Listing Report:Supplement No. 28 dated Oct 24, 2011 to Prospectus dated Oct 07, 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 Oct 07, 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 Oct 07, 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
527438
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:
| C |
Listing Duration:
| 14 days
|
Minimum Amount to Fund:
| $2,000 |
Estimated loss*:
| 8.50% | | |
Term:
| 36 months | | | | |
|
Lender yield:
| 21.05% |
Borrower rate/APR:
| 22.05% / 25.49% |
Monthly payment:
| $76.43 |
|
Lender servicing fee:
| 1.00% |
Effective Yield*:
| 20.56% | | |
| |
Estimated return*:
| 12.06% | | |
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10):
| 4 |
First credit line:
| Jun-2006 |
Debt/Income ratio:
| Not calculated |
Credit score:
| 680-699 (Oct-2011) |
Inquiries last 6m:
| 0 | Employment status: | Other |
Now delinquent:
| 0 |
Current / open credit lines:
| 2
/
2 | Length of status: | 5y 9m |
Amount delinquent:
| $0 |
Total credit lines:
| 3 |
Occupation: | Other |
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $421 | Stated income: | $1-$24,999 |
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 71% | | |
| |
Homeownership:
| No | | |
Screen name:
| alaskanbearcub |
Borrower's state:
| Alaska |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan history | Payment history | Credit score history |
Active / total loans:
| 1 / 1 |
On-time:
| 12 ( 100% )
| 680-699 (Latest)
|
Principal borrowed:
| $1,000.00 | < 31 days late:
| 0
( 0% )
| 700-719
(Sep-2010)
|
Principal balance:
| $24.77 |
31+ days late:
| 0
( 0% )
|
Total payments billed:
| 12 | | |
Description
Medical, Debt, and Buffer Funds
I will use this loan to:
1) pay for a new pair of glasses(including necessary travel costs), as my prescription needs to be verified/updated
2) pay off credit card debt
3) leave a buffer for the coming winter months.
My financial situation:
I am a good candidate for this loan because:
1) I do not make late payments if I can avoid it
2) My current prosper loan will be paid off(VERY early) within a week or so of creating this listing
3) When summer comes back around, I will either be starting a business, or getting a job to contribute to my monthly income
Monthly net income: $1500
Monthly expenses: $1,180/month, breakdown below
Housing: $650
Car expenses: None, I ride a bike and take a cab when needed
Utilities: $100
Phone, cable, internet: $130
Food, entertainment: $100
Credit cards and other loans: $150
Other expenses: $50
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
534236
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount:
| $10,000.00 |
Prosper Rating:
| B |
Listing Duration:
| 14 days
|
Minimum Amount to Fund:
| $7,000 |
Estimated loss*:
| 5.20% | | |
Term:
| 60 months | | | | |
|
Lender yield:
| 19.56% |
Borrower rate/APR:
| 20.56% / 22.03% |
Monthly payment:
| $268.06 |
|
Lender servicing fee:
| 1.00% |
Effective Yield*:
| 19.21% | | |
| |
Estimated return*:
| 14.01% | | |
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10):
| 7 |
First credit line:
| May-1991 |
Debt/Income ratio:
| 17% |
Credit score:
| 660-679 (Oct-2011) |
Inquiries last 6m:
| 1 | Employment status: | Employed |
Now delinquent:
| 0 |
Current / open credit lines:
| 7
/
7 | Length of status: | 2y 4m |
Amount delinquent:
| $0 |
Total credit lines:
| 19 |
Occupation: | Other |
Public records last 12m / 10y:
| 0/ 1 |
Revolving credit balance:
| $15,519 | Stated income: | $100,000+ |
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 73% | | |
| |
Homeownership:
| No | | |
Screen name:
| basis-spartan4 |
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:
| 10 ( 100% )
| 660-679 (Latest)
|
Principal borrowed:
| $15,000.00 | < 31 days late:
| 0
( 0% )
| 760-779
(Dec-2010)
740-759
(Oct-2010)
|
Principal balance:
| $13,298.14 |
31+ days late:
| 0
( 0% )
|
Total payments billed:
| 10 | | |
Description
My loan for home improvement
No description is available.
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
534844
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:
| C |
Listing Duration:
| 14 days
|
Minimum Amount to Fund:
| $2,100 |
Estimated loss*:
| 8.50% | | |
Term:
| 36 months | | | | |
|
Lender yield:
| 21.05% |
Borrower rate/APR:
| 22.05% / 25.49% |
Monthly payment:
| $114.65 |
|
Lender servicing fee:
| 1.00% |
Effective Yield*:
| 20.56% | | |
| |
Estimated return*:
| 12.06% | | |
* 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:
| Jul-1982 |
Debt/Income ratio:
| 22% |
Credit score:
| 700-719 (Oct-2011) |
Inquiries last 6m:
| 4 | Employment status: | Employed |
Now delinquent:
| 0 |
Current / open credit lines:
| 8
/
8 | Length of status: | 6y 4m |
Amount delinquent:
| $0 |
Total credit lines:
| 35 |
Occupation: | Other |
Public records last 12m / 10y:
| 0/ 2 |
Revolving credit balance:
| $4,351 | Stated income: | $50,000-$74,999 |
Delinquencies in last 7y:
| 5 |
Bankcard utilization:
| 103% | | |
| |
Homeownership:
| No | | |
Screen name:
| serene-pound4 |
Borrower's state:
| Pennsylvania |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan history | Payment history | Credit score history |
Active / total loans:
| 1 / 1 |
On-time:
| 9 ( 100% )
| 700-719 (Latest)
|
Principal borrowed:
| $7,500.00 | < 31 days late:
| 0
( 0% )
| 700-719
(Jan-2011)
|
Principal balance:
| $6,182.48 |
31+ days late:
| 0
( 0% )
|
Total payments billed:
| 9 | | |
Description
to expand business
Purpose of loan:
This loan will be used to...equipment and advertisement
My financial situation:
I am a good candidate for this loan because...
Monthly net income: $2826.00
Monthly expenses: $1640.00
Housing: $530.00
Insurance: $50.00
Car expenses: $300.00
Utilities: $100.00
Phone, cable, internet: $60.00
Food, entertainment: $200.00
Clothing, household expenses: $50.00
Credit cards and other loans: $400.00
Other expenses: $
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
534920
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*:
| 16.50% | | |
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*:
| 12.67% | | |
* 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:
| Jan-1997 |
Debt/Income ratio:
| Self-employed (DTI Not Calculated) |
Credit score:
| 680-699 (Oct-2011) |
Inquiries last 6m:
| 1 | Employment status: | Self-employed |
Now delinquent:
| 0 |
Current / open credit lines:
| 0
/
0 | Length of status: | 2y 4m |
Amount delinquent:
| $0 |
Total credit lines:
| 15 |
Occupation: | Sales - Retail |
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $0 | Stated income: | $25,000-$49,999 |
Delinquencies in last 7y:
| 6 |
Bankcard utilization:
| 0% | | |
| |
Homeownership:
| No | | |
Screen name:
| funds-scout0 |
Borrower's state:
| NewJersey |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Description
My personal loan for my business
Purpose of loan:
This loan will be used to...Pay Bills
My financial situation:
I am a good candidate for this loan because...
Monthly net income: $2,500
Monthly expenses: $680.
Housing: $0
Insurance: $128.80
Car expenses: $0
Utilities: $0
Phone, cable, internet: $0
Food, entertainment: $150
Clothing, household expenses: $0
Credit cards and other loans: $0
Other expenses: $
$400
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
534940
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount:
| $4,000.00 |
Prosper Rating:
| E |
Listing Duration:
| 14 days
|
Minimum Amount to Fund:
| $2,800 |
Estimated loss*:
| 14.70% | | |
Term:
| 36 months | | | | |
|
Lender yield:
| 30.49% |
Borrower rate/APR:
| 31.49% / 35.13% |
Monthly payment:
| $173.09 |
|
Lender servicing fee:
| 1.00% |
Effective Yield*:
| 29.09% | | |
| |
Estimated return*:
| 14.39% | | |
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10):
| 5 |
First credit line:
| Dec-2002 |
Debt/Income ratio:
| 51% |
Credit score:
| 680-699 (Oct-2011) |
Inquiries last 6m:
| 1 | Employment status: | Employed |
Now delinquent:
| 0 |
Current / open credit lines:
| 10
/
8 | Length of status: | 0y 1m |
Amount delinquent:
| $0 |
Total credit lines:
| 27 |
Occupation: | Food Service |
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $11,132 | Stated income: | $25,000-$49,999 |
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 55% | | |
| |
Homeownership:
| No | | |
Screen name:
| value-sprout |
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
Elizabeth
No description is available.
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
534946
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:
| $3,600.00 |
Prosper Rating:
| AA |
Listing Duration:
| 14 days
|
Minimum Amount to Fund:
| $2,520 |
Estimated loss*:
| 1.50% | | |
Term:
| 36 months | | | | |
|
Lender yield:
| 7.54% |
Borrower rate/APR:
| 8.54% / 8.88% |
Monthly payment:
| $113.71 |
|
Lender servicing fee:
| 1.00% |
Effective Yield*:
| 7.54% | | |
| |
Estimated return*:
| 6.04% | | |
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10):
| 10 |
First credit line:
| May-1999 |
Debt/Income ratio:
| 11% |
Credit score:
| 780-799 (Oct-2011) |
Inquiries last 6m:
| 0 | Employment status: | Employed |
Now delinquent:
| 0 |
Current / open credit lines:
| 6
/
4 | Length of status: | 10y 0m |
Amount delinquent:
| $0 |
Total credit lines:
| 37 |
Occupation: | Landscaping |
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $940 | Stated income: | $50,000-$74,999 |
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 5% | | |
| |
Homeownership:
| No | | |
Screen name:
| scholarly-marketplace1 |
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
for money
No description is available.
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
534952
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount:
| $3,500.00 |
Prosper Rating:
| B |
Listing Duration:
| 14 days
|
Minimum Amount to Fund:
| $2,450 |
Estimated loss*:
| 5.95% | | |
Term:
| 36 months | | | | |
|
Lender yield:
| 16.99% |
Borrower rate/APR:
| 17.99% / 20.20% |
Monthly payment:
| $126.52 |
|
Lender servicing fee:
| 1.00% |
Effective Yield*:
| 16.69% | | |
| |
Estimated return*:
| 10.74% | | |
* 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-1987 |
Debt/Income ratio:
| 13% |
Credit score:
| 700-719 (Oct-2011) |
Inquiries last 6m:
| 0 | Employment status: | Employed |
Now delinquent:
| 0 |
Current / open credit lines:
| 4
/
4 | Length of status: | 0y 1m |
Amount delinquent:
| $0 |
Total credit lines:
| 6 |
Occupation: | Bus Driver |
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $8,244 | Stated income: | $25,000-$49,999 |
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 89% | | |
| |
Homeownership:
| No | | |
Screen name:
| Always-Optimistic-Ed |
Borrower's state:
| Pennsylvania |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Description
Just repaying a friend sooner.
Repaying a friend quicker.
My financial situation:
I have 2 CCs balances. The interest rates are reasonable.
CC #1: Balance = $4901.67 with an interest rate of 9.24%
CC #2: Balance = $3343.16 with an interest rate of 10.24%
I have stock holdings with a value of around $2000 (which at one time was worth around $400,000... I got hurt) and a substantial art collection that is difficult to place a value on.
Also, I'm living at my mom's place and she is being very kind about not charging me room & board for now.
Monthly net income: $2413.67 ($557/week average x 52 weeks / 12 months)
Total monthly expenses: $744.73
Housing: $0
Insurance: $173.64 (health ins.) $71.09 (auto- full coverage) = $244.73
Car expenses: $125.00
Utilities: $0
Phone, cable, internet: $50.00
CC cards and other loans: $200/month
Other expenses: $125.00
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
534956
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:
| $3,200.00 |
Prosper Rating:
| D |
Listing Duration:
| 14 days
|
Minimum Amount to Fund:
| $2,240 |
Estimated loss*:
| 11.20% | | |
Term:
| 36 months | | | | |
|
Lender yield:
| 24.99% |
Borrower rate/APR:
| 25.99% / 29.51% |
Monthly payment:
| $128.91 |
|
Lender servicing fee:
| 1.00% |
Effective Yield*:
| 24.37% | | |
| |
Estimated return*:
| 13.17% | | |
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10):
| 6 |
First credit line:
| Nov-1990 |
Debt/Income ratio:
| 9% |
Credit score:
| 700-719 (Oct-2011) |
Inquiries last 6m:
| 0 | Employment status: | Employed |
Now delinquent:
| 0 |
Current / open credit lines:
| 3
/
3 | Length of status: | 1y 0m |
Amount delinquent:
| $0 |
Total credit lines:
| 32 |
Occupation: | Truck Driver |
Public records last 12m / 10y:
| 0/ 2 |
Revolving credit balance:
| $0 | Stated income: | $25,000-$49,999 |
Delinquencies in last 7y:
| 1 |
Bankcard utilization:
| 0% | | |
| |
Homeownership:
| Yes | | |
Screen name:
| wampum-taco6 |
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
Concerned
Purpose of loan:
This loan will be used to...
My financial situation:
I am a good candidate for this loan because...I need some help with paying on some bills.
Monthly net income: $1800
Monthly expenses: $300
Housing: $449.19
Insurance: $70
Car expenses: $0
Utilities: $205
Phone, cable, internet: $178
Food, entertainment: $125
Clothing, household expenses: $200
Credit cards and other loans: $0
Other expenses: $370
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
534976
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:
| $10,000 |
Estimated loss*:
| 3.80% | | |
Term:
| 36 months | | | | |
|
Lender yield:
| 12.90% |
Borrower rate/APR:
| 13.90% / 16.06% |
Monthly payment:
| $341.29 |
|
Lender servicing fee:
| 1.00% |
Effective Yield*:
| 12.85% | | |
| |
Estimated return*:
| 9.05% | | |
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10):
| 8 |
First credit line:
| Dec-1991 |
Debt/Income ratio:
| 26% |
Credit score:
| 800-819 (Oct-2011) |
Inquiries last 6m:
| 0 | Employment status: | Employed |
Now delinquent:
| 0 |
Current / open credit lines:
| 9
/
8 | Length of status: | 10y 1m |
Amount delinquent:
| $0 |
Total credit lines:
| 19 |
Occupation: | Skilled Labor |
Public records last 12m / 10y:
| 0/ 1 |
Revolving credit balance:
| $6,005 | Stated income: | $50,000-$74,999 |
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 7% | | |
| |
Homeownership:
| Yes | | |
Screen name:
| influential-funds6 |
Borrower's state:
| Alabama |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Description
Bill Consolidation
Purpose of loan:
This loan will be used to pay off my account for a previous minor surgery and to reduce interest rate on department store card.
My financial situation:
I am a good candidate for this loan because I am looking at saving $160 a month from what I am currently paying. By the scenario that was given to me.
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
534978
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:
| B |
Listing Duration:
| 14 days
|
Minimum Amount to Fund:
| $2,500 |
Estimated loss*:
| 5.95% | | |
Term:
| 36 months | | | | |
|
Lender yield:
| 16.99% |
Borrower rate/APR:
| 17.99% / 20.20% |
Monthly payment:
| $90.37 |
|
Lender servicing fee:
| 1.00% |
Effective Yield*:
| 16.69% | | |
| |
Estimated return*:
| 10.74% | | |
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10):
| 8 |
First credit line:
| Jun-1994 |
Debt/Income ratio:
| 14% |
Credit score:
| 720-739 (Oct-2011) |
Inquiries last 6m:
| 0 | Employment status: | Employed |
Now delinquent:
| 0 |
Current / open credit lines:
| 14
/
10 | Length of status: | 14y 11m |
Amount delinquent:
| $0 |
Total credit lines:
| 38 |
Occupation: | Engineer - Mechanic... |
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $5,669 | Stated income: | $100,000+ |
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 96% | | |
| |
Homeownership:
| Yes | | |
Screen name:
| asset-fertilizer9 |
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
Unsecured
Purpose of loan:
This loan will be used to...consolidate
My financial situation:
I am a good candidate for this loan because...
Monthly net income: $
Monthly expenses: $
Housing: $
Insurance: $
Car expenses: $
Utilities: $
Phone, cable, internet: $
Food, entertainment: $
Clothing, household expenses: $
Credit cards and other loans: $
Other expenses: $
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
534992
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount:
| $7,000.00 |
Prosper Rating:
| D |
Listing Duration:
| 14 days
|
Minimum Amount to Fund:
| $4,900 |
Estimated loss*:
| 10.50% | | |
Term:
| 36 months | | | | |
|
Lender yield:
| 24.74% |
Borrower rate/APR:
| 25.74% / 29.25% |
Monthly payment:
| $281.07 |
|
Lender servicing fee:
| 1.00% |
Effective Yield*:
| 24.13% | | |
| |
Estimated return*:
| 13.63% | | |
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10):
| 4 |
First credit line:
| Jan-1987 |
Debt/Income ratio:
| 58% |
Credit score:
| 640-659 (Oct-2011) |
Inquiries last 6m:
| 1 | Employment status: | Employed |
Now delinquent:
| 3 |
Current / open credit lines:
| 9
/
8 | Length of status: | 4y 2m |
Amount delinquent:
| $2,631 |
Total credit lines:
| 21 |
Occupation: | Other |
Public records last 12m / 10y:
| 0/ 1 |
Revolving credit balance:
| $5,810 | Stated income: | $25,000-$49,999 |
Delinquencies in last 7y:
| 6 |
Bankcard utilization:
| 17% | | |
| |
Homeownership:
| No | | |
Screen name:
| red-diversification-resonance |
Borrower's state:
| California |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan history | Payment history | Credit score history |
Active / total loans:
| 1 / 1 |
On-time:
| 11 ( 100% )
| 640-659 (Latest)
|
Principal borrowed:
| $4,000.00 | < 31 days late:
| 0
( 0% )
| 740-759
(Oct-2010)
|
Principal balance:
| $3,102.67 |
31+ days late:
| 0
( 0% )
|
Total payments billed:
| 11 | | |
Description
paying off two more credit cards
Purpose of loan:paying off two more credit cards
This loan will be used to: pay off two more credit cards as I continue to eliminate debt.
My financial situation: I have a steady job, and continue to pay my bills on time, most of the time.
I am a good candidate for this loan because: I have an 11-month perfect payment record with Prosper, and the relative I live with charges me only $100 per month rent and $50 utilities.
Monthly net income: $2800
Monthly expenses: $2400
Housing: $100
Insurance: $160
Car expenses: $800
Utilities: $50
Phone, cable, internet: $130
Food, entertainment: $300
Clothing, household expenses: $100
Credit cards and other loans: $760
Other expenses: $
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
535016
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:
| A |
Listing Duration:
| 14 days
|
Minimum Amount to Fund:
| $4,900 |
Estimated loss*:
| 2.00% | | |
Term:
| 36 months | | | | |
|
Lender yield:
| 10.10% |
Borrower rate/APR:
| 11.10% / 13.22% |
Monthly payment:
| $229.50 |
|
Lender servicing fee:
| 1.00% |
Effective Yield*:
| 10.07% | | |
| |
Estimated return*:
| 8.07% | | |
* 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-1989 |
Debt/Income ratio:
| 15% |
Credit score:
| 680-699 (Oct-2011) |
Inquiries last 6m:
| 0 | Employment status: | Employed |
Now delinquent:
| 8 |
Current / open credit lines:
| 2
/
2 | Length of status: | 0y 6m |
Amount delinquent:
| $0 |
Total credit lines:
| 28 |
Occupation: | Nurse (LPN) |
Public records last 12m / 10y:
| 0/ 1 |
Revolving credit balance:
| $175 | Stated income: | $25,000-$49,999 |
Delinquencies in last 7y:
| 19 |
Bankcard utilization:
| 35% | | |
| |
Homeownership:
| Yes | | |
Screen name:
| gallant-p2p |
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:
| 10 ( 100% )
| 680-699 (Latest)
|
Principal borrowed:
| $5,000.00 | < 31 days late:
| 0
( 0% )
| 660-679
(Dec-2010)
|
Principal balance:
| $4,047.92 |
31+ days late:
| 0
( 0% )
|
Total payments billed:
| 10 | | |
Description
Horseloving
Purpose of loan:
This loan will be used to...do some needed home improvements and to take a valadycation
My financial situation:
I am a good candidate for this loan because...I am currently working full time for a number of nursing agencies I am a hard worker and have never missed a payment on my current loan .Thank you
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
535018
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*:
| 16.50% | | |
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*:
| 12.67% | | |
* 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:
| Dec-1995 |
Debt/Income ratio:
| Not calculated |
Credit score:
| 740-759 (Oct-2011) |
Inquiries last 6m:
| 0 | Employment status: | Employed |
Now delinquent:
| 1 |
Current / open credit lines:
| 3
/
3 | Length of status: | 4y 8m |
Amount delinquent:
| $59 |
Total credit lines:
| 11 |
Occupation: | Nurse's Aide |
Public records last 12m / 10y:
| 0/ 2 |
Revolving credit balance:
| $0 | Stated income: | $25,000-$49,999 |
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 0% | | |
| |
Homeownership:
| No | | |
Screen name:
| delicious-gain1 |
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
opening lawn care
Purpose of loan:
This loan will be used to...
My financial situation:
I am a good candidate for this loan because...
Monthly net income: $
Monthly expenses: $
Housing: $
Insurance: $
Car expenses: $
Utilities: $
Phone, cable, internet: $
Food, entertainment: $
Clothing, household expenses: $
Credit cards and other loans: $
Other expenses: $2000
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
535050
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:
| 30.49% |
Borrower rate/APR:
| 31.49% / 35.13% |
Monthly payment:
| $302.90 |
|
Lender servicing fee:
| 1.00% |
Effective Yield*:
| 29.09% | | |
| |
Estimated return*:
| 14.39% | | |
* 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:
| Nov-2001 |
Debt/Income ratio:
| 60% |
Credit score:
| 700-719 (Oct-2011) |
Inquiries last 6m:
| 0 | Employment status: | Employed |
Now delinquent:
| 0 |
Current / open credit lines:
| 3
/
3 | Length of status: | 1y 3m |
Amount delinquent:
| $0 |
Total credit lines:
| 5 |
Occupation: | Sales - Retail |
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $1,090 | Stated income: | $1-$24,999 |
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 54% | | |
| |
Homeownership:
| No | | |
Screen name:
| magnificent-note2 |
Borrower's state:
| Massachusetts |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Description
Mr
No description is available.
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
535060
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount:
| $10,000.00 |
Prosper Rating:
| B |
Listing Duration:
| 14 days
|
Minimum Amount to Fund:
| $7,000 |
Estimated loss*:
| 5.95% | | |
Term:
| 60 months | | | | |
|
Lender yield:
| 20.99% |
Borrower rate/APR:
| 21.99% / 23.48% |
Monthly payment:
| $276.13 |
|
Lender servicing fee:
| 1.00% |
Effective Yield*:
| 20.62% | | |
| |
Estimated return*:
| 14.67% | | |
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10):
| 8 |
First credit line:
| Jul-1990 |
Debt/Income ratio:
| 7% |
Credit score:
| 680-699 (Oct-2011) |
Inquiries last 6m:
| 2 | Employment status: | Employed |
Now delinquent:
| 0 |
Current / open credit lines:
| 4
/
3 | Length of status: | 3y 2m |
Amount delinquent:
| $0 |
Total credit lines:
| 16 |
Occupation: | Teacher |
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $4,479 | Stated income: | $50,000-$74,999 |
Delinquencies in last 7y:
| 3 |
Bankcard utilization:
| 23% | | |
| |
Homeownership:
| No | | |
Screen name:
| orange-creative-p2ploan |
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
Small Mall Business
Purpose of loan:
We will be setting up a stand in our local mall to sell "click to heat" or "heat in a snap" (its known by many different names) products. The funds will go to buying the stand, paying rent at the mall, and inventory.
My financial situation:
I have a steady job with good income, this business will operated separate from that.
Monthly net income: $ 3600
Housing: $600
Insurance: $80
Car expenses: $ (no car debt)
Utilities: $100
Phone, cable, internet: $50
Food, entertainment: $400
Clothing, household expenses: $200
Credit cards and other loans: $0 (these are paid off monthly, we only use them for cash back)
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
535080
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:
| 30.49% |
Borrower rate/APR:
| 31.49% / 35.13% |
Monthly payment:
| $324.54 |
|
Lender servicing fee:
| 1.00% |
Effective Yield*:
| 29.09% | | |
| |
Estimated return*:
| 14.39% | | |
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10):
| 5 |
First credit line:
| Dec-1994 |
Debt/Income ratio:
| 24% |
Credit score:
| 680-699 (Oct-2011) |
Inquiries last 6m:
| 0 | Employment status: | Employed |
Now delinquent:
| 0 |
Current / open credit lines:
| 13
/
12 | Length of status: | 3y 10m |
Amount delinquent:
| $0 |
Total credit lines:
| 46 |
Occupation: | Analyst |
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $10,869 | Stated income: | $75,000-$99,999 |
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 90% | | |
| |
Homeownership:
| Yes | | |
Screen name:
| funds-griffin5 |
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
NLG
Purpose of loan:
This loan will be used to...
My financial situation:
I am a good candidate for this loan because...
Monthly net income: $
Monthly expenses: $
Housing: $
Insurance: $
Car expenses: $
Utilities: $
Phone, cable, internet: $
Food, entertainment: $
Clothing, household expenses: $
Credit cards and other loans: $7,241.31
Other expenses: $
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
535110
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:
| 30.49% |
Borrower rate/APR:
| 31.49% / 35.13% |
Monthly payment:
| $216.36 |
|
Lender servicing fee:
| 1.00% |
Effective Yield*:
| 29.09% | | |
| |
Estimated return*:
| 14.39% | | |
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10):
| 5 |
First credit line:
| Apr-1997 |
Debt/Income ratio:
| 34% |
Credit score:
| 660-679 (Oct-2011) |
Inquiries last 6m:
| 0 | Employment status: | Other |
Now delinquent:
| 0 |
Current / open credit lines:
| 2
/
2 | Length of status: | 4y 3m |
Amount delinquent:
| $0 |
Total credit lines:
| 16 |
Occupation: | Other |
Public records last 12m / 10y:
| 0/ 1 |
Revolving credit balance:
| $1,695 | Stated income: | $1-$24,999 |
Delinquencies in last 7y:
| 22 |
Bankcard utilization:
| 73% | | |
| |
Homeownership:
| No | | |
Screen name:
| dinero-rotation6 |
Borrower's state:
| Ohio |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Description
mawmaw
Purpose of loan:
This loan will be used to...
My financial situation:
I am a good candidate for this loan because...
Monthly net income: $968.60
Monthly expenses: $400.00
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
532329
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount:
| $8,500.00 |
Prosper Rating:
| B |
Listing Duration:
| 14 days
|
Minimum Amount to Fund:
| $8,500 |
Estimated loss*:
| 5.20% | | |
Term:
| 36 months | | | | |
|
Lender yield:
| 15.56% |
Borrower rate/APR:
| 16.56% / 18.75% |
Monthly payment:
| $301.19 |
|
Lender servicing fee:
| 1.00% |
Effective Yield*:
| 15.29% | | |
| |
Estimated return*:
| 10.09% | | |
* 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:
| 48% |
Credit score:
| 680-699 (Oct-2011) |
Inquiries last 6m:
| 0 | Employment status: | Employed |
Now delinquent:
| 0 |
Current / open credit lines:
| 7
/
7 | Length of status: | 3y 9m |
Amount delinquent:
| $0 |
Total credit lines:
| 17 |
Occupation: | Police Officer/Corr... |
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $8,156 | Stated income: | $25,000-$49,999 |
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 60% | | |
| |
Homeownership:
| Yes | | |
Screen name:
| fishocmd |
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.
Prosper Activity
Loan history | Payment history | Credit score history |
Active / total loans:
| 0 / 2 |
On-time:
| 44 ( 100% )
| 680-699 (Latest)
|
Principal borrowed:
| $8,000.00 | < 31 days late:
| 0
( 0% )
| 760-779
(May-2010)
660-679
(Jun-2008)
|
Principal balance:
| $0.00 |
31+ days late:
| 0
( 0% )
|
Total payments billed:
| 44 | | |
Description
Business booming- more equipment!
Purpose of loan:
This loan will be used to purchase new equipment for my marine fabrication/ yacht services company. We have outgrown our current equipment, and need to add additional machines to our fleet.
My financial situation:
I am a good candidate for this loan because... I have had 2 prosper loans to date, both of which were paid off in full, ahead of schedule. I am a hardworking, responsible business owner, and am very meticulous about paying my bills on time.I do intend to set up the Auto-Pay option, as I have on my other 2 Prosper loans.
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
533501
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:
| 36 months | | | | |
|
Lender yield:
| 24.99% |
Borrower rate/APR:
| 25.99% / 29.51% |
Monthly payment:
| $402.85 |
|
Lender servicing fee:
| 1.00% |
Effective Yield*:
| 24.37% | | |
| |
Estimated return*:
| 13.17% | | |
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10):
| 7 |
First credit line:
| Mar-1990 |
Debt/Income ratio:
| 7% |
Credit score:
| 720-739 (Oct-2011) |
Inquiries last 6m:
| 1 | Employment status: | Employed |
Now delinquent:
| 1 |
Current / open credit lines:
| 7
/
7 | Length of status: | 8y 10m |
Amount delinquent:
| $435 |
Total credit lines:
| 24 |
Occupation: | Realtor |
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $159,322 | Stated income: | $100,000+ |
Delinquencies in last 7y:
| 5 |
Bankcard utilization:
| 93% | | |
| |
Homeownership:
| Yes | | |
Screen name:
| njhomexpert |
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
Business expansion and marketing
Purpose of loan:
This loan will be used to develop a luxury target real estate market
My financial situation:
I am a good candidate for this loan because currently have several sellers and buyers in the 1 million plus real estate market and they are currently buying homes in the exclusive towns that my team serves. For the past 5 years I have sold $20 million in residential real estate
Monthly net income: $16,000
Monthly expenses: $7000
Housing: $2000
Insurance: $1450
Car expenses: $0
Utilities: $300
Phone, cable, internet: $300
Food, entertainment: $400
Clothing, household expenses: $100
Credit cards and other loans: $400
Other expenses: $500
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
534109
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:
| 36 months | | | | |
|
Lender yield:
| 24.99% |
Borrower rate/APR:
| 25.99% / 29.51% |
Monthly payment:
| $402.85 |
|
Lender servicing fee:
| 1.00% |
Effective Yield*:
| 24.37% | | |
| |
Estimated return*:
| 13.17% | | |
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10):
| 6 |
First credit line:
| Jan-1998 |
Debt/Income ratio:
| 30% |
Credit score:
| 720-739 (Oct-2011) |
Inquiries last 6m:
| 0 | Employment status: | Employed |
Now delinquent:
| 0 |
Current / open credit lines:
| 13
/
13 | Length of status: | 13y 9m |
Amount delinquent:
| $0 |
Total credit lines:
| 39 |
Occupation: | Civil Service |
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $18,471 | Stated income: | $75,000-$99,999 |
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 91% | | |
| |
Homeownership:
| Yes | | |
Screen name:
| majestic-velocity6 |
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
Destroying Debt
Purpose of loan: Consolidation
This loan will be used to... Eliminate usury rated accounts.
My financial situation: Good
I am a good candidate for this loan because...Do not pay late. Am current on everything. Just need some breathing room.
Monthly net income: $ 5,800
Monthly expenses: $ 4,000
Housing: $1311
Insurance: $150
Car expenses: $500
Utilities: $150
Phone, cable, internet: $80
Food, entertainment: $50
Clothing, household expenses: $100
Credit cards and other loans: $2500
Other expenses: $0
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
534841
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:
| 36 months | | | | |
|
Lender yield:
| 24.99% |
Borrower rate/APR:
| 25.99% / 29.51% |
Monthly payment:
| $402.85 |
|
Lender servicing fee:
| 1.00% |
Effective Yield*:
| 24.37% | | |
| |
Estimated return*:
| 13.17% | | |
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10):
| 7 |
First credit line:
| May-2003 |
Debt/Income ratio:
| 30% |
Credit score:
| 700-719 (Oct-2011) |
Inquiries last 6m:
| 0 | Employment status: | Employed |
Now delinquent:
| 0 |
Current / open credit lines:
| 11
/
10 | Length of status: | 5y 0m |
Amount delinquent:
| $0 |
Total credit lines:
| 20 |
Occupation: | Professional |
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $13,023 | Stated income: | $25,000-$49,999 |
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 68% | | |
| |
Homeownership:
| Yes | | |
Screen name:
| newest-peace-visionary |
Borrower's state:
| Connecticut |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Description
consolidation
Purpose of loan:
This loan will be used to... coillsnsolidate b
My financial situation:
I am a good candidate for this loan because... my bills are up to date but would like to have just one monthly payment
Monthly net income: $2800-3200
Monthly expenses: $1700
Housing: $675
Insurance: $121
Car expenses: $ truck paid off
Utilities: $200
Phone, cable, internet: no bill work for company
Food, entertainment: $300
Clothing, household expenses: $300
Credit cards and other loans: $16000
Other expenses: $none
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
534935
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount:
| $6,000.00 |
Prosper Rating:
| E |
Listing Duration:
| 14 days
|
Minimum Amount to Fund:
| $4,200 |
Estimated loss*:
| 14.70% | | |
Term:
| 36 months | | | | |
|
Lender yield:
| 30.49% |
Borrower rate/APR:
| 31.49% / 35.13% |
Monthly payment:
| $259.63 |
|
Lender servicing fee:
| 1.00% |
Effective Yield*:
| 29.09% | | |
| |
Estimated return*:
| 14.39% | | |
* 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-1998 |
Debt/Income ratio:
| Not calculated |
Credit score:
| 680-699 (Oct-2011) |
Inquiries last 6m:
| 2 | Employment status: | Employed |
Now delinquent:
| 0 |
Current / open credit lines:
| 6
/
5 | Length of status: | 0y 8m |
Amount delinquent:
| $0 |
Total credit lines:
| 29 |
Occupation: | Other |
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $15,807 | Stated income: | $100,000+ |
Delinquencies in last 7y:
| 1 |
Bankcard utilization:
| 63% | | |
| |
Homeownership:
| Yes | | |
Screen name:
| encouraging-funds841 |
Borrower's state:
| Georgia |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Description
expanding my business
No description is available.
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
534951
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*:
| 14.90% | | |
Term:
| 36 months | | | | |
|
Lender yield:
| 30.60% |
Borrower rate/APR:
| 31.60% / 35.24% |
Monthly payment:
| $324.99 |
|
Lender servicing fee:
| 1.00% |
Effective Yield*:
| 29.20% | | |
| |
Estimated return*:
| 14.30% | | |
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10):
| 1 |
First credit line:
| Mar-2001 |
Debt/Income ratio:
| 25% |
Credit score:
| 600-619 (Oct-2011) |
Inquiries last 6m:
| 5 | Employment status: | Employed |
Now delinquent:
| 0 |
Current / open credit lines:
| 19
/
19 | Length of status: | 3y 7m |
Amount delinquent:
| $0 |
Total credit lines:
| 28 |
Occupation: | Pharmacist |
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $6,429 | Stated income: | $75,000-$99,999 |
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 9% | | |
| |
Homeownership:
| No | | |
Screen name:
| exchanger383 |
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 / 1 |
On-time:
| 10 ( 100% )
| 600-619 (Latest)
|
Principal borrowed:
| $4,000.00 | < 31 days late:
| 0
( 0% )
| 660-679
(Nov-2010)
660-679
(Oct-2010)
620-639
(Oct-2008)
|
Principal balance:
| $3,264.95 |
31+ days late:
| 0
( 0% )
|
Total payments billed:
| 10 | | |
Description
My loan for debt consolidation
No description is available.
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
534961
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:
| A |
Listing Duration:
| 14 days
|
Minimum Amount to Fund:
| $3,500 |
Estimated loss*:
| 3.80% | | |
Term:
| 36 months | | | | |
|
Lender yield:
| 12.90% |
Borrower rate/APR:
| 13.90% / 16.06% |
Monthly payment:
| $170.65 |
|
Lender servicing fee:
| 1.00% |
Effective Yield*:
| 12.85% | | |
| |
Estimated return*:
| 9.05% | | |
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10):
| 8 |
First credit line:
| Oct-1987 |
Debt/Income ratio:
| Self-employed (DTI Not Calculated) |
Credit score:
| 800-819 (Oct-2011) |
Inquiries last 6m:
| 0 | Employment status: | Self-employed |
Now delinquent:
| 0 |
Current / open credit lines:
| 8
/
8 | Length of status: | 9y 5m |
Amount delinquent:
| $0 |
Total credit lines:
| 28 |
Occupation: | Teacher |
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $3,476 | Stated income: | $75,000-$99,999 |
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 8% | | |
| |
Homeownership:
| No | | |
Screen name:
| top-diligent-peso |
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
decoration
No description is available.
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
534969
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:
| 30.49% |
Borrower rate/APR:
| 31.49% / 35.13% |
Monthly payment:
| $216.36 |
|
Lender servicing fee:
| 1.00% |
Effective Yield*:
| 29.09% | | |
| |
Estimated return*:
| 14.39% | | |
* 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:
| Mar-2000 |
Debt/Income ratio:
| 46% |
Credit score:
| 700-719 (Oct-2011) |
Inquiries last 6m:
| 2 | Employment status: | Employed |
Now delinquent:
| 0 |
Current / open credit lines:
| 10
/
10 | Length of status: | 4y 8m |
Amount delinquent:
| $0 |
Total credit lines:
| 21 |
Occupation: | Skilled Labor |
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $4,580 | Stated income: | $25,000-$49,999 |
Delinquencies in last 7y:
| 2 |
Bankcard utilization:
| 72% | | |
| |
Homeownership:
| No | | |
Screen name:
| capital-victor |
Borrower's state:
| DistrictOfColumbia |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Description
bills
Purpose of loan:pay off debts
This loan will be used to...
My financial situation:
I am a good candidate for this loan because...this will me out a lot and
will be able to pay will with no problems
Monthly net income: $2360
Monthly expenses: $40
Housing: $00
Insurance: $147
Car expenses: $640
Utilities: $60
Phone, cable, internet: $
Food, entertainment: $60
Clothing, household expenses: $40
Credit cards and other loans: $400
Other expenses: $
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
534979
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount:
| $15,000.00 |
Prosper Rating:
| A |
Listing Duration:
| 14 days
|
Minimum Amount to Fund:
| $10,500 |
Estimated loss*:
| 3.80% | | |
Term:
| 36 months | | | | |
|
Lender yield:
| 12.90% |
Borrower rate/APR:
| 13.90% / 16.06% |
Monthly payment:
| $511.94 |
|
Lender servicing fee:
| 1.00% |
Effective Yield*:
| 12.85% | | |
| |
Estimated return*:
| 9.05% | | |
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10):
| 8 |
First credit line:
| Aug-1978 |
Debt/Income ratio:
| 14% |
Credit score:
| 800-819 (Oct-2011) |
Inquiries last 6m:
| 2 | Employment status: | Other |
Now delinquent:
| 0 |
Current / open credit lines:
| 10
/
10 | Length of status: | 10y 10m |
Amount delinquent:
| $0 |
Total credit lines:
| 18 |
Occupation: | Other |
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $184 | Stated income: | $50,000-$74,999 |
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 0% | | |
| |
Homeownership:
| Yes | | |
Screen name:
| commitment-wizard |
Borrower's state:
| Georgia |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Description
Reliable Grandma
Purpose of loan:
This loan will be used to...
My financial situation:
I am a good candidate for this loan because...i am looking to use the money to help start an 24hr daycare for working moms,dads and grandparents also I have no debt I pay everything off and on time for 70yrs this would be my dream come true if I can get this loan..Thanks!
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
534983
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount:
| $6,000.00 |
Prosper Rating:
| E |
Listing Duration:
| 14 days
|
Minimum Amount to Fund:
| $6,000 |
Estimated loss*:
| 14.70% | | |
Term:
| 36 months | | | | |
|
Lender yield:
| 30.49% |
Borrower rate/APR:
| 31.49% / 35.13% |
Monthly payment:
| $259.63 |
|
Lender servicing fee:
| 1.00% |
Effective Yield*:
| 29.09% | | |
| |
Estimated return*:
| 14.39% | | |
* 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:
| Sep-2001 |
Debt/Income ratio:
| 34% |
Credit score:
| 660-679 (Oct-2011) |
Inquiries last 6m:
| 1 | Employment status: | Employed |
Now delinquent:
| 0 |
Current / open credit lines:
| 12
/
6 | Length of status: | 1y 5m |
Amount delinquent:
| $0 |
Total credit lines:
| 30 |
Occupation: | Social Worker |
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $6,685 | Stated income: | $1-$24,999 |
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 86% | | |
| |
Homeownership:
| No | | |
Screen name:
| bold-trustworthy-agreement |
Borrower's state:
| Utah |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Description
Car Loan
Purpose of loan:
This loan will be used to purchase a new vehicle since my car is very old and it will not be a safe vehicle to drive this winter in the snow
My financial situation:
I am a good candidate for this loan because I pay my bills and currently have 2 jobs.
Monthly net income: $ 1696
Monthly expenses: $ 1216
Housing: $ 400
Insurance: $ 80
Car expenses: $ 100
Utilities: $ included in rent
Phone, cable, internet: $ included in rent
Food, entertainment: $ 100
Clothing, household expenses: $ 50
Credit cards and other loans: $ 436
Other expenses: $ 50
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
534991
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*:
| 10.50% | | |
Term:
| 36 months | | | | |
|
Lender yield:
| 24.74% |
Borrower rate/APR:
| 25.74% / 29.25% |
Monthly payment:
| $401.52 |
|
Lender servicing fee:
| 1.00% |
Effective Yield*:
| 24.13% | | |
| |
Estimated return*:
| 13.63% | | |
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10):
| 4 |
First credit line:
| Mar-1995 |
Debt/Income ratio:
| 27% |
Credit score:
| 600-619 (Oct-2011) |
Inquiries last 6m:
| 2 | Employment status: | Employed |
Now delinquent:
| 0 |
Current / open credit lines:
| 7
/
7 | Length of status: | 11y 1m |
Amount delinquent:
| $0 |
Total credit lines:
| 40 |
Occupation: | Professional |
Public records last 12m / 10y:
| 0/ 1 |
Revolving credit balance:
| $3,792 | Stated income: | $50,000-$74,999 |
Delinquencies in last 7y:
| 8 |
Bankcard utilization:
| 66% | | |
| |
Homeownership:
| No | | |
Screen name:
| the-seahorse |
Borrower's state:
| Idaho |
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:
| 52 ( 100% )
| 600-619 (Latest)
|
Principal borrowed:
| $6,000.00 | < 31 days late:
| 0
( 0% )
| 600-619
(Apr-2010)
620-639
(Oct-2008)
|
Principal balance:
| $1,962.20 |
31+ days late:
| 0
( 0% )
|
Total payments billed:
| 52 | | |
Description
Debt consolidation
Purpose of loan: Consolidate debt
This loan will be used to...consolidate existing bills into one lower payment.
My financial situation: fair to good
I am a good candidate for this loan because...i am trying to get my credit rating back up to where it was. I had some trouble in the past but i have been working real hard the past couple of years to pay my bills on time and to lower my overall debt as to regain my financial strength
Monthly net income: $2800.00
Monthly expenses: $
Housing: $400.00
Insurance: $110.00
Car expenses: $
Utilities: $
Phone, cable, internet: $
Food, entertainment: $100.00
Clothing, household expenses: $100.00
Credit cards and other loans: $ 1100.00
Other expenses: $
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
534997
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:
| C |
Listing Duration:
| 14 days
|
Minimum Amount to Fund:
| $2,000 |
Estimated loss*:
| 8.50% | | |
Term:
| 36 months | | | | |
|
Lender yield:
| 21.05% |
Borrower rate/APR:
| 22.05% / 25.49% |
Monthly payment:
| $76.43 |
|
Lender servicing fee:
| 1.00% |
Effective Yield*:
| 20.56% | | |
| |
Estimated return*:
| 12.06% | | |
* 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-1998 |
Debt/Income ratio:
| Not calculated |
Credit score:
| 680-699 (Oct-2011) |
Inquiries last 6m:
| 1 | Employment status: | Employed |
Now delinquent:
| 0 |
Current / open credit lines:
| 8
/
6 | Length of status: | 0y 0m |
Amount delinquent:
| $0 |
Total credit lines:
| 25 |
Occupation: | Skilled Labor |
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $35,129 | Stated income: | $25,000-$49,999 |
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 81% | | |
| |
Homeownership:
| Yes | | |
Screen name:
| wise-reliable-balance |
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:
| 1 ( 100% )
| 680-699 (Latest)
|
Principal borrowed:
| $5,000.00 | < 31 days late:
| 0
( 0% )
| 680-699
(Jun-2011)
|
Principal balance:
| $0.00 |
31+ days late:
| 0
( 0% )
|
Total payments billed:
| 1 | | |
Description
moving on
Purpose of loan:
This loan will be used to help with expenses untill i get paid with a new job i am starting 10/24/2011
My financial situation:
I am a good candidate for this loan because...
Monthly net income: $3200.00
Monthly expenses: $
Housing: $460.00
Insurance: $100.00
Car expenses: $260.00
Utilities: $300.00
Phone, cable, internet: $200.00
Food, entertainment: $300.00
Clothing, household expenses: $100.00
Credit cards and other loans: $300.00
Other expenses: $
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
534999
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:
| E |
Listing Duration:
| 14 days
|
Minimum Amount to Fund:
| $2,100 |
Estimated loss*:
| 14.90% | | |
Term:
| 36 months | | | | |
|
Lender yield:
| 30.60% |
Borrower rate/APR:
| 31.60% / 35.24% |
Monthly payment:
| $130.00 |
|
Lender servicing fee:
| 1.00% |
Effective Yield*:
| 29.20% | | |
| |
Estimated return*:
| 14.30% | | |
* 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:
| Nov-1994 |
Debt/Income ratio:
| 31% |
Credit score:
| 640-659 (Oct-2011) |
Inquiries last 6m:
| 2 | Employment status: | Employed |
Now delinquent:
| 3 |
Current / open credit lines:
| 18
/
15 | Length of status: | 16y 4m |
Amount delinquent:
| $9,482 |
Total credit lines:
| 66 |
Occupation: | Landscaping |
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $19,314 | Stated income: | $25,000-$49,999 |
Delinquencies in last 7y:
| 27 |
Bankcard utilization:
| 68% | | |
| |
Homeownership:
| Yes | | |
Screen name:
| mowerfixer1 |
Borrower's state:
| Florida |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan history | Payment history | Credit score history |
Active / total loans:
| 0 / 1 |
On-time:
| 35 ( 100% )
| 640-659 (Latest)
|
Principal borrowed:
| $5,000.00 | < 31 days late:
| 0
( 0% )
| 740-759
(Jul-2008)
740-759
(Jun-2008)
740-759
(May-2008)
|
Principal balance:
| $0.00 |
31+ days late:
| 0
( 0% )
|
Total payments billed:
| 35 | | |
Description
My personal loan for my business
Purpose of loan: Replace worn out two cycle units.
This loan will be used to...Replace my weed eater, stick edger and back back pack blower to prepare myself for spring. Many local businesses are having year end model sales and are motivated to move product since this tends to be a slower season. Many times there are great incentives such as free oil mix or maybe extra parts.
My financial situation:is steady, I have had my business for over 15 years and have had many customers since day one
I am a good candidate for this loan because...unlike many businesses hit by this economy, the service industry has remained due to the fact that people still need services provided that they cannot perform.
Monthly net income: $4150
Monthly expenses: $1100
Housing: $
Insurance: $125
Car expenses: $
Utilities: $
Phone, cable, internet: $
Food, entertainment: $
Clothing, household expenses: $
Credit cards and other loans: $325
Other expenses: $
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
535015
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount:
| $6,000.00 |
Prosper Rating:
| D |
Listing Duration:
| 14 days
|
Minimum Amount to Fund:
| $4,200 |
Estimated loss*:
| 11.20% | | |
Term:
| 36 months | | | | |
|
Lender yield:
| 24.99% |
Borrower rate/APR:
| 25.99% / 29.51% |
Monthly payment:
| $241.71 |
|
Lender servicing fee:
| 1.00% |
Effective Yield*:
| 24.37% | | |
| |
Estimated return*:
| 13.17% | | |
* 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-2006 |
Debt/Income ratio:
| 22% |
Credit score:
| 700-719 (Oct-2011) |
Inquiries last 6m:
| 0 | Employment status: | Employed |
Now delinquent:
| 2 |
Current / open credit lines:
| 20
/
15 | Length of status: | 1y 5m |
Amount delinquent:
| $1,245 |
Total credit lines:
| 26 |
Occupation: | Other |
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $1,152 | Stated income: | $50,000-$74,999 |
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 7% | | |
| |
Homeownership:
| No | | |
Screen name:
| brightest-credit-songbird |
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
Employee1970
No description is available.
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
535019
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:
| B |
Listing Duration:
| 14 days
|
Minimum Amount to Fund:
| $3,500 |
Estimated loss*:
| 5.95% | | |
Term:
| 36 months | | | | |
|
Lender yield:
| 16.99% |
Borrower rate/APR:
| 17.99% / 20.20% |
Monthly payment:
| $180.74 |
|
Lender servicing fee:
| 1.00% |
Effective Yield*:
| 16.69% | | |
| |
Estimated return*:
| 10.74% | | |
* 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-1989 |
Debt/Income ratio:
| 11% |
Credit score:
| 720-739 (Oct-2011) |
Inquiries last 6m:
| 1 | Employment status: | Employed |
Now delinquent:
| 0 |
Current / open credit lines:
| 12
/
9 | Length of status: | 6y 1m |
Amount delinquent:
| $0 |
Total credit lines:
| 42 |
Occupation: | Other |
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $1,945 | Stated income: | $25,000-$49,999 |
Delinquencies in last 7y:
| 12 |
Bankcard utilization:
| 19% | | |
| |
Homeownership:
| Yes | | |
Screen name:
| brightest-fund-empire |
Borrower's state:
| NewHampshire |
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
credits cards and others loans
No description is available.
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
535025
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*:
| 16.50% | | |
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*:
| 12.67% | | |
* 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-1983 |
Debt/Income ratio:
| Self-employed (DTI Not Calculated) |
Credit score:
| 720-739 (Oct-2011) |
Inquiries last 6m:
| 0 | Employment status: | Self-employed |
Now delinquent:
| 0 |
Current / open credit lines:
| 1
/
1 | Length of status: | 5y 5m |
Amount delinquent:
| $0 |
Total credit lines:
| 6 |
Occupation: | Other |
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $0 | Stated income: | $50,000-$74,999 |
Delinquencies in last 7y:
| 1 |
Bankcard utilization:
| 0% | | |
| |
Homeownership:
| No | | |
Screen name:
| impressive-currency0 |
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
Personal Loan details
Purpose of loan:
This loan will be used to consolidate my private debt
My financial situation:
I am a good candidate for this loan because my income is in good
standing.
Monthly net income: $3900
Monthly expenses: $400
Housing: $700
Insurance: $350
Car expenses: $100
Utilities: $250
Phone, cable, internet: $50
Food, entertainment: $400
Clothing, household expenses: $300
Credit cards and other loans: $350
Other expenses: $200
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
535033
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:
| 36 months | | | | |
|
Lender yield:
| 24.99% |
Borrower rate/APR:
| 25.99% / 29.51% |
Monthly payment:
| $402.85 |
|
Lender servicing fee:
| 1.00% |
Effective Yield*:
| 24.37% | | |
| |
Estimated return*:
| 13.17% | | |
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10):
| 6 |
First credit line:
| Nov-1998 |
Debt/Income ratio:
| 35% |
Credit score:
| 660-679 (Oct-2011) |
Inquiries last 6m:
| 0 | Employment status: | Employed |
Now delinquent:
| 0 |
Current / open credit lines:
| 9
/
8 | Length of status: | 6y 3m |
Amount delinquent:
| $0 |
Total credit lines:
| 24 |
Occupation: | Accountant/CPA |
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $14,830 | Stated income: | $25,000-$49,999 |
Delinquencies in last 7y:
| 18 |
Bankcard utilization:
| 97% | | |
| |
Homeownership:
| Yes | | |
Screen name:
| gold-mole5 |
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
Ms
No description is available.
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
535035
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount:
| $4,000.00 |
Prosper Rating:
| E |
Listing Duration:
| 14 days
|
Minimum Amount to Fund:
| $2,800 |
Estimated loss*:
| 14.70% | | |
Term:
| 36 months | | | | |
|
Lender yield:
| 30.49% |
Borrower rate/APR:
| 31.49% / 35.13% |
Monthly payment:
| $173.09 |
|
Lender servicing fee:
| 1.00% |
Effective Yield*:
| 29.09% | | |
| |
Estimated return*:
| 14.39% | | |
* 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-1974 |
Debt/Income ratio:
| 205% |
Credit score:
| 780-799 (Oct-2011) |
Inquiries last 6m:
| 1 | Employment status: | Other |
Now delinquent:
| 0 |
Current / open credit lines:
| 1
/
1 | Length of status: | 20y 0m |
Amount delinquent:
| $0 |
Total credit lines:
| 6 |
Occupation: | Other |
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $634 | Stated income: | $1-$24,999 |
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 4% | | |
| |
Homeownership:
| No | | |
Screen name:
| profitable-wampum9 |
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
walkingtall
Purpose of loan:
This loan will be used to... to do car/home repairs
My financial situation: good
I am a good candidate for this loan because... because i have the means to pay this loan back on a monthly basis
Monthly net income: $ 1100
Monthly expenses: $ 390.00
Housing: $ 0
Insurance: $ 0
Car expenses: $ 40.00
Utilities: $ 300.00
Phone, cable, internet: $ 10.00
Food, entertainment: $ 40.00
Clothing, household expenses: $
Credit cards and other loans: $
Other expenses: $
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
535053
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:
| A |
Listing Duration:
| 14 days
|
Minimum Amount to Fund:
| $11,000 |
Estimated loss*:
| 2.00% | | |
Term:
| 36 months | | | | |
|
Lender yield:
| 10.10% |
Borrower rate/APR:
| 11.10% / 13.22% |
Monthly payment:
| $360.65 |
|
Lender servicing fee:
| 1.00% |
Effective Yield*:
| 10.07% | | |
| |
Estimated return*:
| 8.07% | | |
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10):
| 8 |
First credit line:
| May-1996 |
Debt/Income ratio:
| Not calculated |
Credit score:
| 760-779 (Oct-2011) |
Inquiries last 6m:
| 0 | Employment status: | Employed |
Now delinquent:
| 0 |
Current / open credit lines:
| 4
/
4 | Length of status: | 8y 4m |
Amount delinquent:
| $0 |
Total credit lines:
| 22 |
Occupation: | Other |
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $727 | Stated income: | $25,000-$49,999 |
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 1% | | |
| |
Homeownership:
| No | | |
Screen name:
| best-cash-matrix |
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.
Prosper Activity
Loan history | Payment history | Credit score history |
Active / total loans:
| 0 / 1 |
On-time:
| 4 ( 100% )
| 760-779 (Latest)
|
Principal borrowed:
| $5,000.00 | < 31 days late:
| 0
( 0% )
| 780-799
(Aug-2010)
|
Principal balance:
| $0.01 |
31+ days late:
| 0
( 0% )
|
Total payments billed:
| 4 | | |
Description
Spreading the Wealth
Purpose of loan:
This loan will be used to alleviate my own debt, while also being utilized to bring expedient relief to the burdens of my loved ones, including my parents and goddaughter. The remaining balance, which will be substantial, will be placed in an interest-bearing account.
My financial situation:
I am a good candidate for a number of reasons. One, I have job security and a steady income. I work for the county in which I reside in a senior management position and have done so for more than eight years. Secondly, my credit history is long-established and flawless, while I am also a previous borrower through Prosper.
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
535059
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount:
| $10,000.00 |
Prosper Rating:
| B |
Listing Duration:
| 14 days
|
Minimum Amount to Fund:
| $7,000 |
Estimated loss*:
| 5.95% | | |
Term:
| 60 months | | | | |
|
Lender yield:
| 20.99% |
Borrower rate/APR:
| 21.99% / 23.48% |
Monthly payment:
| $276.13 |
|
Lender servicing fee:
| 1.00% |
Effective Yield*:
| 20.62% | | |
| |
Estimated return*:
| 14.67% | | |
* 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-1994 |
Debt/Income ratio:
| 9% |
Credit score:
| 680-699 (Oct-2011) |
Inquiries last 6m:
| 0 | Employment status: | Employed |
Now delinquent:
| 0 |
Current / open credit lines:
| 6
/
5 | Length of status: | 12y 0m |
Amount delinquent:
| $0 |
Total credit lines:
| 18 |
Occupation: | Professional |
Public records last 12m / 10y:
| 0/ 1 |
Revolving credit balance:
| $14,674 | Stated income: | $25,000-$49,999 |
Delinquencies in last 7y:
| 12 |
Bankcard utilization:
| 65% | | |
| |
Homeownership:
| Yes | | |
Screen name:
| the-mystical-basis9 |
Borrower's state:
| Ohio |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Description
A Good Risk Debt Conslidation
Purpose of loan: Consolidate Loans
This loan will be used to... Pay off really high interest credit cards.
My financial situation: Stable finances. I've worked with the same company for over 10 years.
I am a good candidate for this loan because... I pay my debts, I have never declared bankruptcy. I have gone thru debt counseling. I'm involved with my local church.
Monthly net income: $3033
Monthly expenses: $3026
Housing: $1067
Insurance: $90
Car expenses: $200
Utilities: $170
Phone, cable, internet: $170
Food, entertainment: $450
Clothing, household expenses: $135
Credit cards and other loans: $555
Other expenses: $189
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
535065
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount:
| $2,500.00 |
Prosper Rating:
| E |
Listing Duration:
| 14 days
|
Minimum Amount to Fund:
| $2,500 |
Estimated loss*:
| 14.70% | | |
Term:
| 36 months | | | | |
|
Lender yield:
| 30.49% |
Borrower rate/APR:
| 31.49% / 35.13% |
Monthly payment:
| $108.18 |
|
Lender servicing fee:
| 1.00% |
Effective Yield*:
| 29.09% | | |
| |
Estimated return*:
| 14.39% | | |
* 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-1986 |
Debt/Income ratio:
| 22% |
Credit score:
| 660-679 (Oct-2011) |
Inquiries last 6m:
| 3 | Employment status: | Employed |
Now delinquent:
| 0 |
Current / open credit lines:
| 4
/
4 | Length of status: | 0y 10m |
Amount delinquent:
| $0 |
Total credit lines:
| 13 |
Occupation: | Other |
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $3,267 | Stated income: | $1-$24,999 |
Delinquencies in last 7y:
| 5 |
Bankcard utilization:
| 0% | | |
| |
Homeownership:
| No | | |
Screen name:
| reliable-return0 |
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
Start small business
No description is available.
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
535071
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:
| A |
Listing Duration:
| 14 days
|
Minimum Amount to Fund:
| $4,900 |
Estimated loss*:
| 3.80% | | |
Term:
| 36 months | | | | |
|
Lender yield:
| 12.90% |
Borrower rate/APR:
| 13.90% / 16.06% |
Monthly payment:
| $238.90 |
|
Lender servicing fee:
| 1.00% |
Effective Yield*:
| 12.85% | | |
| |
Estimated return*:
| 9.05% | | |
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10):
| 8 |
First credit line:
| Mar-1967 |
Debt/Income ratio:
| 26% |
Credit score:
| 800-819 (Oct-2011) |
Inquiries last 6m:
| 0 | Employment status: | Employed |
Now delinquent:
| 0 |
Current / open credit lines:
| 5
/
5 | Length of status: | 3y 7m |
Amount delinquent:
| $0 |
Total credit lines:
| 13 |
Occupation: | Administrative Assi... |
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $1,556 | Stated income: | $25,000-$49,999 |
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 10% | | |
| |
Homeownership:
| No | | |
Screen name:
| bold-commerce-caper |
Borrower's state:
| Idaho |
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
Mr
No description is available.
Information in the Description is not verified.