthly payment:
| $267.99 |
| |
|
Auction yield range:
| 10.57% - 26.75% |
Estimated loss impact:
| 10.47% | | |
|
Lender servicing fee:
| 1.00% |
Estimated return:
| 16.28% | | |
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
|
Prosper score (1-10):
| 6 |
First credit line:
| Dec-1995 |
Debt/Income ratio:
| 28% |
|
Credit score:
| 760-779 (Nov-2010) |
Inquiries last 6m:
| 1 | Employment status: | Employed |
|
Now delinquent:
| 0 |
Current / open credit lines:
| 10
/
10 | Length of status: | 22y 6m |
|
Amount delinquent:
| $0 |
Total credit lines:
| 45 |
Occupation: | Other |
|
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $6,901 | Stated income: | $50,000-$74,999 |
|
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 15% | | |
| | |
Homeownership:
| Yes | | |
|
Screen name:
| trishon2001 |
Borrower's state:
| Georgia |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
| Loan history | Payment history | Credit score history |
|
Active / total loans:
| 0 / 1 |
On-time:
| 16 ( 70% )
| 760-779 (Latest)
|
|
Principal borrowed:
| $8,000.00 | < 31 days late:
| 7
( 30% )
| 720-739
(Sep-2008)
|
|
Principal balance:
| $0.00 |
31+ days late:
| 0
( 0% )
|
|
Total payments billed:
| 23 | | |
Description
consolidate a few bills x mas gifts
Purpose of loan:
This loan will be used to? pay off balance on one loan...500.00.and the balance on a credit card...4500 ...the .....rest i would like to use some for x-mas gifts and save a little for myself onthly net income: $ 6000Monthly 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
478001
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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:
| B |
Auction Duration:
| 7 days
|
|
Term:
| 36 months |
Estimated loss:
| 4.95% | | |
| | | |
|
|
Starting lender yield:
| 9.40% |
Starting borrower rate/APR:
| 10.40% / 12.51% |
Starting monthly payment:
| $357.01 |
| |
|
Auction yield range:
| 5.57% - 9.40% |
Estimated loss impact:
| 5.10% | | |
|
Lender servicing fee:
| 1.00% |
Estimated return:
| 4.30% | | |
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own 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-1992 |
Debt/Income ratio:
| 21% |
|
Credit score:
| 740-759 (Nov-2010) |
Inquiries last 6m:
| 3 | Employment status: | Other |
|
Now delinquent:
| 0 |
Current / open credit lines:
| 17
/
16 | Length of status: | 30y 11m |
|
Amount delinquent:
| $0 |
Total credit lines:
| 39 |
Occupation: | Other |
|
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $10,287 | Stated income: | $25,000-$49,999 |
|
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 32% | | |
| | |
Homeownership:
| Yes | | |
|
Screen name:
| wauktown62 |
Borrower's state:
| Illinois |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
| Loan history | Payment history | Credit score history |
|
Active / total loans:
| 0 / 1 |
On-time:
| 7 ( 100% )
| 740-759 (Latest)
|
|
Principal borrowed:
| $6,500.00 | < 31 days late:
| 0
( 0% )
| 700-719
(Jun-2010)
720-739
(Mar-2010)
700-719
(Jan-2010)
720-739
(Oct-2009)
|
|
Principal balance:
| $0.00 |
31+ days late:
| 0
( 0% )
|
|
Total payments billed:
| 7 | | |
Description
Debt Consolidation
Purpose of loan:
This loan will be used to?
Pay off higer intrest credit card debt
My financial situation:
I am a good candidate for this loan because?
Monthly net income: $ 3353
Monthly expenses: $
??Housing: $ 1240
??Insurance: $ 60
??Car expenses: $ 100????????????????
??Utilities: $?200
??Phone, cable, internet: $ 100
??Food, entertainment: $ 200
??Clothing, household expenses $
??Credit cards and other loans: $ 400
??Other expenses: $ 200
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
480503
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
|
Amount:
| $1,000.00 |
Prosper Rating:
| D |
Auction Duration:
| 7 days
|
|
Term:
| 36 months |
Estimated loss:
| 10.80% | | |
| | | |
|
|
Starting lender yield:
| 10.60% |
Starting borrower rate/APR:
| 11.60% / 17.10% |
Starting monthly payment:
| $33.02 |
| |
|
Auction yield range:
| 10.57% - 10.60% |
Estimated loss impact:
| 11.02% | | |
|
Lender servicing fee:
| 1.00% |
Estimated return:
| -0.42% | | |
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):
| 7 |
First credit line:
| Nov-2003 |
Debt/Income ratio:
| Not calculated |
|
Credit score:
| 700-719 (Nov-2010) |
Inquiries last 6m:
| 0 | Employment status: | Employed |
|
Now delinquent:
| 0 |
Current / open credit lines:
| 6
/
6 | Length of status: | 1y 0m |
|
Amount delinquent:
| $0 |
Total credit lines:
| 21 |
Occupation: | Other |
|
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $1,121 | Stated income: | $25,000-$49,999 |
|
Delinquencies in last 7y:
| 32 |
Bankcard utilization:
| 9% | | |
| | |
Homeownership:
| No | | |
|
Screen name:
| newest-famous-velocity |
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
Improve Credit Score
Purpose of loan:
This loan will be used to improve my credit score through Prosper Lending.
My financial situation:
I am a good candidate for this loan because I have a stable job and I will repay this loan as soon as possible. I intend to make higher payments because I already saved money for this loan. I also have a monthly excess of $400. I am in a new season of my life and I have taken control of my debt. I have not missed a credit card payment in over 3 years now and my school debt repayment is current.
Monthly net income: $ 2,000 - excess of $400
Monthly expenses: $ 1,600
??Housing: $ 385
??Insurance: $
145
??Car expenses: $ 150
??Utilities: $
30
??Phone, cable, internet: $
20
??Food, entertainment: $ 330
??Clothing, household expenses $
-
??Credit cards and other loans: $
400
??Other expenses: $ 140
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
484941
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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:
| Sep-1990 |
Debt/Income ratio:
| Self-employed (DTI Not Calculated) |
|
Credit score:
| 680-699 (Nov-2010) |
Inquiries last 6m:
| 2 | Employment status: | Self-employed |
|
Now delinquent:
| 0 |
Current / open credit lines:
| 17
/
13 | Length of status: | 5y 10m |
|
Amount delinquent:
| $0 |
Total credit lines:
| 46 |
Occupation: | Other |
|
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $134,810 | Stated income: | $75,000-$99,999 |
|
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 99% | | |
| | |
Homeownership:
| Yes | | |
|
Screen name:
| encouraging-point830 |
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
Inventory for New Years Resolutions
The loan will be used to help build our inventory as we head into our busiest time of year (January). You can learn about Breakthrough Health & Wellness Solutions and my bio by going to http://www.breakthroughhw.com/. Read about the No Excuses Workout System by going to http://www.noexcusesworkouts.com/.??My team and I are in the process of raising our first professional round of funding. The early interest (we just started) has been great, but this loan (along with a strong January) will give us time to choose the right investors.? I feel I am a good candidate for this loan because although I have a high revolving line of credit (mostly loans to Breakthrough), I have not had any late payments for over 7 years. My credit rating is low because of the lines of credit ($77K of it is our home equity line). This will be the first January where Breakthrough has low Accounts Payable and the company will be able to pay me back to then pay off my credit card debt. Thanks for your consideration.
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
485457
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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:
| Jun-2001 |
Debt/Income ratio:
| 26% |
|
Credit score:
| 640-659 (Nov-2010) |
Inquiries last 6m:
| 0 | Employment status: | Employed |
|
Now delinquent:
| 0 |
Current / open credit lines:
| 11
/
9 | Length of status: | 1y 8m |
|
Amount delinquent:
| $0 |
Total credit lines:
| 19 |
Occupation: | Teacher |
|
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $12,922 | Stated income: | $25,000-$49,999 |
|
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 97% | | |
| | |
Homeownership:
| Yes | | |
|
Screen name:
| blue-enriched-peace |
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
Enhancing My Education
Purpose of loan:
This loan will be used to take courses that will allow me to advance in my job and earn a higher salary. WIth this salary, I will work on paying off debt.
My financial situation is average. I have a good, steady job and my bills are always paid on time. I would like to have more spending money, which is why I am taking courses to advance my job. Once I advance my job and salary, I will be able to pay off more debt and will have more spending money.
I am a good candidate for this loan because I am not delinquent on my accounts and I plan to pay a little extra each month in order to pay off the amount sooner.
Monthly net income: $1800
Monthly expenses: $1700
??Housing: $570
??Insurance: $80
??Car expenses: $210
??Utilities: $200
??Phone, cable, internet: $150
??Food, entertainment: $40
??Clothing, household expenses $ 40
??Credit cards and other loans: $400
??Other expenses: $
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
485519
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
|
Amount:
| $12,000.00 |
Prosper Rating:
| AA |
Auction Duration:
| 7 days
|
|
Term:
| 60 months |
Estimated loss:
| 1.55% | | |
| | | |
|
|
Starting lender yield:
| 10.00% |
Starting borrower rate/APR:
| 11.00% / 11.22% |
Starting monthly payment:
| $260.91 |
| |
|
Auction yield range:
| 3.06% - 10.00% |
Estimated loss impact:
| 1.56% | | |
|
Lender servicing fee:
| 1.00% |
Estimated return:
| 8.44% | | |
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
|
Prosper score (1-10):
| 10 |
First credit line:
| May-1982 |
Debt/Income ratio:
| 4% |
|
Credit score:
| 760-779 (Nov-2010) |
Inquiries last 6m:
| 2 | Employment status: | Other |
|
Now delinquent:
| 1 |
Current / open credit lines:
| 5
/
4 | Length of status: | 30y 3m |
|
Amount delinquent:
| $324 |
Total credit lines:
| 21 | Stated income: | $75,000-$99,999 |
|
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $720 | |
|
Delinquencies in last 7y:
| 4 |
Bankcard utilization:
| 3% | | |
| | |
Homeownership:
| Yes | | |
|
Screen name:
| superb-truth1 |
Borrower's state:
| Virginia |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Description
Paying off medical bills
The purpose of this loan is to offset the medical bills for tumors I had removed. It was a very detailed procedure and many doctors were involved. I retired many years ago and all the money I have saved through the years is pretty much gone and my investments have taken a huge hit (as many of you probably know) I was encouraged to go to this site by a family member and I really do find this a positive experience. I have served my country for over 30 years of active service and hope that some of you find it in your ability to help me.
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
485525
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
|
Amount:
| $12,000.00 |
Prosper Rating:
| AA |
Auction Duration:
| 7 days
|
|
Term:
| 36 months |
Estimated loss:
| 1.30% | | |
| | | |
|
|
Starting lender yield:
| 6.65% |
Starting borrower rate/APR:
| 7.65% / 7.99% |
Starting monthly payment:
| $374.10 |
| |
|
Auction yield range:
| 2.57% - 6.65% |
Estimated loss impact:
| 1.30% | | |
|
Lender servicing fee:
| 1.00% |
Estimated return:
| 5.35% | | |
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
|
Prosper score (1-10):
| 10 |
First credit line:
| Aug-1994 |
Debt/Income ratio:
| 18% |
|
Credit score:
| 780-799 (Nov-2010) |
Inquiries last 6m:
| 0 | Employment status: | Employed |
|
Now delinquent:
| 0 |
Current / open credit lines:
| 7
/
7 | Length of status: | 4y 5m |
|
Amount delinquent:
| $0 |
Total credit lines:
| 13 |
Occupation: | Analyst |
|
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $7,193 | Stated income: | $75,000-$99,999 |
|
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 28% | | |
| | |
Homeownership:
| Yes | | |
|
Screen name:
| archimonde |
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 / 2 |
On-time:
| 24 ( 100% )
| 780-799 (Latest)
|
|
Principal borrowed:
| $19,000.00 | < 31 days late:
| 0
( 0% )
| 800-819
(Dec-2009)
800-819
(Aug-2007)
|
|
Principal balance:
| $0.79 |
31+ days late:
| 0
( 0% )
|
|
Total payments billed:
| 24 | | |
Description
Paying off my credit cards
Purpose of loan:
This loan will be used to pay off my credit card debt.? Also, I will need to fund educational expenses for my wife.
My financial situation:
I am a good candidate for this loan because I have a good credit history, a stable job, and have good track record on prosper paying off previous loans.
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
485537
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
|
Amount:
| $4,500.00 |
Prosper Rating:
| D |
Auction Duration:
| 7 days
|
|
Term:
| 36 months |
Estimated loss:
| 9.80% | | |
| | | |
|
|
Starting lender yield:
| 26.75% |
Starting borrower rate/APR:
| 27.75% / 31.31% |
Starting monthly payment:
| $185.53 |
| |
|
Auction yield range:
| 10.57% - 26.75% |
Estimated loss impact:
| 10.47% | | |
|
Lender servicing fee:
| 1.00% |
Estimated return:
| 16.28% | | |
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
|
Prosper score (1-10):
| 7 |
First credit line:
| Nov-2000 |
Debt/Income ratio:
| 44% |
|
Credit score:
| 720-739 (Nov-2010) |
Inquiries last 6m:
| 0 | Employment status: | Employed |
|
Now delinquent:
| 0 |
Current / open credit lines:
| 10
/
10 | Length of status: | 7y 9m |
|
Amount delinquent:
| $0 |
Total credit lines:
| 24 |
Occupation: | Other |
|
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $2,950 | Stated income: | $1-$24,999 |
|
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 30% | | |
| | |
Homeownership:
| No | | |
|
Screen name:
| PiperLynne |
Borrower's state:
| Florida |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
| Loan history | Payment history | Credit score history |
|
Active / total loans:
| 1 / 1 |
On-time:
| 30 ( 100% )
| 720-739 (Latest)
|
|
Principal borrowed:
| $5,500.00 | < 31 days late:
| 0
( 0% )
| 720-739
(Jul-2010)
660-679
(Apr-2008)
|
|
Principal balance:
| $1,041.84 |
31+ days late:
| 0
( 0% )
|
|
Total payments billed:
| 30 | | |
Description
Consolidation and moving...
Purpose of loan:
This loan will be used to? Consolidate the $3000 in credit card debt accrued going BACK to school and the prosper loan from almost 3 years ago.?
My financial situation:
I am a good candidate for this loan because? I had a wonderful experience with my first loan here.? I am employed full-time and pay all my bills on time.
Monthly net income: $
23,600 BEFORE taxes.? $18,200 AFTER taxes.? This depresses me. lol.
Monthly expenses: $
??Housing: $
0.00 - Live with the parents
??Insurance: $
100
??Car expenses: $
300
??Utilities: $
0.00
??Phone, cable, internet: $
90.00
??Food, entertainment: $
200
??Clothing, household expenses $
0.00
??Credit cards and other loans: $
200-250
??Other expenses: $
140? (Gas to and from work)
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
485549
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
|
Amount:
| $2,500.00 |
Prosper Rating:
| D |
Auction Duration:
| 7 days
|
|
Term:
| 36 months |
Estimated loss:
| 10.80% | | |
| | | |
|
|
Starting lender yield:
| 28.50% |
Starting borrower rate/APR:
| 29.50% / 33.10% |
Starting monthly payment:
| $105.45 |
| |
|
Auction yield range:
| 10.57% - 28.50% |
Estimated loss impact:
| 11.52% | | |
|
Lender servicing fee:
| 1.00% |
Estimated return:
| 16.98% | | |
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):
| 8 |
First credit line:
| Jan-1995 |
Debt/Income ratio:
| 6% |
|
Credit score:
| 680-699 (Nov-2010) |
Inquiries last 6m:
| 0 | Employment status: | Employed |
|
Now delinquent:
| 0 |
Current / open credit lines:
| 10
/
5 | Length of status: | 2y 9m |
|
Amount delinquent:
| $0 |
Total credit lines:
| 37 |
Occupation: | Administrative Assi... |
|
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $86,601 | Stated income: | $100,000+ |
|
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 99% | | |
| | |
Homeownership:
| Yes | | |
|
Screen name:
| hope-balance |
Borrower's state:
| NewYork |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Description
My personal loan
Purpose of loan:
This loan will be used to?
get me through next few months; my tenants are behind in their rent and need some emergency cash.????
My financial situation:
I am a good candidate for this loan because??
I pay my bills on time or ahead of schedule.? I plan on paying this within 6 months.
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
485555
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
|
Amount:
| $25,000.00 |
Prosper Rating:
| AA |
Auction Duration:
| 7 days
|
|
Term:
| 36 months |
Estimated loss:
| 1.55% | | |
| | | |
|
|
Starting lender yield:
| 6.00% |
Starting borrower rate/APR:
| 7.00% / 7.34% |
Starting monthly payment:
| $771.93 |
| |
|
Auction yield range:
| 2.57% - 6.00% |
Estimated loss impact:
| 1.55% | | |
|
Lender servicing fee:
| 1.00% |
Estimated return:
| 4.45% | | |
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):
| 10 |
First credit line:
| Oct-1996 |
Debt/Income ratio:
| 10% |
|
Credit score:
| 780-799 (Nov-2010) |
Inquiries last 6m:
| 0 | Employment status: | Employed |
|
Now delinquent:
| 0 |
Current / open credit lines:
| 5
/
5 | Length of status: | 4y 3m |
|
Amount delinquent:
| $0 |
Total credit lines:
| 18 |
Occupation: | Accountant/CPA |
|
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $1,526 | Stated income: | $100,000+ |
|
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 12% | | |
| | |
Homeownership:
| No | | |
|
Screen name:
| ParkAvenueAssociates |
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
Capital to Reinvest in Prosper.com
Purpose of loan:
This loan will be used to fund loans on Prosper.com
My financial situation:
I am a good candidate for this loan because I have over $200,000 in liquid assets,?a very low debt to income ratio, the capacity to pay back the loan with either monthly income or saving, and I am highly educated (engineering student and MBA) with an excellent employment history.
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
485567
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
|
Amount:
| $2,000.00 |
Prosper Rating:
| D |
Auction Duration:
| 7 days
|
|
Term:
| 36 months |
Estimated loss:
| 9.80% | | |
| | | |
|
|
Starting lender yield:
| 13.50% |
Starting borrower rate/APR:
| 14.50% / 17.78% |
Starting monthly payment:
| $68.84 |
| |
|
Auction yield range:
| 10.57% - 13.50% |
Estimated loss impact:
| 10.10% | | |
|
Lender servicing fee:
| 1.00% |
Estimated return:
| 3.40% | | |
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
|
Prosper score (1-10):
| 8 |
First credit line:
| Oct-2003 |
Debt/Income ratio:
| 10% |
|
Credit score:
| 660-679 (Nov-2010) |
Inquiries last 6m:
| 0 | Employment status: | Employed |
|
Now delinquent:
| 1 |
Current / open credit lines:
| 5
/
5 | Length of status: | 2y 2m |
|
Amount delinquent:
| $600 |
Total credit lines:
| 11 |
Occupation: | Accountant/CPA |
|
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $879 | Stated income: | $25,000-$49,999 |
|
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 67% | | |
| | |
Homeownership:
| No | | |
|
Screen name:
| PDXHawkeye |
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.
Prosper Activity
| Loan history | Payment history | Credit score history |
|
Active / total loans:
| 1 / 1 |
On-time:
| 31 ( 100% )
| 660-679 (Latest)
|
|
Principal borrowed:
| $4,000.00 | < 31 days late:
| 0
( 0% )
| 600-619
(Mar-2008)
|
|
Principal balance:
| $674.48 |
31+ days late:
| 0
( 0% )
|
|
Total payments billed:
| 31 | | |
Description
Help me improve my credit score! :)
Purpose of loan:
This loan will be used to pay off the remainder of my first Prosper loan and the balance on my University bill.? I want to get a second loan to continue to improve my credit score.
My financial situation:
I am a good candidate for this loan because I have a stable income, love the work I do, and you can see my perfect repayment record from my current Prosper loan.
Monthly net income: $1915
Monthly expenses: $1145
??Housing: $450
??Insurance: $100
??Car expenses: $150
??Utilities: $0
??Phone, cable, internet: $45
??Food, entertainment: $150
??Clothing, household expenses $50
??Credit cards and other loans: $150
??Other expenses: $50
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
485579
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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:
| Sep-1996 |
Debt/Income ratio:
| 42% |
|
Credit score:
| 640-659 (Nov-2010) |
Inquiries last 6m:
| 3 | Employment status: | Employed |
|
Now delinquent:
| 11 |
Current / open credit lines:
| 5
/
4 | Length of status: | 11y 6m |
|
Amount delinquent:
| $69,924 |
Total credit lines:
| 30 |
Occupation: | Food Service |
|
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $3,220 | Stated income: | $1-$24,999 |
|
Delinquencies in last 7y:
| 46 |
Bankcard utilization:
| 100% | | |
| | |
Homeownership:
| Yes | | |
|
Screen name:
| valiant-revenue0 |
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
I would like to finish school
Purpose of loan:
This loan will be used to?
go back and finish school.? I would like to be a paralegal.?
My financial situation:
I am a good candidate for this loan because?
I am currently employed and have been working for the same company for 11 and a half years.? I am able to make payments of $340 a month.? It is within my budget.
Monthly net income: $
2000
Monthly expenses: $
??Housing: $ 675
??Insurance: $ 110
??Car expenses: $ 500
??Utilities: $?130
??Phone, cable, internet: $ 50
??Food, entertainment: $ 50
??Clothing, household expenses $ 50
??Credit cards and other loans: $
??Other expenses: $
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
485587
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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:
| 31.20% |
Starting borrower rate/APR:
| 33.20% / 36.88% |
Starting monthly payment:
| $221.12 |
| |
|
Auction yield range:
| 13.57% - 31.20% |
Estimated loss impact:
| 15.63% | | |
|
Lender servicing fee:
| 1.00% |
Estimated return:
| 15.57% | | |
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
|
Prosper score (1-10):
| 6 |
First credit line:
| Nov-1999 |
Debt/Income ratio:
| 13% |
|
Credit score:
| 660-679 (Nov-2010) |
Inquiries last 6m:
| 0 | Employment status: | Employed |
|
Now delinquent:
| 0 |
Current / open credit lines:
| 6
/
2 | Length of status: | 8y 3m |
|
Amount delinquent:
| $0 |
Total credit lines:
| 22 |
Occupation: | Analyst |
|
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $0 | Stated income: | $50,000-$74,999 |
|
Delinquencies in last 7y:
| 3 |
Bankcard utilization:
| 0% | | |
| | |
Homeownership:
| No | | |
|
Screen name:
| payment-utensil4 |
Borrower's state:
| Maryland |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Description
Lending money for school
Purpose of loan:
This loan will be used to?
Enroll in some online courses this winter and have a few extra dollars for the holiday season.
My financial situation:
I am a good candidate for this loan because? My credit is good, with no collections and every thing is current.
Monthly net income: $ 2800
Monthly expenses: $
??Housing: $ 800
??Insurance: $ 200
??Car expenses: $ 360
??Utilities: $ All utils included
??Phone, cable, internet: $ 100
??Food, entertainment: $ 100
??Clothing, household expenses $ N/A
??Credit cards and other loans: $ N/A
??Other expenses: $ N/A
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
485589
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
|
Amount:
| $15,000.00 |
Prosper Rating:
| C |
Auction Duration:
| 7 days
|
|
Term:
| 36 months |
Estimated loss:
| 8.70% | | |
| | | |
|
|
Starting lender yield:
| 20.40% |
Starting borrower rate/APR:
| 21.40% / 24.82% |
Starting monthly payment:
| $568.21 |
| |
|
Auction yield range:
| 7.57% - 20.40% |
Estimated loss impact:
| 9.18% | | |
|
Lender servicing fee:
| 1.00% |
Estimated return:
| 11.22% | | |
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own 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-1989 |
Debt/Income ratio:
| 13% |
|
Credit score:
| 800-819 (Nov-2010) |
Inquiries last 6m:
| 2 | Employment status: | Employed |
|
Now delinquent:
| 0 |
Current / open credit lines:
| 4
/
3 | Length of status: | 36y 4m |
|
Amount delinquent:
| $0 |
Total credit lines:
| 13 |
Occupation: | Other |
|
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $0 | Stated income: | $75,000-$99,999 |
|
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 0% | | |
| | |
Homeownership:
| No | | |
|
Screen name:
| selector155 |
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
pay off my bills
Purpose of loan:
This loan will be used to?
pay of my outstanding bills
My financial situation:
I am a good candidate for this loan because?i have an excellent job
Monthly net income: $
Monthly expenses: $
??Housing: $
900
??Insurance: $
1200
??Car expenses: $
250
??Utilities: $ 150
??Phone, cable, internet: $
150
??Food, entertainment: $
150
??Clothing, household expenses $
300
??Credit cards and other loans: $
1500
??Other expenses: $
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
485597
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
|
Amount:
| $2,000.00 |
Prosper Rating:
| D |
Auction Duration:
| 7 days
|
|
Term:
| 36 months |
Estimated loss:
| 10.80% | | |
| | | |
|
|
Starting lender yield:
| 28.50% |
Starting borrower rate/APR:
| 29.50% / 33.10% |
Starting monthly payment:
| $84.36 |
| |
|
Auction yield range:
| 10.57% - 28.50% |
Estimated loss impact:
| 11.52% | | |
|
Lender servicing fee:
| 1.00% |
Estimated return:
| 16.98% | | |
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):
| 7 |
First credit line:
| Apr-1992 |
Debt/Income ratio:
| 8% |
|
Credit score:
| 640-659 (Nov-2010) |
Inquiries last 6m:
| 2 | Employment status: | Employed |
|
Now delinquent:
| 0 |
Current / open credit lines:
| 7
/
7 | Length of status: | 0y 7m |
|
Amount delinquent:
| $0 |
Total credit lines:
| 46 |
Occupation: | Administrative Assi... |
|
Public records last 12m / 10y:
| 0/ 1 |
Revolving credit balance:
| $463 | Stated income: | $50,000-$74,999 |
|
Delinquencies in last 7y:
| 13 |
Bankcard utilization:
| 14% | | |
| | |
Homeownership:
| No | | |
|
Screen name:
| restless-credit260 |
Borrower's state:
| California |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Description
Paying off my credit cards
Purpose of loan:
This loan will be used to? pay off credit cards.
My financial situation:
I am a good candidate for this loan because? great income, limited bills owed.
Monthly net income: $ 6,289.12
Monthly expenses: $
??Housing: $ 1600.00
??Insurance: $ 148.00
??Car expenses: $?192.00??Utilities: $
??Phone, cable, internet: $ 111.27
??Food, entertainment: $ 350.00
??Clothing, household expenses $ 250.00
??Credit cards and other loans: $ 325.00
??Other expenses: $
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
485601
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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):
| 3 |
First credit line:
| Sep-1998 |
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:
| 6
/
4 | Length of status: | 0y 5m |
|
Amount delinquent:
| $0 |
Total credit lines:
| 17 |
Occupation: | Laborer |
|
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $17,446 | Stated income: | $1-$24,999 |
|
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 85% | | |
| | |
Homeownership:
| Yes | | |
|
Screen name:
| gold-plato6 |
Borrower's state:
| Michigan |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Description
travel
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
485603
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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:
| 36.00% / 42.39% |
Starting monthly payment:
| $45.80 |
| |
|
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:
| Oct-2008 |
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:
| 2
/
0 | Length of status: | 2y 1m |
|
Amount delinquent:
| $0 |
Total credit lines:
| 2 |
Occupation: | Accountant/CPA |
|
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $0 | Stated income: | $25,000-$49,999 |
|
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 0% | | |
| | |
Homeownership:
| No | | |
|
Screen name:
| transaction-happiness7 |
Borrower's state:
| Pennsylvania |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Description
Paying Rent for 2 months
Purpose of loan:
This loan will be used to? pay rent
My financial situation:
I am a good candidate for this loan because?
I will return the money in time all the time
Monthly net income: $
$600.00
Monthly expenses: $
??Housing: $ 600
??Insurance: $ 0
??Car expenses: $ 0
??Utilities: $
??Phone,0 cable,100 internet: $0
??Food,40?entertainment: $ 20
??Clothing, household expenses $ 0
??Credit cards and other loans: $ 0
??Other expenses: $ 0
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
485607
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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:
| C |
Auction Duration:
| 7 days
|
|
Term:
| 36 months |
Estimated loss:
| 8.70% | | |
| | | |
|
|
Starting lender yield:
| 19.90% |
Starting borrower rate/APR:
| 20.90% / 24.31% |
Starting monthly payment:
| $225.74 |
| |
|
Auction yield range:
| 7.57% - 19.90% |
Estimated loss impact:
| 9.16% | | |
|
Lender servicing fee:
| 1.00% |
Estimated return:
| 10.74% | | |
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
|
Prosper score (1-10):
| 7 |
First credit line:
| Jul-1993 |
Debt/Income ratio:
| 56% |
|
Credit score:
| 780-799 (Nov-2010) |
Inquiries last 6m:
| 2 | Employment status: | Employed |
|
Now delinquent:
| 0 |
Current / open credit lines:
| 11
/
9 | Length of status: | 7y 8m |
|
Amount delinquent:
| $0 |
Total credit lines:
| 36 |
Occupation: | Skilled Labor |
|
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $1,589 | Stated income: | $25,000-$49,999 |
|
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 4% | | |
| | |
Homeownership:
| No | | |
|
Screen name:
| duty-jam |
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
Home remodeling
Purpose of loan:
to build a master bedroom on the 1st floor of my home?
My financial situation:
I am a good candidate for this loan because I pay all of my bills on time never late and my home is paid off
Monthly net income: $ 2800
Monthly expenses: $
??Housing: $ 0
??Insurance: $ 75
??Car expenses: $100
??Utilities: $ 100
??Phone, cable, internet: $ 25
??Food, entertainment: $?300
??Clothing, household expenses $?50
??Credit cards and other loans: $?400
??Other expenses: $
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
485615
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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:
| 18.90% / 20.34% |
Starting monthly payment:
| $388.28 |
| |
|
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:
| Jun-1972 |
Debt/Income ratio:
| Not calculated |
|
Credit score:
| 800-819 (Nov-2010) |
Inquiries last 6m:
| 1 | Employment status: | Other |
|
Now delinquent:
| 0 |
Current / open credit lines:
| 2
/
2 | Length of status: | 0y 10m |
|
Amount delinquent:
| $0 |
Total credit lines:
| 9 |
Occupation: | Other |
|
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $44,860 | Stated income: | $50,000-$74,999 |
|
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 33% | | |
| | |
Homeownership:
| No | | |
|
Screen name:
| community-fir |
Borrower's state:
| Alabama |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Description
business investment
Purpose of loan:
This loan will be used to?
other-business investment loan to account. loan will be used as liquidity to protect initial principle; projected return on loan to be 1.13% per/mnth. credit worthiness substantiates loan and termsMy financial situation:
I am a good candidate for this loan because?
Monthly net income: $ 3500
Monthly expenses: $ 1500
??Housing: $ 400
??Insurance: $ 100
??Car expenses: $?50
??Utilities: $ 200
??Phone, cable, internet: $ 50
??Food, entertainment: $ 200
??Clothing, household expenses $ 10
??Credit cards and other loans: $ 300
??Other expenses: $
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
485617
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
|
Amount:
| $3,000.00 |
Prosper Rating:
| E |
Auction Duration:
| 7 days
|
|
Term:
| 36 months |
Estimated loss:
| 14.20% | | |
| | | |
|
|
Starting lender yield:
| 19.00% |
Starting borrower rate/APR:
| 20.00% / 23.39% |
Starting monthly payment:
| $111.49 |
| |
|
Auction yield range:
| 13.57% - 19.00% |
Estimated loss impact:
| 15.04% | | |
|
Lender servicing fee:
| 1.00% |
Estimated return:
| 3.96% | | |
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
|
Prosper score (1-10):
| 5 |
First credit line:
| Apr-1994 |
Debt/Income ratio:
| 41% |
|
Credit score:
| 660-679 (Nov-2010) |
Inquiries last 6m:
| 0 | Employment status: | Employed |
|
Now delinquent:
| 0 |
Current / open credit lines:
| 11
/
10 | Length of status: | 4y 2m |
|
Amount delinquent:
| $0 |
Total credit lines:
| 18 |
Occupation: | Pilot - Private/Com... |
|
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $13,554 | Stated income: | $25,000-$49,999 |
|
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 99% | | |
| | |
Homeownership:
| No | | |
|
Screen name:
| open-minded-market99 |
Borrower's state:
| Illinois |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Description
consolidating debt
This loan will be used to restructure and consolidate a portion of my debt in an effort to improve my credit and increase my available cashflow for debt payment.
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
485621
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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:
| 28.50% |
Starting borrower rate/APR:
| 29.50% / 33.10% |
Starting monthly payment:
| $274.16 |
| |
|
Auction yield range:
| 10.57% - 28.50% |
Estimated loss impact:
| 11.52% | | |
|
Lender servicing fee:
| 1.00% |
Estimated return:
| 16.98% | | |
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):
| 6 |
First credit line:
| Aug-1982 |
Debt/Income ratio:
| 8% |
|
Credit score:
| 720-739 (Nov-2010) |
Inquiries last 6m:
| 2 | Employment status: | Employed |
|
Now delinquent:
| 0 |
Current / open credit lines:
| 6
/
4 | Length of status: | 4y 8m |
|
Amount delinquent:
| $0 |
Total credit lines:
| 20 |
Occupation: | Analyst |
|
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $0 | Stated income: | $100,000+ |
|
Delinquencies in last 7y:
| 3 |
Bankcard utilization:
| 0% | | |
| | |
Homeownership:
| Yes | | |
|
Screen name:
| responsive-investment0 |
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
Short term loan - medical expenses
Purpose of loan:
My family has had?unexpected medical expenses this year, my wife has been unable to work, and my annual bonus will not be paid until March.? I am seeking a short term loan that I hope to pay off in less than 1 year.
My financial situation:
I am a good candidate for this loan because my income will support the repayment, given that about half of my annual compensation is paid in an annual bonus in March.? This has been a difficult year, and a short term loan will help.? I am highly confident that I will be able to make these loan payments promptly.? My documented income is over $350,000 per year.
The delinquencies reported in this listing were all paid in full.? I have not acted wisely in the past, and I am committed to improving that record going forward.? I fully expect to repay this loan in full, and I do not expect that there will be any losses for lenders.? I consider this an opportunity to gain some recovery in my financial behavior.? Thank you.
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
485629
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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:
| Jun-1994 |
Debt/Income ratio:
| 28% |
|
Credit score:
| 740-759 (Nov-2010) |
Inquiries last 6m:
| 1 | Employment status: | Employed |
|
Now delinquent:
| 1 |
Current / open credit lines:
| 3
/
2 | Length of status: | 2y 10m |
|
Amount delinquent:
| $284 |
Total credit lines:
| 14 |
Occupation: | Skilled Labor |
|
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $1,877 | Stated income: | $25,000-$49,999 |
|
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 0% | | |
| | |
Homeownership:
| No | | |
|
Screen name:
| return-shrubbery |
Borrower's state:
| Tennessee |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Description
pay off a priviate loan
I really need to get a loan.? I have a debt that I need to pay off as soon as I can.? I need $7,500.00 by the end of December of this year.? I borrowed money from a friend who now needs there money back because they find themselves in a money bind due to the fact?of job lay-off.?
I am a honest man, I work hard and pay what I owe.? I do not belive a person ever gets a free ride.? I owe money, yes.? People make a choice some belive that they are owed and others like me know that we are not owed anything.? If you want something you work for it.? If you owe a debt you pay that debt.? No bail outs.? You work and you pay back what you owe.
My financial situation:.I? owe Chase and Sears credit cards.?? One of those is the $354, that showes up in my credit profile as being delinquent.? My wife got with each of the credit card companies and has worked out a payment plain so that we will have them both paid off in 3 to 4 years.? They said that the delinquent balance would be comming off in a month or so.? We also have montly bills that always comes due cable,? phones, utilities, insurances, house, truck, food, medicine, and where we have a balance due on Lowes, Wal-Mart, GEMoney cards .?
Monthly net income: $2,000 to 2,500 it depends on the amount of overtime I get a week?
Monthly expenses: $
??Housing: $519,70
??Insurance: $190
??Car expenses: $308
??Utilities: $100
??Phone, cable, internet: $200
??Food, entertainment: $300
??Clothing, household expenses $
??Credit cards and other loans:?
??Other expenses: $
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
485637
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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:
| Jul-1992 |
Debt/Income ratio:
| 26% |
|
Credit score:
| 720-739 (Nov-2010) |
Inquiries last 6m:
| 3 | Employment status: | Employed |
|
Now delinquent:
| 0 |
Current / open credit lines:
| 8
/
8 | Length of status: | 22y 6m |
|
Amount delinquent:
| $0 |
Total credit lines:
| 26 |
Occupation: | Military Enlisted |
|
Public records last 12m / 10y:
| 0/ 1 |
Revolving credit balance:
| $795 | Stated income: | $50,000-$74,999 |
|
Delinquencies in last 7y:
| 2 |
Bankcard utilization:
| 12% | | |
| | |
Homeownership:
| No | | |
|
Screen name:
| treasure-alien9 |
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
Consolidating all bills
Purpose of loan:
This loan will be used to?? Consolidate all my Bills into one payment
My financial situation:
I am a good candidate for this loan because?? I have been in good standing since my past discrepancies due to divorce and starting over
Monthly net income: $? 3,100
Monthly expenses: $
??Housing: $?0 Military housing
??Insurance: $? 500 year
??Car expenses: $? 120 a month Gas
??Utilities: $? Based on usage Money is given back to me, for not going over our limit on usage
??Phone, cable, internet: $? 110.00
??Food, entertainment: $? 350.00
??Clothing, household expenses $? 250.00
??Credit cards and other loans: $? 500.00
??Other expenses: $
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
485647
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
|
Amount:
| $2,000.00 |
Prosper Rating:
| D |
Auction Duration:
| 7 days
|
|
Term:
| 36 months |
Estimated loss:
| 10.80% | | |
| | | |
|
|
Starting lender yield:
| 28.50% |
Starting borrower rate/APR:
| 29.50% / 33.10% |
Starting monthly payment:
| $84.36 |
| |
|
Auction yield range:
| 10.57% - 28.50% |
Estimated loss impact:
| 11.52% | | |
|
Lender servicing fee:
| 1.00% |
Estimated return:
| 16.98% | | |
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):
| 5 |
First credit line:
| Feb-2000 |
Debt/Income ratio:
| Not calculated |
|
Credit score:
| 740-759 (Nov-2010) |
Inquiries last 6m:
| 0 | Employment status: | Other |
|
Now delinquent:
| 0 |
Current / open credit lines:
| 3
/
3 | Length of status: | 3y 5m |
|
Amount delinquent:
| $0 |
Total credit lines:
| 5 |
Occupation: | Other |
|
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $975 | Stated income: | $1-$24,999 |
|
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 18% | | |
| | |
Homeownership:
| No | | |
|
Screen name:
| benjamins-collider9 |
Borrower's state:
| Nevada |
Borrower's group:
| FUTURE FINANCIAL FREEDOM 1 |
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Description
Paying of my credit cards forever!!
Purpose of loan:
This loan will be used to pay off my credit cards forever!!
My financial situation:
I am a good candidate for this loan because I have no other debt or expenses other than the pesky?balances on a few cards.? I live with my daughter so no worries about rent or utilities.? I own my vehicle and have no other debt and this is my plan to streamline my current debt to get rid of it for good.?:) ?In fact, I am not a big credit card user, even my bankcard utilization came back as 18% and I've only had credit for less than 10 years.? This is my first time to Propser and am excited about the?program and becoming?credit card debt free!!?
I also believe in giving back, so I do hope to become a lender after my financial situation is squared away.?
Monthly net income: $1000
Monthly expenses: $ 400
??Housing: $
??Insurance: $ 100
??Car expenses: $
??Utilities: $
??Phone, cable, internet: $ 50
??Food, entertainment: $ 250
??Clothing, household expenses $
??Credit cards and other loans: $
??Other expenses: $
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
485655
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
|
Amount:
| $4,500.00 |
Prosper Rating:
| D |
Auction Duration:
| 7 days
|
|
Term:
| 36 months |
Estimated loss:
| 10.80% | | |
| | | |
|
|
Starting lender yield:
| 30.50% |
Starting borrower rate/APR:
| 31.50% / 35.14% |
Starting monthly payment:
| $194.75 |
| |
|
Auction yield range:
| 10.57% - 30.50% |
Estimated loss impact:
| 11.57% | | |
|
Lender servicing fee:
| 1.00% |
Estimated return:
| 18.93% | | |
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
|
Prosper score (1-10):
| 6 |
First credit line:
| Oct-1998 |
Debt/Income ratio:
| 24% |
|
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:
| 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
Third listing: A+ Student Loan
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 need two more quarters in order to graduate.?? This money will pay for approximately 75% of what I need.
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
Thank you to everyone who bid on my loan the first time and second times around.? Please consider doing it this time as well.?
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
485665
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
|
Amount:
| $4,500.00 |
Prosper Rating:
| HR |
Auction Duration:
| 7 days
|
|
Term:
| 36 months |
Estimated loss:
| 18.30% | | |
| | | |
|
|
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:
| 20.31% | | |
|
Lender servicing fee:
| 1.00% |
Estimated return:
| 13.69% | | |
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
|
Prosper score (1-10):
| 4 |
First credit line:
| Sep-1993 |
Debt/Income ratio:
| 17% |
|
Credit score:
| 660-679 (Nov-2010) |
Inquiries last 6m:
| 5 | Employment status: | Employed |
|
Now delinquent:
| 0 |
Current / open credit lines:
| 7
/
6 | Length of status: | 2y 8m |
|
Amount delinquent:
| $0 |
Total credit lines:
| 12 |
Occupation: | Other |
|
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $2,687 | Stated income: | $1-$24,999 |
|
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 83% | | |
| | |
Homeownership:
| No | | |
|
Screen name:
| trk |
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
New Water Well
Purpose of loan:
This loan will be used to have a new water well dug. We currently have a 65ft 4" well (drilled well), with good quality water,
unfortunately it is a very low capacity producing well (less than 1 gallon a minute).
We are seeking a loan to construct what is referred to as a "bored well", that type of well is a 3ft hold bored down to about 80 ft,
then lined with 30ft of 3ft casing, giving a large storage capacity well.
The current well is the second on the property, and both have been great quality of water, but both are very low flow.
After consulting with a local well driller (harper), the only real permanant solution would be the bored well.
My financial situation:
I am a good candidate for this loan because myself and roommate both work full time at the local newspaper (Danville Commercial news),
our combined income is $700 a week.
We are in a unique situation, that we owe nothing on our home, property, and all vehicles we have are completely paid for.
We are hoping to get a new well dug in the spring of 2011
The expenses below are typical for a month. Our employement is steady and long term, so repayment of a loan would not be a problem.
Monthly net income: $2800
Monthly expenses: $2400
??Housing: $0
??Car expenses: $1400
??Utilities: $200
??Phone, cable, internet: $75
??Food, entertainment: $400
??Clothing, household expenses $200
??Credit cards and other loans: $100
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
485679
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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:
| Jun-1956 |
Debt/Income ratio:
| 33% |
|
Credit score:
| 660-679 (Nov-2010) |
Inquiries last 6m:
| 3 | Employment status: | Employed |
|
Now delinquent:
| 0 |
Current / open credit lines:
| 6
/
4 | Length of status: | 33y 10m |
|
Amount delinquent:
| $0 |
Total credit lines:
| 13 |
Occupation: | Laborer |
|
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $3,733 | Stated income: | $25,000-$49,999 |
|
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 96% | | |
| | |
Homeownership:
| No | | |
|
Screen name:
| worlds-best-auction2 |
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 credit cards
Purpose of loan:
This loan will be used to?
pay off existing revolving debt
My financial situation:
I am a good candidate for this loan because?I have good credit and have always made payments on time.?
My credit score has recently gone up to 692.
Monthly net income: $
2000.
Monthly expenses: $
800
??Housing: $
375
??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
485691
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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:
| 29.00% |
Starting borrower rate/APR:
| 30.00% / 33.61% |
Starting monthly payment:
| $212.26 |
| |
|
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):
| 6 |
First credit line:
| Aug-1999 |
Debt/Income ratio:
| 20% |
|
Credit score:
| 620-639 (Nov-2010) |
Inquiries last 6m:
| 1 | Employment status: | Employed |
|
Now delinquent:
| 0 |
Current / open credit lines:
| 8
/
7 | Length of status: | 9y 2m |
|
Amount delinquent:
| $0 |
Total credit lines:
| 10 |
Occupation: | Retail Management |
|
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $18,293 | Stated income: | $50,000-$74,999 |
|
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 100% | | |
| | |
Homeownership:
| No | | |
|
Screen name:
| aitakumi |
Borrower's state:
| California |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
| Loan history | Payment history | Credit score history |
|
Active / total loans:
| 1 / 2 |
On-time:
| 18 ( 100% )
| 620-639 (Latest)
|
|
Principal borrowed:
| $10,500.00 | < 31 days late:
| 0
( 0% )
| 620-639
(Oct-2009)
620-639
(Jan-2007)
|
|
Principal balance:
| $5,195.38 |
31+ days late:
| 0
( 0% )
|
|
Total payments billed:
| 18 | | |
Description
Debt Consolidation
Hello,
???? I am in process of re-paying another loan that I took on from the Prosper community last year to consolidate debt.? It has been outstanding and I am on-time with all my payments.? I took the original loan to consolidate debt to attack the principle amount I owed by consolidating my payments into one and bypassing all the money I was losing to cards fees, membership fees, and spread out minimums.? This has worked wonders as I am currently more than $1,000 ahead in repayment, than I would have been if I was still paying all the cards seperately.? That being said, I have another 3 cards that I would like to consolidate in the same manner.? This plan still revolves around forcing the majority of my payment towards a principle balance instead of being spread out among several cards.
Thank you.
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
475790
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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:
| Aug-1989 |
Debt/Income ratio:
| Not calculated |
|
Credit score:
| 640-659 (Nov-2010) |
Inquiries last 6m:
| 2 | Employment status: | Employed |
|
Now delinquent:
| 0 |
Current / open credit lines:
| 4
/
4 | Length of status: | 5y 7m |
|
Amount delinquent:
| $0 |
Total credit lines:
| 15 |
Occupation: | Administrative Assi... |
|
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $3,726 | Stated income: | $25,000-$49,999 |
|
Delinquencies in last 7y:
| 19 |
Bankcard utilization:
| 85% | | |
| | |
Homeownership:
| No | | |
|
Screen name:
| ascoca |
Borrower's state:
| NewYork |
Borrower's group:
| BORROWERS - LARGEST GROUP |
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Description
Moving and selling Auto
Purpose of loan:
Selling my used 2007 Chrysler 300 and need loan to paydown loan for sale of my car. Current payment is $627. After loan for $7500, will be investing another $2500 to sell the car for $11,800. Need to have funds available within 30 days for buyer on car to payoff finance loan.
Monthly net income: $3333
Monthly expenses:
??Housing: $725
??Utilities: $87
??Phone, cable, internet: $59
??Food, entertainment: $50
??Credit cards and other loans: $190
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
480882
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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:
| 13.90% |
Starting borrower rate/APR:
| 14.90% / 17.07% |
Starting monthly payment:
| $242.31 |
| |
|
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:
| Oct-1997 |
Debt/Income ratio:
| 26% |
|
Credit score:
| 760-779 (Nov-2010) |
Inquiries last 6m:
| 0 | Employment status: | Employed |
|
Now delinquent:
| 0 |
Current / open credit lines:
| 5
/
4 | Length of status: | 1y 9m |
|
Amount delinquent:
| $0 |
Total credit lines:
| 13 |
Occupation: | Sales - Retail |
|
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $1,954 | Stated income: | $1-$24,999 |
|
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 16% | | |
| | |
Homeownership:
| No | | |
|
Screen name:
| eddie337 |
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
Used Car Loan And Take A Class
Purpose of loan:
This loan will be used to purchase a car from a family member for $3,200 and take $3,000 down towards a police academy course at a local school for spring class, like to get into law enforcement eventually if nothing else work for a private security company. it's hard to get a bank loan? I wanted to try my luck on prosper since I heard alot about this site.
My financial situation:
I am a good candidate for this loan because I'm currently employed I make sure to pay off my debts on time, I take great pride in my credit rating, working at autozone I get at least $500 extra each month in cash jobs working as a mechanic on customers cars.? which doesn't show up in my yearly income ratio.? its good to work hard staying busy and see what someone can achieve in life.?
Monthly net income: $1600
Monthly expenses: $
150
??Housing: $
0 live with my parents the house is paid off in full
??Insurance: $
115 for 6 months of auto insurance
??Car expenses: $
60 in gas per month I live close to work 2 miles away.
??Utilities: $0
??Phone, cable, internet: $
125 per month
??Food, entertainment: $
150 per month on food
??Clothing, household expenses $
50
??Credit cards and other loans: $ 150 per month
??Other expenses: $0
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
483630
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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:
| 24.00% |
Starting borrower rate/APR:
| 25.00% / 28.90% |
Starting monthly payment:
| $59.64 |
| |
|
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-1989 |
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:
| 4
/
4 | Length of status: | 0y 1m |
|
Amount delinquent:
| $0 |
Total credit lines:
| 17 |
Occupation: | Computer Programmer |
|
Public records last 12m / 10y:
| 1/ 1 |
Revolving credit balance:
| $4,888 | Stated income: | $75,000-$99,999 |
|
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 44% | | |
| | |
Homeownership:
| No | | |
|
Screen name:
| brightest-organized-payout6 |
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
Increase credit score
Purpose of loan:
This loan will be used to increase my credit score as I have no current loans in my name.
My financial situation:
I am a good candidate for this loan because income to debt ratio is very good. I am not?overdue/late on any account and have no intentions of doing so.
Monthly net income: $ 6,000
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
483942
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
|
Amount:
| $5,000.00 |
Prosper Rating:
| HR |
Auction Duration:
| 7 days
|
|
Term:
| 36 months |
Estimated loss:
| 24.00% | | |
| | | |
|
|
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:
| 26.01% | | |
|
Lender servicing fee:
| 1.00% |
Estimated return:
| 7.99% | | |
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
|
Prosper score (1-10):
| 3 |
First credit line:
| Apr-1975 |
Debt/Income ratio:
| Not calculated |
|
Credit score:
| 640-659 (Nov-2010) |
Inquiries last 6m:
| 0 | Employment status: | Employed |
|
Now delinquent:
| 1 |
Current / open credit lines:
| 3
/
3 | Length of status: | 6y 8m |
|
Amount delinquent:
| $91 |
Total credit lines:
| 6 |
Occupation: | Skilled Labor |
|
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $1,829 | Stated income: | $50,000-$74,999 |
|
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 14% | | |
| | |
Homeownership:
| No | | |
|
Screen name:
| blue-return-atizer |
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
Travle
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
484906
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
|
Amount:
| $4,000.00 |
Prosper Rating:
| HR |
Auction Duration:
| 7 days
|
|
Term:
| 36 months |
Estimated loss:
| 24.00% | | |
| | | |
|
|
Starting lender yield:
| 34.00% |
Starting borrower rate/APR:
| 35.00% / 38.72% |
Starting monthly payment:
| $180.94 |
| |
|
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-2008 |
Debt/Income ratio:
| 18% |
|
Credit score:
| 700-719 (Nov-2010) |
Inquiries last 6m:
| 2 | Employment status: | Employed |
|
Now delinquent:
| 0 |
Current / open credit lines:
| 3
/
3 | Length of status: | 3y 3m |
|
Amount delinquent:
| $0 |
Total credit lines:
| 3 |
Occupation: | Landscaping |
|
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $0 | Stated income: | $1-$24,999 |
|
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 0% | | |
| | |
Homeownership:
| No | | |
|
Screen name:
| independent-money |
Borrower's state:
| NewYork |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Description
My loan for an auto purchase
Purpose of loan:
This loan will be used to buy an auto where I can get a better job.
My financial situation:
I am a good candidate for this loan because I always pay my bills on time and I can get a car like i always wanted.
Monthly net income: $
1,640 a month
Monthly expenses: $
??Housing: $
I live with my mother help around but not on a daily bases.
??Insurance: $
??Car expenses: $
??Utilities: $
??Phone, cable, internet: $
96.78 my cell phone bill monthly
??Food, entertainment: $
??Clothing, household expenses $
??Credit cards and other loans: $
??Other expenses: $
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
485056
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
|
Amount:
| $3,500.00 |
Prosper Rating:
| HR |
Auction Duration:
| 7 days
|
|
Term:
| 36 months |
Estimated loss:
| 36.60% | | |
| | | |
|
|
Starting lender yield:
| 18.00% |
Starting borrower rate/APR:
| 19.00% / 22.37% |
Starting monthly payment:
| $128.30 |
| |
|
Auction yield range:
| 16.57% - 18.00% |
Estimated loss impact:
| 37.60% | | |
|
Lender servicing fee:
| 1.00% |
Estimated return:
| -19.60% | | |
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
|
Prosper score (1-10):
| 1 |
First credit line:
| Jan-1988 |
Debt/Income ratio:
| Self-employed (DTI Not Calculated) |
|
Credit score:
| 600-619 (Nov-2010) |
Inquiries last 6m:
| 1 | Employment status: | Self-employed |
|
Now delinquent:
| 1 |
Current / open credit lines:
| 3
/
3 | Length of status: | 8y 10m |
|
Amount delinquent:
| $176 |
Total credit lines:
| 31 |
Occupation: | Other |
|
Public records last 12m / 10y:
| 0/ 4 |
Revolving credit balance:
| $7,216 | Stated income: | $100,000+ |
|
Delinquencies in last 7y:
| 10 |
Bankcard utilization:
| 93% | | |
| | |
Homeownership:
| Yes | | |
|
Screen name:
| padgettproperties |
Borrower's state:
| Kentucky |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
| Loan history | Payment history | Credit score history |
|
Active / total loans:
| 0 / 1 |
On-time:
| 22 ( 100% )
| 600-619 (Latest)
|
|
Principal borrowed:
| $25,000.00 | < 31 days late:
| 0
( 0% )
| 660-679
(Dec-2009)
660-679
(Aug-2007)
|
|
Principal balance:
| $0.01 |
31+ days late:
| 0
( 0% )
|
|
Total payments billed:
| 22 | | |
Description
Car wash Inventory
Purpose of loan:
This loan will be used for inventory
My financial situation:
I am a good candidate for this loan because?I have had a Prosper loan in the past and never missed a payment.?
The car wash business picks up this time of year. This will help get the additional inventory?I need.?
Monthly net income: $21,000
Monthly expenses: $
??Housing: $ 2600
??Insurance: $ 1,100
??Car expenses: $ 165
??Utilities: $ 3,800
??Phone, cable, internet: $225,00
??Food, entertainment: $465.00
??Clothing, household expenses $ 385.00
??Credit cards and other loans: $395.00
??Other expenses: $ 210 Car Wash Payment $5,600
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
485440
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
|
Amount:
| $3,000.00 |
Prosper Rating:
| HR |
Auction Duration:
| 7 days
|
|
Term:
| 36 months |
Estimated loss:
| 18.30% | | |
| | | |
|
|
Starting lender yield:
| 17.00% |
Starting borrower rate/APR:
| 19.00% / 22.37% |
Starting monthly payment:
| $109.97 |
| |
|
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:
| Jun-2005 |
Debt/Income ratio:
| 13% |
|
Credit score:
| 740-759 (Nov-2010) |
Inquiries last 6m:
| 4 | Employment status: | Employed |
|
Now delinquent:
| 0 |
Current / open credit lines:
| 6
/
6 | Length of status: | 5y 3m |
|
Amount delinquent:
| $0 |
Total credit lines:
| 12 |
Occupation: | Teacher |
|
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $257 | Stated income: | $25,000-$49,999 |
|
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 0% | | |
| | |
Homeownership:
| No | | |
|
Screen name:
| fairness-observatory6 |
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
pay off debt
Purpose of loan:
This loan will be used to?pay off debt
My financial situation: good but my husband is still in school and will receive a civil engineering degree in May 2011
I am a good candidate for this loan because?I work hard and want to keep my good credit score. I have a one year old and the next few months will be hard on us. I will pay this loan back without having a late payment, and I plan on not getting anymore loans in the future. This loan is basically help because my husband is still in school, but he has pretty much found an engineering job when he gets out of school, which we hope will solve most of our financial problems.
Monthly net income: $ $3800
Monthly expenses: $
??Housing: $760
??Insurance: $0
??Car expenses: $260
??Utilities: $250
??Phone, cable, internet: $120
??Food, entertainment: $350
??Clothing, household expenses $100
??Credit cards and other loans: $200
??Other expenses: $200
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
485472
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
|
Amount:
| $3,500.00 |
Prosper Rating:
| HR |
Auction Duration:
| 7 days
|
|
Term:
| 36 months |
Estimated loss:
| 24.00% | | |
| | | |
|
|
Starting lender yield:
| 27.00% |
Starting borrower rate/APR:
| 28.00% / 31.56% |
Starting monthly payment:
| $144.77 |
| |
|
Auction yield range:
| 16.57% - 27.00% |
Estimated loss impact:
| 25.57% | | |
|
Lender servicing fee:
| 1.00% |
Estimated return:
| 1.43% | | |
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
|
Prosper score (1-10):
| 2 |
First credit line:
| Oct-1997 |
Debt/Income ratio:
| 35% |
|
Credit score:
| 660-679 (Nov-2010) |
Inquiries last 6m:
| 1 | Employment status: | Employed |
|
Now delinquent:
| 2 |
Current / open credit lines:
| 9
/
9 | Length of status: | 9y 9m |
|
Amount delinquent:
| $548 |
Total credit lines:
| 37 |
Occupation: | Social Worker |
|
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $4,586 | Stated income: | $25,000-$49,999 |
|
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 76% | | |
| | |
Homeownership:
| Yes | | |
|
Screen name:
| mindful-power9 |
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
Rehab cabin
I?m excited about my new life. I hope you can make it a reality.
A social worker, for 9.9 yrs, I built a children?s clinic for underserved kids. I also volunteer 15 hours p/wk addressing health disparities. Prior work was 10 yrs at the Children?s Hospital.
This year, my ex spouse returned home to die of Parkinson?s. Within 2 weeks, a 96 yr lady I cared for died, my fireman son was married and the younger son left for his 1st year of physician assistant school in NY! Once I caught my wind, I was determined to make a new life! Now, I?m committing to be debt free in 7 yrs. I aspire to retire in Asia to work in orphanages.
My 1st plan is to finish a 100 yr old cabin at my 2.5 acre homestead. The cabin rents for $600, reducing 3/5ths my mortgage. Cabin will rent 8 wks after funding.
I am rated as HR, credit score of 676. I have 2 judgments as yet undefined. I will inform loaners.
Loan: Cabin renovation. I?m a good prospect as I work honestly for myself and others expect another PT job and am very motivated to create a new life.
Monthly net income: 2545
Expenses:
Mortgage 1050
Utilities 315
Car 245
Insurances 207
Credit cards 156
Student loan 338
Other 400 TOTAL 2045
I appreciate your interest.
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
485476
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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:
| Jan-1999 |
Debt/Income ratio:
| 26% |
|
Credit score:
| 700-719 (Nov-2010) |
Inquiries last 6m:
| 4 | Employment status: | Employed |
|
Now delinquent:
| 0 |
Current / open credit lines:
| 4
/
4 | Length of status: | 5y 6m |
|
Amount delinquent:
| $0 |
Total credit lines:
| 25 |
Occupation: | Other |
|
Public records last 12m / 10y:
| 0/ 1 |
Revolving credit balance:
| $929 | Stated income: | $25,000-$49,999 |
|
Delinquencies in last 7y:
| 30 |
Bankcard utilization:
| 42% | | |
| | |
Homeownership:
| Yes | | |
|
Screen name:
| a-worthy-generosity |
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 Small Business
Purpose of loan:
This loan will be used t purchase equipment need for a new small business.The business will be a small gift shop
My financial situation:
I am a good candidate for this loan because I am employed full time, my full time job can afford the rent and all operating expenses of the
business including this loan if my business was to not produce revenue, also I have negotiated 6 months free rent in my lease to help get my business off the ground which is very helpful being it is my largest expense. I had bankruptcy on my credit report from 5 years ago due to medical bills as I was suffering from cancer and my now my deceased sons medical bills. I have worked very hard to rebuild since then to restore my credit to above 700.I have always been excellent at paying my bills, it was just two unfortunate events in the same year
Monthly net income: $
2125.00 Me
1416.00 Wife
Total 3541
Monthly expenses: $
??Housing: $
994.00
??Insurance: $
295.00
??Car expenses: $
75.00
??Utilities: $
95.00
??Phone, cable, internet: $
159.00
??Food, entertainment: $
250.00
??Clothing, household expenses $
??Credit cards and other loans: $
100.00
??Other expenses: $
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
485516
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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:
| 36.00% / 40.18% |
Starting monthly payment:
| $68.71 |
| |
|
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):
| 6 |
First credit line:
| Oct-2004 |
Debt/Income ratio:
| 20% |
|
Credit score:
| 640-659 (Nov-2010) |
Inquiries last 6m:
| 1 | Employment status: | Employed |
|
Now delinquent:
| 1 |
Current / open credit lines:
| 11
/
10 | Length of status: | 4y 10m |
|
Amount delinquent:
| $599 |
Total credit lines:
| 14 |
Occupation: | Food Service Manage... |
|
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $2,908 | Stated income: | $25,000-$49,999 |
|
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 50% | | |
| | |
Homeownership:
| Yes | | |
|
Screen name:
| capital-selector884 |
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
catching up on 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
485522
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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:
| 9.80% | | |
| | | |
|
|
Starting lender yield:
| 26.75% |
Starting borrower rate/APR:
| 27.75% / 31.31% |
Starting monthly payment:
| $309.21 |
| |
|
Auction yield range:
| 10.57% - 26.75% |
Estimated loss impact:
| 10.47% | | |
|
Lender servicing fee:
| 1.00% |
Estimated return:
| 16.28% | | |
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own 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-1982 |
Debt/Income ratio:
| 33% |
|
Credit score:
| 700-719 (Nov-2010) |
Inquiries last 6m:
| 1 | Employment status: | Employed |
|
Now delinquent:
| 0 |
Current / open credit lines:
| 6
/
6 | Length of status: | 1y 7m |
|
Amount delinquent:
| $0 |
Total credit lines:
| 17 |
Occupation: | Professional |
|
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $17,332 | Stated income: | $50,000-$74,999 |
|
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 53% | | |
| | |
Homeownership:
| No | | |
|
Screen name:
| coin-charmer5 |
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:
| 8 ( 100% )
| 700-719 (Latest)
|
|
Principal borrowed:
| $2,000.00 | < 31 days late:
| 0
( 0% )
| 720-739
(Feb-2010)
|
|
Principal balance:
| $1,601.02 |
31+ days late:
| 0
( 0% )
|
|
Total payments billed:
| 8 | | |
Description
Paying off Student Loans and Credit
Purpose of loan:
Start?paying?off Student loans
My financial situation:
I am a good candidate for this loan because?I have a great stable?job.?I am very responsible,?I?attend graduate?school at night?while working full time.
Monthly net income: 3200$
Monthly expenses: 1,575$?
??Insurance: 200$
??Car expenses: 575$?
??Phone, cable, internet: 100$
??Food, entertainment: 100$?
??Credit cards and other loans: 500$
??Other expenses: 100$
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
485534
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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:
| 36.60% | | |
| | | |
|
|
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:
| 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:
| Jan-2001 |
Debt/Income ratio:
| Self-employed (DTI Not Calculated) |
|
Credit score:
| 720-739 (Nov-2010) |
Inquiries last 6m:
| 0 | Employment status: | Self-employed |
|
Now delinquent:
| 0 |
Current / open credit lines:
| 1
/
1 | Length of status: | 10y 6m |
|
Amount delinquent:
| $0 |
Total credit lines:
| 3 |
Occupation: | Administrative Assi... |
|
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $0 | Stated income: | $1-$24,999 |
|
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 0% | | |
| | |
Homeownership:
| No | | |
|
Screen name:
| GracieLou2 |
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
Pet Boutique - Start Up Capital
Purpose of loan:
I am going to start a small Pet Boutique for Cats and Dogs?but need the initial funds to purchase my inventory and displays.? I was looking for a business where I can be passionate about my product as well as make a difference in my community so I will be donating a small percentage to local non profit rescue groups.??I am looking to carry mostly unique items along with some of the basic pet needs as well.? My start up location is a very quaint town where?tourists and locals?come to shop and eat at the well known restaurants.? In the?near future I will create a website and also look to set up vendor booths at various street fairs or?markets and equine events that allow vendor booths.
My financial situation:
Everything I have is paid for and have no hidden debt.? Rent on the business location is extremely low so my main focus will be paying on the loan and business expansion.? I will be keeping my current job so the boutique business will be an additional income.
Monthly net income: $ 2000.00
Monthly expenses: $ 1330.00
??Housing: $?250.00
??Insurance: $65.00
??Car expenses: $?200.00
??Utilities: $?80.00
??Phone, cable, internet: $?85.00
??Food, entertainment: $?200.00
??Clothing, household expenses $?250.00
??Credit cards and other loans: $?50.00
??Other expenses: $ 150.00
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
485540
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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:
| 31.20% |
Starting borrower rate/APR:
| 32.20% / 35.86% |
Starting monthly payment:
| $327.49 |
| |
|
Auction yield range:
| 13.57% - 31.20% |
Estimated loss impact:
| 15.63% | | |
|
Lender servicing fee:
| 1.00% |
Estimated return:
| 15.57% | | |
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
|
Prosper score (1-10):
| 5 |
First credit line:
| May-1991 |
Debt/Income ratio:
| 36% |
|
Credit score:
| 720-739 (Nov-2010) |
Inquiries last 6m:
| 1 | Employment status: | Employed |
|
Now delinquent:
| 0 |
Current / open credit lines:
| 17
/
14 | Length of status: | 13y 0m |
|
Amount delinquent:
| $0 |
Total credit lines:
| 50 |
Occupation: | Food Service |
|
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $15,109 | Stated income: | $25,000-$49,999 |
|
Delinquencies in last 7y:
| 1 |
Bankcard utilization:
| 64% | | |
| | |
Homeownership:
| Yes | | |
|
Screen name:
| mindful-dinero |
Borrower's state:
| California |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Description
paying off my credit cards
Purpose of loan:
This loan will be used to?
debt consolidation
My financial situation:
I am a good candidate for this loan because?
I am a honest and creditable person, I'm a single mom trying to give my son a chance at college. so if i can consoildated some payments i'l be fine and trying too get another job. i just need a little help.thank you
Monthly net income: $ 2500
Monthly expenses: $
??Housing: $ 615
??Insurance: $
??Car expenses: $ 50
??Utilities: $ 50
??Phone, cable, internet: $ 50
??Food, entertainment: $ 75
??Clothing, household expenses $ 50
??Credit cards and other loans: $ 500
??Other expenses: $
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
485546
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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:
| Sep-1992 |
Debt/Income ratio:
| 24% |
|
Credit score:
| 640-659 (Nov-2010) |
Inquiries last 6m:
| 5 | Employment status: | Employed |
|
Now delinquent:
| 0 |
Current / open credit lines:
| 8
/
7 | Length of status: | 0y 10m |
|
Amount delinquent:
| $0 |
Total credit lines:
| 40 |
Occupation: | Skilled Labor |
|
Public records last 12m / 10y:
| 0/ 1 |
Revolving credit balance:
| $0 | Stated income: | $50,000-$74,999 |
|
Delinquencies in last 7y:
| 17 |
Bankcard utilization:
| 0% | | |
| | |
Homeownership:
| No | | |
|
Screen name:
| eloquent-community |
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
need reliable transportation
Purpose of loan:
This loan will be used to purchase a reliable economy car to replace the junk car I just bought (bad move).
My financial situation:
I am a good candidate for this loan because I can will be able to pay this loan back quickly (hopefully less than a year). My credit is lousy because I was out of work for 10 months and lost everything...my house, both cars, and I had to opt for bankruptcy. I am back on my feet in the field I have been in for 17 years (welder/pipefitter) and have been at my current job for the past 11 months. I had no one else to lean on as I am single, so I had to do what I had to do. I purchased a 2005 GMC Yukon XL but figured out I was spending $1000 a month in payments, insurance and fuel. I allowed a friend to take over payments (he will get funded after the first of the year) and in the interim I bought a 1993 Chevy Lumina for $2000. Bad Choice. The check engine light comes on every day, and was pouring antifreeze out of the radiator cap and then a hose under the intake. Got a new radiator cap and fixed the hose, but not confident in my car's abilities to get from A to B. I think I need new brakes because the grinding and pulsing happens when I come to a stop. I need something economical, reliable and safe.
Monthly net income: $5500-8000
Monthly expenses: $ 3300
??Housing: $ 612
??Insurance: $ 195
??Car expenses: $ 1000?
??Utilities: $ 100
??Phone, cable, internet: $ 130
??Food, entertainment: $ 400
??Clothing, household expenses $ 250?
??Credit cards and other loans: $ 607
??Other expenses: $ NA
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
485576
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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:
| 6.60% |
Starting borrower rate/APR:
| 7.60% / 9.68% |
Starting monthly payment:
| $467.28 |
| |
|
Auction yield range:
| 5.57% - 6.60% |
Estimated loss impact:
| 6.04% | | |
|
Lender servicing fee:
| 1.00% |
Estimated return:
| 0.56% | | |
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
|
Prosper score (1-10):
| 8 |
First credit line:
| Oct-1993 |
Debt/Income ratio:
| 17% |
|
Credit score:
| 780-799 (Nov-2010) |
Inquiries last 6m:
| 3 | Employment status: | Employed |
|
Now delinquent:
| 0 |
Current / open credit lines:
| 18
/
15 | Length of status: | 4y 7m |
|
Amount delinquent:
| $0 |
Total credit lines:
| 54 |
Occupation: | Accountant/CPA |
|
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $6,331 | Stated income: | $50,000-$74,999 |
|
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 8% | | |
| | |
Homeownership:
| No | | |
|
Screen name:
| commanding-trade8 |
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
jmweiss00
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
485580
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
|
Amount:
| $2,000.00 |
Prosper Rating:
| D |
Auction Duration:
| 7 days
|
|
Term:
| 36 months |
Estimated loss:
| 10.80% | | |
| | | |
|
|
Starting lender yield:
| 28.50% |
Starting borrower rate/APR:
| 29.50% / 33.10% |
Starting monthly payment:
| $84.36 |
| |
|
Auction yield range:
| 10.57% - 28.50% |
Estimated loss impact:
| 11.52% | | |
|
Lender servicing fee:
| 1.00% |
Estimated return:
| 16.98% | | |
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):
| 6 |
First credit line:
| Aug-1993 |
Debt/Income ratio:
| 31% |
|
Credit score:
| 700-719 (Nov-2010) |
Inquiries last 6m:
| 1 | Employment status: | Employed |
|
Now delinquent:
| 5 |
Current / open credit lines:
| 17
/
15 | Length of status: | 25y 4m |
|
Amount delinquent:
| $62,440 |
Total credit lines:
| 73 |
Occupation: | Food Service |
|
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $4,837 | Stated income: | $25,000-$49,999 |
|
Delinquencies in last 7y:
| 48 |
Bankcard utilization:
| 1% | | |
| | |
Homeownership:
| No | | |
|
Screen name:
| sympathetic-marketplace0 |
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 my bills
Purpose of loan:
This loan will be used to?Pay off my bills?
My financial situation:
I am a good candidate for this loan because?I want?to get out of debt I am a hard worker?
Monthly net income: $ 3000.00
Monthly expenses: $
??Housing: $ 0
??Insurance: $ 118.00
??Car expenses: $ 335.92
??Utilities: $ 150.00??Phone, 150/00cable, 48.00internet: 59.00$
??Food, entertainment: 100.00$
??Clothing, household expenses 60.00$
??Credit cards and other loans:846.00 $
??Other expenses: $
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
485588
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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:
| 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:
| 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-2000 |
Debt/Income ratio:
| Not calculated |
|
Credit score:
| 640-659 (Nov-2010) |
Inquiries last 6m:
| 7 | Employment status: | Employed |
|
Now delinquent:
| 0 |
Current / open credit lines:
| 5
/
5 | Length of status: | 2y 9m |
|
Amount delinquent:
| $0 |
Total credit lines:
| 18 |
Occupation: | Administrative Assi... |
|
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $465 | Stated income: | $50,000-$74,999 |
|
Delinquencies in last 7y:
| 11 |
Bankcard utilization:
| 11% | | |
| | |
Homeownership:
| No | | |
|
Screen name:
| investment-hickory |
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
Montana Cabin
Hi-
I am looking for a loan to use as part of a down payment on a cabin I am purchasing in Montana. I have saved 4,000 and am looking to put a total of 10,000 down on this cabin. I am from Montana and my parents own the cabin next door for 25 years. The cabin is a great deal for that area of Montana. It is in a growing tourist area with beautiful lakes and mountains. The property is only going up in price in this area of Montana.
I am a college graduate with a Bachelors of Science and I run a athletic design store. I am getting married in April to my boyfriend of 7 years. He has a Masters in Industrial Hygiene and works as a Safety Director at a mine. We make enough money to easily make the loan payments. We do not have children yet and have a small amount of bills. We are in the process of saving for our wedding that is why we are looking for a loan towards the cabin.
All of my credit cards are paid off. I have not been late on any bill payments in the last 2 years. My credit score at prosper is a score of 2. I am unsure why it is so low at this time. I believe it is due to some credit card debt I accumulated through college and a few late payments on my student loans. At this time I have paid off all of my credit cards and have no credit card debt at all. I have not been late on any bill payments in the last 2 years.
I really appreciate your time!
Monthly Net Salary: 4,000
Rent.............. .....$425
Phone........... ......$60
Car............... .......$200
Credit Card ..........$0
Student Loan.. ....$85
Insurance ............$90
Cable ..................$75
Power .................$100
Gas/Grocery...... $500
Savings for wedding.....$200
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
485590
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
|
Amount:
| $1,000.00 |
Prosper Rating:
| HR |
Auction Duration:
| 7 days
|
|
Term:
| 36 months |
Estimated loss:
| 18.30% | | |
| | | |
|
|
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:
| 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-1983 |
Debt/Income ratio:
| 7% |
|
Credit score:
| 640-659 (Nov-2010) |
Inquiries last 6m:
| 2 | Employment status: | Employed |
|
Now delinquent:
| 0 |
Current / open credit lines:
| 2
/
2 | Length of status: | 4y 8m |
|
Amount delinquent:
| $0 |
Total credit lines:
| 12 |
Occupation: | Other |
|
Public records last 12m / 10y:
| 0/ 2 |
Revolving credit balance:
| $0 | Stated income: | $1-$24,999 |
|
Delinquencies in last 7y:
| 8 |
Bankcard utilization:
| 0% | | |
| | |
Homeownership:
| No | | |
|
Screen name:
| 4rabbits |
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
Helping a friend
Purpose of loan:
This loan will be used to help a friend?
My financial situation:
I am a good candidate for this loan because i pay my bill back ?
Monthly net income: $ 1400.00
Monthly expenses: $
??Housing: $ 500.00
??Insurance: $ 126.00
??Car expenses: $ 100.00
??Utilities: $
??Phone, cable, internet: $ 100.00
??Food, entertainment: $?75.00
??Clothing, household expenses $ 50.00
??Credit cards and other loans: $ 30.00
??Other expenses: $
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
485592
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
|
Amount:
| $3,500.00 |
Prosper Rating:
| D |
Auction Duration:
| 7 days
|
|
Term:
| 36 months |
Estimated loss:
| 9.80% | | |
| | | |
|
|
Starting lender yield:
| 19.00% |
Starting borrower rate/APR:
| 20.00% / 23.39% |
Starting monthly payment:
| $130.07 |
| |
|
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):
| 5 |
First credit line:
| Dec-1978 |
Debt/Income ratio:
| 13% |
|
Credit score:
| 740-759 (Nov-2010) |
Inquiries last 6m:
| 2 | Employment status: | Employed |
|
Now delinquent:
| 0 |
Current / open credit lines:
| 12
/
12 | Length of status: | 32y 4m |
|
Amount delinquent:
| $0 |
Total credit lines:
| 36 |
Occupation: | Executive |
|
Public records last 12m / 10y:
| 0/ 1 |
Revolving credit balance:
| $9,275 | Stated income: | $50,000-$74,999 |
|
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 93% | | |
| | |
Homeownership:
| Yes | | |
|
Screen name:
| bazaar-inspector |
Borrower's state:
| Tennessee |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
| Loan history | Payment history | Credit score history |
|
Active / total loans:
| 1 / 2 |
On-time:
| 25 ( 100% )
| 740-759 (Latest)
|
|
Principal borrowed:
| $10,700.00 | < 31 days late:
| 0
( 0% )
| 720-739
(Mar-2010)
680-699
(Sep-2008)
|
|
Principal balance:
| $5,789.13 |
31+ days late:
| 0
( 0% )
|
|
Total payments billed:
| 25 | | |
Description
ROOF REPAIRS - Hot water heater
Purpose of loan:
This loan will be used to?? make some roof repairt which has been damaged due to storms........replace a 18 year old hot water heater
My financial situation:
I am a good candidate for this loan because? I have been employed by the same company for 21 years and I have had 2 loans with prosper, always made pmts on time.
Monthly net income: $
$5500
Monthly expenses: $
??Housing:?$1600????
??Insurance: $ 125
??Car expenses: $ 550
??Utilities: $ 300
??Phone, cable, internet: $ 70
??Food, entertainment: $ 300
??Clothing, household expenses $ 150
??Credit cards and other loans: $ 300
??Other expenses: $
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
485596
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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):
| 9 |
First credit line:
| Mar-1991 |
Debt/Income ratio:
| 20% |
|
Credit score:
| 720-739 (Nov-2010) |
Inquiries last 6m:
| 0 | Employment status: | Employed |
|
Now delinquent:
| 0 |
Current / open credit lines:
| 14
/
12 | Length of status: | 0y 9m |
|
Amount delinquent:
| $0 |
Total credit lines:
| 47 |
Occupation: | Pharmacist |
|
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $36,624 | Stated income: | $100,000+ |
|
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 70% | | |
| | |
Homeownership:
| Yes | | |
|
Screen name:
| p2ploan-caramel |
Borrower's state:
| Texas |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Description
Pay off higher rate credit cards!
Purpose of loan:
I have some credit cards whose interest rates have gone up due to the recent law changes.? Not because of late payments (as shown by the credit profile).? I'd like to get some of them paid off so that we start a snowball effect with lower interest rates and hopefully get the credit cards paid off in full in a few years.? We have been working on paying them off, but with the increase in the rates, it's not making as much of a dent as fast.
My financial situation:
My financial situation is stable.? I have been at my current job for under a year, but my two previous employments were for almost 5 years and almost 10 years prior to that.??
Monthly net income: $
6,000
We are also still paying off my student loans from Pharmacy School.? The cars are paid off, but while I was in pharmacy school and part of the time while my husband was in school (he's due to graduate this December), we did use the credit cards to help with living expenses, hence the totals.
With regards to the total credit lines, a number of them are due to my student loans from Pharmacy School which were consolidated, but the original loans are still showing as separate lines on the credit report.
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
485602
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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:
| 20.00% |
Starting borrower rate/APR:
| 21.00% / 24.41% |
Starting monthly payment:
| $188.38 |
| |
|
Auction yield range:
| 16.57% - 20.00% |
Estimated loss impact:
| 19.43% | | |
|
Lender servicing fee:
| 1.00% |
Estimated return:
| 0.57% | | |
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
|
Prosper score (1-10):
| 4 |
First credit line:
| Mar-2005 |
Debt/Income ratio:
| Not calculated |
|
Credit score:
| 660-679 (Nov-2010) |
Inquiries last 6m:
| 2 | Employment status: | Employed |
|
Now delinquent:
| 0 |
Current / open credit lines:
| 5
/
4 | Length of status: | 0y 0m |
|
Amount delinquent:
| $0 |
Total credit lines:
| 19 |
Occupation: | Other |
|
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $7,081 | Stated income: | $100,000+ |
|
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 83% | | |
| | |
Homeownership:
| No | | |
|
Screen name:
| calm-loot4 |
Borrower's state:
| Texas |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Description
New Grad. sallie mae bills
Purpose of loan:
This loan will be used to? hold me over until I get my first paycheck.
My financial situation:
I am a good candidate for this loan because? I have just started my career as an anesthesiologist assistant and will not get paid for 2 more weeks.
Monthly net income: $10,000
Monthly expenses: $
??Housing: $1200
??Insurance: $50
??Car expenses: $200
??Utilities: $100
??Phone, cable, internet: $85
??Food, entertainment: $400
??Clothing, household expenses $
??Credit cards and other loans: $250
??Other expenses: $
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
485608
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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:
| 9.80% | | |
| | | |
|
|
Starting lender yield:
| 26.75% |
Starting borrower rate/APR:
| 27.75% / 31.31% |
Starting monthly payment:
| $309.21 |
| |
|
Auction yield range:
| 10.57% - 26.75% |
Estimated loss impact:
| 10.47% | | |
|
Lender servicing fee:
| 1.00% |
Estimated return:
| 16.28% | | |
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
|
Prosper score (1-10):
| 7 |
First credit line:
| Jun-1995 |
Debt/Income ratio:
| 14% |
|
Credit score:
| 640-659 (Nov-2010) |
Inquiries last 6m:
| 1 | Employment status: | Employed |
|
Now delinquent:
| 0 |
Current / open credit lines:
| 7
/
7 | Length of status: | 2y 11m |
|
Amount delinquent:
| $0 |
Total credit lines:
| 12 |
Occupation: | Skilled Labor |
|
Public records last 12m / 10y:
| 0/ 2 |
Revolving credit balance:
| $1,312 | Stated income: | $25,000-$49,999 |
|
Delinquencies in last 7y:
| 3 |
Bankcard utilization:
| 77% | | |
| | |
Homeownership:
| No | | |
|
Screen name:
| scorp75 |
Borrower's state:
| Kentucky |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
| Loan history | Payment history | Credit score history |
|
Active / total loans:
| 0 / 1 |
On-time:
| 12 ( 86% )
| 640-659 (Latest)
|
|
Principal borrowed:
| $1,000.00 | < 31 days late:
| 2
( 14% )
| 540-559
(Jun-2008)
520-539
(May-2008)
|
|
Principal balance:
| $0.55 |
31+ days late:
| 0
( 0% )
|
|
Total payments billed:
| 14 | | |
Description
Need a car for non work use
Need to purchase a car before the end of the year I have had the use of a company truck for the last two years so it was not a priority. I have recently moved in with some friends who work seven days a week at the restaurant they own so my rent and food expenses are $0.00.
My bills currently are
Internet $45
Gas & Electric $65
Water $50
Student Loans $190
Renter?s Insurance $25
Credit Cards $150
Misc expenses $200
I currently net just over $2000 per month
I can raise the money for a car in 3 months but need it sooner. I am currently a lender here so plan to take the full 3 years to pay back the loan.
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
485610
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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:
| 24.00% |
Starting borrower rate/APR:
| 25.00% / 28.50% |
Starting monthly payment:
| $198.80 |
| |
|
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):
| 5 |
First credit line:
| Jan-1980 |
Debt/Income ratio:
| 31% |
|
Credit score:
| 640-659 (Nov-2010) |
Inquiries last 6m:
| 0 | Employment status: | Employed |
|
Now delinquent:
| 0 |
Current / open credit lines:
| 11
/
6 | Length of status: | 5y 5m |
|
Amount delinquent:
| $0 |
Total credit lines:
| 21 |
Occupation: | Executive |
|
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $7,806 | Stated income: | $75,000-$99,999 |
|
Delinquencies in last 7y:
| 1 |
Bankcard utilization:
| 96% | | |
| | |
Homeownership:
| No | | |
|
Screen name:
| td424 |
Borrower's state:
| Missouri |
Borrower's group:
| Debt Consolidators |
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Description
Paying off CitiFinancial.
Purpose of loan:
This loan will be used to?
Pay off a horribly high rate loan and save a little bit of interest.
My financial situation:
I am a good candidate for this loan because?I'm paying down all my debt and just trying to save some interest.
Monthly net income: $ 5,200
Monthly expenses: $
??Housing: $
950
??Insurance: $
0
??Car expenses: $
569
??Utilities: $ 150
??Phone, cable, internet: $
100
??Food, entertainment: $
500
??Clothing, household expenses $
250
??Credit cards and other loans: $
1600
??Other expenses: $
500
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
485612
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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:
| 19.00% |
Starting borrower rate/APR:
| 20.00% / 22.24% |
Starting monthly payment:
| $278.73 |
| |
|
Auction yield range:
| 5.57% - 19.00% |
Estimated loss impact:
| 6.28% | | |
|
Lender servicing fee:
| 1.00% |
Estimated return:
| 12.72% | | |
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:
| Dec-2005 |
Debt/Income ratio:
| 20% |
|
Credit score:
| 720-739 (Nov-2010) |
Inquiries last 6m:
| 0 | Employment status: | Employed |
|
Now delinquent:
| 0 |
Current / open credit lines:
| 8
/
5 | Length of status: | 1y 0m |
|
Amount delinquent:
| $0 |
Total credit lines:
| 11 |
Occupation: | Other |
|
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $360 | Stated income: | $25,000-$49,999 |
|
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 6% | | |
| | |
Homeownership:
| No | | |
|
Screen name:
| silver-sunrise |
Borrower's state:
| SouthDakota |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Description
Purchase Oil Property
Purpose of loan:
I have an oportunity to buy an oil property that on average is netting $250/month. The purchase price is $12,000 so I will be investing a significant amount of my own money into it. I plan on using the proceeds from this property to pay for this loan, I do not want the opportunity to purchase this property to slip through my fingers so I am willing to pay a higher rate for a faster funding.
My financial situation:
I currently own a rental house and a primary residence (which i have the basement rented out) between the two both my mortgages and my utilities?are covered.
I already own three oil properties which are netting me $300/month.
I went 4 years of college and currently owe?approximately $3,500 in student loans. (paying too agressively on student loans is what is keeping me from paying for this property myself)
My work pays for health insurance and my living costs are approximately $500/month.
Monthly net income:
When all bills and cost of living is paid I have an extra $2,000.
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
485616
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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:
| Feb-1993 |
Debt/Income ratio:
| 256% |
|
Credit score:
| 680-699 (Nov-2010) |
Inquiries last 6m:
| 0 | Employment status: | Employed |
|
Now delinquent:
| 0 |
Current / open credit lines:
| 7
/
7 | Length of status: | 0y 6m |
|
Amount delinquent:
| $0 |
Total credit lines:
| 25 |
Occupation: | Professional |
|
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $23,156 | Stated income: | $1-$24,999 |
|
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 96% | | |
| | |
Homeownership:
| Yes | | |
|
Screen name:
| exuberant-hope9 |
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
Relief from medical bills
Purpose of loan:
This loan will be used to?
Pay off some medical bills that the insurance won't cover. Anything left over will be applied to my highest interest credit card. I am not taking on any new debt with this loan. I just want to combine multiple monthly payments into one lower monthly payment, with an end date in sight.
My financial situation:
I am a good candidate for this loan because...
I strongly believe in paying back that which I have borrowed, however, with the ever increasing interest rates on credit cards and medical treatments, it is all but impossible for a guy to get ahead. My Wife and I would like to build a new house in the next 2-3 years, so you can bank on the fact that I am not going to do anything to mess up my credit report.
Monthly net income: $
I know that Prosper only wants my income, however this loan will be a joint effort between myself and my wife. I only stated my income to get this far however, I am going to list both incomes here for all investors to see.
My most recent gross $1472.06
My most recent net $1268.62
My Wife's most recent gross $3169.71
My Wife's most recent net $2324.66
Monthly expenses: $
??Housing: $ 461.00 (Includes taxes and insurance)
??Insurance: $ 165.00 (Three vehicles full coverage)
??Car expenses: $ 100.00 (This is for myself only)
??Utilities: $ 120.00 (Electric, water, gas, trash)
??Phone, cable, internet: $ 125.00 (This amount is going to be reduced to around $60.00 once we cut?the cable back to basic and dump our monthly cellular bill for prepaid phones.)
??Food, entertainment: $ 300.00 (We are very frugal with our food budget. We shop mainly at discount grocery stores and we usually take full advantage of any coupon specials, especially the double coupon deals. We very rarely spend money on entertainment, such as movies, concerts, etc., because we feel that, for the most part, it is a complete waste of hard earned money. I am not saying that we never go out, just that it is not a regular occurance.)
??Clothing, household expenses $ 100.00?(This pretty much covers everything else that is needed. We don't rush out and spend big money on the lastest and greatest fashions and trends.)
??Credit cards and other loans: $ 550.00 (If this loan gets funded this payment will go down as well.)
??Other expenses: We pay out roughly $350.00/month toward paying off medical bills, because our insurance, at the time, was a joke. Thankfully we now have new insurance, through my employer, which should be much better.?
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
485620
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
|
Amount:
| $3,500.00 |
Prosper Rating:
| D |
Auction Duration:
| 7 days
|
|
Term:
| 36 months |
Estimated loss:
| 10.80% | | |
| | | |
|
|
Starting lender yield:
| 28.50% |
Starting borrower rate/APR:
| 29.50% / 33.10% |
Starting monthly payment:
| $147.62 |
| |
|
Auction yield range:
| 10.57% - 28.50% |
Estimated loss impact:
| 11.52% | | |
|
Lender servicing fee:
| 1.00% |
Estimated return:
| 16.98% | | |
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):
| 6 |
First credit line:
| Nov-1986 |
Debt/Income ratio:
| Self-employed (DTI Not Calculated) |
|
Credit score:
| 720-739 (Nov-2010) |
Inquiries last 6m:
| 0 | Employment status: | Self-employed |
|
Now delinquent:
| 0 |
Current / open credit lines:
| 5
/
4 | Length of status: | 15y 3m |
|
Amount delinquent:
| $0 |
Total credit lines:
| 11 |
Occupation: | Professional |
|
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $1,182 | Stated income: | $25,000-$49,999 |
|
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 59% | | |
| | |
Homeownership:
| No | | |
|
Screen name:
| forceful-wealth2 |
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
Payoff real estate taxes
Purpose of loan:
This loan will be used to? pay past due and current real estate taxes on residence delinquent because?of wife's transplant expenses.????????
My financial situation:
I am a good candidate for this loan because? able to return to full-time consulting after time off to stay with wife after transplant.????????
Monthly expenses: $ 2160
??Housing: $ 250
??Insurance: $ 210
??Car expenses: $100
??Utilities: $ 200
??Phone, cable, internet: $ 100
??Food, entertainment: $ 300
??Clothing, household expenses $ 200
??Credit cards and other loans: $ 200
??Other expenses: $ 500
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
485624
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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:
| Mar-1985 |
Debt/Income ratio:
| 11% |
|
Credit score:
| 660-679 (Nov-2010) |
Inquiries last 6m:
| 7 | Employment status: | Employed |
|
Now delinquent:
| 0 |
Current / open credit lines:
| 18
/
14 | Length of status: | 16y 8m |
|
Amount delinquent:
| $0 |
Total credit lines:
| 45 |
Occupation: | Sales - Retail |
|
Public records last 12m / 10y:
| 0/ 1 |
Revolving credit balance:
| $16,203 | Stated income: | $75,000-$99,999 |
|
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 50% | | |
| | |
Homeownership:
| No | | |
|
Screen name:
| order-elation2 |
Borrower's state:
| Washington |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Description
windows
Purpose of loan:
This loan will be used to?install new windows in my home?
My financial situation:
I am a good candidate for this loan because?I alway pay my bills on time?
Monthly net income: $ 5100.00
Monthly expenses: $
??Housing: $ 1789.00
??Insurance: $ 125.00
??Car expenses: $
??Utilities: $ 190.00
??Phone, cable, internet: $ 125.00
??Food, entertainment: $ 250.00
??Clothing, household expenses $ 100.00
??Credit cards and other loans: $400.00
??Other expenses: $
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
485632
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
|
Amount:
| $2,600.00 |
Prosper Rating:
| 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:
| $90.13 |
| |
|
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:
| 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:
| UniqueDriverDotCom |
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
Business Advertisement
Purpose of loan:
Thank You for your interest in my listing. I am looking to expand my business and continue to pursue potential clients through various channels and fund advertisement of our newly devoloped website, www.uniquedriver.com.
My financial situation:
I am a good candidate for this loan because I currently operate a successful small business and also work part-time at a local Corporation. All bills are paid on-time and so will this one.
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
485634
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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:
| Feb-1986 |
Debt/Income ratio:
| 15% |
|
Credit score:
| 640-659 (Nov-2010) |
Inquiries last 6m:
| 0 | Employment status: | Employed |
|
Now delinquent:
| 3 |
Current / open credit lines:
| 8
/
3 | Length of status: | 4y 8m |
|
Amount delinquent:
| $109 |
Total credit lines:
| 23 |
Occupation: | Professional |
|
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $8,401 | Stated income: | $75,000-$99,999 |
|
Delinquencies in last 7y:
| 9 |
Bankcard utilization:
| 93% | | |
| | |
Homeownership:
| No | | |
|
Screen name:
| brightest-peso-telescope |
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 Payday loan
Purpose of loan:
This loan will be used to?Pay off one of three Payday Loans. I am desperately trying?to payoff the Payday Loans that I have outstanding due to the outrageous and ridiculous interest rates that I am being charged. Rate on these Payday Loans is?as high as 625% APR.
My financial situation:
I am a good candidate for this loan because?Overall, I am a very responsible person who?prior to incurring?financial difficulties?which began?in 2009 paid all creditors on time. (Please review my?overall credit history prior to 2009, not just my present history)
Monthly net income: $ 4520
Monthly expenses:
??Housing: $1422
??Insurance: $ 202
??Car expenses: $ 0
??Utilities: $ 0
??Phone, cable, internet: $ 150
??Food, entertainment: $ 150
??Clothing, household expenses $ 250
??Credit cards and other loans: $?900
??Other expenses: $
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
485644
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
|
Amount:
| $4,000.00 |
Prosper Rating:
| D |
Auction Duration:
| 7 days
|
|
Term:
| 36 months |
Estimated loss:
| 9.80% | | |
| | | |
|
|
Starting lender yield:
| 26.75% |
Starting borrower rate/APR:
| 27.75% / 31.31% |
Starting monthly payment:
| $164.91 |
| |
|
Auction yield range:
| 10.57% - 26.75% |
Estimated loss impact:
| 10.47% | | |
|
Lender servicing fee:
| 1.00% |
Estimated return:
| 16.28% | | |
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own 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-1992 |
Debt/Income ratio:
| 20% |
|
Credit score:
| 680-699 (Nov-2010) |
Inquiries last 6m:
| 0 | Employment status: | Employed |
|
Now delinquent:
| 1 |
Current / open credit lines:
| 8
/
7 | Length of status: | 1y 10m |
|
Amount delinquent:
| $4,706 |
Total credit lines:
| 38 |
Occupation: | Nurse (RN) |
|
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $1,337 | Stated income: | $75,000-$99,999 |
|
Delinquencies in last 7y:
| 35 |
Bankcard utilization:
| 9% | | |
| | |
Homeownership:
| No | | |
|
Screen name:
| bullcowspider |
Borrower's state:
| Florida |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
| Loan history | Payment history | Credit score history |
|
Active / total loans:
| 1 / 1 |
On-time:
| 26 ( 96% )
| 680-699 (Latest)
|
|
Principal borrowed:
| $20,000.00 | < 31 days late:
| 1
( 4% )
| 680-699
(Jul-2008)
|
|
Principal balance:
| $6,235.54 |
31+ days late:
| 0
( 0% )
|
|
Total payments billed:
| 27 | | |
Description
garage roof,paintin and outside
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
485652
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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):
| 3 |
First credit line:
| Jun-1996 |
Debt/Income ratio:
| Not calculated |
|
Credit score:
| 640-659 (Nov-2010) |
Inquiries last 6m:
| 0 | Employment status: | Not employed |
|
Now delinquent:
| 7 |
Current / open credit lines:
| 4
/
4 | Length of status: | 10y 9m |
|
Amount delinquent:
| $10,962 |
Total credit lines:
| 19 | Stated income: | Not employed |
|
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $485 | |
|
Delinquencies in last 7y:
| 16 |
Bankcard utilization:
| 48% | | |
| | |
Homeownership:
| No | | |
|
Screen name:
| newest-money-oyster |
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
Student loan for son!
Purpose of loan:
This loan will be used to?
to pay my sons last class in order to graduate.
My financial situation:
I am a good candidate for this loan because my wife and I are retired and have a monthly retirement income of $3000.
My son will chip in as well. He doesn't know that I'm doing this. It's a Christmas present form us. He's 54 years old and been pursuing his Bachelor of Science in Human Services since 1976. He needs this $1000 to pay off his undergraduate degree in order to start his grad program in January. He's retired about a year ago to care full-time for his wife. Their on a very tight monthly fixed income, and came-up short for this last class. Upper Iowa University has been gracious to schedule monthly payments, but this prevent entering grad school. Thanks for looking at my loan request.
Monthly net income: $
3000
Monthly expenses: $
2000
??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
485656
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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):
| 4 |
First credit line:
| Sep-1975 |
Debt/Income ratio:
| 30% |
|
Credit score:
| 660-679 (Nov-2010) |
Inquiries last 6m:
| 0 | Employment status: | Employed |
|
Now delinquent:
| 3 |
Current / open credit lines:
| 4
/
4 | Length of status: | 1y 0m |
|
Amount delinquent:
| $189 |
Total credit lines:
| 24 |
Occupation: | Accountant/CPA |
|
Public records last 12m / 10y:
| 0/ 1 |
Revolving credit balance:
| $0 | Stated income: | $25,000-$49,999 |
|
Delinquencies in last 7y:
| 36 |
Bankcard utilization:
| 0% | | |
| | |
Homeownership:
| No | | |
|
Screen name:
| Bsug1988 |
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
Computer for start up
Purpose of loan:
This loan will be used to? to establish a part time accounting practice for my neighboorhood
I want to give people a better alternative to the big tax preparers as well as help small businesses in my neighborhood.?? When it gets on its feet, then I will be giving back to Prosper and helping other people with dreams like mine.
My financial situation:
I am a good candidate for this loan because? I WILL pay it back and this computer will allow me to generate the income needed to better my life.
Look at it this way-you can help me with this and in turn will benefit others-which is a lot more efficent than having the government do it.
Monthly net income: $ 2500
Monthly expenses: $
??Housing: $
??Insurance: $ 570
??Car expenses: $ 500
??Utilities: $
??Phone, cable, internet: $ 205
??Food, entertainment: $
??Clothing, household expenses $
??Credit cards and other loans: $ 300
??Other expenses: $
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
485658
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
|
Amount:
| $2,000.00 |
Prosper Rating:
| HR |
Auction Duration:
| 7 days
|
|
Term:
| 36 months |
Estimated loss:
| 18.30% | | |
| | | |
|
|
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:
| 20.31% | | |
|
Lender servicing fee:
| 1.00% |
Estimated return:
| 13.69% | | |
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
|
Prosper score (1-10):
| 4 |
First credit line:
| Aug-1987 |
Debt/Income ratio:
| 67% |
|
Credit score:
| 640-659 (Nov-2010) |
Inquiries last 6m:
| 1 | Employment status: | Employed |
|
Now delinquent:
| 1 |
Current / open credit lines:
| 7
/
6 | Length of status: | 4y 10m |
|
Amount delinquent:
| $496 |
Total credit lines:
| 44 |
Occupation: | Other |
|
Public records last 12m / 10y:
| 0/ 1 |
Revolving credit balance:
| $1,145 | Stated income: | $1-$24,999 |
|
Delinquencies in last 7y:
| 29 |
Bankcard utilization:
| 64% | | |
| | |
Homeownership:
| No | | |
|
Screen name:
| Lorim29401 |
Borrower's state:
| NewYork |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Description
Paying off my credit cards
Purpose of loan:
This loan will be used to?
My financial situation:
I am a good candidate for this loan because?
Great job
Monthly net income: $
1000
Monthly expenses: $
??Housing: $ 0
??Insurance: $
??Car expenses: 0$
??Utilities: $ 0
??Phone, cable, internet: $ 0
??Food, entertainment: $0
??Clothing, household expenses $ 0
??Credit cards and other loans: $ 120
??Other expenses: $ 0
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
485670
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
|
Amount:
| $1,600.00 |
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% / 33.76% |
Starting monthly payment:
| $67.92 |
| |
|
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:
| Nov-1999 |
Debt/Income ratio:
| 27% |
|
Credit score:
| 700-719 (Nov-2010) |
Inquiries last 6m:
| 2 | Employment status: | Employed |
|
Now delinquent:
| 0 |
Current / open credit lines:
| 10
/
8 | Length of status: | 6y 11m |
|
Amount delinquent:
| $0 |
Total credit lines:
| 32 |
Occupation: | Professional |
|
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $34,811 | Stated income: | $50,000-$74,999 |
|
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 86% | | |
| | |
Homeownership:
| Yes | | |
|
Screen name:
| diedebtdie |
Borrower's state:
| Missouri |
Borrower's group:
| 440+ Supporting Lenders. Get FUNDED @ LOWER % than ANY group |
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
| Loan history | Payment history | Credit score history |
|
Active / total loans:
| 0 / 2 |
On-time:
| 19 ( 90% )
| 700-719 (Latest)
|
|
Principal borrowed:
| $8,900.00 | < 31 days late:
| 1
( 5% )
| 640-659
(Dec-2009)
620-639
(Sep-2006)
|
|
Principal balance:
| $25.59 |
31+ days late:
| 1
( 5% )
|
|
Total payments billed:
| 21 | | |
Description
My 3rd successful Prosper loan
Hello again!
Thanks for taking the time to?consider my 3rd and final Prosper loan.
First let me say?"ouch", the new Prosper rating system does not like me!??As you can see I've?had two successful Prosper loans already, both?times I had a "D" rating.? Check out my last loan, since then, my debt is down over $4,000,00 my bank card utilization is down 10% and my credit score is up 50 points!? And all of that earned me a new prosper rating of........drum roll........"HR"!!!??I feel so yucky with an HR rating.? I am a lender too by the way, I get why Prosper had to tighten things up, tough last?year.
Second, that single late payment on my Prosper history drives me crazy.? On my very first loan, they double debited my bank account when I called them, they put both payments back and then said I hadn't paid them!? It was frustrating.? But, as you can see I don't have any late payments on my credit history.
What the loan is for:? I have a great opportunity.? I work for a limited partnership in the securities industry.? Because of my position and performance, I have been offered $30,000.00 in partnership in the firm!? In order to buy into my company I have to put down 20% of my own money which equals $6,000.00.? I have $4,500.00 in savings.? I would have more but I am aggressively paying down my debt (like Dave Ramsey told me to).? I could purchase less than the 30k and just use the $4,500 I have, but I don't want to pass up a single penny of this opportunity.
This is also a good spot to mention that I am a licensed securities professional and if I were to ever declare a bankruptcy it could potentially end my career.? At the very least it would damage my ability to go further in my industry.? So I'm very serious about my credit report, score, and payment history.?
This loan amount and payment are actually very small for me.? If this offer from my company was 3 months later, I wouldn't need to borrow any money at all.? Also, I have a $2300 bonus due in February.? That is not to say I will pay the loan off then, that money will go to credit cards, I'd rather let you earn a little interest than them, I just wanted to show that the ability for me to repay this loan is there.
Thank you for your consideration.
Happy Thanksgiving!
Monthly net income: $ 4584
Monthly expenses: $?3750 and my $400 car payment is gone in 6 months!!? This includes every expense, Dave Ramsey taught me how to be a strict budgeter!!!!
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
485674
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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:
| Sep-1991 |
Debt/Income ratio:
| Self-employed (DTI Not Calculated) |
|
Credit score:
| 640-659 (Nov-2010) |
Inquiries last 6m:
| 1 | Employment status: | Self-employed |
|
Now delinquent:
| 3 |
Current / open credit lines:
| 2
/
1 | Length of status: | 0y 8m |
|
Amount delinquent:
| $2,048 |
Total credit lines:
| 8 |
Occupation: | Other |
|
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $0 | Stated income: | $1-$24,999 |
|
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 0% | | |
| | |
Homeownership:
| No | | |
|
Screen name:
| StellarIntentions |
Borrower's state:
| Washington |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Description
Business Expansion of Services
Purpose of loan: This loan will be used to? Expand my successful business. ?I am the owner of a?successful organic meal delivery service.?Demand for our creative, healthy, and convenient meals is growing favorably. With increased exposure and presence, we will thrive.?I have a solid business plan, financial forecasts, and growing client base. This loan will go directly to?a down payment and security deposit?on an already approved Cafe and Storefront retail space. I can provide testimonials and financial forecasts for my business, per email inquiry.
My financial situation: ?I am a good candidate for this loan because? I have minimal living expenses and healthy financial business forecasts. I have been intentionally downsizing for years. My personal living expenses are $800 per month. I carry no credit card debt. All of my financial resources are available to pay off this Prosper loan.? I intend to immediately set aside $1,000 (for first 3 months of?repay on this loan to Prosper Lenders). Subsequently,?I will also be building my net cash income reserve from my business (starting at $7,200 per month). My?Prosper Loan will be the biggest priority?each month. It will also provide a foundation for?establishing business credit for?future use.
Despite my HR prosper rating; I feel, I am an excellent lending choice and low risk to an investor. My rating is due to a lack of credit in recent years. I view this as an asset, as I have learned to live within my means. I will continue this trend while growing my business. The 3 delinquencies totaling $2,048 on my credit report are medical bills from insurance issues. I am currently?working to resolve these.
Most importantly, I have an incredible business vision, integrity, ethics, determination, and a passion for my work and commitment to service. I just need some support from real people like you...
I appreciate your time?and consideration. Please contact me with additional questions. Thank you and God bless....
Monthly Expenses? $800.00
Housing and Utilities?$400
Cell Phone $125.00
Transportation $25.00
Food/Clothing $200
Entertainment $50
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
485676
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
|
Amount:
| $5,000.00 |
Prosper Rating:
| HR |
Auction Duration:
| 7 days
|
|
Term:
| 36 months |
Estimated loss:
| 36.60% | | |
| | | |
|
|
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:
| 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-2000 |
Debt/Income ratio:
| 63% |
|
Credit score:
| 660-679 (Nov-2010) |
Inquiries last 6m:
| 1 | Employment status: | Employed |
|
Now delinquent:
| 0 |
Current / open credit lines:
| 0
/
0 | Length of status: | 1y 1m |
|
Amount delinquent:
| $0 |
Total credit lines:
| 9 |
Occupation: | Clergy |
|
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $0 | Stated income: | $1-$24,999 |
|
Delinquencies in last 7y:
| 3 |
Bankcard utilization:
| 0% | | |
| | |
Homeownership:
| No | | |
|
Screen name:
| gain-trombone |
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 to help Parents
Purpose of loan:
This loan will be used to? FAMILY EMERGENCY
My financial situation:
I am a good candidate for this loan because? I MAKE SURE I PAY OFF MY LOAN RIGHT AWAY.
Monthly net income: $ 7500.00????
Monthly expenses: $
??Housing: $?50
??Insurance: $?
??Car expenses: $
??Utilities: $ 200
??Phone, cable, internet: $
??Food, entertainment: $ 50
??Clothing, household expenses $
??Credit cards and other loans: $
??Other expenses: $
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
485688
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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:
| 28.50% |
Starting borrower rate/APR:
| 29.50% / 33.51% |
Starting monthly payment:
| $63.27 |
| |
|
Auction yield range:
| 10.57% - 28.50% |
Estimated loss impact:
| 11.52% | | |
|
Lender servicing fee:
| 1.00% |
Estimated return:
| 16.98% | | |
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):
| 8 |
First credit line:
| Dec-1989 |
Debt/Income ratio:
| 18% |
|
Credit score:
| 660-679 (Nov-2010) |
Inquiries last 6m:
| 0 | Employment status: | Employed |
|
Now delinquent:
| 0 |
Current / open credit lines:
| 14
/
13 | Length of status: | 15y 9m |
|
Amount delinquent:
| $0 |
Total credit lines:
| 29 |
Occupation: | Fireman |
|
Public records last 12m / 10y:
| 0/ 1 |
Revolving credit balance:
| $11,828 | Stated income: | $75,000-$99,999 |
|
Delinquencies in last 7y:
| 1 |
Bankcard utilization:
| 93% | | |
| | |
Homeownership:
| Yes | | |
|
Screen name:
| money-igniter7 |
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
Putting in new windows and doors
Purpose of loan:
This loan will be used to install new windows and doors on my along with the roof that I am currently having replaced to increase the value of my house.
My financial situation:
I am a good candidate for this loan because I have can afford the loan payments with no problem and I also have very stable part-time job. My car note will be paid off in March 2011 ($285.00 per mo) and another loan November 2010 ($192.00).
Monthly net income: $
2,400.00
Monthly expenses: $
??Housing: $
761.35
??Insurance: $
112.00
??Car expenses: $
285.00
??Utilities: $
250.00
??Phone, cable, internet: $
185.00
??Food, entertainment: $500.00
??Clothing, household expenses $
150.00
??Credit cards and other loans: $
675.00
??Other expenses: $ 100.00
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
485694
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an aggregate amount of the requested loan.
|
Amount:
| $3,500.00 |
Prosper Rating:
| HR |
Auction Duration:
| 7 days
|
|
Term:
| 36 months |
Estimated loss:
| 18.30% | | |
| | | |
|
|
Starting lender yield:
| 34.00% |
Starting borrower rate/APR:
| 35.00% / 38.72% |
Starting monthly payment:
| $158.33 |
| |
|
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):
| 6 |
First credit line:
| Aug-1994 |
Debt/Income ratio:
| 6% |
|
Credit score:
| 600-619 (Nov-2010) |
Inquiries last 6m:
| 0 | Employment status: | Employed |
|
Now delinquent:
| 1 |
Current / open credit lines:
| 2
/
2 | Length of status: | 18y 11m |
|
Amount delinquent:
| $221 |
Total credit lines:
| 36 |
Occupation: | Food Service |
|
Public records last 12m / 10y:
| 0/ 1 |
Revolving credit balance:
| $497 | Stated income: | $25,000-$49,999 |
|
Delinquencies in last 7y:
| 24 |
Bankcard utilization:
| 99% | | |
| | |
Homeownership:
| No | | |
|
Screen name:
| doeeyes2007 |
Borrower's state:
| Missouri |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
| Loan history | Payment history | Credit score history |
|
Active / total loans:
| 0 / 1 |
On-time:
| 19 ( 95% )
| 600-619 (Latest)
|
|
Principal borrowed:
| $1,800.00 | < 31 days late:
| 1
( 5% )
| 580-599
(Dec-2007)
|
|
Principal balance:
| $0.00 |
31+ days late:
| 0
( 0% )
|
|
Total payments billed:
| 20 | | |
Description
Home improvements
Purpose of loan:
Need to replace water pump.? Need to make some energy saving improvements to lower utilitiy bills.? These are improvements that need to be made on my dads house.? He passed away in April and we are wanting to move in after the holidays.? Please help.? He really wanted us to keep this place in the family.
My financial situation:
I am financialy stable at this point in may life.? I am wanting to improve my credit.? I just paid my car off today and will have extra money to pay the this loan every month plus extra.?
Monthly net income: $ 3000.00
Monthly expenses: $?2115.00???????
??Housing: $?0
??Insurance: $ 165.00
??Car expenses: $ 200.00
??Utilities: $ 300.00
??Phone, cable, internet: $ 250.00
??Food, entertainment: $?500.00
??Clothing, household expenses $ 200.00
??Credit cards and other loans: $ 200.00
??Other expenses: $300.00
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
485712
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the 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:
| 24.00% | | |
| | | |
|
|
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:
| 26.01% | | |
|
Lender servicing fee:
| 1.00% |
Estimated return:
| 7.99% | | |
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
|
Prosper score (1-10):
| 3 |
First credit line:
| Dec-1986 |
Debt/Income ratio:
| 18% |
|
Credit score:
| 660-679 (Nov-2010) |
Inquiries last 6m:
| 1 | Employment status: | Employed |
|
Now delinquent:
| 0 |
Current / open credit lines:
| 2
/
1 | Length of status: | 10y 3m |
|
Amount delinquent:
| $0 |
Total credit lines:
| 21 |
Occupation: | Teacher |
|
Public records last 12m / 10y:
| 0/ 1 |
Revolving credit balance:
| $0 | Stated income: | $25,000-$49,999 |
|
Delinquencies in last 7y:
| 1 |
Bankcard utilization:
| 0% | | |
| | |
Homeownership:
| Yes | | |
|
Screen name:
| rupee-spruce |
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
Repairing My Car
Purpose of loan:
This loan will be used to buy tires for my car, get a major tune-up, and get my heat repaired.
My financial situation:
I am a good candidate for this loan because I have very few bills and I am eager to get a second chance with my credit. I will strive to get A1 credit again and I feel that I can begin with this loan to prove my worth. I always like to work part-tme during the holidays to bring in extra cash, but I need?to get my car repaired to have?reliable transporation in order to get to both jobs.
Monthly net income: $ 2200? Monthly expenses: $ 1175
??Housing: $ 350????????
??Insurance: $ 75????????????????
??Car expenses: $ 450
??Utilities: $ 0
??Phone, cable, internet: $ 0
??Food, entertainment: $ 100
??Clothing, household expenses $ 100
??Credit cards and other loans: $ 0
??Other expenses: $ 100
Information in the Description is not verified.