Listing Report:Supplement No. 30 dated Apr 28, 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
563090
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount:
| $6,500.00 |
Prosper Rating:
| B |
Listing Duration:
| 14 days
|
Minimum Amount to Fund:
| $4,550 |
Estimated loss*:
| 4.20% | | |
Term:
| 60 months | | | | |
|
Lender yield:
| 17.30% |
Borrower rate/APR:
| 18.30% / 20.71% |
Monthly payment:
| $166.12 |
|
Lender servicing fee:
| 1.00% |
Effective Yield*:
| 17.00% | | |
| |
Estimated return*:
| 12.80% | | |
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10):
| 5 |
First credit line:
| Apr-1994 |
Debt/Income ratio:
| Not calculated |
Credit score:
| 760-779 (Apr-2012) |
Inquiries last 6m:
| 0 | Employment status: | Employed |
Now delinquent:
| 0 |
Current / open credit lines:
| 19
/
18 | Length of status: | 5y 10m |
Amount delinquent:
| $0 |
Total credit lines:
| 40 |
Occupation: | Administrative Assi... |
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $22,858 | Stated income: | $25,000-$49,999 |
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 36% | | |
| |
Homeownership:
| Yes | | |
Screen name:
| yield-motor7 |
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.
Prosper Activity
Loan history | Payment history | Credit score history |
Active / total loans:
| 1 / 2 |
On-time:
| 32 ( 100% )
| 760-779 (Latest)
|
Principal borrowed:
| $11,500.00 | < 31 days late:
| 0
( 0% )
| 720-739
(Apr-2011)
720-739
(Jan-2011)
720-739
(Apr-2010)
|
Principal balance:
| $3,423.27 |
31+ days late:
| 0
( 0% )
|
Total payments billed:
| 32 | | |
Description
debt consolidation
No description is available.
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
571998
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount:
| $3,000.00 |
Prosper Rating:
| C |
Listing Duration:
| 14 days
|
Minimum Amount to Fund:
| $3,000 |
Estimated loss*:
| 8.90% | | |
Term:
| 36 months | | | | |
|
Lender yield:
| 20.48% |
Borrower rate/APR:
| 21.48% / 25.26% |
Monthly payment:
| $113.77 |
|
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:
| May-1993 |
Debt/Income ratio:
| 6% |
Credit score:
| 660-679 (Apr-2012) |
Inquiries last 6m:
| 3 | Employment status: | Employed |
Now delinquent:
| 0 |
Current / open credit lines:
| 2
/
2 | Length of status: | 14y 9m |
Amount delinquent:
| $0 |
Total credit lines:
| 25 |
Occupation: | Computer Programmer |
Public records last 12m / 10y:
| 0/ 1 |
Revolving credit balance:
| $266 | Stated income: | $25,000-$49,999 |
Delinquencies in last 7y:
| 12 |
Bankcard utilization:
| 28% | | |
| |
Homeownership:
| No | | |
Screen name:
| kin768 |
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: To redo my home and to make minor repairs
This loan will be used to...Better my living conditions
My financial situation: is strong and solid
I am a good candidate for this loan because...i have an excellent job history i've been with the same company for almost 15 years, i am on time with all my current bills and i am very responsible
Monthly net income: $2,150.00
Monthly expenses: $1,720.00
Housing: $875.00
Insurance: $125.00
Car expenses: $120.00
Utilities: $100.00
Phone, cable, internet: $100.00
Food, entertainment: $125.00
Clothing, household expenses: $125.00
Credit cards and other loans: $50.00
Other expenses: $100.00
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
580632
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount:
| $3,000.00 |
Prosper Rating:
| E |
Listing Duration:
| 14 days
|
Minimum Amount to Fund:
| $2,100 |
Estimated loss*:
| 14.70% | | |
Term:
| 36 months | | | | |
|
Lender yield:
| 28.58% |
Borrower rate/APR:
| 29.58% / 33.55% |
Monthly payment:
| $126.67 |
|
Lender servicing fee:
| 1.00% |
Effective Yield*:
| 27.27% | | |
| |
Estimated return*:
| 12.57% | | |
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10):
| 6 |
First credit line:
| Oct-2004 |
Debt/Income ratio:
| 32% |
Credit score:
| 660-679 (Apr-2012) |
Inquiries last 6m:
| 2 | Employment status: | Employed |
Now delinquent:
| 0 |
Current / open credit lines:
| 19
/
17 | Length of status: | 7y 8m |
Amount delinquent:
| $0 |
Total credit lines:
| 38 |
Occupation: | Nurse (RN) |
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $24,439 | Stated income: | $50,000-$74,999 |
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 61% | | |
| |
Homeownership:
| Yes | | |
Screen name:
| engaging-credit123 |
Borrower's state:
| Illinois |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Description
debt consolidation
Purpose of loan: debt consolidation
This loan will be used to... pay credit cards
My financial situation:
I am a good candidate for this loan because...
Monthly net income: $4500.00
Monthly expenses: $
Housing: $1800.00
Insurance: $80.00
Car expenses: $500.00
Utilities: $150.00
Phone, cable, internet: $140.00
Food, entertainment: $300.00
Clothing, household expenses: $200.00
Credit cards and other loans: $100.00
Other expenses: $40.00
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
582012
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount:
| $7,500.00 |
Prosper Rating:
| B |
Listing Duration:
| 14 days
|
Minimum Amount to Fund:
| $5,250 |
Estimated loss*:
| 4.20% | | |
Term:
| 36 months | | | | |
|
Lender yield:
| 13.69% |
Borrower rate/APR:
| 14.69% / 18.32% |
Monthly payment:
| $258.85 |
|
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):
| 6 |
First credit line:
| Dec-1998 |
Debt/Income ratio:
| 59% |
Credit score:
| 740-759 (Apr-2012) |
Inquiries last 6m:
| 1 | Employment status: | Employed |
Now delinquent:
| 0 |
Current / open credit lines:
| 20
/
18 | Length of status: | 6y 2m |
Amount delinquent:
| $0 |
Total credit lines:
| 35 |
Occupation: | Sales - Commission |
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $13,781 | Stated income: | $25,000-$49,999 |
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 24% | | |
| |
Homeownership:
| Yes | | |
Screen name:
| upright-revenue8 |
Borrower's state:
| Florida |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan history | Payment history | Credit score history |
Active / total loans:
| 1 / 1 |
On-time:
| 7 ( 100% )
| 740-759 (Latest)
|
Principal borrowed:
| $19,000.00 | < 31 days late:
| 0
( 0% )
| 800-819
(Aug-2011)
|
Principal balance:
| $17,437.73 |
31+ days late:
| 0
( 0% )
|
Total payments billed:
| 7 | | |
Description
Home improvement Loan
Purpose of loan: Home improvement Loan
This loan will be used to fix the kitchen floor (tile) that is old and in bad shape and also to fix the kitchen cabinets that are also in bad shape.
My financial situation: Very stable.
I am a good candidate for this loan because I have a very stable job (over 6 years) and I am very responsible person who pays on time my monthly expenses and debts. I also have a very good credit score and history that shows I am a reliable and responsible person.
I am choosing the loan for 3 years so I can finish repaying as soon as possible.
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
583098
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:
| C |
Listing Duration:
| 14 days
|
Minimum Amount to Fund:
| $2,500 |
Estimated loss*:
| 8.90% | | |
Term:
| 36 months | | | | |
|
Lender yield:
| 20.48% |
Borrower rate/APR:
| 21.48% / 25.26% |
Monthly payment:
| $94.80 |
|
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):
| 6 |
First credit line:
| Jul-1988 |
Debt/Income ratio:
| 15% |
Credit score:
| 720-739 (Apr-2012) |
Inquiries last 6m:
| 3 | Employment status: | Employed |
Now delinquent:
| 2 |
Current / open credit lines:
| 6
/
5 | Length of status: | 8y 7m |
Amount delinquent:
| $101 |
Total credit lines:
| 13 |
Occupation: | Police Officer/Corr... |
Public records last 12m / 10y:
| 0/ 1 |
Revolving credit balance:
| $1,084 | Stated income: | $25,000-$49,999 |
Delinquencies in last 7y:
| 1 |
Bankcard utilization:
| 12% | | |
| |
Homeownership:
| No | | |
Screen name:
| abundant-investment0 |
Borrower's state:
| Kentucky |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Description
Home improvements/consolidation
Purpose of loan: Some home improvements, painting, drapes, too pay off 2 other bills including atty fees for divorce.
This loan will be used to...
My financial situation: I don't have a lot of debt, want to get my score higher for the future.
I am a good candidate for this loan because... I have paid off a loan with another agency here recently.
Monthly net income: $
Monthly expenses: $
Housing: $
Insurance: $
Car expenses: $
Utilities: $
Phone, cable, internet: $
Food, entertainment: $
Clothing, household expenses: $
Credit cards and other loans: $
Other expenses: $
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
583356
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount:
| $2,000.00 |
Prosper Rating:
| D |
Listing Duration:
| 14 days
|
Minimum Amount to Fund:
| $2,000 |
Estimated loss*:
| 11.80% | | |
Term:
| 12 months | | | | |
|
Lender yield:
| 17.97% |
Borrower rate/APR:
| 18.97% / 26.82% |
Monthly payment:
| $184.28 |
|
Lender servicing fee:
| 1.00% |
Effective Yield*:
| 17.55% | | |
| |
Estimated return*:
| 5.75% | | |
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10):
| 6 |
First credit line:
| Aug-1996 |
Debt/Income ratio:
| 17% |
Credit score:
| 700-719 (Apr-2012) |
Inquiries last 6m:
| 1 | Employment status: | Employed |
Now delinquent:
| 0 |
Current / open credit lines:
| 6
/
6 | Length of status: | 5y 1m |
Amount delinquent:
| $0 |
Total credit lines:
| 17 |
Occupation: | Professional |
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $2,300 | Stated income: | $25,000-$49,999 |
Delinquencies in last 7y:
| 6 |
Bankcard utilization:
| 26% | | |
| |
Homeownership:
| No | | |
Screen name:
| green-thrilling-truth |
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
Cosmetic Surgery
No description is available.
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
583368
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount:
| $2,000.00 |
Prosper Rating:
| HR |
Listing Duration:
| 14 days
|
Minimum Amount to Fund:
| $2,000 |
Estimated loss*:
| 16.50% | | |
Term:
| 36 months | | | | |
|
Lender yield:
| 30.77% |
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):
| 5 |
First credit line:
| Aug-2006 |
Debt/Income ratio:
| 8% |
Credit score:
| 680-699 (Apr-2012) |
Inquiries last 6m:
| 1 | Employment status: | Employed |
Now delinquent:
| 2 |
Current / open credit lines:
| 2
/
2 | Length of status: | 0y 10m |
Amount delinquent:
| $698 |
Total credit lines:
| 13 |
Occupation: | Other |
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $2,125 | Stated income: | $25,000-$49,999 |
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 72% | | |
| |
Homeownership:
| No | | |
Screen name:
| kind-transparent-bazaar |
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
Moving Expenses
Purpose of loan: A stability for the costly initial prices of moving.
This loan will be used to...get over the hump of initial costs
My financial situation: Is good
I am a good candidate for this loan because...I am a hard worker dedicated to maintaining a good representation.
Monthly net income: $ 1700
Monthly expenses: $1500
Housing: $744/month
Insurance: $64.00/month
Car expenses: $200/month
Utilities: $75.00/month
Phone, cable, internet: $200/month
Food, entertainment: $150/month
Clothing, household expenses: $100/month
Credit cards and other loans: $50.00
Other expenses: $50.00
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
583398
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount:
| $4,000.00 |
Prosper Rating:
| HR |
Listing Duration:
| 14 days
|
Minimum Amount to Fund:
| $2,800 |
Estimated loss*:
| 16.50% | | |
Term:
| 36 months | | | | |
|
Lender yield:
| 30.77% |
Borrower rate/APR:
| 31.77% / 35.80% |
Monthly payment:
| $173.71 |
|
Lender servicing fee:
| 1.00% |
Effective Yield*:
| 28.96% | | |
| |
Estimated return*:
| 12.46% | | |
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10):
| 5 |
First credit line:
| Oct-1995 |
Debt/Income ratio:
| 62% |
Credit score:
| 660-679 (Apr-2012) |
Inquiries last 6m:
| 0 | Employment status: | Employed |
Now delinquent:
| 0 |
Current / open credit lines:
| 24
/
18 | Length of status: | 21y 0m |
Amount delinquent:
| $0 |
Total credit lines:
| 42 |
Occupation: | Other |
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $12,543 | Stated income: | $25,000-$49,999 |
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 56% | | |
| |
Homeownership:
| Yes | | |
Screen name:
| kinetic-credit711 |
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
Melissa's Loan
No description is available.
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
583410
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount:
| $12,000.00 |
Prosper Rating:
| D |
Listing Duration:
| 14 days
|
Minimum Amount to Fund:
| $8,400 |
Estimated loss*:
| 11.90% | | |
Term:
| 60 months | | | | |
|
Lender yield:
| 27.70% |
Borrower rate/APR:
| 28.70% / 31.38% |
Monthly payment:
| $378.71 |
|
Lender servicing fee:
| 1.00% |
Effective Yield*:
| 27.01% | | |
| |
Estimated return*:
| 15.11% | | |
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10):
| 5 |
First credit line:
| Jun-1984 |
Debt/Income ratio:
| Self-employed (DTI Not Calculated) |
Credit score:
| 800-819 (Apr-2012) |
Inquiries last 6m:
| 1 | Employment status: | Self-employed |
Now delinquent:
| 0 |
Current / open credit lines:
| 8
/
5 | Length of status: | 12y 1m |
Amount delinquent:
| $0 |
Total credit lines:
| 32 |
Occupation: | Civil Service |
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $1,359 | Stated income: | $1-$24,999 |
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 4% | | |
| |
Homeownership:
| Yes | | |
Screen name:
| sympathetic-penny1 |
Borrower's state:
| Minnesota |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Description
medical
No description is available.
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
583422
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount:
| $20,000.00 |
Prosper Rating:
| A |
Listing Duration:
| 14 days
|
Minimum Amount to Fund:
| $14,000 |
Estimated loss*:
| 2.00% | | |
Term:
| 60 months | | | | |
|
Lender yield:
| 12.85% |
Borrower rate/APR:
| 13.85% / 16.15% |
Monthly payment:
| $463.81 |
|
Lender servicing fee:
| 1.00% |
Effective Yield*:
| 12.80% | | |
| |
Estimated return*:
| 10.80% | | |
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10):
| 8 |
First credit line:
| Jul-1970 |
Debt/Income ratio:
| 42% |
Credit score:
| 760-779 (Apr-2012) |
Inquiries last 6m:
| 0 | Employment status: | Other |
Now delinquent:
| 0 |
Current / open credit lines:
| 24
/
20 | Length of status: | 2y 7m |
Amount delinquent:
| $0 |
Total credit lines:
| 69 |
Occupation: | Other |
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $24,354 | Stated income: | $50,000-$74,999 |
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 27% | | |
| |
Homeownership:
| Yes | | |
Screen name:
| cash-society2 |
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.
Prosper Activity
Loan history | Payment history | Credit score history |
Active / total loans:
| 0 / 1 |
On-time:
| 4 ( 100% )
| 760-779 (Latest)
|
Principal borrowed:
| $10,000.00 | < 31 days late:
| 0
( 0% )
| 820-839
(Aug-2011)
|
Principal balance:
| $0.00 |
31+ days late:
| 0
( 0% )
|
Total payments billed:
| 4 | | |
Description
Debt Consolidation/ Home Improvment
Purpose of loan:
This loan will be used to...Consolidate debt & home improvements
My financial situation:
I am a good candidate for this loan because...Credit Worthiness
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
583520
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount:
| $6,000.00 |
Prosper Rating:
| D |
Listing Duration:
| 14 days
|
Minimum Amount to Fund:
| $4,200 |
Estimated loss*:
| 11.90% | | |
Term:
| 36 months | | | | |
|
Lender yield:
| 23.99% |
Borrower rate/APR:
| 24.99% / 28.85% |
Monthly payment:
| $238.53 |
|
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:
| Sep-1999 |
Debt/Income ratio:
| 38% |
Credit score:
| 720-739 (Apr-2012) |
Inquiries last 6m:
| 1 | Employment status: | Employed |
Now delinquent:
| 0 |
Current / open credit lines:
| 7
/
6 | Length of status: | 0y 2m |
Amount delinquent:
| $0 |
Total credit lines:
| 31 |
Occupation: | Skilled Labor |
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $18,813 | Stated income: | $50,000-$74,999 |
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 63% | | |
| |
Homeownership:
| No | | |
Screen name:
| greenback-tremolo9 |
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
debt consoluation
Purpose of loan: combine bills
This loan will be used to...pay off bills
My financial situation: strong just could use a little room
I am a good candidate for this loan because...I have always paid my debt will use the money to make my siuation even more soild
Monthly net income: $3600
Monthly expenses: $
Housing: $700
Insurance: $115
Car expenses: $625
Utilities: $50
Phone, cable, internet: $110
Food, entertainment: $350
Clothing, household expenses: $
Credit cards and other loans: $5-600
Other expenses: $
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
583532
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount:
| $15,000.00 |
Prosper Rating:
| D |
Listing Duration:
| 14 days
|
Minimum Amount to Fund:
| $10,500 |
Estimated loss*:
| 11.90% | | |
Term:
| 60 months | | | | |
|
Lender yield:
| 27.70% |
Borrower rate/APR:
| 28.70% / 31.38% |
Monthly payment:
| $473.39 |
|
Lender servicing fee:
| 1.00% |
Effective Yield*:
| 27.01% | | |
| |
Estimated return*:
| 15.11% | | |
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10):
| 5 |
First credit line:
| Jun-1955 |
Debt/Income ratio:
| Self-employed (DTI Not Calculated) |
Credit score:
| 780-799 (Apr-2012) |
Inquiries last 6m:
| 2 | Employment status: | Self-employed |
Now delinquent:
| 0 |
Current / open credit lines:
| 19
/
16 | Length of status: | 12y 1m |
Amount delinquent:
| $0 |
Total credit lines:
| 41 |
Occupation: | Realtor |
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $6,474 | Stated income: | $50,000-$74,999 |
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 4% | | |
| |
Homeownership:
| No | | |
Screen name:
| cozy-camaraderi9 |
Borrower's state:
| California |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Description
medical needs
Purpose of loan: Medical Expense
This loan will be used to...Goods
My financial situation: EXSELENT
I am a good candidate for this loan because...
Monthly net income: $5000
Monthly expenses: $3000
Housing: $1000
Insurance: $500
Car expenses: $480
Utilities: $100
Phone, cable, internet: $200
Food, entertainment: $1000
Clothing, household expenses: $500
Credit cards and other loans: $1000
Other expenses: $1000
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
583538
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount:
| $2,000.00 |
Prosper Rating:
| D |
Listing Duration:
| 14 days
|
Minimum Amount to Fund:
| $2,000 |
Estimated loss*:
| 9.90% | | |
Term:
| 60 months | | | | |
|
Lender yield:
| 25.10% |
Borrower rate/APR:
| 26.10% / 28.70% |
Monthly payment:
| $60.00 |
|
Lender servicing fee:
| 1.00% |
Effective Yield*:
| 24.48% | | |
| |
Estimated return*:
| 14.58% | | |
* 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-2007 |
Debt/Income ratio:
| 22% |
Credit score:
| 640-659 (Apr-2012) |
Inquiries last 6m:
| 0 | Employment status: | Employed |
Now delinquent:
| 0 |
Current / open credit lines:
| 4
/
4 | Length of status: | 0y 11m |
Amount delinquent:
| $0 |
Total credit lines:
| 5 |
Occupation: | Other |
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $920 | Stated income: | $25,000-$49,999 |
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 92% | | |
| |
Homeownership:
| No | | |
Screen name:
| open-minded-principal |
Borrower's state:
| California |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan history | Payment history | Credit score history |
Active / total loans:
| 1 / 1 |
On-time:
| 17 ( 100% )
| 640-659 (Latest)
|
Principal borrowed:
| $6,000.00 | < 31 days late:
| 0
( 0% )
| 680-699
(Oct-2010)
|
Principal balance:
| $3,761.80 |
31+ days late:
| 0
( 0% )
|
Total payments billed:
| 17 | | |
Description
Need New Tires and to Consolidate
Purpose of loan: The purpose of this loan is to buy new tires for our car, which badly needs them. And also to buy new tires for our motorcylce, which had some metal showing. We use both of these vehicles to commute to work. Usually between 15-25miles a day.
This loan will be used to...
First, get new tires for the motorcycle, then new tires for the car. Then to pay off a little bit of our debt.
My financial situation:
I am a good candidate for this loan because I am dedicated and I work very hard.
I have a full time steady job. And I also paint on the side and have been steadily increasing my business. I plan on paying this loan off early as it was unexpected for me to need it now.
Monthly net income: $1900
Housing: $675
Insurance: $80
Utilities: $20
Phone, cable, internet: $100
Food, entertainment: $
Clothing, household expenses: $
Credit cards and other loans: $300
Other expenses: $
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
583574
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount:
| $15,000.00 |
Prosper Rating:
| B |
Listing Duration:
| 14 days
|
Minimum Amount to Fund:
| $10,500 |
Estimated loss*:
| 5.65% | | |
Term:
| 36 months | | | | |
|
Lender yield:
| 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-1999 |
Debt/Income ratio:
| 31% |
Credit score:
| 720-739 (Apr-2012) |
Inquiries last 6m:
| 1 | Employment status: | Employed |
Now delinquent:
| 0 |
Current / open credit lines:
| 19
/
18 | Length of status: | 0y 7m |
Amount delinquent:
| $0 |
Total credit lines:
| 40 |
Occupation: | Engineer - Electric... |
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $31,375 | Stated income: | $100,000+ |
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 44% | | |
| |
Homeownership:
| Yes | | |
Screen name:
| thriller7 |
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
Pay off credit cards
Purpose of loan: Debt elimination
My financial situation: Quality, never been late with anything. Employment situation is solid, work in the defense industry.
I am a good candidate for this loan because...I always pay my bills on time and more. Solid, hard worker with good credit and a stable work history.
Monthly net income: $100,000 plus bonus
Monthly expenses: $300
Housing: $780
Insurance: $110
Car expenses: $890
Utilities: $95
Phone, cable, internet: $39
Food, entertainment: $200
Clothing, household expenses: $75
Credit cards and other loans: $1000
Other expenses: $
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
583616
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount:
| $4,000.00 |
Prosper Rating:
| HR |
Listing Duration:
| 14 days
|
Minimum Amount to Fund:
| $2,800 |
Estimated loss*:
| 16.50% | | |
Term:
| 36 months | | | | |
|
Lender yield:
| 30.77% |
Borrower rate/APR:
| 31.77% / 35.80% |
Monthly payment:
| $173.71 |
|
Lender servicing fee:
| 1.00% |
Effective Yield*:
| 28.96% | | |
| |
Estimated return*:
| 12.46% | | |
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10):
| 4 |
First credit line:
| May-1987 |
Debt/Income ratio:
| Not calculated |
Credit score:
| 660-679 (Apr-2012) |
Inquiries last 6m:
| 2 | Employment status: | Employed |
Now delinquent:
| 1 |
Current / open credit lines:
| 8
/
8 | Length of status: | 30y 7m |
Amount delinquent:
| $0 |
Total credit lines:
| 30 |
Occupation: | Administrative Assi... |
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $12,355 | Stated income: | $75,000-$99,999 |
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 91% | | |
| |
Homeownership:
| No | | |
Screen name:
| excellent-penny0 |
Borrower's state:
| NewYork |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Description
Home Improvement Loan
Purpose of loan:
This loan will be used to... home improvement
My financial situation:
I am a good candidate for this loan because...I pay my bills on time.
Monthly net income: $
Monthly expenses: $
Housing: $
Insurance: $
Car expenses: $
Utilities: $
Phone, cable, internet: $
Food, entertainment: $
Clothing, household expenses: $
Credit cards and other loans: $
Other expenses: $
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
583630
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount:
| $2,000.00 |
Prosper Rating:
| B |
Listing Duration:
| 14 days
|
Minimum Amount to Fund:
| $2,000 |
Estimated loss*:
| 4.20% | | |
Term:
| 36 months | | | | |
|
Lender yield:
| 13.69% |
Borrower rate/APR:
| 14.69% / 18.32% |
Monthly payment:
| $69.03 |
|
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:
| Dec-1994 |
Debt/Income ratio:
| 12% |
Credit score:
| 720-739 (Apr-2012) |
Inquiries last 6m:
| 3 | Employment status: | Employed |
Now delinquent:
| 0 |
Current / open credit lines:
| 14
/
13 | Length of status: | 15y 11m |
Amount delinquent:
| $0 |
Total credit lines:
| 21 |
Occupation: | Other |
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $10,134 | Stated income: | $75,000-$99,999 |
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 36% | | |
| |
Homeownership:
| Yes | | |
Screen name:
| friendly-credit4 |
Borrower's state:
| California |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan history | Payment history | Credit score history |
Active / total loans:
| 0 / 1 |
On-time:
| 1 ( 100% )
| 720-739 (Latest)
|
Principal borrowed:
| $6,500.00 | < 31 days late:
| 0
( 0% )
| 740-759
(Oct-2011)
|
Principal balance:
| $0.00 |
31+ days late:
| 0
( 0% )
|
Total payments billed:
| 1 | | |
Description
Home Improvement...
Purpose of loan:
This loan will be used to...update to eco friendly appliances such as tankless water heater and finishing work.
My financial situation:
I am a good candidate for this loan because...I am responcible and pay my debts off . This would be my second time using prosper. I paid off first loan much faster than most which was less than a year.
Monthly net income: $6445.00
Monthly expenses: $
Housing: $1600
Insurance: included in mortgage and additional through railroad
Car expenses: $365
Utilities: $225
Phone, cable, internet: $200
Food, entertainment: $200
Clothing, household expenses: $
Credit cards and other loans: $185
Other expenses: $
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
583636
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount:
| $2,500.00 |
Prosper Rating:
| E |
Listing Duration:
| 14 days
|
Minimum Amount to Fund:
| $2,500 |
Estimated loss*:
| 14.70% | | |
Term:
| 36 months | | | | |
|
Lender yield:
| 28.58% |
Borrower rate/APR:
| 29.58% / 33.55% |
Monthly payment:
| $105.55 |
|
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:
| May-2008 |
Debt/Income ratio:
| 10% |
Credit score:
| 680-699 (Apr-2012) |
Inquiries last 6m:
| 2 | Employment status: | Other |
Now delinquent:
| 0 |
Current / open credit lines:
| 2
/
2 | Length of status: | 4y 10m |
Amount delinquent:
| $0 |
Total credit lines:
| 4 |
Occupation: | Other |
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $3,148 | Stated income: | $1-$24,999 |
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 25% | | |
| |
Homeownership:
| No | | |
Screen name:
| asset-jedi142 |
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
Cosmetic
Purpose of loan:
This loan will be used to...
My financial situation:
I am a good candidate for this loan because, i make my payments on time, I dont have other other debts. I am young with a very small credit history , but i have maintained the line if credit i have very well.
Monthly net income: $
Monthly expenses: $
Housing: $
Insurance: $
Car expenses: $
Utilities: $
Phone, cable, internet: $
Food, entertainment: $
Clothing, household expenses: $
Credit cards and other loans: $
Other expenses: $
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
583640
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount:
| $4,000.00 |
Prosper Rating:
| HR |
Listing Duration:
| 14 days
|
Minimum Amount to Fund:
| $2,800 |
Estimated loss*:
| 16.50% | | |
Term:
| 36 months | | | | |
|
Lender yield:
| 30.77% |
Borrower rate/APR:
| 31.77% / 35.80% |
Monthly payment:
| $173.71 |
|
Lender servicing fee:
| 1.00% |
Effective Yield*:
| 28.96% | | |
| |
Estimated return*:
| 12.46% | | |
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10):
| 5 |
First credit line:
| May-1999 |
Debt/Income ratio:
| Not calculated |
Credit score:
| 680-699 (Apr-2012) |
Inquiries last 6m:
| 1 | Employment status: | Other |
Now delinquent:
| 0 |
Current / open credit lines:
| 4
/
3 | Length of status: | 1y 7m |
Amount delinquent:
| $0 |
Total credit lines:
| 17 |
Occupation: | Other |
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $349 | Stated income: | $1-$24,999 |
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 36% | | |
| |
Homeownership:
| No | | |
Screen name:
| fearless-peace798 |
Borrower's state:
| Ohio |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Description
Debt Consolidation
Purpose of loan:
This loan will be used to...Debt Consolidation
My financial situation:
I am a good candidate for this loan because...I pay my debt commitments on time every month.
Monthly net income: $
Monthly expenses: $
Housing: $
Insurance: $
Car expenses: $
Utilities: $
Phone, cable, internet: $
Food, entertainment: $
Clothing, household expenses: $
Credit cards and other loans: $
Other expenses: $
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
583654
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount:
| $4,000.00 |
Prosper Rating:
| E |
Listing Duration:
| 14 days
|
Minimum Amount to Fund:
| $2,800 |
Estimated loss*:
| 14.70% | | |
Term:
| 36 months | | | | |
|
Lender yield:
| 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):
| 8 |
First credit line:
| May-1995 |
Debt/Income ratio:
| 12% |
Credit score:
| 640-659 (Apr-2012) |
Inquiries last 6m:
| 0 | Employment status: | Employed |
Now delinquent:
| 0 |
Current / open credit lines:
| 10
/
10 | Length of status: | 1y 0m |
Amount delinquent:
| $0 |
Total credit lines:
| 19 |
Occupation: | Sales - Commission |
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $6,216 | Stated income: | $100,000+ |
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 83% | | |
| |
Homeownership:
| No | | |
Screen name:
| responsibility-refresher8 |
Borrower's state:
| Utah |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Description
Debt Consolidation
Purpose of loan:
This loan will be used to...consolidate and pay off debts
My financial situation:
I am a good candidate for this loan because I have a stable job with an established company
Monthly net income: $5000
Monthly expenses: $4000
Housing: $1150
Insurance: $80
Car expenses: $400
Utilities: $80
Phone, cable, internet: $200
Food, entertainment: $1000
Clothing, household expenses: $100
Credit cards and other loans: $300
Other expenses: $100
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
583670
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount:
| $10,000.00 |
Prosper Rating:
| A |
Listing Duration:
| 14 days
|
Minimum Amount to Fund:
| $7,000 |
Estimated loss*:
| 3.30% | | |
Term:
| 36 months | | | | |
|
Lender yield:
| 11.70% |
Borrower rate/APR:
| 12.70% / 15.54% |
Monthly payment:
| $335.50 |
|
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:
| Apr-1983 |
Debt/Income ratio:
| 14% |
Credit score:
| 740-759 (Apr-2012) |
Inquiries last 6m:
| 0 | Employment status: | Employed |
Now delinquent:
| 0 |
Current / open credit lines:
| 6
/
6 | Length of status: | 2y 0m |
Amount delinquent:
| $0 |
Total credit lines:
| 15 |
Occupation: | Other |
Public records last 12m / 10y:
| 0/ 1 |
Revolving credit balance:
| $9,460 | Stated income: | $75,000-$99,999 |
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 77% | | |
| |
Homeownership:
| Yes | | |
Screen name:
| thorough-leverage120 |
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
Debt Consolidation
Purpose of loan:
This loan will be used to...
My financial situation:
I am a good candidate for this loan because...my goal is eliminate high interest debt, I am professionally employed with a consistent work history of greater than 20 years, I own my own home and have a consistent record of making monthly and timely payments.
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
577493
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:
| C |
Listing Duration:
| 14 days
|
Minimum Amount to Fund:
| $5,600 |
Estimated loss*:
| 8.90% | | |
Term:
| 60 months | | | | |
|
Lender yield:
| 23.89% |
Borrower rate/APR:
| 24.89% / 27.46% |
Monthly payment:
| $234.29 |
|
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-1986 |
Debt/Income ratio:
| 47% |
Credit score:
| 700-719 (Apr-2012) |
Inquiries last 6m:
| 0 | Employment status: | Employed |
Now delinquent:
| 0 |
Current / open credit lines:
| 10
/
10 | Length of status: | 25y 3m |
Amount delinquent:
| $0 |
Total credit lines:
| 21 |
Occupation: | Laborer |
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $26,067 | Stated income: | $50,000-$74,999 |
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 62% | | |
| |
Homeownership:
| No | | |
Screen name:
| flexible-integrity7 |
Borrower's state:
| Washington |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Description
Debt Consolidation
Purpose of loan:
This loan will be used to...Debt consolidation
My financial situation:
I am a good candidate for this loan because...
Monthly net income: $3000
Monthly expenses: $
Housing: $800
Insurance: $145
Car expenses: $510
Utilities: $50
Phone, cable, internet: $20
Food, entertainment: $100
Clothing, household expenses: $
Credit cards and other loans: $1000
Other expenses: $
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
580379
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:
| E |
Listing Duration:
| 14 days
|
Minimum Amount to Fund:
| $2,450 |
Estimated loss*:
| 14.70% | | |
Term:
| 60 months | | | | |
|
Lender yield:
| 32.04% |
Borrower rate/APR:
| 33.04% / 35.84% |
Monthly payment:
| $119.86 |
|
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:
| May-1996 |
Debt/Income ratio:
| 12% |
Credit score:
| 680-699 (Apr-2012) |
Inquiries last 6m:
| 1 | Employment status: | Employed |
Now delinquent:
| 0 |
Current / open credit lines:
| 3
/
2 | Length of status: | 3y 8m |
Amount delinquent:
| $0 |
Total credit lines:
| 15 |
Occupation: | Food Service |
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $702 | Stated income: | $1-$24,999 |
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 70% | | |
| |
Homeownership:
| Yes | | |
Screen name:
| independent-bonus349 |
Borrower's state:
| Minnesota |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Description
Home improvement
No description is available.
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
582825
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount:
| $2,500.00 |
Prosper Rating:
| E |
Listing Duration:
| 14 days
|
Minimum Amount to Fund:
| $2,500 |
Estimated loss*:
| 14.70% | | |
Term:
| 60 months | | | | |
|
Lender yield:
| 32.04% |
Borrower rate/APR:
| 33.04% / 35.84% |
Monthly payment:
| $85.61 |
|
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:
| Nov-1996 |
Debt/Income ratio:
| 19% |
Credit score:
| 660-679 (Apr-2012) |
Inquiries last 6m:
| 1 | Employment status: | Employed |
Now delinquent:
| 1 |
Current / open credit lines:
| 7
/
7 | Length of status: | 0y 6m |
Amount delinquent:
| $302 |
Total credit lines:
| 25 |
Occupation: | Other |
Public records last 12m / 10y:
| 0/ 1 |
Revolving credit balance:
| $8,178 | Stated income: | $50,000-$74,999 |
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 77% | | |
| |
Homeownership:
| Yes | | |
Screen name:
| brightest-adorable-dinero |
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
Needing a new transmission
Purpose of loan:
This loan will be used to rebuild my transmission. This vehicle is my sole source of transportation to my job.
My financial situation: I have a decent job, but illness has tapped my resources. The car breaking down is just the last straw.
I am a good candidate for this loan because I am a professional working woman. I make good money; my savings have just been depleted.
Monthly net income: $ 3600
Monthly expenses: $ 3300
Housing: $ 1200
Insurance: $ 220
Car expenses: $ 400
Utilities: $ 400
Phone, cable, internet: $ 130
Food, entertainment: $ 400
Clothing, household expenses: $ 150
Credit cards and other loans: $ 300
Other expenses: $ 100
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
583341
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount:
| $6,000.00 |
Prosper Rating:
| D |
Listing Duration:
| 14 days
|
Minimum Amount to Fund:
| $4,200 |
Estimated loss*:
| 9.90% | | |
Term:
| 36 months | | | | |
|
Lender yield:
| 21.87% |
Borrower rate/APR:
| 22.87% / 26.68% |
Monthly payment:
| $231.85 |
|
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):
| 6 |
First credit line:
| Feb-1996 |
Debt/Income ratio:
| 21% |
Credit score:
| 600-619 (Apr-2012) |
Inquiries last 6m:
| 0 | Employment status: | Employed |
Now delinquent:
| 2 |
Current / open credit lines:
| 9
/
6 | Length of status: | 11y 1m |
Amount delinquent:
| $4,107 |
Total credit lines:
| 35 |
Occupation: | Tradesman - Electri... |
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $855 | Stated income: | $75,000-$99,999 |
Delinquencies in last 7y:
| 7 |
Bankcard utilization:
| 68% | | |
| |
Homeownership:
| Yes | | |
Screen name:
| special-loyalty1 |
Borrower's state:
| Washington |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan history | Payment history | Credit score history |
Active / total loans:
| 0 / 1 |
On-time:
| 7 ( 100% )
| 600-619 (Latest)
|
Principal borrowed:
| $2,000.00 | < 31 days late:
| 0
( 0% )
| 640-659
(May-2011)
|
Principal balance:
| $0.00 |
31+ days late:
| 0
( 0% )
|
Total payments billed:
| 7 | | |
Description
Auto Loan-College Bound Daughter
Purpose of loan:
This loan will be used to...Purchase a used vehicle that will help her graduate with her AA and High School at the same time.
My financial situation:
I am a good candidate for this loan because we both have excellent full time jobs for many years.
Monthly net income: $6600
Monthly expenses: $
Housing: $2527
Insurance: $ 500
Car expenses: $ 400
Utilities: $187
Phone, cable, internet: $83
Food, entertainment: $800.00
Clothing, household expenses: $
Credit cards and other loans: $1500
Other expenses: $
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
583383
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:
| C |
Listing Duration:
| 14 days
|
Minimum Amount to Fund:
| $2,450 |
Estimated loss*:
| 8.90% | | |
Term:
| 36 months | | | | |
|
Lender yield:
| 20.48% |
Borrower rate/APR:
| 21.48% / 25.26% |
Monthly payment:
| $132.73 |
|
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):
| 6 |
First credit line:
| Oct-1993 |
Debt/Income ratio:
| Not calculated |
Credit score:
| 740-759 (Apr-2012) |
Inquiries last 6m:
| 4 | Employment status: | Employed |
Now delinquent:
| 0 |
Current / open credit lines:
| 9
/
8 | Length of status: | 7y 0m |
Amount delinquent:
| $0 |
Total credit lines:
| 39 |
Occupation: | Sales - Commission |
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $12,340 | Stated income: | $50,000-$74,999 |
Delinquencies in last 7y:
| 11 |
Bankcard utilization:
| 33% | | |
| |
Homeownership:
| No | | |
Screen name:
| funds-banker5 |
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
i just Starting New Business
Purpose of loan:
This loan will be used to...
My financial situation:
I am a good candidate for this loan because...
Monthly net income: $4500
Monthly expenses: $
Housing: $750
Insurance: $89
Car expenses: $460
Utilities: $110
Phone, cable, internet: $120
Food, entertainment: $50
Clothing, household expenses: $
Credit cards and other loans: 18000
Other expenses: $
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
583389
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount:
| $3,000.00 |
Prosper Rating:
| E |
Listing Duration:
| 14 days
|
Minimum Amount to Fund:
| $3,000 |
Estimated loss*:
| 14.70% | | |
Term:
| 36 months | | | | |
|
Lender yield:
| 28.58% |
Borrower rate/APR:
| 29.58% / 33.55% |
Monthly payment:
| $126.67 |
|
Lender servicing fee:
| 1.00% |
Effective Yield*:
| 27.27% | | |
| |
Estimated return*:
| 12.57% | | |
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10):
| 6 |
First credit line:
| Jun-1993 |
Debt/Income ratio:
| 15% |
Credit score:
| 660-679 (Apr-2012) |
Inquiries last 6m:
| 0 | Employment status: | Employed |
Now delinquent:
| 1 |
Current / open credit lines:
| 1
/
1 | Length of status: | 14y 11m |
Amount delinquent:
| $16,255 |
Total credit lines:
| 25 |
Occupation: | Retail Management |
Public records last 12m / 10y:
| 0/ 1 |
Revolving credit balance:
| $0 | Stated income: | $25,000-$49,999 |
Delinquencies in last 7y:
| 18 |
Bankcard utilization:
| 0% | | |
| |
Homeownership:
| Yes | | |
Screen name:
| unconquerable-gold6 |
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
Personal Loan
No description is available.
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
583437
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount:
| $12,000.00 |
Prosper Rating:
| A |
Listing Duration:
| 14 days
|
Minimum Amount to Fund:
| $8,400 |
Estimated loss*:
| 2.00% | | |
Term:
| 60 months | | | | |
|
Lender yield:
| 12.85% |
Borrower rate/APR:
| 13.85% / 16.15% |
Monthly payment:
| $278.29 |
|
Lender servicing fee:
| 1.00% |
Effective Yield*:
| 12.80% | | |
| |
Estimated return*:
| 10.80% | | |
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10):
| 8 |
First credit line:
| Dec-1997 |
Debt/Income ratio:
| 9% |
Credit score:
| 660-679 (Apr-2012) |
Inquiries last 6m:
| 0 | Employment status: | Employed |
Now delinquent:
| 0 |
Current / open credit lines:
| 9
/
9 | Length of status: | 12y 3m |
Amount delinquent:
| $0 |
Total credit lines:
| 28 |
Occupation: | Construction |
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $14,854 | Stated income: | $100,000+ |
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 94% | | |
| |
Homeownership:
| Yes | | |
Screen name:
| Buildur |
Borrower's state:
| Florida |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan history | Payment history | Credit score history |
Active / total loans:
| 1 / 1 |
On-time:
| 9 ( 100% )
| 660-679 (Latest)
|
Principal borrowed:
| $5,000.00 | < 31 days late:
| 0
( 0% )
| 680-699
(Jun-2011)
700-719
(May-2011)
|
Principal balance:
| $3,829.14 |
31+ days late:
| 0
( 0% )
|
Total payments billed:
| 9 | | |
Description
One Payment
Purpose of loan:
This loan will be used to consolidate my debt (pay off existing prosper loan) and lower my other payments.
My financial situation:
I am a good candidate for this loan because I am an existing Prosper Borrower and have consistently paid my obligation on time or earlier. I am an 11 year employee of The Weitz Co. LLC. Transferred to our subsidiary Watts Constructors in Guam building the new Navy Hospital, there with a lucrative stay bonus. My home is in Florida which I commute home to several times a year. This loan will help me manage my budget here in Guam.
Monthly net income: $8,000
Monthly expenses: (Guam and Florida)
Housing: $2,700
Insurance: $250
Car expenses: $500
Utilities: $450
Phone, cable, internet: $250
Food, entertainment: $600
Clothing, household expenses: $500
Credit cards and other loans: $450
Other expenses: $300
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
583473
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount:
| $4,000.00 |
Prosper Rating:
| HR |
Listing Duration:
| 14 days
|
Minimum Amount to Fund:
| $2,800 |
Estimated loss*:
| 16.50% | | |
Term:
| 36 months | | | | |
|
Lender yield:
| 30.77% |
Borrower rate/APR:
| 31.77% / 35.80% |
Monthly payment:
| $173.71 |
|
Lender servicing fee:
| 1.00% |
Effective Yield*:
| 28.96% | | |
| |
Estimated return*:
| 12.46% | | |
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10):
| 4 |
First credit line:
| Nov-2001 |
Debt/Income ratio:
| 6% |
Credit score:
| 660-679 (Apr-2012) |
Inquiries last 6m:
| 2 | Employment status: | Employed |
Now delinquent:
| 0 |
Current / open credit lines:
| 1
/
0 | Length of status: | 3y 0m |
Amount delinquent:
| $0 |
Total credit lines:
| 14 |
Occupation: | Laborer |
Public records last 12m / 10y:
| 0/ 2 |
Revolving credit balance:
| $0 | Stated income: | $25,000-$49,999 |
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 0% | | |
| |
Homeownership:
| No | | |
Screen name:
| worthy-kindness4 |
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
starting new business
No description is available.
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
583495
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount:
| $15,000.00 |
Prosper Rating:
| C |
Listing Duration:
| 14 days
|
Minimum Amount to Fund:
| $10,500 |
Estimated loss*:
| 8.90% | | |
Term:
| 60 months | | | | |
|
Lender yield:
| 23.89% |
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:
| Jan-1995 |
Debt/Income ratio:
| 23% |
Credit score:
| 660-679 (Apr-2012) |
Inquiries last 6m:
| 1 | Employment status: | Employed |
Now delinquent:
| 0 |
Current / open credit lines:
| 11
/
11 | Length of status: | 2y 8m |
Amount delinquent:
| $0 |
Total credit lines:
| 19 |
Occupation: | Analyst |
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $115,738 | Stated income: | $100,000+ |
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 87% | | |
| |
Homeownership:
| Yes | | |
Screen name:
| agreement-pro2 |
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
Fresh Start Debt Consolidation
Purpose of loan:
This loan will be used to pay off debts with a high minimum payment related to a recent emergency. I strive to live within my means and this is the first time I've found myself in a situation where 1) I actually needed a loan and 2) because of number 1, the banks won't help me get one.
My financial situation:
I am a home owner with a steady income and a stable, uninterrupted 12 year employment history. Annual income is $120K individually and $200K household.
This is the first time I've encountered peer-to-peer lending, and I really like the concept - Once I get through this current situation, I think I'd like to help others as a lender.
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
583529
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount:
| $2,500.00 |
Prosper Rating:
| B |
Listing Duration:
| 14 days
|
Minimum Amount to Fund:
| $2,500 |
Estimated loss*:
| 5.65% | | |
Term:
| 36 months | | | | |
|
Lender yield:
| 16.68% |
Borrower rate/APR:
| 17.68% / 21.37% |
Monthly payment:
| $89.98 |
|
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:
| Jun-1991 |
Debt/Income ratio:
| 15% |
Credit score:
| 720-739 (Apr-2012) |
Inquiries last 6m:
| 0 | Employment status: | Employed |
Now delinquent:
| 1 |
Current / open credit lines:
| 14
/
10 | Length of status: | 14y 9m |
Amount delinquent:
| $855 |
Total credit lines:
| 39 |
Occupation: | Executive |
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $6,848 | Stated income: | $100,000+ |
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 17% | | |
| |
Homeownership:
| Yes | | |
Screen name:
| director56 |
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
Unexpected Bills
Purpose of loan: Pay off bills
My financial situation: Good
I am a good candidate for this loan because... I pay my debts.
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
583533
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount:
| $15,000.00 |
Prosper Rating:
| D |
Listing Duration:
| 14 days
|
Minimum Amount to Fund:
| $10,500 |
Estimated loss*:
| 11.90% | | |
Term:
| 60 months | | | | |
|
Lender yield:
| 27.70% |
Borrower rate/APR:
| 28.70% / 31.38% |
Monthly payment:
| $473.39 |
|
Lender servicing fee:
| 1.00% |
Effective Yield*:
| 27.01% | | |
| |
Estimated return*:
| 15.11% | | |
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10):
| 5 |
First credit line:
| Jul-1997 |
Debt/Income ratio:
| Not calculated |
Credit score:
| 720-739 (Apr-2012) |
Inquiries last 6m:
| 1 | Employment status: | Employed |
Now delinquent:
| 0 |
Current / open credit lines:
| 10
/
10 | Length of status: | 10y 8m |
Amount delinquent:
| $0 |
Total credit lines:
| 32 |
Occupation: | Teacher |
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $14,532 | Stated income: | $50,000-$74,999 |
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 40% | | |
| |
Homeownership:
| No | | |
Screen name:
| encouraging-reward2 |
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
DEBT CONSOLIDATION
Purpose of loan: DEBT CONSOLIDATION
This loan will be used to...
My financial situation:
I am a good candidate for this loan because...
Monthly net income: $
Monthly expenses: $
Housing: $
Insurance: $
Car expenses: $
Utilities: $
Phone, cable, internet: $
Food, entertainment: $
Clothing, household expenses: $
Credit cards and other loans: $
Other expenses: $
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
583577
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount:
| $6,000.00 |
Prosper Rating:
| C |
Listing Duration:
| 14 days
|
Minimum Amount to Fund:
| $6,000 |
Estimated loss*:
| 8.90% | | |
Term:
| 60 months | | | | |
|
Lender yield:
| 23.89% |
Borrower rate/APR:
| 24.89% / 27.46% |
Monthly payment:
| $175.72 |
|
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:
| Oct-2003 |
Debt/Income ratio:
| 21% |
Credit score:
| 660-679 (Apr-2012) |
Inquiries last 6m:
| 0 | Employment status: | Employed |
Now delinquent:
| 0 |
Current / open credit lines:
| 19
/
15 | Length of status: | 4y 10m |
Amount delinquent:
| $0 |
Total credit lines:
| 30 |
Occupation: | Professional |
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $19,117 | Stated income: | $100,000+ |
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 78% | | |
| |
Homeownership:
| No | | |
Screen name:
| epic-capital3 |
Borrower's state:
| Oregon |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Description
Debit Consolidation
Purpose of loan:
This loan will be used to pay off three credit cards and lower my monthly payments
My financial situation:
I am a good candidate for this loan because I have the means to pay the loan off and intend to use the funds wisely (i.e. to pay off expensive debt) My credit score is not very good because of my debt to income ratio which was cause by irresponsible spending. I have no bankruptcies or delinquencies.
I have a very stable job in a large Fortune 200 company. My income is supplemented by a decent bonus which I have always received based on my performance.
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
583627
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount:
| $4,000.00 |
Prosper Rating:
| E |
Listing Duration:
| 14 days
|
Minimum Amount to Fund:
| $2,800 |
Estimated loss*:
| 14.90% | | |
Term:
| 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:
| Aug-1995 |
Debt/Income ratio:
| 18% |
Credit score:
| 620-639 (Apr-2012) |
Inquiries last 6m:
| 14 | Employment status: | Employed |
Now delinquent:
| 0 |
Current / open credit lines:
| 17
/
8 | Length of status: | 11y 1m |
Amount delinquent:
| $0 |
Total credit lines:
| 67 |
Occupation: | Executive |
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $25,181 | Stated income: | $75,000-$99,999 |
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 100% | | |
| |
Homeownership:
| No | | |
Screen name:
| Lernis |
Borrower's state:
| Florida |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan history | Payment history | Credit score history |
Active / total loans:
| 0 / 2 |
On-time:
| 19 ( 100% )
| 620-639 (Latest)
|
Principal borrowed:
| $2,500.00 | < 31 days late:
| 0
( 0% )
| 600-619
(Nov-2010)
640-659
(May-2010)
580-599
(Sep-2008)
620-639
(Mar-2008)
|
Principal balance:
| $0.00 |
31+ days late:
| 0
( 0% )
|
Total payments billed:
| 19 | | |
Description
debt consoldation
very basically prosper works....I have had three previous loans and all have been satisfied early while paying off high balances and rates. This loan will be no exception and will pay off a credit card which I have closed.
Also please note the below information. My debt has decreased 10K over the past few months, also my rating has increased to E from HR, also my credit score has climbed up.....help me to achieve the next raise in my credit score.
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
583639
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount:
| $15,000.00 |
Prosper Rating:
| B |
Listing Duration:
| 14 days
|
Minimum Amount to Fund:
| $10,500 |
Estimated loss*:
| 5.65% | | |
Term:
| 36 months | | | | |
|
Lender yield:
| 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:
| Dec-1994 |
Debt/Income ratio:
| 18% |
Credit score:
| 740-759 (Apr-2012) |
Inquiries last 6m:
| 0 | Employment status: | Employed |
Now delinquent:
| 0 |
Current / open credit lines:
| 4
/
3 | Length of status: | 6y 6m |
Amount delinquent:
| $0 |
Total credit lines:
| 9 |
Occupation: | Administrative Assi... |
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $248 | Stated income: | $50,000-$74,999 |
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 14% | | |
| |
Homeownership:
| No | | |
Screen name:
| responsibility-fields7 |
Borrower's state:
| Indiana |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Description
Business Loan
Purpose of loan:
This loan will be used to...buy a business.
My financial situation:
I am a good candidate for this loan because...I have stable employement and earning potential.
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
583645
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount:
| $4,000.00 |
Prosper Rating:
| E |
Listing Duration:
| 14 days
|
Minimum Amount to Fund:
| $2,800 |
Estimated loss*:
| 14.90% | | |
Term:
| 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:
| Nov-1998 |
Debt/Income ratio:
| 39% |
Credit score:
| 600-619 (Apr-2012) |
Inquiries last 6m:
| 2 | Employment status: | Employed |
Now delinquent:
| 0 |
Current / open credit lines:
| 6
/
4 | Length of status: | 6y 1m |
Amount delinquent:
| $0 |
Total credit lines:
| 37 |
Occupation: | Other |
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $714 | Stated income: | $25,000-$49,999 |
Delinquencies in last 7y:
| 7 |
Bankcard utilization:
| 102% | | |
| |
Homeownership:
| No | | |
Screen name:
| marquett |
Borrower's state:
| Maryland |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan history | Payment history | Credit score history |
Active / total loans:
| 0 / 1 |
On-time:
| 19 ( 63% )
| 600-619 (Latest)
|
Principal borrowed:
| $1,000.00 | < 31 days late:
| 10
( 33% )
| 540-559
(Aug-2008)
540-559
(Jul-2008)
560-579
(May-2008)
520-539
(Jan-2008)
|
Principal balance:
| $0.01 |
31+ days late:
| 1
( 3% )
|
Total payments billed:
| 30 | | |
Description
Wedding
No description is available.
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
583651
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount:
| $5,000.00 |
Prosper Rating:
| D |
Listing Duration:
| 14 days
|
Minimum Amount to Fund:
| $3,500 |
Estimated loss*:
| 11.90% | | |
Term:
| 60 months | | | | |
|
Lender yield:
| 27.70% |
Borrower rate/APR:
| 28.70% / 31.38% |
Monthly payment:
| $157.80 |
|
Lender servicing fee:
| 1.00% |
Effective Yield*:
| 27.01% | | |
| |
Estimated return*:
| 15.11% | | |
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10):
| 5 |
First credit line:
| Apr-1994 |
Debt/Income ratio:
| 15% |
Credit score:
| 800-819 (Apr-2012) |
Inquiries last 6m:
| 6 | Employment status: | Employed |
Now delinquent:
| 0 |
Current / open credit lines:
| 8
/
7 | Length of status: | 6y 6m |
Amount delinquent:
| $0 |
Total credit lines:
| 26 |
Occupation: | Other |
Public records last 12m / 10y:
| 0/ 3 |
Revolving credit balance:
| $1,692 | Stated income: | $25,000-$49,999 |
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 38% | | |
| |
Homeownership:
| Yes | | |
Screen name:
| agile-integrity9 |
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
bill payoff
Purpose of loan:
This loan will be used to...
My financial situation:
I am a good candidate for this loan because...
Monthly net income: $3200.
Monthly expenses: $
Housing: $1400.
Insurance: $95.00
Car expenses: $60.00
Utilities: $174.00
Phone, cable, internet: $200.
Food, entertainment: $250.00
Clothing, household expenses: $
Credit cards and other loans: $100.
Other expenses: $
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
583655
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount:
| $5,000.00 |
Prosper Rating:
| D |
Listing Duration:
| 14 days
|
Minimum Amount to Fund:
| $3,500 |
Estimated loss*:
| 11.90% | | |
Term:
| 60 months | | | | |
|
Lender yield:
| 27.70% |
Borrower rate/APR:
| 28.70% / 31.38% |
Monthly payment:
| $157.80 |
|
Lender servicing fee:
| 1.00% |
Effective Yield*:
| 27.01% | | |
| |
Estimated return*:
| 15.11% | | |
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10):
| 5 |
First credit line:
| Nov-1990 |
Debt/Income ratio:
| 66% |
Credit score:
| 720-739 (Apr-2012) |
Inquiries last 6m:
| 0 | Employment status: | Employed |
Now delinquent:
| 0 |
Current / open credit lines:
| 12
/
11 | Length of status: | 20y 11m |
Amount delinquent:
| $0 |
Total credit lines:
| 37 |
Occupation: | Engineer - Mechanic... |
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $36,285 | Stated income: | $25,000-$49,999 |
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 92% | | |
| |
Homeownership:
| Yes | | |
Screen name:
| order-oath9 |
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
credit card other loan
No description is available.
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
583669
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount:
| $7,000.00 |
Prosper Rating:
| A |
Listing Duration:
| 14 days
|
Minimum Amount to Fund:
| $4,900 |
Estimated loss*:
| 3.30% | | |
Term:
| 36 months | | | | |
|
Lender yield:
| 11.70% |
Borrower rate/APR:
| 12.70% / 15.54% |
Monthly payment:
| $234.85 |
|
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:
| Mar-1984 |
Debt/Income ratio:
| 6% |
Credit score:
| 740-759 (Apr-2012) |
Inquiries last 6m:
| 3 | Employment status: | Employed |
Now delinquent:
| 0 |
Current / open credit lines:
| 5
/
5 | Length of status: | 0y 2m |
Amount delinquent:
| $0 |
Total credit lines:
| 33 |
Occupation: | Food Service Manage... |
Public records last 12m / 10y:
| 0/ 1 |
Revolving credit balance:
| $3,075 | Stated income: | $50,000-$74,999 |
Delinquencies in last 7y:
| 9 |
Bankcard utilization:
| 12% | | |
| |
Homeownership:
| No | | |
Screen name:
| graceful-wampum0 |
Borrower's state:
| Kentucky |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Description
Erin medical
No description is available.
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
583693
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount:
| $6,500.00 |
Prosper Rating:
| D |
Listing Duration:
| 14 days
|
Minimum Amount to Fund:
| $4,550 |
Estimated loss*:
| 9.90% | | |
Term:
| 60 months | | | | |
|
Lender yield:
| 25.10% |
Borrower rate/APR:
| 26.10% / 28.70% |
Monthly payment:
| $195.00 |
|
Lender servicing fee:
| 1.00% |
Effective Yield*:
| 24.48% | | |
| |
Estimated return*:
| 14.58% | | |
* 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-2000 |
Debt/Income ratio:
| 49% |
Credit score:
| 620-639 (Apr-2012) |
Inquiries last 6m:
| 0 | Employment status: | Employed |
Now delinquent:
| 0 |
Current / open credit lines:
| 21
/
21 | Length of status: | 4y 8m |
Amount delinquent:
| $0 |
Total credit lines:
| 46 |
Occupation: | Other |
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $22,656 | Stated income: | $50,000-$74,999 |
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 72% | | |
| |
Homeownership:
| No | | |
Screen name:
| leftyqueen |
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.
Prosper Activity
Loan history | Payment history | Credit score history |
Active / total loans:
| 1 / 2 |
On-time:
| 34 ( 100% )
| 620-639 (Latest)
|
Principal borrowed:
| $9,000.00 | < 31 days late:
| 0
( 0% )
| 660-679
(Oct-2010)
600-619
(Sep-2009)
600-619
(Apr-2008)
|
Principal balance:
| $3,414.95 |
31+ days late:
| 0
( 0% )
|
Total payments billed:
| 34 | | |
Description
Computer purchase and debt payoff
Purpose of loan:
This loan will be used to purchase a new computer and also pay off and pay down some other bills.
My financial situation:
I am a good candidate for this loan because I've been employed by a very stable company for almost 5 years and I'm currently in a management position. I'm never late on any payments and my monthly income has increased over $300.00 from my last listing . This Prosper loan will be repaid with the funds I currently pay towards other bills that will be paid off.
Monthly net income: $3500.00
Monthly expenses:
Housing: $600.00
Insurance: $110.00
Car expenses: $475.00
Utilities: $125.00
Phone, cable, internet: $100.00
Food, entertainment: $50.00
Clothing, household expenses: $
Credit cards and other loans: $300.00
Other expenses: $
Information in the Description is not verified.