Listing Report:Supplement No. 19 dated May 27, 2011 to Prospectus dated May 17, 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 May 17, 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 May 17, 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
492837
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:
| A |
Listing Duration:
| 14 days
|
|
Minimum Amount to Fund:
| $17,500 |
Estimated loss*:
| 3.80% | | |
|
Term:
| 60 months | | | | |
|
|
Lender yield:
| 13.90% |
Borrower rate/APR:
| 14.90% / 16.29% |
Monthly payment:
| $593.44 |
| |
|
Lender servicing fee:
| 1.00% |
Effective Yield*:
| 13.85% | | |
| |
Estimated return*:
| 10.05% | | |
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
|
Prosper score (1-10):
| 8 |
First credit line:
| Nov-1970 |
Debt/Income ratio:
| 52% |
|
Credit score:
| 760-779 (May-2011) |
Inquiries last 6m:
| 0 | Employment status: | Employed |
|
Now delinquent:
| 0 |
Current / open credit lines:
| 13
/
13 | Length of status: | 30y 4m |
|
Amount delinquent:
| $0 |
Total credit lines:
| 45 |
Occupation: | Professional |
|
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $74,454 | Stated income: | $50,000-$74,999 |
|
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 60% | | |
| | |
Homeownership:
| Yes | | |
|
Screen name:
| brightest-platinum-ladder |
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
LDH
Purpose of loan:
This loan will be used to? debt consolidation
My financial situation:
I am a good candidate for this loan because? I am trying to take care of my obligations
Monthly net income: $ 3514Monthly expenses: $
??Housing: $ 1600
??Insurance: $ 150
??Car expenses: $ 100
??Utilities: $ 50
??Phone, cable, internet: $
??Food, entertainment: $ 400
??Clothing, household expenses $
??Credit cards and other loans: $ 800
??Other expenses: $
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
507781
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:
| 14.99% |
Borrower rate/APR:
| 15.99% / 18.17% |
Monthly payment:
| $527.28 |
| |
|
Lender servicing fee:
| 1.00% |
Effective Yield*:
| 14.73% | | |
| |
Estimated return*:
| 8.78% | | |
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
|
Prosper score (1-10):
| 8 |
First credit line:
| Sep-2001 |
Debt/Income ratio:
| 7% |
|
Credit score:
| 660-679 (May-2011) |
Inquiries last 6m:
| 1 | Employment status: | Employed |
|
Now delinquent:
| 1 |
Current / open credit lines:
| 7
/
7 | Length of status: | 28y 5m |
|
Amount delinquent:
| $552 |
Total credit lines:
| 23 |
Occupation: | Professional |
|
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $5,197 | Stated income: | $100,000+ |
|
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 49% | | |
| | |
Homeownership:
| No | | |
|
Screen name:
| powerful-bill7 |
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
Consolidate paymantes
Purpose of loan: Daughter is going to college
This loan will be used to...
Consolidate payments with a reasonable interest rate
My financial situation:
I am a good candidate for this loan because...
I have been employeed for 25 years at the same company (Merrill Lynch), I am a Vice president as well as office manager.
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
508531
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:
| 14.99% |
Borrower rate/APR:
| 15.99% / 18.17% |
Monthly payment:
| $70.30 |
| |
|
Lender servicing fee:
| 1.00% |
Effective Yield*:
| 14.73% | | |
| |
Estimated return*:
| 8.78% | | |
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
|
Prosper score (1-10):
| 8 |
First credit line:
| Jun-2002 |
Debt/Income ratio:
| 8% |
|
Credit score:
| 700-719 (May-2011) |
Inquiries last 6m:
| 0 | Employment status: | Employed |
|
Now delinquent:
| 0 |
Current / open credit lines:
| 3
/
3 | Length of status: | 1y 6m |
|
Amount delinquent:
| $0 |
Total credit lines:
| 4 |
Occupation: | Other |
|
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $59 | Stated income: | $1-$24,999 |
|
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 19% | | |
| | |
Homeownership:
| No | | |
|
Screen name:
| wise-phenomenal-money |
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
Videographer Equip
Purpose of loan:
A camera and basic accessories.
My financial situation:
I have been working for a TV station for a bit over a year and a half now. My employer is willing to pay extra if I can provide my own camera. I am able to pay the loan on my current wages but could earn an extra $300 a month.
Monthly net income: $ 1300
Monthly expenses: $ 900
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
508663
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:
| $9,500.00 |
Prosper Rating:
| D |
Listing Duration:
| 14 days
|
|
Minimum Amount to Fund:
| $6,650 |
Estimated loss*:
| 11.20% | | |
|
Term:
| 36 months | | | | |
|
|
Lender yield:
| 25.99% |
Borrower rate/APR:
| 26.99% / 30.53% |
Monthly payment:
| $387.79 |
| |
|
Lender servicing fee:
| 1.00% |
Effective Yield*:
| 25.34% | | |
| |
Estimated return*:
| 14.14% | | |
* 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-1988 |
Debt/Income ratio:
| 32% |
|
Credit score:
| 680-699 (May-2011) |
Inquiries last 6m:
| 1 | Employment status: | Employed |
|
Now delinquent:
| 0 |
Current / open credit lines:
| 16
/
13 | Length of status: | 13y 0m |
|
Amount delinquent:
| $0 |
Total credit lines:
| 42 |
Occupation: | Computer Programmer |
|
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $86,931 | Stated income: | $75,000-$99,999 |
|
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 62% | | |
| | |
Homeownership:
| Yes | | |
|
Screen name:
| camaraderi-maximizer |
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
Debt Consolidation
Purpose of loan: Debt Consolidation
This loan will be used to consolidate credit card debt incurred while my father went through a heart transplant. My extended family has graciously helped me pay off a lot of the debt but I still have about $9500 to go. As you can see below my monthly income is more than sufficient to pay the payments necessary for the loan. I have never miss payments and have a secure job.
Monthly net income: $ 7710
Monthly expenses: $ 4500
Housing: $ 1860
Insurance: $ 300
Car expenses: $ 338
Utilities: $150
Phone, cable, internet: $ 0
Food, entertainment: $ 100
Clothing, household expenses: $ 0
Credit cards $ 1000 (this is as of today this will go down to the loan level once obtained)
Other expenses: $ 500 (spending money)
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
508675
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*:
| 10.00% | | |
|
Term:
| 36 months | | | | |
|
|
Lender yield:
| 22.99% |
Borrower rate/APR:
| 23.99% / 27.47% |
Monthly payment:
| $78.46 |
| |
|
Lender servicing fee:
| 1.00% |
Effective Yield*:
| 22.43% | | |
| |
Estimated return*:
| 12.43% | | |
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
|
Prosper score (1-10):
| 5 |
First credit line:
| Apr-2007 |
Debt/Income ratio:
| Not calculated |
|
Credit score:
| 620-639 (May-2011) |
Inquiries last 6m:
| 1 | Employment status: | Employed |
|
Now delinquent:
| 0 |
Current / open credit lines:
| 4
/
4 | Length of status: | 2y 6m |
|
Amount delinquent:
| $0 |
Total credit lines:
| 6 |
Occupation: | Student - Community... |
|
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $3,627 | Stated income: | $1-$24,999 |
|
Delinquencies in last 7y:
| 1 |
Bankcard utilization:
| 68% | | |
| | |
Homeownership:
| No | | |
|
Screen name:
| responsibility-reaction |
Borrower's state:
| California |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
| Loan history | Payment history | Credit score history |
|
Active / total loans:
| 1 / 1 |
On-time:
| 10 ( 63% )
| 620-639 (Latest)
|
|
Principal borrowed:
| $1,000.00 | < 31 days late:
| 3
( 19% )
| 640-659
(Dec-2009)
640-659
(Oct-2009)
|
|
Principal balance:
| $685.56 |
31+ days late:
| 3
( 19% )
|
|
Total payments billed:
| 16 | | |
Description
Debt Consolidation
No description was provided by the borrower.
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
508709
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:
| HR |
Listing Duration:
| 14 days
|
|
Minimum Amount to Fund:
| $2,000 |
Estimated loss*:
| 20.30% | | |
|
Term:
| 36 months | | | | |
|
|
Lender yield:
| 30.99% |
Borrower rate/APR:
| 31.99% / 35.64% |
Monthly payment:
| $87.10 |
| |
|
Lender servicing fee:
| 1.00% |
Effective Yield*:
| 29.17% | | |
| |
Estimated return*:
| 8.87% | | |
* 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):
| 2 |
First credit line:
| Mar-2001 |
Debt/Income ratio:
| 3% |
|
Credit score:
| 640-659 (May-2011) |
Inquiries last 6m:
| 8 | Employment status: | Employed |
|
Now delinquent:
| 0 |
Current / open credit lines:
| 2
/
2 | Length of status: | 1y 4m |
|
Amount delinquent:
| $0 |
Total credit lines:
| 7 |
Occupation: | Other |
|
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $20 | Stated income: | $25,000-$49,999 |
|
Delinquencies in last 7y:
| 4 |
Bankcard utilization:
| 3% | | |
| | |
Homeownership:
| No | | |
|
Screen name:
| MIEKO |
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
Fast Return on Investment - HM IMPR
Purpose of loan: Home Improvments
This loan will be used to...
Lay new tile floors in our house.
My financial situation: I have a great job however most of my savings went towards closing cost for my new house and now I am needing money for improvments.
I am a good candidate for this loan because... I work full time and make payments on time. I am going to be paying off this loan within the next two months so you will be getting your investment back quicker therefore you can invest in other people. I would appreciate the loan very much...
Thank You ALL !!!!
Monthly net income: $ 4,000
Monthly expenses: $ 1200
Housing: $ 900
Insurance: $ 0
Car expenses: $ 0
Utilities: $ 60
Phone, cable, internet: $ 0
Food, entertainment: $ 100
Clothing, household expenses: $ 100
Credit cards and other loans: $ 0
Other expenses: $ 0
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
508755
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*:
| 20.30% | | |
|
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*:
| 8.87% | | |
* 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):
| 1 |
First credit line:
| Aug-1966 |
Debt/Income ratio:
| 78% |
|
Credit score:
| 720-739 (May-2011) |
Inquiries last 6m:
| 2 | Employment status: | Other |
|
Now delinquent:
| 0 |
Current / open credit lines:
| 11
/
9 | Length of status: | 11y 5m |
|
Amount delinquent:
| $0 |
Total credit lines:
| 38 |
Occupation: | Other |
|
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $37,676 | Stated income: | $50,000-$74,999 |
|
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 97% | | |
| | |
Homeownership:
| No | | |
|
Screen name:
| visionary-investment3 |
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
tle1042
Purpose of loan:
This loan will be used to...sell off my truck and get out of a $525 month vehicle payment - I owe more than the market will allow on sale and I need to pay the difference.
My financial situation: Wachovia Bank until 6/11 then Well Fargo merger takes effect
I am a good candidate for this loan because... I have not been behind in any payment for over 35 years presently current on all payments, present fico sore 720 however due to loss of income over the past year and half from a part time job it is becoming very difficult to keep everything current. To prevent me from filing bankruptcy I am selling my truck.
Monthly net income: $6249.18
Monthly expenses: average $6000
Housing: $1900.00
Insurance: $1000, car, health, home
Car expenses: $2 car payments 303 & 525
Utilities: $220
Phone, cable, internet: $300
Food, entertainment: $350
Clothing, household expenses: $300
Credit cards and other loans: $1700
Other expenses: $350
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
508797
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:
| HR |
Listing Duration:
| 14 days
|
|
Minimum Amount to Fund:
| $2,800 |
Estimated loss*:
| 20.30% | | |
|
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*:
| 29.17% | | |
| |
Estimated return*:
| 8.87% | | |
* 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):
| 1 |
First credit line:
| Oct-1997 |
Debt/Income ratio:
| Self-employed (DTI Not Calculated) |
|
Credit score:
| 640-659 (May-2011) |
Inquiries last 6m:
| 0 | Employment status: | Self-employed |
|
Now delinquent:
| 1 |
Current / open credit lines:
| 13
/
12 | Length of status: | 8y 8m |
|
Amount delinquent:
| $92 |
Total credit lines:
| 39 |
Occupation: | Teacher |
|
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $17,733 | Stated income: | $100,000+ |
|
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 91% | | |
| | |
Homeownership:
| No | | |
|
Screen name:
| worldly-peace3 |
Borrower's state:
| Connecticut |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Description
Immediate need for unexpected expen
Purpose of loan:
This loan will be used to...
My financial situation:
I am a good candidate for this loan because...
Monthly net income: $9200
Monthly expenses: $1400
Housing: $800
Insurance: $120
Car expenses: $275
Utilities: $75
Phone, cable, internet: $100
Food, entertainment: $
Clothing, household expenses: $
Credit cards and other loans: $825
Other expenses: $150
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
508853
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:
| HR |
Listing Duration:
| 14 days
|
|
Minimum Amount to Fund:
| $2,800 |
Estimated loss*:
| 20.30% | | |
|
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*:
| 29.17% | | |
| |
Estimated return*:
| 8.87% | | |
* 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):
| 1 |
First credit line:
| Sep-1993 |
Debt/Income ratio:
| 45% |
|
Credit score:
| 640-659 (May-2011) |
Inquiries last 6m:
| 3 | Employment status: | Employed |
|
Now delinquent:
| 1 |
Current / open credit lines:
| 5
/
5 | Length of status: | 2y 3m |
|
Amount delinquent:
| $1,317 |
Total credit lines:
| 14 |
Occupation: | Retail Management |
|
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $999 | Stated income: | $25,000-$49,999 |
|
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 66% | | |
| | |
Homeownership:
| Yes | | |
|
Screen name:
| popcorn79 |
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
My loan for home improvement
Purpose of loan: Home Improvement/pay off bills
This loan will be used to...Home Improvement and pay off bills
My financial situation: good
I am a good candidate for this loan because...I am truthworthy and I always pay my bills.
Monthly net income: $4,628 (which includes wife income)
Monthly expenses: $3,593
Housing: $1,300
Insurance: $278.00
Car expenses: $750.00
Utilities: $160.00
Phone, cable, internet: $246.00
Food, entertainment: $300.00
Clothing, household expenses: $0
Credit cards and other loans: $175.00
Other expenses: $184.00
Gas: $200.00
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
508943
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:
| HR |
Listing Duration:
| 14 days
|
|
Minimum Amount to Fund:
| $2,000 |
Estimated loss*:
| 20.30% | | |
|
Term:
| 36 months | | | | |
|
|
Lender yield:
| 30.99% |
Borrower rate/APR:
| 31.99% / 35.64% |
Monthly payment:
| $87.10 |
| |
|
Lender servicing fee:
| 1.00% |
Effective Yield*:
| 29.17% | | |
| |
Estimated return*:
| 8.87% | | |
* 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):
| 2 |
First credit line:
| Jun-1990 |
Debt/Income ratio:
| 4% |
|
Credit score:
| 680-699 (May-2011) |
Inquiries last 6m:
| 6 | Employment status: | Employed |
|
Now delinquent:
| 0 |
Current / open credit lines:
| 2
/
2 | Length of status: | 0y 8m |
|
Amount delinquent:
| $944 |
Total credit lines:
| 3 |
Occupation: | Food Service |
|
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $96 | Stated income: | $25,000-$49,999 |
|
Delinquencies in last 7y:
| 3 |
Bankcard utilization:
| 0% | | |
| | |
Homeownership:
| No | | |
|
Screen name:
| first-balance-stream |
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
Never Been Ahead.....
Purpose of loan:
Clearing my debt
My financial situation:
I have a secure job at one of the most popular restaurants in Dallas. I work very hard and put in many hours.
Monthly net income: $3000
Monthly expenses: $0
Housing: $808
Insurance: $0
Car expenses: $0
Utilities: $100
Phone, cable, internet: $80
Food, entertainment: $200
Clothing, household expenses: $50
Credit cards and other loans: $0
Other expenses: $0
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
508967
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
|
Amount:
| $8,500.00 |
Prosper Rating:
| D |
Listing Duration:
| 14 days
|
|
Minimum Amount to Fund:
| $5,950 |
Estimated loss*:
| 11.20% | | |
|
Term:
| 60 months | | | | |
|
|
Lender yield:
| 29.49% |
Borrower rate/APR:
| 30.49% / 32.96% |
Monthly payment:
| $277.57 |
| |
|
Lender servicing fee:
| 1.00% |
Effective Yield*:
| 28.75% | | |
| |
Estimated return*:
| 17.55% | | |
* 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:
| Oct-1982 |
Debt/Income ratio:
| 35% |
|
Credit score:
| 720-739 (May-2011) |
Inquiries last 6m:
| 1 | Employment status: | Employed |
|
Now delinquent:
| 2 |
Current / open credit lines:
| 14
/
13 | Length of status: | 4y 10m |
|
Amount delinquent:
| $114 |
Total credit lines:
| 39 |
Occupation: | Sales - Commission |
|
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $20,944 | Stated income: | $50,000-$74,999 |
|
Delinquencies in last 7y:
| 2 |
Bankcard utilization:
| 71% | | |
| | |
Homeownership:
| Yes | | |
|
Screen name:
| thorough-deal038 |
Borrower's state:
| Oregon |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Description
solo1212
Purpose of loan:
This loan will be used to...
My financial situation:
I am a good candidate for this loan because...
Monthly net income: $6650
Monthly expenses: $400
Housing: $1300
Insurance: $250
Car expenses: $200
Utilities: $150
Phone, cable, internet: $250
Food, entertainment: $100
Clothing, household expenses: $150
Credit cards and other loans: $1500
Other expenses: $300
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
508552
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*:
| 11.20% | | |
|
Term:
| 36 months | | | | |
|
|
Lender yield:
| 25.99% |
Borrower rate/APR:
| 26.99% / 30.53% |
Monthly payment:
| $102.05 |
| |
|
Lender servicing fee:
| 1.00% |
Effective Yield*:
| 25.34% | | |
| |
Estimated return*:
| 14.14% | | |
* 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:
| 3% |
|
Credit score:
| 680-699 (May-2011) |
Inquiries last 6m:
| 0 | Employment status: | Employed |
|
Now delinquent:
| 0 |
Current / open credit lines:
| 1
/
1 | Length of status: | 4y 0m |
|
Amount delinquent:
| $0 |
Total credit lines:
| 2 |
Occupation: | Professional |
|
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $1,596 | Stated income: | $50,000-$74,999 |
|
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 79% | | |
| | |
Homeownership:
| No | | |
|
Screen name:
| income-orb3 |
Borrower's state:
| DistrictOfColumbia |
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
Looking to buy a vehicle
Purpose of loan:
This loan will be used to purchase a used vehicle. I'm thinking an older-model Jeep, in case you're curious.
My financial situation:
-I am a good candidate for this loan because I make a decent salary and also supplement my income with frequent freelance writing.
-My credit history is pretty spot-free except for a few blemishes that resulted from unpaid parking tickets a few months ago. Those fees have been resolved, though they've left a mark on my otherwise good credit history. I have a perfect record of paying my credit card and other bills on time.
Monthly net income: $3600-$3800 (depending on freelance workload)
Monthly expenses: ~$2000
Housing: $1294
Insurance: $100
Car expenses: $50 (predicted)
Utilities: $0 (included in my rent)
Phone, cable, internet: 100
Food, entertainment: $300
Clothing, household expenses: $100
Credit cards and other loans: $40
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
508642
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:
| HR |
Listing Duration:
| 14 days
|
|
Minimum Amount to Fund:
| $2,800 |
Estimated loss*:
| 20.30% | | |
|
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*:
| 29.17% | | |
| |
Estimated return*:
| 8.87% | | |
* 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):
| 3 |
First credit line:
| Jan-1953 |
Debt/Income ratio:
| 55% |
|
Credit score:
| 640-659 (May-2011) |
Inquiries last 6m:
| 0 | Employment status: | Employed |
|
Now delinquent:
| 2 |
Current / open credit lines:
| 9
/
8 | Length of status: | 0y 11m |
|
Amount delinquent:
| $2,791 |
Total credit lines:
| 16 |
Occupation: | Other |
|
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $3,471 | Stated income: | $25,000-$49,999 |
|
Delinquencies in last 7y:
| 7 |
Bankcard utilization:
| 92% | | |
| | |
Homeownership:
| Yes | | |
|
Screen name:
| social-celebration7 |
Borrower's state:
| Kentucky |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Description
shot
Purpose of loan: debt
This loan will be used to... pay accounts up to date and payoff small credit cards
My financial situation:
I am a good candidate for this loan because...because I am part owner of a finance company and know the importance of good credit, There were unforeseen financial circumstances when opening office and a couple of medical issues just prior to opening office that got my credit in the decline. I would like to restore my credit rating. If anyone is concerned about me filing bankruptcy, that would never occur. It would jeopardize my business license and I would lose my license to sell insurance products on my loans.
Monthly net income: $4200
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
508648
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*:
| 11.20% | | |
|
Term:
| 36 months | | | | |
|
|
Lender yield:
| 25.99% |
Borrower rate/APR:
| 26.99% / 30.53% |
Monthly payment:
| $612.30 |
| |
|
Lender servicing fee:
| 1.00% |
Effective Yield*:
| 25.34% | | |
| |
Estimated return*:
| 14.14% | | |
* 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:
| Oct-1990 |
Debt/Income ratio:
| 43% |
|
Credit score:
| 720-739 (May-2011) |
Inquiries last 6m:
| 1 | Employment status: | Employed |
|
Now delinquent:
| 0 |
Current / open credit lines:
| 6
/
6 | Length of status: | 3y 8m |
|
Amount delinquent:
| $0 |
Total credit lines:
| 24 |
Occupation: | Administrative Assi... |
|
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $594 | Stated income: | $25,000-$49,999 |
|
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 5% | | |
| | |
Homeownership:
| No | | |
|
Screen name:
| piccolo416 |
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
MEESHA1288
Purpose of loan:
This loan will be used to consolidate and lower monthly payments.
My financial situation:
I am a good candidate for this loan because I am a full time employee and have good standing with my job.
Monthly net income: $2800.00
Monthly expenses:
Housing: $700
Insurance: $140.00
Car expenses: $140.00
Utilities: $60
Phone, cable, internet: $200
Food, entertainment: $200
Clothing, household expenses: $200
Credit cards and other loans: $1400.00
Other expenses: $
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
508684
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
|
Amount:
| $12,500.00 |
Prosper Rating:
| AA |
Listing Duration:
| 14 days
|
|
Minimum Amount to Fund:
| $8,750 |
Estimated loss*:
| 1.95% | | |
|
Term:
| 36 months | | | | |
|
|
Lender yield:
| 7.99% |
Borrower rate/APR:
| 8.99% / 9.33% |
Monthly payment:
| $397.44 |
| |
|
Lender servicing fee:
| 1.00% |
Effective Yield*:
| 7.99% | | |
| |
Estimated return*:
| 6.04% | | |
* 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-1996 |
Debt/Income ratio:
| 7% |
|
Credit score:
| 740-759 (Apr-2011) |
Inquiries last 6m:
| 1 | Employment status: | Employed |
|
Now delinquent:
| 1 |
Current / open credit lines:
| 6
/
5 | Length of status: | 10y 3m |
|
Amount delinquent:
| $0 |
Total credit lines:
| 19 |
Occupation: | Police Officer/Corr... |
|
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $431 | Stated income: | $75,000-$99,999 |
|
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 1% | | |
| | |
Homeownership:
| No | | |
|
Screen name:
| best-thoughtful-wealth |
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
Great credit and no real debt
Purpose of loan:
This loan will be used to... continue to grow and expand our business.
My brother and I began buying rehab properties in the Salt Lake City Area last fall. I put in an initial 25K to start the company. My brother who lives in Utah, finds the properties and then manages the rehab and sale of each property.
We have rehabbed 5 properties since last fall, and have made a little over 50K. We have an established model that we use in determining which properties we buy to minimize risk.
Currently, our average hold time on a property is 82 days.
We are now ready to take the next step and more than one project at a time. We are looking for a some additional seed capital to help us take the next step.
My financial situation:
I am a good candidate for this loan because...I have a stable job and income and no debt to speak of. I have been on the job for more than 10 years.
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
508758
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:
| HR |
Listing Duration:
| 14 days
|
|
Minimum Amount to Fund:
| $2,800 |
Estimated loss*:
| 20.30% | | |
|
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*:
| 29.17% | | |
| |
Estimated return*:
| 8.87% | | |
* 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):
| 3 |
First credit line:
| Jan-1993 |
Debt/Income ratio:
| Self-employed (DTI Not Calculated) |
|
Credit score:
| 640-659 (May-2011) |
Inquiries last 6m:
| 0 | Employment status: | Self-employed |
|
Now delinquent:
| 1 |
Current / open credit lines:
| 3
/
3 | Length of status: | 3y 11m |
|
Amount delinquent:
| $52 |
Total credit lines:
| 9 |
Occupation: | Sales - Retail |
|
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $7,808 | Stated income: | $50,000-$74,999 |
|
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 104% | | |
| | |
Homeownership:
| No | | |
|
Screen name:
| mrsmerty |
Borrower's state:
| Oregon |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Description
Inventory Loan
Purpose of loan:
This loan will be used to...
Acquire Inventory in a new retail category for my store
My financial situation: Good Business Daily Sales, and A Steady second source of income
I am a good candidate for this loan because...
I have been in business for 4 years, and Have a vast knowledge of my communities needs
Monthly net income: $4500
Monthly expenses: $2000
Housing: $450
Insurance: $56
Car expenses: $30
Utilities: $125
Phone, cable, internet: $0
Food, entertainment: $30
Clothing, household expenses: $25
Credit cards and other loans: $400
Other expenses: $0
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
508776
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:
| HR |
Listing Duration:
| 14 days
|
|
Minimum Amount to Fund:
| $2,800 |
Estimated loss*:
| 20.30% | | |
|
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*:
| 29.17% | | |
| |
Estimated return*:
| 8.87% | | |
* 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):
| 2 |
First credit line:
| Mar-1989 |
Debt/Income ratio:
| 30% |
|
Credit score:
| 640-659 (May-2011) |
Inquiries last 6m:
| 4 | Employment status: | Employed |
|
Now delinquent:
| 1 |
Current / open credit lines:
| 5
/
4 | Length of status: | 4y 6m |
|
Amount delinquent:
| $42 |
Total credit lines:
| 12 |
Occupation: | Computer Programmer |
|
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $658 | Stated income: | $1-$24,999 |
|
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 1% | | |
| | |
Homeownership:
| No | | |
|
Screen name:
| diversification-encourager7 |
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
Living and Car Repair Loan
Purpose of loan:
General living expenses, car repairs, and emergencies.
My financial situation:
In a few months I will be hired on for full-time employment at the university department which I work at. It will be a computer programming position and my salary will more than cover the loan repayments. This loan will help to bridge the gap between graduation from college and full-time employment. Once my car is fixed I will not be using funds from this loan to pay for car expenses or insurance. My family will help to cover additional costs. I have experience with Peer 2 Peer lending and have always made my payments on time.
I will apply a portion of my tax refund check (around $2000) toward this loan. And click here to view the website for my office of employment: http://clear.unt.edu/
Thank you for your consideration.
Monthly net income: $ 750
Housing: $ 345
Utilities: $ 30
Phone, cable, internet: $ 20
Food, entertainment: $ 50
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
508800
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:
| HR |
Listing Duration:
| 14 days
|
|
Minimum Amount to Fund:
| $2,500 |
Estimated loss*:
| 20.30% | | |
|
Term:
| 36 months | | | | |
|
|
Lender yield:
| 30.99% |
Borrower rate/APR:
| 31.99% / 35.64% |
Monthly payment:
| $108.87 |
| |
|
Lender servicing fee:
| 1.00% |
Effective Yield*:
| 29.17% | | |
| |
Estimated return*:
| 8.87% | | |
* 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):
| 1 |
First credit line:
| Mar-1992 |
Debt/Income ratio:
| 19% |
|
Credit score:
| 640-659 (May-2011) |
Inquiries last 6m:
| 10 | Employment status: | Employed |
|
Now delinquent:
| 3 |
Current / open credit lines:
| 6
/
6 | Length of status: | 3y 2m |
|
Amount delinquent:
| $2,947 |
Total credit lines:
| 37 |
Occupation: | Professional |
|
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $80,055 | Stated income: | $75,000-$99,999 |
|
Delinquencies in last 7y:
| 7 |
Bankcard utilization:
| 24% | | |
| | |
Homeownership:
| Yes | | |
|
Screen name:
| Brooklyn-Born |
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
Getting & Keeping Finances on Track
Purpose of loan:
This loan will be used to keep my finances on track and get last cc & high interest absent from sight.
My financial situation:
I am a great candidate for this loan because I have done all to get financial standing where it needs to be. Everyone knows once you have a bad financial past its hard to reestablish your credit life.
It hasn't been easy but I am always there. It has been difficulty to get a chance to do what is neccesary to get back on track.
Thank you for your consideration and hope you will help me
Monthly net income: $ 6200
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
508910
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:
| HR |
Listing Duration:
| 14 days
|
|
Minimum Amount to Fund:
| $2,800 |
Estimated loss*:
| 20.30% | | |
|
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*:
| 29.17% | | |
| |
Estimated return*:
| 8.87% | | |
* 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):
| 3 |
First credit line:
| Nov-1993 |
Debt/Income ratio:
| 46% |
|
Credit score:
| 700-719 (May-2011) |
Inquiries last 6m:
| 3 | Employment status: | Employed |
|
Now delinquent:
| 0 |
Current / open credit lines:
| 9
/
7 | Length of status: | 4y 2m |
|
Amount delinquent:
| $0 |
Total credit lines:
| 20 |
Occupation: | Other |
|
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $21,536 | Stated income: | $25,000-$49,999 |
|
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 85% | | |
| | |
Homeownership:
| Yes | | |
|
Screen name:
| ore-gusto |
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
508910
Purpose of loan:
This loan will be used to Consolidate other debt
My financial situation: Stable
I am a good candidate for this loan because I have a full time job, don't use credit cards and make payments on time. I Also have spouse that works full time too
Monthly net income: $ 3000.00
Monthly expenses: $
Housing: $
Insurance: $ 100.00
Car expenses: $ 100.00
Utilities: $120.00
Phone, cable, internet: $60.00
Food, entertainment: $200.00
Clothing, household expenses: $20.00
Credit cards and other loans: $700.00
Other expenses: $
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
508922
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
|
Amount:
| $2,500.00 |
Prosper Rating:
| E |
Listing Duration:
| 14 days
|
|
Minimum Amount to Fund:
| $2,500 |
Estimated loss*:
| 14.70% | | |
|
Term:
| 36 months | | | | |
|
|
Lender yield:
| 30.99% |
Borrower rate/APR:
| 31.99% / 35.64% |
Monthly payment:
| $108.87 |
| |
|
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:
| Oct-2005 |
Debt/Income ratio:
| 40% |
|
Credit score:
| 640-659 (May-2011) |
Inquiries last 6m:
| 2 | Employment status: | Employed |
|
Now delinquent:
| 0 |
Current / open credit lines:
| 8
/
8 | Length of status: | 0y 0m |
|
Amount delinquent:
| $0 |
Total credit lines:
| 13 |
Occupation: | Other |
|
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $4,125 | Stated income: | $1-$24,999 |
|
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 49% | | |
| | |
Homeownership:
| No | | |
|
Screen name:
| liberty-fan1 |
Borrower's state:
| NewYork |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Description
Debt consolidation
Purpose of loan:
This loan will be used to consolidate my credit debt. In the past, I wasn't too careful about credit card usage. Now, years later, I have become responsible with my money and credit cards, but with minimum payments only paying off this month's interest, I feel stuck under credit card debt. Also, with high balances, my credit score is hurting.
My financial situation:
I am a good candidate for this loan because I have never missed a loan payment. I make sure all of my bills are paid timely each month. I have been employed continuously for the last six years.
Monthly net income: $1469
Monthly expenses: $1100
Housing: $0 (live with parents)
Insurance: $110
Car expenses: $150
Utilities: $0
Phone, cable, internet: $40
Food, entertainment: $150
Clothing, household expenses: $0
Credit cards and other loans: $620
Other expenses: $30
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
508934
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:
| A |
Listing Duration:
| 14 days
|
|
Minimum Amount to Fund:
| $6,000 |
Estimated loss*:
| 2.60% | | |
|
Term:
| 36 months | | | | |
|
|
Lender yield:
| 9.29% |
Borrower rate/APR:
| 10.29% / 12.40% |
Monthly payment:
| $194.42 |
| |
|
Lender servicing fee:
| 1.00% |
Effective Yield*:
| 9.26% | | |
| |
Estimated return*:
| 6.66% | | |
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
|
Prosper score (1-10):
| 9 |
First credit line:
| Dec-2003 |
Debt/Income ratio:
| 21% |
|
Credit score:
| 760-779 (May-2011) |
Inquiries last 6m:
| 1 | Employment status: | Employed |
|
Now delinquent:
| 0 |
Current / open credit lines:
| 17
/
16 | Length of status: | 5y 8m |
|
Amount delinquent:
| $0 |
Total credit lines:
| 27 |
Occupation: | Retail Management |
|
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $12,117 | Stated income: | $50,000-$74,999 |
|
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 25% | | |
| | |
Homeownership:
| Yes | | |
|
Screen name:
| hershel142 |
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.
Prosper Activity
| Loan history | Payment history | Credit score history |
|
Active / total loans:
| 1 / 2 |
On-time:
| 46 ( 100% )
| 760-779 (Latest)
|
|
Principal borrowed:
| $13,000.00 | < 31 days late:
| 0
( 0% )
| 720-739
(May-2010)
680-699
(Jan-2007)
|
|
Principal balance:
| $6,188.24 |
31+ days late:
| 0
( 0% )
|
|
Total payments billed:
| 46 | | |
Description
Refi Prosper Loan with High Rate
Purpose of loan:
This loan will be used to pay the previous Prosper loan with an APR of 26% that was recieved 1 yr ago. This will drop the monthly payments from $325.00 to $195.00. This loan will be paid off early due to the fact that the monthly paymnets will be in the amount of $225.00. This will keep the term of the new loan the same as the previous one and save $530.00 in interest.
My financial situation:
I am a good candidate for this loan because I have a steady income of $4600.00 every month AFTER taxes. I have monthly bill payments of :
House 600.00
Utlilties 300.00
Car 400.00
Prosper 325.00
Food/Extra 600.00
TOTAL:$2225.00/Month
I live within my means and I like to save my money. I also like to get the best rate possible for any debt. I take pride in making every payment on time and keeping all my finances in line. I also take pride in maintaining good credit ratings and credit history. Thank you for your time.
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
508970
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*:
| 20.30% | | |
|
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*:
| 8.87% | | |
* 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):
| 1 |
First credit line:
| Sep-2003 |
Debt/Income ratio:
| 43% |
|
Credit score:
| 640-659 (May-2011) |
Inquiries last 6m:
| 6 | Employment status: | Employed |
|
Now delinquent:
| 2 |
Current / open credit lines:
| 16
/
14 | Length of status: | 3y 10m |
|
Amount delinquent:
| $15,469 |
Total credit lines:
| 42 |
Occupation: | Administrative Assi... |
|
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $2,703 | Stated income: | $25,000-$49,999 |
|
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 19% | | |
| | |
Homeownership:
| Yes | | |
|
Screen name:
| friendly-nickel1 |
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
Debt consolidation
Purpose of loan: To get out of debt
This loan will be used to... Pay all my bills.
Currently there is a 14,000 showing on my credit report and that is false. I am currenly working on this issue now. This 14,000 was a workmen comp claim and one did not want to pay my bill so I got billed instead.
My financial situation: Could be better
I am a good candidate for this loan because...
I am determine to pay off my credit cards I just need a little help.
Monthly net income: $ 2750
Monthly expenses: $ 1570
Housing: $ 575
Insurance: $ 65
Car expenses: $
Utilities: $ 180
Phone, cable, internet: $ 200
Food, entertainment: $ 40
Clothing, household expenses: $ 200
Credit cards and other loans: 180
Other expenses: $
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
508982
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:
| $9,000.00 |
Prosper Rating:
| D |
Listing Duration:
| 14 days
|
|
Minimum Amount to Fund:
| $6,300 |
Estimated loss*:
| 11.20% | | |
|
Term:
| 36 months | | | | |
|
|
Lender yield:
| 25.99% |
Borrower rate/APR:
| 26.99% / 30.53% |
Monthly payment:
| $367.38 |
| |
|
Lender servicing fee:
| 1.00% |
Effective Yield*:
| 25.34% | | |
| |
Estimated return*:
| 14.14% | | |
* 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-1990 |
Debt/Income ratio:
| Not calculated |
|
Credit score:
| 700-719 (May-2011) |
Inquiries last 6m:
| 4 | Employment status: | Not employed |
|
Now delinquent:
| 1 |
Current / open credit lines:
| 3
/
3 | Length of status: | 0y 9m |
|
Amount delinquent:
| $64 |
Total credit lines:
| 13 | Stated income: | Not employed |
|
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $2,143 | |
|
Delinquencies in last 7y:
| 7 |
Bankcard utilization:
| 4% | | |
| | |
Homeownership:
| No | | |
|
Screen name:
| cerebral-pound |
Borrower's state:
| Minnesota |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Description
Home Improvement
Purpose of loan: Home Improvements
This loan will be used to...
Complete kitchen in condo, make other necessary fixes throughout home.
My financial situation:
I am a good candidate for this loan because...
I have a part time job in construction that pay in cash and will more than pay my monthly payment while I continue my college education. This way I don't have to wait until I graduate to have working appliances in my home.
Monthly net income: $1400.00
Monthly expenses:
Housing: $375
Insurance: $200
Car expenses: $25
Utilities: $70
Phone, cable, internet: $100
Food, entertainment: $125
Clothing, household expenses: $50
Credit cards and other loans: $75
Other expenses: $100
Information in the Description is not verified.