Listing Report:Supplement No. 8 dated Apr 16, 2012 to Prospectus dated Apr 11, 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 Apr 11, 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 Apr 11, 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
555162
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
|
Amount:
| $9,000.00 |
Prosper Rating:
| B |
Listing Duration:
| 14 days
|
| |
Estimated loss*:
| 4.20% | | |
|
Term:
| 36 months | | | | |
|
|
Lender yield:
| 13.69% |
Borrower rate/APR:
| 14.69% / 18.32% |
Monthly payment:
| $310.62 |
| |
|
Lender servicing fee:
| 1.00% |
Effective Yield*:
| 13.46% | | |
| |
Estimated return*:
| 9.26% | | |
* 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-2003 |
Debt/Income ratio:
| 42% |
|
Credit score:
| 720-739 (Apr-2012) |
Inquiries last 6m:
| 0 | Employment status: | Employed |
|
Now delinquent:
| 0 |
Current / open credit lines:
| 9
/
9 | Length of status: | 1y 3m |
|
Amount delinquent:
| $0 |
Total credit lines:
| 16 |
Occupation: | Executive |
|
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $1,444 | Stated income: | $25,000-$49,999 |
|
Delinquencies in last 7y:
| 2 |
Bankcard utilization:
| 24% | | |
| | |
Homeownership:
| No | | |
|
Screen name:
| intuneguitars |
Borrower's state:
| Florida |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
| Loan history | Payment history | Credit score history |
|
Active / total loans:
| 1 / 2 |
On-time:
| 11 ( 50% )
| 720-739 (Latest)
|
|
Principal borrowed:
| $9,000.00 | < 31 days late:
| 11
( 50% )
| 620-639
(Nov-2010)
700-719
(Aug-2010)
720-739
(Jul-2010)
640-659
(Oct-2009)
|
|
Principal balance:
| $4,516.06 |
31+ days late:
| 0
( 0% )
|
|
Total payments billed:
| 22 | | |
Description
Loan with lower interest rate
Purpose of loan:
This loan will be used to...pay off debt that has a higher interest rate
My financial situation:
I am a good candidate for this loan because...I always pay my bills and am responsibly working my way out of debt.
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
573066
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
|
| |
Estimated loss*:
| 3.30% | | |
|
Term:
| 36 months | | | | |
|
|
Lender yield:
| 11.70% |
Borrower rate/APR:
| 12.70% / 15.54% |
Monthly payment:
| $838.74 |
| |
|
Lender servicing fee:
| 1.00% |
Effective Yield*:
| 11.66% | | |
| |
Estimated return*:
| 8.36% | | |
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
|
Prosper score (1-10):
| 9 |
First credit line:
| Nov-2006 |
Debt/Income ratio:
| 18% |
|
Credit score:
| 740-759 (Mar-2012) |
Inquiries last 6m:
| 0 | Employment status: | Employed |
|
Now delinquent:
| 1 |
Current / open credit lines:
| 5
/
4 | Length of status: | 5y 7m |
|
Amount delinquent:
| $540 |
Total credit lines:
| 13 |
Occupation: | Architect |
|
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $96 | Stated income: | $75,000-$99,999 |
|
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 1% | | |
| | |
Homeownership:
| No | | |
|
Screen name:
| loyalty-trooper |
Borrower's state:
| Virginia |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Description
Home Improvement Loan
Purpose of loan:
This loan will be used to Improve my home that i am willing to purchase in a month.
My financial situation:
I am a good candidate for this loan because i have good credit score and paid on time all my bills except a 12$ payment to jcpenny :). I work as an Software Architect in a well known Causality Insurance Company as a Long term consultant. So financially i am sound to repay this money easily.
Note: By mistake, I was reported for collection by National Credit System for 540$ and they apologized me and fixing my credit history in a week. I can provide any proofs in case you need.
Thanks
and Have a wonderful day!!
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
577812
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
|
Amount:
| $2,500.00 |
Prosper Rating:
| B |
Listing Duration:
| 14 days
|
| |
Estimated loss*:
| 4.20% | | |
|
Term:
| 36 months | | | | |
|
|
Lender yield:
| 13.69% |
Borrower rate/APR:
| 14.69% / 18.32% |
Monthly payment:
| $86.28 |
| |
|
Lender servicing fee:
| 1.00% |
Effective Yield*:
| 13.46% | | |
| |
Estimated return*:
| 9.26% | | |
* 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-1998 |
Debt/Income ratio:
| 15% |
|
Credit score:
| 680-699 (Apr-2012) |
Inquiries last 6m:
| 0 | Employment status: | Employed |
|
Now delinquent:
| 0 |
Current / open credit lines:
| 6
/
6 | Length of status: | 5y 5m |
|
Amount delinquent:
| $0 |
Total credit lines:
| 9 |
Occupation: | Other |
|
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $10,734 | Stated income: | $50,000-$74,999 |
|
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 94% | | |
| | |
Homeownership:
| No | | |
|
Screen name:
| fabulous-repayment |
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:
| 1 / 1 |
On-time:
| 28 ( 100% )
| 680-699 (Latest)
|
|
Principal borrowed:
| $3,500.00 | < 31 days late:
| 0
( 0% )
| 680-699
(Nov-2009)
|
|
Principal balance:
| $965.94 |
31+ days late:
| 0
( 0% )
|
|
Total payments billed:
| 28 | | |
Description
Home Improvement
Purpose of loan:
This loan will be used to help renovate parts of my home before I put it on the market to sell.
My financial situation: Good
I am a good candidate for this loan because not only do I have stable job but I have always been consistent and on time paying back any loans I have had.
Monthly net income: $4333
Monthly expenses: $3140
Housing: $ 1340
Insurance: $ 80
Car expenses: $ 0
Utilities: $ 120
Phone, cable, internet: $ 200
Food, entertainment: $ 550
Clothing, household expenses: $ 100
Credit cards and other loans: $ 550
Other expenses: $200
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
578366
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
|
| |
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:
| Oct-2001 |
Debt/Income ratio:
| 22% |
|
Credit score:
| 700-719 (Apr-2012) |
Inquiries last 6m:
| 9 | Employment status: | Employed |
|
Now delinquent:
| 1 |
Current / open credit lines:
| 7
/
6 | Length of status: | 5y 8m |
|
Amount delinquent:
| $1,862 |
Total credit lines:
| 36 |
Occupation: | Professional |
|
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $1,689 | Stated income: | $50,000-$74,999 |
|
Delinquencies in last 7y:
| 6 |
Bankcard utilization:
| 89% | | |
| | |
Homeownership:
| Yes | | |
|
Screen name:
| KitaG |
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
Purpose of loan:
This loan will be used to...
Make home improvements to my home
My financial situation:
I am a good candidate for this loan because...
I pay my bills and I am very responsible
Monthly net income: $4200.00
Monthly expenses: 100.00
Housing: $1000.00
Insurance: $180.00
Car expenses: $440.00
Utilities: 260.00
Phone, cable, internet: $277.00
Food, entertainment: $200.00
Clothing, household expenses: $100.00
Credit cards and other loans: $100.00
Other expenses: $
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
578942
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
|
| |
Estimated loss*:
| 5.65% | | |
|
Term:
| 36 months | | | | |
|
|
Lender yield:
| 16.68% |
Borrower rate/APR:
| 17.68% / 21.37% |
Monthly payment:
| $107.98 |
| |
|
Lender servicing fee:
| 1.00% |
Effective Yield*:
| 16.39% | | |
| |
Estimated return*:
| 10.74% | | |
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
|
Prosper score (1-10):
| 8 |
First credit line:
| Mar-1994 |
Debt/Income ratio:
| 6% |
|
Credit score:
| 660-679 (Apr-2012) |
Inquiries last 6m:
| 0 | Employment status: | Employed |
|
Now delinquent:
| 0 |
Current / open credit lines:
| 2
/
2 | Length of status: | 10y 4m |
|
Amount delinquent:
| $0 |
Total credit lines:
| 7 |
Occupation: | Retail Management |
|
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $2,967 | Stated income: | $75,000-$99,999 |
|
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 98% | | |
| | |
Homeownership:
| No | | |
|
Screen name:
| worlds-best-market742 |
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
household expenses
No description is available.
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
578966
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
|
Amount:
| $5,000.00 |
Prosper Rating:
| C |
Listing Duration:
| 14 days
|
| |
Estimated loss*:
| 6.50% | | |
|
Term:
| 36 months | | | | |
|
|
Lender yield:
| 18.02% |
Borrower rate/APR:
| 19.02% / 22.74% |
Monthly payment:
| $183.33 |
| |
|
Lender servicing fee:
| 1.00% |
Effective Yield*:
| 17.60% | | |
| |
Estimated return*:
| 11.10% | | |
* 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-1996 |
Debt/Income ratio:
| 13% |
|
Credit score:
| 700-719 (Apr-2012) |
Inquiries last 6m:
| 3 | Employment status: | Employed |
|
Now delinquent:
| 0 |
Current / open credit lines:
| 13
/
10 | Length of status: | 8y 3m |
|
Amount delinquent:
| $0 |
Total credit lines:
| 41 |
Occupation: | Clerical |
|
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $3,730 | Stated income: | $50,000-$74,999 |
|
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 94% | | |
| | |
Homeownership:
| Yes | | |
|
Screen name:
| newest-undaunted-bazaar |
Borrower's state:
| Tennessee |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
| Loan history | Payment history | Credit score history |
|
Active / total loans:
| 1 / 1 |
On-time:
| 6 ( 100% )
| 700-719 (Latest)
|
|
Principal borrowed:
| $5,000.00 | < 31 days late:
| 0
( 0% )
| 780-799
(Sep-2011)
|
|
Principal balance:
| $4,456.45 |
31+ days late:
| 0
( 0% )
|
|
Total payments billed:
| 6 | | |
Description
Loann Consolidation
No description is available.
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
578986
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
|
| |
Estimated loss*:
| 14.70% | | |
|
Term:
| 36 months | | | | |
|
|
Lender yield:
| 28.58% |
Borrower rate/APR:
| 29.58% / 33.55% |
Monthly payment:
| $168.89 |
| |
|
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:
| Sep-2005 |
Debt/Income ratio:
| 4% |
|
Credit score:
| 660-679 (Apr-2012) |
Inquiries last 6m:
| 1 | Employment status: | Employed |
|
Now delinquent:
| 0 |
Current / open credit lines:
| 1
/
0 | Length of status: | 12y 3m |
|
Amount delinquent:
| $0 |
Total credit lines:
| 28 |
Occupation: | Truck Driver |
|
Public records last 12m / 10y:
| 0/ 1 |
Revolving credit balance:
| $0 | Stated income: | $50,000-$74,999 |
|
Delinquencies in last 7y:
| 4 |
Bankcard utilization:
| 0% | | |
| | |
Homeownership:
| No | | |
|
Screen name:
| compassion-revelry0 |
Borrower's state:
| Georgia |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Description
new bisinness
No description is available.
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
579012
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
|
Amount:
| $3,500.00 |
Prosper Rating:
| HR |
Listing Duration:
| 14 days
|
| |
Estimated loss*:
| 16.50% | | |
|
Term:
| 36 months | | | | |
|
|
Lender yield:
| 30.77% |
Borrower rate/APR:
| 31.77% / 35.80% |
Monthly payment:
| $151.99 |
| |
|
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-1998 |
Debt/Income ratio:
| 36% |
|
Credit score:
| 700-719 (Mar-2012) |
Inquiries last 6m:
| 4 | Employment status: | Employed |
|
Now delinquent:
| 0 |
Current / open credit lines:
| 19
/
14 | Length of status: | 13y 1m |
|
Amount delinquent:
| $0 |
Total credit lines:
| 42 |
Occupation: | Police Officer/Corr... |
|
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $8,657 | Stated income: | $25,000-$49,999 |
|
Delinquencies in last 7y:
| 3 |
Bankcard utilization:
| 28% | | |
| | |
Homeownership:
| Yes | | |
|
Screen name:
| Alawgirl |
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
Home Improvement loan
Purpose of loan: home improvement
This loan will be used to...put in new flooring
My financial situation: good
I am a good candidate for this loan because...I am reliable and have a steady income
Monthly net income: $4200
Monthly expenses: $
Housing: $700
Insurance: $
Car expenses: $420
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
579022
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
|
Amount:
| $3,000.00 |
Prosper Rating:
| HR |
Listing Duration:
| 14 days
|
| |
Estimated loss*:
| 16.50% | | |
|
Term:
| 36 months | | | | |
|
|
Lender yield:
| 30.77% |
Borrower rate/APR:
| 31.77% / 35.80% |
Monthly payment:
| $130.28 |
| |
|
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):
| 4 |
First credit line:
| Mar-2000 |
Debt/Income ratio:
| 9% |
|
Credit score:
| 700-719 (Apr-2012) |
Inquiries last 6m:
| 2 | Employment status: | Employed |
|
Now delinquent:
| 1 |
Current / open credit lines:
| 7
/
6 | Length of status: | 0y 10m |
|
Amount delinquent:
| $197 |
Total credit lines:
| 19 |
Occupation: | Fireman |
|
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $3,152 | Stated income: | $25,000-$49,999 |
|
Delinquencies in last 7y:
| 7 |
Bankcard utilization:
| 82% | | |
| | |
Homeownership:
| No | | |
|
Screen name:
| unequivocal-platinum428 |
Borrower's state:
| NewHampshire |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Description
purchasing a motorbike
Purpose of loan: motorbike:)
This loan will be used to...
help build credit and obtain a fuel efficient means of transport
My financial situation: on a tight budget:)
I am a good candidate for this loan because...
I am responsible with my money today. I budget wisely and do my best to live within my means
Monthly net income: $3100
Monthly expenses: $1100
Housing: $275
Insurance: $55
Car expenses: $180
Utilities: $102
Phone, cable, internet: $30
Food, entertainment: $50
Clothing, household expenses: $80
Credit cards and other loans: $80
Other expenses: $100
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
579058
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
|
Amount:
| $7,000.00 |
Prosper Rating:
| C |
Listing Duration:
| 14 days
|
| |
Estimated loss*:
| 8.90% | | |
|
Term:
| 60 months | | | | |
|
|
Lender yield:
| 23.89% |
Borrower rate/APR:
| 24.89% / 27.46% |
Monthly payment:
| $205.01 |
| |
|
Lender servicing fee:
| 1.00% |
Effective Yield*:
| 23.32% | | |
| |
Estimated return*:
| 14.42% | | |
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
|
Prosper score (1-10):
| 7 |
First credit line:
| Dec-1998 |
Debt/Income ratio:
| 18% |
|
Credit score:
| 760-779 (Apr-2012) |
Inquiries last 6m:
| 1 | Employment status: | Employed |
|
Now delinquent:
| 0 |
Current / open credit lines:
| 15
/
13 | Length of status: | 4y 9m |
|
Amount delinquent:
| $0 |
Total credit lines:
| 45 |
Occupation: | Military Enlisted |
|
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $21,465 | Stated income: | $50,000-$74,999 |
|
Delinquencies in last 7y:
| 1 |
Bankcard utilization:
| 85% | | |
| | |
Homeownership:
| Yes | | |
|
Screen name:
| competent-finance299 |
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
Paying Bills
Purpose of loan:
This loan will be used to...
My financial situation:
I am a good candidate for this loan because...
Monthly net income: $ 4035
Monthly expenses: $ 3500
Housing: $ 1103.00
Insurance: $ 150.00
Car expenses: $ 590.00
Utilities: $ 300.00
Phone, cable, internet: $ 100.00
Food, entertainment: $ 250.00
Clothing, household expenses: $ 200.00
Credit cards and other loans: $ 350.00
Other expenses: $ 400.00
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
579062
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
|
Amount:
| $5,000.00 |
Prosper Rating:
| C |
Listing Duration:
| 14 days
|
| |
Estimated loss*:
| 8.80% | | |
|
Term:
| 12 months | | | | |
|
|
Lender yield:
| 14.76% |
Borrower rate/APR:
| 15.76% / 23.55% |
Monthly payment:
| $453.09 |
| |
|
Lender servicing fee:
| 1.00% |
Effective Yield*:
| 14.43% | | |
| |
Estimated return*:
| 5.63% | | |
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
|
Prosper score (1-10):
| 7 |
First credit line:
| Apr-2001 |
Debt/Income ratio:
| Not calculated |
|
Credit score:
| 640-659 (Apr-2012) |
Inquiries last 6m:
| 0 | Employment status: | Employed |
|
Now delinquent:
| 0 |
Current / open credit lines:
| 5
/
5 | Length of status: | 6y 7m |
|
Amount delinquent:
| $0 |
Total credit lines:
| 31 |
Occupation: | Retail Management |
|
Public records last 12m / 10y:
| 0/ 1 |
Revolving credit balance:
| $5,774 | Stated income: | $25,000-$49,999 |
|
Delinquencies in last 7y:
| 14 |
Bankcard utilization:
| 18% | | |
| | |
Homeownership:
| No | | |
|
Screen name:
| undaunted-diversification2 |
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
Home Improvement
No description is available.
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
579076
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
|
| |
Estimated loss*:
| 5.65% | | |
|
Term:
| 36 months | | | | |
|
|
Lender yield:
| 16.68% |
Borrower rate/APR:
| 17.68% / 21.37% |
Monthly payment:
| $539.88 |
| |
|
Lender servicing fee:
| 1.00% |
Effective Yield*:
| 16.39% | | |
| |
Estimated return*:
| 10.74% | | |
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
|
Prosper score (1-10):
| 8 |
First credit line:
| Jun-1991 |
Debt/Income ratio:
| 15% |
|
Credit score:
| 680-699 (Apr-2012) |
Inquiries last 6m:
| 0 | Employment status: | Employed |
|
Now delinquent:
| 0 |
Current / open credit lines:
| 13
/
10 | Length of status: | 1y 3m |
|
Amount delinquent:
| $0 |
Total credit lines:
| 46 |
Occupation: | Professional |
|
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $18,283 | Stated income: | $100,000+ |
|
Delinquencies in last 7y:
| 1 |
Bankcard utilization:
| 65% | | |
| | |
Homeownership:
| Yes | | |
|
Screen name:
| entertaining-pound4 |
Borrower's state:
| Kansas |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Description
Short term cash crunch
Purpose of loan:
This loan will be used to consolidate and smooth some payments
My financial situation:
I am a good candidate for this loan because ... Recently changed roles to one with a higher overall income, but a more lumpy payment stream. This is about smoothing through the peaks and valleys.
Monthly net income: $13,520 (averaged out)
Monthly expenses: $7,500
Housing: $1,914
Insurance: $94
Car expenses: $888
Utilities: $300
Phone, cable, internet: $185
Food, entertainment: $750
Clothing, household expenses: $750
Credit cards and other loans: $2500
Other expenses: $125
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
579084
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
|
| |
Estimated loss*:
| 3.30% | | |
|
Term:
| 60 months | | | | |
|
|
Lender yield:
| 14.51% |
Borrower rate/APR:
| 15.51% / 17.85% |
Monthly payment:
| $601.46 |
| |
|
Lender servicing fee:
| 1.00% |
Effective Yield*:
| 14.45% | | |
| |
Estimated return*:
| 11.15% | | |
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
|
Prosper score (1-10):
| 9 |
First credit line:
| May-2000 |
Debt/Income ratio:
| 10% |
|
Credit score:
| 760-779 (Apr-2012) |
Inquiries last 6m:
| 0 | Employment status: | Employed |
|
Now delinquent:
| 0 |
Current / open credit lines:
| 9
/
5 | Length of status: | 14y 10m |
|
Amount delinquent:
| $0 |
Total credit lines:
| 32 |
Occupation: | Construction |
|
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $817 | Stated income: | $75,000-$99,999 |
|
Delinquencies in last 7y:
| 3 |
Bankcard utilization:
| 10% | | |
| | |
Homeownership:
| Yes | | |
|
Screen name:
| lovely-fairness7 |
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
Home Improvment
Purpose of loan:
This loan will be used for the construction of a pool.
My financial situation:
I am a good candidate for this loan because I'm financially stable and have always satisfied all my debts.
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
579104
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
|
Amount:
| $3,000.00 |
Prosper Rating:
| D |
Listing Duration:
| 14 days
|
| |
Estimated loss*:
| 11.90% | | |
|
Term:
| 36 months | | | | |
|
|
Lender yield:
| 23.99% |
Borrower rate/APR:
| 24.99% / 28.85% |
Monthly payment:
| $119.26 |
| |
|
Lender servicing fee:
| 1.00% |
Effective Yield*:
| 23.40% | | |
| |
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):
| 5 |
First credit line:
| Jan-1987 |
Debt/Income ratio:
| Self-employed (DTI Not Calculated) |
|
Credit score:
| 720-739 (Mar-2012) |
Inquiries last 6m:
| 1 | Employment status: | Self-employed |
|
Now delinquent:
| 0 |
Current / open credit lines:
| 2
/
2 | Length of status: | 3y 10m |
|
Amount delinquent:
| $0 |
Total credit lines:
| 12 |
Occupation: | Professional |
|
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $3,938 | Stated income: | $100,000+ |
|
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 44% | | |
| | |
Homeownership:
| No | | |
|
Screen name:
| kitesrf100 |
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
Home improvements
No description is available.
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
579114
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
|
| |
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):
| 4 |
First credit line:
| Jun-2001 |
Debt/Income ratio:
| 18% |
|
Credit score:
| 720-739 (Apr-2012) |
Inquiries last 6m:
| 1 | Employment status: | Employed |
|
Now delinquent:
| 1 |
Current / open credit lines:
| 5
/
5 | Length of status: | 10y 9m |
|
Amount delinquent:
| $1,716 |
Total credit lines:
| 20 |
Occupation: | Police Officer/Corr... |
|
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $0 | Stated income: | $75,000-$99,999 |
|
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 0% | | |
| | |
Homeownership:
| Yes | | |
|
Screen name:
| bill-idol3 |
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
Home Improvements & Vehicle Repairs
This loan will be used to help with vehicle repairs and improvements on the house. I am also a good candidate for this loan because I have a secure job and steady income to cover the payments.
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
579150
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:
| A |
Listing Duration:
| 14 days
|
| |
Estimated loss*:
| 3.30% | | |
|
Term:
| 60 months | | | | |
|
|
Lender yield:
| 14.51% |
Borrower rate/APR:
| 15.51% / 17.85% |
Monthly payment:
| $192.47 |
| |
|
Lender servicing fee:
| 1.00% |
Effective Yield*:
| 14.45% | | |
| |
Estimated return*:
| 11.15% | | |
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
|
Prosper score (1-10):
| 9 |
First credit line:
| Dec-1995 |
Debt/Income ratio:
| 8% |
|
Credit score:
| 720-739 (Apr-2012) |
Inquiries last 6m:
| 0 | Employment status: | Employed |
|
Now delinquent:
| 0 |
Current / open credit lines:
| 6
/
6 | Length of status: | 17y 4m |
|
Amount delinquent:
| $0 |
Total credit lines:
| 20 |
Occupation: | Professional |
|
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $12,069 | Stated income: | $100,000+ |
|
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 92% | | |
| | |
Homeownership:
| Yes | | |
|
Screen name:
| productive-durability542 |
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
Home Improvement Loan
No description is available.
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
579156
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
|
| |
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-1999 |
Debt/Income ratio:
| 52% |
|
Credit score:
| 700-719 (Apr-2012) |
Inquiries last 6m:
| 0 | Employment status: | Employed |
|
Now delinquent:
| 0 |
Current / open credit lines:
| 4
/
4 | Length of status: | 0y 9m |
|
Amount delinquent:
| $0 |
Total credit lines:
| 7 |
Occupation: | Clerical |
|
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $36,253 | Stated income: | $1-$24,999 |
|
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 79% | | |
| | |
Homeownership:
| No | | |
|
Screen name:
| orange-worldly-commerce |
Borrower's state:
| Louisiana |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Description
Debt Consolidation & Taxes
No description is available.
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
579168
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
|
Amount:
| $5,000.00 |
Prosper Rating:
| A |
Listing Duration:
| 14 days
|
| |
Estimated loss*:
| 3.30% | | |
|
Term:
| 36 months | | | | |
|
|
Lender yield:
| 11.70% |
Borrower rate/APR:
| 12.70% / 15.54% |
Monthly payment:
| $167.75 |
| |
|
Lender servicing fee:
| 1.00% |
Effective Yield*:
| 11.66% | | |
| |
Estimated return*:
| 8.36% | | |
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
|
Prosper score (1-10):
| 9 |
First credit line:
| Aug-1999 |
Debt/Income ratio:
| 18% |
|
Credit score:
| 840-859 (Apr-2012) |
Inquiries last 6m:
| 0 | Employment status: | Employed |
|
Now delinquent:
| 0 |
Current / open credit lines:
| 8
/
7 | Length of status: | 3y 0m |
|
Amount delinquent:
| $0 |
Total credit lines:
| 23 |
Occupation: | Skilled Labor |
|
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $3,183 | Stated income: | $25,000-$49,999 |
|
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 11% | | |
| | |
Homeownership:
| Yes | | |
|
Screen name:
| wise-gain-creature |
Borrower's state:
| Michigan |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Description
Home Improvement Funds
Purpose of loan:
Build a deck on the back of my house.
My financial situation:
I always pay back the money I borrow and I am never late with payments. My household income exceeds $100,000.
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
579192
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
|
| |
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):
| 4 |
First credit line:
| Feb-1989 |
Debt/Income ratio:
| 26% |
|
Credit score:
| 660-679 (Apr-2012) |
Inquiries last 6m:
| 2 | Employment status: | Employed |
|
Now delinquent:
| 0 |
Current / open credit lines:
| 11
/
9 | Length of status: | 25y 10m |
|
Amount delinquent:
| $0 |
Total credit lines:
| 54 |
Occupation: | Engineer - Chemical |
|
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $28,424 | Stated income: | $75,000-$99,999 |
|
Delinquencies in last 7y:
| 2 |
Bankcard utilization:
| 97% | | |
| | |
Homeownership:
| No | | |
|
Screen name:
| thorough-deal257 |
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
No description is available.
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
573713
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
|
| |
Estimated loss*:
| 14.70% | | |
|
Term:
| 36 months | | | | |
|
|
Lender yield:
| 28.58% |
Borrower rate/APR:
| 29.58% / 33.55% |
Monthly payment:
| $168.89 |
| |
|
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:
| Sep-1994 |
Debt/Income ratio:
| 6% |
|
Credit score:
| 680-699 (Mar-2012) |
Inquiries last 6m:
| 0 | Employment status: | Employed |
|
Now delinquent:
| 1 |
Current / open credit lines:
| 2
/
2 | Length of status: | 5y 4m |
|
Amount delinquent:
| $2,524 |
Total credit lines:
| 13 |
Occupation: | Sales - Commission |
|
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $0 | Stated income: | $100,000+ |
|
Delinquencies in last 7y:
| 14 |
Bankcard utilization:
| 0% | | |
| | |
Homeownership:
| Yes | | |
|
Screen name:
| bold-treasure-dogwood |
Borrower's state:
| Tennessee |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Description
Home Improvement Loan
Purpose of loan:
This loan will be used to make improvements to my house.
My financial situation:
I am a good candidate for this loan because I make a significant amount of money.
Monthly net income: $10,600
Monthly expenses: $
Housing: $2300
Insurance: $120
Car expenses: $550
Utilities: $
Phone, cable, internet: $120
Food, entertainment: $
Clothing, household expenses: $
Credit cards and other loans: $
Other expenses: $
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
578035
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:
| C |
Listing Duration:
| 14 days
|
| |
Estimated loss*:
| 8.90% | | |
|
Term:
| 60 months | | | | |
|
|
Lender yield:
| 23.89% |
Borrower rate/APR:
| 24.89% / 27.46% |
Monthly payment:
| $292.87 |
| |
|
Lender servicing fee:
| 1.00% |
Effective Yield*:
| 23.32% | | |
| |
Estimated return*:
| 14.42% | | |
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
|
Prosper score (1-10):
| 7 |
First credit line:
| Jan-2002 |
Debt/Income ratio:
| 10% |
|
Credit score:
| 640-659 (Apr-2012) |
Inquiries last 6m:
| 1 | Employment status: | Employed |
|
Now delinquent:
| 1 |
Current / open credit lines:
| 5
/
5 | Length of status: | 16y 6m |
|
Amount delinquent:
| $149 |
Total credit lines:
| 26 |
Occupation: | Retail Management |
|
Public records last 12m / 10y:
| 0/ 1 |
Revolving credit balance:
| $1,241 | Stated income: | $25,000-$49,999 |
|
Delinquencies in last 7y:
| 28 |
Bankcard utilization:
| 50% | | |
| | |
Homeownership:
| No | | |
|
Screen name:
| vigilance-knickers1 |
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
Wedding loan
No description is available.
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
578281
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
|
Amount:
| $2,000.00 |
Prosper Rating:
| D |
Listing Duration:
| 14 days
|
| |
Estimated loss*:
| 9.90% | | |
|
Term:
| 36 months | | | | |
|
|
Lender yield:
| 21.87% |
Borrower rate/APR:
| 22.87% / 26.68% |
Monthly payment:
| $77.28 |
| |
|
Lender servicing fee:
| 1.00% |
Effective Yield*:
| 21.34% | | |
| |
Estimated return*:
| 11.44% | | |
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
|
Prosper score (1-10):
| 4 |
First credit line:
| Sep-1992 |
Debt/Income ratio:
| 39% |
|
Credit score:
| 600-619 (Apr-2012) |
Inquiries last 6m:
| 2 | Employment status: | Employed |
|
Now delinquent:
| 0 |
Current / open credit lines:
| 17
/
11 | Length of status: | 2y 2m |
|
Amount delinquent:
| $0 |
Total credit lines:
| 40 |
Occupation: | Computer Programmer |
|
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $7,960 | Stated income: | $50,000-$74,999 |
|
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 69% | | |
| | |
Homeownership:
| No | | |
|
Screen name:
| nba |
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.
Prosper Activity
| Loan history | Payment history | Credit score history |
|
Active / total loans:
| 1 / 2 |
On-time:
| 11 ( 100% )
| 600-619 (Latest)
|
|
Principal borrowed:
| $7,000.00 | < 31 days late:
| 0
( 0% )
| 700-719
(May-2011)
680-699
(Jan-2011)
|
|
Principal balance:
| $3,883.64 |
31+ days late:
| 0
( 0% )
|
|
Total payments billed:
| 11 | | |
Description
Short term expenses
Purpose of loan:
This loan will be used to...
Pay off tax bill, car servicing bill, some higher-interest credit card balances
My financial situation:
I am a good candidate for this loan because...
Monthly net income: $3396
Monthly expenses: $0
Housing: $700
Insurance: $35
Car expenses: $60
Utilities: $270
Phone, cable, internet: $38
Food, entertainment: $200
Clothing, household expenses: $0
Credit cards and other loans: $2000
Other expenses: $
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
578759
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
|
| |
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):
| 4 |
First credit line:
| Mar-1999 |
Debt/Income ratio:
| 32% |
|
Credit score:
| 660-679 (Apr-2012) |
Inquiries last 6m:
| 1 | Employment status: | Employed |
|
Now delinquent:
| 0 |
Current / open credit lines:
| 9
/
7 | Length of status: | 2y 6m |
|
Amount delinquent:
| $0 |
Total credit lines:
| 14 |
Occupation: | Other |
|
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $33,597 | Stated income: | $50,000-$74,999 |
|
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 101% | | |
| | |
Homeownership:
| Yes | | |
|
Screen name:
| p2ploan-labyrinth9 |
Borrower's state:
| Missouri |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Description
Debt Consolidating And purchase
No description is available.
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
578935
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
|
Amount:
| $2,500.00 |
Prosper Rating:
| A |
Listing Duration:
| 14 days
|
| |
Estimated loss*:
| 3.30% | | |
|
Term:
| 36 months | | | | |
|
|
Lender yield:
| 11.70% |
Borrower rate/APR:
| 12.70% / 15.54% |
Monthly payment:
| $83.87 |
| |
|
Lender servicing fee:
| 1.00% |
Effective Yield*:
| 11.66% | | |
| |
Estimated return*:
| 8.36% | | |
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
|
Prosper score (1-10):
| 8 |
First credit line:
| Oct-1988 |
Debt/Income ratio:
| 18% |
|
Credit score:
| 780-799 (Apr-2012) |
Inquiries last 6m:
| 1 | Employment status: | Employed |
|
Now delinquent:
| 0 |
Current / open credit lines:
| 16
/
15 | Length of status: | 4y 11m |
|
Amount delinquent:
| $0 |
Total credit lines:
| 33 |
Occupation: | Other |
|
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $20,242 | Stated income: | $50,000-$74,999 |
|
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 52% | | |
| | |
Homeownership:
| Yes | | |
|
Screen name:
| platinum-crescent1 |
Borrower's state:
| Wisconsin |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Description
Home Improvement Loan
No description is available.
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
578957
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
|
Amount:
| $3,000.00 |
Prosper Rating:
| D |
Listing Duration:
| 14 days
|
| |
Estimated loss*:
| 11.90% | | |
|
Term:
| 36 months | | | | |
|
|
Lender yield:
| 23.99% |
Borrower rate/APR:
| 24.99% / 28.85% |
Monthly payment:
| $119.26 |
| |
|
Lender servicing fee:
| 1.00% |
Effective Yield*:
| 23.40% | | |
| |
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):
| 6 |
First credit line:
| Feb-1994 |
Debt/Income ratio:
| 32% |
|
Credit score:
| 700-719 (Apr-2012) |
Inquiries last 6m:
| 0 | Employment status: | Employed |
|
Now delinquent:
| 0 |
Current / open credit lines:
| 10
/
9 | Length of status: | 6y 9m |
|
Amount delinquent:
| $0 |
Total credit lines:
| 40 |
Occupation: | Professor |
|
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $20,116 | Stated income: | $25,000-$49,999 |
|
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 87% | | |
| | |
Homeownership:
| Yes | | |
|
Screen name:
| loot-wahoo7 |
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
TAXES
Purpose of loan:
This loan will be used to...PAY TAXES
My financial situation: GOOD
I am a good candidate for this loan because...I PLAN ON PAYING BACK BY JULY
Monthly net income: $
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
578979
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
|
Amount:
| $2,000.00 |
Prosper Rating:
| HR |
Listing Duration:
| 14 days
|
| |
Estimated loss*:
| 16.50% | | |
|
Term:
| 36 months | | | | |
|
|
Lender yield:
| 30.77% |
Borrower rate/APR:
| 31.77% / 35.80% |
Monthly payment:
| $86.85 |
| |
|
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):
| 4 |
First credit line:
| Nov-1984 |
Debt/Income ratio:
| 7% |
|
Credit score:
| 740-759 (Apr-2012) |
Inquiries last 6m:
| 2 | Employment status: | Employed |
|
Now delinquent:
| 0 |
Current / open credit lines:
| 2
/
2 | Length of status: | 2y 9m |
|
Amount delinquent:
| $0 |
Total credit lines:
| 2 |
Occupation: | Sales - Retail |
|
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $0 | Stated income: | $50,000-$74,999 |
|
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 0% | | |
| | |
Homeownership:
| No | | |
|
Screen name:
| spirited-yield5 |
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
Personal Vacation
Purpose of loan:
to purchase a plane ticket and start building my credit
My financial situation:
I am a good candidate for this loan because i have a steady job and have good credit And would probably pay my loan back faster then expected
Monthly net income: $750.00
Monthly expenses: $662.00
Housing: $412.00
Insurance: $30.00
Car expenses: $0
Utilities: $60.00
Phone, cable, internet: $30.00
Food, entertainment: $80.00
Clothing, household expenses: $50.00
Credit cards and other loans: $0
Other expenses: $0
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
578987
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:
| AA |
Listing Duration:
| 14 days
|
| |
Estimated loss*:
| 1.00% | | |
|
Term:
| 36 months | | | | |
|
|
Lender yield:
| 6.49% |
Borrower rate/APR:
| 7.49% / 8.83% |
Monthly payment:
| $777.54 |
| |
|
Lender servicing fee:
| 1.00% |
Effective Yield*:
| 6.49% | | |
| |
Estimated return*:
| 5.49% | | |
* 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:
| Jan-1987 |
Debt/Income ratio:
| 16% |
|
Credit score:
| 780-799 (Apr-2012) |
Inquiries last 6m:
| 0 | Employment status: | Employed |
|
Now delinquent:
| 0 |
Current / open credit lines:
| 21
/
19 | Length of status: | 5y 2m |
|
Amount delinquent:
| $0 |
Total credit lines:
| 49 |
Occupation: | Executive |
|
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $82,774 | Stated income: | $100,000+ |
|
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 47% | | |
| | |
Homeownership:
| Yes | | |
|
Screen name:
| togethersales |
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.
Description
firs loan
Purpose of loan:
This loan will be used to...
pay off high credit card rates
My financial situation:
I am a good candidate for this loan because...
I am a high wage earner, I have never been late or have ever not paid my bills in over 40 years of handling my credit.
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
578995
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
|
| |
Estimated loss*:
| 14.70% | | |
|
Term:
| 60 months | | | | |
|
|
Lender yield:
| 32.04% |
Borrower rate/APR:
| 33.04% / 35.84% |
Monthly payment:
| $136.98 |
| |
|
Lender servicing fee:
| 1.00% |
Effective Yield*:
| 30.57% | | |
| |
Estimated return*:
| 15.87% | | |
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
|
Prosper score (1-10):
| 6 |
First credit line:
| Oct-2005 |
Debt/Income ratio:
| 11% |
|
Credit score:
| 660-679 (Apr-2012) |
Inquiries last 6m:
| 4 | Employment status: | Employed |
|
Now delinquent:
| 0 |
Current / open credit lines:
| 2
/
2 | Length of status: | 0y 3m |
|
Amount delinquent:
| $0 |
Total credit lines:
| 13 |
Occupation: | Professional |
|
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $2,530 | Stated income: | $75,000-$99,999 |
|
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 64% | | |
| | |
Homeownership:
| No | | |
|
Screen name:
| thrilling-benefit4 |
Borrower's state:
| California |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Description
personal loan
No description is available.
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
578999
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
|
Amount:
| $5,000.00 |
Prosper Rating:
| C |
Listing Duration:
| 14 days
|
| |
Estimated loss*:
| 8.90% | | |
|
Term:
| 36 months | | | | |
|
|
Lender yield:
| 20.48% |
Borrower rate/APR:
| 21.48% / 25.26% |
Monthly payment:
| $189.61 |
| |
|
Lender servicing fee:
| 1.00% |
Effective Yield*:
| 20.00% | | |
| |
Estimated return*:
| 11.10% | | |
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
|
Prosper score (1-10):
| 7 |
First credit line:
| Aug-2001 |
Debt/Income ratio:
| 2% |
|
Credit score:
| 700-719 (Apr-2012) |
Inquiries last 6m:
| 1 | Employment status: | Employed |
|
Now delinquent:
| 0 |
Current / open credit lines:
| 3
/
0 | Length of status: | 8y 10m |
|
Amount delinquent:
| $0 |
Total credit lines:
| 17 |
Occupation: | Medical Technician |
|
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $0 | Stated income: | $100,000+ |
|
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 0% | | |
| | |
Homeownership:
| No | | |
|
Screen name:
| rupee-oboe8 |
Borrower's state:
| Virginia |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Description
upgrade
No description is available.
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
579007
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
|
| |
Estimated loss*:
| 8.90% | | |
|
Term:
| 36 months | | | | |
|
|
Lender yield:
| 20.48% |
Borrower rate/APR:
| 21.48% / 25.26% |
Monthly payment:
| $151.69 |
| |
|
Lender servicing fee:
| 1.00% |
Effective Yield*:
| 20.00% | | |
| |
Estimated return*:
| 11.10% | | |
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
|
Prosper score (1-10):
| 7 |
First credit line:
| Aug-2005 |
Debt/Income ratio:
| 22% |
|
Credit score:
| 660-679 (Apr-2012) |
Inquiries last 6m:
| 0 | Employment status: | Employed |
|
Now delinquent:
| 0 |
Current / open credit lines:
| 5
/
5 | Length of status: | 5y 11m |
|
Amount delinquent:
| $0 |
Total credit lines:
| 11 |
Occupation: | Other |
|
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $7 | Stated income: | $25,000-$49,999 |
|
Delinquencies in last 7y:
| 14 |
Bankcard utilization:
| 1% | | |
| | |
Homeownership:
| Yes | | |
|
Screen name:
| economy-commando945 |
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
Escrow Shortage
No description is available.
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
579009
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
|
| |
Estimated loss*:
| 8.90% | | |
|
Term:
| 60 months | | | | |
|
|
Lender yield:
| 23.89% |
Borrower rate/APR:
| 24.89% / 27.46% |
Monthly payment:
| $439.30 |
| |
|
Lender servicing fee:
| 1.00% |
Effective Yield*:
| 23.32% | | |
| |
Estimated return*:
| 14.42% | | |
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
|
Prosper score (1-10):
| 7 |
First credit line:
| Jun-2000 |
Debt/Income ratio:
| 54% |
|
Credit score:
| 720-739 (Apr-2012) |
Inquiries last 6m:
| 0 | Employment status: | Employed |
|
Now delinquent:
| 0 |
Current / open credit lines:
| 6
/
5 | Length of status: | 9y 5m |
|
Amount delinquent:
| $0 |
Total credit lines:
| 13 |
Occupation: | Other |
|
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $7,721 | Stated income: | $1-$24,999 |
|
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 40% | | |
| | |
Homeownership:
| Yes | | |
|
Screen name:
| credit-reaction1 |
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
Fresh Start
Purpose of loan:
This loan will be used to...Pay off credit cards
My financial situation: fair
I am a good candidate for this loan because... I feel I am a responsible enough to pay back what I borrow.
Monthly net income: $1,736.00
Monthly expenses: $
Housing: $724.00
Insurance: $-
Car expenses: $200.00
Utilities: $76.00
Phone, cable, internet: $161.00
Food, entertainment: $100.00
Clothing, household expenses: $
Credit cards and other loans: $564.00
Other expenses: $-
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
579031
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
|
Amount:
| $2,500.00 |
Prosper Rating:
| HR |
Listing Duration:
| 14 days
|
| |
Estimated loss*:
| 16.50% | | |
|
Term:
| 36 months | | | | |
|
|
Lender yield:
| 30.77% |
Borrower rate/APR:
| 31.77% / 35.80% |
Monthly payment:
| $108.57 |
| |
|
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:
| Feb-2008 |
Debt/Income ratio:
| 5% |
|
Credit score:
| 680-699 (Apr-2012) |
Inquiries last 6m:
| 2 | Employment status: | Employed |
|
Now delinquent:
| 0 |
Current / open credit lines:
| 4
/
4 | Length of status: | 0y 8m |
|
Amount delinquent:
| $0 |
Total credit lines:
| 7 |
Occupation: | Laborer |
|
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $1,725 | Stated income: | $75,000-$99,999 |
|
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 0% | | |
| | |
Homeownership:
| No | | |
|
Screen name:
| loot-trombone6 |
Borrower's state:
| California |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Description
auto loan
Purpose of loan:
This loan will be used to fix car damage
My financial situation:
I am a good candidate for this loan because i will pay off the loan in a much faster pace
Monthly net income: $8000
Monthly expenses: $700
Housing: $300
Insurance: $100
Car expenses: $0
Utilities: $200
Phone, cable, internet: $20
Food, entertainment: $100
Clothing, household expenses: $30
Credit cards and other loans: $200
Other expenses: $0
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
579061
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
|
Amount:
| $5,000.00 |
Prosper Rating:
| C |
Listing Duration:
| 14 days
|
| |
Estimated loss*:
| 8.90% | | |
|
Term:
| 60 months | | | | |
|
|
Lender yield:
| 23.89% |
Borrower rate/APR:
| 24.89% / 27.46% |
Monthly payment:
| $146.43 |
| |
|
Lender servicing fee:
| 1.00% |
Effective Yield*:
| 23.32% | | |
| |
Estimated return*:
| 14.42% | | |
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
|
Prosper score (1-10):
| 6 |
First credit line:
| Jul-1993 |
Debt/Income ratio:
| 40% |
|
Credit score:
| 740-759 (Apr-2012) |
Inquiries last 6m:
| 0 | Employment status: | Employed |
|
Now delinquent:
| 2 |
Current / open credit lines:
| 7
/
7 | Length of status: | 3y 8m |
|
Amount delinquent:
| $591 |
Total credit lines:
| 27 |
Occupation: | Teacher |
|
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $8,081 | Stated income: | $50,000-$74,999 |
|
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 59% | | |
| | |
Homeownership:
| Yes | | |
|
Screen name:
| professional-capital882 |
Borrower's state:
| Texas |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Description
Home Improvements
Purpose of loan: swimming pool
This loan will be used to...provide a swimming pool for my daughters
My financial situation: Working and have great income
I am a good candidate for this loan because...I am a teacher and working everyday. I would like something to enjoy in the summers
Monthly net income: $ 4000
Monthly expenses: $ 2000
Housing: $ 1299.42
Insurance: $ 300
Car expenses: $ 399
Utilities: $ 300
Phone, cable, internet: $ 160
Food, entertainment: $ 200
Clothing, household expenses: $
Credit cards and other loans: $
Other expenses: $
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
579067
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
|
| |
Estimated loss*:
| 14.90% | | |
|
Term:
| 60 months | | | | |
|
|
Lender yield:
| 32.04% |
Borrower rate/APR:
| 33.04% / 35.84% |
Monthly payment:
| $136.98 |
| |
|
Lender servicing fee:
| 1.00% |
Effective Yield*:
| 30.57% | | |
| |
Estimated return*:
| 15.67% | | |
* 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):
| 1 |
First credit line:
| Feb-1985 |
Debt/Income ratio:
| 59% |
|
Credit score:
| 700-719 (Apr-2012) |
Inquiries last 6m:
| 3 | Employment status: | Other |
|
Now delinquent:
| 0 |
Current / open credit lines:
| 6
/
6 | Length of status: | 14y 10m |
|
Amount delinquent:
| $0 |
Total credit lines:
| 11 |
Occupation: | Other |
|
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $1,292 | Stated income: | $1-$24,999 |
|
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 0% | | |
| | |
Homeownership:
| No | | |
|
Screen name:
| keen-bid436 |
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.
Prosper Activity
| Loan history | Payment history | Credit score history |
|
Active / total loans:
| 1 / 1 |
On-time:
| 6 ( 100% )
| 700-719 (Latest)
|
|
Principal borrowed:
| $3,000.00 | < 31 days late:
| 0
( 0% )
| 740-759
(Sep-2011)
740-759
(Aug-2011)
|
|
Principal balance:
| $2,676.48 |
31+ days late:
| 0
( 0% )
|
|
Total payments billed:
| 6 | | |
Description
New Homeplace ...New Loan 101
Purpose of loan is to pay off present loan value and balance new utility deposit schedule. and other bills if needed.
My financial situation:
I am a good candidate for this loan because...have in addition to the payment and oprating capital. A large enough check to make this loan viaible.
Monthly net income: $1282.00
Monthly expenses: $490.$
Housing: $0
Insurance: $0
Car expenses: $100
Utilities: $included
Phone, cable, internet: $included
Food, entertainment: $202
Clothing, household expenses: $40
Credit cards and other loans: $130
Other expenses: $40
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
579079
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
|
| |
Estimated loss*:
| 14.70% | | |
|
Term:
| 36 months | | | | |
|
|
Lender yield:
| 28.58% |
Borrower rate/APR:
| 29.58% / 33.55% |
Monthly payment:
| $168.89 |
| |
|
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:
| Nov-1994 |
Debt/Income ratio:
| 29% |
|
Credit score:
| 640-659 (Apr-2012) |
Inquiries last 6m:
| 0 | Employment status: | Employed |
|
Now delinquent:
| 0 |
Current / open credit lines:
| 12
/
9 | Length of status: | 2y 7m |
|
Amount delinquent:
| $0 |
Total credit lines:
| 36 |
Occupation: | Retail Management |
|
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $13,946 | Stated income: | $50,000-$74,999 |
|
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 84% | | |
| | |
Homeownership:
| No | | |
|
Screen name:
| liberty-rapture0 |
Borrower's state:
| Connecticut |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Description
taxes
Purpose of loan:
This loan will be used to...
My financial situation:
I am a good candidate for this loan because...i have always met my financial obligations.
Monthly net income: $4100
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
579137
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
|
| |
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):
| 6 |
First credit line:
| Apr-1999 |
Debt/Income ratio:
| 16% |
|
Credit score:
| 640-659 (Apr-2012) |
Inquiries last 6m:
| 1 | Employment status: | Employed |
|
Now delinquent:
| 0 |
Current / open credit lines:
| 17
/
16 | Length of status: | 12y 5m |
|
Amount delinquent:
| $0 |
Total credit lines:
| 46 |
Occupation: | Accountant/CPA |
|
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $14,160 | Stated income: | $100,000+ |
|
Delinquencies in last 7y:
| 26 |
Bankcard utilization:
| 98% | | |
| | |
Homeownership:
| Yes | | |
|
Screen name:
| auction-solstice7 |
Borrower's state:
| Maryland |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Description
other
No description is available.
Information in the Description is not verified.