Listing Report:Supplement No. 35 dated Jan 03, 2012 to Prospectus dated Dec 15, 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 Dec 15, 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 Dec 15, 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
528095
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*:
| 2.00% | | |
|
Term:
| 36 months | | | | |
|
|
Lender yield:
| 8.74% |
Borrower rate/APR:
| 9.74% / 12.53% |
Monthly payment:
| $160.73 |
| |
|
Lender servicing fee:
| 1.00% |
Effective Yield*:
| 8.72% | | |
| |
Estimated return*:
| 6.72% | | |
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
|
Prosper score (1-10):
| 9 |
First credit line:
| Mar-1983 |
Debt/Income ratio:
| 13% |
|
Credit score:
| 740-759 (Jan-2012) |
Inquiries last 6m:
| 2 | Employment status: | Employed |
|
Now delinquent:
| 0 |
Current / open credit lines:
| 11
/
10 | Length of status: | 5y 10m |
|
Amount delinquent:
| $0 |
Total credit lines:
| 26 |
Occupation: | Executive |
|
Public records last 12m / 10y:
| 0/ 2 |
Revolving credit balance:
| $23,051 | Stated income: | $100,000+ |
|
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 51% | | |
| | |
Homeownership:
| Yes | | |
|
Screen name:
| sunny-in-pdx |
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.
Prosper Activity
| Loan history | Payment history | Credit score history |
|
Active / total loans:
| 1 / 1 |
On-time:
| 21 ( 100% )
| 740-759 (Latest)
|
|
Principal borrowed:
| $5,000.00 | < 31 days late:
| 0
( 0% )
| 760-779
(Feb-2010)
|
|
Principal balance:
| $2,253.13 |
31+ days late:
| 0
( 0% )
|
|
Total payments billed:
| 21 | | |
Description
My loan for debt consolidation
Purpose of loan: one of my oldest daughter's student loans is at a higher rate than what is available from Prosper, looking to close out that loan.
I'm a senior executive in the semiconductor industry with over 25 years experience and more than 15 of that in executive roles. I currently have a Prosper loan for the same amount as this loan; I've had no issues with the current loan and do not foresee any issues with repaying this loan.
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
543187
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:
| 60 months | | | | |
|
|
Lender yield:
| 20.51% |
Borrower rate/APR:
| 21.51% / 23.48% |
Monthly payment:
| $410.12 |
| |
|
Lender servicing fee:
| 1.00% |
Effective Yield*:
| 20.15% | | |
| |
Estimated return*:
| 14.20% | | |
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
|
Prosper score (1-10):
| 9 |
First credit line:
| Mar-1977 |
Debt/Income ratio:
| 18% |
|
Credit score:
| 700-719 (Dec-2011) |
Inquiries last 6m:
| 0 | Employment status: | Employed |
|
Now delinquent:
| 0 |
Current / open credit lines:
| 13
/
13 | Length of status: | 28y 5m |
|
Amount delinquent:
| $0 |
Total credit lines:
| 48 |
Occupation: | Administrative Assi... |
|
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $124,636 | Stated income: | $50,000-$74,999 |
|
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 73% | | |
| | |
Homeownership:
| No | | |
|
Screen name:
| meteoric-bonus |
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
consolidation of debt
No description is available.
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
545949
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
|
Amount:
| $13,000.00 |
Prosper Rating:
| B |
Listing Duration:
| 14 days
|
|
Minimum Amount to Fund:
| $9,100 |
Estimated loss*:
| 5.95% | | |
|
Term:
| 36 months | | | | |
|
|
Lender yield:
| 15.21% |
Borrower rate/APR:
| 16.21% / 19.11% |
Monthly payment:
| $458.39 |
| |
|
Lender servicing fee:
| 1.00% |
Effective Yield*:
| 14.95% | | |
| |
Estimated return*:
| 9.00% | | |
* 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):
| 9 |
First credit line:
| Jul-1991 |
Debt/Income ratio:
| 17% |
|
Credit score:
| 640-659 (Dec-2011) |
Inquiries last 6m:
| 2 | Employment status: | Employed |
|
Now delinquent:
| 0 |
Current / open credit lines:
| 14
/
14 | Length of status: | 5y 8m |
|
Amount delinquent:
| $0 |
Total credit lines:
| 22 |
Occupation: | Other |
|
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $36,584 | Stated income: | $75,000-$99,999 |
|
Delinquencies in last 7y:
| 6 |
Bankcard utilization:
| 29% | | |
| | |
Homeownership:
| No | | |
|
Screen name:
| newest-coin-satellite |
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
debit consolidation
No description is available.
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
547689
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:
| 29.58% |
Borrower rate/APR:
| 30.58% / 34.58% |
Monthly payment:
| $171.08 |
| |
|
Lender servicing fee:
| 1.00% |
Effective Yield*:
| 28.22% | | |
| |
Estimated return*:
| 13.52% | | |
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
|
Prosper score (1-10):
| 4 |
First credit line:
| Aug-1992 |
Debt/Income ratio:
| 25% |
|
Credit score:
| 720-739 (Dec-2011) |
Inquiries last 6m:
| 0 | Employment status: | Employed |
|
Now delinquent:
| 0 |
Current / open credit lines:
| 4
/
4 | Length of status: | 3y 5m |
|
Amount delinquent:
| $0 |
Total credit lines:
| 17 |
Occupation: | Other |
|
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $26,294 | Stated income: | $75,000-$99,999 |
|
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 100% | | |
| | |
Homeownership:
| No | | |
|
Screen name:
| bonafide-agreement4 |
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
Loan to help with medical bills,
No description is available.
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
547763
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
|
Amount:
| $2,000.00 |
Prosper Rating:
| B |
Listing Duration:
| 14 days
|
|
Minimum Amount to Fund:
| $2,000 |
Estimated loss*:
| 5.95% | | |
|
Term:
| 36 months | | | | |
|
|
Lender yield:
| 15.21% |
Borrower rate/APR:
| 16.21% / 19.11% |
Monthly payment:
| $70.52 |
| |
|
Lender servicing fee:
| 1.00% |
Effective Yield*:
| 14.95% | | |
| |
Estimated return*:
| 9.00% | | |
* 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):
| 8 |
First credit line:
| Dec-1974 |
Debt/Income ratio:
| Not calculated |
|
Credit score:
| 760-779 (Dec-2011) |
Inquiries last 6m:
| 0 | Employment status: | Not employed |
|
Now delinquent:
| 0 |
Current / open credit lines:
| 3
/
3 | Length of status: | 16y 8m |
|
Amount delinquent:
| $0 |
Total credit lines:
| 11 | Stated income: | Not employed |
|
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $2,035 | |
|
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 28% | | |
| | |
Homeownership:
| No | | |
|
Screen name:
| dignified-affluence68 |
Borrower's state:
| NorthCarolina |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Description
Credit Card Pay off
Purpose of loan:
This loan will be used to pay off hearing aid.
My financial situation: I am a retired English Professor
I am a good candidate for this loan because its a small amount and I can handle the payments. My interest on the credit card is way too high at 30 %. I will do my best to pay it off sooner rather than later. I am a widow living in a retirement housing with all utilities included. My car is almost 20 years old so I am very conservative. I want to pay for another hearing aid once this one is paid off.
Thanks in advance.
MSW
Monthly net income: $5073
Monthly expenses: $4000
Housing: $2500
Insurance: $59
Car expenses: $0
Utilities: $0
Phone, cable, internet: $98
Food, entertainment: $400
Clothing, household expenses: $50
Credit cards and other loans: $33
Other expenses: $400
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
548085
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:
| 15.21% |
Borrower rate/APR:
| 16.21% / 19.11% |
Monthly payment:
| $528.91 |
| |
|
Lender servicing fee:
| 1.00% |
Effective Yield*:
| 14.95% | | |
| |
Estimated return*:
| 9.00% | | |
* 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):
| 8 |
First credit line:
| Feb-1994 |
Debt/Income ratio:
| 14% |
|
Credit score:
| 740-759 (Jan-2012) |
Inquiries last 6m:
| 1 | Employment status: | Employed |
|
Now delinquent:
| 0 |
Current / open credit lines:
| 10
/
10 | Length of status: | 3y 2m |
|
Amount delinquent:
| $0 |
Total credit lines:
| 20 |
Occupation: | Accountant/CPA |
|
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $39,478 | Stated income: | $100,000+ |
|
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 84% | | |
| | |
Homeownership:
| Yes | | |
|
Screen name:
| exchange-walnut |
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
My personal loan for my business
Purpose of loan:
This loan will be used to purchase more equipment to grow my business.
My financial situation:
I am a good candidate for this loan because I am a responsible person - college educated, full time employment as an accountant, home owner, and business owner. I've never been late on my mortgage in ten years which is a testament to my fiscal diligence to my responsibilities.
In addition to my full time job where I gross $100,000, my ATM business grosses $80,000 per year. The business has been operating since the end of 2004. Most of the profits from the business have been reinvested in order to increase the number of locations where my machines are located.
Monthly net income: $7400.00
Housing: $2500.00
Insurance: $112.00
Car expenses: $300.00 (gasoline)
Utilities: $400.00
Phone, cable, internet: $225.00
Food, entertainment: $600.00
Clothing, household expenses: $400.00
Credit cards and other loans: $900.00
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
548095
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
|
Amount:
| $8,500.00 |
Prosper Rating:
| D |
Listing Duration:
| 14 days
|
|
Minimum Amount to Fund:
| $5,950 |
Estimated loss*:
| 11.20% | | |
|
Term:
| 36 months | | | | |
|
|
Lender yield:
| 24.11% |
Borrower rate/APR:
| 25.11% / 28.97% |
Monthly payment:
| $338.45 |
| |
|
Lender servicing fee:
| 1.00% |
Effective Yield*:
| 23.52% | | |
| |
Estimated return*:
| 12.32% | | |
* 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-2001 |
Debt/Income ratio:
| 20% |
|
Credit score:
| 700-719 (Jan-2012) |
Inquiries last 6m:
| 1 | Employment status: | Employed |
|
Now delinquent:
| 0 |
Current / open credit lines:
| 14
/
12 | Length of status: | 4y 6m |
|
Amount delinquent:
| $0 |
Total credit lines:
| 57 |
Occupation: | Computer Programmer |
|
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $32,626 | Stated income: | $100,000+ |
|
Delinquencies in last 7y:
| 3 |
Bankcard utilization:
| 66% | | |
| | |
Homeownership:
| Yes | | |
|
Screen name:
| value-wonder9 |
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
Better MPG auto loan
No description is available.
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
548101
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
|
Amount:
| $12,000.00 |
Prosper Rating:
| C |
Listing Duration:
| 14 days
|
|
Minimum Amount to Fund:
| $8,400 |
Estimated loss*:
| 8.50% | | |
|
Term:
| 36 months | | | | |
|
|
Lender yield:
| 20.21% |
Borrower rate/APR:
| 21.21% / 24.98% |
Monthly payment:
| $453.40 |
| |
|
Lender servicing fee:
| 1.00% |
Effective Yield*:
| 19.74% | | |
| |
Estimated return*:
| 11.24% | | |
* 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-1993 |
Debt/Income ratio:
| 33% |
|
Credit score:
| 660-679 (Jan-2012) |
Inquiries last 6m:
| 1 | Employment status: | Employed |
|
Now delinquent:
| 0 |
Current / open credit lines:
| 12
/
10 | Length of status: | 11y 8m |
|
Amount delinquent:
| $0 |
Total credit lines:
| 27 |
Occupation: | Scientist |
|
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $23,276 | Stated income: | $50,000-$74,999 |
|
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 98% | | |
| | |
Homeownership:
| Yes | | |
|
Screen name:
| mill1313 |
Borrower's state:
| Minnesota |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
| Loan history | Payment history | Credit score history |
|
Active / total loans:
| 0 / 1 |
On-time:
| 11 ( 100% )
| 660-679 (Latest)
|
|
Principal borrowed:
| $3,000.00 | < 31 days late:
| 0
( 0% )
| 660-679
(Jul-2010)
640-659
(Sep-2009)
760-779
(Jul-2008)
|
|
Principal balance:
| $0.00 |
31+ days late:
| 0
( 0% )
|
|
Total payments billed:
| 11 | | |
Description
Get out of Debt Faster
Purpose of loan: Consolidate smaller debts in an effort to pay them off faster and improve credit score.
My financial situation:
I am a good candidate for this loan because I always pay off loans on time if not sooner.
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
548103
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:
| A |
Listing Duration:
| 14 days
|
|
Minimum Amount to Fund:
| $2,450 |
Estimated loss*:
| 3.80% | | |
|
Term:
| 36 months | | | | |
|
|
Lender yield:
| 10.54% |
Borrower rate/APR:
| 11.54% / 14.36% |
Monthly payment:
| $115.48 |
| |
|
Lender servicing fee:
| 1.00% |
Effective Yield*:
| 10.51% | | |
| |
Estimated return*:
| 6.71% | | |
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
|
Prosper score (1-10):
| 8 |
First credit line:
| Jan-1980 |
Debt/Income ratio:
| Not calculated |
|
Credit score:
| 780-799 (Jan-2012) |
Inquiries last 6m:
| 2 | Employment status: | Employed |
|
Now delinquent:
| 0 |
Current / open credit lines:
| 5
/
5 | Length of status: | 9y 5m |
|
Amount delinquent:
| $0 |
Total credit lines:
| 15 |
Occupation: | Analyst |
|
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $916 | Stated income: | $50,000-$74,999 |
|
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 2% | | |
| | |
Homeownership:
| No | | |
|
Screen name:
| responsibility-officer |
Borrower's state:
| Oklahoma |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Description
Solitary Independence
Purpose of loan:
This loan will be used to...improve my home and to lay an additional driveway
My financial situation:
I am a good candidate for this loan because...I have worked all of my life
and I've put my children through college and now I think it's time for me to enjoy some new housing fixtures and. furniture.
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
548159
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
|
Amount:
| $9,500.00 |
Prosper Rating:
| B |
Listing Duration:
| 14 days
|
|
Minimum Amount to Fund:
| $6,650 |
Estimated loss*:
| 5.95% | | |
|
Term:
| 36 months | | | | |
|
|
Lender yield:
| 15.21% |
Borrower rate/APR:
| 16.21% / 19.11% |
Monthly payment:
| $334.98 |
| |
|
Lender servicing fee:
| 1.00% |
Effective Yield*:
| 14.95% | | |
| |
Estimated return*:
| 9.00% | | |
* 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):
| 8 |
First credit line:
| Jul-1978 |
Debt/Income ratio:
| 40% |
|
Credit score:
| 720-739 (Jan-2012) |
Inquiries last 6m:
| 0 | Employment status: | Employed |
|
Now delinquent:
| 0 |
Current / open credit lines:
| 8
/
8 | Length of status: | 4y 4m |
|
Amount delinquent:
| $0 |
Total credit lines:
| 20 |
Occupation: | Chemist |
|
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $31,840 | Stated income: | $25,000-$49,999 |
|
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 66% | | |
| | |
Homeownership:
| No | | |
|
Screen name:
| favorite-transparency2 |
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
My loan for debt consolidation
No description is available.
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
548161
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:
| B |
Listing Duration:
| 14 days
|
|
Minimum Amount to Fund:
| $4,000 |
Estimated loss*:
| 5.95% | | |
|
Term:
| 36 months | | | | |
|
|
Lender yield:
| 15.21% |
Borrower rate/APR:
| 16.21% / 19.11% |
Monthly payment:
| $141.04 |
| |
|
Lender servicing fee:
| 1.00% |
Effective Yield*:
| 14.95% | | |
| |
Estimated return*:
| 9.00% | | |
* 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):
| 8 |
First credit line:
| Feb-1995 |
Debt/Income ratio:
| 5% |
|
Credit score:
| 660-679 (Jan-2012) |
Inquiries last 6m:
| 0 | Employment status: | Employed |
|
Now delinquent:
| 0 |
Current / open credit lines:
| 5
/
4 | Length of status: | 0y 7m |
|
Amount delinquent:
| $0 |
Total credit lines:
| 26 |
Occupation: | Truck Driver |
|
Public records last 12m / 10y:
| 0/ 1 |
Revolving credit balance:
| $3,118 | Stated income: | $50,000-$74,999 |
|
Delinquencies in last 7y:
| 12 |
Bankcard utilization:
| 76% | | |
| | |
Homeownership:
| No | | |
|
Screen name:
| marketplace-tapestry7 |
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
My loan for debt consolidation
No description is available.
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
548213
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:
| 30.27% |
Borrower rate/APR:
| 31.27% / 35.28% |
Monthly payment:
| $172.60 |
| |
|
Lender servicing fee:
| 1.00% |
Effective Yield*:
| 28.50% | | |
| |
Estimated return*:
| 12.00% | | |
* 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):
| 4 |
First credit line:
| Jun-1987 |
Debt/Income ratio:
| 15% |
|
Credit score:
| 660-679 (Jan-2012) |
Inquiries last 6m:
| 4 | Employment status: | Other |
|
Now delinquent:
| 0 |
Current / open credit lines:
| 15
/
12 | Length of status: | 20y 6m |
|
Amount delinquent:
| $0 |
Total credit lines:
| 40 |
Occupation: | Other |
|
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $3,960 | Stated income: | $25,000-$49,999 |
|
Delinquencies in last 7y:
| 4 |
Bankcard utilization:
| 41% | | |
| | |
Homeownership:
| No | | |
|
Screen name:
| unconquerable-camaraderi647 |
Borrower's state:
| NorthCarolina |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Description
Bills
No description is available.
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
548221
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
|
Amount:
| $5,500.00 |
Prosper Rating:
| D |
Listing Duration:
| 14 days
|
|
Minimum Amount to Fund:
| $3,850 |
Estimated loss*:
| 11.20% | | |
|
Term:
| 36 months | | | | |
|
|
Lender yield:
| 24.11% |
Borrower rate/APR:
| 25.11% / 28.97% |
Monthly payment:
| $219.00 |
| |
|
Lender servicing fee:
| 1.00% |
Effective Yield*:
| 23.52% | | |
| |
Estimated return*:
| 12.32% | | |
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
|
Prosper score (1-10):
| 6 |
First credit line:
| Oct-1996 |
Debt/Income ratio:
| 18% |
|
Credit score:
| 660-679 (Jan-2012) |
Inquiries last 6m:
| 0 | Employment status: | Employed |
|
Now delinquent:
| 0 |
Current / open credit lines:
| 14
/
13 | Length of status: | 0y 7m |
|
Amount delinquent:
| $0 |
Total credit lines:
| 29 |
Occupation: | Administrative Assi... |
|
Public records last 12m / 10y:
| 0/ 1 |
Revolving credit balance:
| $13,337 | Stated income: | $50,000-$74,999 |
|
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 88% | | |
| | |
Homeownership:
| Yes | | |
|
Screen name:
| kinetic-community892 |
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
The Money Pit....
Purpose of loan: consolidate bills....
This loan will be used to...consolidate bills incurred after the purchase of a charming lovely temporary money pit.
My financial situation:
I am a good candidate for this loan because...
I have lots of smaller limit cards and years ago filed For bankruptcy and since that happened years ago I have never paid a bill late ever. I am financially secure but would like to clean things up and only have one bill instead of little ones.
Bills that are marked as zero are bills that my husband pays.
Monthly net income: $4400
Monthly expenses: $
Housing: $1300
Insurance: $0
Car expenses: $225
Utilities: $0
Phone, cable, internet: $70
Food, entertainment: $400
Clothing, household expenses: $300
Credit cards and other loans: $320
Other expenses: $0
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
548227
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
|
Amount:
| $10,000.00 |
Prosper Rating:
| A |
Listing Duration:
| 14 days
|
|
Minimum Amount to Fund:
| $7,000 |
Estimated loss*:
| 2.00% | | |
|
Term:
| 36 months | | | | |
|
|
Lender yield:
| 8.74% |
Borrower rate/APR:
| 9.74% / 12.53% |
Monthly payment:
| $321.45 |
| |
|
Lender servicing fee:
| 1.00% |
Effective Yield*:
| 8.72% | | |
| |
Estimated return*:
| 6.72% | | |
* 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:
| Jan-2002 |
Debt/Income ratio:
| 13% |
|
Credit score:
| 700-719 (Jan-2012) |
Inquiries last 6m:
| 1 | Employment status: | Employed |
|
Now delinquent:
| 0 |
Current / open credit lines:
| 12
/
12 | Length of status: | 6y 3m |
|
Amount delinquent:
| $0 |
Total credit lines:
| 17 |
Occupation: | Executive |
|
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $13,580 | Stated income: | $100,000+ |
|
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 24% | | |
| | |
Homeownership:
| Yes | | |
|
Screen name:
| p2p-shrubbery |
Borrower's state:
| Florida |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
| Loan history | Payment history | Credit score history |
|
Active / total loans:
| 1 / 1 |
On-time:
| 14 ( 100% )
| 700-719 (Latest)
|
|
Principal borrowed:
| $15,000.00 | < 31 days late:
| 0
( 0% )
| 760-779
(Aug-2010)
|
|
Principal balance:
| $9,602.12 |
31+ days late:
| 0
( 0% )
|
|
Total payments billed:
| 14 | | |
Description
Debt consolidation
Purpose of loan: Debt consolidation
This loan will be used to pay off high interest credit cards.
My financial situation:
I am a good candidate for this loan because I have an excellent credit score and my company has been breaking even only eight months after starting the business last year.
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
548233
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
|
Amount:
| $6,500.00 |
Prosper Rating:
| D |
Listing Duration:
| 14 days
|
|
Minimum Amount to Fund:
| $4,550 |
Estimated loss*:
| 10.50% | | |
|
Term:
| 60 months | | | | |
|
|
Lender yield:
| 25.87% |
Borrower rate/APR:
| 26.87% / 29.49% |
Monthly payment:
| $197.97 |
| |
|
Lender servicing fee:
| 1.00% |
Effective Yield*:
| 25.23% | | |
| |
Estimated return*:
| 14.73% | | |
* 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:
| Aug-2003 |
Debt/Income ratio:
| 24% |
|
Credit score:
| 640-659 (Jan-2012) |
Inquiries last 6m:
| 0 | Employment status: | Employed |
|
Now delinquent:
| 0 |
Current / open credit lines:
| 6
/
5 | Length of status: | 4y 10m |
|
Amount delinquent:
| $0 |
Total credit lines:
| 14 |
Occupation: | Laborer |
|
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $1,607 | Stated income: | $50,000-$74,999 |
|
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 107% | | |
| | |
Homeownership:
| Yes | | |
|
Screen name:
| smithdaddy83 |
Borrower's state:
| Mississippi |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
| Loan history | Payment history | Credit score history |
|
Active / total loans:
| 1 / 2 |
On-time:
| 40 ( 98% )
| 640-659 (Latest)
|
|
Principal borrowed:
| $6,100.00 | < 31 days late:
| 1
( 2% )
| 620-639
(Nov-2010)
600-619
(Sep-2008)
|
|
Principal balance:
| $2,641.08 |
31+ days late:
| 0
( 0% )
|
|
Total payments billed:
| 41 | | |
Description
Payoff current loan and debt
Purpose of loan: This loan will be used to payoff my current loan( at a lower rate) and some other debts.
My financial situation:
I am a good candidate for this loan because I have kept up with my past prosper loans and plan to have this one drafted out as well.
Monthly net income: $2850
Monthly expenses: $
Housing: $705
Insurance: $60
Car expenses: $270
Utilities: $200
Phone, cable, internet: $120
Food, entertainment: $500(groceries)
Clothing, household expenses: $100
Credit cards and other loans: $200
Other expenses: $500
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
548259
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:
| 36 months | | | | |
|
|
Lender yield:
| 14.59% |
Borrower rate/APR:
| 15.59% / 18.48% |
Monthly payment:
| $524.32 |
| |
|
Lender servicing fee:
| 1.00% |
Effective Yield*:
| 14.34% | | |
| |
Estimated return*:
| 9.14% | | |
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
|
Prosper score (1-10):
| 6 |
First credit line:
| Apr-1970 |
Debt/Income ratio:
| 25% |
|
Credit score:
| 700-719 (Jan-2012) |
Inquiries last 6m:
| 0 | Employment status: | Employed |
|
Now delinquent:
| 0 |
Current / open credit lines:
| 14
/
14 | Length of status: | 34y 8m |
|
Amount delinquent:
| $0 |
Total credit lines:
| 25 |
Occupation: | Professional |
|
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $32,278 | Stated income: | $100,000+ |
|
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 91% | | |
| | |
Homeownership:
| No | | |
|
Screen name:
| WINDMARIAH |
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:
| 0 / 1 |
On-time:
| 11 ( 100% )
| 700-719 (Latest)
|
|
Principal borrowed:
| $3,000.00 | < 31 days late:
| 0
( 0% )
| 680-699
(Dec-2007)
|
|
Principal balance:
| $0.02 |
31+ days late:
| 0
( 0% )
|
|
Total payments billed:
| 11 | | |
Description
My 2012 Money Diet
Purpose of loan:
To pay off my credit card debts.
My financial situation:
During 2011 my income increased to $125,000 per year ($25K increase from 2010). I am highly dedicated to my goal of overcoming my bad habits with money. Proud to report that I have overcome my bad habits with food and exercise by losing and keeping off 125 pounds since 2009! I feel great now that I'm living a healthy lifestyle. The next step is to become financially healthy by conquering my credit card spending problem! Feel free to ask me questions. Cheers!
Monthly net income: $6400
Monthly expenses: $5090
Housing: $600
Insurance: $60
Car expenses: $200 (not including 1 final car payment of $468 on 2/12!)
Utilities: $100
Phone, cable, internet: $200
Food, entertainment: $1000
Clothing, household expenses: $250
Credit cards and other loans: $2300
Parking: $180
Other expenses: $200 (Gym, professional memberships, Cont. Ed Fees)
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
548275
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
|
Amount:
| $9,500.00 |
Prosper Rating:
| D |
Listing Duration:
| 14 days
|
|
Minimum Amount to Fund:
| $6,650 |
Estimated loss*:
| 11.20% | | |
|
Term:
| 60 months | | | | |
|
|
Lender yield:
| 29.27% |
Borrower rate/APR:
| 30.27% / 32.99% |
Monthly payment:
| $308.93 |
| |
|
Lender servicing fee:
| 1.00% |
Effective Yield*:
| 28.53% | | |
| |
Estimated return*:
| 17.33% | | |
* 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:
| Aug-1991 |
Debt/Income ratio:
| 19% |
|
Credit score:
| 760-779 (Jan-2012) |
Inquiries last 6m:
| 1 | Employment status: | Employed |
|
Now delinquent:
| 0 |
Current / open credit lines:
| 4
/
4 | Length of status: | 10y 8m |
|
Amount delinquent:
| $0 |
Total credit lines:
| 32 |
Occupation: | Construction |
|
Public records last 12m / 10y:
| 0/ 1 |
Revolving credit balance:
| $24 | Stated income: | $25,000-$49,999 |
|
Delinquencies in last 7y:
| 17 |
Bankcard utilization:
| 0% | | |
| | |
Homeownership:
| Yes | | |
|
Screen name:
| entertaining-justice551 |
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
AUTO
No description is available.
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
548305
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:
| 30.27% |
Borrower rate/APR:
| 31.27% / 35.28% |
Monthly payment:
| $172.60 |
| |
|
Lender servicing fee:
| 1.00% |
Effective Yield*:
| 28.50% | | |
| |
Estimated return*:
| 12.00% | | |
* 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):
| 5 |
First credit line:
| Jun-1989 |
Debt/Income ratio:
| 10% |
|
Credit score:
| 680-699 (Jan-2012) |
Inquiries last 6m:
| 2 | Employment status: | Employed |
|
Now delinquent:
| 0 |
Current / open credit lines:
| 11
/
10 | Length of status: | 12y 10m |
|
Amount delinquent:
| $0 |
Total credit lines:
| 33 |
Occupation: | Fireman |
|
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $2,082 | Stated income: | $100,000+ |
|
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 65% | | |
| | |
Homeownership:
| Yes | | |
|
Screen name:
| kind-return-bluebird |
Borrower's state:
| California |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Description
Debt Consolidation
Pay off some lingering bills (braces and Christmas) and start the year fresh. Great job with long term employment history.
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
548317
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:
| 20.51% |
Borrower rate/APR:
| 21.51% / 23.48% |
Monthly payment:
| $273.41 |
| |
|
Lender servicing fee:
| 1.00% |
Effective Yield*:
| 20.15% | | |
| |
Estimated return*:
| 14.20% | | |
* 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-2000 |
Debt/Income ratio:
| 8% |
|
Credit score:
| 680-699 (Jan-2012) |
Inquiries last 6m:
| 5 | Employment status: | Employed |
|
Now delinquent:
| 0 |
Current / open credit lines:
| 3
/
3 | Length of status: | 23y 7m |
|
Amount delinquent:
| $0 |
Total credit lines:
| 14 |
Occupation: | Skilled Labor |
|
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $9,172 | Stated income: | $75,000-$99,999 |
|
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 77% | | |
| | |
Homeownership:
| No | | |
|
Screen name:
| the-tidy-interest |
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
honeymoon
No description is available.
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
548323
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:
| 30.27% |
Borrower rate/APR:
| 31.27% / 35.28% |
Monthly payment:
| $172.60 |
| |
|
Lender servicing fee:
| 1.00% |
Effective Yield*:
| 28.50% | | |
| |
Estimated return*:
| 12.00% | | |
* 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:
| Aug-1984 |
Debt/Income ratio:
| Self-employed (DTI Not Calculated) |
|
Credit score:
| 720-739 (Jan-2012) |
Inquiries last 6m:
| 0 | Employment status: | Self-employed |
|
Now delinquent:
| 0 |
Current / open credit lines:
| 5
/
4 | Length of status: | 5y 6m |
|
Amount delinquent:
| $0 |
Total credit lines:
| 19 |
Occupation: | Principal |
|
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $21,539 | Stated income: | $100,000+ |
|
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 87% | | |
| | |
Homeownership:
| Yes | | |
|
Screen name:
| natural-wealth372 |
Borrower's state:
| NorthCarolina |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Description
change life
No description is available.
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
548335
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:
| HR |
Listing Duration:
| 14 days
|
|
Minimum Amount to Fund:
| $2,450 |
Estimated loss*:
| 16.50% | | |
|
Term:
| 36 months | | | | |
|
|
Lender yield:
| 30.27% |
Borrower rate/APR:
| 31.27% / 35.28% |
Monthly payment:
| $151.03 |
| |
|
Lender servicing fee:
| 1.00% |
Effective Yield*:
| 28.50% | | |
| |
Estimated return*:
| 12.00% | | |
* 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):
| 4 |
First credit line:
| Feb-1998 |
Debt/Income ratio:
| 23% |
|
Credit score:
| 680-699 (Jan-2012) |
Inquiries last 6m:
| 0 | Employment status: | Employed |
|
Now delinquent:
| 1 |
Current / open credit lines:
| 11
/
10 | Length of status: | 10y 11m |
|
Amount delinquent:
| $220 |
Total credit lines:
| 23 |
Occupation: | Computer Programmer |
|
Public records last 12m / 10y:
| 0/ 1 |
Revolving credit balance:
| $20,700 | Stated income: | $75,000-$99,999 |
|
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 95% | | |
| | |
Homeownership:
| Yes | | |
|
Screen name:
| tenacious-point520 |
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
Home Improvement
No description is available.
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
548353
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:
| 30.27% |
Borrower rate/APR:
| 31.27% / 35.28% |
Monthly payment:
| $172.60 |
| |
|
Lender servicing fee:
| 1.00% |
Effective Yield*:
| 28.50% | | |
| |
Estimated return*:
| 12.00% | | |
* 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):
| 2 |
First credit line:
| Aug-2007 |
Debt/Income ratio:
| 33% |
|
Credit score:
| 720-739 (Dec-2011) |
Inquiries last 6m:
| 0 | Employment status: | Employed |
|
Now delinquent:
| 0 |
Current / open credit lines:
| 3
/
3 | Length of status: | 2y 4m |
|
Amount delinquent:
| $0 |
Total credit lines:
| 5 |
Occupation: | Food Service |
|
Public records last 12m / 10y:
| 0/ 1 |
Revolving credit balance:
| $0 | Stated income: | $1-$24,999 |
|
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 0% | | |
| | |
Homeownership:
| No | | |
|
Screen name:
| andGarfunkel |
Borrower's state:
| NewYork |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Description
Debt Consolidation
Purpose of loan:
This loan will be used to pay off several debts and bills that have been hanging over my head for the past year.
My financial situation:
I am a good candidate for this loan because I am an extremely hard worker and am now working full time. I am driven, and NEED to get this loan in order to consolidate my bills and move forward with my life.
Monthly net income: $ 1000
Monthly expenses: $
Housing: $ 340
Insurance: $ 100
Car expenses: $ 80
Utilities: $ 40
Phone, cable, internet: $ 12
Food, entertainment: $ 80
Clothing, household expenses: $
Credit cards and other loans: $
Other expenses: $
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
548373
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:
| B |
Listing Duration:
| 14 days
|
|
Minimum Amount to Fund:
| $2,800 |
Estimated loss*:
| 5.20% | | |
|
Term:
| 36 months | | | | |
|
|
Lender yield:
| 14.59% |
Borrower rate/APR:
| 15.59% / 18.48% |
Monthly payment:
| $139.82 |
| |
|
Lender servicing fee:
| 1.00% |
Effective Yield*:
| 14.34% | | |
| |
Estimated return*:
| 9.14% | | |
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
|
Prosper score (1-10):
| 6 |
First credit line:
| May-1990 |
Debt/Income ratio:
| 22% |
|
Credit score:
| 660-679 (Jan-2012) |
Inquiries last 6m:
| 3 | Employment status: | Employed |
|
Now delinquent:
| 0 |
Current / open credit lines:
| 7
/
6 | Length of status: | 6y 2m |
|
Amount delinquent:
| $0 |
Total credit lines:
| 24 |
Occupation: | Other |
|
Public records last 12m / 10y:
| 0/ 1 |
Revolving credit balance:
| $6,928 | Stated income: | $25,000-$49,999 |
|
Delinquencies in last 7y:
| 19 |
Bankcard utilization:
| 35% | | |
| | |
Homeownership:
| No | | |
|
Screen name:
| fantastic-peso6 |
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:
| 1 ( 100% )
| 660-679 (Latest)
|
|
Principal borrowed:
| $7,000.00 | < 31 days late:
| 0
( 0% )
| 680-699
(Oct-2011)
|
|
Principal balance:
| $0.00 |
31+ days late:
| 0
( 0% )
|
|
Total payments billed:
| 1 | | |
Description
grrloan
Purpose of loan: Consolidation of educational loans and Disney
This loan will be used to...
My financial situation:
I am a good candidate for this loan because...I have akready paid off 1 loan with Prosper and my job is secure
Monthly net income: $2000.00
Monthly expenses: $
Housing: $250.00
Insurance: $98.00
Car expenses: $0
Utilities: $0
Phone, cable, internet: $0
Food, entertainment: $200.00
Clothing, household expenses: $100.00
Credit cards and other loans: $250.00
Other expenses: $0
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
548381
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
|
Amount:
| $15,000.00 |
Prosper Rating:
| C |
Listing Duration:
| 14 days
|
|
Minimum Amount to Fund:
| $15,000 |
Estimated loss*:
| 8.50% | | |
|
Term:
| 36 months | | | | |
|
|
Lender yield:
| 20.21% |
Borrower rate/APR:
| 21.21% / 24.98% |
Monthly payment:
| $566.74 |
| |
|
Lender servicing fee:
| 1.00% |
Effective Yield*:
| 19.74% | | |
| |
Estimated return*:
| 11.24% | | |
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
|
Prosper score (1-10):
| 5 |
First credit line:
| Jul-1991 |
Debt/Income ratio:
| 33% |
|
Credit score:
| 680-699 (Jan-2012) |
Inquiries last 6m:
| 2 | Employment status: | Employed |
|
Now delinquent:
| 0 |
Current / open credit lines:
| 15
/
15 | Length of status: | 14y 4m |
|
Amount delinquent:
| $0 |
Total credit lines:
| 45 |
Occupation: | Professional |
|
Public records last 12m / 10y:
| 0/ 1 |
Revolving credit balance:
| $14,195 | Stated income: | $75,000-$99,999 |
|
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 51% | | |
| | |
Homeownership:
| No | | |
|
Screen name:
| Driver0890 |
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:
| 34 ( 100% )
| 680-699 (Latest)
|
|
Principal borrowed:
| $3,000.00 | < 31 days late:
| 0
( 0% )
| 680-699
(Jun-2007)
|
|
Principal balance:
| $0.00 |
31+ days late:
| 0
( 0% )
|
|
Total payments billed:
| 34 | | |
Description
Debt consolidation
Purpose of loan: Pay down CC
This loan will be used to...
My financial situation: Very stable and in very stable job
I am a good candidate for this loan because...pay my bills quickly and most importantly on time. If they can be paid faster, they will.
Monthly net income: $6300
Monthly expenses: $6175
Housing: $1775
Insurance: $290
Car expenses: $595 plus $125 gas
Utilities: $475
Phone, cable, internet: $165
Food, entertainment: $400
Clothing, household expenses: $600
Credit cards and other loans: $1350
Other expenses: $400
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
548447
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:
| 24.11% |
Borrower rate/APR:
| 25.11% / 28.97% |
Monthly payment:
| $398.18 |
| |
|
Lender servicing fee:
| 1.00% |
Effective Yield*:
| 23.52% | | |
| |
Estimated return*:
| 12.32% | | |
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
|
Prosper score (1-10):
| 7 |
First credit line:
| Sep-1997 |
Debt/Income ratio:
| Self-employed (DTI Not Calculated) |
|
Credit score:
| 720-739 (Jan-2012) |
Inquiries last 6m:
| 1 | Employment status: | Self-employed |
|
Now delinquent:
| 0 |
Current / open credit lines:
| 10
/
10 | Length of status: | 3y 4m |
|
Amount delinquent:
| $0 |
Total credit lines:
| 12 |
Occupation: | Other |
|
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $13,388 | Stated income: | $75,000-$99,999 |
|
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 26% | | |
| | |
Homeownership:
| No | | |
|
Screen name:
| penny-kin7 |
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
Starting new Business
No description is available.
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
548501
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
|
Amount:
| $3,000.00 |
Prosper Rating:
| HR |
Listing Duration:
| 14 days
|
|
Minimum Amount to Fund:
| $2,100 |
Estimated loss*:
| 16.50% | | |
|
Term:
| 36 months | | | | |
|
|
Lender yield:
| 30.27% |
Borrower rate/APR:
| 31.27% / 35.28% |
Monthly payment:
| $129.45 |
| |
|
Lender servicing fee:
| 1.00% |
Effective Yield*:
| 28.50% | | |
| |
Estimated return*:
| 12.00% | | |
* 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):
| 4 |
First credit line:
| Aug-1987 |
Debt/Income ratio:
| 10% |
|
Credit score:
| 680-699 (Jan-2012) |
Inquiries last 6m:
| 1 | Employment status: | Employed |
|
Now delinquent:
| 2 |
Current / open credit lines:
| 4
/
4 | Length of status: | 9y 0m |
|
Amount delinquent:
| $6,449 |
Total credit lines:
| 17 |
Occupation: | Nurse's Aide |
|
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $25,162 | Stated income: | $50,000-$74,999 |
|
Delinquencies in last 7y:
| 13 |
Bankcard utilization:
| 0% | | |
| | |
Homeownership:
| Yes | | |
|
Screen name:
| forceful-diversification771 |
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
insolating my house , windows
No description is available.
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
541560
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:
| 15.21% |
Borrower rate/APR:
| 16.21% / 19.11% |
Monthly payment:
| $176.30 |
| |
|
Lender servicing fee:
| 1.00% |
Effective Yield*:
| 14.95% | | |
| |
Estimated return*:
| 9.00% | | |
* 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):
| 8 |
First credit line:
| Dec-2005 |
Debt/Income ratio:
| 13% |
|
Credit score:
| 760-779 (Jan-2012) |
Inquiries last 6m:
| 1 | Employment status: | Employed |
|
Now delinquent:
| 0 |
Current / open credit lines:
| 5
/
4 | Length of status: | 0y 7m |
|
Amount delinquent:
| $0 |
Total credit lines:
| 24 |
Occupation: | Food Service Manage... |
|
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $1,157 | Stated income: | $25,000-$49,999 |
|
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 6% | | |
| | |
Homeownership:
| No | | |
|
Screen name:
| deal-chihuahua |
Borrower's state:
| Louisiana |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Description
To finance a new car
Purpose of loan:
This loan will be used to buy a new vehicle. I am selling my used vehicle right now and would like to combine the money from my used car with a loan to purchase a new vehicle.
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
543782
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
|
Amount:
| $10,000.00 |
Prosper Rating:
| D |
Listing Duration:
| 14 days
|
|
Minimum Amount to Fund:
| $7,000 |
Estimated loss*:
| 11.20% | | |
|
Term:
| 60 months | | | | |
|
|
Lender yield:
| 29.27% |
Borrower rate/APR:
| 30.27% / 32.99% |
Monthly payment:
| $325.19 |
| |
|
Lender servicing fee:
| 1.00% |
Effective Yield*:
| 28.53% | | |
| |
Estimated return*:
| 17.33% | | |
* 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:
| Aug-2002 |
Debt/Income ratio:
| 12% |
|
Credit score:
| 640-659 (Dec-2011) |
Inquiries last 6m:
| 2 | Employment status: | Employed |
|
Now delinquent:
| 0 |
Current / open credit lines:
| 6
/
6 | Length of status: | 4y 6m |
|
Amount delinquent:
| $0 |
Total credit lines:
| 12 |
Occupation: | Accountant/CPA |
|
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $9,607 | Stated income: | $50,000-$74,999 |
|
Delinquencies in last 7y:
| 7 |
Bankcard utilization:
| 69% | | |
| | |
Homeownership:
| No | | |
|
Screen name:
| balance-birdie |
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
Looking for one affordable payment
Purpose of loan: Consolidate Debt into one affordable payment
This loan will be used to pay off high interest balances and consolidate into one affordable monthly payment
My financial situation: I am not behind on payments currently but run the risk of falling behind soon. I made the mistake of paying to many bills on credit and I am now looking for help.
I am a good candidate for this loan because I have a steady, stable job, consistant payments since college, and a desire to work my way out of this situation.
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
546094
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
|
Amount:
| $12,500.00 |
Prosper Rating:
| A |
Listing Duration:
| 14 days
|
|
Minimum Amount to Fund:
| $8,750 |
Estimated loss*:
| 3.80% | | |
|
Term:
| 36 months | | | | |
|
|
Lender yield:
| 10.54% |
Borrower rate/APR:
| 11.54% / 14.36% |
Monthly payment:
| $412.44 |
| |
|
Lender servicing fee:
| 1.00% |
Effective Yield*:
| 10.51% | | |
| |
Estimated return*:
| 6.71% | | |
* 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:
| Nov-1999 |
Debt/Income ratio:
| 17% |
|
Credit score:
| 800-819 (Dec-2011) |
Inquiries last 6m:
| 0 | Employment status: | Employed |
|
Now delinquent:
| 0 |
Current / open credit lines:
| 7
/
6 | Length of status: | 3y 7m |
|
Amount delinquent:
| $0 |
Total credit lines:
| 23 |
Occupation: | Medical Technician |
|
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $11,543 | Stated income: | $75,000-$99,999 |
|
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 50% | | |
| | |
Homeownership:
| Yes | | |
|
Screen name:
| new-investment-daydream |
Borrower's state:
| California |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Description
Debt Consolidation
Purpose of loan: The purpose of this loan is debt consolidation
This loan will be used to pay off my credit cards at a better interest rate with no added fees
My financial situation: Total household income is $160,000.00 Current debt is a mortgage, student loans and credit cards.
I am a good candidate for this loan because I have a good credit history and no problem making payments.
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
546666
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
|
Amount:
| $2,000.00 |
Prosper Rating:
| D |
Listing Duration:
| 14 days
|
|
Minimum Amount to Fund:
| $2,000 |
Estimated loss*:
| 10.70% | | |
|
Term:
| 12 months | | | | |
|
|
Lender yield:
| 18.00% |
Borrower rate/APR:
| 19.00% / 28.92% |
Monthly payment:
| $184.31 |
| |
|
Lender servicing fee:
| 1.00% |
Effective Yield*:
| 17.58% | | |
| |
Estimated return*:
| 6.88% | | |
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
|
Prosper score (1-10):
| 7 |
First credit line:
| Nov-1998 |
Debt/Income ratio:
| 20% |
|
Credit score:
| 640-659 (Dec-2011) |
Inquiries last 6m:
| 0 | Employment status: | Employed |
|
Now delinquent:
| 0 |
Current / open credit lines:
| 4
/
4 | Length of status: | 8y 2m |
|
Amount delinquent:
| $0 |
Total credit lines:
| 17 |
Occupation: | Food Service |
|
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $4,401 | Stated income: | $25,000-$49,999 |
|
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 97% | | |
| | |
Homeownership:
| No | | |
|
Screen name:
| funds-warrior |
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
auto repair
Purpose of loan:
This loan will be used to...
to fix my auto mobile
My financial situation:
I am a good candidate for this loan because...
i have maintained my job for over 8 yrs never miss work and always pay on time and pay what is needed!!
Monthly net income: $1760
Monthly expenses: $ 589 total
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
547674
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
|
Amount:
| $2,000.00 |
Prosper Rating:
| B |
Listing Duration:
| 14 days
|
|
Minimum Amount to Fund:
| $2,000 |
Estimated loss*:
| 5.95% | | |
|
Term:
| 36 months | | | | |
|
|
Lender yield:
| 15.21% |
Borrower rate/APR:
| 16.21% / 19.11% |
Monthly payment:
| $70.52 |
| |
|
Lender servicing fee:
| 1.00% |
Effective Yield*:
| 14.95% | | |
| |
Estimated return*:
| 9.00% | | |
* 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):
| 8 |
First credit line:
| Nov-2004 |
Debt/Income ratio:
| 20% |
|
Credit score:
| 680-699 (Dec-2011) |
Inquiries last 6m:
| 0 | Employment status: | Employed |
|
Now delinquent:
| 1 |
Current / open credit lines:
| 14
/
14 | Length of status: | 4y 8m |
|
Amount delinquent:
| $700 |
Total credit lines:
| 25 |
Occupation: | Accountant/CPA |
|
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $3,508 | Stated income: | $25,000-$49,999 |
|
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 63% | | |
| | |
Homeownership:
| No | | |
|
Screen name:
| best-funds-gargantuan |
Borrower's state:
| Illinois |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Description
Funding for Engagement Ring
Purpose of loan: I am in need of partial funding of and engagement ring
I am in the process of purchasing an engagement ring and looking for some funding.
My financial situation:
I am a good candidate for this loan because I have always made every payment on time. I work hard and make sure to keep my credit in good standings. The ring I am purchasing has a cost near $5,000, I am looking for $2,000.
Monthly net income: $2,700
Monthly expenses: $ 1,500
Housing: $650
Insurance: $150
Car expenses: $519
Utilities: $20
Phone, cable, internet: $30
Food, entertainment: $
Clothing, household expenses: $
Credit cards and other loans: $131.
Other expenses: $
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
547996
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*:
| 14.05% | | |
|
Term:
| 12 months | | | | |
|
|
Lender yield:
| 24.76% |
Borrower rate/APR:
| 25.76% / 35.84% |
Monthly payment:
| $381.65 |
| |
|
Lender servicing fee:
| 1.00% |
Effective Yield*:
| 23.64% | | |
| |
Estimated return*:
| 9.59% | | |
* 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-1994 |
Debt/Income ratio:
| 27% |
|
Credit score:
| 640-659 (Jan-2012) |
Inquiries last 6m:
| 2 | Employment status: | Employed |
|
Now delinquent:
| 1 |
Current / open credit lines:
| 6
/
3 | Length of status: | 12y 11m |
|
Amount delinquent:
| $25 |
Total credit lines:
| 14 |
Occupation: | Retail Management |
|
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $115 | Stated income: | $25,000-$49,999 |
|
Delinquencies in last 7y:
| 2 |
Bankcard utilization:
| 16% | | |
| | |
Homeownership:
| No | | |
|
Screen name:
| workinggirl1 |
Borrower's state:
| Alabama |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
| Loan history | Payment history | Credit score history |
|
Active / total loans:
| 1 / 2 |
On-time:
| 57 ( 98% )
| 640-659 (Latest)
|
|
Principal borrowed:
| $19,800.00 | < 31 days late:
| 1
( 2% )
| 660-679
(Jan-2010)
660-679
(Oct-2007)
|
|
Principal balance:
| $3,616.90 |
31+ days late:
| 0
( 0% )
|
|
Total payments billed:
| 58 | | |
Description
new baby remodel
No description is available.
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
548020
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:
| 24.11% |
Borrower rate/APR:
| 25.11% / 28.97% |
Monthly payment:
| $398.18 |
| |
|
Lender servicing fee:
| 1.00% |
Effective Yield*:
| 23.52% | | |
| |
Estimated return*:
| 12.32% | | |
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
|
Prosper score (1-10):
| 7 |
First credit line:
| Jul-1985 |
Debt/Income ratio:
| 15% |
|
Credit score:
| 680-699 (Jan-2012) |
Inquiries last 6m:
| 0 | Employment status: | Employed |
|
Now delinquent:
| 1 |
Current / open credit lines:
| 9
/
9 | Length of status: | 19y 0m |
|
Amount delinquent:
| $907 |
Total credit lines:
| 18 |
Occupation: | Executive |
|
Public records last 12m / 10y:
| 1/ 1 |
Revolving credit balance:
| $2,210 | Stated income: | $100,000+ |
|
Delinquencies in last 7y:
| 4 |
Bankcard utilization:
| 46% | | |
| | |
Homeownership:
| Yes | | |
|
Screen name:
| dinero-comet8 |
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
Business expansion - inventory/ads
Purpose of loan:
This loan will be used to expand my business, the Arizona Popular Culture Museum and gift shop the Arizona Popular Culture Experience through the addition of new inventory and local advertising, as well as revamping our website.
My financial situation:
I am a good candidate for this loan because we accept credit cards, have an internet presence and steady customers, as well as being located in a large mall in Phoenix, thereby guaranteeing traffic.
Monthly net income: $10,000
Monthly expenses: $6,500
Housing: $1960
Insurance: $248
Car expenses: $800
Utilities: $400
Phone, cable, internet: $500
Food, entertainment: $600
Clothing, household expenses: $600
Credit cards and other loans: $400 daughter's college loan
Other expenses: $992
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
548106
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
|
Amount:
| $6,500.00 |
Prosper Rating:
| B |
Listing Duration:
| 14 days
|
|
Minimum Amount to Fund:
| $4,550 |
Estimated loss*:
| 5.20% | | |
|
Term:
| 60 months | | | | |
|
|
Lender yield:
| 19.05% |
Borrower rate/APR:
| 20.05% / 21.99% |
Monthly payment:
| $172.39 |
| |
|
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:
| May-2005 |
Debt/Income ratio:
| Not calculated |
|
Credit score:
| 680-699 (Jan-2012) |
Inquiries last 6m:
| 0 | Employment status: | Employed |
|
Now delinquent:
| 0 |
Current / open credit lines:
| 22
/
22 | Length of status: | 2y 7m |
|
Amount delinquent:
| $0 |
Total credit lines:
| 31 |
Occupation: | Accountant/CPA |
|
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $4,213 | Stated income: | $50,000-$74,999 |
|
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 50% | | |
| | |
Homeownership:
| No | | |
|
Screen name:
| tenacious-auction8 |
Borrower's state:
| Ohio |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
| Loan history | Payment history | Credit score history |
|
Active / total loans:
| 1 / 1 |
On-time:
| 7 ( 100% )
| 680-699 (Latest)
|
|
Principal borrowed:
| $4,500.00 | < 31 days late:
| 0
( 0% )
| 720-739
(May-2011)
|
|
Principal balance:
| $3,877.51 |
31+ days late:
| 0
( 0% )
|
|
Total payments billed:
| 7 | | |
Description
Additional debt consolidation
Purpose of loan:
This loan will be used to consolidate debt.
My financial situation:
I am a good candidate for this loan because of my knowledge of finances, my credit rating and minimum non essential cash outflows. I have selected to pay my loan off over the next 5 years but I will immediately begin making additional loan payments with the intention of paying this loan off within significantly less time. I have both a Bachelors and Masters degree in accounting from nationally ranked institution as well as a very secure job with Ernst and Young LLP as an auditor. Additionally, I currently have more 3x the full amount of the loan saved in my saving account, 401k and other various investments.
Monthly net income: $ 3100
Monthly expenses: $
Housing: $ 200
Car expenses: $ 200
Utilities: $ 50
Phone, cable, internet: $ 100
Food, entertainment: $ 150
Clothing, household expenses: $ 50
Credit cards and other loans: $ 200
Other expenses: $ 200
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
548110
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
|
Amount:
| $8,000.00 |
Prosper Rating:
| B |
Listing Duration:
| 14 days
|
|
Minimum Amount to Fund:
| $5,600 |
Estimated loss*:
| 5.95% | | |
|
Term:
| 36 months | | | | |
|
|
Lender yield:
| 15.21% |
Borrower rate/APR:
| 16.21% / 19.11% |
Monthly payment:
| $282.09 |
| |
|
Lender servicing fee:
| 1.00% |
Effective Yield*:
| 14.95% | | |
| |
Estimated return*:
| 9.00% | | |
* 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):
| 8 |
First credit line:
| Sep-2008 |
Debt/Income ratio:
| 20% |
|
Credit score:
| 720-739 (Jan-2012) |
Inquiries last 6m:
| 0 | Employment status: | Employed |
|
Now delinquent:
| 0 |
Current / open credit lines:
| 6
/
6 | Length of status: | 1y 4m |
|
Amount delinquent:
| $0 |
Total credit lines:
| 10 |
Occupation: | Sales - Retail |
|
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $1,948 | Stated income: | $25,000-$49,999 |
|
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 24% | | |
| | |
Homeownership:
| No | | |
|
Screen name:
| brightest-wonderous-velocity |
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
RLP Debt free 2
Purpose of loan:
This loan will be used to pay student loans and bills
My financial situation:
I am a good candidate for this loan because I have a good credit score and I always make my payments early. This loan would be a blessing for me to clear my debts for this year. I want to be debt free and build my credit even more.
Monthly net income: $1200
Monthly expenses: $350
Housing: $0
Insurance: $0
Car expenses: $400
Utilities: $0
Phone, cable, internet: $100
Food, entertainment: $200
Clothing, household expenses: $0
Credit cards and other loans: $6000
Other expenses: $0
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
548134
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
|
Amount:
| $7,500.00 |
Prosper Rating:
| D |
Listing Duration:
| 14 days
|
|
Minimum Amount to Fund:
| $5,250 |
Estimated loss*:
| 11.20% | | |
|
Term:
| 60 months | | | | |
|
|
Lender yield:
| 29.27% |
Borrower rate/APR:
| 30.27% / 32.99% |
Monthly payment:
| $243.90 |
| |
|
Lender servicing fee:
| 1.00% |
Effective Yield*:
| 28.53% | | |
| |
Estimated return*:
| 17.33% | | |
* 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-1997 |
Debt/Income ratio:
| 35% |
|
Credit score:
| 700-719 (Jan-2012) |
Inquiries last 6m:
| 2 | Employment status: | Employed |
|
Now delinquent:
| 0 |
Current / open credit lines:
| 14
/
12 | Length of status: | 9y 6m |
|
Amount delinquent:
| $0 |
Total credit lines:
| 27 |
Occupation: | Engineer - Electric... |
|
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $23,343 | Stated income: | $100,000+ |
|
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 55% | | |
| | |
Homeownership:
| No | | |
|
Screen name:
| power-bigwig5 |
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
My loan for home improvement
Purpose of loan:
My financial situation:
This loan will be used to... fix roof, complete basement work
My financial situation:
I am a good candidate for this loan because... i have a good credit score . I have always paid my bills in a timely fashion and i setup most of my payments using the auto payment options that way i always pay on time. I have never defaulted on any loans including my college loans.
Monthly net income: $4875 (Excluding Bonuses)
Monthly expenses: $
Housing: $1000
Insurance: $120
Car expenses: $400
Utilities: $110
Phone, cable, internet: $80
Food, entertainment: $200
Clothing, household expenses: $N/A
Credit cards and other loans: $950
Other expenses: $N/A
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
548182
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
|
Amount:
| $7,000.00 |
Prosper Rating:
| B |
Listing Duration:
| 14 days
|
|
Minimum Amount to Fund:
| $4,900 |
Estimated loss*:
| 5.20% | | |
|
Term:
| 36 months | | | | |
|
|
Lender yield:
| 14.59% |
Borrower rate/APR:
| 15.59% / 18.48% |
Monthly payment:
| $244.68 |
| |
|
Lender servicing fee:
| 1.00% |
Effective Yield*:
| 14.34% | | |
| |
Estimated return*:
| 9.14% | | |
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
|
Prosper score (1-10):
| 6 |
First credit line:
| May-2001 |
Debt/Income ratio:
| 18% |
|
Credit score:
| 640-659 (Jan-2012) |
Inquiries last 6m:
| 3 | Employment status: | Employed |
|
Now delinquent:
| 0 |
Current / open credit lines:
| 8
/
6 | Length of status: | 0y 7m |
|
Amount delinquent:
| $0 |
Total credit lines:
| 20 |
Occupation: | Sales - Retail |
|
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $10,226 | Stated income: | $50,000-$74,999 |
|
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 68% | | |
| | |
Homeownership:
| No | | |
|
Screen name:
| Daluca |
Borrower's state:
| Georgia |
Borrower's group:
| EMS, FIRE, POLICE, MILITARY |
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:
| 26 ( 100% )
| 640-659 (Latest)
|
|
Principal borrowed:
| $5,000.00 | < 31 days late:
| 0
( 0% )
| 660-679
(Jan-2011)
640-659
(Jul-2007)
|
|
Principal balance:
| $0.00 |
31+ days late:
| 0
( 0% )
|
|
Total payments billed:
| 26 | | |
Description
Consolidate debt!
Purpose: To consolidate medical debt.
I have medical insurance but this consolidates the copays&procedures that are on CCs due to a seizure (you'll note the high utilization of credit!). This involved an ambulance & 3 days in ICU. A medication lowered my seizure threshold&caused it. Official diagnosis is a one time occurrence. That?s great news, I am just left paying it off!
Finances:
I?m a good candidate for this loan because I am employed full-time with Pepsi Beverages Co. as a merch mgr since June ?11. I make a set salary & paid mileage that averages $600/month. Prior to PBC, I was employed with the same company for over six years.
Monthly net income:$3,000 (after taxes & 401k deducted)
Monthly expenses:$2,150
Rent:$810
Insurance:$65 full coverage
Car expenses:$300
Utilities:$40
Phone, cable, internet:$35
Food/entertainment:$300
Clothing/household expenses:$100
Credit cards&other loans:$500 (AMEX/BOA CC/Store CC/2 student loans)
Other expenses:None
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
548196
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:
| D |
Listing Duration:
| 14 days
|
|
Minimum Amount to Fund:
| $2,450 |
Estimated loss*:
| 11.20% | | |
|
Term:
| 36 months | | | | |
|
|
Lender yield:
| 24.11% |
Borrower rate/APR:
| 25.11% / 28.97% |
Monthly payment:
| $139.36 |
| |
|
Lender servicing fee:
| 1.00% |
Effective Yield*:
| 23.52% | | |
| |
Estimated return*:
| 12.32% | | |
* 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-1999 |
Debt/Income ratio:
| 8% |
|
Credit score:
| 640-659 (Jan-2012) |
Inquiries last 6m:
| 5 | Employment status: | Employed |
|
Now delinquent:
| 2 |
Current / open credit lines:
| 7
/
6 | Length of status: | 0y 9m |
|
Amount delinquent:
| $2,084 |
Total credit lines:
| 21 |
Occupation: | Computer Programmer |
|
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $2,949 | Stated income: | $50,000-$74,999 |
|
Delinquencies in last 7y:
| 22 |
Bankcard utilization:
| 13% | | |
| | |
Homeownership:
| No | | |
|
Screen name:
| chooser249 |
Borrower's state:
| Illinois |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Description
College Debt Payoff
Purpose of loan:
This loan will be used to...
I'm paying off the rest of my debt from college. I made a series of poor decisions and am still dealing with the consequences since I still have outstanding, high cost debt.
My financial situation:
I am a good candidate for this loan because...
Since finishing college I've been employed for 3 years without gap. I've paid all my bills since that time regularly every month without being late over the last 2-3 years, I just need to pay off the old debt that is still sitting over my head. I've held auto loans, student loans and low limit credit cards and not been late on any payments during that time period.
Monthly net income: $3,000-4,000
Monthly expenses: $2000
Housing: $487.50
Insurance: $50.00
Car expenses: $0.00
Utilities: $70
Phone, cable, internet: $200
Food, entertainment: $400
Clothing, household expenses: $150
Credit cards and other loans: $400
Other expenses: $242.50
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
548202
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:
| 15.21% |
Borrower rate/APR:
| 16.21% / 19.11% |
Monthly payment:
| $176.30 |
| |
|
Lender servicing fee:
| 1.00% |
Effective Yield*:
| 14.95% | | |
| |
Estimated return*:
| 9.00% | | |
* 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):
| 8 |
First credit line:
| Oct-1995 |
Debt/Income ratio:
| 9% |
|
Credit score:
| 700-719 (Jan-2012) |
Inquiries last 6m:
| 3 | Employment status: | Employed |
|
Now delinquent:
| 0 |
Current / open credit lines:
| 8
/
8 | Length of status: | 5y 4m |
|
Amount delinquent:
| $0 |
Total credit lines:
| 13 |
Occupation: | Other |
|
Public records last 12m / 10y:
| 0/ 1 |
Revolving credit balance:
| $1,565 | Stated income: | $75,000-$99,999 |
|
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 27% | | |
| | |
Homeownership:
| No | | |
|
Screen name:
| fearless-dime6 |
Borrower's state:
| Washington |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Description
joy home terminal cancer
Purpose of loan:
This loan will be used to...to take my wife home to pass
My financial situation:
I am a good candidate for this loan because...
Monthly net income: $6000
Monthly expenses: $3000
Housing: $1200
Insurance: $200
Car expenses: $225
Utilities: $300
Phone, cable, internet: $300
Food, entertainment: $300
Clothing, household expenses: $100
Credit cards and other loans: $0
Other expenses: $
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
548214
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:
| 30.27% |
Borrower rate/APR:
| 31.27% / 35.28% |
Monthly payment:
| $86.30 |
| |
|
Lender servicing fee:
| 1.00% |
Effective Yield*:
| 28.50% | | |
| |
Estimated return*:
| 12.00% | | |
* 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-2005 |
Debt/Income ratio:
| 27% |
|
Credit score:
| 720-739 (Jan-2012) |
Inquiries last 6m:
| 0 | Employment status: | Other |
|
Now delinquent:
| 2 |
Current / open credit lines:
| 3
/
3 | Length of status: | 6y 8m |
|
Amount delinquent:
| $510 |
Total credit lines:
| 12 |
Occupation: | Other |
|
Public records last 12m / 10y:
| 0/ 1 |
Revolving credit balance:
| $0 | Stated income: | $25,000-$49,999 |
|
Delinquencies in last 7y:
| 1 |
Bankcard utilization:
| 0% | | |
| | |
Homeownership:
| Yes | | |
|
Screen name:
| green-terrific-note |
Borrower's state:
| Oklahoma |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Description
car repair
Purpose of loan:
This loan will be used to...
Repair my vehicle
My financial situation:
I am a good candidate for this loan because...I am a disabled vetran recieveing a disability check every month as well as a full time student recieving pay from the Va to attend school to obtain a high demand degree
Monthly net income: $2200
Monthly expenses: $
Housing: $800
Insurance: $110
Car expenses: $430
Utilities: $300
Phone, cable, internet: $
Food, entertainment: $ 100
Clothing, household expenses: $
Credit cards and other loans: $0
Other expenses: $ 0
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
548254
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
|
Amount:
| $9,500.00 |
Prosper Rating:
| A |
Listing Duration:
| 14 days
|
|
Minimum Amount to Fund:
| $6,650 |
Estimated loss*:
| 3.80% | | |
|
Term:
| 36 months | | | | |
|
|
Lender yield:
| 10.54% |
Borrower rate/APR:
| 11.54% / 14.36% |
Monthly payment:
| $313.45 |
| |
|
Lender servicing fee:
| 1.00% |
Effective Yield*:
| 10.51% | | |
| |
Estimated return*:
| 6.71% | | |
* 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:
| Jan-1984 |
Debt/Income ratio:
| 21% |
|
Credit score:
| 720-739 (Jan-2012) |
Inquiries last 6m:
| 0 | Employment status: | Employed |
|
Now delinquent:
| 0 |
Current / open credit lines:
| 15
/
15 | Length of status: | 15y 7m |
|
Amount delinquent:
| $0 |
Total credit lines:
| 26 |
Occupation: | Postal Service |
|
Public records last 12m / 10y:
| 0/ 4 |
Revolving credit balance:
| $14,603 | Stated income: | $50,000-$74,999 |
|
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 50% | | |
| | |
Homeownership:
| No | | |
|
Screen name:
| interest-sushi8 |
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
Debt Consulidation
Purpose of loan:
This loan will be used to..pay off all of my credit card debts. Also, to pay my city income tax for the remainder of the 2011 year. And, to pay my school tax for the fiscal year 2011.
My financial situation:
I am a good candidate for this loan because, I am a deligent worker. My credit cards are all up to date as of this loan request. My employment with the USPS outstanding. I love my job and the responsibilites that are entrusted to myself. My request for this loan is to consulidate all my payments into one payment. I work all of the overtime that my employer will allow. At times, it is not enough. I work hard and I go to work.
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
548290
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*:
| 13.85% | | |
|
Term:
| 12 months | | | | |
|
|
Lender yield:
| 24.76% |
Borrower rate/APR:
| 25.76% / 35.84% |
Monthly payment:
| $381.65 |
| |
|
Lender servicing fee:
| 1.00% |
Effective Yield*:
| 23.64% | | |
| |
Estimated return*:
| 9.79% | | |
* 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:
| Aug-1981 |
Debt/Income ratio:
| Self-employed (DTI Not Calculated) |
|
Credit score:
| 800-819 (Jan-2012) |
Inquiries last 6m:
| 2 | Employment status: | Self-employed |
|
Now delinquent:
| 0 |
Current / open credit lines:
| 9
/
9 | Length of status: | 16y 6m |
|
Amount delinquent:
| $0 |
Total credit lines:
| 16 |
Occupation: | Other |
|
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $15,689 | Stated income: | $100,000+ |
|
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 48% | | |
| | |
Homeownership:
| Yes | | |
|
Screen name:
| dogguy1 |
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
Reduce Debt
Purpose of loan:
This loan will be used to..pay off a credit card.
My financial situation:
I am a good candidate for this loan because...I have a great credit rating. I've own my house. I used my credit card to expand my business and I would like to pay it off asap.
Monthly net income: $12,000.
Monthly expenses: $
Housing: $2,300.
Insurance: $300.
Car expenses: $600.
Utilities: $300.
Phone, cable, internet: $400.
Food, entertainment: $1,100.
Clothing, household expenses: $200.
Credit cards and other loans: $800.
Other expenses: $450.
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
548314
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
|
Amount:
| $2,000.00 |
Prosper Rating:
| E |
Listing Duration:
| 14 days
|
|
Minimum Amount to Fund:
| $2,000 |
Estimated loss*:
| 14.70% | | |
|
Term:
| 36 months | | | | |
|
|
Lender yield:
| 29.58% |
Borrower rate/APR:
| 30.58% / 34.58% |
Monthly payment:
| $85.54 |
| |
|
Lender servicing fee:
| 1.00% |
Effective Yield*:
| 28.22% | | |
| |
Estimated return*:
| 13.52% | | |
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
|
Prosper score (1-10):
| 4 |
First credit line:
| Feb-2001 |
Debt/Income ratio:
| Self-employed (DTI Not Calculated) |
|
Credit score:
| 700-719 (Jan-2012) |
Inquiries last 6m:
| 0 | Employment status: | Self-employed |
|
Now delinquent:
| 0 |
Current / open credit lines:
| 4
/
3 | Length of status: | 26y 7m |
|
Amount delinquent:
| $0 |
Total credit lines:
| 33 |
Occupation: | Professional |
|
Public records last 12m / 10y:
| 0/ 1 |
Revolving credit balance:
| $2,108 | Stated income: | $25,000-$49,999 |
|
Delinquencies in last 7y:
| 23 |
Bankcard utilization:
| 33% | | |
| | |
Homeownership:
| No | | |
|
Screen name:
| bid-commando0 |
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
home improvement
Purpose of loan:
This loan will be used to...
My financial situation:
I am a good candidate for this loan because...
Monthly net income: $ 6000.00
Monthly expenses: $2500.
Housing: $400
Insurance: $50.
Car expenses: $
Utilities: $50.
Phone, cable, internet: $
Food, entertainment: $100
Clothing, household expenses: $
Credit cards and other loans: $
Other expenses: $
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
548324
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:
| B |
Listing Duration:
| 14 days
|
|
Minimum Amount to Fund:
| $2,100 |
Estimated loss*:
| 5.95% | | |
|
Term:
| 36 months | | | | |
|
|
Lender yield:
| 15.21% |
Borrower rate/APR:
| 16.21% / 19.11% |
Monthly payment:
| $105.78 |
| |
|
Lender servicing fee:
| 1.00% |
Effective Yield*:
| 14.95% | | |
| |
Estimated return*:
| 9.00% | | |
* 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):
| 8 |
First credit line:
| Jan-1972 |
Debt/Income ratio:
| 71% |
|
Credit score:
| 700-719 (Jan-2012) |
Inquiries last 6m:
| 0 | Employment status: | Employed |
|
Now delinquent:
| 0 |
Current / open credit lines:
| 13
/
13 | Length of status: | 2y 5m |
|
Amount delinquent:
| $0 |
Total credit lines:
| 44 |
Occupation: | Professor |
|
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $51,653 | Stated income: | $25,000-$49,999 |
|
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 65% | | |
| | |
Homeownership:
| No | | |
|
Screen name:
| illinois_small_business |
Borrower's state:
| Illinois |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Description
business in need of small loan
Purpose of loan:
Recently, in the state of Illinois, tobacco shops have been forced to remove herbal incense products from their shelves. Herbal incense had previously constituted a major source of revenue for these businesses. Presently, Illinois tabacco shop operators are looking new products whose sales compensate for the loss of herbal incense revenues. I plan on offering these retailors an organic wood treatment for smoking pipes that helps to protect against the effects of aging.
My financial situation:
I am a PhD in sociology who is presently employed as a college instructor. This small loan will pose no difficulty to pay back.
Monthly net income: 2,250
Monthly expenses: $0
Housing: $0
Insurance: $0
Car expenses: $0
Utilities: $0
Phone, cable, internet: $0
Food, entertainment: $0
Clothing, household expenses: $0
Credit cards and other loans:
Other expenses: $
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
548338
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
|
Amount:
| $5,000.00 |
Prosper Rating:
| D |
Listing Duration:
| 14 days
|
|
Minimum Amount to Fund:
| $3,500 |
Estimated loss*:
| 11.20% | | |
|
Term:
| 36 months | | | | |
|
|
Lender yield:
| 24.11% |
Borrower rate/APR:
| 25.11% / 28.97% |
Monthly payment:
| $199.09 |
| |
|
Lender servicing fee:
| 1.00% |
Effective Yield*:
| 23.52% | | |
| |
Estimated return*:
| 12.32% | | |
* 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-1979 |
Debt/Income ratio:
| Not calculated |
|
Credit score:
| 720-739 (Jan-2012) |
Inquiries last 6m:
| 2 | Employment status: | Employed |
|
Now delinquent:
| 0 |
Current / open credit lines:
| 14
/
13 | Length of status: | 2y 5m |
|
Amount delinquent:
| $0 |
Total credit lines:
| 36 |
Occupation: | Homemaker |
|
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $29,637 | Stated income: | $100,000+ |
|
Delinquencies in last 7y:
| 4 |
Bankcard utilization:
| 49% | | |
| | |
Homeownership:
| Yes | | |
|
Screen name:
| velocity-carrier3 |
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
Home Improvement Loan
No description is available.
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
548350
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
|
Amount:
| $10,000.00 |
Prosper Rating:
| D |
Listing Duration:
| 14 days
|
|
Minimum Amount to Fund:
| $7,000 |
Estimated loss*:
| 11.20% | | |
|
Term:
| 60 months | | | | |
|
|
Lender yield:
| 29.27% |
Borrower rate/APR:
| 30.27% / 32.99% |
Monthly payment:
| $325.19 |
| |
|
Lender servicing fee:
| 1.00% |
Effective Yield*:
| 28.53% | | |
| |
Estimated return*:
| 17.33% | | |
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
|
Prosper score (1-10):
| 6 |
First credit line:
| May-2000 |
Debt/Income ratio:
| 6% |
|
Credit score:
| 680-699 (Jan-2012) |
Inquiries last 6m:
| 11 | Employment status: | Employed |
|
Now delinquent:
| 0 |
Current / open credit lines:
| 10
/
9 | Length of status: | 19y 4m |
|
Amount delinquent:
| $0 |
Total credit lines:
| 26 |
Occupation: | Other |
|
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $2,821 | Stated income: | $75,000-$99,999 |
|
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 5% | | |
| | |
Homeownership:
| No | | |
|
Screen name:
| friendly-diversification4 |
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
No description is available.
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
548376
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:
| 30.27% |
Borrower rate/APR:
| 31.27% / 35.28% |
Monthly payment:
| $86.30 |
| |
|
Lender servicing fee:
| 1.00% |
Effective Yield*:
| 28.50% | | |
| |
Estimated return*:
| 12.00% | | |
* 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):
| 2 |
First credit line:
| Apr-1995 |
Debt/Income ratio:
| 18% |
|
Credit score:
| 700-719 (Jan-2012) |
Inquiries last 6m:
| 5 | Employment status: | Employed |
|
Now delinquent:
| 0 |
Current / open credit lines:
| 5
/
5 | Length of status: | 17y 10m |
|
Amount delinquent:
| $0 |
Total credit lines:
| 7 |
Occupation: | Laborer |
|
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $2,125 | Stated income: | $25,000-$49,999 |
|
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 98% | | |
| | |
Homeownership:
| Yes | | |
|
Screen name:
| orange-mindful-wampum |
Borrower's state:
| Colorado |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Description
Auto Repairs
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: $
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
548384
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
|
Amount:
| $5,000.00 |
Prosper Rating:
| D |
Listing Duration:
| 14 days
|
|
Minimum Amount to Fund:
| $3,500 |
Estimated loss*:
| 10.50% | | |
|
Term:
| 60 months | | | | |
|
|
Lender yield:
| 25.87% |
Borrower rate/APR:
| 26.87% / 29.49% |
Monthly payment:
| $152.29 |
| |
|
Lender servicing fee:
| 1.00% |
Effective Yield*:
| 25.23% | | |
| |
Estimated return*:
| 14.73% | | |
* 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-2006 |
Debt/Income ratio:
| 36% |
|
Credit score:
| 620-639 (Jan-2012) |
Inquiries last 6m:
| 2 | Employment status: | Employed |
|
Now delinquent:
| 0 |
Current / open credit lines:
| 13
/
12 | Length of status: | 4y 3m |
|
Amount delinquent:
| $0 |
Total credit lines:
| 20 |
Occupation: | Tradesman - Mechani... |
|
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $13,221 | Stated income: | $25,000-$49,999 |
|
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 77% | | |
| | |
Homeownership:
| No | | |
|
Screen name:
| tonylyve |
Borrower's state:
| Kansas |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
| Loan history | Payment history | Credit score history |
|
Active / total loans:
| 1 / 2 |
On-time:
| 39 ( 100% )
| 620-639 (Latest)
|
|
Principal borrowed:
| $6,000.00 | < 31 days late:
| 0
( 0% )
| 640-659
(Dec-2010)
660-679
(Aug-2008)
|
|
Principal balance:
| $3,176.69 |
31+ days late:
| 0
( 0% )
|
|
Total payments billed:
| 39 | | |
Description
Debt Consolidation
Purpose of loan:
This loan will be used to... Pay off real high intrest rate loan I aquired by being naive.
My financial situation:
I am a good candidate for this loan because...I pay my bills, I'm honest and fair.
Monthly net income: $2233
Monthly expenses: $
Housing: $300
Insurance: $112
Car expenses: $120
Utilities: $75
Phone, cable, internet: $
Food, entertainment: $150
Clothing, household expenses: $
Credit cards and other loans: $215/180
Other expenses: $
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
548402
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
|
Amount:
| $25,000.00 |
Prosper Rating:
| A |
Listing Duration:
| 14 days
|
|
Minimum Amount to Fund:
| $25,000 |
Estimated loss*:
| 3.80% | | |
|
Term:
| 36 months | | | | |
|
|
Lender yield:
| 10.54% |
Borrower rate/APR:
| 11.54% / 14.36% |
Monthly payment:
| $824.88 |
| |
|
Lender servicing fee:
| 1.00% |
Effective Yield*:
| 10.51% | | |
| |
Estimated return*:
| 6.71% | | |
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
|
Prosper score (1-10):
| 9 |
First credit line:
| Jul-1996 |
Debt/Income ratio:
| 23% |
|
Credit score:
| 760-779 (Jan-2012) |
Inquiries last 6m:
| 0 | Employment status: | Employed |
|
Now delinquent:
| 0 |
Current / open credit lines:
| 26
/
25 | Length of status: | 7y 4m |
|
Amount delinquent:
| $0 |
Total credit lines:
| 64 |
Occupation: | Professional |
|
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $37,803 | Stated income: | $100,000+ |
|
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 53% | | |
| | |
Homeownership:
| Yes | | |
|
Screen name:
| CharlotteGuy30 |
Borrower's state:
| SouthCarolina |
Borrower's group:
| Our Values |
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
Consolidating Debts
Purpose of loan:
This loan will be used to consolidate outstanding debts into one payment for 3 years so that I pay off these debts faster and with a single/simple payment to one firm.
My financial situation:
I am a good candidate for this loan because I have stable employment and I am able to easy make this payment with current income. This payment will be lower than the prior payments so I would actually be able to pay more than the amount of this loan.
I have taken a loan with another peer-to-peer a few years ago. I paid that loan off within 1 year not the term of the loan (3 years). I am using Prosper for this loan as I am a member myself!
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
548406
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*:
| 13.85% | | |
|
Term:
| 12 months | | | | |
|
|
Lender yield:
| 24.76% |
Borrower rate/APR:
| 25.76% / 35.84% |
Monthly payment:
| $381.65 |
| |
|
Lender servicing fee:
| 1.00% |
Effective Yield*:
| 23.64% | | |
| |
Estimated return*:
| 9.79% | | |
* 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:
| May-1992 |
Debt/Income ratio:
| Self-employed (DTI Not Calculated) |
|
Credit score:
| 780-799 (Jan-2012) |
Inquiries last 6m:
| 3 | Employment status: | Self-employed |
|
Now delinquent:
| 0 |
Current / open credit lines:
| 11
/
8 | Length of status: | 2y 9m |
|
Amount delinquent:
| $0 |
Total credit lines:
| 25 |
Occupation: | Other |
|
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $24,206 | Stated income: | $50,000-$74,999 |
|
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 29% | | |
| | |
Homeownership:
| Yes | | |
|
Screen name:
| self-reliant-bid7 |
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
Business
Purpose of loan: Help with Debt
This loan will be used to...
Meet debt
My financial situation: Solid
I am a good candidate for this loan because...
Monthly net income: $ 35,000
Monthly expenses: $ 29,000
Housing: $ 1200
Insurance: $ 300
Car expenses: $350
Utilities: Phone, cable, internet: $280
Food, entertainment: $300
Clothing, household expenses: $100
Credit cards and other loans: $100
Other expenses: $
none
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
548412
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:
| 30.27% |
Borrower rate/APR:
| 31.27% / 35.28% |
Monthly payment:
| $172.60 |
| |
|
Lender servicing fee:
| 1.00% |
Effective Yield*:
| 28.50% | | |
| |
Estimated return*:
| 12.00% | | |
* 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:
| Jul-2005 |
Debt/Income ratio:
| Self-employed (DTI Not Calculated) |
|
Credit score:
| 680-699 (Jan-2012) |
Inquiries last 6m:
| 2 | Employment status: | Self-employed |
|
Now delinquent:
| 0 |
Current / open credit lines:
| 4
/
4 | Length of status: | 1y 4m |
|
Amount delinquent:
| $0 |
Total credit lines:
| 7 |
Occupation: | Investor |
|
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $12,495 | Stated income: | $50,000-$74,999 |
|
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 64% | | |
| | |
Homeownership:
| No | | |
|
Screen name:
| blazing-credit0 |
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
Mastery Coaching Program
Purpose of loan: Mastery Coaching Program for Real Estate Investors
I am applying and have been accepted to a Mastery coaching program for real estate investors. I am a young, budding, entrepreneur and this program lays the groundwork for future success in the real estate business.
My financial situation:
I am a good candidate for this loan because...
Although this site says my credit score is 692 according to the FreeCreditReport I just pulled my scores are 743, 762, and 762 which is considered excellent and I can send them to you if you want. Also I have enough cash right now to pay for the program (which is 15K) however ideally I would like to get part of it part through either a line of credit or loan. Additionally, I have a part time job on the weekends in real estate that gives my business extra cash every month. I can also provide you articles or links about my business that can show credibility.
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
548474
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:
| 24.11% |
Borrower rate/APR:
| 25.11% / 28.97% |
Monthly payment:
| $398.18 |
| |
|
Lender servicing fee:
| 1.00% |
Effective Yield*:
| 23.52% | | |
| |
Estimated return*:
| 12.32% | | |
* 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:
| Mar-1988 |
Debt/Income ratio:
| 49% |
|
Credit score:
| 720-739 (Jan-2012) |
Inquiries last 6m:
| 0 | Employment status: | Employed |
|
Now delinquent:
| 0 |
Current / open credit lines:
| 29
/
27 | Length of status: | 2y 0m |
|
Amount delinquent:
| $0 |
Total credit lines:
| 60 |
Occupation: | Police Officer/Corr... |
|
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $47,181 | Stated income: | $75,000-$99,999 |
|
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 80% | | |
| | |
Homeownership:
| Yes | | |
|
Screen name:
| robert201 |
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
taxes
Purpose of loan:
This loan will be used to...
My financial situation:
I am a good candidate for this loan because...
Monthly net income: $9,000
Monthly expenses: $
Housing: $2,000
Insurance: $200
Car expenses: $500
Utilities: $150
Phone, cable, internet: $200
Food, entertainment: $
Clothing, household expenses: $
Credit cards and other loans: $1000
Other expenses: $
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
548480
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:
| 24.11% |
Borrower rate/APR:
| 25.11% / 28.97% |
Monthly payment:
| $398.18 |
| |
|
Lender servicing fee:
| 1.00% |
Effective Yield*:
| 23.52% | | |
| |
Estimated return*:
| 12.32% | | |
* 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:
| 20% |
|
Credit score:
| 820-839 (Jan-2012) |
Inquiries last 6m:
| 1 | Employment status: | Employed |
|
Now delinquent:
| 0 |
Current / open credit lines:
| 6
/
4 | Length of status: | 8y 9m |
|
Amount delinquent:
| $0 |
Total credit lines:
| 15 |
Occupation: | Professional |
|
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $0 | Stated income: | $25,000-$49,999 |
|
Delinquencies in last 7y:
| 4 |
Bankcard utilization:
| 0% | | |
| | |
Homeownership:
| Yes | | |
|
Screen name:
| popcorn289 |
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
purchase power
Purpose of loan: help with buying
This loan will be used to...
My financial situation: Good
I am a good candidate for this loan because... I pay my bills on time and don't really have any bills
Monthly net income: $ 4800.00
Monthly expenses: $1000.00
Housing: $
Insurance: $
Car expenses: $300.00
Utilities: $145.00
Phone, cable, internet: $company pay
Food, entertainment: $100.00 mostly company paid
Clothing, household expenses: $100.00
Credit cards and other loans: $
Other expenses: $
Information in the Description is not verified.