Listing Report:Supplement No. 64 dated Apr 10, 2011 to Prospectus dated Mar 04, 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 Mar 04, 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 Mar 04, 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
500554
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount:
| $3,000.00 |
Prosper Rating:
| D |
Listing Duration:
| 14 days
|
Minimum Amount to Fund:
| $2,100 |
Estimated loss*:
| 10.80% | | |
Term:
| 36 months | | | | |
|
Lender yield:
| 24.99% |
Borrower rate/APR:
| 25.99% / 29.51% |
Monthly payment:
| $120.86 |
|
Lender servicing fee:
| 1.00% |
Effective Yield*:
| 24.37% | | |
| |
Estimated return*:
| 13.57% | | |
* 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):
| 7 |
First credit line:
| Jul-1999 |
Debt/Income ratio:
| 6% |
Credit score:
| 640-659 (Apr-2011) |
Inquiries last 6m:
| 0 | Employment status: | Employed |
Now delinquent:
| 1 |
Current / open credit lines:
| 2
/
2 | Length of status: | 2y 10m |
Amount delinquent:
| $5 |
Total credit lines:
| 5 |
Occupation: | Administrative Assi... |
Public records last 12m / 10y:
| 0/ 1 |
Revolving credit balance:
| $2,238 | Stated income: | $25,000-$49,999 |
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 76% | | |
| |
Homeownership:
| No | | |
Screen name:
| benevolent-loan9 |
Borrower's state:
| Ohio |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Description
benevolent-loan9
No description was provided by the borrower.
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
501028
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:
| A |
Listing Duration:
| 14 days
|
Minimum Amount to Fund:
| $2,000 |
Estimated loss*:
| 3.50% | | |
Term:
| 12 months | | | | |
|
Lender yield:
| 7.20% |
Borrower rate/APR:
| 8.20% / 13.97% |
Monthly payment:
| $174.16 |
|
Lender servicing fee:
| 1.00% |
Effective Yield*:
| 7.19% | | |
| |
Estimated return*:
| 3.69% | | |
* 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:
| Feb-1989 |
Debt/Income ratio:
| 11% |
Credit score:
| 740-759 (Apr-2011) |
Inquiries last 6m:
| 1 | Employment status: | Employed |
Now delinquent:
| 2 |
Current / open credit lines:
| 6
/
4 | Length of status: | 0y 10m |
Amount delinquent:
| $17,829 |
Total credit lines:
| 20 |
Occupation: | Sales - Commission |
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $238 | Stated income: | $50,000-$74,999 |
Delinquencies in last 7y:
| 6 |
Bankcard utilization:
| 3% | | |
| |
Homeownership:
| Yes | | |
Screen name:
| nickel-acrobat |
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
Short-term business loan needed
Purpose of loan:
This loan will be used to...
Front salesperson commission against account receivables on sales.
My financial situation:
I am a good candidate for this loan because...
I have ability to repay this loan through steady employment. I also have 2,500 due from tax return. And in absolutely worse case I would pay it off against my 401K.
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
501152
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:
| $6,000 |
Estimated loss*:
| 10.80% | | |
Term:
| 36 months | | | | |
|
Lender yield:
| 24.99% |
Borrower rate/APR:
| 25.99% / 29.51% |
Monthly payment:
| $241.71 |
|
Lender servicing fee:
| 1.00% |
Effective Yield*:
| 24.37% | | |
| |
Estimated return*:
| 13.57% | | |
* 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-1998 |
Debt/Income ratio:
| 9% |
Credit score:
| 640-659 (Apr-2011) |
Inquiries last 6m:
| 3 | Employment status: | Employed |
Now delinquent:
| 0 |
Current / open credit lines:
| 7
/
4 | Length of status: | 5y 8m |
Amount delinquent:
| $0 |
Total credit lines:
| 35 |
Occupation: | Other |
Public records last 12m / 10y:
| 0/ 1 |
Revolving credit balance:
| $3,648 | Stated income: | $50,000-$74,999 |
Delinquencies in last 7y:
| 15 |
Bankcard utilization:
| 37% | | |
| |
Homeownership:
| No | | |
Screen name:
| new-p2ploan-laser |
Borrower's state:
| Pennsylvania |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Description
velvet
Purpose of loan:
This loan will be used to...rebuild retaining wall in my back yard that is cbumbling.
My financial situation:
I am a good candidate for this loan because... I can easily make the monthly payments.
Monthly net income: $2400.00
Monthly expenses: $300.00
Housing: $281.00
Insurance: $150.00
Car expenses: $50.00
Utilities: $200.00
Phone, cable, internet:Food, entertainmentClothing, household expenses: $200.00Credit cards and other loans: $130.00
Other expenses: $100.00
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
501502
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:
| $7,500 |
Estimated loss*:
| 14.70% | | |
Term:
| 36 months | | | | |
|
Lender yield:
| 30.99% |
Borrower rate/APR:
| 31.99% / 35.64% |
Monthly payment:
| $326.62 |
|
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:
| May-2006 |
Debt/Income ratio:
| 12% |
Credit score:
| 680-699 (Apr-2011) |
Inquiries last 6m:
| 5 | Employment status: | Employed |
Now delinquent:
| 0 |
Current / open credit lines:
| 4
/
3 | Length of status: | 8y 1m |
Amount delinquent:
| $0 |
Total credit lines:
| 4 |
Occupation: | Construction |
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $664 | Stated income: | $50,000-$74,999 |
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 13% | | |
| |
Homeownership:
| No | | |
Screen name:
| adventurous-p2p7 |
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
Best Summer Ever
Purpose of loan: Used boat loan
This loan will be used to...Purchase a solid used boat and create several summers of lifetime memories with my daughter.
My financial situation: Very stable
I am a good candidate for this loan because...I am 42 years old and have been with a very stable company for over eight years with record revenues in 2010. I have worked very hard over the last three years on building my credit and take protecting it very serious.This is one more step in the big picture of building a great credit profile.
Monthly net income: $2580.00
Monthly expenses: $1128.00
Housing: $House is paid off. Family owned.
Insurance: $75.00
Car expenses: $Truck paid off. Gas monthly=$255.00
Utilities: $128.00
Phone, cable, internet: $94.00
Food, entertainment: $300.00
Clothing, household expenses: $75.00
Credit cards and other loans: $Visa total=$112.00, HC Credit loan balance is $400.00 on $4500.00 credit line.
Other expenses: $
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
501518
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:
| $2,800.00 |
Prosper Rating:
| D |
Listing Duration:
| 14 days
|
Minimum Amount to Fund:
| $2,800 |
Estimated loss*:
| 9.80% | | |
Term:
| 36 months | | | | |
|
Lender yield:
| 20.99% |
Borrower rate/APR:
| 21.99% / 25.42% |
Monthly payment:
| $106.92 |
|
Lender servicing fee:
| 1.00% |
Effective Yield*:
| 20.48% | | |
| |
Estimated return*:
| 10.68% | | |
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10):
| 6 |
First credit line:
| Aug-1993 |
Debt/Income ratio:
| 9% |
Credit score:
| 640-659 (Apr-2011) |
Inquiries last 6m:
| 2 | Employment status: | Employed |
Now delinquent:
| 3 |
Current / open credit lines:
| 8
/
7 | Length of status: | 4y 1m |
Amount delinquent:
| $4,273 |
Total credit lines:
| 24 |
Occupation: | Computer Programmer |
Public records last 12m / 10y:
| 1/ 2 |
Revolving credit balance:
| $2,920 | Stated income: | $50,000-$74,999 |
Delinquencies in last 7y:
| 7 |
Bankcard utilization:
| 94% | | |
| |
Homeownership:
| Yes | | |
Screen name:
| margjane |
Borrower's state:
| SouthCarolina |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan history | Payment history | Credit score history |
Active / total loans:
| 0 / 1 |
On-time:
| 4 ( 100% )
| 640-659 (Latest)
|
Principal borrowed:
| $1,000.00 | < 31 days late:
| 0
( 0% )
| 720-739
(Oct-2010)
580-599
(Jul-2008)
|
Principal balance:
| $0.00 |
31+ days late:
| 0
( 0% )
|
Total payments billed:
| 4 | | |
Description
Trying to Raise Credit Score
Purpose of loan:
This loan will be used to pay off a state tax lien and pay down credit cards to 35% of their credit limit in the hope I can get my credit score up to 640 and qualify for streamline financing and lower my mortgage interest rate.
My financial situation:
I am a good candidate for this loan because the payment will be lower than what I am paying now on all of the debts and also because I'm trying to raise my credit score so I definitely will not be defaulting or being late paying any of my bills until that happens and beyond. I once had excellent credit but got laid off and things just went down hill from then. It has been eight years and I'm still trying to recover financially.
Monthly net income: $3800
Monthly expenses: $3000
Housing: $1075
Insurance: $160
Car expenses: $200
Utilities: $250
Phone, cable, internet: $200
Food, entertainment: $500
Clothing, household expenses: $150
Credit cards and other loans: $365
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
501530
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*:
| 14.70% | | |
Term:
| 36 months | | | | |
|
Lender yield:
| 30.99% |
Borrower rate/APR:
| 31.99% / 35.64% |
Monthly payment:
| $326.62 |
|
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:
| Feb-2007 |
Debt/Income ratio:
| 20% |
Credit score:
| 700-719 (Apr-2011) |
Inquiries last 6m:
| 1 | Employment status: | Employed |
Now delinquent:
| 1 |
Current / open credit lines:
| 6
/
5 | Length of status: | 1y 7m |
Amount delinquent:
| $2,395 |
Total credit lines:
| 16 |
Occupation: | Skilled Labor |
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $0 | Stated income: | $50,000-$74,999 |
Delinquencies in last 7y:
| 1 |
Bankcard utilization:
| 0% | | |
| |
Homeownership:
| No | | |
Screen name:
| supreme-p2ploan3 |
Borrower's state:
| Indiana |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Description
Monthly net income: $
No description was provided by the borrower.
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
501536
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:
| $4,000 |
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):
| 4 |
First credit line:
| Feb-2007 |
Debt/Income ratio:
| 19% |
Credit score:
| 700-719 (Apr-2011) |
Inquiries last 6m:
| 2 | Employment status: | Employed |
Now delinquent:
| 0 |
Current / open credit lines:
| 4
/
4 | Length of status: | 5y 3m |
Amount delinquent:
| $0 |
Total credit lines:
| 6 |
Occupation: | Computer Programmer |
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $50 | Stated income: | $1-$24,999 |
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 3% | | |
| |
Homeownership:
| No | | |
Screen name:
| deal-exec018 |
Borrower's state:
| Arizona |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Description
Motorcycle Loan
Purpose of loan:
This loan will be used to buy a motorcycle.
My financial situation:
I am a good candidate for this loan because I pay all of my bills on time. My credit score is 715. I can pay up to $200 maximum for the monthly payments on this loan. This will allow me to get insurance on the motorcycle, still be able to pay my other bills, and still put money in savings.
I currently have a truck loan that I'm paying on. This loan is a secured loan of $7500. I put my own money down and borrowed against it to bring up my credit score.
The reason I would like a motorcycle is because of the gas prices. I'm driving approximately 110 miles each day, Monday through Friday. I also do not want to keep putting a ton of miles on my truck because it's more expensive to repair and maintain than a motorcycle.
Take home income (bi-weekly): $680
Insurance: $130
Car expenses gas per week: about $160
Other loan: $153 a month (I put down $200 to pay it off quicker)
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
501538
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:
| $3,800.00 |
Prosper Rating:
| A |
Listing Duration:
| 14 days
|
Minimum Amount to Fund:
| $2,660 |
Estimated loss*:
| 3.25% | | |
Term:
| 36 months | | | | |
|
Lender yield:
| 7.29% |
Borrower rate/APR:
| 8.29% / 10.38% |
Monthly payment:
| $119.59 |
|
Lender servicing fee:
| 1.00% |
Effective Yield*:
| 7.28% | | |
| |
Estimated return*:
| 4.03% | | |
* 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:
| Sep-1999 |
Debt/Income ratio:
| 19% |
Credit score:
| 760-779 (Apr-2011) |
Inquiries last 6m:
| 0 | Employment status: | Employed |
Now delinquent:
| 0 |
Current / open credit lines:
| 9
/
7 | Length of status: | 6y 9m |
Amount delinquent:
| $0 |
Total credit lines:
| 20 |
Occupation: | Medical Technician |
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $1,982 | Stated income: | $25,000-$49,999 |
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 10% | | |
| |
Homeownership:
| Yes | | |
Screen name:
| Pughouse17 |
Borrower's state:
| Indiana |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan history | Payment history | Credit score history |
Active / total loans:
| 1 / 1 |
On-time:
| 7 ( 100% )
| 760-779 (Latest)
|
Principal borrowed:
| $3,600.00 | < 31 days late:
| 0
( 0% )
| 760-779
(Aug-2010)
|
Principal balance:
| $2,981.90 |
31+ days late:
| 0
( 0% )
|
Total payments billed:
| 7 | | |
Description
Turn house into home, improvements
Purpose of loan:
This loan will be used to build a 20 by 20 foot easy care concrete deck and a few other small improvements.
My financial situation:
I am a good candidate for this loan because I am a very reliable investment option. Additionally, I have spent six years improving the worth of my home, adding hardwood floors, privacy fencing, perennial gardens, etc. This funding will help me on my way. Thanks so much for consideration.
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
501540
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:
| 20.99% |
Borrower rate/APR:
| 21.99% / 25.42% |
Monthly payment:
| $286.39 |
|
Lender servicing fee:
| 1.00% |
Effective Yield*:
| 20.48% | | |
| |
Estimated return*:
| 10.68% | | |
* 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-1994 |
Debt/Income ratio:
| 16% |
Credit score:
| 700-719 (Apr-2011) |
Inquiries last 6m:
| 0 | Employment status: | Employed |
Now delinquent:
| 0 |
Current / open credit lines:
| 4
/
4 | Length of status: | 11y 0m |
Amount delinquent:
| $0 |
Total credit lines:
| 11 |
Occupation: | Sales - Retail |
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $30 | Stated income: | $50,000-$74,999 |
Delinquencies in last 7y:
| 11 |
Bankcard utilization:
| 0% | | |
| |
Homeownership:
| No | | |
Screen name:
| ore-monger |
Borrower's state:
| NewYork |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan history | Payment history | Credit score history |
Active / total loans:
| 1 / 1 |
On-time:
| 14 ( 100% )
| 700-719 (Latest)
|
Principal borrowed:
| $7,500.00 | < 31 days late:
| 0
( 0% )
| 660-679
(Jan-2010)
|
Principal balance:
| $5,266.92 |
31+ days late:
| 0
( 0% )
|
Total payments billed:
| 14 | | |
Description
in need of home improvements
Purpose of loan:
This loan will be used to...
My financial situation: stable
I am a good candidate for this loan because...i have no credit card debt, i have a stable income and a great history paying off my curent prosper loan
Monthly net income: $4000
Monthly expenses: $
Housing: $750
Insurance: $
Car expenses: $0
Utilities: $150
Phone, cable, internet: $100
Food, entertainment: $200
Clothing, household expenses: $50
Credit cards and other loans: $300
Other expenses: $
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
501542
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount:
| $15,000.00 |
Prosper Rating:
| B |
Listing Duration:
| 14 days
|
Minimum Amount to Fund:
| $10,500 |
Estimated loss*:
| 5.95% | | |
Term:
| 36 months | | | | |
|
Lender yield:
| 12.99% |
Borrower rate/APR:
| 13.99% / 16.15% |
Monthly payment:
| $512.59 |
|
Lender servicing fee:
| 1.00% |
Effective Yield*:
| 12.77% | | |
| |
Estimated return*:
| 6.82% | | |
* 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:
| Feb-1998 |
Debt/Income ratio:
| 41% |
Credit score:
| 720-739 (Apr-2011) |
Inquiries last 6m:
| 0 | Employment status: | Employed |
Now delinquent:
| 0 |
Current / open credit lines:
| 11
/
9 | Length of status: | 0y 6m |
Amount delinquent:
| $0 |
Total credit lines:
| 28 |
Occupation: | Tradesman - Mechani... |
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $41,594 | Stated income: | $50,000-$74,999 |
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 64% | | |
| |
Homeownership:
| No | | |
Screen name:
| top-determined-gold |
Borrower's state:
| Kansas |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Description
Mustang
Purpose of loan:
This loan will be used to...fund the down payment and purchase inventory.
My financial situation:
I am a good candidate for this loan because...My wife and I have planned for years to purchase this particular type of business and now that our children are grown, we would like to make it a reality. We have always worked hard and would love the chance to work together and build something we can pass on to our children.
Monthly net income: $ my wife and I make approximately $6,000/mo
Monthly expenses: $4500
Housing: $959
Insurance: $280
Car expenses: $665
Utilities: $345
Phone, cable, internet: $324
Food, entertainment: $800
Clothing, household expenses: $200
Credit cards and other loans: $871
Other expenses: $
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
501548
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount:
| $13,000.00 |
Prosper Rating:
| B |
Listing Duration:
| 14 days
|
Minimum Amount to Fund:
| $9,100 |
Estimated loss*:
| 5.95% | | |
Term:
| 60 months | | | | |
|
Lender yield:
| 15.99% |
Borrower rate/APR:
| 16.99% / 18.41% |
Monthly payment:
| $323.01 |
|
Lender servicing fee:
| 1.00% |
Effective Yield*:
| 15.71% | | |
| |
Estimated return*:
| 9.76% | | |
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10):
| 8 |
First credit line:
| Jan-1993 |
Debt/Income ratio:
| 23% |
Credit score:
| 720-739 (Apr-2011) |
Inquiries last 6m:
| 0 | Employment status: | Employed |
Now delinquent:
| 0 |
Current / open credit lines:
| 12
/
12 | Length of status: | 15y 10m |
Amount delinquent:
| $0 |
Total credit lines:
| 27 |
Occupation: | Nurse (RN) |
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $42,374 | Stated income: | $100,000+ |
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 65% | | |
| |
Homeownership:
| Yes | | |
Screen name:
| auction-floret |
Borrower's state:
| Massachusetts |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Description
Debt consolidation
No description was provided by the borrower.
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
501550
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:
| 24.99% |
Borrower rate/APR:
| 25.99% / 29.51% |
Monthly payment:
| $80.57 |
|
Lender servicing fee:
| 1.00% |
Effective Yield*:
| 24.37% | | |
| |
Estimated return*:
| 13.57% | | |
* 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):
| 7 |
First credit line:
| Jun-2003 |
Debt/Income ratio:
| 18% |
Credit score:
| 760-779 (Apr-2011) |
Inquiries last 6m:
| 0 | Employment status: | Employed |
Now delinquent:
| 0 |
Current / open credit lines:
| 3
/
3 | Length of status: | 8y 1m |
Amount delinquent:
| $0 |
Total credit lines:
| 11 |
Occupation: | Other |
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $0 | Stated income: | $1-$24,999 |
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 0% | | |
| |
Homeownership:
| No | | |
Screen name:
| diverse-community4 |
Borrower's state:
| Indiana |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Description
family needs help
Purpose of loan: to obtain personal aftect needed for my child
This loan will be used to...get those materials
My financial situation: working but it isnt enough at the moment to get done what i got to get done
I am a good candidate for this loan because...
i have good credit..and pay off my debts have never asked for finacial help but have no choice.!
Monthly net income: $1213
Monthly expenses: $950
Housing: $433
Insurance: $266
Car expenses: $325
Utilities: $155
Phone, cable, internet: $57
Food, entertainment: $366
Clothing, household expenses: $60
Credit cards and other loans: $n/a
Other expenses: $220
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
501552
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount:
| $10,000.00 |
Prosper Rating:
| B |
Listing Duration:
| 14 days
|
Minimum Amount to Fund:
| $7,000 |
Estimated loss*:
| 4.95% | | |
Term:
| 36 months | | | | |
|
Lender yield:
| 9.99% |
Borrower rate/APR:
| 10.99% / 13.11% |
Monthly payment:
| $327.34 |
|
Lender servicing fee:
| 1.00% |
Effective Yield*:
| 9.83% | | |
| |
Estimated return*:
| 4.88% | | |
* 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:
| 40% |
Credit score:
| 740-759 (Apr-2011) |
Inquiries last 6m:
| 0 | Employment status: | Employed |
Now delinquent:
| 0 |
Current / open credit lines:
| 9
/
8 | Length of status: | 6y 8m |
Amount delinquent:
| $0 |
Total credit lines:
| 13 |
Occupation: | Other |
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $37,686 | Stated income: | $50,000-$74,999 |
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 33% | | |
| |
Homeownership:
| No | | |
Screen name:
| blue-listing-cocktail |
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:
| 12 ( 100% )
| 740-759 (Latest)
|
Principal borrowed:
| $10,000.00 | < 31 days late:
| 0
( 0% )
| 700-719
(Oct-2010)
720-739
(Mar-2010)
|
Principal balance:
| $7,000.10 |
31+ days late:
| 0
( 0% )
|
Total payments billed:
| 12 | | |
Description
Trying to get my life back
This loan will be used to...
Pay off another credit card that wants to increase my interest rate. I have never been late for any payments and all I want is pay it off and close it. I tried to negotiate with the bank but because I have never been late, they won't help me. My goal is to pay off all debt in 3 years and with this rate increase , I won't be able to.
I am a good candidate for this loan because...
I'm employed full time and live within my means. I did not get into this mess by buying stuff (it was a health emergency my mother had and no insurance). My goal is to pay off these cards and never use them again. I have been able to pay off more than half of the initial amount by being disciplined and making huge sacrifices. But I want to get out of this circle of debt, and the banks are not willing to help. I will not disappoint you.
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
501558
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:
| $14,500.00 |
Prosper Rating:
| B |
Listing Duration:
| 14 days
|
Minimum Amount to Fund:
| $10,150 |
Estimated loss*:
| 5.95% | | |
Term:
| 36 months | | | | |
|
Lender yield:
| 12.99% |
Borrower rate/APR:
| 13.99% / 16.15% |
Monthly payment:
| $495.51 |
|
Lender servicing fee:
| 1.00% |
Effective Yield*:
| 12.77% | | |
| |
Estimated return*:
| 6.82% | | |
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10):
| 8 |
First credit line:
| Apr-1992 |
Debt/Income ratio:
| 17% |
Credit score:
| 760-779 (Apr-2011) |
Inquiries last 6m:
| 0 | Employment status: | Employed |
Now delinquent:
| 0 |
Current / open credit lines:
| 10
/
10 | Length of status: | 10y 0m |
Amount delinquent:
| $0 |
Total credit lines:
| 18 |
Occupation: | Skilled Labor |
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $206,231 | Stated income: | $100,000+ |
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 85% | | |
| |
Homeownership:
| Yes | | |
Screen name:
| listing-halibut7 |
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 Credit Cards
Purpose of loan:
This loan will be used to.pay off my credit cards. I am working on building my financal health.
My financial situation:
I am a good candidate for this loan because...I have a good job, own my home and a growing retirement fund. Once I clear up my credit cards I will be in great financal shape. I have been learning and growing in my knowledge of finance. I have a budget and short term and long term financial goals.
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
501576
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:
| 24.99% |
Borrower rate/APR:
| 25.99% / 29.51% |
Monthly payment:
| $201.43 |
|
Lender servicing fee:
| 1.00% |
Effective Yield*:
| 24.37% | | |
| |
Estimated return*:
| 13.57% | | |
* 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):
| 7 |
First credit line:
| Sep-1994 |
Debt/Income ratio:
| Not calculated |
Credit score:
| 660-679 (Apr-2011) |
Inquiries last 6m:
| 0 | Employment status: | Not employed |
Now delinquent:
| 0 |
Current / open credit lines:
| 5
/
4 | Length of status: | 0y 3m |
Amount delinquent:
| $0 |
Total credit lines:
| 11 | Stated income: | Not employed |
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $7,347 | |
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 67% | | |
| |
Homeownership:
| No | | |
Screen name:
| Seattle-Mom-of-3 |
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
Starting my own photography studio!
This loan will be used to start my own photography business. I have been employed full time for the past 10 years as an accountant and photography was only a hobby. I lost my job in January and because of it I have found myself in a very difficult situation. My husband has an appointment in a new city beginning in August of 2011. No one wants to hire an accountant for only 6 months so I have been sitting around collecting unemployment. It is not for me.
The money would be used to purchase some new photography equipment but mostly would go towards website design and advertizing. I hope to build a portfolio in the next four months while I am still in Seattle in order to create an interactive website that would showcase my talent.
My husband makes enough money to take care of the family but I'm too creative to just sit around. I would only be contributing to the family income a few thousand a month; the rest is purely savings that would be funneled back into my business.
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
501580
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:
| E |
Listing Duration:
| 14 days
|
Minimum Amount to Fund:
| $3,150 |
Estimated loss*:
| 14.70% | | |
Term:
| 36 months | | | | |
|
Lender yield:
| 30.99% |
Borrower rate/APR:
| 31.99% / 35.64% |
Monthly payment:
| $195.97 |
|
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):
| 4 |
First credit line:
| Jul-1990 |
Debt/Income ratio:
| 6% |
Credit score:
| 740-759 (Apr-2011) |
Inquiries last 6m:
| 21 | Employment status: | Employed |
Now delinquent:
| 0 |
Current / open credit lines:
| 15
/
14 | Length of status: | 6y 3m |
Amount delinquent:
| $0 |
Total credit lines:
| 40 |
Occupation: | Laborer |
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $3,512 | Stated income: | $75,000-$99,999 |
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 11% | | |
| |
Homeownership:
| Yes | | |
Screen name:
| graceful-truth7 |
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
my loan
No description was provided by the borrower.
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
501590
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount:
| $2,500.00 |
Prosper Rating:
| D |
Listing Duration:
| 14 days
|
Minimum Amount to Fund:
| $2,500 |
Estimated loss*:
| 10.80% | | |
Term:
| 36 months | | | | |
|
Lender yield:
| 24.99% |
Borrower rate/APR:
| 25.99% / 29.51% |
Monthly payment:
| $100.71 |
|
Lender servicing fee:
| 1.00% |
Effective Yield*:
| 24.37% | | |
| |
Estimated return*:
| 13.57% | | |
* 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:
| Jan-2004 |
Debt/Income ratio:
| 21% |
Credit score:
| 640-659 (Apr-2011) |
Inquiries last 6m:
| 1 | Employment status: | Employed |
Now delinquent:
| 0 |
Current / open credit lines:
| 5
/
4 | Length of status: | 2y 6m |
Amount delinquent:
| $0 |
Total credit lines:
| 7 |
Occupation: | Sales - Retail |
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $2,296 | Stated income: | $1-$24,999 |
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 93% | | |
| |
Homeownership:
| No | | |
Screen name:
| truth-system8 |
Borrower's state:
| Texas |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Description
Paying off Job Hunting Debt
Purpose of loan:
This loan will be used to pay off job hunting debt.
My financial situation:
I am a good candidate for this loan because the debt I have occurred while looking for a job. I have a Bachelors degree in the teaching field. The myth that there is a shortage of teachers is just that a myth. I have applied to every school district and private school within two hundred miles of my house. I went to every job fair. I did everything I could do to get a teaching job, and I had an excellent resume. Job hunting does cost money. I looked for part time work during the school year so I could afford to eat. I was blessed to find a retail position in October 2008. I was blessed in December 2009 to find another retail job. Between both jobs I work 35 hours a week. They are both hourly wage. I love my jobs, and I can see a future for myself.
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
501592
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:
| $16,000.00 |
Prosper Rating:
| A |
Listing Duration:
| 14 days
|
Minimum Amount to Fund:
| $11,200 |
Estimated loss*:
| 3.50% | | |
Term:
| 60 months | | | | |
|
Lender yield:
| 10.90% |
Borrower rate/APR:
| 11.90% / 13.25% |
Monthly payment:
| $355.10 |
|
Lender servicing fee:
| 1.00% |
Effective Yield*:
| 10.87% | | |
| |
Estimated return*:
| 7.37% | | |
* 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:
| Jun-1987 |
Debt/Income ratio:
| 16% |
Credit score:
| 760-779 (Apr-2011) |
Inquiries last 6m:
| 0 | Employment status: | Employed |
Now delinquent:
| 0 |
Current / open credit lines:
| 15
/
13 | Length of status: | 3y 7m |
Amount delinquent:
| $0 |
Total credit lines:
| 45 |
Occupation: | Other |
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $39,544 | Stated income: | $75,000-$99,999 |
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 52% | | |
| |
Homeownership:
| Yes | | |
Screen name:
| RentalBuyer |
Borrower's state:
| Indiana |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Description
Great Rental Investment
Purpose of loan:
I plan to use this money to buy a great little house, rehab it, and rent it out. I've worked as a leasing agent for a large company, I've rehabbed a few other houses in the past with my own savings and I'm hoping that with some outside investment, I'll be able to do more houses. This house will cost $13K, and will take about $25K to rehab. Once finished, it will be worth about $55K and I'll be able to collect $1200 rent from 2 units. This will make loan repayment easy.
My financial situation:
I've been working 2-3 jobs at a time since I was 16, and I recently bought a very successful bar. It's going great, and I'm making great money. I plan to use this property, and others, as retirement income down the road so I'm looking for the long term, not a flip. My salary is enough that I'd be able to repay this loan even without the rental income so there is no chance of not repaying.
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
501596
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount:
| $15,000.00 |
Prosper Rating:
| B |
Listing Duration:
| 14 days
|
Minimum Amount to Fund:
| $10,500 |
Estimated loss*:
| 5.95% | | |
Term:
| 36 months | | | | |
|
Lender yield:
| 12.99% |
Borrower rate/APR:
| 13.99% / 16.15% |
Monthly payment:
| $512.59 |
|
Lender servicing fee:
| 1.00% |
Effective Yield*:
| 12.77% | | |
| |
Estimated return*:
| 6.82% | | |
* 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:
| Feb-1995 |
Debt/Income ratio:
| 22% |
Credit score:
| 740-759 (Apr-2011) |
Inquiries last 6m:
| 3 | Employment status: | Employed |
Now delinquent:
| 0 |
Current / open credit lines:
| 7
/
6 | Length of status: | 18y 5m |
Amount delinquent:
| $0 |
Total credit lines:
| 19 |
Occupation: | Skilled Labor |
Public records last 12m / 10y:
| 0/ 1 |
Revolving credit balance:
| $18,125 | Stated income: | $50,000-$74,999 |
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 43% | | |
| |
Homeownership:
| No | | |
Screen name:
| direct-asset1 |
Borrower's state:
| Illinois |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Description
DVD KIOSKs
Purpose of loan:
This loan will be used to...purchase dvd kiosks
My financial situation:
I am a good candidate for this loan because.. Never been in financial trouble only in financial need
Monthly net income: 6k
Monthly expenses: 4k
Housing: 300$ family house
Insurance: medical and dental mostly paid by employer 200$
Car expenses: paid of ,gas only and repairs 500 $
Utilities: 160$
Phone, cable, internet: 200$
Food, entertainment: 700$
Clothing, household expenses: 300
Credit cards and other loans: 700
Other expenses: $
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
501602
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:
| $5,800.00 |
Prosper Rating:
| D |
Listing Duration:
| 14 days
|
Minimum Amount to Fund:
| $4,060 |
Estimated loss*:
| 10.80% | | |
Term:
| 36 months | | | | |
|
Lender yield:
| 24.99% |
Borrower rate/APR:
| 25.99% / 29.51% |
Monthly payment:
| $233.65 |
|
Lender servicing fee:
| 1.00% |
Effective Yield*:
| 24.37% | | |
| |
Estimated return*:
| 13.57% | | |
* 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:
| Aug-1982 |
Debt/Income ratio:
| 49% |
Credit score:
| 640-659 (Apr-2011) |
Inquiries last 6m:
| 0 | Employment status: | Employed |
Now delinquent:
| 0 |
Current / open credit lines:
| 22
/
16 | Length of status: | 19y 8m |
Amount delinquent:
| $0 |
Total credit lines:
| 43 |
Occupation: | Teacher |
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $40,124 | Stated income: | $50,000-$74,999 |
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 68% | | |
| |
Homeownership:
| Yes | | |
Screen name:
| relentless-market2 |
Borrower's state:
| Louisiana |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Description
Help to pay federal tax debt
Purpose of loan:
This loan will be used to...
pay my federal income tax debt.
My financial situation:
I am a good candidate for this loan because...I pay all of my bills on time. I have been working on the same job for over 20 years.
Monthly net income: $3600
Monthly expenses: $2100
Housing: $966
Insurance: $115
Car expenses: $0 ---no car note, mileage paid by employer
Utilities: $0 spouse pays
Phone, cable, internet: $0 spouse pays
Food, entertainment: $0 spouse pays
Clothing, household expenses: $ spouse pays
Credit cards and other loans: $900
Other expenses: $0
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
501606
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount:
| $3,000.00 |
Prosper Rating:
| D |
Listing Duration:
| 14 days
|
Minimum Amount to Fund:
| $2,100 |
Estimated loss*:
| 9.80% | | |
Term:
| 36 months | | | | |
|
Lender yield:
| 20.99% |
Borrower rate/APR:
| 21.99% / 25.42% |
Monthly payment:
| $114.56 |
|
Lender servicing fee:
| 1.00% |
Effective Yield*:
| 20.48% | | |
| |
Estimated return*:
| 10.68% | | |
* 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-1995 |
Debt/Income ratio:
| 16% |
Credit score:
| 660-679 (Apr-2011) |
Inquiries last 6m:
| 0 | Employment status: | Employed |
Now delinquent:
| 2 |
Current / open credit lines:
| 4
/
4 | Length of status: | 11y 8m |
Amount delinquent:
| $1,303 |
Total credit lines:
| 26 |
Occupation: | Teacher |
Public records last 12m / 10y:
| 0/ 1 |
Revolving credit balance:
| $1,658 | Stated income: | $25,000-$49,999 |
Delinquencies in last 7y:
| 17 |
Bankcard utilization:
| 98% | | |
| |
Homeownership:
| No | | |
Screen name:
| singleteach |
Borrower's state:
| Colorado |
Borrower's group:
| BORROWERS - LARGEST GROUP |
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan history | Payment history | Credit score history |
Active / total loans:
| 0 / 1 |
On-time:
| 35 ( 100% )
| 660-679 (Latest)
|
Principal borrowed:
| $1,000.00 | < 31 days late:
| 0
( 0% )
| 540-559
(Nov-2007)
560-579
(Feb-2007)
|
Principal balance:
| $0.01 |
31+ days late:
| 0
( 0% )
|
Total payments billed:
| 35 | | |
Description
Debt consolidation
Purpose of loan: Pay off bills
This loan will be used to...pay off some unexpected car payments, bills
My financial situation: I have a good steady job, am a teacher-20 years.
I am a good candidate for this loan because...I have a good steady income.
Monthly net income: $55000
Monthly expenses: $2900
Housing: $825
Insurance: $100
Car expenses: $450
Utilities: $150
Phone, cable, internet: $300
Food, entertainment: $300
Clothing, household expenses: $200
Credit cards and other loans: $600
Other expenses: $0
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
501608
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:
| $6,500.00 |
Prosper Rating:
| C |
Listing Duration:
| 14 days
|
Minimum Amount to Fund:
| $6,500 |
Estimated loss*:
| 8.70% | | |
Term:
| 36 months | | | | |
|
Lender yield:
| 18.49% |
Borrower rate/APR:
| 19.49% / 22.87% |
Monthly payment:
| $239.88 |
|
Lender servicing fee:
| 1.00% |
Effective Yield*:
| 18.06% | | |
| |
Estimated return*:
| 9.36% | | |
* 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:
| Nov-1989 |
Debt/Income ratio:
| Not calculated |
Credit score:
| 820-839 (Apr-2011) |
Inquiries last 6m:
| 1 | Employment status: | Other |
Now delinquent:
| 0 |
Current / open credit lines:
| 3
/
3 | Length of status: | 1y 3m |
Amount delinquent:
| $0 |
Total credit lines:
| 6 |
Occupation: | Other |
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $1,213 | Stated income: | $100,000+ |
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 1% | | |
| |
Homeownership:
| No | | |
Screen name:
| brightest-bonus-songbird |
Borrower's state:
| Alabama |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Description
pay off loan
Purpose of loan: Debit Considation
This loan will be used to...Pay off credit cards, auto loan
My financial situation: good
I am a good candidate for this loan because...I have a good credit history, just need to pay off auto loan and credit cards into one payment.
Monthly net income: $4500
Monthly expenses: $3300
Housing: $0
Insurance: $300
Car expenses: $25
Utilities: $400
Phone, cable, internet: $77
Food, entertainment: $300
Clothing, household expenses: $150
Credit cards and other loans: $225
Other expenses: $300
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
501620
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:
| AA |
Listing Duration:
| 14 days
|
Minimum Amount to Fund:
| $4,900 |
Estimated loss*:
| 1.55% | | |
Term:
| 36 months | | | | |
|
Lender yield:
| 5.55% |
Borrower rate/APR:
| 6.55% / 6.89% |
Monthly payment:
| $214.70 |
|
Lender servicing fee:
| 1.00% |
Effective Yield*:
| 5.55% | | |
| |
Estimated return*:
| 4.00% | | |
* 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:
| Sep-1985 |
Debt/Income ratio:
| 9% |
Credit score:
| 800-819 (Apr-2011) |
Inquiries last 6m:
| 1 | Employment status: | Employed |
Now delinquent:
| 0 |
Current / open credit lines:
| 11
/
9 | Length of status: | 3y 4m |
Amount delinquent:
| $0 |
Total credit lines:
| 25 |
Occupation: | Sales - Commission |
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $12,156 | Stated income: | $100,000+ |
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 16% | | |
| |
Homeownership:
| Yes | | |
Screen name:
| truthologist7 |
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
Pitch for loan
This loan will be used to consolidate $7K in credit card debt
I will be using this to create more ease by paying one lender, instead of 4 and securing a lower rate. I am 43 years old, have a MBA from UCLA and have been working at Prudential Insurance for the past 4 years, Metlife Insurance prior to that. I sell employee benefits of Long Term Disability, Short Term Disability, Dental and Life Insurance to companies that have 1000 employees and below. My credit score is 715. I have never defaulted on any loan. I am a condo owner for the past 6 years that has never paid late on a mortgage, while the rest of the world was foreclosing or walking away.
More than likely I will be paying off this loan much earlier than the amortized schedule. I hope my background suggest to you an accurate sense of financial responsibility. I am not married and I have no children.
Thanks so much.
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
501624
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:
| C |
Listing Duration:
| 14 days
|
Minimum Amount to Fund:
| $3,500 |
Estimated loss*:
| 7.70% | | |
Term:
| 36 months | | | | |
|
Lender yield:
| 15.99% |
Borrower rate/APR:
| 16.99% / 20.32% |
Monthly payment:
| $178.24 |
|
Lender servicing fee:
| 1.00% |
Effective Yield*:
| 15.63% | | |
| |
Estimated return*:
| 7.93% | | |
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10):
| 8 |
First credit line:
| Mar-1987 |
Debt/Income ratio:
| 21% |
Credit score:
| 700-719 (Apr-2011) |
Inquiries last 6m:
| 0 | Employment status: | Employed |
Now delinquent:
| 0 |
Current / open credit lines:
| 8
/
8 | Length of status: | 23y 7m |
Amount delinquent:
| $0 |
Total credit lines:
| 15 |
Occupation: | Other |
Public records last 12m / 10y:
| 0/ 2 |
Revolving credit balance:
| $2,871 | Stated income: | $50,000-$74,999 |
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 63% | | |
| |
Homeownership:
| No | | |
Screen name:
| rainbow17 |
Borrower's state:
| Indiana |
Borrower's group:
| Not Active |
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan history | Payment history | Credit score history |
Active / total loans:
| 0 / 1 |
On-time:
| 28 ( 80% )
| 700-719 (Latest)
|
Principal borrowed:
| $8,000.00 | < 31 days late:
| 7
( 20% )
| 640-659
(Jan-2008)
640-659
(Jul-2007)
|
Principal balance:
| $0.00 |
31+ days late:
| 0
( 0% )
|
Total payments billed:
| 35 | | |
Description
I Always Pay Back Loans
Purpose of loan:
This loan will be used to...Pay off bills and advertise new book
My financial situation:
I am a good candidate for this loan because... I had a previous loan and paid it off on time.
Monthly net income: $61,513.00
Monthly expenses: $3,400
Housing: $1,277
Insurance: $230.00
Car expenses: $700
Utilities: $320
Phone, cable, internet: $130
Food, entertainment: $300
Clothing, household expenses: $100
Credit cards and other loans: $250
Other expenses: $0
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
501435
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:
| $7,000 |
Estimated loss*:
| 10.80% | | |
Term:
| 36 months | | | | |
|
Lender yield:
| 24.99% |
Borrower rate/APR:
| 25.99% / 29.51% |
Monthly payment:
| $282.00 |
|
Lender servicing fee:
| 1.00% |
Effective Yield*:
| 24.37% | | |
| |
Estimated return*:
| 13.57% | | |
* 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):
| 7 |
First credit line:
| Oct-2002 |
Debt/Income ratio:
| 11% |
Credit score:
| 760-779 (Apr-2011) |
Inquiries last 6m:
| 0 | Employment status: | Employed |
Now delinquent:
| 0 |
Current / open credit lines:
| 4
/
4 | Length of status: | 1y 5m |
Amount delinquent:
| $0 |
Total credit lines:
| 19 |
Occupation: | Other |
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $3,107 | Stated income: | $50,000-$74,999 |
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 103% | | |
| |
Homeownership:
| Yes | | |
Screen name:
| compassion-raccoon |
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
My loan for debt consolidation
Purpose of loan is to consolidate my debt and to set up a monthly budget plan.
This loan will be used to consolidate my loans for one monthly payment.
My financial situation needs some improvements. I would like to set up a monthly budget plan that is more realistic for me to accomplish. I feel that debt consolidating will help me achieve my goal.
I am a good candidate for this loan because I'm working full-time for a reliable job. I have always made payments on my current loans and have paid off my prior loans.
Monthly net income: $4,031
Housing: $862.50
Insurance: $143.40
Car expenses: Loan paid off
Utilities: $200.00
Phone, cable, internet: $111.00
Credit cards and other loans: credit card $2,621 Other loan $5,121
Other expenses: Childcare/Daycare $237.00weekly
extended day $129.00 monthly
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
501519
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:
| 24.99% |
Borrower rate/APR:
| 25.99% / 29.51% |
Monthly payment:
| $201.43 |
|
Lender servicing fee:
| 1.00% |
Effective Yield*:
| 24.37% | | |
| |
Estimated return*:
| 13.57% | | |
* 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:
| Jan-1995 |
Debt/Income ratio:
| 38% |
Credit score:
| 660-679 (Apr-2011) |
Inquiries last 6m:
| 0 | Employment status: | Employed |
Now delinquent:
| 0 |
Current / open credit lines:
| 17
/
17 | Length of status: | 3y 5m |
Amount delinquent:
| $0 |
Total credit lines:
| 38 |
Occupation: | Administrative Assi... |
Public records last 12m / 10y:
| 0/ 1 |
Revolving credit balance:
| $16,190 | Stated income: | $25,000-$49,999 |
Delinquencies in last 7y:
| 3 |
Bankcard utilization:
| 83% | | |
| |
Homeownership:
| No | | |
Screen name:
| cindylouhome |
Borrower's state:
| SouthDakota |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Description
Sioux Falls
Purpose of loan: debt consolidation
This loan will be used to...pay credit cards
My financial situation: stable
I am a good candidate for this loan because...employed full time
Monthly net income: $2400 employer / $900 rental income
Monthly expenses:
Housing: $1098
Insurance: $50
Car expenses: $270
Utilities: $300
Phone, cable, internet: $80
Food, entertainment: $300
Clothing, household expenses: $50
Credit cards and other loans: $535
Other expenses: $50
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
501521
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:
| 24.99% |
Borrower rate/APR:
| 25.99% / 29.51% |
Monthly payment:
| $282.00 |
|
Lender servicing fee:
| 1.00% |
Effective Yield*:
| 24.37% | | |
| |
Estimated return*:
| 13.57% | | |
* 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:
| Sep-1997 |
Debt/Income ratio:
| 38% |
Credit score:
| 760-779 (Apr-2011) |
Inquiries last 6m:
| 0 | Employment status: | Employed |
Now delinquent:
| 0 |
Current / open credit lines:
| 18
/
18 | Length of status: | 6y 3m |
Amount delinquent:
| $0 |
Total credit lines:
| 34 |
Occupation: | Executive |
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $32,227 | Stated income: | $100,000+ |
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 52% | | |
| |
Homeownership:
| Yes | | |
Screen name:
| hope-motor1 |
Borrower's state:
| Colorado |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Description
Loan for Home Improvement
Purpose of loan:
This loan will be used to increase the value of home in preparation for selling it. Painting, Windows, Repairs, etc.
The loan will be paid off early due to equity liquidation in home once sold. I owe significantly less on home than comps show property is worth.
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
501525
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:
| C |
Listing Duration:
| 14 days
|
Minimum Amount to Fund:
| $10,500 |
Estimated loss*:
| 8.70% | | |
Term:
| 60 months | | | | |
|
Lender yield:
| 21.49% |
Borrower rate/APR:
| 22.49% / 24.76% |
Monthly payment:
| $418.47 |
|
Lender servicing fee:
| 1.00% |
Effective Yield*:
| 20.98% | | |
| |
Estimated return*:
| 12.28% | | |
* 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):
| 8 |
First credit line:
| Jul-1981 |
Debt/Income ratio:
| 14% |
Credit score:
| 680-699 (Apr-2011) |
Inquiries last 6m:
| 1 | Employment status: | Employed |
Now delinquent:
| 0 |
Current / open credit lines:
| 12
/
11 | Length of status: | 19y 7m |
Amount delinquent:
| $0 |
Total credit lines:
| 67 |
Occupation: | Engineer - Mechanic... |
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $5,922 | Stated income: | $100,000+ |
Delinquencies in last 7y:
| 2 |
Bankcard utilization:
| 53% | | |
| |
Homeownership:
| Yes | | |
Screen name:
| funds-accruer0 |
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
Goldwing
Purpose of loan:
This loan will be used to... Buy 2003 Goldwing trike
My financial situation: good
I am a good candidate for this loan because...Honest and trustworthy
Monthly net income: $6000
Monthly expenses: $3000
Housing: $925
Insurance: $100
Car expenses: $250
Utilities: $130
Phone, cable, internet: $110
Food, entertainment: $500
Clothing, household expenses: $100
Credit cards and other loans: $375
Other expenses: $0
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
501533
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:
| $11,000.00 |
Prosper Rating:
| AA |
Listing Duration:
| 14 days
|
Minimum Amount to Fund:
| $7,700 |
Estimated loss*:
| 1.30% | | |
Term:
| 60 months | | | | |
|
Lender yield:
| 7.99% |
Borrower rate/APR:
| 8.99% / 9.20% |
Monthly payment:
| $228.29 |
|
Lender servicing fee:
| 1.00% |
Effective Yield*:
| 7.99% | | |
| |
Estimated return*:
| 6.69% | | |
* 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-1999 |
Debt/Income ratio:
| 9% |
Credit score:
| 780-799 (Apr-2011) |
Inquiries last 6m:
| 0 | Employment status: | Employed |
Now delinquent:
| 0 |
Current / open credit lines:
| 9
/
8 | Length of status: | 1y 9m |
Amount delinquent:
| $0 |
Total credit lines:
| 13 |
Occupation: | Professor |
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $5,759 | Stated income: | $75,000-$99,999 |
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 11% | | |
| |
Homeownership:
| No | | |
Screen name:
| suzanlori |
Borrower's state:
| NewYork |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan history | Payment history | Credit score history |
Active / total loans:
| 0 / 1 |
On-time:
| 35 ( 100% )
| 780-799 (Latest)
|
Principal borrowed:
| $6,000.00 | < 31 days late:
| 0
( 0% )
| 660-679
(Feb-2008)
|
Principal balance:
| $0.00 |
31+ days late:
| 0
( 0% )
|
Total payments billed:
| 35 | | |
Description
Step Two
This is my second loan from Prosper (hence step 2)
Purpose of loan:
This loan will be used to eliminate Credit Card Debt.
My financial situation:
I have about $6,500 on credit cards and also owe about $4,000 to my brother from grad school days. I would like to repay him before his wedding this summer. I have pretty high credit scores. I also have high credit limits on my credit cards, about $45,000. You can infer as much from my profile. Clearly I am not desperate for more credit. This loan is to eliminate all revolving debt. My income is just under $78,000 a year. After taxes and expenses I have about $2000 left each month. This has helped me reduce my debt. In the past 3 years, I have reduced my debt by around $40,000. I could have reduced it even further, but I started putting some money into a retirement account as well. I have about $25,000 in that TIAA-CREF account now.
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
501535
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:
| $7,600.00 |
Prosper Rating:
| D |
Listing Duration:
| 14 days
|
Minimum Amount to Fund:
| $5,320 |
Estimated loss*:
| 9.80% | | |
Term:
| 60 months | | | | |
|
Lender yield:
| 23.99% |
Borrower rate/APR:
| 24.99% / 27.32% |
Monthly payment:
| $223.03 |
|
Lender servicing fee:
| 1.00% |
Effective Yield*:
| 23.40% | | |
| |
Estimated return*:
| 13.60% | | |
* 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:
| Oct-2006 |
Debt/Income ratio:
| Not calculated |
Credit score:
| 680-699 (Apr-2011) |
Inquiries last 6m:
| 0 | Employment status: | Other |
Now delinquent:
| 0 |
Current / open credit lines:
| 5
/
5 | Length of status: | 4y 7m |
Amount delinquent:
| $0 |
Total credit lines:
| 7 |
Occupation: | Other |
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $4,161 | Stated income: | $1-$24,999 |
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 50% | | |
| |
Homeownership:
| No | | |
Screen name:
| yajtaj |
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 / 3 |
On-time:
| 46 ( 100% )
| 680-699 (Latest)
|
Principal borrowed:
| $7,100.00 | < 31 days late:
| 0
( 0% )
| 680-699
(Mar-2010)
700-719
(Jun-2008)
700-719
(Mar-2008)
|
Principal balance:
| $1,014.62 |
31+ days late:
| 0
( 0% )
|
Total payments billed:
| 46 | | |
Description
My loan for debt consolidation
Purpose of loan:
I have accumulated some debt within my 4.5 years in college. As I close in to graduating in December, I would like to pay off my credit card.
My financial situation:
I am a good candidate for this loan because this is my 3rd loan from Prosper and have a great history in making EVERY payment on time without delinquencies.
My funded listings in the past consist of a loan for a tennis stringing business which has been paid for. I am still getting about $250/month from the stringing service part time because I?m still a student. I am also currently employed as an assistance coach for a high school tennis team as well, which pays $2400 per season.
Monthly net income: $700
Monthly expenses: $550
Housing: $0 (I stay with my parents)
Insurance: $0
Car expenses: $100 Gas, I carpool
Utilities: $0
Phone, cable, internet: $30
Food, entertainment: $100
Clothing, household expenses: $100
Credit cards and other loans: $100
Other expenses: $100
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
501553
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount:
| $10,000.00 |
Prosper Rating:
| A |
Listing Duration:
| 14 days
|
Minimum Amount to Fund:
| $7,000 |
Estimated loss*:
| 3.50% | | |
Term:
| 36 months | | | | |
|
Lender yield:
| 7.90% |
Borrower rate/APR:
| 8.90% / 10.99% |
Monthly payment:
| $317.53 |
|
Lender servicing fee:
| 1.00% |
Effective Yield*:
| 7.88% | | |
| |
Estimated return*:
| 4.38% | | |
* 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:
| 18% |
Credit score:
| 800-819 (Apr-2011) |
Inquiries last 6m:
| 1 | Employment status: | Employed |
Now delinquent:
| 0 |
Current / open credit lines:
| 9
/
7 | Length of status: | 2y 10m |
Amount delinquent:
| $0 |
Total credit lines:
| 32 |
Occupation: | Clergy |
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $337 | Stated income: | $75,000-$99,999 |
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 2% | | |
| |
Homeownership:
| Yes | | |
Screen name:
| wise-exuberant-worth |
Borrower's state:
| Virginia |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Description
Adoption
Purpose of loan:
This loan will be used to fund the addition of a child to our family. We are in the process of adoption and have competed all required paperwork.
My financial situation:
I am a good candidate for this loan because these payments are well within our ability to pay. My wife just took on a position of store manager for a gift shop to provide this opportunity for our family and I maintain a steady position in the US Army.
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
501557
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount:
| $3,000.00 |
Prosper Rating:
| HR |
Listing Duration:
| 14 days
|
Minimum Amount to Fund:
| $2,100 |
Estimated loss*:
| 18.30% | | |
Term:
| 36 months | | | | |
|
Lender yield:
| 30.99% |
Borrower rate/APR:
| 31.99% / 35.64% |
Monthly payment:
| $130.65 |
|
Lender servicing fee:
| 1.00% |
Effective Yield*:
| 29.17% | | |
| |
Estimated return*:
| 10.87% | | |
* 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):
| 4 |
First credit line:
| Jan-1994 |
Debt/Income ratio:
| 12% |
Credit score:
| 640-659 (Apr-2011) |
Inquiries last 6m:
| 8 | Employment status: | Other |
Now delinquent:
| 1 |
Current / open credit lines:
| 3
/
3 | Length of status: | 0y 0m |
Amount delinquent:
| $1,024 |
Total credit lines:
| 35 |
Occupation: | Other |
Public records last 12m / 10y:
| 0/ 1 |
Revolving credit balance:
| $253 | Stated income: | $50,000-$74,999 |
Delinquencies in last 7y:
| 42 |
Bankcard utilization:
| 50% | | |
| |
Homeownership:
| No | | |
Screen name:
| autonomous-return840 |
Borrower's state:
| Arizona |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Description
az title
Purpose of loan:
This loan will be used to...
My financial situation:
I am a good candidate for this loan because...
Monthly net income: $4066
Monthly expenses: $200
Housing: $800
Insurance: $130
Car expenses: $420
Utilities: $200
Phone, cable, internet: $200
Food, entertainment: $400
Clothing, household expenses: $100
Credit cards and other loans: $30
Other expenses: $
100
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
501561
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount:
| $2,000.00 |
Prosper Rating:
| B |
Listing Duration:
| 14 days
|
Minimum Amount to Fund:
| $2,000 |
Estimated loss*:
| 5.95% | | |
Term:
| 36 months | | | | |
|
Lender yield:
| 12.99% |
Borrower rate/APR:
| 13.99% / 16.15% |
Monthly payment:
| $68.35 |
|
Lender servicing fee:
| 1.00% |
Effective Yield*:
| 12.77% | | |
| |
Estimated return*:
| 6.82% | | |
* 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:
| Jul-1991 |
Debt/Income ratio:
| 4% |
Credit score:
| 720-739 (Apr-2011) |
Inquiries last 6m:
| 0 | Employment status: | Employed |
Now delinquent:
| 1 |
Current / open credit lines:
| 4
/
3 | Length of status: | 1y 4m |
Amount delinquent:
| $213 |
Total credit lines:
| 22 |
Occupation: | Professional |
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $379 | Stated income: | $50,000-$74,999 |
Delinquencies in last 7y:
| 27 |
Bankcard utilization:
| 68% | | |
| |
Homeownership:
| Yes | | |
Screen name:
| power-sherpa |
Borrower's state:
| Louisiana |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Description
Motorcycle Loan
Purpose of loan:
This loan will be used to...buy a motorcycle
My financial situation:
I am a good candidate for this loan because...
I have No current auto loans and i am up to date on ALL my bills
Monthly net income: $2,500
Monthly expenses: $1,600
Housing: $600
Insurance: $0
Car expenses: $0
Utilities: $70
Phone, cable, internet: $152
Food, entertainment: $200
Clothing, household expenses: $100
Credit cards and other loans: $100
Other expenses: $
75
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
501579
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount:
| $20,000.00 |
Prosper Rating:
| AA |
Listing Duration:
| 14 days
|
Minimum Amount to Fund:
| $14,000 |
Estimated loss*:
| 1.55% | | |
Term:
| 36 months | | | | |
|
Lender yield:
| 5.55% |
Borrower rate/APR:
| 6.55% / 6.89% |
Monthly payment:
| $613.44 |
|
Lender servicing fee:
| 1.00% |
Effective Yield*:
| 5.55% | | |
| |
Estimated return*:
| 4.00% | | |
* 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:
| Aug-2002 |
Debt/Income ratio:
| 8% |
Credit score:
| 800-819 (Apr-2011) |
Inquiries last 6m:
| 0 | Employment status: | Employed |
Now delinquent:
| 0 |
Current / open credit lines:
| 5
/
5 | Length of status: | 9y 5m |
Amount delinquent:
| $0 |
Total credit lines:
| 17 |
Occupation: | Professional |
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $38,578 | Stated income: | $100,000+ |
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 11% | | |
| |
Homeownership:
| Yes | | |
Screen name:
| majestic-compassion10 |
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
Debt Consolidation
Purpose of loan:
To payoff and consolidate debt from higher interest rate balances without interrupting my current month to month budget situation with my salary.
My financial situation:
I have good credit history, an excellent credit score, low debt-to-income, a minimum of 6 months of cash reserves saved in investments, and good income. This loan will help me save money by paying off a larger amount to my higher interest rate balances immediately.
Please help out, thanks!
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
501585
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:
| D |
Listing Duration:
| 14 days
|
Minimum Amount to Fund:
| $2,800 |
Estimated loss*:
| 10.80% | | |
Term:
| 36 months | | | | |
|
Lender yield:
| 24.99% |
Borrower rate/APR:
| 25.99% / 29.51% |
Monthly payment:
| $161.14 |
|
Lender servicing fee:
| 1.00% |
Effective Yield*:
| 24.37% | | |
| |
Estimated return*:
| 13.57% | | |
* 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):
| 7 |
First credit line:
| Apr-2009 |
Debt/Income ratio:
| 8% |
Credit score:
| 680-699 (Apr-2011) |
Inquiries last 6m:
| 2 | Employment status: | Employed |
Now delinquent:
| 0 |
Current / open credit lines:
| 6
/
6 | Length of status: | 5y 11m |
Amount delinquent:
| $0 |
Total credit lines:
| 7 |
Occupation: | Food Service Manage... |
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $979 | Stated income: | $50,000-$74,999 |
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 48% | | |
| |
Homeownership:
| No | | |
Screen name:
| loan-symphony8 |
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 for Home Improvement
Purpose of loan: Kitchen Remodel
This loan will be used to...Change out stove,oven,refrigerator in kitchen area
My financial situation:strong
I am a good candidate for this loan because... I work 2 jobs. I have roommates who contribute and live very frugal. My car is a Toyota Corolla which is great for insurance and gas costs. I am also very motivated to have AAA credit since everything has been perfect to the t since I started. I don't go out much since I work most of the time.
Most of all I am very conservative with my money and punctual with all of my bills!!!!
Monthly net income: $4,500
Monthly expenses: $1975
Housing: $1165
Insurance: $145
Car expenses: $135
Utilities: $75
Phone, cable, internet: $150
Food, entertainment: $125
Clothing, household expenses: $50
Credit cards and other loans: $0
Other expenses: $200
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
501587
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:
| C |
Listing Duration:
| 14 days
|
Minimum Amount to Fund:
| $10,500 |
Estimated loss*:
| 8.70% | | |
Term:
| 60 months | | | | |
|
Lender yield:
| 21.49% |
Borrower rate/APR:
| 22.49% / 24.76% |
Monthly payment:
| $418.47 |
|
Lender servicing fee:
| 1.00% |
Effective Yield*:
| 20.98% | | |
| |
Estimated return*:
| 12.28% | | |
* 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):
| 7 |
First credit line:
| Sep-2000 |
Debt/Income ratio:
| 11% |
Credit score:
| 820-839 (Apr-2011) |
Inquiries last 6m:
| 3 | Employment status: | Employed |
Now delinquent:
| 0 |
Current / open credit lines:
| 6
/
5 | Length of status: | 1y 10m |
Amount delinquent:
| $0 |
Total credit lines:
| 13 |
Occupation: | Nurse (RN) |
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $1,171 | Stated income: | $75,000-$99,999 |
Delinquencies in last 7y:
| 5 |
Bankcard utilization:
| 17% | | |
| |
Homeownership:
| Yes | | |
Screen name:
| zeke4medic |
Borrower's state:
| Nevada |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Description
Pool
I put myself though college and bought my first house and first car all of which have been pain on time or early, NEVER LATE. Additionally I life with a roommate, she is in the same field and we have lived together for over 5 years. I have a mortgage payment of 1253 dollars which is offset by 877 from my room mate. Our house hold income is close to 160,000 dollars
Monthly net income: $7,434
Monthly expenses: 356
Housing: $1232
Insurance: $187
Car expenses: $423
Utilities: $0 paid by roommate. 200
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
501591
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:
| D |
Listing Duration:
| 14 days
|
Minimum Amount to Fund:
| $2,800 |
Estimated loss*:
| 10.80% | | |
Term:
| 36 months | | | | |
|
Lender yield:
| 24.99% |
Borrower rate/APR:
| 25.99% / 29.51% |
Monthly payment:
| $161.14 |
|
Lender servicing fee:
| 1.00% |
Effective Yield*:
| 24.37% | | |
| |
Estimated return*:
| 13.57% | | |
* 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:
| Sep-2005 |
Debt/Income ratio:
| 40% |
Credit score:
| 700-719 (Apr-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:
| 9 |
Occupation: | Retail Management |
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $2,912 | Stated income: | $25,000-$49,999 |
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 59% | | |
| |
Homeownership:
| Yes | | |
Screen name:
| blazing-wealth339 |
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
Selling home, but need improvements
Purpose of loan: Home improvements to sell home.
This loan will be used to...Make renovations to make home a prime property to be sold very soon. Loan to be used to replace carpet, repaint, and make minor repairs.
My financial situation: Stable and comfortable. Have never had late payments nor have filed bankruptcy. Have been with employer for 6 1/2 years in a very stable position.
I am a good candidate for this loan because... the home will be put up for sale as soon as the money is utilized to make improvements. I currently owe $84,000 on the mortgage for this property. The home is expected to sell between $98,000 to $103,000.
Monthly net income: $2385
Monthly expenses: $1500
Housing: $650
Insurance: $150
Car expenses: $0 - (All transportation costs are re-imbursed by my employer)
Utilities: $200
Phone, cable, internet: $150
Food, entertainment: $150
Clothing, household expenses: $100
Credit cards and other loans: $60
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
501597
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount:
| $5,000.00 |
Prosper Rating:
| D |
Listing Duration:
| 14 days
|
Minimum Amount to Fund:
| $3,500 |
Estimated loss*:
| 9.80% | | |
Term:
| 36 months | | | | |
|
Lender yield:
| 20.99% |
Borrower rate/APR:
| 21.99% / 25.42% |
Monthly payment:
| $190.93 |
|
Lender servicing fee:
| 1.00% |
Effective Yield*:
| 20.48% | | |
| |
Estimated return*:
| 10.68% | | |
* 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:
| Feb-2004 |
Debt/Income ratio:
| Self-employed (DTI Not Calculated) |
Credit score:
| 700-719 (Apr-2011) |
Inquiries last 6m:
| 0 | Employment status: | Self-employed |
Now delinquent:
| 0 |
Current / open credit lines:
| 8
/
6 | Length of status: | 2y 8m |
Amount delinquent:
| $0 |
Total credit lines:
| 14 |
Occupation: | Other |
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $10,674 | Stated income: | $50,000-$74,999 |
Delinquencies in last 7y:
| 1 |
Bankcard utilization:
| 41% | | |
| |
Homeownership:
| No | | |
Screen name:
| emmyquillo |
Borrower's state:
| Ohio |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan history | Payment history | Credit score history |
Active / total loans:
| 0 / 1 |
On-time:
| 27 ( 77% )
| 700-719 (Latest)
|
Principal borrowed:
| $6,000.00 | < 31 days late:
| 8
( 23% )
| 720-739
(Oct-2007)
|
Principal balance:
| $329.56 |
31+ days late:
| 0
( 0% )
|
Total payments billed:
| 35 | | |
Description
Expanding Design Studio
Purpose of loan: This loan will be used to expand my design studio. I'd like to use the loan money to help secure a lease on a physical store front, market my business in my local area by attending bridal & fashion shows, and to buy materials needed to continue designing and producing my bridal & fashion accessories.
My financial situation: I was able to quit my job and become a full time entrepreneur, supporting myself and my husband entirely from online sales. I have also hired my first part time employee, and will have an apparel merchandising intern this summer.
Monthly net income: $ 4,000-5,000
Monthly expenses: $ Approximately $2000-2500.
Housing: $ 500
Insurance: $ 75
Car expenses: $ fuel -- $100/week
Utilities: $ 200-300
Phone, cable, internet: $ 100
Food, entertainment: $ 100-150
Clothing, household expenses: $ 200
Credit cards and other loans: $ 200
Other expenses: 1 part time employee -- $400 monthly
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
501605
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:
| $2,200.00 |
Prosper Rating:
| HR |
Listing Duration:
| 14 days
|
Minimum Amount to Fund:
| $2,200 |
Estimated loss*:
| 18.30% | | |
Term:
| 36 months | | | | |
|
Lender yield:
| 30.99% |
Borrower rate/APR:
| 31.99% / 35.64% |
Monthly payment:
| $95.81 |
|
Lender servicing fee:
| 1.00% |
Effective Yield*:
| 29.17% | | |
| |
Estimated return*:
| 10.87% | | |
* 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):
| 4 |
First credit line:
| Jun-1995 |
Debt/Income ratio:
| >1000% |
Credit score:
| 660-679 (Apr-2011) |
Inquiries last 6m:
| 1 | Employment status: | Employed |
Now delinquent:
| 1 |
Current / open credit lines:
| 6
/
5 | Length of status: | 6y 9m |
Amount delinquent:
| $0 |
Total credit lines:
| 23 |
Occupation: | Other |
Public records last 12m / 10y:
| 1/ 1 |
Revolving credit balance:
| $1,648 | Stated income: | $1-$24,999 |
Delinquencies in last 7y:
| 9 |
Bankcard utilization:
| 36% | | |
| |
Homeownership:
| No | | |
Screen name:
| maypop |
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
Cash-Blankett
Purpose of loan: pay off credit cards, car repairs
This loan will be used to...
My financial situation: I have been employed for 6 1/2 years with at&t mobility the future looks good
I am a good candidate for this loan because... Once I consolidate and pay my credit card this loan will give me a cheaper interest rate.
Monthly net income: $1,570.00
Monthly expenses: $
Housing: $500.00
Insurance: $ 65.00
Car expenses: $ 100.00
Utilities: $ 140.00
Phone, cable, internet: $150.00
Food, entertainment: $ 185.00
Clothing, household expenses: $ 125.00
Credit cards and other loans: $ 150.00
Other expenses: $
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
501621
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:
| $25,000.00 |
Prosper Rating:
| AA |
Listing Duration:
| 14 days
|
Minimum Amount to Fund:
| $17,500 |
Estimated loss*:
| 1.55% | | |
Term:
| 60 months | | | | |
|
Lender yield:
| 8.60% |
Borrower rate/APR:
| 9.60% / 9.82% |
Monthly payment:
| $526.27 |
|
Lender servicing fee:
| 1.00% |
Effective Yield*:
| 8.59% | | |
| |
Estimated return*:
| 7.04% | | |
* 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:
| Jun-2000 |
Debt/Income ratio:
| 9% |
Credit score:
| 760-779 (Apr-2011) |
Inquiries last 6m:
| 0 | Employment status: | Employed |
Now delinquent:
| 0 |
Current / open credit lines:
| 7
/
7 | Length of status: | 1y 3m |
Amount delinquent:
| $0 |
Total credit lines:
| 16 |
Occupation: | Analyst |
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $24,850 | Stated income: | $75,000-$99,999 |
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 61% | | |
| |
Homeownership:
| Yes | | |
Screen name:
| punctual-commerce9 |
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
Chicago
Purpose of loan:
This loan will be used to... fund near term expenses (travel and grad school).
My financial situation:
I am a good candidate for this loan because... I will pay it back. I have never made a late credit card payment in the more than 10 years I have had a credit card, I have never missed a mortgage payment in the 3 years I have owned a home, and the only debt I have (that I don't pay down in full each month) is my mortgage and a HELOC, both tied to the same property - I own two cars, both car loans have been paid off in full.
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
501623
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:
| D |
Listing Duration:
| 14 days
|
Minimum Amount to Fund:
| $10,500 |
Estimated loss*:
| 10.80% | | |
Term:
| 60 months | | | | |
|
Lender yield:
| 27.99% |
Borrower rate/APR:
| 28.99% / 31.42% |
Monthly payment:
| $476.04 |
|
Lender servicing fee:
| 1.00% |
Effective Yield*:
| 27.29% | | |
| |
Estimated return*:
| 16.49% | | |
* 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:
| Nov-1999 |
Debt/Income ratio:
| 15% |
Credit score:
| 640-659 (Apr-2011) |
Inquiries last 6m:
| 0 | Employment status: | Employed |
Now delinquent:
| 0 |
Current / open credit lines:
| 3
/
3 | Length of status: | 8y 0m |
Amount delinquent:
| $0 |
Total credit lines:
| 3 |
Occupation: | Other |
Public records last 12m / 10y:
| 0/ 1 |
Revolving credit balance:
| $351 | Stated income: | $25,000-$49,999 |
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 43% | | |
| |
Homeownership:
| Yes | | |
Screen name:
| glowing-benefit2 |
Borrower's state:
| Oklahoma |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Description
2011 Debt Consolidation
Purpose of loan: This loan will be used to consolidate my debt and lower my overall annual interest rate for my open debt obligations.
This loan will be used to...
My financial situation: Is very good. My delinquencies on my credit report, my home is paid 2 months in advance. I've been at my home for over 12 years and my job over 8 years. I'm in employed in a field that continues to grow at a rapid pace.
I am a good candidate for this loan because... I make decent money thanks to stable field of employment (mobile data/voice communications). Although there?s money to reduce debt, most of it goes towards paying off interest for 4 credit cards; APRs range from 14.24% to 25.99%.
My plan is to pay off the credit cards. Once paid off, cancel 3 of the 4, keeping the one with the lowest interest rate of course.
Debt reduction is my top priority for 2011.
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
501639
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount:
| $3,000.00 |
Prosper Rating:
| D |
Listing Duration:
| 14 days
|
Minimum Amount to Fund:
| $2,100 |
Estimated loss*:
| 10.80% | | |
Term:
| 12 months | | | | |
|
Lender yield:
| 22.99% |
Borrower rate/APR:
| 23.99% / 33.08% |
Monthly payment:
| $283.66 |
|
Lender servicing fee:
| 1.00% |
Effective Yield*:
| 22.43% | | |
| |
Estimated return*:
| 11.63% | | |
* 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:
| Jul-1996 |
Debt/Income ratio:
| 17% |
Credit score:
| 700-719 (Apr-2011) |
Inquiries last 6m:
| 1 | Employment status: | Employed |
Now delinquent:
| 0 |
Current / open credit lines:
| 13
/
11 | Length of status: | 14y 1m |
Amount delinquent:
| $0 |
Total credit lines:
| 24 |
Occupation: | Military Officer |
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $36,228 | Stated income: | $100,000+ |
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 88% | | |
| |
Homeownership:
| Yes | | |
Screen name:
| subtle-fairness8 |
Borrower's state:
| Mississippi |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Description
Small short term loan...
Purpose of loan: Pay off unexpected personal debt
This loan will be used to...pay off a personal debt. I want to pay the person I owe in full and make payments to an actual lender.
My financial situation: Stable with good income.
I am a good candidate for this loan because...I pay all of my bills on time and do not miss payments. I have no negitive info on my credit. I am honorable and will fullfill my debt.
Monthly net income: $8600
Monthly expenses:
Housing: $1700
Insurance: $250
Car expenses: $675
Utilities: $n/a
Phone, cable, internet: $200
Food, entertainment: $500
Clothing, household expenses: $100
Credit cards and other loans: $650
Other expenses: $700
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
501645
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount:
| $10,000.00 |
Prosper Rating:
| B |
Listing Duration:
| 14 days
|
Minimum Amount to Fund:
| $7,000 |
Estimated loss*:
| 5.95% | | |
Term:
| 60 months | | | | |
|
Lender yield:
| 15.99% |
Borrower rate/APR:
| 16.99% / 18.41% |
Monthly payment:
| $248.47 |
|
Lender servicing fee:
| 1.00% |
Effective Yield*:
| 15.71% | | |
| |
Estimated return*:
| 9.76% | | |
* 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-1990 |
Debt/Income ratio:
| 8% |
Credit score:
| 800-819 (Apr-2011) |
Inquiries last 6m:
| 4 | Employment status: | Employed |
Now delinquent:
| 0 |
Current / open credit lines:
| 15
/
13 | Length of status: | 5y 0m |
Amount delinquent:
| $0 |
Total credit lines:
| 43 |
Occupation: | Attorney |
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $10,140 | Stated income: | $100,000+ |
Delinquencies in last 7y:
| 1 |
Bankcard utilization:
| 28% | | |
| |
Homeownership:
| Yes | | |
Screen name:
| subtle-velocity0 |
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
JJ's Auntie
No description was provided by the borrower.
Information in the Description is not verified.