Listing Report:Supplement No. 64 dated Feb 16, 2011 to Prospectus dated Jan 12, 2011File 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 Jan 12, 2011 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 Jan 12, 2011 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
493752
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:
| $5,000 |
Estimated loss*:
| 10.80% | | |
|
Term:
| 36 months | | | | |
|
|
Lender yield:
| 25.99% |
Borrower rate/APR:
| 26.99% / 30.53% |
Monthly payment:
| $204.10 |
| |
|
Lender servicing fee:
| 1.00% |
Effective Yield*:
| 25.34% | | |
| |
Estimated return*:
| 14.54% | | |
* 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:
| Oct-1995 |
Debt/Income ratio:
| 28% |
|
Credit score:
| 740-759 (Feb-2011) |
Inquiries last 6m:
| 0 | Employment status: | Employed |
|
Now delinquent:
| 0 |
Current / open credit lines:
| 5
/
5 | Length of status: | 21y 6m |
|
Amount delinquent:
| $0 |
Total credit lines:
| 21 |
Occupation: | Nurse (RN) |
|
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $54,480 | Stated income: | $75,000-$99,999 |
|
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 95% | | |
| | |
Homeownership:
| Yes | | |
|
Screen name:
| diplomatic-euro5 |
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
borrowing 5,000.00 dollars personal
Purpose of loan:
This loan will be used to?repair of auto
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
493828
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:
| $5,200.00 |
Prosper Rating:
| A |
Listing Duration:
| 14 days
|
|
Minimum Amount to Fund:
| $5,200 |
Estimated loss*:
| 3.50% | | |
|
Term:
| 36 months | | | | |
|
|
Lender yield:
| 8.55% |
Borrower rate/APR:
| 9.55% / 11.65% |
Monthly payment:
| $166.69 |
| |
|
Lender servicing fee:
| 1.00% |
Effective Yield*:
| 8.53% | | |
| |
Estimated return*:
| 5.03% | | |
* 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:
| Apr-1994 |
Debt/Income ratio:
| 10% |
|
Credit score:
| 780-799 (Feb-2011) |
Inquiries last 6m:
| 0 | Employment status: | Employed |
|
Now delinquent:
| 0 |
Current / open credit lines:
| 4
/
4 | Length of status: | 6y 1m |
|
Amount delinquent:
| $0 |
Total credit lines:
| 8 |
Occupation: | Religious |
|
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $417 | Stated income: | $25,000-$49,999 |
|
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 3% | | |
| | |
Homeownership:
| No | | |
|
Screen name:
| beyond17 |
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
School Financing
Purpose of loan:
This loan will be used to further my professional training that I need as a minister and pastoral counselor.
My financial situation:
I am a good candidate for this loan because - well, what can I say? I'm honest and I am very fiscally responsible. I have no delinquencies. My rating speaks for itself. Actually, I have the investments to pay for this without borrowing, but I prefer to not have to liquidate some of them in order to do this.
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
493836
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*:
| 14.70% | | |
|
Term:
| 36 months | | | | |
|
|
Lender yield:
| 30.99% |
Borrower rate/APR:
| 31.99% / 35.64% |
Monthly payment:
| $174.20 |
| |
|
Lender servicing fee:
| 1.00% |
Effective Yield*:
| 29.57% | | |
| |
Estimated return*:
| 14.87% | | |
* 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:
| Mar-1993 |
Debt/Income ratio:
| Not calculated |
|
Credit score:
| 620-639 (Feb-2011) |
Inquiries last 6m:
| 0 | Employment status: | Employed |
|
Now delinquent:
| 0 |
Current / open credit lines:
| 2
/
2 | Length of status: | 0y 4m |
|
Amount delinquent:
| $0 |
Total credit lines:
| 9 |
Occupation: | Other |
|
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $1,542 | Stated income: | $1-$24,999 |
|
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 77% | | |
| | |
Homeownership:
| No | | |
|
Screen name:
| enterprising-value5 |
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 / 2 |
On-time:
| 9 ( 100% )
| 620-639 (Latest)
|
|
Principal borrowed:
| $2,000.00 | < 31 days late:
| 0
( 0% )
| 680-699
(Apr-2010)
660-679
(Feb-2010)
|
|
Principal balance:
| $0.00 |
31+ days late:
| 0
( 0% )
|
|
Total payments billed:
| 9 | | |
Description
Student Below Half-time - Tution
Purpose of loan:
This loan will be used to pay off my tuition. I'm a graduate student. My last class ends this month, but I have to pay to graduate. The funny thing is that once you are below half-time in school you don't qualify for Federal Student Aid. So, I dropped a class, but I still need to pay for my remaining class. I also have a few outstanding bills that I need to take care of like that $1,547 from this winter; best friend's wedding, etc.
My financial situation:
I am a good candidate for this loan because although they have me as not owning a home, I don't have rent or anything to pay. I'm staying with my parents until I?graduate this May?and get a better job. There's a huge demand for English and Business majors. I will be both.?I should be good to pay back the loan a little ahead of schedule, like my other Prosper loans, after I finish school and move into full-time instead of part-time employment.
Monthly net income: $ 991
Monthly expenses: $ 265
??Housing: $ 0
??Insurance: $ 0
??Car expenses: $ 120
??Utilities: $?0
??Phone, cable, internet: $ 0
??Food, entertainment: $ 40
??Clothing, household expenses $ 25
??Credit cards and other loans: $ 40
??Other expenses: $ 40
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
493842
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:
| C |
Listing Duration:
| 14 days
|
|
Minimum Amount to Fund:
| $5,250 |
Estimated loss*:
| 7.70% | | |
|
Term:
| 36 months | | | | |
|
|
Lender yield:
| 16.99% |
Borrower rate/APR:
| 17.99% / 21.34% |
Monthly payment:
| $271.11 |
| |
|
Lender servicing fee:
| 1.00% |
Effective Yield*:
| 16.60% | | |
| |
Estimated return*:
| 8.90% | | |
* 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-1993 |
Debt/Income ratio:
| 11% |
|
Credit score:
| 700-719 (Feb-2011) |
Inquiries last 6m:
| 1 | Employment status: | Employed |
|
Now delinquent:
| 0 |
Current / open credit lines:
| 4
/
4 | Length of status: | 1y 1m |
|
Amount delinquent:
| $0 |
Total credit lines:
| 43 |
Occupation: | Sales - Commission |
|
Public records last 12m / 10y:
| 0/ 1 |
Revolving credit balance:
| $7 | Stated income: | $75,000-$99,999 |
|
Delinquencies in last 7y:
| 42 |
Bankcard utilization:
| 1% | | |
| | |
Homeownership:
| No | | |
|
Screen name:
| ElAbel11 |
Borrower's state:
| California |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
| Loan history | Payment history | Credit score history |
|
Active / total loans:
| 0 / 2 |
On-time:
| 9 ( 100% )
| 700-719 (Latest)
|
|
Principal borrowed:
| $3,000.00 | < 31 days late:
| 0
( 0% )
| 660-679
(Apr-2010)
580-599
(Sep-2008)
|
|
Principal balance:
| $0.01 |
31+ days late:
| 0
( 0% )
|
|
Total payments billed:
| 9 | | |
Description
Car/Taxes/Continue Credit Rebuild!
Purpose of loan:
Car/Taxes/Continue Credit Rebuild!
This is my third loan!! First and foremost, I?d like to thank all the prosper members that have helped me and my family get a fresh start and helped rebuild my credit! So now, the first loan I paid off in only a few months as well as the second and?I will do the same?with this one. My estimate is to payoff completely by Nov/Dec this year. My income listed?is only mine but my wife brings in another $38.4K. We only spend my salary and save the rest. Living like we have one income...live and learn right? The most frequent question I get is, "why the 42 delinquencies"...this is due to a past BK and home lose due to a chain of events ( car accident and hospital bills that led to loss of business revenue from side business and then a recessionthat led to unemployed spouse for over a year). Start new and fresh! As you can see, my credit has skyrocketed thanks to the previous loans being repaid on time and early. Now this loan will be used for early state tax pay off but mostly to purchase a newer used vehicle (with the help of my current trade in) so I can have a more reliable car?not to mention to continue to build my credit!
By the way, I also have ~$2500 I've loaned to Prosper Members that currently brings in $90/month.
My financial situation:
We?are good candidates for this loan because?we have enough income to make this payment and still have enough of a cushion in case of emergencies. I work as a scientist sales consultant for one of the strongest companies in the (Top in San Diego?) in a very stable field and my wife is an Escrow Officer.
Monthly net income: $
$5360 myself (5360/2400, Myself/Spouse)
Monthly expenses: $?
mortgage 1600
car payment 407
phone 100
cable 125
insurance?80
food 600
sdge 100
student loan 110
gasoline 250
daycare 1000
water/sewage?120
total obligations per month $4492
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
493852
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:
| C |
Listing Duration:
| 14 days
|
|
Minimum Amount to Fund:
| $7,500 |
Estimated loss*:
| 8.70% | | |
|
Term:
| 36 months | | | | |
|
|
Lender yield:
| 18.99% |
Borrower rate/APR:
| 19.99% / 23.38% |
Monthly payment:
| $278.69 |
| |
|
Lender servicing fee:
| 1.00% |
Effective Yield*:
| 18.55% | | |
| |
Estimated return*:
| 9.85% | | |
* 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:
| Nov-1977 |
Debt/Income ratio:
| 13% |
|
Credit score:
| 680-699 (Feb-2011) |
Inquiries last 6m:
| 0 | Employment status: | Employed |
|
Now delinquent:
| 0 |
Current / open credit lines:
| 17
/
16 | Length of status: | 5y 4m |
|
Amount delinquent:
| $0 |
Total credit lines:
| 53 |
Occupation: | Attorney |
|
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $358,232 | Stated income: | $100,000+ |
|
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 98% | | |
| | |
Homeownership:
| Yes | | |
|
Screen name:
| commerce-magma |
Borrower's state:
| Illinois |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Description
Consolidation
Purpose of loan:
This loan will be used to?? Reduce balance on credit cards
My financial situation:
I am a good candidate for this loan because? I have had an excellant job history, have consistently earned a solid income, and have always paid my creditors.?
Monthly net income: $ 30,000
Monthly expenses: $?8000
??Housing: $ 2083.33
??Insurance: $ 503.84
??Car expenses: $ 656.79
??Utilities: $ 267
??Phone, cable, internet: $ 170
??Food, entertainment: $?400
??Clothing, household expenses $ 400
??Credit cards and other loans: $ 2800
??Other expenses: $ 0
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
493988
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:
| $15,000 |
Estimated loss*:
| 4.95% | | |
|
Term:
| 60 months | | | | |
|
|
Lender yield:
| 14.99% |
Borrower rate/APR:
| 15.99% / 17.39% |
Monthly payment:
| $364.69 |
| |
|
Lender servicing fee:
| 1.00% |
Effective Yield*:
| 14.73% | | |
| |
Estimated return*:
| 9.78% | | |
* 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:
| Aug-1995 |
Debt/Income ratio:
| 23% |
|
Credit score:
| 720-739 (Feb-2011) |
Inquiries last 6m:
| 1 | Employment status: | Employed |
|
Now delinquent:
| 0 |
Current / open credit lines:
| 13
/
13 | Length of status: | 11y 10m |
|
Amount delinquent:
| $0 |
Total credit lines:
| 47 |
Occupation: | Sales - Retail |
|
Public records last 12m / 10y:
| 0/ 1 |
Revolving credit balance:
| $9,575 | Stated income: | $50,000-$74,999 |
|
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 32% | | |
| | |
Homeownership:
| Yes | | |
|
Screen name:
| recorder8 |
Borrower's state:
| Florida |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
| Loan history | Payment history | Credit score history |
|
Active / total loans:
| 1 / 1 |
On-time:
| 7 ( 100% )
| 720-739 (Latest)
|
|
Principal borrowed:
| $4,000.00 | < 31 days late:
| 0
( 0% )
| 740-759
(Jul-2010)
|
|
Principal balance:
| $3,307.86 |
31+ days late:
| 0
( 0% )
|
|
Total payments billed:
| 7 | | |
Description
Pay off my house
The purpose of this loan is to pay off my house so I can own it.
Im a good candidate for this loan since I always pay my bills on time and have an excellent credit history.
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
494000
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:
| 25.99% |
Borrower rate/APR:
| 26.99% / 30.53% |
Monthly payment:
| $204.10 |
| |
|
Lender servicing fee:
| 1.00% |
Effective Yield*:
| 25.34% | | |
| |
Estimated return*:
| 14.54% | | |
* 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:
| May-1989 |
Debt/Income ratio:
| 22% |
|
Credit score:
| 700-719 (Feb-2011) |
Inquiries last 6m:
| 2 | Employment status: | Employed |
|
Now delinquent:
| 1 |
Current / open credit lines:
| 11
/
10 | Length of status: | 5y 2m |
|
Amount delinquent:
| $439 |
Total credit lines:
| 19 |
Occupation: | Executive |
|
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $6,417 | Stated income: | $75,000-$99,999 |
|
Delinquencies in last 7y:
| 1 |
Bankcard utilization:
| 8% | | |
| | |
Homeownership:
| Yes | | |
|
Screen name:
| peaceful-economy6 |
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
Selling home, need to make repairs
Purpose of loan:
Due to a pending divorce, I'm selling my home in order to reduce my monthly expenses. I already have a contract on the house but need to do some repairs prior to close. Can provide proof of contract if needed.
My financial situation:
I am a good candidate for this loan because I've been with the same company for 5 years as a General Manager, and previously with the same company (different name) for 10 years as a Director at the corporate level. I can afford the monthly payments on the proposed loan, but due to my pending divorce - which will be final in May with no alimony or child support payments since it's an uncontested divorce -? and the fact that I'm selling my home, I can't borrow against my home prior to closing, and just need a little help to get past the next few months.
Monthly net income: $
$2,600 without bonus. Bonus ranges from $1,500 - $2,500 a month depending on achievement. 2010 bonus averaged $2,000 per month. Can provide a copy of my 2010 W-2 for verification.
Monthly expenses: $
??Housing: $
2,050 currently - then dropping to $1,200 when the sale of the home closes.
??Insurance: $
85
??Car expenses: $
469
??Utilities: $
250
??Phone, cable, internet: $
150
??Food, entertainment: $
250
??Clothing, household expenses $
100
??Credit cards and other loans: $
300
??Other expenses: $
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
494024
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:
| 25.99% |
Borrower rate/APR:
| 26.99% / 30.53% |
Monthly payment:
| $285.74 |
| |
|
Lender servicing fee:
| 1.00% |
Effective Yield*:
| 25.34% | | |
| |
Estimated return*:
| 14.54% | | |
* 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:
| Oct-1991 |
Debt/Income ratio:
| 24% |
|
Credit score:
| 740-759 (Feb-2011) |
Inquiries last 6m:
| 0 | Employment status: | Employed |
|
Now delinquent:
| 1 |
Current / open credit lines:
| 2
/
2 | Length of status: | 2y 10m |
|
Amount delinquent:
| $1,529 |
Total credit lines:
| 39 |
Occupation: | Construction |
|
Public records last 12m / 10y:
| 0/ 1 |
Revolving credit balance:
| $500 | Stated income: | $75,000-$99,999 |
|
Delinquencies in last 7y:
| 14 |
Bankcard utilization:
| 13% | | |
| | |
Homeownership:
| No | | |
|
Screen name:
| merciful-fund6 |
Borrower's state:
| Michigan |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Description
Business
Purpose of loan:
This loan will be used for business purposes to purchase some needed tools.
My financial situation:
I am a good candidate for this loan because?the money I will make off this loan will give me the ability to?pay off the loan in full in a matter of weeks rather than years. I?have a new job opportunity with my business but need the start up capital in order?to succeed.?
Monthly net income: $ 5700
Monthly expenses: $ 2500
??Housing: $ 1000????
??Insurance: $ 200
??Car expenses: $ 700
??Utilities: $ 150
??Phone, cable, internet: $ 100?
??Food, entertainment: $?200
??Clothing, household expenses $ 100
??Credit cards and other loans: $ 50
??Other expenses: $
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
494030
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:
| C |
Listing Duration:
| 14 days
|
|
Minimum Amount to Fund:
| $5,250 |
Estimated loss*:
| 8.70% | | |
|
Term:
| 36 months | | | | |
|
|
Lender yield:
| 18.99% |
Borrower rate/APR:
| 19.99% / 23.38% |
Monthly payment:
| $278.69 |
| |
|
Lender servicing fee:
| 1.00% |
Effective Yield*:
| 18.55% | | |
| |
Estimated return*:
| 9.85% | | |
* 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:
| Nov-1992 |
Debt/Income ratio:
| 4% |
|
Credit score:
| 680-699 (Feb-2011) |
Inquiries last 6m:
| 3 | Employment status: | Employed |
|
Now delinquent:
| 0 |
Current / open credit lines:
| 5
/
5 | Length of status: | 0y 9m |
|
Amount delinquent:
| $0 |
Total credit lines:
| 17 |
Occupation: | Executive |
|
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $10,779 | Stated income: | $100,000+ |
|
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 74% | | |
| | |
Homeownership:
| No | | |
|
Screen name:
| appetizing-credit0 |
Borrower's state:
| NewJersey |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Description
DM Personal Loan
Purpose of loan:
This loan will be used to? take care of personal family emergency expenses.
My financial situation:
I am a good candidate for this loan because? i have a steady income from my job and also i am good in repayments.
Monthly net income: $ $8200
Monthly expenses: $
??Housing: $ 527.50
??Insurance: $ 77
??Car expenses: $700
??Utilities: $?40
??Phone, cable, internet: $ 150
??Food, entertainment: $ 100
??Clothing, household expenses $ 100
??Credit cards and other loans: $?500
??Other expenses: $ 100
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
494036
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:
| $4,500.00 |
Prosper Rating:
| D |
Listing Duration:
| 14 days
|
|
Minimum Amount to Fund:
| $3,150 |
Estimated loss*:
| 10.80% | | |
|
Term:
| 36 months | | | | |
|
|
Lender yield:
| 25.99% |
Borrower rate/APR:
| 26.99% / 30.53% |
Monthly payment:
| $183.69 |
| |
|
Lender servicing fee:
| 1.00% |
Effective Yield*:
| 25.34% | | |
| |
Estimated return*:
| 14.54% | | |
* 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:
| Mar-1987 |
Debt/Income ratio:
| 27% |
|
Credit score:
| 680-699 (Feb-2011) |
Inquiries last 6m:
| 1 | Employment status: | Employed |
|
Now delinquent:
| 0 |
Current / open credit lines:
| 13
/
11 | Length of status: | 27y 6m |
|
Amount delinquent:
| $0 |
Total credit lines:
| 25 |
Occupation: | Teacher |
|
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $12,506 | Stated income: | $50,000-$74,999 |
|
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 55% | | |
| | |
Homeownership:
| No | | |
|
Screen name:
| emphatic-repayment1 |
Borrower's state:
| Illinois |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Description
lbf17
Purpose of loan:
This loan will be used to? to pay off other bills.
My financial situation:
I am a good candidate for this loan because? I pay my bills on time and have a dependable job.
Monthly net income: $ 4,000
Monthly expenses: $ 2,437
??Housing: $ 500
??Insurance: $ 77
??Car expenses: $ 600
??Utilities: $ 100
??Phone, cable, internet: $ 60
??Food, entertainment: $ 250
??Clothing, household expenses $ 100
??Credit cards and other loans: $ 550
??Other expenses: $ 200
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
493831
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:
| 25.99% |
Borrower rate/APR:
| 26.99% / 30.53% |
Monthly payment:
| $204.10 |
| |
|
Lender servicing fee:
| 1.00% |
Effective Yield*:
| 25.34% | | |
| |
Estimated return*:
| 14.54% | | |
* 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:
| Aug-2006 |
Debt/Income ratio:
| 24% |
|
Credit score:
| 640-659 (Feb-2011) |
Inquiries last 6m:
| 0 | Employment status: | Employed |
|
Now delinquent:
| 0 |
Current / open credit lines:
| 7
/
6 | Length of status: | 3y 6m |
|
Amount delinquent:
| $0 |
Total credit lines:
| 7 |
Occupation: | Food Service Manage... |
|
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $1,019 | Stated income: | $1-$24,999 |
|
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 26% | | |
| | |
Homeownership:
| No | | |
|
Screen name:
| velocity-willow |
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
Debt Consolidation Loan
Purpose of loan:
This loan will be used to pay off all of my debt before I begin school in the fall. I would like to be able to consolidate all of my debt and only have to make one monthly payment. This would also give me a chance to put the majority of my income into savings for school.
My financial situation:
I am a good candidate for this loan because if I were to receive this loan, it would be my only financial obligation. I currently live rent free with?a relative and do not have to pay for any utilities or electric. ?I do not have a car payment or insurance payment. Food and other essentials are not a responsibility of mine. I have a decent monthly income and a fair credit score.
Monthly net income: $ 1000
Monthly expenses: $ 159.99
??Housing: $ 0????????
??Insurance: $ 0
??Car expenses: $ 0
??Utilities: $ 0
??Phone, cable, internet: $ 59.99
??Food, entertainment: $ 0
??Clothing, household expenses $ 0
??Credit cards and other loans: $ 100
??Other expenses: $ 0
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
493845
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:
| $3,500.00 |
Prosper Rating:
| D |
Listing Duration:
| 14 days
|
|
Minimum Amount to Fund:
| $2,450 |
Estimated loss*:
| 10.80% | | |
|
Term:
| 36 months | | | | |
|
|
Lender yield:
| 25.99% |
Borrower rate/APR:
| 26.99% / 30.53% |
Monthly payment:
| $142.87 |
| |
|
Lender servicing fee:
| 1.00% |
Effective Yield*:
| 25.34% | | |
| |
Estimated return*:
| 14.54% | | |
* 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:
| Apr-1997 |
Debt/Income ratio:
| Not calculated |
|
Credit score:
| 720-739 (Feb-2011) |
Inquiries last 6m:
| 0 | Employment status: | Employed |
|
Now delinquent:
| 0 |
Current / open credit lines:
| 22
/
21 | Length of status: | 6y 9m |
|
Amount delinquent:
| $0 |
Total credit lines:
| 23 |
Occupation: | Clerical |
|
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $12,536 | Stated income: | $25,000-$49,999 |
|
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 47% | | |
| | |
Homeownership:
| No | | |
|
Screen name:
| understanding-p2p4 |
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
Student Loan
Purpose of loan:
This loan will be used to help pay for my student loans.
My financial situation:
I am a good candidate for this loan because I have always paid loans on time. The amount of about $150 is very affordable.
Monthly net income: $ 3800.00
Monthly expenses: $ 3300.00
??Housing: $
900
??Insurance: $
0
??Car expenses: $0
??Utilities: $ 80
??Phone, cable, internet: $
20
??Food, entertainment: $
1600
??Clothing, household expenses $
100
??Credit cards and other loans: $
400
??Other expenses: $200
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
493863
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:
| 25.99% |
Borrower rate/APR:
| 26.99% / 30.53% |
Monthly payment:
| $306.15 |
| |
|
Lender servicing fee:
| 1.00% |
Effective Yield*:
| 25.34% | | |
| |
Estimated return*:
| 14.54% | | |
* 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:
| Oct-1996 |
Debt/Income ratio:
| 42% |
|
Credit score:
| 760-779 (Feb-2011) |
Inquiries last 6m:
| 0 | Employment status: | Employed |
|
Now delinquent:
| 0 |
Current / open credit lines:
| 6
/
6 | Length of status: | 0y 7m |
|
Amount delinquent:
| $0 |
Total credit lines:
| 26 |
Occupation: | Truck Driver |
|
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $314 | Stated income: | $25,000-$49,999 |
|
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 8% | | |
| | |
Homeownership:
| No | | |
|
Screen name:
| unrivaled-exchange7 |
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
Linehaulin
Purpose of loan:
This loan will be used to? Consolidate Bills
My financial situation:
I am a good candidate for this loan because?
If somebody loans me money I make sure that I pay every bit of it off-no matter what
Monthly net income: $ 2400.00
Monthly expenses: $
??Housing: $ 325.00
??Insurance: $ 250.00
??Car expenses: $ 250.00
??Utilities 300.00
??Phone, cable, internet: $ 150.00
??Food, entertainment: $ 200.00
??Clothing, household expenses $ 100.00
??Credit cards and other loans: $ 300.00
??Other expenses: $ 200.00
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
493869
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*:
| 14.70% | | |
|
Term:
| 36 months | | | | |
|
|
Lender yield:
| 30.99% |
Borrower rate/APR:
| 31.99% / 35.64% |
Monthly payment:
| $261.29 |
| |
|
Lender servicing fee:
| 1.00% |
Effective Yield*:
| 29.57% | | |
| |
Estimated return*:
| 14.87% | | |
* 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:
| Aug-1993 |
Debt/Income ratio:
| 12% |
|
Credit score:
| 700-719 (Feb-2011) |
Inquiries last 6m:
| 5 | Employment status: | Other |
|
Now delinquent:
| 0 |
Current / open credit lines:
| 2
/
2 | Length of status: | 1y 6m |
|
Amount delinquent:
| $0 |
Total credit lines:
| 8 |
Occupation: | Other |
|
Public records last 12m / 10y:
| 0/ 1 |
Revolving credit balance:
| $109 | Stated income: | $25,000-$49,999 |
|
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 21% | | |
| | |
Homeownership:
| No | | |
|
Screen name:
| safe-worth2 |
Borrower's state:
| Illinois |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Description
My loan
Purpose of loan:
This loan will be used to?
I need to pay off some back taxes to IRS?and some credit card debt.
My financial situation:
I am a good candidate for this loan because? I pay my bills on time every month. I now babysit and make extra money every week. I'm also looking to buy my house in the next 6 to 12 months and need my credit to be steller.
Monthly net income: $ 2000
Monthly expenses: $
??Housing: $ 600????
??Insurance: $ 0
??Car expenses: $ 0
??Utilities: $ 80
??Phone, cable, internet: $ 45
??Food, entertainment: $ 150
??Clothing, household expenses $ 50
??Credit cards and other loans: $ 25
??Other expenses: $ 0
Information in the Description is not verified.