Listing Report:Supplement No. 5 dated Dec 23, 2010 to Prospectus dated Dec 20, 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 Dec 20, 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 Dec 20, 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
488833
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount:
| $5,000.00 |
Prosper Rating:
| E |
Listing Duration:
| 14 days
|
Minimum Amount to Fund:
| $5,000 |
Estimated loss*:
| 14.20% | | |
Term:
| 36 months | | | | |
|
Lender yield:
| 31.20% |
Borrower rate/APR:
| 32.20% / 35.86% |
Monthly payment:
| $218.33 |
|
Lender servicing fee:
| 1.00% |
Effective Yield*:
| 29.77% | | |
| |
Estimated return*:
| 15.57% | | |
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own 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-1997 |
Debt/Income ratio:
| 28% |
Credit score:
| 660-679 (Dec-2010) |
Inquiries last 6m:
| 0 | Employment status: | Employed |
Now delinquent:
| 0 |
Current / open credit lines:
| 15
/
15 | Length of status: | 23y 3m |
Amount delinquent:
| $0 |
Total credit lines:
| 41 |
Occupation: | Other |
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $28,354 | Stated income: | $25,000-$49,999 |
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 94% | | |
| |
Homeownership:
| Yes | | |
Screen name:
| orange-gain-photon |
Borrower's state:
| Oregon |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Description
Pay off credit cards
Purpose of loan:
This loan will be used to?
My financial situation:
I am a good candidate for this loan because?
Monthly net income: $
Monthly expenses: $
??Housing: $
??Insurance: $
??Car expenses: $
??Utilities: $
??Phone, cable, internet: $
??Food, entertainment: $
??Clothing, household expenses $
??Credit cards and other loans: $
??Other expenses: $
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
488839
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount:
| $10,000.00 |
Prosper Rating:
| AA |
Listing Duration:
| 14 days
|
Minimum Amount to Fund:
| $7,000 |
Estimated loss*:
| 1.30% | | |
Term:
| 36 months | | | | |
|
Lender yield:
| 6.65% |
Borrower rate/APR:
| 7.65% / 7.99% |
Monthly payment:
| $311.75 |
|
Lender servicing fee:
| 1.00% |
Effective Yield*:
| 6.65% | | |
| |
Estimated return*:
| 5.35% | | |
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own 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-2001 |
Debt/Income ratio:
| 13% |
Credit score:
| 740-759 (Dec-2010) |
Inquiries last 6m:
| 0 | Employment status: | Employed |
Now delinquent:
| 0 |
Current / open credit lines:
| 11
/
11 | Length of status: | 6y 1m |
Amount delinquent:
| $0 |
Total credit lines:
| 16 |
Occupation: | Executive |
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $6,374 | Stated income: | $50,000-$74,999 |
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 24% | | |
| |
Homeownership:
| No | | |
Screen name:
| bobchik |
Borrower's state:
| California |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan history | Payment history | Credit score history |
Active / total loans:
| 1 / 1 |
On-time:
| 27 ( 100% )
| 740-759 (Latest)
|
Principal borrowed:
| $5,000.00 | < 31 days late:
| 0
( 0% )
| 720-739
(Jun-2010)
640-659
(Sep-2008)
580-599
(Apr-2008)
|
Principal balance:
| $1,490.05 |
31+ days late:
| 0
( 0% )
|
Total payments billed:
| 27 | | |
Description
Paying off my Credit Cards
Purpose of loan:
This loan will be used to consolidate all credit card payments under one bill
My financial situation:
I am a good candidate for this loan because I pay all my bills on time
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
488857
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount:
| $2,000.00 |
Prosper Rating:
| D |
Listing Duration:
| 14 days
|
Minimum Amount to Fund:
| $2,000 |
Estimated loss*:
| 9.80% | | |
Term:
| 36 months | | | | |
|
Lender yield:
| 26.75% |
Borrower rate/APR:
| 27.75% / 31.31% |
Monthly payment:
| $82.46 |
|
Lender servicing fee:
| 1.00% |
Effective Yield*:
| 26.08% | | |
| |
Estimated return*:
| 16.28% | | |
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10):
| 6 |
First credit line:
| May-1997 |
Debt/Income ratio:
| 34% |
Credit score:
| 700-719 (Dec-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:
| 22 |
Occupation: | Student - College G... |
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $1,444 | Stated income: | $1-$24,999 |
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 48% | | |
| |
Homeownership:
| No | | |
Screen name:
| clwartisticcolorist |
Borrower's state:
| Florida |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan history | Payment history | Credit score history |
Active / total loans:
| 0 / 1 |
On-time:
| 28 ( 100% )
| 700-719 (Latest)
|
Principal borrowed:
| $1,500.00 | < 31 days late:
| 0
( 0% )
| 720-739
(Jul-2008)
620-639
(Dec-2007)
|
Principal balance:
| $0.00 |
31+ days late:
| 0
( 0% )
|
Total payments billed:
| 28 | | |
Description
Health &amp; Fitness
Purpose of loan:
This loan will be used to?
Join a gym and get fresh healthy food deliveries. I am a full time doctoral student and I started working out on my own, but I would like to be able to keep it up at a gym. Food portions and selection is key to weight loss and being healthy, so if I can get the food delivery program I will be able to eat healthy. I do not need the full 2,000 to accomplish my fitness goals over the next 6 months, but that is the minimum amount of the loan.
My financial situation:
I am a good candidate for this loan because?
I have not had any delinquencies on my credit in the past 7 years according to my credit report. I have no outstanding balances. I know my credit score and Prosper score have gone down?over the past two years,because I do not own a home or?work full-time so my debt to credit ratio looks poor, but I pay my bills on time. Please check out the details of my credit profile, not just look at the D.
Monthly net income: $ 1,400.
Monthly expenses: $
??Housing: $ 900
??Insurance: $
??Car expenses: $ 300
??Utilities: $ 50
??Phone, cable, internet: $ 100
??Food, entertainment: $ 150
??Clothing, household expenses $
??Credit cards and other loans: $ 200
??Other expenses: $
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
488865
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount:
| $12,600.00 |
Prosper Rating:
| B |
Listing Duration:
| 14 days
|
Minimum Amount to Fund:
| $12,600 |
Estimated loss*:
| 4.95% | | |
Term:
| 60 months | | | | |
|
Lender yield:
| 15.40% |
Borrower rate/APR:
| 16.40% / 17.81% |
Monthly payment:
| $309.09 |
|
Lender servicing fee:
| 1.00% |
Effective Yield*:
| 15.14% | | |
| |
Estimated return*:
| 10.19% | | |
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own 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-1990 |
Debt/Income ratio:
| 19% |
Credit score:
| 760-779 (Dec-2010) |
Inquiries last 6m:
| 2 | Employment status: | Employed |
Now delinquent:
| 0 |
Current / open credit lines:
| 18
/
15 | Length of status: | 0y 11m |
Amount delinquent:
| $0 |
Total credit lines:
| 71 |
Occupation: | Professional |
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $23,088 | Stated income: | $100,000+ |
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 45% | | |
| |
Homeownership:
| Yes | | |
Screen name:
| DenverCapital |
Borrower's state:
| NorthCarolina |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan history | Payment history | Credit score history |
Active / total loans:
| 0 / 2 |
On-time:
| 6 ( 100% )
| 760-779 (Latest)
|
Principal borrowed:
| $6,400.00 | < 31 days late:
| 0
( 0% )
| 680-699
(Nov-2009)
680-699
(Sep-2009)
700-719
(May-2008)
720-739
(Nov-2007)
|
Principal balance:
| $0.01 |
31+ days late:
| 0
( 0% )
|
Total payments billed:
| 6 | | |
Description
Pay off credit card
Purpose of loan:
This loan will be used to pay off my last remaining high-interest credit card.
My financial situation:
I am a good candidate for this loan due to the fact that I have a solid credit rating, great income, and have had a spotless payment record here on Prosper.? In fact, I have repaid all of my loans early, usually in 12-18 months.
Monthly net income: $ 10,400
Monthly expenses: $ 7000
??Housing: $
1900
??Insurance: $
200
??Car expenses: $
1000
??Utilities: $
300
??Phone, cable, internet: $ 100
??Food, entertainment: $
1000
??Clothing, household expenses $
500
??Credit cards and other loans: $
1000
??Other expenses: $
1000
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
488869
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount:
| $7,500.00 |
Prosper Rating:
| E |
Listing Duration:
| 14 days
|
Minimum Amount to Fund:
| $5,250 |
Estimated loss*:
| 14.20% | | |
Term:
| 36 months | | | | |
|
Lender yield:
| 31.20% |
Borrower rate/APR:
| 32.20% / 35.86% |
Monthly payment:
| $327.49 |
|
Lender servicing fee:
| 1.00% |
Effective Yield*:
| 29.77% | | |
| |
Estimated return*:
| 15.57% | | |
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own 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-1997 |
Debt/Income ratio:
| Not calculated |
Credit score:
| 700-719 (Dec-2010) |
Inquiries last 6m:
| 3 | Employment status: | Not employed |
Now delinquent:
| 1 |
Current / open credit lines:
| 10
/
9 | Length of status: | 10y 0m |
Amount delinquent:
| $449 |
Total credit lines:
| 19 | Stated income: | Not employed |
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $6,304 | |
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 61% | | |
| |
Homeownership:
| No | | |
Screen name:
| determined-fund0 |
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
payoff my credit cards
Purpose of loan:
This loan will be used to?
to paid my credit cards
My financial situation:
I am a good candidate for this loan because?
I'm stable and Secure
Monthly net income: $ 5,000
Monthly expenses: $
??Housing: $
700
??Insurance: $
0
??Car expenses: $
0
??Utilities: $
150
??Phone, cable, internet: $
25
??Food, entertainment: $
200
??Clothing, household expenses $
100
??Credit cards and other loans: $
100
??Other expenses: $
0
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
488887
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount:
| $7,000.00 |
Prosper Rating:
| E |
Listing Duration:
| 14 days
|
Minimum Amount to Fund:
| $7,000 |
Estimated loss*:
| 14.20% | | |
Term:
| 36 months | | | | |
|
Lender yield:
| 31.20% |
Borrower rate/APR:
| 32.20% / 35.86% |
Monthly payment:
| $305.66 |
|
Lender servicing fee:
| 1.00% |
Effective Yield*:
| 29.77% | | |
| |
Estimated return*:
| 15.57% | | |
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10):
| 5 |
First credit line:
| Mar-1992 |
Debt/Income ratio:
| 21% |
Credit score:
| 720-739 (Dec-2010) |
Inquiries last 6m:
| 0 | Employment status: | Employed |
Now delinquent:
| 0 |
Current / open credit lines:
| 6
/
5 | Length of status: | 2y 6m |
Amount delinquent:
| $0 |
Total credit lines:
| 23 |
Occupation: | Principal |
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $132,261 | Stated income: | $100,000+ |
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 100% | | |
| |
Homeownership:
| Yes | | |
Screen name:
| magnificent-leverage1 |
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
Need a Bridge to a Windfall
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
488915
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount:
| $3,000.00 |
Prosper Rating:
| D |
Listing Duration:
| 14 days
|
Minimum Amount to Fund:
| $2,100 |
Estimated loss*:
| 9.80% | | |
Term:
| 36 months | | | | |
|
Lender yield:
| 26.75% |
Borrower rate/APR:
| 27.75% / 31.31% |
Monthly payment:
| $123.69 |
|
Lender servicing fee:
| 1.00% |
Effective Yield*:
| 26.08% | | |
| |
Estimated return*:
| 16.28% | | |
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own 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-1999 |
Debt/Income ratio:
| 40% |
Credit score:
| 720-739 (Dec-2010) |
Inquiries last 6m:
| 1 | Employment status: | Employed |
Now delinquent:
| 0 |
Current / open credit lines:
| 12
/
11 | Length of status: | 2y 11m |
Amount delinquent:
| $0 |
Total credit lines:
| 45 |
Occupation: | Professional |
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $13,095 | Stated income: | $25,000-$49,999 |
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 52% | | |
| |
Homeownership:
| Yes | | |
Screen name:
| creditcardsrtrouble |
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.
Prosper Activity
Loan history | Payment history | Credit score history |
Active / total loans:
| 1 / 1 |
On-time:
| 8 ( 100% )
| 720-739 (Latest)
|
Principal borrowed:
| $4,500.00 | < 31 days late:
| 0
( 0% )
| 740-759
(Mar-2010)
720-739
(Nov-2009)
|
Principal balance:
| $3,604.79 |
31+ days late:
| 0
( 0% )
|
Total payments billed:
| 8 | | |
Description
Debt Reduction
Purpose of loan:
This loan will be used to pay off Chase and give me a little to set aside for savings/emergencies.? I am trying to get ahead of these credit cards but it is difficult with the interest!
My financial situation:
I am a good candidate for this loan becauseI pay all of my bills on time and I have a good credit history.
Monthly net income: $5500
Monthly expenses: $3000.00
??Housing: $730.00
??Insurance: $ 93.00
??Car expenses: $ 300.00
??Utilities: $ 250.00
??Phone, cable, internet: $130.00
??Food, entertainment: $ 100.00
??Clothing, household expenses $200.00
??Credit cards and other loans: $400.00
??Other expenses: $800.00
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
488921
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount:
| $2,000.00 |
Prosper Rating:
| B |
Listing Duration:
| 14 days
|
Minimum Amount to Fund:
| $2,000 |
Estimated loss*:
| 5.95% | | |
Term:
| 36 months | | | | |
|
Lender yield:
| 13.90% |
Borrower rate/APR:
| 14.90% / 17.07% |
Monthly payment:
| $69.23 |
|
Lender servicing fee:
| 1.00% |
Effective Yield*:
| 13.67% | | |
| |
Estimated return*:
| 7.72% | | |
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own 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-1994 |
Debt/Income ratio:
| 11% |
Credit score:
| 760-779 (Dec-2010) |
Inquiries last 6m:
| 2 | Employment status: | Employed |
Now delinquent:
| 0 |
Current / open credit lines:
| 11
/
9 | Length of status: | 2y 0m |
Amount delinquent:
| $0 |
Total credit lines:
| 28 |
Occupation: | Other |
Public records last 12m / 10y:
| 0/ 1 |
Revolving credit balance:
| $6,949 | Stated income: | $50,000-$74,999 |
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 47% | | |
| |
Homeownership:
| No | | |
Screen name:
| dime-flow2 |
Borrower's state:
| Kentucky |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Description
paying off some bills
Purpose of loan:
This loan will be used to? help catch up on some unexpexted bills and for car repair.
My financial situation:
I am a good candidate for this loan because? I have to jobs one full time and the other weekends for Logistics Health contracted thru the Goverment.
Monthly net income: $ 2200.00
Monthly expenses: $
??Housing: $ 689
??Insurance: $ 159 every 3 months
??Car expenses: $ 50.00 3 months
??Utilities: $ 164
??Phone, cable, internet: $ 175
??Food, entertainment: $ 50
??Clothing, household expenses $ 50
??Credit cards and other loans: $ 500
??Other expenses: $
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
488923
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount:
| $15,000.00 |
Prosper Rating:
| B |
Listing Duration:
| 14 days
|
Minimum Amount to Fund:
| $10,500 |
Estimated loss*:
| 4.95% | | |
Term:
| 60 months | | | | |
|
Lender yield:
| 15.40% |
Borrower rate/APR:
| 16.40% / 17.81% |
Monthly payment:
| $367.97 |
|
Lender servicing fee:
| 1.00% |
Effective Yield*:
| 15.14% | | |
| |
Estimated return*:
| 10.19% | | |
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10):
| 8 |
First credit line:
| Sep-2001 |
Debt/Income ratio:
| 25% |
Credit score:
| 740-759 (Dec-2010) |
Inquiries last 6m:
| 0 | Employment status: | Employed |
Now delinquent:
| 0 |
Current / open credit lines:
| 13
/
13 | Length of status: | 4y 4m |
Amount delinquent:
| $0 |
Total credit lines:
| 20 |
Occupation: | Retail Management |
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $4,587 | Stated income: | $25,000-$49,999 |
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 9% | | |
| |
Homeownership:
| Yes | | |
Screen name:
| wealth-mover646 |
Borrower's state:
| Missouri |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan history | Payment history | Credit score history |
Active / total loans:
| 1 / 1 |
On-time:
| 10 ( 100% )
| 740-759 (Latest)
|
Principal borrowed:
| $7,500.00 | < 31 days late:
| 0
( 0% )
| 760-779
(Jan-2010)
|
Principal balance:
| $5,739.51 |
31+ days late:
| 0
( 0% )
|
Total payments billed:
| 10 | | |
Description
Small Business Loan
This loan will be used to expand an already existing party bus business in Kansas City, MO.? I currently own 2 buses free and clear that generate $1500 profit per month.? I'm looking to add an additional bus as I am currently at full capacity right now. The new bus will be much more larger and luxurious than the 2 I currently own, thus we will be able to charge?$25-$50 more?per hour.? By adding this additional bus I expect to increase income by $700-$1000 per month.? I will have this loan paid off within 1-2 years!
$40k salary from retail management job
10k equity in home
1 rental property that generates an?extra $950 in income
4?investment properties that?are worth 3-4k each
20k retirement funds
10k stocks/bonds
I am 28 years old and have never missed a payment and never will!? I work hard?everyday at what I do and?always strive?for the best in life.??
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
488957
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount:
| $5,000.00 |
Prosper Rating:
| D |
Listing Duration:
| 14 days
|
Minimum Amount to Fund:
| $3,500 |
Estimated loss*:
| 9.80% | | |
Term:
| 36 months | | | | |
|
Lender yield:
| 26.75% |
Borrower rate/APR:
| 27.75% / 31.31% |
Monthly payment:
| $206.14 |
|
Lender servicing fee:
| 1.00% |
Effective Yield*:
| 26.08% | | |
| |
Estimated return*:
| 16.28% | | |
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10):
| 6 |
First credit line:
| Jun-1992 |
Debt/Income ratio:
| 25% |
Credit score:
| 740-759 (Dec-2010) |
Inquiries last 6m:
| 2 | Employment status: | Employed |
Now delinquent:
| 0 |
Current / open credit lines:
| 15
/
12 | Length of status: | 27y 6m |
Amount delinquent:
| $0 |
Total credit lines:
| 34 |
Occupation: | Other |
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $17,473 | Stated income: | $50,000-$74,999 |
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 54% | | |
| |
Homeownership:
| No | | |
Screen name:
| CBO |
Borrower's state:
| Minnesota |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan history | Payment history | Credit score history |
Active / total loans:
| 0 / 1 |
On-time:
| 13 ( 100% )
| 740-759 (Latest)
|
Principal borrowed:
| $7,500.00 | < 31 days late:
| 0
( 0% )
| 780-799
(Jan-2008)
|
Principal balance:
| $0.01 |
31+ days late:
| 0
( 0% )
|
Total payments billed:
| 13 | | |
Description
paying off credit cards
Purpose of loan:
This loan will be used to?consolidate credit card debt
My financial situation:
I am a good candidate for this loan because I have a good job,I have always payed my bills on time and have a good credit history.?
Monthly net income: $
2,600
Monthly expenses: $
??Housing: $
660
??Insurance: $
100
??Car expenses: $
0
??Utilities: $
200
??Phone, cable, internet: $
250
??Food, entertainment: $ 500
??Clothing, household expenses $
150
??Credit cards and other loans: $
300
??Other expenses: $
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
488967
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount:
| $2,500.00 |
Prosper Rating:
| D |
Listing Duration:
| 14 days
|
Minimum Amount to Fund:
| $2,500 |
Estimated loss*:
| 10.80% | | |
Term:
| 36 months | | | | |
|
Lender yield:
| 28.50% |
Borrower rate/APR:
| 29.50% / 33.10% |
Monthly payment:
| $105.45 |
|
Lender servicing fee:
| 1.00% |
Effective Yield*:
| 27.78% | | |
| |
Estimated return*:
| 16.98% | | |
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10):
| 7 |
First credit line:
| Sep-1981 |
Debt/Income ratio:
| Not calculated |
Credit score:
| 760-779 (Dec-2010) |
Inquiries last 6m:
| 0 | Employment status: | Employed |
Now delinquent:
| 0 |
Current / open credit lines:
| 11
/
11 | Length of status: | 32y 6m |
Amount delinquent:
| $0 |
Total credit lines:
| 16 |
Occupation: | Computer Programmer |
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $81,695 | Stated income: | $75,000-$99,999 |
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 45% | | |
| |
Homeownership:
| No | | |
Screen name:
| lean-gain1 |
Borrower's state:
| Oregon |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Description
Daughters graduation trip
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
488969
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount:
| $6,000.00 |
Prosper Rating:
| E |
Listing Duration:
| 14 days
|
Minimum Amount to Fund:
| $4,200 |
Estimated loss*:
| 14.20% | | |
Term:
| 36 months | | | | |
|
Lender yield:
| 31.20% |
Borrower rate/APR:
| 32.20% / 35.86% |
Monthly payment:
| $261.99 |
|
Lender servicing fee:
| 1.00% |
Effective Yield*:
| 29.77% | | |
| |
Estimated return*:
| 15.57% | | |
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own 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-1997 |
Debt/Income ratio:
| Not calculated |
Credit score:
| 700-719 (Dec-2010) |
Inquiries last 6m:
| 0 | Employment status: | Not employed |
Now delinquent:
| 0 |
Current / open credit lines:
| 7
/
7 | Length of status: | 0y 2m |
Amount delinquent:
| $0 |
Total credit lines:
| 22 | Stated income: | Not employed |
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $15,139 | |
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 86% | | |
| |
Homeownership:
| Yes | | |
Screen name:
| enterprising-social755 |
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
Consolidate medical bills
Purpose of loan:
I am using this loan to pay medical bills which have accumulated and are now coming due.? I have recently left my job for medical reasons.? This is why I am not providing income verification.? I do recieve money from my insurance though.? I have worked all my life and it has just taken this one event to put me a little behind.? By combining all medical bills and getting them all in one payment will make things much easier.? Thanks for your consideration.
My financial situation:
I am married and my husband makes enough money to continut to pay this bill himself.? I also recieve money which cannot be verified, but is in the form of insurance payments.??Both of our credit scores are above 700,?I get?knocked down for not being able to verify income.? We have tried other loan avenues but medical loans are hard to get.? ?We are? not behind on any bills and continue to pay off debts that we have.?? By combining all these medical expenses it would make life a little easier.
Monthly net income: $ 4500
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
488981
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount:
| $7,500.00 |
Prosper Rating:
| D |
Listing Duration:
| 14 days
|
Minimum Amount to Fund:
| $5,250 |
Estimated loss*:
| 10.80% | | |
Term:
| 36 months | | | | |
|
Lender yield:
| 28.50% |
Borrower rate/APR:
| 29.50% / 33.10% |
Monthly payment:
| $316.34 |
|
Lender servicing fee:
| 1.00% |
Effective Yield*:
| 27.78% | | |
| |
Estimated return*:
| 16.98% | | |
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10):
| 6 |
First credit line:
| Sep-1994 |
Debt/Income ratio:
| 23% |
Credit score:
| 740-759 (Dec-2010) |
Inquiries last 6m:
| 2 | Employment status: | Employed |
Now delinquent:
| 0 |
Current / open credit lines:
| 9
/
8 | Length of status: | 1y 11m |
Amount delinquent:
| $0 |
Total credit lines:
| 27 |
Occupation: | Professional |
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $31,322 | Stated income: | $75,000-$99,999 |
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 81% | | |
| |
Homeownership:
| Yes | | |
Screen name:
| bold-platinum-base |
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 credit cards
Purpose of loan:
This loan will be used to consolidate debt to make paying mortgage more manageable.
My financial situation:
I am a good candidate for this loan because I have a stable job with stable income, and have a history of paying off all debt and not defaulting on any responsibilities.
Monthly net income: $
4,720
Monthly expenses: $ 4,085
??Housing: $
1192
??Insurance: $ 105
??Car expenses: $
357
??Utilities: $
125
??Phone, cable, internet: $
200
??Food, entertainment: $
500
??Clothing, household expenses $
125
??Credit cards and other loans: $
697
??Other expenses: $
784
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
488991
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount:
| $15,000.00 |
Prosper Rating:
| A |
Listing Duration:
| 14 days
|
Minimum Amount to Fund:
| $10,500 |
Estimated loss*:
| 3.50% | | |
Term:
| 36 months | | | | |
|
Lender yield:
| 9.95% |
Borrower rate/APR:
| 10.95% / 13.07% |
Monthly payment:
| $490.73 |
|
Lender servicing fee:
| 1.00% |
Effective Yield*:
| 9.92% | | |
| |
Estimated return*:
| 6.42% | | |
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own 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:
| Oct-1990 |
Debt/Income ratio:
| 15% |
Credit score:
| 760-779 (Dec-2010) |
Inquiries last 6m:
| 1 | Employment status: | Employed |
Now delinquent:
| 0 |
Current / open credit lines:
| 18
/
16 | Length of status: | 13y 3m |
Amount delinquent:
| $0 |
Total credit lines:
| 55 |
Occupation: | Other |
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $39,560 | Stated income: | $100,000+ |
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 47% | | |
| |
Homeownership:
| Yes | | |
Screen name:
| loan-apple3 |
Borrower's state:
| Tennessee |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Description
Paying off my credit cards
Purpose of loan:
This loan will be used to?
My financial situation:
I am a good candidate for this loan because?
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
488997
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount:
| $15,000.00 |
Prosper Rating:
| A |
Listing Duration:
| 14 days
|
Minimum Amount to Fund:
| $10,500 |
Estimated loss*:
| 3.50% | | |
Term:
| 60 months | | | | |
|
Lender yield:
| 12.95% |
Borrower rate/APR:
| 13.95% / 15.33% |
Monthly payment:
| $348.64 |
|
Lender servicing fee:
| 1.00% |
Effective Yield*:
| 12.90% | | |
| |
Estimated return*:
| 9.40% | | |
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10):
| 9 |
First credit line:
| May-1985 |
Debt/Income ratio:
| 10% |
Credit score:
| 840-859 (Dec-2010) |
Inquiries last 6m:
| 2 | Employment status: | Employed |
Now delinquent:
| 0 |
Current / open credit lines:
| 15
/
14 | Length of status: | 6y 9m |
Amount delinquent:
| $0 |
Total credit lines:
| 48 |
Occupation: | Executive |
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $7,353 | Stated income: | $100,000+ |
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 3% | | |
| |
Homeownership:
| Yes | | |
Screen name:
| listing-hug |
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
Inventory for prom season
Purpose of loan:
This loan will be used to??
?Buy more lines of prom gowns, we are consistantly growing and we need to provide more.
My financial situation:
I am a good candidate for this loan because?? I always pay my bills. I am going to double my sales because of my investment.
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
488999
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount:
| $20,000.00 |
Prosper Rating:
| AA |
Listing Duration:
| 14 days
|
Minimum Amount to Fund:
| $14,000 |
Estimated loss*:
| 1.55% | | |
Term:
| 36 months | | | | |
|
Lender yield:
| 7.00% |
Borrower rate/APR:
| 8.00% / 8.34% |
Monthly payment:
| $626.73 |
|
Lender servicing fee:
| 1.00% |
Effective Yield*:
| 7.00% | | |
| |
Estimated return*:
| 5.45% | | |
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10):
| 10 |
First credit line:
| Jul-1990 |
Debt/Income ratio:
| 13% |
Credit score:
| 820-839 (Dec-2010) |
Inquiries last 6m:
| 2 | Employment status: | Employed |
Now delinquent:
| 0 |
Current / open credit lines:
| 9
/
8 | Length of status: | 10y 8m |
Amount delinquent:
| $0 |
Total credit lines:
| 29 |
Occupation: | Computer Programmer |
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $5,203 | Stated income: | $100,000+ |
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 6% | | |
| |
Homeownership:
| Yes | | |
Screen name:
| transaction-circuit |
Borrower's state:
| Colorado |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Description
Kitchen and bathroom remodel
This loan will be used to remodel my kitchen and 2 bathrooms. I do have the cash available to pay for the remodel, but I wanted to leverage the good interest rate to finance the project on a 3 year loan. I'm also a Prosper investor and wanted to see how the process works on the borrower side. I think you will find my credit stats speak to my credit worthiness - over 800 credit score, low debt, great income, etc. In my entire credit history, I've never had even 1 late payment. I can assure you this loan will be repaid.
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
488842
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount:
| $5,000.00 |
Prosper Rating:
| B |
Listing Duration:
| 14 days
|
Minimum Amount to Fund:
| $3,500 |
Estimated loss*:
| 5.95% | | |
Term:
| 36 months | | | | |
|
Lender yield:
| 13.90% |
Borrower rate/APR:
| 14.90% / 17.07% |
Monthly payment:
| $173.08 |
|
Lender servicing fee:
| 1.00% |
Effective Yield*:
| 13.67% | | |
| |
Estimated return*:
| 7.72% | | |
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10):
| 8 |
First credit line:
| Mar-1982 |
Debt/Income ratio:
| 17% |
Credit score:
| 760-779 (Dec-2010) |
Inquiries last 6m:
| 0 | Employment status: | Other |
Now delinquent:
| 0 |
Current / open credit lines:
| 2
/
2 | Length of status: | 15y 11m |
Amount delinquent:
| $0 |
Total credit lines:
| 8 |
Occupation: | Other |
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $1,954 | Stated income: | $1-$24,999 |
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 23% | | |
| |
Homeownership:
| No | | |
Screen name:
| human238 |
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
helping family through hardship
Purpose of loan:
This loan will be used to assist my daughter through a recent hardship. She has 6 children and works very hard at her job. She does her best to provide for her children. She is needing assistance to look into renting a new home, as her current home is being put up for sale. I would like to help her in anyway I can. The search for a new home can be very difficult and expensive if you don't have the money upfront at the time a property beiomes available.
My financial situation:
I am a good candidate for this loan because I do not have very many expenses and my credit rating shows that I am worthy of paying the loan back without any problems.
Monthly net income: $ 1061
Monthly expenses: $560
??Housing: $ 0
Insurance: $ 0
??Car expenses: $0
??Utilities: $ 100
??Phone, cable, internet: $ 60
??Food, entertainment: $ 250
??Clothing, household expenses $ 60
??Credit cards and other loans: $40
??Other expenses: $ 50
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
488878
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount:
| $2,000.00 |
Prosper Rating:
| D |
Listing Duration:
| 14 days
|
Minimum Amount to Fund:
| $2,000 |
Estimated loss*:
| 9.80% | | |
Term:
| 36 months | | | | |
|
Lender yield:
| 26.75% |
Borrower rate/APR:
| 27.75% / 31.31% |
Monthly payment:
| $82.46 |
|
Lender servicing fee:
| 1.00% |
Effective Yield*:
| 26.08% | | |
| |
Estimated return*:
| 16.28% | | |
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10):
| 6 |
First credit line:
| Aug-1995 |
Debt/Income ratio:
| 29% |
Credit score:
| 720-739 (Dec-2010) |
Inquiries last 6m:
| 0 | Employment status: | Other |
Now delinquent:
| 0 |
Current / open credit lines:
| 10
/
8 | Length of status: | 5y 6m |
Amount delinquent:
| $0 |
Total credit lines:
| 25 |
Occupation: | Other |
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $8,915 | Stated income: | $50,000-$74,999 |
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 60% | | |
| |
Homeownership:
| Yes | | |
Screen name:
| MissDaisy |
Borrower's state:
| Georgia |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan history | Payment history | Credit score history |
Active / total loans:
| 0 / 1 |
On-time:
| 35 ( 100% )
| 720-739 (Latest)
|
Principal borrowed:
| $10,000.00 | < 31 days late:
| 0
( 0% )
| 640-659
(Jul-2006)
|
Principal balance:
| $0.00 |
31+ days late:
| 0
( 0% )
|
Total payments billed:
| 35 | | |
Description
Helping My Son Get Back in School
Purpose of loan:
This loan will be used to help my son complete Computer Networking certification.
My financial situation:
I am a good candidate for this loan because my last prosper loan was for $10,000 and I have paid it in full.
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
488896
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount:
| $4,000.00 |
Prosper Rating:
| E |
Listing Duration:
| 14 days
|
Minimum Amount to Fund:
| $2,800 |
Estimated loss*:
| 14.20% | | |
Term:
| 36 months | | | | |
|
Lender yield:
| 31.20% |
Borrower rate/APR:
| 32.20% / 35.86% |
Monthly payment:
| $174.66 |
|
Lender servicing fee:
| 1.00% |
Effective Yield*:
| 29.77% | | |
| |
Estimated return*:
| 15.57% | | |
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own 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-1975 |
Debt/Income ratio:
| 48% |
Credit score:
| 660-679 (Dec-2010) |
Inquiries last 6m:
| 1 | Employment status: | Other |
Now delinquent:
| 0 |
Current / open credit lines:
| 31
/
24 | Length of status: | 8y 9m |
Amount delinquent:
| $0 |
Total credit lines:
| 57 | Stated income: | $75,000-$99,999 |
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $73,152 | |
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 84% | | |
| |
Homeownership:
| Yes | | |
Screen name:
| best-dinero-sapling |
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
vacations
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
488898
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount:
| $5,000.00 |
Prosper Rating:
| D |
Listing Duration:
| 14 days
|
Minimum Amount to Fund:
| $3,500 |
Estimated loss*:
| 10.80% | | |
Term:
| 36 months | | | | |
|
Lender yield:
| 28.50% |
Borrower rate/APR:
| 29.50% / 33.10% |
Monthly payment:
| $210.89 |
|
Lender servicing fee:
| 1.00% |
Effective Yield*:
| 27.78% | | |
| |
Estimated return*:
| 16.98% | | |
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own 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-1981 |
Debt/Income ratio:
| 17% |
Credit score:
| 700-719 (Nov-2010) |
Inquiries last 6m:
| 5 | Employment status: | Employed |
Now delinquent:
| 0 |
Current / open credit lines:
| 18
/
15 | Length of status: | 24y 6m |
Amount delinquent:
| $0 |
Total credit lines:
| 37 |
Occupation: | Executive |
Public records last 12m / 10y:
| 5/ 11 |
Revolving credit balance:
| $30,084 | Stated income: | $100,000+ |
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 50% | | |
| |
Homeownership:
| Yes | | |
Screen name:
| investor825 |
Borrower's state:
| Arkansas |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Description
Established Business Needs Vehicle
Purpose of loan:
This loan will be used to?
purchase a used car for our ongoing business.
My financial situation:
I am a good candidate for this loan because?
my business has been around since the late 80s.? For the 30+ vehicles purchased over the last 10 years, I've always paid cash and will likely do so again should this avenue not pan out.? My goal is to prove my credit worthiness on Prosper and establish this as a viable credit option.? Obviously at these sky high rates, I'd be better off paying cash or using traditional credit options.? I like the idea of Prosper and I'm willing to pay my dues to prove myself.
Monthly net income: $ Business net after meeting $75K payroll, operating expenses....is $20K.
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
488918
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount:
| $3,000.00 |
Prosper Rating:
| E |
Listing Duration:
| 14 days
|
Minimum Amount to Fund:
| $2,100 |
Estimated loss*:
| 14.20% | | |
Term:
| 36 months | | | | |
|
Lender yield:
| 31.20% |
Borrower rate/APR:
| 32.20% / 35.86% |
Monthly payment:
| $131.00 |
|
Lender servicing fee:
| 1.00% |
Effective Yield*:
| 29.77% | | |
| |
Estimated return*:
| 15.57% | | |
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own 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-1991 |
Debt/Income ratio:
| 40% |
Credit score:
| 680-699 (Dec-2010) |
Inquiries last 6m:
| 0 | Employment status: | Employed |
Now delinquent:
| 0 |
Current / open credit lines:
| 8
/
6 | Length of status: | 2y 4m |
Amount delinquent:
| $0 |
Total credit lines:
| 26 |
Occupation: | Teacher |
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $23,831 | Stated income: | $25,000-$49,999 |
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 97% | | |
| |
Homeownership:
| Yes | | |
Screen name:
| impressive-auction5 |
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
paying on credit cards
Purpose of loan:
This loan will be used to?? pay on high interested credit cards
My financial situation:
I am a good candidate for this loan because?
I have good credit history and stable work history
Monthly net income: $ 3170
Monthly expenses: $ 2600
??Housing: $ 657
??Insurance: $ 100
??Car expenses: $ 257
??Utilities: $ 120
??Phone, cable, internet: $ 100
??Food, entertainment: $ 120
??Clothing, household expenses $ 50
??Credit cards and other loans: $ 1100
??Other expenses: $ 150
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
488924
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount:
| $7,500.00 |
Prosper Rating:
| D |
Listing Duration:
| 14 days
|
Minimum Amount to Fund:
| $5,250 |
Estimated loss*:
| 10.80% | | |
Term:
| 36 months | | | | |
|
Lender yield:
| 28.50% |
Borrower rate/APR:
| 29.50% / 33.10% |
Monthly payment:
| $316.34 |
|
Lender servicing fee:
| 1.00% |
Effective Yield*:
| 27.78% | | |
| |
Estimated return*:
| 16.98% | | |
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own 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-2003 |
Debt/Income ratio:
| 8% |
Credit score:
| 720-739 (Dec-2010) |
Inquiries last 6m:
| 5 | Employment status: | Employed |
Now delinquent:
| 1 |
Current / open credit lines:
| 8
/
7 | Length of status: | 5y 11m |
Amount delinquent:
| $2 |
Total credit lines:
| 26 |
Occupation: | Computer Programmer |
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $867 | Stated income: | $100,000+ |
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 12% | | |
| |
Homeownership:
| No | | |
Screen name:
| green-nickel-cub |
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
Money for college
Purpose of loan:
This loan will be used to pay for my law schooling.
My financial situation:
I am a good candidate for this loan because I make 124k per year and have been at my job for over 5 years now.?
Monthly net income: $ 77,792
Monthly expenses: $ 1780
??Housing: $ 800
??Insurance: $ 100
??Car expenses: $ 100
??Utilities: $ 120
??Phone, cable, internet: $ 60
??Food, entertainment: $ 200
??Clothing, household expenses $ 100
??Credit cards and other loans: $ 200
??Other expenses: $ 100
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
488928
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount:
| $15,000.00 |
Prosper Rating:
| A |
Listing Duration:
| 14 days
|
Minimum Amount to Fund:
| $10,500 |
Estimated loss*:
| 3.50% | | |
Term:
| 60 months | | | | |
|
Lender yield:
| 12.95% |
Borrower rate/APR:
| 13.95% / 15.33% |
Monthly payment:
| $348.64 |
|
Lender servicing fee:
| 1.00% |
Effective Yield*:
| 12.90% | | |
| |
Estimated return*:
| 9.40% | | |
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own 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:
| Oct-1998 |
Debt/Income ratio:
| 13% |
Credit score:
| 740-759 (Dec-2010) |
Inquiries last 6m:
| 1 | Employment status: | Employed |
Now delinquent:
| 0 |
Current / open credit lines:
| 7
/
6 | Length of status: | 7y 1m |
Amount delinquent:
| $0 |
Total credit lines:
| 21 |
Occupation: | Construction |
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $37,776 | Stated income: | $50,000-$74,999 |
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 64% | | |
| |
Homeownership:
| Yes | | |
Screen name:
| radiant-bazaar4 |
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 credit cards
Purpose of loan:
This loan will be used to?
pay off all credit cards.
My financial situation:
I am a good candidate for this loan because?
we plan to pay this loan off in less than three years.? This loan will be much less than what I am paying currently on our credit cards
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
488954
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount:
| $5,000.00 |
Prosper Rating:
| E |
Listing Duration:
| 14 days
|
Minimum Amount to Fund:
| $3,500 |
Estimated loss*:
| 14.20% | | |
Term:
| 36 months | | | | |
|
Lender yield:
| 31.20% |
Borrower rate/APR:
| 32.20% / 35.86% |
Monthly payment:
| $218.33 |
|
Lender servicing fee:
| 1.00% |
Effective Yield*:
| 29.77% | | |
| |
Estimated return*:
| 15.57% | | |
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own 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-1998 |
Debt/Income ratio:
| 14% |
Credit score:
| 680-699 (Dec-2010) |
Inquiries last 6m:
| 3 | Employment status: | Employed |
Now delinquent:
| 1 |
Current / open credit lines:
| 11
/
10 | Length of status: | 9y 1m |
Amount delinquent:
| $0 |
Total credit lines:
| 22 |
Occupation: | Professional |
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $1,605 | Stated income: | $75,000-$99,999 |
Delinquencies in last 7y:
| 29 |
Bankcard utilization:
| 40% | | |
| |
Homeownership:
| Yes | | |
Screen name:
| adamsub |
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
Help us celebrate our marriage!
Purpose of loan:
This loan will be used for wedding costs.? We are funding our own wedding and could pay for everything up front, but it would be a large drain on our savings.? We would loike to partially fund our celebration.
My financial situation:
I am a good candidate for this loan because I have a high paying, stable?career and have very little debt.? I have had issues with my credit in the past when I was young and didn't realize the impact of a good credit score, but I have resolved all issues and have been consistently improving my score every month for the past few years.
Monthly net income: $ 5800
Monthly expenses: $
??Housing: $ 1600
??Insurance: $ 200
??Car expenses: $ 270?
??Utilities: $?150
??Phone, cable, internet: $ 200
??Food, entertainment: $ 400
??Clothing, household expenses $ 200
??Credit cards and other loans: $?150
??Other expenses: $
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
488964
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount:
| $13,000.00 |
Prosper Rating:
| B |
Listing Duration:
| 14 days
|
Minimum Amount to Fund:
| $9,100 |
Estimated loss*:
| 5.95% | | |
Term:
| 60 months | | | | |
|
Lender yield:
| 16.90% |
Borrower rate/APR:
| 17.90% / 19.33% |
Monthly payment:
| $329.41 |
|
Lender servicing fee:
| 1.00% |
Effective Yield*:
| 16.61% | | |
| |
Estimated return*:
| 10.66% | | |
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own 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-1996 |
Debt/Income ratio:
| 28% |
Credit score:
| 760-779 (Dec-2010) |
Inquiries last 6m:
| 0 | Employment status: | Employed |
Now delinquent:
| 0 |
Current / open credit lines:
| 11
/
9 | Length of status: | 10y 8m |
Amount delinquent:
| $0 |
Total credit lines:
| 22 |
Occupation: | Executive |
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $12,393 | Stated income: | $50,000-$74,999 |
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 39% | | |
| |
Homeownership:
| Yes | | |
Screen name:
| AK_Organized |
Borrower's state:
| Alaska |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Description
Paying off credit card forever!
Purpose of loan:
This loan will be used to pay off my credit card for good.
My financial situation: is a single mother working full time. Head of household.
I am a good candidate for this loan because I have stable employment and want to pay off my credit cards. I am 37 in an executive job position.
Monthly net income: $ 2,800.00
Monthly expenses: $
??Housing: $800.00
??Insurance: $120.00
??Car expenses: $450
??Utilities: $250
??Phone, cable, internet: $190
??Food, entertainment: $300
??Clothing, household expenses $
??Credit cards and other loans: $212 but will be paid off with this loan
??Other expenses: $
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
488994
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount:
| $7,500.00 |
Prosper Rating:
| D |
Listing Duration:
| 14 days
|
Minimum Amount to Fund:
| $5,250 |
Estimated loss*:
| 10.80% | | |
Term:
| 36 months | | | | |
|
Lender yield:
| 28.50% |
Borrower rate/APR:
| 29.50% / 33.10% |
Monthly payment:
| $316.34 |
|
Lender servicing fee:
| 1.00% |
Effective Yield*:
| 27.78% | | |
| |
Estimated return*:
| 16.98% | | |
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own 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-1997 |
Debt/Income ratio:
| 49% |
Credit score:
| 720-739 (Dec-2010) |
Inquiries last 6m:
| 0 | Employment status: | Employed |
Now delinquent:
| 0 |
Current / open credit lines:
| 14
/
13 | Length of status: | 4y 9m |
Amount delinquent:
| $0 |
Total credit lines:
| 46 |
Occupation: | Nurse (RN) |
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $23,752 | Stated income: | $50,000-$74,999 |
Delinquencies in last 7y:
| 3 |
Bankcard utilization:
| 64% | | |
| |
Homeownership:
| No | | |
Screen name:
| kyunggido |
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
new again
Purpose of loan:
This loan will be used to pay off several small loans/consolidate payments
My financial situation:
I am a good candidate for this loan because I work in a field that is experiencing a SHORTAGE of workers (nursing; and I turn down several requests for interviews a month!).? I work full time in a job I absolutely love, for a stable company, for a (reasonably) long time.? When you add up the numbers, it looks like there is nothing left over- it comes mighty close (!), but some of the expenses I have taken on are temporary, and consolidating will eliminate a few of these payments and give me much needed "breathing room"!?
Monthly net income: $
3960
Monthly expenses: $
3200- this includes health insurance ($800/month), my daughter's student loan ($700/month), my son's student loan ($250/month), and a mortgage ($300/month).? The rest is a combination of small loans, credit cards, utilities, TV/computer/phone.? The loans and credit card debt are the result of helping my children out financially during financial emergencies (see below).
??Housing: $
300
??Insurance: $
800 for health; $1500 every six months for my car and my husband's car + $335 for life insurance
??Car expenses: $
60 (gas); $150 (loan)
??Utilities: $
150 (avg. winter expenses- much less other seasons, about $50)
??Phone, cable, internet: $
200
??Food, entertainment: $
50 or less
??Clothing, household expenses $ 50 or less
??Credit cards and other loans: $
500
??Other expenses: $
950 (combined student loans)
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
489000
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount:
| $6,000.00 |
Prosper Rating:
| D |
Listing Duration:
| 14 days
|
Minimum Amount to Fund:
| $4,200 |
Estimated loss*:
| 10.80% | | |
Term:
| 36 months | | | | |
|
Lender yield:
| 28.50% |
Borrower rate/APR:
| 29.50% / 33.10% |
Monthly payment:
| $253.07 |
|
Lender servicing fee:
| 1.00% |
Effective Yield*:
| 27.78% | | |
| |
Estimated return*:
| 16.98% | | |
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10):
| 5 |
First credit line:
| Jul-1996 |
Debt/Income ratio:
| 41% |
Credit score:
| 760-779 (Dec-2010) |
Inquiries last 6m:
| 0 | Employment status: | Employed |
Now delinquent:
| 0 |
Current / open credit lines:
| 11
/
11 | Length of status: | 4y 0m |
Amount delinquent:
| $0 |
Total credit lines:
| 22 |
Occupation: | Teacher |
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $73,221 | Stated income: | $50,000-$74,999 |
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 90% | | |
| |
Homeownership:
| Yes | | |
Screen name:
| orange-understanding-interest |
Borrower's state:
| Florida |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Description
pay off bills
Purpose of loan:
This loan will be used to?
My financial situation:
I am a good candidate for this loan because?
Monthly net income: $
Monthly expenses: $
??Housing: $
??Insurance: $
??Car expenses: $
??Utilities: $
??Phone, cable, internet: $
??Food, entertainment: $
??Clothing, household expenses $
??Credit cards and other loans: $
??Other expenses: $
Information in the Description is not verified.