Listing Report:Supplement No. 18 dated Jul 28, 2012 to Prospectus dated Jul 19, 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 Jul 19, 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 Jul 19, 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
606755
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
|
Amount:
| $8,500.00 |
Prosper Rating:
| C |
Listing Duration:
| 14 days
|
|
Minimum Amount to Fund:
| $5,950 |
Estimated loss*:
| 6.49% | | |
|
Term:
| 36 months | | | | |
|
|
Lender yield:
| 16.74% |
Borrower rate/APR:
| 17.74% / 21.43% |
Monthly payment:
| $306.19 |
| |
|
Lender servicing fee:
| 1.00% |
Effective Yield*:
| 16.36% | | |
| |
Estimated return*:
| 9.87% | | |
* 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):
| 8 |
First credit line:
| May-1985 |
Debt/Income ratio:
| 8% |
|
Credit score:
| 680-699 (Jul-2012) |
Inquiries last 6m:
| 2 | Employment status: | Employed |
|
Now delinquent:
| 10 |
Current / open credit lines:
| 4
/
3 | Length of status: | 31y 1m |
|
Amount delinquent:
| $940 |
Total credit lines:
| 34 |
Occupation: | Professional |
|
Public records last 12m / 10y:
| 0/ 1 |
Revolving credit balance:
| $386 | Stated income: | $50,000-$74,999 |
|
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 3% | | |
| | |
Homeownership:
| Yes | | |
|
Screen name:
| newest-gain-wonder |
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
Funs for Vacation
No description is available.
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
613717
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*:
| 17.25% | | |
|
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*:
| 11.71% | | |
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
|
Prosper score (1-10):
| 5 |
First credit line:
| May-1986 |
Debt/Income ratio:
| 45% |
|
Credit score:
| 680-699 (Jul-2012) |
Inquiries last 6m:
| 0 | Employment status: | Employed |
|
Now delinquent:
| 0 |
Current / open credit lines:
| 38
/
22 | Length of status: | 29y 5m |
|
Amount delinquent:
| $229 |
Total credit lines:
| 61 |
Occupation: | Professional |
|
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $127,288 | Stated income: | $100,000+ |
|
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 78% | | |
| | |
Homeownership:
| No | | |
|
Screen name:
| alliedboss |
Borrower's state:
| NewJersey |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Description
New Start one payoff at a time
Purpose of loan:
This loan will be used to...
My financial situation:
I am a good candidate for this loan because...
Monthly net income:
Housing: $
Insurance: $
Car expenses: $
Utilities: $
Phone, cable, internet: $
Food, entertainment: $
Clothing, household expenses: $
Credit cards and other loans: $
Other expenses: $
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
615077
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:
| $4,800.00 |
Prosper Rating:
| D |
Listing Duration:
| 14 days
|
|
Minimum Amount to Fund:
| $4,800 |
Estimated loss*:
| 11.75% | | |
|
Term:
| 36 months | | | | |
|
|
Lender yield:
| 24.24% |
Borrower rate/APR:
| 25.24% / 29.11% |
Monthly payment:
| $191.46 |
| |
|
Lender servicing fee:
| 1.00% |
Effective Yield*:
| 23.64% | | |
| |
Estimated return*:
| 11.89% | | |
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
|
Prosper score (1-10):
| 7 |
First credit line:
| Sep-1995 |
Debt/Income ratio:
| 19% |
|
Credit score:
| 660-679 (Jul-2012) |
Inquiries last 6m:
| 0 | Employment status: | Employed |
|
Now delinquent:
| 1 |
Current / open credit lines:
| 31
/
30 | Length of status: | 10y 4m |
|
Amount delinquent:
| $7,692 |
Total credit lines:
| 55 |
Occupation: | Executive |
|
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $14,116 | Stated income: | $100,000+ |
|
Delinquencies in last 7y:
| 7 |
Bankcard utilization:
| 58% | | |
| | |
Homeownership:
| No | | |
|
Screen name:
| impressive-commitment290 |
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
Like New Classic Car Financing
Purpose of loan:
This loan will be used to...finance automobile
My financial situation:
I am a good candidate for this loan because...I have a great job in healthcare where I earn over $145,000 per year
Monthly net income: $12,000
Monthly expenses: $ 8,000
Housing: $ 1,375
Insurance: $ 160
Car expenses: $ 1,000
Utilities: $ 500
Phone, cable, internet: $ 300
Food, entertainment: $ 1,000
Clothing, household expenses: $1,000
Credit cards and other loans: $1,000
Other expenses: $1,000
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
617205
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
|
Amount:
| $2,500.00 |
Prosper Rating:
| A |
Listing Duration:
| 14 days
|
|
Minimum Amount to Fund:
| $2,500 |
Estimated loss*:
| 2.49% | | |
|
Term:
| 36 months | | | | |
|
|
Lender yield:
| 8.74% |
Borrower rate/APR:
| 9.74% / 12.53% |
Monthly payment:
| $80.36 |
| |
|
Lender servicing fee:
| 1.00% |
Effective Yield*:
| 8.72% | | |
| |
Estimated return*:
| 6.23% | | |
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
|
Prosper score (1-10):
| 9 |
First credit line:
| Jul-1996 |
Debt/Income ratio:
| 12% |
|
Credit score:
| 760-779 (Jul-2012) |
Inquiries last 6m:
| 1 | Employment status: | Employed |
|
Now delinquent:
| 0 |
Current / open credit lines:
| 10
/
10 | Length of status: | 26y 6m |
|
Amount delinquent:
| $0 |
Total credit lines:
| 26 |
Occupation: | Sales - Commission |
|
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $4,702 | Stated income: | $50,000-$74,999 |
|
Delinquencies in last 7y:
| 1 |
Bankcard utilization:
| 31% | | |
| | |
Homeownership:
| Yes | | |
|
Screen name:
| impressive-vigilance015 |
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:
| 0 / 1 |
On-time:
| 1 ( 100% )
| 760-779 (Latest)
|
|
Principal borrowed:
| $19,000.00 | < 31 days late:
| 0
( 0% )
| 760-779
(May-2012)
|
|
Principal balance:
| $0.01 |
31+ days late:
| 0
( 0% )
|
|
Total payments billed:
| 1 | | |
Description
Truck needed for weekend Handy Man
Purpose of loan:
This loan will be used to...Purchase work truck.
My financial situation:
I am a good candidate for this loan because...I have a good financial standing and can generate enough income to easily pay for it. Goal is to pay it off in half the time.
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
617241
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
|
Amount:
| $10,000.00 |
Prosper Rating:
| B |
Listing Duration:
| 14 days
|
|
Minimum Amount to Fund:
| $10,000 |
Estimated loss*:
| 4.99% | | |
|
Term:
| 60 months | | | | |
|
|
Lender yield:
| 18.47% |
Borrower rate/APR:
| 19.47% / 21.90% |
Monthly payment:
| $262.00 |
| |
|
Lender servicing fee:
| 1.00% |
Effective Yield*:
| 18.15% | | |
| |
Estimated return*:
| 13.16% | | |
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
|
Prosper score (1-10):
| 7 |
First credit line:
| Nov-1989 |
Debt/Income ratio:
| 5% |
|
Credit score:
| 660-679 (Jul-2012) |
Inquiries last 6m:
| 2 | Employment status: | Employed |
|
Now delinquent:
| 1 |
Current / open credit lines:
| 2
/
2 | Length of status: | 9y 2m |
|
Amount delinquent:
| $1,485 |
Total credit lines:
| 57 |
Occupation: | Professional |
|
Public records last 12m / 10y:
| 0/ 1 |
Revolving credit balance:
| $347 | Stated income: | $75,000-$99,999 |
|
Delinquencies in last 7y:
| 41 |
Bankcard utilization:
| 69% | | |
| | |
Homeownership:
| Yes | | |
|
Screen name:
| Dacombish |
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:
| 0 / 1 |
On-time:
| 33 ( 92% )
| 660-679 (Latest)
|
|
Principal borrowed:
| $3,000.00 | < 31 days late:
| 3
( 8% )
| 760-779
(Aug-2007)
|
|
Principal balance:
| $0.03 |
31+ days late:
| 0
( 0% )
|
|
Total payments billed:
| 36 | | |
Description
Shut up and Fish! Bus. A/P Restruc.
This loan will be used as a capital infusion into my bait & tackle store to restructure accounts payable.
With the recent drought sales have been sluggish and expenses have been higher than normal (air conditioning mainly to keep the minnows at 55 degrees).
I recently paid off a car loan with a monthly payment of $300/month so meeting the payment on this note will not be a problem.
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
617319
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:
| D |
Listing Duration:
| 14 days
|
|
Minimum Amount to Fund:
| $2,800 |
Estimated loss*:
| 11.75% | | |
|
Term:
| 60 months | | | | |
|
|
Lender yield:
| 27.67% |
Borrower rate/APR:
| 28.67% / 31.34% |
Monthly payment:
| $126.17 |
| |
|
Lender servicing fee:
| 1.00% |
Effective Yield*:
| 26.98% | | |
| |
Estimated return*:
| 15.23% | | |
* 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-1999 |
Debt/Income ratio:
| 7% |
|
Credit score:
| 680-699 (Jul-2012) |
Inquiries last 6m:
| 5 | Employment status: | Employed |
|
Now delinquent:
| 0 |
Current / open credit lines:
| 4
/
4 | Length of status: | 3y 6m |
|
Amount delinquent:
| $0 |
Total credit lines:
| 5 |
Occupation: | Retail Management |
|
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $4,502 | Stated income: | $25,000-$49,999 |
|
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 21% | | |
| | |
Homeownership:
| No | | |
|
Screen name:
| transparent-bonus7 |
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
Starting New Business
Purpose of loan: To reinvest in a Retail Store Opportunity .
This loan will be used to purchase products to sell wholesale Uniform Apparel.
My financial situation:
I am a good candidate for this loan because I have been gainfully employed 3+ Yrs and have an good credit rating.
Monthly net income: $ 4,000.00
Monthly expenses: $ 1100.00
Housing: $ 500.00
Insurance: $200.00
Car expenses: $
Utilities: $200.00
Phone, cable, internet: $200.00
Food, entertainment: $
Clothing, household expenses: $
Credit cards and other loans: $
Other expenses: $
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
617331
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*:
| 17.25% | | |
|
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*:
| 11.71% | | |
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
|
Prosper score (1-10):
| 4 |
First credit line:
| Sep-1998 |
Debt/Income ratio:
| 31% |
|
Credit score:
| 680-699 (Jul-2012) |
Inquiries last 6m:
| 0 | Employment status: | Employed |
|
Now delinquent:
| 0 |
Current / open credit lines:
| 9
/
8 | Length of status: | 2y 9m |
|
Amount delinquent:
| $0 |
Total credit lines:
| 19 |
Occupation: | Truck Driver |
|
Public records last 12m / 10y:
| 0/ 1 |
Revolving credit balance:
| $5,875 | Stated income: | $25,000-$49,999 |
|
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 95% | | |
| | |
Homeownership:
| Yes | | |
|
Screen name:
| hopeful-funds269 |
Borrower's state:
| Wisconsin |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Description
debit consolidation
No description is available.
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
617367
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
|
Amount:
| $25,000.00 |
Prosper Rating:
| B |
Listing Duration:
| 14 days
|
|
Minimum Amount to Fund:
| $17,500 |
Estimated loss*:
| 5.99% | | |
|
Term:
| 60 months | | | | |
|
|
Lender yield:
| 20.24% |
Borrower rate/APR:
| 21.24% / 23.72% |
Monthly payment:
| $679.71 |
| |
|
Lender servicing fee:
| 1.00% |
Effective Yield*:
| 19.88% | | |
| |
Estimated return*:
| 13.89% | | |
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
|
Prosper score (1-10):
| 9 |
First credit line:
| Dec-1993 |
Debt/Income ratio:
| 17% |
|
Credit score:
| 740-759 (Jul-2012) |
Inquiries last 6m:
| 0 | Employment status: | Employed |
|
Now delinquent:
| 1 |
Current / open credit lines:
| 3
/
3 | Length of status: | 12y 8m |
|
Amount delinquent:
| $0 |
Total credit lines:
| 21 |
Occupation: | Engineer - Mechanic... |
|
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $65 | Stated income: | $75,000-$99,999 |
|
Delinquencies in last 7y:
| 1 |
Bankcard utilization:
| 8% | | |
| | |
Homeownership:
| Yes | | |
|
Screen name:
| dough-labyrinth7 |
Borrower's state:
| Michigan |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Description
5 Year Loan
Purpose of loan:
This loan will be used to...
My financial situation:
I am a good candidate for this loan because...
Monthly net income: $75,350.00
Monthly expenses:
Housing: $701.00
Insurance: $150.00
Car expenses: $404.00
Utilities: $200.00
Phone, cable, internet: $150.00
Food, entertainment: $200.00
Clothing, household expenses: $100.00
Credit cards and other loans: $15.00
Other expenses: $50.00
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
617373
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*:
| 14.75% | | |
|
Term:
| 36 months | | | | |
|
|
Lender yield:
| 28.69% |
Borrower rate/APR:
| 29.69% / 33.67% |
Monthly payment:
| $147.99 |
| |
|
Lender servicing fee:
| 1.00% |
Effective Yield*:
| 27.38% | | |
| |
Estimated return*:
| 12.63% | | |
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
|
Prosper score (1-10):
| 5 |
First credit line:
| Apr-1995 |
Debt/Income ratio:
| 16% |
|
Credit score:
| 720-739 (Jul-2012) |
Inquiries last 6m:
| 1 | Employment status: | Other |
|
Now delinquent:
| 2 |
Current / open credit lines:
| 2
/
1 | Length of status: | 22y 6m |
|
Amount delinquent:
| $25,565 |
Total credit lines:
| 7 |
Occupation: | Other |
|
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $1,082 | Stated income: | $1-$24,999 |
|
Delinquencies in last 7y:
| 3 |
Bankcard utilization:
| 21% | | |
| | |
Homeownership:
| No | | |
|
Screen name:
| generous-investment5 |
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
help to buy a home
Purpose of loan:
This loan will be used to...to pay off visa card an to help buy a home
My financial situation:
I am a good candidate for this loan because...my icome is low and i seen some for rent to own homes that the [ayment is lower than my rent
Monthly net income: $1073.00
Monthly expenses: $
Housing: $550.00
Insurance: $28.10
Car expenses: $45.00
Utilities: $150.00
Phone, cable, internet: $56.00
Food, entertainment: $135.00
Clothing, household expenses: $165.00
Credit cards and other loans: $only visa
Other expenses: $135.00
church off.
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
617639
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
|
Amount:
| $5,000.00 |
Prosper Rating:
| C |
Listing Duration:
| 14 days
|
|
Minimum Amount to Fund:
| $5,000 |
Estimated loss*:
| 8.49% | | |
|
Term:
| 36 months | | | | |
|
|
Lender yield:
| 19.99% |
Borrower rate/APR:
| 20.99% / 24.76% |
Monthly payment:
| $188.35 |
| |
|
Lender servicing fee:
| 1.00% |
Effective Yield*:
| 19.52% | | |
| |
Estimated return*:
| 11.03% | | |
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
|
Prosper score (1-10):
| 7 |
First credit line:
| Aug-1995 |
Debt/Income ratio:
| 20% |
|
Credit score:
| 700-719 (Jul-2012) |
Inquiries last 6m:
| 0 | Employment status: | Employed |
|
Now delinquent:
| 0 |
Current / open credit lines:
| 7
/
5 | Length of status: | 2y 11m |
|
Amount delinquent:
| $0 |
Total credit lines:
| 15 |
Occupation: | Analyst |
|
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $9,240 | Stated income: | $50,000-$74,999 |
|
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 72% | | |
| | |
Homeownership:
| Yes | | |
|
Screen name:
| transparent-camaraderi7 |
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
Temporary Bind
The purpose of this loan is a combination of paying off loans as well as obtaining additional funds for household expenses. My living situation has recently changed. I live with my fianc? but he was injured at work and is not receiving his full income so my income has had to help more with household expenses. He is still under doctor?s care and it may be months before he can return to work. I also have two teenage children in my home. When I moved in with my boyfriend, I rented out the home I own. The rent I receive is about $200 less than the monthly mortgage (due to housing market). However, the tenants are working to purchase the home in the next few months. I know my situation is only temporary and really hate to have to ask for a loan, but it?s my only option at this time.
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
617839
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*:
| 17.25% | | |
|
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*:
| 11.71% | | |
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
|
Prosper score (1-10):
| 4 |
First credit line:
| Jan-2002 |
Debt/Income ratio:
| Self-employed (DTI Not Calculated) |
|
Credit score:
| 680-699 (Jul-2012) |
Inquiries last 6m:
| 1 | Employment status: | Self-employed |
|
Now delinquent:
| 0 |
Current / open credit lines:
| 5
/
4 | Length of status: | 22y 9m |
|
Amount delinquent:
| $0 |
Total credit lines:
| 10 |
Occupation: | Sales - Commission |
|
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $11,642 | Stated income: | $50,000-$74,999 |
|
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 93% | | |
| | |
Homeownership:
| No | | |
|
Screen name:
| innocent-euro9 |
Borrower's state:
| Illinois |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Description
Business and Living Expenses
Purpose of loan: to cover expenses until commissions come in
My financial situation:
I am a good candidate for this loan because...I am a licensed insurance agent since 1989. All my bills are paid on time. I am experiencing a temporary cash flow situation.
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
617851
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*:
| 14.75% | | |
|
Term:
| 36 months | | | | |
|
|
Lender yield:
| 28.69% |
Borrower rate/APR:
| 29.69% / 33.67% |
Monthly payment:
| $169.13 |
| |
|
Lender servicing fee:
| 1.00% |
Effective Yield*:
| 27.38% | | |
| |
Estimated return*:
| 12.63% | | |
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
|
Prosper score (1-10):
| 1 |
First credit line:
| Sep-1998 |
Debt/Income ratio:
| 29% |
|
Credit score:
| 660-679 (Jul-2012) |
Inquiries last 6m:
| 10 | Employment status: | Employed |
|
Now delinquent:
| 0 |
Current / open credit lines:
| 12
/
12 | Length of status: | 8y 7m |
|
Amount delinquent:
| $0 |
Total credit lines:
| 22 |
Occupation: | Sales - Retail |
|
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $3,479 | Stated income: | $25,000-$49,999 |
|
Delinquencies in last 7y:
| 5 |
Bankcard utilization:
| 47% | | |
| | |
Homeownership:
| Yes | | |
|
Screen name:
| exciting-p2ploan9 |
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:
| 6 ( 100% )
| 660-679 (Latest)
|
|
Principal borrowed:
| $3,500.00 | < 31 days late:
| 0
( 0% )
| 720-739
(Jan-2012)
|
|
Principal balance:
| $3,083.09 |
31+ days late:
| 0
( 0% )
|
|
Total payments billed:
| 6 | | |
Description
to pay my bill.and currect loan
Purpose of loan:
This loan will be used to...my credit cards.
My financial situation:
I am a good candidate for this loan because...i pay my bills on time
Monthly net income: $2,500
Monthly expenses: $
Housing: $
Insurance: $ 80
Car expenses: $120
Utilities: $122
Phone, cable, internet: $100
Food, entertainment: $300
Clothing, household expenses: $200
Credit cards and other loans: $150
Other expenses: $
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
617857
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
|
Amount:
| $4,000.00 |
Prosper Rating:
| B |
Listing Duration:
| 14 days
|
|
Minimum Amount to Fund:
| $2,800 |
Estimated loss*:
| 5.49% | | |
|
Term:
| 36 months | | | | |
|
|
Lender yield:
| 14.99% |
Borrower rate/APR:
| 15.99% / 19.65% |
Monthly payment:
| $140.61 |
| |
|
Lender servicing fee:
| 1.00% |
Effective Yield*:
| 14.73% | | |
| |
Estimated return*:
| 9.24% | | |
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
|
Prosper score (1-10):
| 7 |
First credit line:
| Mar-1994 |
Debt/Income ratio:
| 62% |
|
Credit score:
| 720-739 (Jul-2012) |
Inquiries last 6m:
| 0 | Employment status: | Employed |
|
Now delinquent:
| 0 |
Current / open credit lines:
| 4
/
4 | Length of status: | 2y 10m |
|
Amount delinquent:
| $0 |
Total credit lines:
| 35 |
Occupation: | Administrative Assi... |
|
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $18,793 | Stated income: | $25,000-$49,999 |
|
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 61% | | |
| | |
Homeownership:
| No | | |
|
Screen name:
| HunnyBeeFree |
Borrower's state:
| NewYork |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
| Loan history | Payment history | Credit score history |
|
Active / total loans:
| 0 / 2 |
On-time:
| 8 ( 100% )
| 720-739 (Latest)
|
|
Principal borrowed:
| $6,000.00 | < 31 days late:
| 0
( 0% )
| 740-759
(Aug-2008)
620-639
(Jul-2006)
|
|
Principal balance:
| $0.01 |
31+ days late:
| 0
( 0% )
|
|
Total payments billed:
| 8 | | |
Description
Wardrobe/household bills
Recent college graduate, need to invest on new wardrobe for job interviews. Also need to pay household expenses while I transition into a new job.
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
607570
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:
| $4,200 |
Estimated loss*:
| 7.49% | | |
|
Term:
| 60 months | | | | |
|
|
Lender yield:
| 22.62% |
Borrower rate/APR:
| 23.62% / 26.16% |
Monthly payment:
| $171.29 |
| |
|
Lender servicing fee:
| 1.00% |
Effective Yield*:
| 22.08% | | |
| |
Estimated return*:
| 14.59% | | |
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
|
Prosper score (1-10):
| 6 |
First credit line:
| Nov-2000 |
Debt/Income ratio:
| 16% |
|
Credit score:
| 640-659 (Jul-2012) |
Inquiries last 6m:
| 3 | Employment status: | Employed |
|
Now delinquent:
| 0 |
Current / open credit lines:
| 10
/
10 | Length of status: | 10y 7m |
|
Amount delinquent:
| $0 |
Total credit lines:
| 22 |
Occupation: | Other |
|
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $6,764 | Stated income: | $50,000-$74,999 |
|
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 45% | | |
| | |
Homeownership:
| No | | |
|
Screen name:
| peso-gargantuan |
Borrower's state:
| NewYork |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
| Loan history | Payment history | Credit score history |
|
Active / total loans:
| 1 / 1 |
On-time:
| 10 ( 100% )
| 640-659 (Latest)
|
|
Principal borrowed:
| $4,000.00 | < 31 days late:
| 0
( 0% )
| 640-659
(Aug-2011)
|
|
Principal balance:
| $3,187.65 |
31+ days late:
| 0
( 0% )
|
|
Total payments billed:
| 10 | | |
Description
Starting New Business
Purpose of loan:
This loan will be used to...
My financial situation:
I am a good candidate for this loan because...
Monthly net income: $4,000.00
Monthly expenses: $
Housing: $2300.00..I share $550.
Insurance: $0.00
Car expenses: $0.00
Utilities: $70.00
Phone, cable, internet: $178.00
Food, entertainment: $300.00
Clothing, household expenses: $200.00
Credit cards and other loans: $613.00
Other expenses: $300.00
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
617164
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
|
Amount:
| $4,000.00 |
Prosper Rating:
| HR |
Listing Duration:
| 14 days
|
|
Minimum Amount to Fund:
| $4,000 |
Estimated loss*:
| 16.25% | | |
|
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*:
| 12.71% | | |
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
|
Prosper score (1-10):
| 5 |
First credit line:
| Aug-2004 |
Debt/Income ratio:
| 8% |
|
Credit score:
| 680-699 (Jul-2012) |
Inquiries last 6m:
| 1 | Employment status: | Employed |
|
Now delinquent:
| 1 |
Current / open credit lines:
| 3
/
3 | Length of status: | 12y 0m |
|
Amount delinquent:
| $43,761 |
Total credit lines:
| 7 |
Occupation: | Professional |
|
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $1,226 | Stated income: | $50,000-$74,999 |
|
Delinquencies in last 7y:
| 20 |
Bankcard utilization:
| 43% | | |
| | |
Homeownership:
| Yes | | |
|
Screen name:
| greenback-sleuth5 |
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
Dwn Pmt for Car/Baby Furniture
Purpose of loan: Purchase Used Car & Buy Baby Furniture
This loan will be used to... put down payment for used car and purchase the baby furniture needed
My financial situation: Fair
I am a good candidate for this loan because...I have had some financial difficulities in the past but have learned from those mistakes and ready to start rebuilding my credit.
Monthly net income: $4160
Monthly expenses: $0
Housing: $1600
Insurance: $300
Car expenses: $60.00
Utilities: $420
Phone, cable, internet: $100
Food, entertainment: $250
Clothing, household expenses: $150
Credit cards and other loans: $200
Other expenses: $0
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
617274
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
|
Amount:
| $3,500.00 |
Prosper Rating:
| HR |
Listing Duration:
| 14 days
|
|
Minimum Amount to Fund:
| $2,450 |
Estimated loss*:
| 16.75% | | |
|
Term:
| 36 months | | | | |
|
|
Lender yield:
| 30.77% |
Borrower rate/APR:
| 31.77% / 35.80% |
Monthly payment:
| $151.99 |
| |
|
Lender servicing fee:
| 1.00% |
Effective Yield*:
| 28.96% | | |
| |
Estimated return*:
| 12.21% | | |
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
|
Prosper score (1-10):
| 3 |
First credit line:
| Jan-2008 |
Debt/Income ratio:
| Not calculated |
|
Credit score:
| 740-759 (Jul-2012) |
Inquiries last 6m:
| 2 | Employment status: | Employed |
|
Now delinquent:
| 0 |
Current / open credit lines:
| 1
/
1 | Length of status: | 0y 7m |
|
Amount delinquent:
| $0 |
Total credit lines:
| 2 |
Occupation: | Food Service |
|
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $7 | Stated income: | $1-$24,999 |
|
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 0% | | |
| | |
Homeownership:
| No | | |
|
Screen name:
| ore-magnolia8 |
Borrower's state:
| Massachusetts |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Description
AutoLoan
Purpose of loan:
This loan will be used to...buy a realible car forschool and work
My financial situation:
I am a good candidate for this loan because...
Monthly net income: $742
Monthly expenses: $
Housing: $
Insurance: $105
Car expenses: $90
Utilities: $
Phone, cable, internet: $
Food, entertainment: $
Clothing, household expenses: $
Credit cards and other loans: $
Other expenses: $
ads\
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
617690
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
|
Amount:
| $9,500.00 |
Prosper Rating:
| D |
Listing Duration:
| 14 days
|
|
Minimum Amount to Fund:
| $9,500 |
Estimated loss*:
| 11.75% | | |
|
Term:
| 60 months | | | | |
|
|
Lender yield:
| 27.67% |
Borrower rate/APR:
| 28.67% / 31.34% |
Monthly payment:
| $299.64 |
| |
|
Lender servicing fee:
| 1.00% |
Effective Yield*:
| 26.98% | | |
| |
Estimated return*:
| 15.23% | | |
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
|
Prosper score (1-10):
| 6 |
First credit line:
| Mar-1996 |
Debt/Income ratio:
| 5% |
|
Credit score:
| 700-719 (Jul-2012) |
Inquiries last 6m:
| 1 | Employment status: | Employed |
|
Now delinquent:
| 0 |
Current / open credit lines:
| 5
/
5 | Length of status: | 23y 6m |
|
Amount delinquent:
| $0 |
Total credit lines:
| 16 |
Occupation: | Professional |
|
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $7,692 | Stated income: | $100,000+ |
|
Delinquencies in last 7y:
| 1 |
Bankcard utilization:
| 101% | | |
| | |
Homeownership:
| Yes | | |
|
Screen name:
| new-investment-promise |
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
Vacation
Purpose of loan:
This loan will be used to for vacation to Europe
My financial situation:
I am a good candidate for this loan because of long time employment and have a good credit history.
Monthly net income: 4948.00
Monthly expenses:
Housing: 2657.
Insurance: 50.
Car expenses: 300.
Utilities: 300.
Phone, cable, internet: 125.
Food, entertainment: 200.
Clothing, household expenses: $100.
Credit cards and other loans: 300.
Other expenses: $
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
617860
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
|
Amount:
| $4,500.00 |
Prosper Rating:
| D |
Listing Duration:
| 14 days
|
|
Minimum Amount to Fund:
| $3,150 |
Estimated loss*:
| 11.25% | | |
|
Term:
| 60 months | | | | |
|
|
Lender yield:
| 27.04% |
Borrower rate/APR:
| 28.04% / 30.70% |
Monthly payment:
| $140.22 |
| |
|
Lender servicing fee:
| 1.00% |
Effective Yield*:
| 26.37% | | |
| |
Estimated return*:
| 15.12% | | |
* 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:
| Mar-1986 |
Debt/Income ratio:
| 7% |
|
Credit score:
| 660-679 (Jul-2012) |
Inquiries last 6m:
| 0 | Employment status: | Employed |
|
Now delinquent:
| 0 |
Current / open credit lines:
| 2
/
2 | Length of status: | 7y 4m |
|
Amount delinquent:
| $0 |
Total credit lines:
| 27 |
Occupation: | Other |
|
Public records last 12m / 10y:
| 0/ 1 |
Revolving credit balance:
| $0 | Stated income: | $25,000-$49,999 |
|
Delinquencies in last 7y:
| 23 |
Bankcard utilization:
| 0% | | |
| | |
Homeownership:
| Yes | | |
|
Screen name:
| indomitable-deal153 |
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
Starting a New Business
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.