Listing Report:Supplement No. 20 dated Feb 23, 2012 to Prospectus dated Feb 14, 2012File 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 Feb 14, 2012 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 Feb 14, 2012 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
551165
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*:
| 5.65% | | |
Term:
| 36 months | | | | |
|
Lender yield:
| 13.49% |
Borrower rate/APR:
| 14.49% / 17.36% |
Monthly payment:
| $275.33 |
|
Lender servicing fee:
| 1.00% |
Effective Yield*:
| 13.26% | | |
| |
Estimated return*:
| 7.61% | | |
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10):
| 8 |
First credit line:
| Feb-1994 |
Debt/Income ratio:
| 24% |
Credit score:
| 760-779 (Feb-2012) |
Inquiries last 6m:
| 0 | Employment status: | Employed |
Now delinquent:
| 0 |
Current / open credit lines:
| 9
/
9 | Length of status: | 10y 0m |
Amount delinquent:
| $0 |
Total credit lines:
| 28 |
Occupation: | Truck Driver |
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $6,268 | Stated income: | $25,000-$49,999 |
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 25% | | |
| |
Homeownership:
| No | | |
Screen name:
| gold-evergreen1 |
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
Consolidate credit cards
No description is available.
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
554369
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*:
| 14.90% | | |
Term:
| 36 months | | | | |
|
Lender yield:
| 28.99% |
Borrower rate/APR:
| 29.99% / 33.97% |
Monthly payment:
| $84.89 |
|
Lender servicing fee:
| 1.00% |
Effective Yield*:
| 27.66% | | |
| |
Estimated return*:
| 12.76% | | |
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10):
| 1 |
First credit line:
| Jan-2001 |
Debt/Income ratio:
| 41% |
Credit score:
| 600-619 (Jan-2012) |
Inquiries last 6m:
| 4 | Employment status: | Employed |
Now delinquent:
| 0 |
Current / open credit lines:
| 7
/
6 | Length of status: | 5y 11m |
Amount delinquent:
| $0 |
Total credit lines:
| 16 |
Occupation: | Waiter/Waitress |
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $11,402 | Stated income: | $1-$24,999 |
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 91% | | |
| |
Homeownership:
| No | | |
Screen name:
| rcs2003 |
Borrower's state:
| Nevada |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan history | Payment history | Credit score history |
Active / total loans:
| 0 / 5 |
On-time:
| 29 ( 97% )
| 600-619 (Latest)
|
Principal borrowed:
| $15,500.00 | < 31 days late:
| 1
( 3% )
| 640-659
(Aug-2011)
620-639
(Apr-2010)
600-619
(Aug-2009)
620-639
(Mar-2008)
|
Principal balance:
| $0.04 |
31+ days late:
| 0
( 0% )
|
Total payments billed:
| 30 | | |
Description
Prosper Lender's Loan Consolidation
Purpose of loan: Free up some Credit
This loan will be used to... Pay down lines of Credit to pay down faster.
My financial situation: Stable
I am a good candidate for this loan because... I have repaid multiple loans back and am also a lender myself. The amount I am requesting is smaller then the amount i'm asking for. So this is the closest you can get to a secured loan thru Prosper.
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
556295
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount:
| $15,000.00 |
Prosper Rating:
| AA |
Listing Duration:
| 14 days
|
Minimum Amount to Fund:
| $15,000 |
Estimated loss*:
| 1.00% | | |
Term:
| 36 months | | | | |
|
Lender yield:
| 5.49% |
Borrower rate/APR:
| 6.49% / 6.83% |
Monthly payment:
| $459.67 |
|
Lender servicing fee:
| 1.00% |
Effective Yield*:
| 5.49% | | |
| |
Estimated return*:
| 4.49% | | |
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10):
| 10 |
First credit line:
| Jul-1998 |
Debt/Income ratio:
| 10% |
Credit score:
| 780-799 (Feb-2012) |
Inquiries last 6m:
| 0 | Employment status: | Employed |
Now delinquent:
| 0 |
Current / open credit lines:
| 6
/
6 | Length of status: | 8y 1m |
Amount delinquent:
| $0 |
Total credit lines:
| 19 |
Occupation: | Skilled Labor |
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $1,241 | Stated income: | $50,000-$74,999 |
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 3% | | |
| |
Homeownership:
| Yes | | |
Screen name:
| receptive-power4 |
Borrower's state:
| SouthCarolina |
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
Purpose of loan:
This loan will be used to...
My financial situation:
I am a good candidate for this loan because...
30 YEARS EXP. IN AUTOMOTIVE REPAIRS.HAVE MANAGMENT TRAINING WORK WELL WITH GENERAL CUSTOMER RELATIONS .
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
556927
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount:
| $15,000.00 |
Prosper Rating:
| B |
Listing Duration:
| 14 days
|
Minimum Amount to Fund:
| $15,000 |
Estimated loss*:
| 5.65% | | |
Term:
| 60 months | | | | |
|
Lender yield:
| 17.45% |
Borrower rate/APR:
| 18.45% / 20.36% |
Monthly payment:
| $384.58 |
|
Lender servicing fee:
| 1.00% |
Effective Yield*:
| 17.15% | | |
| |
Estimated return*:
| 11.50% | | |
* 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-2008 |
Debt/Income ratio:
| 8% |
Credit score:
| 680-699 (Feb-2012) |
Inquiries last 6m:
| 0 | Employment status: | Employed |
Now delinquent:
| 0 |
Current / open credit lines:
| 5
/
5 | Length of status: | 1y 0m |
Amount delinquent:
| $0 |
Total credit lines:
| 6 |
Occupation: | Engineer - Chemical |
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $5,282 | Stated income: | $50,000-$74,999 |
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 39% | | |
| |
Homeownership:
| No | | |
Screen name:
| five-star-reward9 |
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
Income Property
This loan will be used to convert our 1000 sq-ft basement to a 2 bedroom apartment, which we plan to rent for $1500 a month.
I am a good candidate for this loan because I am successfully employed as an Engineer at a top pharmaceutical company. I have minimum debt and manage credit responsibly. Our gross annual household income is ~$140,000. We also have positive cash flow every month giving us the ability to save, invest and pay off this loan.
The money from this loan will be used for renovation of a partially finished basement into a 2 bedroom apartment. We are currently in the contractor selection process.
My monthly net income: ~4800
My monthly expenses: -
- Mortgage: $ 1500
- Utilities, cable and Internet: $ 150
- Insurance: $ 100
- Auto payments: $0
- Phone bill- $0 ( paid by company)
- Clothing, food, entertainment & household expenses: $ 200
- Credit cards: $ 50
- 401k per month - $330
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
559565
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*:
| 14.90% | | |
Term:
| 36 months | | | | |
|
Lender yield:
| 28.99% |
Borrower rate/APR:
| 29.99% / 33.97% |
Monthly payment:
| $169.78 |
|
Lender servicing fee:
| 1.00% |
Effective Yield*:
| 27.66% | | |
| |
Estimated return*:
| 12.76% | | |
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10):
| 1 |
First credit line:
| May-1999 |
Debt/Income ratio:
| 45% |
Credit score:
| 640-659 (Feb-2012) |
Inquiries last 6m:
| 1 | Employment status: | Employed |
Now delinquent:
| 1 |
Current / open credit lines:
| 15
/
15 | Length of status: | 4y 11m |
Amount delinquent:
| $555 |
Total credit lines:
| 35 |
Occupation: | Analyst |
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $17,693 | Stated income: | $50,000-$74,999 |
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 64% | | |
| |
Homeownership:
| Yes | | |
Screen name:
| kind-dedication-twister9 |
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.
Prosper Activity
Loan history | Payment history | Credit score history |
Active / total loans:
| 0 / 1 |
On-time:
| 16 ( 100% )
| 640-659 (Latest)
|
Principal borrowed:
| $4,000.00 | < 31 days late:
| 0
( 0% )
| 720-739
(Sep-2010)
|
Principal balance:
| $0.00 |
31+ days late:
| 0
( 0% )
|
Total payments billed:
| 16 | | |
Description
Auto Payoff
Purpose of loan:
This loan will be used to payoff my car note.
My financial situation:
I am a good candidate for this loan because, I pay my bills in a timely manner.
Monthly net income: $4800
Monthly expenses: $2880
Housing: $1300
Insurance: $100
Car expenses: $600
Utilities: $180
Phone, cable, internet: $100
Food, entertainment: $100
Clothing, household expenses: $100
Credit cards and other loans: $300
Other expenses: $100
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
560797
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount:
| $10,000.00 |
Prosper Rating:
| A |
Listing Duration:
| 14 days
|
Minimum Amount to Fund:
| $7,000 |
Estimated loss*:
| 3.30% | | |
Term:
| 36 months | | | | |
|
Lender yield:
| 8.99% |
Borrower rate/APR:
| 9.99% / 12.78% |
Monthly payment:
| $322.62 |
|
Lender servicing fee:
| 1.00% |
Effective Yield*:
| 8.97% | | |
| |
Estimated return*:
| 5.67% | | |
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10):
| 10 |
First credit line:
| Feb-2006 |
Debt/Income ratio:
| 6% |
Credit score:
| 740-759 (Feb-2012) |
Inquiries last 6m:
| 1 | Employment status: | Employed |
Now delinquent:
| 0 |
Current / open credit lines:
| 2
/
2 | Length of status: | 4y 7m |
Amount delinquent:
| $0 |
Total credit lines:
| 12 |
Occupation: | Professional |
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $1,281 | Stated income: | $75,000-$99,999 |
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 13% | | |
| |
Homeownership:
| No | | |
Screen name:
| bonafide-credit370 |
Borrower's state:
| Texas |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Description
Prosper-10k
Purpose of loan:
This loan will be used for a major purchase for personal reasons
My financial situation:
I am a good candidate for this loan because have no current debts. Have steady income and growth potential.
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
561417
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:
| $3,800.00 |
Prosper Rating:
| HR |
Listing Duration:
| 14 days
|
Minimum Amount to Fund:
| $2,660 |
Estimated loss*:
| 16.50% | | |
Term:
| 36 months | | | | |
|
Lender yield:
| 30.77% |
Borrower rate/APR:
| 31.77% / 35.80% |
Monthly payment:
| $165.02 |
|
Lender servicing fee:
| 1.00% |
Effective Yield*:
| 28.96% | | |
| |
Estimated return*:
| 12.46% | | |
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10):
| 2 |
First credit line:
| Feb-2000 |
Debt/Income ratio:
| Not calculated |
Credit score:
| 700-719 (Feb-2012) |
Inquiries last 6m:
| 1 | Employment status: | Employed |
Now delinquent:
| 0 |
Current / open credit lines:
| 3
/
3 | Length of status: | 8y 8m |
Amount delinquent:
| $0 |
Total credit lines:
| 7 |
Occupation: | Military Enlisted |
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $78 | Stated income: | $25,000-$49,999 |
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 0% | | |
| |
Homeownership:
| No | | |
Screen name:
| conductor1 |
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
financial loan
No description is available.
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
561467
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*:
| 8.90% | | |
Term:
| 60 months | | | | |
|
Lender yield:
| 23.68% |
Borrower rate/APR:
| 24.68% / 27.25% |
Monthly payment:
| $437.46 |
|
Lender servicing fee:
| 1.00% |
Effective Yield*:
| 23.12% | | |
| |
Estimated return*:
| 14.22% | | |
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10):
| 6 |
First credit line:
| Jul-2000 |
Debt/Income ratio:
| 37% |
Credit score:
| 720-739 (Feb-2012) |
Inquiries last 6m:
| 1 | Employment status: | Employed |
Now delinquent:
| 0 |
Current / open credit lines:
| 18
/
17 | Length of status: | 0y 5m |
Amount delinquent:
| $0 |
Total credit lines:
| 20 |
Occupation: | Other |
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $7,575 | Stated income: | $50,000-$74,999 |
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 53% | | |
| |
Homeownership:
| Yes | | |
Screen name:
| focused-compassion1 |
Borrower's state:
| NewJersey |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Description
closiNg costs
Purpose of loan:
This loan will be used to pay closing costs, realtor fees, and other expenses included in the selling of our house. We have a buyer but need to secure these funds before accepting offer.
My financial situation: stable
I am a good candidate for this loan because I am a reliable borrower and have always paid bills on time. My husband was relocated out of state for his job just prior to the birth of our son which led to the unexpected need to sell our home and the need for this loan.
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
561605
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*:
| 5.65% | | |
Term:
| 36 months | | | | |
|
Lender yield:
| 13.49% |
Borrower rate/APR:
| 14.49% / 17.36% |
Monthly payment:
| $103.25 |
|
Lender servicing fee:
| 1.00% |
Effective Yield*:
| 13.26% | | |
| |
Estimated return*:
| 7.61% | | |
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10):
| 8 |
First credit line:
| Jun-2000 |
Debt/Income ratio:
| 22% |
Credit score:
| 640-659 (Feb-2012) |
Inquiries last 6m:
| 0 | Employment status: | Employed |
Now delinquent:
| 0 |
Current / open credit lines:
| 7
/
7 | Length of status: | 0y 11m |
Amount delinquent:
| $0 |
Total credit lines:
| 19 |
Occupation: | Laborer |
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $4,369 | Stated income: | $25,000-$49,999 |
Delinquencies in last 7y:
| 5 |
Bankcard utilization:
| 27% | | |
| |
Homeownership:
| Yes | | |
Screen name:
| industrious-order1 |
Borrower's state:
| NewJersey |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Description
Debt consolidation
No description is available.
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
561671
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*:
| 5.65% | | |
Term:
| 36 months | | | | |
|
Lender yield:
| 13.49% |
Borrower rate/APR:
| 14.49% / 17.36% |
Monthly payment:
| $516.24 |
|
Lender servicing fee:
| 1.00% |
Effective Yield*:
| 13.26% | | |
| |
Estimated return*:
| 7.61% | | |
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10):
| 8 |
First credit line:
| Jul-1985 |
Debt/Income ratio:
| 35% |
Credit score:
| 740-759 (Feb-2012) |
Inquiries last 6m:
| 0 | Employment status: | Other |
Now delinquent:
| 0 |
Current / open credit lines:
| 7
/
7 | Length of status: | 3y 7m |
Amount delinquent:
| $0 |
Total credit lines:
| 19 |
Occupation: | Other |
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $15,991 | Stated income: | $25,000-$49,999 |
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 56% | | |
| |
Homeownership:
| No | | |
Screen name:
| compassion-starfish8 |
Borrower's state:
| Arkansas |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Description
debt consolidation
Purpose of loan: debt consolidation
This loan will be used to..pay off sears, bank of America, American Express.
My financial situation: just fine
I am a good candidate for this loan because...I never missed a payment and never late
Monthly net income: $48,000
Monthly expenses: $1800.00
Housing: $342,00
Insurance: $65.00
Car expenses: $413.00
Utilities: $96.00
Phone, cable, internet: $55.00
Food, entertainment: $200.00
Clothing, household expenses: $25.00
Credit cards and other loans: $20,000
Other expenses: $30,000 house land owned
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
561683
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount:
| $11,000.00 |
Prosper Rating:
| C |
Listing Duration:
| 14 days
|
Minimum Amount to Fund:
| $7,700 |
Estimated loss*:
| 8.90% | | |
Term:
| 60 months | | | | |
|
Lender yield:
| 23.68% |
Borrower rate/APR:
| 24.68% / 27.25% |
Monthly payment:
| $320.80 |
|
Lender servicing fee:
| 1.00% |
Effective Yield*:
| 23.12% | | |
| |
Estimated return*:
| 14.22% | | |
* 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:
| Mar-1998 |
Debt/Income ratio:
| 25% |
Credit score:
| 740-759 (Feb-2012) |
Inquiries last 6m:
| 0 | Employment status: | Employed |
Now delinquent:
| 1 |
Current / open credit lines:
| 6
/
7 | Length of status: | 0y 0m |
Amount delinquent:
| $152 |
Total credit lines:
| 13 |
Occupation: | Other |
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $229 | Stated income: | $25,000-$49,999 |
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 2% | | |
| |
Homeownership:
| No | | |
Screen name:
| triumphant-coin450 |
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
settling debt
Purpose of loan:
This loan will be used to...i need to pay off some late bills and have some money for moving expenses as well as have some cash since i just started my new job
My financial situation:
I just started my new job on Feb 10, 2012 and I'm looking to use this money to pay off some debt that accumulated while i was unemployed as well as moving expenses and whatever else may pop up since I'm moving into a new place starting march 1st
Monthly net income: $~2000-2500
Monthly expenses:
Housing: $400 rent + utilities
Insurance: $150 car
Car expenses:
Utilities: $
Phone, cable, internet: $85
Food, entertainment: $200
Clothing, household expenses: $0
Credit cards and other loans: $152
Other expenses: $0
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
561719
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:
| A |
Listing Duration:
| 14 days
|
Minimum Amount to Fund:
| $2,800 |
Estimated loss*:
| 3.30% | | |
Term:
| 36 months | | | | |
|
Lender yield:
| 8.99% |
Borrower rate/APR:
| 9.99% / 12.78% |
Monthly payment:
| $129.05 |
|
Lender servicing fee:
| 1.00% |
Effective Yield*:
| 8.97% | | |
| |
Estimated return*:
| 5.67% | | |
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10):
| 8 |
First credit line:
| May-1998 |
Debt/Income ratio:
| 7% |
Credit score:
| 760-779 (Feb-2012) |
Inquiries last 6m:
| 0 | Employment status: | Employed |
Now delinquent:
| 0 |
Current / open credit lines:
| 13
/
6 | Length of status: | 12y 3m |
Amount delinquent:
| $0 |
Total credit lines:
| 24 |
Occupation: | Professional |
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $5,652 | Stated income: | $50,000-$74,999 |
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 23% | | |
| |
Homeownership:
| Yes | | |
Screen name:
| goal-velocity0 |
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
Pay off bills
Purpose of loan:
This loan will be used to pay off household bills and home improvement.
My financial situation:
I am a good candidate for this loan because I have excellent credit and I pay my bills on time.
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
561721
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*:
| 11.90% | | |
Term:
| 60 months | | | | |
|
Lender yield:
| 27.70% |
Borrower rate/APR:
| 28.70% / 31.38% |
Monthly payment:
| $205.14 |
|
Lender servicing fee:
| 1.00% |
Effective Yield*:
| 27.01% | | |
| |
Estimated return*:
| 15.11% | | |
* 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-2009 |
Debt/Income ratio:
| 11% |
Credit score:
| 700-719 (Feb-2012) |
Inquiries last 6m:
| 0 | Employment status: | Employed |
Now delinquent:
| 0 |
Current / open credit lines:
| 2
/
2 | Length of status: | 1y 2m |
Amount delinquent:
| $0 |
Total credit lines:
| 2 |
Occupation: | Medical Technician |
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $455 | Stated income: | $1-$24,999 |
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 83% | | |
| |
Homeownership:
| No | | |
Screen name:
| top-helpful-diversification |
Borrower's state:
| Oregon |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Description
Investment Purposes
Purpose of loan:
This loan will be used for an investment property by remodeling a room to rent out. Remodeling the room with a bathroom with brand new carpets. It can be rented for 650/mo. I need this loan to cover the expenses to remodel the room and to add a bathroom with the room.
My financial situation:
I am a good candidate for this loan because I have not missed a payment and debt to income ratio is under 20%.
Monthly net income: $4400
Monthly expenses: $950
Housing: $
Insurance: $100
Car expenses: $50
Utilities: $
Phone, cable, internet: $120
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
561725
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount:
| $2,000.00 |
Prosper Rating:
| C |
Listing Duration:
| 14 days
|
Minimum Amount to Fund:
| $2,000 |
Estimated loss*:
| 8.90% | | |
Term:
| 36 months | | | | |
|
Lender yield:
| 19.49% |
Borrower rate/APR:
| 20.49% / 24.25% |
Monthly payment:
| $74.83 |
|
Lender servicing fee:
| 1.00% |
Effective Yield*:
| 19.04% | | |
| |
Estimated return*:
| 10.14% | | |
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10):
| 7 |
First credit line:
| May-1997 |
Debt/Income ratio:
| 5% |
Credit score:
| 680-699 (Feb-2012) |
Inquiries last 6m:
| 0 | Employment status: | Employed |
Now delinquent:
| 0 |
Current / open credit lines:
| 0
/
0 | Length of status: | 1y 11m |
Amount delinquent:
| $0 |
Total credit lines:
| 20 |
Occupation: | Other |
Public records last 12m / 10y:
| 0/ 1 |
Revolving credit balance:
| $0 | Stated income: | $1-$24,999 |
Delinquencies in last 7y:
| 6 |
Bankcard utilization:
| 0% | | |
| |
Homeownership:
| No | | |
Screen name:
| methodical-cash771 |
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
personal loan
No description is available.
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
561737
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount:
| $25,000.00 |
Prosper Rating:
| A |
Listing Duration:
| 14 days
|
Minimum Amount to Fund:
| $17,500 |
Estimated loss*:
| 3.30% | | |
Term:
| 60 months | | | | |
|
Lender yield:
| 12.96% |
Borrower rate/APR:
| 13.96% / 15.78% |
Monthly payment:
| $581.19 |
|
Lender servicing fee:
| 1.00% |
Effective Yield*:
| 12.91% | | |
| |
Estimated return*:
| 9.61% | | |
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10):
| 8 |
First credit line:
| Apr-1993 |
Debt/Income ratio:
| 24% |
Credit score:
| 800-819 (Feb-2012) |
Inquiries last 6m:
| 1 | Employment status: | Other |
Now delinquent:
| 0 |
Current / open credit lines:
| 7
/
7 | Length of status: | 0y 0m |
Amount delinquent:
| $0 |
Total credit lines:
| 9 |
Occupation: | Other |
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $10,241 | Stated income: | $50,000-$74,999 |
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 13% | | |
| |
Homeownership:
| No | | |
Screen name:
| commitment-ladder2 |
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
inventory2
No description is available.
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
561789
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount:
| $4,000.00 |
Prosper Rating:
| C |
Listing Duration:
| 14 days
|
Minimum Amount to Fund:
| $2,800 |
Estimated loss*:
| 8.90% | | |
Term:
| 60 months | | | | |
|
Lender yield:
| 23.68% |
Borrower rate/APR:
| 24.68% / 27.25% |
Monthly payment:
| $116.66 |
|
Lender servicing fee:
| 1.00% |
Effective Yield*:
| 23.12% | | |
| |
Estimated return*:
| 14.22% | | |
* 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-2004 |
Debt/Income ratio:
| 18% |
Credit score:
| 660-679 (Feb-2012) |
Inquiries last 6m:
| 2 | Employment status: | Employed |
Now delinquent:
| 1 |
Current / open credit lines:
| 8
/
8 | Length of status: | 2y 4m |
Amount delinquent:
| $10,293 |
Total credit lines:
| 10 |
Occupation: | Teacher |
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $2,108 | Stated income: | $25,000-$49,999 |
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 61% | | |
| |
Homeownership:
| No | | |
Screen name:
| exchange-widget1 |
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
Wedding Rings Fund
Purpose of loan:
This loan will be used to purchase wedding rings.
My financial situation:
I am a good candidate for this loan because I have been working as a full time employee for almost 3 years.
Monthly net income: $2600
Monthly expenses: $
Housing: $200
Insurance: $130
Car expenses: $130
Utilities: $100
Phone, cable, internet: $50
Food, entertainment: $200
Clothing, household expenses: $50
Credit cards and other loans: $100
Other expenses: $150
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
561817
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount:
| $25,000.00 |
Prosper Rating:
| A |
Listing Duration:
| 14 days
|
Minimum Amount to Fund:
| $17,500 |
Estimated loss*:
| 3.30% | | |
Term:
| 60 months | | | | |
|
Lender yield:
| 12.96% |
Borrower rate/APR:
| 13.96% / 15.78% |
Monthly payment:
| $581.19 |
|
Lender servicing fee:
| 1.00% |
Effective Yield*:
| 12.91% | | |
| |
Estimated return*:
| 9.61% | | |
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10):
| 8 |
First credit line:
| Jun-1993 |
Debt/Income ratio:
| 27% |
Credit score:
| 760-779 (Feb-2012) |
Inquiries last 6m:
| 0 | Employment status: | Employed |
Now delinquent:
| 0 |
Current / open credit lines:
| 6
/
6 | Length of status: | 37y 5m |
Amount delinquent:
| $0 |
Total credit lines:
| 22 |
Occupation: | Other |
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $7,093 | Stated income: | $50,000-$74,999 |
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 42% | | |
| |
Homeownership:
| Yes | | |
Screen name:
| hope-goblin6 |
Borrower's state:
| Illinois |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Description
Debt Consolidation/New Business
Purpose of loan:
This loan will be used to pay off existing debt and start my business providing care for seniors.
My financial situation:
I am a good candidate for this loan because I pay all of my bills on time and take it very seriously not to have late payments. This loan will allow me to start up my business and have more than one source of income. And I will have the loan paid off soon.
Monthly net income: $3600
Monthly expenses: $ 185
Housing: $1225
Insurance: $ 380 (every 6mths)
Car Expenses: $425
Utilities: $75
Food, entertainment: $150
Phone, cable, internet: $100
Clothing, household expenses: $100
Credit cards and other loans: $200
Other expenses: $0
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
561837
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:
| 30.77% |
Borrower rate/APR:
| 31.77% / 35.80% |
Monthly payment:
| $173.71 |
|
Lender servicing fee:
| 1.00% |
Effective Yield*:
| 28.96% | | |
| |
Estimated return*:
| 12.46% | | |
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10):
| 3 |
First credit line:
| Apr-2001 |
Debt/Income ratio:
| 43% |
Credit score:
| 720-739 (Feb-2012) |
Inquiries last 6m:
| 3 | Employment status: | Employed |
Now delinquent:
| 0 |
Current / open credit lines:
| 20
/
17 | Length of status: | 7y 5m |
Amount delinquent:
| $0 |
Total credit lines:
| 62 |
Occupation: | Nurse (RN) |
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $16,697 | Stated income: | $50,000-$74,999 |
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 55% | | |
| |
Homeownership:
| Yes | | |
Screen name:
| deal-concerto2 |
Borrower's state:
| Idaho |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Description
Paying off bills
No description is available.
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
561855
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount:
| $3,000.00 |
Prosper Rating:
| E |
Listing Duration:
| 14 days
|
Minimum Amount to Fund:
| $2,100 |
Estimated loss*:
| 14.70% | | |
Term:
| 36 months | | | | |
|
Lender yield:
| 28.58% |
Borrower rate/APR:
| 29.58% / 33.55% |
Monthly payment:
| $126.67 |
|
Lender servicing fee:
| 1.00% |
Effective Yield*:
| 27.27% | | |
| |
Estimated return*:
| 12.57% | | |
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10):
| 6 |
First credit line:
| Oct-2001 |
Debt/Income ratio:
| 5% |
Credit score:
| 660-679 (Feb-2012) |
Inquiries last 6m:
| 3 | Employment status: | Employed |
Now delinquent:
| 1 |
Current / open credit lines:
| 2
/
2 | Length of status: | 2y 10m |
Amount delinquent:
| $375 |
Total credit lines:
| 8 |
Occupation: | Other |
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $0 | Stated income: | $25,000-$49,999 |
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 0% | | |
| |
Homeownership:
| No | | |
Screen name:
| enriched-gold887 |
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
No description is available.
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
561861
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:
| $3,000 |
Estimated loss*:
| 5.65% | | |
Term:
| 12 months | | | | |
|
Lender yield:
| 8.58% |
Borrower rate/APR:
| 9.58% / 17.26% |
Monthly payment:
| $263.16 |
|
Lender servicing fee:
| 1.00% |
Effective Yield*:
| 8.45% | | |
| |
Estimated return*:
| 2.80% | | |
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10):
| 8 |
First credit line:
| Aug-1986 |
Debt/Income ratio:
| 7% |
Credit score:
| 640-659 (Feb-2012) |
Inquiries last 6m:
| 2 | Employment status: | Other |
Now delinquent:
| 0 |
Current / open credit lines:
| 3
/
3 | Length of status: | 1y 1m |
Amount delinquent:
| $0 |
Total credit lines:
| 37 |
Occupation: | Other |
Public records last 12m / 10y:
| 1/ 1 |
Revolving credit balance:
| $285 | Stated income: | $50,000-$74,999 |
Delinquencies in last 7y:
| 11 |
Bankcard utilization:
| 35% | | |
| |
Homeownership:
| No | | |
Screen name:
| best-commerce-tostada |
Borrower's state:
| WestVirginia |
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
cover taxes and medical bill
No description is available.
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
561867
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*:
| 8.90% | | |
Term:
| 36 months | | | | |
|
Lender yield:
| 19.49% |
Borrower rate/APR:
| 20.49% / 24.25% |
Monthly payment:
| $448.96 |
|
Lender servicing fee:
| 1.00% |
Effective Yield*:
| 19.04% | | |
| |
Estimated return*:
| 10.14% | | |
* 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:
| Jan-1996 |
Debt/Income ratio:
| 25% |
Credit score:
| 740-759 (Feb-2012) |
Inquiries last 6m:
| 0 | Employment status: | Employed |
Now delinquent:
| 0 |
Current / open credit lines:
| 17
/
15 | Length of status: | 1y 5m |
Amount delinquent:
| $0 |
Total credit lines:
| 25 |
Occupation: | Teacher |
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $107,724 | Stated income: | $75,000-$99,999 |
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 90% | | |
| |
Homeownership:
| Yes | | |
Screen name:
| platinum-neptune1 |
Borrower's state:
| NewYork |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Description
Home Expense Loan
Purpose of loan:
This loan will be used to...
My financial situation:
I am a good candidate for this loan because...I can pay it back quickly and have a steady income
Monthly net income: $ 20000
Monthly expenses: $ 10000
Housing: $ 4000
Insurance: $ 500
Car expenses: $ 500
Utilities: $ 500
Phone, cable, internet: $ 600
Food, entertainment: $ 400
Clothing, household expenses: $
Credit cards and other loans: $ 3000
Other expenses: $
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
561909
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount:
| $15,000.00 |
Prosper Rating:
| B |
Listing Duration:
| 14 days
|
Minimum Amount to Fund:
| $15,000 |
Estimated loss*:
| 5.65% | | |
Term:
| 60 months | | | | |
|
Lender yield:
| 17.45% |
Borrower rate/APR:
| 18.45% / 20.36% |
Monthly payment:
| $384.58 |
|
Lender servicing fee:
| 1.00% |
Effective Yield*:
| 17.15% | | |
| |
Estimated return*:
| 11.50% | | |
* 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-1998 |
Debt/Income ratio:
| 34% |
Credit score:
| 720-739 (Feb-2012) |
Inquiries last 6m:
| 2 | Employment status: | Employed |
Now delinquent:
| 0 |
Current / open credit lines:
| 11
/
11 | Length of status: | 13y 6m |
Amount delinquent:
| $0 |
Total credit lines:
| 31 |
Occupation: | Professional |
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $38,003 | Stated income: | $75,000-$99,999 |
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 58% | | |
| |
Homeownership:
| Yes | | |
Screen name:
| brightest-return-protector |
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 Consolidation
Purpose of loan:
This loan will be used to consolidate credit card debt. My family had some medical issues that we have recovered from. I have always paid every bilI on time.
My financial situation:
I am a good candidate for this loan because I have never made a late payment on any type of bill. I am using this to consolidate some credit card debt that was used due to family medical issues. My family has recovered from that now and we are doing great. THrough all of that we never missed a payment. I would now like to be able to consolidate it and pay it down faster with this loan.
Monthly net income: $5000
Monthly expenses: $
Housing: $1350
Insurance: $50
Car expenses: $422
Utilities: $250
Phone, cable, internet: $175
Food, entertainment: $400
Clothing, household expenses: $100
Credit cards and other loans: $630
Other expenses: $0
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
554054
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*:
| 11.90% | | |
Term:
| 60 months | | | | |
|
Lender yield:
| 27.70% |
Borrower rate/APR:
| 28.70% / 31.38% |
Monthly payment:
| $173.58 |
|
Lender servicing fee:
| 1.00% |
Effective Yield*:
| 27.01% | | |
| |
Estimated return*:
| 15.11% | | |
* 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-1995 |
Debt/Income ratio:
| 19% |
Credit score:
| 740-759 (Jan-2012) |
Inquiries last 6m:
| 0 | Employment status: | Employed |
Now delinquent:
| 0 |
Current / open credit lines:
| 8
/
7 | Length of status: | 9y 2m |
Amount delinquent:
| $0 |
Total credit lines:
| 30 |
Occupation: | Clerical |
Public records last 12m / 10y:
| 0/ 1 |
Revolving credit balance:
| $3,684 | Stated income: | $25,000-$49,999 |
Delinquencies in last 7y:
| 9 |
Bankcard utilization:
| 76% | | |
| |
Homeownership:
| No | | |
Screen name:
| the-pure-value |
Borrower's state:
| Minnesota |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Description
Wedding Loan
No description is available.
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
557250
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:
| 30.77% |
Borrower rate/APR:
| 31.77% / 35.80% |
Monthly payment:
| $173.71 |
|
Lender servicing fee:
| 1.00% |
Effective Yield*:
| 28.96% | | |
| |
Estimated return*:
| 12.46% | | |
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10):
| 3 |
First credit line:
| Mar-1991 |
Debt/Income ratio:
| 20% |
Credit score:
| 740-759 (Feb-2012) |
Inquiries last 6m:
| 1 | Employment status: | Employed |
Now delinquent:
| 1 |
Current / open credit lines:
| 12
/
12 | Length of status: | 6y 3m |
Amount delinquent:
| $11,092 |
Total credit lines:
| 32 |
Occupation: | Other |
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $3,314 | Stated income: | $50,000-$74,999 |
Delinquencies in last 7y:
| 3 |
Bankcard utilization:
| 75% | | |
| |
Homeownership:
| Yes | | |
Screen name:
| openness-lightning6 |
Borrower's state:
| NewMexico |
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: loan will be used to...
My financial situation:
I am a good candidate for this loan because...
Monthly net income: $3,500.00
Monthly expenses: $
Housing: $265.00
Insurance: $
Car expenses: $
Utilities: $180.00
Phone, cable, internet: $
Food, entertainment: $150.00
Clothing, household expenses: $
Credit cards and other loans: $
Other expenses: $
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
558574
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:
| $20,000.00 |
Prosper Rating:
| A |
Listing Duration:
| 14 days
|
Minimum Amount to Fund:
| $14,000 |
Estimated loss*:
| 3.30% | | |
Term:
| 36 months | | | | |
|
Lender yield:
| 8.99% |
Borrower rate/APR:
| 9.99% / 12.78% |
Monthly payment:
| $645.25 |
|
Lender servicing fee:
| 1.00% |
Effective Yield*:
| 8.97% | | |
| |
Estimated return*:
| 5.67% | | |
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10):
| 8 |
First credit line:
| Jul-1976 |
Debt/Income ratio:
| Not calculated |
Credit score:
| 800-819 (Feb-2012) |
Inquiries last 6m:
| 0 | Employment status: | Other |
Now delinquent:
| 0 |
Current / open credit lines:
| 15
/
10 | Length of status: | 21y 1m |
Amount delinquent:
| $0 |
Total credit lines:
| 33 |
Occupation: | Other |
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $448 | Stated income: | $25,000-$49,999 |
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 1% | | |
| |
Homeownership:
| Yes | | |
Screen name:
| bright-commerce1 |
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
Starting a new business
Purpose of loan:
This loan will be used to..Purchase equipment for a Steak House.
My financial situation:
I am a good candidate for this loan because...My comprehensive Business plan indicated that this is a profitable venture. In WWII I managed a mess hall that fed 800 troups at one setting.I have been a Quality Control Manager for 30 years.
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
560902
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*:
| 3.30% | | |
Term:
| 60 months | | | | |
|
Lender yield:
| 12.96% |
Borrower rate/APR:
| 13.96% / 15.78% |
Monthly payment:
| $290.59 |
|
Lender servicing fee:
| 1.00% |
Effective Yield*:
| 12.91% | | |
| |
Estimated return*:
| 9.61% | | |
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10):
| 8 |
First credit line:
| Jun-1995 |
Debt/Income ratio:
| 89% |
Credit score:
| 800-819 (Feb-2012) |
Inquiries last 6m:
| 0 | Employment status: | Employed |
Now delinquent:
| 0 |
Current / open credit lines:
| 14
/
13 | Length of status: | 5y 10m |
Amount delinquent:
| $0 |
Total credit lines:
| 26 |
Occupation: | Clerical |
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $10,930 | Stated income: | $25,000-$49,999 |
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 20% | | |
| |
Homeownership:
| Yes | | |
Screen name:
| fund-den9 |
Borrower's state:
| Alabama |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Description
To pay off interest credit cards
Purpose of loan:
This loan will be used to...
payoff credit cards
My financial situation:
I am a good candidate for this loan because...
I work a full time job and I am trying to get my bills all in one so i have no late charges on them.
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
561620
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount:
| $15,000.00 |
Prosper Rating:
| D |
Listing Duration:
| 14 days
|
Minimum Amount to Fund:
| $10,500 |
Estimated loss*:
| 11.90% | | |
Term:
| 36 months | | | | |
|
Lender yield:
| 23.52% |
Borrower rate/APR:
| 24.52% / 28.37% |
Monthly payment:
| $592.60 |
|
Lender servicing fee:
| 1.00% |
Effective Yield*:
| 22.94% | | |
| |
Estimated return*:
| 11.04% | | |
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10):
| 6 |
First credit line:
| Oct-1997 |
Debt/Income ratio:
| 11% |
Credit score:
| 700-719 (Feb-2012) |
Inquiries last 6m:
| 2 | Employment status: | Employed |
Now delinquent:
| 1 |
Current / open credit lines:
| 9
/
7 | Length of status: | 3y 2m |
Amount delinquent:
| $206 |
Total credit lines:
| 52 |
Occupation: | Sales - Commission |
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $15,122 | Stated income: | $100,000+ |
Delinquencies in last 7y:
| 12 |
Bankcard utilization:
| 45% | | |
| |
Homeownership:
| Yes | | |
Screen name:
| stable-return16 |
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
Wedding Loan
Purpose of loan:
This loan will be used to...pay for some of our wedding expenses
My financial situation:
I am a good candidate for this loan because...I have a solid job with good income, am committed to continuing to improve my credit and to paying this loan off on a timely manner.
Monthly net income: $10,000 - $20,0000
Monthly expenses: $5760
Housing: $2600
Insurance: $100
Car expenses: $750
Utilities: $
Phone, cable, internet: $
Food, entertainment: $500
Clothing, household expenses: $200
Credit cards and other loans: $1310
Other expenses: $300
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
561644
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:
| A |
Listing Duration:
| 14 days
|
Minimum Amount to Fund:
| $2,800 |
Estimated loss*:
| 2.00% | | |
Term:
| 36 months | | | | |
|
Lender yield:
| 7.99% |
Borrower rate/APR:
| 8.99% / 11.77% |
Monthly payment:
| $127.18 |
|
Lender servicing fee:
| 1.00% |
Effective Yield*:
| 7.97% | | |
| |
Estimated return*:
| 5.97% | | |
* 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-1986 |
Debt/Income ratio:
| 14% |
Credit score:
| 640-659 (Feb-2012) |
Inquiries last 6m:
| 0 | Employment status: | Employed |
Now delinquent:
| 0 |
Current / open credit lines:
| 10
/
10 | Length of status: | 37y 11m |
Amount delinquent:
| $0 |
Total credit lines:
| 59 |
Occupation: | Professional |
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $31,916 | Stated income: | $75,000-$99,999 |
Delinquencies in last 7y:
| 15 |
Bankcard utilization:
| 99% | | |
| |
Homeownership:
| Yes | | |
Screen name:
| NEXTINLINE |
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.
Prosper Activity
Loan history | Payment history | Credit score history |
Active / total loans:
| 1 / 6 |
On-time:
| 60 ( 100% )
| 640-659 (Latest)
|
Principal borrowed:
| $19,272.00 | < 31 days late:
| 0
( 0% )
| 700-719
(May-2011)
680-699
(Nov-2010)
700-719
(Feb-2010)
700-719
(Dec-2009)
|
Principal balance:
| $5,412.44 |
31+ days late:
| 0
( 0% )
|
Total payments billed:
| 60 | | |
Description
Federal Taxes
Purpose of loan:
This loan will be used to..pay my 2011 Federal Form 1040 tax due of $4,105 which was just calculated on TurboTax e-file. Will owe VA $1,335 and DE $835 but have resources to pay for both states. In past years have usually received a refund of 2k-3k but this year with an emergency 401(k) withdrawl for home repairs and medical expenses my tax owed overwhelmed me.
My financial situation:
I am a good candidate for this loan because..in addition to my employment salary of $72k per year(gross), have just started collecting $1189 from Social Security and $87 per month from pension plan from a prior part time position. Also have two roommates who pay me $1575 per month in rent. I have had 4 loans with Prosper which were paid in full with never a missed or late payment.
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
561680
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount:
| $4,500.00 |
Prosper Rating:
| C |
Listing Duration:
| 14 days
|
Minimum Amount to Fund:
| $3,150 |
Estimated loss*:
| 8.90% | | |
Term:
| 36 months | | | | |
|
Lender yield:
| 19.49% |
Borrower rate/APR:
| 20.49% / 24.25% |
Monthly payment:
| $168.36 |
|
Lender servicing fee:
| 1.00% |
Effective Yield*:
| 19.04% | | |
| |
Estimated return*:
| 10.14% | | |
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10):
| 7 |
First credit line:
| Nov-1998 |
Debt/Income ratio:
| 18% |
Credit score:
| 660-679 (Feb-2012) |
Inquiries last 6m:
| 2 | Employment status: | Employed |
Now delinquent:
| 0 |
Current / open credit lines:
| 6
/
6 | Length of status: | 8y 0m |
Amount delinquent:
| $0 |
Total credit lines:
| 10 |
Occupation: | Other |
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $17,052 | Stated income: | $25,000-$49,999 |
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 86% | | |
| |
Homeownership:
| No | | |
Screen name:
| best-euro-blaster |
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
561734
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:
| $13,500.00 |
Prosper Rating:
| C |
Listing Duration:
| 14 days
|
Minimum Amount to Fund:
| $13,500 |
Estimated loss*:
| 8.90% | | |
Term:
| 36 months | | | | |
|
Lender yield:
| 19.49% |
Borrower rate/APR:
| 20.49% / 24.25% |
Monthly payment:
| $505.09 |
|
Lender servicing fee:
| 1.00% |
Effective Yield*:
| 19.04% | | |
| |
Estimated return*:
| 10.14% | | |
* 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:
| Jun-1999 |
Debt/Income ratio:
| 14% |
Credit score:
| 720-739 (Feb-2012) |
Inquiries last 6m:
| 3 | Employment status: | Employed |
Now delinquent:
| 1 |
Current / open credit lines:
| 6
/
6 | Length of status: | 3y 5m |
Amount delinquent:
| $13,317 |
Total credit lines:
| 28 |
Occupation: | Engineer - Mechanic... |
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $36,325 | Stated income: | $75,000-$99,999 |
Delinquencies in last 7y:
| 3 |
Bankcard utilization:
| 73% | | |
| |
Homeownership:
| Yes | | |
Screen name:
| income-pagoda7 |
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
Credit cards and other loans: $
No description is available.
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
561740
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount:
| $11,000.00 |
Prosper Rating:
| C |
Listing Duration:
| 14 days
|
Minimum Amount to Fund:
| $7,700 |
Estimated loss*:
| 8.90% | | |
Term:
| 60 months | | | | |
|
Lender yield:
| 23.68% |
Borrower rate/APR:
| 24.68% / 27.25% |
Monthly payment:
| $320.80 |
|
Lender servicing fee:
| 1.00% |
Effective Yield*:
| 23.12% | | |
| |
Estimated return*:
| 14.22% | | |
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10):
| 7 |
First credit line:
| Feb-2000 |
Debt/Income ratio:
| 37% |
Credit score:
| 660-679 (Feb-2012) |
Inquiries last 6m:
| 0 | Employment status: | Employed |
Now delinquent:
| 1 |
Current / open credit lines:
| 7
/
4 | Length of status: | 3y 1m |
Amount delinquent:
| $12 |
Total credit lines:
| 14 |
Occupation: | Other |
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $1,004 | Stated income: | $25,000-$49,999 |
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 66% | | |
| |
Homeownership:
| No | | |
Screen name:
| bloom4 |
Borrower's state:
| Indiana |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Description
business start up
Purpose of loan:
This loan will be used to...business start up
My financial situation:
I am a good candidate for this loan because... I am a liciesend plumber
Monthly net income: $3500
Monthly expenses: $1000
Housing: $500
Insurance: $100
Car expenses: $0
Utilities: $250
Phone, cable, internet: $75
Food, entertainment: $350
Clothing, household expenses: $100
Credit cards and other loans: $0
Other expenses: $75
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
561802
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:
| 30.77% |
Borrower rate/APR:
| 31.77% / 35.80% |
Monthly payment:
| $173.71 |
|
Lender servicing fee:
| 1.00% |
Effective Yield*:
| 28.96% | | |
| |
Estimated return*:
| 12.46% | | |
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10):
| 5 |
First credit line:
| May-1998 |
Debt/Income ratio:
| 6% |
Credit score:
| 700-719 (Feb-2012) |
Inquiries last 6m:
| 3 | Employment status: | Employed |
Now delinquent:
| 0 |
Current / open credit lines:
| 8
/
6 | Length of status: | 0y 6m |
Amount delinquent:
| $0 |
Total credit lines:
| 28 |
Occupation: | Professional |
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $3,267 | Stated income: | $75,000-$99,999 |
Delinquencies in last 7y:
| 22 |
Bankcard utilization:
| 98% | | |
| |
Homeownership:
| Yes | | |
Screen name:
| orange-epic-nickel1 |
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
Temporary Loan
No description is available.
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
561850
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:
| 30.77% |
Borrower rate/APR:
| 31.77% / 35.80% |
Monthly payment:
| $173.71 |
|
Lender servicing fee:
| 1.00% |
Effective Yield*:
| 28.96% | | |
| |
Estimated return*:
| 12.46% | | |
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10):
| 5 |
First credit line:
| Dec-1986 |
Debt/Income ratio:
| 16% |
Credit score:
| 680-699 (Feb-2012) |
Inquiries last 6m:
| 1 | Employment status: | Employed |
Now delinquent:
| 0 |
Current / open credit lines:
| 4
/
4 | Length of status: | 34y 3m |
Amount delinquent:
| $0 |
Total credit lines:
| 27 |
Occupation: | Retail Management |
Public records last 12m / 10y:
| 0/ 1 |
Revolving credit balance:
| $3,239 | Stated income: | $50,000-$74,999 |
Delinquencies in last 7y:
| 31 |
Bankcard utilization:
| 100% | | |
| |
Homeownership:
| Yes | | |
Screen name:
| sparkling-worth9 |
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
No description is available.
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
561874
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:
| $10,500 |
Estimated loss*:
| 8.90% | | |
Term:
| 60 months | | | | |
|
Lender yield:
| 23.68% |
Borrower rate/APR:
| 24.68% / 27.25% |
Monthly payment:
| $437.46 |
|
Lender servicing fee:
| 1.00% |
Effective Yield*:
| 23.12% | | |
| |
Estimated return*:
| 14.22% | | |
* 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-1991 |
Debt/Income ratio:
| 31% |
Credit score:
| 720-739 (Feb-2012) |
Inquiries last 6m:
| 2 | Employment status: | Employed |
Now delinquent:
| 0 |
Current / open credit lines:
| 10
/
9 | Length of status: | 21y 0m |
Amount delinquent:
| $0 |
Total credit lines:
| 23 |
Occupation: | Fireman |
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $18,330 | Stated income: | $50,000-$74,999 |
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 68% | | |
| |
Homeownership:
| Yes | | |
Screen name:
| bonafide-benefit9 |
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
Starting a new business
Purpose of loan:
This loan will be used to... buy equipment and minor remodling for starting a new business
My financial situation:
I am a good candidate for this loan because... Good business mind and always pay my bills
Monthly net income: $2700
Monthly expenses:
Housing: $693
Insurance: $
Car expenses: $
Utilities: $160.
Phone, cable, internet: $ 150
Food, entertainment: $
Clothing, household expenses: $
Credit cards and other loans: $
Other expenses: $
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
561886
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*:
| 5.65% | | |
Term:
| 36 months | | | | |
|
Lender yield:
| 13.49% |
Borrower rate/APR:
| 14.49% / 17.36% |
Monthly payment:
| $223.70 |
|
Lender servicing fee:
| 1.00% |
Effective Yield*:
| 13.26% | | |
| |
Estimated return*:
| 7.61% | | |
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10):
| 8 |
First credit line:
| Nov-1994 |
Debt/Income ratio:
| 9% |
Credit score:
| 640-659 (Feb-2012) |
Inquiries last 6m:
| 0 | Employment status: | Employed |
Now delinquent:
| 0 |
Current / open credit lines:
| 4
/
4 | Length of status: | 3y 6m |
Amount delinquent:
| $0 |
Total credit lines:
| 25 |
Occupation: | Sales - Retail |
Public records last 12m / 10y:
| 0/ 1 |
Revolving credit balance:
| $2,044 | Stated income: | $50,000-$74,999 |
Delinquencies in last 7y:
| 2 |
Bankcard utilization:
| 73% | | |
| |
Homeownership:
| No | | |
Screen name:
| finance-proton8 |
Borrower's state:
| Alabama |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Description
Auto Loan Refinance
Purpose of loan: Refinancing of Dodge Caravan
This loan will be used to...
Refinance existing Auto Loan
My financial situation: Need to lower payments
I am a good candidate for this loan because...I have a stable job in a growing industry and have reasonable expectations with respect to loan amount and payback period.
Monthly net income: $5000.00
Monthly expenses: $3850.00
Housing: $
Insurance: $
Car expenses: $
Utilities: $
Phone, cable, internet: $
Food, entertainment: $
Clothing, household expenses: $
Credit cards and other loans: $
Other expenses: $
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
561892
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:
| 28.58% |
Borrower rate/APR:
| 29.58% / 33.55% |
Monthly payment:
| $84.44 |
|
Lender servicing fee:
| 1.00% |
Effective Yield*:
| 27.27% | | |
| |
Estimated return*:
| 12.57% | | |
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10):
| 8 |
First credit line:
| Sep-1988 |
Debt/Income ratio:
| 8% |
Credit score:
| 640-659 (Feb-2012) |
Inquiries last 6m:
| 0 | Employment status: | Employed |
Now delinquent:
| 0 |
Current / open credit lines:
| 1
/
1 | Length of status: | 4y 8m |
Amount delinquent:
| $0 |
Total credit lines:
| 14 |
Occupation: | Sales - Commission |
Public records last 12m / 10y:
| 0/ 1 |
Revolving credit balance:
| $1,915 | Stated income: | $1-$24,999 |
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 95% | | |
| |
Homeownership:
| No | | |
Screen name:
| bold-thankful-power |
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
Starting New Business
Purpose of loan:
This loan will be used to...Start a new business
My financial situation:
I am a good candidate for this loan because...
Monthly net income: $1600
Monthly expenses: $975
Housing: $435
Insurance: $250 per year
Car expenses: $140
Utilities: $95 per month
Phone, cable, internet: $125
Food, entertainment: $120
Clothing, household expenses: $0
Credit cards and other loans: $55
Other expenses: $0
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
561918
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:
| 30.77% |
Borrower rate/APR:
| 31.77% / 35.80% |
Monthly payment:
| $173.71 |
|
Lender servicing fee:
| 1.00% |
Effective Yield*:
| 28.96% | | |
| |
Estimated return*:
| 12.46% | | |
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10):
| 5 |
First credit line:
| Jul-2000 |
Debt/Income ratio:
| 10% |
Credit score:
| 660-679 (Feb-2012) |
Inquiries last 6m:
| 3 | Employment status: | Employed |
Now delinquent:
| 0 |
Current / open credit lines:
| 16
/
12 | Length of status: | 0y 10m |
Amount delinquent:
| $0 |
Total credit lines:
| 86 |
Occupation: | Analyst |
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $261,285 | Stated income: | $100,000+ |
Delinquencies in last 7y:
| 6 |
Bankcard utilization:
| 92% | | |
| |
Homeownership:
| Yes | | |
Screen name:
| responsibility-magnate |
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
Vacation Payoff
Purpose of loan:
This loan will be used to payoff credit cards from a vacation I had this past Fall.
My financial situation is good. I have a great job and rental income.
I am a good candidate for this loan because i am responsible and just looking to consolidate and pay off my debt a lot faster so I can move on and not have this lingering over me anymore.
Monthly net income: $131500
Monthly expenses: $675
Housing: $3985
Insurance: $50
Car expenses: $0
Utilities: $0
Phone, cable, internet: $313
Food, entertainment: $150
Clothing, household expenses: $150
Credit cards and other loans: $650
Other expenses: $0
Information in the Description is not verified.