Listing Report:Supplement No. 11 dated Nov 24, 2011 to Prospectus dated Nov 17, 2011File pursuant to Rule 424(b)(3)
Registration Statement No. 333-147019
Prosper Marketplace, Inc.
Borrower Payment Dependent Notes
This Listing Report supplements the prospectus dated Nov 17, 2011 and provides information about each loan request (referred to as a "listing") and series of Borrower Payment Dependent Notes (the "Notes") we are currently offering. Prospective investors should read this Listing Report supplement together with the prospectus dated Nov 17, 2011 to understand the terms and conditions of the Notes and how they are offered, as well as the risks of investing in Notes.
The following series of Notes are currently being offered:
Borrower Payment Dependent Notes Series
502875
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount:
| $5,000.00 |
Prosper Rating:
| C |
Listing Duration:
| 14 days
|
Minimum Amount to Fund:
| $3,500 |
Estimated loss*:
| 7.65% | | |
Term:
| 12 months | | | | |
|
Lender yield:
| 14.46% |
Borrower rate/APR:
| 15.46% / 25.29% |
Monthly payment:
| $452.38 |
|
Lender servicing fee:
| 1.00% |
Effective Yield*:
| 14.14% | | |
| |
Estimated return*:
| 6.49% | | |
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10):
| 2 |
First credit line:
| Sep-1999 |
Debt/Income ratio:
| 24% |
Credit score:
| 740-759 (Nov-2011) |
Inquiries last 6m:
| 9 | Employment status: | Employed |
Now delinquent:
| 0 |
Current / open credit lines:
| 23
/
22 | Length of status: | 4y 8m |
Amount delinquent:
| $0 |
Total credit lines:
| 33 |
Occupation: | Professional |
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $4,143 | Stated income: | $75,000-$99,999 |
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 18% | | |
| |
Homeownership:
| Yes | | |
Screen name:
| Majianlord |
Borrower's state:
| Colorado |
Borrower's group:
| 1st and BEST for Loans |
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan history | Payment history | Credit score history |
Active / total loans:
| 1 / 1 |
On-time:
| 18 ( 100% )
| 740-759 (Latest)
|
Principal borrowed:
| $1,000.00 | < 31 days late:
| 0
( 0% )
| 700-719
(Apr-2010)
600-619
(Sep-2007)
600-619
(Jul-2007)
|
Principal balance:
| $459.03 |
31+ days late:
| 0
( 0% )
|
Total payments billed:
| 18 | | |
Description
Cleanup the Bills
This Loan will be used to Pay off the last of my first Prosper Loan and then to consolidate the Christmass purchases we just made. I expect to keep this Loan the full 1 year.
I am good candidite for this Loan as i have proven my ability to pay off my bills and my credit score shows my dedication to taking care of my obligations..
Thing being Paid off
Prosper 464.97
Discover 1250
Capital One 2015
Best Buy 1250
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
526389
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:
| B |
Listing Duration:
| 14 days
|
Minimum Amount to Fund:
| $5,250 |
Estimated loss*:
| 5.20% | | |
Term:
| 36 months | | | | |
|
Lender yield:
| 15.09% |
Borrower rate/APR:
| 16.09% / 18.99% |
Monthly payment:
| $264.01 |
|
Lender servicing fee:
| 1.00% |
Effective Yield*:
| 14.83% | | |
| |
Estimated return*:
| 9.63% | | |
* 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):
| 6 |
First credit line:
| Jan-1995 |
Debt/Income ratio:
| 8% |
Credit score:
| 700-719 (Nov-2011) |
Inquiries last 6m:
| 3 | Employment status: | Employed |
Now delinquent:
| 0 |
Current / open credit lines:
| 15
/
11 | Length of status: | 3y 9m |
Amount delinquent:
| $0 |
Total credit lines:
| 41 |
Occupation: | Administrative Assi... |
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $92,477 | Stated income: | $100,000+ |
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 86% | | |
| |
Homeownership:
| Yes | | |
Screen name:
| hope-balance |
Borrower's state:
| NewYork |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan history | Payment history | Credit score history |
Active / total loans:
| 0 / 1 |
On-time:
| 9 ( 100% )
| 700-719 (Latest)
|
Principal borrowed:
| $2,500.00 | < 31 days late:
| 0
( 0% )
| 680-699
(Nov-2010)
680-699
(Oct-2008)
|
Principal balance:
| $0.01 |
31+ days late:
| 0
( 0% )
|
Total payments billed:
| 9 | | |
Description
My loan for home improvement
Purpose of loan:
This loan will be used to...finish the attic to make it living space.
My financial situation:
I am a good candidate for this loan because...I pay my bills on time and ahead of schedule.
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
539007
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount:
| $3,000.00 |
Prosper Rating:
| D |
Listing Duration:
| 14 days
|
Minimum Amount to Fund:
| $2,100 |
Estimated loss*:
| 11.20% | | |
Term:
| 36 months | | | | |
|
Lender yield:
| 24.61% |
Borrower rate/APR:
| 25.61% / 29.49% |
Monthly payment:
| $120.25 |
|
Lender servicing fee:
| 1.00% |
Effective Yield*:
| 24.00% | | |
| |
Estimated return*:
| 12.80% | | |
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10):
| 7 |
First credit line:
| Apr-1986 |
Debt/Income ratio:
| 12% |
Credit score:
| 660-679 (Nov-2011) |
Inquiries last 6m:
| 2 | Employment status: | Employed |
Now delinquent:
| 0 |
Current / open credit lines:
| 15
/
13 | Length of status: | 1y 8m |
Amount delinquent:
| $0 |
Total credit lines:
| 38 |
Occupation: | Professional |
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $23,826 | Stated income: | $100,000+ |
Delinquencies in last 7y:
| 1 |
Bankcard utilization:
| 82% | | |
| |
Homeownership:
| Yes | | |
Screen name:
| cmefnp |
Borrower's state:
| Oregon |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Description
Nurse Practitioner Needs Loan
Purpose of loan:
This loan will be used to pay off a new septic tank and a car transmission.
My financial situation:
I am a great candidate for this loan because I have a VERY secure job with the Federal Government as a Nurse Practitioner. I have worked without any gaps for over 25 years. I have never defaulted on anything in my life. I have paid off both my cars and all of my student loans.
This is a risk free venture for the lender!
Thank you for your consideration.
Monthly net income: $6,000
Monthly expenses: $ 4,600
Housing: $1,700
Insurance: $300
Car expenses: GAS $200
Utilities: $300
Phone, cable, internet: $200
Food, entertainment: $600
Clothing, household expenses: $200
Credit cards and other loans: $1000
Other expenses: $100
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
540117
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount:
| $13,000.00 |
Prosper Rating:
| A |
Listing Duration:
| 14 days
|
Minimum Amount to Fund:
| $9,100 |
Estimated loss*:
| 3.80% | | |
Term:
| 36 months | | | | |
|
Lender yield:
| 11.54% |
Borrower rate/APR:
| 12.54% / 15.38% |
Monthly payment:
| $435.15 |
|
Lender servicing fee:
| 1.00% |
Effective Yield*:
| 11.50% | | |
| |
Estimated return*:
| 7.70% | | |
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10):
| 8 |
First credit line:
| Apr-1995 |
Debt/Income ratio:
| 10% |
Credit score:
| 780-799 (Nov-2011) |
Inquiries last 6m:
| 0 | Employment status: | Employed |
Now delinquent:
| 0 |
Current / open credit lines:
| 7
/
6 | Length of status: | 9y 4m |
Amount delinquent:
| $0 |
Total credit lines:
| 25 |
Occupation: | Computer Programmer |
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $14,503 | Stated income: | $75,000-$99,999 |
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 90% | | |
| |
Homeownership:
| Yes | | |
Screen name:
| platinum-supergiant8 |
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
Medical and Debt consolidation
Purpose of loan:
This loan will be used to consolidate oustanding medical bills and debt that has higher interest rates than this loan.
My financial situation:
I am a good candidate for this loan because I am not over extended financially. My credit score is good/great (depending which service you ask), I currently pay all of my financial liabilities on time, and always pay more than the minimum for my mortgage, medical bills and credit cards. I have never been in financial trouble and have been living in the same home and working in the same job for almost a decade. My goal is to pay my debts more quickly by securing a loan with lower interest rates than what I am currently paying.
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
540723
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:
| 30.77% |
Borrower rate/APR:
| 31.77% / 35.80% |
Monthly payment:
| $173.71 |
|
Lender servicing fee:
| 1.00% |
Effective Yield*:
| 28.96% | | |
| |
Estimated return*:
| 12.46% | | |
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10):
| 2 |
First credit line:
| Mar-1991 |
Debt/Income ratio:
| Self-employed (DTI Not Calculated) |
Credit score:
| 700-719 (Nov-2011) |
Inquiries last 6m:
| 1 | Employment status: | Self-employed |
Now delinquent:
| 0 |
Current / open credit lines:
| 2
/
2 | Length of status: | 11y 8m |
Amount delinquent:
| $0 |
Total credit lines:
| 19 |
Occupation: | Professional |
Public records last 12m / 10y:
| 0/ 1 |
Revolving credit balance:
| $0 | Stated income: | $25,000-$49,999 |
Delinquencies in last 7y:
| 3 |
Bankcard utilization:
| 0% | | |
| |
Homeownership:
| No | | |
Screen name:
| auction-thinker463 |
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
Year-end bridge
Purpose of loan:
This loan will be used to...Cover year-end expenses
My financial situation:
I am a good candidate for this loan because...I am simply covering expenses prior to my January income. My sole purpose for this loan is to cover family expenses and feed my children.
Monthly net income: $2500
Monthly expenses: $
Housing: $0 (I have an arrangement where my partner pays rent and I cover food and utilities for us and our three children.)
Insurance: $ 300
Car expenses: $300
Utilities: $ 400
Phone, cable, internet: $200
Food, entertainment: $600
Clothing, household expenses: $
Credit cards and other loans: $ 0
Other expenses: $0
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
540729
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount:
| $15,000.00 |
Prosper Rating:
| B |
Listing Duration:
| 14 days
|
Minimum Amount to Fund:
| $10,500 |
Estimated loss*:
| 5.95% | | |
Term:
| 36 months | | | | |
|
Lender yield:
| 15.64% |
Borrower rate/APR:
| 16.64% / 19.55% |
Monthly payment:
| $532.11 |
|
Lender servicing fee:
| 1.00% |
Effective Yield*:
| 15.37% | | |
| |
Estimated return*:
| 9.42% | | |
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10):
| 8 |
First credit line:
| Sep-1990 |
Debt/Income ratio:
| 6% |
Credit score:
| 760-779 (Nov-2011) |
Inquiries last 6m:
| 3 | Employment status: | Employed |
Now delinquent:
| 0 |
Current / open credit lines:
| 10
/
10 | Length of status: | 22y 5m |
Amount delinquent:
| $0 |
Total credit lines:
| 27 |
Occupation: | Computer Programmer |
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $2,121 | Stated income: | $100,000+ |
Delinquencies in last 7y:
| 2 |
Bankcard utilization:
| 27% | | |
| |
Homeownership:
| Yes | | |
Screen name:
| first-silver-palace |
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
Repair property and place as rental
Loan will be used to renovate vacant rental property and place into service as a rental.
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
540865
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:
| 24.37% |
Borrower rate/APR:
| 25.37% / 29.24% |
Monthly payment:
| $399.56 |
|
Lender servicing fee:
| 1.00% |
Effective Yield*:
| 23.77% | | |
| |
Estimated return*:
| 13.27% | | |
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10):
| 3 |
First credit line:
| Sep-1993 |
Debt/Income ratio:
| Self-employed (DTI Not Calculated) |
Credit score:
| 660-679 (Nov-2011) |
Inquiries last 6m:
| 2 | Employment status: | Self-employed |
Now delinquent:
| 0 |
Current / open credit lines:
| 4
/
3 | Length of status: | 7y 6m |
Amount delinquent:
| $0 |
Total credit lines:
| 11 |
Occupation: | Other |
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $2,858 | Stated income: | $25,000-$49,999 |
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 78% | | |
| |
Homeownership:
| No | | |
Screen name:
| market-hut4 |
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:
| 2 ( 100% )
| 660-679 (Latest)
|
Principal borrowed:
| $2,000.00 | < 31 days late:
| 0
( 0% )
| 660-679
(Aug-2011)
|
Principal balance:
| $0.00 |
31+ days late:
| 0
( 0% )
|
Total payments billed:
| 2 | | |
Description
HOME IMPROVEMENT
Purpose of loan:
This loan will be used to...FOR HOME IMPROVEMENT
My financial situation:
I am a good candidate for this loan because...I HAVE A STABLE JOB AND ALSO I PAY MY BILLS ON TIME.I ALSO JUST PAID OFF A PREVIOUS PROSPER LOAN THIS YEAR IN EXCELLENT STANDARDS I AM A GREAT BORROWER.
Monthly net income: $3800.00
Monthly expenses: $1500.00
Housing: $0
Insurance: $144.36
Car expenses: $0
Utilities: $180.00
Phone, cable, internet: $180.00
Food, entertainment: $150.00
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
540877
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount:
| $4,500.00 |
Prosper Rating:
| E |
Listing Duration:
| 14 days
|
Minimum Amount to Fund:
| $4,500 |
Estimated loss*:
| 14.90% | | |
Term:
| 36 months | | | | |
|
Lender yield:
| 30.23% |
Borrower rate/APR:
| 31.23% / 35.24% |
Monthly payment:
| $194.08 |
|
Lender servicing fee:
| 1.00% |
Effective Yield*:
| 28.84% | | |
| |
Estimated return*:
| 13.94% | | |
* 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:
| May-1997 |
Debt/Income ratio:
| 122% |
Credit score:
| 640-659 (Nov-2011) |
Inquiries last 6m:
| 1 | Employment status: | Employed |
Now delinquent:
| 2 |
Current / open credit lines:
| 6
/
5 | Length of status: | 9y 3m |
Amount delinquent:
| $176 |
Total credit lines:
| 16 |
Occupation: | Teacher's Aide |
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $5,820 | Stated income: | $1-$24,999 |
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 83% | | |
| |
Homeownership:
| No | | |
Screen name:
| Boo1960 |
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.
Prosper Activity
Loan history | Payment history | Credit score history |
Active / total loans:
| 0 / 3 |
On-time:
| 30 ( 100% )
| 640-659 (Latest)
|
Principal borrowed:
| $7,745.00 | < 31 days late:
| 0
( 0% )
| 660-679
(May-2010)
620-639
(Nov-2009)
640-659
(Sep-2008)
680-699
(Oct-2007)
|
Principal balance:
| $0.00 |
31+ days late:
| 0
( 0% )
|
Total payments billed:
| 30 | | |
Description
Great Prosper Investment
I have borrowed using Prosper on a number of ocassions and have never missed a payment. In addition I always pay back the loan entirely prior to the end of the loan cycle.
Thank you for you interest in this great Prosper Investment Opportunity.
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
540893
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:
| AA |
Listing Duration:
| 14 days
|
Minimum Amount to Fund:
| $2,000 |
Estimated loss*:
| 1.35% | | |
Term:
| 12 months | | | | |
|
Lender yield:
| 4.65% |
Borrower rate/APR:
| 5.65% / 6.59% |
Monthly payment:
| $171.81 |
|
Lender servicing fee:
| 1.00% |
Effective Yield*:
| 4.66% | | |
| |
Estimated return*:
| 3.31% | | |
* 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:
| Dec-2003 |
Debt/Income ratio:
| 3% |
Credit score:
| 780-799 (Nov-2011) |
Inquiries last 6m:
| 0 | Employment status: | Employed |
Now delinquent:
| 0 |
Current / open credit lines:
| 2
/
2 | Length of status: | 11y 7m |
Amount delinquent:
| $0 |
Total credit lines:
| 5 |
Occupation: | Computer Programmer |
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $1,834 | Stated income: | $75,000-$99,999 |
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 6% | | |
| |
Homeownership:
| No | | |
Screen name:
| a-graceful-deal |
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
Auto Loan
Purpose of loan:
This loan will be used to do my car 60K maintenance.
My financial situation:
I am a good candidate for this loan because, I always pay my credit card on time and full. I have been conscious of money and saving. Right now, am little short of cash, hence the loan.
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
533320
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount:
| $2,000.00 |
Prosper Rating:
| A |
Listing Duration:
| 14 days
|
Minimum Amount to Fund:
| $2,000 |
Estimated loss*:
| 3.80% | | |
Term:
| 36 months | | | | |
|
Lender yield:
| 11.54% |
Borrower rate/APR:
| 12.54% / 15.38% |
Monthly payment:
| $66.95 |
|
Lender servicing fee:
| 1.00% |
Effective Yield*:
| 11.50% | | |
| |
Estimated return*:
| 7.70% | | |
* 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-1989 |
Debt/Income ratio:
| 27% |
Credit score:
| 800-819 (Nov-2011) |
Inquiries last 6m:
| 0 | Employment status: | Employed |
Now delinquent:
| 0 |
Current / open credit lines:
| 11
/
5 | Length of status: | 10y 3m |
Amount delinquent:
| $0 |
Total credit lines:
| 26 |
Occupation: | Principal |
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $13,885 | Stated income: | $75,000-$99,999 |
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 41% | | |
| |
Homeownership:
| Yes | | |
Screen name:
| adaptable-peso1 |
Borrower's state:
| Kentucky |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Description
Looking to make home repairs
Purpose of loan:
This loan will be used to...
Make minor repairs on our home. I have sent two rocks through a couple of our sunroom windows with the weed eater and need to make a small repair to fix some storm damage to gutters that wasn't covered by insurance.
My financial situation:
I am a good candidate for this loan because...my wife and I have worked in public education for over 20 yrs. Our jobs are very secure and not in jeopardy of being laid off. My credit rating is over 800!
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
539238
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount:
| $9,000.00 |
Prosper Rating:
| B |
Listing Duration:
| 14 days
|
Minimum Amount to Fund:
| $6,300 |
Estimated loss*:
| 5.20% | | |
Term:
| 36 months | | | | |
|
Lender yield:
| 15.09% |
Borrower rate/APR:
| 16.09% / 18.99% |
Monthly payment:
| $316.81 |
|
Lender servicing fee:
| 1.00% |
Effective Yield*:
| 14.83% | | |
| |
Estimated return*:
| 9.63% | | |
* 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):
| 6 |
First credit line:
| Nov-1994 |
Debt/Income ratio:
| 59% |
Credit score:
| 680-699 (Nov-2011) |
Inquiries last 6m:
| 1 | Employment status: | Employed |
Now delinquent:
| 0 |
Current / open credit lines:
| 16
/
16 | Length of status: | 2y 5m |
Amount delinquent:
| $0 |
Total credit lines:
| 26 |
Occupation: | Nurse (LPN) |
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $29,025 | Stated income: | $25,000-$49,999 |
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 46% | | |
| |
Homeownership:
| No | | |
Screen name:
| vigilance-storm1 |
Borrower's state:
| Nevada |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan history | Payment history | Credit score history |
Active / total loans:
| 1 / 1 |
On-time:
| 6 ( 100% )
| 680-699 (Latest)
|
Principal borrowed:
| $9,000.00 | < 31 days late:
| 0
( 0% )
| 720-739
(Apr-2011)
|
Principal balance:
| $7,770.30 |
31+ days late:
| 0
( 0% )
|
Total payments billed:
| 6 | | |
Description
My loan for debt consolidation
Purpose of loan:
This loan will be used to...consolidate my debts
My financial situation:
I am a good candidate for this loan because...I have a job and I am always responsible when it comes to paying my bills-I take it seriously.
Monthly net income: $ 42,777.60
Monthly expenses: $1,000.00
Housing: $0.00
Insurance: $97.36
Car expenses: $200.00
Utilities: $80.00
Phone, cable, internet: $168.00
Food, entertainment: $200.00
Clothing, household expenses: $100.00
Credit cards and other loans: $350.00
Other expenses: $50.00
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
539868
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount:
| $5,000.00 |
Prosper Rating:
| D |
Listing Duration:
| 14 days
|
Minimum Amount to Fund:
| $5,000 |
Estimated loss*:
| 11.20% | | |
Term:
| 36 months | | | | |
|
Lender yield:
| 24.61% |
Borrower rate/APR:
| 25.61% / 29.49% |
Monthly payment:
| $200.42 |
|
Lender servicing fee:
| 1.00% |
Effective Yield*:
| 24.00% | | |
| |
Estimated return*:
| 12.80% | | |
* 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-1988 |
Debt/Income ratio:
| 8% |
Credit score:
| 680-699 (Oct-2011) |
Inquiries last 6m:
| 0 | Employment status: | Employed |
Now delinquent:
| 7 |
Current / open credit lines:
| 7
/
6 | Length of status: | 12y 0m |
Amount delinquent:
| $45,059 |
Total credit lines:
| 29 |
Occupation: | Professional |
Public records last 12m / 10y:
| 1/ 1 |
Revolving credit balance:
| $9,554 | Stated income: | $100,000+ |
Delinquencies in last 7y:
| 15 |
Bankcard utilization:
| 63% | | |
| |
Homeownership:
| Yes | | |
Screen name:
| Beach_Ballers |
Borrower's state:
| Virginia |
Borrower's group:
| Caphill Consulting, LLC |
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Description
Debt Consolidation
No description is available.
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
540750
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount:
| $15,000.00 |
Prosper Rating:
| B |
Listing Duration:
| 14 days
|
Minimum Amount to Fund:
| $10,500 |
Estimated loss*:
| 5.20% | | |
Term:
| 60 months | | | | |
|
Lender yield:
| 19.05% |
Borrower rate/APR:
| 20.05% / 21.99% |
Monthly payment:
| $397.83 |
|
Lender servicing fee:
| 1.00% |
Effective Yield*:
| 18.71% | | |
| |
Estimated return*:
| 13.51% | | |
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10):
| 7 |
First credit line:
| Feb-1994 |
Debt/Income ratio:
| 33% |
Credit score:
| 680-699 (Nov-2011) |
Inquiries last 6m:
| 0 | Employment status: | Employed |
Now delinquent:
| 0 |
Current / open credit lines:
| 20
/
17 | Length of status: | 4y 3m |
Amount delinquent:
| $0 |
Total credit lines:
| 35 |
Occupation: | Computer Programmer |
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $24,252 | Stated income: | $75,000-$99,999 |
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 73% | | |
| |
Homeownership:
| Yes | | |
Screen name:
| lean-listing |
Borrower's state:
| Texas |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan history | Payment history | Credit score history |
Active / total loans:
| 1 / 1 |
On-time:
| 9 ( 100% )
| 680-699 (Latest)
|
Principal borrowed:
| $6,500.00 | < 31 days late:
| 0
( 0% )
| 680-699
(Jan-2011)
|
Principal balance:
| $5,399.21 |
31+ days late:
| 0
( 0% )
|
Total payments billed:
| 9 | | |
Description
consolidation of 33% interest cards
Purpose of loan:
This loan will be used to consolidate more credit card debt off 33% cards that were raised over past 2 years when credit card regulations changed.
My financial situation:
I am a good candidate for this loan because I have a stable job,repeat borrower and have a demonstrated history of paying all my obligations on time.
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
540806
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount:
| $17,000.00 |
Prosper Rating:
| AA |
Listing Duration:
| 14 days
|
Minimum Amount to Fund:
| $11,900 |
Estimated loss*:
| 1.50% | | |
Term:
| 36 months | | | | |
|
Lender yield:
| 7.54% |
Borrower rate/APR:
| 8.54% / 8.88% |
Monthly payment:
| $536.96 |
|
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:
| Nov-1994 |
Debt/Income ratio:
| 6% |
Credit score:
| 800-819 (Nov-2011) |
Inquiries last 6m:
| 1 | Employment status: | Employed |
Now delinquent:
| 0 |
Current / open credit lines:
| 4
/
4 | Length of status: | 1y 1m |
Amount delinquent:
| $0 |
Total credit lines:
| 15 |
Occupation: | Attorney |
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $2,676 | Stated income: | $100,000+ |
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 3% | | |
| |
Homeownership:
| No | | |
Screen name:
| goliath471 |
Borrower's state:
| NewYork |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Description
Home Improvement
Purpose of loan:
This loan will be used to pay for my move from a studio apartment to a townhouse. In addition to paying for the broker fee, first and last month rent and security deposit, I need to pay for some minor home improvements, such as renovating the bathroom and buying furniture.
My financial situation:
I am a good candidate for this loan because I am an attorney with a steady income. I just don't have much savings at the moment because I paid off my school loans very quickly. I have a perfect credit score.
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
540818
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*:
| 11.20% | | |
Term:
| 36 months | | | | |
|
Lender yield:
| 24.61% |
Borrower rate/APR:
| 25.61% / 29.49% |
Monthly payment:
| $280.58 |
|
Lender servicing fee:
| 1.00% |
Effective Yield*:
| 24.00% | | |
| |
Estimated return*:
| 12.80% | | |
* 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-1992 |
Debt/Income ratio:
| 46% |
Credit score:
| 720-739 (Nov-2011) |
Inquiries last 6m:
| 1 | Employment status: | Employed |
Now delinquent:
| 1 |
Current / open credit lines:
| 18
/
17 | Length of status: | 14y 2m |
Amount delinquent:
| $709 |
Total credit lines:
| 47 |
Occupation: | Nurse (RN) |
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $41,678 | Stated income: | $75,000-$99,999 |
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 52% | | |
| |
Homeownership:
| Yes | | |
Screen name:
| exact-benjamins114 |
Borrower's state:
| Wisconsin |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Description
Get ahead
Purpose of loan: Putting things together as I am getting behind
This loan will be used to... consolidate
My financial situation: Falling behind, as i just got divorced this year and I took most of the debt, in order for my ex not to file bankrupcy. It is hard to manage on one income.
I am a good candidate for this loan because... I need to get things back together and I have always been very good about being on time with my payments and paying things. This economy and divorce have made for a not so interesting year.
Monthly net income: $ 4800.00
Monthly expenses: $4640.00
Housing: $1140.00
Insurance: $ 225.00
Car expenses: $125.00
Utilities: $125.00
Phone, cable, internet: $250.00
Food, entertainment: $300.00
Clothing, household expenses: $100.00
Credit cards and other loans: $2500.00
Other expenses: $
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
540826
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount:
| $2,000.00 |
Prosper Rating:
| B |
Listing Duration:
| 14 days
|
Minimum Amount to Fund:
| $2,000 |
Estimated loss*:
| 5.95% | | |
Term:
| 12 months | | | | |
|
Lender yield:
| 10.63% |
Borrower rate/APR:
| 11.63% / 19.35% |
Monthly payment:
| $177.35 |
|
Lender servicing fee:
| 1.00% |
Effective Yield*:
| 10.46% | | |
| |
Estimated return*:
| 4.51% | | |
* 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-1993 |
Debt/Income ratio:
| 7% |
Credit score:
| 660-679 (Nov-2011) |
Inquiries last 6m:
| 1 | Employment status: | Employed |
Now delinquent:
| 0 |
Current / open credit lines:
| 4
/
3 | Length of status: | 13y 5m |
Amount delinquent:
| $0 |
Total credit lines:
| 32 |
Occupation: | Professional |
Public records last 12m / 10y:
| 0/ 1 |
Revolving credit balance:
| $1,359 | Stated income: | $25,000-$49,999 |
Delinquencies in last 7y:
| 33 |
Bankcard utilization:
| 82% | | |
| |
Homeownership:
| No | | |
Screen name:
| penny-protector9 |
Borrower's state:
| Arizona |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Description
Help for Christmas
Purpose of loan:
This loan will be used to...fund Christmas for gifts to our 3 children. Just found out on a 1 week furlough, and unpaid Thanksgiving Holiday time. Our shopping fund is now gone, and difficult to make all the bills this next month. Help me be the Santa I was planning on being to my children.
I am a good candidate for this loan because...our income exceeds living expenses by $475/mo. Therefore my family will be able to pay the loan off on time.
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
540844
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:
| AA |
Listing Duration:
| 14 days
|
Minimum Amount to Fund:
| $2,000 |
Estimated loss*:
| 1.35% | | |
Term:
| 12 months | | | | |
|
Lender yield:
| 4.65% |
Borrower rate/APR:
| 5.65% / 6.59% |
Monthly payment:
| $171.81 |
|
Lender servicing fee:
| 1.00% |
Effective Yield*:
| 4.66% | | |
| |
Estimated return*:
| 3.31% | | |
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10):
| 10 |
First credit line:
| Oct-1996 |
Debt/Income ratio:
| 4% |
Credit score:
| 800-819 (Nov-2011) |
Inquiries last 6m:
| 1 | Employment status: | Employed |
Now delinquent:
| 0 |
Current / open credit lines:
| 9
/
7 | Length of status: | 15y 11m |
Amount delinquent:
| $0 |
Total credit lines:
| 24 |
Occupation: | Accountant/CPA |
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $47,134 | Stated income: | $75,000-$99,999 |
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 30% | | |
| |
Homeownership:
| Yes | | |
Screen name:
| tamer261 |
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
My financial situation:
I am a good candidate for this loan because I have excellent credit and have sufficient disposable income to make the monthly payments.
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
540850
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount:
| $3,000.00 |
Prosper Rating:
| D |
Listing Duration:
| 14 days
|
Minimum Amount to Fund:
| $2,100 |
Estimated loss*:
| 11.20% | | |
Term:
| 36 months | | | | |
|
Lender yield:
| 24.61% |
Borrower rate/APR:
| 25.61% / 29.49% |
Monthly payment:
| $120.25 |
|
Lender servicing fee:
| 1.00% |
Effective Yield*:
| 24.00% | | |
| |
Estimated return*:
| 12.80% | | |
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10):
| 6 |
First credit line:
| Aug-2000 |
Debt/Income ratio:
| 22% |
Credit score:
| 660-679 (Nov-2011) |
Inquiries last 6m:
| 0 | Employment status: | Employed |
Now delinquent:
| 0 |
Current / open credit lines:
| 12
/
12 | Length of status: | 1y 10m |
Amount delinquent:
| $0 |
Total credit lines:
| 20 |
Occupation: | Nurse (RN) |
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $22,559 | Stated income: | $50,000-$74,999 |
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 98% | | |
| |
Homeownership:
| Yes | | |
Screen name:
| Nurse-RN |
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
Energy Efficient Upgrades
Purpose of loan:
This loan will be used to puchase a new propane tankless water heater and repalce and old inefficient furnace with a 95% efficient furnace.
My financial situation:
I am an excellent candidate for this loan because I have never made a late payment or defaulted on any financial obligation. I have a secure job(Registered Nurse) that is not affected by the poor economy and have little to no chance of being laid-off or unemployed. I have been employed as a nurse since 1999 and have always had a full-time job.
Monthly net income: $3500.00
Monthly expenses: $2925.93
Housing: $1000.00
Insurance: $117.00
Car expenses: $158.93
Utilities: $175.00
Phone, cable, internet: $125.00
Food, entertainment: $400.00
Clothing, household expenses: $250.00
Credit cards and other loans: $500.00
Other expenses: $200.00
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
540896
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:
| 30.08% |
Borrower rate/APR:
| 31.08% / 35.09% |
Monthly payment:
| $301.32 |
|
Lender servicing fee:
| 1.00% |
Effective Yield*:
| 28.70% | | |
| |
Estimated return*:
| 14.00% | | |
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10):
| 3 |
First credit line:
| Nov-1990 |
Debt/Income ratio:
| Self-employed (DTI Not Calculated) |
Credit score:
| 820-839 (Nov-2011) |
Inquiries last 6m:
| 1 | Employment status: | Self-employed |
Now delinquent:
| 0 |
Current / open credit lines:
| 5
/
5 | Length of status: | 6y 10m |
Amount delinquent:
| $0 |
Total credit lines:
| 25 |
Occupation: | Other |
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $10,217 | Stated income: | $100,000+ |
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 35% | | |
| |
Homeownership:
| Yes | | |
Screen name:
| sandeepjony |
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
buessness
No description is available.
Information in the Description is not verified.