Listing Report:Supplement No. 20 dated Jan 04, 2011 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
488942
The following information pertains to the borrower loan being requested, that corresponds to the series 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:
| $8,221.00 |
Prosper Rating:
| B |
Listing Duration:
| 14 days
|
|
Minimum Amount to Fund:
| $5,754.70 |
Estimated loss*:
| 5.95% | | |
|
Term:
| 36 months | | | | |
|
|
Lender yield:
| 13.90% |
Borrower rate/APR:
| 14.90% / 17.07% |
Monthly payment:
| $284.58 |
| |
|
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:
| May-1996 |
Debt/Income ratio:
| 26% |
|
Credit score:
| 780-799 (Dec-2010) |
Inquiries last 6m:
| 1 | Employment status: | Employed |
|
Now delinquent:
| 0 |
Current / open credit lines:
| 20
/
19 | Length of status: | 3y 7m |
|
Amount delinquent:
| $0 |
Total credit lines:
| 43 |
Occupation: | Computer Programmer |
|
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $34,831 | Stated income: | $75,000-$99,999 |
|
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 34% | | |
| | |
Homeownership:
| Yes | | |
|
Screen name:
| richardsonheights |
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 High Interest Cards
This Loan:This loan will be used to consolidate our credit cards with bad interest rates (>17%). Over the last month, I've attempted negotiations with the individual credit card companies, but they will not help us since we continue paying our bills on time. Funny how that works.
Background:My wife recently graduated with two degrees after switching to be a full time student for the three years prior to 2010. Despite my income as a software engineer, we still had to use credit card to cover some expenses, including some tuition toward the end. She got a great job in April 2010 as a project administrator for a retail marketing services firm. With this extra financial breathing room, we are now attempting to more aggressively consolidate and pay off our remaining debt.
Our Financial Situation:
Monthly combined income (after taxes, health insurance, ESPP, and 401k): $7180
Monthly expenses: $5869
??Housing: $1857
??Car expenses: $850
??Utilities: $250
??Phone, cable, internet: $270
??Food, entertainment: $500
??Clothing, household expenses $100
??Credit cards and other loans: $759
??Student loan payments: $1283
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
489654
The following information pertains to the borrower loan being requested, that corresponds to the series 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*:
| 9.80% | | |
|
Term:
| 36 months | | | | |
|
|
Lender yield:
| 26.75% |
Borrower rate/APR:
| 27.75% / 31.31% |
Monthly payment:
| $309.21 |
| |
|
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):
| 5 |
First credit line:
| Dec-1996 |
Debt/Income ratio:
| 28% |
|
Credit score:
| 760-779 (Jan-2011) |
Inquiries last 6m:
| 0 | Employment status: | Employed |
|
Now delinquent:
| 0 |
Current / open credit lines:
| 10
/
9 | Length of status: | 1y 0m |
|
Amount delinquent:
| $0 |
Total credit lines:
| 17 |
Occupation: | Construction |
|
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $6,216 | Stated income: | $50,000-$74,999 |
|
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 74% | | |
| | |
Homeownership:
| Yes | | |
|
Screen name:
| rlafayette |
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:
| 45 ( 64% )
| 760-779 (Latest)
|
|
Principal borrowed:
| $20,000.00 | < 31 days late:
| 25
( 36% )
| 660-679
(Feb-2008)
660-679
(Mar-2007)
640-659
(Feb-2007)
|
|
Principal balance:
| $380.49 |
31+ days late:
| 0
( 0% )
|
|
Total payments billed:
| 70 | | |
Description
Credit Card Consolidation
Purpose of loan:
This loan will be used to consolidate our credit cards.
Credit Card Company????????????? Limit???????????? Balance?????? Minimum Due??????????? Usual Payment????? Interest Rate
Capital One? ?$?????????????????????? 300.00 ?$???????????? 47.42 ?$??????????????? 15.00 ?$?????????????????????????? 30.00???????? 18.75%
Capital One? ?$?????????????????????? 500.00 ?$?????????? 345.83 ?$??????????????? 15.00 ?$?????????????????????????? 30.00???????? ?17.90%
Capital One? ?$?????????????????????? 500.00 ?$?????????? 288.91 ?$??????????????? 15.00 ?$?????????????????????????? 45.00???????? ?22.90%
Aspire?????? ?????????????????????????????????n/a?? $???????? 1,226.53 ?$??????????????? 37.00 ?$?????????????????????????? 60.00????????? 29.75%
Household Bank ?$????????????? 2,600.00 ?$?????? ? 2,203.72 ?$??????????????? 85.00 ?$??????????????????????? 100.00?????????? 28.99%
Household Bank ?$??????????????1,700.00 ?$??????? ?1,358.56 ?$??????????????? 45.00 ?$?????????????????????????? 75.00????????? 17.90%
Walmart ?$???????????????????????????? 500.00 ?$?????????? ?376.70 ?$??????????????? 20.00 ?$?????????????????????????? 30.00????????? 22.90%
Home Depot ?$????????????????? ? 1,250.00 ?$????????? ? 977.76 ?$??????????????? 10.00 ?$??????????????????????? ?100.00?????????? 26.99%
TOTAL??????????????????????????????????????????????$??????????6,825.43??$????????????? 242.00??$???????????????????????? 470.00?????????????????
My financial situation:
I am a good candidate for this loan because I have already paid off a $15,000 loan last year and I have?a $5000 loan that wiil be paid off?in February of this year, two payments left.? I?was unemployed from January 27th 2009 until January of 2011 but kept up on my loans.?I had some late payment last year on my second loan because sometimes my unemployment checks didn't arrive in time to get payment out on time.? Payments were all made as soon as the check came in.? My wifes daycare help us through the hardest time with no problem and that was only because of the looan that Prosper gave us before to regain our finances and improve our credit score.?
Monthly net income: $?????? 9200.00
Monthly expenses: $?????????????????????????
??Housing: $???????????????????????????????????? 2300.00
??Insurance: $????????????????????????????????????638.00?
??Car expenses: $??????????????????????????????524.00???
??Utilities: $?????????????????????????????????????? 535.00???
??Phone, cable, internet: $????????????????? 180.00
??Food, entertainment: $???????????????????? 500.00?
??Clothing, household expenses $???????200.00
??Credit cards and other loans: $???????? 670.00?
??Other expenses: $
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
489718
The following information pertains to the borrower loan being requested, that corresponds to the series 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:
| B |
Listing Duration:
| 14 days
|
|
Minimum Amount to Fund:
| $4,900 |
Estimated loss*:
| 5.95% | | |
|
Term:
| 36 months | | | | |
|
|
Lender yield:
| 13.90% |
Borrower rate/APR:
| 14.90% / 17.07% |
Monthly payment:
| $242.31 |
| |
|
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:
| Dec-1987 |
Debt/Income ratio:
| 14% |
|
Credit score:
| 720-739 (Jan-2011) |
Inquiries last 6m:
| 0 | Employment status: | Employed |
|
Now delinquent:
| 0 |
Current / open credit lines:
| 13
/
12 | Length of status: | 2y 6m |
|
Amount delinquent:
| $0 |
Total credit lines:
| 30 |
Occupation: | Professional |
|
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $12,439 | Stated income: | $25,000-$49,999 |
|
Delinquencies in last 7y:
| 1 |
Bankcard utilization:
| 65% | | |
| | |
Homeownership:
| Yes | | |
|
Screen name:
| wonderful-camaraderi5 |
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
Loan consolidation
Purpose of loan:
This loan will be used to? consolidate high-interest credit cards
My financial situation:
I am a good candidate for this loan because? I have been steadily employed in my field of expertise for over 15 years
Monthly net income: $ Household income of $8,000 a month
Monthly expenses: $
??Housing: $ 1,125
??Insurance: $ 100
??Car expenses: $ 200
??Utilities: $ 200
??Phone, cable, internet: $ 100
??Food, entertainment: $ 200
??Clothing, household expenses $ 200
??Credit cards and other loans: $ 400
??Other expenses: $
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
489730
The following information pertains to the borrower loan being requested, that corresponds to the series 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*:
| 10.80% | | |
|
Term:
| 36 months | | | | |
|
|
Lender yield:
| 28.50% |
Borrower rate/APR:
| 29.50% / 33.10% |
Monthly payment:
| $84.36 |
| |
|
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:
| Dec-2000 |
Debt/Income ratio:
| 38% |
|
Credit score:
| 700-719 (Jan-2011) |
Inquiries last 6m:
| 0 | Employment status: | Employed |
|
Now delinquent:
| 0 |
Current / open credit lines:
| 8
/
8 | Length of status: | 8y 10m |
|
Amount delinquent:
| $0 |
Total credit lines:
| 18 |
Occupation: | Military Enlisted |
|
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $22,086 | Stated income: | $25,000-$49,999 |
|
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 60% | | |
| | |
Homeownership:
| No | | |
|
Screen name:
| onator0 |
Borrower's state:
| NewMexico |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Description
New Computer
Purpose of loan:
This loan will be used to upgrade my home computer
My financial situation:
I am a good candidate for this loan because I have been a member of the U.S. Air Force for over 8 years, and i am very reliable.
Monthly net income: $ 3086.00
Monthly expenses: $
??Housing: $ 0 (Base Housing)
??Insurance: $ 75/month
??Car expenses: $ 408/month
??Utilities: $ 0 (Base Housing)
??Phone, cable, internet: $ 188/month?
??Food, entertainment: $ 600/month
??Clothing, household expenses $ 100/month
??Credit cards and other loans: $ 730/month
??Other expenses: $ none
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
489736
The following information pertains to the borrower loan being requested, that corresponds to the series 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):
| 6 |
First credit line:
| Jul-1992 |
Debt/Income ratio:
| 18% |
|
Credit score:
| 660-679 (Jan-2011) |
Inquiries last 6m:
| 2 | Employment status: | Employed |
|
Now delinquent:
| 0 |
Current / open credit lines:
| 10
/
8 | Length of status: | 2y 11m |
|
Amount delinquent:
| $0 |
Total credit lines:
| 18 |
Occupation: | Professional |
|
Public records last 12m / 10y:
| 0/ 1 |
Revolving credit balance:
| $5,548 | Stated income: | $75,000-$99,999 |
|
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 74% | | |
| | |
Homeownership:
| Yes | | |
|
Screen name:
| rate-blossom9 |
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 credit card
Purpose of loan:
This loan will be used to? Pay off credit card
My financial situation:
I am a good candidate for this loan because? i am expecting a tax refund and will be in a better situation financially at that time
Monthly net income: $ 4337.00
Monthly expenses: $
??Housing: $ 1600.00
??Insurance: $ 159.00
??Car expenses: $ 375.00? gas is paid by employer
??Utilities: $ 250.00
??Phone, cable, internet: $ paid by employer
??Food, entertainment: $ 300.00
??Clothing, household expenses $ 150.00
??Credit cards and other loans: $ 750.00
??Other expenses: $ 100.00
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
489754
The following information pertains to the borrower loan being requested, that corresponds to the series 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:
| D |
Listing Duration:
| 14 days
|
|
Minimum Amount to Fund:
| $4,900 |
Estimated loss*:
| 10.80% | | |
|
Term:
| 36 months | | | | |
|
|
Lender yield:
| 28.50% |
Borrower rate/APR:
| 29.50% / 33.10% |
Monthly payment:
| $295.25 |
| |
|
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):
| 8 |
First credit line:
| Jul-1995 |
Debt/Income ratio:
| 9% |
|
Credit score:
| 660-679 (Jan-2011) |
Inquiries last 6m:
| 1 | Employment status: | Employed |
|
Now delinquent:
| 0 |
Current / open credit lines:
| 4
/
4 | Length of status: | 2y 10m |
|
Amount delinquent:
| $0 |
Total credit lines:
| 22 |
Occupation: | Other |
|
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $24,818 | Stated income: | $100,000+ |
|
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 98% | | |
| | |
Homeownership:
| No | | |
|
Screen name:
| awe-inspiring-marketplace0 |
Borrower's state:
| NewYork |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Description
Paying off Credit Card/Liquidity
Purpose of loan:
This loan will be used to refinance one of my credit cards and also provide a bridge of liquidity until I receive my bonus in late February or early March of this year.? My net bonus will be enough to pay off the rest of my revolving debt (I expect a $65k-80k bonus), so my cash flow will improve dramatically in less than 60 days.?
My financial situation:
I am a good candidate for this loan because I always pay my debts on time, my credit score is lower than it has historically been because of my relatively high revolving balances.? This fact will change very soon?as explained in "Purpose of Loan" section above due to a relatively large bonus payment.? I have very strong income and have been in the same industry for over 10 years.? I do not have a car payment or insurance and my existence is relatively modest.? The reason my CC debt has built up is because I had been assisting my fiance with her college tuition, but?she is now finished with school so I would like to begin consolidating my debts.? I know longer have any financial liability relative to my fiance or her school as she now has a good job after graduating school.? This loan will very likely be paid off early in conjunction with a bonus payment.
Monthly net income: $ 6,500.00
Monthly expenses: $ 4,050.00
??Housing: $ 1,600
??Insurance: $ N/A
??Car expenses: $ N/A (live in a?America's biggest city and walk to work).
??Utilities: $?50 (pay only electric, heat included in rent).
??Phone, cable, internet: $ 100
??Food, entertainment: $ 500
??Credit cards and other loans: $1,500 (including this payment)
??Other expenses: $ 300 (misc.)
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
489788
The following information pertains to the borrower loan being requested, that corresponds to the series 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:
| Nov-1998 |
Debt/Income ratio:
| 10% |
|
Credit score:
| 720-739 (Jan-2011) |
Inquiries last 6m:
| 0 | Employment status: | Employed |
|
Now delinquent:
| 0 |
Current / open credit lines:
| 6
/
5 | Length of status: | 0y 6m |
|
Amount delinquent:
| $0 |
Total credit lines:
| 22 |
Occupation: | Accountant/CPA |
|
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $11,393 | Stated income: | $100,000+ |
|
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 59% | | |
| | |
Homeownership:
| No | | |
|
Screen name:
| coup173 |
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
Pay off high rate cards
Purpose of loan:
This loan will be used to pay off high rate cards.
My financial situation:
I am a good candidate for this loan because I make good money, I always pay my bills on time, and I have a good debt-to-income ratio.? Also, I have been?a lender on prosper for?the past 12 months or so.? I want to be on the other (borrower) side of the community too.
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
489794
The following information pertains to the borrower loan being requested, that corresponds to the series 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:
| $15,000 |
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:
| Mar-1994 |
Debt/Income ratio:
| 10% |
|
Credit score:
| 800-819 (Jan-2011) |
Inquiries last 6m:
| 1 | Employment status: | Employed |
|
Now delinquent:
| 0 |
Current / open credit lines:
| 15
/
10 | Length of status: | 1y 6m |
|
Amount delinquent:
| $0 |
Total credit lines:
| 38 |
Occupation: | Sales - Commission |
|
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $5,896 | Stated income: | $100,000+ |
|
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 22% | | |
| | |
Homeownership:
| Yes | | |
|
Screen name:
| market-bugle |
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
pay off a credit card at lower rate
Purpose of loan:
This loan will be used to?
To pay off a Wells Fargo account and get a lower rate.
My financial situation:
I am a good candidate for this loan because? Stable employment with a good track record. Own my home and have a spouse that works as well. My credit score is 720 and I take pride in that.
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
489800
The following information pertains to the borrower loan being requested, that corresponds to the series 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):
| 7 |
First credit line:
| Sep-2004 |
Debt/Income ratio:
| 16% |
|
Credit score:
| 660-679 (Jan-2011) |
Inquiries last 6m:
| 2 | Employment status: | Employed |
|
Now delinquent:
| 0 |
Current / open credit lines:
| 3
/
3 | Length of status: | 2y 4m |
|
Amount delinquent:
| $0 |
Total credit lines:
| 8 |
Occupation: | Military Enlisted |
|
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $1,768 | Stated income: | $25,000-$49,999 |
|
Delinquencies in last 7y:
| 1 |
Bankcard utilization:
| 44% | | |
| | |
Homeownership:
| No | | |
|
Screen name:
| whomper8 |
Borrower's state:
| California |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Description
New car for wife
Purpose of loan:
This loan will be used to purchase a new car for my wife. She currently drives a high mileage 94 audi that was handed down from her parents. We have a daughter and she has to commute to and from work and i want a safe car for my family.
My financial situation:
I am a good candidate for this loan because i have always been responsible with my money. Its just hard to get ahead a lot on enlisted military pay so which is why i am searching for a loan to help us out.
Monthly net income: $
3000
Monthly expenses: $
??Housing: $
1325
??Insurance: $
75
??Car expenses: $
100
??Utilities: $
100
??Phone, cable, internet: $
100
??Food, entertainment: $
250
??Clothing, household expenses $
0
??Credit cards and other loans: $
0
??Other expenses: $
100-200
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
489687
The following information pertains to the borrower loan being requested, that corresponds to the series 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:
| Apr-1990 |
Debt/Income ratio:
| 41% |
|
Credit score:
| 740-759 (Jan-2011) |
Inquiries last 6m:
| 1 | Employment status: | Employed |
|
Now delinquent:
| 1 |
Current / open credit lines:
| 12
/
12 | Length of status: | 2y 9m |
|
Amount delinquent:
| $14,045 |
Total credit lines:
| 38 |
Occupation: | Clerical |
|
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $5,252 | Stated income: | $1-$24,999 |
|
Delinquencies in last 7y:
| 9 |
Bankcard utilization:
| 64% | | |
| | |
Homeownership:
| Yes | | |
|
Screen name:
| wealth-melody |
Borrower's state:
| Minnesota |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Description
debt consolidation
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
489709
The following information pertains to the borrower loan being requested, that corresponds to the series 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:
| $5,500.00 |
Prosper Rating:
| AA |
Listing Duration:
| 14 days
|
|
Minimum Amount to Fund:
| $5,500 |
Estimated loss*:
| 1.55% | | |
|
Term:
| 36 months | | | | |
|
|
Lender yield:
| 7.00% |
Borrower rate/APR:
| 8.00% / 8.34% |
Monthly payment:
| $172.35 |
| |
|
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:
| Oct-1996 |
Debt/Income ratio:
| 8% |
|
Credit score:
| 820-839 (Jan-2011) |
Inquiries last 6m:
| 0 | Employment status: | Employed |
|
Now delinquent:
| 0 |
Current / open credit lines:
| 13
/
13 | Length of status: | 1y 7m |
|
Amount delinquent:
| $0 |
Total credit lines:
| 28 |
Occupation: | Accountant/CPA |
|
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $8,174 | Stated income: | $50,000-$74,999 |
|
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 31% | | |
| | |
Homeownership:
| Yes | | |
|
Screen name:
| jbadawg1017 |
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
GEtting Rid of Credit Cards
Purpose of loan:
This loan will be used to? finally get rid of my credit cards.
My financial situation:
I am a good candidate for this loan because? I have been focused on paying off my credit cards ever since the banks upped my rates from 7-9% to 15-20% a couple of years back.? Now I am fed up with never being able to get ahead and want this loan to lock in a much lower rate and payment.? This lower payment will free up my cash flow considerably and will allow me to finally save money and live strictly on the the money I earn instead of falling back on credit cards when a large expense pops up.
Here are some other things you should know.? My wife an I own two homes.? I pay the utilities for our principal residence and my wife pays the mortgage for that property.? We have a second home that we are renting now.? When my wife completed her PhD in 2008 we moved to pursue better job opportunities in a larger city, our home did not sell and now we rent that property.? I receive the rent and pay the mortgage for that property each month which nets a loss of $300.? I ahve not included my wifes income or expenses in this listing.? The loan from my parents was used to cover the cost of a new furnace and AC unit our home needed and to consolidate some other credit cards that racked up during college.? This loan has 12 payments remaining as of January 2011.
Gross Income:???????????????4000 (net of taxes and retirement)
Transfer to Savings???????? (200)
Credit Card Pmts???????????(975)
Loan from Parents????????(1100)
Cell Phone????????????????????(135)
Utilities???????????????????????? (350)
Store Cards?????????????????? (415)?(interest only balances - will be paid within next 12 months)
Life Insurance????????????????? (40)
Student Loan???????????????? (100) (getting MBA, making monthly pmts to keep interest down)
Rental Property??????????????(300)
Net for Food/Auto/Misc????385
As the 0% interest store cards and the loan from my parents get paid over the next 12 months I should be able to increase my monthly payments on this loan to pay it off quicker.? Please let me know if you have any questions.
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
489715
The following information pertains to the borrower loan being requested, that corresponds to the series 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:
| $4,900 |
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:
| May-1998 |
Debt/Income ratio:
| 9% |
|
Credit score:
| 680-699 (Jan-2011) |
Inquiries last 6m:
| 5 | Employment status: | Employed |
|
Now delinquent:
| 0 |
Current / open credit lines:
| 3
/
3 | Length of status: | 11y 8m |
|
Amount delinquent:
| $0 |
Total credit lines:
| 12 |
Occupation: | Professional |
|
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $4,246 | Stated income: | $50,000-$74,999 |
|
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 63% | | |
| | |
Homeownership:
| Yes | | |
|
Screen name:
| focused-auction |
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
Car repairs and paying off bills
Purpose of loan:
This loan will be used to repair two cars and pay off some of my bills.
My financial situation:
I am a good candidate for this loan because I?work hard and will pay the loan as promised.?
Monthly net income: $3,400 - $4,000
Monthly expenses: $2,270
??Housing: $ 2,000
??Insurance: $
??Car expenses: $
??Utilities: $ 75
??Phone, cable, internet: $ 45
??Food, entertainment: $?150
??Clothing, household expenses $
??Credit cards and other loans: $
??Other expenses: $
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
489759
The following information pertains to the borrower loan being requested, that corresponds to the series 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:
| D |
Listing Duration:
| 14 days
|
|
Minimum Amount to Fund:
| $4,900 |
Estimated loss*:
| 10.80% | | |
|
Term:
| 36 months | | | | |
|
|
Lender yield:
| 28.50% |
Borrower rate/APR:
| 29.50% / 33.10% |
Monthly payment:
| $295.25 |
| |
|
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):
| 8 |
First credit line:
| Oct-2004 |
Debt/Income ratio:
| 34% |
|
Credit score:
| 640-659 (Jan-2011) |
Inquiries last 6m:
| 0 | Employment status: | Employed |
|
Now delinquent:
| 0 |
Current / open credit lines:
| 6
/
6 | Length of status: | 6y 5m |
|
Amount delinquent:
| $0 |
Total credit lines:
| 11 |
Occupation: | Military Enlisted |
|
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $13,493 | Stated income: | $25,000-$49,999 |
|
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 38% | | |
| | |
Homeownership:
| No | | |
|
Screen name:
| worth-spy2 |
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
Consolidating Bills and Vehicle Rep
Purpose of loan:
This loan will be used to pay off some bills that have higher interest rates and get my only vehicle repaired.
My financial situation:
I am a good candidate for this loan because I am a very responsible person that has just fell on hard times.? I am able to make the 300/monthly payments because I have a steady job?
Monthly net income: $ 1600
Monthly expenses: $
??Housing: $ 850.00
??Insurance: $ 79.00
??Car expenses: $ 100.00
??Utilities: $ 140.00
??Phone, cable, internet: $ 120.00
??Food, entertainment: $ 25.00
??Clothing, household expenses $ 25.00
??Credit cards and other loans: $ 850
??Other expenses: $
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
489769
The following information pertains to the borrower loan being requested, that corresponds to the series 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:
| E |
Listing Duration:
| 14 days
|
|
Minimum Amount to Fund:
| $2,500 |
Estimated loss*:
| 14.20% | | |
|
Term:
| 36 months | | | | |
|
|
Lender yield:
| 31.20% |
Borrower rate/APR:
| 32.20% / 35.86% |
Monthly payment:
| $109.16 |
| |
|
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):
| 6 |
First credit line:
| Feb-1966 |
Debt/Income ratio:
| 24% |
|
Credit score:
| 680-699 (Jan-2011) |
Inquiries last 6m:
| 0 | Employment status: | Employed |
|
Now delinquent:
| 1 |
Current / open credit lines:
| 15
/
10 | Length of status: | 29y 2m |
|
Amount delinquent:
| $78 |
Total credit lines:
| 46 |
Occupation: | Clerical |
|
Public records last 12m / 10y:
| 0/ 1 |
Revolving credit balance:
| $12,256 | Stated income: | $25,000-$49,999 |
|
Delinquencies in last 7y:
| 25 |
Bankcard utilization:
| 53% | | |
| | |
Homeownership:
| No | | |
|
Screen name:
| maym |
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
hopeful
Purpose of loan:
This loan will be used to? debt consoliudation
My financial situation:
I am a good candidate for this loan because? bills are current but want to pay off several
Monthly net income: $ 1616.00
Monthly expenses: $ 1200.00
??Housing: $ 0 no mortgage
??Insurance: $ 75.00
??Car expenses: $ 125.00
??Utilities: $ 200.00 flexiable
??Phone, cable, internet: $ 200.00 approx
??Food, entertainment: $food 250.00
??Clothing, household expenses $ 100.00
??Credit cards and other loans: $ 600.00
??Other expenses: $ 100.00
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
489773
The following information pertains to the borrower loan being requested, that corresponds to the series 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-2007 |
Debt/Income ratio:
| 12% |
|
Credit score:
| 700-719 (Jan-2011) |
Inquiries last 6m:
| 3 | Employment status: | Employed |
|
Now delinquent:
| 0 |
Current / open credit lines:
| 5
/
5 | Length of status: | 3y 5m |
|
Amount delinquent:
| $0 |
Total credit lines:
| 6 |
Occupation: | Other |
|
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $1,039 | Stated income: | $50,000-$74,999 |
|
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 21% | | |
| | |
Homeownership:
| No | | |
|
Screen name:
| durability-rocket |
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
Buying a car for our family
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.