Listing Report:Supplement No. 27 dated Jun 01, 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
495898
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:
| $5,300.00 |
Prosper Rating:
| B |
Listing Duration:
| 14 days
|
|
Minimum Amount to Fund:
| $3,710 |
Estimated loss*:
| 5.95% | | |
|
Term:
| 36 months | | | | |
|
|
Lender yield:
| 14.99% |
Borrower rate/APR:
| 15.99% / 18.17% |
Monthly payment:
| $186.31 |
| |
|
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:
| Aug-1977 |
Debt/Income ratio:
| 17% |
|
Credit score:
| 660-679 (Jun-2011) |
Inquiries last 6m:
| 0 | Employment status: | Employed |
|
Now delinquent:
| 0 |
Current / open credit lines:
| 3
/
3 | Length of status: | 5y 7m |
|
Amount delinquent:
| $0 |
Total credit lines:
| 15 |
Occupation: | Truck Driver |
|
Public records last 12m / 10y:
| 0/ 1 |
Revolving credit balance:
| $5,327 | Stated income: | $25,000-$49,999 |
|
Delinquencies in last 7y:
| 19 |
Bankcard utilization:
| 79% | | |
| | |
Homeownership:
| No | | |
|
Screen name:
| bill-whamo |
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
debt consolidation
Purpose of loan:
This loan will be used to. pay off debt...
My financial situation:
I am a good candidate for this loan because. it will be used for a good purpose...
Monthly net income: $3900.00
Monthly expenses: $
Housing: $1300
Insurance: $200
Car expenses: $100
Utilities: $100
Phone, cable, internet: $
Food, entertainment: $500
Clothing, household expenses: $75
Credit cards and other loans: $50
Other expenses: $
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
498014
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:
| Oct-1983 |
Debt/Income ratio:
| 29% |
|
Credit score:
| 640-659 (Jun-2011) |
Inquiries last 6m:
| 0 | Employment status: | Employed |
|
Now delinquent:
| 0 |
Current / open credit lines:
| 20
/
13 | Length of status: | 31y 9m |
|
Amount delinquent:
| $0 |
Total credit lines:
| 39 |
Occupation: | Analyst |
|
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $59,261 | Stated income: | $75,000-$99,999 |
|
Delinquencies in last 7y:
| 3 |
Bankcard utilization:
| 99% | | |
| | |
Homeownership:
| Yes | | |
|
Screen name:
| Jameson21 |
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.
Prosper Activity
| Loan history | Payment history | Credit score history |
|
Active / total loans:
| 0 / 1 |
On-time:
| 35 ( 100% )
| 640-659 (Latest)
|
|
Principal borrowed:
| $6,000.00 | < 31 days late:
| 0
( 0% )
| 660-679
(Sep-2007)
|
|
Principal balance:
| $0.01 |
31+ days late:
| 0
( 0% )
|
|
Total payments billed:
| 35 | | |
Description
My loan for debt consolidation
Purpose of loan: This loan is to get back on track and get all items current and rebuild my credit score.
My financial situation: I'm in the process of paying down outstanding credit and my wife is starting to earn income again with a financial planning business.
I am a good candidate for this loan because I've paid off a previous loan and I have a steady income.
Monthly net income: $5800
Monthly expenses: $5500
Housing: $1150.00
Insurance: $250
Car expenses: $400
Utilities: $200
Phone, cable, internet: $200
Food, entertainment: $500
Clothing, household expenses: $300
Credit cards and other loans: $2300
Other expenses: $200
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
508052
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*:
| 11.20% | | |
|
Term:
| 36 months | | | | |
|
|
Lender yield:
| 25.99% |
Borrower rate/APR:
| 26.99% / 30.53% |
Monthly payment:
| $204.10 |
| |
|
Lender servicing fee:
| 1.00% |
Effective Yield*:
| 25.34% | | |
| |
Estimated return*:
| 14.14% | | |
* 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-1982 |
Debt/Income ratio:
| 31% |
|
Credit score:
| 720-739 (May-2011) |
Inquiries last 6m:
| 0 | Employment status: | Employed |
|
Now delinquent:
| 0 |
Current / open credit lines:
| 8
/
8 | Length of status: | 6y 4m |
|
Amount delinquent:
| $0 |
Total credit lines:
| 30 |
Occupation: | Laborer |
|
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $7,777 | Stated income: | $25,000-$49,999 |
|
Delinquencies in last 7y:
| 7 |
Bankcard utilization:
| 93% | | |
| | |
Homeownership:
| Yes | | |
|
Screen name:
| unbeatable-liberty |
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
unbeatable liberty
Purpose of loan: home improvement
This loan will be used to...repair foundation on home, repair dangerous sidewalk
My financial situation: good
I am a good candidate for this loan because...I have been employed my whole life, am hard worker who does overtime whenever available. I am 50 years old, married,(also have wife's income) put 2 daughters through college and now have to fixed foundation and sidewalk that has been put off for years!
Monthly net income: $3900
Monthly expenses: $
Housing: $445
Insurance: $
Car expenses: $404
Utilities: $200
Phone, cable, internet: $180
Food, entertainment: $
Clothing, household expenses: $
Credit cards and other loans: $2000
Other expenses: $
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
508804
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*:
| 11.20% | | |
|
Term:
| 36 months | | | | |
|
|
Lender yield:
| 25.99% |
Borrower rate/APR:
| 26.99% / 30.53% |
Monthly payment:
| $122.46 |
| |
|
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:
| May-2000 |
Debt/Income ratio:
| 20% |
|
Credit score:
| 640-659 (May-2011) |
Inquiries last 6m:
| 1 | Employment status: | Employed |
|
Now delinquent:
| 0 |
Current / open credit lines:
| 13
/
13 | Length of status: | 4y 9m |
|
Amount delinquent:
| $0 |
Total credit lines:
| 27 |
Occupation: | Other |
|
Public records last 12m / 10y:
| 0/ 1 |
Revolving credit balance:
| $25,880 | Stated income: | $50,000-$74,999 |
|
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 92% | | |
| | |
Homeownership:
| Yes | | |
|
Screen name:
| duty-base |
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
nans niks naks
Purpose of loan:
This loan will be used to...
My financial situation:
I am a good candidate for this loan because...
Monthly net income: $5,100.00
Monthly expenses: $
Housing: $731.00
Insurance: $ 97.00
Car expenses: $300.00
Utilities: $160.00
Phone, cable, internet: $79.00
Food, entertainment: $400.00
Clothing, household expenses: $200.00
Credit cards and other loans: $900.00
Other expenses: $165
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
509074
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
|
Amount:
| $7,000.00 |
Prosper Rating:
| B |
Listing Duration:
| 14 days
|
|
Minimum Amount to Fund:
| $4,900 |
Estimated loss*:
| 5.95% | | |
|
Term:
| 36 months | | | | |
|
|
Lender yield:
| 14.99% |
Borrower rate/APR:
| 15.99% / 18.17% |
Monthly payment:
| $246.06 |
| |
|
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:
| Dec-2005 |
Debt/Income ratio:
| 21% |
|
Credit score:
| 700-719 (May-2011) |
Inquiries last 6m:
| 0 | Employment status: | Employed |
|
Now delinquent:
| 0 |
Current / open credit lines:
| 5
/
4 | Length of status: | 5y 0m |
|
Amount delinquent:
| $0 |
Total credit lines:
| 10 |
Occupation: | Analyst |
|
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $4,449 | Stated income: | $50,000-$74,999 |
|
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 68% | | |
| | |
Homeownership:
| No | | |
|
Screen name:
| cash-sprout4 |
Borrower's state:
| NorthCarolina |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Description
Business cash-flow
Purpose of loan:
This loan will be used to cover short term business expense for a business my wife and I have co-owned since January 2011.
My financial situation:
I am a good candidate for this loan because I have the income to cover repayment of requested loan. The aforementioned business venture has seen promising growth year to date and is on target to return profits in Q3 2011. That being said, our plan and ability to repay requested amount is not dependent on the business venture.
My wife is employed and contributes towards household expenses.
NOTE
- Income listed below does not include my wife's income.
- Expenses listed below account for approx 60% of total household expenses
Monthly net income: $ 3200
Monthly expenses: $
Housing: $ 1000
Insurance: $ 100
Car expenses: $ 275
Utilities: $300
Phone, cable, internet: $200
Food, entertainment: $200
Clothing, household expenses: $200
Credit cards and other loans: $150
Other expenses: $ 300
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
509104
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:
| Nov-1997 |
Debt/Income ratio:
| 21% |
|
Credit score:
| 660-679 (May-2011) |
Inquiries last 6m:
| 6 | Employment status: | Employed |
|
Now delinquent:
| 1 |
Current / open credit lines:
| 9
/
8 | Length of status: | 6y 0m |
|
Amount delinquent:
| $9,637 |
Total credit lines:
| 22 |
Occupation: | Waiter/Waitress |
|
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $556 | Stated income: | $25,000-$49,999 |
|
Delinquencies in last 7y:
| 99 |
Bankcard utilization:
| 52% | | |
| | |
Homeownership:
| No | | |
|
Screen name:
| urbane-auction4 |
Borrower's state:
| Florida |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Description
Buying a condo.
Purpose of loan:
This loan will be used to...Buy a condo
My financial situation: I am a server and I have been at my place of employment for 6 years.
I am a good candidate for this loan because I am financially responsible and don't want to throw away money renting, I am ready to own my own property.
Monthly net income: $2500
Monthly expenses: $500
Housing: $500
Insurance: $100
Car expenses: $327
Utilities: $150
Phone, cable, internet: $100
Food, entertainment: $100
Clothing, household expenses: $50
Credit cards and other loans: $50
Other expenses: $100
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
509110
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:
| Sep-1995 |
Debt/Income ratio:
| 22% |
|
Credit score:
| 640-659 (May-2011) |
Inquiries last 6m:
| 2 | Employment status: | Other |
|
Now delinquent:
| 0 |
Current / open credit lines:
| 4
/
4 | Length of status: | 5y 3m |
|
Amount delinquent:
| $0 |
Total credit lines:
| 46 |
Occupation: | Other |
|
Public records last 12m / 10y:
| 0/ 1 |
Revolving credit balance:
| $5,628 | Stated income: | $25,000-$49,999 |
|
Delinquencies in last 7y:
| 14 |
Bankcard utilization:
| 98% | | |
| | |
Homeownership:
| Yes | | |
|
Screen name:
| orv31 |
Borrower's state:
| Colorado |
Borrower's group:
| Have Money - Will Bid |
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:Consolidate my bills into one payment to be able to start saving money.
My financial situation:
I am a good candidate for this loan because...I pay all of my bills every month and I am working very hard to build good credit.
Monthly net income: $3385
Monthly expenses: $300
Housing: $1260
Insurance: $200
Car expenses: $
Utilities: $65
Phone, cable, internet: $79
Food, entertainment: $200
Clothing, household expenses: $100
Credit cards and other loans: $250
Other expenses: $
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
509248
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:
| $8,000.00 |
Prosper Rating:
| C |
Listing Duration:
| 14 days
|
|
Minimum Amount to Fund:
| $5,600 |
Estimated loss*:
| 6.10% | | |
|
Term:
| 60 months | | | | |
|
|
Lender yield:
| 20.99% |
Borrower rate/APR:
| 21.99% / 24.25% |
Monthly payment:
| $220.91 |
| |
|
Lender servicing fee:
| 1.00% |
Effective Yield*:
| 20.50% | | |
| |
Estimated return*:
| 14.40% | | |
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
|
Prosper score (1-10):
| 7 |
First credit line:
| Jul-2000 |
Debt/Income ratio:
| 21% |
|
Credit score:
| 700-719 (Jun-2011) |
Inquiries last 6m:
| 1 | Employment status: | Employed |
|
Now delinquent:
| 0 |
Current / open credit lines:
| 6
/
6 | Length of status: | 10y 7m |
|
Amount delinquent:
| $0 |
Total credit lines:
| 27 |
Occupation: | Military Enlisted |
|
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $10,059 | Stated income: | $25,000-$49,999 |
|
Delinquencies in last 7y:
| 1 |
Bankcard utilization:
| 58% | | |
| | |
Homeownership:
| Yes | | |
|
Screen name:
| Dominican7 |
Borrower's state:
| Georgia |
Borrower's group:
| Government Employee Investment Group (GEIG) |
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:
| 21 ( 95% )
| 700-719 (Latest)
|
|
Principal borrowed:
| $4,000.00 | < 31 days late:
| 1
( 5% )
| 640-659
(Oct-2009)
760-779
(Jul-2007)
|
|
Principal balance:
| $0.00 |
31+ days late:
| 0
( 0% )
|
|
Total payments billed:
| 22 | | |
Description
Army Soldier PCSing
Purpose of loan: Consolidate Bills and prepare for another military move.
This loan will be used to...
Mostly to consolidate all my bills and help me throughout the whole PCS. Instead of paying 3 credit cards at one time I would rather just pay one person to save the headache and confusion.
My financial situation: Great I have a stable job as an Active Duty soldier.
I am a good candidate for this loan because...
I have had a previous prosper loan which I payed off with no problems.
I have a stable job during this economy.
My wife also earns an income if something was ever to happen
Monthly net income: $3800
Monthly expenses: $3000
Housing: $1050
Insurance: $100
Car expenses: $300
Utilities: $200
Phone, cable, internet: $100
Food, entertainment: $500
Clothing, household expenses: $
Credit cards and other loans: $500
Other expenses: $ Gas, haircuts.
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
509290
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:
| AA |
Listing Duration:
| 14 days
|
|
Minimum Amount to Fund:
| $10,500 |
Estimated loss*:
| 1.95% | | |
|
Term:
| 60 months | | | | |
|
|
Lender yield:
| 10.99% |
Borrower rate/APR:
| 11.99% / 12.21% |
Monthly payment:
| $333.59 |
| |
|
Lender servicing fee:
| 1.00% |
Effective Yield*:
| 10.98% | | |
| |
Estimated return*:
| 9.03% | | |
* 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):
| 10 |
First credit line:
| Jun-1983 |
Debt/Income ratio:
| 14% |
|
Credit score:
| 780-799 (May-2011) |
Inquiries last 6m:
| 0 | Employment status: | Employed |
|
Now delinquent:
| 0 |
Current / open credit lines:
| 9
/
8 | Length of status: | 1y 1m |
|
Amount delinquent:
| $0 |
Total credit lines:
| 39 |
Occupation: | Professional |
|
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $15,573 | Stated income: | $100,000+ |
|
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 52% | | |
| | |
Homeownership:
| Yes | | |
|
Screen name:
| chief96 |
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
Debt Elimination
Purpose of loan:
This loan will be used to...
To help my step son to pay off most of his credit card debt. Two reasons why I am doing it for him. 1. I don't know if he would even qualify for this loan. and 2. I would receive a much lower rate than him.
My financial situation:
I am a good candidate for this loan because, I won't have to pay it back. My step son will pay for it and my wife (his mother) has assured me that, he will pay for every penny and on time or she will ring his neck. She has also said, she would help him if he gets in trouble with the loan. Last resort I would sell some stocks that I currently don't want to sell.
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
509308
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:
| D |
Listing Duration:
| 14 days
|
|
Minimum Amount to Fund:
| $7,000 |
Estimated loss*:
| 11.20% | | |
|
Term:
| 60 months | | | | |
|
|
Lender yield:
| 29.49% |
Borrower rate/APR:
| 30.49% / 32.96% |
Monthly payment:
| $326.55 |
| |
|
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):
| 6 |
First credit line:
| Jun-1981 |
Debt/Income ratio:
| 17% |
|
Credit score:
| 720-739 (Jun-2011) |
Inquiries last 6m:
| 0 | Employment status: | Employed |
|
Now delinquent:
| 0 |
Current / open credit lines:
| 2
/
2 | Length of status: | 0y 2m |
|
Amount delinquent:
| $0 |
Total credit lines:
| 5 |
Occupation: | Nurse (LPN) |
|
Public records last 12m / 10y:
| 0/ 1 |
Revolving credit balance:
| $1,074 | Stated income: | $25,000-$49,999 |
|
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 75% | | |
| | |
Homeownership:
| No | | |
|
Screen name:
| riveting-wealth829 |
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
riveting-wealth829
No description was provided by the borrower.
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
509334
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*:
| 13.00% | | |
|
Term:
| 36 months | | | | |
|
|
Lender yield:
| 29.99% |
Borrower rate/APR:
| 30.99% / 34.62% |
Monthly payment:
| $193.48 |
| |
|
Lender servicing fee:
| 1.00% |
Effective Yield*:
| 28.61% | | |
| |
Estimated return*:
| 15.61% | | |
* 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:
| May-2001 |
Debt/Income ratio:
| 43% |
|
Credit score:
| 600-619 (Jun-2011) |
Inquiries last 6m:
| 0 | Employment status: | Employed |
|
Now delinquent:
| 1 |
Current / open credit lines:
| 14
/
14 | Length of status: | 9y 10m |
|
Amount delinquent:
| $42 |
Total credit lines:
| 51 |
Occupation: | Student - College S... |
|
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $8,149 | Stated income: | $25,000-$49,999 |
|
Delinquencies in last 7y:
| 3 |
Bankcard utilization:
| 97% | | |
| | |
Homeownership:
| Yes | | |
|
Screen name:
| mastadk |
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.
Prosper Activity
| Loan history | Payment history | Credit score history |
|
Active / total loans:
| 1 / 1 |
On-time:
| 18 ( 100% )
| 600-619 (Latest)
|
|
Principal borrowed:
| $1,100.00 | < 31 days late:
| 0
( 0% )
| 640-659
(Nov-2009)
560-579
(May-2008)
|
|
Principal balance:
| $682.21 |
31+ days late:
| 0
( 0% )
|
|
Total payments billed:
| 18 | | |
Description
Auto loan
Purpose of loan:
This loan will be used to...
Refinance current auto loan
My financial situation:
I am a good candidate for this loan because...I will never miss a payment and lender will be rewarded.
Monthly net income: $6500
Monthly expenses: $2500
Housing: $1200
Insurance:150
Car expenses: $200
Utilities: $100
Phone, cable, internet: $50
Food, entertainment: $200
Clothing, household expenses: $100
Credit cards and other loans: $200
Other expenses: $200
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
509352
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
|
Amount:
| $5,500.00 |
Prosper Rating:
| D |
Listing Duration:
| 14 days
|
|
Minimum Amount to Fund:
| $3,850 |
Estimated loss*:
| 10.00% | | |
|
Term:
| 36 months | | | | |
|
|
Lender yield:
| 22.99% |
Borrower rate/APR:
| 23.99% / 27.47% |
Monthly payment:
| $215.75 |
| |
|
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:
| Jun-1996 |
Debt/Income ratio:
| 24% |
|
Credit score:
| 600-619 (Jun-2011) |
Inquiries last 6m:
| 1 | Employment status: | Employed |
|
Now delinquent:
| 0 |
Current / open credit lines:
| 9
/
8 | Length of status: | 5y 1m |
|
Amount delinquent:
| $0 |
Total credit lines:
| 13 |
Occupation: | Other |
|
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $6,079 | Stated income: | $25,000-$49,999 |
|
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 60% | | |
| | |
Homeownership:
| No | | |
|
Screen name:
| enthralling-silver |
Borrower's state:
| Minnesota |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
| Loan history | Payment history | Credit score history |
|
Active / total loans:
| 1 / 1 |
On-time:
| 12 ( 92% )
| 600-619 (Latest)
|
|
Principal borrowed:
| $2,000.00 | < 31 days late:
| 1
( 8% )
| 760-779
(Apr-2010)
|
|
Principal balance:
| $1,465.51 |
31+ days late:
| 0
( 0% )
|
|
Total payments billed:
| 13 | | |
Description
For a Better Car
Purpose of loan: Car purchase
This loan will be used to...To purchase a newer car
My financial situation: Great but need new transportation to get to work
I am a good candidate for this loan because...I have a stable job, have a good credit score no late payments ect...
Monthly net income: $2500
Monthly expenses: $1800
Housing: $900
Insurance: $45
Car expenses: $0
Utilities: $65
Phone, cable, internet: $150
Food, entertainment: $100
Clothing, household expenses: $
Credit cards and other loans: $350
Other expenses: $100
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
509358
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:
| $11,500.00 |
Prosper Rating:
| A |
Listing Duration:
| 14 days
|
|
Minimum Amount to Fund:
| $8,050 |
Estimated loss*:
| 2.60% | | |
|
Term:
| 60 months | | | | |
|
|
Lender yield:
| 12.29% |
Borrower rate/APR:
| 13.29% / 14.66% |
Monthly payment:
| $263.37 |
| |
|
Lender servicing fee:
| 1.00% |
Effective Yield*:
| 12.25% | | |
| |
Estimated return*:
| 9.65% | | |
* 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-1998 |
Debt/Income ratio:
| 30% |
|
Credit score:
| 780-799 (Jun-2011) |
Inquiries last 6m:
| 0 | Employment status: | Employed |
|
Now delinquent:
| 0 |
Current / open credit lines:
| 11
/
6 | Length of status: | 0y 10m |
|
Amount delinquent:
| $0 |
Total credit lines:
| 42 |
Occupation: | Analyst |
|
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $11,213 | Stated income: | $50,000-$74,999 |
|
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 42% | | |
| | |
Homeownership:
| Yes | | |
|
Screen name:
| diversification-axis5 |
Borrower's state:
| Wisconsin |
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:
| 6 ( 100% )
| 780-799 (Latest)
|
|
Principal borrowed:
| $15,000.00 | < 31 days late:
| 0
( 0% )
| 780-799
(Nov-2010)
|
|
Principal balance:
| $13,151.04 |
31+ days late:
| 0
( 0% )
|
|
Total payments billed:
| 6 | | |
Description
Paying off high interest creditcard
Purpose of loan:
This loan will be used to...pay off 20% credit card
My financial situation:
I am a good candidate for this loan because...have never missed a payment ever! Working in healthcare with good growth prospects and long term contract of employment
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
509364
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
|
Amount:
| $5,000.00 |
Prosper Rating:
| E |
Listing Duration:
| 14 days
|
|
Minimum Amount to Fund:
| $3,500 |
Estimated loss*:
| 14.70% | | |
|
Term:
| 36 months | | | | |
|
|
Lender yield:
| 30.99% |
Borrower rate/APR:
| 31.99% / 35.64% |
Monthly payment:
| $217.74 |
| |
|
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-1999 |
Debt/Income ratio:
| Self-employed (DTI Not Calculated) |
|
Credit score:
| 700-719 (May-2011) |
Inquiries last 6m:
| 0 | Employment status: | Self-employed |
|
Now delinquent:
| 1 |
Current / open credit lines:
| 6
/
5 | Length of status: | 0y 8m |
|
Amount delinquent:
| $3,078 |
Total credit lines:
| 31 |
Occupation: | Other |
|
Public records last 12m / 10y:
| 0/ 1 |
Revolving credit balance:
| $1,459 | Stated income: | $1-$24,999 |
|
Delinquencies in last 7y:
| 6 |
Bankcard utilization:
| 31% | | |
| | |
Homeownership:
| Yes | | |
|
Screen name:
| authentic-asset817 |
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
Marketing and promoting expenses
Purpose of loan:
This loan will be used to...Pay for marketing and promoting a local TV talk show.
My financial situation:
I am a good candidate for this loan because my credit score is between 711 and 730. Also, the TV show has the potential to make a lot of money because of its nature. The talk show deals with real people and real issues providing real solutions. The show is educational, inspirational and entertaining. We. We would like the funding to launch a major marketing and promotion campaign.
Monthly net income: $ 2000.00
Monthly expenses: $1,458.00
Housing: $ 405.00
Insurance: $ 109.00
Car expenses: $ 378.00
Utilities: $ varies---100.00
Phone, cable, internet: $144.00
Food, entertainment: $ 65.00
Clothing, household expenses: $ varies--I have not bought clothes in years. $40.00
Credit cards and other loans: $ 218.00
Other expenses: $
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
509474
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:
| E |
Listing Duration:
| 14 days
|
|
Minimum Amount to Fund:
| $2,000 |
Estimated loss*:
| 13.00% | | |
|
Term:
| 36 months | | | | |
|
|
Lender yield:
| 29.99% |
Borrower rate/APR:
| 30.99% / 34.62% |
Monthly payment:
| $85.99 |
| |
|
Lender servicing fee:
| 1.00% |
Effective Yield*:
| 28.61% | | |
| |
Estimated return*:
| 15.61% | | |
* 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-2006 |
Debt/Income ratio:
| Not calculated |
|
Credit score:
| 640-659 (Jun-2011) |
Inquiries last 6m:
| 0 | Employment status: | Employed |
|
Now delinquent:
| 1 |
Current / open credit lines:
| 1
/
1 | Length of status: | 1y 10m |
|
Amount delinquent:
| $4,554 |
Total credit lines:
| 24 |
Occupation: | Teacher's Aide |
|
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:
| worth-adventurer5 |
Borrower's state:
| Alabama |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
| Loan history | Payment history | Credit score history |
|
Active / total loans:
| 1 / 1 |
On-time:
| 14 ( 100% )
| 640-659 (Latest)
|
|
Principal borrowed:
| $2,000.00 | < 31 days late:
| 0
( 0% )
| 740-759
(Mar-2010)
|
|
Principal balance:
| $1,400.88 |
31+ days late:
| 0
( 0% )
|
|
Total payments billed:
| 14 | | |
Description
Unexpected car trouble
Purpose of loan:
This loan will be used to fix my car and to take of any additional expenses to get me back on the road. I currently resident in an area where buses do not run. Therefore, without my car getting around is not the easiest thing to do.
My financial situation:
I am a good candidate for this loan because I have taken a loan from this source before and I am a strong believer of taking care of my debt. I also make it a point to make my payments on time.
Monthly net income: $600
Monthly expenses: $400
Housing: $150
Insurance: $0
Car expenses: $
Utilities: $50
Phone, cable, internet: 50
Food, entertainment: $100
Clothing, household expenses: $
Credit cards and other loans: $80.99
Other expenses: $
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
509480
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:
| $3,750.00 |
Prosper Rating:
| E |
Listing Duration:
| 14 days
|
|
Minimum Amount to Fund:
| $2,625 |
Estimated loss*:
| 14.70% | | |
|
Term:
| 36 months | | | | |
|
|
Lender yield:
| 30.99% |
Borrower rate/APR:
| 31.99% / 35.64% |
Monthly payment:
| $163.31 |
| |
|
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-2001 |
Debt/Income ratio:
| 28% |
|
Credit score:
| 640-659 (Jun-2011) |
Inquiries last 6m:
| 3 | Employment status: | Employed |
|
Now delinquent:
| 0 |
Current / open credit lines:
| 8
/
8 | Length of status: | 6y 1m |
|
Amount delinquent:
| $0 |
Total credit lines:
| 10 |
Occupation: | Other |
|
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $3,251 | Stated income: | $25,000-$49,999 |
|
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 42% | | |
| | |
Homeownership:
| No | | |
|
Screen name:
| compatible-bill8 |
Borrower's state:
| Missouri |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Description
Consolidate my bills
Purpose of loan:
This loan will be used to...Consolidate existing bills and some home improvements
My financial situation:
I am a good candidate for this loan because...
I have a solid payment history, long term employment, and this loan would serve to lower my monthly obligations.
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
509552
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:
| D |
Listing Duration:
| 14 days
|
|
Minimum Amount to Fund:
| $7,000 |
Estimated loss*:
| 10.00% | | |
|
Term:
| 60 months | | | | |
|
|
Lender yield:
| 25.99% |
Borrower rate/APR:
| 26.99% / 29.37% |
Monthly payment:
| $305.29 |
| |
|
Lender servicing fee:
| 1.00% |
Effective Yield*:
| 25.34% | | |
| |
Estimated return*:
| 15.34% | | |
* 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-2005 |
Debt/Income ratio:
| 20% |
|
Credit score:
| 600-619 (Jun-2011) |
Inquiries last 6m:
| 0 | Employment status: | Employed |
|
Now delinquent:
| 0 |
Current / open credit lines:
| 7
/
5 | Length of status: | 13y 11m |
|
Amount delinquent:
| $0 |
Total credit lines:
| 18 |
Occupation: | Other |
|
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $10,021 | Stated income: | $25,000-$49,999 |
|
Delinquencies in last 7y:
| 1 |
Bankcard utilization:
| 99% | | |
| | |
Homeownership:
| No | | |
|
Screen name:
| designer2121 |
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:
| 0 / 1 |
On-time:
| 35 ( 100% )
| 600-619 (Latest)
|
|
Principal borrowed:
| $1,000.00 | < 31 days late:
| 0
( 0% )
| 520-539
(Apr-2008)
540-559
(Jan-2008)
|
|
Principal balance:
| $0.00 |
31+ days late:
| 0
( 0% )
|
|
Total payments billed:
| 35 | | |
Description
Need to lower credit utilization
Purpose of loan:
This loan will be used to... pay off credit cards and a line of credit to improve my credit utilization ratio. Right now it's terrible and my credit score is suffering because of it. The interest rates on all of them are already high, so this loan is a good solution!
My financial situation:
I am a good candidate for this loan because... I have no car payment and pay no rent. There is no chance that I will have trouble making this payment!
Monthly net income: $2400
Total monthly expenses: $830 (see below)
Housing: $0
Insurance: $50
Car expenses: $0 (paid off!)
Utilities: $ 200
Phone, cable, internet: $100
Food, entertainment: $300
Clothing, household expenses: $50
Credit cards and other loans: $130
Other expenses: $0
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
509558
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:
| C |
Listing Duration:
| 14 days
|
|
Minimum Amount to Fund:
| $2,800 |
Estimated loss*:
| 6.10% | | |
|
Term:
| 36 months | | | | |
|
|
Lender yield:
| 17.99% |
Borrower rate/APR:
| 18.99% / 22.36% |
Monthly payment:
| $146.60 |
| |
|
Lender servicing fee:
| 1.00% |
Effective Yield*:
| 17.57% | | |
| |
Estimated return*:
| 11.47% | | |
* 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-2006 |
Debt/Income ratio:
| 25% |
|
Credit score:
| 700-719 (Jun-2011) |
Inquiries last 6m:
| 0 | Employment status: | Employed |
|
Now delinquent:
| 0 |
Current / open credit lines:
| 4
/
4 | Length of status: | 15y 3m |
|
Amount delinquent:
| $0 |
Total credit lines:
| 6 |
Occupation: | Laborer |
|
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $2,311 | Stated income: | $1-$24,999 |
|
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 28% | | |
| | |
Homeownership:
| No | | |
|
Screen name:
| amcbee |
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.
Prosper Activity
| Loan history | Payment history | Credit score history |
|
Active / total loans:
| 1 / 2 |
On-time:
| 66 ( 100% )
| 700-719 (Latest)
|
|
Principal borrowed:
| $4,300.00 | < 31 days late:
| 0
( 0% )
| 620-639
(Sep-2008)
(Sep-2006)
|
|
Principal balance:
| $622.29 |
31+ days late:
| 0
( 0% )
|
|
Total payments billed:
| 66 | | |
Description
She's in Nursing School!!!
Purpose of loan: To help my daughter pay for school.
This loan will be used to pay off my other prosper loan and the rest will be used to help my daughter with tuition, books, uniforms, and supplies.
I am trying to help my daughter with her journey through nursing school. She is not currently working because it has been advised by her teachers not to because it can become very overwhelming. I am a good candidate for this loan because I have had 2 prior loans with prosper and I have never defaulted. very little credit card debt because most of my cards have very little balances, if any.
Monthly net income: $1600
Monthly expenses: $ 1280
Housing: $400
Insurance: $80
Car expenses: $100
Utilities: $120
Phone, cable, internet: $100
Food, entertainment: $120
Clothing, household expenses: $100
Credit cards and other loans: $70
Other expenses: $ 10--payment for new prosper loan
This will a little over $300 cash left over if I need it.
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
509564
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:
| A |
Listing Duration:
| 14 days
|
|
Minimum Amount to Fund:
| $9,100 |
Estimated loss*:
| 3.80% | | |
|
Term:
| 36 months | | | | |
|
|
Lender yield:
| 10.40% |
Borrower rate/APR:
| 11.40% / 13.52% |
Monthly payment:
| $428.07 |
| |
|
Lender servicing fee:
| 1.00% |
Effective Yield*:
| 10.37% | | |
| |
Estimated return*:
| 6.57% | | |
* 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-1987 |
Debt/Income ratio:
| 21% |
|
Credit score:
| 780-799 (May-2011) |
Inquiries last 6m:
| 2 | Employment status: | Employed |
|
Now delinquent:
| 0 |
Current / open credit lines:
| 8
/
8 | Length of status: | 8y 9m |
|
Amount delinquent:
| $0 |
Total credit lines:
| 24 |
Occupation: | Teacher |
|
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $57,069 | Stated income: | $50,000-$74,999 |
|
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 71% | | |
| | |
Homeownership:
| Yes | | |
|
Screen name:
| SaintPaulPizzeria |
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
Business Loan
Purpose of loan:
This loan will be used to purchase an existing business. This popular bistro is located in a busy middle-to-upper class urban area with 25, 000 cars passing daily. We will be opening an Italian cafe serving Napoli-style pizza, panini, gelato, beer, and wine. It includes an outdoor patio. Staff, vendors, logo, and signage are all in place. A purchase agreement and lease documents are ready to be signed. We will be owner-operators.
Our financial situation:
We are good candidates for this loan because we have an excellent credit rating with no late payments in over 20 years. PLEASE NOTE: Our household income $102,000 and will not change during ownership of the business. An accountant has been hired who specializes in the restaurant industry. We were both born and raised in Saint Paul, Minnesota and have lived and worked here our entire lives. Our strong connection to the community will help ensure our success.
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
504215
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:
| $4,300.00 |
Prosper Rating:
| A |
Listing Duration:
| 14 days
|
|
Minimum Amount to Fund:
| $4,300 |
Estimated loss*:
| 3.80% | | |
|
Term:
| 36 months | | | | |
|
|
Lender yield:
| 10.40% |
Borrower rate/APR:
| 11.40% / 13.52% |
Monthly payment:
| $141.59 |
| |
|
Lender servicing fee:
| 1.00% |
Effective Yield*:
| 10.37% | | |
| |
Estimated return*:
| 6.57% | | |
* 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):
| 9 |
First credit line:
| Sep-2000 |
Debt/Income ratio:
| 15% |
|
Credit score:
| 740-759 (Jun-2011) |
Inquiries last 6m:
| 0 | Employment status: | Employed |
|
Now delinquent:
| 1 |
Current / open credit lines:
| 6
/
6 | Length of status: | 5y 11m |
|
Amount delinquent:
| $39,227 |
Total credit lines:
| 26 |
Occupation: | Other |
|
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $5,207 | Stated income: | $75,000-$99,999 |
|
Delinquencies in last 7y:
| 9 |
Bankcard utilization:
| 11% | | |
| | |
Homeownership:
| Yes | | |
|
Screen name:
| unique-peace164 |
Borrower's state:
| Nebraska |
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
Wedding Loan
Purpose of loan:
This loan will be used to supplement the cost of our wedding. We are coming up just short of what we need to cover all of the costs that we have budgeted for. We may or may not need the full amount of this loan, but we believe are estimated numbers are accurate.
My financial situation:
I am a good candidate for this loan because I've been employed with the same employer for almost six years. My finance has been employed for almost four years with the same employer. I have minimal debt obligations and I've never been late on any of these obligations. I make a respectable amount of income and with our combined income we have more than enough income to cover this loan repayment and our other debt obligations.
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
505987
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:
| D |
Listing Duration:
| 14 days
|
|
Minimum Amount to Fund:
| $7,700 |
Estimated loss*:
| 11.20% | | |
|
Term:
| 36 months | | | | |
|
|
Lender yield:
| 25.99% |
Borrower rate/APR:
| 26.99% / 30.53% |
Monthly payment:
| $449.02 |
| |
|
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:
| Feb-1987 |
Debt/Income ratio:
| 21% |
|
Credit score:
| 660-679 (May-2011) |
Inquiries last 6m:
| 1 | Employment status: | Employed |
|
Now delinquent:
| 0 |
Current / open credit lines:
| 14
/
11 | Length of status: | 22y 11m |
|
Amount delinquent:
| $0 |
Total credit lines:
| 33 |
Occupation: | Engineer - Electric... |
|
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $177,396 | Stated income: | $100,000+ |
|
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 95% | | |
| | |
Homeownership:
| Yes | | |
|
Screen name:
| treasure-celebration0 |
Borrower's state:
| Maryland |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Description
Wow, this is a high rate!
Purpose of loan: Debt Consolidation
This loan will be used to pay off a zero interest loan before the one year mark to avoid $1.6K of back interest, and pay off $4k of medical bills. $2k of dental bills for kids and Wife and $2k of spine surgery expenses.
My financial situation: Wife just got a job in her field after being unemployed for three years. Credit maxed out during that time but never a late payment.
I am a good candidate for this loan because now we are both employed but we do need to spread these medical expenses.
Monthly net income: $9,966
Monthly expenses: $8,500
Housing: $2,410
Insurance: $260
Car expenses: $400
Utilities: $320
Phone, cable, internet: $210
Food, entertainment: $800
Clothing, household expenses: $500
Credit cards and other loans: $2,360
Child Care: $1,040
Other expenses: $200
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
507377
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):
| 5 |
First credit line:
| May-1992 |
Debt/Income ratio:
| 40% |
|
Credit score:
| 680-699 (May-2011) |
Inquiries last 6m:
| 0 | Employment status: | Employed |
|
Now delinquent:
| 0 |
Current / open credit lines:
| 15
/
15 | Length of status: | 19y 9m |
|
Amount delinquent:
| $0 |
Total credit lines:
| 43 |
Occupation: | Other |
|
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $79,717 | Stated income: | $75,000-$99,999 |
|
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 99% | | |
| | |
Homeownership:
| Yes | | |
|
Screen name:
| sympathetic-listing5 |
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
Short term cash need.
Purpose of loan:
This loan will be used to consolidate debt
My financial situation:
I am a good candidate for this loan because this loan will be paid back with proceeds from a 401k fund.
Monthly net income: $6000.00
Monthly expenses: $300
Housing: $1572
Insurance: $ Taken out of paycheck
Car expenses: $700
Utilities: $200
Phone, cable, internet: $200
Food, entertainment: $520
Clothing, household expenses: $150
Credit cards and other loans: $1800
Other expenses: $100
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
507903
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:
| E |
Listing Duration:
| 14 days
|
|
Minimum Amount to Fund:
| $2,000 |
Estimated loss*:
| 14.70% | | |
|
Term:
| 12 months | | | | |
|
|
Lender yield:
| 25.69% |
Borrower rate/APR:
| 26.69% / 35.84% |
Monthly payment:
| $191.73 |
| |
|
Lender servicing fee:
| 1.00% |
Effective Yield*:
| 24.52% | | |
| |
Estimated return*:
| 9.82% | | |
* 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):
| 4 |
First credit line:
| Dec-2000 |
Debt/Income ratio:
| 19% |
|
Credit score:
| 680-699 (May-2011) |
Inquiries last 6m:
| 3 | Employment status: | Employed |
|
Now delinquent:
| 2 |
Current / open credit lines:
| 6
/
4 | Length of status: | 3y 5m |
|
Amount delinquent:
| $1,313 |
Total credit lines:
| 16 |
Occupation: | Professional |
|
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $53 | Stated income: | $25,000-$49,999 |
|
Delinquencies in last 7y:
| 1 |
Bankcard utilization:
| 6% | | |
| | |
Homeownership:
| No | | |
|
Screen name:
| poetic-power7 |
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
My personal loan
Purpose of loan: needed surgery for spouse
This loan will be used to...Remaining funds needed to pay for surgery
My financial situation: Good - steady job and will advance and making more money soon. Additional income to come from spouse after car purchase for better job.
I am a good candidate for this loan because...I have a great work history and I have a debt to income ratio. I will work hard to pay back this loan.
Monthly net income: $3200
Monthly expenses: $400
Housing: $700
Insurance: $60
Car expenses: $340
Utilities: $100
Phone, cable, internet: $120
Food, entertainment: $40
Clothing, household expenses: $100
Credit cards and other loans: $80
Other expenses: $25
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
508829
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*:
| 11.20% | | |
|
Term:
| 36 months | | | | |
|
|
Lender yield:
| 25.99% |
Borrower rate/APR:
| 26.99% / 30.53% |
Monthly payment:
| $81.64 |
| |
|
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:
| Oct-1992 |
Debt/Income ratio:
| 16% |
|
Credit score:
| 800-819 (May-2011) |
Inquiries last 6m:
| 3 | Employment status: | Employed |
|
Now delinquent:
| 0 |
Current / open credit lines:
| 4
/
4 | Length of status: | 3y 10m |
|
Amount delinquent:
| $0 |
Total credit lines:
| 31 |
Occupation: | Teacher |
|
Public records last 12m / 10y:
| 0/ 1 |
Revolving credit balance:
| $0 | Stated income: | $50,000-$74,999 |
|
Delinquencies in last 7y:
| 4 |
Bankcard utilization:
| 0% | | |
| | |
Homeownership:
| Yes | | |
|
Screen name:
| leverage-maniac |
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
Home improvement
Purpose of loan:
This loan will be used to...Make home improvements
My financial situation:
I am a good candidate for this loan because...I work a lot of overtime and summer school and have the ability to pay it back
Monthly net income: $2900
Monthly expenses: $
Housing: $1000
Insurance: $0
Car expenses: $0
Utilities: $90
Phone, cable, internet: $49
Food, entertainment: $400
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
509215
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
|
Amount:
| $5,500.00 |
Prosper Rating:
| B |
Listing Duration:
| 14 days
|
|
Minimum Amount to Fund:
| $3,850 |
Estimated loss*:
| 5.95% | | |
|
Term:
| 36 months | | | | |
|
|
Lender yield:
| 14.99% |
Borrower rate/APR:
| 15.99% / 18.17% |
Monthly payment:
| $193.34 |
| |
|
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:
| Jan-2000 |
Debt/Income ratio:
| 10% |
|
Credit score:
| 700-719 (Jun-2011) |
Inquiries last 6m:
| 0 | Employment status: | Employed |
|
Now delinquent:
| 0 |
Current / open credit lines:
| 4
/
4 | Length of status: | 7y 1m |
|
Amount delinquent:
| $0 |
Total credit lines:
| 8 |
Occupation: | Other |
|
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $4,546 | Stated income: | $25,000-$49,999 |
|
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 79% | | |
| | |
Homeownership:
| No | | |
|
Screen name:
| liberty-sapling2 |
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
BACK IN THE BLUE
Purpose of loan:
This loan will be used to pay medical bills and credit card bills. Had to use cards for bills when hospitalized 2 months ago...
My financial situation:
I am a good candidate for this loan because i have good steady employment with an essential municipal department...
Monthly net income: $2900
Monthly expenses: $
Housing: $
Insurance: $
Car expenses: $
Utilities: $ Paid on credit card
Phone, cable, internet: $ Paid on credit card
Food, entertainment: $ Paid on credit card
Clothing, household expenses: $ Paid on credi card
Credit cards and other loans: $3000
Other expenses: $1500 Medical
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
509233
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*:
| 10.00% | | |
|
Term:
| 36 months | | | | |
|
|
Lender yield:
| 22.99% |
Borrower rate/APR:
| 23.99% / 27.47% |
Monthly payment:
| $98.07 |
| |
|
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):
| 7 |
First credit line:
| Feb-2004 |
Debt/Income ratio:
| 19% |
|
Credit score:
| 640-659 (Jun-2011) |
Inquiries last 6m:
| 1 | Employment status: | Employed |
|
Now delinquent:
| 0 |
Current / open credit lines:
| 5
/
4 | Length of status: | 8y 8m |
|
Amount delinquent:
| $0 |
Total credit lines:
| 8 |
Occupation: | Other |
|
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $1,367 | Stated income: | $25,000-$49,999 |
|
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 68% | | |
| | |
Homeownership:
| No | | |
|
Screen name:
| blue-capital-conga |
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.
Prosper Activity
| Loan history | Payment history | Credit score history |
|
Active / total loans:
| 1 / 2 |
On-time:
| 19 ( 100% )
| 640-659 (Latest)
|
|
Principal borrowed:
| $2,500.00 | < 31 days late:
| 0
( 0% )
| 620-639
(Oct-2010)
640-659
(Nov-2009)
|
|
Principal balance:
| $598.77 |
31+ days late:
| 0
( 0% )
|
|
Total payments billed:
| 19 | | |
Description
Fixing the fence after the storm.
No description was provided by the borrower.
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
509263
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:
| $4,000 |
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:
| Aug-2005 |
Debt/Income ratio:
| Not calculated |
|
Credit score:
| 660-679 (Jun-2011) |
Inquiries last 6m:
| 1 | Employment status: | Not employed |
|
Now delinquent:
| 0 |
Current / open credit lines:
| 7
/
7 | Length of status: | 0y 7m |
|
Amount delinquent:
| $0 |
Total credit lines:
| 7 | Stated income: | Not employed |
|
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $1,904 | |
|
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 79% | | |
| | |
Homeownership:
| No | | |
|
Screen name:
| gold-forte9 |
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
Small Gift Boutique and Apparel
This loan will be used to fund the launch of a small gift and apparel boutique. It's always been a dream to work for myself, and right now in our general area, the rates for store fronts are very low. I'd like to use this money to help get the doors open. My husband has great insight in the business end and I have sales and customer service experience. I am a good candidate for this loan because I always make sure any monies owed, such as credit are paid back accordingly and on time. I know other people have been given breaks by others to help fund and startup a small business and grow from there and I'm looking for your help to make a dream of owning my own small business come true. Currently my husband is a sole provider for our family, and we have a 2 year old son. His full time job provides us our benefits, as well as pays all of our monthly bills without hassle.
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
509269
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:
| C |
Listing Duration:
| 14 days
|
|
Minimum Amount to Fund:
| $2,500 |
Estimated loss*:
| 6.10% | | |
|
Term:
| 36 months | | | | |
|
|
Lender yield:
| 17.99% |
Borrower rate/APR:
| 18.99% / 22.36% |
Monthly payment:
| $91.63 |
| |
|
Lender servicing fee:
| 1.00% |
Effective Yield*:
| 17.57% | | |
| |
Estimated return*:
| 11.47% | | |
* 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:
| Jun-1997 |
Debt/Income ratio:
| 21% |
|
Credit score:
| 740-759 (Jun-2011) |
Inquiries last 6m:
| 0 | Employment status: | Employed |
|
Now delinquent:
| 0 |
Current / open credit lines:
| 10
/
5 | Length of status: | 9y 4m |
|
Amount delinquent:
| $0 |
Total credit lines:
| 54 |
Occupation: | Other |
|
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $2,025 | Stated income: | $25,000-$49,999 |
|
Delinquencies in last 7y:
| 3 |
Bankcard utilization:
| 75% | | |
| | |
Homeownership:
| Yes | | |
|
Screen name:
| carolina50 |
Borrower's state:
| NorthCarolina |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
| Loan history | Payment history | Credit score history |
|
Active / total loans:
| 0 / 2 |
On-time:
| 6 ( 100% )
| 740-759 (Latest)
|
|
Principal borrowed:
| $8,500.00 | < 31 days late:
| 0
( 0% )
| 640-659
(Jul-2008)
680-699
(Apr-2008)
|
|
Principal balance:
| $0.01 |
31+ days late:
| 0
( 0% )
|
|
Total payments billed:
| 6 | | |
Description
Making ends meet
Purpose of loan:
This loan will be used to...Home repair for air condition unit
My financial situation:
I am a good candidate for this loan because...I am grateful to be able to
Monthly net income: $ 2500.00
Monthly expenses: $ 2100.00
Housing: $ 950.00
Insurance: $
Car expenses: $ 250.00
Utilities: $ 200.00
Phone, cable, internet: $ 150.00
Food, entertainment: $ 150.00
Clothing, household expenses: $ 50.00
Credit cards and other loans: $ 150.00
Other expenses: $
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
509317
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:
| $15,000 |
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):
| 6 |
First credit line:
| Feb-2000 |
Debt/Income ratio:
| 37% |
|
Credit score:
| 720-739 (May-2011) |
Inquiries last 6m:
| 0 | Employment status: | Employed |
|
Now delinquent:
| 0 |
Current / open credit lines:
| 5
/
5 | Length of status: | 2y 11m |
|
Amount delinquent:
| $0 |
Total credit lines:
| 11 |
Occupation: | Police Officer/Corr... |
|
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $47,892 | Stated income: | $75,000-$99,999 |
|
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 71% | | |
| | |
Homeownership:
| No | | |
|
Screen name:
| kevnj |
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
Pay down credit card debt
Purpose of loan:
This loan will be used to... pay of credit card debt due to a failed business.
My financial situation:
I am a good candidate for this loan because... even though I have a large amount of credit card debt I have never been late on a payment.
Monthly net income: $4800
Monthly expenses: $
Housing: $0 - moved back in with parents to get the debt under control
Car Insurance: $150/month
Car expenses: $ 530/month
Utilities: $ None
Phone, cable, internet: $ 150/month
Food, entertainment: $250 month
Clothing, household expenses: $None
Credit cards and other loans: $1200
Other expenses: $
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
509343
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):
| 6 |
First credit line:
| May-2003 |
Debt/Income ratio:
| 18% |
|
Credit score:
| 640-659 (May-2011) |
Inquiries last 6m:
| 1 | Employment status: | Employed |
|
Now delinquent:
| 0 |
Current / open credit lines:
| 6
/
5 | Length of status: | 0y 9m |
|
Amount delinquent:
| $0 |
Total credit lines:
| 12 |
Occupation: | Analyst |
|
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $648 | Stated income: | $75,000-$99,999 |
|
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 92% | | |
| | |
Homeownership:
| No | | |
|
Screen name:
| orange-unequivocal-reward |
Borrower's state:
| Maryland |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Description
OPIS
Purpose of loan:
This loan will be used to...purchase a vehicle
My financial situation: is great because I have little bills
I am a good candidate for this loan because...I am making enough money to pay off this loan with no problem because my bills are at a minimum.
Monthly net income: $ 4,100
Monthly expenses: $ 1,280.00
Housing: $ Live with parents - rent free
Insurance: $ 200.00
Car expenses: $ gas 120.00
Utilities: $ 100.00
Phone, cable, internet: $ 160.00
Food, entertainment: $ 150.00
Clothing, household expenses: $ 100.00
Credit cards and other loans: $ 450.00
Other expenses: $
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
509349
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
|
Amount:
| $7,000.00 |
Prosper Rating:
| E |
Listing Duration:
| 14 days
|
|
Minimum Amount to Fund:
| $4,900 |
Estimated loss*:
| 14.70% | | |
|
Term:
| 36 months | | | | |
|
|
Lender yield:
| 30.99% |
Borrower rate/APR:
| 31.99% / 35.64% |
Monthly payment:
| $304.84 |
| |
|
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:
| Sep-1995 |
Debt/Income ratio:
| 35% |
|
Credit score:
| 640-659 (Jun-2011) |
Inquiries last 6m:
| 1 | Employment status: | Employed |
|
Now delinquent:
| 1 |
Current / open credit lines:
| 21
/
15 | Length of status: | 2y 5m |
|
Amount delinquent:
| $626 |
Total credit lines:
| 30 |
Occupation: | Professional |
|
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $13,104 | Stated income: | $25,000-$49,999 |
|
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 45% | | |
| | |
Homeownership:
| Yes | | |
|
Screen name:
| currency-warmth |
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: Consolidate Debt
This loan will be used to... Put all debt into one for easy payoff
My financial situation:
I am a good candidate for this loan because... I pay all of my debts on time, minus a hospital bill that slipped past me. I am trying to simplify my life and hopefully start fresh and clean in a year to provide a happy and fun life for my family.
Monthly net income: $ 2100
Monthly expenses: $ 1200
Housing: $ 350
Insurance: $ included in mortgage
Car expenses: $ 50 Bus
Utilities: $ 200
Phone, cable, internet: $ 100
Food, entertainment: $ 100
Clothing, household expenses: $ 50
Credit cards and other loans: $ 600
Other expenses: $
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
509355
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*:
| 13.00% | | |
|
Term:
| 12 months | | | | |
|
|
Lender yield:
| 25.69% |
Borrower rate/APR:
| 26.69% / 35.84% |
Monthly payment:
| $719.00 |
| |
|
Lender servicing fee:
| 1.00% |
Effective Yield*:
| 24.52% | | |
| |
Estimated return*:
| 11.52% | | |
* 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-1991 |
Debt/Income ratio:
| Self-employed (DTI Not Calculated) |
|
Credit score:
| 620-639 (Jun-2011) |
Inquiries last 6m:
| 1 | Employment status: | Self-employed |
|
Now delinquent:
| 0 |
Current / open credit lines:
| 12
/
11 | Length of status: | 1y 7m |
|
Amount delinquent:
| $0 |
Total credit lines:
| 36 |
Occupation: | Attorney |
|
Public records last 12m / 10y:
| 0/ 1 |
Revolving credit balance:
| $34,822 | Stated income: | $75,000-$99,999 |
|
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 99% | | |
| | |
Homeownership:
| Yes | | |
|
Screen name:
| alt-health-law |
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.
Prosper Activity
| Loan history | Payment history | Credit score history |
|
Active / total loans:
| 1 / 1 |
On-time:
| 18 ( 100% )
| 620-639 (Latest)
|
|
Principal borrowed:
| $2,400.00 | < 31 days late:
| 0
( 0% )
| 680-699
(Oct-2009)
|
|
Principal balance:
| $1,434.60 |
31+ days late:
| 0
( 0% )
|
|
Total payments billed:
| 18 | | |
Description
Solo attorney short-term financing
Purpose of loan: This loan will help attract new clients and service those clients.
My financial situation: Better than credit score indicates. Family income (wife's income plus my pension - 20 year firefighter) covers personal expenses, but allows none extra to finance business expansion and servicing of clients. Drop in credit score due to loss of credit lines that had been open, thus bankcard utilization increased and new vehicles for needed transportation has increased outstanding debt.
I am a good candidate for this loan because I am currently attracting clients, but need a cushion to be able to service those clients well while awaiting payments from clients. My first year: 25K revenue on a part-time basis. The first six months of this year (my fiscal year starts December 1): 25K revenue while transitioning from part-time to full-time. I now have 25K in A/R due over the next three months, but I need to service those clients, so I am requesting this loan.
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
509361
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:
| Aug-1991 |
Debt/Income ratio:
| 10% |
|
Credit score:
| 640-659 (Jun-2011) |
Inquiries last 6m:
| 6 | Employment status: | Employed |
|
Now delinquent:
| 1 |
Current / open credit lines:
| 6
/
5 | Length of status: | 21y 9m |
|
Amount delinquent:
| $630 |
Total credit lines:
| 17 |
Occupation: | Executive |
|
Public records last 12m / 10y:
| 0/ 2 |
Revolving credit balance:
| $1,703 | Stated income: | $50,000-$74,999 |
|
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 36% | | |
| | |
Homeownership:
| No | | |
|
Screen name:
| kind-gold-nebula |
Borrower's state:
| Tennessee |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Description
P&E Development
Purpose of loan:
This loan will be used to...do work at the city library.
My financial situation: good
I am a good candidate for this loan because...I can provide a contract with the city of Memphis.
Monthly net income: $4800
Monthly expenses: $1550
Housing: $0
Insurance: $200
Car expenses: $0
Utilities: $250
Phone, cable, internet: $150
Food, entertainment: $800
Clothing, household expenses: $100
Credit cards and other loans: $50
Other expenses: $
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
509391
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
|
Amount:
| $5,000.00 |
Prosper Rating:
| E |
Listing Duration:
| 14 days
|
|
Minimum Amount to Fund:
| $5,000 |
Estimated loss*:
| 14.70% | | |
|
Term:
| 36 months | | | | |
|
|
Lender yield:
| 30.99% |
Borrower rate/APR:
| 31.99% / 35.64% |
Monthly payment:
| $217.74 |
| |
|
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):
| 3 |
First credit line:
| Jul-1999 |
Debt/Income ratio:
| 30% |
|
Credit score:
| 740-759 (May-2011) |
Inquiries last 6m:
| 0 | Employment status: | Employed |
|
Now delinquent:
| 0 |
Current / open credit lines:
| 10
/
8 | Length of status: | 10y 9m |
|
Amount delinquent:
| $0 |
Total credit lines:
| 29 |
Occupation: | Other |
|
Public records last 12m / 10y:
| 0/ 1 |
Revolving credit balance:
| $1,269 | Stated income: | $25,000-$49,999 |
|
Delinquencies in last 7y:
| 4 |
Bankcard utilization:
| 101% | | |
| | |
Homeownership:
| Yes | | |
|
Screen name:
| social-backer7 |
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
loan1
Purpose of loan:
This loan will be used to...pay off a credit card and two personal accounts this would save us money.
My financial situation: columbia credit union
I am a good candidate for this loan because...my history on my credit shows good payment history.
Monthly net income: $2800
Monthly expenses: $2600
Housing: $1095.00
Insurance: 45.00per paycheck
Car expenses: $598.00
Utilities: $198.00
Phone, cable, internet: $38.00
Food, entertainment: $350
Clothing, household expenses: $
Credit cards and other loans: $200.00
Other expenses: $
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
509403
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:
| Oct-2003 |
Debt/Income ratio:
| 18% |
|
Credit score:
| 640-659 (May-2011) |
Inquiries last 6m:
| 3 | Employment status: | Employed |
|
Now delinquent:
| 0 |
Current / open credit lines:
| 11
/
10 | Length of status: | 0y 4m |
|
Amount delinquent:
| $0 |
Total credit lines:
| 16 |
Occupation: | Retail Management |
|
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $1,590 | Stated income: | $25,000-$49,999 |
|
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 70% | | |
| | |
Homeownership:
| No | | |
|
Screen name:
| the-unabashed-listing6 |
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
Moving On
Purpose of loan:
Hi Everyone! This loan will be used to fully pay off 1 revolving credit card that I have significantly decreased over time. Out of my 25 years of life, I have fully supported myself financially for 9 years, never asking for help from others but to put myself through school, which I have successfully graduated by the way! However, this credit card is one thing that I have not been able to totally eliminate.
My financial situation:
I am a good candidate for this loan because I have a good credit score. Besides my school loans, this credit card balance is holding me back from my financial freedom. I am responsible with my payments; I have never been delinquent nor have I ever claimed bankruptcy. I have a full-time job and can and will pay my statment every month. Clearing out this credit card will allow me better ability to save and get ahead. This will be a big step ahead for me. Please help me clear this card out. Thank you so much for your time and support!
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
509415
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*:
| 3.80% | | |
|
Term:
| 36 months | | | | |
|
|
Lender yield:
| 10.40% |
Borrower rate/APR:
| 11.40% / 13.52% |
Monthly payment:
| $329.28 |
| |
|
Lender servicing fee:
| 1.00% |
Effective Yield*:
| 10.37% | | |
| |
Estimated return*:
| 6.57% | | |
* 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):
| 9 |
First credit line:
| Jul-1994 |
Debt/Income ratio:
| 7% |
|
Credit score:
| 760-779 (May-2011) |
Inquiries last 6m:
| 0 | Employment status: | Employed |
|
Now delinquent:
| 3 |
Current / open credit lines:
| 1
/
1 | Length of status: | 11y 3m |
|
Amount delinquent:
| $56,089 |
Total credit lines:
| 31 |
Occupation: | Police Officer/Corr... |
|
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $49 | Stated income: | $50,000-$74,999 |
|
Delinquencies in last 7y:
| 30 |
Bankcard utilization:
| 16% | | |
| | |
Homeownership:
| No | | |
|
Screen name:
| goodhearted-point9 |
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
Student Loan
Purpose of loan: student loan
This loan will be used to...
I am in Law Enforcement and will be furthering my education.
My financial situation: Is very good. My car is paid off. My only major expense is my home.
I am a good candidate for this loan because... I will further my degree and will make more money. I pay my bills on time.
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
509433
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):
| 1 |
First credit line:
| Jun-2001 |
Debt/Income ratio:
| 42% |
|
Credit score:
| 640-659 (Jun-2011) |
Inquiries last 6m:
| 5 | Employment status: | Employed |
|
Now delinquent:
| 2 |
Current / open credit lines:
| 10
/
8 | Length of status: | 12y 0m |
|
Amount delinquent:
| $2,279 |
Total credit lines:
| 27 |
Occupation: | Military Enlisted |
|
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $10,595 | Stated income: | $50,000-$74,999 |
|
Delinquencies in last 7y:
| 3 |
Bankcard utilization:
| 93% | | |
| | |
Homeownership:
| No | | |
|
Screen name:
| treasure-deployment |
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
Loan
Purpose of loan:
This loan will be used to...
My financial situation: Help tak ecare of my sick father who has recently moved into our home.
I am a good candidate for this loan because...
Monthly net income: $ 4800
Monthly expenses: $3800
Housing: $850
Insurance: $96
Car expenses: $432
Utilities: $300
Phone, cable, internet: $150
Food, entertainment: $300
Clothing, household expenses: $150
Credit cards and other loans: $100
Other expenses: $
1400
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
509489
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:
| Feb-1987 |
Debt/Income ratio:
| 7% |
|
Credit score:
| 660-679 (Jun-2011) |
Inquiries last 6m:
| 1 | Employment status: | Employed |
|
Now delinquent:
| 1 |
Current / open credit lines:
| 0
/
0 | Length of status: | 6y 10m |
|
Amount delinquent:
| $80 |
Total credit lines:
| 2 |
Occupation: | Clerical |
|
Public records last 12m / 10y:
| 0/ 1 |
Revolving credit balance:
| $0 | Stated income: | $25,000-$49,999 |
|
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 0% | | |
| | |
Homeownership:
| No | | |
|
Screen name:
| impeccable-worth566 |
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
other
Purpose of loan:
This loan will be used to...pay for expenses
My financial situation:
I am a good candidate for this loan because...
Monthly net income: $1700
Monthly expenses: $0
Housing: $0
Insurance: $650.00
Car expenses: $150.00
Utilities: $0
Phone, cable, internet: $100.00
Food, entertainment: $200.00
Clothing, household expenses: $200.00
Credit cards and other loans: $0.00
Other expenses: $150.00
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
509525
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
|
Amount:
| $15,000.00 |
Prosper Rating:
| B |
Listing Duration:
| 14 days
|
|
Minimum Amount to Fund:
| $15,000 |
Estimated loss*:
| 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:
| Nov-1995 |
Debt/Income ratio:
| 35% |
|
Credit score:
| 740-759 (Jun-2011) |
Inquiries last 6m:
| 0 | Employment status: | Employed |
|
Now delinquent:
| 0 |
Current / open credit lines:
| 15
/
12 | Length of status: | 13y 1m |
|
Amount delinquent:
| $0 |
Total credit lines:
| 38 |
Occupation: | Other |
|
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $21,310 | Stated income: | $50,000-$74,999 |
|
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 41% | | |
| | |
Homeownership:
| Yes | | |
|
Screen name:
| leverage-chomper |
Borrower's state:
| Wyoming |
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
cons. loan
Purpose of loan: debt consolidation
This loan will be used to...
My financial situation: The Bank of Buffalo
I am a good candidate for this loan because...
Monthly net income: $3780
Monthly expenses: $
Housing: $1000
Insurance: $50
Car expenses: $200
Utilities: $100
Phone, cable, internet: $175
Food, entertainment: $200
Clothing, household expenses: $75
Credit cards and other loans: $1200-1500
Other expenses: $255
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
509531
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:
| $17,000.00 |
Prosper Rating:
| A |
Listing Duration:
| 14 days
|
|
Minimum Amount to Fund:
| $11,900 |
Estimated loss*:
| 3.80% | | |
|
Term:
| 60 months | | | | |
|
|
Lender yield:
| 13.90% |
Borrower rate/APR:
| 14.90% / 16.29% |
Monthly payment:
| $403.54 |
| |
|
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):
| 9 |
First credit line:
| Oct-1999 |
Debt/Income ratio:
| 20% |
|
Credit score:
| 740-759 (May-2011) |
Inquiries last 6m:
| 0 | Employment status: | Employed |
|
Now delinquent:
| 0 |
Current / open credit lines:
| 7
/
5 | Length of status: | 10y 9m |
|
Amount delinquent:
| $0 |
Total credit lines:
| 21 |
Occupation: | Computer Programmer |
|
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $12,024 | Stated income: | $75,000-$99,999 |
|
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 55% | | |
| | |
Homeownership:
| Yes | | |
|
Screen name:
| kayak614 |
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
Home Improvement- Basement
The funds will fully remodel my home basement. Currently, the basement is a concrete floor with some roughed-in plumbing. This is for heating, electricity, plumbing, and the building of a bathroom, bedroom, and kitchenette - leaving a large open space as a living area.
When my wife and I got the house, we had the chance for the seller to finish the basement. However, they would only do it one way - not the way we would want (small rooms, small hallways, small bathroom). We were thinking no hallways - just the open space with rooms branching off. I have since received a raise and been put on a bonus program - giving us the income to be able to get a loan to get the basement done and done our way.
My wife is also newly pregnant, so we've gained some urgency (as the bedroom to be added will be used as an office, opening a bedroom upstairs for the nursery). Because of the urgency, we've made the decision to get a loan now over saving over the next 4 years to get it done later.
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
509567
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:
| Oct-1975 |
Debt/Income ratio:
| 31% |
|
Credit score:
| 680-699 (Jun-2011) |
Inquiries last 6m:
| 1 | Employment status: | Employed |
|
Now delinquent:
| 3 |
Current / open credit lines:
| 9
/
9 | Length of status: | 34y 0m |
|
Amount delinquent:
| $5,734 |
Total credit lines:
| 34 |
Occupation: | Nurse (RN) |
|
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $12,228 | Stated income: | $75,000-$99,999 |
|
Delinquencies in last 7y:
| 3 |
Bankcard utilization:
| 47% | | |
| | |
Homeownership:
| Yes | | |
|
Screen name:
| openness-phoenix |
Borrower's state:
| Missouri |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Description
housing for son and daughter in law
Purpose of loan: pay bills and housing deposit for son and daughter in law
This loan will be used to...
My financial situation: good
I am a good candidate for this loan because... i have been on my job for over 30 years and have ok credit
Monthly net income: $ 6500
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
509579
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*:
| 10.00% | | |
|
Term:
| 60 months | | | | |
|
|
Lender yield:
| 25.99% |
Borrower rate/APR:
| 26.99% / 29.37% |
Monthly payment:
| $457.94 |
| |
|
Lender servicing fee:
| 1.00% |
Effective Yield*:
| 25.34% | | |
| |
Estimated return*:
| 15.34% | | |
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
|
Prosper score (1-10):
| 5 |
First credit line:
| Jul-1983 |
Debt/Income ratio:
| 17% |
|
Credit score:
| 620-639 (Jun-2011) |
Inquiries last 6m:
| 1 | Employment status: | Employed |
|
Now delinquent:
| 1 |
Current / open credit lines:
| 11
/
12 | Length of status: | 6y 4m |
|
Amount delinquent:
| $108 |
Total credit lines:
| 21 |
Occupation: | Professional |
|
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $10,636 | Stated income: | $50,000-$74,999 |
|
Delinquencies in last 7y:
| 7 |
Bankcard utilization:
| 61% | | |
| | |
Homeownership:
| Yes | | |
|
Screen name:
| top-peso-washboard |
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:
| 6 ( 100% )
| 620-639 (Latest)
|
|
Principal borrowed:
| $7,000.00 | < 31 days late:
| 0
( 0% )
| 720-739
(Oct-2010)
|
|
Principal balance:
| $6,183.78 |
31+ days late:
| 0
( 0% )
|
|
Total payments billed:
| 6 | | |
Description
Serendipidy
Purpose of loan:
This loan will be used to...fund short term investment on sale of property
My financial situation:
I am a good candidate for this loan because...I have proven ability to pay loan as agreed. Good credit risk
Monthly net income: $50000
Monthly expenses:
Housing: $500
Insurance: $50
Car expenses: $150
Utilities: $125
Phone, cable, internet: $140
Food, entertainment: $300
Clothing, household expenses: $25
Credit cards and other loans: $100
Other expenses: $
Information in the Description is not verified.